WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX, I had an account with Conns for a Laptop. I lost my job and fell behind on my debt. I was turned over to collections. I then got a job, a Great job and am now buying a home. In the beginning of the loan process I settled all my debt including Conns. 
I received a letter from creditor saying the debt is satisfied and will be removed from my credit report. Fast forward ... ..less than 2 weeks before my closing date on my home. Credit report is pulled and Conns is still reporting the debt. I called Conns on Friday XX/XX/18 I spoke with Mngr XXXX who assured me it was Conn fault and the would send via email a letter stating the account is satisfied. I did not get the email. I called Sat the XXXX and was told that yes Conns would send an email BUT it could take 72 hrs to receive the email ... .of course I wasn't happy but Conns does not care!!!! Fast forward to XX/XX/18 ... .Still have not received the email. I called Conns again. On the phone 3 different times. They informed me that they will not send an email. They said the letter had to come from XXXX XXXX ... I told them I have that already and I just need the email they promised me. They said no. Conns is prohibiting me from being able to close on my home with the better interst rate. I told them I just want what for XXXX days they said they would provide. This should have been removed from my credit report MONTHS ago. I JUST NEED AN EMAIL stating it is satisfied that's all ... .It has to come from Conns .
I tried to obtain a home loan through PHH and was quoted a rate of 4 % and at loan signingI was given a rate of 5 % - my loan officer did not tell me why and left to go on vacationfor 3 weeks.
My M & T checking account was overdrawn by {$3.00}, M & T assessed me the standard insufficient funds fee of {$38.00}. But then I was charged the another {$38.00} overdraft fee because it was insufficient for five ( 5 ) days. So for the negative {$3.00} balance on my checking account I was charged total fees of {$80.00}. : Not to mention this is supposedly the M & T account for low income persons.
I am filing a complaint since Equifax has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.
This company calls repeatedly every day and has for months claiming to be trying to collect a debt from someone I've never heard of ( we are a business ). 

If I press 0 to speak to a live person the moment I try and explain myself they hang up on me.
American Express has informed me that I can't make valid charges to a person because I know the individual. This is absurd and I have had difficulty understanding their position. I know many of the people to whom I make purchases and their position is unclear and their representative had difficulty explaining their rules and what the are requesting. I am now being asked for bank statement and they have not informed me of the reason. 

I think the real issue is that they have extended me a large amount of credit and they are now nervous. This is the best that I can come up with. In an attempt to get to the bottom of this, I am also contacting me congressional representatives about this matter. 

Please let me know of any further information that you require. Thank you.
I recently was going through a divorce and found out that my ex-husband was not paying my credit card bill my credit cardbill. And it was fairly delinquent I contacted the company made arrangements started making {$75.00} a month payments and they were hitting me with a {$38.00} late fee every month and interest on top. I have called them my payments went up to 90 some dollars a month still were hitting me with the late fees and interest started sending me harassing letters Im finally up to {$200.00} a month and Im still getting letters from the company theyre still hitting me for the full interest and the {$38.00} a monthly fee because my credit is still past due even know I making the payments before the bill is due. I am barely affording to put food on the table for my child but I managed to pay them {$200.00} a month when all the other credit card companies will work with me for little payments and then drop my interest-rate hardly nothing and removed all late fees if American Express would take off all the late fees and drop my interest my payments would become very reasonable and I could pay off the debt but they are unwilling to work with me at all all they want is more money and they just keep threatening me to collections. They hit me with a {$38.00} fee and almost {$100.00} a month in interest so you see that my balance is not going to come down quickly at all.
RUSHCARD : I have been unable to access my funds for 2 days. A deposit that was supposed to be made, has n't. I am in dire need of my own money that I work very hard for.
I have credit car issued through Cabela 's Visa. This card had a due date of the XX/XX/2018, that was missed due to illness. The card company issued a late payment fee of {$35.00}. In addition they lowered the line of credit for the card. In doing this they affect a persons credit score and profile. The do this by creating a situation in which the credit is closer to being max out and the percentage is higher causing the credit score to be affected. Make it a double jeopardy event. Now this is not after a 30 day late payment. It is changed the day after or in this instance 6-7 days after the late payment was missed. This takes and places undo hardship upon a customer and causes two penalties related to the single event.
I had a car that was financed with SNAAC and repossessed in 2014. 

No deficiency judgment was ever obtained. I was never given a written itemized list of the amount owed and it is now appearing on my credit report.
On XX/XX/2012 an auto loan was taken out in my name with a company by the name of Westlake Financial in XXXX. I lived in XXXX  at this time. Theres a balance of {$7500.00}. I have been disputing this fraudulent account for years now. Its now still reporting to my XXXX  and giving me the hardest time. Not the mention by state law in XXXX debt collection credit reporting has a Statute of Limitation of 6 years. Now, Ive tried and tried and tried and this company still has not taken this off. Please remove this account as it is not mine and also violates my rights by law of ( SOL ).
hi i m sending money to my mom and my wife and daughter they live in XXXX i m helping them monthly one company name is ria money and i m use almost 3 years without reason they block my account i call them they told me there system block me i can t send any more i ask reason there no reason i m ready provide all document pay slip tax return but they said no your block then i try to send with XXXX XXXX to my sister in XXXX XXXX XXXX XXXX $ go there location i give my id and my debt card they process and give me slips next day they call me said same thing your block in over system i ask reason there no reason no information which person or department i ask for help i also faxed my pay slip and tax XXXX and doctor bill to them still no answer please help me out or any document you guy need i will provide hi i m sending money to my mom and my wife and daughter they live in XXXX i m helping them monthly one company name is ria money and i m use almost 3 years without reason they block my account i call them they told me there system block me i can t send any more i ask reason there no reason i m ready provide all document pay slip tax return but they said no your block then i try to send with XXXX XXXX to my sister in XXXX XXXX XXXX XXXX $ go there location i give my id and my debt card they process and give me slips next day they call me said same thing your block in over system i ask reason there no reason no information which person or department i ask for help i also faxed my pay slip and tax XXXX and doctor bill to them still no answer please help me out or any document you guy need i will provide Thank you XXXX XXXX XXXX XXXX XXXX
Addendum to Complaint sent on XXXX XXXX : On XXXX XXXX, 2015 I received a phone call from XXXX XXXX, Bank of America, ( contact # XXXX XXXX XXXX XXXX ). She asked want I wanted to resolve my Complaint. I said I wanted to have my original application reviewed fairly. XXXX said since the review was " closed '' I would have to reapply. She persisted in trying to insisting this was a fact. I referenced all the communication I have received from Bank of America, including letters from XXXX XXXX, CRM, on XXXX XXXX, XXXX, and XXXX, to prove the case was stilled opened. 
I asked that she put this in writing, she refused. I then reference letters I had received on behalf of XXXX XXXX, XXXX XXXX from XXXX XXXX and on XXXX XXXX from XXXX XXXX, both were written by XXXX Customer Care regarding the modification application. 
Today, I received a letter from XXXX XXXX, XXXX Customer Care, which is clear shows the application is still opened it states I " should work with XXXX XXXX ... XXXX XXXX will be your primary contact throughout the workout the review process. I encourage you to work closely with her ad submit any requested information right away to keep your loan 's review moving forward ''. 
Also, previous letters state that we are further behind in our mortgage payments. 
It is apparent that BofA is continuing to use unethical mortgage practices, in evaluating this modification by false statements, misrepresenting facts, deceptive and misleading statement.
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX1961 Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
Navient refuses to set me up with an affordable or XXXX system. They take half of my monthly income of around XXXX per month. I am getting a reduced interest rate but this hardly solves my financial hardship. XXXX should be eligible to all student borrowers no matter what the loan. I am suffocating in debt and Navient refuses to do anything about it.
Executed a lease with XXXX XXXX through email. Arrival date XXXX/XXXX/2013 see apartment for first time and document/record/film many housing violations. 2010 Maryland Code Public Safety Title 12-Building and Material CODES : Other SAFETY Provisions Subtitles 2- Statewide Building and housing Codes Section 12-203-Minimum Livability Code. Apartment did not meet minimum standards by law. Did not take/move into apartment, immediately informed XXXX XXXX. Found replacement housing XXXX/XXXX/2013. XXXX XXXX XXXX continued to charge my credit card for apartment. I disputed charges and XXXX XXXX Wide hired ResidentCollect Inc ( XXXX ) who called and harassed family for payment of {$1200.00} for rent of apt . not taken. The actions and statements of XXXX XXXX XXXX and ResidentCollect Inc destroyed credit and were used/cited as the reason for family member termination from job.
JPMorgan Chase Bank, foreclosed on me with out bring me in the foreclosure case, even after I asked them to bring me in. I 'm the owner of record of the property & the person on the note.
My husband and I noticed charges made to our credit card account that : 1 ). We did not make 2 ). We did not authorize 3 ). We believe is fraud
Experian Report # XXXX XX/XX/2018 Experian has on my credit report 2 of the same address which there should only be 1 not 2 duplicated address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
I requested Professional Adjustment Corp. SW FL, Inc. to send me a copy of HIPPA form to verify the debt. To date, I have not received any signed HIPPA form with my signature.
Accounts : Reason : Tangible Proof Needed ASAP XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. 

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Regards,
I was given a message on my job that a man called to talk to me named XXXX XXXX and I was given his phone number. I called him and asked him who he was and he said he could not help me until he knew my name. i said XXXX XXXX. He asked what phone number he called. I said I do n't know what phone number you called, I just got a message to call you. Who are you? What kind of business is this. He proceeded to become very rude and belligerent saying he ca n't help me if I ca n't tell him the phone number. I said I told you I do n't know who you called. He said he had no one by that name and again stated he ca n't help me without a phone number and said call me when you get it and hung up on me. His phone number is XXXX and the name of the company is Critical Resolution Mediation.
I am attempting to pre-qualify for a home purchase. I was informed that my finance company for my vehicle ( Westlake Financial, XXXX XXXX, CA ), did not submit credit information for my vehicle purchase to the XXXX credit bureaus. Westlake Financial told me my credit report with XXXX showed a discrepancy. I was instructed to secure a Numi-lite letter from the Social Security Administration, but they no longer do these. I was then told by Westlake to have the XXXX credit bureaus send me letters showing a correction. I secured it and sent the information to Westlake, however, when I tried to follow up I was given XXXX different versions of the amount of time it would take to correct it. It 's been 32 days since I forwarded the corrected information to Westlake and its been over 2 months since this whole process began. Westlake still has not completed a review and forwarded my car purchase information to the credits bureaus. They indicate it could be another 2 to 4 weeks ( total review time of 6 to 8 weeks ).
I received notification on my alerts through  XXXX  that a new credit collection account is appearing on my account at  XXXX ,  XXXX  and  XXXX  on  XXXX   XXXX ,    2017 wi th  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates  XXXX   XXXX ,    2017 wh ich is in the future. Second, I do not have gas service at my present location and have been at my present location of  XXXX   XXXX   XXXX  for over a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on  XXXX   XXXX ,    2017 and  ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe belongs to me.
After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all three agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : TransUnion : XXXX.2016 and XXXX.2016
On XX/XX/2017 I was involved in a car accident in where I was at fault and I didn't have insurance at this point because I had just gotten the car, police then arrived on the scene ( because the people I hit called them to make sure everything would go smoothly ) the police then issued me a ticket and I was ordered to go to court. I went to the court date and was ordered by the judge to pay all fines including their deductible on their vehicle and did that in a timely manner and I was made to believe that everything was settled in court. Yesterday I received a call from a women at Wellman Weinberg and Reese company LPA.  She was very rude, threatening and abusive from the very start of the phone call, she then proceeded to tell me that I owed over {$3000.00} to the insurance company of the individual that I got into the car accident with. I tried to explain to her that everything was settled in court and that this happened almost a year and a half ago, she proceeded with being rude and threatening with no explanation.. She again threatened me with a lawsuit with zero explanation other than " That was the law, this is the insurance company ''?? I continued to try and argue the point that this happened going on two years ago now and she gave no explanation in return ... She continued to be extremely rude until she hung up on me and then I received one last threat of a lawsuit and was hung up on. I would appreciate your help in this matter.
This was a complaint filed in 2014 and I NEVER received any emails from you and I never received XXXX phone call from Barclay. They have not reduced my credit card rate, I was promised i would not have to pay any interest or late fees. they have done nothing to help me except provide legal aid this is a joke. every other credit card helped me and this one will not. they are affecting my credit report severely and i can not believe that they sent generated responses as well. i have managed to pay down this card from XXXX to XXXX with late fees and interest. i am on XXXX the XXXX is not mine. they are absolutely not helping or taking responsibility that they were required by the law to provide the phone number of the woman that forced closed my account and gave a phone number. they allowed themselves to give out information to someone pretending to be me. they are rude vindictive and need to backtrack and remove all fees accrued because at this point the card would be paid and i want the negative score off of my credit report. i already sent them XXXX letters the next XXXX will be certified and they have 30 days to do so by law or the credit reporting agency has to remove it from my report.
XXXX XXXX XXXX, for XXXX XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XX/XX/XXXX, 2017. Also, XXXX  XXXX XXXX is NOT licensed in the State of Florida to collect a debt. This debt is reporting FALSE information on my credit report, on XXXX, XXXX and XXXX. The collection amount listed on my credit monitoring site is for {$370.00} and I was never made aware of such debt in writing. This is a violation of the FRCA.
I have been disputing two charges with CapitalOne since last XX/XX/XXXX. ( CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX   ) The dispute regards two Charges : One made XX/XX/XXXX for {$1300.00} and the other made XX/XX/XXXX in the amount of {$1200.00}, Totaling {$2500.00}. The merchant was XXXX XXXX The first charge was made XX/XX/XXXX in the amount of {$1300.00} to XXXX XXXX to purchase a treatment given that day, and future treatments. I disputed this charge because the merchant did not get back to me despite my repeated efforts to schedule future appointments.

The second charge was made XX/XX/XXXX because the merchant called in such a fury that I was intimidated into giving her my credit card again. This time the amount was {$1200.00} because I had sent a check in the amount of {$100.00} to cover the treatment that I had received on XX/XX/XXXX ( {$75.00} plus a {$25.00} tip. ) I provided 30+ pages of emails and letters CapitalOne showing my efforts to either be reimbursed or to receive gift certificates from the merchant. The owner XXXX XXXX even alluded to bringing the certificates for treatments to me in XX/XX/XXXX. There was always a strange excuse for why they were not brought to me, including that she did not know where the place I was working was, despite the fact that this is a very small town and the place was just 3 blocks from her salon, on the same street. Since then, the business is closed and I can not locate the merchant.

I also sent certified letters to the merchant, which were returned, and contacted XXXX XXXX XXXX  ( they received no reply from the merchant ), and sent a friend to the place where I received the treatments ( the business is no longer there. ) During this time I have made every effort with CapitalOne to remove the two charges, but I have had no success. Each time I called, I had to rehash the same story to a different person. I received no services for the two charges which total {$2500.00}.