WillisBack/dataset-financial-user-claim huggingface dataset:
EQUIFAX IS REPORTING A COLLECTION DEBT ON MY ACCOUNT THAT IS NOT MINE XXXX I HAVE TRIED TO RESOLVE IT WITH THEM WITH NO RESPONCE OR CHANGE TO MY REPORT I HAVE ALSO SUBMITTED A COMPLAINT WITH THE COLLECTION AGENCY THAT THE DEBT IS NOT MINE AND NEVR WAS THEY HAVE FAILED TO PROVIDE DOCUMENTATION UNDER THE FAIR DEBT COLLECTION PRATICES ACT AND STILL REPORTED TO THE CREDIT AGENCY EQUIFAX
On XX/XX/18, I purchased a washer and dryer on the Home Depot website. I was shown an offer to apply for a credit card to get XXXX off of my order. I proceeded with getting the credit card. But, on my statement the XXXX discount was not applied. I called in and was told that the credit was not valid for my order because the washer and dryer were on sale. If the items in my cart were ineligible for the discount, it should not have been offered. 

On XX/XX/18, I spent over 30 minutes on the phone with a variety of Home Depot departments. Eventually I was transferred to XXXX, XXXX, in Resolutions. She offered a gift card for the XXXX, but would not apply it to the purchase.
On XXXX/2017 I made a payment to ATT Universal Card for {$750.00}. There site reflects that this payment was made, decreased my credit limit and this payment has already cleared my bank which is XXXX XXXX on XXXX/17. However ATT Universal Card has yet to credit my payment and stated that they put an arbitrary hold on my payment because I have " not made a payment that large before '' which is not true as I have had this card almost 20 years and have made payments that large before. When I called to speak to a supervisor I spoke with 2 account managers both of which refused to receive any documentation of my proof of payment and also requested that even though I made the payment, even though it cleared my account that I still had to call them back in 4 hours so that they can " verify '' with my bank that they payment was made. I informed them they I would be more than happy to send them a copy of the cleared transaction from my bank and they refused to accept this information. I offered to provide them with the confirmation numbers for the transaction and they refused to accept that also. I consider taking a payment that has cleared a customer 's bank but then refusing to release that payment to the customer and refusing to accept documentation of that payment and forcing the customer to " call back '' in order to credit for a payment that was already made is robbery. Neither account supervisor was helpful and matter of fact both had the tone that it was my fault that the payment was held when they do NOT inform you at the time of payment that they will place a hold on any payments especially those that have already been drafted from my bank. I have had MULTIPLE issues with the credit card company holding charges and not releasing charges for over 14 days. The public needs to be aware of their predatory and in my opinion CRIMINAL tactics.
I got a XXXX dollar overdraft fee charge. I should not have been allowed to use my debit card but I was able to use it and I was assessed this charge for being negative.
Nationstar Mortgage took out my mortgage payment twice this month. My bank stopped payment on the second mortgage payment which had the same draft data as the first payment. I called Nationstar to notify them of the error and the next day they took the money out again. So my bank covered the funds and removed overdraft fees so the bills i was paying with the funds that Nationstar took out of my account could be paid ( things like electric bill and credit card payments ). Called Nationstar again ( this was before a big snowstorm that would have left me in the red with no funds for supplies ) and they admitted their error and paid back the second mortgage payment funds. My bank then took out their temporary coverage but I am still cleaning up the mess Nationstar made of my finances. I suppose I should consider myself lucky considering what some on this web site have endured. I am so sorry for you and empathize deeply. Doing business via XXXX XXXX is not the way to run a business. BTW my mortgage was first owned by XXXX, then sold to XXXX, which refused a refi after many attempts via federal HAMP program ( 3 years process, lost paperwork-so they say -- numerous times, many different agents, started over and over again ), then sold to Nationstar.
Several of weeks ago I asked for validation of an alleged debt owed to  XXXX . I received response from ERC stating I would receive notification in the mail of this alleged debt. On XX/XX/XXXX    I received letter  (  attached ) from ERC in regard to my response to this dispute. The letter was a billing statement. My request was for validation of the debt of which was not included. In accordance with the  Fair Debt Reporting Act ( F CRA  ),   proper validation must be included upon request. If validation can not be produced per FCRA, all collection efforts must cease and can not be reported to any of the national reporting agencies. Please produce proper validation. If validation can not be produced and ERC continues collection efforts from this point, I will have no alternative but to seek legal action up/and to suit.
In XXXX XXXX, I had a hospital stay at XXXX Hospital in XXXX. A couple of years later I received a collection notice from Pro Collect. I called them because I had no idea what it was for - just an amount & please pay. I told the rep this was the first I had heard of any past due amount & why am I just learning of this now, two years after the fact. I am covered by two insurance companies - I had received no notice of any amount not paid. I was told they had taken over for the previous collector because " they had dropped the ball ''. I told them I would need verification of the amounts and had no plans to pay because they said so. I never received any verification, just continued phone calls & the promise that verification would come.
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I should note I worked as a XXXX XXXX for the XXXX XXXX during that time & many many people came in to mail certified letters to this company disputing their claims - all from XXXX XXXX as the provider. Same story as mine.
On XX/XX/XXXX I wrote a check to XXXX XXXX in XXXX, Kansas. The clerk informed me that my check had been declined. I subsequently paid with my debit card. I immediately went to my local bank to verify sufficient funds were in my account. The bank manager called XXXX XXXX and got the number for XXXX XXXX XXXX, the company responsible for declining my check. The manager placed a phone call to Certegy to explain that I had more than sufficient funds to cover the check I had written to XXXX XXXX. Certegys employee ultimately hung up on the bank manager during their conversation. I did not know anything about Certegy at that time so I did not take further action. 

Fast forward to XX/XX/XXXX. I wrote a check to XXXX department store in XXXX, Kansas and was informed that my check had been declined by XXXX XXXX XXXX. I immediately phoned Certegys automated system but it offered absolutely no reason for declining my check. 

Since XX/XX/XXXX I have written several letters to Certegy trying to resolve this issue. By certified mail I have sent Certegy a copy of each declined check as well as a photocopy of my drivers license, my social security number and copies of my bank statements showing an account balance much more than sufficient on the day each of the declined checks were written. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX advising me that there were no returned checks on their file but my checks fell outside their approval guidelines. 

My complaint is this : XXXX XXXX XXXX is literally holding me hostage. I understand that their company represents many, many retail establishments throughout the US. Certegys computer algorithms are set to decline checks according to their predetermined criteria but Certegy will not reveal to me what I am doing that is causing them to decline my checks. So, now I can not write a check to any company they represent for fear that it will be declined by their company and I will face additional extreme embarrassment each time that happens. I only write about 3 or 4 checks each month. One to my credit card account, one to XXXX XXXX, one to my hairdresser and lately to my dentist. I realize that check writing is not used much these days but there are occasions when it is more convenient for me to write a check as opposed to using my debit or credit card. With Certegy declining any check I write I am helplessly under their control. Their letter gave a phone number to talk to one of their representatives but it was fully automated and could not handle a complaint over 2 weeks old. Again, I am their hostage. How can they do this to people?

I understand that Certegy has a program called VIP where you can enroll, pay a fee and perhaps avoid declined checks. For many years the Mafia had a similar protection program in XXXX and XXXX XXXX : Pay a fee and you are protected. Such a deal.
Filed consumer complaint against XXXX XXXX XXXX with NM attorney general, the complaint, acknowledgement letter and response from XXXX  attached. In response to complaint XXXX admits their company does not keep copies of account correspondence and failed to provide a true and correct copy of the initial validation letter as I requested in my complaint. As stated in XXXX 's acknowledgement letter a " validation letter '' was allegedly mailed to me on XXXX XXXX, 2012, however XXXX instead attached a letter " template '' which provides no evidence of this validation letter existing. In their response XXXX failed to provide evidence as requested in the complaint regarding the validation of this debt. XXXX ca n't produce this letter because one does not exist and never has. Debt validation never occurred due to XXXX XXXX negligence and violated my rights as set forth in FDCPA.
On XX/XX/XXXX I took a cash advance out for XXXX with fees, the credit card company charged an additional XXXX for cash advance. I made a payment onXX/XX/XXXX for XXXX ( minimum payment due was XXXX ), I then made a payment for XXXX on XX/XX/XXXX, they did not apply the over and above payments correctly, they are still showing a cash advance balance of XXXX ( I have other charges on the card for goods and services totaling XXXX ) and the extra payment I made should have been applied to the higher interest cash advance balance per the CARD Act. The companies response was " cash advance does not fall under the regulations of the CARD Act ".
Seterus, Inc. ( Mortgage Servicing ) company has added a INCORRECT recent chapter XXXX bankrutcy to my account and can not prove to me where it came from nor can they provide me with the paper work for when this was filed, etc. I have not filed a chapter XXXX bankruptcy with this mortgage company. I have called in XX/XX/XXXX and again in XX/XX/XXXX but being told that it takes time. No one calls back with any update and I end up explaining the situation multiple times to supervisors and persons in the bankruptcy dept. Please assist.
Chase Bank persuaded me over 4 years ago to open my business account with them because, as a US Veteran, they allow my business account to have a XXXX balance without fees, they told me. For 4 years, I have used this business account to deposit checks paid to me through my XXXX  for my services as a XXXX XXXX, XXXX XXXX. No issues have occurred in all this time passed. 

This XX/XX/XXXX, my personal XXXX with XXXX, backed by Chase, was declined at the gas pump. I went into a nearby Chase Bank branch to fix this, only to be told my US Veteran business account is being closed also. All accounts, personal & business, closed effective immediately, I was told. They told me at the branch it is permanent and irreversible. Stunned, I asked why but they refused to tell me. I told them some advance notice to open a new account elsewhere would have been much less disruptive than giving me no notice. They said, as we speak, a letter to notify me they're ending the relationship is being drafted and I should receive it in the next several business days. But that's not giving me any notice. All of a sudden, I can't cash my clients ' checks remitted to me for my business 's invoices. 

I tried to remind the personnel at the branch : 1. ) I've had a relationship with them for many years. 

2. ) I'm a citizen in good standing with the government. 

3. ) I've never bounced a check, missed a bill, or had any other incident with them. 

4. ) I'm one of the few people that didn't default on my home loan after the XXXX crash. After all this time, I finally paid that 2nd mortgage back in full. 

5. ) My credit score is still XXXX. 

6. ) Earning a triple digit hourly pay rate as a white collar professional, I move more money through their bank than the average customer. 

They didn't care to hear any of this. Their subsequent letter in the mail didn't tell me more than the representative at the branch. Their explanation didn't go any further than to only say it's an " internal '' decision they've made about me. That's it. That's all I got from them. 

Because of this sudden cash flow crisis, I had to take emergency absence from my client 's office and rush to open a new bank account ( and credit card ) elsewhere. This absence has impacted my reputation with my client and also incurred a loss of income for not having worked those project hours as agreed to the client 's schedule. 

Under the duress of immediately establishing a new account anywhere in order to cash clients ' checks, I have entered into new contractual agreements not in the best interest for my business. If only I had been given some notice to begin looking elsewhere and plan/transition my exit from Chase Bank. 

I am an XXXX XXXX veteran treated by the VA for XXXX. This incident has exasperated my ability to cope with stress. This was completely unnecessary and unjust, treating me like an outlaw. I've broken no law nor breached the bank 's terms of service. I believe Chase chooses not to disclose their reason for suddenly banning me because they fear liability if they admit their unfair reason for imposing this sudden jeopardy onto me, my business, and my family.
AMCA Collection agency have listed this debt for several years representing XXXX XXXX XXXX XXXX. It was settled with one of their many collections agencies XXXX XXXX XXXX. I am sure this debt has been paid more than once, most recently XX/XX/2018. Either they of XXXX XXXX have not corrected their records.
This concerns my Visa through Best Buy, which is through ( according to my card and online account ) Citibank , N.A .
I agreed to pay the minimum due on my account each month. It is set for automatic payment. My previous credit limit was {$2500.00}.
On XX/XX/XXXX I received a statement stating that my minimum payment due was {$77.00}, due on the 1st. This has been in line with most of my minimum payments ( which have been in the $ 50-90 range. ) Today I noticed that the charge that came out of my account for this payment was instead {$450.00} on XXXX XXXX, 2017. When I checked, it appears the change was made so that the company could subsequently lower my credit limit to {$2000.00} ( the payment brought my balance under {$2000.00}. ) I have had my limit lowered by other companies as I made payments. What I do not see is how it was legal for this company to charge an EXCESSIVE extra amount - {$370.00} more than my statement stated! - in order to lower my credit limit.
Not only do I not understand how this is okay, especially with my statement specifically stating my minimum ( what I agreed they could debit each month ) as {$77.00}, but also this has caused incredible hardship. My financial situation has changed since I first applied for the card, and so the minimum payment is all I have been able to feasibly pay. The excess amount taken is half of my rent payment.
I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. Beginning XXXX XXXX 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file
I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all XXXX reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.
No money is involved. I was notified that my personal info may have been obtained in an unauthorized manner. Resolution was 1 free year of credit monitoring which expired and a second year was promised. When I tried to call and re-subscribe I met with no assistance, rather deflection and non response. I was told to call another number which I did on 3 or 4 different occasions holding for hours ( even when told waiting time would be less than an hour ) never to be connected. 

Today XXXX XXXX, 2019 I received notice from Equifax of cancellation of services and will not waste another moment attempting to extend services as I believe this was a hoax on their part all along. The cancellation notice gave the number XXXX. 

I repeatedly requested they call me and it never happened.
Opened a Citi account with promotion code XXXX, for {$400.00} bonus.Deposit of {$5000.00} in checking and {$10000.00} in savings on XX/XX/XXXX18.Maintained for 60 days which would be XX/XX/XXXX18. Then an additional 90 days for bonus to post per terms of agreement which would be XX/XX/XXXX18 at the absolute latest. All requirements are met. {$15000.00} still in open accounts so it is open and active but Citi has not posted my bonus. It is nearly a month past the absolute latest that Citi promised to post my bonus.
I was leased on as a XXXX for XXXX out of XXXX KY in XX/XX/XXXX, but due to low pay per mile I terminated my lease with them in late XX/XX/XXXXXX/XX/XXXX (XXXX)
filed a debt collection against me for XXXX to Recovery One collection agency from XXXX Ohio.The Recovery One is charging me (my acct number XXXX) XXXX and even though this matter is only in disputing stages they already made inquiries to my credit report without my consent.I have tried to contact the Recovery One and to discuss  the charges with rep  but conversation went without any progress.Looking for any help or info that I can get.Thank you.
Comeric bank gave my father XXXX a hom equity loan against my house that i own with my husband. they admitted in court tht they did not look into the title which has been in our names since XX/XX/XXXX and in XX/XX/XXXX they gave my father a loan and since he has passed away they have this lein on my hoouse and have been threating my family to foreclose i do not find this fair i need help please they already tols my then XXXX year old daughter we are going to be on the streets because he low life parents dont pay the bills. this is wrong to make her worry. it is not her bussiness .please help me
I have a Child Support of {$600.00} ( Court Ordered ). This amount is automatically deducted from paychecks every pay period. XXXX XXXX XXXX XXXX reports this account to CRA. I have been disputing the accuracy of this account for over 4 months multiple times. I have provided documentation including but not limited too : Paystubs ( 4 in total ), Copy of Order for {$600.00}, Copy of Payment Ledger from XXXX XXXX for this account, Copy of CHAT Transcript with XXXX XXXX substantiating my claims and more. CRA FAILS to update account accurately or when they do, the very next day they change it back. They are reporting FAILURE TO PAY, MORE THAN 120 DAYS LATE, Improper monthly payment requirement of {$2000.00}, Completely inaccurate Payment History for past 48 months. They FAIL to look at the documentation and just keep reporting something different each dispute. My rights under the FCRA require ACCURATE REPORTING, my rights under the FCRA require the CRA if they feel their is ANY DOUBT to the information being reported they MUST remove it. Being I have provided the COURT ORDER, COPIES OF MY PAYSTUBS, COPIES OF XXXX Records, and more they have more than sufficient information to have DOUBT if NOT EVEN CORRECT IT PROPERLY. With 4-5 disputes filed already, they make me file a NEW DISPUTE every time even though this has been the same problem from the beginning. They are clearly violating my rights under the FCRA in reporting information which CLEARLY inaccurate. I take my child support and my credit very seriously and I feel this is being done intentionally or being handled by someone who is NOT PROPERLY INVESTIGATING THE DISPUTE. Attached the complaint : LETTER to XXXX XXXXXXXX, COPIES OF CRA 'S inaccurate reporting, COPY of CHAT TRANSCRIPT with XXXX, COPY OF PAYMENT LEDGER to XXXX XXXX, PAYSTUBS showing the corresponding deductions, COPY of ORDER of $ XXXX/mo. ALL of this information has been provided to the CRA previously as well. All of this information is VERIFIABLE.
My wife and I found a new home we decided to buy it so when the lender ran our credit everything looked good but one account on mine it was from U.S Bank it said never paid a bill 90 days late cancelled account. I told the lender I do n't know anything about this account so they game me contact numbers to call to find out more about this account. Finally after four different numbers being transferred to and waiting at least 10-15 minutes each time to talk to someone I found that U.S Bank is a credit card company and someone took my information when on the internet applied for a credit and was approved for {$5000.00} so this person that stole my information purchased {$4200.00} of merchandise and never paid on it. So I talked to the lender and they said this shows up bad on credit score and this is going to drive your interest rate up maybe not even be able to get the house I had a XXXX credit score before my information was stolen now it 's a XXXX. I.S Bank told me it will take 90 days to take care of this and when they are ready to clear this from my records they will send a letter in the mail saying it 's taken care of. My wife and I ca n't wait 90 days we can miss out on this new home we are trying to buy I spoke to atleast 3 different people from U.S Bank on the phone all them say the same thing 90 days this is just not fare or right how can someone go on the internet apply for a credit card and get approved? My wife and I are frustrated we do not know what to do?