WillisBack/dataset-financial-user-claim huggingface dataset:
Dear XXXX XXXX : I apologize for contacting you but since I could not get my situation resolved through normal process. This is regarding an old checking account. I am requesting that this account be deleted from all 3 major credit bureaus ( Experian, XXXX, and XXXX ). The balance of {$160.00} was paid in full over a year ago. I realize that the account was overdrawn but I paid it like within a month. I also had similar thing happen with XXXX and they never reported anything to any credit bureaus. They only reported to XXXX. Same thing with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX or any other bank checking account, they will only report an overdrawn checking account to XXXX and perhaps XXXX XXXX then once account is paid they mark as paid in full. XXXX is the only bank that will report an overdrawn checking account the 3 major credit bureaus and refuse to delete after debt is paid. I did some research and I can not find another bank that will report overdrawn checking account to the 3 major credit bureaus ( Experian, XXXX, and XXXX ). I am not satisfied with account being marked as paid in full. I also want it deleted completely from all 3 major credit bureaus. XXXX should follow the lead of other banks. XXXX is already getting a bad reputation in XXXX market and if you dont believe me then please read online reviews. I also want to make a complaint about the branch manager XXXX XXXX. She is very unprofessional and she is dishonest about bank practices. She was trying to convince me that because FCRA that is reason that account can not be deleted from the 3 credit bureaus but that is not true. XXXX can easily delete if choose too. Like I mentioned XXXX is only bank that will report an overdrawn checking account to 3 major credit bureaus and then refuse to delete even after its been paid. I am asking for your assist please in getting a small debt that has been paid in full deleted from credit bureaus ( Experian, XXXX, and XXXX  ). If XXXX continues to refuse then I will also be forced to file a complaint with Federal Trade Commission and I will also go to my local media. Perhaps XXXX needs to be brought to the publics eye so that consumers know that XXXX is practicing in unfair practices that no other bank does. XXXX also indicated they contacted me or attempted to reach me that is no true. 

thank you
We got our washer and dryer through XXXX XXXX in XXXX, TX., and originally it was financed through GE Capital . Synchrony bank took the account over, and then sent it over to a debt collector. We did NOT receive notice of right to dispute, not have we ever received enough information to verify the ALLEGED debt. Honestly, we have not received a statement from them in over 5 years, 3 months now. I just got off the phone with them, and I asked them when the last time I made a payment was. The guy I talked to on the phone stated it was on XXXX XXXX, XXXX. 

THAT WAS AN OUT RIGHT LIE BECAUSE IT 'S NOWHERE ON MY BANK STATEMENT! 

THE LAST PAYMENTS I SEE FOR XXXX XXXX, WAS BACK IN XXXX, AND THAT 'S THE ONLY YEAR I SEE PAYMENTS FOR XXXX XXXX EVEN LISTED. The guy I talked to said that the amount was {$200.00}. SO, I SEARCHED FOR THAT AMOUNT ON MY BANK STATEMENS ON THE DATE HE GAVE ME, A {$200.00} PAYMENT WAS NOT LISTED ON THAT DATE, ANYWHERE IN THE MONTH OF XXXX. THERE WAS HOWEVER, A DEPOSIT {$200.00} MADE ON XXXX/XXXX/XXXX. 

THEY HAVE NOT BOTHERED TO GET IN TOUCH WITH ME IN OVER 5 YERAS NOW, NO CALLS, NO STATEMENTS, NO CONTACT WHAT SO EVER. TEXAS HAS A 4-YEAR STATUTE OF LIMITATIONS FOR DEBT COLLECTIONS, THEREFOR THE ALLEGED AMOUNT IS HEREBY TIME BARRED, WHICH MEANS THEY 'RE TRYING TO COLLECT ON A ZOMBIE DEBT, WHICH BY THE WAY IS ILLEGAL! FURTHERMORE, THEY HAVE EVEN ILLEGALLY RE-AGED THE DEBT TO THE CREDIT BUREAUS AS IF WERE NEW! 

AND, WHEN I CALLED THEM TODAY, I AKED THEM TO SEND ME STATEMENT COPIES OF EVERY PAYMENT THAT WAS EVER MADE, FROM THE TIME THAT I OPENED THE ACCOUNT IN XXXX, UP UNTIL NOW, AND THEY REFUSED TO DO SO! THEY TOLD ME THAT THEY COULD N'T DO THAT. WHY? 

BECAUSE IT 'S A ZOMBIE DEBT, AND THEY KNOW THAT THEY CA N'T LEGALLY COLLECT IT? 

WHY CAN THEY NOT SEND ME STATEMENT COPIES? 

ARE THEY AFRAID THAT I MIGHT FINE OUT WHAT 'S REALLY GOING ON? 

LIKE HOW THEY ARE RE-AGING THE ALLEGED DEBT SO THAT IT CAN GO ON MY CREDIT REPORT? 

OR THAT THEY LIED ABOUT WHEN THE LAST PAYMENT WAS MADE? 

OR IS IT BECAUSE IT 'S A ZOMBIE DEBT, AND THEY KNOW THEY CA N'T LEGALLY COLLECT THE ALLEGED AMOUNT THEY CLAIM I OWE? 

HMMM, SOUNDS A LITTLE FISHY TO ME!
I called on XX/XX/XXXX and tried to resolve {$5.00} mobile transaction fee that was crammed on to my on XX/XX/XXXX while I was making mobile deposit. The representative refused to refund the fee
Factor Trust request a hard inquiry from XXXX without my permission then proceed to add negative and fraudulent information on XXXX XXXX, XXXX other credit eports.
I had a direct deposit with my bank and 2 days before i was to get paid again they closed my account and has yet to give us a reason. They said they do n't have too and since they closed my account i have not been able to get and account anywhere else it 's like i have been XXXX. I just want to fined out what happened to cause all this.
I recently disputed XXXX XXXX Account XXXX with Experian for reporting incorrectly. The account was discharged in Bankruptcy XXXX/XXXX/16. The account instead was updated paid, closed with late payment history added.
Bank of America ( BofA ) has not honored a {$300.00} checking account promotion I signed up for in XXXX, and fulfilled the terms on. BofA was supposed to pay the {$300.00} bonus within 60 days of fulfilling the terms, which was over 15 days ago from this complaint. 

I have been a BofA credit card customer since XXXX. Last year, I logged into my BofA credit card account and had an offer box on the side stating a {$300.00} bonus for opening a new checking account. I clicked on the link, which took me to an application page where I then signed up. There was no promo code, only the link. I did print off the offer after following the link, which I will try to attach and which I completed all terms for the promo. 

Yesterday I did an online chat with a BofA representative ( there was no option to SM them ) to inquire, and he said he could not help me but I needed to call their main checking account number ( XXXX ) to inquire. The person there said they could not see the promo code on my account but gave me a new internal number for marking online redemption issues ( XXXX ). I then called that number, and the person refused to deal with me since it was supposedly an " internal '' number. I then asked what number I needed to call to talk with someone and submit my records ( being very clear it was a checking account issue ), and he assured me they would handle it at XXXX. When I called THAT number, it was corporate credit cards, and they said they had no jurisdiction to help me! 

It 's obvious that BofA has XXXX interest in trying to assist customers with collecting the bonus they are due based on the almost 2 hours I put in and XXXX different departments giving me the run-around! Therefore, I 've resorted to filing this federal complaint due to the sinister organizational structure BofA has erected to try to get its customers to give up on collecting any checking account bonus due. I hope CFPB, besides resolving my issue, looks into fining BofA for providing no viable due process for a customer requesting a bonus and offering to submit evidence that they had signed up for it -- particularly since BofA offered this bonus online and how " convenient '' it is for them to claim the bonus offer was not associated with the account based on the lack of any paper trail.
HUNTER WARFIELD INC placed an incorrect credit information to XXXX. 
Instead of correcting the records, they demand my personal information to correct their information. Based on the letter from them, they did n't even get my names correct. Without a paper signed by me, they called it " Verified '' to XXXX. If they can provide any paper signed by me, I 'll upload/send my driver license for your investigators to compare the signatures.
On XXXX XXXX, 2017, a sales clerk ran my credit to open a XXXX XXXX line of credit without my permission. I have since contacted XXXX XXXX and they have closed this account as being opened fraudulently. I would like TransUnion to remove the " hard inquiry '' on my credit report. TransUnion 's initial response to my request to remove this inquiry was that I contact the lender, which I have since done.
On XX/XX/2017 I made a deposit of over {$6000.00} via my mobile phone. Not knowing a hold would be placed for over 10 days. The mobile app does not tell you if a hold would be placed prior to you making the deposit. I found out after the fact. I then immediately called the bank to see if I could cancel the deposit as I could not wait 10 days. The first gentleman told me he would send it over for review and wait 24 hours. I then called the following day on XX/XX/XXXX and spoke to a young lady who told me the gentleman did not send it over and she would do it now, but I would have to wait another 24 hours and provided me with the number to follow up XXXX. I then asked her did they work on XXXX she said yes which again was a lie. I called Bank of America again today just to follow-up and was told that department was closed and the hold was now extended again! I was very upset and the gentleman I would assume to get me off the phone was like is it XXXX yet. I replied it 's not, but if the department is closed how is that going to help my situation. Bank of America needs new measure in place to advise their customers using the mobile app if a hold will be placed prior to the finalizing of the deposit. This was loan from my 401k XXXX for bills which now can not get paid of an extra 10 days have to expire. Its taking me longer to get MY money then it was for the approval and delivery of my check.
This is a formal request for a block or Deletion of XXXX XXXX XXXX ( CHECK INTO CASH ) according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of :
I am a victim of identity fraud and my information was misused to get several accounts including this one account with XXXX XXXX. I sent over numerous documentation stating that this is n't my account and they still are reporting this as my debt and they 've hired a collection agency to attempt to collect a debt that is n't mine. I have even told them to send over proof. They have sent over a contract from an attorney, that shows forged signature and will not put me in contact with the representative that witnessed this signature. This is n't my fraudulent account and this company still has n't tried to look into this matter.
Dont understand why I have this collection on my credit. False amounts being said that I owe.
I was billed {$85.00} for XXXX XXXX by XXXX XXXX XXXX that were performed for my wife XXXX 's XXXX XXXX on or around XXXX XXXX. I paid the bill through my medical savings account on XXXX/XXXX/XXXX. For some reason the payment was not recorded and before I could resolve the issue with them was sent to collections. IC System have been attempting to collect the {$85.00} from me for the past year. I have talked to IC Systems several times on the phone over the past year and have been unable to resolve the issue even though I have sent them documentation showing that the bill was paid. Every time I talk to them on the phone they post another negative report on my credit score. I know it 's just {$85.00} and I could just repay the bill again but it 's the principle of having paid my bill and still being sent to collections. I would like this resolved and the negative reports taken off my credit score. What can I do?
I used my chase/visa card to purchase close to {$50000.00} in merchandise for a company called XXXX. The site is no longer functioning, I can no longer log in, costumer service email and number are no longer being monitored, and I have no means to reaching anyone at the company. I filed a chargeback with Chase but it 's been a nightmare. They are unwilling to help me and it appears there dispute department is outsourced. Its been 45 days and I have not been helped one bit. I mailed a XXXX page document of everything I was owed but I received a letter saying my chargebacks were denied. I dont know what else to do and can not understand why they are not protecting me from companies like XXXX. There are other people who are in the same situation as me, XXXX, and they have already been refunded. Chase is just unwilling to help.
Wells Fargo Bank is not providing info to XXXX XXXX my bank info like they are requesting.
Complaint on XXXX XXXX for unauthorized pulling of my credit SHE HS LIED SO MUCH ITS UNCALLED FOR! 
Sections XXXX, and XXXX Any person knowingly and willfully obtains a consumer report under false pretenses can face criminal prosecution Section XXXX. 
I have sent paper over and over I have complained over and over to this lady and I have filled complaints over and over with all credit companies and with chase I have never applied with your company for an mortgage on XXXX XXXX, XXXX and n soft pull was done on XXXX XXXX, XXXX also an Hard Pull was done on XXXX XXXX, XXXX I have request the applications and was told to fill out these papers and it will be removed I have complained to XXXX, Consumer Credit and still this lady XXXX XXXX has lied over and over I DEMAND THESE INQUIRES BE REMOVED FROM ALL OF MY CREDIT FILES ASAP I HAVE FILLED THE LAWSUIT TO SUE YOU AND I WILL BE ASKING THAT ALL MY OUT OF POCKETS LOST MY LAWYER FEES AND OTHER DAMAGES THAT THESE HARD PULLS HAS CAUSED ME!
I have a mortgage with Nationstar they increased my escrow by almost {$1500.00} when neither my taxes or insurance went up..they bounced my escrow school tax payment that they said they paid in XX/XX/XXXX but was n't actually paid until XX/XX/XXXX..I asked in XX/XX/XXXX and sent them a note stating I wanted to pay my own taxes and insurance since I was with them over one year ..and original loan before it was sold too them that I had put 20 % down and all payments were on time ... I started sending in XX/XX/XXXX just the principal & interest..which they accepted..Then I sent in my XX/XX/XXXX payment for the same amount they said they never received it..I called on the XX/XX/XXXX for them to take the payment over the phone on XX/XX/2017 and they said wait a few days too see if the check comes in..I said I do n't want a late payment on my account I have excellent credit..The said they would n't charge a late payment ... I spoke to the escrow dept and they said no problem it will take about 7-10 days to approve my request..once I did that the online payment and the statement payment does n't match up ... They sent a letter stating my account was 30 days past due ... it has never been late ..now they put it in as a negative remark on my credit score ..I had a credit score of XXXX and now it 's XXXX down XXXX points ... I paid them {$920.00} online up from {$820.00} and they are stating my payment is over due ... the want {$970.00} ..they are making me mentally & physically ill..I do n't know what to do anymore ..I 'm on XXXX and a fixed income ... Please help..Thank you
I tried to verify the company name and license number which they were unwilling to give. I tried to verify the name and amount of the creditor which they were unwilling to give. I tried to verify the name and address of the person they were trying to contact and they were unwilling to give. I asked for the first and last name of the collector contacting me and they were unwilling to give. After repeated attempts ( asked for each piece of information 6 times ) to verify any information, they became abusive and threatening, telling me if I did n't verify my identity they could take legal action.
I was overcharged throughout XX/XX/XXXX and XX/XX/XXXX, and am possibly still being overcharged by Regions Bank on overdraft protection. I 've taken out " overdraft protection '', which is a loan that kicks in when I do write a check or checks that exceed my balance. However, I was still hit with overdraft fees, as if I was n't repaying the said overdrafts with a loan I 'm responsible for repaying. This has gone on through most of XX/XX/XXXX. I have n't over drafted this year, so I ca n't comment on where things are right now.
I had called equifax telling them that there is some enquirers on my report that i didnt to. & that I am a victim of identify, I faxed & mailed them my police report. 3 times with No response. They put a fraud block on my file when I called & I have disputed the inquires on several occasions & The inquires was never removed from my credit report. Which is attached in this complaint
XX/XX/XXXX I made a {$100.00} purchase from Coinbase.com They debited my card {$100.00}, then hours later another {$100.00}, which was unauthorized. 

Then last night XX/XX/XXXX another {$100.00} was removed from my card, I did not authorize this transaction. 

The incident on the XXXX caused three missed payments and an NSF fee from my bank of {$140.00}. 

I have canceled my credit card for fear of another unauthorized purchase. 

I contacted coinbase with multiple case numbers XXXX XXXX + XXXX + XXXX, and today for the {$100.00} case number XXXX. I have made 3 phonecalls to their support, but all they do is write up an email and send it to another level of email support, whomhave not contacted me back.
In XX/XX/XXXX, I received notice of a use tax from XXXX County Illinois of {$200.00}. On XX/XX/XXXX, I sent a letter of dispute to XXXX County. I received no reply to this letter. In XX/XX/XXXX, I received a notice from Penn Credit representing XXXX County indicating that I now owed {$230.00} for the use tax. I paid them {$230.00} on XX/XX/XXXX. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX indicating that I owed {$52.00} ( {$2.00} tax plus {$50.00} interest and penalties ). An administrative hearing was scheduled for XX/XX/XXXX. I contacted the XXXX XXXX XXXX and disputed the charges with XXXX. She told me to send an email to XXXX XXXX of Penn Credit with all relevant information. I sent 3 emails on XXXX, XXXX and XX/XX/XXXX. I received no replies. I was unable to attend the administrative hearing because my wife was discharged from the hospital as a XXXX XXXX requiring 24 hour care. I have since received a letter effectively stating that I now owe {$100.00}. I am filing a complaint regarding Penn Credit for failure to provide timely and adequate information for me to resolve this dispute. They have been completely unresponsive to my inquiries.
On or about XX/XX/2016 I received a call from Harvard Collection regarding a debt I owe to the IL Dept of Revenue. I do not dispute the debt however the original caller from Harvard Collections named XXXX pressured me to make payment with only a prepaid credit card and she would not give the address of her agency. At that time I googled the agencies address and sent a letter to them requesting I no longer receive phone calls per FDCPA. I also contacted IL Dept Rev about this as well as IL Attorney General. I had also received letter from IL Dept of Revenue stating that I could pay debt by withholding my Federal Income Tax and communicated that is the only way I can plan to resolve this debt at this time. As of XX/XX/XXXX I received another call from XXXX XXXX at Harvard Collections requesting payment. Again I have sent another letter telling them they are not compliance with my previous notificiation to only receive communication via mail. I also notified IL Dept. of Revenue and IL Attorney General. I do not dispute my debt ; however I do dispute the fact that Harvard Collections with their initial call and payment method and since I did send a letter requesting no contact by telephone and only mail I dispute this additional collections call to my home from Harvard Collections. I believe I had made clear communication to IL Dept of Revenue of my intentions to pay and if in the near future I become blessed enough to obtain the funds I owe prior to my Federal Income Tax return I will pay the debt. At this time I am making sure I have adequate funds to pay my rent and able to continue working ; but my paychecks only cover living expenses. I sleep on a mattress on the floor and I try to make ends meet by visiting food pantry and I never go out to eat ; I make make lunches ; needless to say steak and lobster is not on the menu ... .beans, peanut butter, macaroni and cheese sustain my existence. My home phone bill is barely paid and my family does not have the money to help me pay my outstanding debt. My mother is in XXXX XXXX with a not very good prognosis of survival. When I can I visit her but it does pose a hardship for my pocketbook. Your assistance with this matter is very much appreciated.
I received a solicitation from Quicken Loans for a refinance, which grossly misrepresented the facts, and was basically a lie.
Recently my identity was used to obtain fraudulent account and credit cards. A large amount of my information was exposed in recent data breaches. This resulted in fraudulent account listed on my credit report
I checked my credit report and saw an account for PROFESSIONAL DEBT for {$3500.00}, stating it was assigned to an attorney. They are threatening to sue me fore a debt I have no knowledge of and have never been contacted about.
I recieved a letter of notification that my student loan balance was {$0.00} XX/XX/XXXX. 
I recieved in the mail last week XX/XX/XXXX a letter from FMS stating that I owed {$1200.00} +XXXX+XXXX in fees. 
I paid off the full {$20000.00} My first initial thought was that I am being scammed. I 've called the dept of education and they have transferred me to several different companies. No one can seem to tell me exactly why I got this letter. 
Please help me. 

XXXX
On XXXX/XXXX/XXXX an auto loan through Wells Fargo was opened in the amount of XXXX dollars. I was in a rehabilitation center until XXXX/XXXX/XXXX and can provide documentation to prove this auto loan was by no means financed in my name or by me at all. It is a joint account, installment for 72 months and shows paid in full XXXX/XXXX/XXXX. Wells Fargo sent me an email yesterday XXXX/XXXX/XXXX stating millions of dollars have been allotted for individuals that have had an account opened in their name but was in fact fraud or identity related. I have not contacted the company due to it being paid off however with this alarming email from Wells Fargo I want it resolved in a timely manner.
In XXXX I took out a home loan with XXXX XXXX XXXX XXXX dot XXXX for $ XXXX. It has been transferred multiple times and an alleged servicer called XXXX from XXXX has been collecting payments from me but I have still not received an updated statement as required by State and Federal Law. They claim that XXXX XXXX XXXX XXXX. is the Trustee for a Trust called XXXX XXXX XXXX XXXX which owns no properties nor ever acquired my note since it was filed with the XXXX XXXX  XXXX in a Chapter 13 BK filed by the original lender XXXX XXXX. My Attorney has sent them a QRW asking them ofr certian information and they have yet to reply to it. We ask that the CFPB please get involved as soon as possible and investigate this since we believe the documents filed by them on title are fraudulent.
I have been getting numerous phone calls from XXXX as well as Portfolio Recovery Associates on a mobile number I never use for credit card applications. The number is also on the Do Not Call registry. The calls are intrusive and waste my minutes on a phone I use specifically for work.

Other numbers being used by PRA are as follows:

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