WillisBack/dataset-financial-user-claim huggingface dataset:
I keep getting harassing phone calls from XXXX municipal collections of america saying I owe tickets for a car I no longer have. I do not have a debt and have never received anything in the mail. When I ask about a letter they are rude and hang up. I have blocked them but still get the calls. I feel that because they want information over the phone that this is a scam.
I was not aware and do not know why I owe Midwest Recovery Systems money. I have not received any notice of debt and was not given any opportunity to dispute it. I just found out about it because I have a credit notification service that provides me with information that helps me monitor my credit report and score. And I do believe that XXXX XXXX XXXX has already been notified by the consumer financial protection bureau once on my behalf and they corrected this problem.
On my XXXX credit card statement from XXXX XXXX XXXX, I had a balance due of {$7700.00}. I paid this balance in full on XXXX XXXX. On XXXX XXXX, without any notice or warning to me, XXXX XXXX XXXX withdrew an additional {$7700.00} from my personal checking account. I asked them to refund the money and their initial response to me was that they would issue a refund in 5 -7 days. I contacted them today, as the seven days were up, and they said it could be another seven days before a decision is made to refund me my money. They said this was because the refund was over {$7500.00}. I told them this was creating a financial hardship, and that they had no right to make the withdrawal from my checking account as no payment was due. Their response was, we are sorry, but they have a policy. I asked to see the policy, and they refused to do so. I have never had such treatment from a major financial institution. It was their error, they acknowledge that. They should be refunding the funds promptly. 

No one at XXXX XXXX XXXX has expressed any doubt that I am due a refund. They are just holding my money, and not keeping their promises as to when they will give it back to me.
XXXX has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I am a victim of fraud and have since put a fraud alert on my file..I recently took a look at my credit reports and saw a overwhelming amount of inquiries that I do not recognize nor do I recall authorizing..I stated my concern to all three credit bureau 's through a complaint with the BBB to no avail in regards to having the inquiries removed.
This is the third time that Convergent Outsourcing Inc has placed the same collection on my credit report, both XXXX and XXXX. I have taken it off twice. They called asking for social security number and I would not provide. I contacted XXXX the supposed creditor. They informed me that I had no collection or account with them and that the information being provided from Convergent Inc was false and that I should not pay. Since this is the third time they have placed the collection on my credit report, I am having a difficult time removing it. When I notified them what XXXX said they did not do anything unless I provided my full social security number. I gave them name, address, phone number, but did not give them my social security number. I am in the process of fixing my credit and this false collection has lowered my score XXXX points. I am tired of dealing with the same collection agency over the same collection that does not exist. Please do something. The guy on the phone sounded annoyed I would not provide my Social Security number.
This compliant is second submission, last XXXX 2016, I received a phone call from someone claiming to be from card services who told me if I sent them a check for XXXX they would hold it in escrow for 3 months and if I made the minimum payment for the 3 months. I did not have this in my account and I told them this. This appeared as a charge on my Bank of America Visa statement, I was s told my interest charges would be taken off my account after the 3 months which did not happen. I contacted Bank of America several times regarding this issue. I was eventually told It was my responsibility for these charges because I agreed to them. I am a senior citizen who got scamed, I have Been to lawyers regarding this who then submitted all the paper work, which I assumed included that this complaint was against Bank of America. I have been making XXXX a month payments on this as this is all I can afford. I am extremely tried of this issue. I made a stupid mistake that I will apparently be paying for the rest of my life. All this has been submitted to you a long time ago. Now I a am told tennis has been closed because of my lack of response, to contact, which I never got. I am extremely aggravated by this whole situation. Please, please help. YOU HAVE ALL MY INFORMATION
Apparently, my USAA account was closed due to fraud or account abuse on XX/XX/XXXX as reported by XXXX XXXX XXXX XXXX. I have attempted to reach out to USAA by certified letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of there letters have been return to me as undeliverable. I also called on XX/XX/XXXX and XX/XX/XXXX and was informed by the representative that they see my chapter XXXX discharged bankruptcy on file and that they were not aware of what XXXX XXXX XXXX XXXX was. USAA has made it extremely difficult to get answers. I have done nothing wrong.
A Franchise tax board lien was filed for the tax year XX/XX/XXXX in error against me when: 1. I actually had nothing owed to the state for that tax year.  2. My requirements to file were null since I moved out of the state of California in XX/XX/XXXX.
I have been writing letters to the XXXX major credit bureaus, XXXX Equifax and XXXX since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and Equifax are reporting a balance of {$17000.00}, while XXXX reports a balance of {$17000.00}. The Date of Last Payment also does not match! XXXX reports XXXX/XXXX/XXXX, Equifax reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX Equifax and XXXX. For instance, the Open date on Equifax says XXXX/XXXX/XXXX but on XXXX it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car. I badly need your help on this.
I NEED TRANSUNION TO REMOVE ALL DISPUTEST AND DISPUTE COMMENTS FROM MY CREDIT PROFILE. I AM TRYING TO GET A HOME LOAN AND THE DISPUTES SHOWING ARE PREVENTING THIS.
My family has owned our home in XXXX for over 30 years. At this time I am retired and live in the property along with my XXXX son. I am contacting your office because I am in trouble on my mortgage loan which is with Wells Fargo, and they are moving me into foreclosure. I am afraid that I am going to lose my home and be out on the street with nowhere to go. I feel that Wells Fargo is not fairly negotiating with me ; I feel that they are denying me access to government programs that should be made available for struggling homeowners. I feel that they have made errors in their review of my financial situation and have wrongly denied assistance. I need help with this matter, I ca n't seem to make any progress with Wells Fargo and I do not want to lose my home. 
I first began struggling with my mortgage payment in XX/XX/2013 due to the overwhelming costs associated with my son 's XXXX and began the process of attempting to get assistance from Wells Fargo. It took literally over a year of back and forth with their agents to actually get a review conducted. During this long period my delinquent amount continued to increase, putting me into an even more difficult position. When the review was conducted I was just entering into retirement and I do n't believe that they took into account all sources of income. I receive SSI, a pension, and also money from the government for my son 's XXXX. I believe that if Wells Fargo were to properly calculate these income sources and to work with me in a fair manner, a resolution could be drafted that would be beneficial to all parties. I know that Wells Fargo received billions of dollars in bail out money, and I know that Wells Fargo has been reporting record profits, even as their employees open fake bank accounts in order to maximize profit. I would like Wells Fargo to show some compassion towards my family, and the home we have owned for nearly 35 years. I paid this loan on time for years, they have collected thousands of dollars in interest from me and this is a problem that can be resolved if Wells Fargo would take the time to conduct a fair review of the current and correct financial information. 
I feel that Wells Fargo is more interested in moving me into foreclosure instead of attempting to resolve this matter. A foreclosure would be devastating. If this can be avoided, why is Wells Fargo making things so difficult? I believe if Wells were to conduct a proper review that we would be able to work things out.
Equifax website says that my information may have been part of their breach. They are still charging me to freeze and unfreeze my credit reporting. This is outrageous! They should freeze my credit and not require I pay them to do it, they were at fault.
I have my home loan with Citi mirtgae since XX/XX/XXXX my house has been worth less ans less every year since then at one point about half its original value. I have made all my payments on time and never missed a mortgage payment. They adjusted my rate XX/XX/XXXX to a lower fixed rate but my house is still under water. Im thinking qbout walking away drom my loan.
On both XX/XX/XXXX & XX/XX/XXXX I was contacted by your office, which appeared on my called ID as XXXX, KS on XX/XX/XXXX, when I answered there was no body there. The call was placed on my cell-phone and a number of XXXX appeared. When I called, no one answered. I was again contacted on XX/XX/XXXX with the caller id showing XXXX, KS again I answered and no response. This time it showed a number of XXXX, which I called back and spoke with XXXX XXXX who identified himself as a collector for Stellar Recovery in an attempt to make a demand on a debt to XXXX XXXX from XX/XX/XXXX. When I advised XXXX XXXX this account was past the statute of limitations he said No it certainly is not. Before I progress with the rest of the facts, let me state under Kansas States Annotated 60-511 A creditor must bring an action-based on a contract that is expressed or implied but not in writing, an oral contract within three years. As there was never any written contract for service this was in-fact a time bared account. This act of collecting on a time barred account in its own is in violation of 15 USC 1692e subsections 807 ( 2 ) ( A ), as the legal status of the account is time barred to which XXXX XXXX disagreed with, keep in mind, his answer must be truthful under the FDCPA. I was then transferred to a supervisor XXXX XXXX and asked why my caller ID just shows XXXX, KS to which she stated We use an auto-dialer ). This is in violation of two laws. First, the TCPA that The FCC has determined that debt collection calls are not telemarketing calls. Therefore, under the rule the FCC has stated that with respect to autodialed or prerecorded debt collection calls, to the extent that they do not contain telemarketing messages, would not require any consent when made to residential wire line consumers, but require either prior written or oral consent if made to a consumers wireless number referring to 47 C.F.R. 64.1200 ( a ) ( 1 ). At no point, did I ever consent to my personal cell-phone number to be called. Additionally, the way your caller ID shows is XXXX, KS, but it is not just the name that I argue is a violation of law, it is the fact that the phone number that appears is a XXXX, KS number, when your office is clearly in Florida. Such action constitutes a violation of the 15 U.S. Code Section 1692f ( 5 ) Causing charges to be made to any person for communication by concealment of the true purpose of the communication. Obviously I have the right to determine what calls to accept and what ones not to answer. By concealing the true caller on the caller ID, your office has engaged in deceptive practices and as XXXX XXXX admits this is an auto-dialer, I am wiling to bet I am not the only consumer for whom your office has done this to. Additionally, I was never given the opportunity to dispute the bill.
Hi, I have opened an account with  XXXX , in which they have offered me 12 months promotional period for any purchase ( no minimum value ). The first outstanding balance  (  purchasing amount ) was {$460.00}.     So I have divided my payments into 12 monthly payments and I set an auto-pay to let the payment withdrawn from   XXXX    XXXX   XXXX  account.     I 've started paying the monthly payments, until I received the seventh statement which says I have been charged an interest ( and it was deferred ) because the promotional offer has expired aft er six  months. Which is totally untrue. They did n't send me any agreements that says if my promotional offer is 12 or 6 months.     I contacted Synchrony bank four times and after long conversations (  XXXX  ) & (  XXXX  ) they said I have to go back to the store.     I really did and the store denied this and kept asking me for documents to prove this which I never received. And honestly I was n't aware about these statements because I have enrolled in the electronic statement and they told me that this is indicated in the statement. I did n't read this.     I told them this is not acceptable and I am a person who does n't buy with interest because of my belief. This is a rule in my life. And they have fooled me. I offered them to pay the entire balance only if they take-off the interest charged, but they denied.     I came back to the bank and they kept saying there is nothing that can they do with me. And they have offered me {$25.00} credit. I refused to take them, because I am not begging for money, I was asking to get back my right and not to be fooled.     My Name :  XXXX   XXXX   XXXX  My Account # with Synchrony bank is :  XXXX  My Email is :  XXXX  XXXX  XXXX  My Phone Number is :  XXXX   XXXX   XXXX  Address :  XXXX   XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX  FL
I initially contacted the company in regards to a charge on the account that was not honored at the location. They responded with a company generated mail stating that the charge was valid because it was made through my account. Responding to that, I stated it was in fact made by my account, however it was not honored at the location. I was told that the tickets were already used. I told him it was not possible because I just arrived. The clerk stated that I can dispute it but i would have to purchase another ticket to get in. I went to purchase another set of tickets with my spouse 's card and was told by that clerk as well to dispute the charge when i get home. 

I showed documentation that I had paid for the tickets via other to the card company, but I was responded to with the same merchant documentation that it was non refundable and that the tickets was emailed to my account. I responded again telling them that I 'm not disputing that I did n't make the purchase, I 'm disputing that I was not allowed in with the tickets that were provided. They responded with " we are sorry your dispute did n't yield the resolution you desired '' and closed the case. 

I do n't believe anyone actually looked into the case, because if they did, they can see that the documentation that the merchant provided was computer generated. Further Discover themselves generated their own non human response and called it a day. 

My only thought is that I made the purchase on a public computer at my hotel. I also printed the tickets there as well where I initially had problems printing.Neither I or the hotel can be sure that this was the reason to this, but the park also did not request ID upon entrance. So basically if anyone had access to that wrong printout, they were able to enter the park in place of me, leading to my ticket, if i went after them, to be invalid. 

Please help with this situation, this is a substantial amount and is not something that can just be paid off by me and just move forward, especially when i had to pay twice for it.
On XXXX XXXX, XXXX I received a letter from Credit Collection Services claiming that I owed a debt to them from the original creditor of XXXX XXXX. The file number is : ( XXXX ) in the amount of {$670.00}. This is simply yet another example in a long line of fraudulent debt apparently obtained in my name. Within the last year, I have become a victim of identity theft to which someone has used some of my personal information, one of which my social, to obtain credit and then let if default. I am refuses this as my debt as I have not had an account with XXXX nor with any company alike. 

Regards, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
I opened a charge account at Dillards and the account is managed by Wells Fargo Bank , N.A . I paid the very first statement in full by mail. Wells Fargo Bank failed to credit the account for the first payment. The second account statement arrived in today 's mail They are charging me a late fee of {$27.00}. I phoned them today and wrote them directing them to close the account. I ca n't believe how dishonest Wells Fargo is. I would like to know how many people they did this to. I can not possibly be the first. They have undoubtedly done this to thousands of other people.
The associate said that my husbands credit will also be reported if I do n't pay. This is for dental work I had done. My husband was my emergency contact. So I told him this is inaccurate as we both did not have work done and he said that if I do n't pay that they will report my husbands credit.
I 've told paypal that they have the wrong name listed and they keep on calling me starting at XXXX XXXX all the way to late in the evening up to seven times a day everyday since XXXX 2017
Wells Fargo Home Mortgage 1 has yet tp provide my right thumb print as to California statue code as also anything dealing with real estate in the state of California Statue section code 8206 ( A ) ( 2 ) ( D ) & 1185 ( C ) ( 1 ) ( A ) - ( E ) appeared in person this are the California section code at the time I sign and in 2009 and current today
We opened an account several years ago with Wachovia called Crown Classic Banking, later they were bought out by Wells Fargo and our account was moved with them. This account for us was a dormant account since we only planned to use it in the case of a medical emergency. Wells Fargo agreed to the same fees and terms of our agreement with Wachovia which were that we suppose to maintain a minimum balance of {$1000.00}, which later changed to {$1500.00} but since we had more money there than that, we continue with the account. We transferred a large IRA Account and small IRA 's CD, and without our consent, they put us under a new product called Wells Fargo, PMA Package, this product required to have a minimum balance combined with all our accounts of over {$25000.00} of linked FDIC accounts or {$50000.00} on our accounts. We never knew that we were on this PMA Package since they move us to online statements. We were receiving statements for our IRA 's and we thought that we were not receiving statements of our emergency account because the account was dormant. We moved from Wells Fargo most of our IRA 's and left the emergency account there because we used it for our Safety Deposit Box and medical emergency. A year and several months later we learned that they were deducting {$30.00} XXXX every month for not being under the PMA Package, even if the checking account still named Crown Classic. They deducted {$30.00} XXXX every month from XX/XX/XXXX to XX/XX/XXXX for a total of {$570.00} XXXX. We trusted them so when I went to the branch to check my wife 's IRA they told me that my account was dormant and that I need to deposit more money which I did a couple of occasions. How can an account be dormant if they are withdrawing money every month?! When we realized about this happening on XX/XX/XXXX we talked to every person at the bank, we asked who authorized the change to a PMA Package account because we did not ; they did not provide us a document signed by us that could prove that. We even spoke with the District manager, she said they sent statements to our house, which was not true. Finally, they accepted their mistake but they said they only could reimburse us for XXXX fees, which they did by stopping the fee for XX/XX/XXXX and reimbursing us {$60.00} XXXX for the month of XXXX and XX/XX/XXXX. So basically we lost {$480.00} XXXX for being moved to an account we never authorized or asked. We trusted them with our emergency money and they failed. We trusted them because my aunt worked over 50+ years for them until she retired. We closed our accounts with them as soon as our Safety Deposit Box was due 3 months later and we never want to bank again with them. I do not understand how the bank could move us to another of their products without our approval and authorization. I hope you can help us with this issue.
Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX XXXX Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening
AFNI is trying to c ollect a bill from  XXXX   XXXX   XXXX  in the amount of {$440.00} which is incorrect. My assigned acct # wit h AFNI  is  XXXX .  XXXX   XXXX   XXXX  continued to bill me after my request for the service to be cancelled. Then sent this erroneous amount to a collector. THIS IS WRONG!!!!!!
My problems are three-fold : 1 ) Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency and did not issue information regarding the attach until MONTHS after the fact. Long enough for their employees to sell company stock at a higher price KNOWING price-per-share would plummet after revealing such a wide reaching leak of information. 2 ) Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, as well as credit card numbers for millions of people. 3 ) Equifax did not take proper security measures to protect their digital site and by not doing so, allowed hackers to target vulnerability within their network to gain access to personal files and information. 

Absolutely disgusting.