WillisBack/dataset-financial-user-claim huggingface dataset:
Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$150.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX
Portfolio recovery services reported an account to the collection bureaus ( XXXX, XXXX and XXXX ) which has cause negative/adverse action in regards to my credit file. The company never validated the debt in accordance to the fair debt collection practices act as I requested. The company reported this debt without notifying me or validating it. I called the company and the company claim they mailed a letter out in which I never received from them. FDCPA 1692g requires and states that Bill collectors are to validate debts before continuing collection efforts according to section G of the FDCPA. This company has yet to do so and have yet reported this account to the credit bureaus.
We were notified in a letter from U.S. Bank that a credit card issued to my wife had expired. Neither my wife nor I applied for that credit card, which I was told by a U.S. Bank representative, was opened in XXXX. I am shown in U.S. Bank records as an authorized user of the account, but it is my wife 's name. She has never applied for a credit card solely in her name since we married almost 35 years ago. 

We do have an existing credit card with U.S. Bank, which we think was first opened in XXXX, that is a different number than the XXXX identified in the letter.
On XXXX XXXX, 2017, I went shopping at TJX in XXXX XXXX, RI and when I was checking out, the woman at the register told me that TJX is converting all of its card holder to Mastercard and that they are offering an additional discount if I would do it right now at the register. I told her I did not really care about doing this now but she kept baiting me with " we are giving an additional discount '' and when I said I am fine with waiting for the new card to just come in the mail she said : " well, we have so many customers and that could take a very long time so why not get the additional discount on your purchase today ''? I finally gave in and she then asked me to put in all of my information on the machine and I told her " this is a soft credit pull, right? as I am a customer already. She said you already have the TJX rewards and we are just converting over and when you get the TJX MasterCard throw away the old card. However ; it was a hard credit pull and now I have TWO TJX CARDS ; the ORIGINAL CARD AND THE MASTER CARD AND I AM NOW GETTING TWO BILLS AND I AM NOT SUPPOSED TO SHRED THE OLD CARD. So, this is a CLASSIC BAIT AND SWITCH AND I WAS IN THE PROCESS OF A MORTGAGE APPLICATION AND WOULD NEVER HAVE DONE A HARD CREDIT PULL. SO TJX IS SAYING ONE THING AND SYNCHRONY BANK IS ISSUING THE TJX MASTER CARDS AND ARE NOT AWARE OF WHAT IS BEING PROMOTED ; EITHER THEY ARE OR THEY ARE NO UPGRADING ALL TJX MAX CARD HOLDERS TO A MASTER CARD ( LIKE MANY RETAILERS ARE ) OR THEY ARE SIMPLY LYING AND SYNCHRONY BANK IS NOT ISSUING ANY APPLICATION.
Choice Recovery has been calling me about a debt that I did not know about last XXXX XXXX, 2015. I just recently found out, since checking my credit report that they have reported my debt that was actually from a dental bill that I thought was already taken care of as I was in and out of the dental office about at least XXXX times this year for my cleaning. I was always told that I did not have any outstanding balances. I know I have the right to get a letter about my outstanding balances and I never got one. I also know that 5 days after the collection company contacts you, they should also send out a letter about the debt they are trying to collect and from whom. I never got this. If it was not for me checking my credit report, I would have never knew about this debt. In conclusion, I am complaining about the unfair practices of Choice Recovery and the fact that they never sent me any other notice ( written letter ) besides leaving a very unclear message that they are a debt collector but never saying who they are calling for.
This problem concerns Regulation E and disclosure requirements regarding electronic debit and credit transactions. My bank is Fifth Third Bank. The account at Fifth Third was previously handled by XXXX XXXX and other institutions. As part of my regular account transaction activity, I receive Social Security deposits, transfers from another financial institution, dividend payments, and make EFT payments for natural gas, health insurance, life insurance, etc. As part of my account package, I received monthly paper statements via postal mail through XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I did not receive mailed paper statements. Further inquiry into the situation found that I was set up for paperless statements, something that I never authorized. At the time of this " missing statement '' inquiry, I was also informed that the bank would charge {$3.00} per month for paper statements. I never received prior disclosure that the bank was going paperless. I am an senior citizen and do not want online banking and do not have a smart phone. I thought it was my right under Reg E to be notified about electronic funds transactions within 30 days of occurrence. I also thought that I am to be notified regarding changes in account practices by a bank if they choose to charge for basic services. I typically maintain a {$1500.00} balance in my account and have a loan at the bank that is paid monthly to avoid additional checking account fees. Please let me know how this bank was able to make unauthorized changes to my account, stop notifying me of the electronic debits and credits, and create a new service charge routine from what was not previously in place without notifying me. I am very comfortable with the local branch management and believe that these problems originate from corporate office decisions.
On XX/XX/XXXX, I opened an account with Capital One. The account was last updated on XX/XX/XXXX. I got a derogatory remark on my XXXX  Credit Report, XXXX, and XXXX. I filed a dispute for both XXXX and XXXX a year ago and had this account successfully resolved for both credit bureaus. This account still shows a derogatory remark on my XXXX Credit Report. I would like to address this immediately, either pay off this debt or get this negative remark removed.
Dear FCC or Consumer Financial Protection Agency, My name is XXXX XXXX, and I am XXXX years an XXXX XXXX veteran. Currently going through a divorce and after I moved out pending final divorce. In XXXX 2016 since I do n't have any furniture in the new apartment I decided to finance some furniture because of my horrible economic circumstance steaming from my student loans debts. I went conn 's a furniture outlet in XXXX Texas to get some cheap furniture after eight months sleeping on the floor while facing {$1000.00} child support for XXXX child without any justification a total judicial deviation from the state of Texas child support guidelines. I Financed furniture worth {$1600.00} including sales tax with a down payment of {$260.00} and a monthly payment of {$73.00}. I have no problem paying my monthly bills detail in my contract. Unfortunately, after I have paid {$950.00} in total, I was told that I have {$1300.00} balance. I ca n't put my head together, giving the fact that you are not giving billing statement let alone payment coupons. Going through with my frustration and after talking with their aggressive and unprofessional customer service representative and I decided to file this complaint, and I hope you can help me and thousand or million facing predatory lender like conns. I also discovered that among fees added are property insurance premium of {$190.00}, ( property warranty fees that were n't disclosed on my contract form that I signed. They also added {$100.00} prepaid finance charge called it Administrative costs. An interest rate of 33.29 %. The worst of all is that this percentage is computed on original amount financed. As you paid your monthly bills and even sometimes above the minimum amount due, the annual rate is not calculated on balance but the original amount financed. Please, I need your help here, and thousand in my situation will appreciate your assistance. Third, often time you call their payment service number ; ( XXXX ) that called are relay to XXXX, XXXX XXXX or XXXX XXXX. Thanks and I look forward to hearing from your honorable office. Thanks XXXX XXXX
While going through the OFAP process i experienced problems with both XXXX and my loan servicer, OCWEN. XXXX failed to act impartially, ensure that relevant documents were made available and explanations provided where needed or requested, refused to respond to emails from my housing counslor asking for assistance, failed to assure required documents were submitted, failed to conduct an even-handed and fair resolution conference, and failed to get in writing lenders HAMP offer. 
OCWEN placed lender flood insurance back in XX/XX/XXXX that i am still fighting to get reimbursed on and they still deny that they did it even though my transaction history that they provided through the portal during my OFAP application process shows that they did. I sent a certified letter to them disputing my debt and they mailed back a letter that basicly just said " no we did n't ''. I have proof of my coverage and their charges. During the OFAP process they refused to give me my NPV or my PSA. I never had a single point of contact. Neither i nor my housing counslor could ever get ahold of the same person XXXX. They keep acting like they are considering my modification and yet they move forward with foreclosure while telling me they are not. Charging unauthorized fees and not showing what they charges are for, plus math that i just can not figure out. They have found a way to abuse the program by claiming your application is incomplete. All they have to do is say so and either refuse to accept documents, say they were late, claim they did n't receive them, or just keep asking for the same document again and again no matter how many ways you send it or how many times. I have been trying to do this program since XX/XX/XXXX. They have lied, abused, decieved and ground me down to nothing. I have filled out their RMA XXXX times. I faxed the latest one this morning. Please help me with this.
The company " Select Portfolio Servicing '' on XX/XX/XXXX statement show the payment for the month of XX/XX/XXXX a payment wasn't applied for {$1900.00}. On XX/XX/XXXX I  made payment for {$1900.00} also in XX/XX/XXXX other payment for XXXX. In XX/XX/XXXX I sent ( 2 ) payments to the company of " Select Portfolio Servicing '' and only one payment paid from my Bank account for the sum of {$1900.00} On my history payments XX/XX/XXXX to  XX/XX/XXXX I paid to them {$15000.00} to " XXXX XXXX loans '' and " Select Portfolio Servicing '' of which is the same account in the mortgage. The company of " Select Portfolio Servicing '' send me In XX/XX/XXXX I paid them only {$5400.00} of which is not the right information
COLLECTION LAW FIRM, PATENAUDE AND FELIX A.P.C. ( " P & F '' ) ILLEGALLY GARNISHED WAGES ON A TIMED-BARRED, UNSECURED PRIVATE STUDENT LOAN. THIS DEBT, WHICH P & F OR XXXX ARE NOT THE ORIGINAL LENDER ( XXXX ) OR CREDITOR ( XXXX ). P & F AND XXXX THEREFORE MUST ADHERE TO CONSUMER FEDERAL CONSUMER PROTECTIONS OFFERED UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). 

P & F HAVE VIOLATED SEVERAL FDCPA PROTECTIONS INCLUDING FAILING TO PROVIDE SUFFICIENT DEBT VALIDATION AS WAS REQUESTED ON SEVERAL OCCASIONS. RATHER THAN OPERATE WITHIN CONSUMER PROTECTION LAWS, P & F CONTINUED TO PROVIDE MISLEADING INFORMATION, DECEPTIVE INFORMATION TO EMPLOYERS AND OTHERS. 

ATTACHMENTS A-C ARE DOCUMENTATION THAT DIRECTLY SHOWS XXXX XXXX HAS NO LEGAL OBLIGATION TO PAY P & F WHATSOEVER. 

ATTACHMENT A IS THE " LENDERS COPY '' OF THE ORIGINAL LOAN APPLICATION/PROMISSORY NOTE SIGNATURE PAGE THAT WAS FAXED UPON APPROVAL OF THE PRIVATE STUDENT LOAN AROUND XXXX XXXX. 

NEXT, BY VIEWING ATTACHMENT B, WHICH IS A XXXX CREDIT REPORT FOR XXXX XXXX XXXX WHICH WAS REQUESTED ON OR AROUND XXXX/XXXX/XXXX. THIS ATTACHMENT CORROBORATES ATTACHMENT A. DOING SO BY PROVIDING THE DATE THE LOAN OPENED ( XXXX ) AS WELL AS PAYMENTS DEFERRED UNTIL XXXX/XXXX/XXXX. 

P & F HAS VIOLATED SEVERAL FDCPA PROTECTION PROVIDED TO CONSUMERS. NOT ONLY IS THEIR CONDUCT UNACCEPTABLE BUT IS IN DIRECT VIOLATION OF THESE PROTECTIONS. P & F MISREPRESENTED INFORMATION TO EMPLOYERS AS WELL AS COURTS IN ORDER TO SECURE WAGE GARNISHMENT. 

P & F HAVE NOT PROVIDED ANY CONTRACT AS PROOF OF XXXX XXXX 'S LEGAL OBLIGATION TO PAY P & F. THIS WAS REQUESTED BY XXXX XXXX 'S DEBT VALIDATION LETTER REQUEST AND BLATANTLY IGNORED SEVERAL TIMES. INSTEAD P & F CHOSE TO SIDE-STEP FEDERAL AND STATE LAWS AND VIOLATE FDCPA PROTECTIONS.
I have written 3 letters and made one phone call disputing several iniquiries and asking for validation on my credit report. The last letter I sent off at the beginning of XXXX and I did not receive a response. Each response they closed the investigation without providing proof or any information on the inquiries. When I called I was told they will not investigate and to contact each company. I contacted each company through mail. Two of the companies could not find any information on me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Their is an incorrect address do another company posted on my credit report ( XXXX XXXX ). The others have yet to respond back within 15 days. Below are the inquiries that I have disputed several times. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
GOOD AFTERNOON MY BRIEF CASE WAS STOLEN FROM MY CAR IN XX/XX/2018 IT DID CONTAIN : PERSONAL DOCUMENTS AND CREDIT AND DEBIT CARDS. 
I WASN'T IMMEDIATELY SURE WHICH CREDIT CARDS WERE AFFECTED BUT I FILLED A POLICE REPORT CASE XXXX ON XXXX CARDS THAT WAS AFFECTED XXXX XXXX, XXXX, XXXX XXXX, BBVA COMPASS I CONTACTED ALL COMPANIES AND THEY ALL CANCELLED THE CREDIT CARDS AND STARTED THEIR INVESTIGATION AND GOT THE INFORMATION NEEDED AND SEND ME LETTERS THAT SHOWS CREDIT ALL THE FRAUDULENT CHARGES, ALL EXCEPT BBVA COMPASS WHICH HAS BEEN GIVING ME THE RUN AROUND. COMPASS BANK XXXX XXXX XXXX XXXX AL XXXX XXXX AFTER I RECEIVED THE STATEMENT I CALLED THEM AND EXPLAIN WHAT HAPPENED THEY CANCEL THE CREDIT CARD AND STARTED AN INVESTIGATION THEY TOOK THE INFORMATION AND THE POLICE REPORT CASE NUMBER OVER THE PHONE THEN IN AN ANOTHER CALL THEY REQUESTED TO GO TO A BRANCH FOR IDENTITY PURPOSE WHICH I WENT TO THE BRANCH IN XXXX XXXX ON XXXX XXXX AND GAVE THEM MY ID AND THE CASE NUMBER AND THEY TOOK COPIES. THEN I RECEIVED ANOTHER STATEMENT FROM BBVA WITH THE AMOUNT OWED ADDING LATE FEES AND FINANCE CHARGE AND OVER LIMIT CHARGES ( I USED THE CARD ONLY ONE TIME A YEAR BEFORE PAID IT NEVER USED IT AGAIN ) I CALLED AGAIN THE ANSWER DO NOT WORRY WILL TAKE CARE OF IT. 
NEXT MONTH SAME THING FOR XXXX XXXX XXXX XXXX IN XXXX I ASKED CAN THEY SENT ME A FAX AN EMAIL CONFIRMING THE FRAUD CHARGES WILL BE REMOVED THE GENTLEMAN ON THE PHONE ASSURED ME IT WILL BE REMOVED AND I WILL NOT RECEIVE ANOTHER STATEMENT. 
IN XX/XX/2018 I RECEIVED ANOTHER STATEMENT I CALLED AGAIN THIS TIME A LADY ANSWERED AND GAVE ME A CASE NUMBER BECAUSE I DON'T HAVE A CARD NUMBER OR CASE THEY USUALLY CALL CUSTOMER SERVICE AND KEEP TRANSFERRING ME TILL SOMEONE KNOWS ABOUT MY INFORMATION. 
THIS WAS A LINE OF CREDIT ACCOUNT AND IT WAS PAID OFF CASE NUMBER XXXX THE LADY ON THE PHONE CHECKED WITH A SUPERVISOR AND TOLD ME THAT MY FRAUD CASE WAS REJECTED BECAUSE I DIDN'T REPORT THE CARD STOLEN WITH IN THREE DAYS AND I AM RESPONSIBLE FOR ALL CHARGES. THEN I GET A CALL FROM COLLECTION AGENT THREE DAYS AGO. 
I EXPLAIN EVERY THING AGAIN AND SHE SAID SHE WILL LET THEM KNOW AND GET BACK WITH. I NEVER RECEIVED ANYTHING FROM BBVA COMPASS EXCEPT PHONE CALLS TRYING TO COLLECT AND NOW COLLECTIONS AGENT? 
I WILL ONLY ATTACHE A COPY OF POLICE REPORT ANY THING ELSE NEEDED PLEASE ADVICE. 
THANK YOU
I closed on the sale of a home I purchased with my ex-fianc on or about XX/XX/2018. I was the primary mortgagee on the loan with Wells Fargo Mortgage. Wells Fargo mailed the escrow refund check in the amount of {$2200.00} to my ex/coborrower made out to first me, and also the secondary borrower, on or about XX/XX/2018. The check did not say " and '' between our names. My ex cashed or deposited the check into his Wells Fargo checking account without my presence, permission, or an endorsement by either of us on XX/XX/2018. I was given the runaround initially with Wells Fargo mortgage telling me I had to contact the bank - Wells Fargo banking, and then Wells Fargo banking telling me I had to contact Wells Fargo mortgage, and that I had no standing as a non-customer and not being the one who issued the check. I opened a case with Wells Fargo mortgage and asked for them to pay me my half or clawback the funds and give me my half of the escrow refund. They got back to me today, XX/XX/XXXX, with their final response, and said they found no wrongdoing either in how the check was written or in how Wells Fargo banking deposited the check. I find this to be unacceptable mortgage and banking procedure. Other institutions require signature by both parties for small amounts of money. I believe for two unmarried mortgage holders, the check should have been written with the word " and '' between our names. I also feel it should not have been possible for my ex to deposit the check without either my presence, permission, or endorsement. Both are irresponsible methods of handling these funds without due respect to the protection of the legal rights of their customers and parties to whom checks are issued. Also, my understanding is that most other banks do require all parties to be present to disperse a check made out to 2 parties. As an aside, our City Water Department wrote the word " and '' on the refund for {$150.00} sent to us, and when I told them my ex would not meet to cash it, they said they could not send the check to just me, all they could do was issue separate checks to each of us for half of the amount, which was perfectly appropriate and respectful of our legal rights. If they could do that for us, why should we expect or demand any less from our financial institutions. Attached is a copy of the check I received from Wells Fargo.
On or around XXXX 2016 I seen a entry on my credit report for a 30 days Late/Missed on my credit report. I contacted XXXX XXXX with my concerns and they were unable to find the record of a 30 days Late/Missed payment on my file. Currently XXXX are now the new creditors. I still have my Open active account with XXXX. The late payment on file is reported in error and needs to be rmoved.
I applied for and received a Barclays Bank issued XXXX Mastercard on XX/XX/XXXX. Upon approval, I was immediately handed a Credit Card Cardmember Account Summary Initial Disclosure with my name, address, Authorized Initial Purchase Amount and Interest Rate clearly defined as 16.99 % with a 0 % on XXXX purchases for the 1st 6 billing cycles. After that APR would be 16.99 % and would vary with the market based on Prime Rate. This agreement was printed off the Barclaycardus.com/apply/Application.action with time stamp of XXXX XXXX. When the agreement with full Terms and Conditions arrived with my XXXX Mastercard, APR was 6 % higher then the interest rate on the Initial Disclosure and now my 1st monthly statement has interest rate listed at 22.24 %. I have written and faxed all paperwork to Barclays requesting an explanation on the change in interest rate as well as requesting APR returned to the original 16.99 % as stated in Initial Disclosure. On XX/XX/XXXX, Barlcays responded with a letter stating they were currently unable to complete my request. No explanation as to why.
I ordered my free annual credit reports online but lost my connection before I received the reports from Transunion XXXX. When I tried to reconnect, I got a message that I had already received the reports. I reported it to annualcreditreport.com and they responded by mail but did not tell me how I could receive the reports.
I emailed and delivered a written statement to an employee of Metro Collection Service also provided a hand written receipt by an employee of XXXX at XXXX which verified my rent account was paid in full on XXXX/XXXX/2016 also my final payment before vacating the premises on XXXX/XXXX/16. Metro Collections employee called and spoke to me about this debt. I have a certified fund bank receipt in the amount of {$960.00} dated XXXX/XXXX/16 and a hand written receipt from XXXX XXXX XXXX dated XXXX/XXXX/16 with Account Balance {$960.00}, Payment {$960.00} and Balance Due XXXX
According to my recent credit report request from XXXX   XXXX, And Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT
I am writing you because I have attempted to contact Customer Service and they are unwilling to address this issue. 

In reviewing my student loan account I can see from Navient 's records that including payment to the school and interest I borrowed a total of {$29000.00} Since paying on my loan I have paid a total of ( {$18000.00} ) Meaning I should only owe the remaining balance of {$11000.00} However Navient is reporting in my account and to credit bureaus that I owe {$26000.00}
When I call I advise the representative that I give my mother permission to talk on my behalf they told me that I can not do that and then the payment plan that they want to put me on I can not afford that.
Gold Key Credit Inc is attempting to collect a debit of {$710.00} from me that is not mine or owed, I will keep fighting until this is off my credit.Its against my rights and illegal my name is being slandered for something that is not mine remove it.
on XXXX XXXX XXXX Account. 
I co-signed for my spouse on XXXX/XXXX/XXXX who filed bankruptcy around XXXX, XXXX. This account was never a joint account. I was asked to co-sign for him. After he unfortunately filed for bankruptcy, the bank stated reporting this debt on my credit. They also include previous debt before the bankruptcy filing on my report presenting stating the account as a joint account. I was never aware that the account was opened as a joint account. I was only asked to co-sign for him to help him get the loan. 
Therefore, I want the report placed on my report that I am delinquent in payment from XXXX XXXX to XXXX, XXXX, and from XXXX to XXXX, XXXX removed on my credit report. I was made aware of this problem after one of my credit card company specifically stated where the delinquent payment report was coming from. 
I do not believe that delinquent payments reports before and after the filing should be placed on my report for something I was not in control of and nobody try to contact me about the situation. 
I have already called the bank to may payments and schedule future payments but the account was never a joint account and I did not default in payment.