WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom it may concern : I signed up for and received credit for BestBuy through Citibank in XX/XX/XXXX. 
I was not made aware of the add-on service " Debt Protection ''. I had other monthly recurring services on the card and did not notice the monthly charge until XX/XX/XXXX of this year when reviewing my account for recent purchases and balances. 

I did not sign up for this service when I opened the card and have no need for it. 

I called onXX/XX/XXXX to cancel the service, request a copy of my signature acknowledging the service and requesting a refund. I was advised that I should recieve an update regarding the issue by XX/XX/XXXX.
Called back on XX/XX/XXXX and was advised that there was no status update available, updated address info on file. 

Called back again on XX/XX/XXXX, was advised that no update was available and no record. Rep advised that they were sending a 2nd request for review and refund. 
Requested address to mail a written request as well. 
Was provided the following address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Sent letter the same day via USPS. 

Called back on XX/XX/XXXX to check that letter was received and check the status of previous requests. Spoke with an individual by the name of XXXX. Was again advised that there was no status update and an escalation would be submitted and that I should personally receive a call back within 30 days regarding a refund. 

Called back on XX/XX/XXXX to follow up as nothing had been received via mail and no call had been received. Spoke with XXXX, she was unable to assist and transferred me to XXXX in Oklahoma. XXXX then transferred me to XXXX who said she would speak to a manager and again escalate the issue as well as request a copy of my signature acknowledging the enrollment in the Debt-Protection program. 
XXXX came back after speaking with her manager and said they were waiting on an email from their refunds department and to call back on XX/XX/XXXX and they should have an update/resolution for me. 

Called back on XX/XX/XXXX to follow up as instructed. Spoke with XXXX in Oklahoma who advised that there was no update and it can take up to 30 days. This was conflicting information with what I was given the previous week and was following up on. I requested to speak with a manager and was directed to an individual named XXXX who claimed to be the on-call supervisor with a username of XXXX. 
I requested a status update as I had been told to call back for the previous week. XXXX told me that they had no update and try again in a week. I expressed that they had told me to call back on XX/XX/XXXX for an update and that I am tired of the runaround and lack of follow through on the commitment that they had given me for an update on XX/XX/XXXX. I also expressed again that I was still waiting for proof of enrollment as well. 

As it stands, it looks like I will again try to call in sometime in XX/XX/XXXX as I still work to get this resolved. 

I have asked for a case/claim # for my issue numerous times and been advised that there is not one for my issue.
I originally owed {$1200.00} from a medical debt to XXXX county family services from XX/XX/XXXX. M.L Zager placed a judgement against me in XX/XX/XXXX. I had a fair hearing XXXX re : this matter. The decision from that fair hearing was the administrative law judge was with out subject matter jurisdiction to review the merits of the agencies determination to seek recovery of alleged overpayments, to me this means there was not enough evidence to state The alleged overpayment existed. I have been trying to have ML Zager review this document to addressthe alleged debt. I spoke to XXXX XXXX who is the debt collector for this firm and he refuses to review the information. I even went as far as having the deputy commissioner of XXXX county department of social services contact Them to remove the debt and apparently they told him there was nothing they could do because wage garnishment steps have already been taken. And on top of everything else the debt from XXXX has almost doubled due to fees from ML Zager. I also tried contacting XXXX XXXX to attempt to settle this debt with no effect whatsoever I was told since wage garnishment was sent into action there is nothing he would do for me. I would like to know why they are being so unfair. Just like everyone else I 've had debts before and every debt collector is willing to negotiate to settle a account.I was told by the deputy commissioner of XXXX county that they do not deal with ML Zager any longer because of their cruel and unfair tactics
Debt Recovery put a debt on my credit without written notification to me a few weeks ago. i contacted you guys and demand proof of debt from them which they mailed to me and I received today. Firstly, their proof of debt is in the form of a statement from the Physicians. They have not provided me anything with a signature. Any proof that I was at this place they claim I owe. Secondly, the statement they sent to me states {$0.00} balance. Thirdly, the address on the statement does not match my address or anywhere I lived. I will be looking for an attorney to represent m against Debt Recovery Solutions and I will contact MD Attorney General 's office. Cause if this was the case, I can print out 100 statements to 100 people and claim they owe me money as well. Bad enough the amount owed says {$0.00}. I will attach a copy for your perusal.Then I called Debt Recovery and the rep had the nerve to ask e for my SSN and when I declined sh said she can not speak on account. Why would i be XXXX enough to give apparent dubious characters my social security number?
My loan was transferred from XXXX to XXXX XXXX ( with out my being notified ) sometime around XXXX XXXX. I went to pay my payment in XXXX with XXXX and it showed my loan had been paid off. When I contacted XXXX they said it was sold to XXXX and that they had sent me a notice ( which they did not ). I then called XXXX and they said they could not find my loan. I was on the phone for over 2 hours with them trying to find my loan. They finally were able to give me a loan number and told me to pay the payment online. When I went online and made the payment I noticed they did not have my insurance information which I had given to them previously. I called back and gave them the homeowners information again. I was then sent a notice by my Home Owners Insurance Company stating my insurance was going to be cancelled due to non payment. I called XXXX XXXX again and was on hold again ... I finally spoke with a Manager XXXX XXXX and was told the check would be mailed out immediately. Today I had to pay the Home Owners Insurance myself out of my pocket as the check has still not been sent. I also went online again today and the Home Owners Insurance is still not listed. The loan was transferred without my notification and the transfer has now cost me over {$1500.00} due to my having to pay the Home Owners Insurance Policy myself. 
I received the Welcome Package on the XX/XX/XXXX ( I have included the package although it is dated the XX/XX/XXXX) ... I also received an escrow analysis from XXXX on the XX/XX/XXXX ... it is also dated the XX/XX/XXXX.
While my bankruptcy is not discharged yet, my attorney has provided ProCollect with letters stating that the information they are showing on my credit report is incorrect and needs to be removed yet it is still showing. I recently contacted them personally and was told by XXXX that while they show it is in bankruptcy status on their side, it is still showing on my credit because I keep disputing it. I find this odd since I have disputed other items to credit reporting agencies and they were removed. I also never received any sort of letter from them with my rights.
I logged in to XXXX and noticed there was a hard inquiry from cbna. The date was the day I went on vacation but I never ran my credit. This information is incorrect and needs to be removed asap.
They have been taking my card for three months now and have never asked me the name on the visa card before. Now when I tried to make a payment again with my wife 's card they stated she would have to call to give them permission to take payment.
This company started calling me on XXXX/XXXX/15. Since then I have received XXXX more calls. 

On XXXX/XXXX/15 I answered, the man on the phone announced the company as Bay Area Credit Services, and is trying to collect a debt. The man had a very heavy XXXX accent. 
Asked for me to verify my personal info. 

I do not have any outstanding debts, and believe this is a scam.
I received a call in XXXX from the XXXX XXXX XXXX , XXXX . The call was regarding a Medical Bill, of  {$740.00}, for an out of network physician ( XXXX XXXX XXXX ). I requested that the collection service send me a letter stating the amount owed and other detailed information ( a letter was sent on XX/XX/2018 see attached letter below ). In the letter, the collection service offered a settlement amount of {$550.00}. I contacted the collection service and attempted to make payment. 

In my discussion, I stated that I would send an email to the collection service stating what had been agreed to verbally on the phone. The manager, XXXX XXXX, provided me with an email address : ( XXXX ) and I sent the email ( please see attached document ). In the email, I stated that I would mail a payment of {$550.00} upon receipt of a response to my email referenced above that in summary stated that upon payment, all collection efforts would cease and no reports would be filed with any of the credit bureaus. 

I spoke with an employee at XXXX XXXX after I sent the email, requesting that they respond to the email. At that time, the employee stated that it was a policy of XXXX XXXX XXXX XXXX XXXX not to respond to emails and instead to " Trust Us '' that they would honor the agreement. My intention with the email is to create an audit trail to prove what was discussed and what was agreed to. 

Several more phone calls were received from employees and I again stated that I needed something in writing ( via email ). 

This afternoon ( Thursday, XX/XX/2018 ) I spoke with the Operations Manager XXXX XXXX and stated again that it is my intention to make payment on this settlement balance as soon as possible ( upon acknowledgement of my email ). Again, he stated that the policy was not to put anything in writing, and to " Trust Us '' until after the payment has been remitted ( up to 30 days later ). 

Tomorrow, I will contact the Operations Manager XXXX XXXX and attempt once again to make the payment on the balance upon receipt of an acknowledgement of my email. 

What the collection agency fails to understand is that I need a written agreement that states what both parties agree to in order to settle this issue. The failure on the part of XXXX XXXX XXXX , XXXX. to commit to an agreement in writing constitutes a poor business practice. A written agreement protects both parties.
In addition to my original complaint, XXXX, these people have contacted by brother at his job. Inquired about my vehicle, asked my brother all types of off the wall questions. All inappropriate. The number they contacted my brother from is XXXX They also contacted by Aunt. Telling her they were trying to reach my attorney, stating I told them I had a lawyer, telling her they were taking legal action against me. The number they contacted her from is XXXX, File # XXXX. <P/>When I contacted the number above back, they told me the company name is API.
On Tuesday,  XXXX   XXXX ,   XXXX  . I received via email a solicitation for an  Express signature loan with BBVA.  I went ahead and filled out the information, requesting  XXXX  for debt consolidation. I was immediately approved and given the option to choose the length of the loan, payment due date for automatic debit and it also provided the interest rate. After I viewed that page it another page came up stating for me to take my loan details to a branch to finish and have disbursement completed. Well I put in my zip code and there is not a BBVA branch within  100  miles of my location which is  XXXX . I contacted customer service immediately and explained the situation. They also saw where I was approved for the loan but also stated the same thing the closes branch is  a 5 hour drive for  me. The person I spoke to that day requested my phone number and stated her and her supervisor where going to reach out to a branch and see if the paper work could be sent by mail or even for me to sign electronically. I said perfect. I did not hear back from them all week. I contacted BBVA again on Monday  XXXX   XXXX . Explained everything to a new person. she did see all the notes and tells me I can open a checking account with them and then they could just transfer the money of the loan into that, I aid perfect if that 's what 's needed no worries. We went ahead and opened the checking account with the rep on the phone. She places me on hold and came back several times stating that was not working either, That the fulfillment team was trying to transfer the funds into the checking account but it needed my signature. I explained again I have no problem going to a branch there is just none by me. So after being on the phone for abou t 2 ho urs they stated they needed my signature, so after being approved for the loan, opening up a checking account I do not need I still can not get my funds for the loan. I really do need this loan to consolidate my bills.
Suntrust Mortgage : *Forclosed on me while i was XXXX*Denied me for XXXX but the said i was covered a couple years later but never fixed my % *Missing Payments*Did not change XXXX, XXXX, XXXX interest rate to 6 % from 6.875 % on my first mortgage*Did not change my XXXX interest rate from 13 % to 6 % since my XXXX was paid off i deserve the money back*In XXXX was foreclosed on ( THEY LOST A FEDERAL LAWSUIT IN XXXX OF XXXX FOR WRONGFUL FORECLOSURE PRACTICES FROM XXXX TO XXXX ) XXXX XXXX mortgage was paid off and $ XXXX put into an escrow account but when they foreclosed i was never paid this. so they have had my money for 8 years*I want my XXXX mortgage Re-evaluated and the payments re-applied. i show i only owe $ XXXX*When foreclosed i payed {$15000.00} to reinstate no attorney fees should be applied to my account.
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX | XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account Unverified Account Unverified Account Creditor 12 Unverified Account Creditor 13 Unverified Account Creditor 14 Unverified Account Creditor 15 Unverified Account Creditor 16 Unverified Account Creditor 17 Unverified Account Creditor 18 Unverified Account Creditor 19 Unverified Account Creditor 20 Unverified Account Creditor 21 Unverified Account Creditor 22 Unverified Account * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX XXXX XXXX. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX. XXXX Signature STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced XXXX as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. WITNESS my hand and official seal in the County and State aforesaid thisXX/XX/XXXX. XXXX Notary Public Printed Name : My commission expires :
We had phone and internet service with XXXX XXXX XXXX XXXX, WI. They were an adequate service for several years. Then one year they decided to jack our rate up with out proper notification. We went several months without paying the jacked up rate during the dispute. They refused to make things right. Finally they cut off service and submitted the inflated debt to a collection agency. I continued to refuse to pay this inflated debt when contacted by the collection agency. I disputed the debt by paying for an attorney to send them a warning letter. They STILL REFUSED to make things right. 

If XXXX had made things right in the first place, not only would they have retained us as a customer, but also they would not owe me XXXX dollars in attorney fees. 

I will be sending a copy of the attorney 's letter when i can find it in my files. 

The service address was to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX
Following national news of Equifax 's data breach affecting 143 million people, I used tools provided by Equifax to verify that my personal data was at risk and then placed an initial 90 day fraud alert on my Equifax credit file on XXXX/XXXX/XXXX.
ON XXXX/XXXX/16 I WAS MADE AWARE THAT I HAD A JUDGMENT FROM CAPITAL ONE BANK ON MY CREDIT FOR {$6900.00}. I HAVE NEVER OWNED A CREDIT CARD FROM THEM UNTILL XXXX/XXXX/16 WITH A CREDIT LINE OF {$300.00}. I FILLED A POLICE REPORT FOR IDENTITY THEFT AND FRAUD. I ALSO PLACED A DISPUTE WITH XXXX OVER A MONTH AGO. I HAVE CONTACTED CAPITAL ONE MUTIPLE TIME TO GET HELP AND ANSWERS. CAPITAL ONE REFUSES TO HELP.
XXXX was seized without warning in the amount of {$4800.00}. for a credit card that i have no knowledge about. they did not send me any notification but my money was seized from my XXXX XXXX account, by XXXX in New York and New Jersey.. when asked i was informed it was for a credit card i had open with Providian national Bank in 2004.
Company is attempting to collect on a debt that is not owed, and failed to send proper documentation validating the debt Not Verifying it. They are reporting this inaccurate information on my credit report, and cannot provide the proper documentation in which a written letter was sent XX/XX/XXXX asking them to provide me with copies which they failed to provide so they are in violation of the FCRA.
To Whom It May Concern- There was an account FRAUDULENTLY opened in my name with XXXX XXXX.

I am victim of IDENTITY THEFT and this is one of MANY accounts that was obtained as result of such.

All 3 CREDIT BUREAUS are in receipt of my police report, along with other documents supporting such.

Ive contacted both the CREDITOR, that being XXXX XXXX and ALL CREDIT BUREAUS advising that this is not my debt.

XXXX  & XXXX have both completed their investigation and removed this account from my credit report ; however, EQUIFAX has not.

LATE PAYMENTS & NEGAITVE information from this fraudulent account is NEGATIVELY impacting my credit score.

It is UNFAIR to me to have an account that was opened as a result of FRAUD continuously cause a NEGATIVE IMPACT on my life.

Im having to re-open disputes with EQUIFAX every 30 days ; thus, again NEGATIVELY IMPACT MY LIFE.

Im confused as to why EQUIFAX is still reporting this on my credit when XXXX & XXXX   have both removed it.

Considering the MASSIVE BREACH this company, that being EQUIFAX, has exposed consumers such as myself to, it is very disheartening to see their lack of concern.

EQUIFAX has removed this account twice and placed it back on my credit yet AGAIN! This is VERY FRUSTRATING!!!
My complaint is with Bank Of America. My statement dated XXXX stated I owed a total balance of {$48.00}, which was due by XXXX/XXXX/XX/XX/XXXX I paid {$48.00} on XXXX/XXXXXX/XX/XXXX. On my next statement, which Bank Of America did not send me, they charged me a {$1.00} minimum interest charge even though my ending balance was {$0.00}. So when they actually did send me my statement dated XXXX, they charged my account another minimum interest charge of {$1.00}, a 100 % interest rate. Since I made a {$130.00} purchase on XXXX/XXXXXXXX, Bank Of America is saying that I owe {$130.00} + XXXX + XXXX + XXXX = {$130.00}! I called their customer service department to ask for an explanation and get the fees waived. They said interest is charged in arrears. I argued that I paid the entire balance off by the due date and that interest should not be charged. Also, they charged 100 % interest on an initial " hidden '' interest charge. I asked for the fees to be waived. They said they could not waive any charges because there is a past due amount. I argued that there is not any past due amount and that the only reason their erroneous accounting says there is is because they hide {$1.00} minimum interest fees. Also, they said that even if I paid the total amount due today that I would still owe another {$1.00} interest payment next month. I can not even close this account because of a balance owed and Bank Of America will not allow me to have a {$0.00} balance for 60 days!
On XX/XX/2018 - I received an email from US Bank that my account was in fact in good standing and the errors with all 3 bureaus have been updated. As of today - XX/XX/XXXX - two bureaus ( XXXX and XXXX ) are both reporting that I have negative past due payments. As stated originally, these past due charges were from Fraud on the account, and they were taken care of and agreed to be fraud. This has been an ongoing issue for over a year now.
LVNV has done everything they can to my credit, They would open then close an open an account.my credit score was bouncing around from XXXX to XXXX over night when I found out who it was they were removed permanently. In the past I received letters that they were suing an then canceling suing an canceling..one day a letter came in they had retained a judgement, ,I have taken care of almost all bad credit on my report, ,I dint think they have done anything leagle, an they continually change their name an collection tactics..Is there anything you can do to help me..XXXX