WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX  of this year I accidentally failed to pay {$18.00} on a total credit card bill of {$5300.00}. ( I pay my credit card bill in full every month so this was an a one-time oversight. ) On  XXXX   XXXX ,  2017 Chase charged me {$22.00} in interest for the {$18.00} underpayment. I complained to the company, Chase, but they refused to reverse the charge. To be charged this amount of interest on such a small unpaid balance  is usurious, even if the rules allow them to do what they did. I went ahead and paid the full amount due of {$3300.00}, which included the {$22.00} in interest. I assumed that this payment in full would prevent future interest charges.     Much to my surprise, on my  XXXX   XXXX ,  2017  statement they charged me another {$31.00} in interest. Again this charged stemmed from a slight-of-hand   where they are allowed to charge interest on the average collected balance in months following the underpayment.     I complained today and was told that they would credit back the {$31.00} in interest. I would like the remaining {$18.00} refunded and more importantly I would like there to be a regulation promulgated to ban this type of usurious behavior.
The company keeps calling me after I've told them on several occasion the debt was paid, and equipment was sent back. The debt collection agency is Diversified and the debtor was XXXX. They are probably the worse wireless provider in the business. They perform Deceptive Business Practices, False advertising, horrible customer service, can never speak with anyone in the U.S. They say they are giving phones as gifts for promotions and it turns out to be a lie. There are horrible. I've tried to explain this to the collection agency Diversified but they are aggressive and they don't listen to reason, so it causes people to become irate, due to their unprofessional methods. I plan to file a criminal complaint. They call 4 to 7 times a day.
GC SERVICES COLLECTION AGENCY is calling my phone way too much, from several different numbers, after I sent a letter in writing asking that they verify the debt they say I owe. It 's pure harassment. I wo n't talk to them until they can prove this debt is actually mine.
XXXX XXXX is harassing me and put false debt on my report that does not belong to me. I contacted them but no response back. They keep reporting XXXX debt on my report
I have a XXXX XXXX {$50.00} Prepaid Visa card that was issued to me last year. The card has a XX/XX/2018 expiration date which seems in violation of Federal and Massachusetts law governing non-expiration of prepaid cards. I dialed the customer service number on the card - XXXX and got an automated system that informed the card was expired with a {$0.00} balance but left no information for further action/appeal.
This debt was discharged, in court they are just harrassing me over it. They kept my money as a security deposit, for the balance. There attorney met me in court, and the issue was closed by the judge in XXXX, XXXX, CO. This should not be on my credit report. They are harrassing me, because I 'm a XXXX member, and XXXX. XXXX.
Have a mortgage which change servicing rights to Ditech. In the loan docs it states in correctly that the insurance was to be escrowed. In the mean time Ditech failed to pay my taxes on time and due to a city property tax mistake my taxes were over paid by {$2300.00}. I have since changed the escrow and requesting the insurance not be escrowed. The taxes are now being refunded directly to Ditech and I have requested the make a one time payment for the insurance. The previous servicer failed to pay the insurance for 9 months. Now I am requesting the they make a one time payment to my insurance and discontinue future payments, and calc esrow going forward correctly without the insurance. Been since XX/XX/XXXX trying to get them to get someone to correctly get it write in my account 4 call 12 representatives. On top of it I am a 30 year financial services exec with years at XXXX for the XXXX, I well understand this business but the agents and system at Ditech gets on one who understand all aspects of this error. They will now include it in the escrow and will not issue a one time payment without changing the escrow analysis. It 's around around in circles.
Have repeated asked creditor for verification of debt under to 15 USC 1292g Sec. 809 ( b ) of the FDCPA, asking for : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any judgements obtained by any creditor regarding this account. 
Name and address of the alleged creditor. 
Name on file of alleged debtor. 
Alleged account number Address on file for alleged debtor. 
Amount of this alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Creditor has repeated not provided only providing alleged amount. 

I have sent creditor cease and desist demand for phone calls to myself and friends and relatives. Continuing to have harassing phone calls to my friends and relatives.
I used my checking account with Wells Fargo to make two transactions ( {$300.00} per transaction ) via XXXX on XX/XX/2018. I was buying golf tickets on XXXX and seller wanted for me to transfer money through XXXX. Tickets were fake and Wells Fargo has refused to do anything about this.
I went into TD bank to close an account on XXXX. They took my bank card and confirmed that the account was closed. Over the course of the month of XXXX, they proceeded to keep the account open, and allowed multiple charges to go against it. When I came in to see why charges were being allowed against a XXXX balance closed account, they told me that they had closed the account incorrectly. The manager was not in, so the amount that I was refunded out of the over {$400.00} in overdraft fees was {$100.00}. I was told a manager would call me about the issue and help me get fully refunded. It is now XXXX and they have been allowing charges to continue to go through and are still charging me overdraft fees for an account that should n't exist anymore. I 've tried multiple times to get in touch with a manager and I 've been told they are not there or are busy and will call me back. I 've been attempting to get resolution on this for weeks now, and still do n't have closure on the issue. This bank is irresponsible and they are thieves. When the manager finally did call me back, he became very accusatory and nearly insinuated that I was trying to use the bank account even though I had asked that it be closed. The representative that helped me close the account lied and told his manager that I was solely asking him to close the debit card - which makes no sense whatsoever. They are trying to now charge me money on an account that should not exist. I 'm not getting any help with resolution, and the bank, which I 've had money in since I was a teenager, is now calling me a thief. I am still waiting for resolution on this after spending countless time and effort trying to get everything taken care of.
XX/XX/2018, I purchased a new car and was financed through XXXX XXXX XXXX, This loan should have been closed with GM Financial
I had past experience with calls re the debt of someone who lived at my address some 20 years ago and another with the same name except the middle initial and it took and FTC complaint to stop them. I received calls in XXXX 2015 from Enhanced Recovery re Debt Collection. 
One call referred to a letter which I assume was a validation letter sent to whomever owes whatever they are trying to collect. I wrote them a detailed letter on XXXX XXXX, 2015 ( cert. return rcpt ) telling them : 1. contact the person you wrote to, its not me. 
2. There is no reason for a debt collector to be contacting me. 
3. cease and desist. 
4. Further I am XXXX and do n't do business over the phone. 
5. I have a health condition that XXXX ( XXXX and XXXX XXXX ). 
6. their contacts did not appear to comply with the FPDCA 7. I looked forward to never hearing from them again. 
I thought it worked until Fri XXXX when I got the following msg on my answering machine : " this is a debt collection call from Enhanced Recovery please call XXXX ref XXXX. '' no identification as to the caller or what the debt is about ( not that I care ). 

All I want them to do is leave me alone. I sent a letter today reiterating the comments in the XXXX XXXX letter and telling them I would file a complaint. 

I will not call them back based on my past experience with another highly unethical collector and my XXXX. 
I know of no reason they should be calling me. I have not cosigned for anyone nor acted as executor of any estate. 

This company has not been abusive and until yesterday I thought the matter resolved. I will grant that my past horrible experience affects how I view this. 

I do believe that companies should be prohibited from contacting anyone just because they have a similar name or without at least stating we are contacting you in regard to a debt owed to XXXX by XXXX. 

I would like to think that this latest call is a result of a failure to communicate that no one should be calling. 
a debt owed to
I received my first statement from Capital One XXXX the day before they called me last week. The due date was XXXX XXXX, 2016. They made me pay XXXX because they said it was late. The due date was XXXX XXXX 2016. They were late mailing the statement out then. I paid the XXXX late fee but if I do n't receive a statement then how do I know it is late then? I can not read their minds.
I have two accounts reporting to my credit. XXXX XXXX is reporting to my Equifax and XXXX/XXXX is reporting to my XXXX. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with XXXX that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion
I believe this debt was the result of id theft. When I called the could give mo valid reason why it was not. Since I have a current account with XXXX and since iff any payment was not made on a pre- paid insurance account that insurance would have quickly became invalid and a non issue. According to the Southwest rep it would be simpler to pay a debt of {$60.00} then exercise my rights but I strongly disagree. I would like to see the signed contract with my signature witch this company has refused to provide.
XXXX XXXX XXXX XXXX is reporting my auto loan that was never late and paid off in full as " inc in bankruptcy '' to Trans Union. This account was NEVER included in the bk that was discharged in 2006. I re-affirmed my vehicle choosing NOT to include in the bk.
I booked flights via Chase Cardmember services. The AA flight was cancelled prior to our departure and we were never notified. We had to make other travel arrangements to return home and Chase has refused to compensate us for the additional travel costs
I made payment to CMI who collected on behalf of XXXX for an outstanding debt. 
CMI did report the account was paid in full but refuses to delete the account from my credit report causing me to continue to get adverse credit rating. I am requesting account to be deleted because it is a reoccurring issue each time I apply for credit and the debt is settled. XXXX hired them to collect payment not to punish or cause long term financial hardships for me. 
ref # XXXX
Midland mortgage is paid in full student loans are n collections addresses are incorrect social security numbers wrong numerous credit cards ran
On XX/XX/XXXX I mailed Experian a letter, asking for verification of an account that's been reporting on my credit report. In this letter I requested for Experian to send me the documents used to verify this account which they have failed to do so which is a violation of my FCRA rights, I also asked for the legally binding contract between the company reporting the debt and myself which Experian failed to produce. I've ask Experian now 2 times to produce documentation they used to validate the account, the person who verified the account as well as their contact information However, they did not supply to me the verification documents. 



I requested the following from Experian and they have failed to produce any documentation used to verify the account or the persons who actually verified the account Where are the documents that you used to verify these accounts? 

What is the name of the person in your company who verified these accounts? 

What documents did they use to verify them? 

Please provide me with the name of that individual, their business address, and telephone number. 



XXXX XXXX XXXX, defines Verify as : 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' And, Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

What this means in your language is that Experian must be willing, but most importantly, able to produce a document in your files that proves the account ( s ) in dispute belong to me, and the information being reported is accurate, and Experian must be able to do this in a court of law, should I file a lawsuit against Experian. Someone at Experian must authenticate the documents in your files that were used to verify the disputed accounts, and to do this the

y must have first hand hand knowledge of the alleged account ( s ), and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Current Federal case law states that, Consumer Reporting
Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.

The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed

by 1681 ( a ) ( 4 ) of the FCRA. Experian has elected to ignore my previous request to provide me with the documents that they have in their files that they used to verify the disputed accounts, which means that they have NOT verified, or they can not verify, any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA. Therefore,
Experian is required to promptly DELETE all inaccurate information which can not be verified through this process.
DITECH is the absolute worst mortgage company to deal with. They have been holding our insurance check since XXXX and still have yet to release our funds to us so we can begin repairs on our property. We have called them every single day to check on the status of our check and they have noted our calls and that all of our paperwork was processed. Today our check is supposed to be released and sent overnight. When my husband called to make sure of this they tried to inform him that there was documentation missing from the file. At this point, DITECH is playing games with us. We get a different rep every single time we call in and the operator gives you very basic information. It is so frustrating dealing with this company. The amount of the check is more than the value we owe on the property. It is our money. It is for us to begin repairs. It is not a difficult case and a few documents that were needed have been given to DITECH back on XX/XX/XXXX. They keep pushing us days later and saying they are behind schedule because of hurricane claims. I should also mention that DITECH was not even our mortgage company when the accident occurred. We have been running around and dealing with a dozen other things in order to get this process started and yet DITECH who is handling our claim has NEVER REACHED OUT TO US! We always had to call into their call center and try to figure out what is going on.
XXXX   XXXX   XXXX  vs  XXXX  's  XXXX . I have contacted  XXXX  's over  20 ti mes to remove a 30 day late on 10 years of membership. I was treated cruelly by Customer Service Reps. The late reports as  XXXX    XXXX  . I have repeatedly explained that I have never made a late payment on any account on my report. At this time in   XXXX  , my brother had recently died young and horribly from  XXXX   XXXX . My mother was in final stages off   XXXX   XXXX   XXXX  and I was caretaker. My daughter was volunteer teaching on the remote   XXXX   XXXX   XXXX   in SDakota. I got an emergency call that my daughter was extremely ill and needed to be taken to a real hospital ( not medicine man  ) im mediately. I did that but brought the  XXXX  bill with me and sent it out on time. I have been repeatedly told by  XXXX  that the death of the family members at that time was not if any importance to them. They said my fear to be with my daughter across the country on a reservation with third world country health care, was totally inconsequential to them. Every time I asked for a goodwill adjustment due to so much health  XXXX , they said  XXXX   XXXX   XXXX  has no good will. It is possible that because it was sent from   XXXX   XXXX   XXXX  , it could have been delayed. My credit score has been severely damaged by this but my faith in people is damaged as well. I have never been spoken to in such  s dem eaning way, emohasizing that their payment was worth more than the lives of my brother, mother and daughter. I am crying as I write this and cried many times after speaking with their ultra disrespectful customer reps. Please help me so that all this torment leads to the removal of that negative information. I am buying a house and I look irresponsible by being late.  XXXX   XXXX  never did show proof that it arrived late but just kept saying that they absolutely would not remove derogatory no matter how many died or the fact that I never paid late in 10 years. The customer representation at this company is inefficient and inhumane
I have several inquiries on my credit report that I did not authorize. I have always wondered how someone could get access to my credit report and now I know. Equifax has confirmed that I was XXXX of the people affected by the XXXX and now someone out there has my credit information. I would like for them to delete these unauthorized inquiries ASAP. 

XXXX Inquiries XXXX : XXXX XXXX Inquiry : XX/XX/XXXX -  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX BANK XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Inquiry : XX/XX/XXXX + XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXXInquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Loans XXXX. 
XXXX Inquiry : XX/XX/XXXX + Complete Dept. XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Unions XXXX Inquiry :XX/XX/XXXX + Complete Dept. Stores US XXXX Inquiry : XX/XX/XXXX + All Banks ASSOCIATED CREDIT XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions XXXX Inquiry : XX/XX/XXXX +
In XXXX, XXXX, I went to my credit bureau to request a home improvement loan. I was denied because they told me I had an unpaid debt to a hospital for over {$6000.00}. I was shocked and asked who to contact and how to take care of this. I spoke to a credit reporting agency which gave me the information to call to straighten this out. I pay my bills and have never had an unpaid bill. I spoke with someone at Designed Receivable Solutions and was told that the original debt was incurred in XXXX of XXXX to a hospital in XXXX XXXX, CA. I was indeed hospitalized at that time and prodded for more information. Apparently, the hospital turned over my information in XXXX of XXXX and it was incurring interest ever since. I had no idea this bill existed. I never received a bill. Designed Receivables admitted that they had several bills returned to them and that they didn't have a working phone number for me. They had used 2 addresses in California where I have never lived. They had one phone number that I haven't used in many years and another phone number ( in California that I had never heard of ). I admitted that I had been hospitalized in that hospital but I had paid bills and didn't have anything outstanding. The women I spoke to were very rude and accused me of lying and trying to get out of a debt that I knew I had. I told them, I would pay the principal, but I was not going to pay interest on a bill that I did not know existed. They refused to work with me. I disputed the charge stating fraud and my credit card removed the charge. I spoke with a supervisor who was very upset with me. Again, I was accused of lying and trying to get out of a debt. That is not my character. I am refusing to pay interest on a debt that I did not know existed and they admit that they could never get ahold of me. I told them that it wouldn't be very hard ( especially, with their systems ) and that I have lived in the same area for 26 years.