WillisBack/dataset-financial-user-claim huggingface dataset:
ATT universal card through Citi, XXXX XXXX, 2015 some with XXXX, Account Manager in the Maryland office, XXXX. She was to provide my account number via email within 24-48 hours, XXXX told me she did not have a telephone extension tgat if I called back they would send her a message to reach her. XXXX XXXX, 2015 I had not received the information. I called back spoke with XXXX, XXXX, she said XXXX was in and that she reached out to XXXX. XXXX stated that XXXX was assisting another customer and would call me. I provided my telephone number XXXX times to XXXX. XXXX XXXX information still not received and XXXX did not call me back. I called again spoke with XXXX, XXXX, I asked for someone above XXXX and was placed on hold. I was told that I could speak with XXXX another Account Manager. I said no that I wanted someone above XXXX 's level and I was told that is the hugest level in customer service. I told her I did not believe tgat XXXX is the highest level. I was told she is the highest level and for me to write Citi about it. 
It is eight days since XXXX told me my account number would be provided to me by email within 24-48 hours.
I rehabilitated XXXX loans through XXXX which were then transferred to Navient on XX/XX/2017. At the end of the rehabilitation program, 16 % collection cost fees were added to the principal followed by a 1.5 % Rehabilitation writeoff. The totals were {$48000.00} principal, {$8000.00} collection cost fees, and {$1100.00} Rehabilitation writeoff. The total principal transferred amount transferred from XXXX to Navient barring interest was {$55000.00}. ( confirmed by XXXX ) Navient is stating the total is {$55000.00} plus an unpaid collection cost of {$1100.00} for a total of {$56000.00}. They are charging me for the fees that were written off by XXXX. I have filed two disputes with the Office of the Customer Advocate at Navient and received the exact same denial response document both times. They are very unhelpful over the phone and claim to not have any answers. They schedule a supervisor to call and discuss but the call never comes. They are unwilling to discuss the disputes I have with the additional charge.
the chevron credit card consumer are over XXXX member ship charging ( LATE PAYMENT FEE XXXX ) IN XXXX BIG HOLIDY PER YEA. XXXX X {$50.00} = {$50000.00} .ENESENCE CUSTOMER PAYING {$50000.00} X XXXX BIG HOLYDAY = {$300000.00} corruption indpend howmany member ship this corruption jus only CHVRON CREDIT CARD DOING THE BIG HOLLYDAY XXXX PLEASE STOP THEM .AND punishment customer services in XXXX
I was trying to make a purchase on my credit card number ending XXXX and it was declined by the bank and I called them and they told me that they will send me a one time passcode to my phone number ( XXXX XXXX wasn't verified and told me I have to wait and didn't give me a time frame and I was unable to use my credit card and the fraud rep was laughing at me and didn't ask for any documents from me or anything I like my ID OR DRIVER LICENSE AND I CANT USE MY CREDIT CARD AND I REFUSED TO PAY THIS BILL AND I ASK FOR A SUPERVIOR AND SHE WOUDNT TRANSFER ME AND I have received calls from the fraud dept 7 times every time I make a online transactions and they are mines and now on XX/XX/2018 I still cant use my credit card
In XX/XX/XXXX, I got an alert from the following company ; XXXX, regarding an amount of {$1200.00}. This showed up again on XX/XX/XXXX after it was previously removed. Because of this, my credit is impacted by almost XXXX points ( again ). 

I explained that there was a name mix up. An individual has the same first and last name and lives in a different state ( I believe it is in Texas and they had a medical bill to pay that they did not pay ). Not clear how the mix up happened. Both Experian and the XXXX are being difficult to work with. Please help! 

Thanks, XXXX
I keep receiving calls from different numbers. They will only tell me their first name and will not tell me the company they work for unless I verify who I am. I looked up one of the numbers on line and it leads to Sunrise Credit Services, Sunrise Credit Services , Inc. 
Address : XXXX, NY XXXX Phone : XXXX
Starting XX/XX/2018 I made online payments through XXXXXXXX XXXX to my TD Bank Credit Card. I used the same payee as I have been using for the past 2 years without incident, no changes from my side. I made 3 transfers, {$2000.00} on XX/XX/XXXX, another {$750.00} on XX/XX/XXXX, and {$100.00} on XX/XX/XXXX. As of XX/XX/XXXX I started receiving calls from vendors I had made TD bank credit card payments to saying my CC was rejected. I went onto my TD bank online account and found the money was never posted. 

Beginning XX/XX/XXXX, 3 days, ago I started making strong and even frantic calls to both XXXX and TD Bank. TD Bank customer service rep I first spoke with told me that " I've been getting calls like this from XXXX customers all day ''. Later I spoke with a supervisor who told me that it was a known issue but that I had to call XXXX. 

XXXX employees contacted their 'back office support team ' and were told on two different occasions that my money was not only sent on the XXXX but SHOWN AS RECEIVED BY TD BANK. Yesterday XX/XX/XXXX they told me that they could not give me my money back ( as TD supervisor had told me earlier that day - go to XXXX and get your money back and then send it again to us! ). XXXX told me that they did not HAVE the money. They then gave me the tracing numbers on the 3 transfers which as you see below I gave them to level 2 support but have heard nothing back.

For two further days I have spoken with XXXX and TD. Though XXXX has been pro-active, following through and phoning me back, to this moment TD has not contacted me once, instead I have to waste close to 30 minutes each call just getting through to the right team and getting a supervisor online. None of which have a clue and just say things like " this is being looked into '' and " this is being worked on. Starting 2 days ago I asked level 2 support credit card support supervisor at TD Bank ( I have names and ID number of at least her - she's very nice and caring but completely ineffectual ). for the following : a. WHO STOLE MY MONEY, I need to know where it is and stop getting the run around. Her answer is only " we are working on that but we were told to tell you to contact XXXX. 
b. I need a letter from TD bank absolving ME of this to send to my vendors/creditors since I am looking bad though I have done my duty to send {$2800.00} which has either been stolen, diverted or lost in the eithers! They said they would request this from Corporate and 2 days later I have not received anything.

c. An explanation of what has occurred, no matter when I am given the money back ( which I of course will happen any day now ).

Just now after another 2 hours bouncing between departments, I was able to find the phone number of the Corporate Complaint Center, I called and there is a machine I left a message.
Monterey Collection said the I bought an XXXX from them electronically, this is fraud and I have told company several times, they tried to get Money from my bank which was a fraud and my bank removed it because they knew it was a fraud, Now since I have been complaining money is add each time to the account from ( $ XXXX ), now I am making a complaint here. I want this off my report and they will lie and say someone else approved it who! NOT MINE. DID NOT APPROVE ELECTRONICALLY LIERS, AND I'M REPORTING TO POLICE DEPT. AS FRAUD. TRYING TO RUIN ME ON PURPOSE. MONTEREY COLLECTIONS I HAVE OFFICIALLY MADE A COMPLAINT AGAINST YOU.
about 5 years ago I had a check that was sent online and when I tryed to use the money I found out it was bogus When I tryed to talk to the bank they shut me off and I was reported to XXXX XXXX XXXX   and they keep blacking balling me to the point I can not open any bank account This is very hard to swallow absolutely no banks in florida will let me open an account and I did not do anything wrong I also would compensation for all the frustrations and because the bank would not work with me and it against the law to blackball a person maybe to their bank but to all I would call deification of character ruining my life
I have notice discover was reporting an fraudulent account in 2017 so while XXXX i been working on removal. discover removed account then all of a sudden they keep changing account number i contact XXXX they stated the open dates all was the same but close dated was different i have paperwork from discover stating removal and accounts all of them was fraudulent
On a daily basis we continue to receive calls from a company named Focus Receivables at XXXX. When we answer, they either hang up or we have to wait until were transferred and request we 're taken off the list, which they say they will do but do n't. When we do n't answer, a recording goes on that says someone else 's name - it 's mushed and says something like XXXX XXXX or XXXX something, and says a case has been filed against this person for dept.
I applied for a Chase Sapphire credit card that advertised an intro offer of {$0.00} for the first year. On receiving the card they charged me {$95.00}. When I contacted them, they told me that in that small window of me applying for the card the terms had changed. Even though the offer still shows on my acct and has been there for many months ( it shows even today ), they will not remove the charge, nor would they transfer my call to past second level to discuss.
XXXX   XXXX ,    2016   Opened Date   XXXX  {$320.00}. I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX   2016 ,  Opened Date.    XXXX    XXXX  {$610.00}. I was told that i was no longer liable for this credit line.
Hello, On XXXX XXXX, 2016 I had approximately {$9.00} in my checking account. On XXXX XXXX an overdraft fee of {$36.00} dollars was charged to my account. On XXXX XXXX there was a scheduled insurance payment to come out of my account to the tune of {$140.00}, this draft did not come out of my account on XXXX XXXX but instead came out on XXXX XXXX when my direct deposit came in.On XXXX XXXX I had a direct deposit of {$720.00} come in at or around XXXX. The bank processed the automatic draft first and than the direct deposit credit after resulting in an overdraft fee. When I went to talk to the bank about this they denied me a refund for the overdraft fee and recommended that I better manage my finances and bill payments. I would recommend that they process the credits to my accounts first before the debits to avoid unnecessary fees. We are a hard working family of XXXX and do our best to make ends meet and can not afford {$36.00} this month due to bills. Any help in this matter will be greatly appreciated and we thank you for your time.
I received a bill from the IRS stating I owed them money that was reported by the XXXX XXXX XXXX XXXX XXXX XXXX for a cancellation of Debt for 2015. Several years prior to this XXXX XXXX XXXX, XXXX had contacted me and made a settlement agreement speaking for XXXX XXXX XXXX XXXX for a private student loan amount that had not been paid on. I made a payment plan with them to pay off the amount. At the end of the pay off I asked what further more needed to be done. I was told nothing that the payments had been met and nothing furthermore needed to be done. I never received a XXXX to give to my account to add to the end of the tax year 2015 for the amount of {$7100.00}. I have tried to find a number to reach out to XXXX XXXX XXXX XXXX XXXX XXXX and have no luck at finding a contact number. Had I have received this XXXX I would have taken care of this 2 years ago before it got to this point. I 'm just not sure where to go from here. I have already contacted the IRS to have them I am researching this and need more time before I pay the {$1800.00} they say I owe because of the new reported increase in my income from the cancellation of debt XXXX XXXX XXXX XXXX says I owe.
I applied at a bank on XX/XX/2016 for a credit card and received an immediate reply dated XX/XX/2016 that denied me the card. The letter from the bank stated, " Our decision was based on the following specific reasons : Not enough accounts opened long enough to establish a credit history. '' As a matter of fact, my credit history includes ; a mortgage for a home which I repaid without any late payment penalties, a checking/debit account held for about 25 years with XXXX bank and with no overdraft penalties, 14 years of paying rent at the same location without a late payment, and at present I am debt free. 
None of this history was requested by the bank when the application was made. Instead, there was a supposed reliance upon a third party to provide the information, so that the very attractive credit card product, that was advertised with many perks, would go to someone with a good credit history. If I do n't have a good credit history then who does? And now it is on my shoulders to prove the third party is wrong. 
It appears to me, that this is a way that the bank can deny accountability for their decisions, and thereby skirt the laws regarding the Federal Equal Credit Opportunity Act by using unwarranted barriers and by not making sincere efforts to actually be specific in their response to my application for a credit card. Your kind attention to this would be appreciated. 
Also, let it be known, that I have now received in the mail, and for the first time, solicitations by another credit card company offering a similar but lesser credit card product. It is questioned, is this a financial form of bait and switch?
The City of XXXX, Texas is attempting to collect " outstanding balances '' owed on traffic tickets. The city indicates that because this is not a " consumer debt '', e.g., a credit card, it may use the threatening collection tactics and communication ( issuance of an arrest warrant, towing or booting vehicles ) as a lawful means to collect. 

The City also threatens forwarding the unpaid account to a collection agency and increasing the balance owed by a usurious interest amount of 30 %. 

The City of XXXX is also attempting to collect debts older than 4 years old, but does not disclose to the individual i the notice letter that the debt may be " uncollectable '' as a result of the expiration of a statute of limitations. 

However, the City is attempting to collect using other threatening means. The City of XXXX argues that this debt is not covered by FDCPA because it is not a consumer debt and has cited federal court authority ( see attached ). However, the vast majority of these individuals face the lose or suspension of their driving privileges, a right and necessity many MUST have in order to work and support their families. Therefore, this action raises constitutional concerns regarding the loss, suspension or deprivation of a necessary right without due process of law..
CHOICE RECOVERY INC I have a a unverified account from. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY INC purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
This was a catalog item that i did not order but paid anyway, thus it should be removed from my reports
XX/XX/XXXX  Monthly payment due ( Amt. {$1500.00} ) as of statement dated  XX/XX/XXXX . XX/XX/XXXX Payment sent via personal banking bill pay for {$1500.00}  XX/XX/XXXX  XX/XX/XXXX  payment was placed in a suspense account due to the {$190.00} XX/XX/XXXX  Notice sent that annual escrow was reviewed and the payment would be going from {$1500.00} to {$1700.00} ( increase {$190.00} ) effective  XX/XX/XXXX .
 XX/XX/XXXX In touch with customer service to inquiry why payment was not applied to the account and to explain the $   XXXX   monthly payment increase when property insurance amount decreased. This process took several days to get addressed. My payments were applied for  XX/XX/XXXX and  XX/XX/XXXX . (  XX/XX/XXXX  & XX/XX/XXXX  ).
 XX/XX/XXXX Received notice from credit bureau that a 30 day late was applied to my credit report which should have not been applied.
 XX/XX/XXXX - Mortgage Loan Statement amount has increased from {$1700.00} to {$1800.00} ( {$100.00} ) with no explanation again.
 XX/XX/XXXX Called in a request to remove the PMI from my account since my loan has met the 20 % equity rule.
 XX/XX/XXXX  NationStar sent a notice determining that since they have the late payment in  XX/XX/XXXX , I can not request the PMI removal for a year.
An attempt was made to open an account at Bank of America in XXXX of 2016. They filed a report regarding the account. It was a fraudulent attempt to open the account. They verified this to me via a letter with a claim number:XXXX.
This is not my debt, and I never owed this money. I have been trying to get this account off my credit report for years. 

On XX/XX/2018 I received a response from XXXX XXXX ( XXXX XXXX XXXX ) stating they were removing this account from my credit reports and it could take up to 60 days to reflect. This account is still showing on my Experian report 6 months later. 

I want this removed from my Experian report immediately
An agent from the company call Me on XX/XX/2018 @ XXXX. No consent was ever given by me to speak to her concerning the debt in violation of the Fair Debt Collection Practice Act. 805. "  Communication in connection with debt collection '' Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

One day before her call, the agent informed me that a letter was mailed to my home address on XX/XX/2018 in violation of 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice The agent I spoke with was both abusive and oppressive with me, and used obscene language to abuse the hearer of her words. I was also harmed with a threat of my reputation being ruin if the debt was not paid in full. In violation of 806. Harassment or abuse 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Early Warning has failed to properly investigate the incident date of XXXX/XXXX/XXXX with the furnisher of XXXX. I 've requested proof of the investiagtion and procedures and never received anything from Early Warning or XXXX. Early Warning has refused to remove the inaccurate information is list in regards to XXXX Account/ Ref # XXXX. I called Early Warning on XXXX/XXXX/XXXX to follow up on the investigation. I spoke to XXXX who gave very poor service and refused to answer questions and decided to hang up on me without incident or providing any level of service. Being that Early Warning is funded by the furnisher of the information Early warning has failed to impartial to the consumers.
I paid {$64.00} for cloth in XXXX using my Debit card, which i have receipt till now. 

After 2 months they send my personal account details and SSN and DOB to collection agency for charging debt which i never owed. Since last 4 years they added {$270.00} with some interest. They are keep sending mail and calling to me. I was not able to find what was the issues, XXXX / XXXX never helped me to resolve this issues. My credit history messed up because this fraud or some kind of illegal process by XXXX. 

I have chat history with XXXX customer support. I want to file case against XXXX / XXXX 

XXXX share my personal identity to XXXX different collector agency which is here below, 1. XXXX - call @ XXXX / fax @ XXXX / XXXX - XXXX XXXX. Northland group - please find attach document 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX | MO | XXXX Tel : XXXX Fax : XXXX Web : XXXX | Email : XXXXXXXXXXXX Regards,
Capital Management called me today on a credit card matter that I thought was taken care of. It is not on my credit report at all. No where to be found. The person first called me at work which number I have never given to anyone but my loved ones and my daughter 's school. He then called me on my cell and started to threaten me by saying rude remarks about how this needs to get paid no matter what the case and the fact that he would pay a bill unlike me. He got very nasty when I asked for a letter when I have n't received any of them from before. He wanted to email it to me but I have rights to receive a paper in the mail. He degraded me about why I do with my day and why I should be taken care of this before. He offered a settlement and I told him I could n't afford XXXX dollars up front and he said most people can. He does n't know my situation nor tried to help. He kept up with the snarky comments and would n't back down. It was to the point where he would n't let me off the phOne until I paid him which I would not do until I figured this out.
I have been threaten with a law suit and I constantly receive calls from Rash Curtis Associates at least 2-3 times a day sometimes 4 and I have asked them not to contact me. 

I did business with an Attorney back in XXXX and he was fully paid. I received a notice from Rash Curtis Associates in XX/XX/XXXX, alleging I still owe the firm that is no longer in practice a debt of {$18000.00}. The notice states the debt was for services rendered on XX/XX/XXXX which is more than 7 years old. I also advised the rep that I paid the debt in full. 

He agreed it was paid in full but told me I was late on my payments to the firm and the balance of {$18000.00} is the interest that has incurred.
I wrote a validation of debt to company. Sent certified mail on XXXX/XXXX/XXXX. Debt Recovery Systems received certified mail on XXXX/XXXX/XXXX @ XXXX. Failed to receive validation of debt from said company. Debt Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).