WillisBack/dataset-financial-user-claim huggingface dataset:
ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL XXXX BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OFXX/XX/XXXXTHE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ONXX/XX/XXXX TO BE REMOVED.
Barclay Bank  Delaware filed a lawsuit against me in the  Civil Court of Ne w Jersey ( without any notice to me ) that I owe them a debt in the amount of {$2600.00}. Furthermore, after reviewing additional documents from the court it shows  Barclay Bank Delaware requested {$2900.00} to be levy ; which does not make any sense.   I was unware of this debt and have had no knowledge of this debt until my bank account was levy on   XXXX   XXXX   XXXX     ; I have contacted the law firm  Barclay ban k hired to  VALIDATIE t he debt pursuant to  15 USC 1692g Sec. 809 ( b ) of the FDCPA however they refused to valid  ate because they received judgment from court because I was not present to dispute the debt.      Furthermore, after reviewing all the court records and no records from plain tiff (  Barclay  ) attorney it shows that no one has any proof that I was ever properly   served to appear in court to dispute the debt. On   XXXX   XXXX   XXXX    , I filed a motion with the  Civil Court Ne w Jersey to vacate the judgement. The motion was granted and all party was notified to appear in court on    XXXX   XXXX   XXXX      ; however, no party from  Barclay  attended the hearing to validate their claim, therefore judge released most of the fund from levy to the defenda nt ( I/Me ) and  advised I settle the claim with   Barclay and or file new motion/complaint to verify the debt.
Thus, It is imperative that Barclay Bank Delaware contact me thus we can resolve this matter. I will not hesitate bringing in separate civil complaint legal action against Barclay   Bank Delaware for Violation of the Fair Debt Collection Practices Act and Defamation of Character.
XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XXXX XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with XXXX.
Equifax compromised my personal credit information in their recent data breach ( as confirmed by them on their equifaxsecurity2017.com website ). This compromises all of my current and future financial accounts. I would like resolution/compensation.
In XX/XX/XXXX I purchased a {$500.00} prepaid card at XXXX. Upon trying to use the card, it did not work. When I called the issuing company, it turns out that the card were used at stores and cities I have never been to. I filed a complaint with the company on XXXX XXXX and sent in the dispute paperwork on XXXX XXXX. Since then the company has refused to give me any update on the statuses of the card and they insist that they have up to 90 days to investigate the matter and return the funds to my card.
I made the final payment on my mobile home in XXXX 2015, but the loan company, Ditech, claims I still owe {$13000.00}. They say my account is seriously past due and if I do n't send the money, I may be facing legal action.
On XX/XX/XXXX, I applied for a XXXX XXXX XXXX card to receive a {$150.00} signup bonus and start earning points. After looking into the account they pulled my information as a hard pull so I requested to have the account canceled over the phone and inquired about removing the hard inquiry since the bonus was, not linked either. The representative from XXXX insisted he could not help, but was sorry. While reading his script, I paid down my balance and then he said we ( XXXX XXXX ) can not take care of this which led him to give me information to sum it up with Experian. After calling Experian, they insisted that XXXX XXXX would have to write a request to Experian on behalf of the incident. I already have a secured account with XXXX XXXX as well as a 3 year relationship. In hindsight, I recently applied for a XXXX XXXX unlimited account and received no hard pull as well as a higher credit limit! Lastly, After relaying over the phone for 1.5 hours with XXXX XXXX the gentlemen either hung up or the call was disrupted which led to me calling again for another 30 minutes with no real results. After receiving information to speak to Experian I still had XXXX XXXX one pointing the finger saying we can not help you and I was left with a new credit card to which I canceled, a hard pull on my credit score, and a lowered score.
Paid an account IN FULL within grace period in the amount of {$1300.00}. On next statement, had an " interest charge '' of {$3.00}. Wrote a letter to the XXXX XXXX XXXX, Bank Of America ignored the letter and did not respond. Had to call in, resulting in extreme inconvenience, customer service representative was confused about the charge - checked with supervisor and declared that the charge would be removed. I asked if this was an error, the reply was " it looks that way ''. Bank appears to be disorganized, does not answer mail, there is NO option to contact bank electronically by e-mail or secure message, the ONLY option is the dreaded " call center '' during THEIR hours.
I have been with Chase credit cards for 34 years with an excellent credit history but I just recently received a letter from Chase decreasing my credit line. They claim my balances are too high compared to credit limits, which they were actually higher last year. I realize that Chase makes the rules and can change those rules at anytime, but it must be done lawfully. It is against the law to discriminate. I feel that they are discriminating against me because of my age. They have prematurely sent me a condolence letter a few years ago because they mistakenly thought I had passed away. Naturally, they will not admit they are discriminating against me, but I would like this to be on record because if they are discriminating against me, you can be assured they are doing this to other Chase customers. To bad there is n't a way to find that out. I called Chase and they re evaluated my situation a couple of times but refused to change their decision. Another underwriter from Chase was suppose to contact but never did.
Around XX/XX/XXXX i checked my credit report and all my inquires was deleted when i check my report today they all back and my score went down.
I leased a XXXX XXXX  XXXX and I purchased Preferred Tire Care Coverage from them through XXXX XXXX. 

Preferred Tire Care plus package On XX/XX/18 I traded in my XXXX and I was told I could get a refund on this coverage since I do not have the vehicle and I didnt use the coverage. I called XXXX 5 times and no one gets back to me regarding processing my refund. 

I want my refund for this coverage processed. 

XXXX XXXX needs to refund this.
On XXXX XXXX, 2017 I opened the afore referenced account at the Wells Fargo & Company XXXX XXXX XXXX XXXX Branch in XXXX XXXX, California. I was issued an ATM card. Documents were then sent in the mail to activate the ATM Card and provide contact information for use by Wells Fargo & Company. I am enclosing with this letter copies of two screens for my account which I had to complete for the ATM card to be activated. One screen makes reference to Consumer Platinum Debit CardXXXX. That is not the ATM card that was issued to me. The Contact Information screen contained phone number ( XXXX ) XXXX-XXXX. That is not my phone number and I do not know whose it is. I dialed the number and it was answered by a woman who seemed to speak only XXXX. Something is definitely wrong with my Wells Fargo & Company account. Has my personal information been compromised? I am sufficiently alarmed by this situation to ask that you investigate what happened to this bank account once it was opened at your XXXX XXXX XXXX branch in XXXX XXXX. I believe this matter is serious enough that I will be reporting it to the Federal Reserve Bank of XXXX XXXX, the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau.
Ally Auto Financial called my cell and house phone numerous times after XXXX. I have asked them to stop but it has continued. Also when they call during regular business hours its a robocall and no one picks up the phone so I get multiple calls a day with nobody picking up the phone which is disruptive and bothersome.
My wife and I applied to have XXXX of our cars financed through our XXXX Bank instead of continuing our financing with XXXX XXXX. We later received a letter stating that we were turned down because of the credit report from Equifax. The letter also stated that we could contact Equifax for a copy of our report free of charge. I contacted Equifax by phone ( XXXX ) but we were asked for our credit card number as we were going to either be charged {$7.00} for XXXX report or {$11.00} for a different report. When I contacted them via computer ( www.equifax.comXXXX ) it said that I would have to join their membership ( they did n't say the cost ) only that I would be charged monthly and if I did n't later cancel that I would be charged monthly even if their rates for membership was increased. I feel trapped and do not want to share my credit card info with Equifax. The letter from XXXX Bank stated " Under federal law, you have the right to obtain a copy of your credit report ( s ) without charge for 60 days after you receive this notice. '' We received the letter from the bank dated XXXX XXXX, 2016 and today is XXXX XXXX, 2016. Tomorrow morning I 'm going back to the bank to see what is going on. We want a copy of our credit reports they used. Thank you
On Tuesday, XX/XX/XXXX I requested a free copy of my credit report from Experian through Experian 's website ( experian.com ). I accessed the website and made the request through a mobile device ( 5 inch screen ). I understand that, under the law, I am entitled to one free report each year from each of the credit reporting agencies. This was the first time in more than a year that I requested a free report from Experian. 

When I was at the Experian website, I clicked on a link for a purportedly " Free '' Credit Report. Experian asked that I input certain personal information through the website to verify my identity. It also asked that I input my debit card information, which I believed was also to verify my identity. 

Unbeknownst to me, however, the offer of the " Free '' credit report led me to an area of the website where Experian -- without disclosure that was readable on my mobile device -- signed me up for some sort of membership program. I did not find this out until a week later when Experian took it upon itself to charge my debit card {$21.00}. 

On Wednesday, XX/XX/XXXX I called Experian 's customer service number. I was greeted with an automated system that made it difficult to speak to a customer service representative. I cancelled my supposed membership through the automated system. The automated system then disconnected the line. I immediately called back, and, after several tries, was able to connect to a customer service representative. When I explained I wanted a refund, the customer service representative stated that he would place me on hold for a few minutes to connect me to the department that handles refunds. 

I spent over 45 minutes on hold. When the customer service representative from the refund department answered, she claimed that the website explicitly stated that my card would be charged {$21.00}. I told her that I accessed the site through a mobile device, and saw no such disclaimer ( or at least one that could be easily read ). I again asked for a refund, and further explained that I did not access any services other than my credit report ( which did come with a credit score, but I never asked for that ). She responded that she would check to see if I was eligible for a refund. After placing me on hold for a few minutes, that customer service representative returned and stated that Experian would not issue me a refund. I told her that I would then file a complaint with the appropriate agency or agencies. She did not respond. I then hung up.
In XX/XX/XXXX disputes regarding a collection and requests for validation of a debt were sent to Experian that included the following accounts : XXXX/XXXX XXXX XXXX Acct : XXXX, XXXX. 
An inquiry from XXXX XXXX  on XX/XX/XXXX and names I have never gone by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several follow up letters by certified letter, more than 10 phone calls and 3 direct uploads to their online disputes system and contact attempts were made well into XXXX  of last year. A CFPB complaint was made XX/XX/XXXX about all erroneous reporting. All of the above accounts, inquiry and incorrect name information was removed from my credit file. Upon checking my credit file on XX/XX/XXXX, this information has been erroneously placed back on my credit report with out notice by Experian, XXXX  and XXXX. In violation of the Fair credit reporting Act. 

In addition, XXXX, XXXX and XXXX continue to report XXXX   XXXX XXXX XXXX XXXX. After receiving information verifying the account had various errors in it's reporting. Another violation of the FCRA.
Threatens to collect the debt using XXXX fraud department tactics and possibly legal action or XXXX without debt credit card collection practices, before revealing it to the consumer. Using letters and unable to identify my person and asking to send without faxes my personal social security card license and other forms of identity. Without good reason or cause for harassment as if it is to protect the consul from creating too much unsecured debt.
I filed my income tax return via XXXX. I was offered to receive the refund via a debit card through NetSpend. I activated the card in a timely fashion but the money was never put on the card. NetSpend is impossible to get through and charges a {$.00} charge just to contact them. They have a phone system that is impossible to get through and get information and least of all talk to a person to get the matter settled. At any rate, they have my tax refund and there is no way for me to get access to the funds.
My husband and i bought our home on XXXX XXXX. I became XXXX on XXXX XXXX, my husband continue to financially support our household and it was n't easy for him. In XXXX XXXX we contacted Flag Star to see how they can assist us with our mortgage, Flag Star asked me to stop paying my mortgage so I can qualify for a Deed in Lei ; they advised me to put my home up for Sale and there were no other options for my family to remain in the home. It was n't until XXXX XXXX when a realtor asked us if we had tried to modify, I had no idea we could do so and then I immediately called Flag Star and asked for the Modification Option and since XXXX XXXX I 've submitted complete packets to them for review. I have Never received one letter from them with an update, stating whether we 're approved or Denied. I call my single point of contact often and she 's hardly available but I do get to speak to someone else they always tell me that my single point of contact will return my call and I do NOT hear from her. I am in desperate need of an answer so I visited a HUD Approved counseling Agency they will assist in the process but are also interested ion knowing why Flag Star keeps asking for Documents and they are not sending updates on what they already have. Please Help!
All four major credit bureaus TransUnion, XXXX, XXXX and XXXX have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared My ( Consumers ) personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
I filed a dispute with Chase for a covered situation, in which I ordered goods with a guaranteed shipping date and received them after the event they were ordered for had passed, due to the vendor shipping them 5 days later than was guaranteed. Chase accepted my dispute and then two months later on XX/XX/2016 sent me a letter demanding more documentation, due by XX/XX/2016, a federal holiday. I mailed XXXX pages of documentation in the prepaid envelope provided by Chase on XX/XX/XXXX. On XX/XX/XXXX Chase without considering that a federal holiday may have delayed their preferred method of shipping ( the XXXX envelope they sent me ) closed my case and ruled in favor of the vendor without ever speaking to me or reviewing the extensive documentation I sent. After receiving their confirmation that my dispute was closed and that they had rebilled my account, I discovered they had incorrectly classified my dispute all along ; despite my written statements and discussion by phone with Chase, they had filed my dispute as " merchandise not received, '' when I had submitted the dispute under " merchandise received too late to be useful. '' I called Chase to explain this and was promised a call back from the person handling my dispute within 24-48 hours. A week later I am still waiting. 

Chase therefore : 1. Misclassified my dispute and ruled against me under false pretenses by accepting merchant 's proof of the ( late ) delivery as proof my dispute was invalid ; 2. Required me to return documentation by mail on a federal mail holiday ; 3. Closed my dispute without waiting to receive said documentation for even one full business day after said federal holiday ; 4. Promised to communicate with me by phone and did not do so ; 5. Violated their own merchant agreement by failing to honor a valid dispute due to the mishandling of this matter.
Hello, I have a debt with Med-1 solutions and I have been deceived. I was told by my account respresentative on XXXX/XXXX/2015 that there were no derogatory remarks on my account at the present, but if I did not pay then there would be. I then asked the representative if I could make payments to the account in order to keep remarks off my credit. She stated that she could do that. So I made a payment of {$100.00} and have been doing so at the same time every month for for 5 months. Again, this was under the agreement that my account would stay in collections, but not be reported to my credit report. The original amount due was {$870.00} and it is now {$370.00}. Today XXXX/XXXX/2015, I decided to check my credit and I see that Med-1 Solutions has reported the debt to my credit report even though we had an agreement that they would not do so. I called Med-1 Solutions and was told that there was nothing they could do to remove it unless it was reported in error. I was also told that as long as the account still had a balance that it was eligible to go to collections at any time. This is where the problem comes in. I was NEVER told this. NEVER. Obviously I care about my credit. If I did not then I would not be making monthly payments to them. Had I been informed on XXXX/XXXX/2015 when I made my first payment that there was still a potential for this debt to be reported to my credit report then I would have figured out another way to get it paid faster. I am not sure what is at stake for the account representatives when they collect money from consumers, but I feel as if she was not forthcoming to the point of deceiving me to believe that my account would stay out of collections as long as I was paying every month. I understand that the company will not remove the mark on my credit unless it is made in error. However, I do feel as it was in error. I was lied to in order for someone to take a payment. Additionally, I have not received any communication, or an updated bill since I started paying on XXXX.
I 'm a veteran XXXX vet, there is a law in place right now and has been that when ever a 100 % veteran enters a non-va medical facility for services they contact The department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX for payment, they do n't do this they send it over for collections then it ends up on the veterans credit report, if it only takes me 2 minutes to get this information as big as medical facility is why ca n't they do the same thing I 've written you about this same situation in 2013, so I 'm gon na give them info again. Whenever a vet comes into your facility in Michigan contact XXXX, and quit making it so hard for us veterans. XXXX in this dept said XXXX hospital never contacted them about this bill. I 'll send over all supporting documentation.
I like many others was a possible victim of the cyber attack on Equifax that has been recently reported on. However, instead of being able to tell me whether my identity has been compromised they vaguely stated that I may have been subject to the hack. They then gave me an enrollment date for a monitoring program at their affiliate. They want me to follow up on their mistake and sign up for a program that will only mitigate the risk of fraud for the first year at no cost. Essentially they are using this error to get more business for themselves.
Did not receive notice of right to dispute. I have a dispute with a pressure cleaning company who damaged my house paint by using chlorine. I intend to sue them. Debt collector should have given me a notice and right to dispute prior to attempting to collect debt.
My identity was stolen and an unidentified person has my personal information. This unidentified individual has purchased a vehicle at XXXX in Indiana under my identity.
I have not released any of my medical information to any 3rd parties this is illegal under HIPAA rights
I have asked Equifax to correct my name and they have failed to do so. My name is XXXX XXXX. 
Equifax keeps sending me a response with : XXXX XXXX XXXX. That is NOT MY NAME. I need my personal information updated as I believe the other persons information is impacting my credit.
When applying for my mortgage I was advised that my Navient student loan was showing delinquent for earlier this year. I was confused as this account has been in deferment. I quickly contacted Navient and they advised me that it was indeed an error and would be correcting the deferment ASAP. They will not provide me a letter stating the correction was made other than the account is now back on deferment. They stated that the credit history would be corrected on the next reporting. The problem is, Navient only reports once every quarter which is too long because my home will be ready in less than 30 days. They advised me to place a dispute with the bureaus, which is ridiculous as the error lies with them not the bureaus.