WillisBack/dataset-financial-user-claim huggingface dataset:
I was told I owed for magazines that I ordered by phone in XXXX of this year. They verified my address, and said they had a recording of me ordering the magazines. It never happened, I have never received any of the magazines, ten of them, that he said I had ordered. He was very aggressive. I told him that it was a fraudulent debt, that either they, or the company that supposedly sent me to collection, had invented this debt. I am XXXX and I think they are just trying to prey on an elderly person. I told him that if they didn't call me back within 24 hours and either have a copy of the phone call I can listen to, or cancel the phony debt, I would report them to whatever agency I could. They called me back the next day and told me the debt was cancelled, without explanation. I just want it on the record that either they or a company with which they do business is preying on the eldery and anyone else who has this experience with them should report them as well.
My credit card number was compromised and unauthorized charges appeared on my statement. I informed Elan Financial Services and a new credit card was issued. All fraudulent charges except for XXXX have been removed. I contacted Elan Financial Services several times, and customer service has not yet removed the last remaining fraudulent charge of {$140.00} made on XXXX XXXX, 2016 for " XXXX. '' I am requesting CFPB assistance as unfortunately it has been nearly one month with no removal of this unauthorized charge on my Fidelity credit card issued by Elan Financial Services.
Received debt collect bill from Account Resolution Services a debt collection agency, on XX/XX/XXXX about charges from XXXX. The provider makes no sense, I called ars twice to get more details, but they refuse to disclose info, was told i need a lawyer. I also requested in writing via snail mail who sent them this debt, no answer. I believe it is an attempt at a fraudulent collection, as i had insurance in all of XXXX, and my insurance company never received any bill from provider shown in ars collection attempt. I am asking consumer finance, to please retrieve relevant specific information about original debt, or request ars remove collection attempt, or i will take legal action.
Myself and my family were actively discouraged from applying for a loan from Navy Federal Credit Union in the late Summer of XXXX, and when we insisted, instead of the {$20000.00} I showed them I needed to pay for my university education and documentation that my family was able to pay back the loan, NFCU only approved a loan for {$10000.00}. Due to a XXXX XXXX XXXX discrimination case against a company in Mississippi, I was explicitly told by the U.S. Department of Justice not to touch the positive balance in my checking account at Navy Federal Credit Union ( Account # XXXX ), only to have the charge put through again, and my account held in negative balance ( of - {$62.00} ). But due to the DOJ 's orders, I did not touch the account until otherwise told to. In late XXXX, just a few days ago, Navy Federal Credit Union wrote off the negative balance and holds me in " not good standing '', and has threatened to close my other checking and savings account at any time, including the private loan for education made with my family. I only had a chance to use half of that {$10000.00} loan due to my XXXX. ( I would include this letter, but they have told me it will be on my XXXX XXXX statement, not due out for another 10 days. ) I believe, because Navy Federal Credit Union knew I was desperate for a loan to cover my educational expenses and solely because they knew I had a XXXX, they only offered me half the amount I needed ( assuming university would be too difficult for me with my XXXX ). I know this for a fact because the banker in the XXXX branch offered the {$20000.00} I needed, then inquired about my specific XXXX, which I declined to answer, as is my federal right, but saw my XXXX. Then, suddenly, the computer said I was only eligible to take a loan for {$10000.00}. I was desperate so I had to take what I could get.
I was call by XXXX for a debt for a jared account I was threatened over the phone but never made a complaint but i have records of paying this collection dept. XXXX took my payments for collection now 2 years later XXXX has taken up collection for jared ... this is very suspect ... that is why I am writing this statement Thank you
The company is Toyota Financing. They have me reported 30 days late for XXXX & XX/XX/XXXX. On both instances I spoke with a representative and they assured me that I would not be marked late. I have had trouble with them previously when I had my last XXXX when they reported me late in error and then removed the lateness. 

The 2 late payments was removed and then all of a sudden put back on my credit report and I noticed it when I went to apply for a house loan and they stated you have late payments on your credit report. I am very frustrated with this organization and really wish I could turn this car in and not have to deal with them going forward. 

I was also discriminated against on a phone call not to recently ago when contacting Toyota the lady was very rude and talked down to me. 

As a result of these mistakes one of my credit cards went from a credit limit of XXXX to XXXX. I really need to be compensated for this issues and really wish I did not have to deal with them anymore constant mistakes over and over again. I hope this shines a light on them. 

All three credit reporting agencies are reporting the lateness despite my disputes. 

They are also reporting my XXXX XXXX when that car has been sold already. 

Thanks,
This is the final time going to let Bank of America know that I have indeed submitted insurance information and documentation to them. It was submitted via the CFPB in XX/XX/XXXX and it was one of the complaints that BOA simply did n't read ( obviously ) and simply provided a cut and paste response. The consequence to this is that Bank of America is falsely accusing me of not paying my full mortgage, which I have been paying, and plain and simple, Bank of America is wrong, that information/documentation was provided, it 's well documented, Bank of America was just negligent in handling the information ... I 'm writing this message/complaint just as further documentation that Bank of America was provided the information and it is now up to Bank of America to make the many corrections to the account as obviously all balances are incorrect, there should be no fees, the account should be adjusted and returned to where this never occurred ...
Closed my account : XX/XX/XXXX Amount : Entire Balance My account was closed without my knowledge. When I realized, i called the walmart credit card and asked them why. They said they weren't sure, complimented how I had never missed a payment, and how it was in good standing. My credit score just went up, and I received a brand new updated card. They told me to wait for a letter to be sent because they weren't sure and had no information when I called ( XX/XX/XXXX ). So I wait and a letter arrives, I get it ( End Of XXXX ), ( name on paper is spelled incorrectly ). And the indications stated under the reasons why they closed my account are not associated with my account. So I called the Synchrony Bank ( XX/XX/XXXX ) and receive just as much info as the walmart credit card associate, he tells me that they make judgments based off a score they receive which decides if the card holder could pay back the balance. He said my score was low, which makes no sense since the lady from the walmart credit card told me my account was in good standing and i never missed a payment. So after that call ended, I called XXXX, no one answered, all automated, and i wasn't able to speak to anyone about it, there was no option that was associated with my complaint. I was making payments, and they are still charging me interest. I have been a cardholder for over a year. I've never missed a payment and always kept it in good standing, and as a reward my credit score dropped 30 points.
Since navient recently became one of my 3 loan providers they have tripled my monthly payment with no forewarning.
Im already Citibank credit card customer and applied for another one Advantage to get miles reward. The approval process went fine I was approved and received the card at my home. When I tried to activate the card I was transferred to an agent and he said I needed to send my social security card in order to activate my card. For security reasons I insisted they already had my data and I could confirm the last 4 digits but I could not send my social by mail due the risk my SSN lands in wrong hands.

They said could not do anything ... but I had my credit score hit and the account reported but I can not use the card. 
I called a second time and explained the reasons I have other Citi card and others from Other banks and never had to mail anything and worst is the form says I would aurhorize a third party to access my data and does the verification. 
As far as I know this should be before they send me the card and report the as open account in all bureaus. 
I refuse to send an information they already have and get the risk my data exposed.
I had a XXXX done on XXXX XXXX, XXXX. I received XXXX bill for this, which I promptly paid off. However, in XXXX of XXXX I received a notice from the collection company Komyatte and Casbon, P.C. that XXXX medical bills from that same XXXX had been sent to collections in XXXX of XXXX. I had NEVER received either of these XXXX bills that had gone into collection. I called Komyatte and Casbon and asked what this debt was for, since I had never heard of it. The lady I spoke with told me sometimes you do not receive bills for things and that she would send me a itemized list of what the bill was for. This did not sound normal to me, so I called the original company the debt was from. She told me what the charges were for, and that the debt was sent to collections in XXXX because of a bad address, meaning I NEVER received any bills for the debts. The first I was aware of them was after they went to collections. So I called Komyatte and Casbon back, made a payment plan, assuming this would prevent it from being reported to my credit score. The lady I spoke with said it does n't matter if I am making payments, it is still going on to show reported on my credit account as an account in collections. I then called XXXX XXXX XXXX ( the company the bill was from ) and spoke with someone who told me since it was n't my fault I never received the bill due to a bad address, that they would pull the account out of collections. However, after checking my credit score the account has now shown up on my credit score as XXXX accounts in collections. I never had a chance to pay these bills. The first I had heard about them was when they were sent to collections.
company keep calling me about another person debt on my job. They are very rude and want to argue with me when I tell them they have the wrong phone number.
I have attempted numerous times to open an online account with TD Bank via their specific link to a special offer allowing me to earn {$300.00} when I set up direct deposit after opening a TD Premier Checking account. I continually get a message stating " your identity could not be verified in the public record ''. It is not asking me detailed information. It is only asking my name, SSN, DOB, DL info, address, and source of my income ( I am a 27 year veteran and former XXXX XXXX ). They state they have no other means to verify my identity and since this account must be opened online in order to take advantage of this promotion, there is nothing they can do because " the computers won't allow it ''. Now I am on a " junk '' email list from TD Bank which emails me reminders that I did not complete my online application. My last attempt to open an account and speak to CSR was on XX/XX/2018 from XXXX-XXXX EST.
XXXX XXXX is in blatant violation of the law in their attempt to re-age an alleged debt that they claim we owe XXXX XXXX. We have not established any agreements which would allow XXXX XXXX to report that the {$390.00} debt was established on XX/XX/2018. We fully dispute this amount and would like verifiable PROOF that this amount is owed. If proof can't be provided that this debt is valid, we want all remarks removed from the CRA 's databases. Re-aging debt is a clear violation of the law and I intend to seek legal recourse for damages resulting from XXXX XXXX 's actions unless we find a solution.
To Whom It May Concern : I am writing this letter to make a complaint and have investigation done against Equifax regarding my credit report. I have called and called and called and a representative gets on the phone from Equifax not able to speak good English and I have to keep repeating myself. Not only that I have been hung up on, but I also have left messages for supervisors to contact me back regarding my SCORE and no response. The worse customer service! I paid off a home loan last year, paid creditors that were listed on my report, and etc and my credit score has not changed a bit. I am discussed with Equifax.

I dont need a copy of my credit report. I need answers! My credit score is lower than my other scores. I know fully what is going on with my credit and know that my score should be much higher. I am writing letters to the XXXX XXXX XXXX, Mayor, and anyone else that needs to be notified about Equifax behaviors. Credit scores are important in everyones ' life and to have people like this at Equifax with disrespectful and inappropriate behaviors that is handling your credit report is scaring. If I dont receive a phone call back, I will file a law suit against Equifax, which I have already spoken to an attorney!
The spelling of my name is incorrect on my Equifax credit report. I am filing a derogatory mark complaint to have this updated to the correct spelling of my legal name. The correct spelling of my name is : First Name : " XXXX '', Middle Name : " XXXX '', Last Name : " XXXX ''.
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I am disputing my credit score drop in  XXXX  points from mortgage inquiries. According to  XXXX  my on time payments are 100 %, my oldest credit line is 9 years, credit usage is 29 % and my new accounts in the last 2 years are  XXXX  and below average. I have been looking to pull more equity out of my home. I believe its current market value based off of comps is {$150000.00}. I have inquired twice with mortgage lenders,  XXXX   XXXX  and   XXXX   XXXX  . In  XXXX ,  XXXX  and  XXXX     2017 my  credit score was in the  XXXX . In  XXXX  it dropped by about  XXXX  points to about  XXXX  due to a mortgage inquiry on  XXXX   XXXX     2017. I   reached out to the agency to determine why it plummeted so far, and after hours online and on the phone posted a complaint. I did not like their terms or rates and inquired with   XXXX   XXXX   within  XXXX  weeks. I received a notice today from  XXXX   XXXX  indicating my Credit score is  XXXX . My credit wise shows it as dropping  XXXX  points to  XXXX , but will update in a week. I believe there is a major discrepancy and that while my score should have dropped a little,  XXXX  points is absurd. I have included the letters and info detailed above.
This lady called me about a settlement offer. She stated that she was from American Profit Recovery a firm that she represents. She want d all my personal information identified by me but I told her that I would need a letter stating what this matter was about. She then proceeded to start yelling and told me I would be going to jail if I did not corporate. I hung up. Then a XXXX XXXX calls later on from the same number and leaves this message.
On XX/XX/XXXX I was sent an alert from my financial institution my checking and savings accounts had been wiped clean. I learned it was done by a debt collection company based out of XXXX, NY with offices in state I reside New Jersey. XXXX XXXX XXXX was the company, I phoned and was told a summary judgement had been passed with regard to a collection agency XXXX XXXX for a charged off credit card account from XXXX. I know I should have been contacted to appear in court a supeona should have been sent registered mail for signature it was not. I also know according to FDCPA I have the right to request all of the information about this account payment history signed documents of transfer basically all information you would have from a transfer of ownership. They would not comply. Instead they probed my for more information they didnt have such as contact number employer information and vital details. I researched this collection agency/law office and they have hundreds of complaints of similar situations where they routinely operate outside the scope of the law yet it seems no action is taken. I formally request since I am unable to get the evidence I requested and they have seized all of my monies checking and savings for my housing and essentials. If they went through the proper channels I would have been notified how is it this office can operate legally.
My wife and I had first mortgage thru XXXX and loan was owned by XXXX. My wife was unemployed for nearly an year and received unemployment benefits in XX/XX/XXXX/XX/XX/XXXX. During that we were late in monthly mortgage payment to XXXX for several months and then we paid on time each month a reduced amount as stipulated. However XXXX reported to credit bureaus we were seriously delinquent for 11 month period and did not pay the mortgage at all and that is misrepresentation of the fact. This faulty data messes up the Credit score and we were unable to refinance the mortgage in XX/XX/XXXX.
Person in charge, I am writing this complaint because I have been getting harassed by DEBT RECOVERY SOLUTIONS. They have placed multiple collections on my credit report and have duplicated many of them. When asked when these medical bills went into delinquency, I was told in XX/XX/XXXX. I have always had medical insurance and not sure why they were billed. After several attempts to collect money from me and threats, theyve decided to place 9 accounts from XX/XX/XXXX on my credit report. 

Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XXXX, XXXX, XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX I have contacted this company by mail asking to delete this medical bills for my credit profiles and they have not responded. I have requested a validation of these bills and they sent me only a notice that it was in collections. They have not validated or verified these accounts. Please help me remove these accounts off my credit reports.
I have information with evidence that Suntrust Bank has a program that is being used to generate " Overdraft Fees '' in accounts that are not in the negative. They have been using this program for at least XXXX months. The program creates a " phantom '' charge which is equal to the amount in the account. This charge while not actually taking the money out of the account, fools the banking system into creating Overdraft Fees on all pending charges.This is why so many people who bank with them complain about having overdraft fees when they have plenty of money in their account. I know this is a intentional made program because it does not show up on local branch computers or on the PC/Laptop site websites. I am contacting all major Media outlets with this information. 
The Phantom charge says it is paying a bill to the account holder. No money leaves the account. This charge has no ACH reference number or place of origin, meaning that this charge is being created by Suntrust. A member of their legal team ( Who stated she was a customer relations expert ) contacted me to try and get me to release all my evidence to her. When I only gave her enough to prove my point, she said she would contact me the next day but, did not.
This is in regards to 5/3 bank checking account offer which states, " Essential Checking account must be opened between XX/XX/XXXX and XX/XX/XXXX. To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening [ criteria 1 ] AND maintain a {$500.00} minimum balance for 60 days [ criteria 2 ] ''. I called Fifth Third bank today, spoke with XXXX in XXXX, OH at XXXX, who informed me that I no longer qualify for the {$300.00} bonus because my balance had at some point fallen below {$500.00}. I explained to her that I still qualify for the offer because I completed criteria 1 and am still able to complete criteria 2 because criteria 2 does not say at what point in time criteria 2 needs to be met - For example, a certain number of days from account opening or a certain number of days from when you make the initial {$500.00} deposit. 

In my particular case, I opened a 5/3 Essential Checking account on XX/XX/XXXX and provided them with the offer code they had sent me. On XX/XX/XXXX, I made my first deposit of {$500.00} or more ( meeting criteria 1 ), then I withdrew money causing my balance to go under {$500.00} ( which I argue does not disqualify me ), and then I brought my balance back to {$500.00} on XX/XX/XXXX and have maintained it at {$500.00} or more ever since. On XX/XX/XXXX, 60 days from XX/XX/XXXX I will have completed criteria 2 and should be given {$300.00} from Fifth Third Bank. 

Had the language in the bonus offer stated, " To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening AND maintain a {$500.00} minimum balance for 60 days from the date of the first deposit of {$500.00} dollars or more '' then they would have reason to disqualify me. But that is not what it says. 

At the web address below you will find their current offer with the same language as the prior offer just different dates as to when the offer expires and current offer is {$200.00} instead of {$300.00} when I signed up : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX