WillisBack/dataset-financial-user-claim huggingface dataset:
This company IC Systems is placing damaging collection information on my credit reports without any paperwork from them or the original creditor ... I use credit monitoring so it alerted that I owed a balance to XXXX which Im assuming is a daycare attached to one my son attended. I dont owe any daycare money as I have been on public assistance for daycare vouchers with the State of Ohio and up until about XXXX or XX/XX/2018 did not have a copay which means I owe them nothing. They need to validate this debt and remove it or any and all available options that apply under FCRA will be taken
I receive government VA XXXX benefits that are loaded to a Direct Express debit card issued by Comerica Bank. I was recently incarcerated and my account was therefore locked. While incarcerated, my sister, who is my power of attorney, attempted to work with Direct Express to access my funds to cover my living expenses and they stated that they would not release the funds because I was in jail. In no contract or agreement anywhere online or in physical possession does it state that a beneficiary of VA XXXX benefits shall be rejected coverage while incarcerated, so that is my XXXX issue. 

I was released from XXXX XXXX jail on Tuesday, XX/XX/XXXX XXXX and immediately upon release, I contacted Direct Express at XXXX to unlock my account. They XXXX requested proof of release and I faxed the documentation to XXXX. I followed up on Wednesday, XX/XX/XXXX XXXX and Direct Express confirmed that they had the fax, but now they needed XXXX forms of picture identification. Since I currently have no money, I walked to a printing company and faxed XXXX forms of picture identification. I called again today ( XX/XX/XXXX XXXX ) to follow up and they said, " we do n't need XXXX forms of picture identification ; we only need the proof of release '' and much to my surprise, now they DO NOT have it and that it takes up to 6 business days to obtain the proof of release that I faxed on Tuesday, XX/XX/XXXX XXXX. I asked to speak to a supervisor and the person hung up on me. I called back, explained my situation again, asked to speak to a supervisor, was put on a long hold, and the same representative by the name of " XXXX '' stated that a supervisor is unable to speak to me until Direct Express receives my faxed proof of release, which could take up to 6 days. He hung up on me after I further questioned their practices.
ON XX/XX/2018 I FOUND A CHARGE AFTER GOING THRU SOME PAPERS ON MY RBS FORMALLY CITIZENS ONE CARD THAT I DID NOT APPROVE I CONTACTED THE COMPANY THAT SAID I HAD TO SEND THEM A COPY OF THE STATEMENT, AND A LETTER EXPLAINING THAT I DID NOT DO THE CHARGE, AND I WOULD GET THE CREDIT IN 1 BILLING CYCLE. AFTER WAITING AND WAITING THEY SENT ME A LETTER SAYING THAT I WOULD NOT BE GETTING THE CREDIT FOR {$870.00}. I AM NOT OK WITH THIS I DID NOT DO THIS CHARGE AND DO NOT THINK I SHOULD BE HELD RESPONSABLE.
Did not receive proper notification of collection. No phone call or mail the item just went straight to collection.
I have been on the phone and ca n't get through this horrible phone system and sit and wait for the fraud area to pick up for over an hour and then it just disconnects. I am out {$100.00} that I need to feed my kids with and I ca n't get any response. I have had it! I ca n't get anyone to provide the police report details to.
The Credit Protection Association that owns the debt collection from XXXX did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature.
I purchased a {$500.00} gift card at XXXX VA. The transaction was approved and went through, but when I later tried to use the card, I found out the card was frozen. Someone had tried to use the card before I had bought it at the store. The {$500.00} was never loaded onto the card. I was asked to fax in information on XXXX XXXX, which I did. I was told someone would reach out to me, but nobody ever did. I finally called in and was told I needed to scan the receipt as well. I went ahead and did that. I 've called in every single day since, and they ca n't even confirm they 've received my fax. Still, nobody has reached out to me. It 's now past the 7-10 business days timeframe I was given. I just want a replacement {$500.00} gift card. I 've already had to pay the credit card charge and now I 'm in financial duress because of this company 's failure to respond in a timely manner to gift card fraud.
This account was closed on {$XXXX} balance. They want charge a overdraft charge came from XXXX when they suppose to put a stop payment and close the account when I moved to other Military Post by my personal decisions. I closed this account in good terms {$XXXX} balance and clean They leave the account open and XXXX charge me and small amount XXXX times and they charge me XXXX dollars fee when I did the correct steps to put an stop payment and close the account. The bank After this corporate mistake the Bank sold this account to Financial assistant collection and now they report and damage my credit for fraudulent fee. On multiples times I communicated and they were negative to delete the overdraft when I did the correct actions.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please remove the accounts XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX TX ) XXXX, XXXX/XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX,
FNB Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
This was a 39 month lease with XXXX XXXX, opened on XXXX. Car was returned around XX/XX/XXXX. I had no late payments, however, Nissan decided to charge me {$7500.00}, for car details. The XXXX XXXX that I leased was recalled by Nissan for defective acceleration & defective breaks ; yet Nissan never notified me while I had the car. The account is over ten years old, therefore, it needs to be removed from my credit report agencies. Nissan closed and charged off the account in XX/XX/XXXX. They transferred the account to XXXX XXXX XXXX which is a Nissan sister company. XXXX XXXX posted imaginary payments for the last 24 months and updated and changed the account status from closed to open and in good standing. However, the balance never goes down. The monthly payments allegedly made are for {$410.00} x 24 months = {$9900.00}, which makes no sense. Since the balance never went down during the 24 month period. 
They are trying to show that I updated the account before the 7 years limit so that the account will never come off my credit report.
Repeatedly calling a family members phone number even when payments are mailed to them. Not identifying themselves when they call my phone number.
It was very clear that its pay day. And then they will check credit. Im not afraid if they do but it was clearly stated on their website the requirements. misleading the consumer and causing anxiety. They should have taken and put that they will credit check instead of fooling people. 

This kind of abuse to consumer should stop.
I have written to professional accounting with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate XXXX through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.
On XX/XX/2017, I spent {$100.00} on a NetSpend Prepaid Debit Card. {$100.00} of that was to be credited onto the balance of the prepaid card, while {$2.00} of that was paid towards the activation fee of the card. 

After purchasing the card, I called NetSpend customer support to activate the card, so that I may use it. They presented me with too many hoops and hassles to use a simple prepaid card product, so I instead requested a refund for my purchase. The customer service representative obliged my refund request, and voided my card. The balance on my card was deleted and my card was rendered unusable. He told me that a check would arrive in the mail for {$100.00}, as my refund. 

About three months later, I called in again to ask about the status of my check, because I had still not received it. They told me they would send it again, but still did not. 

Now, it has been over 7 months since they were supposed to send me my refund check, and they still have not. When I call them, they purposely make the process as hard for me as possible. They ask me to send in all sorts of documents to them, to prove my identity and address, when all I want is a refund of my own money. 

But anyhow, I oblige them and send them the documents they request. Most recently, they requested proof of address in the form of a utility bill or bank statement. I sent them said document to the email address they provided. 

Then, I get a response in the email saying that this isn't the proper procedure, because I have no reference number. Yet, I was never ever given a reference number. 

Nobody at NetSpend is willing to resolve my issues. They only bounce my issue back and forth between departments, so that nobody is ever going to help me. I only want my refund check of a {$100.00}. They have already voided the prepaid card I purchased, so it is only right that they refund me the money. I have received nothing for my {$100.00} purchase.
when original note are challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, JP Morgan bank of new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator XXXX, JP Morgan XXXX XXXX new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology
TRANSUNION:  XXXX:   XXXX The heck is going on. I’ve contacted you guys time and time again since XX/XX/2017. You’ve removed the fraudulent accounts but I don’t know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and I’m only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that I’m unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I don’t want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and I’ve asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
BEEN A VICTIM OF IDENTITY THEFT AND THESE ACCOUNT ARE ERRONEUS IN MY EQUIFAX REPORT. I BEEN TRYING TO REMOVE FOR MONTHS NOW, BUT EQUIFAX AND THE COMPANIES LISTED BELOW ARE IGNORING THE FACTS AND EVIDENCE THAT I PROVIDED SUCH AS POLICE REPORT, IRS IDENTITY AFFIDAVIT, FTC AFFIDAVIT AND MORE. 
XXXX
My last statement from Bank America showed a charge for " check imaging ''. I never ordered it. I called customer service and although they removed the charge, they could not tell me how this happened. My feeling is that it is a new deceptive practice to get extra fees hoping that the customer will not notice it.
Hello, My initial application to  Suntrust Mortgage  was submitted in  XXXX  . 2017. It  entail a refinance of the current mortgage with the company. Everything was going well except the appraisal. It was more than 30 days after the initial application and all documents were submitted way ahead of schedule and A Paid Appraisal. The appraisal result was less than expected by more than {$100000.00}, So I appealed wit h Data and  a brief summary. Well I never received an answer regarding the appraisal and Then suddenly, I was n't approved anymore. I requested a refund of my appraisal, but was denied About 3 months later, I contacte d Suntrust  mortgage to state my dissatisfaction of the service to resolve our differences and to re apply since it was less than   six months.
I explain the situation to the former loan agent, but he refuse to talk, so I was transferred to another who transferred me to a manager which   allowed me to resubmit the appeal.   XXXX   XXXX  of my   chief    complaints was using an appraisal that was located more than  XXXX  miles away from subject property when there are plenty of appraisals located in the city of the subject property And the appraisal used comparables with different zip codes that are in undesirable areas. All of my complaints included references from police departments and   XXXX   XXXX   XXXX       After the submittal, the appraisal stood as is.
Citi bank ha s been discriminating against me for several years now. I recently applied for a citi business advantage platinum card with my outstanding   XXXX    credit score.  However,  Citi bank  DENIED my application based on the fact that there were credit cards from almost  TEN YEARS  ago that had disputes on them. After 10 years, citi bank is treating me horrible and will not open a new card in my name.   I would like to see there " policy '' that says this goes on for 10 years.   XXXX   XXXX   has a ba reputation already, rated  one of the worst credit cards for how they treat people, now I see why.    As you can see they are being very unwilling to work with me and those disputes from 10 years ago were fraud. so they re basically discriminating against me for me being a victim of fraud. if this continues a class action is going to be filed.
My Equifax credit report was recently downgraded by 152 points ( it was above the 800 ) with no apparent reason. Trying to communicate with Equifax to find out the reason has been a cross between a nightmare and a joke. I can not get anyone who speaks clear English and all they do is argue that they are speaking English ( at least I think that is what they said ). I want to make contact with a clear speaking person I can understand and find out why they have my credit rating so low. Their customer service stinks ... .they just argue and argue with me about what a good job they are doing.
I originally had a home mortgage loan with XXXX XXXX XXXX but they transferred the account over to US Bank back on XXXX XXXX, 2016. I have always paid my mortgage 1 month in advance therefore I sent my payment to XXXX XXXX XXXX before I received correspondence that the loan had been transferred. XXXX XXXX XXXX had sent my payment history over to US Bank at the end of XXXX clearly documenting that my payment was received by them and applied to the account in XXXX for the XXXX payment. US Bank has requested and received every document, bank statement and cancelled check regarding this account. US Bank has been very difficult and lack luster in providing good customer service to get this matter resolved. I can never speak to a manager, dates to resolve this case have been given to me since XXXX XXXX, 2016 my first point of contact date with this banking institution. Nothing is getting resolved no matter how many times I call, just more false promises and being tossed around by reps. I get regular phone calls several times a week that are harassing and letters that reflect incorrect information about this account. I do not owe any additional payments because I have never been late. US Bank has not been able to submit the proper recording of information into my file which would make it current. This is the worse experience I have ever had with a bank let alone as a first time homeowner. They have been nothing but difficult, unprofessional, poor communicators and horrible with their customer service skills and problem solving abilities. They have also used me to participate in their backroom banking operations process between banks that I know nothing about or should be involved in at any time. This matter should be resolved between banks not the consumer. US Bank needs to record the XXXX payment that XXXX XXXX XXXX issued them and make the account current.I ca n't understand the confusion if all the documentation is present for US Bank to record.
We graduated from   XXXX  l school in  XXXX  and had  XXXX   XXXX  as our loan services. When we started residency the first year we were not required to start repayment. We were told by sallie  XXXX  our  2nd  year that the law had changed and we were required to start making payments  (   XXXX  of  XXXX  ). We were not making that much as residents and both my husband and I have   XXXX   school debt so we could not afford the payments. Not ONE time in the last 8 years has ANYONE from  XXXX  ( now Navient ) contacted me, or informed me when I contacted them about repayment option, about the income based repayment options. We were put into an economic hardship forbearance throughout the rest of our residency  XXXX . We should have been informed of the income based option and we were not. Further, we had a private loan that we were paying on during that same time frame. In  XXXX  when started repayment, our payments were mis-appropriated and applied to all of our loans, making our payments late until WE caught what was happening. This also extended the time it took us to pay off the private loans. After the lawsuit was made public WE looked into income based repayment and it will save us thousands of dollars over the course of our loan repayment.
1. I am a condominium owner. My mortgage is with Bank of America The mortgagee requested flood insurance information which was provided. In spite of my coverage limit being in excess of the 100 % replacement value, BOA forced placed additional flood insurance
I purchased a pair of shoes from the merchant through a mail ordr catalog, Midnight Velvet ) a subsidiary of The Swiss Colony. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA
I work for a company regulated by the FCRA and know that the statute seeks to not unduly burden the consumer, which is not atypical with laws that protect consumers. The collection agency that contacted me provided very limited information about the debt they were collecting. I have medical insurance and each time my insurance card was used. I have not received anything from a medical provider indicating that there is a balance outstanding. I requested more information from the collection agency and was told I had to submit the request via US Mail. This seems unduly burdensome particularly given the fact that they went through more than sufficient steps to validate me via telephone. They simply did not want to be bothered to send the information. I went ahead and paid it for fear of my credit being impacted and will now research it to try to ascertain its viability. When I paid it, I asked if I could receive something in writing confirming that the matter was resolved and was told that I could make that request in writing. I am in absolute disbelief.
Gentlemen : We were solicited to open a money market account with Compass Bank in XX/XX/2017. 
We submitted the applications for myself and my wife. My wife 's account was opened. I received an email that I would receive a call from them as they needed further information. I called the bank and was told that I need to wait for them to call me. 
No call was received and mysteriously I received an email that was account was approved and opened. I sent an email immediately asked them to close the account consider the application withdrawn as I was waiting for them to call me before they opened the account as I was told by them. I also informed them that they need to send the funds back to the external account if they had withdrawn them. They did not honor our request causing the account to be overdrawn incurring us a back charge at the external bank. We went back and forth for several weeks. Finally I was told that I would receive a letter in the mail. Still awaiting a response from them. 

Below are several emails between the bank and us as to what has transpired. 

XXXX XXXX is the local Branch Manager who came to our office soliciting more funds to be deposited with the bank. I explained as to what was happening with us. I offered to send transcripts of the emails. He accepted and later responded that he could not intervene or help us in resolving the matter. 

We have not received any response in the mail to date as promised.
I live in California and my mortgage company is located on the XXXX XXXX. I regularly make my mortgage payment on the XXXX, the last day before a late fee is charged. The remittance coupon clearly states that " If payment is received after XXXX, a $ XXXX late fee will be charged. '' The coupon does not state that the payment needs to be made according to XXXX. I called my payment in prior to mid-night XXXX on the XXXX and was charged a late fee. If the payment is reflected as the XXXX on my statement the next month, should I be charged a late fee?