WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to get XXXX XXXX XXXX to respond to my requests to validate the date since XX/XX/XXXX. Here are the many violations : 1. I never received ANY calls from XXXX 2. I never received a Dunning letter 3. I found this account while revieiwing my reports on XXXX XXXX 4. I sent a letter via regular USPS on XX/XX/XXXX asking for verification- no response 5. I disputed with the credit bureaus and they all said the debt was verified.

6. XX/XX/XXXX I sent a certified letter to XXXX trying to info on this account XXXX. NO RESPONSE 7. I sent the no response and proof of delivery to the credit bureaus to get the account removed per the FCRA, they responded the account came back " verified '' 8. I sent certified letter AGAIN to XXXX XX/XX/XXXX XXXX NO RESPONSE 9. I again sent ALL letters with Proof of delivery to XXXX and XXXX on XX/XX/XXXX to remove XXXX because they have not responded. To date, no response 10. the account was never marked " disputed '' on my credit report which is a FDCPA violation.

11. XXXX keeps changing the amount owed that they are submitting to the credit bureau. In XX/XX/XXXX they reported XXXX, today they are reporting {$75.00} and {$370.00} for the EXACT SAME ACCOUNT. This is a clear violation!
I made a purchase that required me to use a licensed dealer in my home state. The dealer charged a {$25.00} fee to facilitate the transaction and I used my 5/3 credit card to pay the fee. When I received my credit card statement they showed a cash advance, which never occurred. I contacted the dealer and they assured me that their credit machine was not set up to do cash advances and taht it was run as a credit transaction. I called the credit card company and was told that it was run as a cash advance and that the extra fees and higher interest rate would not be waved. I explained that I had never done a cash advance and that the dealer stated it was run as a regular credit transaction. They insisted that I owed the fee. I spoke to a customer service representative, their manager, the disputes department, and received the same line from each that it was run this way and I had to pay even though I was never a part of a cash advance.
I am unsure as to who this company is. This company contacted my mother and never contacted me. They contacted her on her cell phone and I have reviewed all of my records and have never received any correspondence from this company. Where is the VOD or validation of debt, if any. I do not know who they are collecting for and at this point the representative XXXX XXXX and her company Hunter Warfield are in clear violation. I am requesting this company cease and desist. They should only be using location information if they are unable to reach me, which they have not tried. I am unsure of what the antics are, I have read a lot on this company but this is my final attempt to get them to cease communication and to close any files they have as I am getting my lawyer involved.
Back in 2013 I filed for divorce and was awarded our home having XXXX children. I knew i had to change careers to earn more income so I did but it was still not enough because it was still XXXX income. I tried to refinance the home threw Wells Fargo and talked with XXXX XXXX there XXXX. After being behind 2 months during the process of applying I was able to save the money to catch up on my payments. XXXX XXXX advised me not too for the fact that the refinance committee would ask were the money came from and not to pay it. She urged me to stop paying all together. I followed her advice. Over a matter of weeks I followed all the instructions XXXX XXXX had given me. I only ask that as i try to make a quick sale that Wells Fargo will grant me 60 days additional for the sake of my XXXX daughter XXXX so this does not traumatize her. This has been an absolute nightmare for me to take on alone so that my children could focus on there studies.
I paid the debt of {$150.00} ERC collection company for XXXXXXXX XXXX XXXX of 2018. When i paid the debt i ask could it be taking off my credit report. the young man i spoke with said it would come off in 45 days. It came off as promised, then they put it back on as Paid. this is an unfair credit act.
XX/XX/2017, Thursday, I placed a call to XXXX XXXX to cancel a payment arrangement scheduled to electronically draft from my Chase Banking Account. 

Unfortunately, the customer service representative advised that the EFT had been issued and could not be recalled in the amount of {$570.00}. 

Chase Bank was contacted and I requested to place a stop payment in the amount of {$570.00}. 

The Chase representative asked if the merchant had been previously authorized to draft from my account, I responded " yes '' and provided the last debit from my account which was {$280.00}. 

Unfortunately, the stop payment was issued for {$280.00}, which is the incorrect amount. I phoned Chase immediately when the charge posted to my account. Chase reviewed the recorded call for that day and the transcripts, escalated the issue to the claims dept, and confirmed that a banking error was made. 

In working with Chase, the bank issued a decision to honor the transaction and not take additional action to recover funds due to the bank 's error. 

I was told by XXXX XXXX that the payment can not be refunded and a credit would not be issued for the inconvenience as the payment was for my car note and I should look on the bright side, my car note is paid. He also advised that the bank who made the error would be properly trained. 

His response was very inappropriate and subjective in addressing the matter at hand. I felt there was possibly discrimination as XXXX XXXX did not cite banking policy to support Chase 's decision to honor the transaction despite the admittance. 

Throughout the duration of the investigation, I was very mild-mannered as I understand it was an honest banking error. I requested that the bank exhaust all efforts to recover the funds and reverse all NSF fees as this has created a domino effect within my account of insufficient postings. 

XXXX XXXX also advised me that his department was the highest level and that is the final decision.
I've been having to file complaints with the XXXX XXXX XXXX for quite a while now could not figure out why my Equifax report was so messed up. I've never been able to sign in when I filed a complaint or want to contact them about status of investigations. They always say that my personal information is wrong well after all these years yesterday I found out that Not only was my birthday wrong they had me living at places I didn't live and I have numerous hard inquiries that dont have anything to do with my requesting authorising or renting anything. Equifax keeps telling me their information is correct and then I need to contact the credit companies that I disagree with. I keep being told to contact equifax. For example XXXX XXXX says when they ran my social security number they have no accounts for me and no inquiries but yet Equifax says I have them. They've been no help. But back to That I found out yesterday I have multiple files that are causing the hard inquiries and weird informations they requested I fax them my driver 's license, social security card, and other identifying information however I don't trust them anymore so I'm using your agency in hopes that they will not use my information improperly. They're misinformation has caused me not to be able to get a decent place to live now I'm living in a neighborhood that is very dangerous and drug-infested, isolated from family and people Ive known all my life because this is the only place I could get with their bad marks. Every time I filed a complaint they want to say that I'm wrong and I will re complain about it and keep complaining and eventually I've gotten some things removed overtime with many headaches and suffered the effects of there low rating of me.
I did not authorize this creditor to run my credit I have never heard of them nor request credit with them. 

Creditor Name : XXXX  Inquiry Date : XXXX XXXX, XXXX Removed By : XX/XX/XXXX Type : XXXX XXXX Cards/Airlines
Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have XXXX accounts linked with the same account number on my credit report. Its unauthorized
In 2009 I had a traffic accident which no citations was issued the police stated no one was at fault, some how Hiday & Ricke on behalf of STATE farm ins. not only was able to go to court and falsify info but as some how gotten my driver 's license suspended, I have no money to hire a lawyer and need my driver 's license to work. How can any one who is a debt collector get some one driver 's license suspend and I was not even notify that there was court proceeding to attend and defend my self. I need some one to look into this for me. Thank you in advance. 

P.S the XXXX was wage garnishment.
Around  XX/XX/XXXX  I sent an dispute letters to  XXXX ,  XXXX , and Transunion disputing about the following inaccurate information : 1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX    Around  XX/XX/XXXX , I called all credit bureaus for updated investigation status. I was told by  XXXX  that they had received the letters, but has not gotten to investigating  XXXX  yet, but was behind in the mail so they were still investigating  XXXX . Under the Fair Reporting Act, the investigation should be done in 30 days. That did not happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on XX/XX/XXXX .I was told by the apartment complex that this same information disputed in   XXXX   was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all  XXXX  credit bureaus.
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In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the manager to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help.
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Thanks   XXXX   XXXX
Submitted dispute to Equifax regarding a hard credit inquiry I did not authorize from XXXX XXXX XXXX on XX/XX/2018. Dispute confirmation # XXXX. I did not provide any social security number or signature to XXXX XXXX XXXX, and was informed by company in-store associate that there was no credit check. Spoke with associate at XXXX XXXX XXXX Customer service hotline on XX/XX/2018 and was ensured that the inquiry would be removed. Equifax did not verify any social security number, or signature to any paperwork- because no signature or social security number was provided.
Around XXXX of XXXX, I discovered that an account I had with Bank of America had been charged off. I had a secured credit card with them since XX/XX/XXXX. I contacted Bank of America to figure out why they charged off the account for {$880.00}. 

I did not receive any specific information, other than a charge that was credited back to my credit card was reversed and I had that as a balance. I never received any type of notification that they had reversed the charge or any billing statement. 

I requested documentation for the charges from Bank of America, which I never received. I attempted to have the information corrected on my credit bureau, however Bank of America continually states they are reporting the account correctly, which is inaccurate. 

I have offered as much as paying the balance in full, in order to have the reporting corrected on my credit bureaus, however they refuse to accept payment. I sent them a letter and email advising that I had never received a bill for the charged off amount and I was never given an opportunity to pay them, prior to charge off. 

I told Bank of America that I did not agree with the reversal of an unauthorized charge, however they stated they are no longer able to investigate the unauthorized charge. I requested proof that the charge was authorized and accurate, however they did not send me anything. 

I sent a letter to Bank of America and I have received no response. I also emailed the CEO and VP asking for assistance, to no avail. 

Please assist me in getting this resolved.
On XXXX XXXX my Social Security check 0f {$1000.00} was fraudulently transferred from my bank, SUnTrust Bank, XXXX, Florida to a bank they said was " XXXX XXXX XXXX. '' I never gave any permission for this transfer and the bank has not been of any help, in fact the person I talked with on the phone was unresponsive to my need. I am an XXXX  and in a XXXX. It is very difficult for me to get rides and leave my home. I had a - {$140.00} in my account due to an automatic bill payment and a fee of {$37.00} for a bounced check. A family member sent me a loan to prevent further charges. I have to pay back this money. I had no idea of what to do. I started on XXXX XXXX XXXX XXXX shortly after. My Social Worker came on XXXX and did the assessment of my condition and needs. She returned on XXXX/XXXX/XXXX and together we made many phone calls. We talked with a XXXX at F.D.I.C. Consumer Complaints who instructed me to complete this online complaint. Due to not having a computer, my Social Worker is helping me today.
The escrow analysis completed on XX/XX/XXXX and again on XX/XX/XXXX, is grossly inaccurate. Please consider this letter as a formal written complaint under RESPA. I have contacted Freedom Mortgage a number of times over the phone to attempt to resolve this matter informally to no avail. <P/>The analysis mistakenly estimates that the property taxes on the property located at XXXX XXXX XXXX, XXXX, IL ( PIN : XXXX ) will amount to more than {$8000.00} for the year XX/XX/XXXX and going forward. This is very clearly incorrect. The first installment of the XX/XX/XXXX taxes, which was paid out of this escrow account, amounted to {$2300.00}. The taxing body, XXXX County, estimates the first installment tax bill as 55 % of the total amount for the prior year. Based on simple arithmetic, the total tax amount for XX/XX/XXXX ( the last full year available ) was accordingly approximately {$4200.00}. This is approximately half of the estimate included in the escrow analysis. Put another way, Freedom Mortgage is estimating an increase of more than 100 % to property taxes within a one-year period. This is obviously incorrect. <P/>A look at properties on the same block as the subject property with similar assessed values offers further evidence that the escrow analysis drastically overestimates the taxes due on XXXX XXXX XXXX for XX/XX/XXXX and going forward. XXXX XXXX XXXX ( PIN : XXXX ), the neighboring house, has an assessed value of {$21000.00} and includes a homeowner 's exemption ; XXXX XXXX XXXX is assessed at {$22000.00}. XXXX XXXX XXXX 's taxes were as follows : {$2800.00} ( XX/XX/XXXX ) ; {$2800.00} ( XX/XX/XXXX ) ; {$2900.00} ( XX/XX/XXXX ) ; and {$3400.00} ( XX/XX/XXXX ) ; the first installment for XX/XX/XXXX was {$1900.00}. XXXX XXXX XXXX ( PIN : XXXX ), another similar property on the same block as the subject property, has an assessed value of {$20000.00}, but without a homeowner 's exemption as the subject property currently has. XXXX XXXX XXXX 's taxes were as follows : {$3100.00} ( XX/XX/XXXX ) ; {$3200.00} ( XX/XX/XXXX ) ; {$3200.00} ( XX/XX/XXXX) ; and {$3600.00} ( XX/XX/XXXX) ; the first installment for XX/XX/XXXX was {$2000.00}. Accordingly, an estimate of more than {$8000.00} for XXXX XXXX XXXX is almost comically overestimated. <P/>On XX/XX/XXXX, the escrow balance on the loan account is {$3900.00} - which is after the first installment of the XX/XX/XXXX taxes has already been paid. Based on a conservative estimate with higher than average taxes, the total amount of payments from the escrow account would not be more than {$5300.00}. That 's only about {$1400.00} more than is currently in the account only four months into the year. Even accounting for the cushion allowable under RESPA, the required escrow payments as listed in the escrow analysis are extremely inflated in violation of RESPA. Again, based current e of the taxes due for XX/XX/XXXX, the appropriate monthly escrow payment would be in the neighborhood of {$440.00}. Please correct these discrepancies immediately and refund any overage due.
I sent a letter of debt validation  on   XXXX   XXXX   XXXX   and they ignored my letter and sent me the attached letter which I received on   XXXX   XXXX   XXXX  .
On XX/XX/XXXX, five purchases were made at five different XXXX XXXX  stores in XXXX and XXXX in amounts ranging from {$420.00} to {$740.00} on my Bank of America Visa. I live in XXXX   and all of my previous XXXX XXXX purchased have occurred at the same XXXX store or on-line. On the same day, BofA notified me via text that an unauthorized purchase had occurred on my card and asked whether I approved the purchase. I responded that it was not authorized. The next day I spoke with BofA. They issued me a new card and said the five transactions would remain pending while under reviewed for fraud. 

I thought all had been resolved. I also received a letter dated XX/XX/XXXX, BofA sent me a letter stating, " You reported one or more charges or cash transactions that were attempted, but the unauthorized attempts were unsuccessful. '' But then, on XX/XX/XXXX, BofA reversed only two of the five charges. The three remaining transactions were for {$420.00}, {$530.00} and {$680.00}. 

I spoke to customer service again, and they stated that I am responsible for three of the charges since they were " chip authorized. '' My card was never out of my possession, which means the chip used for these transactions was on a forged card. They suggested that I contact each of the XXXX XXXX in question and ask the managers to review their transaction that day to see what was purchased as well as review the security camera footage to see who made the purchase. I could also call my local police department to file a fraud report. 

When I requested copies of the sales slips so that I would be better informed when calling these XXXX XXXX and the police department, I received this computer-generated response for all three : " We're unable to request a copy of the {$680.00} [ {$530.00} ] [ {$420.00} ] sales draft from XXXX XXXX XXXX. Our records indicate that this transaction has already been placed into dispute. '' I was then told that it was up to XXXX to release that information, and it could take at least 30 days for them to consider releasing the information. This all seemed like a process my credit card company should be doing on my behalf. They have basically wiped their hands of it and said good luck. 

I am now in the process of reaching out to my local police department so they can coordinate claims with three different police departments in XXXX and calling XXXX XXXX and XXXX corporate to make them aware of the use of fraudulent chip-enabled cards circulating in that area. Such a fabulous use of my time when we were all promised that the new chips would reduce fraud!
-On XX/XX/XXXX a bill was sent to me from XXXX in regards to a debt owed to XXXX in the amount of {$840.00} which should have included the amount owed for a phone and the last phone bill. 
-On XX/XX/XXXX a bill was sent to me from Receivables XXXX XXXX, XXXX XXXX regards to that same debt, but stating that I owed {$1600.00}. 
-On XX/XX/XXXX I sent a fax to the Escalations Dept. at XXXX XXXX XXXX, XXXX requesting validation and explanation of the increase from the original debt amount. I mentioned that I 'd spoken with a representative from XXXX who told me that additional charges were added to the account in XXXX and XX/XX/XXXX. At that time my account was closed and I had entered a contract with a new cellular phone carrier in XX/XX/XXXX. 
-On XX/XX/XXXX, Receivables XXXX XXXX, XXXX XXXX me a T-Mobile statement as validation of debt, but did not explain why the additional charges were added to an account that should have been closed in XXXX. 
-On XX/XX/XXXX, I sent a letter to Receivables XXXX XXXX, XXXX in response to the statement inquiring about the charges that were very confusing to me. 
-On XX/XX/XXXX I received a statement from Diversified Consultants, Inc. regarding the said amount due to XXXX. 
-On XX/XX/XXXX sent a letter to Diversified Consultants , Inc. inquiring about the explanation of the debt owed to XXXX. 
-On XX/XX/XXXX I drafted a subsequent letter to send Diversified Consultants , Inc. regarding their lack of response and explanation of the debt owed to XXXX. I am not comfortable paying for charges that I 'm not sure are accurate. 

Thanks so much for your time and attention to this matter.
When ever one of my car payments is due on a weekend Bank of America 's system does not update and show my payment. According to the finance manager upon acceptance of my auto loan, I was advised that I have a 10 day grace period. I have never gone pass the 10 day grace period, yet Bank of America 's collection department calls me non-stop all day to " collect '' on a payment that 's not late, nor past due. I have advised them to stop calling me as the payment was scheduled within the grace period and their systems do not update in real time. However, they continue to call. This is harassment and a violation of the Telephone Consumer Protection Act of 1991. They are collecting on a past due account that does not exist as the account is not past due. I demand that their executive office contact me and issue a formal apology for this harassment.
bill is being paid every month,300.00 -- -400.00 a month, they stated not enough.threatened to garnish my wages, wants my employer phone number, has called my parents home saying they have a right to.my parents phone number and my mothers phone number are unlisted numbers, have asked them to stop.
I used western union to transfer XXXX $ from my bank account in United States to bank account in XXXX on XXXX XXXX, 2016. I received email stating my bank has received the amount on XXXX XXXX, 2016. When i contacted my bank in XXXX they informed me that they have not received any amount. Upon calling western union on XXXX XXXX, 2016 they told me to wait for 3-5 business days for the amount to reflect on my XXXX bank account. After 3-5 days ( XXXX XXXX, 2016 ) when western union was contacted by me to know the status they informed that my bank in XXXX has rejected the transaction and therefore, a refund is being processed for that amount which should reflect in my United states bank account within 3-5 business days. I called western union again today ( XXXX XXXX, 2016 ), I was informed that my transaction was completed and the amount was infact deposited in a bank account in XXXX which did not belong to me. I confirmed the bank account number and IFSC number with western union which was infact correct. I do not know where my money is right now. According to western union supervisor a case has been filed for the refund on XXXX XXXX, 2016, when I requested for a case ID number or any proof, he informed me that we can not provide you with that information. He told me it takes 20 business days for the complained to be processed and another 20 days for the refund to reflect in my account. Right now, I do not know where my XXXX $ are at. Please help me.