WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. XXXX XXXX XXXX will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. 

Back in XX/XX/XXXX spoke numerous times to XXXX XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my XXXX in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even abc financial called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card. 
Emailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered. 

XX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed. 
The cancellation letter and the amount to collect do not even match.
I ordered XXXX engines from XXXX XXXX for {$4000.00} on XXXX/XXXX/15. He instructed me tosend money through Paypal and to select the send money feature andnot the goods and services. I sent the money as instructed. The sellerdelayed the shipping and finally sent " the engines ''. When I received themThey were unusable junk. I tried to contact him to arrange shipping themback and he quit responding to me. I then contacted paypal as they offerprotection for their buyers. I spoke to the dispute department and was toldthat my dispute would have been an easier dispute if I had selected goodsand services but assured me that it was still disputable. I filed a disputeon XXXX/XXXX/15 with Paypal. The case was opened and the notes show thatthey reach out to the seller. The seller never did respond. On XXXX/XXXX/15 Ireceived notification that I lost the dispute. I reopened the case on XX/XX/2015Paypal again reached out to the seller and were unable to reach him. 
They then sent me an email that I lost the dispute again. I asked them for a detailed explanation as to why I lost the case if they had been unable to reach theseller. Their response was because I selected send money instead ofgoods and services that it became an undisputable transaction. This wasnot what was told to me and if you pull the transaction details it states onthe transaction that it is disputable. In addition to that if it was a nondisputable transaction why did they open the dispute case twice? It hasbeen brought to my attention that this seller has done this before throughPaypal and the are basically using Paypal to scam people. Paypal has beenmade aware of this and has done nothing to correct the issue. In fact theseller is still allowed to use the Paypal site. I would like to get my moneyback for this obvious scam that Paypal is allowing.
XXXX  attempted to process tge repurchase of my loan which they sent to  XXXX  as a default accidently.   XXXX   refuses to process this even being made aware that an error occured.
I have not applied for no credit cards and there is some on my report. Also on the medical issue oin 2016 was suppose to be insured
The company is falsely reporting inquiries on my credit report. I have contacted the company on numerous occasions on been place on hold for a long period of time for half time. When I have written letters they continuously say that they have verified the information. 

On my credit report is a fraud alert with the following statement since I was an id theft victim : XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX. 


When I see these inquiries pile up on my credit report, I am not convinced Experian is doing their job or have even investigated the matter. I have attached two of the letters that I have sent them. 

This is the last attempt for mediation before I would take them to court for negligence.
On XX/XX/XXXX, I had my credit pulled when applying for a Mortgage with my Employer. Upon doing so, I find your Company is reporting on my CBR with regard to my sale of my home, the account number # XXXX. I am disputing the credit reporting and your company agreed to not reporting this back in XX/XX/XXXX. Please correct these errors as soon as possible. I appreciate your attention with this matter.
I was contacted at my work number by XXXX  XXXX at XXXX CST on XX/XX/XXXX at my work telephone number. I notified the person on the phone that she was not allowed to contact me at my work number. I never gave permission or authorization to be contacted at work. I also told her orally that I am not allowed to get these kinds of calls at work. She told me that she tried to reach me and was unsuccessful so she would continue to contact me at work. I repeatedly told her she may not call my work number and she suggested that I put her on hold and go into another room. That is unacceptable and unprofessional. The person never confirmed my identity other than " Is this XXXX? '' I could have been any XXXX. She did not confirm my DOB or any other information before revealing that this was an attempt to collect a debt for past due credit card payments that were 4 payments behind.
This complaint is against United Bank. The following is a copy of the language submitted to United Bank : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA  XXXX XX/XX/XXXX United Bank XXXX XXXX XXXX. 
XXXX, VA  XXXX XXXX : ACCOUNT XXXX ( XXXX DEBIT CARD DISPUTE ) 1. My name is XXXX XXXX and I am the sole account holder for United Bank Checking Account XXXX. 

2. A XXXX  debit card was issued in conjunction with the above referenced checking account. The XXXX card number is XXXX XXXX XXXX XXXX. 

3. This is a formal dispute of purchases made with the above referenced XXXX debit card. 

4. All of the disputed purchases were made with XXXX XXXX XXXX XXXX , XXXX ( a.k.a. XXXX ). I entered into a formal contract with XXXX and I have enclosed a copy of that contract in its entirety. 

5. Section 10.3 of the contract indicates the role XXXX with respect to pet services arranged via their website. In sum, XXXX is the facilitator of payments for services provided between private parties. In accordance with the terms of the contract, XXXX transfers funds from a pet owner to a pet service provider within 48 hours after completion of the service. 

6. Each individual transaction was processed as a credit purchase. At no point in time was a pin number provided for any purchase.

7. The following purchases are formally disputed : a. {$290.00} on XX/XX/XXXX b. {$42.00} on XX/XX/XXXX c. {$42.00} on XX/XX/XXXX 8. I contacted XXXX in the middle of the services being provided via telephone and put them on notice that the Service Provider was not abiding with the terms of the contract. Despite being put on notification ( on more than one occasion ) of the contract not being adhered to, I was offered no assistance and funds were released in violation of the terms of the contract. 

9. I attempted to work with the company to resolve the issue on many occasions. I have attached my last email communication. XXXX never responded. 

I am happy to provide any additional information that would help with this matter. Please contact me via the following email address : XXXX ( note, this may be different than the email on file ). 

I look forward to hearing from you. 

Sincerely, XXXX XXXX, XXXX. 


Enclosures On XX/XX/XXXX, United Bank issued a DENIAL OF CLAIM and found that the merchant " ... has abided by the terms and conditions of the contract .... '' I continue to contend that the merchant violated our contract and was not authorized to disperse funds from my credit card until services were fully completed as defined in said contract. The merchant was on notice that its contractor was not abiding by the terms. In addition, the merchant is negligent in how it verifies the completion of contractor assignments and has yet been able to articulate how they verify the task has been completed. That is the crux of their service.
Bank Of America. 
There was fraudulent activity on my business checking account, via card number. 
I submited a claim, and after speaking with their customer service, they could not do anything immediately and wanted to sent me paperwork to dispute the charges, within XXXX business days. Unacceptable. I was forced to request a manager who could - in fact - reverse the charges that were processing, and he reassured me that when the charges actually post to the account - there would be AUTOMATIC adjustments applied to take care of the balance. I would not be negative again. 
The next day, the {$850.00} charge posted, and of course, there was no adjustment, PLUS an overdraft fee for this charge. 
I called Bank of America again ( on the XXXX of XXXX - ironically ) and their business checking and claims department were closed, and literally no one - not XXXX person I tried to contact within my XXXX hour phone call ( plus the hours I spent the day prior disputing charges and going to my local branch to get my replacement temp card ) - NO ONE could tell me anything regarding my account, because they did not have access. They could not tell me the person 's name whom I spoke with the day prior, they could not even tell me my balance, let alone what was happening with my account, because they had zero access!!! On the XXXX, Bank of America could not help me. 
This is the second time in XXXX weeks my card information had been compromised. 
I do not allow other persons to use my card, and I am very concerned about the security policies here at this bank, plus - the customer service for its business banking customers. Being overdrawn almost {$900.00} and not being able to speak to anyone about it is extremely disconcerting, and I will be pulling my money from this bank and closing my accounts immediately. I am outraged at the service I received. 
The banking associate at my local branch issued me a temp card - which began with the same XXXX digits as my last replacement - and had the same expiration year. Why would a bank issue cards with matching numbers? Is n't this making it easier for fraud? 
Why was I asked to fill out paperwork regarding charges that were clearly not mine? 
Why was I alerted by my bank about the charges - but charges were made thereafter? 
Why could I not speak to anyone regarding my account, on a holiday? So what? There are n't XXXX people in the world that are working today on behalf of their business consumers? 
As a new business, a situation like this could be crippling. I have thousands of dollars that I need to deposit to continue functioning as a business - but I can not trust my bank and I am forced to switch banks, which will not be an easy change, I can only assume.
I have disputed information with Transunion & XXXX reporting agencies The only address that needs to be listed is XXXX XXXX XXXX XXXX, XXXX, NC XXXX Credit Bureau 's are sending out information and third party information in my name for addresses, I don't reside. 

XXXX XXXX XXXX  is disputed, it's been 7-years, demand removal. 

XXXX XXXX listed since XX/XX/2011 7-years and 1-month demand removal XXXX XXXX incorrect listed 7-years, demand removal XXXX XXXX XXXX was closed in good standing, incorrect info demand removal. 

XXXX XXXX incorrect info, been on report 7-years, demand removal XXXX incorrect listed for 7-years, demand removal All XXXX XXXX XXXX accounts have been listed 7-years demand removal Credit score should be at least 700.
I just received a letter from XXXX XXXX at CITI. As far as I know I have never had a CITI bank card. They stated the amount was {$200.00} principal, {$160.00} interest and {$240.00} in fees for a total of {$610.00}. They want me to call XXXX XXXX XXXX. at XXXX, which I will not do. I see there was a lawsuit in 2016. 

Please advise. 
XXXX XXXX
Hello, The incident happens, when I make a Payment to HSBC Mortgage services the Monthly payment of $ {$2000.00}. And during the payment I made by internet 1 ) of XXXX, 2 ) XXXX, 3 ) XXXX before the mature date of which is on the XXXX of the month thereafter when I try to make a payment of XXXX into make other payment in the system appears in their computer is on maintenances but during the payments they set XXXX charge of XXXX dollars of which I consider no justifications because is not my problem they having error in their system.
On XX/XX/XXXX I summit a complaint against Pinnacle Credit Services, LLC/   XXXX   XXXX   XXXX   and they responded on  XX/XX/XXXX , I still waiting for their account to be deleted from all  XXXX  major credit bureaus, it has been more than 30-45 days and now I request to be deleted immediately.
Here is the letter that they sent.
<P/>
 XX/XX/XXXX  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   ,   XXXX   XXXX  , D.C.  XXXX  RE :   XXXX   XXXX   XXXX   XXXX    ; CFPB Case # :   XXXX   Account Number :  XXXX  Original Creditor :   XXXX   XXXX   Current Owner : Pinnacle  Credit Services , LLC Reference Number :  XXXX  Dear Sirs/Madams, This letter is in response to the Consumer Financial Protection Bureau ( CFPB ) inquiry received  XX/XX/XXXX  rega rding the above-referenced account. Pinnacle Credit Services , LLC ( Pinnacle ) currently owns the account having acquired it on  XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   
(  XXXX  ) is the servicer of this Pinnacle account and began servicing it on or about  XX/XX/XXXX .
Please note that   XXXX   takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance-related functions in order to identify, resolve and permanently correct operational deficiencies or improve upon customer concerns.
This account originated on XX/XX/XXXX  with   XXXX   XXXX  . The last payment was received on  XX/XX/XXXX . The account charged off on  XX/XX/XXXX  with a balance of {$1200.00}. The current account balance is {$1200.00}.
All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies ( also known as credit bureaus ) in the event that the account is eligible for credit reporting. Currently, this account is being reported as disputed to the   XXXX   major consumer reporting agencies on behalf of Pinnacle. However, as a courtesy, since the legal time limit for bureau reporting is approaching on this account, a request to delete the Pinnacle trade line will be submitted to the  XXXX  major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale.
 XXXX  received the multiple electronic disputes that   XXXX   XXXX   submitted through one or more consumer reporting agencies.   XXXX   has responded in a timely manner and provided the agency with information relevant to his dispute.
I purchased a vehicle from XXXX ( XXXX XXXX XXXX XXXX, XXXX SC ) in XXXX. I have had several problems with the vehicle, receiving empty promises for the issues to be fixed. Once I started to file complaints with XXXX, XXXX, etc, XXXX began sharing my credit information falsely, saying I was denied credit.
I bank with bank of America and this month they really missed my account up and I might get kicked out of my home for what they did with my rent check!! My landlord deposited my rent check in her account on XXXX XXXX, 2017 and it hit my back that evening. Well I get my check on the XXXX ( XXXX ) of the month in the amount of {$2500.00}. Bank of America bounced my rent check on the XX/XX/XXXX and when my deposit it the bank that morning I was over drawn for that rent check of {$1900.00} and some other things. Bank of America took over XXXX dollars out of my checking account to cover all the over drafts. So I ASSUMED after that they the bank PAID my rent check?? WHY ELSE WOULD THE Bank of America take the funds from my account? So now on the XX/XX/XXXX I check my checking account and to my surprise BANK OF AMERICA DEPOSITED THE XXXX FUNDS BACK INTO MY ACCOUNT???? My rent check bounced and I had to call my landlord. I went and got a XXXX dollar money order and sent it to my landlord. I called the bank and they have no answer for me.. Now that check and every other bill I have going thru this account will be over drawn. I 'm so sick of the way Bank of America has done what ever they please with you funds. They move yours funds around to make sure you over draw and those fees add up fast. I live on a fixed income. That 's how the banks get you. The banks know you have no funds to cover any of their fees until the next check.. Very disrespectful. XXXX XXXX email : XXXXXXXXXXXX address XXXX XXXX XXXX, XXXX, De. XXXX Phone : XXXX
when wells fargo took over wachovia. a line of credit was used. we had just declared bankruptcy. so this makes zero sense if we were not going to pay them taking the XXXX withdrawals out a month before. and included it in bankruptcy .... they [ wells fargo could produce nothing showing us we opened this account. I even went to their fraud dept. we were harassed and had neg info placed on our credit. we finally paid it during a divorce. this was fraud against us. 
they kept renewing the debt my conning me to make a payment this went on for 10 yrs
This complaint is in regards to my old Citibank Credit Card debt, which was turned over to XXXX XXXX XXXX XXXX. I had been paying XXXX {$140.00} per month to pay down this debt. 

On XXXX XXXX, 2017, my bank ( XXXX XXXX XXXX, XXXX, MA XXXX ) sent a check to Citibank in the amount of {$2700.00}. This check should have gone to XXXX to pay off this debt in full. This check was cashed, however, by Citibank and not forwarded to XXXX. Citibank contacted by mail, XXXX XXXX XXXX, stating they needed more information regarding who the check belonged to, etc., and sent them a copy of the cashed check. XXXX tried to fix this situation and submitted the info. they requested. XXXX never heard back from them, after repeatedly trying to contact them. I also tried calling, mailing and faxing Citibank SEVERAL times, as no one I spoke to seemed to know the telephone number of the Citibank Payment Investigation Department. 

I have contacted XXXX ( XXXX XXXX at XXXX ) and explained to him the situation, that Citibank cashed the check, which should have gone to them. He was very understanding, however, they would like to receive their payment, in full. This has impacted my credit  score, as well.
Navient has been harassing and threatening me and my parents over the past few years. They call up to 10 times a day, sometimes not telling us who they are, and often call repeatedly during the weekends. I sent Navient a cease and desist letter, and received a response from their Ombudsman 's office that all phone communication would stop ( this was done in XX/XX/XXXX ), but today my parents reported to me that they are still calling repeatedly.
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Experian and XXXX ran an unauthorized credit inquiry on me onXX/XX/XXXX
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Chase Card and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the signed agreement for this inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX
Portfolio Recovery Associates continues to send me collection notices for I debt that I do not owe. I 've advised them numerous times to stop sending me letters and they continue to send them to me. They were also calling me on my cell phone multiple times a day without my consent. I advised them at least twenty ( 20 ) times to stop and they did not. I ended up blocking their calls so I am not sure if they are still trying to call me. The latest letter is dated XXXX/XXXX/2016.
they refused to answer questions and then hung up on me at exactly XXXX. They were very rude and wouldnt explain their poloicies.
Card was lost in XXXX, I called and reported card lost. It was used ... .I called to follow up on fraud status and phone rep wanted information to " verify '' me. However, this information was account numbers from OTHER banks. 

I felt as if this was weird, why would they need my account numbers from ANOTHER bank. I felt as it was a phishing attempt. 

They said they could n't assist me without this. The call center was obviously offshore and I did n't feel secure divulging this info. 

They have my phone number ( could text codes to ), I have a phone password, or we could have used the secure messaging center through their online site. 

I hope they are handling this typre of problem without causing concern for other types of problems ... .. very unsafe.
This organization claims that they do not have written authorization to cease communications other than in writing. I will again send this information to them however, the representative said that she will continue to call until I provide banking information which will allow them to automatically withdraw funds from my account each month. I will mail the agreed payments to them however, she stated that is not good enough and she will continue to call because they do n't consider it an arrangement or agreement unless they can automatically withdraw payments from my account.
I have sent multiple letters certified to experien.com to have the bankruptcy removed as this was over 10 years ago and they have failed to do so after numerous disputes asking them to remove this from my file they have neglected to follow FCR a rules and laws. I am asking to help with this to get deleted from my file