WillisBack/dataset-financial-user-claim huggingface dataset:
Call  amsher  and told them that I would like to have verified this account bearing my signature as I was on the phone the people there were  rude  will hang up once I called called to get account number they will not give there supervisor  XXXX  I believe the name was very rude as I ask her to send me something bearing my signature as well and she refused and hung up the phone. To Whom It May Concern : This letter is regarding account #  XXXX  which you claim my account was charged off $ This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   an d   XXXX    ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section  807-8 )  You will be required to appear in a court venue local to me, in order to formally defend yourself.   For the purposes o f 15 USC 1692 et se q., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.   C onsent to publish the description of what happened? Consent provided This is about a ( n ) Debt c ollection :  Other ( i.e.  phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount  DESIRED RESOLUTION
Lost job and are not able to make a payment. Payment is only 3 weeks late and have received up to XXXX phone calls per day asking to make a payment and telling me they are turning me over to collections.
XXXX XXXX SOLD MY DEBT TO UNITED DEBT HOLDINGS, TO WHOM SOLD TO XXXX AND FINALLY XXXX XXXX XXXX, TO WHOM SETTLE FOR . AND THEY KEEPING CALLINGS AND SHOW UP ON XXXX AGAIN. STOP CALLING MY MOTHER XXXX XXXX XXXX AT CELL.THEY KEEP VIOLATING " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''.
My name is XXXX XXXX XXXX was a victim of your inquiry issue. customer service would not help and take care of the negative inquiries reporting to my credit report thats not mine. All inquiries shall be removed or else I will proceed in higher action. Thank you
Dear Experian : I want that you take a look at this account and figure out why there're in my credit file with multiple inaccurate, errors and mising information. 
It would be great if you send me the new report detailing the deletion. 
XXXX XXXX Account number : XXXX Opened Date : XXXX   XXXX. 
Opened Date : Experian XXXX. 
Inaccurate Open Date must be deleted inmidiatly. 

Account status : XXXX reports : OPEN Experian reports : CLOSED Inaccurate account status must be deleted inmediatly. 

Payment history : XXXX reports : no payments Experian reports : charge-off Missing payments history account must be deleted inmediatly. 

Also this account obviously has been open in a period of time where I been living in a shelter since XXXX until XXXX. 
Please see attached Residency letter from shelter. 
Theres a picture of the deletion of this account from XXXX as proof of they are using the right method of verification
Company name is Wells Fargo. The number they are calling from is XXXX. Another number they have used is XXXX. The caller was named XXXX and he identified himself as calling from Wells Fargo Credit Card Services. His extension is XXXX. Trying to reach XXXX and or XXXX XXXX ( I think ) to discuss " your options '' as it relates to their debt owed.
on XXXX XXXX a charge to my account without my authorization was made by XXXX XXXX, when contacting my bank they refused to allow me to dispute the debt. I bank with Chase located at : XXXX XXXX XXXX XXXX CA ph XXXX XXXX XXXX. The Chase account was not used as security for XXXX and they claim they know that I have signed an agreement with XXXX that allows them to charge any card on file with or without my authorization. They refused to open up a claim unless I closed my account which would result in several bank charges for pending bill payments. XXXX has a pending claim with you now and there was no way to add Chase to the complaint. Chase was notified once the charges went from pending to paid and the representative refused to allow me the right to dispute the charges because he felt they were owed.
On or about XX/XX/2018 I received a call from Citibank d/b/a SearsCard that there were a suspicious attempt to charge my card at a Dollar Store in South Carolina. I told Citibank that it was fraud because I was never in South Carolina and had my credit card here in Ohio. Citibank told me that it would cancel my card and issue me a new card. Citibank did not tell me that there were earlier fraudulent charges also made in Souh Carolina. Because Citibank closed my account, I could not access my online statement or account information. Citibank told me that my balance was {$130.00} c and that I should pay it to avoid late fees. I paid it quickly on XX/XX/XXXX. Subsequently, when inquiring how that balance was calculated, I learned that there were three identical charges made in South Carolina for XXXX XXXX  totalling {$80.00}. Citibank knew that these we were fraudulent charges, too, but kept that information from me. I repeatedly called Citibank to dispute those charges, but each time a heavily accented female based in the XXXX demanded to know my checking account information, I do not have a checking account with Citibank, and told them so. Citibank a dozen times refused to accept my dispute. It appears that the XXXX were illegally trying to get my personal banking information totally unrelated to my credit card. And, twice Citibank told me that the new card was sent to the fraudster XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX SC XXXX because someone changed my account data to her name and address. Utter stupidity by Citibank! To date, I have neither received a new card, nor refunded the {$80.00}.
on XX/XX/XXXX-17 i paid a company called XXXX XXXX the sum of XXXX on my synchrony card.I told the bank this company sold me a bill of goods under false pretenses.I paid a company who I thought was XXXX XXXX but turned out to be a company called XXXX XXXX.I told the bank I had never done business with a company called XXXX XXXX.It turned out XXXX XXXX who is in kahoots with XXXX XXXX sent us a brochure XXXX XXXX to cover their scam.I talked to XXXX XXXX who is suppose to be a lawyer with no bar license in all 50 states.I was to receive a full refund no problem.I have e-mail proof of this.Then when i found out my card was charged by XXXX XXXX I contacted the company and XXXX XXXX told me i would receive a full refund.I have the e- mails as proof.How can the bank deny my dispute when i have proof i am owed the refund.I was never rendered any service from either one of these companies.I have all this in black and white.My bank needs to take a serious look at these companies .With the evidence I have there is no way I should not have won this dispute.I feel this was not taken seriously by my bank.
SLS has not provide me with statements or online access to my account information thus no printable info. I have faxed request # XXXX on XXXX XXXX XXXX for current information on all, that includes tax, insurance and the disbursement of my payments ( some of which I paid over the amount ) the principal, and the disbursement of the funds from the hardest hit recast loan. Fax # XXXX this morning. I called last month to ask what my payment was taxes and insurance had been included but, I had received a tax bill a couple of weeks ago which I never had before. I called and I have to go through multiple departments to get answers. I filed bankruptcy XXXX/XXXX/XXXX at that time they were not to contact me thus I could n't access my account. My bankruptcy was XXXX XXXX/XXXX/XXXX. So why ca n't I get a statement, online access of printable info. How was my money disbursed has yet to be answered. I received documents that were unacceptable and incomplete not providing the information I requested. I also received a letter from SLS last week stating it would take a month to get this request processed. 
Today I received an email from the insurance company they will be taking payments out of my account. I get 1 week notice on the change? I ca n't access my account online thus I can not print anything directly from them I have to do a screen copy, why? My computer is not the issue. 
I have made inquiries by phone and my XXXX request by fax this am. I am disable and I need to know where my limited income has to go, not last minute. I will be calling them along with the fax to find out my payment due for XXXX. I 'm KEEPING my HOME all I want is fair, complete, and accurate information regarding my mortgage. I was fortunate to get the assistance from the fund only to be blindsided by the mortgage holder. I have had too many of them but this is the worst to date. 
Please help me resolve this matter t keeps me up at night. 


Sincerely
I have a dispute with Direct Express Dispute Department concerning a transaction on my direct express debt XXXX. This dispute was opened on XXXX XXXX, 2015, I submitted documents on XXXX XXXX, 2015 and the dispute was closed on XXXX XXXX, 2015, base upon conflicting information. They stated I wrote XXXX XXXX, 2015 verse XXXX XXXX, 2015 as the last time I used the card. I resubmitted a letter concerning the error with the date and stated at the time I open the dispute I stated XXXX XXXX, 2015 as the last time I used the card. On XXXX XXXX, 2015 the dispute was put into Fair Hearing Status. I was told it could take 30 days and I was also told there is no time frame concerning the Fair Hearing Decision. I believe without no timeframe it could take years before I receive my money back. I provide d the police incident number and the XXXX who are working on the case, her name is Officer XXXX XXXX she can be reach at XXXX or XXXX. The direct express dispute number is XXXX open on XXXX XXXX, 2015. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX. XXXX XXXX, XXXX, LA. XXXX
This complaint is against Nationstar Mortgage LLC DBA Champion Mortgage. On XXXX XXXX, XXXX, my husband and I paid off our Champion Reverse Mortgage loan by refinancing the loan with a forward mortgage from a XXXX XXXX. We ( my husband and I ) took out the reverse mortgage in XXXX because we were not able to get a forward mortgage from any bank. We received a lump sum payment from the original lender ( XXXX Mortgage ) and made payments every month to XXXX Mortgage and then subsequently to Champion Mortgage to keep our total loan balance from growing exponentially. Even though payments are not required on a reverse mortgage, we opted to make payments. Our payments consisted of interest, and mortgage insurance premiums, with a letter attached explaining how we wanted our payments applied. In XXXX we had to file a complaint with the CFPB regarding our XXXX form for XXXX, we filed a complaint again in XXXX regarding our XXXX form for XXXX, and now again in XXXX we are filing a complaint regarding our XXXX form for XXXX. I sent a letter to Champion Mortgage on XXXX XXXX, XXXX ( 4 months after payoff ) asking for answers to several questions ( copy enclosed ). I received an incomplete response around XXXX XXXX, XXXX. On XXXX XXXX, XXXX I received the XXXX form for XXXX, and it is wrong again! On XXXX XXXX, XXXX I emailed the Customer Relations person at Nationstar Mortgage ( copy of letter emailed enclosed ) requesting a new corrected XXXX form. 
Since Champion Mortgage has all the documentation they need to produce a proper and correct XXXX form for me, there is no excuse for their delays and untimely responses. Maybe when they receive this complaint from the CFPB they will respond appropriately.
I contacted my bank, USAA Federal Savings Bank, on or about XXXX XXXX, 2015, and asked how to obtain copies of checks that were deposited in my checking account over two years because they were not online. I asked the USAA representative if there would be a fee associated with the research. The USAA representative initially said it would cost {$5.00}, but said he would check with his supervisor. When he came back on phone, he said that there was no cost associated with getting the deposits. I told him that I wanted to go ahead and order the the information and hung up the phone. When I went online to check my checking account yesterday, I noticed that USAA deducted about {$160.00} from my checking account. When I called USAA to complain that the USAA representative told me that there was no fee and I had not authorized the fee, they refused to give me the {$160.00} back. They said that I agreed to pay for photocopies in the fine print of my checking agreement. I told them that the USAA representative told me that there was no fee, and I did not authorize them to charge me {$160.00}. Furthermore, I have not received any photocopies. I should not have to pay this {$160.00} fee since I was told that there was no fee to get online copies of my deposits ; I did not authorize the fee ; and I never actually received any photocopies of my deposits.
My problem is with Citibank. NA of XXXX XXXX, ND and their Citi Payment Safeguard Program. For many years my wife and I had credit cards with that bank and paid XXXX cents per month per XXXX XXXX dollars of charges to cover us in case of XXXX, death etc..My wife died XXXX XXXX, 2015 ( XXXX ) and I sent the bank a death certificate and expected to have the account paid off by that 'Protection ' plan that we had paid on for many years. Several weeks later I received a letter saying that the " XXXX XXXX Winner '' in the family is the only XXXX covered by the protection plan ... If that is the case then why did my wife have to pay for that protection when she XXXX??? If the protection plan covered only me then only my charges on that card should have been charged an protection insurance premium ... .That would seem the proper way to handle it ... Please advise. Thank you ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maine XXXX XXXXXXXXXXXX
On, or around of XX/XX/XXXX. After several letters, of disputing! XXXX still reporting US BKPT CT. Fr  XX/XX/XXXX- to present? XXXX XXXX,XX/XX/XXXX. say I owe {$490.00}. Still waiting on validation? XXXX XXXX XXXX. XX/XX/XXXX - XX/XX/XXXX. claim I owe {$430.00}. No validation? XXXX, reported to XXXX XXXX, XX/XX/XXXX - XX/XX/XXXX. claim I owe {$1600.00}. No validation! XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX. No validation! TransUnion, reported to XXXX XXXX XXXX, XX/XX/XXXX/-XX/XX/XXXX. claim I owe {$4.00}. XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX.claim I owe {$1600.00}. XXXX XXXX, XXXX {$1200.00}. XXXX   XXXX XXXX, Clsd. {$1200.00}. XXXX XXXX XXXX XXXX ChrgOff.
Regions Bank has reported we paid are Home Equity line late XXXX times in the last XXXX months. They said they only show that they reported XXXX times that we were late and they agreed to remove XXXX of them. It has not been removed, we have had nothing but problems with them and have moved are personal banking from them some time ago. 

We paid off the line due to the fact we had a house fire at the home and are looking to rebuild. Of course Regions is causing another problem. I would just like the problem brought to a close in a timely manner and i know without the help from the CFPB it will not be brought to a close.
In XX/XX/XXXX, then President Bush signed into law a provision for the cancellation of federal student loans for XXXX XXXX XXXX   who made payments on time for ten years. I did everything I was supposed to do for that ten-year period and have continued to do so in order to take part in this loan cancellation program I am entitled to. In XX/XX/XXXX, I contacted Navient to have my student loans canceled. I was told I didn't have the correct loan so they would need to re-finance under a different loan and I would have to make payments for another ten years in order to take part in this. Since that time, they have taken as much as {$480.00} in one months ' interest. Their interest payments vary from month-to-month but are usually somewhere between {$150.00} and {$200.00} every month. The reason they want me to continue making payments is obvious. They are getting rich off of exorbitant interest payments. It's obviously in their financial interest not to honor the loan cancellation program. I know that several lawsuits have been filed over this already and rightfully so. Hopefully, you will be able to make this right.
HillCrest Davidson and associates collecting a debt I had no knowledge of owing as I was on autopay and I was told by the company XXXX rep and installer that it was all transferable to a new owner as I was selling my home and wanted to be sure it was transferrable I was told yes. I also purchased the equipment, so it was about the service and not equipment. So sing his paper to get I thought installed equipment. I set up auto pay through my bank a few months later I sold my home, and the new owner took over and transferred it to his name and the service as the equipment was paid in full. Now I 'm getting the story that I sign a contract and must pay for 5yrs of service, and the reason it was in collections was for failure to pay. Since I was on auto pay that was impossible, they stopped processing the payment as I never stopped auto pay and I was told it was all taken care of and I had to do nothing about transferring it to the new owner that it now is in new owner name. I talked at length with the XXXX and was being assisted by XXXX XXXX XXXX to work this out the number was XXXX I talked to XXXX at extension XXXX and her email was XXXXXXXXXXXX I received a message a 2 days ago but lost the number to call back that there was nothing to be done since I signed a contract for service. Not only are they getting 5yrs of service they are not providing me. Where I live has alarm service through the apartment, but Protect Your Home are also getting paid by the new owner of my old home. This home I sold was in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have also asked since I was paying for the service I might as well get use of it but they refuse because it is in the collection and I would have to get new service. I have alarm service provided by my apartment, and they are also going over to XXXX, so I had no use for the service. When asked how it got in collections I was told it was the failure to pay, that is not the case, they Protect Your Home stopped billing my checking account because it was in fact transferred to the new owner and he has been paying it. This Collection Company Hillcrest Davison and Associates has been calling me non-stop even while trying to get answers from XXXX They have yelled at me in ruff drill sergeant voice talking over me and calling more that once a day. I feel XXXX has been deceptive and I was never informed of this from XXXX or Protect your home prior to collections and I never stop paying but they must have stop billing monthly my checking account. Which I assumed was because the new owner did, in fact, take over the account as I was told would happen. I even called to confirm that the transfer had happened and was told by XXXX all was transferred and the new owner had it in his name.
Wells Fargo bank, without my permission punched my safety deposit box and removed my property. The bank management has ignored my request to return my property and have not offered any explanation why they took it in the first place.
I am disputing the accounts w ith AMERICAN EXPRESS   XXXX  AND  XXXX  I have reported the account with fraudulent activities I requested your company to review the account balance at  XXXX  &  XXXX  I never used that amount of my credit LIMIT someone got my credit card information and used my credit limit to the point where I had to close the account I should not be responsible for the charges from the months of  XXXX  2007  and  XXXX /2007. I have provide your company with the FTC AND POLICE REPORT ABOUT THE ACCOUNTS LISTED
The following is related to U.S. Bank. On XXXX/XXXX/2015 I used my checking account-linked debit card to make several purchases. I made these purchases knowing that my checking account was low on funds. I monitored my account throughout the day, frequently checking the balance. I was diligent about not overdrawing the account. At the end of the day, a {$25.00} automatic monthly transfer was made to my savings account even though these funds did not exist. US Bank manipulated the payment processing order so that the {$25.00} automatic transfer was the FIRST payment processed on XXXX, thus a guaranteed overdraft charge. Several days later I was notified of a {$36.00} overdraft fee via mail. Additionally, I was charged a {$25.00} extended overdraft fee, meaning the account was overdrawn for a five day period. I contacted my home branch to explain why the charges were unfair and the branch manager said she could only remove the {$25.00} extended fee. I told her that I would be banking with a different institution so she changed her mind and said she would remove the original {$36.00} fee in an effort to " help me out '' but not the {$25.00} extended fee that was a result of the original fee. 
All of these events occurred despite the fact that I am " opted out '' of overdrafts. This option, however, does n't apply if the charge is a recurring monthly charge for gym memberships, XXXX, etc. The charge that put me into overdraft was conveniently my $ 8 monthly XXXX subscription that went through on the same day. I called XXXX to see what time the charge went through on XXXX. It went through at XXXX XXXX. US Bank manipulated the payment processing order so that the automatic recurring XXXX payment was the payment that went through when there were not enough funds to cover it. 
U.S. Bank 's manipulative payment processing resulted in my account being overdrawn by around {$4.00}, leading to {$61.00} in fees.