WillisBack/dataset-financial-user-claim huggingface dataset:
COMPAINT AGAINST CAPITAL ACCOUNTS COLLECTION AGENCY, XXXX. XXXX  XXXX, XXXX, TN XXXX, XXXX Regarding XX/XX/XXXX dental services provided by XXXX XXXX XXXX, XXXX On XX/XX/XXXX, I received a letter from Capital Accounts regarding the debt to XXXX XXXX XXXX, XXXX. In response to the letter, I called Capital Accounts and disputed the debt. I requested verification of the debt ( i.e., invoices/statements showing service date, procedure code, and the amount of service ) from Capital Accounts. I wanted to review the information Capital Accounts was given because XXXX XXXX XXXX dental insurance paid for each service I received and I paid required co-pay for each service. 

On XX/XX/XXXX, I disputed this account directly with credit bureaus. The result of the dispute is that Capital Accounts verified the information therefore the negative information would remain on my credit reports. A year have gone by and to date I have not received verification of this debt from Capital Accounts. 

On XX/XX/XXXX, I called Capital Accounts again regarding this account to address the reason the amount keeps increasing on my credit reports. I also asked why no one from Capital Accounts had sent me, as I had previously requested, verification of this debt. I advised Capital Accounts customer service representative again that I can not acknowledge or accept the debt, as I had not received verification of the debt. 

As follow up to my telephone call to Capital Accounts on XX/XX/XXXX, I received the attached email from Capital Accounts regarding the past due amount with their client XXXX XXXX XXXX XXXX. The email included a ledger with a debt of {$760.00} and {$150.00} in additional interest charges for a total of {$960.00}. How is it that this debt can be increased by {$3.00} per month for interest? As a collection agency they should not be charging {$3.00} monthly interest. Is charging interest on collection accounts illegal? 

This information continues to be reported negatively on my credit bureau reports with the balance constantly going up. Every month when they add Capital Accounts adds the interest charge my credit score decreases. This year old past due collection account has had a very negative affect on my credit rating. Adverse actions have been taken against me because of this account on my credit reports. 


Cc : Capital Accounts XXXX Credit Bureau XXXX Credit Bureau XXXX Credit Bureau
I have been requesting Calvary Portfolio to send me a signed document or assignment that I owe their company this debt. To date, I have not received anything from Calvary Portfolio besides a copy of a bank statement. I have been requesting XXXX, XXXX and XXXX to verify the debt and the bureaus have been unable to. The only information I receive back is that the furnisher is providing that the information is accurate. I have attached correspondence dating back from XXXX XXXX, 2016 of disputes regarding this inaccurate information. I am unaware of any assignment of ownership that Calvary Portfolio has regarding this alleged debt. The furnisher has refused to send me the requested documentation.
XXXX DC offers tax refunds on Citi Bank Prepaid card. The tax refund was for XXXX. Citi only permitted me to withdraw XXXX. Merchants have refused the XXXX and Citi refuses to close the account. Next month Citi will start charging me maintenance fees. Its is obvious that Citi only permits whole dollar transactions so that cards are left with unusable balances and then they are happy to charge maintenance fees. You should audit all of Citi tax refund accounts to see how many cases Citi has benefited from this behavior.
On my most recent statement ( XX/XX/2018 ), I was charged a " minimum interest charge '' of {$1.00} even though my balance subject to interest rate was {$0.00}. I tried to contact Bank of America to dispute this but was unable to find contact information except for a phone number which had a long wait.
I had insurance claim money for home repairs held hostage by mortgage company XXXX XXXX. XXXX turned over all funds to Green Tree. I attempted to recover funds from Green Tree in order to complete insurance repairs and pay contractor. Green Tree acknowledged possession of funds and also exhibited a willingness to help. I was given instructions from Green Tree Rep on how to obtain funds.The instructions were to have my contractor call Green Tree and arrange for a disbursement. Rep said he needed a tax number from contractor to proceed. Contractor said he could not communicate with Green Tree because they were reluctant to negotiate with anyone other than owner of property. This was disconcerting because I realized that I was now going in circles. My next communication with Green Tree was a failure because reps did not understand situation. They were abusive and forthe most part unwilling to help me arrange this transaction. Rep hung up on me each time I called. From this point I could not get a positive communication with Green Tree 's customer service center. Communication was negative. I was hung up on, lied to, disrespected and disregarded.My wife experienced similar setbacks. Now my mortgage company is Dytech. This lack of availability has caused my contractor to cancel and break contract and negotiations. I am now suffering abuse at the hands of the contractor.
Hi, I submitted an online application to open Citibank account ( Citi priority package which includes checking and savings account ) at the following url : https : //banking.citibank.com/XXXX XXXX Before applying, I called and asked Citi at their XXXX XXXX number that if I was eligible as a XXXX  resident to apply . I was told I was eligible. I provided complete information like SSN,  DOB , Dr Lic #, Employment details, Account and routing number to withdraw funds from to fund these new accounts, when I made the online application. 

On XX/XX/XXXX I received a letter from Citi stating the account could not be opened due to inability to verify information. When I called and asked, they refused to provide any information on what could not be verified or what was missing from the application. They were rude, unhelpful and the supervisor even told me to go to a branch in XXXX XXXX ( I live in XXXX ).  The supervisor name is XXXX, Team # XXXX at XXXX  call center. 

I am truly concerned that I have provided all this personal information and now it may just be used for nefarious purposes. Also, I am mystified why Citi is so unhelpful and rude and unwilling to tell me what information they are missing.
On Tuesday XXXX XXXX 2017, I called American Express to see if they were able to help me with an installment I set up 2 weeks ago. I made a large purchase over {$6000.00}. On the XXXX app it gave me an option on enrolling into a plan it ( payment agreement plan for that huge purchase ). The max amount of installments it let me enter was 3 which was ridiculous. I 'm not able to pay that amount monthly for my credit card. So I 've been calling since XXXX XXXX to see what could be done, if I 'm able to get more installments or to opt out of the program. By enrolling into this plan, I was not aware that the mandatory minimum payment was going to be from {$150.00} all the way to {$2100.00}. Thats insane, I 'm not able to do that. I called them and they transfered me to 6 different people that did n't take the time to help me at all, I ended up talking to the same person ( XXXX ) who transfered me to another department just because he didnt know what to do!! I was on the phone almost an hour being transfered back and fourth. I stood calm the whole time, at last I was transferred back to XXXX who I asked politely if I was able to speak to a manager, he then placed me on hold and transferred me to a department that was closed!!! The automatic machine gave me an option to go back and press # 1 to speak to someone in customer service and when someone picked up, they hung up on me because they heard my voice and knew it was me again! No one should ever experience such bad customer service. No one knew what I was talking about and how to help! This is frustrating and crazy. Something needs to be done! It 's really not fair to me.
I received a call regarding an old disputed medical debt. We have fought the original creditor because I was on XXXX and no bill should of existed. The collection agency was told of this dispute yet still applied the disputed, inaccurate item on my credit bureaus. When I requested they validate the debt they responded with a letter claiming we can validate but due to HIPPA Regulation we ca n't supply that information. So they reported information on my credit history but refused to validate the debt. They have violated FDCPA and FCRA and even though I have disputed this debt that they refuse to validate, they continue to report the inaccurate information damaging my good credit.
During our Chapter XXXX Bankruptcy, XXXX XXXX XXXX offered us a Trial Modification, we accepted. After the first modification payment our loan was sold to M & T Bank/XXXX XXXX XXXX. It came to our attention that there is an error on the Loan Modification Agreement. We contacted M & T Bank regarding the additional {$21000.00} that was added to the modication and we received a letter stating how they came up with the figure. ( See Attached ) During our Chapter XXXX bankruptcy, we were paying XXXX XXXX XXXX Arrearage, the amount paid to them was {$10000.00}. On a previous letter sent to me regarding my request for explanation of mortgage account it states the balance of the loan as of XXXX XXXX, XXXX was XXXX and the total amount due in your loan as of XXXX XXXX, XXXX is {$290000.00}. M & T was not the servicer on our loan in XXXX. We are concerned why the additional {$21000.00} was added to the loan modification.I have also included a document from XXXX stating that my balance on the loan as of XXXX/XXXX/XXXX was {$270000.00}.
Equifax had a big security breach and I was identified as potentially impacted. When I tried to enroll in the Free Credit Monitoring service offered by Equifax, their system showed birthday was wrong and the call center for trusted ID said they ca n't fix it. So I called Equifax and they gave a so-called customer service number that I can NOT get through for over an hour. Is this a big SCAM on top of a bad security breach? Equifax needs to be held responsible for all the inconvenience and damages.
I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from XXXX XXXXThe company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of XXXX following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with XXXX, as the creditor has once again revised dates, substantially changing the reporting. 
XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.
On XX/XX/XXXX we called HSBC Bank to close out account. They told us that they would mail us a check for {$730.00}, On XX/XX/XXXX we called to see why we had not received our check. We were told that it takes 5-7 business days and the check was written on XX/XX/XXXX but might not have gone out until XX/XX/XXXX. Called XX/XX/XXXX. Check takes 7-10 business days and should arrive soon. It has been 10 days today. Wait it will come. Called XX/XX/XXXX. Check has not arrived. XXXX will check on it and call back tomorrow. Did not call back. XX/XX/XXXX we called. They will stop payment on the check but we need to sign an indemnity letter first. This must be mailed to us not faxed or emailed to verify we can receive mail at our address. On XX/XX/XXXX the indemnity letter was received by us. We completed it and had it notarized. Sent through US post office with signature requested. Letter received by them XX/XX/XXXX. Stop payment requested, but must first be cleared through bank. We need to wait until XX/XX/XXXX and a new check will be issued. We called XX/XX/XXXX. Check was mailed XX/XX/XXXX. Please allow 5-10 business days.
Hi. I sent you a letter dated XXXX XXXX, 2015 with regard to Wells, Fargo Home Mortgage and all the documentation that is totally conflicting. I sent them documentation to do a loan modification on XXXX XXXX via XXXX. I received a letter from their attorneys, XXXX, XXXX XXXX XXXX dated XXXX XXXX, 2015 that a sheriff sale has been postponed until XXXX/XXXX/2015 ( I was advised by Wells, Fargo that all foreclosure proceedings were stopped so there should not be a sheriff sale at all ). 
In addition, I just received a letter today from XXXX XXXX ( XXXX x XXXX ) that a review of my loan has been pending for a long period of time and she has not received all the required documentation from me so they are unable to offer assistance! I sent them all the documentation just a couple of weeks ago. 
There is no mention of what they still need either! What is going on? 
Something has to be done about this. This is consumer fraud. 
Please help me. I have been thrown around this bank for weeks with no answers and am still under a sheriff sale that hurts my credibility in the business world. 
They should have taken us completely out of the sheriff sale as they told me they would do. Thank you very much.
My identity was stolen in 2012 and used for a payday loan from XXXX XXXX XXXX. I do not have a job or get paychecks, nor did I even have a bank account said money went into. This was finally removed from my credit last year and was just opened again from the same XXXX and same dollar amt. of {$1000.00}. I just started receiving collection calls which is how I found out ; from : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
I disputed a judgement on my Transunion credit report for a judgement for XXXX XXXX. I provided them with a copy of the judgement that shows the judgement was rendered on another person 's name, not mine. Despite the fact that i provided proof that my name was not on the account, Transunion still replied and stated that the account was mine.
I have filed 2 complaints with CFPB against Hunter Warfield for incorrectly reporting a debt on my credit report that is listed in someone else 's name. XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The company responded on XX/XX/XXXX, by providing documents to support their claim, however they are someone else 's documents. They supplied a copy of a lease with someone else 's name on it and shows an address that I have never resided. The lease provided by Hunter Warfield has a digital signature on it so I feel anyone could have made this up. The lease provided has a lease term date of XX/XX/XXXX so I have also attached a copy of my current lease that I signed with XXXX XXXX on XX/XX/XXXX, it's not possible that I had 2 separate leases with 2 different companies during the same time frame. Today I have filed a lawsuit with an attorney that works with the XXXX XXXX XXXX XXXX XXXX.
Several years ago I accepted a fixed rate for " life of the loan '' on a credit card issued by Washington Mutual. The rate was 3.99 % for several thousand dollars. 
The account was sold to JPMorgan Chase. They bumped the rate to 28.99 % for no reason. There has never been a late pay nor any derogatory action on my part. I called Chase and asked to speak to a manager. I wanted to know where it was written that if the account was sold my interest rate could change. She did n't know, neither would she help me. They could not produce a document I signed or agreed to permitting that interest change on sale of the account. 
I still owe about a {$1000.00}. years later. I was hoping your agency could help me retrieve the excess interest I have paid over the years. I was fortunate to have to money to pay, but this put many others into bankruptcy after Washington Mutual sold to Chase.
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX  XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am  requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
RE :   XXXX  I have notified Equifax that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am   XXXX   XXXX   XXXX   an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to Equifax that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written contract,  drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would hav e  XXXX  u tility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,   XXXX   XXXX
There is an account that was added to my credit report fraudulently that does not belong to me and all 3 companies were made aware. The account is XXXX last reported XXXX XXXX and it says it was opened on XXXX says original creditor is XXXX and that {$1700.00} is owed. This account if fraud and does not belong to me and I want it removed at once. Police have been notified as I am a victim of identity theft for over 8 yrs now. Please enforce this account be removed as it is fraud and does n't belong to me.
XXXX, I submitted a request for an investigation into a hard inquiry by XXXX XXXX ( i.e., " XXXX '' ) that I had not authorized. On XXXX XXXX, 2015, TransUnion mailed back the supposed results of their investigation. The results were completely unclear as it was merely a copy of my credit report. Moreover, the report incorrectly included the name " XXXX XXXX '' as one of my reported names. ( The attached photos show the XXXX incorrect places this name appears. ) I am entitled to a more thorough investigation of this matter, a disclosure of the full results, and the removal of this random name from my credit report whose origins I honestly do not know.
When I opened the Sears Credit account in XXXX 2014, I purchased a refrigerator and television, and their warranty plans, for a total of {$1600.00}, using the 24 month deferred interest promotion. I am wondering, since those were my first purchases on this account, why have n't my payments been going to those balances first? Why, in 18 months, has only {$200.00} been applied to their balances? The accrued interest set to be added is currently at {$870.00} and likely to be {$1000.00} by XXXX, when the promotion expires. 
I pay much more than the minimum due each month. At the very least, why is n't that extra money being applied to those balances? I looked throughout their website and could not find where to set it up that my payments be applied in this way. ( Another company with similar promotions has choices on their website. ) I could not find anything on their website or statement describing how payments are applied ( other than the info regarding standard payments and grace periods-which do not apply here ). There are now only 4 months left on that promotion, and I want to guarantee that all of my payments are applied to that promotional balance. 
**I tried sending an email to sears on their website. I had all the above information included. When I tried to send it, I got an error message stating " special characters were not allowed ''.
I requested an investigation into the following unknown and unauthorized credit inquiries listed on my Experian credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Experian credit report. 

Thank You For Your Time.
Received 4 phone calls whenever a 3 hour time-frame and from various telephone numbers. No messages were left. Repeated asked that they do not call my place of employment. Advised that I am available from after XXXX pm to speak. Repeatedly called before time provided. When speaking over the phone, there is harsh words and vulgar language on their end.
1 year ago I disputed XXXX XXXX XXXX transaction that appeared on my credit report Equifax had finally removed it XX/XX/XXXX. As of XX/XX/XXXX they have added back to my credit report and that it was behind 150 days and dropped my rating XXXX points. I have no contract with this company and would like it to be removed. Further more I would like Equifax to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!