WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/19 I made a deposit in the amount of {$500.00} to a suntrust ATM located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In the middle of the transaction the ATM malfunctioned and restarted. I immediately called into the customer service line to make sure my deposit went through ( time of call at XXXX Saturday XX/XX/XXXX ). I spoke with a representative that let me know that the deposit did in fact go through. I asked if I needed to take any further action and was informed that I did not. 

On Sunday XX/XX/XXXX I was auditing my account and noticed that the deposit for XX/XX/XXXX was not reflecting on my account. As it was a Sunday I waited until XX/XX/19 at XXXX to call in to customer service and speak with someone about my lost deposit. A claim representative let me know that he saw a deposit was attempted but it did not ultimately go through. I was told that I would have to wait for an investigation to be completed but a temporary credit could be applied to my account in 10 business days. I expressed my concerns about having to wait 2 weeks to have access to my money due to a malfunction with their equipment and was not offered any solution to that. 

XX/XX/XXXX at approximately XXXX I went in to the branch where the transaction took place. I asked if the branch had access to the ATM camera and was informed that they did not as they do not service the ATM themselves. I asked if the temporary credit could be expedited, a representative called the disputes line and was informed that we would not be able to do so. It was brought to my attention by the representative that their power went out 3 times over the last month. I was told that I would have to wait for a count to occur and see if they have surplus cash. 

At this time I am not confident that Suntrust will give me access to my deposit. Furthermore, if I hadn't noticed that my deposit hadn't posted they would have kept my money. The ATM didn't give me a receipt ( turned off in the middle of my transaction ), I don't have access to the video from the ATM, I don't have access to the calls I made and the counters could just lie about having surplus cash.
This is regarding a {$180.00} debt bought from XXXX XXXX. Stellar Collections contacted my father, whom lives XXXX miles away, and whom I have n't lived with in over 13 years and told him the date of the delinquent bill, the full amount, and was asking how to get in touch with me. Subsequently, my family called me and informed me of all of the information, gave me the number to Stellar and said that they wished for me to call. This is outrageous and I also intend to file the issue within the court system here in Oregon.
Starting from the date this company has purchased my mortgage, they have a practice of taking my extra principal payments and placing the amount in suspense, thus depriving me of the interest reduction on my loan. They hold my money free of interest and do who knows what with it.
O n   XXXX   XXXX  ,20  17 I was informed  by S un Loan  company that the   XXXX    checks that I have written for  XXXX  was returned by   XXXX   XXXX    unpaid. I was informed that if I did n't pay them back for the checks and the  XXXX  fee for both of them. They will send them to the states attorney. I told them that I 'm having a hardship right now due to my health of a  XXXX  I have had. And they rudely told they did n't care. Those   XXXX   checks are from a complaint I file with   XXXX   XXXX    refusing to pay them.
I bought my house for XXXX dollars on XXXX, I fixed it up and bring up the value of my house was XXXX dollars on Katrina hurricane XXXX I get the notice from my mortgage was my house will be for closer on XX/XX/XXXX. That time I rent my half of my duplex for XXXX /month. also I have to be in California to take care my Mother, while I filed the Conservator for my Mom go back to Virginia to live with me. The next day of for closer I called my mortgage about my house, the company told me no body buy my house. I came back to my house on XX/XX/XXXX I met a man in my house, he told me He just bought my house today for XXXX dollars. I asked my tenant XXXX what? why? he said on XX/XX/XXXX HE GOT LOCK OUT OF my house since.
My credit score is being lowered simply because I have an inquiry. I 'm a full time student in a XXXX program and have applied to private and subsidized lenders for student loan funds. As a result, my credit score is effected because they automatically check my credit when applying. In addition, I 've applied to a couple of credit cards which appear to have better interest and/or point program, but not necessarily going to take the line of credit. THIS DOES NOT MAKE ME A RISK!!!!! If I 'm not paying my bills or paying late I can understand that having a impact on my credit score, but IF I AM PAYING MY BILLS AND PAYING ON TIME, WHY SHOULD MY CREDIT SCORE GO DOWN!!!!!!!!!! I think this is unethical, unreasonable, and unacceptable!!
Opened a few investigations in negative credit reporting of ninety days late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until XXXX XXXX, 2017 ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until XX/XX/XXXX because I had no clue that I was in repayment until XX/XX/XXXX. The statements were being sent to the XXXX University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all XXXX credit bureaus. I could not have put my account on e-statements because I just created an account with XXXX XXXX in XX/XX/XXXX. The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.
In 2017 I contacted an internet provider over the phone to set up WiFi services in my home. When the installation employee showed up he informed me he was unable to install that companys equipment due to some technical limitation on their part. Services were supposed to be cancelled. I used another internet provider, and never received any services from this company. Even so, I continued to receive bills from them, and I spent many hours calling them to dispute this, only to keep being transferred, and hung up on. Ultimately, this fraudulent account was acquired by IC SYSTEM for debt collection and reported on my credit. I never received services from this company, I am do not owe this debt.
I received a voicemail today from a XXXX XXXX, who said she was calling from a firm XXXX and XXXX out of XXXX, TX. She called from XXXX trying to reach my husband XXXX XXXX. Her message stated : " I 'm reaching out to a family member regarding an insurance claim in my office involving a ... .a family member, uh, that has recently passed. If you could please, give me a call back directly at XXXX or toll free at XXXX. Thank you. '' I do not know what this is in reference to, nor do I plan to call back. I am appalled that someone would call and say that a family member has passed to get me to call back! 

The best I can find is that the company is XXXX. Reviewing feedback as best I can online ( which may or may be trusted ) says that this is a debt collection agency, they will do whatever they can for you to call back ( must be their effective methodology as touted on their website ), and that it has to do with a vehicle that may be potentially repossessed. We have no such vehicle, as we are current on both car loans. We have paid off our vehicles in the past, and had clear titles before trading them in. I 'm not sure who or what they need, but I will not be calling them back. 

Again, I am appalled that their methodology includes telling someone they are calling in regards to a family member who has passed away. My dad passed away recently, and it 's not a matter to be taken lightly. Just another example of how we ca n't trust those who call us.
A few months ago, I was advised that the web site for managing my Suntrust mortgage account ( https : //suntrustmortgage.customercarenet.com ) was being retired in favor of suntrust.com effective XX/XX/2019. 

The " old '' site displays this message : Please enroll in Online Banking at suntrust.com to continue to manage your mortgage online. 
You will need to create a new userID and password using your mortgage account number ( if you do not have it handy, you may log in below and locate it before leaving this site ).

When I try to log onto the new site, I get error messages indicating that my records can not be matched. I am advised to contact Suntrust by phone, but have never been able to reach a human being to help me with my issues.

I am now afraid that ( 1 ) my loan servicing will be continued electronically despite the change in parameters, and that ( 2 ) I will stop receiving important information, notifications about my account, and the ability to manage my account without a lot of effort in dealing with Suntrust 's failure to manage my records and transfer them correctly to their new system. If they can not do something as simple as linking my account information so that I can open an online account as they have instructed, I have no basis for believing that they are recording or applying my payments correctly, either.
ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name FORD MOTOR CREDIT CO . 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX
XX/XX/XXXX TransUnion correct my credit report and that made my credit score go up. 
And now it has not been a year and my score is low again. It is low because the same infor-mation that was incorrect is back on my report. I informed TransUnion that several accountshad been paid by me or the account., Is not mine. I have not heard back from them. How canmy credit score go from XXXX or XXXX in XX/XX/XXXX and now it is XXXX and it has not been a year. And then the report I received XX/XX/2015 by mail did not match my oline -report. And it said I only had ( XXXX ) Adverse Account What is going with their investgation? 
Also, my report XX/XX/XXXX had to do with medical payments my insurance companytook their time paying. I have no control when Insurance companies pay their bills. 
And this XXXX XXXX XXXX account is because my insurance company never paytheir bill. And this Hospital is known for putting bills into collection very fast. Withoutinvestigating the facts. 
Thanks
I had to voluntarily surrender the vehicle due to my finances and personal medical hardship. When the company picked up the vehicle they were very rude and threatened to garnish wages. After the vehicle was picked up I never heard from the company. I didn't even know what the remaining deficiency balance was until my credit was pulled. When I was advised it was on my credit I contacted the company asking for them to send me a paper with the detailed information about the deficiency balance and what they got for the vehicle at auction and so forth. I was told it would be sent, they had an old address which I had updated but clearly was never updated so once again I gave them the new address. I still never received any letters providing information. I never received any calls either. All of a sudden someone shows up to my home and asked my XXXX year old where I was and she told them I was outside so this man walks up to me and hands me a civil summons and says this is for you and XXXX. He never asked me my name or anything. When I review the papers I see its civil summons for the vehicle and on the papers once again they have an old address that I have told them I was no longer at. Also on the summons it stated they have tried to contact me and work with me on the deficiency balance which is a complete lie. I have never received calls from them and if they called they never left a voicemail stating who they were and where to call. I never received any documents in the mail either. I called them again yesterday after I got a response to my first complaint as they stated in the response that they have mailed things and called me but they were willing to still work with me. When I called the manager XXXX was not available so I was told he would call me today XX/XX/2019. I received a missed call from an unknown number and a voicemail. when I went to check the voicemail it was 6 sec long with no one speaking just complete silence. So how am I supposed to know who is calling me and to call back. I decided to call the number back just to see who it was and by shock it was the manager XXXX. He was very rude off the start of the conversation. I told him I have no documents and have never gotten any calls but am calling to see what they can do to work with me. Every time I tried to speak he spoke over me and told me I was being combative. I asked for his manager or someone above him as I could clearly not get a word in as he kept speaking over me. He told me there was no one above him and he was the only person that I could talk to. When I asked what options I had or what they could do to work with me he basically only gave me one option which I am unable to afford and that why I had to turn the vehicle in. he would give me any options to make payments on the balance anything and still kept being rude and interrupting me. The conversation got no where. So not only have they threatened us when picking up the vehicle but they never sent any documents and lied on the civil summons and are not willing to work with us at all.
The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid.
I keep getting bills from XXXX trying to collect an amount the is NOT correct. XXXX removed the items from collection status and sold the bill to a collection company now they are trying to collect on a debt that is not correct. There has to be a lawsuit for this.
i have been dealing with Chase modification department for over 5 years. Have been assigned numerous Customer Assistance Specialists and also various supervisors to help resolve issues that have needed assistance. All documentation required had been sent to them over these 5 yrs with no resolution. This has continued with no resolution after 5 long years of frustration. I can not begin to count how many times we have completed all these loan packets that have been sent. Over these last years we have supplied every document chase requested. We keep all this documentation back up. Every time they assign us a new assistant we go thru this same process with no resolve. Please help us get this finally resolved.
XXXX XXXX can not connect to the bank for information. The bank side of the issue is what 's wrong
My dog had to undergo emergency surgery last year. To finance it, I opened up their recommended CareCredit account with Synchony bank - first year 0 % financing. I made my payments throughtout the year, realizing that I needed to do something with the remaining XXXX balance now. I pulled up account - they just added a XXXX interest charge!! I realize that this is probably in their fine print, but this is grossly taking advantage of people who can least afford it at a time when we can least afford it. I 'm good for my debts, but this is ridiculous.
I have been trying to have my card unblocked from the fraud protection system at Citi and have called their support line about 10+ times. I was requested to provide a phone number to verify my identity, which I did, but no call came. I was asked to provide my employer 's phone number, which I did and which is a law firm, but no call came to verify my identity. I was also separately asked to fax in my passport ID, a copy of my lease agreement, and a utility bill, which I did, but their records does not show that the fax was received. I confirmed the fax number several times with their customer support agents but because there is a disconnect in the team that handles faxes and the persons I am speaking with, there is no way for them to see whether the fax has been sent. I have called again and again to see if there is any other avenue I can use to try to get my card unblocked. 

Likely, my international ticket purchases triggered their fraud system and I am still able to log onto the Citi card website to check the purchases. I know the purchases are mine, but I ca n't get through the rather arcane processes to verify my identity. I do n't understand why I ca n't get a message from them on my phone, which is under XXXX XXXX XXXX and is and has a New York area code. I can not fathom why they were unable to verify my identity after calling my employer and call after call, I have been asked the same questions every single time I have called about my phone number and then offering to call my employer number and then asking me to fax in the documents again. I have done this so many times already. 

I want to be clear too that there are no fraudulent charges on my card, I can see from the purchase history of the account on which I am log in online that the purchases made were by me. I have also already paid off these purchases so there is no balance on the card. The entire process has just been very frustrating since the representatives have no authority to actually progress this matter further and for some reason they ca n't call me on another number while staying on the line. They have to hang on me to make the call, which course never comes and then the person I spoke with I never speak with again. Repeating this process for over 10 times has become very tiresome. 

I also received a notice in the mail that the account is being closed due to the fraud protection services. I tried to confirm whether the account was in fact being closed as mentioned in the letter sent to me, but the agent let me know that they could not provide to me this information without first verifying my identity. This letter was sent to me 10 days ago, it would have been nice for the agents to tell me this over the phone during this time the issue with my account instead of going through this ludicrous process. 

I understand the need for fraud protection, but when the company uses this antiquated systems to try to resolve the issue and then a dozen calls, faxes and conversations still can not resolve this issue, the system they have in place is simply inadequate. The time waste is also infuriating.
XXXX/XXXX/2015 receied call from XXXX claiming to be from the XXXX Law Firm, calling on behalf of XXXX XXXX to collect an old debt. I explained the debt was discharged in Bankruptcy court XXXX years ago but he didnt want my lawyers information. 
He threatened me with IRS issues and said he was investigating me for a criminal act. 
called # back and got voicemail. XXXX search shows this info : XXXX Law Firm, XXXX XXXX XXXX, TX XXXXPhone : XXXX. I called # ending in XXXX and reached same voicemail as the # of the dept collector XXXX. Didnt have my address but wanted it. After not getting info he hung up on me.
This complaint is in reference to my student loans and the current loan amount due. 
I worked as a waitress when I graduated from high school in XX/XX/XXXX and went back to the XXXX XXXX in my state after 10 or more years after high school. I worked full time and attended school nights and earned an XXXX XXXX XXXX and acquired computer skills to apply for a secretarial job. I was encouraged to continue to transfer to a four year college and work towards a XXXX XXXX. At the time I had company reimbursed tuition. I was laid off at the company in XX/XX/XXXX and that is when I borrowed funds to continue my education. It took many more years to finally finish as I worked full time and encountered other company down sizing. I did not find a job right after finishing the four year degree in XX/XX/XXXXand that is when the loan balance grew to what is now an unmanageable debt. I originally borrowed $ XXXX and now owe over $ 90K. A regular payment is {$880.00} which is more than my mortgage and currently on an income based payment which is {$420.00} or so per month. 
This payment structure is interest only and will never in this life time pay this off. I need assistance in being put in harms way due to higher inflationary interest charges at a vulnerable time. This loan is structured to be in forebearance and accrue high interest for a chance to develop experience to apply for a higher paying job.
I received a phone call on my cell phone at around XXXX XX/XX/2018 from a company who spoofed their number to appear local, but they were not. They left a voicemail claiming to be " Offices of the Northwood Group '' and left a detailed message with my name, number, address, last 4 of my SSN, and a case number. The same call was also made to my brother in Arizona with a message containing the same information and spoofing the number to be local to him. 

They claim I haven't responded to any correspondence with them about a debt with them. I have NEVER received anything from them whatsoever. I had XXXX  them and found out that they are known by a law firm which I have used in the past for another violator of the Fair Debt Collection Act, and won the case. The law firm told me that they were in clear violation of many things by their actions and to contact you because they will NEVER pay out any lawsuits made against them. 

I still have the voicemail on my phone at the moment. 

I want to take whatever action I can against them for the negligence of this company to the fullest extent!!
I am in receipt of communications from a Law Firm Named XXXX, XXXX, XXXX, XXXX and XXXX XXXX. They are representing Midland Funding LLC. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed, account number and charge-off date to any of my known account records, I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract, payment history, interest rate, name and address of the original creditor. To date I have not been provided any of this information yet they have served me with an IA civil case. I believe that this is a false debt and that they have more than likely purchased incorrect information. Please help.
I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you
I am being told that I owe TD bank some money and I have never had an account with them. 
When attempting to open an account via a Credit Union I was denied because of a XXXX report from TD Bank in the amount of {$240.00}. I have never had a TD bank account. I contacted the number on their website to report suspected fraud and the call center team kept me on hold for over an hour and then some manager in New Jersey named XXXX was not any assistance. She told me I need to go into the bank. I do not want to be inconvenienced over this mess. 
TD Bank clearly has allowed an account to be opened using my Social Security number and it needs to be rectified immediately. 
XXXX reported this XX/XX/2016 for a XXXX XXXX with my Social Security number.
Nordstrom agreed to remove their account from my Credit Bureau reports. I discuss my account with Nordstrom several times in XX/XX/XXXX -XX/XX/XXXX because of major discrepancies with my account.