WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, XXXX, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
I no longer need my lease vehicle from US Bank and besides the fact that I have already found a person to transfer the lease to, I 'm having the hardest time to get the necessary paperwork from them to complete the process. They 've told me they would be sending the paperwork by mail or fax but weeks have passed and never received anything. At this point I just assume that they want to discourage me on doing this, and in fact they probably prefer that I terminate the lease so they can hit me with absurd fees as they commonly do with so many other costumers in the same situation. I 'll never use this institution or any dealer that offers their service again.
On XX/XX/XXXX I pulled a hard copy of my credit report and noticed a negative account that I had never seen before. 

That same day XX/XX/2018 I reached out to the company via certified mail and asked them to validate the alleged debt. 

It has been well over 30 days and I have yet to receive a response.
I just moved to XXXX and joined as a roommate in an apartment. The existing person was moving out of the city, so I took over the flat. He asked me if I would like to take over the existing the XXXX internet account. I just said him to please check for the information about transferring the account. The next day he told me that he was able to talk to the customer care and the account was transferred smoothly. Same day in the evening I got notification in the XXXX XXXX that there was a hard inquiry from XXXX. The next day I got one more hard inquiry from them. I called and asked them, how they can run a hard check with out my consent and from where did they obtain the SSN? They did n't answered properly. I asked them to immediately disconnect the services ( as they are not fair to me ) and remove the hard checks. They said it will be removed in a week, but till now the issue is not solved! Every time I call and explain the problem, they simply push me to other departments and I end up wasting my whole day on this. Finally I called the XXXX XXXX integrity department and after a long complaint, they suggested me to write a letter with all the details and gave me an address and a fax number. When ever I am trying to fax them all I get is " No Answer ''. - XXXX is not having any integrity - They do not care to step out and solve an issue - If they do n't know, they simply push to other department and wash their hands - In my case, they are not supposed to process the request with out talking to me - They can not access my SSN and do a hard check without my consent - When I called them and reported them the issue, they had the opportunity to correct their procedure and system - They are simply running away from their responsibilities - When you can not protect the confidentiality of an individual, do n't take their SSN and do hard checks Please find the attachment of the account confirmation email from XXXX and the XXXX report of hard inquiries.
I filed a Claim with Wells Fargo for paying for a product via ACH that I have not rec 'd to date as the Merchant refused to refund my money/problem solve to resolve the issue as USPS admitted they messed up and forwarded my package to another address because the Postman did not perform his due diligence to making sure I was the resident and not the prior residence at the address. 
Wells Fargo Claims Dept did NOT call me to discuss the matter and they denied my claim saying the transaction was valid and did not research to see I was not filing the claim for fraud but because I paid {$86.00} for a product I do not have. 
I have been bounced around for over an hour between XXXX-XXXX Wells Fargo Representatives who are not even taking the time to understand the issue.
I have a checking account with XXXX XXXX XXXX XXXX. Most of the transactions with this bank are done online, that 's the main reason I use it. On XX/XX/XXXX I  needed {$3700.00} from my checking account immediately, I could not wait for the regular process to take place. 

I called their customer service to see what my options were. I was informed that since the daily withdrawal limit was {$1000.00}, my best option was to go to the XXXX XXXX XXXX in XXXX XXXX here in XXXX CA. The person who helped me over the phone told me that once in the cafe, an associate from the bank could call them so they could raise the withdrawal limit while at the branch ; that way I could get my money from their ATM without any issues. 

I drove to the cafe, and XXXX XXXX an ambassador from the cafe ( he works for Capital One ), helped me. He called the bank and did what he was supposed to do, then after confirming my identity they raised the limit to withdrawal my {$3700.00}. While still on hold with the bank, and XXXX next to me at the ATM I went ahead and did the request to withdrawal my {$3700.00}. After a few minutes ( longer than usual for an ATM ), and a lot of noise, the ATM said it could n't give me the money because it did n't have enough money. 

I read the message, and XXXX read the message. I went ahead and try to get my money at the other ATM next to me, to our surprise the ATM said I did n't have enough funds, the money was withdrawn on the previous transaction, even though I did n't get any money from the previos transaction. 

The representative from the bank was still on hold and XXXX explained to her what just had happened. After several minutes she transfer the phone call to a different department, claims department I believe. I spent almost an hour on the phone with this person, and the only solution I was given was to wait up to 10 business days ( until  XX/XX/XXXX!!! ), while they conduct an investigation. 

I was really outraged, I did n't do anything wrong, I did exactly what the bank told me to do. Something that should have take less than five minutes is taking 4 days so far. I still do n't have my {$3700.00}, I reached out to Capital One via XXXX and again I got the same response, 10 business days. After some complaining on XXXX I got the time down to 3 to 5 business days. 

This is unacceptable, that money is mine. How I 'm I suppose to pay my bills, the only reason I drove to that branch was to get my money immediately. What if that money is to pay for a medical bill? Or to pay for my rent? car payment? What would happen if my account was overdrawn for 10 business days, how much would I have to pay in fees too the bank? 

Regardless of the use I give to MY money, it is the year XX/XX/XXXX not XX/XX/XXXX. Why something so simple ca n't be fix by the bank, when there is even a witness from the own bank who saw I was n't given any money.
I am receiving phone calls from several different debt collectors and a mediation service alleging that I have a debt with a payday loan company.
EQUIFAX HAD AGREED TO SHOW A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX AS CLOSED WITH A XXXX BALANCE AFTER INVESTIGATING MY FORMER COMPLAINT ON XX/XX/XXXX THROUGH EQUIFAX THEMSELVES AND CFPB. THIS ACCOUNT HAS REPOPULATED AND IS SHOWING A BALANCE OF XXXX DOLLARS. IT WILL BE SEVEN YEARS SINCE THIS ACCOUNT HAS BEEN PUBLICIZED ON XX/XX/XXXX. I REQUEST THAT THIS ACCOUNT SHOW A XXXX BALANCE UNTIL THEN AND REMOVED FROM MY CREDIT REPORT WHEN DEEMED APPROPRIATE - XX/XX/XXXX.
XXXX   XXXX    XXXX   i noticed that Enhanced Recovery once again placed a debt on my credit profile that i dont owe.This company has not provided proof that im the owner of this debt, I asked this company to provide proof that they are licensed to collect debt in Louisiana, they did not. This is clearly a violation of the " Fair Credit Reporting Act ''. Please be advised that I am keeping documented proof of all contact with '' Enhanced Recovery Corporation ".
I was co-signing a car for my son, I was told that my credit wasn't going to be run more than once. I asked them to send the loan application to XXXX XXXX. I specifically asked that my credit not be ran because it was result in hard inquiries on my account lowering my credit score. The people at XXXX XXXX assured me this would not be the case. But the following day I saw on my XXXX XXXX report 5 new inquiries from they used to run my credit. I'm upset because I requested this not to happen and now I have tried to file a dispute with equifax and XXXX. But I am unable to proceed.
I wrote this agency XX/XX/XXXX with complaints against Ocwen Loan Servicing. They responded at that time with assistance. Since that time their costumer service toward me and my family has decreased significantly. Today XX/XX/XXXX I checked my credit report and found my credit score has decreased XXXX points in the ast month due to reporting of Ocwen. At this time I am requesting they cease faulty reporting of payments. I contacted them XX/XX/XXXX to request a change in the payment date of the loan but they refused. Ocwen has continued to provide poor servicing of this loan since they received in in the bankruptcy of GMAC. It is unfair to have your credit screwed up by these incompetent individuals.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via CMRRR # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on XXXX 6. Credit Limit is {$0.00} on XXXX 7. Date of Last Payment is incorrect on XXXX  8. Account Status on Equifax is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : XXXX  dispute - XX/XX/XXXX, XXXX Dispute - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
For months I have written One Advantage collection company, requesting a validation on debts they have issues on my credit report. They have issues a total of XXXX accounts ( # 's XXXX,XXXX, and XXXX.Please have this company validate these account and inform me of their finding.
I had a mortgage originally with XXXX XXXX without a escrow account. The mortgage was purchased in XXXX by PNC and in XXXX my wife sent a check to XXXX XXXX to pay property taxes and XXXX PNC stated the taxes were not paid and the county did not receive the payment. I reimbursed PNC in XXXX XXXX and called the XXXX XXXX XXXX office to no prevail. Everything was fine until XXXX XXXX, PNC stated I had an Escrow account which I never had and if I did I questioned a PNC representative why did you refund me the Escrow check in XXXX of XXXX. I continued to make my regular payments never late and they placed me into pre foreclosure. I have an attorney working on the foreclosure and filed a complaint with Illinois Attorney General office as well. They continue to take my money sometimes they refund the payments which they stopped payment on when I deposited the check into my bank account and report this late on my credit. I am in the progress of selling the home and need your assistance to get this resolved. 

I am also part of the class action lawsuit with XXXX XXXX XXXX/ PNC Mortgage on discrimination which was handled by your organization.
I just recently got the auto title loan due to rising medical bills. I was in this hospital for over 2 months, I 'm in XXXX, XXXX XXXX and have medical appts and tests that may XXXX XXXX XXXX XXXX due to being 7 days late on paying the payment. While at the grocery store with my son ( XXXX XXXX2017 ) we walked out and my car was gone. They simply told me oh I 'm sorry you should of called us but now you have to pay this fee and that fee which total to almost {$2000.00}. I told them its kind of hard to call when your in XXXX and cant talk because you have XXXX coming out your neck. They had 3 wrong numbers listed as my number when a gentleman called me on my cell confirming payment for the month prior. Thenthe following day they called me again to find out my payment status and I told them once again that I have my medical devices, medical papers and my social security forms in my car and my son and i walked home ( 4miles ) crying with groceries in our hands and it was 32 degrees outside the male told me well you can pay the repossession company to get your belongings back and the letter of intentions was already mailed out to you so are you going to pay the amount due which doubled over night. Im on a fixed income and now do n't have transportation period. But I will get my car back and will make sure these rude, uncaring and hostile employees keep getting in trouble for their deception ways
I believe my credit card was used fraudulently. I do n't understand how the card was used since it did not leave the cardholder 's possession. The card company did not provide copies of every charge. Dates and times of many charges could not have been made by the card holder. XXXX or more copies of receipts clearly show a signature that is not of the card holder. I believe the pattern of charges are consistent with obvious fraud. At no time did the card company contact me and question or ask about the charges. The charges exceeded the indicated credit limit and the card company allowed them anyway by just raising the limit. No explanation as to why the charges valid have been given. The card company response is just " ... determined that the transactions were valid ''. There has been no response with any substance to my letters or questions.
I opened a new checking account on XX/XX/XXXX under a {$200.00} promotional offer using the following link, https : //commercebank.com/XXXX, and used offer code " XXXX ''. I deposited {$100.00} into the account which posted on XX/XX/XXXX and then maintained a greater-than- {$100.00} balance in the account the entire time I 've held it ( transaction history attached ). Per the terms of the offer ( attached ), I should have received the {$200.00} promotional incentive after 90 days. Today, XX/XX/XXXX, marks 139 days since I opened the account and I have not received the promotion. I have contacted Commerce Bank through their Secure Message portal twice ( documents attached ) regarding this promotion ; first on XX/XX/XXXX being told that I should receive the {$200.00} in mid-XX/XX/XXXX and the second time on XX/XX/XXXX was told I would have received the bonus 90 days after account opening if the requirements were met. I called their Customer Service number, XXXX, on XX/XX/XXXX and was told I needed to maintain a balance of {$5000.00} in the account to earn the promotion, which is not consistent with the terms. After requesting to speak with a supervisor, the agent was unable to locate one and believed all had left for the holiday weekend. The representative then transferred me to their nearest branch to me so I could speak with the local bank manager, however, he had gone home for the weekend as well. I spoke with a local banker who submitted a form on my behalf to look into the issue. After following up on XX/XX/XXXX,  I finally received a call back today, XX/XX/XXXX, and was told that because I did n't deposit {$100.00} at account opening, I was n't eligible. This is not clear from the terms, which states, " Minimum balance requirement of {$100.00} in CommerceRelationship Checking to receive the {$200.00} bonus. '' With the posting of my opening deposit of {$100.00}, I have maintained a minimum balance of > {$100.00} for the entire time the account has been opened in accordance with the terms.
On XX/XX/18 while at XXXX, I was told I could save {$50.00} on my purchase by applying for credit car. So I did. A few minutes later, I was told I was declined. I didn't think much about it because I know my credit is good. But yesterday I received a letter from XXXX XXXX, Creditor dated XX/XX/18 that I was denied by Experian because I am " deceased ''. I attempted to call Experian this morning and speak with someone which is impossible. Then I attempted to contact them on-line and they are requesting that I send them numerous documents to prove I'm alive. 
My question is : Why shouldn't Experian be required to provide documents to me proving I am dead?!!
XXXX XXXX XXXX took out a reverse mortgage for me. Soon after, I started realizing something was wrong. I was paying property taxes and insurance on my house this entire time, since the end of XX/XX/XXXX/beginning of XXXX. I was then receiving notices of nonpayment from Champion Mortgage even though I have receipts of payment from the city. I sent in some handwritten complaint letters to Champion Mortgage, who had taken over my reverse mortgage, requesting information about transactions they had done. I also sent notarized letters to the CEO of Champion Mortgage. He stated, " I just bought this company. That 's neither here nor there. This is a new day and from now on everything will be in writing and I will furnish complete records on spreadsheets of the true and full accounting of what happened to your money ''. I failed to receive ANY of this information. All they did was send me a list of letters they had previously mailed me, which I still had at my home. I applied for help through the Step Forward Program in the State of Michigan with NO results. I also went through the legal motions when I learned about the right to recission. I sent in a notice to cancel ( mortgage XXXX on XXXX/XXXX/XXXX ), a XXXX notice to cancel ( reverse mortgage XXXX on XXXX/XXXX/XXXX ), an addendum to cancel, notice of removal of trustee, and a notice of revocation of power of attorney to CFO XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, Executive VP at Nation Star Mortgage LLC, and XXXX XXXX, CEO at Champion Mortgage. I retained notarized records of these notices. 
- There was a Sheriff 's deed on mortgage foreclosure XXXX XXXX, XXXX. On the Sheriff 's deed, the world 'exempt ' is written in the left margin for me to be notified of this. 
- Everything is notarized by a notary public/paralegal, and everything was certified by postal mailing. 
Now, they are trying to evict me from my house for the Sheriff 's sale on Tuesday, XXXX XXXX, XXXX at XXXX. Judicial district XXXX, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX. The case number is XXXX. I had sent in a notice prior to the Sheriff 's sale demanding the it not happen, but this notice was ignored. 
I did not receive payments on the reverse mortgage. I only received a small payment and no monthly payments therafter.
I have received multiple call from this company regarding several charged off credit cards I have. I talked to a rep and told them i am in the process of filing bankruptcy. The person was very rude. I said please do not call me again. And yesterday i got a call @ work. Actually it was left on a voicemail that didnt belong to me. They have also disclosed information about trying to collect on my cell phone which doesnt id me and used by someone other then myself. This message was left on a general mailbox which specifically asked for me. And it was an autodialer. I want this stopped or i will file a lawsuit for an fdcpa violation.
I paid off my two credit cards with. Contiental finance card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX XXXX   XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info
I have never applied for a payday loan from XXXX. This item is showing up on my credit report and is being collected by MIDWEST RECOVERY SYSTEMS.