WillisBack/dataset-financial-user-claim huggingface dataset:
Walmart MasterCard, through XXXX XXXX, put me on paperless billing on a 'trial basis ' for one month, without my permission or agreement and I was unable to find the place on their website to opt-out of the trial. When I missed my monthly payment date, they not only charged me interest, they also charged me a late fee. I always pay my account in full every month and having them do this without my permission was very very upsetting.
I received a call from Integrated Recovery Services about a pay day loan that they were trying to collect on. XXXX XXXX and XXXX XXXX both called me on my work phone and told me that if I did not pay I would be arrested this Friday, and this would be a felony. I tried to make a payment arrangement but they started to make fun of me and continued to say I would be arrested. I am filing a complaint and and willl also be contacting the Texas Attorney General in reference to this matter since it is a violation of State and Federal law. I am also requesting that this company no longer contact me because of their deceptive trade practices.
This is a closed acct with a XXXX $ balance you cant collect on a XXXX balance also this account has been sold or transferred ... Iam also a resident of Florida per Florida statue of limitations you can not collect on a debt over 4 yrs old!!!! Please delete off my XXXX and Experian credit report!!!!
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. - 30 days late 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 that my monthly statement did not get to me.
Have had this credit card for over 1 year, made all payments on time and usually above minimum due. Recently made XXXX dollar payment well above what was due just to catch up on balance. At this point had 600 plus dollars available credit on this account. Went to use card and was denied at gas station. Called TJ MAXX CREDIT CARD and was told that over night they decreased my credit limit and had no reason that they could come up with as to why this happened. Was completely blind sided by company I thought I was in good standing with.
As a formal inquiry into the case of the United States v. Toyota Motor Credit Corp. ( XXXX. XXXX. ) Which came to my knowledge about six months ago. I feel as though I have been one of the victims of Toyotas ill practices. I am writing this letter to restrain advantages taken upon me being that I am older and of minority descent. In XX/XX/2014 I financed a brand new XXXX  XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXXXXXX, XXXX located in XXXX, NY. I believe I was unknowingly taken advantage by Toyota since I am liable for, in total, XXXX for a vehicle which at the time costed {$35000.00}. I ponder upon the fact that Toyota knowingly inflated my interest rate because of my ethnicity. I don't think this is fair as I, like many others, is a hard working individual. It is frightening to think that a big corporation such as Toyota would take advantage of individuals of minority such as myself. I would greatly appreciate some feedback on this matter.
I have no recollection of this collection. ARS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
On XXXX/XXXX/2015 I filed a proper dispute on an unknown medical account with Equifax. On XXXX/XXXX/2015 I received a response to my dispute stating that they have researched and verified the collection account with XXXX XXXX. I then contacted the XXXX XXXX with a dispute and request for validation on this unknown medical account as per instructions from Equifax, re-disputed to Equifax with a copy of my dispute/validation letter to the collection agency, along with proof of the agency 's receipt of the dispute, which they received on XXXX/XXXX/2015. On XXXX/XXXX/2015 Equifax responded with an improper/incomplete dispute verification and have not delivered any proof to me as requested. I have not received any validation from XXXX XXXX. Equifax 's refusal to properly investigate the dispute is a violation of the FCRA and FACTA. Equifax has also failed to denote this account as in dispute. Equifax is the only credit reporting agency that is erroneously reporting this unknown account on my reports.
I opened a checking and savings account in XX/XX/2018 that had a {$400.00} promotional offer if I kept {$15000.00} in my accounts for 60 days. The money was deposited on XX/XX/2018 and I should have received the bonus in 90 days when the terms was met on XX/XX/2018. It has been past the 90 days and I have yet to receive my promotional offer. I filed an appeal XX/XX/2018 and it still has not been resolved.
Today ( XX/XX/XXXX ) I received a XXXX Envelope from Citi Mortgage which clearly attempts to raise doubts/worries for the consumer ( me ) to get me to apply for a Home Affordable Modification Program, including a request for a copy of my tax return ( form XXXX ). The XXXX page of this package refers to this as an " Urgent Notice '' with " All REQUIRED documents being due XX/XX/XXXX '' and implies that it is needed so I can " avoid foreclosure ''. Since I am on auto-pay to Citi for my mortgage, and am up to date on payments, I found these scary tactics completely unwarranted and clearly falling into the category of deceptive business practices. My current loan balance is in fact for less than XXXX of the current property value for which I have a Citi loan, and if needed, I could pay off the loan in full from my retirement savings. Also my mortgage with them is a long-standing loan and I SHOULD be in good standing with Citi Mortgage. Note that this is the XXXX time in the last year that my experience with Citi 's business practices could be characterized as not befitting a major lending institution. This makes me wonder why in the world we taxpayers have bailed out businesses that continue to operate near the margins of legality. Pleas note that your categories for multiple choice items are limited, and so my ability to pay is not at issue ; what is at issue is Citi Mortgage implying/suggesting that there is a problem with my ability to pay.
I have attached all the documents regarding my dispute claim against M & T Bank with respect to mortgage account number XXXX. 
Please be advised that I was never made aware, either by M & T representatives, whom I was in constant daily telephone contact, or the home appraiser, that I was responsible to pay the cost of {$38000.00} for the home appraisal. I only became aware of the charge the following month when I saw the charge added to my monthly mortgage payment. Since then I have been approved for a reverse mortgage and the balance of the mortgage loan has been paid off, and the service fee charge for the home appraisal was added to the paid off amount I want to be reimbursed for the unauthorized charge. Please let me know I you require additional information, if not please process my claim against M & T Bank As Soon As Possible. Thanking you in advance. 
Sincerely XXXX XXXX
My credit report shows a negative collection/chargeoff from XXXX.This account was paid and closed on XX/XX/XXXX. The full balance was paid. XXXX still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/XXXX.
This is an invalid debt and I am requesting help to resolve this matter. I have been receiving calls and have received 3 letters in the mail regarding this invalid debt, see attached documents. The dates of the letters were : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is illegally calling me and sending me fraudulent paperwork regarding an invaliddebt. They have violated the Fair Credit Report Act by attempting to collect an invalid debt that is past the statute of limitations. The original debtor is Capital One and the debt is from XX/XX/XXXX and was cleared from all three of my credit reports in XX/XX/XXXX. The amount owed is incorrect, I do not owe this debt.
They are also breaking laws and calling and harassing me several times a week even though I clearly
told them the debt was invalid and to place me on their do not call list. They repetitiously call and annoy me several times per week, see my list of numbers and dates below. Whenever they call they never identify themselves and I have to blatantly ask who is this? Calling from where? It is causing emotional duress and I suffer from XX/XX/XXXX as well. Here are some of the dates and numbers they have called from : XX/XX/XXXX ( Thursday ) XXXX XXXX XXXX XXXX . ( XXXX ) XXXX XXXX XXXX, CA XX/XX/XXXX ( Tuesday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Thursday ) XXXX XXXX ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Monday ) XXXX XXXX ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX/XXXX/XXXX ( Monday ) XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Wednesday ) XXXX XXXX , XXXX ( XXXX ) XXXX XXXX , TX XXXX/XXXX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MD XX/XX/XXXX ( Monday ) XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Saturday ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO XX/XX/XXXX ( Friday ) XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Saturday ) XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Thursday ) XXXX XXXX , XXXX ( XXXX ) XXXX XXXX , IL XX/XX/XXXX ( Thursday ) XXXX using some man 's number when I called back to verify ( XXXX ) XXXX he has been getting scam calls too and we have no idea how they used his number XX/XX/XXXX ( Friday ) XXXX XXXX ( XXXX ) XXXX XXXX, OH XX/XX/XXXX ( Monday ) XXXX XXXX using man 's number ( XXXX ) XXXX XXXX/XXXX/XXXX ( Friday ) XXXX ( XXXX ) XXXX tried to call back but just busy signal I am requesting help resolving this matter as quickly as possible. I wish to no longer be contacted by XXXX XXXX XXXX, XXXX regarding this invalid debt via phone or mail. Thank you for your help.
My Current PayPal account is XXXXXXXXXXXX this account has {$170.00} available funds ; Opened in good standing since XXXX XXXX. Account limitations have been placed on this account and it has been completely frozen I 've been told misinformation as to why my account is limited. I 've spent hours on hold and on the phone only to get nowhere. They just repeat themselves, transfer you and repeat them themselves, than put you on hold until you 've been on the phone an hour only to be disconnected.. 

FIRST THEY said my account is limited to customer complaints of not receiving merchandise.. Than they said its because on another account from XXXX that is negative. So when I get contradicting statements witch which is clearly evident in the correspondence sent by PayPal. Every response shows contempt to answer any of my questions I do n't know what to do or believe. They keep ignoring my question and repeating XXXX of XXXX scenarios. I 'm sending you everything I 've got so hope you can make sense of it and help me regain access to my account and my funds.. I really need that money I 'm behind on my XXXX XXXX credit card now thanks to PayPal stonewalling me.
XX/XX/XXXX, received NetSpend Visa Prepaid Card as a gift XX/XX/XXXX,  contacted company to activate card. After going through the long process to activate, I was told that if I used the card as a " debt '' which I would have to, they would charge me {$2.00} for putting my pin into the machine. If I used the card with a " signature '' which I did not understand since you have to put a pin in for a debt card I would be charged {$1.00}. So this {$20.00} gift I received would only be worth {$18.00} or {$19.00} dollars. My benefactor had to pay {$2.00} to purchase the card and then I would not get the full benefit of her gift because the company would be taking fees. I told the company that I wanted the {$20.00} and they said they could send me a check in 7 to 10 business days. 
XX/XX/XXXX, I contacted the Department of Banking and Insurance in New Jersey and was told I have to contact the Federal Trade Commission and I asked for a telephone number. The number I was given was for a drug crisis center. Thanks, New Jersey. 
XX/XX/XXXX, I contacted the CFPB and was treated with respect and kindness. Thank you CFPB.
On XX/XX/XXXX ( Time XXXX EDT ). I XXXX XXXX, submitted an on line dispute to XXXX  disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX   XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

Sincerely, XXXX XXXX XXXX
This is my second time I have to ask you for help. Cooling & Winter is not responding to any of my communication again letting me know what the pay-off balance is. I have called several times and asked them to call me. I have also e-mailed several time and again no response. Cooling and Winter LLC web payment site still shows that I owe over {$1200.00} even though I should be done making the payments ordered by the court. I am worried if I stop paying they will try to pull that I owe all the money because that seems to be there practice not responding and demanding full amount.
I have a XXXX XXXX through XXXX XXXX ( XXXX XXXX ). There was a data breach at the company that caused them to want the card frozen. Unfortunately, and through no fault of my own, their computers never shut the card down and I was able to continue making purchases on it. One day, after checking my account details, I noticed purchases having been reversed. In addition, there was a 60-day delinquency being reported. 
I called Customer Service with regard to the matter, and a manager named " XXXX '' called me back the next day. He explained that, in their error, the card was never shut down as they wanted it to be. A new card had been sent to my old address and returned to them as undeliverable. XXXX assured me that all would be taken care of. They would send me a new card, to my current address, and would also remove any and all derogatory information sent to the credit bureaus. This was in XXXX. 
Last week, around XXXX XXXX, my credit monitoring notified me of another 60-day delinquent notice that had been sent to the credit bureaus. In addition, an " over the limit '' indicator was there. This, combined, caused a XXXXpoint decrease in my score. 
I called Customer Service and they reiterated the conversation I had with XXXX in XXXX. It was confirmed that I had faxed in the necessary information to have the new card sent. However, I was told that they would need to confer with XXXX related to any reversal of late fees and also any removal of negative information to the credit bureaus. 
I was told XXXX would call me " right away '' but no word from him at this point. XXXX XXXX indicated this was their error and they would be happy to fix it.
Even with a FTC Identity Theft Report and a police report. Transunion will not delete these accounts. I was told they couldn't block it. I have done everything in my power and by the law to get these accounts removed.
Hello dear Cfpb I am writing to assist me to fix this problem with state farm bank credit card. I made payments {$4900.00} and payment was returned because my bank wanted to verify payment. My state farm bank credit card was placed on hold and i received phone call from Bank Verification department agent her name was XXXX XXXX and she was asking me to go State Farm Agent office to verify my identity and since i am working i can not go to agent office, I ask her to give me other option to verify my identity but she refused and also she told me i can not make a payment and do anything with this account until i verify this account, I asked her can i speak to supervisor she also responded she can not ask her supervisor call me until i go to agent office. But its really important me to make payment because if i do not make payment my account will be late and my credit will be ruined. I have this account since very long time and i made from same bank many payments and all charges are valid and account is Valid. I am asking CFPB to assist me so i can make a payment to this account please. Thank you Very much
This is to inform you that SLS is charging me fees that are not mentioned on modification agreement, attached you will find statement from XXXX showing amount we agreed to, I understand that scow amounts can change every year, but a month later they sent a statement showing a different amount than he had agreed to. please find attached, modification agreement sign by both parties, XXXX statement, and XXXX statement showing different amount. thank you
The company of Calgary SPV I, LCC are try to collect on an expired debt, the original date of despute of the credit card debt is XX/XX/XXXX. Original debt was with XXXX credit card. No attempt to try to collect the debt thru court action was made until XX/XX/XXXX.The company is now making a false statement that I paid a payment of {$25.00} which would change the status of the debt from expired to current and they are now filing to garnish my wages ... ..no such payment was ever made.
I had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against XXXX, XXXX  Experian and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.
BBVA has erroneously posted an auto loan under my social security number and has caused significant damage to my credit report. On XX/XX/XXXX I notified BBVA customer service that an erroneous entry on my credit report showed an auto loan that I did not have. After several phone calls to BBVA they promised a call back but never did. On XX/XX/XXXX I called BBVA offshore customer service ( in XXXX ) which they advised they had confirmed with the auto dealership where the loan was opened, and that the social security number was correct. I knew this was not true, so I asked the rep for the name of the dealership where the auto loan was opened. The BBVA rep gave me the information and I called the dealership and spoke to the finance manager. He confirmed the Social Security was miskeyed by BBVA. I then called back BBVA and advised them of my investigative findings. BBVA promised a call back and I never received one.  Last night the rep stated that I should just get a lawyer, which is a horrible response to solving this problem. I would like to file 1 ) complaint regarding the issue with incorrect SSN displaying on my credit report 2 ) I would like to file a complaint to your executive managers regarding the false investigation that was conducted on your part. 3 ) I would like to file a complaint to your executive managers regarding every representative who promised to call me back but did not. Per FCRA law the item must be removed from my credit report immediately. The customer service that I received from this bank is horrible. All calls are contracted out to a call center in XXXX, and their customer service skills are horrible. I am not even a customer and I am glad I am not.
On XX/XX/2017 someone fraudulently used my Debit Card Number and Pin at a Chase ATM and withdrew {$200.00}. That same night I noticed the withdrawal, after knowing I did not use an ATM that day, and immediately reported it to the Chase fraud department. After reviewing my case, Chase responded to me that it was not fraudulent activity, and gave me 3 reasons : They used my Pin, my Pin was used successfully the first time, the location was at a spot within reasonable distance from my work. 

I called back and escalated this issue, knowing I had been robbed and someone else had my account information. Still, Chase has decided to not refund my stolen money. After looking into the matter more, I asked a Chase representative to give me the timestamp of transactions for that day. I was advised that the ATM withdrawal was done at XXXX. I asked when my purchase at XXXX XXXX was made, and was told XXXX. After looking at the differences in time, it is absolutely impossible that I could get from the bank ATM where I was robbed to the XXXX XXXX location where I paid for lunch. This proves I had the card in my possession and it was not myself that withdrew the money. Still, Chase has refused to refund my stolen {$200.00}.
I have received innumerable telephone calls, and numerous letters, regarding payment of a " debt '' I have no knowledge of and no involvement with the alleged creditor. 
I have repeatedly told the debt collector I do not owe a debt, and remind them that IF I did, they acknowledge the statute of limitations has run ... so I would n't pay it anyway.
I have been a customer of Citizens Bank, ( branch office in XXXX, Ct, ) for several years. Since inception, I have had ongoing issues concerning late fees with all three of my accounts ( account numbers listed below ). I make payments electronically via XXXX  XXXX XXXX and arrange for payments to be made on the scheduled due date. The checks are delivered per XXXX XXXX XXXX but invariably are not posted to the respective accounts for up to 5 to 7 days later. After many conversations and requests to have fees waived which have been honored I was refused a request today when I have called to inquire once again as to why charges were assessed. It appears that the back office processing of payments consistently is late resulting in fees being charged. I have spent numerous hours and patience on calls etc. Since this not an issue with any other accounts that I pay through XXXX XXXX I have concluded that this issue is one which is done with the intent to defraud the customer. I would be curious to see how much revenue is generated via late fee assessments and how many fees are assessed to the customer base. I have today made payments to close two credit card accounts and will arrange to close my Equity Line as soon as possible. 
Thanks for your assaistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX Account # XXXX ( XXXX XXXX XXXX ) Account XXXX ( equity line ) Account # XXXX ( XXXX XXXX )