WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX is XXXX.
XXXX terms of contract were violated. I could not get XXXX to honor their end of the contract by providing me service in my home XXXX. Extremely fraudulent contractual obligation.
I put {$7000.00} in an IRA CD at .5 % for 19 months. I never was told of any maintenance fee when iniating the CD. 9 months later ( XX/XX/XXXX ) I was sent a letter from US Bank wanting a yearly fee of {$30.00}. At most I will actually have the meager {$35.00} go for fee and federal taxes this year, and as I complete the remaining 7 months of the CD, wo n't make enough to pay fees and taxes. In addition, the letter said that if I do not mail in the yearly fee, US Bank will take it out of the CD. If I had been given this information on the cd document of the fee, there would have been no transaction. No other bank that has my IRS impose such a fee, especially in this concealed manner. I would be financially ahead by putting my {$7000.00} under my mattress! I complained to US Bank. They say that they will waive fee. I wait to see. However, how many retirees suffering from low interest rates are actually only paying back banks with maintenance fees that should have been meager interest in the retirees income? State the amount invested, percent interest, term, and disclose any maintenance fees on front of cd at minimum. This the first bank to do this in all my years of participating. 
been given information on the cd document of this fee, there would have been transaction.
I have disputed incorrect payment information multiple times with the credit bureaus concerning my XXXX accounts. These show multiple late payments despite their agreement to remove late payments and stating that they have reported no late payments to the credit bureaus. Despite submitting disputes and proof from XXXX, the credit bureaus will not remove late payments from these accounts, or have stopped reporting them at all. I would like XXXX accounts to show on my credit reports with no late payments, as agreed upon by XXXX
A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX   XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score. 

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.
XX/XX/2016, we received a postal notice from Specialized Loan Servicing , LLC, located at XXXX XXXX XXXX. XXXX . XXXX, XXXX XXXX, Colorado XXXX, that their company had purchased my primary mortgage, and we were to stop making payments to the previous company that had held the mortgage. The notice said that we would receive information about how to make payments, and that our monthly payments would not change from the previous company 's amount. By XXXX XXXX, we had not received an identifiable account number, statement or payment book, so we twice called the number on the postal notice. However, we were unable to get past the automated messaging system, which requested an account number. This request was not satisfied, evidently, by inputting the number on the original notice, nor by inputting my social security number. We waited for a statement or further payment instructions. By XXXX XXXX, none had arrived. We went to the SLS website and attempted to set up a payment account to make online payments. Again, both my social security number and the number on the original notice turned up the statement in red that the system did not have an active account for me on record. We took a screen shot of this notice and have attached it to this complaint. Then, on XXXX XXXX, 2016, we received a XXXX delivery of a packet containing information about applying for a U.S. Government Hardest Hit Fund that is NOT LISTED as available in my state, and forms to fill out for foreclosure on my property to send back to SLS. Buried on page XXXX of this multi-page packet was a statement that I was delinquent in one or more payments to SLS, a company that had never made it possible for me to make a secure and traceable payment toward a stated amount. That same day, XXXX XXXX, 2016, I immediately tried again to telephone SLS. This time, my call was routed by automated system to a " different office '' that gave no useful information. I kept trying until I was offered an option to speak to a person in a department called Customer Resolution. The woman who answered asked why I was calling SLS. I told her that I had received a XXXX statement that I was delinquent in one or more payments to SLS when SLS had never sent me a bill, had never acknowledged online that I had an active account with them, and had never made it possible for me to register to make secure payments. She immediately hung up in my face, without another word.
Purchased XXXX XXXX in XX/XX/2013 and financed through Santander. The car was {$17000.00} when purchased ; with the fees and interest rates the balance is about {$13000.00} -- 5 years later. The car is on its last leg and need work done -- it has over 130,000 miles on it. The amount of money I still owe is ridiculous and I realize that my credit wasn't the greatest when I got this loan and have had some issues with making payments over the years but I owe {$4000.00} less than I did when I first purchased the car and there's no way that this car is going to last for the next 2-3 years its  going to take to pay it off. According to XXXX the car is only worth $ XXXX-XXXX -- I still owe {$13000.00}.
The date in question is XX/XX/2019. Company involved is Credit Karma. Attempts to contact them unsuccessful due to the fact there is absolutely no way to reach any customer service representative. I received an alert by Credit Karma that my XXXX credit score had dropped by XXXX pts. This as a result of a " new chapter XXXX bankruptcy '' reported by my credit union. Also that my open XXXX loan was listed as closed. These 2 items are totally incorrect. Multiple items regarding supposed debts owed, incorrect. I contacted both my credit union & XXXX ( I filed a dispute ). Neither companies had any facts as described above. Advised by XXXX to file this complaint.
Our Mortgage lender sent us a Notice of Default but failed to comply with RCW 61.21.031 and did not send us a " Notice of Pre-Foreclosure Options or Important Rights for Homeowners '' BEFORE sending the NOD. They claim we " responded and did not request a meeting '' but nothing has been offered to us. There seems to be a {$16000.00} discrepancy between the payoff and the NOD as well. 
What little communication we have with them causes us much confusion as they are putting inconsistent information on papers ( including a wrong address on the NOD and thus a certified letter from us was undeliverable ) and can not answer questions via telephone. 
Our house has XXXX pre-approved pending sales and due to the time sensitivity of this, the NOD action they took could result in a Notice of Trustee posting and thus making this public as well as reduce the value of our home and thwart our efforts to rectify our situation via the sale.
After becoming aware of the Equifax Security Breach last week, on X/X/17 I availed myself of their website to check on whether or not my information had been breached. As per their instructions on their website, I completed the online form and received the on screen electronic response that my information " ... ... may have been impacted ... ... '' and it directed me to enroll in their " XXXX XXXX '' product. 

I subsequently called a contact phone listed on their website provided for victims of this security breach and queried them as to whether or not my information had/had not been breached and pointed out that their website had informed me only that it " may have been impacted '' and I wanted to know definitively if if had/had not been. They were unable to tell me and took my phone number and said that when they were able to determine whether or not they could make that determination, they would call me back. Not really an answer and it has been days, and I have had no return call. I also informed them that in addition to my own query, I made up a name and last six digits and submitted a separate query with a last name of " XXXX '' and last six digits of a SSN of " XXXX '' to which the electronic response was that my " personal information was not impacted by this incident. '' The appropriate response should have been that there was no record for the information provided, not that it had not been impacted. 

The individual on the Equifax special phone line only referred me back to the website query point and could not/would not answer my question. Furthermore, they could not even provide me a general phone number for Equifax so that I could further pursue it. It appeared to be a contracted third party that provided me nothing more than did the query webpage. Furthermore, it has been since last week and I still have not call back from Equifax. 

For my genuine inquiry, the response is inadequate. Equifax has obviously identified which files were breached and should tell consumers definitely if their information was stolen or not. There is a lot of work individuals must do to protect themselves if their information was breached and if with this kind of ambiguous response, an individual does not know if they need to undertake the arduous and costly task of further protecting themselves. 
In addition, Equifax should be providing free LIFETIME monitoring, not just a one year program that I will have to pay for beyond that one year period.
On XX/XX/2018 I closed the credit card ending in XXXX, at this time I payed all the outstanding balance on the card. Unfortunately this company had the wrong amount ; they stated that owed more than I originally charge in the card. When I complained about this issue ( The wrong amount ) Barclays stated that they were correct and I had to pay the full amount. They keep charging my bank account and they are stating that I owe them money with any proof of it. 
When I close the account back in XX/XX/XXXX my balance was XXXX. But they still keep charging my bank account without my authorization, they stated that I owe {$370.00}, but I am not responsible for that amount. I called them many times and they ignored my petition of showing me a sales draft with my signature, but they declined. They dont have proof that I owe them that much. Also they are charging my account fraudulently. Please help me to stop this fraud.
My light bill keeps popping up on my credit report. I opened an account XX/XX/XXXX and theyre telling me that I have a past due balance as of XX/XX/? How is that possible if I havent had an account open until XX/XX/ where is this XX/XX/ balance coming from its over 10 years old its coming from my old account that got transferred to my new account .havent had an account opened in my name since 12 years and five months ago except in XX/XX/, So where is this XX/XX/ account coming from its coming from my old account more than 12 years ago and it needs to be taken off my credit report because its over 10 years its not brand new from XX/XX/ because I didnt open account with you guys until XX/XX/XXXXand you can see that on my credit report from the specific billThat the longest debt on my credit report is from that exact original bill 12 years and five months ago which this isthe account imtalking about. Ive called you guys numerous times Ive called the collection agency also and they dont know about the old account? If theres no previous account then where is this previous balance coming from as of XX/XX/ if I didnt open an account with myself until XX/XX/? numerous times and there told me that they cant find an account that that account from the XX/XX/ balance is being forwarded to so how do I have a previous balance of this amount if I dont have a previous account back over 10 years ago? The balance was {$1500.00} way back over 12 years ago.
us bank is saying I started a bill pay against my will which I did not submit to be paid XXXX/XXXX/2015 to collect fees so on the XXXX/XXXX/2015 XXXX did reverse the fees an show me how to delete the information so it did not happen again so on XX/XX/XXXX the fees were put on my account again XXXX per item total XXXX so XXXX claim the fees would be refunded back to my account by XXXX so she walk me through my account to stop the pop up from appearing on my screen say the pop up is put there to be annoy me an cause it kept asking me to finish the bill pay so I did not now later so XXXX walk me through internet option to delete the pop up from appearing an the fee will be refunded back to my account by XXXX so XXXX I call back an the fee of XXXX is still on my account I talk to XXXX he inform me that he was refunding me the fees in a half an hour an I can check back about XXXX to see the fees had been refunded to my account so I call about XXXX I talk to XXXX who set me to talk to a lady name XXXX who then stated she was not refunding me any fees an gave a address to file a complaint us bank 24 hour banking management XXXX XXXX XXXX XXXX mn XXXX at first the bank is claiming the checks were mailed on XXXX I said can I have a copy of the receipt paying for postage they told me no so I talk to XXXX an XXXX said the check was sent out on XX/XX/XXXX so that is when he refunded the fees first fees back on XX/XX/XXXX an show me how to delete the information so it did not happen again but the bank is charging me again on XX/XX/XXXX to put the fees back on my account and refusing to honor because I did not submit the information to complete the bill pay the bank is doing this on there own to collect fees from me it is the bank who is doing tying to say I did bill pay when I did not plus the operator on XX/XX/XXXX is the one who told me to put in the memo to electronic debit from my account but I never submitted to be paid so not the bank is trying to say I did submit when i did n't an the bank would send popup for me to finish an I put not now later so I never submitted
I cancelled my membership at the XXXX XXXX XXXX months ago, I paid off the remaining month and was told leaving out of there that I had no worries remaining on my account. However, fast forward a few months later and I receive a notification through my credit tracking app that a new account is in collections for {$140.00} and it is pertaining to the membership I had at XXXX  XXXX. I call the local XXXX  and am told I have been sent to collections and that they can not assist me, that I must call the collector. I called First Credit Services and they couldnt even find the information pertaining to my account, it took a floor supervisor 20 minutes to be able to pull up my information from which they could provide no dates or reason on why I owed this money. I received no notification from XXXX  XXXX about outstanding debt, if I wouldve I would have paid it immediately. I am rather surprised that this would occur, as my relationship with XXXX XXXX had been great up until then now I have a collection account that is unfairly hurting my credit score. I have no answers to why I owe this money if I had cancelled my membership, to why I wasnt contacted about this money in the first place, and to why I am suddenly in collections. I also contacted the billing agency known as XXXX XXXX  XXXX   and they declined to give me anymore information stating that it was already sent to collections. I deserved to be notified first by this billing agency per the FCRA that I owed this money prior to it going to collections, which I was not. This is a disparaging to say the least I don't know how First Credit Services can try to collect a debt that is invalid and not owed in the first place. However, their simple way of continuing to collect the debt is by saying, '' we are only a 3rd party collection agency and have no jurisdiction over the initial process between the debtor and consumer ''. It't unethical for them to behave with these business practices.
In XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after  giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for Equifax & XXXX so chose to wait until I was able to pull & print my annual report & write them then. I contacted XXXX & Equifax by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from Equifax.
I have been a customer of PNC for almost three years. I believe that PNC targets their consumers who once they have reached a certain amount of overdraft fees, they just add erroneous fees later. Example. Last year I had a lot of bank issues and I had {$180.00} worth of overdraft fees. This year I decided to keep better track of my spending to avoid these fees. 
In XXXX my account was overdrawn {$60.00}. PNC 's policy is you have until XXXX to bring it current otherwise you will get a {$36.00} fee. I took out a payday loan of {$100.00} and put it in my account, so I had a positive balance. The next day PNC charged me {$36.00}! I immediately called the branch the manager argued with me and said that even though it 's not PNC 's error she would refund my OD fee since I did get a payday loan to avoid it and she wants to acknowledge my effort ... Since my OD was refunded I did n't proceed any further. Now as of yesterday I had XXXX deposits. XXXX for {$8000.00} another for {$160.00} and another for {$750.00}. Prior to the deposits my account balance was - {$17.00}. I put {$17.00} on my card which left me with {$.00} overdrawn and PNC policy is any balance {$5.00} and under will not get a fee.. I wake up with almost {$10000.00} in my account and I see an OVERDRAFT FEE!! Because a check for {$110.00} was processed BEFORE they let my credits come through! They do n't time stamp when debits and credits come through for the purpose of being able to process debits before credits. Because since my balance was XXXX cents they allowed the {$110.00} to be processed so the {$36.00} fee could be charged and THEN they let my credits come through. I spoke with another employee who advised that while they can see where I would think their system is triggered that once you hit a certain dollar amount of OD fees, they will just throw random fees at you. She assured me that 's not the case even though she could n't admit which transaction came first the debit or the credit. Based on yesterday me getting an overdraft fee based on them saying the debit was first but they do n't time stamp so they ca n't prove it, then they do n't need to be charging fees!! How many other people have they got with this technicality? Basically we do n't know which came first, but we are going to benefit from this either way???!!! I geniuinely feel that if you all start and investigation you will find that PNC has very shady practices.
XXXX XXXX, 2017 - I forgot my password on my account to log in. The only way to reset the password online is to have the account number. I receive e-statements that do not include the entire account number and was never provided any card for this line of credit, so I do not have access to the account number. 

I called customer service to assist me with resetting the account password. After validating my social, name, address, and phone number, I was told they would not assist me in resetting the password because my cell service provider did not support the short-form message type that they needed to have me validate. ( I use XXXX ). My options were to a ) contact XXXX and request that they change the policy on my account to allow for the texts from Wells Fargo, or b ) go into a branch location to validate my identity. 

I escalated to a manager, who provided me the same options again. I asked him how I can make a payment and access the information on my account without this and he directed me to the mortgage division. I DO N'T HAVE A MORTGAGE WITH WELLS FARGO. I let him know this is not in regards to a mortgage and he begins to backtrack. It became apparent that they did not even know what type of account I had. 

With all of the issues they have had recently with altering their member 's accounts fraudulently, I would very much like to be able to access my account. Apparently, the only way to do so is to travel a great distance to show up in person or negotiate my cell phone provider to change their company policies. My personal information is not enough to validate my identity, I have to rely on a 5 or 6 digit code to be text. Seems outrageous. 

I have the manager 's name - XXXX XXXX to contact. In the interim, I am trying to find my original paperwork from prior to when I went to 'paperless ' on the account to find an account number to reset my password on my own. The process does not make sense and is highly inconvenient to the consumer who is just trying to pay their bill on time.
Us bank keep charging me hidden fees, my account comes with XXXX free atm transactions a month and they charge me for XXXX transactions and i only recieve XXXX free atm transactions. So they charge me {$7.00} of atm trasactions and that gave them a reason to charge {$27.00} for extended overdraft fee but it dont stop there now they will continue to charge {$27.00} for every 8 days. I barley get XXXX dollars of SS XXXX income and i have XXXX kids and this is not right for a bank to take advantage of people like this. please take care of this issue. then if you over draft your account it will be charge XXXX dollars for each overdraft and XXXX dollars for every eight days while your account is in the negitive. they stold XXXX dollars from me last month and they keep stealing from their customers.
I was shocked when I reviewed my credit report and found late payments on the date below : Creditor : XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is there was a billing error with my statement.