WillisBack/dataset-financial-user-claim huggingface dataset:
I have a store card with XXXX thru XXXX XXXX. I am set up for automatic payments. I received a phone call from XXXX saying I haven't paid in 2 months. This is the second time this has happened with XXXX ( I do have other accounts with XXXX ). Because of the first time my credit limit was lowered. I thought I would use it again and try to rebuild my line of credit with them. Whan I talked to the representative, she was being evasive when I asked if this was going to be corrected on my CBR. She would say it would show me as current. I had to get specific, even though she knew what I was asking, and see if the late payment would be removed from the CBR since there was a reasonable expectation for the payment to be made per the arrangement on the website. The rep stated that it did come out for the one month but it stops after 6 months. I never say this on their website, nor was I given an alert letting me know my auto payments were about to expire and would need action on my part. She even asked if I wanted to make my past due payments with the checking account on file!!! It is the same checking account I have had for 20 yrs and the money was always there so I agreed to the payment t be taken immediately. When I asked to speak to a supervisor about this situation I was put on hold and then the call disconnected.
On XX/XX/2018 I sent a returned receipt and certified letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. My request is to validate that I owed this account. In returned they sent me a letter with amount owed without any validation. 

I sent another letter dated on XX/XX/2018 I demanded to see a consumer contract with my signature on it indicating I need to pay them. They never responded with validation or any information indicating this account belongs to me. Therefore, another letter was sent to XXXX XXXX dated XX/XX/2018 to be advised this is my third attempt for them to produce any original documentation signed by me that I need to pay them. They refused to validate what is required by law under the FCRA. They are also reporting this information with the credit bureaus without being verified. I demanded to see verification on this account and they refused to send me any original documentation with my signature. All letters were sent returned receipt and certified mail.
The company is billing me for the amount that the insurance company considers a discount and the amount is not owed by the patient. The patient paid the {$150.00} hospital deductible at the time of service and that was the only amount owed. Paid in full to XXXX XXXX in XXXX XXXX. The EOB confirming this information will be attached to this complaint.
I have the authentic images of 2 withdrawals from my XXXX checking account on XX/XX/2008. The first is for {$200.00} and then shortly after for {$7000.00}. My name is not even correct and the signature is not close to my own. I have a claim number and Wells Fargo conducted an investigation but then said that it had occurred too long ago. They knew the date before they opened the investigation so that reason does not even make any sense. They will not tell me any findings. I believe this was an inside job by the bank. Both images have XXXX, PA on them. I bank in XXXX XXXX MD. I have NEVER done two withdrawals on the same day. Again, the name is NOT my name and the signature is very obviously not mine. 

I provided the bank with the images for both withdrawals. However if necessary I can provide those again.
I am not disputing the validity of this account number XXXX or asking you to perform any verification but rather requesting you to correct the way this account is reporting to EQUIFAX and XXXX  XXXX Please note, this account is reporting accurately on XXXX. The Current STATUS is still reporting a delinquency " STATUS '' XXXX days past due. This reporting is inaccurate as the current STATUS should reflect that this account has been PAID or Pays As Agrees. Please see the inaccurate reporting of the current " Status '' of this paid closed account on the attachment 1.Per the Credit Reporting Resources Guide, current STATUS is clearly defined as a snapshot of the account status as the last reporting and does not reflect any prior historical status. A delinquent account will show its current delinquency as the current STATUS. However, when Paid or Settled, the current STATUS is bumped to PAID ( or paid/settled for less ). It is no longer a delinquency STATUS. The current STATUS of XXXX Days Past Due is not reporting correctly. Please see the Status on the attachment 1a ) Current STATUS should and must be updated to PAID or Settled to reflect the current STATUS. If an account shows a delinquency STATUS, such as a monthly delinquency STATUS or a STATUS XXXX Days Past Due, is then PAID the current STATUS is then UPDATED to PAID ( or paid/settled for less ) and is no longer once of any delinquency but rather now shows PAID. The prior delinquency is then shifted to ACCOUNT HISTORY WITH STATUS CODES. Please see Account History with Status codes. 
2. FCRA 623 ( a ) ( 2 ) requires creditors to promptly update their reporting to show a new current STATUS of PAID ( or paid/settled for less ).

2a ) CLOSED STATUS is not sufficient to inform FICO that this account is no longer delinquent as delinquencies can continue to accrue and be reported on closed accounts.

2a ) To purposely and willfully report inaccurate accounting is a violation of the law.

2b ) Correcting the inaccurate reporting of the STATUS is an easily correctible matter.

2c ) This inaccurate reporting is causing me harm and is causing mortgage lenders to view the account as if the current STATUS is XXXX Days Past Due and has caused my mortgage scores on both Equifax and XXXX   to be significantly lower than XXXX because the current STATUS do not reflect the accurate reporting of PAID or Pays As Agreed. Please see highlighted area. 
2d ) Updating the account under ADDITIONAL INFORMATION ; Account Transferred or sold is not sufficient to inform FICO that this account is Paid and Closed under Current STATUS.
I sent a certified dispute letter to Commonwealth Financial Systems more than 30 days ago and they never responded. Per the Fair Credit Reporting Act, they now need to remove the debt from my credit report. It is still showing.
Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to NCC Business Services XX/XX/2017. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. NCC Business Services claims I owe a debt from an apartment complex that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by NCC Business Services. Therefore, by the FDCPA that NCC Business Services was not able to prove that I had a left over balance. So, NCC Business Services was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and NCC Business Services agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, NCC Business Services is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of NCC Business Services from my credit report. I am going to provide all my evidence to my case.
I originally submitted a complaint on XX/XX/XXXX  in which I which never received a response from the complaint. The case # is  XXXX  and  XXXX .
On  XX/XX/XXXX  I contacted CFPB and I spoke to a representative about this issue and she indicated this case was sent to the Federal Trade Commission and I needed to contact them. I called them and they stated to call back to CFPB as they needed to handle this issue. I called CFPB again and they advise to send the complaint again as this was a misunderstanding.This is about a payday loan I took back in  XX/XX/XXXX in which I pay cash and the company close down and now FMR-Forward Movement Recovery  XX/XX/XXXX   XX/XX/XXXX New York  XX/XX/XXXX phone  XX/XX/XXXX  is continuing calling me being rude and even indicating hey new about my son which I did not know what they meant. Also, they keep calling my sister in Florida as it was the contact person I put on the application when I apply for the loan. I and my sister are having issues because she wants those people to stop calling her.I am  XX/XX/XXXX  years old and I need your help to solve this problem. Unfortunately, the store I took the loan with was closed years ago and it was a pawn shop and I do n't remember the name. I do n't think the people who are calling me know the name either. I hope this time you can respond to this matter.
Capital Management Service LP RE # XXXX ( XXXX ) On XX/XX/2016 I send a debt validation letter CMR # XXXX alleged balance, proof of calculation and documents showing I agreed to pay this debts. I did n't get a response. On XX/XX/2016 I send a follow up letter regarding my disputed CMR # XXXX. I still did not get a response. I do not believe this debts belong to me and I have requested them to remove this my credit report.
In XX/XX/XXXX, I called and asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card to stop allowing XXXX XXXX to bill the credit card. I disputed the charge, the representative initiated a charge dispute against XXXX XXXX. 
The representative agreed to stop payments to XXXX XXXX. 

In XX/XX/XXXX I called and asked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card to stop allowing XXXX XXXX to bill the credit card. 
The representative agreed to stop payments to XXXX XXXX   and initiated a second dispute. 

In XX/XX/XXXX I noticed that the CC company was still paying XXXX XXXX. 
I called the CC company and told them to close the account because I have asked multiple times to have them stop paying XXXXXXXX XXXX but they kept letting charges go through ( this was the third time ) A third dispute was initiated. 

I had earned XXXX dollars cash back and ask them for the cash that is owed to me. The last time I asked was today, XX/XX/XXXX I want the cash back that I earned which totals {$500.00} In summary, I was forced to close the account because they kept paying for XXXX XXXX after multiple requests to stop paying XXXXXXXX XXXX. Because I closed the account they don't want to pay the cash rewards but I was forced to close because of mistakes made by XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. The account was closed in a panic because they kept letting payments go through despite agreeing to stop those payments.
I am having a bunch of problems with " XXXX, '' my family and " XXXX. '' During my career in the XXXX, I had a hard time. I lost everything after I decided to not to play crazy by running around from base to base about not having a family care plan. After getting out of the XXXX, I lost custody of my children after a lot of false allegations and jealousy from people in the know. Anyway, I have tried to move on to every aspect of my life but, I just can not seem to move on because people seem to want to hold a grudge against me in every way. I only filed two complaints while on XXXX XXXX, One XXXX and One Whistleblower. Just recently in XX/XX/XXXX and XX/XX/XXXX, I have decided to fight for myself. I have never played the victim when in all actuality. I am quite the victim. I have asked for help and to have my request go unanswered. Well, I just want you to know that I have gone to your bank on several occasion to be denied access to my account with a legal driver 's license whether it be a paper or hard-copy from the State of Georiga. One lady who I assumed to be XXXX refused to issue my money on two occasions. I went to banks in XXXX to have them tell me to go to the XXXX side of town or a XXXX Attendant. I have had many many fraud alerts on my debit card issued on my use of it. When there is actual fraud, there is not an alert. The people from the XXXX branch as been entertaining reports about my spending from people who I do not know. And, they continue to call me on the phone about investment opportunity when it is clear that people have been deliberately stealing from me and there are fraudulent issues with my account. I have tried to get online access to my account but, they attendants have refused to send the link to my email address. I do not want to switch banks because I would certainly have the same problem. AND, I WANT SUNTRUST TO KNOW THAT I CAN SPEND MY MONEY ANYWAY THAT I WOULD LIKE. I have been in a bank in XXXX when one teller moved over to another teller to tell her not to issue money to me. Also, I have been in the bank when someone who was standing in line with me tells the teller not to issue money to me. I do not know who is following me. But, I would like Suntrust to report these individuals. These individuals seem to have a relationship with XXXX, DFCS and the XXXX. My concern is that I get this looked at and to have the harassment from these individuals to stop. I only signed a form at the bank at the Suntrust at XXXX XXXX. Also, the people at the Suntrust Banks are not my friends. I do not appreciate them looking me up on XXXX. The people that I have mentioned are XXXX bent on causing me a lifetime of XXXX. I want it to stop. I want just compensations for the unauthorized access to my account, the fraudulent alert, invasion of privacy, harassment, intimidation and false allegations. They seem to want to try to close out cases so that they can continue their illegal activities. I do not believe them because they are really upset that I have gone to get " WHITE '' Attorneys. Please help me. Obama is not the President anymore. Also, tell them to stop calling me.
I had a pair of student loans that were being serviced by XXXX XXXX XXXX XXXX. The loans are currently in forbearance until the start of next year. A few months ago, the loans were transferred to Navient ( navient.com ) for servicing. Navient has split the XXXX loans into XXXX different loans, which I assume will increase my monthly payment significantly. I have been unable to get any response from Navient as to why this was done and if there has been an error.
The debt of {$500.00} that was owed to tekcollect representing XXXX was payed directly to ccac aproximately 4 months ago. They informed me that tekcollect would be notified. According to XXXX the debt has not been resolved and is still negatively impacting my credit.
I have contacted this company about this account that they are reporting and trying to collect. I have never had service with XXXX XXXX XXXX and I have stated that to the debt collection company, and they continue to respond with XXXX XXXX XXXX information. I have also contacted XXXX XXXX XXXX and they can not find such account
I closed my account with US Bank several years ago and now I can not open a bank account with any bank until I pay US Bank {$330.00}. I closed my account on good standing and this has only become a problem with other banks within the last year. They said that they can not tell me why I owe the money as it has been too far back ( 2014 ), but that I owe {$330.00} and the only way that they can remove the debt is for me to pay it in full.
At XXXX XXXX CST, I received a call from ( XXXX ) XXXX that I answered. 

An individual came on the line and asked if I was XXXX XXXX and I affirmed. They asked for my address and I stated I wouldnt further identify myself until they told me who they were with and why they were calling. 

They stated it was a personal business matter and to again confirm my address. At this point I asked who they were with again and stated their name and they were with Portfolio Recoveries. 

So, at that point I said so this is a debt collection call and they refused to state that it was until I identified myself which I ultimately did via the last 4 of the SSN. 

Only at that point did they disclose they were a debt collector, stated my debt was too old to sue and that certain actions could restart the timeline of the ability to sue but if that was the case they would not sue, and then proceeded to ask about a XXXX XXXX debt they claimed I owe and asked if I was able to pay it. 

I asked if they could provide proof of validity of the debt, expressed that I dispute the debt as being mine or valid, and they stated they could mail it to me which I refused. 

I also stated that I would send notice in the mail regarding this collection and was told I could either sign onto a website via an account or have them mail something to me. I requested the account number he said he had which was XXXX. I again repeated that this debt wasnt valid and after stating I would contact the company about this the call was ended. 

The refusal to identify themselves, the company or the purpose of the call, refusal to answer a direct question of their identity, then only give the company name without identifying it as a debt collection attempt as well as stating it was a personal business matter that required verification of my identity is a violation of the FDCPA.
Equifax is reporting my XXXX personal loan and my XXXX Credit card as charged off accounts. These XXXX accounts should be included in my Chapter XXXX bankruptcy.
I have disputed this item twice this year, experian continues to update the dispute as accurate not making any changes. I tried to contact the creditor at the the phone number and address listed on my credit report as contact information for XXXX XXXX. The address in in accurate, the phone number when answered is XXXX XXXX -- told by XXXX XXXX that they purchased XXXX XXXX and that they have no information in their system in reference to me, that the account was paid and never late when no longer in their system. 
I pay for credit monitoring thru experian and have called experian and called experian and they continue to ignore this situation. Experian is not complying with federal law, they have no proof of the account only a statement, they do not provide me with accurate information to contact the creditor, etc. 
Credit Report # XXXX Account NameXXXX  XXXX XXXX # XXXX Account NumberXXX Account TypeNote Loan ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$450.00} written off. 
Status UpdatedXXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment AmounXXXX $ 0 Monthly Payment {$65.00} Original Balance {$450.00} Highest Balance {$0.00} Terms 7 Months Payment History show tooltip button Tap a month for more informationShow payment legend XXXX XXXX CO XXXX CO XXXX CLS APR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXX OK APR OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO Historical Info First XXXX Original CreditorXXXX XXXX   XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Comment show tooltip button Purchased by another lender. 

Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
ISSUE : Beware of automated payments from Bank of America 's phone system. I input my checking routing and checking account numbers from the bottom of my check. The system somehow tried to use the routing number and the debit card number rather than the checking number to access my {$200.00} payment. The account was closed without my knowing it. I called when I realized the payment hadn't cleared the bank and made a {$200.00} payment with my debit card over the phone with a live Bank of America agent. She took the payment and it cleared my bank. I was also notified that the account had been closed. I feel that the bank should have called to clarify the problem before closing the card. Especially since the payment didn't clear I feel due to a glitch in their automated payment. 

I feel that they penalized me for the error in the phone system. They said that I input the routing number and debit card number. I don't know how I could have done that when I held the check in my hand and used the numbers from the bottom of the check. So the automated payment system tried three times with the incorrect information. Each time the payment money was in my bank. I am trying to get out of credit card debt and not use the cards, so in a way, since this card is now closed, I am motivated to pay it off, another {$370.00} and be done with it and never do business with Bank of America again.
A company by the name of XXXX XXXX, is trying to collect funds from me and I have no business with them. I did not no who they were until I was served a summons and complaint, I then responded and they stated they were trying to collect a debt possibly owed to XXXX XXXX XXXX. I then sent a request for verification and Validation of the debt to their attorneys office ( XXXX XXXX XXXX XXXX ). They only sent me computer generated copies of statements that may or may not be accurate. We had a court hearing XX/XX/2018 and we are to return to court for possible trial, in the near future. The attorney sent from the law firm tried to get me to sign off and admit to a debt that I don't owe. She also seem to think my wife and I were not able to understand she was representing XXXX XXXX and she was not the collections agency, but the law firm. XXXX XXXX is trying to get a judgment against me and ruin my credit. Unfortunately for them I will fight this to the end and if this ends up in a much higher court so be it!! They go around purchasing debts that don't belong to them, for near to nothing prices and expecting to collect large amounts of funds, not owed to them.
This morning XX/XX/2017 I talk to XXXX, Asst Vice Pres of Huntington National Bank in regards to a complaint I filed with CFPB ( # XXXX ) she threaten to close my debit account for complaining about the 2 bank tellers violating my FERPA, confidentiality of my personal information, and doing an unauthorized credit check and closing out my Amex card. After complaining about the 2 bank tellers, one of the tellers is not at that branch and the other teller is being supervised by new and different personnel from other Huntington National Bank branches. She also suggested I not bank at that branch and that I need to go another branch. I should not be threaten in that matter by a bank employee for matters that are being done against me that are illegal. This matter needs to be investigated.