WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX my dispute of 2 questionable reportings from Chase Bank via certified mail # XXXX and # XXXX was signed. The account is being reported as charged off for {$5400.00} and {$3700.00} and I am disputing this. I am requesting documents bearing my signature to show the validity of these accounts that are being reported to all three credit bureaus.Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have been mailed statements ( with no signatures ). I mailed 2 more certified letters via certified mail # XXXX and # XXXX and they were delivered XX/XX/XXXX requesting the validation. 
Please see attached dispute and supporting docs. My dispute requested that Chase Bank provide the substantive information used to verify and authenticate the purported account. The failure to report the items " disputed '' with in 30 days constitutes an immediate removal of this item from my credit report ( time stamped credit reports 31 days after Chase Bank signed for the certified letters ). Per federal regulation these items must be immediately and permanently removed from my credit reports for Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
I had a credit card account with Commerce Bank in excellent standing for a few years and closed it in XX/XX/2018 with a XXXX balance. I received a letter dated XX/XX/2018 stating this and was concerned about the sentenceIf further transactions are presented, you will receive a statement showing the amount due. The card expired at the end of XX/XX/2018 and no charges were made from then until receiving that letter stating official closure of the account. I have confirmed this. I contacted multiple representatives of Commerce Bank, in particular, XXXX XXXX ( XXXX ) and XXXX XXXX ( a consumer advocate at Commerce Bank XXXX, who both told me that the account could be charged in the future if a person or company sends a charge to it. Even months or years later, according to both of them. According to XXXX XXXX, Commerce Bank has an agreement with XXXX that allows this to occur. I read my Cardholder agreement in its entirety, and there is no stipulation that my credit card account is indefinite after it is closed. This is highly irregular and unsettling -- an account that is perpetually open. I can't even access the account anymore because I closed it, yet it may be charged in the future. This is highly irregular. Never encountered this before, and I have used credit cards for nearly 4 decades.
Wrote letter on XXXX to SYNDICATED OFFICE SYSTEMS that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of XXXX XXXX XXXX ( A ) ( XXXX ). This law requires all creditors and XXXX to notify me by mail before placing negative items on my credit report. Advised SYNDICATED OFFICE SYSTEMS to removed incorrect information off my credit report. More importantly, SYNDICATED OFFICE SYSTEMS are in violation of XXXX XXXX XXXX ( A ) ( XXXX ). Never received any correspondence from SYNDICATED OFFICE SYSTEMS.
I have already sent in numerous complaints regarding Bank of America and my mortgage problems as you can check via case numbers XXXX XXXX XXXX XXXX XXXX I am being asked to sign a form to voluntarily terminate my FHA mortgage insurance by Bank of Amercia when this has never been brought up before and their reasoning told to me is that it will give them more wiggle room to possibly help me. I have nothing sent to me outlining how this will help me. How will something that is meant to be a source of protection to BOA in case of Foreclosure XXXX which they have set for XX/XX/XXXX? Also, if I were to sign this and they proceed to foreclose how am I protected. I feel like I am being herded in the direction of not only losing my home but ultimate financial ruin. Is this really a viable solution for me? They still are n't addressing the fees they have been charging XXXX erroneously ) since I had a short sale buyer for almost XXXX years via Bank of America Short Sale program in which BOA dropped the ball on so to speak and I eventually lost the buyer in XX/XX/XXXX. I am beseeching help in this situation.
I applied for a credit card with Barclays Bank. I got denied. They said " our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' This is not true. I 've never had any of these with Barclays. I always paid my credit cards on time. I 've never had XXXX delinquency with them, let alone a severe XXXX. I have no negative performances on my record. I feel that somehow I 've been blacklisted with Barclays. I do n't know why, but it is extremely discriminatory.
i have debt validation request with not response and i have told them repeatedly and that the account that they are reporting is fraud and i did not open them. Ashmer Collections will not comply with any of the XXXX laws and will not give me verifiable proff. I have told them several time the accounts are fraudulent and i get no response from them or put on hold
NC Financial Solutions of Utah, LLC d/b/a NetCredit ( hereafter " NetCredit '' ) is loaning money to consumers in XXXX and charging an annual interest rate of 150 percent. XXXX. Code Ann sec 6.2-1501 ( A ) requires consumer finance companies charging a rate of interest in excess of 12 percent to first obtain a license from the XXXX State Corporation Commission . NetCredit is not licensed as a consumer finance company by the XXXX SCC. 

When questioned about the above, NetCredit claims that their XXXX license authorizes it to make loans to XXXX residents. ( 1 ) Utah does not even license this kind of business. Businesses are merely required to give notice if they are conducting this kind of business in XXXX. ( 2 ) NetCredit is a XXXX, LLC with its offices in XXXX and, as near as I can tell, no physical locations in Utah ; and ( 3 ) XXXX absolutely has the right to statutorily regulate loans made to its residents. 

XXXX Code Ann Sec . 6.2-1541 provides that loans made in violation off sec. 6.2-1501 are void and NetCredit is obligated to return all principal, interest and fees paid by me.
My Chapter XXXX bankruptcy was discharged on XXXX XXXX, 2016 and XXXX XXXX was informed, yet after countless attempts they still refuse to report my account as open with a balance owed. I submitted a dispute to Trans Union on XXXX XXXX, 2016 and still XXXX XXXX refuse to correct the inaccurate information. I pay {$570.00} each month and my credit will never fully be restored if XXXX XXXX does n't correct the inaccurate information. Please HELP!!
I have contacted Experian and XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- Experian , XXXX and XXXX immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.
Somehow, American Express obtained my cell number in an attempt to get a message to and obtain information to reach my brother ; which neither my brother nor I had given them said number ; nor has there been any connection with said telephone number credit or financial histories. I called them to tell them to stop ; and I have told them we have given him the message ; ; but they couldn't do anything because I don't have my brothers account number with them, or his credit card number. I also have copies of several voice mails they have left ; that I can furnish you with, upon request. I have two numbers that are connected with this complaint ; which are ( XXXX ) XXXX and/or ( XXXX ) XXXX. My brothers name is XXXX XXXX XXXX.
I got the below below email from Wells Fargo. 




Date : Sat, XX/XX/2016 XXXX XXXX From : XXXXXXXXXXXX To : Subject : Wells Fargo fraud claim on your account We? re researching fraud claim on your account : Here? s what you need to do Dear Customer : We want to help keep your account secure so we continuously monitor it for possible fraudulent activity We 're writing to verify the transaction On XX/XX/2016 was authorized by you or another person, The transaction was against bank Tearms and Use. 

What you need to do now? 
Please visit the Customer Center here XXXX login to your online banking? 
Review and enter all billing information carefully, and make sure it is up to date? 
You will receive an email from us in the next 24 hours confirming your transaction PLEASE NOTE : failure to verify your billing information before the next working day will lead to your online banking suspension and your account frozen. 


If you have any questions, please call us at XXXX from the U.S. or XXXX. Internationally, you can call us collect at XXXX. 

Thank you for being our customer. 

Sincerely, Wells Fargo Fraud Department
In XXXX we filed a chapter XXXX in XXXX ind, case XXXX, XXXX XXXX was Tha morgage holder, we paid payments every week on time for 6 years and 7 months, we completed our bankruptcy, it was discharged, XXXX and XXXX services were afilliated also, since then a few banks have filed foreclosure on us, but never got past the bankruptcy, since then, XXXX n XXXX and now nationstar claims we owe XXXX the loan was onlyXXXX, now they have harrasement us by mail n phone, they obtained a forclose without us being notified by the XXXX county court in XXXX ind, the only papers we recieved was from a lawfirm of XXXX XXXX XXXX, none of the papers were court filed or stamped, now they have our house up for sale in XX/XX/XXXX, nationstar the man 's name is XXXX XXXX , we only recieved a court paper stating nation star was substitute for us bank, it 's a federal crime that they somehow for closed on my morgage, without a court hearing, ,cause number XXXX, from what I could tell XXXX XXXX copied papers from a XXXX for closure that XXXX XXXX tried but was thrown out by XXXX XXXX, ,I 've obtained my documents from the federal court, and I will be taking them to judge XXXX office and the county clerk, nationstar is commiting a federal crime, please help us, sincerely XXXX XXXX
I have attempted to make extra payments, increase my monthly payments, and/or have attempted to make interest payments while my loans were deferred. Every time I attempted any of these, I was unable to make the payment or increase the payment amount. When reaching out and calling customer service, I experienced heavy wait times and could not get through to any representative. When I would attempt to make extra payments during my repayment period, I was asked if I was making my next months payment early, which I wasn't. I was never able to make extra payment. They always applied it or told me they would apply it to the next months payment. I have never been able to get ahead on my loans with this organization. Increasing my monthly payment was extremely difficult and was hard to find the correct information online in order to do this. When I called for help, I could not reach anyone.
My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is an XXXX debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.
XXXX XXXX continues to call me. I owe around {$480.00} on a credit card debt and the debt has been passed to them. As of and including today, XX/XX/2018, they have called at least once if not more every single day. I requested they communicate only through mail. They have not complied. I requested they stop contacting me, and that further contact would be considered harassment. They attempted to tell me they could call any time they wished and that it wasnt harassment. I also have been unable to get any information on disputing the debt from them, they will not provide it.
To Whom It May Concern, We have a MIP on our mortgage. We are at an estimated 68 % loan to value. I have asked M & T bank several times for it to be removed and it has not been done. I am estimating that we have reached the necessary 78 % 10 months ago. Our mortgage is in excellent standing, never late and additional principle payments. The last time I requested for the MIP to be removed I received a letter stating that it would be removed when my loan has reached an unpaid balance of {$500000.00} my unpaid balance is {$480000.00}. 
My desired resolution is to remove the MIP and be reimbursed for the months that I should not have been paying. 
Thank you in advance for your help. 
XXXX XXXX
XXXX XXXX, XXXX ; BY ITS SERVINGS AGENT ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX, ANDXXXX XXXX XXXX KOHN LAW FIRM ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXXthese creditors are trying to collect a third party debt from me after I informed them that I do not pay third party debt collectors or their attorneys. I do n't know what the original debt was for or from, nor do I care.. Do not contact me, or any third parties regarding this or any other unsecured debt. 

Furthermore, I formally dispute the validity of this debt, due to the fact that several unsecured debts credit card, medical debts, and student loan debts, personal loans, cell phone bills, utility bills, bank overdraft charges, unsecured auto loans, payday loans and/or the like have engaged in the practice of selling and reselling the original debt for collection by agencies and law firms such as yours. This has the result of turning an single debt into multiple debts from various collection agencies all for the same debt plus costs, handling charges and/or the like assorted fees. 

I have informed them of this 2 times already. Now they want me to meet them in a Court commissioner office on XXXX XXXX, 2015. The attorney says that I am in contempt of court for not contacting her. I do not believe that America has a debtor prison or debtor prison collection system. Please have them leave me alone.
So I applied for a XXXX loan and was approved they had deposited XXXX into my account on the XXXX and now the check shows reversed and my account is negative XXXX and when I called they said the money would be depoisted Monday at XXXX with the rest of the money missing
I have been trying to work with Ocwen since XX/XX/2016 to secure a loan modification. After many phone calls I noticed they were asking for the same information over and over or just not listening to what I had to say about my hardship. My work schedule is very irregular I work nights and may be away from home for several weeks at a time, also get paid from several different companies, since I was having a hard time explaining this to Ocwen, I asked my former Real Estate Broker to help me. With help of my brokers staff which includes people very familiar with the mortgage industry we have emailed and faxed over XXXX pieces of documents, including over XXXX very detailed letters of explanations, and signed and dated HR verifications, which it seems like Ocwen does not read at all?? or their staff does not understand English, as I would repeat almost the same exact thing in each letter and then was asked to send it again. 
My Broker and I both kept very detailed logs and noticed they kept on asking for the same documentation and they kept on asking us to change dates on the same documents add signatures at the bottom or re-send the same documents, which they admit they have but they want us to send in a different order?? I am now FULLY convinced that Ocwen is a scam and playing deceptive games and plain lying and just trying waste my time. If you look up the definition of " FRAUD and DEPECTION '' in the ENGLISH dictionary, this exactly what Ocwen is doing. We have asked for a supervisor to assist us on 4 different phone calls and sent the documents directly to XXXX different supervisor via fax and after each follow up phone call we are asked us to sign the same documents. Now after 6 months we have been asked to re-send the entire package to them again, why is this company allowed to lie, deceit and falsely advertise that help homeowners in getting a loan modifications? Is n't this type of action again the law now? I am formerly asking the CFPB to investigate these actions and ask Ocwen to get a supervisor that can actually do something for me, not just ask for the same documents week after week and then ask me to start this process over again.
I submitted an application for a credit card and received a declination letter. The credit score that Chase bank used was different from the one from XXXX credit report.
I had fraud committed on my XXXX credit card account by my ex-wife. Charged over {$2000.00} by my ex-wife unbeknownst to me. I found out about these charges when I was refinancing on my house and the mortgage company went through my credit history. XXXX Company 's excuse was that my ex-wife opened the card when we were still married and decided to use the card after the divorce and I have the deeper pocket so I am responsible for the charges. There is no voice authorization said I accepted my ex-wife into my account let alone no written authorization. XXXX kept saying that because I was once married to her that I am responsible, and if I wanted to cancel her account or even my account so I do not do any more business with the XXXX ; I have to sign admitting that it 's my fault which is not! The company knows I am trying to keep my credit rating up so they are going after me even though it 's my ex-wife who charged all the money! I am the victim of fraud, and I advise everybody to not have this happened to them especially when you go through a divorce. Do not let this happened to you! Especially with XXXX Co. they are the worse customer service to deal with in fraud especially when you are the ACTUAL victim!
I received an online loan in the amount of {$1000.00} on XX/XX/2018. I make bi weekly payments on my paydays in the amount of {$200.00}. I have made 2 so far. I called to pay off my loan on my next payday and the company said my payoff amount is {$1200.00}. I only borrowed {$1000.00} and have made {$400.00} in payments. I have heard nothing from them after sending multiple messages.
Received credit card statement from Citi - which is a Costco Anywhere Card. 
Nowhere in XXXX PAGES of the bill, could I find where it states who I should make my check payable to. XXXX call : She said Citi Cards then I was disconnected ( my fault ). I called back, another said Citi or Citi XXXX. I explained that I wanted something in writing to say EXACTLY who I should make my check out to. She wanted my full SS #, my complete name and address, and my account number and full date of birth. I would n't give her that so she said she could n't pull up my account. Transferred to Supervisor XXXX ( XXXX ) who said I should make my payment to Citi Bank. Again, wanted all my info so I could get something in writing as to where as to whom I should be making my payments to. I would like to know why a major financial institution is not practicing normal business and financial protocol. If I were running a business, I would be so grateful to a customer pointing out such a glaring omission on my invoices. I hope Citi, or whoever I 'm supposed to make my payments to, appreciates my feedback and gets this corrected.
The credit bureau has several incorrect addresses on file. I have informed them to remove the inaccurate information from my credit file. However, the incorrect information remains on my report. I have provide Transunion with the correct address and employer that should be listed on my credit file. The inaccurate information still remains on my file.
This third party debt collector has been calling me in excess of XXXX times a day. I am currently involved in a payment plan with the original XXXX company regarding this bill. I have an XXXX and have tried multiple times to work with the bill collector previously to have this sorted out. When I answer the phone calls, the other line says " hello? Hello? '' over and over. It 's ridiculous! The number they are calling from is XXXX XXXX XXXX.
On XX/XX/XXXX I taken a small loan out with XXXX  via online. I agreed to payback XXXX however I was not able to payback loan and it was sold to 3rd party company. I paid XXXX on XX/XX/XXXX to collection agency who verified my payment. XXXX acknowledged they received payment confirmation however refuses to close my account and still has my account in negative but active status. As of today my account reflects that I owe {$360.00} due date of XX/XX/XXXX and XXXX  days past due. 
This reflects negative on my credit report and also prevents me from obtaining loan from other businesses. I asked XXXX multiple times to close my account and they refuse to do so.