WillisBack/dataset-financial-user-claim huggingface dataset:
The First National Bank of Omaha advertised for and provided disclosures on a credit card to suppor the XXXX XXXX XXXX. The First National Bank of Omaha has recently stated that it will not longer offer that card. Nowhere in the initial disclosures was there a clear and prominent statement that they may submit to cultural pressure and stop offering the credit card. There disclosures were extremenly deceptive in their advertisting. This decision has caused me severe financial harm as I am having to find a replacement card for an organization that I support, spend time changing all my pre-arranged paments to that card, and start using that card over the FNBO card.
XXXX XX/XX/18 received {$20.00} in account, acct was placed in security review have yet to get my money XX/XX/18. 
They want my bank statements why?
My Mother & I have a joint checking account and Money Market account at XXXX XXXX XXXX XXXX. She was defrauded in a Sweepstake Scam ( XXXX XXXX XXXX ) by being told she won and was required to pay the income tax due on the winnings. My Mom XXXX is XXXX years old and  suffers from some mild XXXX XXXX. She was instructed to Mail VIA the USPS overnight checks on XX/XX/XXXX in the amount of {$7900.00} and again on XX/XX/XXXX a check in the amount of {$23000.00} to the following address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX was again contacted and instructed to withdraw both cash & Bank checks from her account at XXXX XXXX XXXX XXXX and deposit the amounts into various Bank of America accounts : XX/XX/XXXX : Bank check to XXXX XXXX XXXX : BOA Act : XXXX for {$7200.00} XX/XX/XXXX : Bank Check to XXXX XXXX XXXX : BOA Act : XXXX for {$4900.00}
XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX  ). My contract with XXXX XXXX was then cancelled. Transunion and XXXX  Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked Transunion and XXXX to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. Transunion and XXXX still refuses to remove this from my report which is damaging. Please have them remove this incorrect information.
This complaint is in regards to Credit Collections USA Account Number XXXX for {$30.00}, Acct Number XXXX for {$30.00}, and Account Number XXXX for {$280.00}. These are medical bills stemming from a car accident I was in sometime in XX/XX/2008 I believe it was where I was not at fault, at all. I received XXXX and XXXX therapy at XXXX XXXX - a facility in XXXX, OH and consultation with an alternative medicine practitioner in WV. All of the previous bills for this treatment were sent to the at fault party 's insurance company from that car accident who agreed to pay these bills and did pay all the previous bills resulting from this accident. I wasn't at fault in that wreck, I never agreed in writing or verbally to pay these bills nor ever did pay any bills stemming from this wreck and I'm not going to start now. I originally intended to include these medical bills in a bankruptcy I'd planned to file but upon learning that the major debt I had needed to file on was no longer held against me due to the statute of limitations I no longer need to file for bankruptcy and would like these medical bills removed from my credit immediately. If not immediately removed my next step will be to take legal action against the collection agencies for the harm they are now causing my credit. They need to go and bill the insurance company that paid all the other bills and get off the working man 's back.
I need all other addresses removed of my file. Witch they are not deliverable mail addresses. According to the law they must be removed. The only address that should be reporting is the one on my driver 's license that's attached.
I have my mortgage loan with Bank of America. This is the second time I submit a complaint against the bank, when they send a letter to me threaten of losing my house. I am making payments faithfully every month, as evidenced in the attached document, however, their harrasing practices of sending certified letters to my house for " missing one payment '' are not absent in the past two years. 

Two years ago, I filed a complaint because Bank of America kept denying me the right to file for a Home Loan Modification. Afterwards, this loan modification was approved for the amount of approximately {$1700.00}. I pay every month {$1700.00} through my bank. I filed for bankruptcy in XXXX, 2015, but continued making my mortgage payments without missing one, and as stipulated in the borrower agreement. Today, I received a threatening letter of foreclosure because they have n't received the current payment, which I have the right to pay XX/XX/XXXX. 

If further documentation is needed, I will communicate with my lawyer who has all my financial paperwork, included the agreement of Bank of America for the beforementioned loan modification.
After struggling for months to begin making payments on an income based repayment plan I was approved for in XX/XX/2017 and trying to make payments on, a 2 month forbearance was applied to my account without my consent. When I asked a representative why the forbearance was applied I was told that they could find no reason for the forbearance to be applied. The representative confirmed that the forbearance should not have been applied and was not agreed to by me. I'm concerned that XXXX XXXX is applying forbearances to accounts of borrowers who are struggling to make payments to continue to keep borrowers like me from beginning making payments on IBRs and to continue capitalizing interest.
This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( XXXX XXXX  ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.
Navient changed my loan terms without informing me or obtaining my conset. I was on a 10 year repayment plan with auto debit, and they converted it to a 30 year plan paying only interest. When I called they were not helpful, and did not clarify why this was done. I am not sure if this is going to be corrected as they told me it will take a couple of weeks and I will need to follow up closely on this.
For years I have tried to get Income Base Rate the payments they tell me I can afford went from {$800.00} a month to {$520.00} a month. I live in XXXX, ohio. although I have a XXXX XXXX I do not have a XXXX XXXX income. I made no more than {$15.00} an hour and was a single parent could never afford that amount. barely made rent. between losing job being homeless and now regaining employment and a place to live. Navient a.k.a Department of Education has never been helpful. I filed a chapter XXXX, XXXX. which included my loan to Navient/Dept. Education. department of education sent me a notice XXXX/XXXX/XXXX telling me they now hold my default loans. and want all the money now {$57000.00}. the banckrupcy trustee is paying my debts to them from the with hooldings from my payroll. they are also fraudulent reporting on my credit report. the original amount was only around {$42000.00} I called and told them they are not allowed to harrass me for payment. navient, department of education and XXXX are all the same company. they bounce my account back and forth like they sending it to a whole entire diffenent company.
A debt was added to my credit report, that I was unaware of in the amount of {$620.00} acct # XXXX ( Client account # XXXX ) This is hurting my credit negatively and I need this removed as soon as possible and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX
I purchased some items XXXX before losing my job for {$150.00} school uniform pants for my daughter with my XXXX credit card. 

Items were never received and shipped to an old address that I have not lived in since 2013 I initiated contact and requested refund which I felt was a legimate request they issued an investigation and offered a gift card which I never wanted I wanted my refund back on my card. 

Also being off work since XXXX - my health played an issue and I submitted documents and was told that I did not qualify for help to pay my credit card. 

I paid for a service regularly and was told now that I am in need I did not qualify These practices put in play are fraudulent to take my monthly payment and when I am in need I dont qualify but no one gets to return to all the money I paid for the service. 

I want a refund back on my card I never got gift card and never wanted it I want a refund of all money put into for service that was suppose to help me in my time of need and out of work. These services should be illegal they take the money but dont help the consumer
On XX/XX/XXXX, I purchased an XXXX XXXX  XXXX XXXX in the amount of XXXX from XXXX using my XXXX XXXX XXXX XXXX. When the device turned out to be defective, I attempted to contact the manufacturer on XX/XX/XXXX for warranty service, only to discover that XXXX was unwilling to honor the lifetime warranty for the device. XXXX has informed me today that it is XXXX policy that a manufacturer's refusal to honor the terms of its warranty cannot be a legitimate grounds for disputing a purchase, even in a circumstance such as mine, where there is no option for returning an item via mail that was purchased online.
Bank of America- XX/XX/2018- Check Fraud Dear Dispute Center In the month of XX/XX/XXXX I was actively looking for employment through various outlets indeed, XXXX, XXXX, and ect. In the month of XX/XX/XXXX I finally received a text from an employer regarding a posting position for a real estate firm. Attached to this letter you will see the following information. I posted different properties onto XXXX, XXXX XXXX, and a few ads. In order for me to receive payment the employer requested my address and other information to process a check. Once I sent him the information he supplied me with a tracking number to receive my funds. Once the check arrived I contacted the bank that the check was made out to XXXX XXXX XXXX bank over 20x. Attached to this letter you will see the highlighted contact number of XXXX XXXX XXXX bank on my phone records. I have contacted both the local branch here in XXXX XXXX, NV { ( XXXX ) XXXX attached to this letter is also a print out of the XXXX XXXX XXXX XXXX XXXX branch contact number }. After contacting the branch a representative supplied me with the check verification line number at ( XXXX ) XXXX which I contacted over 20x and each time I was told that the funds were there and available. After getting the verification from the check verification line I even went into the branch located on XXXX and XXXX in XXXX XXXX, NV with both the envelope that the check came in and the check and told the clerk the situation. She told me not to worry about it and proceeded to deposit the check. 

Best, XXXX XXXX ( XXXX ) XXXX
I rented an Apartment from The XXXX. 
The debt with this company was settled in Bankruptcy case # XXXX. 
The account was disputed and removed from my credit report. 
Now another debt collection agency has reopened the account and put the balance on my credit as past due.
I had gotten a auto loan with XXXX XXXX in XXXX, and They did repo the vehicle in XXXX for failure to pay. But I have constantly tried to get this company to correct info on my Transunion Credit report where they are stating the account is : 1- Still Open 2- In Collections, Which no one has ever contacted me about this account, 3- Charge-off By this account still showing as open, car dealerships say, it is hard to give me a loan etc. How one account can be listing so many different things I do not know, It should be a Charge-off and closed account etc not all 3.. 
This is how it was listed in XX/XX/XXXXand still listed as of this complaint, Transunion say they can not change it, etc I feel this is now being intentionally done, This company is very hard to communicate with,
I was a authorized user on a store charge card for XXXX XXXX that my mother had a account to. She passed away and the account went delinquent. They reported negative activity on my credit report even though I was not owner of the account. Furthermore it is shown to be charged off, when in fact the estate paid off the bill in its entirety.
XX/XX/XXXX I tried repeatedly -- maybe 20 times -- to create a credit security freeze and to access my credit report at Experian.com. Their website often reported that their own links could not be found. Several processes did not work in a variety of ways : the security freeze process, the process to upload documentation, the registration process, the process to request a credit report. In short, NOTHING that I 've tried over several hours over the past 2 days worked as their website indicated it would. For an organization as large as Experian with as much impact it has over the lives of U.S. citizens, this seems to me to be gross negligence.  Indeed, I suspect they are deliberately not allowing security freezes in the wake of the XXXX hacking, solely to protect their own business interests. Having been responsible for a consumer website at a large financial institution, I can not believe that their technical staff could be this incompetent.
XX/XX/2015 accident with injuries reported, but other driver was at fault. This was not noted.
I called Barclay Bank and told them that i did not do that inquiry for a credit card and asked them to remove it asap and they sad no.
On XX/XX/18 I submitted a request to both transuion and XXXX XXXX XXXX regarding an account reported by transuion. I submitted a request asking for validation of XXXX account being reported in the amount of {$1100.00}. I have not received a response from either transuion or XXXX XXXX XXXX. Under the fair credit reporting act I have the right to have this inaccurate information removed after 30 days of not receiving adequate validation of this account in question. I have disputed this account in question four times with Transunion and have not gotten any sort of validation whatsoever. I do not owe XXXX XXXX XXXX any money at all. I have never signed a contract with them nor have I done any type of business with them. the account in question is not accuretly being reported by TransUnion. 90 days of waiting for validation of this account in question I am requesting that this inaccurate information no longer report on my credit file.
experians has locked me out of my accounts and not giving my creditors my credit report clear violations of my rights and XXXX has done nothing to help me
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   XXXX   XXXX ,  9th  Edition,   XXXX  , defines Verify as,  1 )  " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate.  '' 2 ) To c onfirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the accoun t ( s  ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must hav e 1st  hand knowledge of the alleged accoun t ( s )   and all that has ever transpired for the alleged account  ( s  ), under oath and under the penalty of perjury. As I am sure that you are well aware, current  Federal  case law states that,  Consumer Reporting  Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed  by 1681  ( a ) ( 4 ).     You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section  611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.     The law is very clear as to the  Civil li ability and the remedy available to me for negligent noncompliance  ( Section 617 )  if you fail to comply with this  Federal Law.  I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.        XXXX   XXXX  #  XXXX  Unverified Account-No Contract  XXXX   XXXX  #  XXXX  Unverified Account-Removed by  XXXX   XXXX   XXXX   XXXX  #  XXXX  Unverified Account
On XX/XX/XXXX a tree fell on our house. The insurance company put the house as a lost and sent the check to Ocwen Loan Servicing on XX/XX/XXXX. Ocwen sent us froms to fill out and we did that and waited for them to start sending us the money to start fixing our house. But then they wanted something else to fill out. this went on until I called and told them I was going to send in a complaint to CFPB thats when they sent me my first check. And after 50 % of the wok was done they sent me the second XXXX. Now it has been over XXXX months that XXXX % work has been done and they are giving me the run around again telling me they need more paperwork that has already been send to them.On XX/XX/XXXX I was told that my last check was bring sent out with in the next XXXX to XXXX days. Today is XX/XX/XXXX I just got off the phone and now they are saying it 's still under review. It has been a year and XXXX months we have been waiting to get own home fixed. Just need to know what we need to do now.
On XX/XX/XXXX I filed a complaint against Midwest Recovery systems. They advised that they could not verify the debt and stated that they sent letters to all the credit bureaus on XX/XX/XXXX to remove the information. The company also advised that it would take 30 days from that day. Well today is XX/XX/XXXX. It has been more than 101 days and this information is still located on my XXXX   Credit Report. Can you please remove this inaccurate information. I have called several times with no help.
I received notification through a credit monitoring service that I had a past due balance of {$70.00} for a medical appointment several months prior. At no point in time did I receive notification ( written or verbal ) from either the medical office involved or the collections agency. The debt collector fraudulently reported the total amount owed as 4 separate past due balances totaling {$70.00} to the credit bureau, seriously affecting my creditmoreso than one derogatory mark. Since I first discovered the debt through my credit monitoring service, I should not be expected to have paid earlier, nor penalized with derogatory marks. Upon discovering it, I did verify it, and paid it as soon as possible. The CFPB needs to step in here to prevent this company from fraudulently and viciously trashing my credit, and reach out to XXXX to remove these marks ASAP.
Citi XXXX XXXX advertise that XXXX of the benefits of the card is redeeming Thank You Points for XXXX cents per point if you use the points to purchase tickets on XXXX XXXX ( or XXXX cents per point for tickets on other airlines ) through their designated travel agency. What they do n't disclose anywhere is that the cost of the tickets are inflated. ( i.e. they charge more for the tickets than any of the ticket booking sites like XXXX, etc. ) In some cases, its only {$2.00} - {$15.00} more but its still not fair. Citi - please disclose how this program really works!