WillisBack/dataset-financial-user-claim huggingface dataset:
I made a deposit into my account and Wells Fargo give me a few and the deposit was enough to cover the charge. I have my deposit receipt for the account I place the funds into due to me not have my primary checking acct debit card because of fraud on the account ending in XXXX. I deposited and than transferred the funds from my secondary acct ending in XXXX. I will not be paying any overdraft fees due to me placing the fund into my account. All of my debit card are suppose to access all of my personal accounts however they do not due to my debit cards being replace and features not being keep. Once again where is my {$120000.00} that is missing. I still am waiting on my taxes documents.
An ambulance company ( nobody now is clear on whether it was XXXX XXXX in XXXX XXXX, from XXXX ; or XXXX, from XXXX ; anyway ... ) sold a debt to Grant Mercantile Agency ( XXXX XXXX XXXX ; XXXX, CA XXXX ; XXXX ). If in fact I was in an ambulance of theirs for any reason, and that is indeed how they collected my information, the point is, I have had XXXX since XXXX and they would have covered any ambulance pick-up or transport -- THIS IS NOT MY DEBT! I had insurance, they knew it, and I never should have been personally billed.
This is not a Duplicate. 

I have tried to escalate this matter to Equifax multiple times without success on XXXX XXXX XXXX Account XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XXXX/XXXX/XXXX - XXXX USPS Certified mail - XXXX/XXXX/XXXX - XXXX I have tried bringing this to Equifax multiple times notifying them that the Collector agent did not validate this account within the 30days required by the FDCPA and Equifax repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for Equifax XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX This account showed up on my credit report on XXXX, XXXX for a balance of {$670.00}. This current Equifax report on XXXX XXXX, XXXX Confirmation XXXX and XXXX XXXX, XXXX Confirmation XXXX both states a repetitive response that Equifax verified this account to be a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XXXX XXXX, XXXX. I have a copy of my lease which I 'm attaching. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XXXX XXXX, XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.
Equifax intentionally creates false issues with their online system to evade providing free annual reports as required by law. This is done to manipulate online traffic flows into purchasing a monthly plan for {$19.00}. Their homepage is a landing page to offer these overpriced services. They stuff the link to request your free credit report in barely readable 8pt font in the footer, hoping to exhaust visitors into enrolling in their plan instead. 

Once you actually find the link and proceed with requesting your free report you jump though hoops only to discover that they are " UNABLE TO PROVIDE IT ONLINE '' and that you are required to send them your social security card and various information in the mail to obtain it. Attached is evidence of this. 

Furthermore, I have been attempting to dispute a fraudulent collection on my report and Equifax 's system is unable to handle it online, again. They then direct me to a manual link to reenter my information and then request the Account / Case Number for the dispute which can only be obtained from the credit report that you can not access. They identify consumers attempting to fix their credit via AI and then they segment them into having these issues that exhaust them into a purchase. I bet their conversion rates are quite good. 

Do you see what is happening here? They are attempting to force consumers to purchase their monthly program in order to dispute inaccuracies. 

I feel that a class action lawsuit may be necessary for Equifax 's manipulative and unethical business practices. Because of my industry knowledge, I can easily see the unethical marketing patterns that are being used to take advantage of consumers.
I signed up for a CitiGold checking account and was supposed to be awarded XXXX Thank You points under a promotion at the time after meeting certain requirements. I met all of the requirements and confirmed with Citi that I had done so. I waited the required amount of time to receive the points and was given nothing. I made multiple attempts to notify Citi and was repeatedly given boilerplate responses that did not address my issue. Finally, after escalation, I was told they did not give me my points because they did not have a XXXX on file from me, something which was never mentioned or sent to me upon signing up. I received the XXXX form they sent to me, filled it out, and sent it back. Nothing happened. I then called to see why there was an issue, and I was informed that they closed my CitiGold checking account. I was told the only way they could escalate my issue of missing points was to reopen the account, which would take several business days. That was over two weeks ago. I then called in today and was told no changes were made to the account, and that if I wanted to receive the promotion I would need to reapply for the entire checking account again. I asked for this issue to be resolved without me having to file a CFPB, but the customer representative said she would not be able to do that.
XX/XX/XXXX, I was made aware of an old daycare bill that was in collections. The total amount, with fees included was {$470.00}. ( The original amount due to the provider was about half that. ) I paid {$200.00} down, and set up a payment arrangement for {$28.00} a month for ten months.I paid the debt by following the payment arrangement and was recently contacted by a representative of the company to pay an additional {$100.00}. I do not owe this debt. When I told him that he threatened to seize property, garnish my wages, or let the courts decide. This very same debt is also listed on my credit report by XXXX for the original {$470.00} and I told him about that as well. He stated that he does n't know who that company is or why the original debt is listed twice. I told him many times that the debt was paid in full and he kept threatening these things. I 'm so distraught over this issue that I 'm physically ill. It 's not about the {$100.00} that he claims is due, it 's the way I was treated, by him, during the call. I know that this debt is paid in full and he harrassed and threatened me until I finally told him to take it to court because I am disputing the validity of the debt. I 'm thoroughly disappointed with the lack of respect and his refusal to hear what I was saying. I have bank statements to support that the debt is satisfied. I 'm not sure what my next step should be in this, but I know he is n't right in what he 's trying to do. I believe in doing the right thing and I have paid this debt.
i had called to stop several automatic payment withdrawls from my checking account. they had also missed one when i spelled out the name for him. he said they would show up pending when the withdrew, as he explained then the following day after i checked to see if the fell of they came in as miscellaneous items, i called the customer service department again they couldnt access the files, he said what some companys do is re submit them again under different amounts and that they put in a coverage rate and that they would fall off by XXXX the next business day well they paid them anyhow the ones i wanted stop payment on and the missed one that i even spelled it out for the representive, who was discouraged that he had to enter these stop payments when i called customer service she couldnt answer me that she could file a complaint that they dont record individual conversations in to whom we spoke with. i asked then so since i was a bank error would i have to pay overdraft fees until i have the money and she replied yes, but she said it wasnt a banking error.so now i am overdrafted no money and cant keep up with the overdarft fees
On XXXX I noticed my bank of america checking account had a balance of XXXX and immediately called the bank. The rep alleged there had been irregularities on the account that needed to be investigated and so the account had been frozen. They did not provide any details about the said irregularities and would n't indicate when the investigations would begin or end, so I had no idea when I would be able to access my funds. 

I went into a local bank to see if I could get any more information and a bank staff theorized it may have been an issue with a check deposit someone made in my account a few weeks back, but he could n't say for sure. Around XXXX, I get a letter in the mail that my credit card account with bank of america had been closed, and I needed to pay off any balance, which I did immediately. Again, I called the bank to find out what was going on with my checking account and now my credit card and got no explanation. 

Today, XXXX, I get 2 letters in the mail from bank of america. One containing a check for my balance prior to the account freeze and the other a letter stating my account had been closed following a 'careful review of my account '. There was no rationale provided, instead, a threat stating the bank may report the account to chexsystems or early warning services, which may affect my ability to open another for 5 years. 

Both my checking and credit card accounts have been in good standing since I opened them with the bank. I have neither missed a credit card payment, nor, to be best of my knowledge, have I been overdrawn or delinquent with my checking account. While I understand the bank has a right to close their account the same way I do, they held my money hostage for over a month and eventually closed my account with no explanations. They did not even have the decency to apologize for any inconvenience caused by denying me access to my funds for over a month. Instead, they chose to threaten to adversely affect my life for the next 5 years, without ever explaining the rationale. 

I also understand the bank my not be required to provide a reason for closing my account, but I need to understand how I can be sure they are treating me fairly, and not targeting me for some reason.
In XX/XX/XXXX, I performed a balance transfer to Discover Card with a creditscore of approximately XXXX. XXXX months later Discover has issuedan 18.99 % interest rate. My credit score is now XXXX. I have XXXX creditcards, of which XXXX I cancelled ; A gold card XXXX with a balance of {$470.00} with unlimited purchase, a XXXX card with a balance of {$780.00}. 
I have another active and initial purchase range to {$17000.00}. 
Amex/Costco card with purchasing up to {$14000.00}, a balance of XXXX. 
After I inquired about the high interest rate, Discover sent me anemail on XX/XX/XXXX stating it had increased my credit limit an additional {$3100.00} ; and in an initial conversation stated it would lower my futurepurchases to 16 % +. I declined! In the initial offering for a balancetransfer, it stated the interest would be XXXX to XXXX. One might expect with nearvery good to excellent credit, the lower rate would apply, and anythingwithin theupper limits might apply to anyone with alower/riskier score. After numerous conversations to ascertain whymy interest rate was so high and having a present credit score of XXXX, what was the rationale that warranted the high interest juxtapose to the10.99 %. Discover sent me another email with thesereasons ; % of balances is to credit limits is too high on revolvingaccounts ; Too many accounts with balances ; Proportion of loan balances toloan amounts is too high.Yet, Discover is willing to increase my credit limit an additional {$3100.00}. Obviously my credit score and Discover 's desire to lend me morecontradicts these assertions. After you have read this, if you need. I have the email sentadditional information is needed, please contact me. I have the emailfrom Discover regarding the credit card limit increase, etc. 
XXXX XXXX
I sent FMS a letter ( attached ) asking them to provide proof of debt. ( delivery confirmation attached ) because I had received a letter from FMS saying they are attempting to collect a debt and that I need to respond within 30 days, ( letter attached ) which I did. They sent me a letter stating that they would and that all debt collection would cease until debt verification ( letter attached ). I still have not received proof that this debt belongs to me and they have now started reporting this debt on my credit report. 

They are in violation of fcra.
I want a copy of my mortgage promissory note with the foreclosure stamp that Wells Fargo did.
I paid off my car loan with Santander Consumer with a agreed payoff. I received a letter which I can provide with the agreement information, I payed the agreed payment but on my credit report they are reporting account paid with charge off/ write off amount. Obviously this is drastically hurting my credit and prohibiting me from obtaining any type of loan. The reporting from them is completely inaccurate and a direct breach of contract. I have contact Santander several times and they keep stating they have no record of my account or social security number so they cant help me. Their practices are totally unethical and I could only imagine illegal. I would appreciate any help with getting this properly fixed.
XXXX XXXX closed my account without any notice / warning due to " Inactivity, '' and it dropped my credit score 7 points ( 4 pts with XXXX XXXX, and 3 pts with Equifax ) I understand that if I close an account that it will have a negative impact on my credit score. In a case where the creditor closes an account in excellent standing because the card holder is being responsible, and keeping the card for emergencies only ( At 26.99 % APR ) it seems extremely unfair to penalize the cardholder. As I said, there wasn't even a hint that XXXX XXXX was closing the account. I work very hard to maintain an excellent credit rating, as is reflected in my report, and I find it very disturbing that a creditor can undo that, despite having had no issues other than " Inactivity. '' I have contacted both Equifax and XXXX XXXX about this issue, and was told that there is nothing they can do because it was " A change to my account, '' regardless of who caused it.
On  X/XX/17    i attempted to log on to lay my credit card bill with  capitol one.  The mobile site i use to make this monthly payment was down. The link said the mobile site was down and that i should try again shortly, upon trying again the site was still down and now i have been charged a late fee that i should not have to pay
XXXX and Equifax show in my credit report that a XXXX revolving credit card account is Open. That is wrong. The account is CLOSED. I have complained about this several times.
XX/XX/2018, I placed a PayPal order for {$24.00}. The seller was supposed to have sent a tracking number 10 days after the original purchase. This seller has not and neither has he replied to me regarding this purchase. 

Representatives with PayPal had promised me a refund of {$24.00} because the tracking number was never received. 

This was a statement three days ago.

Now PayPal is continuing to wait to hear from the dealer even though there is no proof this order is being sent.

PayPal refuses to honor the sellers agreement with me.
XXXX XXXX AND AOriginal creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX representative came to my house and sold me a vision security contract. 
Their representative wrote on the contract that I would get1. Lower rate than my current provider2. One month free3. XXXX ( {$50.00} ) referral for my neighbor ( see attached ) When I did not get them, I faxed a desire to cancel ( see attached ) Complained to the BBB XXXX see attached ) Never were reimbursed for overlapping fees for XXXX security companies, as they advised the BBBComplained to the State of Utah XXXX see attached ) They never cancelled the contract and still holds me for the debt of the contract as if I had not paid for the entire XXXX year term!
Dear TransUnion, Please remove the following name from my report as it does not belong to me and is being reported in error : Wrong Name : XXXX XXXX. Attached you will find a copy of my state issued drivers license. I will wait for an updated copy of my credit FILE to reflect this change. Thank you in advance. Sincerely, XXXX XXXX.
On XX/XX/XXXX I received a letter dated XX/XX/XXXX detailing that WITHOUT my consent XXXX   placed a fraud alert on all 3 credit bureaus. Despite my XX/XX/XXXX calls, Experian refused to ask qualifying questions required to remove the alert to this bureau, thereby violating the FCRA even though XXXX agreed to process removal to their bureau.
I recently went into Bank of America 's branch that is located in XXXX, TX to deposit two claim checks that was made payable to both me and my mortgage company. One check was from XXXX and the other was a XXXX check. The mortgage company endorsed the checks and I went in to deposit them to my checking account. Where I was told by the branch manager that they could not take the checks because they were a third party check. The XXXX check was drawn from a Bank of America account. Called customer service and they said that all claims checks were a third party check and Bank of America would not accept that. The checks were dual signatures checks requiring two signatures, I do not believe that these are a third party check. They would not take the checks, not even put them into my account with a hold till the checks cleared.
The Complaint that I have is with CAVALRY PORTFOLIO SERVICES. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with CAVALRY PORTFOLIO SERVICES. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.
I pulled my credit report and came to found a Collection account Whit the name of mid west recovery I have tried talking to them but not getting response I have send my dispute for the bureau and nothing I have also noticed lots of inquiries on my as recant as yesterday which is not mine Please help me get my credit back on track
I was not properly notified of debt. I was not given the chance to dispute the validity of the debt.
I was told by the primary party in this matter to submit papers for a Deed in Lieu and obtain a payoff from a XXXX source. Everything was done as asked, all papers submitted along with the payoff information, before the end of XXXX 2014. I initiated contact because I had not heard from the primary company. I have talked to at least XXXX different people each time I 've called who all gave me different information ( additional papers that had not been received and needed to be faxed in ). I was finally told the XXXX week of XXXX, after communicating with the other representatives, that I would need to re-submit all papers again because the ones I submitted had expired. How do they expire when they have them setting who knows because no one seem to know what 's going on. I was even told by XXXX of the representatives that all of the documents had been received, and I asked what I needed to do next or what would happen next. He could only give me the name of the person in charge of the department and told me to call back XXXX to see what might be going on. 
I resubmitted the packet again ( XXXX pages of XXXX ) numbered.After submitting the papers by fax as asked, and calling XXXX days later at their request to confirm that the packet had been received, I was once again told that they did n't receive XXXX of the papers. I numbered each page and the page that they claimed they did not receive was page XXXX of XXXX. I was also told to call the second party again and get a payoff amount and have them fax that to them. After talking to the representative of the XXXX party, she confirmed that she faxed the information to the XXXX party back on XXXX XXXX, 2014 as I had asked her to do via the XXXX party 's request. I seem to keep getting the run around and can never talked to XXXX person who maybe able to keep up with what 's really happening with my account. The representatives of the XXXX party are rude and it seems impossible for me to get this matter taken care of and closed. XXXX. I 'm to my wits end and need some intervention, please.
On XX/XX/2018 I attempted to access Bank of America 's ( BofA 's ) online banking as usual, but I was presented with a modal dialog about whether I wanted to receive legal notices by mail. The dialog could not be dismissed or cancelled. 

I had previously informed BofA numerous times that I wanted to continue receiving statements and legal notices by mail. 

In large bold text was the button " Save my choices ''. Above it, a checkbox for my " Bank of America Cash Rewards Visa '' card was pre-checked. I had already chosen to receive notices on paper, so I had initially assumed that " Save my choices '' referred to once again confirming and saving my choices. 

After pausing to read more carefully, I learned that BofA was trying to deceive me into clicking through so I could continue with my online banking activities, which would have inadvertently caused me to lose access to paper statements. Those were not my choices at all. Those were BofA 's choices. 

BofA 's behavior here was deceptive and inappropriate. BofA could have named the button non-deceptively, for example : " Stop receiving statements by mail '' or " Accept our suggestions ''. 

Bank of America 's particular choice of language, " Save my choices '', was intended to deceive consumers and cause them to change the manner in which they would receive legal notices.
Chase Bank has been making me to make my mortgage payment in CASH ... on loan number XXXX. I was told that I had to pay in CASH because I was XXXX, and had a previous check ( NSF ), which I tried to explain to them that my vehicle been broken into, and my check book was stolen, and that I had to close the checking account due to attempted fraud on the checking account. No where in my loan documents does it state at ANY time or regardless for ANY reason do I have to make my mortgage payment in CASH only!!!
I filed a dispute with the reporting agencies, there are hard inquires on my report that I did not authorize, I requested them to be taken off and removed or to show e proof of my consent and they denied to remove or provided proof.