WillisBack/dataset-financial-user-claim huggingface dataset:
Chase has finally approved a Short Sales, offer on my home. they also will provide me with a $ XXXX relocation allowance ( $ XXXX is the maximum HAFFA will allow ). Now I owe the IRS some back taxes. The IRS want to take my $ XXXX moving allowance to satisfy my tax liability. 
But I need this $ XXXX to move rent a house, and secure employment, without it I become a homeless statistic. 
Please convince the IRS that I do not profit from this relocation allowance, and although it sounds like a lot, it really is not. Please convince the IRS, to allow me to keep this, and it is in there best interest, as once I am able to establish full-time employment, that I will at that point, will be able to set up a payment plan to repay, what I owe them.
HAVE A MEDICAL BILL THAT WAS PAID FROM XXXX XXXX XXXX, AND THE FACILITY THAT I WAS SEEN AT IS CHARGING A HIGH AMOUNT ON MY CREDIT BECAUSE THEY WAITED TOO LONG TO BILL INSURANCE. I HAD XXXX XXXX XXXX AND THE BILL WTLL NEED TO WRITTEN OFF. IT IS WITH A COLLECTION AGENCY CALLED XXXX XXXX AND THEY ARE VERY RUDE AND IMPOSSIBLE TO DEAL WITH. THEY REFUSE TO TAKE IT OFF MY CREDIT AND IVE TRIED CALLING THE ORICIAL FACILITATOR. NO HELP THERE EITHER. I HAVE TH XXXX FROM THE ISURANCE PROVING THE PROVIDER WAS PAID.
I have been a client of BB & T Bank for over 15 years. As of XXXX XXXX, I have noticed numerous unusual charges to my XXXX Checking Account and fraudulent activity on my account and have asked the bank to assist with no help at all and continuous bank charges are being accessed on my account and I need some help in resolve and to recoup monies owed to me by my financial institution. Also please note XXXX XXXX the issued a chip security card with my old atm debit card number XXXX cards were active until XXXX XXXX. Claim # XXXX, XXXX, XXXX ( pending )
I am trying to contact my bank regarding a dispute. I am calling the number on the correspondence I received in the mail from the bank. When I call, I get prompted to leave a voicemail for the Merchant Disputes XXXX department, but the voicemail system then plays a message that says the mailbox is full. This has happened several times over multiple months. I called the customer service number for my bank and got a transfer to the disputes department ( onshore ), and told them that I was trying to reach the agent working my dispute offshore. I gave them the same information from a letter I received, dated XX/XX/XXXX, and they were also unable to get through. The number is XXXX.
Hi, My name is XXXX XXXX, I recently applied to your CITI PREMIER credit card, I activated and registed on my online account, as I wanted to start using it to take advantage of the benefits your card offer. 

Unfortunately im having the worst experience possible with your Citibank, I had called several times, around 10, because it seems that my card was block, because your fraud department needs to verify information, and that's okay, I have card with other banks like XXXX or XXXX and I appreciate that. But your representative that unfortunately are not US BASED, it seems that they understand what I say, I know they might be doing their job, but is so frustrating that I can provide all my information, SSN, DOB, Phone, address etc., and they are giving me a hard time, they ask for my phone number, and them they said that they can not verify me with my phone, that I myself verified is correct thru online banking At this point I just wanted to cancel my credit card. but they wont let me. so literally I can not used or closed. is just madness, I really don't understand how one of the major banks in the US, can provide such a bad service, it has been a week, and nobody resolve nothing to me. 

Is truly the worst experience that I had with a bank. I feel discriminated and is frustrated that this bank treat customer like this. 
I hope you can help. 
My contact information is XXXX XXXX XXXX account ending on XXXX. 

Thank you
XX/XX//2017 {$510.00} the company was trying to collect and doenspt have a license to collect
I am unable to access my credit report online directly with Experian to do disputes or view report. I am also unable to request my free annual credit report either. I am entering my correct information and once upon a time I was able to do so without a problem. I have made Experian aware of this problem as well and they have not resolved it. I spoke with XXXX in Consumer Affairs and he removed my current address and readded it incorrectly resulting in my current address still being incorrect and I am still unable to access my report. My current address is also showing as a new residence because of whatever changes he made. They also placed a fraud alert on my report that I did not request to have added. I requested it to be removed and they requested me to send in my license, a bill and a written request to have something removed that I never requested to have added in writing or verbally. Although I did n't agree with the request, I submitted the information and received a confirmation that the fax was submitted successfully. However, I still am unable to access my report.
Barclaycard credit card, issued by Barclays Bank Delaware, continuously flags my card for fraud requiring that i contact and spend hours on the phone. After resolving the matter at considerable expense of time on a call to them, and after being reassured that the hold has been removed, I try again to use the card at the same merchant and again the charge is denied and flagged for fraud. Each time that I call I am told that there is nothing that they can do, and more importantly, they refuse to tell me the exact cause for being flagged. At this point the items that were to be purchased for XXXX will not be received on time. Even after escalating to the resolution manager, both times, nothing is resolved.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Fair collections & Out. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Starting in 2016 I have received monthly recurring charges on my XXXX XXXX debit card. The charges initially were for XXXX from XXXX XXXX. Once I noticed the charges I would contact Google from the number listed on my statement. They would go over my existing google accounts and find out that I had no method of payment listed on those accounts, as I could tell them myself. Then would then issue a refund for the charges and tell me to contact my bank and have a new card issued. I went through this process 3 times over the past year and a half. On the fourth time I noticed that several other charges had been processed along with the monthly recurring charge. I contacted my bank and together we called google billing support to investigate and see if they could block future charges from going through. The representative was singularly nasty and hung up after saying that it was my bank 's responsibility. They did not even take my information to confirm the ongoing case. I have since closed that bank account and switch banks because of this. XXXX I believe did a good faith effort to resolve things, but Google has shown little initiative in finding the root cause of this. Four attempts are more than enough. I have a case number from google and two fraud case reference numbers from XXXX.
I had a debt from Kay jewelers that was bought by national credit adjusters. I paid in total  XXXX  dollars in 12 months way of  XXXX   XXXX  dollars a month and a last payment of  XXXX  dollars. The debt does not show on my credit report and Kay jewelers said I do not owe anything.  XXXX   XXXX   XXXX   XXXX   has contacted me and said I owe money for a debt to Kay jewelers. I told them it was paid and provided phone numbers to verify that it was. I have received nothing in writing from the regional mediation services about this supposive debt. On  XXXX   XXXX    XXXX   I received a call from an Idaho number which I do not live saying they are a courier to serve me papers on behalf of regional media services to sue me. I believe these people are scams and need to be looked into. I have done some research online and have seen the same stories from others and was provided this site address to file a complaint. Thank you  XXXX   XXXX
This debt was sold because when I requested information from the debt collector they just simply sold the debt to keep from disclosing information. This debt collector did not verify they have a license to collect in Michigan and I want them to report to all three credit agencies that this debt is disputed.
There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXnotifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX, Bloomingdales, XXXX XXXX XXXX XXXX XXXX
Before I asked for debt validation, they used to call me very frequently and the language that was used was as if they were attorney 's collecting on a debt by representing the original company. 

After I asked for debt validation and they sent me the paperwork, the letter had, " XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ''. 

They sent this information in XXXX XXXX XXXX after I requested this information a few months ago. 

My main issue is that they present themselves as attorneys over the phone and in writing and this information is n't correct. 
Lastly, I do not claim this debt.
In XXXX of 2015 my family and I moved from our residence at XXXX XXXX after the property refused to renew our lease For which they did not provide an adequate reason as to their decision even when requested via email ( see attached ). We gave the apartment manager our contact information and requested that a ledger of any cleaning/repair after move out be sent to us ( attached ). Our schedules did not allow for a walk through with the manager however we did take pictures and have attached them to this complaint. 

We believe that we were not allowed to renew our lease as retaliation for numerous complaints that we made to management regarding appliances that did not work, health issues caused by inadequate living conditions etc. All of which they were reluctant to fix or did not at all fix. 

After moving out we never heard anything from XXXX XXXX or IQ Data for that matter not a letter, or phone call.We assumed that our security deposit had been used for cleaning and any repairs that might be needed. However, we never received an invoice or itemized list of the work that was done as is our right to receive. 

Last month we were notified by XXXX XXXX that there was a collection placed on our credit reports for the amount of {$4200.00}. We had no idea what this debt could be for since we occupied the apartment for 2 years most of the repairs & cleaning were not beyond normal wear and tear. We also never got a letter from IQ Data stating we had a debt that may go to collections instead they sent it right to our credit report with no attempt to come to a resolution. 

After a dispute was made with the credit bureaus IQ Data sent us nothing more than a copy of a minimalist walk through checklist created by the property which claimed that everything needed to be replaced including the entire carpet ( citing pet damage when we did not own a pet ), doors, appliances etc. They even finally replaced appliances that we had been complaining about for months prior to moving out. There was no break down of cost on this checklist, no receipts to justify how they got to that total.
I just noticed an address listed in my personal information that I do n't recognize. It is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I lived in XXXX California prior to 2005 but I never lived in XXXX. I checked the address through XXXX and noticed that it lists XXXX residents. This may indicate that it is a board and care home, a halfway home or some similar temporary multi-resident use. I reviewed the list of residents to see if I recognized any names, which I did n't - except for my own name listed as a previous resident. Since I never lived there, I am submitting this complaint to get this address removed from my credit report, and I will contact XXXX to have them correct their information.
I just realized that XXXX XXXX XXXX XXXX is showing up on my credit report as an outstanding debt in the amount of {$1500.00}. I have no way of getting in contact with this company but this account was settled in full approximately 6 years ago. I would like to have this removed from my credit report as soon as possible and have my scores updated.
Nelnet Loan Services has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
This company is continually calling my job. When sent to my voicemail they do not say anything. The phone number they are calling from is XXXX XXXX XXXX XXXX. They even called the receptionist and said they were calling from the US Postal Service. they told her they must speak with me. When I got on the line the person hung up the phone. Their tactics are unscrupulous and deceitful.
1.   XXXX   XXXX   2.   XXXX   3.  XXXX  4.  XXXX  5.   XXXX   XXXX   6. Regions Bank 7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
I have supress and frozen my report with this company 2 times and had old information remove which is still showing up in there data base after they have sent me a file that clearly states that they went in my favor and delete all inaccurate information I have ask Lexisnexis to send me proof of verification which never have been giving to me they just send incorrect information through a machine that is not correct at all they never had a conversation with a human to verify this wrong information on me please help me get this put behind me with XXXX  and XXXX inside is information they have told me to sent to get this bankruptcy remove thats not mines
Recievables performance management sent me a bill for {$770.00}. I asked them to validate that this & they did not but instead put it on my credit report at all credit bureaus. I again sent them a certified letter on XX/XX/18 which they signed they received on XX/XX/18 @ XXXX asking them to validate the debt by certain steps & AGAIN they ignored & sent a bill today XX/XX/18. They have also refused to notify the credit bureaus to remove this while it is under investigation. I want them to cease & desist immediately. XXXX XXXX XXXX had previously tried to collect this debt & they could not Validate it so they removed it. Recievables performance management has bought this & I have no contract with them either. This debt is NOT valid. I have attached copies of the proof.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is agains t Harvard Collections for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
On XX/XX/ I took about XXXX adults and XXXX kids to XXXX. I put the transactions at different times because everyone arrived at different times. One of them didnt show up so I had to get a refund. At XXXX we were riding the monorail and one of its compotents above our heads opened up and hit me in the head. Its a pretty heavy components so it left a bruise. I told the employees at the park and they took it out of service. Needless to say i was fine for the day. Me, my wife and XXXX kids ( my kids birthday ) left the park. 
I contacted XXXX but they said to dislike it and they would credit me. Do I disputed the charge with my credit card company and XXXX wrote back to chase saying service was rendered. When I spoke with XXXX XXXX from chase he said the dispute team coded it incorrectly. It shows service never rendered and it was it just wasnt as expected. He said he had to close out the disputed and that I would have to start over with the correct coding. On XX/XX/ I got a letter that said it was closed out and I called chase to redispiye the charge. They said I had to write a letter to redisputed the original disputed. I informed them that the person ( I gave them his contact information ) whom is handling the case said I had to redispute it. They said they wont do it and I was out of luck. Managers name is XXXX XXXX whom said he so f help me. I said can he contact the other person whom is also from Chase to find out the correct way for me to fix this issue. He said he will not contact his colleague and I was out of luck. Please help
I should not have to pay money to freeze my credit due to XXXX 's egregious error. Because of XXXX 's fault, I 'm now on the hook for the money to freeze my credit with the reporting agencies.
When I paid you, I relied upon the belief that you would do the honorable thing and remove your nasty and derogatory comments from my credit bureau files which you not only failed to do but actually changed my listing to paid collection which is a far worse rating in the eyes of any potential future creditors.

In doing so, you obviously failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for my pending lawsuit against you for punitive damages in whatever amount a jury might deem appropriate for your violation of the estoppel doctrine of law.

Here is what the Doctrine of Estoppel is and how it applies to your violations of it. In order for the doctrine of estoppel to apply, the party of the first part ( you, the collector ) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice.

In your communications with me you told me that you would update my credit reports as soon as I had paid the debt to you. Quite naturally, I assumed and relied upon your statement to that effect to mean that you would mark the account as " paid as agreed '' or even quite possibly remove it entirely.
There is a collection from " XXXX '' collecting for the alleged original lender, " XXXX. '' I have never had any dealings with XXXX or any of its companies. This collection is fraudulent and has been investigated, found to be inaccurate and removed by XXXX and XXXX. TransUnion needs to investigate and remove this collection from my report. XXXX is being investigated and sued by many states for this and other fraudulent acts.
This collection account appeared on my credit report fraudulently. I have never been billed by any medical provider or received any correspondence from Credit Adjustments Inc. about owing any debt. This item has been placed on my file without giving me the option to dispute the account, because the debt is not mine. I have filed disputes with XXXX and the company continues to auto-update the account without any proof of it belonging to me. I would like this item removed immediately.
My credit cards has been cancelled by Capital One. I have XXXX different accounts with Capital One. Upon learning that my cards were cancelled I immediately contacted them to find out why. XXXX card I understood their decision. As for the second card, I have had the account for 4 years, 11 months. I have NEVER been late. Last month a fraud issue effected my bank account. My bank account ended up being overdrawn as a result until it was investigated. At that time, I was unable to reverse the payments I set up because they were already processed through Capital One.This caused the payment I sent to Capital One to be returned unpaid. This was the first time I had a payment returned on this account. As a result of the returned payment they closed the account. When I asked the fraud department, whos name was XXXX ( employee ID XXXX ) she said even though this is the first returned payment on this account, my checking account was also used to pay a payment on another credit card that was also returned, so the investigator closed both accounts. Is this really legal?? How does the status on XXXX account affect the other when they are totally unrelated? Why would a company close a account that has never been late with its first return payment almost 5 years after it was opened? I read the Credit card agreement from Capital One and read the Credit Card Act signed by Obama and it does state anywhere that XXXX account will be closed based on the status of another account. I find this to be illegal. This has jeopardized my credit reports which is now going to keep me from buying a home after saving and working so hard to be in a financial situation to buy a home for my children.
I just want to bring to light this company 's shabby service. In a response to a previous investigation, Navient still fails to get the information correct? Really what good does this do? Navients own reply contains erroneous information. They come back with all of this technicality and validity in their eyes but still ca n't get it right. They make mistakes when they cover there mistakes!!! Is there no system in place to catch mistakes? How can an initial payoff check proceed the final payment by 5 years?? I am done, done, done. I have enough evidence to substantiate my claim. Enough chances have been granted. Navient will hear from my attorney. I am more than willing to put this on the forefront so that something is done to highlight Navients inadequecies for the greater good!!.
First Financial Mgmt is  attempting to collect a debt from me that I do n't owe. I never established a contract with this agency at all. Obtainning documentation as a debt collection agency or third party vendor is not a contract or it does not legally bind me to pay this company any money, furthermore this agency is in complete violation of the FCRA law by placing a negative tradeline on to my credit reports