WillisBack/dataset-financial-user-claim huggingface dataset:
I made a complaint recently about Discover card personnel starting a dispute in XX/XX/2018 without my knowledge or consent that caused me great distress, much time and trouble and concern. That has been resolved and the company acknowledged it erroneously started an unwarranted, unauthorized dispute. Despite this, I received a letter from Discover card, dated XX/XX/2018 that stated that they were " happy to continue our investigation of your disputed transaction ... '' The case number is XXXX regarding a {$58.00} charge on XXXX. The problem is that I did not make this purchase, was not informed of a " dispute '' until I received this letter, and once again, was not a party to a dispute begun by Discover car " on my behalf '' nor did I authorize any dispute to be begun - again! I called Discover and it turns out that this was ANOTHER MISTAKE on their part and the dispute referenced in the letter was, according to Discover card, for another customer. I also received a letter that same day, also dated XX/XX/2018 from Discover that directed me to call their XXXX number because " they wanted to discuss important information about my account. '' Again, these two letters and situation have caused me great concern and distress. I absolutely can not believe that Discover card made these serious errors two months in a row on my account, which I have had for decades without incident. It is obvious that Discover card has a very serious quality control problem as regards unauthorized and mistaken disputes and mixing customers up. They need to be called to task for this. I am losing confidence in my credit card and wonder what Discover card is going to do to my account next - more disputes and mix ups? This is inexcusable - twice!
I have been asking for written verification from Experian credit bureau in reference to an account from pen air that they are reporting ... it has been more then 60 days and all they tell me is that it was verified but can not/will not provide me with any information as to how it was verified and refuse to remove it from my credit file. Both   XXXX   and  XXXX  have already removed this account from their files but Experian will not even provide me with any type of verification. This is severly effecting my abilty to purchase a home for myself and daughter as i am a single mother im sure you can understand why i am so concerned with this matter being handled in a timely matter. Thank you in advance for any help you can give me in resolving this matter
This account is in dispute. This is the 3rd collection agency who has contacted me and I have said this account is disputed an not owed. My insurance company made a mistake and these claims should have been paid to the XXXX XXXX ( XXXX XXXX ) 100 %. If anything is reported onto my credit I will be initiating a lawsuit regarding FDCPA, and FCRA violations. Not to mention opening a case file with the Indiana Secretary of State. I dispute this debt and wish that this company no longer contact me and close my file.
On  XXXX   XXXX ,    2017, I  sent a certified letter t o Enhanced Recovery Company, LLC a nd  XXXX   XXXX  requesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing ERC that the debt has been disputed. Note : These certified letters were signed for by bot h Enhanced Recovery Company, LLC a nd  XXXX   XXXX  on  XXXX   XXXX  , 2017.    On  XXXX   XXXX  , 2017, I pu lled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX  , 2017, I sent  another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I then pulled my credit report again on  XXXX   XXXX ,    2017 after  they signed for the certified letter on  XXXX   XXXX ,    2017 a nd the information has yet to be updated to claim I have disputed this debt.
Since XXXX, XXXX I have been disputing information reported by Synchrony Bank/Brandsmart to XXXX, XXXX, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, Synchrony Bank have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Synchrony Bank claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with Synchrony Bank/Brandmart because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by Synchrony Bank/Brandsmart is inaccurate and incomplete, and represents a very serious error in your reporting.
Hello, I want to first give a background story as to why XXXX XXXX at Cheek Law firm began harassing me in XXXX. To begin, XXXX bank says that I opened a " Credit Card '' on XXXX XXXX, XXXX and closed it on XXXX XXXX, XXXX as unpaid. I have never applied for a credit account with XXXX. I would like this taken off of my credit immediately. If you are unable remove this from my credit history, I would like supporting documentation including signatures showing I applied for credit and agreed to the terms and conditions on the account. 

Now that I have explained the back story, I will get into the harassment I have been enduring for seven years. Because of this, there is a public record from the XXXX XXXX XXXX courts for a garnishment of my wages by Cheek Law Firm and XXXX for the {$1700.00}. This case should not even exist as this was a write off error from XXXX stating this was a credit card debt. I was not aware that a " default judgment '' was going on from XXXX to XXXX, as it clearly states that I have NEVER signed for a judgment or garnishment. During this time period, XXXX XXXX from Cheek Law Firm has garnished my wages for 5 years, taking more than the original " debt ''. He has repeatedly called me and sent me fake letters saying I will go to jail. There can not be a case without a valid signature from certified mail, which leads me to believe a signature may have been forged. Cheek Law firm has left me alone since XXXX when the case was closed until now. I received a letter from Cheek Law Firm saying they are reopening my closed case and now this time XXXX XXXX wants {$4000.00}, with no reason as to why they are re opening the case, or why the money that was paid has somehow tripled in " debt ''. I have reached out to Cheek Law Firm to provide documentation of my knowledge and signature that I did agree to this debt, which they can not provide. 

After realizing now that my wages have been garnished for {$1700.00}, I would like Cheek Law Firm to reimburse me for the illegally garnished wages for the five years as there is no documentation and no representation. I would also like XXXX XXXX to stop stealing from me and harassing me by opening cases that have been closed for four years and asking for triple the original debt amount. 

Thank you, XXXX XXXX
The problem involves pre-paid Visa and XXXX issued by U S Bank National Association. They adverstise on the packaging and the cards that you can check your balance and itemized charges on their website XXXX The site seldom if ever is available so you end up having to call to check the card balance. If you want itemized charges they read them to you. 
Takes forever There are thousands of references to this problem if you XXXX it up. 

Don't know if anyone can fix this. but it would be great.
Since Seterus took over my loan, all payments for the last 3 years were made on a timely basis. My current statement shows a balance after the  XXXX  payment of {$150000.00}. Using the amortization schedule the balance should be around {$150.00}. Had they applied the payment timely the amount actually should be less. They need to account for the missing {$500.00}
I received a debt collection notice from XXXX XXXX XXXX for {$82.00} from XXXX TX XXXX XXXX on XX/XX/XXXX. I sent a certified letter requesting validation of the debt. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they had conducted a complete investigation and the account has been cancelled per clients request and that they ceased collection of the account. 

Later if XX/XX/XXXX I received a letter from Phoenix Financial Services requesting payment of {$82.00} for services rendered at XXXX TX XXXX XXXX. I called and spoke to the representative and explained the same debt in question from XXXX. The representative requested that I send them a copy of the letter closing the account from XXXX XXXX to : XXXX which I did on XX/XX/XXXX.

Phoenix Financial services called me today ( XX/XX/XXXX )  and asked me to pay {$82.00} I told them about the situation and they told me that they would report this to my credit for refusal to pay and that they would not verify the debt and that their word was verification enough and hung up on me. 

I do not have a physical copy of the Phoenix Financial Services letter but their information is below XXXX Phoenix Financial Services XXXX XXXX XXXX XXXX, IN XXXX
I have spoke with XXXX a supervisor at XXXX XXXX today, at XXXX XXXX est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on XXXX XXXX, 2016
I paid off the account in full in the amount of {$720.00}. The collector told me they are able to remove the account from my credit report but they wont because theyre not required. I spoke to XXXX XXXX at Medical Data Systems and she is the one who told me this. I have a letter stating the XXXX   balance.
I have received multiple robo-calls daily from XXXX ( Rash Curtis and Associates ) even though I have asked them to stop calling my phone.
My Modification Agreement was completed XX/XX/XXXX, over one year ago, but the lis pendens against my house was never removed. When I called HSBC Bank about lifting the lis pendens they told me that they have no information in their computers because they sold it to XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX representative XXXX, a very pleasant and respectful individual. XXXX confirmed that the modification agreement was complete in XXXX of XXXX, and that all payments have been received in accordance with the modification to date. I informed XXXX that according to the New York Department of Financial Services ( DFS ), the lis pendens must be lifted within 90 days of finalizing a modification settlement, which is now more than a year overdue, and that I want the lis pendens lifted immediately. XXXX said that he, and his Supervisor would take care of it. I followed up with a letter to XXXX ( copy attached ), dated XX/XX/XXXX, and they sent me a response dated XX/XX/XXXX that even though the foreclosure part of my Court case is over, HSBC will not remove the lis pendens against my home unless I drop my countersuit. I have attached the two letters, and DFS press release information. I do not think the DFS intended for lis pendens to be used as blackmail against homeowners by putting a public lien on their home for all the world to see. I need the lis pendens release according to DFS consumer rights press release.
For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -capitol XXXX account ending XXXX ( they are saying late on XX/XX/XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-Navient ( balance {$62000.00} ) late XX/XX/XXXX : I was not receiving a statement at that time and never late, XXXX did remove this??
several accts were previously mentioned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX loans have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.
Upon setting up my online account I m ixed up two number s on my bank account. Because of this mistake my payment was returned. Since this was a typo setting up my account I called the credit card and asked if they can return the {$25.00} I was told they can not return to fee.
My Home Depot consumer credit card was past due because of a quick prompt in the online account.. some how authorization of paperless statements was selected and thus I never received notification of payment due by mail. This is a joint account I rarely use. I need a statement or phone notification to alert me a payment is due, not an email to that ends up in spam. In XXXX years I have not had a late payment and I am frustrated by the irresponsibility of the creditor to not insure consumers are receiving statements and able to make their payments on time. This creditor advised me when I called that incompetence is a regular occurrence and their system in not perfect and that many consumers do they not realize they are electing for wireless statements. Is it not the creditors responsibility to be sure their consumers want to be billed this way especially since this is an option and not an account requirment???
An apartment complex is attempting to collect fees associated with the unit we ( my now wife and I ) shared for repairs which the apartment complex refused to fix during the time we lived there. My wife filed for bankruptcy in 2012 and the amount owed was discharged. The credit bureaus and the collection agency are refusing to remove the debt. Louisiana bankruptcy laws considered the debt community property and even though I did n't file, it is to be discharged for the full amount.
From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Sears. They refuse to provide the necessary information based on above mentioned letter ( Attached ).
To Whom It May Concern : I applied for a " Bluebird '' Walmart Credit card because the XXXX website offered more points on their Savings Catcher program if you converted the points onto this card. A couple of months ago, I was having some Fraud issues with my checking account, making it difficult to keep up with the payments on this Credit card. They allowed me to charge over my credit Limit. I called the bank for this Credit Card, Synchrony Bank on XXXX/XXXX/2016. I told them I would pay {$130.00} on XXXX/XXXX/2016. They told me that this payment would bring my account into a " Good Standing '' status ; however, the XXXX, 2016 statement shows ONLY a {$60.00} payment on XXXX/XXXX/16, 2 days AFTER I had made the payment on XXXX/XXXX/16 of {$130.00}! When I called Walmart Credit card Dept XXXX on XXXX XXXX/XXXX/16, I was told that the account was CLOSED due to having been over the credit limit AND past due (? ) My payment of {$130.00} brought the Balance back BELOW the Credit limit, and, per Synchrony Bank would bring me OUT of a Past Due status. 
Sincerely, XXXX XXXX XXXX XXXX
I received a notification of enrollment into citi banks credit card protection program, and charged a monthly fee. In addition, the letter contains a mispelling of my last name, I have not used this spelling in over 5 yrs. I did not enroll into this program, nor did I apply for credit with citi, nor  do I have a credit line with citi. I contacted citi bank on XX/XX/XXXX. I was prompted to enter my social security number, upon entering my ssn the automatic message stated that my social security does not match. I then went through a list of prompts to speak with a live agent. Once I was able contract a live person, the rep claimed I was in the wrong dept and transferred to another rep who also stated I was transferred to the wrong dept and that he would give me the correct telephone number, instead of receiving a telephone number I was hung up. I called Citibank for the 2nd time and explained the situation all over again, at which time the rep transferred my call to a promotional line which I could not exit without hanging up. I called Citibank for the 3rd time asked to speak with the manager, instead I was transferred to the supervisor. The supervisor was unable to assist, and stated that this was a known issues, and I was not the only one affected. The supervisor placed me on hold in an effort to transfer me to a different dept just to come back and tell me that he is unable to assist me and that I would have to call back on Monday for a resolution and explanation.
I have a collection account listed on my credit reports by a debt collection agency, National recovery collecting on behalf of XXXX XXXX national recovery license has expired and therefore I am disputing this collection account.
On XX/XX/2018 I was sent two collection letters from XXXX XXXX claiming I owed XXXX debts to Suntrust Bank. I sent XXXX XXXX a letter of Debt Validation and they sent me back two letters, one stating they no longer had the debt in possession and the second they sent a print off of a balance bill. I have Never heard of Suntrust Bank not have I ever opened any accounts with them. In XXXX of 2018 I realized I was a victim of Identity Theft and immediately placed security freezes and fraud alerts on all three ( 3 ) of my credit reports. I have been dealing with Identity Theft and trying to fix the problems it has caused since the XXXX data breach. I than order copies of all the specialty credit reporting bureaus and noticed Suntrust Bank reporting to XXXX XXXX. I have enclosed a copy of my Identity Theft Report and supporting documents for verification. As I stated, I have never opened any accounts with SunTrust Bank and this is a result of Identity Theft.
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are  required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX UNVERIFIED ACCOUNT
Hello. I am writing to get help on unfair pratices used with credit and debit card checking accounts via chase bank. I recently authorized a payment in the amount of XXXX to a company called XXXX for credit repair services on XXXX XXXX XXXX, XXXX. I orginally authorized only XXXX} and when I saw the XXXX  charge, I called the representative at XXXX and they explained that they erroneously forgot to mention that an activation fee of XXXX would also be assessed. I saw the charge pending on my checking account via mobile banking on XXXX XXXX XXXX, XXXX. On XXXX XXXX, XXXX the payment was shown as posted and paid. I also used my debit card for other items as well during this time frame. I check my account regularly and noticed that all was well and I had no issues with NSF fees at all. On XXXX XXXX, XXXX my account had a positive balance of XXXX}. My husband sent me a XXXX payment of XXXX. I noticed that the funds later in the day was not shown as available after using my debit card for a purchase of XXXX. When I called Chase bank on XXXX XXXX XXXX, XXXX in the evening the representative stated to wait 24hours up to 3 days for posting since my husband sent from another bank and not Chase. Today on XXXX XXXX, XXXX the very next day, I checked my account and NOW see 3 NSF fee 's assessed and debits previously posted and paid now REVERSED because CHASE bank knew the charge from XXXX in the amount of XXXX had fallen off due to their rules I was told this morning that if a creditor does not accept their payment within 3 to 5 days from the date it was initiated, the payment then falls off and goes back as a credit to the consumer Me. Now, I feel that yesterday evening when XXXX DECIDED to take their payment from XXXX XXXX, XXXX, they should have shown up on my account yes, but as a pending charge for that day 's banking debits and not back to the original date and the bank is WRONG to reverse other debit entries that had already posted and had been paid. I am now being charged XXXX} times 3 XXXX in NSF fees and the initial charge itself from XXXX should be questioned. I asked the bank to restore my account and I was told NO. This is wrong.