WillisBack/dataset-financial-user-claim huggingface dataset:
In early 2016 I contacted Upstate Collection Center for an amount due on an account I had with the bank. The bank told me they sold the account to them. I spoke to a lady named XXXX XXXX who was in charge of the account. I informed her that I wanted to settle the account and if they would take {$1500.00} to settle. She told me call me tomorrow and I will see if the bank will take that amount, which I found weird because the bank told me that they sold the account to them. When I called her the next day she said we can settle for XXXX that is what the bank is asking for. I told her ok let me see if I can get the rest. The car in question got into an accident and was total. I went to the bank reported the incident and they advised me to call upstate collection center pay the amount we agreed upon to get the lien off the car. I called XXXX XXXX and asked her if the settlement amount was still the same XXXX, she responded yes so I told her that a gentleman named XXXX was going to call her on Friday and pay the XXXX. She stated fine not a problem. On Wednesday the insurance company called to resolve the issue and another lady answered the phone and stated that I was being billed the full amount because I did not tell her that the car was total. I said your just the collection agency collecting a debt, not the bank, the bank is the lien holder not them. I asked to speak to XXXX XXXX and she refused. I told her that we made a settlement agreement and the insurance company was going to pay them and she stated well since they are paying this is the way it is we are charging them the full amount. I told her 4 days ago I was paying and it was XXXX, her response was too bad that 's how it is like it or not. If you want the lien off you have to pay the full amount. This whole conversation taking place while XXXX was on the phone, they were shocked, I was shocked and beside myself. XXXX decided to put the account on hold until they come to terms with the agreement.
I was charged twice for a my XXXX mortgage leaving me with no money. They told me it was refunded and I have yet to see it.
I received a call from XXXX saying they were a debt collector and I needed to call them. The call was to my business line and we do not borrow money. I called them back and they claim to have removed my number, but why would they call me in the XXXX place?
I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by Capital One on XX/XX/2018 and XXXX XXXX. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with Capital One. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from Capital One and XXXX XXXX.
On tuesday XX/XX/XXXX my landlord XXXX XXXX apartments had two washers and two dryers from XXXX XXXX XXXXXXXX XXXX XXXX , XXXX, PA XXXX XXXX, installed in building number XXXX XXXX XXXX XXXX  PA. They put up a sign that said we had to use a credit or debit card and our banks would hold {$7.00} for XXXX hours than return the {$7.00} and charge the regular fee of {$1.00} per wash and per dry. I used the washer and dryer on Wednesday in which {$21.00} was taken from my bank account. I called my bank ( citizen bank ) and spoke to a customer service man named XXXX He said my money would be refunded on Thursday and I would be charged {$1.00} from each three {$7.00} that was taken from my bank account. XXXX XXXX I went ahead to wash my sick mother ; s clothes today thursday XX/XX/XXXX and was charged {$28.00} leaving a grand total of {$49.00}. I called the XXXX vendor and emailed them and they said it was the bank 's fault and XXXX the manager from Citizens bank said it was the vendor fault. I also called and emailed my landlord to no avail. I want my money back and be charged only the {$1.00} for each of the wash and dried clothes I was told I would be charged. Citizen Bank does not want to take responsibility for this. I need help. Thank you
Open a new checking account with Regions account was opened on XXXX and make ACH deposit on same day. For unknown reason my Regions online access is block and ACH was return. I called their customer service help and they said there is fraud alert i just need go to branch to verified my ID to lift the block. Went to the branch and speak with manager there provide my ID and even sign and signature card agreement but after almost an hour later manager still cant get my account unblock. Called their customer service and also online banking department they all told me to go to branch to lift the block even i told them i have done that already manager cant get account unblock. At this point i feel if they dont want my business i am gladly take my money elsewhere but Regions want to charge me {$25.00} for closing account that is under 60 days of opening. I have done nothing wrong why should i pay the penalty for their incompetence. They are the one whom block online access and also return my ACH without any justification i want them to close the account without {$25.00} penalty fee.
your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Hi there! 
this complaint is against capital one, who has repeatedly keep misusing my personal information, my address.everytime when i login to capital one my account my address always been reported wrong XXXX, NY XXXX, Which is wrong, i contacted capitalone XXXX to resolve the issue.After changing my password so many time, i am still experiencing the same problem. My address is XXXX, NYXXXXXXXX, That 's the only address i would like to have on file. The address XXXX, ny XXXX never been my address and never been a physical address. This address could be a result of identity theft.I have tried to resolve the issue with capitalone unfortunately they could n't help me. I never missed a payment. Should be a fair treatment to all of us, equal opportunity. 
my first name is XXXX, my last name is XXXX I am XXXX years old i reside at XXXX, NY XXXX .My email address is XXXX. My cell number is XXXX, this complaint was filed by my husband XXXX, on my request. For future correspondence feel free to contact my husband at XXXX and email XXXX .we both lived at the same address.
I have tried numerous times requesting for documents that Experian uses to verify this debt with XXXX XXXX XXXX  but Experian has declined to send me any information. All Experian sends me is updated credit reports but nothing else. Every dispute response is " updated ''. First letter requesting documents was XX/XX/XXXX. Second request was on XX/XX/XXXX. I sent it so early because Experian gave me my dispute results as " updated ''. The third letter was sent XX/XX/XXXX, again Experian updated the dispute result as " updated ''. My fourth letter was sent XX/XX/XXXX. After four attempts to get documents in how Experian " verified '' this account I have got nothing back.
my name is XXXX XXXX and my mothers name is XXXX XXXX. And XXXX XXXX my mother and myself agreed to start the home buying process we went to a lender through XXXX from XXXX Washington her name is XXXX XXXX and XXXX XXXX my mother and myself agreed to start the home buying process we went to a lender through XXXX from XXXX Washington her name is XXXX XXXX. At that moment we paid a credit check amount to have her overlook our credit at that moment we got preapproved for a {$270000.00} loan we found a house that we loved started the process got to the under writing portion part of the homeowners process we were set to close on XXXX XXXX of XXXX. XXXX called on XXXX XXXX stating that she ran XXXX XXXX 's credit and somehow her credit score went down XXXX points. According to XXXX XXXX 's records the statements that XXXX indicated about past due accounts on student loans is false XXXX XXXX has paperwork from the department of education stating nothing is past due. XXXX did n't say at that point we are not able to get the to the home. when XXXX XXXX spoke with her XXXX said " XXXX up the ball I did not look over paperwork correctly and I am truly sorry.
I placed an dispute onXX/XX/XXXX asking for an verification of the dispute on XX/XX/XXXX which was on a Sunday. Then on Tuesday XX/XX/XXXX I receive an email stating dispute was completed except when I tried to contact them at XXXX  it would not allow me to speak with a live representative. So how did the verify anything with no documentation
This is my last effort to resolve this matter before I pursue to taking legal action.   This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.     The company failed to satisfy validation requirements, and all the while kept on reporting the account on my credit report as though it was an accurate account with no disputes. This is a blatant violation of the Fair Debt Collection Practices Act
XXXX XXXX Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX XXXX XXXX XXXX  THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
XXXX Midland Credit Management sent me a letter claiming they were the new " owner '' of a XXXX, XXXX. credit card account in the amount of {$12000.00} but would not begin collections for 30 days. 
XXXX Midland Funding , LLC sent me a letter stating Midland Credit Management , Inc. would be collecting on an account on behalf of Midland Funding LLC. This letter also stated that because of the age of the debt, they would not sue me for the debt but would report it to credit reporting agencies. 
XXXX I sent MCM a letter requesting complete validation of this supposed debt per the FDCPA. 
XXXX MCM responded with a letter stating they received my dispute and found their information to be correct. They then stated " We are uncertain of what you are specifically disputing '' and that to further investigate they needed the following documentation : " Written explanation and documentation demonstrating any errors in our account information ''. They also claimed that I had indicated I had appointed an attorney/representative and they were requesting contact information, which is incorrect. I do not have an attorney/representative and never claimed to. 
XXXX, I sent another letter, again requesting complete validation of the account under FDCPA XXXX MCM/Midland responded with a duplicate of their previous letter without any supporting documents to their claim. So, TWICE they neglected to send me documentation validating this debt they claim I owe. 
XXXX I sent a letter via certified mail to cease communication with me under the FDCPA and Florida statute XXXX, unless they were notifying me that the matter is closed. They did not respond to this letter. 
On XXXX they illegally reported this un-validated collection account on my credit reports and illegally RE-AGED this supposed debt to XXXX XXXX, 2016, with an increased balance to {$12000.00}. 
XXXX I called XXXX to dispute the collection. " XXXX '' with XXXX refused to request written validation from Midland and refused to remove the collection from my report until it is properly validated with real documents and not just on Midland 's electronic confirmation. When I told him I would have to report this refusal to the FTC, he began to speak abusively and derisively to me, and also refused to give me his real name so that I could properly document the phone call. 
It is seriously damaging my credit in the meantime. I am still in the process of calling to dispute Midland 's collection account with with XXXX and XXXX.
I have mailed all three credit bureaus about this account reporting incomplete and inaccurate information on my credit report. Dates ( XX/XX/XXXX, and XX/XX/XXXX ) and its still getting verified without any legitimate proof of verification. I would like this account removed it is hurting my credit, Im not sure how this account remains and it is not mines, I have provided my driver license and mail stating my address and name. Account number XXXX, also I have received repsonses saying verified or updated, meaning this account was being reported inaccurate.
On XX/X/17, I deposited a check for {$940.00}, and a hold was placed on {$640.00} due to the fact that I had had multiple overdrafts in the last XXXX months. The held funds will be available on XX/XX/17. Unfortunately I have an automatic payment set up for my car insurance that is withdrawn on the eigth of every month, which because the funds were held, has overdrawn my account. I called the bank and spoke to a representative who stated that overdraft fees will be applied until the funds are released, and that there is nothing he or anyone at the company can do. I feel that this is unfair and dishonest. I deposited the funds into my account and there is enough to cover the overdraft, so there is no reason for me to be charged because the bank has chosen to hold my funds.
I went to do a withdrawal at local branch of BB & T on XXXX XXXX in XXXX, NC on Friday afternoon XX/XX/2018 XXXX for {$2400.00} and asked XXXX XXXX ( XXXX ) her to round up to XXXX. She then gave me a slip for XXXX which I signed and told her it was not correct, round up to XXXX so she did another withdrawal slip for me to sign. I asked for 2 separate envelopes, place XXXX in one and the balance in the other. I did not count the money as I left due to having a bad headache and went directly home where I live with my 2 sons and went to bed with my purse on the chair in my bedroom. Upon awakening, I called the boys into my room to talk and reminded them a person was coming for $ that I owed and removed the envelopes from my purse. I gave each XXXX of them an envelope to count. The first envelope of XXXX consisted of XXXX {$100.00} dollar bills. The other envelope had all XXXX, a XXXX and a XXXX and the amount was only XXXX. The bank shorted me {$1000.00}. I got dressed and took my XXXX year old son to the bank at XXXX. I explained what happened to the manager, XXXX XXXX, who eventually reconciled the draw and I was told nothing was amiss. I expressed my concern and need for further answers as the money never left my purse or envelope and I had gone directly home. She told me I would unfortunately not get an answer as the hurricane was coming to NC and compliance officer was unavailable until the next Monday and gave me her card. I called Monday by XXXX and left her a VM. I then went into the branch shortly after XXXX the same day to inquire and was told someone was likely coming the next day after XXXX to audit. I received a VM from the manager Tuesday stating she was calling but no further info. I called back and left another VM at XXXX. she called Wednesday around XXXX telling me her drawer was counted 3 times, no discrepancy and was given a phone number to call that was the XXXX complaint line. I called and it said the number was not valid. I called the manager again and was given a different number which I proceeded to call at XXXX and was on hold ~18 minutes from my cell phone. I called the manager after 16 minutes from a land line with my cell phone on speaker. While she was listening, the call went from recordings to a busy signal and the call was disconnected. The manager assured me she had spoken to someone and that she would try to send an email and call them back for me. To date at XXXX on XX/XX/18, I have not received any correspondence from BB & T regarding this matter.
Westlake financial is reporting to the credit bureaus that my car has been repossessed and the account is closed. I still have the car in my possession, and current on payments. They have destroyed my credit.
I have repeatedly asked for validation of this debt, and all they send is a statement with a balance owed and no details. The collection notice has been sent in XXXX. Their debt collectors have threatened me with going to court and showing up at my work. I have tried on many occasions to resolve this issue with the company, and when I ask for proof of the debt, I am either hung up on threatened. This is not my debt, I never received this card. They are enabling my ability to receive private student loans. I have been a victim of identity theft on more than one occasion and have provided FTC Complaint numbers to them and the credit bureaus. I have also filed numerous reports with postal service about not getting my mail. These people can not threaten me or continue to falsely accuse me of this debt. It needs to be removed from my credit file immediately. My XXXX account was hacked on more than one instance and my personal information was exposed. Please see attached documentation.
Bank of America charged me XXXX {$35.00} overdraft fees for debit card transactions. Bank of America has refused to reverse these charges, although it is not legal or certainly not in compliance with the regulations set forth by Dodd-Frank. The argument Bank of America is telling me by justifying these charges is the a third-party ( in this case XXXX ) has deemed its transactions as " reoccurring '' charges ; so the bank can charge overdraft fees. This is totally unacceptable and is a slippery slop to redefining " reoccurring '' charges. Suppose I visit XXXX, a grocery chain, several times a month and conduct multiple transactions. Will these now be considered " reoccurring '' charges and be processed as such? Bank of America says it has no control what it deems as a " reoccurring '' charge and this is determined by the third party. However, I do n't understand how the bank can allow a third party to determine when a transaction is processed and/or denied and then proceed to charge a fee. Does n't the bank have final say in what is approved and what is n't? Also, if XXXX is skirting the regulation what interest does Bank of America have in protecting the consumer when it can freely charge customers overdraft fees because a third-party has deemed the transaction as " reoccurring '' although the transactions are different amounts and at different points within a given time period? Either Bank of America or XXXX is taking advantage of the consumer and/or skirting financial regulation ; or the financial regulations in place have a large loophole in them that does not protect the consumer, but allows banks and private companies to determine what type of transactions they are processed without any formal regulatory framework.
On XX/XX/XXXX I received a call from XXXX XXXX XXXX threatening to sue and ruin my credit report over a {$250.00} debt I had with 5/3 Bank. Worried about my future, I paid the debt using my debit card and transaction is attached. On XX/XX/XXXX, I received a letter from XXXX XXXX about a debt balance I had of {$330.00} from 5/3 Bank from over 6 years ago. They said I had 30 days to respond or else this would go on my credit report. I called XXXX XXXX XX/XX/XXXX and they said their sister company XXXX ( law firm ) bought the balance from 5/3 bank and have been trying to reach out to me for the last 6 years. They said they would reduce the balance owed to {$250.00}, then to {$220.00}. I asked for further evidence about this debt but did not provide any more documentation. Concerned that my credit report would be impacted negatively, I paid XXXX XXXX {$220.00}. Realizing that I might have been scammed, I remembered that I had a debt collector, XXXX XXXX XXXX reached out about a debt from 5/3 Bank and paid {$250.00} on XX/XX/XXXX, the exact amount XXXX XXXX was looking for. This is when I knew I was scammed.
I have a student loan that I did take out. I am really frustrated that when i had XXXX back in 2010. I was not allowed a deferment or a forbearance becuaeI was not actively looking for a full-time job. I would like consideration to have the interest during that time and thereafter to be removed from my account and re-adjust the amount I owe. I would also like to be able to refinance at a lower rate and have it retroactive to the time of the consolidation of my loan.
I placed a security freeze on my Equifax credit file, and received written confirmation by mail that the freeze took effect XX/XX/XXXX. -- -- -- While applying for a loan, I placed a TEMPORARY lift on the freeze through the Equifax automated phone system ( XXXX ). The lift was to be effective XX/XX/XXXX through XX/XX/XXXX. 
-- -- - On XX/XX/XXXX I attempted to confirm that my security freeze had been reinstated and is currently active. Equifax provides no way, through their web site or their phone system, to simply verify if a credit freeze is in effect, or if a temporary freeze has been properly reinstated. ( The other two credit bureaus make this info very easy to obtain through their web sites. ) In frustration, I called the automated number and was informed that a temporary lift was currently in effect -- this was 3 months after the freeze should have been reinstated. The automated system told me I could place a new temporary lift that would replace the currently effective lift. I did so, making the lift effective XXXX thorough XXXX, and received a confirming email from Equifax. I called the automated number again today, XX/XX/XXXX, and was informed by the automated voice that my credit file freeze was still temporarily lifted. -- -- - After considerable searching, I found a " Customer Care '' number for a live representative ( XXXX ). The representative was polite and patient, although her sub-continent accent ( XXXX? XXXX? XXXX? ) made communication difficult. The difficulty was increased by at least two other nearby call center reps who's conversations I could clearly overhear. Apparently, Equifax spares every expense possible when it come to " Customer Care ''. I was assured by the rep that my credit file freeze has now been reinstated and I should receive written confirmation via USPS mail within five days. I can't say I'm confident. -- -- - My complaint is this : Equifax 's poor security measures caused the credit report crisis, why are they not being forced to provide a user-friendly system to place, lift and verify the current status of a credit freeze? XXXX XXXX and XXXX   provide that service, and presumably -- like Equifax -- still make a great deal of money trafficking everyone 's vital financial information.
EXPERIAN credit reporting agency refuses to remove my disputed items from my credit report. 
Item # 1 XXXX Department of Child support ( DCS ) reported incorrect information on my credit report last year ; I recently went to DCS about this issue, but they refuse to contact EXPERIAN because the case is no longer open with the courts, but they provided me with a certified copy of my payment history and a termination of child support letter. I mailed all the documents to EXPERIAN as proof that there was never any delinquency and the DCS case was also closed XX/XX/XXXX. EXPERIAN 's responded to my dispute stating that the item will now remain on my report until XX/XX/XXXX because of my updated dispute. Also, the DCS case was opened in XXXX in XXXX, but after leaving the military and moving to XXXX, XXXX took over the case. This case is over 20 years old. Account # XXXX Item # 2 I opened an auto account with XXXX XXXX in XXXX and it went into default and was sold to several collection agencies over the years. I recently filed bankruptcy to get a fresh start and I included this collection account. This account is also over 9 years old. EXPERIAN refuses to remove this item from my report. Account number XXXX Please help me!!! 

Thank you, XXXX XXXX