WillisBack/dataset-financial-user-claim huggingface dataset:
Vinci Law Firm called me this morning and I only know they 're a debt collector because I called back. In my initial contact with them, they asked for me by my legal name ( which I only use for strictly legal matters ) and when I asked what this was about, they refused to tell me so I said it was me. Then they demanded the last 4 digits of my social security number to `` verify '' it was me. When I tried to get the information anyway, they insisted and when I refused, they hung up on me. 

I called back moments later and demanded to speak to a supervisor. I was put on hold for a minute and then redirected to a voice mail. I told them to stop calling me, I know they have to disclose why they 're calling, and they ca n't verify by asking for my sensitive information like my social security number.
Not given any reasonable options when unable to make payments, including lowering payments, or extending deadlines.
I recently checked my credit report and saw that there was a fraudulent inquiry from FIRST ADVANTAGE/XXXX XXXX  on XX/XX/2016. This company was not authorized to pull any information from my credit report.
My Acount make my creit score very low I think I should have good Creit by now
XXXX/XXXX/2015 took my daughter to XXXX XXXX XXXX ER. She was seen and discharged. A year later, when trying to refinance my house, I see a collection account from ARC Management Group ( biller for XXXX XXXX ). I called to find out which account the collection was regarding. I was told that my daughter was not covered under my insurance at the time of the ER visit, so I was deemed a " self-pay '' ( meaning I had no insurance ). I assured them I did have insurance and my daughter has had insurance since the day she was born. The hospital submitted and got paid for that claim ( I have documentation to prove payment ), so that further proves my daughter was insured. I call my insurance to verify that there had been no lapse in coverage and they confirm ( I have documentation to prove coverage ). I called ARC back and am told they tried on several occasions to call my insurance company to verify coverage. My insurance company keeps track of any attempts to verify insurance and had no calls from ARC or XXXX XXXX. I have tried numerous times to explain that this was not my fault and that they should have submitted the claim to my insurance. The time to submit a claim has expired since it is over a year. The credit bureaus are not helping me get this removed from my reports. ARC Management group placed me in collections 2 days after the ER visit. They say they attempted to send me notices which I never received. I do n't know where else to turn. Thanks.
This complaint is regarding Shellpoint Mortgage Servicers. In 2017, my loan was transferred to another lender away from Shellpoint and Shellpoint refuses to update the " Payment Status '' of this account from " 120 day past due '' to " Account Sold or Transferred to another Lender ''. The account is NOT 120 past due or delinquent, as Shellpoint is no longer the holder of this account. This account should reflect as paid with XXXX, XXXX, XXXX. I have placed a call into Shellpoint about this issue and spoke with Customer Service who confirmed that she was sending an email to a Shellpoint Supervisor to request for this information to be updated on my credit report. This was not done as promised. Hence, I am filing a complaint. I have disputed the information with the 3 credit bureaus and the results came back VERIFIED, which is incorrect. I'd like written proof of what the verification process was to verify that this account status was correct. This account needs to updated accurately or removed from my credit profile immediately. Thank you.
On XXXX XXXX a non Chase ATM withdrawal was made for XXXX $ with additional XXXX $ fee plus another XXXX non chase atm fee was made without my knowledge. On XXXX XXXX i made a check deposit when i first became aware of that ATM withdrawal in addition to another new XXXX $ non chase ATM withdrawal with again XXXX fee plus another XXXX non chase atm fee. Both ATM transactions were not made by me. Nor did my debit card leave my possession. There was an address listed for one of the ATMs used on XXXX XXXX in an area i havent been to or around in years so i knew immediately something bad happened. I contacted the bank in store on XXXX XXXX and was immediately calmed and taken care of. In a few short days they credited my account back both amounts including the fees. I was extremely grateful and received a new debit card. I even had a really good idea where the credit card info had been taken from and passed that info along. i was sure it had been taken from a local taco truck that used a portable credit card scanner in which i punched in my pin number. Combining this info with the address of at least one of the ATMs i hoped maybe someone would even be caught. Much to my dismay and utter panic on XXXX XXXX both transactions were reversed and taken back out of my account. i felt as if i was robbed for a second time as i had been spending as if the money was there. i was devastated and called Chase where the informed me, Sorry the pin number was correct and both ATMs were within a certain mile range from my house so despite my claim they denied it and confiscated the money. This money is extremely important to me and losing it was crushing to me. I tried to escalate the matter with the claim department which led nowhere. i also went into a branch where the lady called and said they would re review the matter. Now a week later and they arent putting the money back. I provided them with good detail what i believed happened and the ATMs were listed on the statement. I feel extremely violated and discriminated against because i obviously dont have the money to fight Chase on this matter and they dont seem to care about me as a customer. I am heartbroken i 'm considered a liar and/or a thief. Neither of which is true. I beg you to please help seek a fair resolution to this matter and hope for another reversal of this claim. Thank you for your time and i am willing to provide or help in any way.
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and the case was successfully completed on XX/XX/XXXX. I have been disputing XXXX account on my Experian that were included in my bankruptcy and should have been remove XX/XX/XXXX and have not. On XX/XX/XXXX I called Experian and emailed them the banckrupty paperwork from the US Courts and the person I spoke with told me " we have to go by what the creditors say because they subscribe to our services ''. Basically they go by what the creditor says even if it is incorrect because they pay them. I explained to the person that the creditors are reporting incorrectly by changing the filed date so that the accounts can stay on my report for longer. The person at Experian then said that he would submit the claim. On XX/XX/XXXX I received paperwork that said they could not use the paperwork that I provided them and that the accounts will remain on my report until XX/XX/XXXX. The paperwork I provided them is from the US Courts and they could not update my status with official paperwork from the court system that clearly states when my bankruptcy was filed and closed. The actual public record from the bankruptcy has been deleted by the courts and the creditors continue to fraudulently report items on my report. The accounts I am referring to are : XXXX XXXX XXXX, XXXX XXXX partial acct # XXXX. This account was discharged through the bankruptcy. 
( 2 ) XXXX ( XXXX ) XXXX XXXX, XXXX XXXX The first account is reporting as if it was n't included in the bankruptcy and it is reporting late payments. It was included and discharged with the bankruptcy. The second XXXX ( XXXX ) account
OnXX/XX/XXXX the bank contacted me because of suspicious activity on my debit card. On XX/XX/XXXX at XXXX, the case was filed, I was told money would be refund in 3-5 days. I contacted the bank on the 5th day and was told I would have the money the next morning. I then called on the 6ty day, no resolution. I went into the branch in the 7th day and spent 4 hours. Both the bank employees and I were given the run around on the phone. Finally, I was told by XXXX XXXX, a supervisor, well we haven't even gotten around to assigning the investigator yet so dont hold your breath for your money ''. In the meantime, I have contacted all the disputed charges amd confirmed that the names, addresses, and shipping info are nowhere near my own for any of the charges being disputed. Now we are in the 9th day, I keep getting the run around. I was just called by a XXXX XXXX in the client advocacy department only to continue getting the run around with no resolution. XXXX told me that it will now be another 15 days before I am even contacted to discuss the situation. I am a single mother and my daughter is literally without food because no one at this bank can give me accurate information or resolve the issue.
XXXX XXXX XXXX bought a old collection from XXXX XXXX XXXX it is on all 3 of my credit bureaus I called and spoke with the supervisor who seem worked up when I asked her questions about 3 accounts 1 major account in particular which is account number XXXX opened on XX/XX/XXXX she modeled me she didnt have to send out and notices about the contract/services I may have received this call was taken place on XX/XX/XXXX at about XXXX-XXXX XXXX
I have now twice received what appear to be collections agency letters, instead of bills from my medical provider. And, yesterday I received a phone call from the collections company ( billing agency for the hospital ), that used debt collector tactics that may be in violation of the Fair Debt Collections Practice Act. 
The hospital is XXXX XXXX Hospital, billing address XXXX XXXX XXXX, XXXX, VA XXXX, phone number XXXX. 
The collections agency ( billing company ) is NPAS, Inc. XXXX XXXX XXXX, XXXX XXXX KY XXXX, phone number XXXX. 
The first letter I received from NPAS, Inc. for a bill for which I never received a bill from the hospital, caused me to call the hospital billing directly. I asked them who this NPAS, Inc. was, why I received what appeared to be a collections letter, and why I had not received a bill from the hospital directly, which I had received prior to these events regularly. I have always, prior to the conduct by the hospitals billing and NPAS, Inc.,  received a bill from the hospital, and always paid them on time. I did not receive a satisfactory response to my inquiries, but was able to pay the bill, in full over the phone. This occurred in XX/XX/2018 
At the beginning ofXX/XX/2018, I received yet another collections looking letter from NPAS , Inc., without having ever received a bill from the hospital directly. This letter is attached. I again, immediately called the hospital billing, advised them of the letter, and asked them to generate a bill for me, which the hospital billing CSR said she was going to do. 
XX/XX/2018, I received a collections like phone call from NPAS , Inc . The female calling at first refused to identify from what company/agency she was calling, instead demanding that I confirm if I was Mr. XXXX. I persisted through her very rude behavior and she eventually admitted that she was calling from NPAS, Inc. Once she finally divulged this and the purpose of the call, I told her of my conversation with the hospital, and that I had been assured by the hospital that a bill would be forthcoming. She told me the call was being recorded, more intimidation tactics. She then proceeded to demand that I be transferred to what she referred to as an account specialist. I asked if the account specialist was in fact a collections agency. She rudely refused to answer again, and demanded I allow myself to be transferred to an account specialist, and again stated the phone call was being recorded. At that point I stated to her that I was calling the hospital billing department an

d hung up the phone

. The conduct of the agent from NPA
S, Inc. was rude, evasive and clearly an attempt at intimidation. What makes this truly despicable, is that I pay my bills on time, but now the hospital has apparently resorted to the tactic of not bothering to send a bill and instead using a collections like agency from the start. I suppose the hospital can bill how they want, but NPAS, Inc.s conduct may have violated the Fair Debt Collections Practice Act, and I ask you to investigate this.
I have been requesting Mortgage Assistance with my lender Bayview who was transferred from XXXX XXXX XXXX. I have done what i can to keep close communication with my lender Bayview, but it seems Bayview is having employment issues going on and cant keep people employed with them. I had my file submitted to them about 3 times now and I had been told when my 3rd Party was calling that they got the docs and no more docs are needed- then they would call back a week later for a update and get complete different answer with who ever answered the call had no experience at all and no clue what they are doing. I have about had it with Bayview and need your assistance getting this file assigned and to stay assigned to one person w/ Bayview and not ever be transferred to one other person again. You will see the notes from XXXX XXXX XXXX that have been doing all that can be done to help this process move forward to get me a resolution with my lender, this is my home and I am very ill and suffer from XXXX and have many major other medical issues going on and i know i dont need a lender that cant hire a staff of people to do the job correctly
I 've repeatedly sent Transunion my fraud reports, and asked that they remove the fraudulent accounts and fraudulent credit inquiries. They responded by removing XXXX accounts, and putting the debt into a " dispute '' status. They are reporting a tax lien that is NOT mine. I 've attempted to verify with the courts and they have no record of the tax lien. I 'll attach screen shots or the courts website with the case number, as well as a detailed list of the Inquiries that I did not authorize. When I spoke with a rep in XXXX today he informed me that they verify it electronically through the courts website. Clearly, it 's not in there, I 've spoken with the courts representatives on numerous occasions and they ca n't find anything either.
Even after the class action settlement, 5/3 bank is still participating in reordering of funds in order to maximize overdraft charges. On multiple separate occasions, I have been charged overdraft fees improperly! The two that I can recall occurring most recently are, XX/XX/XXXX, and XX/XX/XXXX. I have direct deposit from my employer going into my 5/3 account. According to the representatives that I spoke with, in both scenarios, my direct deposits were pending at XXXX. At the same day and time, charges began to pend on my account. Instead of releasing my direct deposit, 5/3 has continuously delayed this in an effort to charge overdraft fees.
I've sent various letters to XXXX XXXX with no response. Each certified letter has been returned. I am simply asking the company to remove the account from there office and return it to the original creditor so that I am able to settle and regain my credit history. I saw that the account has been closed but still reporting negatively on my credit report. I do not know what else to do. If the account is closed how is it still reporting.
Dear CFPB, Last month I applied for a balance transfer with PNC Bank. I asked the customer services representative would there be any interest that I would be responsible for and they explained to me no. I sucessfully completed the balance transfer. This month I received a fee of interest for using my card. I called and was told that any " future purchases '' I made with my credit card that I would be responsible for the fee. Not only did the customer service representative not seem to care, she did n't even assist to escalate. I contacted the PNC escalation area who said they would research this and they never called me back. I feel as though I was baited and switched and the bank does not care. All they are concerned about is making fees off customers and putting it in their pocket. I want the fee removed from my credit card account and returned to me. Any assistance in escalating this matter CFPB it would be appreciated since no one will return my calls as promised.
I keep contacting Chase about my Checking account and spoke to about 35 different Chase employees all contradicting one another. Chase employees have blamed me for actions that took place on the Chase online banking platform. I have clearly been a victim of identity theft. Chase also has made insinuations that maybe my boyfriend or family member has done this to me. On top of all the fraud on my credit and checking account. Chase has the nerve to send countless letters to my home that further contradict what I've either have been told via phone. I don't have online banking so I can onky go by what Chase employees inform me of. I'm putting this complaint just for not being treated respectfully or fairly. I just want answers and I can't seem to get a clear answer regarding when my {$3700.00} will be returned to be that has been stolen from my checking account via Chase online banking, just the trouble I've dealt with from Chase employees deems reason enough to get my money returned not to mention it was Chase online banking platform where the stealing happened. This is identity theft as well as a financial crime because someone besides me accessed my account and stole {$3700.00} of my money.
Dear Consumer Financial Protection Bureau : I have had an account with Union Bank for almost 16 years. At the time I first opened the account, I was employed full-time. I was laid off during the Great Recession, and, much to my chagrin, have been unemployed for several years. Currently, I help to take care of my mom. Yesterday ( XXXX/XXXX/16 ), at XXXX PDT, I called the Union Bank Customer Service Center, and asked them to please discontinue the mailing of monthly paper bank statements. The employee I spoke with over the phone, XXXX, said, " she could not do that because of the type of account '' that I have. 
I told XXXX that I wanted to save the {$20.00} per month charge for paper statements. She said, " oh no, '' I was " actually being charged {$50.00} per month '' by the bank : {$20.00} for the paper statements, and {$30.00} because the " balance is too low for the type of account you have. '' Never, at any time, was I told of any {$50.00} monthly bank charges! Believe me, had I known, I would have gone to the bank immediately to : 1 ) protest the excessive monthly charges, and 2 ) close my account. I told XXXX that my last several bank statements only showed a fee of " {$20.00} per month. '' I NEVER received any notification from Union Bank, at any time, of an additional {$30.00} per month fee due to a " low balance. '' XXXX said that I should visit my local Union Bank branch and ask for a " Banking by Design '' account, which, apparently, has lower monthly fees. 
I feel the bank is taking advantage of lower income customers by charging extra monthly fees for those with lower balances. These bank customers, including myself, are the ones who can least afford it.
I purchased a {$500.00} XXXX prepaid card issued by ITC Financial. The card was destroyed and I have requested a refund or replacement. I have been told that such request is not possible. I do not find this acceptable as I have the number for the card, the original purchase receipt and can confirm that as I know for a fact it was destroyed it has not been otherwise used or claimed.
My data was stolen from Equifax and can now be used to open accounts under my name. My credit is linked to and affects everything I do so this affects my livelihood. Obviously, Equifax should have had high security standards because they hold onto my sensitive information.
Citi misposted late payments to XXXX of my old mortgage accounts late XXXX and XXXX. I submitted a complaint in XXXX XXXX ( Case # XXXX ). Citi agreed that those late payments were posted in error and agreed to correct my credit history with the XXXX bureaus. However, I pulled my own credit report this morning, and to my disgust, I learned that Citi has re-aged those XXXX accounts to reflect recent activity that I have not had, which means that these accounts will not drop off my credit until XXXX. Re-aging accounts is unethical and illegal. XXXX of the accounts was due to be removed this month ( due to age ), and the other XXXX is due to be removed XXXX. The clock should NOT be reset because they are correcting something that they have posted in error. I have had XXXX activity on these accounts for many years. Instead, Citi has decided to show these XXXX accounts as charged off in XXXX XXXX - THIS IS INCORRECT!!!! All they had to do was remove the late payments that were erroneously posted. This lender is trying to disable me from ever being able to buy a house for me and my family by continuing to destroy my credit!!!! I am a single mother of XXXX young children, and I have been working very hard to recover from a divorce and period of unemployment - please stop punishing me by pummeling my credit score.
I signed up for the Citi premier personal credit card XX/XX/XXXX with a link that " earn 50,000 bonus thank you points after {$4000.00} spend within 3 month of account opening. 
I spent more than {$4000.00} in two month and have waited. 
After 3 month still no bonus appeared on my account, so got a chat with Citi online representative but replied me that " No promotion offer found '', then recommended me gave a call. 
so I gave a call and talked with XXXX XX/XX/XXXX, answered need to wait one more billing cycle. 
today, it has passed another billing cycle, no bonus. 
I called and talked with XXXX. also answered need to review and wait 1~2 weeks. 
I don`t want to wait any more. 
I met the spending requirement in 3 month that they advertised. 
I never made any thank you points related credit card before. 
Thank you.
I 've been issued a number of late fee that are Unfair and Excessive. These fees violate federal regulations put in place to prevent credit card companies from taking advantage of their customers.
XXXX refuses to thoroughly investigate and delete fraudulent accounts from my credit report. XXXX also takes longer than 30 days to investigate and delete fraud accounts from my credit report, under FCRA, if it takes a credit bureaus more than 30 days then by law, they suppose to delete and remove these fraudulent accounts. I have been filing disputes with XXXX since XX/XX/2017 on fraud accounts that I did not authorize or consent to. In return, this has caused me to not be considered for employment as well as display my credit worthiness. I will filing complaint as well as suing XXXX for allowing these fraud accounts to remain on my credit report. 

The following accounts need to be deleted and remove immediately because I did not authorize them : 1. XXXX Acct # : XXXX 2. State Farm Bank Acct # : XXXX
As I am a victim of Identity Theft/Fraud, I understand that as such, I am eligible for free updated reports twice a year. I recently submitted requests to the XXXX agencies, and EXPERIAN, even though in possession of my alert information, has denied me a copy of my report as requested. They are currently in violation of the laws placed to assist with my issue.