WillisBack/dataset-financial-user-claim huggingface dataset:
Around the last week of XX/XX/2018 I purchased a TV from conns in XXXX. Conns salesman XXXX XXXX pursuaded me to buy a warranty for the TV. After he explained to me that the warrant covered everything including accidental damage and that I'd have to pull out a gun and shoot the tv for it not to be covered, I agreed to go on and purchase it. Lo and behold 3 weeks or so later, the tv was damaged and inoperable. I called XXXX and he reassured me I was covered and to just call the warranty number. They told me that accidental mishaps were NOT covered. So, I called XXXX back. He said he didn't understand why I was being told that and that he'd make some calls and call me back. He never did. So I went to the store and spoke to him in person. He reiterated that the warranty was supposed to cover everything and that that's what all the sales person 's tell their clients. He said he would keep working on it and get in touch with a higher up with the customer service side of conns to see if I could get help on the weight of he TOLD ME HE WAS SELLING ME SOMETHING THAT HAD ME COVERED. He said if by some chance nothing panned out he'd buy me a TV himself with his discount. I didn't believe it and it definitely was a lie Bc Everytime I called him after that day, he stopped coming to the phone. I filed a dispute with the card provider and they gave a response that ruled in conns favor and that I should continue trying to get conns to fix this. When I initiated the dispute, i told the rep that I have PROOF of what I was told that I was buying. I don't think that part made it into the complaint. Proof! The letter the bank sent me said that if I have further documentation, I can contact them and move forward. I will be doing that because I can not afford to pay for something I don't have, pay for a product that is not as described, pay for something that turned out to NOT be what I thought I was purchasing. I'm hoping to rectify this out of court but I have worked too hard on my credit to have it ruined bc I got tangled up with a shady company and an even shadier salesperson. Also, I spoke to a manager at conns who would only tell me his name was XXXX. All he did was apologize and tell me that he doesn't know why XXXX told me that the warranty covered everything because the warranty had stopped covering EVERYTHING for months now. That's it? An apology? Why not fix it? He didn't even offer to try to do anything.
Im filing this complaint against XXXX XXXX XXXX Servicing On XXXX XXXX i contacted XXXX XXXX XXXX XXXX in which XXXX picked up the phone. I asked XXXX did I have an over draft on my account in which she stated no. So on the XXXX XXXX i wrote them a check for XXXX and on XXXX XXXX i got a letter from Bay view saying there was an over draft on my account after i wrote the check on the XXXX. So on XXXX XXXX they sent the check through for XXXX dollars but on XXXX XXXX they charged my account for XXXX which made a grand total of XXXX. I contacted XXXX XXXX on the XXXX and talked to XXXX and which she stated XXXX XXXX was in charge of doing things. I talk to XXXX on the XXXX and he said i would have my money back friday or Monday and here it is Tiesday and i still didnt receive my money. The lady i talked to gave me a tracking number for fed x but the tracking number do not go to anything it says a label has been created but has not move towards my door.They charged my account for XXXX dollars and XXXX XXXX will not return my calls I do not know his position but its not profressional for him to do that. Bay view owes me a total of XXXX XXXX dollars for the check and XXXX dollars in over drafts. I live from check to check and Friday morning i had XXXX dollars in my account i have been broke all week. XXXX XXXX XXXXXXXXXXXX XXXX
After the XXXX breach, I attempted to put a freeze on my credit. XXXX 's site reported that my data was impacted, and suggested I freeze my credit on another website. 

TransUnion hid their fraud alert website, and directed me to their paid services. Their site was unusable. 

I was eventually able to file a fraud alert using the XXXX site, but only after filling out all my personal information, SS #, and email address. So, yet another " web form '' that could be hacked or intercepted, and contains significant information for people to steal. 

The entire Social Security " system '' is a relic of 1940 's technology. When will the government upgrade this system to include multi-factor authentication and including biometrics as well? Like the XXXX XXXX in  XXXX, for example.
My Equifax credit report shows a address I have never lived at and requested payment t be removed however the bureau continues to report it m, I also disputed a Bankruptcy which is reporting showing the court as a XXXX North Carolina court I have never stepped foot in XXXX no and do not have a benkruptcy as that indicate they state this information was provided by XXXX XXXX I contacted them to learn they have no record of this filing in additions public records are suppose to be updated every 90 days and this reports as last updated 2016 ... also Equifax has reapplied a previously removed collection item without communicating anything to me
XXXX  Accounts Reporting Negatively With Incomplete Account Information I have repeatedly sent letters to XXXX, Experian, and XXXX asking them to delete the inaccurate information being reported on my reports by XXXX. They continue to report back to me that the information has been VERIFIED. 

I have repeatedly sent letters and made calls to XXXX asking them to either report complete account numbers OR remove these accounts from my credit reports. For over 15 years they have been reporting incomplete and inaccurate information to my credit files. They refuse to comply. This practice has made it difficult to manage and discern one loan from the next.

While they might say they are truncating my account numbers to protect me, the FTC opinion says the opposite : In sum, a CRA that always scrambles or truncates account or social security numbers does not comply with Section 609 of the Fair Credit Reporting Act.

They state that by NOT reporting the entire account number, they are not reporting 100 % accurate information as required by Section 609.

Section 609 ( a ) ( 1 ) of the FCRA states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ).

I am writing to request your help in having these SEVEN inaccurately accounts permanently removed from all three reporting agencies, XXXX, Experian, and XXXX.
I have a health savings account with HSA Bank, A division of Webster Bank. For 2016 I need to distribute {$6900.00} for Dental, Medical, Vision and XXXX. I recently added my bank account info to their website in order to distribute money to my account for these expenses. Their website said this would allow me to get my funds more quickly. When I attempted to distribute funds to my bank account an error message said {$2500.00} was the daily limit. I distributed that amount to my bank account, but every time I try to make subsequent distribution, they block my account. I have called them numerous times and they say will fix it, but it keeps happening. This money belongs to me, not HSA Bank. They have no right to withhold my funds. I have incurred expenses to make the numerous calls because my only phone is a pre-paid cell phone and I have lost interest that I could have received as I would have placed these funds in my Money Market Account. I have already paid the bills out of my own funds.
I have a credit card and a checking account at Citibank. I made a check deposit to Citi private bank. via their mobile banking application. I had previously tried to make the deposit to a separate credit union, but the check was above the allowed amount. I had to scratch out " For Mobile Deposit Only at XXXX '' and write " For Deposit at Citibank. '' I called after making the deposit and was told that they would notate the account and let me know if there were any problems. I was then notified that the deposit had been accepted and there was a partial release of my funds. Two days later I logged into the app and noticed that my checking ing account did not show up. When I inquired I was told there was a fraud alert on my account and that I could not currently use my checking account. I had never been notified of an issue and was told that the department that handles the account would not be open until Monday. I was told that my funds would be inaccessible and they could not do anything to help. I had a large payment that I was attempting to make today and am now unable and will incur a {$150.00} fee for the delay. Keeping a customer from their deposited funds without recourse nor notification is not only terrible customer service - it is illegal.
I have sent XXXX and Experian proof, of a paid Medical bill. That was paid by XXXX XXXX XXXX XXXX. XXXX and Experian response was after there investigation that the account is being reported accurately from XXXX XXXX XXXX which is a collection company..
Hospital debt from XXXX XXXX - charged off to Merchants Credit Association. Ongoing garnishment through employer for many years - it seemed cyclical - every 6 weeks or so. Thought nothing when the employer began taking $ from check but this time I did not receive paperwork. Found out from the creditor $ was not given to them and employer did not send any {$.00} Creditor informed me that they had sent the usual writ of garnishment but they employer did not respond. Creditor informed me that the debt was now the employers responsibility. One year later creditor performed a bank levy - when asked about the employer they stated 'it was easier to clean out your account than to get him to respond '. When I told them they said it was the employers responsibility I was told it was up to them to decide who to go after and to 'call back when I was more informed of what the laws were ' When I asked how much $ was left on the debt I was informed I only owed approx {$250.00} I was told they would call me with an exact amount once the levy went through so I could pay it off. XXXX {$510.00} cleaned out of my account again. They said they did n't have to call me if they did not want to. I asked for proof that they even contacted the employer - was informed as the debtor I do not have access to that I would have to get a court order. I can not prove that funds were taken from my paychecks since my employer never gave me check stubs - currently working with XXXX on that. 
Below is the informationMerchants Credit XXXX Department, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXXWrit of Garnishment XXXX Bank Levy XXXX Cause No XXXXApplication for Writ of GarnishmentExemption Claim
Portfolio Recover stated I owe them {$910.00} when I asked to see an agreement I had wit them they send me a copy of a letter from XXXX XXXX without a break dow of charges. Also the letter states at the bottom, " this is not an apptempt to collect a debt. When I check my credit reports, Portfolio Recovery says I owe XXXX XXXX XXXX XXXX XXXX. I called the company, they can not find a record with my name on it. I would like this charge removed from my credit report or Portfolio Recovery to provide me with an orginal agreement that I signed with them or a break down of the charges that will equal {$910.00}. I have been making this simple request for over a year now. Please try to get this company to remove this negative information from my credit reports.
While attempting to buy a car XX/XX/2014, I discovered ERC was the only negative item on my credit report. Called ERC to find out who they were, they said they collected for XXXX. They told me if I paid the amount, they would remove the account from my credit report and I could buy the car. I paid because I needed to buy the car right away, not because I agreed that I owed the debt. I dispute owing the debt to XXXX because I had the account for several years prior and did not terminate any agreement early. However, ERC still remains on my credit report as a collections account, lowering my scores and preventing me from getting a mortgage and a new car at an affordable interest rate.
I am writing to your agency in hopes you can help me with some charges on m y Chase Card  previously disputed with you guys. I would like to know the status of the disputes. I am  XXXX  and I do not own a computer, no electricity or internet and I am not computer literate . Communication is k ind of difficult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for online services, meanwhile I told them I didnt own a computer, they said it wouldnt be a problem they would do all the work for me, and they did disappeared after, I tried to contact them many times to see what was going on, and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disputed with Chase were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please.
They are not licensed to collect in my state. They called me and sent letter without being able to collect in Nevada. This is a violation of numerous laws including our state fdpca and deception laws in Nevada. Please see attached lawsuit and proof of letters they sent me and letters I sent them. Proof of certified service etc
I feel very disappointed because of a debt that now has affected my property with a lien on it with a summons I never authorize. Who ever took the summons documents never notify me so that I can negotiate with Calvary Portfolio. I feel violated of my rights under the Fare Debt Collection Practices Act and need an immediate answer.
Recently wrote to Pendricks capital partners. I explained to them i was victim of identity theft. Someone used my information in Florida for credit cards and medical bills. i live in California .. they have been removed off of my credit report by credit reporting bureaus and also some by Pendricks . however some collections are being reinserted by their partnering data furnishers and shell companies. i recently wrote to Pendricks they said to send them the report of identity theft. so that the incident does not keep happening. attached is my report from the Federal Trade commission. Please stop collecting on debts not owed. I have communications with your company well documented Its difficult as it is dealing with someone even today still trying to run my credit and open utilities in my name. much less old medical bills. i have a XXXX score I have health insurance. My credit is very important to me.
On XXXX XXXX, XXXX at approximately XXXX EST, I received a call from Phoenix Financial Services . The caller asked to speak with someone ( I assumed it was me but he butchered my name ) and immediately disclosed my date of birth. The conversation went something like : Debt collector : Hello, is this XXXX XXXX? 
Me : Yes, I 'm sorry who is this? 
Debt collector : This is Phoenix Financial Services attempting to collect a debt, is your date of birth XXXX XXXX, XXXX? 

At this point I asked him why he would disclose my date of birth almost immediately. He responded : because I can. Do n't lecture me on the law, you are n't the only person with that date of birth, it 's not unique. 

Of course, I hung up because I refuse to be insulted and yelled at by a debt collector. As far as I know, under HIPAA policies, identifiable information such as date of birth should not be so lackadaisically offered over the phone. HIPAA is relevant in this situation because he was attempting to collect a medical bill. 

Other issues that I had with this call is : 1. This debt was paid in full back in XXXX. I was taken to the emergency room after an assault - due to the nature of my injury I was referred to a local program that took care of my entire medical bill. 
2. The debt collector did not allow me the opportunity to validate the debt. The moment I started talking he starting yelling. He claimed 'he was doing me a favor ' and that 'I should be grateful '. 
3. Prior to this call, I have did not receive any notices or other calls pertaining to this debt. In fact no one has contacted me about this account since I left the hospital ( which was about 2 years ago ) * replaced with random information
False repossession and delinquent accounts plus a whole bunch of credit inquiries on my experian, XXXX  and XXXX which are not mine. I've been wasting alot of my valuable time just on the phone and disputing
I received the email below today XX/XX/XXXX from a XXXX XXXX from XXXX XXXX. I believe this is a very old payday loan I took out XXXX   years ago, and then lost my job and was unable to pay it, however I am not certain. I did receive one phone call from a woman who stated she was collecting for " XXXX XXXX '' but i did not recognize the name of the payday loan company, so i asked her who they were? She stated it was a payday loan I a took out from XXXX in XXXX. I advised I was not working and unable to pay and she became very agitated and hung up on me. Today I received this email. 
Sincerely, XXXX XXXX XXXX! 
Notice Under US Federal Law & FDCPA-811 ( Action Required ) Inline image XXXX Case File # XXXX The District Courthouse Balance Due- {$960.00} Lawsuit File Cost # {$8000.00} File Transferred- XX/XX/XXXX NOTICE OF LEGAL CREDITOR - XXXX XXXX 

Dear XXXX XXXX, This is to notify you and requires your immediate attention. Our Attorney is going to file a lawsuit of {$8000.00} in the District Courthouse shortly. It is a legal requirement to send a notice of intended litigation before legal proceeding in the District Courthouse is issued. You have the last day to tender payment in full on the Account or arrange for exact settlement of the balance. Kindly note that the XXXX Sheriff Department will be involved in this matter. 

We have repeatedly advised you of your long overdue balance but you have not made any payment and we have turned your account over to our Attorney and instructed them to commence suit without further delay. There is still time, however, to avoid lawsuit if you email us on time. This will be your last opportunity to resolve matters without the expense of court proceeding. 

XXXX If you ignore the notice, charges will be pressed against your Name are, a ) Theft by Deception ( ACC ACT 21A ) b ) Collateral Check Fraud c ) Violation of US Federal Law & FDCP Act-811 Note- This carries a maximum sentence of 2 years of prison and a fine up to {$8000.00} We trust that you will now give this matter appropriate attention and attend to payment on time so that no further action will be necessary on our part to recover payment. If you are unable to attend to payment today please respond to the notice so that alternate arrangements for paying and securing the debt might be considered. 

Note- Failure to respond to this notice may result in a negative report to the Credit Bureau Payment in full is required to stop collection activity. 

Kindly do not ignore the notice and co-operate with us so that we can close this case File outside the Courthouse. 

Thank you for your assistance in this matter Best Wishes, XXXX XXXX. 
XXXX Department ''
There are addresses on my credit report that I have never lived at. The addresses are as follows, XXXX XXXX XXXX XXXX, XXXX, OR XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX. Please these need to be investigated and then removed. I am trying to get into a home to even rent and can not due to these addresses being on my credit report. Please remove!!!
I had a  XXXX   XXXX   XXXX  credit card and used it twice for my own purchases and paid them off. Then a person I was living with stole my card and charged over {$500.00}. I tried contacting  XXXX   XXXX   XXXX  to dispute the charges but they said that they would not because there is no way that someone else used my card. I told them that I refuse to pay a debt that is not mine but they persisted and then after not receiving money for a year they sent it over to collections. I am just now finding out that I can dispute the claim.
XXXX # XXXX in the name of XXXX XXXX & XXXX XXXX. XXXX XXXX is my EX spouse. Wells Fargo is showing this account past due in accurately on all XXXX credit bureaus. For XXXX XXXX XXXX it shows late XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. For XXXX it shows late for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The letter attached shows the car was paid in full XXXX therefore it could not be 30 days past due in XXXX XXXX. However the biggest issue I am facing is the address listed on the account is XXXX 's address. I requested numerous times via phone and mail for Wells Fargo to send me bills, and commuincations at my address since I am listed on the account. The only time I received communications at my address is after the loan was paid in full and I began disputing the late payments with them. Any phone contact received from them to collect payment were made to me only after not being able to reach XXXX for payment and were always 30 days past the payment date. I made numerous attempts to request I be contacted by mail and by phone. Their inaccurate information and in ability to update the account has harmed my credit report. I am attaching a copy of the paid in full letter addressed to me but not sent to my address and never has been my addresses ever. The only reason I got a copy of this report is because I demanded a copy of it from XXXX. I requested the same letter from wells fargo and was told that it was already sent to me.
I received a letter from Act Control Technology stating I owe the U.S Department of Education, but I am currently paying the only student loan I owe to a company called " XXXX ''. I consolidated my student loan with XXXX about one year ago. I received a similar demand letter from XXXX a few months ago and disputed the account with them. I have not heard from them since. Now I am getting another demand for the same loan XXXX was trying to collect. I believe the student debt " Account Control Technology '' is trying to collect is not a legal student debt.
This account shown charge off in my credit report and I sent them a validation. They sent me a letter stating what I owe but when I look at my credit report they are reporting 3x the amount.
XXXX   XXXX   XXXX  debt collection for T   XXXX   XXXX   XXXX   XXXX   has not sent me verification of the debt. I am requesting a breakdown of the charges from the  original creditor, sign rental agreement from the creditor, payment history from the creditor, verification of the debt. They are required by law too send me the documents not just validation of the debt a billing statement with my name. I keep disputing but the collection agency does not reply too my list.
On XX/XX/XXXX, my wife and I rented a car with XXXX/XXXX  at XXXX. XXXX XXXX in XXXX XXXX. It was for 9 days. After nine days, on XX/XX/XXXX, we returned the car and flew to XXXX. When we returned the car, we filled out a complaint form with regard to an item we rented with the car ( a wireless modem ) and handed in our paperwork and were told a revised final receipt would be sent to us by email ( it wasn't ). 
When we got our credit card bill ( Bank of America ), we saw we were charged for 12 days instead of 9.  We contacted XXXX/XXXX  to get the invoice, and disputed the charge with Bank of America ; included with that dispute were copies of airline tickets showing we were flying on XX/XX/XXXX ). Bank of America will not take our side in the dispute since we had no final receipt saying when we turned in the car ( and now say we are " timed out '' for disputing further ). We continue trying to get XXXX/XXXX to respond to our dispute. 

XXXX/XXXX supplied Bank of America ( and I ) a revised reciept showing the rental for 12 days. This was never authorized and is what I dispute.