WillisBack/dataset-financial-user-claim huggingface dataset:
Received statement from Viking Billing that they were to collect alleged damages on a XXXX car rental to the tune of {$310.00} without having any notification from XXXX Shortly thereafter they called to collect and when questioned could/would not provide any confirmatory information. Their Claim # XXXX
Just found out tonight that I have a social security variation on my Experian credit file. I called Experian and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
I signed up with student loan relief to reduce my student loan payment and I have been paying {$46.00} a month for a very long time. I was told that {$10.00} a month would be going towards my principal and the rest was the fee to pay the company for the service. I believe that they altered my information with the federal loan servicing. I was not aware that nothing was being paid and now my loan is in collections. I was never contacted because my personal information was changed somehow. I had no idea my loan was in default. Every month, the money was taken from my account. I was a victim to their scam. I want others to be aware that student loan relief is not legit. I have tried to call this company several times, with no response. I am always told, no one is available.
On XX/XX/XXXX I contacted Commonwealth Financial and spoke with XXXX and explained to him that I am not liable for the debt on accounts XXXX & XXXX. XXXX stated that these accounts resulted from a hospital visit on XX/XX/XXXX and that my insurance company denied payment. I then contacted XXXX and spoke with XXXX, I gave him the information regarding the hospital bill. After looking up my account, XXXX found that the hospital did not file a claim for an emergency room visit during my coverage period of XX/XX/XXXX to XX/XX/XXXX. XXXX then conference called XXXX at Commonwealth Financial and informed that the original client needs to show proof that they actually attempted to file a claim with the insurance within the timeframe ( 90 days in network/180 days out of network ). XXXX then replied that we would need to submit a proof of insurance - eligibility letter. XXXX faxed the required document to fax # XXXX with attention to account # XXXX. 
I called Commonwealth Financial back a few weeks later to check the status of the receipt of the proof of insurance document as well as a status of the investigation to get this issue resolved. The representative I spoke with confirmed that the document was received on XX/XX/XXXX and that they forwarded this document to the original client XXXX XXXX XXXX. After receiving this information the last 3 times I called Commonwealth Financial without any update on the status of the investigation I decided to call the original client XXXX XXXX XXXX to check on the status of this investigation. I spoke with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and she stated that there were no notes stating receipt of a proof of insurance - eligibility letter and that they do not process investigations for any accounts and that all account work is done by the collections company. XXXX then ended the call with me by transferring me while I was in the midst of asking her a question. I have been given a complete run around with this situation and I do not feel that either company is trying to help me resolve the issue at hand.
I have a resolution from Wells Fargo stating that they have committed fraud on my credit report. To this day there is false information on my credit report for four accounts that were not authorized by me. Wells Fargo has recognized the errors after three years of having to dispute this issue. But my credit report is still showing the errors.
I've requested my yearly credit report from XXXX for several years and have been unsuccessful. I've called Equifax several times and they actually tried to charge me {$14.00} for one.
APPROX 3 YEARS AGO, I PURCHASED HOUSEHOLD APPLIANCES FROM BEST BUY, TOTALING OVER {$3000.00} : I TOOK ADVATAGE OF A PROGRAM BY THE STORE WHERE I WOULD FINANCE THE TOTAL PURCHASE WITH NO MONEY DOWN, AND NO INTEREST IF MADE REGULAR MONTHLY PAYMENTS, OVER A PERIOD OF 36 MONTHS. TO QUALIFY, I HAD TO AGREE TO OPEN A CITIBANK CREDIT ACCOUNT. I ACCELERATED THE PAYMENTS AND PAID OFF THE LOAN IN LESS THAN 2 YRS. ABOUT A YEAR AFTER PAYING OFF THIS LOAN, I ALSO PURCHASED A NEW COMPUTER FOR ABOUT {$500.00}, AND AGAIN PAID OFF THE LOAN WITH NO INTEREST IN FAR LESS THAN THE ALLOWED 36 MONTHS. I WANT TO POINT OUT THAT HIS ACCOUNT WAS NEVER USED BY US FOR DAILY OR WEEKLY PURCHASES-IT WAS ONLY USED AS FAR AS I RECALL FOR THESE XXXX PURCHASES. I HAVE NOT HAD A BILL FROM THE CITIBANK-BEST CREDIT CARD IN MORE THAN 18 MONTHS. YOU CAN IMAGINE MY SURPRISE WHEN I RECEIVED A CREDIT CARD BILL FROM CITIBANK FOR {$660.00}, FOR XXXX SEPARATE SUBSCRIPTIONS TO A SPORTS CHANNEL. I IMMEDIATELY NOTIFED ; THE CREDIT CARD COMPANY THAT THIS CHARGE WAS FRAUDULENT. CITIBANK SAID THEY WOULD BEGIN AN INVESTIGATION-THAT WAS NEARLY A MONTH AGO. TODAY, I RECEIVED A SET OF QUESTIONS WHICH I WAS HAPPY TO ANSWER AND REPLY. WHAT I OBJECT TO WAS A LETTER IN THE DOCUMENTS INFORMING ME THAT THIS CITIBANK ACCOUNT WITH BEST BUY HAD BEEN CANCELLED AND I AM NOT BEING OFFERED A NEW ACCOUNT. THIS IS OBVIOUSLY A CASE OF FRAUD AND CITIBANK 'S FIRST REACTION IS TO DENY ME CREDIT BECAUSE EITHER MYSELF AND THE CREDIT CARD COMPANY HAVE BEEN DEFRAUDED. FURTHERMORE, A MINIMUM OF DUE DILIGENCE COULD HAVE CAUSED THIS PURCHASE FROM BEING MADE -- A CARD HOLDER, WITH NO PREVIOUIS USE OF THE ACCOUNT, ALL OF A SUDDEN RUNS UP OVER {$600.00} IN PURCHASES-ALL ON THE SAME DAY, AND ALL FOR THE SAME SPORTS CHANNEL.
I am complaining about an issue I have with Bank of America I have had a debt collected from my account without my authorization, it was under Legal order not knowing of this issue I contacted Bank of America. When I spoke with a representative they informed me to call the number that was on the account of withdrawal. I found out this was a collection for 7 years ago state tax I had not known about, I had to set a payment method with The state. With that being said I let them know how much they took out of my account which was going to them to resolve my issue the about was XXXX from my checking and XXXX for my savings bringing it to XXXX in total. With the department of revenue service you have to them know the amount so you can establish a payment method. Fast forward, after The department of revenue service received the check from BOA it was short and they only received XXXX. This set my plan back and I had to figure out where the rest of the money was as well as try to prevent drs putting another legal order on my account. I called Bank of America back and they explained that they charge a fee for legal orders and the money that was not sent was kept by them. I asked if the fee could be waived and they said no. Prior to signing up with BOA I was not made aware of this fee as well as the fact that they allow unauthorized charges to my account. I want the fee refunded back to my account. After making the call to BOA they then sent a book explains fees that are taken out of my account. Which is a little to late seeing that the damage was already done, this has been a headache dealing with BOA and their insensitive replys especially since Ive been a loyal consumer for over 6years.
I have not received any information verifying or validating that this account is mine. I disputed with credit bureau and the collection agency still not provide me with any information. 

I need an instrument bearing my signature stating that this account is mine. I also need a breakdown and calculation for amount claiming that I owe.
Experian Report # XXXX XX/XX/18 Personal Information : does not list my current 2 employments as stated before. I have attach proof
I contacted an A/C company ( XXXX XXXX XXXX XXXX XXXX ) for repair a few weeks ago. I spoke with them on the phone before they came and they promised they would provide a solution. The technician arrived an hour late and look a brief look at the system. He told me he was not able to fix it and walked away. I had to call another A/C company and they came over and fixed it quickly. 

The first A/C company charged me {$100.00} for the home visit. I felt this is extremely unfair because they did not provide me with any solution as promised while another A/C company fulfilled the job fast. It is very deceitful for the merchant by just collecting home visit fee without doing any real work. 

I contacted Chase for disputing this charge. The rep was not interested in my arguments at all and only said they could not help me with the claim. I felt they did not try to help me, the cardmember, work things out. They just wanted to close the case. This charge is an extremely unfair one to the cardmember and Chase chooses to not to back its customer up.
I disputed account through XXXX. I told them I never asked for an account, signed for an account, nor obligated myself in any way to an account with Lending Club. I further asked that Lending Club furnish me with any document signed by me which obligated me in any way ; and stated that I would then apologize for my apparent error and make amends. They refused, simply stated that the report was accurate and my dispute was declined. 

Wow! Things have certainly changed under the Trump Administration, but if it has come to the point where a company can arbitrarily contact Mr./Mrs./Ms./Miss private citizen and not only threaten to, but actually do, ruin their credit and attempt to extort money from them without having any proof that said person actually did, in fact, obligate themselves to the Company, then it is time for LEGAL ACTION. However, I shall wait to hear from you first.

I demand the following : 1 ) a letter of apology from Lending Club 2 ) deletion of the aforementioned erroneous credit reporting form all 3 major credit bureaus 3 ) or a copy of the proof where I signed, obligating myself to XXXX XXXX for this alleged {$19000.00} for account # XXXX allegedly opened on XX/XX/2017. They can't because NO SUCH DOCUMENT EXISTS. They are simply trying to take advantage of a XXXX XXXX Vet.
I applied for refinancing home loan with Quicken. To reduce payments and pay some bills. I went through months of providing information and talking to many different people who were to take you to next step. I was told this the answers would be quick. After furnishing all information sometimes twice and paying fee. Getting appraisal, Title and Insurance. Told closing would be set in next 72 hrs. I took off work and then nothing from them. I contacted them to see what was the delay and was told loan was denied. I spent so much time effort and fees ans was given every assurance this would close then just be told " denied '' I 've written and complained asking for explanation. Ive re none. Please help.
Transunion is reporting a balance of {$1600.00} on an XXXX account. This is wrong the balance is {$0.00}.
In my credit report, it shows my brother information and mine. I think my brother and I are mix together. Some information are my brother. Please help me to correct my credit report. My phone number is XXXX. If any information want to know, connect me. Thank you!
Debt was settled for lesser amount. Collection agency refused to remove debt from credit report after collecting and verbally agreeing on settlement. Debt company received settlement payment and refused to remove debt or list debt as settled.
On XXXX XXXX, 2017 I opened a checking account at BBVA Compass. A few days later they closed the account without warning. I had n't yet used the account other than successfully depositing the required {$25.00} opening deposit. As of XXXX XXXX, 2017, they have yet to return the {$25.00} to me. Despite my three phone calls made to BBVA, they have n't made any attempts to give me back my money or give me an estimate for when I should expect either a mailed check or when I can go into my local branch to have the funds returned to me in person.
I spoke to a customer service representative over the phone ( recorded conversation ) regarding a medical bill I had for ~ {$700.00}. She told me that once I paid them, they actually offered me a settlement amount, they would update the debt as being reconciled and have the collection item removed from my credit. Upon me paying them, I believe on XX/XX/2017, I received updates from the credit bureaus stating that the collection item is open the very next day. I receive credit report update alerts. 

I called to follow up with them to have this problem fixed, and they are n't honoring what they told me. 

I just want the company to update my credit report per our agreement.
I am filing this complaint using information obtained from XXXX credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
This company claims to be a law firm representing XXXX XXXX XXXX. They have called my place of employment and left a voicemail detailing an alleged debt on our public voicemail box. They also call my cell phone multiple times a day, becoming confrontational bordering on aggressive when we have spoken. I have explained to them that I closed my account with XXXX and should not have been charged, nor should I have an account in collections. I have blocked several numbers but continue to receive calls from them regularly.
I applied for a Kohls credit card and they declined me based on the decision that it could of been fraud. I called them after I applied to get a decision they should of known it was not fraud. I recently called them back to at least have the inquiry removed since they did not attempt to give me credit and was told there was nothing they will do. How can a company pull your credit which puts a inquiry on it and they did not even check if i qualify for credit.
A new credit card sent to me via US Postal Service never reached me ; it was stolen from the mail and used fraudulently for over {$17000.00} in purchases in two days, XX/XX/XXXX and XX/XX/2018. It was supposed to have been mailed on XXXX XXXX and to be received by XX/XX/XXXX. I called several times between XXXX XXXX and XX/XX/XXXX about it ( because I had been hoping to use it for an expense due by XX/XX/XXXX, and I was traveling XX/XX/XXXX-XX/XX/XXXX ). When I returned from that trip and saw that my card had not arrived in the mail as promised and expected, I called and was sent a new card ( via courier service ) with a new card number. I did not know about the fraudulent charges until I received the first bill for the card, in early XXXX, showing a credit balance instead of showing the almost {$4500.00} I had charged and did owe. I called to ask about the " credit '' and stated that I wanted to pay what was due because I had made the charges ; they told me to wait for the next bill. I was told that an investigation was underway, and I was given a " security credit '' for some of the fraudulent charges, which totaled more than my authentic charges - hence the " credit balance '' situation on the first bill. Now I have received the second bill, and I see that the security credits have all been reversed and Citi Bank is saying that I am liable for the purchases. I had no idea that over {$17000.00} had been charged fraudulently, until I saw this bill showing the reversal of all the security credits. They never contacted me about this, except for one call from a woman in the investigation department. I later tried multiple times to reach her, leaving her messages with no response - as well as calling customer service, security, and the fraud department multiple times about the problem, and being told I should contact that same woman. Today I went into my local Citi branch and asked for help in contacting the right people to resolve this. On the phone, I was told that that woman no longer works for the department and that my case has been assigned to someone else. Neither the woman nor the newly assigned man ever contacted me after that initial call I had with her. I was not even in XXXX, the city where the fraudulent charges were made, on XX/XX/XXXX ; I was flying home to XXXX from XXXX XXXX California. I definitely did not receive the card that was used for fraudulent charges, did not make the fraudulent charges, and should not be held responsible for the charges. I would appreciate your assistance in having Citi restore the " security credits '' so that I am responsible for the charges I did make on the card I did receive, but not for the charges made fraudulently on the charge I didn't receive.
XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late.
4. XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.
Earlier this summer of 2017, XXXX ( an agent located in call center Colorado ) and I agreed on a final balance due XXXX of {$46.00} after a discontinuance of the internet service ; however, XXXX continually sent me an incorrect balance, a larger-billed amount of {$56.00}. XXXX then decided to send my closed account to a collection agency named Diversified Consultants , Inc., who now reported the wrong amount and info on my credit files with all three major reporting agencies that negatively affecting my FICO scores unfairly. 
I have requested that XXXX & Diversified Consultants do promptly research and correct the balance as previously agreed, as I 'm more than ready to make a payment to XXXX or Diversified Consultants for {$46.00} as previously agreed. Subsequently, I request for written assurance that collection remarks which wrongly affect my credit score with all reporting agencies to be promptly removed. 

Thank you for cooperation from all involved parties
I purchased a {$5000.00} CD for 1.24 % from People 's United Bank on XX/XX/XXXX which was scheduled to expire XX/XX/XXXX. I received a phone call from the bank representative about a week before the expiration telling me that I could roll over the CD at the going rate, or close out the CD and come into the bank with ID to collect the money due. I was about ten days " late '' when I went to the bank and was told that I could not close out the CD and it's earnings without a fee of {$100.00} which is more than the {$80.00} the CD earned AND that the CD was automatically renewed, but at a rate of 0.04 %! The bank representative asked me why I did not respond to the letter sent to me with this information but NO LETTER was ever received AND the banker who called me never told me that the renewal rate on the roll over would drop from 1.24 % to 0.04 %.

I believe I should have received a letter explicitly stating that the rate would drop and the bank person should have told me this. I asked to simply change the CD to a better rate but the bank refuses. This is not proper. I would like to file a formal complaint against People 's United Bank.
I have filed the XXXX with all 3 agencies, XXXX XXXX and XXXX won't show any credit report, and experian wants me to pay {$4.00} a month to get credit reports from all 3, and will not show my FCIO score from them individually. Only Experian showed my inquiries. XXXX and XXXX out right denied any information.
As result of the reported XXXX XXXX hack at Equifax, unfortunately, my name and personal information is part of that XXXX. I have been trying for a few days now to contact Equifax XXXX via website and available phone numbers ) and request a " credit freeze '' -- unfortunately, I am not able to process the request through their website and can not get through to any customer service person to assist me in this matter.
My wife & I had a FHA backed XXXX yr mortage serviced by XXXX XXXX XXXX, signed in XXXX, XXXX. We filed for Chapter XXXX bankruptcy protection in XXXX XXXX, including our mortgage in the filing. All mortgage payments & arrearages were being serviced per our Trustee 's Agreement on time, & without prejudice, even as we attempted to refinance our mortgage to a much more advantageous rate. We finally found someone to do an FHA Streamline on our mortgage, when we were informed that XXXX XXXX XXXX filed an insurance claim in XXXX XXXX against our FHA MIP due to our loan " being delinquent. '' Our mortgage was then " picked up '' by Caliber Home Loans, whom we were informed would be our new loan servicer. We were also told we no longer had an FHA Loan, according to Caliber. We have no idea how we could be taken out of our FHA loan-preventing our Streamline Refinance- & put into some " XXXX status '' as we were informed that our mortgage is now in. In addition, we are still paying FHA MIP payments in our mortgage payments on our mortgage since Caliber took over our mortgage, as well as we have yet to have our mortgage payments be reduced after a significant drop in our homeowners policy as well.