WillisBack/dataset-financial-user-claim huggingface dataset:
I received a message from Global Credit and Collection company who said it was attempting to collect a debt I owe. I called the number back who said it was a non working number for XXXX. This same company left a message on XXXX other phone numbers that have never been associated with any account I have. It was disclosed on answering machines/voicemail that they were attempting to collect a debt from me.
Tried to re-insert debt that has already been removed from my credit file. They simply are n't allowed to do this. Also, the details are wrong in the date of collection.
I called on XX/XX/17 to get a better clarification on how the company 's process for disputing collections on my credit report. I could n't get through soI had to leave my number for a call back. The rep that called back did not give her name, just the company she was calling from. I had to ask her name. I went on to ask about their process of disputing. She vaguely explained and sounded irritated. I explained that I emailed and did n't get too much help in that area neither. She never expressed empathy just asked if that was all I needed. I let her know that customer service was n't up to par and asked to speak with a supervisor. She said " there is no supervisor, bye " and she hung up the phone in my face. I called back to get a different rep ( operator ). I asked how I could file a complaint and the operator stated that she could take the complaint so I proceeded to explain what happened and there was complete silence and then I heard hold music. Two mins later the operator came back on the line and said we are going to just cancel your account and then she hung up the phone in my face. My account has now been cancelled by the company because I expressed my concern about poor customer service. This is not the way a company should perform especially if they are suppose to be in the business of helping.
On XX/XX/XXXX Stokes & Wolf PC sent me a letter to settle the Collection for {$2300.00}, which is the Original Amount. I had until XX/XX/XXXX to pay the Account in Full. The Account was paid in Full XX/XX/XXXX. I Received the Letter stating Paid in full. ***NOW***XXXX XXXX who had the Account, will not change the Balance to XXXX and Paid I Full. When I asked they said to Call Stokes and Wolf said I have the Letter and they should change the Balance to XXXX. Called XXXX XXXX XXXX and they said FLAT OUT NO.
I noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, XXXX send by XXXX with proof, attached ). Transunion listing is XXXX, XXXX XXXX XXXX, XXXX CLOUD, MN, XXXX Phone # : XXXX They have failed to validate over and over. This is not the first time I have reached out to the company. Since then XXXX and XXXX have removed the listing because of this but transunion has not. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the XXXX credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any  qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond
XX/XX/XXXX early in the morning lost my debit card issued by Bank of America. 
Woke up that morning with two separate XXXX dollar atm withdrawals at atms not owned by BofA near my home, and charges in XXXX Illinois at a gas station and XXXX XXXX Illinois at a XXXX for a total of around 1,300 in lost money. 

Immediately called Bank of America that morning and the card was inactivated with a new one sent to me. I received only a partial credit of {$300.00} on XX/XX/XXXX which was reversed on XX/XX/XXXX stating that no fraudulent activity had occurred. 

I immediately called my bank and then filed a police report at the local police station and submitted my police report. 
On XX/XX/XXXX Bank of America mailed me and once again denied my charges yet they were fraudulent. 

I have run out of ideas as Bank of America is clearly violating my rights under the electronic funds transfer act. I reported the claims well within 48 hours and am only liable for up to {$50.00}. They refuse to provide valid detailed information stating WHY my claims are not Fraudulent. I have filed a police report and am looking for all avenues to protect my rights and my personal property. 

I can provide more detail such as copy of police report and detailed claim number and amounts.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Account Number : XXXX XXXX  Account Name : I.Q. DATA INTERNATIO Date Opened : XX/XX/2016 Balance : XXXX
XX/XX/XXXX l received a package letter from the Bank of America (XXXX) stating the my Loan modification paperwork was not filed correctly and needed to be refiled and upon completion a check in the amount of $XXXX will be given to me after signing their new Loan Modification Agreement is signed. Countrywide Mortgage was my original Bank. XXXXcalls me every other day and this weekend a property appraiser from them dropped off another package of the same documents My addressXXXX FL. XXXX. XXXX. I have an appointment them XX/XX/2015. Should I cancel the appointment until l hear from you?
I received a text alert from the Bank of America stating that my  Visa card was temporary locked and asking me to call the number they provided. I did so and gave their automated line a lot of personal information. I then called Bank of America to q  uestion that text and they said the number was a fraudulent one. They told me to e-mail   XXXX  , which I did, they cancelled my card and will reissue me a new one.
I had an XXXX XXXX " True Earnings '' card offered through Costco. As part of the XXXX XXXX and Costco " Rewards '' program, I was sent XX/XX/XXXX a " Cash Back Rebate '' to be applied towards any future Costco purchases. I lost the rebate voucher. I called XXXX XX/XX/XXXX and was assured that they would credit this towards my bill. They did not. Account balances were transferred to new acquiring company CITI Visa. They did not receive any such notice of voucher and directed me back to XXXX. XXXX refuses to discuss this, stating that as of XXXX XXXX accounts were transferred to CITI. I called back CITI. Their records revealed although yes, XXXX approved per phone call with me to approve credit, later on a supervisor declined the transfer. 
I have since made several return calls to both XXXX and CITI and each company says it is the other company 's responsibility to address this issue.
I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. TRANSUNION 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX : 1XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7.XXXX XXXXXXXX 8. XXXX 9. XXXX XXXX XXXX
I sent certified mail to Experian requesting them to respond to my METHOD OF VERIFICATION FORM. I will attach a copy of the method of verification form. Experian did not verify any of the accounts I have disputed but sent me results saying either they " UPDATED, NEW INFORMATION '' well if there is new information who did you verbally talk to too get this new information? No documentation was mailed to me explaining who Experian contacted. XXXX is not the form of verification that I requested by law Experian has to honor my method of verification request and they have not done so. When you see the method of verification form you will see why I am filing this last complaint before seeking legal action. This is my LAST attempt to resolve these issues. XXXX XXXX do not even return calls so I know they was n't verified. XXXX and XXXX sent me fraud forms to fill out which I sent back already. XXXX and XXXX have not provided me with documentation with my signature on there as well so how is it that XXXX have all this new information?????? I have contacted an attorney who is on standby until this last attempt is done. method of verification per FCRA Section 611 ( a ) ( 7 ) is what I requested. I can also send a copy of my certified mail receipt if asked.
A XXXX XXXX credit card thats been on my report since XX/XX/2010 state limitation it should have came off I dispute it and they updated on a closed account.
Associate called multiple times in a row on the same day. X/XX/17 at XXXX XXXX, XXXX XXXX I called back and spoke to a gentleman at XXXX XXXX who refused to name himself and I had to ask 3 times for the company name before he would give it. He then demanded my SS # to which I denied and stated I would not do so without knowledge of what the call was about. Denied to offer. So I stated I wanted validation to which he grunted, really he grunted. 

I told him he must per FDCPA, he grunted again and hung up. 

I just received a letter demanding payment from EOS CCA post marked after the call date but the letter is dated 2 weeks before. I have tried to call the number back but it goes to a voice service now with no identification or message options. 

I again demand full validation of the debt all negative information from EOS removed from my credit report, all calls to stop until validation is sent and 30 days pass. I also demand fines to be placed on EOS and the collector on the phone for FDCPA violations.
I 'm in a fixed rate of 3.75 on a 15 yr. mortgage and my note has been XXXX and suddenly changed to XXXX without me agreeing to it. I contacted the mortgage company and have n't gotten a response and I received a escrow overage check but I never agreed to a increase in my monthly note. Account # XXXX Mid America Mortgage And my info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Tx XXXX XXXX my e-mail is XXXXXXXXXXXX Cell ph. # XXXX Hm. ph. # XXXX thanks.
On XXXX XXXX 2014 my wife and I applied to Ocwen Loan Servicing , LLC in regards to our home mortgage, to have our PMI removed. We met all XXXX required points : 1. current on our loan. 2. No late or missed payments in the preceding 12 months or 60 or more days late in the preceding 24 months. 3. Proof that our property had not declined in value since the loan origination [ Appraisal from a certified appraiser that met the minimum requirements on the Loan-To-Value threshold of 80 % or less ]. 4. Submitted written request. 
Ocwen subsequently, rejected our request, we feel, unfairly!
I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  )
XX/XX/XXXX-my husband and I took out a home equity loan with the then XXXX XXXX XXXX. XX/XX/XXXX-XXXX XXXX XXXX sold the loan to Beneficial, New Jersey ( XXXX XXXX XXXX ) and removed their lien from our deed. XX/XX/XXXX-we took out a new home equity loan with XXXX XXXX. XXXX paid the remaining balance to Beneficial. XX/XX/XXXX-we completed the payment of our loan with XXXX XXXX - XXXX  removed their lien on our deed XX/XX/XXXX-I found out that Beneficial is still listed on our deed with a lien. At that point I wrote to the now organization of HSBC-Beneficial XX/XX/XXXX-we received a letter from HSBC informing us that the problem is with XXXX. You will note that the letter I received was not signed by anyone. I went to our local bank to discuss the situation with them and was told that it is not XXXX, it is Beneficial ( HSBC ) that must remove the lien. So I started making phone calls, lots of them. I have faxed paperwork, I have mailed it and made several dozen phone calls to a variety of phone numbers. At one of the numbers I called, unless you know someone who works there a customer can not get beyond the answering system. Others just weren't answered or the system would answer and say " there has been an error '' and hang up. XX/XX/XXXX-I wrote yet another letter to the same address in XXXX XXXX, IL as before, in XX/XX/XXXX. I have not received a response as of today, XX/XX/XXXX. I am enclosing a copy of all the documentation I have for this as well as my letters.
When Navient bought my loans from XXXX XXXX, my interest rate more than doubled. They would n't work with me on monthly payments that had more than doubled when they took over my loans. I 've paid thousands in penalties and interest that I feel I should not have been forced to pay. 
My loans have been paid in full for almost a year. I still receive daily phone calls, multiple times a day, from their creditors threatening me unless I pay my balance. I have told them repeatedly that my loans were paid in full. They still call daily.
Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed.
I have FedLoan Servicing who has been nothing but problematic in regards to handling my loans. They do n't answer questions, they do n't respond to questions I submit via email, and their documentation is less than adequate in explaining anything. I do n't feel comfortable with them at all. Over the past month I 've submitted multiple times via email about a question I have and have asked over and over for someone to call me. Nobody ever does. I also am supposed to get help from a FedLoan Borrower Advocate who never responds to phone calls or emails. His name is XXXX XXXX and his phone number is XXXX. I have repeatedly asked him to call me and answer questions without any response. I am very unhappy with this company. I feel as though it is not legal for them to not respond to repeated requests for help. I want a new servicer or someone who will responds to my questions, emails, and phone calls who is reliable and knowledgabe. That is the very least that this company should do as a servicer to the federal governement and department of education.
I validated a check with the Bank of America Money Network. The check was validated according to the money network guidelines. 

Then again as per the directions on the Bank of America Money Network, I took the check to my local Bank of America Branch. Both the money network check and the account card are emblazoned with the Bank of America logos. The money network site also features prominently the Bank of America logo and uses the bank of america domain name. This website states clearly that branches will cash these  money network checks. 

However when I took the check to my local branch on this was not the case. After requiring a counter signature and fingerprint, the teller and then the assistant manager and manager all informed me that they would not cash the check since I did not have a Bank of America account. 

In my confusion, I called the number on the Bank of America Money Network card. While on the call with the agent I was informed that the Bank of America branch had voided my Bank of America Money Network check, The agent then told me that the funds frozen for the check that was now void would be kept frozen for 10 days. Thereby freezing access to my funds as a direct result of their fraudulent claims. They still have not returned the funds to my account.
I had 2 checking accounts open with US Bank XXXX, IL branch in the XXXX store. After time, the accounts were charged fees for being open ( without knowledge ) but they did notify me through mail unnoticed by me. The real issue is they opened lines of credit without my permission and transferred the monthly fees to the lines of credit. As soon as I noticed ( months later ), I talked to the branch manager and told him I wanted to close my accounts. He told me he was removing the monthly fees off my account. I agreed to pay fifty something dollars to clear the lines of credit because he said he couldn't take it all off. Months later the lines of credit had balances again. I went in to see the branch manager about 8 times to resolve the issue, called numerous times to numberous departments in us bank. Most of the customer service departments were sympathetic but said they couldn't help, but that the branch manager could help. The branch manager said that was not accurate and he had no knowledge of any way he could remove it. At one point he said I could pay a hundred something dollars to clear off and provide me with a written document stating payment in full but could not verify if it was for both accounts. The amount currently being reported each month as charged off is XXXX and XXXX. I have requested records to show I signed up for the line of credit or for some sort of overdraft I personally did and twice they have only showed me records showing the fees. I have paid all my other debts, including more than {$10000.00} in credit card debt to us bank. The negative credit is impacting me more than {$370.00} worth, but I find it too offensive to pay when it's all a fraud and poor customer service on their part.
This account is listed twice on my profile XXXX XXXX This account has been paid and the incorrect information is listed on profile and no data has been sent to support this debt. I request this be removed ASAP. Here is the second account XXXX XXXX. Also, it has been over 60 days requesting this removal. 

Thank you
This is a different account for Panhandle PANHANDLE PLAINS HAS REPORTED MY ACCOUNT TO XXXX   LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/2015 AND THIS INFO IS NOT CORRECT.
I received a voicemail informing me that my XXXX 's MasterCard was flagged for fraud, and that there may be a hold on my account. I was instructed to call XXXX XXXX XXXX, the same number that left the voicemail. Upon calling, an automated message prompted me to enter my credit card number. I was immediately suspicious, as I do not hand over personal information to a phone number that I did not obtain through a legitimate website and/or company. Instead of entering my credit card number, I repeatedly pressed XXXX and *, as most automated messages will direct you to a human representative when this occurs. The automated message responded that my card number was not valid, and to try again. This process repeated XXXX times until the automated message informed me to call back with my credit card details readily available and I was disconnected. At this point, I contacted Barclay cardmember services using the telephone number provided on the back of my credit card. Upon reaching a representative, I was informed that no fraud had been associated with my account and there were no holds. I was also told that they have been receiving calls from members and nonmembers regarding similar situations. Clearly, the original message I received originated from a phishing attempt.
I have sent several certified letters to Focused Recovery Solutions Inc stating I am disputing the current debt the company had been reporting to all three credit bureaus, I have asked for proof of a signature bearing my name. I was told they will not respond to any further letter or correspondence.
I disputed a transaction and provided complete back-up, and the Money Network Institution overturned it with no proof, other than the word of the merchant. I sent in all the information I had to prove it should be granted. They also refused to provide me with a copy of what the merchant provided to them to determine their decision. This made my account overdrawn, and they are unwilling to do anything about it. I made a flight+car reservation with XXXX on XX/XX/2016, according to the cancellation terms, I could cancel within two days of departure. I cancelled on XX/XX/2016, completely within the time frame, the merchant rep I spoke advised me there would be no penalty, but they would credit my card so I called Money Network to dispute my transaction, they said that the merchant provided them proof it was a non-refundable flight. I sent them copy of my reservation that did not show in any way it was non-refundable, I am including a copy, XXXX issued a credit for travel, which I do n't understand since it is " non-refundable ''. I formally asked for the copy of what they provided and was refused. They illegally withdrew the funds based on false information provided by the merchant, and will do nothing to resolve it. My account is now overdrawn by {$260.00}, minus the few deposits made to the account the new balance as of today is $ XXXX. I would like to make a formal complaint for the lack of due diligence and misrepresentation that a complete and thorough investigation would be made.I disputed the transaction the same day I cancelled on XX/XX/2016. There was no lapse in time from when I cancelled the reservation to when I disputed the charge. Clearly they do not care about the customers or the security of their hard earned money.
I have called and talked to the company I am seeking asking for a detailed statement for the past 3 months of the account before it went into collection so that I can verify how a XXXX credit limit credit card became {$1100.00} the agency has refused to go back 3 months or take a settlement offer of XXXX and the least they would go is XXXX. I would like detailed statements of how fees or interest were accrued and verify last purchases before collection