WillisBack/dataset-financial-user-claim huggingface dataset:
TO WHOM IT MAY CONCERN THIS IS MY SECOND COMPLAINT AGAINST MACY 'S FRAUDULENT ACT THAT BEGAN XX/XX/XXXX.WHY DO I SAY FRAUD BECAUSE AS OF THIS XX/XX/XXXX MACY 'S HAS FAILED TO REVERSE A LATE A FEE OF {$27.00} WHICH THEY CLAIMED THEY DID .INSTEAD THEY APPLIED THE LATE FEE TO MY MINIMUM PAYMENT WHICH HAS NOW BALLOONED TO {$100.00} XXXX MORE LATE FEES HAVE BEEN APPLIED WHICH HAS RESULTED IN MY HAVING A PAST DUE {$42.00} .RECENTLY I CONTACTED THEIR CUSTOMER SERVICE VIA EMAIL TOO? Y MY ACCOUNT HAS NOT BEEN CORRECTED YET & THERE RESPONSE WAS A PHONE # I SHOULD CALL BECAUSE THE ACCOUNT IS IN A SPECIAL UNIT.I'AM VERY CONCERNED THAT MACY 'S FAILURE TOO CORRECT MY ACCOUNT IS DUE TO THERE BANKRUPTCY.
On XX/XX/2018 I had a ending balance of XXXX. On XX/XX/2018 US Bank charged me 4 fees of {$36.00}. I contacted them and advised them per there policy if my account is under {$5.00} overdrawn no fees should be charged. They then told me they charge for every transaction leading up to the overdraft. The funds were there so how are you charging me for funds that were in the account. All except the last transaction which overdrew the account for XXXX. This is a incorrect business practice I also bank with XXXX who would never do anything remotely like this. They refused to assist remove the fees or anything and I have the call recorded just stating that I could refuse overdraft coverage. It was XXXX ... .so how are ya 'll charging me 4 times for XXXX negative. The fees should be removed.
The investigation came back that the tax lien belonged to me even though the social security numbers are clearly different. I had experian do the same investigation and they fixed it in two days. Equifax took three weeks to tell me it really does belong to me. I want this item removed.
how opened XXXX CD 's at the same time. Every year we just let them keep renewing because they were emergency funds. After about 5 years we got a notice from Pa treasury that we may have unclaimed funds. XXXX of the CD 's was turned over to them for lack of activity. Makes no sencse since the other XXXX was not. Now it will take us 3 months or more to get the money with no interest. The bank never notified us but the other CD 's was automatically renewed. When I questioned the bank manager he said that the bank messed up and could not explain what happened. my loss.
The company XXXX XXXX XXXX is trying to collect money for items I never received and never requested. I had filed a claim with the FTC and they told me I was not liable and to write a Cease and Desist lette, which I did. They stopped harassing me until now. I received a request for payment from National Recovery Agency requesting the money. I called them to complain and now am writing to you to protect my excellant credit.
XXXX RELATED TO CASE NUMBER:XXXX.SECOND REQUEST TO QUESTIONS XXXX REQUEST DOCUMENTS FOR VERIFICATION OF SALE TO XXXX XXXX XXXX WITH PURCHASE AMOUNT INCLUDES REGRISTRY OF DEED ON PROPERTY LISTED ABOVE
XXXX, I redeemed points and paid {$140.00} for a rental car voucher with XXXX rental. This was though XXXX Card services, which is now Bank of America. XXXX refused to accept the voucher and billed me {$280.00}. I disputed this with Bank of America and they denied my claim. I have paid for this rental twice. Points in the amount of XXXX we 're deducted from my regards account.
I sent Total Card, XXXX certified letter on XX/XX/2016 and requested proof and verification that the debt is mine ( signature, etc. ) as of XX/XX/2016 I have not heard from the company and it is still being reported on my credit report.
Every time I would apply for a loan to purchase my first home. I am always told do that I can finance my property at XXXX , XXXX Ca XXXX, This home was purchased prices was {$160000.00} from a XXXX in XXXX. I had never purchased such a home at all. This individual used the my same XXXX number as mine the Deed # XX/XX/XXXX. The Date recorded from XXXX was XX/XX/XXXX.Documentation number is # XXXX. The seller name is XXXX. The lot building deed number is XX/XX/XXXX the buyer name XXXX , seller name XXXX , Then the other Deed was XX/XX/XXXX the buyer was XXXX the seller was XXXX After checking into this matter I discovered that these individuals had stolen and bought my information.
I XXXX XXXX XXXX XXXX and the majority of my clients pay by credit card. This money goes into my account the next day - after XXXX. Between the hours of XXXX XXXX and XXXX, transactions for the day will be processed.

If the total number of transactions are greater than the balance that is in my account at XXXX XXXX, Chase will deduct the highest amounts first resulting in multiple overdraft fees. For example, at XXXX XXXX last night the balance in my account was {$340.00}. Between XXXX XXXX and XXXX 5 transactions were processed. The amounts were as follows : {$34.00} {$44.00} {$56.00} {$74.00} {$380.00} This totals {$590.00}. Chase deducted the {$380.00} amount first which overdrew the account. They paid all of these because history shows that with my merchant account deposits after XXXX, the money would be there literally in minutes. ( after these were processed my merchant deposit hit in the amount of {$1300.00} - plenty to cover the transactions ) Had they deducted the smaller amounts first, the only item that would have made the account go into the negative was the {$380.00}. But, because they have the right to deduct the money however they see fit this will cost me {$170.00}, not {$34.00}.

Just because they have the right to do something does n't make it the right thing to do! I have complained numerous times to Chase about this, and the local staff is sympathetic, but there is nothing they can do.

This policy - and ALL banks do it - is killing the XXXX XXXX XXXX.
I contacted Ocwen in the summer ( XXXX  ) to get my PMI ( Private Mortgage Insurance ) removed from my mortgage as the houses in my area have gone up in price. I was advised that unless I have added a bathroom or a bedroom I had to order a full appraisal so they could use that to gauge the value. I specifically asked if I had to contact someone to order an appraisal or if they had to use a specific vendor or company. I was advised that I can set everything up and to send in the paperwork after it has been completed. I ordered an appraisal and the value of what I owe and what my house appraised at in XXXX was under 74 %. My submission was rejected due to " Broker Opinion Value '' I contacted Ocwen and they told me that I couldn't use whoever I wanted to use and they had to initiate it. Ironically the person I used was also the same person that initially appraised my house when I first purchased the house since he told me when I met him. I told the manager I was told that I could use any company as long as it's a full appraisal and I paid {$500.00} to get this done. I was advised that there was nothing they can do, even though I made a case that there must be a recording somewhere as everything is on a recorded line. I would like to receive help removing PMI from my Mortgage as my house is worth more than the contract terms, and at this point Ocwen is charging me about {$95.00} a month for pure profit. I feel like i'm being scammed and also out {$500.00} please help.
This company called me XXXX XXXX, 2016 regarding a debt that I have no knowledge of. I have never heard of the company and the man was harrassing and said I must file a police report. I stated no I did not have to do anything, but by FDCPA they were required to send me a notice in writing regarding this alleged debt. They have the incorrect employer, bank account and email address that they stated they have on file for me. I was transferred to a supposed manager and he was threatening to me and harrassing when I asked repeatedly for their mailing address. He asked for what? I stated to mail correspondence. He then went on and said, let 's see, we are going to find out what property you have and take a lien against it and we are going to charge you with fraud and I stated again please provide me with your mailing address. After several attempts he finally provided it to me. This company is not licensed to do business in my state and they are trying to use illegal tactics to get people to pay debts that do not belong to them.
The agency contacted me and did not identify who they were or the call was in reference to a debt collection. The caller asked me to provide my date of birth without even telling me who they were or why they were calling. I informed the caller I would not provide the information until I knew who they were or why they were calling. She stated, " I 'll note you refused to verify and we 'll proceed. '' The caller then hung up. After calling the number back and discovering who they were ( a debt collector ), I realized their " proceed '' meant take legal action. I attempted to speak with another employee at the agency and was again transferred to the same lady who initially called me ( XXXX ). When I asked to speak to a supervisor, XXXX rudely stated that this would be the " last time '' I could speak with anyone, which I assume meant they were " proceeding, '' which further indicates taking legal action. How is it legal to contact someone about a debt owed, not identify who you are, ask for personal, sensitive information, and when one refuses to give out such information, note thy refused to work with you? Why would I willingly give a stranger my date of birth, and how can I be provided the opportunity to pay a debt if I do n't know who is calling me? This company needs to provide their customer service representatives with additional training at the least.
collection agency stated that once debt is paid i would receive a letter of satisfaction debt paid in full and request from major credit bureau to remove from my credit once debt was paid i did get a paid in full letter but no request for deletion from my credit when asked why there was no deletion statement they said they report only i told them i was told they do deletions they referred me to merchant and merchant says they sold account im getting the run arround
They are the third debt collector to be handling the same debt as mine. I will not pay a debt collector when the original creditor could not provide proof the debt is mine. I do not have a contract with XXXX XXXX and it needs to be removed from all of my credit reports for good.
Note : My name is XXXX XXXX XXXX not XXXX XXXX that was used to open these two fraud accounts When I became aware if these two fraud credit cards I contacted XXXX XXXX XXXX and was referred to LVNV Funding LLC, I contacted LVNV Funding LLC Twice disputing these fraud accounts, I requested that LVNV Funding LLC supply me with copies of the applications that were submitted for the credit cards listed above to verify these two accounts, along with a copy of the sales contract from XXXX XXXX XXXX and LVNV Funding LLC, LVNV Funding LLC can not produce the applications for credit in my name XXXX XXXX XXXX nor can they supply a copy of the contract between XXXX XXXX XXXX and LVNV Funding LLC to verify that both accounts are valid and that they own the two fraud credit card accounts. As of this date XX/XX/2017 LVNV Funding LLC is still reporting False and incorrect information pertaining to both fraud credit card accounts to all of the credit reporting agencies. Fraud/Identity Theft report has been made to my local police department # XXXX and also made to the Federal Trade Commission FTC report # XXXX
XX/XX/XXXX Called American Express to get an account number for Delta Gold Card. Account was closed in XX/XX/XXXX at my request due to annual fee and high interest rate. 
Joined a debt management program in XX/XX/XXXX and wanted to include the Delta Gold Card - American ExpressXXXX was told by consultant that card number could not be given over the phone and she would have a supervisor return my call. No call was received. 
Called again in the month of XXXX and was told I was given incorrect information and that the only way I could get the account number is if the account is reinstated and I would have to reapply. I did. Account was not reopen, not surprised because they knew I wanted to add it to a debt management program.
Equifax is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. 

Please remove information from my credit file. ( XXXX Equifax, XXXX ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]
XX/XX/2018 I contacted Equifax regarding my XXXX Account & XXXX XXXX XXXX XXXX XXXX Visa advising that my payments and past due on these accounts were not reported correctly. 

I advised on my XXXX Account XX/XX/18 the past due on my account was removed due to SCRA 8-7-18 and was reversed and put on my CBR on XX/XX/18 and made them aware of it and still hasn't been removed as of XX/XX/18 XXXX XXXX XXXX Visa Account same thing reported as payment posted and reversed as well. 

On XX/XX/18 I received notification from XXXX XXXX per Equifax that over 30+ accounts were removed from my credit report and my score increase XXXX points I've included copies of the reports payment postings and notifications I've brought the continued errors to your attention that the Credit Reporting Agencies are not reporting our information correctly and reversing out information how much more information do you need to receive in order to look into the business practices of the reporting agencies. Consumers shouldn't have to deal with this anymore you advised me in the past that on the back end there is investigators that look into this type of issues and you advised your just a middle man to get results. When they don't respond. When is there going to be accountability on how the 3rd party reporting agencies going to be held accountable for reporting our information.
After reviewing my XXXX credit report I noticed several Unauthorized inquiries from Reliable Credit on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I have disputed these multiple times with the bureau as well as the creditor directly. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
While checking my credit score XXXX is showing a lein on my home by Ford Motor Credit LLC. 
This information is not correct and should never have been on any credit reports. I have documents from my Attorneys office that shows the information is false.
Equifax is still listing XXXX derogatory remark that I have XXXX outstanding account in collections. The collection agency removed the collection from XXXX, but it is still listed as being in collections with Equifax. How do i get this collection removed from Equifax?
My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with XXXX, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : XXXX XXXX XXXX Account Number XXXX and NCB MANAGEMENT SERVICES INC Account Number XXXX
XX/XX/2018 Fair Collections & Out Acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. 
Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. 
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX
I received a notification from US Bank telling me that there was an address change on my business account and to call them immediately if I did not request an address change. However, when I called US Bank, the customer service representative told me that they had closed my account. She told me that usually they would send a notification, but I never received any notification of them closing down my account.
I never received any documentation about this debt send to collection by the previous company. I request this to be removed due to improper communication to give me time to resolve this issue.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Central Finl control has failed to validate medical debt they 're claiming I owe. I initially sent a debt validation request in XX/XX/XXXX, followed up with a certified letter asking them to validate this debt again. They have failed to do so up until this point. The debt was reported XX/XX/XXXX for XXXX and again XX/XX/XXXX in the amount of XXXX for services rendered at XXXX XXXX XXXX XXXX.
We filed complaint with the cfpb # XXXX with no resolution. Then we sent them a check from our insurance company for XXXX dollars. We signed and put on check for deposit only, with our account number and a deposit slip and a self addressed envelope for our XXXX account. They cashed it and only sent us XXXX. They had no right to cash that check or hold any of that money.
there are accounts on my record from debt collection on my report that sre not mine even tho they are paid, i didnt open these accounts and i want them removed from XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed ( paid ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX    XX/XX/XXXX {$0.00} Closed Paid
On XX/XX/XXXX I wrote a letter to Experian to pursue my rights to request information on the method Experian used to obtain their verification, as well as the details of said verification.According to the law, it is my right to receive proof of the verification and if that proof is missing, to have the inaccurate entry deleted. Since you failed to furnish the information you used to validate the information used with XXXX XXXX XXXX XXXX on my credit report. This is my notice to sue under section 616 of the FCRA due to non compliance on your company part. The following items are unverifiable which is why you haven't submitted the information used to validate this information. 

Legal actions that can be taken : Defamation, financial injury US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. Extent of damages incurred by the wronged party as deemed by the courts. 
Defamation, willful injuryFCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX XXXX Case 115 F.3d 220 XX/XX/XXXX, Filed ( D.C. No. XXXX ) .Extent of damages incurred by the wronged party, as deemed by the courts.
Bank of America denied my loan modification application in a letter dated XX/XX/2017. The denial letter is attached. Bank of America stated in the denial letter that I was not eligible for " Repayment Plan '' or " Capitalization Modification Program '' because " your account does not meet the delinquency requirements under program guidelines ''. 

In response to these specific denial reasons provided by Bank of America, I sent Bank of America a request for information dated XX/XX/2017, to confirm that Bank of America correctly evaluated my loan modification options. The request for information is attached. One of the questions I asked was What are the delinquency requirements for " Repayment Plan '' and " Capitalization Modification Program ''? 

Bank of America sent a response dated XX/XX/2017. Bank of America 's response is attached. Bank of America failed to provide the requested delinquency requirements for " Repayment Plan '' and " Capitalization Modification Program ''. 

Since Bank of America denied my loan modification application with the reasons that " your account does not meet the delinquency requirements under program guidelines '' for " Repayment Plan '' or " Capitalization Modification Program '', I am entitled to the information when I request what those delinquency requirements are. I, as a consumer, have no way of confirming whether Bank of America correctly evaluated my loan modification options when Bank of America refuses to provide the delinquency requirements that Bank of America used to deny my loan modification application.
I requested validation of debt dated on XX/XX/2016, company has failed to provided me with the documentation. The company failed to provide me with a notice to request verification of debt, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
A XXXX form was sent to an address XXXX XXXX XXXX, XXXX TX XXXX. I have never lived in a city or at that address. The individual who lives at that address contacted me and forwarded me the XXXX form. I have contacted CHASE credit card to inquire how and why this happened as I have lived at the same address XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX for 13 years. After several attempts to speak with chase and understand who authorized the address change they said they do not know how or why the information was sent to the 3rd party and that they do not keep records for that information but that they were sorry it happened. Chase bank reps do not want to discuss the matter with me and I feel they are trying to hide how this event occured.