WillisBack/dataset-financial-user-claim huggingface dataset:
Back onXX/XX/XXXX six transactions in the amounts of {$69.00}, XXXX, XXXX, XXXX, XXXX, and XXXX were supposed to be disputed from XXXX due to me not receiving the merchandise. As a result, the representative informed me after receiving the other dispute forms for the transactions XXXX, and XXXX that i have nothing to worry about the other 6 disputes was taken care of. as a result 5 months later after constantly calling XXXX XXXX and the merchant XXXX i never received my refund or my merchandise i spoke with someone on XX/XX/XXXX by the name of XXXX who was a supervisor who made the horrible comment of " it 's nothing we can do about these other disputes because it is out of the 60 day time frame ''! I stated to XXXX how dare you put the blame on the customer because of the employee mistake because i specifically told the representative about the other 6 disputes so clearly it is not my fault. let alone i included the other 6 disputes on the second dispute form that they 've received and still stated that they 've never received it.
I sent a letter dated XX/XX/18 to XXXX 's disputing my account being reported as a charge off. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. After I received that letter from XXXX XXXX, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions an account that is reported on a credit report, and mark the item as being disputed within 30 days. This account was marked " Election of remedy-reported by subscriber '' from a previous dispute through XXXX regarding this account. I received a letter from XXXX XXXX dated XX/XX/18 that stated that XXXX XXXX was unable to process my request with the information I provided. I pulled my XXXX report again on XX/XX/18 and my account was marked " Account in dispute-reported by subscriber ''. I also sent letters to XXXX, XXXX, and XXXX on XX/XX/18 disputing the validity of how this account is being reported and all three credit bureaus reported the account is being reported correctly, and this account was marked " Account in dispute-reported by subscriber '' on my XXXX report. XXXX 's has violated section 623 ( a ) ( 3 ) of  the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting this account be removed. Please see attachments for all correspondence.
None of the above choices applies to the situation I 'm complaining about. Therefore a " yes '' or " no '' answer to the question, " Have you disputed the issue with the credit reporting company .... '' is not possible. The credit reporting company ( Equifax ) has PREVENTED my attempts to dispute directly with them. Here is the complaint : Using XXXX, I discovered a collection account on my Equifax credit report that I wish to dispute. I attempted to use Equifax 's online dispute form to initiate the dispute. 
The Equifax dispute form requires a XXXX-digit confirmation number. In other words, I would have to purchase a credit report from them in order to initiate the dispute. That 's my complaint : There 's no way ( that I can discover ) to initiate an online complaint with Equifax without paying them money.
I AM NOT ABLE TO ACCESS MY CREDIT REPORT WITH MY EQUIFAX COMPLETE ADVANTAGE MEMBERSHIP THAT I PAY {$17.00} MONTHLY FOR AS THEY HAVE LOCKED MY CREDIT FILE TWICE NOW ONCE ON XX/XX/2016 AND AGAIN ON XX/XX/2016 AND IT IS STILL LOCKED.
Date : XXXXXXXXTo : SPECLOANSVXXXX XXXX XXXX XXXX XXXX XXXX CO XXXXFrom : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXRe : QWR Error Resolution Notice under 12 C.F.R. 1024.35Mortgage Loan Number : XXXXI am writing to request correction of the error 's described below in regard to the mortgage on my property at XXXX , VA XXXX. 

1. Failure to provide accurate information about loss mitigation options. I was advised that I qualified for a loan modification under the XXXX affordable or hamp program and that I needed to fall delinquent on my payments. I made payments and those payments were not applied to my account which caused further delinquency and fees. 

2. Failure to Credit multiple payments correctly to my mortgage loan account on the date that it was received by Special Loan Servicing and incorrect reporting of XXXX day late. The below dates being reported incorrectlyPayment Errors : Incorrect Reporting of Delinquency. Loan was never XXXX days delinquent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Identity : Please provide to Identity and or contact information for the owner or assignee of the mortgage within XXXX business days. 

Desired Resolution of Error : Please update credit report to reflect the actual account status of current XXXX - XXXX. I was never past due as I was on a Interest Only ARM. Please remove all delinquent history and update my mortgage history as current for the above mentioned dates. 


If you need to contact me, I can be reached on my Cell at XXXX and my mailing address is XXXX VA XXXXSincerely, XXXX XXXX
I have 2 different deragatory marks on my credit report that I am disputing because they are false One on the XXXX end for {$3900.00} and one on the XXXX side for {$2100.00}. I have paid and continued to pay the direct hopsital on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted Gold Key directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.
XXXX XXXX Social Security : XXXX On XXXX XXXX, XXXX I logged in to my online Regions Checking account to find that a direct debit in the amount of XXXX ( appx ) had been debited to my account causing a balance of XXXX. Then my two auto drafts for my car and house insurance came through and caused the account to be in overdraft. 

I called the customer service line and the only explanation I could get was that someone has evidently written a cashier 's check and brought my account balance to zero. 

On the following Monday, I went to my local branch in XXXX, XXXX XXXX see if they could help me figure out what happened. They called the XXXX XXXX XXXX branch of Regions in XXXX, XXXX XXXX branch manager is XXXX XXXX and he told them that because I did n't have a physical address on file, they automatically closed the account. He also stated he had tried to call me ( I never received a call ) to obtain my physical address. So my account was closed and I couldnt reopen it and the Regions branch in XXXX, XXXX XXXX to open another account for me but I was so upset I said no. I went to XXXX and opened another checking account. 

A few days later, XXXX XXXX the branch manager from XXXX, XXXX XXXX called and apologized and said it was a lack of communication between himself and another employee. He stated that my account balance would be mailed to me and to this date ( XXXX/XXXX/XXXX ) I have not received a check. I am very upset and if this does n't get resolved immediately, my next step will be to take legal action against XXXX personally and Regions bank. I realize that it is a small amount of money but it is the principal of the matter. I hope Regions does n't do this to many other people. 

I need two things from Regions : 1. My account balance returned to me 2. A statement from Regions stating Regions closed the account so my insurance company will charge off the overdraft charges to my account. 

My current mailing address is XXXX XXXX, XXXX. XXXX XXXX, XXXX, MS XXXX. XXXX
I recently switched bank accounts and didn't remember to update my PayPal account with new info. As such it temporarily went into a negative balance ( tried to withdraw from my old account which was denied, plugged in new account like the next day, withdrew from new account, all is well ). 

An unknown number called me this morning with a very serious person telling me they were calling to collect a debt owned by me to PayPal. I told them I had already paid and the balance is showing up as " pending '' on my PayPal account. They told me I was wrong and I needed to pay right now - so I just hung up. 

Trying to collect a debt in such an aggressive manner is one thing, but trying to collect a debt that has been paid already and trying to argue over that is not good.
In XX/XX/2017 I call USAA Saving Banks and requested to closed my checking account. I was told by a representative that I had pending charges and once they cleared they would send me a check in the mail for the remaining balance. I received the check and later cashed it. A few months later I received a notification that a late payment was reported to the credit bureau. I checked that notice and it was from USAA Saving Banks reporting that I owe them {$10.00}. They have been reporting me late for the last few months on an account that I closed in XX/XX/XXXX and received a refund from. I have enclosed a copy of that check in my dispute.
I was challenging a bill with my insurance company, XXXX XXXX, and had an escalation in place. I received a phone call stating that the " escalation had been resolved '' and the company was sending me a letter of resolution. However, I never received the letter, therefore I was unaware the insurance company had decided that my request to dismiss the charge was denied. I received no further communication from the company regarding this debt until I got a letter from a collections company 6 months later. I have contacted the insurance company about this issue and even though the representative confirmed that the resolution department had the wrong address on file, the billing department wo n't pull my debt from collects until I pay. All I want is my bill removed from collections, so it does n't negatively affect my credit.
In XX/XX/XXXXmy wife and I obtained a divorce. I have three accounts with XXXX XXXX XXXX ( Personal Account - XXXX  ( jointly with wife ) ; XXXX XXXX Account -  XXXX  ( wife not on account ) and XXXX XXXX XXXX   Account - XXXX ( wife not on account ). In XX/XX/XXXX, I had my ex-wife removed from my Personal account. Because my ex-wife had on-line access to all of my accounts, she was able to make unauthorized on-line withdrawals from all three of my accounts to pay for her XXXX Credit Card ( XXXX XXXX ). XXXX XXXX XXXX  in XX/XX/XXXX processed a withdrawal for XXXX XXXX   in the amount of {$15000.00} and on the next day XXXX XXXX XXXX reversed the unauthorized on-line withdrawal for the same amount because my ex-wife had been removed from my Personal Account - XXXX. Then in XX/XX/XXXX andXX/XX/XXXX, XXXX XXXX XXXX processed unauthorized bank withdrawals to XXXX XXXX  in the amount of {$15000.00} from Account XXXX. From XX/XX/XXXX toXX/XX/XXXX XXXX XXXX XXXX  allowed unauthorized withdrawals to XXXX XXXX in the amount of {$310000.00} from my XXXX XXXX  Account - XXXX
I received my credit score for free, but agreed to pay {$1.00} to receive the physical report. 
About a week later I was charged {$17.00} and contacted my bank to dispute it only to find out that I had been charged a monthly recurring charge of {$17.00}. I was able to dispute it through my bank, however, it has caused me to cancel my debit card, order a new one, and change all of my direct deposits, automated bill pays, etc.
A couple of months ago I tried to dispute a debt that was reported on my credit by Alco collections. The debt is a debt that is not owed by me. Me and my fianc at the time were renting a house things didnt work out we both agreed to split. We both talked with the property manager and she agreed to remove my name off of the lease and to change the locks. I didnt have a key to the property. He still lived there. He had an unpaid balance when he left the house and it reported on my credit also. Last year in XXXX I contacted the property and the manager wrote me a letter stating this debt does not belong to me. It still reports on my credit. I contacted the collection agency sent in the document that the property manager typed for me. He was very rude and unprofessional. He was supposed to get back with me and never did. My ex fianc even tried to contact him to explain that this was his debt. Hes hung on him several times. Today I called again and he returned my call a couple hours later. I explained to him that its been a month and he still hasnt gotten back with me after the investigation. He rudely says its your debt! I tried explaining to him again the situation he cuts me off says Ill send you the paperwork and hangs up on me. I called back several times and left messages. No one from the company will even return my call. I even offered to give him my ex fianc number to call and he hangs up on me. This is over bearing simply because I can not rent or buy with this debt of XXXX $ on my credit that doesnt belong to me. XXXX XXXX XXXX is one of the rudest and inconsiderate people Ive came in contact with and he should not be employed there.
I disputed with XXXX, Equifax & XXXX the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. 
I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.
In the year of XXXX I was working XXXX jobs to go to school and try to keep a roof over my head as we had just moved in our hruome in XXXX and my husband was alive at that time. My husband died on XXXX XXXX, XXXX and I had all the responsibilities of maintaining my home, paying all the bills and attempting to complete my college education so I could get better employment or go into business for myself. I got hurt on my job at XXXX and could no longer work XXXX jobs and tried to work at my XXXX job. Because my injuries were as such I could no XXXX and my supervisor refused to reassign me to XXXX floor my doctor recommended I leave this type of employment which was hindering my healing of my injuries and my financial problem worsened, my home went into foreclosure and my bills became behind while my medical bills increased in costs and my health worsened. I could no longer pay my students loans in a timely manner. I graduated on a XXXX at age XXXX and have not held a regular job since. I am now on a XXXX at age XXXX and can not work any where due to the recent stay at the XXXX XXXX and was recommended I go to XXXX, My XXXX doctor completed the required forms three time and I was sent another letter for him to complete ( see attachment ) which he is willing to do. Meanwhile I am getting repeated calls from various school loans creditors to bring my school loan account up-to-date. I can barely purchase food, my medication or pay my bills since I can not work. I was told by the Department of Education that a letter was sent on XXXX XXXX, XXXX to make the school loan creditors aware not to continuously call me as they were reviewing my eligibility for XXXX status. I told the school loan creditors this fact and they told me " I am not aware of this letter! '' The calls are still coming at a greater rate than before I was told it was sent. I was in the XXXX XXXX on XXXX XXXX, XXXX until XXXX XXXX, XXXX with XXXX XXXX XXXX of XXXX, I am now on a XXXX from the XXXX telephone calls regarding my inability to pay my student loan as much as I would like too work again and pay all of my bills.
Opened account in 2013. Name on card is using my middle and last name. Attempted x3 to get name corrected, but they never corrected it. However, have been using card since 2013 regularly. 
Suddenly card did not work, so when I called, and was told there may be fraud on account, but can not tell me the charges, nor could I go online anymore to verify my account and charges. I told them I have a credit score of XXXX and want to make sure they do not charge late fees or report my account late if I can not go online, have no statements nor can they verbally verify purchases. Nor did they contact me in any form that there were possible fraud charges. I called them when the card didn't work. They said they had to authenticate me, so I went to a website under their direction, did a video and took a picture of my drivers license, they asked me my date of birth, address and SS # and after all that and 1 hour later, said, oh, we can't verify you, but I could make a payment over the phone. I said make a payment to what?! What are the charges? Still they couldn't tell me the charges. Then they said I could send my drivers license and social security care to a PO box . Geez! Really? I asked for a physical address and was going to send it registered mail receipt requested. I have sent in before my drivers licences but they have not taken care of. Now they have my drivers license and a video but still that was not good enough. Just make a payment to some random charges that may or may not be mine! What difference will it be that I sent my drivers license electronically and then the mail 3 previous times and now a copy of my social security card! They worry about fraud and security but send a copy of my drivers license and social security card through the mail to a PO Box . Now does that make senses? Also, it is illegal to ask for monies for something the consumer is unaware of what the charges are for, this is extortion. They are holding my good credit reputation hostage and pay up or else ...

I want my account unblocked to review the charges, or get a statement of the charges, or verbally be told what the charges are for, then once I verify I will pay for what I am responsible for, pretty simple. But have been on the phone 2 days, recorded calls
Fedloan Servicing has not been crediting me for the payments I 've made since XX/XX/2016
Fay servicing respond to the complaint, and only resolved 1/2 of  the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to Fay on XXXX occasions ). This ongoing issue with Fay is  hurting our credit score and the ability to get a mortgage. Below is the email that I sent to Fay on XXXX occasions, going back to XX/XX/XXXX. Hello XXXX, Once again thank you for sending the summary / account activity report on our account. Please note the following as to our account. We have been and continue to make XXXX payments per month. Each payment is for {$1200.00}. We have been making these XXXX payments per month for over XXXX  years. Per your predecessor, XXXX XXXX XXXX, your company did not process the XXXX payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account. The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. In closing the following corrections should happen to our account. 1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments. 2. Our account should not show ANY late payments. Thank you in advance for correcting these errors on our account. Please feel free to contact me with any questions. Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!! 


Above is the information from my past complaint ... XXXXThis is STILL NOT FIXED ... there should be zero late payments showing ... .This is crazy as they ( Fay ) have not fixed all of the issues. ....
I have been trying for quite a long time to get a XXXX XXXX collection item removed from my credit report. I have NEVER had any consumer relationship with XXXX. I have been with my mobile provider ( XXXX ) since XX/XX/XXXX and I 've had the same phone since that service began. 

I have written Pinnacle ( Resurgent Capital Services ) before, most recently was XX/XX/XXXX and I demanded validation of debt. All they sent me was a XXXX billing statement with some small printed terms and conditions. Nothing signed, nothing proving it was me. The reason being is because they ca n't. Such documentation does not exist because I have never done business with XXXX. 

I am sending them yet one more letter today as my last written attempt to get them to delete this item once and for all. There is no point in me asking for better documentation because again, it does not exist. 

I am turning to you, the CFPB, to come in and save the day here for me and my family. I am a very credit conscience person and this derogatory trade line is impacting my ability to create new relationships with prospective lenders and I 've taken all the necessary steps to rectify the matter, but to no avail. Please act swiftly enforce some action here, I 'd be greatly appreciative of your efforts. 

Sincerely, XXXX XXXX XXXX
I recently opened an account with Wells Fargo bank. The account was opened inside of the branch, and the opening process was fairly easy. Upon opening the account, I was provided with a temporary debit card in order to have immediate access to available funds. The day following the opening of the account, I made several unsuccessful attempts to use the debit card. I called Wells Fargo 's customer service and informed them of the situation, and was told the issue was due to an earlier data breach, and that I was to go to the nearest branch and request another card. Per Wells Fargo CS instructions I went to the nearest branch, told a banker of the situation and was issued another card. I immediately went to the teller to make a deposit, but was not able to make any transactions due to a hold on my account. I went back to the banker 's desk to find out the reason for the hold. After hours of searching and conversations with SEVERAL departments, I was told the hold was due to alleged " misuse '' of an account from 2008 reported by XXXX XXXX ( according to Loss Prevention ), but was not given any other information. I repeatedly stated that I NEVER had a banking relationship with Wells Fargo, and requested the account information for the past account. I also contacted XXXX to request information on the supposed report, but was told XXXX had NO KNOWLEDGE of the alleged report. I returned to Wells Fargo the following day to inform them of the inconsistency of information provided by the Loss Prevention department. And after several more hours of research, I was told by a banker the account in question was in fact with Wachovia BEFORE the acquisition of the bank 's accounts via Wells Fargo, and that they had no other information ; no account number, no NOTHING! The bankers are basically echoing what Loss Prevention is saying, and NO ONE has been able ( or willing ) to give further information. The account with Wells Fargo is effectively closed, which is a NEGATIVE reflection on my banking file! This practice of PIGEONHOLING with NO real information is UNFAIR and UNREASONABLE, especially since I 've NEVER banked with Wells Fargo. Furthermore, I find the lack of record keeping and POOR CUSTOMER SERVICE APPALLING!