WillisBack/dataset-financial-user-claim huggingface dataset:
Enclosed is a report dated XXXX of XXXX. In this report, concerning XXXX of XXXX credit card XXXX ... .. there are several issues. If I am incorrect please provide me with a copy of the law stating so, however I do not believe I am incorrect and after this complaint, if not fixed I will obtain legal council and attempt to recapture every dollar spend in interest that I should not have had to pay due to higher than necessary interest rates. 
Issues:1 ) You are stating that I am {$2000.00} past due as of XXXX XXXX. This account was written off in XXXX of XXXX at which time I paid my tax penalty on the amount and the account is done. I was past due that amount back at that point ( again XXXX ) but not currently. I agree that the statement preceding that is correct, " Account charged off, {$10000.00}, written off. '' but not that I am CURRENTLY past due. 
2 ) On page XXXX, you have me listed at " CO '' in XXXX of XXXX, then XXXX of XXXX. That is making me look as though I am a severe repeat offender. If the account was written off in XXXX then it was not written off in XXXX. If it was in both time please provide proof because my understanding is that the bank can not write the account off XXXX and get XXXX the tax benefit. If that have done so that I believe it is a burden on Experian to report XXXX XXXX XXXX to the IRS for tax fraud. 
3 ) You are listing as actions taken to being 'CO ' in XXXX of XXXX, then in XXXX and XXXX of XXXX, again in each month of XXXX, then I have no charge offs in XXXX and XXXX but every other month in XXXX. That accumulates to a total of 19 months that XXXX XXXX XXXX has charge my account off. Again that is making me look as though I am a severe repeat offender. XXXX account got charged off, at one time and I paid the price. Please reflect that in my report. 

I will continue to pursue these correction until they are either corrected or you can show me the actual law stating that you can XXXX me XXXX times on XXXX issue. However, my next complaint with actually come from both an attorney and other agencies such as the Texas XXXX Attorney General 's office.
I was told my mortgage company participated in the deed in leui program with relocation assistance. I have been trying to get this since XX/XX/XXXX, SPS has been playing games making me get the same documents 12 times, reapply 3 times, then denied me outright. I am getting the run around for 4 months. I filed bankruptcy and can not afford to keep this home., I was told in XX/XX/XXXX it would take 45 days to get this help. In XX/XX/XXXX I started looking for a new place to live, SPS is still playing games. we are now out of our home, and broke. We are trying to do the right thing, we qualified for this relocation assistance and we are getting jerked and from what I am seeing online many people have gone through similar with SPS. I feel they are getting government funds for " pretending '' to participate in this program. PLease help us!!
XX/XX/2016 {$1200.00} i spoke with the fraud department, no results or response
I recently went to XXXX XXXX Puerto Rico on buisness and while there my phone was stolen. This was 4 weeks ago. When I returned home I immediately went to my branch bank ( Wells Fargo ) in XXXX, NC. to see if there was anything I needed to do to protect my bank accounts as I had been doing online bank business with my phone ( paying bills, transferring money between accounts ). The banker I meant with wanted me to change my PIN I used to access my accounts at ATMs. I did that. Then a few days later on line I seen unathurthorized transactions being charged against my accounts. I immediately went back to bank and told them about the problem. At that time they had me change my sign on name and password for online banking. This did not stop the transactions so I went back to bank with my wife and meant with a banker a 3rd time bringing with us transaction records I had printed from my on line bank records. The banker then called their fraud reporting people to go over some, not all transactions that I did not authorize. The girl never mentioned closing any accounts. As of now there is still unauthorized transactions occurring on my accounts and the bank has over {$10000.00} dollors of my money tied up that I can't access as they have froze all my cards and denied me access online at the same time charging me over {$1000.00} dollors in overdraft fees, interest on credit accounts and transaction fees for things I have had nothing to do with. The following day I went to get the money out that I could the intentions being to open another account with another bank. While standing in line waiting on a teller the branch manager confronted me saying I should have closed that account. This never given to me as an options in any of my previous meeting. I did not close the account at that time because I had my soc security scheduled to deposit in the next couple days. As of today I haven't been back to bank to see if my soc security has been deposited yet. I intend to do this asap with the intentions of withdrawing that money. Is there anything you guys can do to help me recover my lost funds and get reimbursed for for fees I should not have to pay..Thankyou
There is a Bankruptcy on my credit that is not mine. It is not mine. It is my ex-husband
For the record XXXX XXXX!! I am not Mr . XXXX!! The statement you sent me with a balance and a hospital name IS NOT VALIDATING A DEBT! HOW YOU ARE A LEGAL COMPLIANCE ADMIN AND DONT KNOW THIS??? You did not send me an itemized bill and an itemized bill is NOT A VALIDATION! This debt does not belong to me and needs to be removed! Commonwealth HAS NO VALIDATION that it does! I have a RIGHT to force this debt collector to prove sufficient validation that I owe this debt. Debt validation is MY federal right granted under the Fair Debt Collection Practices Act. If a debt collector can not verify a debt with sufficient proof they can not collect from me and can not list the debt on my credit report. I have attached what commonwealth has sent to me THIS IS PROOF COMMONWEALTH CAN NOT VALIDATE THIS DEBT, AND IT NEEDS TO BE REMOVED! Or I will take the next step to seek payment for damages and them violating the Fair Debt Collection Practices Act. I am not and will not pay this debt! AND ITEMIZED BILL IS NOT VALIDATION. WHERE IS MY SIGNATURE? ANYONE CAN TYPE UP A DEBT AND ADD A NAME AND BALANCE. Remove this from my credit as it should, or send REAL VALIDATION! I HAVE RECORD THAT YOU REPORTED THIS ON MY REPORT XX/XX/2019 I FILLED A COMPLAINT HERE XX/XX/2019 LISTING AN ADDRESS IT WAS NOT UNTIL THEN YOU SENT A LETTER, YOU SHOULD HAVE SENT THE LETTER PRIOR TO ADDING TO MY REPROT, HARASSING ME AND XXXX UP MY CREDIT FOR UNDER {$100.00} FOR SOME XXXX XXXX THAT'S NOT MINE! I WILL SEE YOU IN COURT! WHATS ATTACHED IS NOT VALIDATION!
I bank with Discover Card. On XX/XX/XXXX I submitted 1 extra payment resulting in 2 payments of {$400.00} instead of my one usual payment of {$400.00} I make to them. This resulted in imense Financial strain, since I only wanted to pay them once. I contacted the company on XX/XX/XXXX requesting a refund of one of my payments of {$400.00}. I was told I have 7 to 9 business days before the money would return to me. It's now been over 14 business days with no transfer back from the company. I have spent Collective hours on the phone with them and even their Supervisor was not able to insure an answer over the phone and had to hang up with me at that time. this case has been escalated and I've repeatedly attempted to find out where exactly the money is coming back from but no one has given me an answer. it's caused a ton of financial strain and is put me further in debt now because of this. this is not been handled professionally and my money is still missing. Please help any way you can I feel they are ignoring and neglecting my request.
XXXX XXXX broke our contract themselves by trying to rip me off and way overcharging me, forcing me to leave them and go with XXXX ( which is better any way ). I do n't owe them anything. If anyone owes anyone, they owe me the cost of having to purchase a phone though XXXX.
I have been disputing erroneous items on my credit report with this credit bureau and they have not done a good job with investigating these errors. Also, Ive been working with a credit repair agency ( for over 6months ) to repair my credit. I have been following all the recommendations and the credit bureau has been decreasing my credit score.  Ive tried to file complaints ( XXXX ) with the credit bureau about my concerns and no one has helped. This credit bureau is hurting my chances for applying for loans to help with debt consolidation so I can provide for my children. I am crying out for help with this situation.
My identity information was used to create a credit account with XXXX XXXX XXXX through Synchrony Bank. Sometime in XXXX XXXX. From talking with Syncrhrony Bank they are going to submit forms for me to complete to remove this from my credit history. However, I am filing this information as a back up to assure Syncrhony Bank follows through.
I called XXXX XXXX XXXX XXXX, XXXX XXXX, Insurance representative, XXXX for an insurance quote. He said lets see if the cost of the policy goes down if you insure a vehicle with us and put auto insurance in the system. The insurance I was getting a quote for was my employer. The vehicle XXXX XXXX put in the system was already insured and belong to the business. I was not looking for auto insurance. XXXX did not go with this quote and forgot to cancle the make believe auto policy. I called him and his manager and asked them to stop sending policy payment request. They both said they would handle it.
I received in the mail a letter from equifax stating that information on my credit report has been updated. Everything that I could see was accurate EXCEPT my social security number is wrong. When I called equifax, I spoke to a representative by the name of XXXX who said that my information was given to them by a bank but could not or would not disclose the name of so called bank so I could call this bank and have them fix the information. All 3 banks Ive had in the past 3 years all have my correct social security number. When I asked him to update it he said he could not update it without me faxing a copy of my ID & social security card which I told him I didnt feel comfortable doing. He said he was stationed in the XXXX which made me uncomfortable to be faxing over my personal information as a citizen of the United States and someone over seas is handling my credit?! I then asked to be transferred to his supervisor to resolve the matter which I was placed on hold for upwards of 20 minutes which I then hung up. I want equifax to report my valid social security number and to give me the name of the bank who supposably gave them this incorrect information so I can straighten this out. I have not been able to access my free yearly credit report due to this inconvenience!!
About 3 weeks ago i posted an art piece i painted on the app offer up. I was asking {$350.00}. I received a message from a buyer saying they wanted to buy the item. We then started emailing back and forth. Via XXXX he sent me a check for the amount of {$1500.00}. Clearly i though it was a mistake but no, the buyer instructed me to deduct XXXX for my cost + XXXX for running around for this transaction XXXX for holding the item. i then went to my bank to deposit the check via drive through bank teller. {$300.00} was available right away so i waited for the following day for the full amount of the check to post. When the next day came i seen that i had the full amount of the check available in my account, i believed that meant the check had cleared ... this is where i be leave I 'm not fully responsible for my bank to charge me. The buyer instructed me to send via XXXX a money transfer to the mover who was to pick up the item. So i went to XXXX and did so using my debit card i made a transfer of {$1000.00} ... i thought this guy must be way out of state. I do have receipts and all documentation of this transaction. So i thought all was well, i waited for the movers to come for the item but they never did.., the buyer then contacted me saying the movers wanted more money to pick up the item because of other pickups they had already done for him so he said he will send me another check and to do the same thing. I then became suspicious ... the following morning i seen i had a negative balance on my bank account. Of over XXXX dollars ... this is when my walls caved in ... i could n't believe it ... the bank told me it was a fraudulent check ... right away i went to my local bank to explain the situation but they said it was my fault and I 'm responsible for that charge ... there was nothing they can do ... i do n't have XXXX dollars lying around ... ... i do n't understand how i was able to make a XXXX dollar transfer using my debit card if the bank had not yet cleared the check ... or why would the full amount of the check show posted on my available balance if it really was n't ... of course at this point the buyer stopped responding to me ... but he still had the audacity to send me XXXX more checks ... i feel the bank is at least XXXX percent at fault ... The only reason why i made the transfer was because i saw the full amount of the check available the day after i deposited ... to me that meant the check was cleared and that 's why i was able to make the money transfer. So now my bank is charging me the full amount ... looking back i wish i would have not given any type of trust to this buyer, i was just so happy i had sold my first art piece. I want to get this resolve and i am working with my bank on a payment plan to resolve this issue. I still think it 's unfair and would like the bank to take some kind of consideration that i was a victim of a mess up scam and not treat me like if I 'm a criminal ...
I have a student loan with Younomics serviced by University Accounting Services ( UAS ). XX/XX/XXXX, I entered into an agreement with them to reduce my monthly payment to $ XXXX/month. Since then, 1 ) the bill I receive from UAS every month says that my " total payment due '' is {$300.00} '', XXXX ) When I log in to pay my bill in the UAS ' website, my amount due is {$300.00}, 3 ) I have made a {$300.00} payment every month since then, including my XX/XX/XXXX bill. However, I saw in my credit report that Younomics/UAS made an adverse credit report on XX/XX/XXXX stating that my account was 30 days late. Younomics/UAS has not sent a single correspondence to me telling me that I have a past due and why I have a past due after making the " total payment due '' written on the bill and listed on the UAS 's website as I pay my bill. This is not the first time that Younomics/UAS has made an adverse credit report on my account when they have failed to send me a bill that clearly reflects what I must pay for my account to be current. The billing ( and other communication or lack thereof ) is simply incomprehensible. It appears that the " total payment due '' is not really the " total payment due '' and that I must somehow find ways to ascertain the amount I must actually pay or anxiously wait for my credit report to see if the " total payment due '' was in fact the " total payment due '' or whether there was something hidden behind the " total payment due '' that I failed to guess and must now suffer the adverse credit report consequences. I do not understand why I should be penalized for making a timely payment of the " total payment due '' and all I am asking of Younomics/UAS is to first rectify this adverse reporting that I believe to be unjustified and to send me a monthly bill with a " total payment due '' that is in fact a " total payment due ''
Never received any information or documents stating that i owe the debt.They did not contact me by phone at all. I checked my credit report and i was confused about this item that was reporting on my report. This is a violation of my rights, and i will take to them to court if i have to. I am all ready talking to a lawyer and if they dont reply we are going to move forward, because they have no proof that they tried to reach me by phone because they dont have my number. Because their is no way i owe a doctor bill because i have always had insurance when going to the Doctor so i know i never had a doctor bill that went to collections and its says XX/XX/2013 and why would they try and put it on my credit report now. When they dont have my address. So we know by that they never tried to contact me.
I co-signed for a loan on a used car with the auto loaner Santander. The head of the account became defaulted on the loan against my knowledge. I never received any correspondence from Santander regarding this unpaid car payment. The car was later repossessed and I did not receive any notices regarding reinstating the loan or the sale of the vehicle. No notice of default, no notice of redemption/reinstatement, no notice of sale and to this day, still no notices of post-sale deficiency. Had I known anything about this going on with the account I could 've tried to avoid the repossession all together. Now this deficiency is on my credit report. I still have not received any written correspondence from Santander. Pulling my credit report is the only proof I have of the deficiency. Because of Santander 's failure to contact me, I am now being held liable for the deficiency at no fault of mine because I was not aware of the defaulted loan, the repossession or the sale of the vehicle. I am pretty sure Santander will try to come up with something to fight my complaint. I would like for them to please provide a signed copy of the initial contract, copies of the legal notices sent out regarding this account and proof of the resale of the subject vehicle.
Cavalry Portfolio Issues XX/XX/2018 On the evening of XX/XX/2018 I called Cavalry Portfolio Services ( XXXX ) XXXX to verify that my defaulted XXXX XXXX account placed with them for collection was paid off in a negotiated settlement. The balance due was around {$900.00} and we agreed to a settlement of {$600.00}. 

Here is the conversation that occurred during the call : I told the Representative that I was still getting letters saying that the bill isnt settled. During the phone conversation the Representative said they didnt have any records of the bill being settled. The Representative than added that the only thing he can see is that a payment was returned for {$94.00} because of NSF. I asked for details about that payment, but he couldnt provide any details. I than ask how is it possible for a collection agency not have any records of our settlement agreement, payments received, but just a returned payment of {$94.00} for NSF, but no details on what the payment was for? His response was that if I wanted any information about the account I need to call XXXX XXXX XXXX ( XXXX ) XXXX. 

The following telephone conversation took place with XXXX XXXX XXXX : Their representative XXXX XXXX stated my balance was {$410.00} and they were willing to settle for {$280.00}. I asked if there were any records of any past agreements or payments in my file? Ms. XXXX sad, there wasnt anything. I than ask could I pay {$94.00} to settle the account? She stated, let me consult with my Supervisor. She came back with a counter offer of {$240.00}. I told her that the most I would pay is {$94.00}, but I know I dont owe anything. At this point her Supervisor XXXX XXXX took over the conversation. 

I asked Mr. XXXX can he see any settlement offers or payments in my file? He asked me how did I get their number? I told him the Representative from Cavalry Portfolio Services. I told him that I had reached a settlement offer with Cavalry Portfolio Service for {$600.00}. He again stated, there wasnt anything in the records.
I discovered a negative account for XXXX, for nearly XXXX in rent on my credit report as of XXXX. I contacted XXXX once I saw a negative account in my credit report. They responded that they had no lease for me for XXXX. I contacted National credit System immediately and asked to look into it., in XXXX/XXXX/XXXX. I have not had a response so far. Until this is resolved no one will rent to me and my children. I get to sleep in a car. I definitely feel a negative impact for this fraudulent account
had late payment for capital one auto loan reported to credit bureau post la flood by capital one. my house flooded and was displaced. Per the federal disaster area, should not have been reported to credit bureau for time frame. asked to have it deleted, capital one would not.
The company involved ( Navient ) has repeatedly called, my work phone, home phone and cell phone regarding a private student loan that I may have co-signed for, however the private student loans have reached the Michigan statute of limitations. The loan periods originated in XXXX through XXXX and have been accruing interest and is now over {$100000.00}. They are reporting these on my credit report which is damaging my credit score. They have threatened to report the loans in default and attempt further collection actions on these old debts. I have never had any communication directly with this creditor. Additionally, the primary borrower and myself has previously filed for bankruptcy protection and as we understand, these debts should have been closed and removed from record.
I had a phone lease through the cell phone carrier  XXXX . The phone was returned to the store, but  XXXX  did not account for the phone.   As of now I am receiving collection notifications for the phone i rightfully returned.
On XXXX around XXXX XXXX CST I spoke to XXXX a supervisor in Chase Disputers who stated the following charges were valid because I stayed at the hotel. For them not to be valid I need to have canceled the stay. 

XX/XX/18 XXXX XXXX  XXXX XX/XX/18 XXXX XXXX  XXXX I provided the original invoice from the merchant which clearly shows a credit in the amount of {$100.00} should have been received. Instead I was charged {$100.00} Additionally, I highlighted the items I was charged in error for, including the mini bar and minibar tax fees. Upon check-in I had the hotel remove all items from the mini bar to prevent these charges. I was also charged for breakfast which is an included amenity for XXXX XXXX XXXX XXXX XXXX. To substantiate this claim I also included a copy of the printed member benefits from XXXX 's website. I even provided the exact chargeback reason code of XXXX Misrepresentation, which she stated in order for it to be valid I would have had to have canceled the breakfast despite the merchant verifying it was included and would not be charged. When I asked for her name and id number to identify her she refused to provide any identifying information stating they were not required to do so and they were not required to process the dispute as requested in writing.
This is from years ago, when I really need the money. It was only about XXXX dollars. Now they want to settle with over XXXX dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.
My Bank of America checking account which I 've had for over 15 years started charging me a $ XXXX/month service fee in XXXX of XXXX which I did n't notice until XXXX XXXX. I had never been charged a service fee before, so I did n't notice the fee until XXXX XXXX. I did n't see any notice that this account, which I had for over 15 years, was going to start charging me a monthly fee. This is a ridiculous fee when the interest returned on checking and savings accounts is almost nil today.
A Federal Government card should not show on my Credit Report ( s ). I handled this with Citi when it first happened and now this is reporting on all three bureaus and late on XXXX. The bureau even wrote a letter which I am attaching. 

Account XXXX