WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted the Law Office of Gregory Alexandrites, LLC via phone requesting that they validate not verify a debt they are attempting to collect from me they claimed I owed and was informed I had to request it via email. I specifically asked for a Statement of Accounts and requested validation on five different occasions XX/XX/18, XX/XX/2018, XX/XX/2018, XX/XX/272018 and XX/XX/2018, along with 4 different occasions via telephone yet the firm failed to provide the requested information and has ignored the 4 voicemails I have left for their office manager XXXX . They then sent me a final notice letter after not responding to any of my request threatening to file a lien on my property. They have not provided me with any statements or validation after my numerous requests. I have attached supporting documentation. I am asking them to provide the requested information or cease harassing me.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

For example, XXXX XXXX XXXX XX/XX/2016 {$760.00}
On Friday XXXX XXXX I contacted equifax to dispute a duplicate charge from XXXX. I explained that there are XXXX accounts listed, XXXX closed and XXXX open with a balance of XXXX. I explained that the account was closed in XX/XX/XXXX and this account is a duplicate. Equifax reported on XXXX/XXXX/XXXX that they had completed the investigation and that they contacted XXXX and " the balance is being reported correctly ''. Equifax then changed the date of last reporting on my credit report to be XXXX/XXXX/XXXX. On XX/XX/XXXX I contacted XXXX and they stated that they have never been contacted by equifax and that I have no open accounts. They stated that there are no open accounts and They mailed me a paid in full letter. I have tried multiple times to file another dispute with equifax online, but their system states that the info I 'm inputting is not valid and it will not allow me sign in. This duplicate account has been on my credit report since XX/XX/XXXX and is currently prohibiting my ability to obtain a mortgage.
If a consumer does not report authorized ACH entries with sixty days of receiving the periodic statement with the unauthorized transaction, does Regulation E dictate that financial institution must refund the amount of the unauthorized entries occurring with the sixty days of the periodic statement. I am confused with 1005.6 ( b ) ( 3 ) and the official interpretation.
FEDLOAN  continues to report to credit agencies I was late  in 2015.   My loans should have been in deferment as i was in school and the months that followed.     Since I have paid a substantial amount of the loans off and pay every month. They have told me they were removing the late payments from my past but never have. I have also reported this to credit agencies yet they are not able to correct either.     My record should not show any late payments as i have perfect credit.     If this does not work, I am going to find an attorney
Good Day In checking my credit report with XXXX I noted that Midwest Recovery System is attempting to collect a {$760.00} debt for VIP Cash. I am not familiar with either of these companies and in XXXX I found it to be a payday loan. I did not take out any payday loans and their practice of placing such a debt on my credit report without proper notification is not only improper but false. I am asking for assistance in getting this item removed from my report and their seeking to collect on a debt that is not only illegal in XXXX but that is not mine. Thanks
XX/XX/XXXXwe began the loan process with JP Morgan Chase to refinance our existing mortgage for our Condo in order to take advantage of the equity in our home for debt consolidation and home improvement. The estimated property value of our home is XXXX and the balance on our current Chase mortgage is XXXX, the refinance amount requested was XXXX. We have lived at the same address for 30 years and both my spouse and I have worked for the same employers for more than 10-years and 27-years respectively ; each of our individual credit scores are in the " excellent '' range, with all debt payments made timely. Our condo is part of a XXXX unit homeowner association which was built in XX/XX/XXXX and converted to condominiums in XX/XX/XXXX and was designated a National Historic Landmark in XX/XX/XXXX. Today we were told that our loan was DECLINED because 2 HOA projects were not scheduled to be completed before the inception of our loan, the two projects noted were both long-term maintenance projects that are documented in the board-approved annual budget. We are very upset and do not understand why this is a factor in our ability to repay a standard 30-year loan for an amount that is roughly one-third of the value of our home. During this entire loan process we feel that we have been overly burdened from Chase to explain and justify inexplicable factors and are wondering if there is an underlying discrimination that is driving them to ultimately decline this transaction.
Capital One has continuously charged me late fees for missed payment days that fall on XXXX. As an observer of the XXXX XXXX, I do not engage in financial transactions on XXXX. Capital One again recently charged me a late fee for missing a payment this past XXXX, XXXX/XXXX/2014. I have called in many times complaining about this problem, and they have done nothing. I believe this practice is XXXX and I should not have to make my payment early because they will not honor my XXXX. In addition, I have requested credit increases multiple times, as my credit limit is only {$300.00}. Capital One has not responded to XXXX of my requests. On the last request made, I was denied because Capital One claims they can not access my credit report because there is a security freeze on it. I contacted XXXX, XXXX XXXX, and XXXX. There is no such freeze on my reports and there has not been since I have been in possession of this credit card.
I have advised this company several times no contact at my employer or references. They disregard my request. On XXXX, I advised a representative of me waiting for my XXXX. I was n't certain on date. My instructions was to follow up on XXXX. Prior to follow-up, they were contacting references. The notes in their system did not match our conversation on XXXX. They did not take proper steps to review the call per my request. I spoke with a XXXX and XXXX that works there as a supervisor and I was verbally abused by both. I spoke with a representatives today prior to XXXX and she accepted the arrangements. He refused to honor previous arrangements and threaten to repossessions my vehicle. I just paid {$700.00} on XXXX. I owe {$140.00} to complete XXXX. My due date is on XXXX of each month.I advised him I will have current by XXXX. I can make {$150.00} a week until current which will be {$600.00} and my payment is {$430.00}. This is ridiculous. I have several emails sent to this company pertaing to the issues discussed. 
XXXX called a 3rd party number after the company was advised not to call. 
XXXX called a number that he was not advised to call that belonged to a 3rd party. 
He was argumentative regarding who answered phone. He was not willing to accept or attempt arrangements on the account when I paid {$700.00} on XXXX. He advised me no auto companies allow their customers to make late payment.
On XXXX XXXX, XXXX, I contacted XXXX XXXX concerning a collect, I had no knowledge of. They notified be despite this fraudulent account. It had been sold, to a debt buyer- JH Portfolio. At this time I wrote them a letter. I sent all communications certified, so no response until XXXX/XXXX/XXXX. My request to remove this account, with the XXXX bureaus has been disputed on XXXX. There has been correspondence from the original creditor. Which I have attached- with no validation. This company has made no effort to correct this account. 

XXXX from XXXX states that company verified the collection by using my maiden name and social number. Both information that can be found my lost military id, or lost drivers license.
The Company Professional Recovery Consultants felt the need to call my job. Another colleague with the same name to my own answered the call, and the worker gave her the last 4 digits of my social and was asking if she was me and was harassing her. I work in a XXXX, specifically in an XXXX XXXX, and was getting ready to talk to a relative of a XXXX XXXX. This is about a month after they called my boyfriend to get information from him about me. 

This occurred on XX/XX/2018, around XXXX. The website for the company is https : //prorecoveryinc.com/.
I normally receive my direct deposit on Monday mornings since it is supposed to be posted on my account by Sunday night ( sometimes it will post on Sunday sometimes it will post Monday morning ). However, lately my direct deposit has been posting late Monday night and this particular pay period of : XX/XX/18-XX/XX/18 I have not received my direct deposit at all. Ive called Netspend customer care dept. and theyve continued to give me different time periods of when my direct deposit will be posted but I have yet to receive it. I have a car note that was due yesterday and if not paid by today : XX/XX/18, I will be forced to turn my car in which puts a strain on my transportation.
I just recently disputed some medical bills that should have been covered by the VA. I got out of the military in 2010 and was told I was covered fully for 5 years. Two items are still showing up on my credit report and some years ago I paid this company money which I realize now I should not have paid because the same debts for the same treatment had been taken off. The company is Aargon debt collections. I need help. Part of my XXXX is a XXXX which I have a XXXX XXXX on my XXXX for. Please help
I removed my payment method in attempts to cancel equifax product premier plan before the next billing cycle. This was the only sufficent method visible to me that was a available when I logged in to cancel this service. I wa billed again on XXXX/XXXX/XXXX. I contacted equifax to ask why and they explained that they save your credit card data for billing, even if you remove it. I request immediate refund and cancellation because I did not want to be charged for this anymore. Equifax refused to refund. They explained I can use service through XXXX for the charge. However, the product is no longer available to me. When I attempt to update my equifax it gives me error because no payment is on file. It states failed.
I originally submitted a fraud claim with Wells Fargo bank in XXXX of 2016. Wells Fargo denied my claim because they said that I continued to pay my bill so the charge was valid. I had never heard of the company, and I pay my bills on time, so I let them know that I had never had any interaction with the company in question. The denied me again. After the second denial, I asked reached out to the Consumer Financial Protection Bureau. Wells Fargo responded and said that I should contact the company directly and when I have more evidence, that I should furnish them with it. I did contact the merchant who billed me via email. They told me that they did n't have any record of doing any business with me. I then sent this email thread to Wells Fargo so that they could correct my account. They did not. Wells Fargo has a {$0.00} fraud liability for clients, and this merchant has no record of doing business with me and I have no record of doing business with them.
I contacted XXXX to obtain services in XX/XX/XXXX. They informed me I could bundle service with XXXX. I decided that was an option I wanted. I was informed that before any billing would start the installation employee would come confirm that my residence was feasible to obtain services. The installation employee informed me that there were too many trees on my property to obtain XXXX service. He put me on the phone with a manager would informed me that all contracts would be null and void, and he was sorry I could n't obtain there services. XXXX days later XXXX sent me a bill for services rendered. I did n't obtain any services from XXXX as I did n't obtain the bundle from XXXX. I sent certified mail response requesting : 1 ) Proof that I am a customer and had requested services 2 ) Proof that services were in fact rendered at my address 3 ) If XXXX could n't provide proof that they stop sending me collections. I received no reply, but did receive a collections notice from a third party collections agency. I sent the collections agency the same XXXX questions i sent XXXX. The collections agency responded informing me that they in fact could n't prove any services were rendered and would be sending the account back to XXXX. XXXX link then sent me another collections notice on their behalf, and I again sent a certified mail response which received no reply. Now on XX/XX/XXXX, another collections agency is requesting payment of debt on behalf of XXXX at the amount of {$290.00}. This has caused me XXXX as I have NEVER missed any payments to ANY of my creditors. XXXX can not prove I had received or asked for any services. Yet, they refuse to respond to me correspendece. XXXX practices are in direct violation of the Fair Debt Collection Practices Act.
In XX/XX/XXXX, my husband lost his job. At this time, we had a home mortgage with XXXX XXXX XXXX. We contacted them requesting a loan modification. XX/XX/XXXX, we received a letter informing us that our loan had been modified and the necessary paperwork needed to returned by XX/XX/XXXX for finalization. Our first payment would be due XX/XX/XXXX payable to XXXX. We signed the paperwork on XX/XX/XXXX, and returned it immediately. We were then sent a letter from Rushmore Loan Management dated XX/XX/XXXX, stating that our loan was transferred/sold to them and the date our loan was sold was XX/XX/XXXX. I believe this is where all the confusion started. In the meantime, we start getting letters from Rushmore stating that our loan is delinquent. A phone call was made to Rushmore explaining the loan modification. They claimed that they never received the paperwork from XXXX in regards to the modification. I faxed them the XXXX paperwork to show that we were approved by them for the loan modification. This was in XX/XX/XXXX. We made our first payment to Rushmore in XX/XX/XXXX. We continued to call Rushmore regarding the modification in which they said that all the paperwork was in Underwriting. This was in XX/XX/XXXX. I'm a little confused as to why we were told that the paperwork was in Underwriting and then told that they never received the paperwork. We continued to make our payments and still kept receiving letters and phone calls stating that our loan was delinquent and in danger of foreclosure. All our payments were considered partial payments and unapplied. On XX/XX/XXXX, we received a call from a Rushmore representative informing us that because they didn't have the original paperwork that XXXX should have sent them, she was emailing us the paperwork that I had faxed them in XX/XX/XXXX to us and we needed to resign it and send it back to her immediately, in which we did. On XX/XX/XXXX, we received a letter from Rushmore indicating that their records show payments received for each month the loan has been serviced by them and once the modification is approved, Rushmore will correct any negative credit reporting and wave any late fees assessed as necessary due to the delays. 
XX/XX/XXXX, we received a letter from Rushmore letting us know that our modification was finally approved and all our payments were applied to the principal and interest. I don't know if all the fees and charges were reversed. My statements show a total of {$240.00} in fees and charges. 
Because of all this mix up, our credit report is showing a 90 day late on XX/XX/XXXX and a 90 day late on XX/XX/XXXX. I've written a couple of letters and Rushmore comes back and says it's because the loan mod wasn't approved until XX/XX/XXXX. This is not our fault for all the paperwork problems. We tried very hard to get this remedied.
Bank of America Charge me 3 times XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING. Activity they said I done it, and they are right but their online web side redirect my transaction from my external bank " XXXX XXXX '' to Bank of America checking account, account with no available money and charging me. Transaction I done many times with out problem. Something was happening ... XXXX XXXX " phone support '' help me fix the problem, telling me she experience the same problem before with her personal account, then she asked me to logout and fixed the problem, then asking me to login again. Then Manager XXXX XXXX said, nothing can be done with OVERDRAFT ITEM FEE, it was my fault for not fixing the problem before, when the first incident happens. I try to explain to XXXX several times and she tried to explain to again to XXXX XXXX her supervisor. indeed I when to local bank and ask for help, they forgive XXXX fee and not the other XXXX and they never inform me about the real problem and how to fix the problem or even contact online banking, until the XXXX time, they even shared the online banking phone number with me. Feeling sad and very disappointment with Bank of America.
I had a Citibank card about 4 years ago. I had been charged with too much fees and when I called them I have been charged too much and I would like to close the account by paying off the balance, the customer service representive was laughing at me and did not care at all about what happened .I was shocked by the lack of care of this bank for its customers. It looks like they are not honest and they really need to improve their service.
Equifax has compromised my wife 's and my personal financial data and have only limited solutions that may involve me forfeiting some legal rights. Hackers may now know my personal information as Equifax was careless.
I previously had a car loan with Satander Consumer back in 2014. Since then, the account has been closed. However, according to my credit report the account is still open. 

Although I do not have a loan with rhis company, my mother XXXX XXXX does, but for a different vehicle.. 
As such, I have paid for her loan using my credit cards and assume the errors are from misapplied payments (? ) Regardless, this account is still being showed as active on my credit report and it is NOT nor has been for several years.
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
My payment was due   XXXX   XXXX   XXXX      ( Monday )  and the website was down on  XXXX   XXXX  when I tried to make my payment. On the  XXXX  I was able to log in but they had removed the usual portal to make payments by and had no explanation. I sent an email but had to wait until  XXXX   XXXX  to receive an answer. Then the directions they provided were long and not easy to follow at all. I eventually was able to make my payment on that day but my complaint is that this whole episode and anxiety could have been avoided and I could have accumulated late charges.
I received a letter to recast my mortgage from {$890.00} to {$820.00} and take effect on X/X/17. I signed the form and sent this form, along with a name change form and a form granting access to my account for my husband and sent it certified mail ( USPS tracking number XXXX XXXX, as my recast expired on X/XX/17. The package was received at Chase on Friday, XX/XX/XXXX at XXXX. I received paperwork, stating that they changed my name and had given access to my mortgage account to my husband. I just went to pay my mortgage and it 's still {$890.00} and Chase is saying they never received my recast paperwork and it expired on X/XX/17 and there 's nothing they can do. This is fraudulent, because that paperwork was in with the rest of the paperwork they miraculously received. I want Chase to honor this recast and to prevent further consumers from going through this frustration. The name change and access documents were not time sensitive so there would be NO REASON to send these certified mail, other than the fact that my recast paperwork was also in this envelope!!