WillisBack/dataset-financial-user-claim huggingface dataset:
i sent my first letter asking for my signature proving this is my debt. first letter was mailed by certified mail on XX/XX/XXXX. they replied saying that they are not required to show proof other than a printed statement. letter # 2 was mailed on XX/XX/XXXX once again only a printed statement was given too me. and a threat by them too take further action against me. i would greatly appreciate assistance in resolving this matter. the account # is XXXX they are saying is mine and that i owe {$190.00}. but they are refusing to provide documentation bearing my signature.
I received a statement from Chase XXXX Mileageplus credit card for an annual fee of {$95.00} for a credit card ( account number XXXX XXXX XXXX XXXX ) that I had not applied for. On XXXX, I called Chase customer service and was informed that an application for the credit card had been received. I informed them I had not applied for this account, which apparently had been opened in XXXX, and they closed the account, which had seen no activity, and later waived the annual fee. I was told that all records related to this account would be sent to me, but to date, I have not received the application or any other documents related to opening this account. Knowing the recent XXXX XXXX scandal regarding the opening of unauthorized accounts, I am suspicious that Chase may have been doing the same thing. I am writing to make you aware of this incident in case others have also been victimized in this way. 

I filed reports with the FTC and my local police department and notified all 3 credit monitoring agencies about the fraudulent card. I then placed security freezes with all 3 credit monitoring agencies, and extended the freeze earlier this month. According to the Virginia Attorney General 's Office, I have the right to obtain documents relating to fraudulent transactions or accounts opened using your personal information. I sent a follow-up letter on XXXX XXXX, to Chase again requesting any records and have received nothing from them. 

I am concerned that Chase may have initiated this fraudulent account in that the account was opened with my correct home address, which seems odd if someone were trying to steal my identity. Also odd is that no transactions were made, even though it was a month before I discovered the fraudulent account. Please note that I do not and have never had a credit card with Chase.
I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.
Benefit Claim Number : XXXX Card Holder : XXXX XXXX XXXX : Chase XXXX XXXX credit card Summary : Dispute for travel reimbursement for medical emergency Contact : XXXX XXXX My wife, XXXX and I ( XXXX ) purchased flights on XXXX using our credit card number ending -XXXX on XX/XX/XXXX. XXXX completed XXXX school and we were moving from XXXX to XXXX XXXX. Flight and baggage fee total {$190.00}.

On Thursday, XX/XX/XXXX, XXXX XXXX, sustained injury to her XXXX XXXX  XXXX. She was rock-climbing at XXXX XXXX  in XXXX XXXX when she fell off the wall and hurt her XXXX. Ambulance took her to XXXX XXXX Hospital where she underwent XXXX and tests. She sustained incredibly painful XXXX XXXX. Doctors note is included, and she was unable to fly across the country the next day on FridayXX/XX/XXXX because of extreme pain.

Chase XXXX XXXX has travel reimbursement for medical reasons, but they wo n't approve our case. We have filled out all requested information that we can. Chase Claims Benefits requests a doctor complete their Physician 's Statement. We have reached out to XXXX XXXX Hospital several times by phone and email, but billing and administration can not / will not help us. This is the Emergency Room, and they can not get the emergency room doctor to complete the Physician 's Statement. We understand their inability because Emergency Room doctors are very busy saving lives.

Please help us.

Best, XXXX and XXXX
I was admitted to the ER at XXXX XXXX XXXX HOSPITAL on XX/XX/XXXX. After being there approximately 1 hour, they discharged me stating I had a XXXX and nothing could be done. Eventually I received an ER bill in excess of {$5000.00}. When I applied for XXXX through the 'brand new ' ( at the time ) XXXX XXXX healthcare exchange, a number of problems occurred outside my control with the system and it 's implementation. Eventually, XXXX corrected the errors and said they would pay for my bill. By the time they admitted to their mistake, the hospital sent my bill to a collection agency. 

I contacted the collection agency with a Eligibility Letter of Authorization dated XX/XX/XXXX where they told me they " could not send paper bills '' and " tried to charge XXXX electronically but were denied. '' They requested that I, as the consumer, bill XXXX directly and just pay them with my own money as I could be reimbursed by XXXX. This I know is not true. They are refusing to use the actual way to pay the bill.
I attempted to review copies of my annual report from the XXXX credit report agencies through AnnualCreditReport.com and each offered different convenient reasons why they would not deliver the reports
I lost my job and filed for XXXX in the state of XXXX My first check was deposited to an account that had been closed for an overdraft of {$60.00}. PNC closed my account ( I had been a customer for close to ten years ). When I learned my XXXX check had been deposited to that account, in error, the PA Treasury told me that became an issue between me and the bank. I then contacted PNC bank and was told my account had been closed by them in XXXX, 2016 and outstanding balance was turned over to collections. I asked what happened to my check and was told it was " rejected ''. This information led me to assume that the check was returned. I then contacted an individual named XXXX XXXX at the XXXX and attached the email I had received from PNC bank. She told me that PNC kept the money and I would receive a check for the difference. My two questions are as follows- 1. How can PNC keep my XXXX check when I do n't even have an open account with them? 2. Why is n't the XXXX required to obtain new account information when opening a new XXXX claim? This practice is unacceptable and very unprofessional. Thank you
Please explain why a representative from ECMC called my parents ' house today, XXXX XXXX, 2016, and what they wanted to speak with them about? As you had stated in your prior correspondence that you did not disclose information about my loan to anyone you called, please confirm what you wanted to speak with my parents about? Please also state what the purpose of calling them is ( outside of the incorrect answer that federal law requires this ), when you have confirmed you are in contact with me and I have specified since last year my desire for communication via my email address, you have my current address which confirms I do not live with them, and they are not cosigners to my loan or would have any knowledge whatsoever in regards to my loan. Please confirm how many times you called my parents?
I have dispute item, Bankruptcy Ref. # XXXX ( dispute report number XXXX ) twice. Once on XX/XX/2018 and again on XX/XX/2018. Each time, Experian has responded with the following statement, " The company that reported the information has been certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' They will not provide the identify the third party vendor ( if any ) who verified/validated the public record - Bankruptcy Ref. # XXXX, along with the vendors written validation of its accuracy during the investigation ( report # XXXX or report # XXXX ) I have contacted the United States Bankruptcy Court for the XXXX District of Virginia which confirmed the court does not furnish information to credit reporting agencies. ( Documentation attached ). 

I am requesting the removal of the bankruptcy ( below ) on my Experian credit report due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. XXXX  XXXX XXXX , XXXX, I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX  has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as soon as possible. 

Please identify the third party vendor ( if any ) who verified/validated the public record - Bankruptcy Ref. # XXXX, along with the vendors written validation of its accuracy during the investigation ( report # XXXX ) or removed the public record.
Credit card was a student card. While I was living on my college campus, all of my information was stolen ; along with the card. When I saw activity on the card that was not mine, I called the bank immediately. I not only had a credit card, but a regular checking and savings account as well. Wells Fargo stated how sorry they were and told me they would do everything they could to help. After numerous attempts and calls, nothing was done. I went and closed all accounts within 30 days of no help. Despite multiple calls informing them of the situation, and false promises, I ended up having to pay almost {$350.00} worth of debt from my checking account because they threatened to send me to collections. All debt owed was due to overdraft fees that I did not cause. Wells Fargo continued to harass me concerning the credit card for months. When sent to collections, they told me if I did not make any type of payment plan, despite my card being stolen and charges owed were not mine, that they would sue me personally for the debt owed. I began to pay the debt monthly for {$50.00}. Around XXXX of 2015 I received a call from Wells Fargo asking to pay the debt in full. I told the representative that I already was paying a monthly payment for debt that I did not cause. She then proceeded to ask how much I was getting in tax returns. I became upset due to the fact that since I was already paying monthly, I felt violated that she was asking about my personal business when I already had a current obligation to pay. After a few months of continuous harassment, I finally asked to speak with a supervisor. I explained to him every detail that happened from the beginning. After stating that I had planned to get my family lawyer involved, and due to all that I had gone through, he informed be the debt would be removed from my credit report. Upon recent investigation into my credit report, Wells Fargo has not removed the collection from any of the credit bureau 's. The account status states, Closed-Derogatory. I previously disputed and the remark states Charged off as bad debt Dispute resolved ; customer disagrees. This was not the original agreement I had with the supervisor.
ATTENTION DISPUTE DEPARTMENT : CONVERGENT Coi Opened XX/XX/XXXX + {$380.00} Original creditor : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CONVERGENT I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
On XX/XX/XXXX Wells Fargo closed my existing credit card tied to my bank account and re-issued a new credit card transferring the existing balance of the old card into the new one. Wells Fargo did not alert me of this change, nor did they link the new credit card to my bank account. Due to the fact that the new card was not linked to my bank account, I did not see any open balances when I did my routine weekly online banking check. 

It wasn't until the following month ( XX/XX/XXXX ), when I received a statement by mail saying that I had a delinquent, {$300.00}, payment, that I was made aware of this situation. I then called Wells Fargo and immediately paid off the balance. I let them know of the situation, I paid off the balance and demanded that they link the account to my online banking so I could set up automatic payments as I had done in the past. I also asked if they could please write a note about this so it wouldn't appear on my credit score since it was their fault, and they said they would write a note on my account to try and prevent this.

However, my credit score has now been lower for several months due to this late payment on an account that was created to replace an old account without Wells Fargo having alerted me, or informed me of the money that was due or the new account.

Please help me fix my credit score.
I had several fraudulent charges appear on my account. 
All charges happened at the exact same time and fro the exact same ammonts {$100.00} each. 

I did not make or authorize any of these transactions. 

I opened a dispute with PayPal and was quickly denied any recourse.
On  XXXX / XXXX / XXXX  we received an escrow statement from our mortgage company. It stated that we were short in our account due to an increase in taxes and that we would need to come up with {$4000.00} to cover the increase. We immediately called our mortgage company they said that they could spread the payment out for 60 months to cover the cost. However, this would still in increase our mortage payment. And we could end up facing another financial hardship if taxes increased in the future. We were also offered the option of refinancing into a conventional loan with 20 % down. Since we do not have 20 % for dnpymnt. They looked into our equity, and found that we do not have any equity in our home. And becuase the seller increased our purchse price by {$25000.00} it depleted any anticipated equity. They looked at possibly removing our PMI, but they found that the terms of the loan had a non-removable PMI that had been planted into the loan 2 years prior to our opening our mortgage. These were loan terms that we had not negotiated or agreed to. We purchased a new   XXXX   home in  XXXX , so obviously we could not have negotiated a mortgage that existed in  XXXX . At the time of our purchase the seller, nor the mortgage disclosed to us that we were getting what seems to be " assuming a mortgage. '' It was our understanding that we were getting a new loan with a  30-yr fixed rate. Initially this note was affordable for us, but at this point it is more than we can afford. We even tried talking to our local tax assessor office. We took the homeowner tax exemption, unfortunately, because the taxes are so high, the tax break has minimal reduction in our mortgage payment. Homes our not selling in our area, and  yet our taxes are rediculously high.
My bank is n't sending updated information to XXXX XXXX. Cant take out any money until that happens.
I think that Suntrust opened and closed accounts in my name that I was unaware of, then charged me overdraft fees for those accounts. I think this took place in the XXXX - XXXX time period.
Ive been always paying my mortgage on time. In XX/XX/XXXX, for some reason, the mortgage company didnt receive my payment on time. The payment was a check from my bank account which was mailed to the Mortgage Company by XXXX XXXX. The mortgage company mailed me a Delinquent Notice. When I called them, they said that they did not receive the check. The manager who I was talking to her on the phone, suggested me to put a stop payment on that check and she charged my debit card over the phone for XX/XX/XXXX payment. I did that. She also charged me a late fee. I told her it was not my fault that the check was lost. But she charged me late fee anyway. 
Since then, they keep sending me letters and calling me for being behind on my payment. They keep charging me late fees. They are threatening me to report the late payment to the credit companies. Ive been on the phone with the mortgage company almost every week since XX/XX/XXXX. I emailed them a copy of my bank statements showing that the money came out of my bank account and was sent to the mortgage company every month. I also emailed them a copy of the confirmations showing that they received the money every month. But I couldnt fix the problem. I talked to and emailed the supporting documents to several managers but every time, there is a new person and he/she has no record of my previous emails and conversations. I have to send the supporting documents again and again. 
I also contacted XXXX XXXX and I called the mortgage company from XXXX XXXX branch. A banker and I talked to a manager at Loan Care and the banker told her that I made my payments every month. But she didnt listen. I filed a complaint with XXXX XXXX. XXXX XXXX mailed me the Transaction ID # for 2 of my payments. They said the third Transaction ID # is from a different department and they will mail it to me. I am waiting to receive the third Transaction ID # from XXXX XXXX in the mail. I dont know what else to do?
I have repeatedly requested that Portfolio Recovery Associates , LLC / XXXX provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
My original loan was with XXXX who sold out to XXXX XXXX XXXX who sold my loan to GreenTree Mortgage AFTER I went through the process of a mortgage reduction program. I had to file a complaint to get my reduction program loan closed because they were holding my entire financial world in limbo for over a year, hurting my credit, when a loan should be closed within 30 days. It was ridiculous but it helped eventually because we get {$1000.00} cut from our principle ANNUALLY if we pay on time and I do BUT now that it 's been transferred to GreenTree, they are intentionally trying to make us late on payment by not sending us our invoice in time. I have been paying ahead of the invoice because I never receive it in time to prevent late payment which is a HUGE XXXX BUSINESS TACTIC. Even though I sent my payment ahead of invoice receipt last month, the payment was n't posted as received until seven days after it was due on the first which is a lie. They are trying to cheat me out of the program 's {$1000.00} annual principle reduction. This whole program is XXXX trickery and I want the fined to the hilt for what they are doing to us. There are XXXX of us on these loans and I 'm CERTAIN that I am not the only one suffering this. Make them give us what they promised because we are never late on our payment. They 're MAKING us late on PURPOSE by holding invoices and payment on receipt in order to prevent having to keep their promise of annual principle reduction of {$1000.00} for on-time payments. Regardless, I want my invoice sent out ON THE DAY they receive a payment to prevent it ever been later than the payment due date again. This is insane.
I'm.going thru hardship on my bills. My mom passed away few months ago. Was her caregiver good son. Im.hoping too get this months payment waived. I've always been on time. Just need a break. Going thru alot. Not easy
BMO Harris is the issuer of my car loan. I've submitted a complaint about them before but I just got off a recorded line with XXXX. I called in at approx XXXX on XX/XX/XXXX. The issue is that they tell customers that they can make a principal only payment to their loans through the website, which they can not. I have had additional interest hit my account because of the false statements and unwillingness to comply with a correction. I've asked for them to go back and adjust every over payment and apply it to principal, instead of simply toward the next payment. A few months ago I spoke with a women who attempted to understand the issue and got caught up in her own lie, I asked for a supervisor to call me. I never heard from them. Compound interest is a powerful thing. Especially when used against people who don't understand it.
I am a long time ( about 10 years ) mortgage customer with Wells Fargo. All of my mortgage payments were paid on time for more than the required amount. I moved to another state within the last couple of months. During the movement time a payment was missed for my mortgage. When I received notice from Wells Fargo, that is was late, it was already beyond the 30 days. So they reported me to the credit agencies. I paid it as soon as I received the notice. I also paid the late charge. Wells Fargo is refusing to consider removing the mark on my credit for this XXXX and only late payment. What makes it worse, is that it drops my credit score by XXXX points. Now making me not eligible for a mortgage loan. I would not think even Wells Fargo would intent to cause this much harm on my credit for XXXX late payment. 
The house is being sold this month. But I ca n't buy another house because of XXXX late payment. Please help!
This is a follow up to complaint XXXX - Wells Fargo has called and left message to call them back. We do not wish to talk over the phone and request all correspondence in writing since we will take them to court if needed. 

One of our main issues with them is the differences in communication on the phone and in writing. This is not acceptable and we should ask our calls reviewed during the discovery. 

We know we can not be the only ones who are in this similar situation - are you aware of a class action that we could join?
I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change