WillisBack/dataset-financial-user-claim huggingface dataset:
Good morning, I have been finally reviewing all my Best Buy bills, and I realized that I have been charged for a Debt Protection program I never signed up for. ( I believe it Started XX/XX/2009 and I have been charged {$35.00} a month ) I can hardly make payments as it is, so I know I would never agree to this service.

In the past I've always had a hard time logging into Best Buys online statements, because it's never been user friendly. I'm finally able to break down all my charges to see a fee that does not belong there. I have assumed it was interest charges in the past.

I contacted Best Buy, and they referred me to XXXX XXXX XXXX. XXXX XXXX XXXX stopped the service and said they would review my case. They never reviewed it, because I was denied before I got the paper work. My rejection letter came in before the paperwork to fill out.

I would like to know how a charge would start appearing without my consent. I also read online that other parties were affected, and might be part of the data-breach from years ago.

Also Best Buy refuses to respond to my emails!!!!!!!!
I logged into Mercedes Benz Financial website to pay my car payment on XX/XX/XXXX, for a payment which was was due on XX/XX/XXXX. Their system indicated that I was due for two payments, ie that I was past due for a payment. In a panic, I paid the double payment, and emailed them to inquire why, if I was past due from the previous month, they had not contacted me. After making the payment, I went to my bank account, and discovered the previous months payment had been deducted from my account on XXXX XXXX, 2016. I emailed MBF this fact, but never heard from them on Monday. Finally I called customer service, and spoke to XXXX, ( last name unknown ) who explained, that their " NEW '' system, realizing that XX/XX/XXXX was a Saturday, and knowing that they place a 24 hour processing and additional 24 hour handling delay on payments, and because it was the weekend, they would just show it as due for 2 payments, because there was no way for their system to accept payment timely, even though at the time of my inquiry, I was only due for a single payment. In addition, when i discovered this I requested a refund of the unneeded payment, but was informed there would be an extensive delay to accommodate that request. I think this is deceptive and inaccurate servicing which has harmed me by mental anguish and financial harm. I have leased Mercedes for the past 15 years, but that is over now. XXXX XXXX
Equifax security has been breached, resulting in compromised personal details ( including social security numbers and other financial information ) of millions of people, including my own. The company must be held accountable for the sharing of private information of millions of consumers.
Against : XXXX illegal credit reporting The collection agency has violated the Fair Debt Collection Practices Act. Has never communicated with me, I am requesting proof that they communicated with me if they are claiming so ( mail tracking, etc ). A collection agency can create a letter, at anytime, back date it, and falsely claim that they have sent it to the consumer. This has become common practice for collection agencies which they conveniently " do not have any proof that the consumer was notified ''. As a consumer I never had the chance to ask for proof of Debt or communication with this company. As a part of this claim, I am willing to provide concrete proof, legal documents which show that I lived and worked in a US Territory.
XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( Experian, XXXX, XXXX ) that I owe a balance of {$180.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. This trade-line CAN NOT be 'written off ' and have a balance and is CLEARLY in violation of federal law ( s ). The guidelines afforded to me, a litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
I 've disputed child support enforcement account # XXXX going on 5 times before, I 've provide full official documentation from my county clerks office, the official account history keeper, showing every payment I 've made since XX/XX/XXXX-XX/XX/XXXX without missing a single payment since the day I was ordered to begin paying child support, XXXX and XXXX, have fixed the account listed above accordingly and in my favor since I have proof, XXXX seems to not care about my proof and has failed to fix this issue. There response is always we are working on it or the documentation you 've provided is not sufficient, how ca n't it not be sufficient when it comes straight from the XXXX county Clerks Office. Please help, I 've attached complete 7 year history of payments from day 1 till now, plus a separate month statement XX/XX/XXXX to be exact, according to XXXX I failed to pay on that month, and lastly a couple transcripts from web chats with child support agents, where I clearly state my case with them about this error and they acknowledge no delinquencies on my account. Thanks
I have maintained a Best Buy Mastercard through Citibank for almost 10 years. This year I failed to receive my card at renewal time. After I emailed customer service, they informed me that they would send out another card. I chaulked it up as that they had forgotten to send out the new card. I even saw the annual membership fee of {$59.00} bill to my statement. I called the customer service about 14 days later to be told that the card had been mailed out with an expiration date of XXXX 2015. I asked why would I receive a card that was only good for a few weeks. The representative then tells me that the card was not renewed. I asked why did n't I receive a notice as required by law by the Fair Credit Reporting Act. She then placed me on hold to speak to her supervisor. She came back to the phone to tell me I would receive one 14 business days. Again I asked why did I get billed the renewal fee. She stated she would remove that fee. I then requested to close that account. She stated she would but I would have to reapply to open it. I stated you guys were going to close it anyway. 
My complaint is that they did n't supply the required legal notice that the account was being closed until I inquired.
I had requested an expedited external transfer for an additional {$7.00} fee on XXXX/XXXX/2015. However, TD Bank failed to mention that the fee would be deducted from my account a few hours AFTER the transfer had been complete ( industry standard practice is to deduct the fee immediately ). This caused me to fall below my minimum daily balance of {$100.00} by {$7.00} ( to {$93.00} ). I immediately transferred an additional {$15.00} to the account just to be safe and avoid a fee for dropping below my minimum balance. However, I was charged {$15.00} on XXXX/XXXX/15 ( XXXX! What XXXX! ) for falling below my minimum balance for less than 72 hours. I feel that the bank intentionally delayed the deduction of the {$7.00} transfer fee in order to collect an additional {$15.00} fee. I had called them and they gave me a typical, pre-scripted response, and claimed that they were unable to help me.
XXXX 2017 XXXX credit card reward certificate {$370.00} Was never printed in my XX/XX/2017 statement. Ive asked to have one sent me bc it never was. XXXX said they cant reissue. Really your going to keep my {$370.00} dollars?? I want my certificate reissued this is a scam. They dont put the certificate in the statement on purspose and keep you money
After the Equifax breach or all of our personal info, I read an article put out by the XXXX Association of Realtors warning of the calamities in the housing, mortgage & credit markets that is soon to come when so many of us will have fraudulent charges to deal with. The article directed to an Equifax website that would explain how to put a credit freeze on all 3 credit reporting agencies. I went there and they had a message saying how they were swamped with requests and could not currently have the online request for available but gave a phone number to do it instead. When I called the phone number, the person said they were not set up to take freeze requests. WAhen I asked what number was, the person put me on hold to ask. When he came back he said it was impossible. Everyone has to do it online. I went online to do some more investigation. I found out that the freeze requests are being taken by a 3rd party  company who asks for your full information, including basically all that was lost by Equifax in their hack scandal in the first place. I ca n't see how making consumers risk one more place to have their info get hacked and stolen online is any kind of a solution toward safeguarding their jeopardized credit form a company in which they have no control over how that company uses or does n't safeguard their info. This is outlandish. What can be done? Apart form that concern is another ... .If someone does not have a computer or access to one, they can not be compelled to comply with online requests being the only option. Handicapped or poor people have to be accommodated in another way! Please respond.
On or about XXXX/XXXX/16 and offer and acceptance was asked and granted on real estate in XXXX XXXX XXXX. The loan is a VA and loan application for property was submitted to Arvest Bank in XXXX XXXX, XXXX. The problem begins here ; the VA appraisal request was submitted to the VA Regional Office in XXXX, XXXX on XXXX/XXXX/16 and was due back by XXXX/XXXX/16. As of this date XXXX/XXXX/16 it has not been submitted to the bank or the VA, even though XXXX XXXX, and XXXX XXXX were on the real property, inspected the home and outlying buildings on XXXX/XXXX/16. The bank misspoke when I was told that the request for VA was given on XXXX/XXXX/16 for appraisal. The situation has cost me money, delayed shipping/moving problems with contract carrier, storage costs and extension of money spent in an apartment without hardly any of my household goods, including limited clothing. All of the belongings are in storage. The seller is having the same problems. 
The appraiser, XXXX XXXX and XXXX XXXX need to be dealt with. I have left several messages ( XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX to no avail. They have not returned any calls. I have filed a complaint with the VA in XXXX and assured me that the appraisers have violated the time constraints established by their dept. The bank, Arvest has not been forthcoming in their communications with me and are of partial fault in my thinking, due to a lack of communication and misspoken facts on the loan time and closing date. It was originally to be XXXX XXXX, 2016.
On X/XX/17 I purchased a Used XXXX XXXX XXXX XXXX through XXXX on XXXX, XXXX XXXX XXXX XXXX, XXXX, IL. They applied for financing for me through BMO Harris Bank. The amount financed was XXXX at an interest rate of 5.14 %. Since then I have called the BMO Harris Auto Loan customer service number XXXX to find out what the pay-out amount of my loan is because I want to refinance the loan through my credit union. Neither through the automated system or by talking to an agent has BMO Harris been able to give me that amount. The agents have told me that my loan is not yet in the system. Today I spoke with a supervisor, XXXX XXXX XXXX, who told me that it can take 4 weeks to " book '' the loan. I got the loan exactly 4 weeks today. He told me there is nothing he can do to speed up the process and that there is no way that I can go to a branch office today to pay off the loan. 
I 'm angry because BMO Harris is charging me their high rate of interest during this time that I wish to have already paid off my loan but can not.
I REQUESTED FROM EQUIFAX TO REMOVE AN ADDRESS ( XXXX XXXX , XXXX XXXX, NY XXXX ) FROM MY CREDIT BECAUSE I`VE NOTLIVED THERE AND INQUIRIES THAT WAS NOT AUTHORIZED BY ME. 
XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ;
XXXX pages of documents attached clearly explains my complaint. 

Please instruct HSBC to comply with the FCRA law and amend their reporting and remove past reports.
Our Loan Officer, XXXX XXXX, Mortgage Consultant XXXX # XXXX, with Consumer Real Estate Finance Company. 
Has been more than usual rude, disrespectful, condescending, non-communicative, etc .... with us the clients, as well as with our Agent. 
Our agent called us a few days ago to inform us about his behavior with her. 
We informed her that he does have a tendency to sound and act unprofessional. 
So today, I was confused about a email we received and wanted to asks him a question and he exploded on me with his condescending manner and he basically said do n't call me I will call you if I wish to.
This whole ordeal started when I decided to pull my credit report to learn about what was being reported on me. I noticed a lot of accounts on my report that did not belong to me. I immediately froze my report and begin to work to get accounts removed. I contacted XXXX on a number of occasions to have this account removed and was advised it was turned over to Diversified Consultants. I contacted Diversified Consultants who disregarded the fact that I've never held an account with XXXX, they advised the only way they would remove the account was to pay. I was transferred to a manager, XXXX, who advised I could them and the account would be removed. I made payment out of my checking account on XX/XX/2018, afterwards I was told I would receive a letter and that the account would be removed since it was not my account. This was and is the only collection account on my credit report so I felt in order to avoid the headache of fighting to remove the account I should just pay it since they agreed to delete the account. After the payment cleared my account, I call several times and asked for them to email me the letter they promised to send and advised them that the account had not been deleted as promised. Instead of deleting the account, they updated the account to show it was opened in XX/XX/2018 which is completely false. They took my money and affected my credit far worst than before. I contacted XXXX who confirmed I have no balance owed to them and they advised they have no control on what Diversified reports but they did advise they would request them to honor their promise to delete this false reporting.
I am not sure if it is the right category. 

It 's a debt with XXXX that dates back from 2010. The debt was the last bill emitted by XXXX XX/XX/2010 when my wife XXXX XXXX XXXX was living at XXXX XXXX XXXX # XXXX XXXX IL. The last bill ended up through a collection agency at the end of the XXXX. We payed it XX/XX/2010 as soon as we were made aware of it. We did not have a permanent address for 3 months which explains the lack of awareness for that last XXXX bill. 

XXXX decided to invoice XXXX with late fees after the bill was paid through the collection agency, They failed to try to contact us by other means than letters. 
Late fees have been accumulating on top of each other for the last 6 years without any of our knowledge. 

We are currently trying to refinance our home, this is affecfting her credit. I just found out that we had that debt collection on my wife name. We called the collection agency and paid it, the amount was for XXXX and they have been charging late fees monthly for the last 6 yrs. XXXX never tried to called my wife since 2010 even though her phone number on record was still valid. 
They just sent it straight to the collection agency. 

The issue is with XXXX, not the collection agency
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my  local FBI field agenct office in XXXX XXXX to report these accounts.
I have a visa credit card the I thought was a regular consumer card but when i got my last statement that raised my interest rate from 13 % to 29.99 % I found out that i have a business credit card which is n't what i asked for. 
The bank raised my interest rate because i had received my bill late during XXXX but when i did get it i opened it up and saw that it was late I took straight to the closest branch and told them what happened and paid it. They suggested that I contact customer service which I did. 
After contacting fifth third bank customer service and having them see I had never been late plus what happened they said ok and even took the late charge off. 
So according to everything I discussed with them everything was ok but this month i got my bill and saw the 16 % interest rate increase. 
So i called customer service to try to see what was going on. I talked with a service representative and told her what had happened. She said that was not normal to raise a rate that much on XXXX late payment especially once she saw i had never been late before. After about 5 minutes she told me what had happened. It seemed that i had a business credit card and not a regular XXXX which meant that the rules were different and strict so they could do that to a business account. 
I had a business account and credit card with 5th 3rd but because of the service I close the business account and was going to close the business credit card account and when I told them that they said that they would give me a regular account if I kept it open which I did and they gave me a new credit card with just my name on it and not the name of my company.
I have notified CCCS on several occasions that I do not owe to XXXX. They just refuse to dispute the debt on my behalf.
I am a XXXX male that own his home that have no liens or missed payment and is current on all my accounts and the credit agencies keep giving me bad scores because I am XXXX.
MACYS XXXX : XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation. 
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification MACYS is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
in 2013 i picked up an upgrade i phone was not satisfied and contacted XXXX XXXX XXXX and i was told to bring everything back and did so do to there 100 % customer satisfaction .when doing so representative said it was not possible and i ask to speak to manager witch also said the same.. contacted customer service and asked to speak to manager they said they were sending a box to return never got the box .then when i would call they would put me on hold and give me the run around got tired of playing there game and cancelled service ..they are bullies and because they have a contract that is null and void do to there actions of FRAUD this item was removed from my credit report ..and now is back on and needs to be removed do to FRAUD by XXXX XXXX XXXX by not standing by there word..
I received communication from Discover Card that they had removed or discontinued some sort of consumer protection service from my account that I had no idea had been activated. When I researched the issue, they had been charging me for more than 50 months for something I knew nothing about. When I called to have them remove the charges from the card, they said they would only remove 6 months worth. I asked them to produce some form of documentation showing where I had signed up for the service and they could not. I would like those fees refunded.
I had a credit balance on my credit card of {$330.00}, and I made a purchase of {$320.00}. Unknown to me at the time of the purchase, the credit card had just issued me a check for {$330.00} and I no longer had a credit balance. It was months later when I figured out I had an overdue balance on the account instead of a credit balance. When I knew this I called the credit card, and we figured out what happened. I made the payment that day of {$320.00} and the credit card was supposed to credit me the fees due to misunderstanding/communication. Now two months later they are still charging me late fees and interest on the fees. They also reported to the credit agency my lack of payment ... even though I did not know I did not have a credit balance. They have been very difficult to deal with. I would like the remainder of fees paid back to me and anything issued to credit agencies removed.