WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2019 I attempted to withdrawal {$800.00} from the ATM at my regular bank, XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. The ATM disbursed {$780.00} leaving {$20.00} unaccounted for. The receipt shows a total withdrawal ( including fees ) of {$800.00}. The record number at the ATM is : XXXX. I was not aware that the maximum withdrawal is suggested at {$400.00} until after this transaction. I believe the additional {$20.00} may have gotten stuck inside as the door closed before I could make sure all of the cash was out.
I called in to Citizens bank today to resolve a problem with XXXX XXXX  still showing that the debit card has not been removed from my device. When the Rep XXXX XXXX XXXX failed to resolve the issue I asked to speak to a supervisor. The supervisor regurgitated the same resolve and then disconnected with me after I asked for her supervisor.
I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ XXXX monthly payment. The name that is reporting late is XXXX/XXXX/XXXX
I applied for a {$300.00} loan on XX/XX/XXXX. I was sent a payment schedule to pay off the amount. However, my payment due was over {$1000.00}. I had no idea that my balance would be that much. I only recall making one payment because I was in between jobs. On Thursday XX/XX/XXXX I spoke to XXXX XXXX  who told me that my remaining balance is now in her hands, She told me that I would have to pay a balance of {$700.00}, I told her that I don't have the money to pay and I wouldn't have it for another week but I just lost my job. I am not able to pay the entire {$700.00}. I can only afford to pay the amount of {$300.00} which is the amount that I borrowed and they are not trying to work with me at understanding my financial hardship. This company has several complaints against them through the XXXX XXXX XXXX.
Equifax has been contacted several times in the past and recently regarding the re-aging of a few accounts on my credit file. I contacted Equifax over the phone on XXXX/XXXX/2017 to indicate that items in my files were not validated and verified legally. The representative, " XXXX '', was informed that re-aging ( an illegal practice ) is still occurring on my credit file. I explained to XXXX that there were XXXX accounts where the date of first delinquency ( DOFD ) were not identical. 

XXXX stated that once a company sells a debt to a collection agency, the collection agency has their own dates. I explained to XXXX that this information was invalid, and that the DOFD are legally supposed to be identical, not different dates. Furthermore, I explained to her that Equifax is a resource that bridges the relationship between companies and consumers. They are required by law to ensure that the information the report on me is accurate. 

XXXX only submitted a dispute on this issue and refused to review the information and delete it due to inaccuracy. After SEVERAL investigations for these accounts, it is apparent that Equifax neglected to validate and verify these accounts as required by law.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX I am XXXX XXXX XXXX. 
I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
CapitalOne has been charging me a membership fee of {$3.00} for the past 6 years. 
The customer service agents can not tell me what its for, or what benefits it provides. 
I have an identical card, but Visa branded, the one in reference is a mastercard, and it DOES NOT have this fee. 
My wife has the mastercard version and visa version, so the identical set up i have, and she DOES NOT have the fee on either account. 
The customer service folks are totally unwilling to resolve the issue or offer a VALID explanation. There is no reason i should be charged this arbitrary fee that literally does nothing. The listing of benefits for my card with the fee and my wifes identical card without the fee are identical. There is ABSOLUTELY no value from paying this fee. 

This is my OLDEST credit account and i do not want to close it, however i will happily enter in to a lawsuit just because my uncle is a lawyer and he needs to eat, if you understand me, because as he put it " this occurrence is a cash cow ''. He seems to think that UDAAP can be invoked in this instance and wonders how much he can make from this. 

So we can go either route, drag capitalones name through the mud on social media, the traditional media ( one of my XXXX works for the XXXX in town ), the court system ( my friend from highschool works in the DA office ). 

I currently have XXXX connections on facebook on my personal page, i have over XXXX reach on my professional facebook page which is finance related, i have thousands of connections on XXXX, and i have a XXXX account for my nonprofit that is reaching XXXX followers very soon. I have no problem bringing the truth to light, i also have time as well to do all of this as i have plenty of PTO accrued. 

So will we get rid of the fee for the past 5 years? or Will we begin a journey we can not un-begin? 

Your choice, i hope you take this seriously as i have a network of individuals in XXXX who work at capitalone offices and i would hate to have to call in a favor and get them jobs elsewhere leaving you high and dry intentionally, because honestly i have that type of influence.
I have been in contact with XXXX as well as Experian, XXXX and XXXX. XXXX has removed some of the accounts but there are still 5 posted on my credit report. XXXX and Experian have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XXXX of 2017 to no avail.
Payments were made to XXXX XXXX via on-line payment service on XX/XX/18 and XX/XX/2018. After that date, XXXX 's notified me that payment was overdue, charged a late fee and submitted 30 day delinquency to credit reporting agency. I have been in contact with XXXX XXXX XXXX XXXX several times in the last 60 days to resolve this issue with proof of payment received by XXXX 's but have not been able to resolve. I opened a formal dispute in early XXXX. XXXX 's instructed me to obtain verification from my bank to verify the payments were made. I obtained the requested documentation directly from the bank and submitted to XXXX XXXX. No correspondence was receive from XXXX 's regarding the dispute for over 2 weeks so once again I contacted XXXX 's for update. The customer service rep indicated that the documentation provided was insufficient to find the account where the funds were credited. She once again requested information from my bank. I submitted the verification directly from my bank, the documentation included the ACH history from my account to XXXX 's account at XXXX. The verification provided XXXX routing number, trace number, bank account number, amount of payment and date. This was faxed on XX/XX/XXXX ( can provide proof ). No response from XXXX 's until week of XX/XX/18 ( message left on recorder ) that they were closing the dispute due to lack of my response. On XX/XX/18, I called XXXX 's to check on status and was instructed to obtained further information directly from the bank that verified XXXX/XXXXreceived payments of {$60.00} on XX/XX/18 and XX/XX/18 from my account. I was also reminded that even though I could prove that funds were submitted to XXXX 's that unless they could find where the funds were credited, they would not give my account the credit and would not remove the late payment. I once again obtained information directly from bank that included EFD withdrawal from my account to XXXX 's including account number, amount and date. This documentation was faxed on XX/XX/18. 
Today ( XX/XX/18 ) I once again called XXXX 's to check on receipt of documentation and they indicated they just received today and would review. I have no confidence that this will be resolved without intervention since I have been told that they will not acknowledge payment receipt until they can find where is mistakenly applied. 
In addition, I have applied for a mortgage and this is the only late payment on my credit report. Since it was so recent, the late payment has dropped my credit score and I will have an increase in rate. I am struggling that this financial institution will not act responsibly to address the dispute and credit my account when proof of payment has been repeatedly provided.
To whom this may concern, Please see the attached document as it details violations of the XXXX rules that protect consumers from illegal financing activities. 

Sincerely Yours, XXXX
Sent Portfolio Recovery a debt validation letter on XX/XX/XXXX to validate this alleged debt or remove same from the 3 major credit reporting bureaus. They sent me back a copy of an old XXXX XXXX bill. Sent them another debt validation letter on XX/XX/XXXX again asking them validate the debt or remove the item from the 3 major credit reporting bureaus. I received a letter dated XX/XX/XXXX stating claiming they had already sent a Universal Data Form electronically requesting them to delete XXXX, XXXX 's trade line for this account from my credit report to the 3 major credit reporting bureaus. As of XX/XX/XXXX this item still remains on my credit file with the 3 major credit reporting bureaus, XXXX, XXXX and XXXX. I have sent a copy of Portfolio 's letter to these credit reporting bureaus.
I filed a complaint last week but I need to add more to it now that it has been a week and I still do n't have my money back. When I first called on Tuesday XXXX XXXX I was told it would be taken care of right away, I called back on the XXXX because it was taken care of, I talked with a manager and we did a XXXX way call to verify with my bank that the money was in fact taken out twice, I was told it was a XXXX3 day proses o have the money returned. That would mean when I called thuesday it would be back by Thursday at the latest. I also called my local US bank and talked to the manager there, she said she would call herself to make sure this is rushed being it was {$12000.00} that was taken out. She then called me back after talking to someone and told me the money would be back in my account Thursday or if not then then for sure by Friday. Well Friday came and went and still no repayment of the extra {$12000.00} they took from my checking account because of a computer glitch on their end. I called customer service again on Friday and talked to another manager. I was then again told oh we are very sorry but it does n't look like the person you talked to on wed. Noted on the account that he already verified the money was taken out so we will have to do that again and we do n't work on the weekend so we will have to do that on Monday. And after they do that on Monday it will then be another XXXX3 days to process. Well it is not XXXX XXXX and I am still waiting for my {$12000.00}. The manager did call on Monday saying it was out of the XXXX department now I just have to wait for them to submit for the refund. I asked them what they are willing to do to make this right because they stole over {$12000.00} out of my account and refused to put it right back in. They said they are willing to give me a {$75.00} credit and a sorry. I told them {$75.00} does not cover the size of mistake they made and the stress it caused me of going a week missing {$12000.00}. They were not willing to do another more and said I could send a letter to take it further. I have never received such horrible customer service regarding a mistake that there company made. I should never have to wait over a week to get money that was wrongly taken from my account especially when it was such a large amount. I feel this was very criminal on their end and they need to do something much more then give me {$75.00} to correct their issue. If I would n't have been lucky enough to be able to pull money from a different account to cover their mistake I could have had many payments and things bounce back because my account would have been negitive and would not have had any funds to even live off of. Luckily I just sold my condo and had some extra money to still live on for the week.
Equifax has a lock on my credit file that I did not put on, they also for some reason do not have my birth date on file or my current address. I just purchased a house last year and had no problem getting my credit report and now I can't get my report and My wife has XXXX and I need to refinance my house to help pay bills and equifax is holding me up. They gave me a fax number to fax information to them on Monday and the number was not working, I called them back and they told me they only have ONE fax machine for all of Equifax. I need my credit report and they are no help. I spoke with a supervisor named XXXX and she told me to have the credit file run with my old address but XXXX XXXX   could not do that due to underwriting thinking I don't live at my current address. Please help me
I have been in review for a loan modification for quite some time now. My loan transferred to Bayview Loan Servicing XX/XX/XXXX, when I submitted a loan modification to them. I have been back and forth with them in submitting documentation continuously. More specifically, I have been informed by multiple representatives that my file had been in review and was with their Underwriting Team since XXXX/XXXX/XXXX ( that 's how they were able to postpone the multiple sales on my account ). On XXXX XXXX, i received a call from the representative with Bayview and was advised that my file had still been in underwriting and the sale date which was originally scheduled for XXXX/XXXX/XXXX was placed on hold. I called on back on the date of XXXX/XXXX/XXXX to see how things were going with my review and was informed that my home went to sale earlier that morning. Unbeknownst to me, i was complete shock since i was just notified that my file was with their underwriting department and advised my sale was placed on hold. I asked to speak with management and was told they would need to call me back. I didnt receive a call back for a couple days only to receive a denial letter dated XXXX/XXXX/XXXX ( after the sale took place ) that my loan modification review had been denied. The manager contacted me on XXXX/XXXX/XXXX and i was told that that they had made a mistake and that they would be rescinding the sale but that it would take about a week. They then told me that it had been denied for the HAMP modification program but that it would be approved for an in house. They advised the home went to sale to a 3rd party but they would be contacted to let them know that the sale would be rescinded. I followed back up with them on XXXX/XXXX/XXXX, spoke with XXXX XXXX who informed me that a decision had been reached by their Senior Management Team that the foreclosure will no longer be rescinded. They didnt care that i had a perfected file in review with their Underwriting Team and they were not concerned with the Homeowners Bill of Rights and their decision still stands. This is such a violation with everything that the Homeowner Bill of Rights stands for. This is a home that i worked very hard for and now was taken from right under me. I complied with everything they ever requested and never balked on any information they requested. I really need you help. Now they are not budging on anything they had previously stated and are taking my home. HELP HELP HELP!
This is not a duplicate. Please read below. According to the FCRA, negative information in my credit file is subjected to a thorough investigation. Again, this information has not been verified to be true. 

In a previous complaint I disputed account XXXX which was a XXXX XXXX account financed through XXXX XXXX. I apologize for getting the account information incorrect. This account was paid and settled as the manager adjusted the price for the furniture like I said in previous statements.

However, the problem is with the account XXXX with XXXX XXXX XXXX financed through XXXX XXXX. This information is completely incorrect. I have asked the 3 credit reporting agencies to look into this matter and re-investigate and they have not. For some reason they keep sending me a credit card statement in the mail, however, they have not been able to provide substantial evidence that these purchases were made by me. Where is the original invoice with the items listed? I have no idea what was even purchased. I have yet to be provided with any supporting documentation that shows my signature or a promise to pay agreement with XXXX or XXXX XXXX XXXX. It is very discerning that XXXX would be allowed to report incorrect information to the 3 reporting credit agencies and sell it to a collection agency. 

In 2017, XXXX actually investigated and found this account to be incorrect and deleted from my credit report. Attached you will find a letter supporting this. Moreover, XXXX has not removed this account from my report. I am truly distraught by this negative information and the impact it is having on my credit file.
XXXX is claiming I owe {$1900.00}. This is a debt on my credit report filed by XXXX XXXX. However, the debt amount is wrong and this account was not just mine it was my sister and mother.I am not responsible for the whole {$1900.00}.
i have signed on a CD with the 30 years fixed interest rate of 4.25 % and total closing cost of {$29000.00} on the date ofXX/XX/XXXX. 
closing date is on the XX/XX/XXXX at XXXX and i received a call and email regarding to the new disclosure form that i have to sign due to that they cant honor the last disclosure that already been signed and they want to force me to sign the new document that has a interest rate of 5.1 % on the date of closing right before i go to title company.
Became XXXX and could n't repay. Due to a rule that a XXXX  person must have review date longer than 5 years on their case. Mine is 3 years. I 'm XXXX XXXX and receive XXXX payments from the federal government. If a person on XXXX XXXX and they have a XXXX XXXX or XXXX it should n't matter the review length.
JH Portfolio is reporting a debt after I have submitted my identity theft report and formal statement/dispute. I have taken the steps to correct this matter but have had no success with this collection agency. This is a violation of the FDCPA and FCRA. Ive been very patient and is now past upset that they continue to cause me damages for something I did not do. I don't know who used my information but I want this matter corrected ASAP
In XXXX I was a patient in XXXX XXXX Hospital in XXXX XXXX, Texas. At the time I was a student at XXXX XXXX XXXX, which I obtained insurance through my tuition. My insurance had taken care of my doctors visit/hospital stay. Now 8 years later ( XXXX ) Pioneer Credit Recovery is calling my work stating they are going to garnish my wages for these past due debts that I supposedly have from that previous hospital stay.
I am a small business owner, I own a   XXXX   XXXX   XXXX   and I started selling  XXXX   XXXX  on  XXXX  for extra income on the side. My   XXXX   purchases are linked up with  PayPal where customers would pay using PayPal and once PayPal confirms the money I will ship out the item and once the tracking number is provided and is delivered PayPal will release the m oney.     At first everything was fine but once I started to have more orders they started to hold the funds, initial hold was 21 days I was n't too happy about that because I offer custom make  XXXX  gold jewelry and with gold the market fluctuates every day and I need cash flow to run the business. If the customer has received the merchandise my funds should be released. Then I get a call and email saying they will no longer be able to release the funds in 21 day now is 90 days and few days later I get another call and email saying they will hold 10 % of all the money for 180 days. Every deal I make my profit is only 10 %  Currentl  y PayPal is  withholding {$28000.00} Please help with this situation. You can reach me at my mobile  XXXX  or business  XXXX    XXXX   XXXX    XXXX
Hello, I wanted to let you know about scam that I fell for with a debt company XXXX. They called telling me I could decrease my monthly payment by selling my loan to the DOE. They told me that I had to pay three installments of {$430.00} to allow the DOE time to sent up the repayment plan for me. Luckily, my parents happened to read an article on the XXXX and XXXX about potential praying on people struggling to repay student loans *I am struggling to repay and do need relieve from these large payment ). I am hopefully with in the three days the contract allows to cancel my contract. I just want to get the word out so others do not fall victims to these scams.
I believe that XX/XX/XXXX my mortgage was bought by Select Portfolio Services Inc. from XXXX. I did not receive notification from anyone that this had happened. I had automatic bank transfer for our mortgage with XXXX. SPS received payment for XX/XX/XXXX-XX/XX/XXXX, then they stopped collecting the mortgage payment. XX/XX/XXXX I had a XXXX XXXX, this laid me up for awhile. XX/XX/XXXX we found out that Select Portfolio Services had acquired our loan. The way we found out was that they ( SPS ) were starting foreclosure proceedings. After multiple times of trying to repay what we owe ( SPS refusing our payment every time, even though it was their mistake ). We are now in the world of loan modification and repayment. I have sent them all the information that they have asked for, 3-4 times. Every time I get a answer from them that they did not receive the fax or the fax broke down, transmission problems, etc. These people have no class, instead of working with us they would rather ruin you. I had no problems with XXXX or XXXX our previous loan agencies. We have lived in our home for 12 yrs and now we are being forced out. I know now that I have been SCAMMED by SPS. Something should be done about these people. Decent homeowners are being forced out of their homes for no reason. I will be contacting the FBI and the Attorney General of Florida.
I have never in my life applied for, nor carried a car note. There are countless companies reporting erroneous, and damaging inquiries on my credit report without my initiation. The majority of whom have ignored the repeated requests to cease authorization attempts, remove the previous credit reporting requests and void my information from their databases.

The credit bureaus have reported inaccurate SSN, birthdates, telephone numbers and addresses on my credit report. It stands to reason that they frequently have resulted in the inaccurate data that has been, and continues to be both tirelessly reported, and disputed.
XXXX, Experian and XXXX XXXX are ignoring my requests to investigate and verify the accuracy of the information contained in my credit reports.