WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America prevents me from paying my Bank of America credit card bill via their online system. Whenever I try, I get a message saying my account is not verified ( that is, the bank account from which I am trying to have the payment drawn from ). Bank of America has been given all relevant details about the other bank account ( a XXXX XXXX account ). When I ask their customer service operator why they refuse to accept any payment drawn from the XXXX account, I am told it 's because I failed to acknowledge the XXXX tiny deposits they 'd made to the XXXX account many months ago to " verify '' my account. I responded that I never noticed the XXXX tiny deposits from many months ago ( a few cents each ). And I was never told to expect them. They said they 'd sent me an email about that. I replied that I probably never opened it since either, a. ) I assumed it was probably an offer for additional banking services I did n't need or want, or b. ) It just got buried in my voluminous email pile and I never saw it. Whatever the case, can we just try to make the XXXX tiny deposits into my XXXX account again, now that I know what to expect, I then asked. I was told NO. I was told I would now have to submit an onerous level of identity/banking verification in order to merely be able to pay my credit card bill online. This includes cancelled checks. When I responded that I pay all my bills online and do n't really have any physical cancelled checks, all I got was vague justifications for this requirement. I was also told I had to go to the nearest XXXX branch and submit a special Bank of America form in which the XXXX branch officer himself verifies my account. And if I recall correctly, there 's one more step that involved going to the nearest Bank of America branch for addition verification and documentation. Basically, all of this is unnecessarily onerous and unreasonable. I just want to pay my credit card bill online like I pay just about everything else. No other bank or financial institution I have ever dealt with has been so uncooperative or imposed such obstacles to resolving any issue.
In XX/XX/XXXX-XX/XX/XXXX, my XXXX daughter, XXXX XXXX, had XXXX at XXXX XXXX hospital. She had XXXX  XXXX, but they did not have a specialist available to do her XXXX. Prior to the XXXX, I confirmed that XXXX would cover the costs with the doctor. After the XXXX, we began receiving bills from XXXX XXXX. Apparently, the doctor and hospital room costs were covered, but not the XXXX ( whatever that was for ).  Under the law, you have to tell patients what is not covered prior toXXXX and they have to agree to pay it. This did not happen. Instead, this account has been report to Complete Collection Service, XXXX. XXXX XXXX, XXXX, VA XXXX. The collection agency has reported this account to the credit bureaus. I disputed the account, but XXXX has decided that it was reported correctly. I am not responsible for this account because the XXXX did not disclose any charges prior to providing services. This is predatory billing practices. The account numbers are XXXX and XXXX.
While living in XXXX in early XXXX, I received a collection notice for a hospital bill for XXXX ER visits that was addressed to someone with a different spelling of name for my son. I called the collection agency and informed them that my son was not in the state of XXXX for the first visit date and the debt did not belong to my son. I then called the hospital to inform them of the error and the debt did not belong to my son. My son, who was back in XXXX, drove XXXX miles to the hospital to provide his ID to prove he was not the person on the debt. I was told they would correct the issue, but it was not corrected and I continued to receive collection letters and phone calls. Each time, I notified ARS ( Account Resolutions Services ) of the error. On XXXX XXXX, XXXX as instructed by ARS, I sent a letter with a copy of one of the collection letters informing them of the error and to cease and desist collection from my son. I continued to receive collection notices so in XXXX XXXX, I reached out to the hospital 's parent company 's compliance department and spoke with XXXX XXXX. She said she would investigate and on XXXX XXXX, XXXX I received a letter from their financial department stating it was verified the debt did not belong to my son and the credit reporting agencies were notified. XXXX assured me that the records were corrected and the collection agencies, including for the physician bills, were notified of the error. All was quiet until XXXX/XXXX/XXXX when I again received a collection call from ARS. ARS was notified on multiple phone calls that this debt was not my son 's and in writing on XXXX XXXX, XXXX and to stop collection on this account. ARS has violated my son 's rights by refusing to remove his personal information from their records and to stop collection efforts.
Yesterday ( XXXX/XXXX/16 ), at around XXXX and XXXX, I received a call regarding a debt owed by a " XXXX '' which is not my name. Both calls went to voicemail without a message left, and I immediately called back after the XXXX call. The individual who answered became argumentative, and I hung up. Today ( XXXX/XXXX/16 ) at XXXX I received a call from a number XXXX again in regards to a debt owed by " XXXX. '' Once again, I had to tell these people that I am not XXXX and to remove my number from their database. At this point, I am not sure if this company is legitimate or a scam operation.
My daughter and I requested the information from the XXXX private lenders to pay college tuition. XXXX Loans gave as the best rates and we decided to proceed with XXXX. We never agreed to get any money form the XXXX.How big was our surprise after I received a negative statement form the University. XXXX student loan sent money to the college without my or my daughter approval and started to collect their fees!!! We demanded to return full amount back to XXXX but now XXXX sold almost {$100.00} " debt '' to the collection agency. Please advise.
I notified XXXX, Experian, and XXXX  of unauthorized inquiries on my credit report. Since the creditors didn't have me authorization, written nor verbal. I ask the credit reporting agencies to immediately delete the inquires. I previously requested the creditors delete the inquires also, and was denied.
Nation start has intensely avoided my complaint and ignoring my email, ignoring my voicemail, ignoring CFPB complaint See attached documentation
I called the suntrust executive office on XXXX XXXX and talked to XXXX XXXX. I explained to her that ALL of my emails to XXXXXXXXXXXX in the last few months were IGNORED and asked her why. She said she did n't know why but said that is not how suntrust does business. I pointed out to her that that obviously is how suntrust does business otherwise someone would have responded to my emails. It 's also obvious that REPEATEDLY LYING TO CUSTOMERS is also how suntrust does business and THEY DO NOT CARE. I told her about the ongoing problem the last XXXX years of NOT getting a correct mortgage bill AFTER I pay my escrow shortage. How can they cash my check for the escrow shortage and then send me a bill for the exact same amount I just paid them?? THAT IS A SCAM!! I also asked her why my escrow has been short 3 years in a row. I 've had mortgages with other lenders and NEVER had any problems with getting a correct statement or had my escrow short EVERY YEAR. She told me she would open a case for my complaints and call me the following Monday, XXXX XXXX. She of course did NOT call me back. So I tried calling her on XXXX XXXX and was told by XXXX that XXXX XXXX was gone for the day. I called again on XXXX XXXX and briefly talked to XXXX who refused to answer any of my questions. I called AGAIN on XXXX XXXX and finally spoke to XXXX XXXX again. I reminded her of my conversation with her on XXXX XXXX and that she said she would call me back. She LIED and said that she thought my complaints were being handled by the social media team. My complaints were NEVER going to be handled by the social media team because they NEVER answered my emails and my complaints on XXXX about XXXX XXXX never calling me back were removed and I was BLOCKED from posting any more complaints, even others are still allowed to post theirs! During my conversation with XXXX XXXX on XXXX XXXX she told me again she would have someone look into my complaints and she would call me back on Monday, XXXX XXXX. She even went so far as to tell me she " put it on her calendar '' which was also apparently a LIE because of course SHE NEVER CALLED ME BACK. I am so tired of being DELIBERATELY LIED TO REPEATEDLY BY PEOPLE WHO ARE HANDLING XXXX OF MY HARD-EARNED MONEY. This is completely unacceptable!!!!! These people have absolutely no business handling other people 's money!!! I need written, verifiable proof that someone is working on a resolution to my complaints and I need a FULL NAME ( FIRST AND LAST ) of the person/people resolving my complaints along with their direct phone numbers. Is there anyone at suntrust who knows how to tell the truth?????
XXXX XXXX, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added
I need Bonded business ltd to explain why they are not removing this erroneous debt. As per their first CFPB response to my complaint on XX/XX/XXXX, they initially sent a validation notice to XXXX Wyoming in XX/XX/XXXX. I have NEVER been associated with that state therefore I have never received it. In their second response on XX/XX/XXXX, they sent the validation letter to my previous address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX five months after I moved XXXX. Why would you send a validation letter to an address that you KNOW I don't live in anymore? No forwarding mail, emails or calls were sent to my home address. My forwarding address at the time was XXXX XXXX XXXX XXXX XXXXXXXX XXXX, with my number being XXXX. This was my address since I purchased the home in XX/XX/XXXX until it was sold on XX/XX/XXXX, even tho I served in XXXX XXXX, XXXX from XX/XX/XXXX-XX/XX/XXXX. I left this information with apartment manager XXXX and the receptionist of the XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX After months of waiting AND calling the office, I was told my deposit check had been mailed although I never received it. I need a copy of the letter that Bonded claimed they initially mailed to XX/XX/XXXX, then XX/XX/XXXX along with a log of the attempted phone calls preferably time stamped. My phone number has not changed in over 10 years. This company is not legally permitted to collect in XX/XX/XXXX. This company is reporting a debt on my credit report that another company has. The other company, nationwide recovery, could NOT provide information on my account and stated that they are not listing this on my credit report. They could not even verify my account or validate charges. This is my last attempt to have Bonded and XXXX remove this debt. If no compliance is made within a timely manner, I will sue for damages. I have military orders sending me to XXXX XXXX, XX/XX/XXXX in XXXX of XXXX. XXXX XXXX XXXX   XXXX XXXX had my forwarding address and phone number on file. BONDED BUSINESS HAS CLEARLY LISTED THS DEBT ILLEGALLY WITH NO VALIDATION. If this is not resolved in the time it takes them to respond to this complaint, they will be hearing from my lawyer. I will use the money they have illegally listed as debt to sue them ASAP. I will also be sending a copy of all correspondence to the office of XX/XX/XXXX Attorney General XXXX XXXX.
My credit report shows a status of " Closed. {$1100.00} written off. '' from XXXX. I have disputed it with both XXXX and XXXX. XXXX came back with no update as a result. After spending almost an hour on the phone with Care Credit they told me that they had never received an dispute ( s ) and that they could n't update it this account because they sold it to XXXX and they would have to report it. I explained to them that they sold it, it 's not written off. They did get paid and they agreed but because it was sold off, they would n't update my credit report, that XXXX had to. XXXX is n't the one reporting the error of it being written off. XXXX conference called all of us on the phone and eventually hung up on us because Care Credit refuses to mark it as paid instead of written off. They keep saying they will not update it because it was sold to XXXX. I called XXXX and they are sending me that I paid them off in full, but they ca n't report for Care Credit. No one will help me to get this updated on my report. This mark is causing me to receive higher interest rates, ( 3 % ) higher on loans. When I did pay it off. Please help me, they sold it, got paid for it and still wo n't update.
In XX/XX/XXXX, I experienced financial hardship and was unable to make my credit card payments for 5 months. Recently, the credit card issuer sent me an e-mail to make a minimum payment of {$240.00} to bring my account out of delinquency. The e-mail states that I can regain use of the card. The credit card company placed a restriction on the card and refuses to honor their e-mail. The credit limit is {$800.00}. The balance was {$990.00} and I was required to pay {$240.00}. My available credit would only be {$53.00}. I contacted their office and spoke with a supervisor who mentioned that they will continue to review my account but it will remain restricted. I mentioned the email and she just stated they will review my account. Before my financial hardship, I continuously made my credit card payments on time each month. I would like Capitalone to honor the e-mail sent and remove the restriction on my account plus any negative reporting to credit bureaus since they knew about this hardship. They can view my account history and offer a forgiveness plan based on my continuous prompt payments over a period of 5 years.
My younger brother has a habit of giving my address and phone number when he goes to the hospital. This has happened sporadically in the past. I do not know his present address of phone number. 

About a little more than a month ago I had a call left on my answering machine from HHGR, Healthcare Revenue Recovery Group. LLC saying they were trying to collect a debt. I deleted the massage. 

About three weeks ago, the same message was left on my answering machine with the same message. I called the number and explained to them that the phone number they were calling was not my brother 's number. I also explained that I do not have any information about where he lives of a phone number for him. They assured that I would not be contacted again. 

On XXXX, XXXX/XXXX/2015, a call was left on my answering machine from HRRG saying they were calling to collect a debt. Since HRRG 's representative I talked to assured me that I would not be contacted again by them, I consider the last call from them nothing more that harassing a third party.
My daughter, XXXX XXXX, was hired by a XXXX, XXXX XXXX XXXX, as his administrative assistant. She had answered an add online and communicated via emails with the knowledge that he was to arrive in XXXX within a week 's time. One of her duties was to set up a new office in XXXX, Colorado. She was also to send money to an XXXX XXXX in Arizona via XXXX XXXX. Her employer was expected to arrive in XXXX on XXXX XXXX and then she would have her first meeting to discuss the office location. 
A cashier 's check arrived to her home to purchase equipment and pay the XXXX XXXX. She took the cashier 's check to Wells Fargo Bank and asked the Teller to cash the check. She proceeded to take a percentage of the money to XXXX XXXX and paid the XXXX XXXX. She is a college student and has no expertise in determining if a cashier 's check is good or bad. My daughter relied on the expertise of the Bank, Wells Fargo. She learned a few days later that the cashier 's check was fraudulent. 

She contacted her employer and he said there must be a mistake. She never heard back from him so she filed a Police Report with the XXXX Police Department XXXX XXXX office. That police report is # XXXX. 
Her employer 's name is XXXX XXXX XXXX number : XXXXXXXXHis email address is XXXXXXXXThe complaint is directed toward Wells Fargo . My daughter had a Wells Fargo account and expected that the Bank would abide by their agreement that they made to her to protect her from fraud when she opened her account. Instead they treated her like a criminal and told her it was her responsibility to know that the cashier 's check was fraudulent. Our complaint is this : If the bank could not detect a fraudulent cashier 's check then how was my daughter ( a college student majoring in XXXX ) to know that the check was not good. Our complaint argues that the Bank is more culpable than my daughter. They have now threatened to ruin her credit and told her that she will never be able to get another bank account. Why? XXXX has already agreed that she will work to pay for the cashier 's check even though it was not her fraud. The bank is treating her like she is the bad guy and not the " victim ''. 
We argue that the bank should not destroy my daughter 's credit and name because she is the victim and the bank agreed to protect her from fraud and identity theft. At this point the bank has refused to accept the police report and is refusing to give my daughter time to pay for the check. 
If the bank knew that there was a cashier 's check fraud then they should have advised my daughter to not cash the check and wait the time necessary to allow it to cash. 
My daughter has been seriously traumatized by this event. The Bank should have assisted her when she brought in the Police Report and helped her to resolve this matter rather than treating her like a criminal. She has been protected all her life. Moving to XXXX to attend XXXX XXXX University was her first experience living alone away from her parents. Wells Fargo should apologize to my daughter and provide guidance and help in this matter.
trans union report a acct not mine on XX/XX/2016 shows a XXXX add, did not live there
My husband had lost his job and then we had a death in the family. We try to get then to work with us but no.
On XX/XX/XXXX I received a phone call from a male asking me for my date of birth to confirm a debt a I owed. I told him I do not give out personal information like that to a random person I don't know over the phone. He then stated he was from transworld systems collecting for a {$380.00} debt for XXXX XXXX hospital. I relayed to him that I've paid all bills I've ever owed. He said the outstanding invoice did not include an apartment number and an incomplete mailing address for me, which is why I never received the bill. I gave him the correct address to mail me the bill and any correspondence related to what he claimed I owed. As of XX/XX/XXXX, I still have not received anything in the mail. 

Upon obtaining a copy of my credit report, I saw that transworld negatively marked it up multiple times prior to XX/XX/XXXX. I went to their website to try to contact them or call, but the website contains no phone numbers or means of contacting them to request again the information they are trying to bill me for.
My name is XXXX XXXX owner of XXXX XXXX. On my office phone we have been receiving calls for months from Nissan Motor ... XXXX asking for an employee who does not work in the office, he works at XXXX sites. We informed the employee when the first calls came in and informed Nissan Motor the same. Nissan Motor has continued to call sometimes three times a day. I have informed the call multiple times to stop calling and they just say thank you and call back. These calls have impacted my business as we have only one line and only one or two people in the office. The phone in my office is XXXX and the caller is asking for a XXXX XXXX. 
Please help in making these calls stop. Thank You XXXX XXXX
Biehl and Biehl Debt Collection agency calls me without allowing their phone number to show up on my caller I.D . After talking with me over the phone, I still received a letter telling me the same thing that was discussed over the phone.
I spoke with a rep from this collection agency Aargon Collection Agency Named XXXX who advised me that I owed for an XXXX XXXX Bill from XXXX 2016 to which I advised him I would have to contact the original Company to inquire what this bill was about. He then advised me that He would call XXXX XXXX XXXX Police on me about this bill, when I requested to speak to his supervisor she said that he did not day that, my husband was listening in on the call and was very adamant of what this XXXX said. I am aware of the FDCPA rules and making a false statement is a violation of these rules claiming to involve Law Enforcement when there was no intention to do so. This happened today XX/XX/XXXX at XXXX XXXX PDT
On XXXX/2017 I submitted certified letters to the credit reporting agencies XXXX, XXXX and Equifax to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender XXXX. I received responses from the credit reporting agencies but not from XXXX. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.
I h  ave had a Sears credit card for many, many years.
Sears replaced my revolving credit card with a Mastercard account.
I do not use the card, but keep it for emergencies -- auto repair, appliance replacement, other services provided through Sears.
Without notice, because I have n't used the card, Sears reduced the amount of my available credit.
When I called, "   XXXX   '' said that I should have used the card in order to keep the amount of my available credit.
WHAT? They are bullying me into using their card!
Further, they told me that it is their policy to reduce the amount of credit available because I have n't used the card.
Every month I receive a billing statement re : my Chase Slate Credit Card. After receiving a XXXX 2015 statement I paid the balance in full and did not charge anything. My XXXX balance was XXXX. Although there had been a transaction - the payment - Chase refused, and continues to refuse, to send a XXXX 2015 billing statement because the balance is XXXX. I therefore have nothing from Chase to show that my balance was paid in full. I could understand not sending a billing statement if there were no transactions ( payment/charges/interest ) at all, but there was a transaction - Chase cashed my check.
In XXXX 2014 I was scammed and was charged {$9000.00} from my Bank of America Visa Credit Card, I think the {$4000.00} charge is still under investigation but the {$5000.00} dispute was closed and now they are beginning minimal charges against my card. I made every effort to give them information and documentation regarding this fraudulent activity. I do n't understand how they could close this case knowing that this was a result of fraud. I think that this may be an inside job ... you can call me at XXXX. Any help would be appreciated. Thank you
I WAS OFFERED ALOAN MODIFICATION BUT IT JUST STATED A PAYMENT .I REQUESTED SPECIFICS SUCH AS AGGRAGATE BALANC EFINANCED, INTREST RATE, BREAKDOWN OF THE PAYMY AS IT RELATES TO ESCROWS AND PRINCIPLE AN INTREST IN WRITING NOTHING HAS BEEN RECEIVED AS A REPLY TO DATE XXXX XXXX AT CITIMORTGE REFUSES IN HIS OBSTNATE WAY TO PROVIDE INFORMATION ON SPECIFICS .HOW CAN CITI EXPECT A BORROWER TO SIGN ON BLINDLY AND MAKE PAYMENT WITHOUT KNOWING SPECIFICS.XXXX XXXX NEEDS TO BE REMOVED FORM XXXX AND SOMEONE WHO OS SERIOUS ABOUT HOMEOWNER PRESERVATION .HE STATED THEIR WAS NO LETTER OF AUTHORIZATION ON FILE WHEN THERE WAS AS IT RELATES TO MY SPUSE SPEAKING ON ACCOUNT .CITIMORTGE IS HINDERING THIS MODIFICATION AND HASTENING FORECLOSURE LIKE THEY ALWAYS WANTED