WillisBack/dataset-financial-user-claim huggingface dataset:
The subject of the dispute is inappropriate NSF charges by the bank, and the failure of the bank to respond to communications. After failing to resolve the issue while the account was active, the bank closed the account in write off status. After communicating with others in the Executive Resolution Team I was directed to a manager named XXXX who placed a single call to me on XX/XX/XXXX and left a message. I subsequently returned that call to the Customer Service area extension XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, leaving all relevant information at the time and requesting both contact via email and contact via telephone. To date, I have never received any calls, emails or even written correspondence in regard to this problem. My offer to settle has been ignored, and I can not get anyone with the authority to discuss the matter to talk to me.
On or about XX/XX/2016 I went to the hospital ER and was treated and released. XXXX paid the bill in full. A month or so later I received a bill from XXXX XXXX XXXX XXXX for {$810.00}. I called XXXX and asked about the bill, They said not to worry that it was taken care of. They had an agreement with the hospital & doctors where they agreed on how much could be charged and how much they would pay, and they were trying to balance bill me. XXXX said they would call them. Another month or so I got another bill, so I called XXXX back. Someone dropped the ball and didn't make the call, this time they did call. I got another bill, I called XXXX back on XX/XX/2016 and while I was on the phone they called XXXX XXXX XXXX XXXX, and got this billing stopped. What I didn't know at the time was about two days before this they had sent the bill to a collection agency. Now it goes from one collection agency to another. Each time I have to send them proof where the bill was paid. And each time they put derogatory remarks on my credit report. I thought I had gotten this stopped but after two and a half years, it's still going on. It gets sold from one agency to another.
Bought a car in XX/XX/XXXX, totaled it XXXX ... On XX/XX/XXXX, my insurance company paid the balance and the account was satisfied. 

In XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost 7 years ... Multiple times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect XXXX on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX
I have disputed this account and have no verification of this debt. I am unaware of any outstanding medical bills that I owe this company. I have always had Medicaid as an Insurance provider. If I had any bills Medicaid would 've paid them. It is also against the law to bill someone who 's insured with Medicaid for any out of pocket expenses.
I was contacted this morning regarding my delinquent auto loan. I am past due {$460.00}. I have been asking for a deferment on this payment for months. Every time I contact the company asking for assistance I am told no. So I have continued to make my required monthly payments. Today, I was contacted by a representative and was told the my car was actively out for repo and that I had to make a payment or they were coming to get my car immediately. So I set up a payment that I can not afford. Shortly after this phone call I received an email from the company offering me a deferment on my past due payment. So I called back hoping for some assistance and I spoke a representative by the name of XXXX. I advised him of the email that I received and expressed that I would like to take advantage of that offer. He told me that the email is just a suggestion and that my account did not qualify for a deferment. I told him that the email stated that I did. I then requested to speak with a manager at which point he told me that he would submit my account to a manager queue and a manager would call me back at some point. XXXX representatives were extremely unfair, deceiving and abusive. The representative by the name of XXXX stated, " Go ahead theaten me, I ai n't doin ' nothin ' wrong. '' when I advised that I needed to speak with a manager.
marked as improved account then days later marked as chargeoff account when account has been settled and paid since XXXX 2016 which keeps causing my credit score to drop. There is only an issue with XXXX
Equifax compromised 143 million people 's Social Security numbers and other data and just announced this on XXXX XXXX, 2017.
Carrington Mortgage reported us late paying our mortgage in XX/XX/2015 and it was never late. By showing us as late has us " negative '' standing on all three of our credit reports! Somehow our taxes from 2015 were escrowed and added to our Mortgage and we were not aware of it and called many times asking why our payment was higher and finally got an answer about a month later but our regular payment for XXXX was paid to them on Time!! They held our payment until they received the correct amount that they say was owed due to the taxes being added without our knowledge!! This is not our fault and our taxes were never to be paid and escrowed, and this has n't ever happened in the 11 years we have had Carrington!! If you look at my credit report it will speak for itself! You will see we have never in life been late paying a mortgage and that has been almost 30 years as a homeowner.
On XX/XX/2016 I noticed my debit card was lost. I called Bank Of America immediately checked my balance and it was off. I spoke to the fraud department and filed a claim for XXXX transactions for the amout of {$500.00} each which equals to {$1000.00}. The transactions were made from a XXXX XXXX ATM on XX/XX/2016 @ XXXX XXXX. My claim was denied even after i had filed a police report on XX/XX/2016 with the city of santa fe police department. I reopen the case on XX/XX/2016 at XXXX and was denied again. I tried all i can to speak to them about the claim and they tell me that unfortunately they are not the ones working on the claim but will put notes for the individual working on my claim. I asked multiple times if the person working on my claim can please give me a call back which i never received. I did speak to several supervisors and all would tell me the same thing that since it was not a Bank Of America ATM they have no rights to view footage. They told me i had to get that done on my own so I went to the XXXX XXXX where the ATM was at and spoke to several bankers and managers they did me the favor by contacting their fraud department which they could n't do that for me I had to have a subpoena in order to view the footage from ATM. they told me that was strange that BOA should of taken care of it, they can also view footage with subpoena each bank have their own lawyers. Well, i was running up and down calling places, I have invested a lot of time in this whole mess, i had sleepless nights and just overwhelmed overall. My account was closed by them due to it was on the Negative {$76.00}. I had kept the account open due to they said i had to remain my account open since there was a claim. I was very upset with their service i took the money i had left over. Over time the monthly fees accumulated and so did Overdraft fees which was what caused me to go negative. I feel that all my rights as a BOA consumer have been violated. Claim Number is XXXX My account number is XXXX
I asked the Experian to verify a number of accounts that were on my credit report on XXXX/XXXX/XXXX. I sent another letter to the CEO of Experian on XXXX XXXX, XXXX and mailed another certified letter on XXXX/XXXX/XXXX ( Second Request ) and received a letter dated XXXX/XXXX/XXXX from them stating that they will not reinvestigate my dispute because my request is frivolous. They stated the accounts were verified but provided no documentation or evidence. I have called in several occasions to delete these accounts and were denied. My next step is to start litigation against Experian.
The Toyota   XXXX    XXXX  was totaled in collision back on  XXXX . We have been waiting patiently with  Toyota Financial Service filed out claim with Toyota Gap auto protection. After all this time we received a letter that our claim has been denied because document proving the car has been totaled has n't been received by Toyota GAP. The document proving the car was totaled was sent to Toyota Motor credit Corp by   XXXX  and  XXXX  impound and Toyota put value on the car and decided the car does n't worth impound fee and sold the car to impound.. As indicated on the attach letter. Please send this document and authorization to sell the car to  Toyota Guaranteed Auto Protection to pay our claim, also a copy of it  to me.
I have an unverified account from AFNI, INC.. I had previously disputed this account. I have never done business with AFNI, 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 AFNI, 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 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 AFNI, INC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
This involves actions by Wells Fargo in servicing our XXXX Home Equity Line of Credit. Since changing the account statement in XX/XX/XXXX, we've been unable to understand the actions vs account statement. Why did we keep owing back interest when from day 1 on XXXX XXXX, EVERY payment was in excess of the interest due and 95 % of our statement had a payment due of XXXX and that included back interest. See the bottom of page 1 of the Agreement. So back interest wasn't due. 

Attached are XXXX account and responses from Wells Fargo which you will find are conflicting, misleading and some parts are false and do not even apply to my account. The lack of full disclosure and Transparency is seen in the recent version of the transaction history provided Wells Fargo revealed fees that were hidden in the previous spreadsheets received from other Wells Fargo staff. 

Since Wells Fargo is unable to reply with a consistent answer is clear.
Received a letter in the mail from Allied International Credit Corp. , ( US ) on behalf of XXXX stating I owed {$170.00}, and that it needed to be paid. The letter is dated XX/XX/18, {$170.00} is the said debt owed.
I signed up for a Citi Gold bank account through a promotion ( promo code XXXX ) and completed the requirements in order to receive XXXX XXXX XXXX miles. 

Here is the Summary of the Promotion Requirements for XXXX XXXX : - Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
- Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the CitibankDebit Card must be posted to the new checking account AND XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

Fulfillment : The AAdvantage bonus miles will be credited by Citibank to the customers AAdvantage account within 90 calendar days from the date when the customer completes all offer requirements. 

I opened a Citi Gold checking account on XXXX/XXXX/16. I received confirmation from Citigold Customer Service that I met the promotion requirements on XXXX/XXXX/16 ( documented and saved ). 

Per the promotion requirements, 90 days after my completion date was XXXX/XXXX/16. I have tried contacting Citi multiple times asking when I will receive my XXXX AA miles and they have not provided a firm date or deadline regarding when this will be accomplished. They told me that they are going to open up a case regarding my question but they do not have any definite timeline regarding when I will receive my points. Please help. Thank you!
All these letters were sent out to creditors advising them to please remove on authorized hard inquiries from my credit report. I have not authorized anyone to place a hard inquiry on my credit report nor am I from money with either of these companies. I have n't heard any responses from anyone and it 's been well over XXXX months since I sent those letters out. I would like for these unauthorized inquiries to be removed from my credit report as it is damaging and hurting my score
Merchant contacted many times. See prev complaint XXXX where merchant failed to acknowledge previous contact attempts. Merchant advised does not have a contract of service where service was to be performed. Merchant is attempting to collect a debt for services not contracted/requested. XX/XX/XXXX ; XX/XX/XXXX ; XXXX- No calls or voicemails received from merchant. No letters, service contracts, signed bill of sale or supporting docs received from merchant. I have attempted many times to get this information yet the merchant does not answer the phone. Only contact was in XXXX by phone in which no docs supplied to me either. XXXX disputes contained a request for supporting docs but merch is denying this. The lack of communication by the merchant has prevented me researching this debt as well as having the proper information to support the charge. I feel merchant is using deceptive and abusive tactics due to lack of letters, supporting info, req for docs unfulfilled, false statements, and failing to answer phone after multiple reasonable and prudent attempts. I believe this merchant has committed a UDAAP violation and is attempting to collect a debt for a service that was not contracted/requested by me.
Home Foreclosed upon in XX/XX/XXXX. Settlement received in XX/XX/XXXX for improper foreclosure. Credit report not reflecting improper foreclosure.
Three state tax liens are showing on my credit reports for all 3 CRAs, ALL three CRAs are reporting different information for all 3 State Tax Liens. None of the reported liens are mine. I have disputed these items with Equifax on 3 separate occasions and they continue to report the liens have been verified by  XXXX XXXX. Each time they are verified, but the information reported changes. As i have recently been a victim of credit fraud i have frozen my credit reports with the following companies : XXXX XXXX XX-XX-17 XXXX X-X-17 XXXX XXXX XXXX X-X-17 XXXX X-XX-17 Along with 10 others. 

In addition, I have written to the counties and received written information stating the The State of SC does not report Public Records to ANYONE. Therefore reporting such information as fact, on my personal credit report is illegal as per FCRA. 

And Finally the Liens do not meet the new reporting guidelines ( FCRA ) as they do not contain SSN or birthdate. So I would like it removed from EQUIFAX. 
SEE ATTACHED DOCUMENTATION
I had paid my auto loan on time, and in full according to the terms and conditions of the loan. However, at the time of occurrence, this auto loan was being paid by a business, that I helped start, and managed. After sometime, I decided to part ways with my partner, and decided to leave the business. While I was doing my due diligence to transfer all of my business expenses, from my old business account, into my new business account, my old partner got upset, and decided to contact XXXX XXXX to notify about me not being authorized to pay this account from our business account, so XXXX without investigation and validations returned all of the payment that I made for the car. Soon thereafter I called them to complaint and to resolve this issue, but nothing was done. This forced me to take XXXX to court for not property investigating the payment, and notifying me since I was the the personal guarantee of this account. I have explained this to the CRAs, and I have also provided statements, validation my claim. This account was paid in full and on I am currently being denied my XXXX mortgage license due to this issue. Without this license I wont be able to work, thus feed my family. Please help me.
I had an account with XXXX for internet im on disibility my payee paid all my bills i canceled my service returned equipment and switched back to XXXX XXXX XXXX  continued to charge me for service after i canceled when they was paid for the month i canceled so was actually overpaid this account was purchased by lvnv llc and placed through resurgent collection agency and put on my credit reports i called resurgent and disputed it and they told me that all i could do is pay it or they will continue to report it every month to the credit agencys as new acct and will never be removed i contacted lvnv and never got response i contacted XXXX they located my acct but said they couldnt have it removed because it was sold to lvnv advised me to dispute it and contact resurgent again and request they call XXXX  to validate the account is owed i called they refused said XXXX would have no report of my account even though they do and again told me until i pay they will continue to report me everymonth and this will never be resolved until i pay even though i dont owe the money
Hello, I have disputed an account with Experian to validate the accuracy, In return they sent me a letter stating they have validated the information, I sent a letter to XXXX XXXX via Certified mail requesting validation which no response was ever sent back. I contacted Experian again via mail and they refuse to investigate the account stating they have already validated. I have made multiple attempts to contact XXXX with no response. I have attached the following communication between Experian and XXXX as proof.
JP Morgan chase has arbitrarily and unlawfully decided to raise my fixed-rate mortgage from 1080.42 to 1387.12 - a 30 % increase. Further, they've shorted my tax payments to the county per the escrow dispersal - the tax coupon we received ( and JP Morgan receives as servicer of the escrow ) indicated a biannual installment of XXXX. The escrow disbursement information available from them shows they only paid XXXX. Further, they're claiming an escrow shortage, despite only servicing the loan three months, and claiming that the escrow payment needs to increase by over $ XXXX/month - an absurd increase as neither tax nor insurance has increased to any significant degree. 

I believe these " accidents '' are intentional retaliation for my original protest of them acquiring my mortgage to begin with in complaint XXXX-XXXX. Such retaliation is a violation of the Equal Credit Opportunity act as indicated in this clause : 'Moreover, the statute makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under the Consumer Credit Protection Act '' ' JP Morgan Chase has refused to answer any questions or calls regarding these arbitrary increases, only providing an escrow assessment statement and automatically increasing the amount of automatic debit, without my express, implied, or written authorization. I believe this also constitutes as a fraudulent banking transaction. This behavior is not unusual for JP Morgan Chase - https : XXXX. 

All attempts to actually discuss these charges, the escrow issues, or anything other submitting a payment to JP Morgan have resulted in the call being disconnected with the representative indicating that I needed to be transferred to another department, which promptly disconnects the call. At this point, this is either negligence, or malicious retaliation for exercising my rights to file complaints about their illegitimate behavior.
I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with you has to be between the accuser and you with both of your signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with you and are not qualified to claim you owe them something under the Doctrine of Subrogation. 
I have disputed this with XXXX and the other bureaus and the other XXXX have deleted it. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them. The company is
I was a XXXX XXXX XXXX XXXX, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different chase employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that chase would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in XXXX a charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.
I worked for Wells Fargo for about 2 yrs. In that time, I took out a loan and made my payments. Once I left the company due to the companys unethical behavior, and out laddish sales goals. I counited to make my payments which where automated by the company to come to be taken out of my account. The company then waiting 5 months to inform me that my payments werent being taken out. I set my automated payments once again and was back on track with payments via the company. A few months pass and again I get a call from the company stating I am behind and my payments have not been taken out. At this point more, money and fees had been taken out. I would like this removed and off my credit. Wells Fargo has taken advantage of its customers and I should not be penalize for unethical behavior. 

Thank you, XXXX XXXX