WillisBack/dataset-financial-user-claim huggingface dataset:
There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. 

In the last year, this account has changed from XXXX to XXXX to XXXX to the current holder, ECMC. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. XXXX/ECMC is not only reporting this inaccurate account on all XXXX of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from XXXX XXXX, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! 

Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by ECMC. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor ECMC ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. 

During the first week of XXXX, I contacted both XXXX XXXX XXXX and ECMC again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an ECMC staff member, informed me that ECMC sent an email on my behalf to XXXX XXXX XXXX on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.
I receive numerous phone calls and numerous numbers from Portfolio Recovery. At least 10 calls a day. 
The only debt it could be was already discharged from XXXX XXXX for {$900.00} four years ago during a divorce. 
I can't take this harassment anymore. I'm XXXX years old and not healthy. They call all hours and as I said at least 10 times a day. 
Thank you
XXXX, Chase Loan number XXXX In XX/XX/XXXX, as a new home owner, I accepted a variable rate loan with limited knowledge of how that loan would work. I accept my decision to do so and my responsibility for that commitment. In XX/XX/XXXX, a job opportunity took my wife and I out of state. At that point our condo had negative equity of approximately {$150000.00}. We made the responsible decision to retain our property, rent it and continue to pay on the loan to which I 'd committed. From XX/XX/XXXX, to XX/XX/XXXX our mortgage spiked 85 % from {$1400.00} per month to {$2600.00} an increase of {$1200.00}. 
I am an US veteran who has never been late or short on my mortgage yet I am currently facing the loss of my home. I believe the structure of the loan, originated in XX/XX/XXXX, is the reason this agency was created, and I 'm seeking your perspective on my suspicion that I 've been deceived, treated unfair and the target of predatory practices. 

I have compiled a recap of my interactions The following dates, times and points of contact recap my interactions with Chase since XX/XX/XXXX. Per the script presented to me prior to each discussion, these calls are all recorded or monitored and therefore should be available for confirmation of accuracy. I can provide a copy my recap of each interaction as well as my phone bills to aid identification and review of each call if necessary. Among the time-line you will notice from Chase : Numerous commitments to follow up that did not occur. 
Numerous occasions where there was no adherence to the communicated timeline. 
An unwarranted move of my loan from modification to liquidation status resulting in an 18-day delay. 
An occasion where I was told that I was calling too much, and that I should, " ... just let the process happen. '' Two occasions where I was told that action had been taken, that had not. 
As we are now approaching 90 days into a 30-day process, I employ your help and am seeking your intercession to aid us in coming to a rapid resolution to this situation. I 'm specifically requesting a copy and interpretation of what the 10-year adjustment entails, and assistance acquiring a streamline of our loan to allow us to keep the home. I would like a response to this request, and guidance as to how best to proceed from this point. 
It is as result of this treatment, that I have lost faith in the sincerity of Chase to want to aid resolution of the situation and question if their true intent all along has been to force me to default on my loan justifying their desire to repossess my home. To a juggernaut of a company such as Chase this event means nothing, but to my family and I it has a great deal of impact ; damaging my credit, eliminating a path to grow future financial stability through this home, and hurting our ability to borrow for years to come. I 've confirmed to Chase verbally and through my actions that I 'd like to retain our home, have never been late or short on a payment in over 10 years and feel I 'm being strung along towards a decision that may not have positive intent or be in consideration of my best interest. 
Sincerely, XXXX
OnXX/XX/XXXX, I received a phone call from a man saying his name was XXXX XXXX from Nations Recovery Center. He said there was a judgment against me, and to contact him to set up payments. He tried to say that this was not the first time that he had contacted me, but i have received no letters, no voicemails, and there are no judgments against me showing on my credit report. As far as I know, there was no attempt ever made to contact me about money owed. He said that they were trying to resolve this as privately as possible, but if i didn'r respond, then it would complicate things. To me, this sounds like a threat to release my private information.
On XXXX/XXXX/15 I sent a Cease and Desist letter to Southern Finance, as a representative had come to my place of employment and I wanted to ensure that the harassment would stop. However, Southern Finance continues to call me and references provided on my application multiple times a day. I am experiencing a financial and have been meeting with a non-profit financial counselor. I have been advised that my budget only allows me to pay for my most basic needs such as mortgage, food, and health.
I was XXXX XXXX for a debt that I never incurred. I have tried several times to resolve this with the creditor and they refuse to provide proof of the debt simply stating that they are validating the debt.
On XXXX XXXX, I received a request for funds from a relative in XXXX who needed it for an emergency on the following day. I had not sent money to this relative in many years, so I had to fill out a form with Western Union to be able to send the money. When my relative tried to cash the money transfer, he was denied the funds, but not given a reason why. When I got involved, a representative told me that either he submitted an official ID through e-mail to western union ( XXXXXXXXXXXX ), fax it, OR we had to send a letter of explanation to Western Union with a picture of my signature. There were problems with both options : my relatives in XXXX do not have the technology or the know how to e-mail the picture ID, and the letter of explanation had to be accompanied with many details I do not know about my relative, and that I know well he would n't be willing to give me. These were facts such as date and place of birth, occupation, address, etc. I must mention here that while I have a moral obligation to assist this relative, our relationship is not the best. So I decided to cancel the money transfer, with the intention to re-send it to another mutual relative who is in my Western Union profile and receives money transfers without any difficulty. She could in turn deliver the funds to the original intended recipient. This is the part with which I have a problem : Western Union stated that that was n't an option at all. How is that possible? Either my estranged relative submitted an ID, which I was not even sure he had, and he stated that it would be too difficult for him, or I submitted the letter of explanation. Else, according to Western Union, they would keep the funds for a year and then submit it to the Treasury Department. 
This defied any sense of logic. It was my money and I simply wanted to cancel the transaction. I called back to seek an explanation ( was it a regulatory requirement or simply an internal policy? What gave them the power to simply keep my money? ) I was NOT given a reasonable explanation. Their explanation was basically " that is the process. ''
I submitted a previous complaint through the Consumer Financial Protection Bureau, under case number  XXXX . Thank you for removing the late payment fees from my account as a result of your mistake. At this time, I am requesting a credit balance refund check be sent to me at the address listed on file.     After reading Kohl 's response letter, I do not agree with the result of the 'investigation ' into the delinquent remarks placed on my credit report. The response provided by  XXXX   XXXX   XXXX  brought additional questions that I would like to have answered.     Kohl 's response indicated that, during  XXXX   XXXX , I elected to have only electronic billing notifications provided when there was a balance due and to suppress paper billing statements. While this  may or may no t be true, I do not recall making this election in  XXXX   XXXX . However, because this is the response provided by Kohl 's, I would like to know how and why I continued to receive monthly paper billing statements through  XXXX   XXXX , two years after the alleged election was made to ONLY receive electronic billing notifications? Furthermore, I would also like to know the exact dates that I logged into my account online to view my account activity.     Based on these questions, to which I 'm sure will not properly be answered, the delinquent remarks should be immediately removed from my credit report as it is an inaccurate representation of the status of my account with Kohl 's. I am also requesting that the " customer disputes reporting '' remark be immediately removed from my credit report as I never requested that my account be listed that way.
premier auto credit has continued to report incorrectly on my credit for almost 6 months now. The mail i have sent to them regarding my alleged debt has been returned multiple times. This means the address listed on my credit report is incorrect and HAS to be deleted by law. I have tried to contact XXXX and XXXX regarding this matter and they haven't responded either. I have proof and the undelivered letter that i received back when i sent a letter to the address reported on my credit report
My Macy 's account managed by Citibank was written off in XXXX. The balance was moving around to different companies after the write off. That added money to the balance. Citibank took the balance back for the collection agencies and issued a XXXX in XXXX for the higher balance. I wrote the CFO of Citibank by certified mail but he did not answer me and I wrote the XXXX and they did not answer me. But this activity is a violation of XXXX XXXX, Citibank can not keep a AR on their books that was written off in XXXX and then issue a XXXX in XXXX. This misstates their treasury requirements with the Fed and misstates their filingswith the SEC, plays with my credit reporting and distorts my rights under XXXX code regarding the reporting of income. Is this what Obama agreed too?
Equifax is allowing these companies to continue to report fraud info on my credit profile, totally willfully disregarding my rights with the 605 ( b ) fcra law. I have sent in all the necessary documents to have these fraud items blocked from my report. They have had my documents far longer than the 4 business days of receipt stated in the 605b law. I call and they say they are still allowing creditors to pend their investigation, they will not block accounts, this is despicable. Willfully abusing a consumers rights.
On XX/XX/2017 XXXX and Property service filled a default judgment. An then went back on XX/XX/2017 and filled a motion to dismiss any money claims in the unlawful detainer. XXXX XXXX   service went back a couple months later and reported a debt being owed in the amount of $ 3000+ plus dollars To National credit systems who's now harassing me about charges that were dismissed. I do have a copy of the letter from the courts where the motion was filled to dismiss all monies owed if needed.
Dear Sir Madam, On  XXXX   XXXX   2017 , I submitted a complaint to you about Experian reporting agency, they replied to me online that the public record is going to remain on my report, Just to let you know, I disputed that public record with the other  XXXX  reporting agencies  XXXX  and  XXXX , both have deleted the public record from my reports. Experian kept the public record on my report, although it 's false. Should Experian keep that info on my report, I will have no other alternative but to have a massive lawsuit against Experian. Currently I am in contact with  XXXX  NJ Bankruptcy court and my Attorney to process the lawsuit against Experian should they not delete the wrong information from my report. Experian answer is always the same without regard or consideration to any consumer what so ever.
There are XXXX inquiries on my credit report from XXXX that shows opened. They have been taking care of as of 2011 and need to be shown closed Thank you, XXXX XXXX
I am filing this complaint against Bank of America in XXXX XXXX, California. 

Yesterday I went to the branch to place my wife 's automobile title into our safe deposit box. A bank manager led me into the vault where we both discovered my box drilled open and my documents and cash removed from the box ( see attached photos ). There were XXXX bank employees in the vault with several plastic bags holding documents from other customers ' boxes. I asked where my documents were and they produced a sealed plastic bag with my documents and cash inside. I asked why they removed my documents from the box and they initially said that it was due to non-payment of the box fees. Then they changed their story and said that they did it because they did not have all my wife 's information. I asked what would have happened had I not shown up to discover this. They answered that they were going to send all the contents to a " holding facility ''. The bank manager who led me into the vault was as surprised as I was. The XXXX employees seemed surprised as well. I said : " Let me get the straight. I come in here to find my personal documents and thousands of dollars in foreign currency removed from my safe deposit box. You have my phone number, my email, my BOA account on your website, and you could not contact me? Had I come in tomorrow all my personal belongings would have been gone. '' My question is : Is this legal? I never received any notice of delinquent fees, nor any notice of my wife 's information being incomplete. They have my physical address, email, my phone number. I use the ATM at the branch weekly. They could have blocked my use and sent me a message to see a bank officer. 

I feel that our privacy has been violated. Among the many sensitive documents in the box, the documents included our marriage license, my wife 's Social Security Card, our parents ' living wills, our Pre-Marriage Agreement and our birthdates and social security numbers. To me this is a direct violation of the trust agreement between us and Bank of America.
I have a XXXX Bank XXXX XXXX credit card. I received a direct mail flyer over a year ago inviting me to apply for a XXXX Bank XXXX American Express credit card with a {$49.00} annual fee. In the flyer, it said that I would receive a {$49.00} " relationship bonus '' to offset the annual fee if I had any other qualifying XXXX Bank products, including another XXXX Bank credit card. So I signed up. After I was charged the annual fee XXXX, I called to inquire about the relationship bonus and was told that other XXXX Bank credit cards were not eligible for this bonus - only checking accounts and other products. In XXXX, I received the same flyer inviting me to apply for the XXXX Bank XXXX American Express card ( their system must not have excluded me ) and it clearly states that a qualifying XXXX Bank product for the {$49.00} relationship bonus may include a " XXXX Bank-issued credit card. '' I called again today and was told that the card member agreement says that other XXXX Bank credit cards are not eligible for the bonus. This is a problem - their card member agreement does not match their marketing. I would not have signed up for this card if I thought I would be charged an annual fee.
On  XX/XX/17    I contact ed Kohl 's Collection    department about an account opened in my name, in collections, that I had not authorized in the amount of {$750.00}. Most of this was late fees. It was discovered while I was in the process of trying to qualify for a mortgage. I was told I could not dispute this account & that they would leave it in my credit reports, damaging my chance of getting a mortgage unless I paid part of it. They also refused to adjust the fees & alow me to pay the balance to re-open the account. I made a settlement arranegment for the amount of {$280.00} & gave their rep my checking account number to withdraw the settlement amount, via Check by Phone scheduled for that date.This was due to the facr they claimed they could not use a debit card for this transaction. They gave me a confirmation number of  XXXX . The money was in my account & I watched & waited for it to clear.     When it did not, I called their collections department again on  XX/XX/17   . They said the payment did not go through. I checked with my bank & they say the Check by Phone was never requested. This rep said they could take a debit card, so I gave him the number for the one associated with the same checking account I provided previously. I was given a new confirmation number,  XXXX .     This time the money was withdrawn from my account, {$280.00} on  XX/XX/17   . Why they waited two days I do not know since it was sitting there the entire time.     I 've received  3  different letters fr om Kohls regarding this transaction, all coming about a week after the d ates posted on them. The first, dated  XX/XX/17    informs me  the  XXXX 17 tr ansaction did not go through. I got that in the mail on  XX/XX/17   . The next dated  XX/XX/17    states that my current balance is {$750.00} & my scheduled payment for  XX/XX/17    is {$280.00}. I got this  one  on  XX/XX/17   . The third is dated  XX/XX/17    & states my current balance is {$470.00} & my scheduled payment is {$280.00} due on  XX/XX/17   . I have as of today not recieved a  XXXX  balance letter stating this is settled.     I have call ed Kohls also  on  XX/XX/17    & asked about the    XXXX     balance letter & they keep telling me it 's on it 's way. They have refused to issue it digitally & continue to report this account as in collections. It has indeed damaged my ability to get approved for a mortgage, and I am quite unhappy with this since it was an account that was fraudulently started my my ex.
I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, XXXX XXXX XXXX XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I paid Loan Depot {$2500.00} for the Lender, ( Loan Depot ) to get this loan for me and lock my interest rate in at 3.75 %. Between XXXX and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of mine that I can see, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot another origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with XXXX and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. As far as I am concerned Loan Depot knew full well that it was not me dragging my feet or holding up the process but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed anyway before they raised the rate against my will again.
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY XXXX AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
I sold my property 2 years age and paid off the loan serviced by GreenTreeServicing LLC. They continue to report that I have not paid the loan and that I still owe on it, when it was clearly settled. This is affecting my credit reports as they are being non cooperative.
My bank all of a sudden send me a letter stating that they are closing my account. When I asked them what happened, the reason was " it 's a business decision ''. I understand that they can do that, my concern is what happened that triggered it. 

They did leave my business account open.