WillisBack/dataset-financial-user-claim huggingface dataset:
Requested the details regarding the charge and no information has been received from these people ; yet the letters continue even though debts are no longer a part of my credit history. Illegal collection practices in play here. Former collections manager that is able to spot violations of FDCPA when he sees it. 

They are looking to collect on debt that was removed from the credit bureaus during the purchase of my home back in XXXX of 2015. The removal was due to the debts being deemed by the credit bureaus as " Too old to collect '' as the accounts are over 10 years old. They may be " debt buyers '' that are looking to utilize illegal collection tactics. The new collection agency tactics is to try an establish contact with proposed debtors in order to reactivate the debt and establish collection techniques all over again. I have asked them to substantiate the debt which they are unable to do but again the letters continue to arrive at my home ( harassment strategy ) even after dispute notice was faxed to them back on XXXX XXXX, 2015.
I am a victim of Id theft and I sent two requests certified mail to equifax to do a security freeze. I mailed them twice the police report, utility bill, social security card and drivers license. I received confirmation of the certified mail. They did not respond to either of my requests for a security freeze. I called them XXXX/XXXX/15. I talked to 3 different people. The first one told me NO they wo n't do the freeze, I have to pay XXXX. The second one said I had a lock on my file, which I do n't recall placing and said I had to pay XXXX to lift the lock. Then they would place a freeze. I talked to a third person who again refused to do the security freeze and when I told them I was a vicitm and I sent my documents and provided the dates on the certified mail, they said they did n't have them. They said I had to send a third time and I could fax. This is very concerning as I sent highly sensitive personal information. I faxed it although I was very hesitant to do so. I sent these letters back on XXXX XXXX and they signed for it on XXXX XXXX ( 2015 ) and I sent it again XXXX XXXX. I 'm now concerned other fraudulent accounts may have been opened due to their lack of integrity and service issues. I want them to freeze my credit and send me updated report.
Based on the information contained in this complaint I feel that XXXX XXXX  is not acting in good faith with its current customers regarding the above referenced settlement. 

My daughter just received a {$45.00} check from XXXX XXXX for overdraft charges stemming from XXXX through XXXX when she had an account with them. She no longer has an account. 

But we still have an account and XXXX XXXX  made no such offer of repayment to us, even though weve paid far more fees in overdrafts when my husband complained many times about how they intentionally manipulated their system to create overdrafts by using the online system to provide one balance and then manipulating presentment of checks to create the overdraft. 

XXXX XXXX  letter to us regarding this settlement merely covers our freedom to revoke our opt-in overdraft services. 

Please investigate their failure to act fairly with current customers and if you find that they have again acted willfully please award their current customers monies and fines over and above the refunds they were initially due.
A few years ago I contact ed Citi bank  regardi ng my sears cr edit card account and inform them I will like to dispute the balance on my account because I 've been paying for this account for years and the balance has n't changed. If anything it has increased exponentially.   I also advised citi to not contact me by phone and and requested any sort of correspondence should be done via mail. Needles to say they completely disregarded my request and kept calling me and NEVER validated my balance or submit to me my request of original application for this account and the original Terms and Conditions. I keep paying on this account even though my request went on deaf ears. About a year or so ago I contacted them again and requested the interest rate on this account reduced so that when I make payments on the account it will actually help reduce the balance owed .... that request was n't honored. I then again requested a validation of this debt. Months went by and I never heard from citi again. As far as I 'm concerned they have violated the CFPB laws,  Udap, Fcra a nd multiple rules with respect to honoring my demands. Due to citis violations of these rules I am requesting that this account should be closed and deleted from my credit reports.     XXXX   XXXX   XXXX   also called me and mailed me with regards to this dey stat ing Citi sold t he account to them. I explained to the representative that this account should be closed and deleted from my credit reports due to Citis violations. The rep advised they will not be doing such thing. The rep then proceed to offer me a settlement offer, completely ignoring my demands. This collection agency has a horrible reputation for strongarming customers into paying disputed debts. I am her by asking this debt to should be closed and deleted from my credit report. I will be forced to hire a legal professional to assist me with the matter if citi and   XXXX   XXXX   refuses this request.   Thank you
Recently received in the past week a personalized card from XXXX XXXX with my name that I did not sign up for or have any affiliation with. I tried contacting the company multiple times and through multiple different numbers and every time, I am prompted to enter my social security number. I am unable to take any action with this unfamiliar card including cancelling and reporting without giving them this information. I am worried that the company has my information and will affect my credit report. Also I was unable to cancel it on their website.
This collection agency claims that they sent me a letter. I have never received anything. Secondly they are calling my main work phone number after being told that they can not.
I RECEIVED A NOTICE IN THE MAIL ON XX/XX/2016 OF AN ATTEMPT TO COLLECT A DEBT FROM A COMPANY CONVERGENT OUTSOURCING. I SENT THEM A LETTER ON XX/XX/2016 ASKING THEM TO VALIDATE THE DEBT, AND TELLING THEM THAT THE STATUE OF LIMITATIONS ON THIS DEBT HAS EXPIRED. I KNOW THAT THEY RECEIVED THE LETTER BECAUSE I SENT IT CERTIFIED AND I GOT THE RETURN SLIP. THE COMPANY DIDNT RESPOND TO MY LETTER AND THEY STILL PUT IT ON MY CREDIT REPORT.
My equifax credit report shows a hard inquiry by XXXX XXXX XXXX. The sales person stated a hard inquiry would not occur. Simply a soft inquiry as used in pre-qualifications.
This account isnt mine. I am not sure where it came from but this is not my account.
I have been a victim of Identity Theft and I did not authorize anyone to steal my identity and pretend to be me. I need to dispute these inaccurate items off my credit report.
I have been making payments on my home mortgage for 15 years and never been late on a payment. When a balloon payment came due, the current service provider told me that I would have to pay the amount in full, or they would foreclose on my home. I could not obtain the large amount of money needed to pay the loan, so I sought to refinance. Select Portfolio Services ( the service provider ) told me they could not refinance the property, that the only option I had was to pay it in full or default and lose my home. 
I finally found a company that would refinance for me, and began to ask SPS to provide me certain documentation in order to complete the process. It has taken over three months at this time, and it still is in process. The mortgage changed providers numerous times, and along the way it changed from XXXX as the lien holder to XXXX who apparently owns the lien. When I finally got to the point where we could close, the title company obtained a copy of the title on the home, and it showed XXXX as the lien holder. Since all the supporting documentation showed that SPS was servicing the loan for XXXX, the title company asked that SPS provide a document showing that the lien changed hands from XXXX to XXXX, but SPS refuses to do this. I 'm suspecting that there may be no proof of who owns the loan, since SPS can not provide me with any documentation of this simple fact. I called XXXX and they said they had no records of the loan. I called XXXX and they also told me that there was nothing in their records. SPS insists that they have to say that because SPS is the service provider, and only they can divulge information. I should have been able to close on this months ago, and because they will not assist me, I am now behind in XXXX payments and it will soon begin to affect my excellent credit rating. My mother ( who dwells in the home ) receives almost daily calls from SPS asking for payment and threatening to evict her if payments are n't submitted. She obviously is very upset about this, always in tears and being an elderly woman with serious health problems, this is stress that threatens her well being. I just want to close on my refinance, payoff this mortgage and cut all ties with this company. Can they legally prevent me from moving forward by not supplying the necessary documentation? Are n't I entitled to this information? What can I do to hold them accountable?
I pulled a copy of my credit report and found the following items to be in error : Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX XXXX account ; Payment history is incorrect for XXXX XXXX XXXX  account ; Payment history is incorrect for XXXX XXXX XXXX account ; 30 date late is incorrect for XXXX XXXX XXXX account ; Per the Fair Credit Reporting Act, I demand that these items be investigated and corrected as individually requested from my report. I understand that you will verify these items with the creditor who has posted them. Please delete or correct any information that the creditor can not verify as I have instructed. I understand that you must complete this reinvestigation within 30 days of receipt of this letter and have results returned to me within 45 days. Please send a COMPLETELY UPDATED copy of my credit report to the above address. According to the FACTA act, there shall be no charge for this updated report.
.i purchased a vehicle for my sister, and capital one is trying to dispute the payment because we haave been having issues with them but first off i called in advance and made them aware i was making a large purchase and i wanted them to make sure the transaction did not decline and they made sure it did not normaly a XXXX purchase would naturaly be delined, so not only did they know about the purchase they made sure that it wasnt declined. then about 2 months after the purchase i was contacted by the dealership and told that capital one was disputing the charge to my astonshiment me and my father called we are joint account holders and were told by capital one that they we closing are account with no explanation why and we were free to open a new account. well w are absolutley takin aback by there poor customer service there lack of communication between difrent depts in there corp me and my father asked how we could pay off the balance owed on the card and we would not be applying for anthort account with capital one they are a night mare they said that we would be transfered to the payments dept and every time they hung up during the transfer when we directly asked to speak to a supervisor we spoke with a gentleman that not only told us that the previous XXXX capital one employees we had spoken with delibertly and knowingly had given us false information. the gentleman then proceeded to assure us that there were no issues, he had fixed everything and that are cards were still active not shut down and that we could contact him with any further issues, and apologized for the treatment we had recieved from previous employees. needless to say there of course were issues we went to use are cards again and my fathers was declineing but mine was not. so again me and my father have tried to contact capital one and see why and again we run into the same employees so me and my father say ok shut the cards down we are at are wits end and how can we pay off our balance, and capital one will not except payment from us and now the dealership says capital one is trying to reverse the charge and we will have legal issues if that happens how can they get away with that they were made aware of and approved the purchase but then all the sudden, because we called and complained about some issues we were having they shut our cards down refuse to honer any purchase we made in the past and refuse to let us pay off our balance on the card. how can they dispute a charge that me nor my father are disputing. and we are trying to pay are bill, how can they do this? what can we do? please we are so upset. and what about the dealership can they do any thing to stop capital one from reversing the charge they approved prior and were completely knowledgeable of the purchase they made sure it didnt decline and set my card so it would not decline prior to me making the purchase.
I sent in several certified letters to all  XXXX  credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all   XXXX    bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all  XXXX  credit bureaus.
XXXX XXXX2017 {$630.00} I called to see why this was being reported on my credit report after I was a Voluntary repo. And it was sold and I now have to pay the difference from the sale. This was written off / charged off. I start getting threatening calls that they were going to take my to jail if I do n't pay the balance from the sale.
I did not receive a maturity notice on a {$3000.00} CD that matured on XX/XX/XXXX from Huntington Bank. The interest rate was 1.484 % paid annually. It was a 2 year CD. 

Starting on XX/XX/XXXX, I started trying to contact someone in the bank. 
Within the grace period I called to see about closing out the account - not renewing it - and getting my money. 
After 3 days and three phone numbers, I talked with XXXX at this number on XX/XX/XXXX XXXX XXXX ) - he gave me a passcode and assured me that I would receive the funds in 7-10 business days. It is now XX/XX/XXXX and I have not received my money. 

I called the same number today - XX/XX/XXXX - they said that I needed my XXXX  DL number to verify that it was me over the phone. I gave them the ordinary identification items - SSN, etc. that they asked for but did not know where my XXXX DL was. 
I have moved to XXXX since I opened the account - and had given them a change of address in person before I left XXXX. 
I asked to speak with a supervisor and even though by this time I had located my XXXX DL she said I had to call another number - I was transferred to ( XXXX ) - they told me that I needed to go a branch office. The nearest branch office is 3 hours away from me in XXXX, XXXX. 
They then asked me for the branch information where I opened the account - I gave them the information - including the address and the name of the person who prepared my form. They then gave me the branch of their nearest branch to where I opened the account. 
The third number I called was ( XXXX ). She asked me a few questions and said she would call me back in a couple of hours. I do not believe her.
I received a voicemail yesterday, XX/XX/XXXX, from the phone number XXXX. The gentleman said his name was XXXX XXXX from XXXX XXXX and XXXX, and that they were preparing a preliminary Civil Claim with my name and information attached to it. And if I did not contact them immediately that they would be filing a Civil Suite , on behalf of their " clients '', and that they would give me the opportunity to give a statement. 

I immediately contacted them and I was sent to a pre-recorded message. I left a message and asked what the claim was, who the claimant was, and that if they could email me the information so I could share it with my attorney so we could respond accordingly. About 15 minutes later I received a call from another individual, who went through a very odd verification process to validate I was who I was. After that, she continued to threaten me with a pending lawsuit. I stopped her and asked who was the claimant. She went on to explain that she works with a " mediation '' group that helps solves collections for their clients. I then asked who her client was, and she said that she could n't tell me, but that it was an old debt from XXXX XXXX XXXX. The only XXXX card I ever had ( beside my current one ) was for a business that I was involved with years ago, and since has closed. At one point, that company did have a XXXX XXXX card, so I asked her if this was a corporate account. She said yes, but I personally guaranteed it, something I NEVER did. As I started to ask more questions about the account, when this account was active, etc., she became irate with me and said do you want to take care of this or not. 

I explained that I do not recall this account, and that if there was an issue years ago, XXXX never got a hold of me. She started to spout of some laws that since this was a commercial account, and that I guaranteed it, and that the original creditor could not " get a hold of me '', that the Statute of Limitations started the second she spoke with me on the phone. She also claims the last payment was early in XXXX. I asked if she knew the laws in XXXX  about Statute of Limitation and she began to raise her voice and threaten me. I then told her she needs to send me all related documentation so I can forward to my attorney who would be in contact with her. She said she could not do that, but will send me a settlement letter, and then abruptly hung-up. 

Original voicemail is attached.
I received my first NSF fee with Chase bank in  XXXX , and on   XXXX   XXXX   I called and spoke with a representative who advised me that I should turn OFF the everyday Debit protection service. I did so. She explained to me that this would only prevent overdraft/NSF fees related to " same-time/instant POS payments using my card at a merchant '' I asked her to clarify further as to whether or not a  XXXX  withdrawal, or scheduled credit card payment, for example, could trigger a fee still, and she said that YES - even though I had turned off everyday debit protection, I would still be charged fees in the event that I had insufficient funds to pay for a scheduled debit transaction.     I complained to this agent directly on the phone on this phone call, and after I explained that her saying  " Chase can n ot control whether or not we process these payments '' was total nonsense ( my counter example was - " what if I had a scheduled debit transaction for {$100000.00} but I only had {$5.00} in my account? You 're telling me  Chase would  process that? '' ) she finally relented and said that she would leave a note in the system saying that I was not to be charged any further NSF or overdraft fees and should be made eligible for a refund if this should happen again.     Later in the year, I had another NSF fee, and it was waived no later th an 60 seconds after I started explaining what had happened.      Now,   XXXX   XXXX   XXXX  , I have tried to ca ll Chase to have  XXXX  (  XXXX ! ) NSF fe es waived, which I did not even see until yesterday as I was camping with my family.     I first called tonight at approximately   XXXX   XXXX   PT and spoke with a level  1 representative. She said she tried to process the refund but her system would  not let her process it. I was then transferred to her supervisor. He said he tried to process the refund, but was unable to. He then told me he would leave a note on my accounting saying to refund me {$100.00} if I call in a year ... A YEAR! ( After the  12-month r olling NSF refund limit rolls off ) I requested to speak with his  manager, in the hopes that the manager would be able to just credit me the refund I was told I would get NOW rather than making me wait a yea r ( I am a  XXXX  and this is my student loan money ) The " hea d manager of Cu stomer Service in the  XXXX  '' named  XXXX  tried to process the refund but was unable to. He also told me that if I called back in a year they would refund me the money.     Worse -  XXXX  told me that the agent I spoke with in   XXXX   lied to me. I said, " Okay, well she said she left a note on the system, can you please check that? '' and  XXXX  said there was NO note. Now I was upset ... I asked  XXXX  to pull the call recording and he said that they are not able to pull call recordings older than 30 days now.     How convenient, no w Chase only has  to wait 30 days to renege on their promises to customers and take more than they gave anyway.
On friday XX/XX/XXXX I transferred via XXXX XXXX from my XXXX XXXX XXXX   account to Bank of America. Bank of America put a hold on the transfer and froze the funds until XX/XX/XXXX. I had a bill pay that was set up for XX/XX/XXXX to pay my car payment ( XXXX XXXX ). Realizing that my funds that I expected to be immediately available would not be on XX/XX/XXXX I deposited a check in the amount of XXXX from XXXX XXXX to cover my car payment. On the app of BOA it states that the check deposited would cover all transactions posting on XX/XX/XXXX but that they were going to put a hold on that check also. On XX/XX/XXXX my car payment was returned I was charged a {$35.00} returned check fee from BOA and from my car company and when I called BOA to ask why were there all these holds when I had over XXXX pending to pay a simple car payment their response was that I had not developed a relationship with them and once I had transactions like this might be approved I. The future. Ive been with BOA for over a year and never had this issue. What has changed in the last two Months is I cancelled my direct deposit because I felt they were arranging transactions in orders to where I would occur a fee. Just like this situation. No one could explain why if I have over XXXX pending. I had an immediate transfer through XXXX a product they encourage you to use Boa would return my payment. Their response was I dont understand banking and maybe they will try to break it down into language Ill understand.
XXXX did not send me a copy of the original signed contract which proved when i opened the account and i did not receive the full payment history as in statements. i see no proof that my last payment was made on XXXX/XXXX/2012.