WillisBack/dataset-financial-user-claim huggingface dataset:
I closed an XXXX account after XXXX XXXX XXXX over-charged my account for the 6 months that I had the account open. Every month I asked about the account XXXX XXXX XXXX said I would receive a refund the following month but I never did. I paid in full and closed the XXXX XXXX XXXX account, and opened a new account with a local ISP. 3 Months later XXXX XXXX XXXX sent my account to collections for XXXX additional months of service after I closed the account. I told them I closed the account, but they said they could n't do anything because it was already in collection. I could n't access my XXXX XXXX XXXX account and they would n't send me the bills. The account hit my credit reports in XX/XX/XXXX. In XXXX I successfully disputed the account with the credit reporting agencies. In XX/XX/XXXX another collection company posted the same collection account from XXXX XXXX XXXX in XX/XX/XXXX. I never new about this until XX/XX/XXXX, when I started the house buying process. Now in order to get a mortgage I need the account to be re-removed. I have started the dispute process with all XXXX credit reporting agencies, and XXXX has removed the account, but I have n't heard from the other XXXX. Are new collection companies allowed to re-post an old disputed collection again? Can you please help me so I can purchase a new home? I have never even had so much as a late payment on account before.
Hello, Today, XX/XX/XXXX, I received a phone call from " ARA, Inc. '' telephone number XXXX. The guy on the phone stated that I owe XXXX XXXX Bank -XXXX card {$6400.00}, which was a total that included balance and interest. The guy also mentioned to settle the account " Right AWAY '' with him via phone for {$2400.00} and that he will waive all the interest and charges fee. I replied by saying " NO, I do n't owe anyone anything, and I do n't recall that information. '' He said that this account was open XX/XX/XXXX. 

After that, he put me on hold and transferred me to another guy named XXXX XXXX, he wanted to settle the case for {$1400.00} if I provide him with my credit card information otherwise they will take me to court and sue me for total amount {$6400.00} plus attorney fees which will be over {$10000.00} total. 

The guy I spoke to has ALL my information such as the last XXXX digits of my SS number and my wife 's information. He also has my bank name and how much credit I have with XXXX Credit Card. He was forcing me to give him the information otherwise tomorrow morning, they will charge my credit card for {$6400.00} because they have some legal rights to do this. He told me to " Think about it '' and that this " this {$1400.00} offer is just for TODAY only '' and he will call me later. 

I received a call later from a different telephone number, XXXX, XXXX, from XXXX XXXX XXXX. I told him to send me a paper statement with this issue and he hung up the phone. 

I spoke to one of your representatives, Bureau of Consumer Financial Protection, I told her about what had happened, she said this issue seems like a fraud case and this claim is too old due to the statute of limitation in XXXX is XXXX years and now I am living in XXXX and the statute of limitation is XXXX years, if they take you to court, go to court and show the judge the statute of limitation for XXXX states. She also mentioned to file a complaint with you, Bureau of Consumer Financial Protection. 

Please I request you to look into this matter as soon as possible. 
Thank you so much.
In XX/XX/2017 i sent XXXX XXXX XXXX a letter staying that I was not responsible for a XXXX acct with a balance of XXXX. I received a statement and ending balance for this XXXX acct but they failed to provide a contract with my signature showing that the acct belonged to me and removed the debt from all credit bureaus. I see that they have added this acct back to the credit bureaus with no warning and explanation. They have continually failed to provide a signed contract with my name on it and I am requesting that the acct be removed entirely.
Over 14 years ago my wife XXXX XXXX XXXX applied for a Capital One Credit Card. She was granted a {$6000.00} credit limit and when the card arrived there was an offer for an authorized user to have a card as well. We sent in for one for me and I received it a couple of weeks later. For all this time I have not been able to speak to any one about this account without my wife 's approval and it does not show up on my Capital One on line account. I recently discovered that Capital One is reporting this as a joint account. I called in and their records indicate this is a joint account. I asked for my name to be removed as I believe it is wrong to report an authorized user as a co-applicant. ( I have another account that I applied for that is just the opposite, I am the applicant and she is an authorized user that is being reported incorrectly, but I 'll get through this one first ). The only way they will not remove my name. The only way to get it corrected is to close the account and pay it off. This is unfair to XXXX who received the credit on her own and there has never been a missed payment. Also I am stuck in a debt I did not apply for. I believe their records have been modified over the years and are incorrect. I would ask for proof that I was a co-applicant and if they can not demonstrate this I want my name removed and the account to remain open.
I contacted an original creditor ( XXXX XXXX ) to pay a debt. The creditor told me the amount owed and I paid it. I was told that my debt was paid in full and I was not responsible for any other amounts. I have record of this conversation and the payment. That creditor then sold some other portion of the debt that I, believing the debt was paid in full, was not informed of and not given the opportunity to pay, to a collection agency. The original creditor acknowledges their representative made a mistake ( according to the supervisor I spoke to, the representative I had talked to misquoted the amount I owed, leaving me with an unpaid balance ) and that I had every reason to believe the debt was paid, but offers no solution other than for me to pay the collection that was unfairly placed on my credit report. I know that simply paying the collection will not remove it from my credit report and it will remain for XXXX years even after payment. I feel there has been some violation of rights here. Can you offer any advice?
Instance one : At the time of taking out the loans Navient ( XXXX XXXX ) would not state what my interest rate was while I was still a student even though interest was being accrued. By the time I graduated with a XXXX-year degree and began repayment, the accrued interest was already $ XXXX. 

Instance Two : I graduated from XXXX University in XXXX  of XX/XX/XXXX.  Navient ( then XXXX XXXX ) refused me an income-based repayment plan forcing me into deferment. Once able, I began making interest-only payments of about $ XXXX/month because I could not afford interest/principle payments of about $ XXXX/month. I was XXXX and working XXXX part-time jobs. This went on until 2014 when my interest-only plan expired. At this time they finally agreed to an income-based repayment plan which lowered my monthly payments and interest rate and increased the life span of the loan by 30 years. 

Instance three : My parents co-signed on one of my loans. I have tried on two serperate occasions to release them. Although I make my payments on time each month we were denied. 

Instance four : I am currently set-up for reoccurring payments. On 3 different occasions Navient has notified me of past due payments on the XX/XX/XXXXof the month even though my payments are scheduled for automatic deduction on the XX/XX/XXXX. I have paid immediately to stay current only to have my bank account overdraft by 2nd payment deduction on my due date.
My friend wrote me a personal check from his Bank of America checking account. He left the payee line blank. When I walked into Bank of America 's XXXX XXXX XXXX, XXXX, MO XXXX office at XXXX on XXXX XXXX, 2015 to cash the check the bank teller and a female branch manager both refused to honor it. They stated that " Federal Reserve regulations prohibit us from accepting the check ''. My understanding of banking laws is that when the payee line is blank, the bank may ask me to fill in my name, endorse the back of the check, or show proof of ID but may not refuse to honor the check. Please advise.
My wallet and debit card was stolen a couple weeks ago. I just got a letter in the mail from chase from XX/XX/18 stating they are closing both my checking and savings accounts. 

It says there was a fraudulent check deposited on my account. But i never deposited anything onto my account. Also all my money is missing from my account. 

As if sleeping in my car wasn't hard enough already.
This is a complaint about transactions denied due to insufficient funds, involving BNY Mellon ( d.b.a. XXXX, an XXXX provider ). 
On XXXX XXXX, 2016, a health care provider ( XXXX XXXX ) attempted to run a charge against my XXXX account via debit card, for more funds than were in the account at the time. The charge was denied, which makes sense. 
Later that day, I looked at my XXXX account online and found that the " denied '' charge had actually translated to a debit of {$300.00}, which was all the money in the account at the time of the transaction. This transaction number had a unique identifier, Claim # XXXX. 
Eventually, BNY Mellon/XXXX voided that transaction, and it no longer appears in the customer interface I can see on the web. However, there was a period of approximately six days when this debit remained on the books. 
I called BNY Mellon/XXXX on XXXX XXXX, 2016, and was told by a customer service representative that this is " normal business ''. I was specifically told that when an XXXX debit card transaction is denied, the funds in the account may be " in limbo '' for 3-5 business days while things are straightened out. 
I do n't know if this practice is in violation of banking law or not, but it seems like it should be. It sounds to me like BNY Mellon/XXXX is processing debits immediately, but delaying credits for 3-5 business days, and possibly benefiting from interest in the mean time. 
This is my XXXX complaint about BNY Mellon/XXXX, the first being Case number : XXXX. This particular institution seems to be operating on the fringes of legal behavior. I 'd appreciate it if the CFPB could bring their resources to bear on the problem. 

Thanks, XXXX XXXX
This is very simple. My payments were set to draw every  XXXX  of the month -- been paying it on time every month for about 7 years. My wife and I decided that we were finally in a position to get aggressive paying off our loans. The one problem we had was that payments were drawn on the  XXXX ,  XXXX , and  XXXX  of each month. I realized we had a chance to pay off in full everything on the  XXXX  and then if we could move the  XXXX  payment to the  XXXX  or  XXXX  -- all ACS loans -- we would know how much surplus we had each month and would make additional payments simpler for us to make. So I first called all  XXXX  of our credit card providers to synchronize those payments to the  XXXX  week of the month. No problem, this was easily completed in less than  XXXX  hour. Then I called ACS in early   XXXX   XXXX   They said on the phone the  XXXX  or  XXXX  were simply NOT options. The best they could do was the  XXXX . But I had to send them a email, they simply could NOT start the change based on my phone call to them. Ok, I complied. Their bounce back email said a response said : " We will respond to your message in  XXXX  -  XXXX  business days ''. This statement is false. Probably a delay tactic by ACS. I waited for over a week before they replied on the  XXXX  of  XXXX  that they had to wait until the  XXXX  payment processed and then they would " ask '' the lender if it was possible. I do n't understand how I can make every payment on time, even at times when my wife and I were actually losing money month over month and then make a very simple request and yet get treated so terribly. If they ca n't do it, fine -- tell me that when I call in!!  ACS  is a deplorable institution engaged in fraud and deceit and they should be held accountable, as I would be if I failed to make those monthly payments.
I got a letter in the mail from XXXX XXXX XXXX and XXXX XXXX about the data breach that occurred in XXXX. I tried to log into the site they sent and I could not verify my identity because the questions did not apply to me. I called Equifax and they could not verify my identity either. I contacted consumerfinance.gov and they told me to file a complaint. The questions that are asked to verify my identity do not apply to me. I am worried about my ID being stolen.
I had a checking account with Chase Bank. The account was closed by them after I deposited a check through there online app. the check never cleared and they are now trying to charge me for this check.
I returned XXXX items to Kay jewlers in the XXXX XXXX, CA mall on XXXX/XXXX/16. Sales person assured me that the money was instantly refunded. Card is still stating a balance of {$2700.00}. The balance owed should be {$0.00} since I no longer have the purchased items. {$0.00} in merchandise = {$0.00} owed. Please correct the {$2.00}, XXXX balance on my account to {$0.00} immediately, as I should no longer have a balance as all merchandise was returned. I called four different times and all four times the people on the phone assured me that they will send a ticket to the XXXX or it department and they will set the balance to {$0.00} since I returned all purchased merchandise.
I 've never lived in XXXX XXXX so that address XXXX XXXX is incorrect. I 've stayed in XXXX all of my life. XXXX XXXX does n't serve my area, therefore, the collection is not mine
I have attempted to correct this issue with XXXX XXXX XXXX. I have not done service with this company since last year and canceled the account with XXXX balance. for some reason they have sent this account to Diversified Consultnts stating that I owe {$620.00}. I do not owe this amount.
XXXX and Equifax continues to respond that they have verified and inaccurate bankruptcy on reporting on the file they maintain under my social security number. I have provided proper identification according to FCRA 610 ( a ) ( i ) which is my notarized social security card, passport, and utility bills ( see attached ). 

Therefore I have filed a standardized affidavit of identity theft FTC report ( attached ) in compliance of FCRA 609 ( d ) ( 1 ). I made both companies aware that according to FCRA 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification any and all accounts they report on my credit report. Otherwise anyone paying for their report services could fax, mail, or email in fraudulent information. 

The letter from the courthouse both companies listed is attached states that it did not provide either companies with my full social according to section 1681 ( a ) ( 5 ), making this a violation of my privacy laws of the FCRA and identity. 

XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable.
ARA Inc contacted me regarding a XXXX XXXX XXXX personal line of credit Acct. I did not own. They stressed to me If I dont make arrangements today They would place it on my credit report. It was stated to me the last XXXX ssn digits were mine and the bank is always accurate. I felt some uncertainty about it and I never dealt with XXXX XXXX XXXX. She stated they bought the acct from a previous owner.
On XXXX/XXXX/16, I disputed the XXXX account on the Equifax credit bureau, account number XXXX. I was but am no longer an authorized user and I want this account deleted. Equifax responds by reporting this account as a " reinvestigation '' which is not accurate as this was the first investigation. I called Equifax about this and they said there is nothing that they can do and refused to help me delete this authorized user account or change the dispute wording.
I started paying Navient. They said after 9 on time payments my tax refund would be released to me to file. I had set up automatic payments and they didn't take 2 in a row so I called and payed. They said it wasn't good enough and with held my refund again. Then I get letters from 3 different companies saying the now own my loans and to make arrangements for a lower fee. They tried to raise my payment by {$150.00} a month while I was filling social security XXXX. My loans continue to soar in finance charges and interest. I'm currently filing bankruptcy because I've been undergoing treatment for a type of XXXX XXXX. I'm not sure where to turn I feel as if I'll never be debt free or on track with my student loans before I XXXX XXXX. The interest on my loans has more then doubled the original loan and there is no hope. I received a letter years ago stating I owed {$0.00} on my student loans when Obama took office so I'm curious what happened.
Following inquiries on my report are not mine and fraudulent ... 

Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
XXXX XXXX, 2015 I received a XXXX page document from Southwest Credit Systems, L.P. stating that a delinquent account they claim is allegedly mine in the amount of {$310.00} for an apparent XXXX XXXX XXXX cell phone bill. On XXXX XXXX, 2015 I spoke with a representative who went by the name of XXXX. I requested for XXXX to re-verify the account was in deed mine. He claimed that his firm had already validated the debt by using my address. I attempted to explain to him and disputed the debt was not mine. I also requested he cross reference my social security number, middle initial, any previous addresses and the phone number that is in question. He stated that his firm had already done so. He then suggested to transfer me to the customer care dept. Immediately after the transfer I was disconnected. I believe that at the date and time of this call that the account was disputed. After several days of not hearing back from anyone associated with Southwest Credit Systems , L.P . I sent a letter disputing the same and included any and all information required to verify this account. On XXXX XXXX, 2015 I called back to Southwest Credit Systems. I spoke to a supervisor by the name of XXXX. She confirmed to me that the firm had indeed received my letter, however the account was still confirmed as mine. I explained to XXXX this call was an attempt to resolve the matter before the 30 day period of notice ends on XXXX XXXX 2015. I explained that I would seek to remedy this matter with legal action. After attempting to request for her to verify the debt as legitimate. She claimed the debt had in fact been verified. I called back approx. ( 1 ) hour later and spoke to a XXXX in the customer care dept. After not being able to get anything resolved and talking over each other I asked to speak to a supervisor. After a brief hold XXXX returned to the call and stated, " they said to take your number and someone would call you back. I question that comment due to the fact that all incoming calls and phone numbers are identified. With no other course of action I ended the call. This company filed the collection account to all three major credit reporting agencies on or before the XXXX of XXXX. Without making any attempts to contact me to verify the account. They have stated on more than several occasions and from different representatives that the account had been verified as belonging to me. Southwest Credit Systems has also failed to submit to my request for information documented in the XXXX XXXX letter ( see attached ). In addition they have violated the FDCPA statue [ 15 USC 1692e ] section ( 2 ) ( a ) and ( b ). Southwest Credit System failed to do due diligence in investigating and confirming the account was in deed mine and only used my personal home address in their verification process.
I purchase furniture with Citi Visa Card and paid card off immediately. 
When delivered, was damaged and I refused as per the sellers instructions. 
Seller received the returned furniture and told Citi Credit card company returning funds. I could not get Citi to return the funds so made a dispute. 
Citi has stated that the funds would not be available till XXXX XXXX, 2016. 
I need funds immediately to purchase furniture and they have refused. 
Have not filed a complaint with Court, yet.
XXXX XXXX XXXX Sold my collection to XXXX XXXX whom which i paid in full XXXX XXXX XXXX is reporting on my credit report a Balance of {$590.00} i would like for this to be remove from my credit report immediatly.
This company still refuses to pay the bonus that I should have received for opening a Choice Checking Account with them on XX/XX/2018. Despite repeated efforts of following up and demanding this bonus, they didn't pay it out. Now they claim that I didn't sign up for that promotion-that I clicked the wrong link when I signed up for the Choice Checking Account. This is completely contradicted by a message that they sent to me on XX/XX/XXXX saying that I should receive the {$200.00} bonus six to eight weeks after maintaining a {$1500.00} balance in their account for 90 days. They have lied over and over again, and still not paid me this bonus. I just in the past week initiated a transfer of my {$1500.00} balance at XXXX to my CHase bank and am still waiting on receiving that, but I still am owed that {$200.00} bonus they should have paid me by no later than XX/XX/XXXX according to their own XX/XX/XXXX message.
The information about my personal identity and all financial history was illegally obtained by a 3-rd party via Equifax data breach. The knowledge about the breach was not released to a general public until much later. 
Equifax has mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website.
Approximately 2 years ago, Navient ( formerly XXXX ) sent me documents to fill out regarding my total/permanent XXXX status. I was to complete the documents and submit them to Navient 's partner, XXXX, which I did. 

The purpose for this was to allow XXXX to determine whether in their opinion I was totally XXXX, as was both Social Security 's and the Federal Department of Education 's opinions. 

XXXX agreed as well, but told me that the final decision, based on XXXX XXXX 's findings, would be up to Navient. 

Naivet agreed to my XXXX status, and removed me from any further responsibility for the loan payments - leaving them all to my co-signer. 

However, Navient did not and will not remove the outstanding debt still owed from my credit report. 

It seems to me that if I am removed from ALL FURTHER responsibility for this debt, I should also have the total outstanding debt remaining to be paid removed from my credit reports as well. 

In attempting to sort this out with Navient, all I ever get is their reply that " Their records are correct. '' I thoroughly disagree because how can a debt I have NO responsibility for continue to be listed on my credit reports as if I DO still have responsibility for this debt. Of course it does n't look good to creditors to think I am that much more in debt when I am not. 

I want Navient to discontinue reporting this debt on my credit bureau reports because legally THIS IS NO LONGER MY DEBT. 

Thank you for your assistance. 

XXXX XXXX