WillisBack/dataset-financial-user-claim huggingface dataset:
During XXXX and XXXX I purchased items through online venders. These hobbies are highly technical and required exact part specifications be sent. Often these products were either misadvertised or came in a different condition than described. Because of the frequency of this, it created a witch hunt of sorts on all levels it seems. I exercised or tried to exercise my rights to the best of my ability to challenge and dispute these with Branch Banking and Trust, BB & T. I went into the XXXX maryland location on XXXX and another on XXXX maryland. This is well noted that both XXXX XXXX and XXXX XXXX run/attempt to manage these locations. They are strong characters in the community, strong enough they are above the rules and assisting customers with complex issues. I have banked with BB & T for over 12 years, this has tarnished my relationship, causing close accounts and personal distress. I go in several times and try to get/give information relating to the claims opened in both XXXX and XXXX. It has been over a year and I am still fighting with this branch on all levels, while my original questions relating to the claims remain unresolved/unanswered, but not lost in the mix. They keep trying to group my several issues that they are creating over and over, its been going on for over a year, I wish I was allowed to wiretap the treatment. It is clear they are creating problems to confuse, complicate and distract from each individual issue to discredit me. I am telling everyone I know in the community with your names as well of those causing these issues, the whole community knows now and agrees. 

*What is needed from BB & T relating to all my claims/disputes opened in XXXX and XXXX is the following for each : *The letter is to include the following : 1 ) Date claim opened. 2 ) Company the claim was opened with. 3 ) The claim amount. 4 ) The status of each and when opened/closed. Please provide this to me in letter format. Please also send this information to the appropriate departments internally. This is/was my clear request on today 's call. Please provide me that letter answering the above after forwarding to the correct departments. 

*Please send the above to the company, as I have tried other steps with no remedy. Please also send a copy of this entire complaint and all future responses relating to the physical address on file through conventional mailings. Having a hard copy of this information to read in print is my clear request, as it greatly aids in my XXXX. This unique issue has never been addressed. I need this information or eventually it will be argued and demanded in costly legal trial through discovery. It 's been an unreasonable amount of time. The whole time I was XXXX they only got meaner, eventually XXXX and closing my accounts in my vulnerable time of need. It will never be forgotten. You are all personally liable, there is no plausible deniability.
I have sent XXXX letters to each Credit Bureus and the only to reply finally after three months was Equifax .... and it was n't even with reports ... I have asked repeatedly to verify the information on my reports to no avail, I need for you to investigate why i am not receiving any reply
I have been contacted multiple times over the last nine months by Exeter Finance Corp of XXXX Texas about a debt I do not owe to them. They have me confused with a person with a similar name. I have been in contact with them on five occasions and each time they assure me they have solved the problem and I will no longer be contacted. I have filed XXXX complaints and have XXXX emails from this company indicating that their harassment of me will stop and can provide them if desired.
This claim is towards Experian ; XXXX. XXXX XXXX, XXXX, TX XXXX. I have tried multiple times contacting Experian that the account XXXX XXXX XXXX is due to be deleted from my account XXXX XXXX, They " Blocked '' me from disputing this account online saying that they were n't going to review it again when " CLEARLY '' they are in the WRONG!! They should not block customers from disputing items especially when they do n't " SHOW '' any " PROOF '' of their findings. They are so " QUICK '' to say that the account is " VERIFIED '' but they refuse to show you how the account was verified. That action in itself is " POOR '' business. According to a credit  report that I have from them it says the account is due to come off XXXX XXXX. The other two credit bureaus XXXX XXXX XXXX XXXX XXXX have already deleted the account but Experian refuses to.
Last month, in XXXX 2015, I applied for credit at Conn 's in XXXX XXXX, Texas for a new TV and entertainment stand. I attained the products and received my payment booklet a few weeks later. 

On XXXX XXXX, 2015, I purchased a money order for {$37.00} for my first payment. I was not able to mail it off that day. 

On Sunday, XXXX XXXX, 2015, I received a call from Conn 's saying that my payment was late. I was told that it would be due on the XXXX of the month, by the store sales rep. My booklet indicates that it is due the XXXX of the month. 

The woman told me no, that it is due the XXXX. I told her that I would put it in the drop box that day, but, due to Monday being a holiday, the postal service wo n't pick it up until Tuesday. She was nice and said she 'd document that on my account. 

A few hours later, I got, yet, another call from Conn 's about my account. I was stunned to hear that, until my payment is processed, they would be calling me DAILY. I said, no, they would n't. I received no other calls that day. 

Monday, XXXX XXXX, 2015 I received NO LESS that XXXX phones, along with a text message AND an email about this payment. Unfortunately, I deleted the email and text, but, have a screenshot of Conn 's acknowledgement of my request for stopping text notices. 

I called back and spoke with another person and told them NOT to contact me again today, tomorrow, or any other day, as this is harassment. I also informed them of my intent on filing this complaint. I hope they do n't attempt to contact me again.
the company violated the fair credit reporting act. the company is reporting 3years after the debt originated. this is an blatant attempt to disregard the FCRA and keep it on my credit.
I have asked repeatedly to have this item removed from my credit reports. It has not been, other than verified and it does not belong to me, nor have I received any correct documentation that it does. When I called the number they harassed me and would not answer my questions other that repetitively asking me to pay the debt that does not belong to me.
This collector keeps calling me 7 times per day since XX/XX/2018 and has never left a message nor has sent a debt validation letter showing where I owe a debt with them. This collector is in violation of the FDCPA laws and regulations, if they continue with these types of calls, I have phone records of each call placed and will be getting an attorney and taking legal action against them. This needs to stop and the constant calls are really stressing me out right now and this last call I just got 10 minutes ago has really gotten me fed up. Please let them know not to contact me ever again by phone
We applied for a mortgage modication through our mortgage company. We sent in applications for XXXX type of modifications. XXXX application was through the HUD website and the XXXX was from the mortgage company. XXXX were rejected for additional information which was the whole modification package plus more information. It was very clear we were getting the " Run Around '' They told us the application was blank in certain areas and items were missing. The application was not blank and was scanned and emailed to the mortgage company as well as sent by priority mail via the post office. We completed alot of paperwork spending hours of our time. We bought printer ink, printer paper, stamps for priority mail and spent our precious time completed XXXX documents for this modification. We kept copies for our records. We do agree with a few minor math issues but it was clear to my wife and I that 360 Mortgage was running us ragged. Wasting our time and telling us we sent them blank applications. Of course we did not send in blank modification applications. We have decided not to send further paperwork until we speak to an attorney. It is clear they have their own motives for delaying us with requests for documents that were already sent. We are very unhappy with this treatment and wish to file a formal complaint into their business practices.
XXXX XXXX XXXX is currently reporting on my Equifax credit report as a secured loan. This is not a loan it is an XXXX XXXX ( XXXX ) account. Additionally, this account is showing as delinquent in XXXX, XXXX, and XXXX. However, the annual XXXX fee was paid on XX/XX/2018 in the amount of {$500.00}, which is the due date for the 2018 XXXX. I am not sure where the alleged past due amount ( {$170.00} ) is coming from. The only balance I have with the XXXX is for fines related to a dispute regarding covenant violations. As outlined in the new rules under the National Consumer Assistance Plan, the credit reporting company should not report debts that did not arise from a contract or agreement to pay. That is the case with this account. I have attached supporting evidence to show that the XXXX annual fee has been paid and additional discussion with the XXXX attorney/company disputing the fines.
On XXXX XXXX, XXXX I contacted Citibank XXXX to inquire about a closed credit card account I have been paying on. I have been on a special program under Citi since XXXX XXXX. At that time Citibank offered me a retiree on a fixed income ( which the bank has no respect towards ) a ludicrous settlement offer of paying {$170.00} a month. That was it! I started paying but later could not. Citi then offered me a plan ( which they could have at first ) of paying {$70.00} between XXXX XXXX to XXXX XXXX. In XXXX of XXXX another settlement arrangement was agreed where I had to pay {$70.00}. This still holds true today. 

In XXXX XXXX I requested an interest to settle the account, but was informed a settlement option was not available because the account is enrolled in a Balance in Full payment arrangement program. These programs are suppose to be offered at a discounted amount on the balance, but Citi has created their own policy and would rather dry your pocket of every cent.Fast forward to XXXX XXXX, XXXX inquiry about the account. I was informed that the account is 169 days past due. A closed account past due? The banking rep stated that the account though technically closed, really is no, t according to Citibank policy. No laughing matter but I see why Citi gets into trouble due to their malfeasant banking polices of " soaking '' as much money out of the consumer as they can!
A group on XXXX created a group. I realized that it was a pyramid scam. I sent them money in hopes of getting more back. I did n't not receive any money in return and they will not send my money back.
I was XXXX for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX. I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX  Below is the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date opened XX/XX/XXXX Account CollectionsXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ) XXXX Status : Charged off as bad debt Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO
For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters since XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have XXXX repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX finance is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business XXXX XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.
I received a call from American Express about XXXX XXXX 2016. The agent asked me if I had applied for a credit card. Turned out American Express on XXXX XXXX had issued a card in my name to an unknown ( to me ) individual in XXXX. The person had already expended {$2000.00}. I also checked my XXXX XXXX Account and noticed a credit card had been issued to someone other than myself. It had not yet been activated so was cancelled. Again, I had not been contacted regarding the address different than the one on record at the bank. 
Obviously my personal information has been stolen and I am taking necessary identity theft procedures. My main issue American Express and XXXX XXXX is the fact that they issued cards to an unknown in my name at a XXXX address when all my address and all my contact info is in XXXX without contacting me. The American Express person could not answer the question but told me the card would be cancelled and credit agencies would be alerted regarding my credit. I have filed police reports and complaint to FTC.
A debt collector called my in-laws looking for me and my wife. I don't know what debt they might be talking about as we are currently making payments on several accounts that went past due. 

The debt collector told my in-laws to have me or my wife call a number. They gave my in-laws the number. When you call the number a recorded voice clearly identifies the number as a debt collection agency location service. The number they gave my in-laws is XXXX. My in-laws called the number and now know we are battling a financial problem and trying to get our debt straightened out. 

We called the company and fixed the problem with our account. We also asked them why they called. They claimed they just called numbers listed on the account. We told them that regardless of the number on the account they shouldn't have provided my in-laws with phone number to a debt collection agency. For example, my kids could answer my cell phone. That doesn't give them freedom to tell my child a debt collector is looking for me. They completely disregarded our concern and demanded payment on the account. 

They removed all 3rd party contact information from our account but before they did we confirmed that they had a hole slew of numbers that our not mine or my wife 's. For example, they had my wife 's ex-husbands number and his mother 's number as contact numbers for us. My wife divorced him over 10 years ago and neither he or his mother are people we associate with positively. In fact, we are in a custody battle with him because I am trying to adopt my step children for which he is the biological father. The last thing we need is them knowing we are also having financial issues. The company would not confirm whether or not they had called any of the numbers we had them remove from the account.
XXXX 2014, my spouse passed. He had a open auto loan with Chrysler Capital. Upon his passing, I submitted the payoff amount, his death certificate and other documentation for their records and requested any overpayment be refunded to me. The payment received exceeded the balance owed. A check was issued back to my husband in which I could not deposit or cash. I 've had constant contact with Chrysler Capital for a year with hopes they would refund me the overpayment. They will not comply. They told me they can only refund the money to my deceased spouse or I need to obtain an executor of estate order. I 've spoken with legal counsel and was told due to the amount, a non-judicial affidavit would suffice or take them to small claims court and sue them for more than they owe for the extra heartache they are causing. The amount owed is {$320.00} which is n't worth court cost and proceedings to become executor. I 'm a widow just seeking what is owed to me. I did not have to close the account, I could have allowed the car to be returned as a repossession. Chrysler Capital does not value their customers.
XXXX XXXX had debt on my credit report submitted validation letter plus XXXX complaint finally got the XXXX XXXX off my report now I get alert that XXXX XXXX XXXX is on my report for XXXX XXXX never once did they send me anything I dont even know who that company is Im also in Ohio where they arent able to collect without license the XXXX account was for {$610.00} would like for this to come off my credit report since I thought it was off already since origanl debt couldnt validate it
Im trying to fix my credit and this judgement t fron calvery portfolio shows up and the credit counseling company im working with has dine research and called calvary and they cant find nothing under my ssn. Also XXXX police served me a letter and had a warrent for my arrest and inpaid them {$300.00} to no get arrested and i webt to court told them it wasnt me and they told me they were going to investigate and i never heard back from them. I really need this off my credit as soon as possible thank you.
XXXX reported I had not paid an equipment return fee and the last payment. XXXX tried to collect it. I called them twice and on XX/XX/XXXX I sent them the receipt from the return and bank statement with last payment. Now they have sold it to Franklin Collection Services and they sent me a letter saying are trying to collect the same debt for the exact same amount. I just disputed the last bill also with them under the same circumstances. Apparently XXXX broke the return receipt and the last bill into seperate accounts and now the collection agencies think they are both delinquent. I have bank statements for the exact amount and the original receipts from the equipment return and I have sent these and faxed these and they are ignoring me.
Below is a transcript of the messages I received, Hi this is XXXX from America debt I'm a debt collector ID number XXXX and this is an attempt to collect a debt and any information obtained will be used for that purpose you can reach me at XXXX or you can chat with me online at America ______ paid com I a.m. in the office Monday through Friday from XXXX XXXX to XXXX XXXX and Saturday from XXXX XXXX to XXXX XXXX again I a.m. a debt collector with the mayor _____ at XXXX if I have the wrong number please feel free to give me a call and let me know thank you Ive been contacted on multiple occasions both recently and also about two years ago. I thought the incident back then was a mistake. This is somehow connected to a security breach at a former employer of mine, XXXX XXXX XXXX. Theyre attempting to collect on behalf of a clinic for a pre-employment drug screening and when I mention XXXX they always want to end th call and apologize.
Citibank is promoting a bonus offer with the opening of a new checking account. The terms state the bonus will be deposited within 90 days of completing all requirements. I have completed all requirements but have not received the bonus. It is well past the 90 days since I met all requirements. I am submitting a second complaint as Citibank requested my original complaint be retracted.
Client Number XXXX - Issue refinance to a low rate. Current rate 5.6 % Blocked from refinancing my home. Last year sold and investment property and paid down XXXX worth of debt. My credits score was at XXXX. For the last year I have paid all bills on time. See my credit report. My credit score is at XXXX. NO REASON. XXXX said serious delinquency on bills paid in 2011.
I informed Santander Consumer USA on XX/XX/XXXX, that I am in the process of filing bankruptcy but have continued to receive multiple phone calls. I contacted them again in on XX/XX/XXXX, and told them to please stop calling me as I am currently filing bankruptcy but they have continued to call. Santander Consumer USA has placed at least 79 calls to me 3 times per day using 3 different phone numbers since XX/XX/XXXX. Santander 's harassing and aggressive behaviour are one of the main reasons I've decided to file bankruptcy as they refused to refinance or lower my monthly payments.
We have a loan from Bank of America for our home. Total house price was {$45000.00} and we have made some baloon payments and the loan balance is only {$29000.00} or less. 
For all the property taxes of 2015, we have paid all the taxes to the taxing authority on XXXX XXXX, 2015. We had personally been to their branch office and met XXXX XXXX XXXX and given those receipt copies. I had also sent an email to her asking her not to make those payments. I had also paid all the escrow account due on XXXX XXXX, 2015. 
Escrow account is only meant to cover any and all the taxes paid by BOFA. Now there is no taxes paid by them and they have refused to accept it and asking for the payment of escrow account. I should be responsible for the payment of principal and interest in the amount of appx. {$550.00}. Instead of that they are threatening us to foreclose on the house. Also we have paid in escrow account a total of {$38000.00} or more and they have paid out only {$32000.00} or so. I have asked for more than 30 days ago for the account details and I have got no response on that. My loan no is XXXX XXXX. My cell no is XXXX XXXX XXXX.
I sent out letter for each credit Buerau to send me verification that the negative accounts on my report and all the hard iquries that I did n't not authorize to be removed it has been more than 60 days XXXX is reporting frontier it 's not mines I ca n't utilize that service in my area, XXXX and transunion are reporting late payment for XXXX XXXX never late please correct or show me verification, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all need to be removed it has been going on months with no prove or validation that these accounts belong to me or the hard inquiries I 'm going to contact the BBB NEXT and than sue