WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XXXX XXXX. 

So, basically the dates are not right and I wanted the bureau to delete the account completely considering the delinquencies are actually from XX/XX/XXXXbut for some reason were not reported until XX/XX/XXXX. Delinquencies were not from XX/XX/XXXX. The card was already closed in XX/XX/XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ).

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present
I refinanced my mortgage with Nationstar Mortgage. The closing date was XXXX XXXX, 2015 and disbursements were made on XXXX XXXX. Nationstar had authorization to access my checking account for the monthly mortgage payment. As I said, the account was paid off on XXXX XXXX but Nationstar accessed my checking account on XXXX XXXX and withdrew payment in the amount of {$2600.00}. I immediately called them to get the problem corrected and spoke to a supervisor who acknowledged the error and told me that the transaction would be reversed electronically within XXXX hours. The next day since reimbursement had not occurred I called back and was informed that the re-financed account had been closed and that reimbursement would be made by check sent by express mail. That payment arrived today but the amount reimbursed was for {$2200.00}. The bank had retained {$400.00}. When I called for an explanation they tried to " explain '' that according to their records that amount was still owed and so it was retained. I asked the supervisor, XXXX XXXX, if she was claiming that the settlement sheet ( XXXX ) which showed complete disbursement was incorrect. She said the settlement sheet was correct. I noted that the amount outstanding on the loan as of XXXX XXXX was {$370000.00} and that the payoff amount, which she acknowledged was correct, was {$380000.00} and that payment was made as scheduled on the settlement on XXXX XXXX. I also asked if Nationstar had not improperly billed my checking account for payment against a closed account whether I would have been billed for the {$400.00}. She stated that I would NOT have been billed but still insists that the bank had properly retained the {$400.00}. I then called the Settlement Agent, XXXX XXXX XXXX XXXX XXXX, which verified that disbursement had been made as stated in the settlement and that all accounts were deemed accurate. He also noted that I had received a reimbursement at settlement of {$1100.00}. No one can undertsand what the retained funds claimed by Nationstar are for.
Bank of America has charged me late fees for several months even though I had signed up for electronic payments which were set as minimum payment by the account manager. Months went by before I was contacted regarding late fees since the minimum balance was not being taken out. I decided to pay off the account which I did before the payment due date and now they are charging me a {$37.00} interest fee, this on top of all the late fees they have erroneously collected from me due to their mistake.
I have requested several times that this debt be validated the information that was sent to me was not proper validation. There is no contract that I ever signed with XXXX XXXX XXXX.I was notified today that this account has been closed but in my correspondence I asked that this be removed from my credit file.
I have been in extr  eme financial hardship -- after I pay rent I have only {$40.00} to life on.
I called Walmart/Synchrony Bank and explained the situation ( I have NEVER been late before in over 1 year since I got the card ). T  his was 2 months ago and since then I have been receiving threatening and harassing calls abou  t 12X a day at all hours.
I am being harassed, threatened and intimidated. No one should have to be treated like this -- in addition they are putting on ou  trageous late fees AFTER I called and explained and asked to work out a payment plan.     This is outrageous and is affecting my health.
I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, {$480.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. I been receiving harassing and threatening phone calls of abuse, death threats, profane language, threats of arrests and taking legal action against me repeatedly from the above debt collectors. I have sent cease and desist letters to the above debt collectors via USPS certified mail, informing the debt collectors the account is fraudulent and unauthorized, and requesting for them to stop calling and writing me about the above reference and fraudulent accounts. The debt collectors from the above creditors continue to call and send me letters. This is a serious breach and major violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. The above creditors are in violation of the ( FDCPA ).
I was charged a minimum interest fee of {$1.00} in XX/XX/XXXX, but there was no balance subject to interest ( per the creditor 's own billing statement from XX/XX/XXXX - the creditor is Bank of America ). I carry a balance on this credit card from a 0 % balance transfer. I believe the reditor has, at best, a system problem and for me it is unfair and incorrect to attempt to bill me that minimum interest fee. 

I spoke with their customer service center manager on XX/XX/XXXX, who informed me this was interest in arrears from the former billing cycle. However, the billing statement where I was charged was in XX/XX/XXXX ( {$0.00} from an annual fee of {$79.00} on the account and which had no grace period for interest accrual since I carried a balance ), payable in XX/XX/XXXX.  In early XX/XX/XXXX I made a payment far in excess of the minimum due plus any amount that might have still remained on the annual fee and the {$0.00} interest on that. This payment was reflect as paid when the creditor issued the XX/XX/XXXX billing statement. That XX/XX/XXXX statement itself showed NO AMOUNTS OR BALANCE SUBJECT TO INTEREST. 

If not a violation of Regulation Z or UDAAP, it is at least misleading and confusing. I will also I have had the same scenario with other creditors ( 0 % balance transfer offer in place when an annual fee cycles on the account ) and have never experienced this.
Discover closed my credit card account for inactivity. I had used it in XXXX XXXX for a cash advance. They closed my acct. in XXXX XXXX. Previously the card was inactive from XXXX XXXX until XXXX XXXX and it did n't get closed during all that time!! Makes no sense. It 's embarrassing, affects my credit score and is inconvenient for me. Can you help?
In XXXX, I refused to pay for this refrigerator that was returned to XXXX twice for repairs. The XXXX refrigerator was sold to me as new but it was a refrigerator off of the floor of the store. I requested a new refrigerator after the appliance failed several times within the first four months of service but I was refused. The repaired refrigerator remained at the XXXX store and I discontinued making payments on this appliance. In XXXX of XXXX, XXXX XXXX XXXX purchased the debt and filed a judgment in XXXX of XXXX. XXXX used a law firm named XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, Texas by Atty. XXXX XXXX XXXX XXXX. XXXX to serve the judgment. On XXXX XXXX, XXXX, I was asked to sign a one-page document with the understanding that the debt would be resolved due to the statue of limitations in Texas ( e.g. 4 years ). On XXXX XXXX, XXXX, I was served a writ of execution that was secured by XXXX XXXX XXXX @ XXXX XXXX XXXX, XXXX, Texas XXXX -- -Phone XXXX, XXXX. The writ of execution 's cause no is XXXX and it was filed electronically at the XXXX XXXX XXXX Clerk 's office, XXXX XXXX, XXXX XXXX, XXXX Texas XXXX. This debt is XXXX XXXX XXXX and my property has been threatened for possession and or XXXX for this alleged debt.
Reserve account is -XXXX, i called due to the fact that the account cant be overdrawn as a second chance banking reserve account. You cant overdraw that account, i transferred the money from regular checking to reserve. Afterwards i withdrew money due to attorney fees, which should of left account at XXXX   balance. However, they seem to give me the same info but i have not transferred any money from reserve to checking. Please help, i think they are abusing people.
We have 2 parcels of property located in XXXX county, ohio. XXXX XXXX XXXX XXXX, ohio XXXX ( XXXX ) and XXXX XXXX XXXX XXXX, Oh XXXX ( XXXX ) they are beside eachother. 
Our physical house is located on XXXX but our address is XXXX. The bank knew the builder put it on the wrong parcel and corrected our taxes back in XX/XX/XXXX. Our original lender was XXXX XXXX XXXX. We paid our taxes accordingly. 
Then the auditors office sent us a tax bill saying we were deliquent concerning our taxes, which we were not! They assessed us for over {$10000.00} in back taxes, and instead of contacting us concerning this matter, Huntington Bank ( whom aquired XXXX XXXX in XX/XX/XXXX) went ahead without contacting us via mail or by phone, and gave them the money and then jacked up our payment to XXXX per month! On a trailer! 
We have proof of our payments tax wise and we were angry at Huntington, especially after we froze our escrow acct. in XX/XX/XXXX, that they would not hear that we were current on our taxes and we didn't owe this to the county. 
Repeatedly, we have tried to contact them ( Huntington Bank ) and they've given us nothing but a run-around by switching us back and forth between different departments. We are now in a hurt locker because we own a small business and our customers are slow paying. 
Huntington had no right doing what they did due to the auditors office mistake and we want our money back and are willing to go to court over it but are financially strapped due to their negligence! 
Our loan number is XXXX. 
There was CLEARLY, COLLUSION BETWEEN THE AUDITORS OFFCE AND HUNTINGTON BANK TO AFFIX AN AMOUNT OWED WITHOUT ANY DOCUMENTATION WHAT-SO-EVER!
I applied for a VA Interest Rate Reduction Refinance Program mortgage loan through NEW DAY Financial LLC Prior to closing the loan. I asked my loan officer about a two-tier Va Loan due to reasons that I had just found out about. The loan officer did not respond in a timely manner and I needed to talk to someone that had knowledge of this process. I went to another company and they explained everything to me and got me Preapproved for my move to Florida, I closed XXXX XXXX, XXXX with New Day Financial. For MY XXXX Loan and Later found out from my XXXX XXXX XXXX that I had signed a Occupancy Statement with New Day Financial stating that I will Occupy the property as my principal residence within 60 Days as of the date of closing in compliance with the terms of the Deed of Trust Mortgage/ Security Instrument relating to the subject Property, and I would continue to occupy the property as my principal residence for at least one year after the date of occupancy. Unless Lend otherwise agrees in writing or extenuating circumstances exist which are beyond my control. I have been the owner and primary residence since XXXX XXXX, XXXX, I called my loan officer at New Day Financial and explained to him that for medical reasons I needed to move to a warmer climate and I had found a home in Florida in which I can spend my winter months and I needed a release of occupancy from New Day Financial, because under the VA two-tier the home in Florida would become my principle residence and my home here would become a second home. The loan officer told me that do not or never have issued a letter of XXXX XXXX and they would not do it. Under VA XXXX rules the VA explained me that I had met my Occupancy Requirement under VA XXXX and Regulations and so I was now confused. If they never do a XXXX XXXX. How can they have me sign a XXXX XXXX that says otherwise. I do not have any Prepayment Penalties, so If I wanted to sell the home and pay off the Mortgage it was ok. It Just do not add up. the XXXX XXXX does not understand what they are talking about. The new Loan Company that is Funding my House is asking for The Occupancy Release and I am totally confused. I have a preapproval Letter from my New Mortgage Company, I found a nice home had my inspection, and XXXX, flew to Florida, rented a Car. Inspected the home, Have a Purchase agreement everything is set except for this XXXX XXXX. Can Someone Help Me Please. XXXX
I called to close this account, XXXX XXXX XXXX, and I got a letter in the mail stating that any automatic charges may be accepted and billed. I had a fraudulent charge ( only {$9.00} ), but thats why I closed it and should any more false charges happen they seem to think its my responsibility. CLOSED should mean CLOSED. This is simply a nasty way for a credit card company to potentially make more money on interest, and billing me. Simply not acceptable
Debt collectors calling telling me that I will be sued if I do n't pay. She calls a couple times a week threatening me with lawsuits and jail if I do not pay.
Bank just closed all my accounts one day without any explanation i contacted them to no resolve My personal checking savings and business checking
Equifax reports a hard inquiry dated back XX/XX/2017 again once you disputed before. Some company called XXXX XXXX XXXX-no address or phone number listed. Strange! They have placed it back on my credit reportt this year. I have a credit report monitoring system that alert me when a credit report agency invalid report false inquiry like Equifax has systematically with my credit report status dropping my points to XXXX purposely sabotaging my credit profiles. I don't like it!
XXXX CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.
Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to IC Systems Inc. on XX/XX/2017. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. IC System Inc. claims I owe a debt from a XXXX XXXX Bill that I actually left in my given time. I had my Personal FinanciaXXXX Consultant XXXX XXXX to speak on my behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by IC System Inc. Therefore, by the FDCPA IC System Inc. fail to prove that I had a bill from XXXX XXXX. So, IC System Inc. was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and IC System Inc. agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, IC System Inc. is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of IC System Inc. from my credit report. I am going to provide all my evidence to my case.
I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in    XXXX   XXXX   XXXX   and  my dispute case disappeared. I disputed  again in   XXXX   XXXX   and th is company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  has investigated and removed this right away.
My client is trying to get a lower payment for her HELOC with Bank of America. The payment has jumped from {$360.00} to over {$1000.00} per month as its in repayment. Since she is a senior citizen she asked me to help. Bank of America asked for an authorization to allow me to speak for her. She walked into a Bank America branch and had a personal banker send in. When I called on Tuesday ( XX/XX/XXXX ) I was told that the authorization needed to have an expiration date. We amended the authorization and my client went back to the branch to submit on XX/XX/XXXX. I called this morning ( XX/XX/XXXX) and the first person I spoke to said they don't have an authorization ( which is nonsense ) so I asked to be transferred to someone else. XXXX in Texas was his name and he said they needed a legal POA to continue and I told him no I didn't as I had already spoke to Bank of America earlier this week and all I was asked for was an expiration date to be added to original authorization, He transferred and after waiting on hold was disconnected.
THIS IS WRITTEN NOTICE TO AFNI THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAL TIMES FOR PROOF THAT I HAVE A LEGAL OBLIGATION TO PAY YOU AFNI. THIS ALLEGED ACCOUNT HAS BEEN ILLEGALLY DISPLAYED ON MY CREDIT REPORTS ( XXXX, XXXX, AND TRANSUNION ), AND IF VERIFICATION CAN NOT BE MADE WITHIN THE 30 DAY TIME FRAME ALLOWED TO AFNI BY LAW. THE DISPUTED ITEM LISTED IN MY DISPUTE MUST NOW BE COMPLETELY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). 
AS AFNI IS NO DOUBT AWARE THAT THEY HAVE EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW. 

THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITING OF ANY CLAIM. AFNI HAS FAILED TO REMOVE THIS INACCURATE ACCOUNT INFORMATION, AND THIS UNVERIFIED INVALIDATED INFORMATION SHOULD NO LONGER BE ASSOCIATED WITH MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). 

I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN INFORCE FINES AND FEES AGAINST AFNI FOR A DIRECT VIOLATION OF THE LAWS?
After pulling my credit report I found that I had a collection account from Stellar Recovery Inc . I reached out to them at XXXX and spoke with XXXX representatives. The first agent I spoke with in regards to this matter was unable to locate an account. After getting annoyed by the situation I was then transferred to XXXX who was able to locate the information. When trying to find out why I was n't given the proper notification so I am able to handle the matter at hand I was informed that not only did they not have the correct address on file which the vender Century Link does have to proper address on file. I asked if they verified any information and was informed they did not. I then proceeded to figure out why they went against FTC collections policy and what it was going to take to get this handled and removed. They told me they would not do anything and if I pay it they will just mark it as paid on my report. I also found that they shared my information with XXXX parties which I did not agree to. 

By law all this information was supposed to be verified by the vender including the mailing address. This company failed to follow those compliances the demanded that I pay it so they can mark it as paid.
On XX/XX/XXXX I called XXXX 's regarding my account. I had not received a bill from them for a couple of months. I was told that it was overdue on XX/XX/XXXX So I went to XXXX 's store and paid the balance due. They waived all late fees and penalty fees due at that time. However, XXXX 's continued to charge me late and penalty fees for two months afterward. XXXX and XXXX had late fees and penalty fees added. I called XXXX 's and on XX/XX/XXXX and again on XX/XX/XXXX to clear the charges of {$81.00}. I even sent a letter to XXXX XXXX and XXXX XXXX, President and CEO of XXXX XXXX to help clear this matter. Nothing was done and the executive department said that the charges of {$81.00} were to remain on my credit report, even though there was a XXXX  balance on my account. 
On XX/XX/XXXX XXXX 's again reported my account of {$81.00} past due. I called XXXX XXXX credit department and they told me that there was a XXXX balance, but the charges of {$81.00} were to remain in my credit report as past due even though it wasn't.
I BROUGHT A BRAIN ENHANCER ONLINE AND XXXX $ CAME OUT MY ACCOUNT 3 DAYS LATER THE SAME PEOPLE TOOK OUT XXXX BUCKS
In XXXX and XX/XX/XXXX my hospital submitted charges for services performed by an XXXX, resulting in insurance paying as out-of-network. Hospital has been repeatedly billing me for the portion which which would have been paid by insurance if claim had been submitted properly. 
I personally visited hospital billing office, made phone calls and sent them a letter advising of dispute. At XXXX point they said they would stop billing for those charges but they recently resumed and then turned the charges over to a collection agency. 
Last week ( XX/XX/XXXX ) I received a call from the collection agency. I tried to inform the caller that those were disputed charges for physician services being charged by a hospital, but he interrupted me shouting that we had discussed this before and the billing was for hospital charges not physician services. His statements were not true. We had not discussed it before, and the charges are for physician services. 
I called the hospital customer service number and after placing me on hold while consulting with billing, they told me that XXXX of the charges should not have been submitted to the collection company and they were withdrawing that XXXX for now but may re-submit it at a later date. The other charge remains with the collection agency. I have advised the collection agency in writing that the charges are disputed. 
I have paid all of my legal obligations to that hospital. The only charges I refuse to pay are the ones that resulted from them billing incorrectly for physician services, resulting in insurance not paying as in-network. 
I was being treated there last year for XXXX and am now being treated elsewhere. The incessant billing, and now the abusive phone collection attempt, is increasing unmanageable stress to a level that I believe is harmful to my health and is interfering with my recovery.
The number of times overdue which is actually published on my credit report appears inaccurate and or misleading.
XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX reported my credit card stolen. 
Last replacement card activation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX can pnc XXXX XXXX keep my card open