WillisBack/dataset-financial-user-claim huggingface dataset:
I have an unverified account from Convergent Outsourcing , Inc . I had previously disputed this account. I have never done business with Convergent Outsourcing , Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Convergent Outsourcing Inc . Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Convergent Outsourcing Inc . Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Toyota financials had incorrectly reported XXXX late payments on my account. 

when i called they removed XXXX late paymeents, another XXXX payments are still showing as 30 days late and were never late by 30 days. 

i mailed and called XXXX times and still its not reversed
I had reached out to   XXXX   to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at   XXXX   advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with  the Fraud de partment, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usu al 24-48 hr bit,   knowing that i was just being thrown to the wolves. I am also having this issue with Experian and  XXXX  where i can not get any of my free credit reports with some type of error stating that my information could not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.
I have been working to get the following issues taken care of my with loans since XX/XX/XXXX. 

- Get loan payments made in XX/XX/XXXX, XX/XX/XXXXXXXX and XX/XX/XXXX counted towards my PUBLIC SERVICE LOAN FORGIVENESS program participation retroactively. ( Paper work submitted for this. ) - Get a " REVISED PAY AS YOU EARN '' INCOME DRIVEN REPAYMENT ( IDR ) plan applied towards my account and applied to loans scheduled to come out of the grade period in XX/XX/XXXX. 
- Have existing loans taken out of " administrative forbearance '' so that I MAY BEGIN PAYING immediately with these LOAN PAYMENTS CALCULATED UNDER THE REVISED PAY AS YOU EARN IDE. 

XXXX XXXX XXXX claims they " have don't have an idea '' of how long it will take to process my " In school waiver '' form to get the payments for XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX counted.
I filed out a personal loan application for $XXXX.  I completed all of the documents onXX/XX/XXXX.  At XXXX XXXX this morning I was given a call by XXXX XXXX telling me that my application was complete and all I needed to do was sign the promisary note before XXXX XXXX and I would have the money by XXXX XXXX.  I got off the phone and logged in to complete the requested document.  Upon me logging in and clicking continue I was given a denial letter.  I called back and asked them to explain how I went from approved and receiving the money by XXXX XXXX to being denied.  Nothing had changed in my credit report.  I was told well until you hit continue we don't really know if your approved until we run a hard credit report.  Then why is an employee on a recorded line telling me I was approved and would have money by XXXX XXXX.
XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). I also received a letter from XXXX dated XX/XX/XXXX, that shows a " Last Payment Date or Default Date '' of XX/XX/XXXX. That is 3 different dates they've provided. On XX/XX/XXXX at XXXX XXXX XXXX  Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with Experian, XXXX, and XXXX but I have not gotten any results. I even tried to call Experian again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
seems like the superman plot, but I have a checking account with wells fargo and a credit card with Wells Fargo. I used their system to transfer funds from my checking to pay off the credit card. The money is instantly removed from the checking account but the payment takes several days to be reflected on the credit card account. So they are avoiding paying interest for a day on the checking account and get 2-3 days of interest charge the credit card. 
Maybe that's just how it works but it seems if there is a transfer from one account to another it should be reflected that way. Maybe it only adds up to a penny or so but not sure what magnitude this is
Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX/XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX ) on XX/XX/2017 ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX XXXX
I believe that Bank of America ( BoA ) is in violation of, but not limited to, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) is that amended the Fair Credit Reporting Act of 1970 ( FCRA ), as well as, the Truth in Lending Act ( TILA ) of 1968, among other laws and public policy. 
On XX/XX/XXXX, payments I made to the balance of credit card ending XXXX were processed. On XX/XX/XXXX, BoA changed the dates of those payments to XX/XX/XXXX, after I submitted the XX/XX/XXXX complaint to the State of Michigan Attorney General and the purported Consumer Financial Protection Bureau, et al. Today, I an email from BoA, which stated the following : Dear XXXX XXXX : We were unable to withdraw funds from your Pay From account for the payment shown below. As a result, this payment was not made : Pay To Amount Payment Date Pay From Account BK OF AMER MC {$150.00} XX/XX/XXXX XXXX Your payment is still due and your Bill Pay service has been suspended. We won't send this or any other scheduled payments until you call us to reactivate your service. Action Required Contact us immediately at XXXX to reactivate your Bill Pay service. When you call, a customer service associate will review the status of this and any other scheduled payments and determine whether you need to make those payments using an alternative method. They just blocked my access from rectifying my 1 % of the balance minimum payment due {$150.00} I made on XX/XX/XXXX what they claim was a payment paid from a closed account I rarely ever made payments from within the last 12 months - via their website ; according to a Call Center representative purportedly XXXX XXXX of XXXX, NY today at approximately XXXX EST! She said, " you must wait 2 to 5 business days in order to access the account Bill Pay feature, which would be either Tuesday, XX/XX/XXXX or Friday, XX/XX/XXXX ''. This is ridiculous! Why send me an email to call immediately? They are trying to make me forget to rectify the issue they caused and submit the payment ... .... She also claimed to remove a checking account from my BoA account, without my permission. She refused to transfer me to a supervisor. I uttered profanity, because I was upset by the continuous flagrant disrespect held out by BoA. Just because I owe $ XXXX doesnt mean that you have rights to do illegal things with my account : rounding up decimals on bills to steal {$0.00} from and inaccurately presenting bill amount to borrower ( s ), now blocking me out for control of my account even after telephone consultation, I dont think that BoA deserved the right of existence. Imagine the number grandmothers and distracted single mothers they are taking advantage of with these attempts to pilfer nickels and dimes in a multiples to generate millions Serve justice, please. I want them to reverse all fees ever charged or intent to charge me within the last 3 months! 
Serve justice, please
XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ) reported to XXXX company my criminal recorded which was Dismissed on XX/XX/2013 Case # XXXX.
PLEASE READ MY COMPLAINT CAREFULLY!

After this complaint I am going to sue you Equifax.

I have attached on this complaint the tremendously inaccurate accounts which you are displaying. PLEASE note, you have two accounts with the same ACCOUNT NUMBERS appearing on my credit report as a DUPLICATE! What is going on, why can't you guys see what I am talking about? One has a 30 day late on it and the other is perfectly delinquency free! Why are you displaying the one account that is CLEARLY stating that it is closed but still have the other account with the SAME account number, status, open dates on it with ZERO delinquencies? I have told you time and time again that I HAVE NEVER BEEN LATE On my XXXX card # XXXX  ... you are illegally reporting incorrect information. Why did you contact XXXX  to verify if it is open or not an ONLY confirmed that information with me? That is NOT what I am disputing here! There is 1 ACCOUNT on my credit report from XXXX which states STATUS : CLOSED with a false 30 day LATE on it! DELETE THAT IT IS NOT ACCURATE! MY CARD IS OPEN I KNOW THAT! This is not an account that belongs to me and the information is inaccurate, mixed up and false ... what is so hard for you to understand!

2- SECond reason why I am going to sue you is that you have not carried on an investigation into XXXX  # XXXX! this is NOT a negative account and you have it as a negative Collection account! DELETE it because it is harming my credit! Who in the world is handling my case? What is going on here? it has been 5 months of this back and forth madness and NOT ONCE have you placed a DISPUTE mark on this account and sent me a single thing regarding an investigation!
Originally XXXX XXXX reported a balance of XXXX on a credit card that was paid in full and closed, and now it is still being reported by XXXX XXXX and by Transunion, XXXX, and XXXX, as closed but with a balance and that is incorrect it should report closed with a XXXX balance on all XXXX credit reporting agencies. and no one is doing anything to get this issue corrected. IT IS HURTING MY INCOME TO DEBT RATIO AND MY CREDIT SCORE. 
SEE ATTACHMENTS : THEY CONTAIN TRANSUNION RECORD AND XXXX XXXX RECORD.
This is an existing claim number XXXX. I was charged {$1000.00} to get a loan modification from Litton Loan servicing and I had to short sale the property losing.
Received a letter concerning refinancing my VA home loan. The letter stated that it was a pre-approved loan. It gave specific numbers concerning dates, interest amount and cash out amount. It also stated that it was a firm, guaranteed offer. 
Almost from the beginning of starting the process, everything began to change. The interest rate, the closing date, the cash back amount all changed. I discussed this with them and they offered ways to manipulate the numbers to get me more money, including skipping payments and discounting fees. 
It eventually became clear that it was a classic bait and switch but by that point I had paid for a VA appraisal and termite inspection. 
I notified them that I was cancelling and requested they reimburse me for my costs, which they refused. 
They denied the facts of the letter they sent and requested a copy, which I sent them but basically said to bad.
Throughout the last year I have attempted to login to my NAVIENT account and make payments, schedule payments and review accounts. My login information was inaccessible and I was unable to recover login info by my date of birth and social security number. Their system says there is no loan corresponding to my identification. My interest continues to grow and all representatives ive spoken with confirm over the phone that I have accounts but I am unable to access it.
I have previously contacted US Bank in reference to monthly account maintenance fees. I learned that the minimum account balance to avoid the fee is {$1500.00}. Despite having this minimum balance, on XXXX/XXXX/2015 I was charged this fee. This is in addition to XXXX previous months where I was charged, and US Bank had to waive, this fee. In this circumstance US Bank has declined even after multiple attempts to credit this fee despite it being charged due to bank error. This is a predatory fee that is being charged in error and must be credited. 

The reason this account was left open with the balance was that US Bank sent me a promotional email titled " {$5.00} For XXXX ''. This is essentially where if I used my bank account for XXXX bill pay payments in the month of XXXX I would receive a {$5.00} account credit. I reviewed the fine print in the email and proceeded to schedule bill pays through US Bank 's website. I met all requirements that were laid out in the initial marketing email. I contacted US Bank on XXXX/XXXX/2015 to inquire why I have not received this {$5.00} promotional credit yet. In the reply, US Bank stated that there were additional requirements that I had not met. I went back to review the marketing literature again ( promotional email ) where no additional requirements were disclosed. This constitutes an unfair, abusive and predatory practice to enforce terms and conditions that were never provided to begin with. As all initial requirements were met the {$5.00} must be credited to my checking account.
The original creditor is from XXXX XXXX XXXX opened XX/XX/2017. They are attempting to collect {$110.00}. I have no knowledge of this account because I did not use this cable company during that time ( I had a XXXX XXXX ) I didnt even know about the debt until I looked at my credit report. I received no calls nor letters. I asked if I paid it ( even though its not mine ) would they delete it off my report and they declined. I do not appreciate this company tarnishing my credit and would like this to be removed as soon as possible. Thanks in advance
I contacted Transunion on XXXX at XXXX am get and spoke with XXXX XXXX in the XXXX Special Handling department. I advised XXXX that due to a glitch in Transunion 's system in XXXX of XXXX and XXXX XXXX I had inquires to be removed and added back without a 5 day written notice as federal law requires. XXXX refused to remove the hard inquires from my credit file permanently and stated that they do not have to provide written notice when adding them back. This is causing an undue hardship as it caused my credit score to drop drastically do to their glitch. I feel that I am continuing to victimized by Transunion due to their negligence. Please help me get this resolved and those inquires removed.
On XX/XX/XXXX we opened a Lease with XXXX DBA XXXX KIA XXXX , XXXX XXXX. The first person on the Lease was my wife XXXX who was n't driver ( she had a driver ID only ) of the car ; 2014 KIA Soul Plus XXXX. The driver of the vehicle was me ( her husband ) ; XXXX. I was paying the lease and insurance working in XXXX. 
After I did update my XXXX insurance policy to XXXX without changing registration from XXXX ( the insurance did n't tell me anything about it! ) we where told by KIA Finance that we have no choice, but return car to them ; effectively ending the lease! My pleading with them to continue the lease by me where not honored. On XX/XX/XXXX I was forced to return the car to KIA despite my good records of payments. By the way the original car dealer in XXXX, by the name XX/XX/XXXX dissapeared. Soon after we received from KIA Finance letter with a balance of {$3700.00} for account number XXXX for Kia Soul 4dr Wgn + At, VIN : XXXX. On my phone inquiry how they came out with the amount I was told that this was the difference between the sale price and the real value of the car. On my further questions how they did calculate that became clear to me that, this was the real reason why they refused the lease to continue since they could have control over the transaction to the point of guarantee to have it in black. Question is ; who was the lucky buyer in this transaction and did KIA have any incentives to take the real value for the car. 
The whole thing looks like rigged transaction at my expense from the beginning.
Began buying our home in XX/XX/XXXX using Automatic Monthly Mortgage payments via our XXXX XXXX Acct. Home Plaza Mortgage Company began pulling EXCESS payments from our account! They failed to notify us that they were doing so! On XXXX XXXX, XXXX, I discovered these discrepancies, called Home Plaza and was told these were not excessive charges. Calling back on XXXX XXXX XXXX, the staff person acknowledged there appeared to be excessive charges from Plaza, I was told that I would not have to pay our mortgage for several months. I informed them that we want the excessive charges returned to us instead and was told that would be more difficult. I asked for a Supervisor, reaching XXXX XXXX. who advised us to fax a letter stating the above issue and we will receive a reimbursement check within 5-7 days after our fax is recieved. 

My husband XXXX and I do lack trust in this mortgage company now and would greatly appreciate your office looking over our account with Plaza Home Mortgage. 

Additionally we have concerns that the Hazard Insurance that Plaza pulls from our account may also be redundant as well. We believed that our insurance was rolled into our mortgage payments already. 

Thank you in advance for you assistance and protection!! 

Warm regards, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR. XXXX XXXX
I use, because I am offered no option, a debit card managed by PNC Bank for the unemployment compensation I currently receive from the state of Indiana. I have no desire to ever use a debit card. I believe they are intended to facilitate the fleecing of users in as many ways as possible as evidenced by the initial practice of banks to allow users to exceed the available balance only to be charged exorbitant overdraft fees for having exceeded the available balance. There is, apparently, a charge of XXXX cents automatically deducted from my balance should I dare to call the XXXX number listed on the card, even when just to use the automated system to verify I have kept proper track of the balance. When I discovered XXXX cents had been deducted from my balance, I called the number on the card and spoke with an operator. For this I was charged another XXXX cents. I was told, effectively, 'too bad ' when I argued the charge was NOT disclosed on the card where the phone number appears and nor had I been made aware of it at any time in the past. I said this constituted fraud and I asked to speak with a supervisor and was told " no. '' When I did not give up and asked repeatedly to speak with someone in a position of authority, she hung up on me.
On XX/XX/XXXX I sent a letter to Equifax, XXXX, and XXXX  for this inaccurate account that I found shockingly showing on my credit report. XXXX could not verify the account with the third party collector to be valid so they removed the item. Equifax and XXXX  responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but Equifax, and XXXX claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.
problems on my credit report with equifax is that i have open accounts with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX All my accounts and in good standing but not being reported to equifax or they have not updated the information. Before i put fraud alert on my report my open account with XXXX XXXX  reported but since after it now does not report to them. i have no problems with XXXX or XXXX reporting information the only problem is with equifax. This information should be reported because they are all in good standing!