WillisBack/dataset-financial-user-claim huggingface dataset:
I have had unauthorized account debits from a rental car company, XXXX located at XXXX XXXX XXXX, which is now over {$800.00} when my confirmed quote was for {$51.00} total. I have just had XXXX XXXX, and am being robbed by not only the rental car company, but also the credit card issuer Capital One, as they are of no help whatsoever. I would like to file a formal complaint against XXXX, and now Capital One, as what is happening to me is illegal. infact Capital One just argued with me to no limit, and I was assaulted over the phone by XXXX. Again I am recovering from neurosurgery at XXXX XXXX XXXX, and I am reporting credit card fraud, and failure to resolve credit card fraud. I am the consumer in the situation, and I see no other option than to contact the FTC.
I had a checking business account with Capital One. On XX/XX/XXXX i tried to make a transaction at a XXXX and the transaction was declined. After several attempts i called the bank and was informed that my account was closed and also my relationship with the bank was ended. The bank was not able to provide me with any information about the reasons behind the closing of the account, yet the still had over {$10000.00} dollars in their custody from my account. I was told to visit a branch but it was too late so all the branches where closed and i had to go the next day. On the XX/XX/XXXX i visited the branch where after a few hours of constant struggle they released my funds but no explanation was provided as the why my account was closed. 
The bank stated that they can close my account for any suspicious activity, or activity that would warrant them the consideration of closing my account, or for no reason at all. 
I mentioned to them that it was not fair that my account was closed since all i own is a tech start-up that works with artificial intelligence and there was really nothing but routine business being conducted on the account. 
After several hours the bank agent said he had done all he can to identify what happened or the reason behind the severed relationship but yielded no results, and that he will get back to me since the fraud department told him it was not a fraud issue. He was told to write an email and they would mail me a check with my funds. I insisted they release my funds which they did and gave them to me in cash. He also gave me a number to call and follow up. I called the number and it was the same thing after over 30 minutes on the phone with them they could n't explain why it happened. I asked them to provide a reason at their earliest convenience since it would look back for my business. During my conversation with the teller on XX/XX/XXXX we where able to identify that someone had access to my account and attempted a transaction at XXXX XXXX. They also failed to give me any information on this in person, or over the phone. So i took the transaction records and i will be reviewing them and going back to them when and if i identify any additional activity or transactions. 
Today is Saturday XX/XX/XXXX and i have yet to receive a call from the bank.
With correspondence dated XX/XX/2015 ( see attached copy of letter XXXX, Midland received my request for validation for an erroneous account I had found them reporting on my credit report. They failed to respond to my request with any sort of validation and have continued to report the account on my credit report. This is a flagrant violation of the FDCPA.
The following inquiries are on my Experian report. Yes these inquiries were made by me. However, the first one was supposed to fall off XX/XX/XXXX and still remains. Also the other two is due to fall of XX/XX/XXXX and XX/XX/XXXX.

1 ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX  ) XXXX 3 ) XXXXXX/XX/XXXXXX/XX/XXXX-Removal date Credit Card - Finance Company XXXX XXXX XXXX  XXXX XXXX, TN XXXX ( XXXX ) XXXX
Nations Recovery violated several debt collector laws. XXXX. They never verified if they had the correct person when they contacted me and gave personal debit collection information without verifying if I was the correct person. XXXX. The person never stated in the beginning this is an attempt to collect debit and the call may be recorded and monitored. The person stated this 10 minutes into the call. XXXX. I asked for verification of debt and he stated he would not send it. XXXX. He lied about laws of NY State debt collection and stated to me they will go after MD for XXXX years and not the 7 year limit since date of first delinquency. He also stated he gets money from people that are XXXX from their social security income 70 % of the time after they die. After I explained to him all of these illegal debt collection laws he violated on this XXXX phone call, he hung up right away
I withdrew {$250.00} directly from the Wells Fargo bank teller on XX/XX/XXXX at around XXXX, and was given XXXX {$100.00} bills and XXXX {$50.00} bill. I needed the cash to exchange for XXXX currency on my upcoming trip to XXXX. When I got to the currency exchange stand in XXXX, I was informed that they could not accept XXXX of the {$100.00} bills because it was counterfeit. They returned it back to me after writing " COPY '' on it. Upon my return to the USA, I took the marked bill to the same Wells Fargo branch where I took out the money and explained what happened. They confirmed that it was counterfeit, but informed me that they could not do anything about it because I had already left the " store '' with the counterfeit money. I asked if they could review tapes or confirm who the teller was, but they said it would not help since I had already left the store. They were condescending and rude. i closed my account immediately and withdrew any remaining monies in the form of a cashier 's check. I took the counterfeit note to the XXXX, as I have learned through my own research is policy. To the best of my knowledge, the bank has not reported the incident nor are they looking into the distribution of fraudulent money. I spoke to the service manager while I was there, but I was not able to speak with the branch manager ( nor was this option offered ). I have also not been able to get a hold of the branch manager by telephone. The Wells Fargo branch I went to is at XXXX XXXX XXXX XXXX XXXX, CA XXXX, and the telephone number of the branch manager is XXXX ( name is XXXX ).
I closed my bank account at HSBC & was told on the phone & sent a letter saying it was closed with a balance of zero. I noticed a late charge from them on my credit report & called. They said they would fix the issue since it was their fault for including a sneaky {$10.00} charge on the account after I closed that then turned into a bigger XXXX from late payments. I never received a letter or call saying that I owed them & I could n't check the status of my account online since it was closed. They did n't resolve the issue & it was then 60 days late. I called again & was assured they would fix it & then it turned into a 90 day late payment. They finally resolved it but never would take that mark off my credit score. I filed a dispute with them through XXXX XXXX multiple times but the late payments remain on there.
XXXX XXXX sent a notification saying my credit score changed. When checking the credit score, it stated on XX/XX/2019 I had two hard inquires from XXXX XXXX and XXXX XXXX XXXX XXXX . The issue is that I have a cell phone however I am not the primary on that account, so requesting an inquiry for two different companies does not make sense. Please advise on how to handle this situation. 

Thank you XXXX
I contacted Equifax XXXX/XXXX/2016 XXXX in regards to XXXX they open a new investigation again even though the were provided with docs to remove this items from my credit report we are going around and around they fail at ever turn to do anything about XXXX and keep reporting information they call the account verified when it clearly is not they have in the records a copy a court order yet
TFS reported incorrect information to Credit Bureaus. I have contacted TFS in XX/XX/2018 regarding incorrect late markers on my account. It took TFS more than two month and multiple communications to fix the problem. During that period TFS reported additional incorrect information to Credit Bureaus of two additional credit markers, one for XX/XX/2018 and another for XX/XX/2018. The car was sold in XX/XX/2018. These additional  incorrect negative credit markers negatively affected my credit history and resulted in credit line decrease for my XXXX credit card. I was on the market for a mortgage and it is also affected my ability to receive good rates. It was a stressful experience. I have attached XXXX  report which show additional incorrect credit markers on my report.
Amcol Systems Inc has reported 2 accounts to all 3 major credit reporting bureaus that do NOT belong to me.

I demanded that ALL documentation regarding these two collection accounts be VALIDATED in accordance with FCRA 609c, and within 30 days from receipt of my initial request for validation but have NOT received the sufficient documentation for my review, which was : *All ORIGINAL documents baring my compete, legal, signature and dates * SSN AND DOB on accounts * proof you are able to do business in your state as a collection agency.

*contact info of owner of Amcol Systems Inc *Amcol 's license number *names and contact info of the credit bureaus representatives that were spoken to to " validate " these erroneous accounts on my credit profiles. 
*contact info for representatives that allegedly provided these accounts to you for collection. 
XXXX complete and accurate account numbers and alleged amounts due. 
* dates and times accounts were allegedly opened XXXX representative contact info whom allegedly opened accounts I also am a victim of a possible HIPPA Violation on Almco Systems Inc part according to the FCRA. 

Thank you in advance for deleting these erroneous ite.s from my 3 credit bureaus profiles as they are adversely affecting me. 

XXXX XXXX
THIS IS A NEW COMPLAINT NOT A DUPLICATE!!!!!!! 


Brite Financial reported fraudulent information to all three credit bureaus. Advised that I missed 3 payments in XX/XX/XXXX XX/XX/XXXX as of  XX/XX/18. Payment was made to Brite financial on XX/XX/2018. No further payments were due at this time. Copy of receipt shows payment made. 30 days BEFORE report made to credit bureau. 

Furthermore there is still no working phone number to reach ANYONE.
BSI Financial was the servicier of my loan after XXXX XXXX XXXX sold it tothem in XX/XX/XXXX, when I first spoke with my negotiator I told her I wanted to keep my home and since it was in default at that time, she told me it was not an option and I needed to sell my home, I was never given a chance to save my home from BSI. They would allow me to sell it but not keep it, I put on market but could not sale, they also referred agents but could not sale, but they would not even take my financial information would not send me a workout packet only told me to sale. I got a new negotiator and we would email each other, I have an email in which I ask him why was I not given an opportunity to save my home he just said it was unfortunate. I still have that email. My husband bought this home in XX/XX/XXXX and passed away in XX/XX/XXXX, my namw was not on the loan but I was left with power of attorney he signed in XX/XX/XXXX, I sent that to bank along with his death certificate and was told they would allow me to sell but no workout was given. My home has now gone to sale as of XX/XX/XXXX and went back to bank, they sent out a relocation manager asking me when would I be moving out. As of yet there has not been a unlawful detainer filed but I am sure once they are aware of this complaint they will rush and do it. I just wanted an opportunity to keep my home and I was not given that chance, I have all emails from the negotiator and I. They could never answer my question and that was if you will allow me to sale it why would you not allow me to keep it all i wanted was a chance.
To whom it may concern, I just received a letter from the loan company and called their customer service on XX/XX/XXXX. I was told my student loan account has been converted to Heartland ECSI in XX/XX/XXXX, and my account has past due amount of {$1100.00}. 

The real story is I have been paying my student loan on time for 10 years. I have set up automatic payment and I was a bit curious why it stopped payment since this XXXX. My instinct was it has been fully paid and did n't go check my account balance ( in fact I have lost password long time ago ). I did n't know they convert to another company and I need to reset account payment method. 

To Heartland ECSI, I complained that I was not informed at all and had not idea they converted my account. And I have absolutely no intention to stop my student loan payment. The representative asked me to file dispute with credit bureau as they have reported my past due payment. 

I request they withdraw their filing against my credit score, because this is technical issue between my previous and current loan institutions. 

Regards
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I lost my wallet and couple days later had fraud in my checking account with depositing and withdrawing checks and cash through multiple atms and I Add claims and the back office refuses to call back and this has been going on for 2 months now and they keep denying claims and sill have the wro ng Info.  I faxed a police report and have a detective which has received the film from the bank so I do n't understand why this  XXXX  is still not solved. Bank of America is the worst bank Ive seen
****THIS IS NOT A DUPLICATE COMPLAINT*** *****additional information is attached. ***** Recently I disputed these accounts on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I do not owe your company any money. Additionally, I know it is illegal for a collection agency to collect on behalf of another one. How can a collection agency extend credit to consumers? They simply ca n't. Since you ca n't produce a contract between me and  United Collection Service  these accounts need to be deleted from my credit report. You are in violation of both the FDCPA, HIPPA & THE FCRA. If these listings are not removed from all  3 o f my credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights.  <P/> In th e US  law encyclopedia,  XXXX   XXXX ,  73 Am Jur 2d.  Sections  90-93  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
UPDATE -- THIS IS REVISED COMPLAINT -  XXXX  Subsequent to my filing the first complaint, there are  2 n ew facts.     Previous complaint -- I have  XXXX   Capital One  credit cards. We transferred {$11000.00} to the older card, called  Capital One t o state it was in error. We then transferred same amount to  Venture Card . Capit al One ca lled use about a fraud alert and somehow both cards kept this transfer. We paid off  Venture but Older Capital One has charged us {$210.00} interest on this amount and inte rest is still accruing. We have paid off the other charges on time in full.     Today,  XXXX  provided a letter that states that  Capital One ref used a {$11000.00} wire on   XXXX   XXXX  , and has not cashed a certified check sent on   XXXX   XXXX  .  Capital One provided the wrong address evidently but the venue that received the check has not forwarded the check internally.      We have spent hours trying to get this resolved.     Today a supervisor told me that they could not waive the interest even though they have refused  2  payments prior to the first payment deadline after which they charged us this interest.     We have asked  XXXX  to cancel the check and deposit such funds in our   XXXX    checking account and then pay the e Capital One  Card. This was not rocket science to fix. I dont get it
I have a credit card with Chase with a limit of {$65000.00}. I have not been late on a payment and have had a credit score consistently over XXXX. I pay my credit card in full every month. I recently came over my limit to {$85000.00}. I went to lease a car and found that my credit score dropped significantly. The car dealer reviewed my credit report and showed me how it was compromised as a result of exceeding my {$65000.00} credit limit. When I called Chase they stated that because I was a preferred customer they extended the extra credit to me. Unfortunately in the process of doing so, because I did n't pay the credit card down immediately, they reported this to the credit report agencies. The credit card company should have either 1 ) never approved that additional purchase over my credit limit or 2 ) notified me of this happening and the potential effect it could have on my credit score prior to reporting this to the credit report agencies.
Back In XX/XX/2016 XXXX I had a late fee the following month I paid my bill in XX/XX/XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on XXXX XXXX and noticed the late fee had never came off.

I had called discover and am still waiting for late fee to be removed.
On XX/XX/2017, I lost my Job, and for loan that I had with them of a monthly payment in the amount of {$500.00} was an excessive amout that ai could not pay in total. By calling the company and by calling the company I had the chance to set up a payment arrangement, which was to pay {$300.00} a month, but close to the end, the agent on the phone mentions that by changing the payment plan, the interest rate will raise by 15 % more, when it was already high enough for me to pay.
In XXXX 2015, I received a notice from a company named XXXX XXXX XXXX XXXX stating that I owed a debt to eBay. I called this company and also eBay and reported that I do not owe this debt as I had never sold anything on eBay. I also reported this to the local police as a case of potential stolen identity. In XXXX I received an email from eBay claiming they were reviewing this claim. 
On XXXX XXXX, 2015 I received a letter from another company named XXXX XXXX XXXX claiming I still owed eBay a debt. Apparently eBay allowed someone to link to my account without proper verification and now wants me to pay for their incompetence. 
I have already spent a great deal of my time attempting to resolve this issue. With my personal time and cost of consulting my attorney, this has cost me over XXXX times the amount that is claimed that I owe ( {$89.00} ). 
This has become quite an ordeal as well as generating a great deal of stress on me and my family. I am physically ill and I am concerned that this will adversely affect my excellent credit score ( + XXXX ) that I have spent a lifetime maintaining. 
I have attempted to describe this situation as briefly as possible. I have spoken with the debt collector, eBay and Pay Pal. I have also spent time making police reports, consulting with an attorney and responding to emails from eBay. I believe that they are purposefully attempting to " beat me into the ground '' in their attempt to collect a debt that is not mine. I have also spent time researching this and discovered that anyone can link to your eBay account without appropriate identification. I am shocked that a company such as this operates in this manner. They also do not cooperate with police agencies as they have thrown many bureaucratic hurdles in front of the investigating officer. 
Thank you for reviewing this complaint. I believe it is a microcosm of a much larger and systematic pattern of illegal practices by eBay. Most people probably pay rather than deal with this abuse.
On  XXXX   XXXX   2017 , my paychec k ( direct deposit ) {$1300.00} was transferred to my ( adult ) daughter 's account without my permission. I was told by the bank that my daughter added me to her account as a joint owner. I never gave Navy Fed  eral CU authorization to add me nor did I sign any agreement. In order to be eligible to open an account with Navy Federal, you need to be related to a member. I gave her my information so that she would qualify but not to be added to her account. When she signed up, she provided my info and the account was set up incorrectly. I spoke with two different supervisors and my daughter went in to the bank in the city she lives in and spoke with a branch manager. The y all said the same thing, they could not return the funds to my account because I was responsible for her account. I explained to a supervisor named  XXXX  that I had not given authorization to be added to her account and her response was " you should not have given your daughter your information. '' I am unsure of what I could do have this issue corrected.
XXXX XXXX representatives twice assured me that they removed late fees on my account. Instead, XXXX XXXX   reported my account as delinquent, damaging my stellar credit score.
I have written to Diversified Consultant on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewall and not answer my request as required by law but fail to mark the account as in dispute.
BancorpSouth charged a debit to my account that I did not authorize. I was charged a {$36.00} Insufficient fund fee from BancorpSouth for this.
Back in XXXX, I was very sick and I had to go to the hospital. I do have health insurance. I never receieved a bill for anything I owed. I am trying to get a home mortage right now and I had my credit pulled last week and they said I had a collection debt on my report which I know could not be true. When I reviewed it, I was sent to XXXX for a XXXX bill. I never received a bill for this so I had no idea it was even due! I called XXXX to talk to the payment center and they told me that I did not owe anything as my insurance had paid everything. I asked for them to remove me from XXXX and they said they could not. I would have to speak to XXXX. I went into their XXXX NC XXXX and the lady up front said there was nothing she could do, that my credit was damaged for 7 years and to just go ahead and pay it and it will " look better '' than it being owed. She also said if I did not pay it, they could put out a warrant for my arrest for failure to pay a debt that is owed. 

If I owe it, that is fine and I will pay it in full but the hospital told me I didn't owe it and XXXX is no help in the matter. They have broken the Fair Credit Reporting Act and my fiancee is an attorney here in XXXX NC. He is wanting to file a suit against paragon for damages to my credit report but I would rather just pay the amount owed and have it deleted vs going to court over something I don't even owe and never got a bill for. All i am asking for is the opportunity to work this out and have it deleted off my 3 credit report bureaus before my fiance takes XXXX to court over XXXX dollars. 

I have heard horror stories in the past about XXXX lying, double crossing people, and I refuse to be a victim when they broke the FCRA law in North carolina. 

I have filed a complaint with Consumer Financial Bureau, XXXX XXXX XXXX, and I have also contacted my Attorney Generals office of North Carolina. 

If they are unwilling to resolve this with or without payment and delete from my report, I will have no choice but to let my fiance file a lawsuit against them to have it removed from my report as this is keeping us from getting our new home!