WillisBack/dataset-financial-user-claim huggingface dataset:
This is in response to clarify in simpler terms what my dispute with Chexsystem is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following address 's I am here and now disputing as address 's that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX XXXX- My Parents Address NOT MINE!!!! 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX. 
Please delete these address 's. Now concerning the inquiries that you have listed on your consumer report to me please delete these following inquiries because I did not authorize those Financial Institutions to look at my personal information:1. XXXX XXXX XXXX XXXX Date of Inquiry XXXX2.PNC BANK Date of Inquiry XX/XX/XXXX3.XXXX Date of Inquiry XX/XX/XXXX4. XXXX XXXX Bank Date of Inquiry XX/XX/XXXX5. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX6. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX7. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX8. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX9. XXXX Date : XX/XX/XXXX10.XXXX XXXX Date XX/XX/XXXX11. XXXX XXXX Date XX/XX/XXXX12. XXXX XXXX DAte XX/XX/XXXX13. XXXX XXXX XXXX Date XX/XX/XXXX14. XXXX XXXX Date XXXX15. XXXX XXXX XX/XX/XXXX16. XXXX XXXX XXXX Date XX/XX/XXXX17.XXXX Date XX/XX/XXXX18.XXXX XX/XX/XXXX19. XXXX XXXX XXXX Date XX/XX/XXXX20. XXXX XXXX Date XX/XX/XXXX21. XXXX XXXX Date XX/XX/XXXX22. XXXX XXXX Date : XX/XX/XXXX23. XXXX XXXX XXXX XXXX Date XX/XX/XXXXPlease Delete all those inquiries I have included the consumer report that you sent me and I have attached my Drivers License and my utility for verification of myself and my address
Nation Credit Systems is saying that I owe a debit of XXXX to XXXX XXXX XXXX I left that apartment with fly colors and decent history I also have my move out statement And they not remove the debit after several attempts
in 2012 I received notice from chase mortgage that my insurance underwriter moved out of XXXX My mortgage, in effect, doubled. It was approximately 4 to 5 months that had passed when I realized this had occurred and my payments were being held in suspense and I was being penalized. I paid a higher rate for several months, being assured that everything would be okay at the end of that period. It is not. I am in an escrow spiral I can not get out of and they are demanding over XXXX dollars a month starting XXXX. 

I am a mother of XXXX kids. It is XXXX. They will not be receiving payment. I have tried several times to pay them and they will not accept anything less than this amount.
As a victim of identity theft I have frozen the credit reports for myself and my wife several years ago. I was excited that I can now do the same for my minor child as part of the new law. This Minor Freeze should be free. 
With some difficulty I have now accomplished this with XXXX  and XXXX. However, I have not had any success with Equifax. They have the wrong information on their web site, which has been linked to in countless publications at : https : //assets.equifax.comXXXX   This link says to mail the paperwork to XXXX XXXX XXXX XXXX, GA. When I did this on XX/XX/2018 they rejected my request. They sent a nonsensical letter dated XX/XX/2018 that said I needed to send all the information I had already sent along with a fee. They also suggested I send to a different XXXX XXXX ( XXXX ) also in XXXX. I have called them several times in XXXX and XXXX, most recently, XX/XX/2018. Each time they tell me this address is wrong, and give me various other addresses to use, most recently XXXX XXXX XXXX in XXXX. They also tell me the proofs listed on the same form online are also wrong or incomplete. 
I believe they are making no effort to comply with this very important federal law because they have not even bothered to change the link to the PDF on their web site for this important process ( https : //help.equifax.comXXXX ). It has been two months and they have not bothered to fix this data on their site. They have also promised to call me back from a manager and have not done so. 
I am certain others have encountered the same difficulty I have. If they won't respond to me perhaps they will respond to your regulatory agency. Please help, I do not feel confident mailing our personal documents again to this company when they can not even get this basic information straight.
Card issuer, American Express, refuses to send me paper statements despite my request they do so. Their stated position is statements are available electronically and can be printed. Personally, I prefer to receive paper statement in the mail for review and as a payment reminder. I have incurred late fees for delinquent payment, which I will attribute to not being aware a payment was due. I prefer to receive paper statements in the mail as a way to manage my personal finances and payment obligations. I think card issuers should be required to provide paper statements if only upon request. Can you help me with this?
I tried to open an HSA ( Health Savings Account ) for my employee-provided health insurance. I was turned down by XXXX different banks because of bad data ChexSystems had allowed into my file. ChexSystems tells me that someone at another financial institution typed in my SSN with a completely different name as part of a credit inquiry. ChexSystems then flagged my file as so bad that I could n't even open a simple bank account. This affected my health insurance open enrollment, my participation in my health plan HSA, and cost me many extra hours of time and weeks to unravel with ChexSystems. The bad business practices of ChexSystems failed to detect this problem earlier, despite their systems having all the necessary information. Instead, they flagged me as high-risk at XXXX banks. I highly recommend that companies avoid using ChexSystems entirely. While this issue is now resolved, I hope ChexSystems will change their faulty business procedures to avoid harming consumers.
I schedule my XXXX mother 's bill payments to be " delivered by '' a certain date and her bank, Bank of America/XXXX, bank consistently sends them late, leading her to incur interest charges and fees. It 's not as if it 's a single credit card company that is failing to timely credit the payment on the other end. It happens with all of her cards and the language on the B of A/XXXX bill pay website clearly says, " deliver by '' and asks you to confirm that date twice before sending the payment ; yet, it arrives late.
TD Bank received payment for our credit card and wrote a completely different credit card account number on the check, thus the credit card is now default and reported late to the credit bureaus.
I bought a Nissan Altima XXXX in XX/XX/XXXX for my son. The car was totaled in XX/XX/XXXX. My insurance and Gap insurance Paid the loan. Through the same loan, the dealer was paid for maintenance for four years. Even though the dealer was paid for maintenance services that was never redeem, Nissan Motor Acceptance Corporation send me a bill without total the amount of money received from the insurances and the refund paid for maintenance services against the loan amount. 

When I contact them and asked for an itemized bills showing what was paid against the loan among, the customer agent get frustrated and said that I should accept that I own them and send me a letter without showing how they come with the total of the bill.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Sent me a bill offering to accept 50 % of the amount owed to XXXX XXXX XXXX XXXX XXXX XXXX service XXXX XXXX Account I do not have, nor have I ever had, a XXXX XXXX  account or any account with either XXXX XXXX XXXX, or XXXX XXXX  While XXXX debt collection may be a legitimate company, the loan itself does not exist and has never existed.
Portfolio Recovery Associates called my employer in an attempt to recover a valid debt, causing me stress, embarrassment, and conflict at work. They are also calling me about an invalid debt that I do not own as well. XXXX is very deceitful and ruthless -- after careful review of my credit report they are reporting as a " factoring company '' which is one who buys corporate receivables at a discount not a XXXX dealing in uncollected bad debt. This is illegal.
In XX/XX/2017 I worked with a company XXXX XXXX XXXX who " bought '' a credit card debt from XXXX XXXX. In a good faith effort to pay that debt and clear it up, I paid the " OFFER '' amount to settle it in full for XXXX out of XXXX owed. I paid the XXXX to the collection company on XXXX 's behalf and XXXX refused to and still refuses to show " settled paid in full '' according to my agreement with XXXX, XXXX who provided me with a letter stating " Settled in Full ''. 
IF XXXX is representing as XXXX XXXX collector than I should be given the curtesy of having my account reflect the fact that I did the right thing and paid the agreed Settlement amount.
I have utilized NetSpend Prepaid Card for approximately 6 years or more. In the time that I have had them, I was sent a NetSpend Premier Card in the mail. The terms for switching to the " new premier card '' as opposed to remaining with the original were supposed to be more flexible. I was supposed to be permitted to overdraw upto XXXX dollars. At occasions in which I truly needed the money, the card was declined numerous times in XXXX and XXXX. That particular cardholder benefit was not provided to me as advertised. Additionally, I was supposed to pay less in monthly fees. I was not assessed less fees. I have maintained direct deposit the entire time that I have been a NetSpend cardholder. While my direct deposit is consistent on specific days of the month, the date at which NetSpend collects the fees is not. It is sporadic and unpredicatable.
I am writing in response to a phone call on XX/XX/2018 because I do not believe I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : ( 1 ) the alleged amount of the debt ; ( 2 ) the name of the creditor to whom the alleged debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in Florida Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : because I have disputed this alleged debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the alleged debt or a copy of the judgment against me and mail these items to me at your expense ; You can not add interest or fees except those allowed by the original contract or state law.

you do not have to respond to this dispute but if you do, any attempt to collect this alleged debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this alleged debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this alleged debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
My wife had a small XXXX XXXX on her XXXX and did not pay the full amount to Dr because we were not able because of my spouse had to go on leave of absence because of a XXXX XXXX needing XXXX in XX/XX/XXXX this year.My spouse is a veteran and tried to get help from the va because of a XXXX XXXX due to damages inflicted by military service.However this request is still in appeal the collection agency Western Mercantile Agency , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX ph XXXX sent me a letter stating i owe {$690.00} plus {$100.00} dollars in intrerest for a total of {$790.00} dollars Stating that i have 20 days from XXXX-18 to pay in full or they will take legal action if so i would pay attorney fees and court cost.They also stated that interest would compound as long as debt was not paid.At the time of this letter i only work part time at XXXX XXXX and my spouse is on medical leave and only draws social security.I tried calling this agency this morning XXXX-18 and got no answer.can you help me? 
Thanks Mrs XXXX XXXX/XXXX XXXX spouse
All three credit reporting agencies are reporting that my balance owed on verizon is {$1000.00}. I have returned the equipment as of XXXX XXXX, 2015 and have attached proof of the return. XXXX was supposed to credit my account back for the merchandise XXXX after the return. It has been 90 days and they still have not done so. I need to update my account reflecting the returned items as of XXXX XXXX 2015. They have had ample time to process this information and it is negatively impacting my credit score. Aside from my small medical debt I have been current on all of my credit trade lines. This information needs to be rectified on Equifax , XXXX and XXXX asap!
After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. XXXX XXXX is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with Speedy Cash have received the bank statement months ago and refuse to make knowledge of such. XXXX XXXX provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.
Company who sold the debt to FCO was unlawful and broke Washington state law. Pursuant to the RLTA RCW 59.18.280 we never received a formal move out statement stating the amount owed within 21 days. To date we have not received a formal move out notice after multiple requests, and this is 2.5 years later.

There was no move out statement mailed which RCW 59.18.280 1b specifically states. According to the same RCW, tenant is entitled to a full refund of their deposit when this procedure has not been followed. We are requesting our full refund to be returned due to unlawful procedure on XXXX XXXX, XXXX XXXX part. 

We are specifically disputing unlawful practices, as this debt was never lawfully able to be sold. Our law firm has requested multiple times to show proof they followed the RCW code which both XXXX and FCO daily to deliver. 

This debt is completely unlawful and we are demanding that this unlawful attempts to collect a debt not owed is stopped, and our refund is initiated according to RCW 59.18.280
This account has been re-aged and somehow added back on my account. After sending my dispute in the mail now I tried to request for a compliance check on transunion website but it would not submit my information. They are reporting addresses that i have before requested to be removed. They are reporting inaccurate information. i am submitting my letter with this complaint in regards to the addresses that i am demanding for removal as well as a collections account by XXXX and a couple of employers and phone numbers listed.
I signed up via e-mail to perform an evaluation survey dealing with the transfer of funds via Moneygram to an XXXX XXXX located in XXXX. I received a check for {$2200.00} from a company titled XXXX XXXX XXXX located in XXXX via USPS Priority Mail express. I would take out my compensation of {$300.00} and {$50.00} for gas and transfer the remaining amount XXXX {$1900.00} XXXX less a {$50.00} MoneyGram fee XXXX MoneyGram total of {$1800.00} XXXX to XXXX XXXX. I cashed the check at my local XXXX Bank and did as advised. Subsequently, in a letter from XXXX Bank, dated XXXX XXXX, 2015 I was advised that the check that I cashed was " altered/fictitious '' and my account was going to be charged for the bad check. The check was a fraudulent check. Additionally I have filed a complaint with the XXXX Postal Inspectors Division and the Federal Trade Commission reference # XXXX.
I DO NOT HAVE A LOAN EVER WITH  XXXX   XXXX  #  XXXX  THIS DOES NOT BELONG TO ME
On XX/XX/XXXX, I applied for a VA Home Loan mortgage with Wells Fargo Bank. Over about a two week period, I submitted numerous documents to Wells Fargo via their LoanTracker system and satisfied all requests for documents and verification information. I have called and emailed the relevant Wells Fargo agents and am constantly informed that the underwriter 's are still considering my mortgage application. My last call was two weeks ago as of XX/XX/XXXX and I have still received no email correspondence, no decision by mail or fax, and no email correspondence. I believe that there may be unfair or discriminatory loan practices involved with my Wells Fargo mortgage application. To clarify -- I applied for the mortgage on XX/XX/XXXX and as of XX/XX/XXXX no decision or any other correspondence regarding my application has been received. Wells Fargo appears to be unfairly delaying my mortgage application, which I believe may be  discrimination and a violation of my rights.
The situation is hard, because I allowed deposits for my account. The issue is XXXX decided to take cash out of my account instead of my card like I told them. This threw everything off. I am very upset with them and have reported them. I would like to pay you the money as defined and be refunded the check fee. I do not see how I should have to pay that as I have always paid and what I stated NEVER not had funds.
On XX/XX/18 the company was initially contacted at XXXX XXXX and a settlement was reached in the amount of {$100.00}. During this conversation the representative agreed to a deletion letter for payoff and provided me the email to whom I could contact to receive immediately or same day. I emailed as directed and received a voicemail from the rep saying he needed to clarify the request and the information was not correct. I have that message recorded. When I called the company back they explained this was not their policy and would only allow in extreme scenarios. I explained I received false information and believed a letter would be provided to update with credit bureaus. When I asked to listen to the calls they selectively said the onset call was not recorded or the audio was lost. However they did let me listen to the call where the rep said he could not provide that letter and there was some misunderstanding. As a consumer we have rights and being told and conveniently selective with evidence is deceiving and unprofessional. This same organization has thousands of similar scenarios with the same people- XXXX XXXX XXXX and XXXX . This is fraud and unacceptable.
I have been disputing information for 6mths or more and cant get correct updated information. I have submitted documentation to support the investigation. yet it opens another dispute. XXXX XXXX account should be removed from all XXXX bureaus. in addition to XXXX should also be removed from credit report. I have accounts that where settled and close that are reporting open and due. I have an XXXX account the went to collections that has since been rectified by att that I have to wait to have it removed,
This loan was originally taken out in XX/XX/2007 and was used for XXXX at XXXX in XXXX, IN (now defunct) that I did not realize was unaccredited. I paid on the loan faithfully for a number of years until I filed a XXXX due to job loss. When I exited the XXXX I wished to repay this loan but was constantly told that it was still in XXXX. After over XXXX years of waiting and being told it was in XXXX they contacted me without notice and let me know the loan was past due and due to default. I almost didn't get enough to pay the payment. I also realized after looking on my account (after it was enabled) that the loan had incurred $XXXX dollars of interest and that they did not taken off my co-signer which was promised to me after paying the first year of the loan. I feel this loan is predatory and unethical and I'm not sure how I'm going to pay for it. With no options for Private Loans, it has become frustrating, and upsetting. I'm unsure how I'm going to move on with my life with this loan in its current state.
I have been with PNC mortgage company since XX/XX/XXXX. The property is located in a town were USPS is not available all correspondence needs to go to a P.O. BOX. The mortgage company failed to inform me that my property taxes went up. I make mortgage payments trough my bank never been late since XX/XX/XXXX, The say since taxes went up they received my payments in a suspense account, reported we were making no payments to credit bureaus and ruin my credit, initiate foreclosure procedures and decided with out my authorization to do a loan modification. I found out because I was trying to apply for a 15 year refinancing that they were reporting me late. I lost the opportunity to refinance because of them! I call them and they argue they attempted to call me for a year, for some reason they had my internet phone number ( I only use my cell phone number ), they say they sent mail to the physical address but We do not receive mail to physical address because there is no mail in this town only P.O. BOX, they do not have proof they stamp a notice in my door, they did not e mail. They fail to provide any proof that they attempted to contact me for this problem. I have correspondence from them to my p.o. box and e mail for other issues. I have been with PNC since XX/XX/XXXXor before, every time We call them they verify our information so there is no excuse for them to argue they can not find us, we have Same phone number at list 12 or more years, p.o. box, e mail since XX/XX/XXXX, nothing have changed, they did a refinancing in XX/XX/XXXXand they sure had our information then, around XX/XX/XXXX we call them because the payment was late 1 day and they did confirm the information then. I want them to return everything back to my original loan, they are trying to convince me to accept the modification I did not authorized, I ALREADY TOLD THEM NO, I am not willing to modify my loan, start again and pay all late fees, administrative fees and all other trash fees they are trying to add to my loan. The WORST is that they decide for me to modify my loan, started the trial period and dispose of my payments WITH OUT MY AUTHORIZATION!