WillisBack/dataset-financial-user-claim huggingface dataset:
My credit cards with Bank of America have repeatedly been cancelled because BoA " was recently notified that information from some credit cards may have been compromised at an undisclosed merchant or service provider. '' BoA has refused my requests to identify the merchant or provider so I can stop doing business with those who do not adequately guard credit card information. BoA reissues me a new card with a new number and indicates I 'm not liable for any fraudulent use of the canceled card. Nevertheless, it 's a nuisance and has happened XXXX in just the last five months. As a consumer, I 'm being denied information that would allow me to choose not to do business with merchants and providers who fail to take adequate measures to protect my information.
I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the Better Business Bureau. 
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations
I have a medical charge from a Doctor ( XXXX XXXX ) in XXXX that billed me for services over 6 months after the date of service due to a negligent accounting error on his part ( date of service was XX/XX/XXXX bill received in XX/XX/XXXX ). I had relocated jobs at the time I received the bill from this doctor and my previous job 's employee insurance wouldn't cover this charge because the bill was sent over 6 months after the date of service. I tried to resolve this issue directly with the Doctor after I had moved to XXXX XXXX, This doctor then sent the bill to collections ( XXXX XXXX XXXX ) and I didn't receive notice of this in XXXX XXXX until the fall of XXXX. After disputing these charges I still paid the entire balance of {$1300.00} just to get this bill out of collections in XX/XX/XXXX. XXXX XXXX XXXX is still reporting to the credit bureaus that I have an outstanding balance of {$150.00}. I have not heard anything from this collection company since XX/XX/XXXX and want to know why they are still reporting a negative account on my credit. Also I believe the company submitting charges to me that I consider fraudulent on the part of the negligence of this Doctor 's accounting errors in the beginning.
My wife and I were part of a modification on our home with an attorney we hired to represent us and our mortgage company. We got approved for a modification and received a copy to sign. My attorney also got a copy and told us that this modification was a good one and urged us to sign it and mail it back to the mortgage co as soon as possible. We were excited that the payment was what we could afford. Our attorney we thought read through the agreement before advising us to sihn it. He never mentioned anything about the other numbers we latter found out were involved that soon lead us to defaulting on our modification. 
We were completely unaware that the payments we were sending to the mortgage company were insufficient. We knew the figure as being correct. The mortgage company was sending all statements and communications about our modification directly to our attorney and not to us at all. We had no idea we were defaulting. Our lawyer refused to answer any of our calls or further emails from us to him. Our attorney never informed my wife and I that he was getting all mail from our mortgage co. His address was even on all the statements. Our mortgage company is now in active foreclosure of our home. We are extremely unhappy with how our mortgage company conducts business with it 's clients. We were never made aware of what exactly our numbers would be on a monthly payment basis. We desperately want to save our home from another foreclosure attempt.
I have mailed dispute notice to Capital One requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.
On my XXXX Credit Report it shows an account with Capital One Auto Finance in XXXX TX. Because this was not actually my debt, it was my oldest daughter, who hoodwinked me into being primary on her account when I thought I was just co-signer. I was not paying the loan. The entire payment history on this account is bad and eventually they repossessed the car from her. Regardless off all of that as I was reading today I understand it is better to have an account status of PAID-CHARGED OFF than to just say CHARGED OFF. In this particular accounts Comments it says : Account paid for less than full balance Paid charge off Contact CAPITAL ONE AUTO FINANCE XXXX, XXXX XXXX But the account STATUS is just listed as CHARGED OFF at the top of the account summary. Should n't it say PAID-CHARGED OFF, since she did settle with the car company and not a collection agency?
In XX/XX/XXXX, I became aware that my identity was stolen. I filed a police report with the XXXX Police Department in Georgia on XX/XX/XXXX. I have lived in Georgia since XX/XX/XXXX. There were numerous loans and accounts opened using my IL license and social security number. A XXXX XXXX XXXX account was opened on XX/XX/XXXX. A secured loan of {$2600.00} was applied for and accepted fraudulently in my name. Since the account has been open, I have called XXXX XXXX XXXX a countless number of times to dispute and make them aware of the fraudulent activity.  When I first started making contact with XXXX XXXX XXXX, they didn't have a customer service support team neither a fraud department. The only person I was able to speak to using the telephone number ( XXXX ) XXXX was the receptionist. Therefore, I sent my Identity Theft Affidavit and other supporting documents to the XXXX XXXX XXXX in XXXX, SC XXXX listed on my XXXX  report. On XX/XX/XXXX, my mother sent a letter to XXXX XXXX XXXX in my defense. I was not contacted about the documents and no one notified me to let me know that they were received. On XX/XX/XXXX, I disputed the XXXX XXXX XXXX account on XXXX. The results of my dispute were disclosed on XX/XX/XXXX. My dispute was denied by XXXX XXXX XXXX  and the account has remained. On XX/XX/XXXX, I called XXXX XXXX XXXX, and to my surprise, they now have a customer service support team. I spoke to a gentleman on the team to inquire about the denial. He was able to lookup the fraudulent account by using my name. He let me know that my documents were received from a year ago, however, there were notes in the account saying that there were missing documents, therefore, the account has remained open. I inquired about the missing documents and he stated that it wasn't notated. He said he would pass my case to his supervisor and would make it of upmost importance, and she would contact me. On XX/XX/XXXX I, again, contacted XXXX XXXX XXXX because I had not spoke to a representative from this company since XX/XX/XXXX. The receptionist, answered and transferred me to a voicemail. I left a message, and as of XX/XX/XXXX I have not been contacted.
I paid my balance on my XXXX XXXX credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XX/XX/XXXX. I left the matter alone and was notified with my credit report later that the account had not been removed as promised. I 've disputed the claim with XXXX and equifax XXXX times with each company. Each time the dispute comes back as 'verified as accurate '. This was not the agreement I had made when completing my payments and my credit reports need to reflect that accurately.
Google wallet froze my account for me to verify my identity and submit tax ID info. I have verified my ID AND submitted the tax ID info. I have more than {$500.00} in there and it wo n't let me transfer it out. I have asked for someone to call me many times and called their support people ( in XXXX ) many times. The out of country support will not help me. Now I 'm attempting to email, call and get call backs and NOBODY there will contact me -- For example, there 's an option to request call back on the website. I request calls and nobdoy calls me.
A former schoolmate of my girlfriend 's XXXX XXXX XXXX XXXX owed her some money and in order to pay her back, he got in contact with me. He said he 'd deposit some money into my account and that once it cleared, I should take my portion and send him the rest. He then asked her that I should mail my debit card to him because he needed it to make the deposit, and not thinking anything of it, I changed my pin and did as she said. I paid close attention to my account, and when I saw the money in there, I felt relieved. Little did I know that it was a scam, and in a few hours, nearly {$4000.00} was withdrawn from my account. I have since contacted the bank and police to try and resolve the issue and get the guy, but nothing has been done yet.
This company ( XXXX XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$660.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX does not have a license, bond, certificate of authority to collect in the state of Arizona.
I had a XXXX XXXX card through FIA Card Services. I misplaced the card and asked them to expedite one to me as I was leaving for NY. I received the card, activated it as instructed, and upon arriving in NY I used the card to pay for lunch. When I tried to use the card to pay for dinner later in the day, the card was declined. I called FIA and they were not able to give me a reason why it was declined ( they said for security reasons, which is XXXX ). They also locked my online account. Even though I answeredall of their security questions, they refused to unlock my card and account unless I answered questions which I could only do by looking at my account. One question was in regards to recurring monthly transactions on the card. I explained that I needed access to view my account in order to provide that info as I have recurring transactions on several cards but they refused to enable my card and unlock my account. I was of course quite upset and told them to cancel my card, but now they still wo n't unlock my account. As a result, I am unable to view my statements for this card, and unable to verify the payment that they just took from my checking account ( autopay ) and they one that they will be taking out soon. I do n't know if there is a law against doing this type of thing, but if there is n't then there should be. FIA Card Services should be punished for this type of behavior.
XXXX sent me two promotional offers for the XXXX XXXX XXXX XXXX cards that I have that were recently forced to convert from XXXX XXXX cards. The offers state that I would earn a {$50.00} statement credit for each after spending {$500.00}. However, XXXX did not send me the XXXX cards when they said they would, and therefore I requested they send me the cards and that somehow changed my account number and they are now saying that the promotion will no longer apply.
My complaint is against American Express. My name is XXXX XXXX, my phone number is XXXX. We purchased some jewelry while on vacation, on a cruise. We payed $ XXXX for the jewelry with our American Express card and the jewelry turned out to be fake. So we had an official appraisal done by a XXXX XXXX XXXX {$200.00}. American Express denied our claim. We believe American Express knowingly does business with these types of vendors. We tried for six months to resolve this with them. This is why we want to file this complaint against them. We have all documentation and proof the we can provide to you. Please advise us on what we should do next. AMERICAN EXPRESS ACC # XXXX
I purchased a total of XXXX items from kohl.com. I then received a package with XXXX items in the box for which I did not order. I called kohl and was told to return the wrong items in store and i will receive a full credit for the correct items and a refund of the shipping charges. I go inside the kohl location in XXXX MD, speak to the manager XXXX who confirms I indeed returned XXXX items that was placed in the box to a kohl.com agent and I was then advised I would get a full refund in about 7 days. Now, i received a second bag with a book i ordered XXXX and i do n't expect to get that back. Im told that all calls are monitored and recorded and nearly everyone i spoke to seemed to advise me i returned XXXX items not XXXX. I called in with the manager, XXXX, from the kohl store I was given a reference number of XXXX that should have stated i returned all XXXXitems that were shipped. I only received part of my full credit. Ive been getting the run around, no one seems to be able to help. I just want my full refund as I returned all the items i received.
I have been paying this loan over 15 years. My payments are not being applied correctly, each statement I pay the amount due but my balance doesnt appear to go down. I just happen to review my account online and find that interest was capatilized on XX/XX/XXXX and XX/XX/XXXX but I dont k ow why. My payments were set up on auto payments so there should not be any capitalized payments. 

I will never pay this loan off if my payments are not applied correctly. Please investigate and make sure that my payments are applied correctly and the balance corrected.
I had a medical visit to the ER on XX/XX/XXXX-X/X/13, which the amount of {$300.00} posted to my credit report, not owing the amount. My health insurance already paid this. I have letters from my insurance documenting my exemptions from this debt, to no prevail.
I 've been trying to resolve with the debt collection and ( hospital ) sinc
e 2013! Yet, still unresolved. Now damaged my credit.
Over the last month or so, the collection agency named Optimum Outcomes has started reporting medical debts on my credit report. Prior to these new medical collections appearing on my report, I am not receiving any notice whatsoever. To my understanding, the Fair Debt Collection Practices Act requires a collection agency to provide a 30-day notice to dispute, before they report accounts on my credit report. Apparently, Optimum Outcomes is waiving this requirement, and reporting these medical bills on my report without notifying me first ; and giving me an opportunity to act.
I found a `` XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX XXXX XXXX XXXX or take my adult son there in XXXX or XXXX. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from XXXX, Equfax and XXXX XXXX XXXX XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have googled this place in XXXX and sent letters to any addresses I could find.
Wanted to lower my payments ... they said I had to default on the lones if I want to lower my payments.
On XX/XX/2016 I received an escrow letter from Caliber Home Loans stating that My mortgage payment was going to increase from {$620.00} to {$1500.00} on XX/XX/2016 due to an escrow shortage caused by an HOA assessment in the amount of {$340.00}. I immediately contacted Caliber and spoke to XXXX who advised me that a check was being sent every month in the amount of {$340.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Fl XXXX. I advised her that my association is XXXX XXXX at XXXX XXXX XXXX XXXX Fl XXXX and my association fees are paid by me every month they are not included in my mortgage and that there are no special assessments on my property. After numerous phone calls and XXXX XXXX, 2016 fast approaching and nothing being resolved on XXXX/XXXX/16 I was forced to seek legal counsel to have to resolved before my mortgage was in default due to not being able to make payments that were not correct through no fault of my own. I had to pay {$900.00} to attorney XXXX XXXX to ave this issue resolved on XXXX/XXXX/2016 XXXX XXXX sent a letter requesting this be resolved and fortunately at this point my mortgage payment has been corrected. I am still currently out {$900.00} in attorney fees that Caliber does not seem to want to reimburse me for. This was something that had they not erroneously mismanaged my escrow account or at minimum resolved the issued when they received my letter and documentation supporting my mortgage should not be going up because this was an error on their part I would not have had to pay {$900.00} to an attorney
Inquiries on my TransUnion report were removed and re added to my report without notice or explanation. 
NAME OF COMPANY : INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
I want an immediate credit freeze from XXXX, ( and the other two companion credit bureas ) due to XXXX 's data breach, but they want to charge me for it unless I can PROVE I am a victim. XXXX is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! XXXX  SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION.
" XXXX-based XXXX, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXX and XX/XX/XXXX of this year. XXXX discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. '' XXXX XXXX XXXX
Global Credit and Collection Corporation ( XXXX XXXX, Global Credit and Collection Corp., XXXX XXXX, NJ - XXXX ) has apparently been calling at least one of my former co-workers for several weeks, sharing all of my information, about an alleged debt. I am not even sure what debt this is about. I have been working to pay off credit card debt, but this company contacted me for the first time yesterday, yet has been harassing at least one person I know.
I paid a debt in full XX/XX/XXXX that was owed to the XXXX. I know the debt was resolved because prior to paying it, my tax return was garnished multiple times. after paying the debt i filed XXXX more returns and it was not garnished. Further more i contacted the IRS to confirm. XXXX/XXXX/16 i received a letter from " Transworld systems inc. '' attempting to collect on the same debt already paid. I have also received auto dialer calls to my cell phone. Upon researching the company i was able to find they have been fined recently and have universally negative reviews among debtors and companies that have tried to use their " services ''.
I disputed the account with Equifax as " not mine '' but it recently came back as verified ... .I never had an account with XXXX XXXX XXXX, XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
monterey financial ageed to update the credit bureaus after my last dispute through CFPB. However XXXX is reporting the item as being 60 to 90 days late.
I was notified of this supposed debt by the collector. I contacted my cell phone service provider, XXXX, to inquire about its origin. They initially told me the debt had already been sold, so they no longer had access to my account. I asked to speak with a supervisor and was put on hold until the toll-free number hung up on me. So I called back. The next customer service rep accessed my account, and told me that when my girlfriend and I combined accounts, my account was canceled, and the remaining balance on the phone I had purchased had not been transferred over to the new family plan, as they call them. I called the collector back. The collector representative said the balance due was from XXXX services that had been billed to me incorrectly after the combination of accounts. I called XXXX back to verify. The XXXX representative I talked to said that I had only been billed one month 's service in error, and that half of the balance in collections was my final bill generated after combining accounts with my gilfriend. I was told they would submit a claim on my behalf, correct the balance, and then I could work with the collector to pay off the remaining balance due. One month later, I receive a letter from the collector that says they discussed the matter with XXXX, and XXXX had rejected my claim. That same week, the agency reported this debt to the credit bureaus. I am convinced that this is all due to a clerical error on XXXX 's part, that I do not owe anything, and that it should be removed from my report.
This lender refuses to remove false debt off of credit report. This is a payday loan and payday loans are not on credit reports!
My student loan was transferred from XXXX XXXX to American Education Services. I received a letter saying that the loan would be transferred. The day after that date I logged into the American Education Services webstie ( www.AESsuccess.org ) but I couldn't see anything, I contacted their customer service and was told it would take 72 hours, at most, for the information to be uploaded and that I should check back on XX/XX/XXXX. Today, on XX/XX/XXXX I tried to make another payment and still could not see my loan information. Again I contacted customer service, and again they could tell me nothing about my loan other than that they were working on it and that it would take until XX/XX/XXXX. When I inquired if that date was certain or if it might take longer the customer service rep basically responded with " it might take longer '' and that I was not the only person who had a loan transferred from XXXX XXXX to American Education Services.