WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I have submitted a complaint regarding this issue once before a few months ago and it appeared to be resolved at that moment as I was told the collections would be removed and all was settled. Here we are now in XX/XX/XXXX and this same company has placed a collections back on my account under a different collections agency. They are harassing me and hindering my credit and I request this stop immediately. 

The new collection agencys name is : XXXX XXXX XXXX  Original Creditor name : XXXX XXXX XXXX XXXX XXXX Amount : {$2400.00} My original complaint regarding this issue is copied below for reference. 

Hello, so what happened was that I had an account with XXXX XXXX XXXX for Phone, cable and Internet. During the first month of the account, we learned we were being charged for 2-3 extra phone lines which increased our bill dramatically. After complaining about this issue ( and still paying so our service didn't go out ), they did not fix the issue and it persisted. At the start of the second month, my account went into fraud and my account was shut down, this is because the 2-3 extra phone lines that they added on my account were not being used ( for obvious reasons ) and if a phone line/sim is not used for a certain time, your account goes to fraud. I then had to prove to them that I was not committing fraud. They eventually solved the issue but could not renew my account as once it goes to fraud, it can not be opened. My services such as internet, cable and phone were all shut off and I had to go to a public library to even call them and try to resolve the issue. I then talked to someone via online chat box and after much deliberation they attempted to solve the issue and only have me pay what I owed that month which was about {$95.00}. I did pay and it was resolved only for a few days and then the whole account was suspended again due to non payment, this time the payment was well over {$1500.00} as when the account went into fraud, the payment plans I had on my phones were cancelled and they attempted to charge me for 2 brand new phones even though it was supposed to be only one new phone. I do have a copy of a transcript of the conversation I had with the agent and I do have the case # with XXXX in which I tried to solve. I refused to pay this as not only were they over charging me, they weren't even giving me service and charging me for things that were not even there. They would not help me over the phone after I tried multiple times and it came to the point where I had to leave and just find another provided. I refused to pay this amount and I told them why, but they just sent it to collections and thus my credit has been held XXXX since. ATT Case # : XXXX
A settlement agreement was made with XXXX ( XXXX ) to settle and pay my balances. I paid the balances and made the settlement and my credit bureau accounts are not showing the correct information.
I Submitted a Family Court Order From Support Magistrate ; XXXX XXXX XXXX Dated XXXX XXXX, 2015 ( Docket # : F- XXXX, XXXX # : XXXX ) To Experian Asking Them Too Remove XXXX Account Information From My Credit Report. I was Told In The Dispute Answer They Could Not Use The Court Order. I Submitted The Same Order To XXXX and XXXX Credit Reporting, and The Both Removed The Idem From My Report History!
I had a credit card with XXXX. I was charged on my account with a charge for a service which I did not receive. I objected to the charge, but XXXX XXXX investigated and refused to remove it. This was for a service I did not receive and refused to pay the charge. I closed the account, but XXXX XXXX continued to add interest and late charges and the total bill increased to {$550.00}. This was never a legitimate charge. 
I went to the hospital with a XXXX. I was misdiagnosed in the hospital, got XXXX for nine weeks as a result until later finding medical help. I called the hospital and refused to pay my share of the hospital bill because I was misdiagnosed. The hospital refused to give me credit and subsequently submitted my bill for collection and it wound up on my credit report. This is not a legitimate charge which I had the right to refuse to pay and it should not be on my credit report.
I have had difficulty receiving my free annual credit report from experian. At the last step it directs me to mail them information. This is inconvenient.
Two credit accounts were opened WITHOUT my consent or knowledge. One was XXXX  ( XXXX  ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed. 
Thank you.
Never recieved replacement card got excuses and cancelled card without telling me was always paying on time poor customer service at chase visa
Carfinance is reaging accounts. I had a chargeoff with them on XXXX XXXX. They were reporting a failure to pay on XXXX XXXX as well as falsely reporting a second failure to pay on XXXX XXXX. When I called them out on this and reported it to the credit bureaus, they then placed a last payment update as of XXXX XXXX, XXXX. I have not made a payment to this company since XXXX XXXX. It is illegal to report false payments and reage the account so that it stays on my credit report longer. This is fraud.
Received an invitation in the mail ( XXXX/XXXX/2017 ) from my bank saying ( in very large letters ) : " You ; re Invited ''. " Upgrading your account to " Preferred '' is " easy '' and your account number will not change.
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Shortly afterwards on the same day, I telephoned my bank branch ( Fifth Third ) as instructed by the notice. The bank informed I did n't qualify and needed about {$30000.00} more in my account.
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I find this extremely misleading, evasive and extremely poor business practices. You do n't invite someone and then turn them down, it 's that simple. The bank was also not truthful when they claimed the process was " easy '' ... ..far from that!!!
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After examining the flyer further, I did notice the fine print on the back. However, It should have stated on the front that certain conditions had to be satisfied.
I deposited {$6700.00} ( mostly hundreds ) into a Bank of America ATM ( XXXX XXXX XXXX, XXXX, CA ) on XXXX/XXXX/16. The ATM counted {$4200.00}. I requested to remove my money, as the amount shown was off by {$2500.00}. The ATM gave me back {$4200.00}. I immediately went into the branch and told a manager what had happened. She informed me that they have no control over the ATMs, and gave me a phone number to call. I stayed at the bank and called the number from the bank phone. I spoke with a person who told me I 'd be issued a temporary credit of {$2500.00} while they investigated. I was satisfied, as I was sure they 'd identify the problem. 
Yesterday I received an electronic letter from Bank of America saying they did research, did not find the {$2500.00}, and that the credit to my account would be removed. 
I use this specific bank account to pay bills only, and deposit exact amounts into the account. My business accounts are through BofA, through which over $ XXXX per year circulates. I have been banking with BofA for over two decades. I have never filed any complaint or had any issues. I called and asked to speak to someone in the research department to see what the research consisted of exactly, as I ca n't believe {$2500.00} can go missing. The person I spoke with told me the research department had pulled data from the ATM and determined that I deposited {$4200.00}. This was, of course, the exact problem I had encountered the day I deposited the money. I asked if the money in the ATM had been counted, and was told only that the money is collected once a week and that there is no other information. 
I am very uncomfortable with what has happened. I am shocked that I have completely lost {$2500.00}, and that there does not seem to be anything I can do about it. I was told that someone from the research department would call me back yesterday within 2-4 hours, but no call ever came. 
I hope someone can help me ... I ca n't stand the idea that {$2500.00} is simply gone from my possession. As I mentioned to the person I spoke with over the phone at Bank of America, if the amount was {$100.00}, or even {$200.00}, I may be convinced that it was my error. But this is impossible for an amount of this size. 
Please help!
This complaint is per your offices request I am sending you this formal complaint concerning EXPERIAN, XXXX their business practices. These XXXX bureaus continue to report inaccurate information. 

In the years from XXXX my identity was stolen. I discovered this because an auto loan was opened and several inquiries, where someone has continued to apply for credit in my name.
An update to my case : I received a suspicious notification from " Nelson, Cruz & Associates '' attempting to collect on a non existing debt. They sent a physical letter to my residence on XX/XX/2017 attempting to extort {$990.00} for an " outstanding balance unpaid to XXXX XXXX XXXX ''. Like any well informed consumer, I understand that when an allegation like this is presented, you have a right to know : contact info for the original debtor and proof of money owed. Unbeknownst to this fraudulent entity, I know very well who my creditors are and have always been. I contacted XXXX XXXX myself and they confirmed verbally and in a written letter ( as I knew they would ) that they have no record of my SSN, name, DOB, account etc. They also informed me that they do NOT outsource their collections, but instead have a collections department in house. It was also mentioned that notices from " collections agency '' usually reference the original account # for the money owed, as well as complete contact information for the original debtor. When I spoke to a rep from Nelson, Cruz & Associates, he did not provide any of this information so I could substantiate the claim myself. Instead, he tried to negotiate down the debt and commit me to paying it immediately over the phone. I immediately hung up on him and reported Nelson, Cruz & Associates to the Credit Bureau, Attorney General of Texas, XXXX  and the Federal Trade Commission. I attempted to file a police report in XXXX, TX but was unsuccessful as I live in VA. The only advice I can provide is DON'T pay them a cent. Contact the State and Federal authorities and place a lock on your SSN because they posses personal information that they are using nefariously. 

IMPORTANT TO NOTE, the Nelson Cruz & Associates collection letter said the " client '' was XXXX with no reference whatsoever to XXXX XXXX. XXXX is FALSELY asserting that XXXX is the client of XXXX on this debt, when they are NOT. That has to be illegal.
I have asked for corrections on a XXXX account I paid in-full as I am working to clear a matter concerning a Chapter XXXX that I have not affirmed. You have this under CFPB case # XXXX. CITI sent me a letter dated XX/XX/2018 saying they are going to refund the money paid by my spouse to pay the account in-full so that they can report the account in a negative status rather than correct the erroneous reporting. CITI wants to pretend they were not aware of the Bankruptcy reporting but they were well aware when the payment was made on XX/XX/2018. CITI in-fact was aware on or before XX/XX/2018 as they accepted a payment from me from my checking account. I called XXXX from my cellphone because I could not make the payment myself online and was informed that they had frozen my account access because of the Chapter XXXX being reported but they said that I could pay over the phone using my account they had on file and so I made a {$50.00} payment which they accepted. Due to the hassle of making that payment I had my spouse pay the account in-full. Now CITI wishes to reverse a payment so they can damage my credit rather than correct the reporting. As I stated I have not entered into a Chapter XXXX plan as fraud has been committed and I am committed to correcting it through the legal system. This account has been paid in-full and now they wish to refuse payment so they can generate negative reporting which damages me further credit wise based on creditor fraud. I have their letter as proof they are reversing a paid in-full account to effect negative reporting on my credit.
I am not able to withdraw funds from three UGMA accounts ( I am the custodian of the accounts ) at Ally Bank because the bank is basically unreachable. Recently, its telephone wait times have been ridiculously long and it has not responded to secured messages that I sent to it on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I complained to the bank about both the long wait time ( about 1 hour ) to reach a customer service representative and its inoperative chat system. Ally Bank never responded to that secured message. 

On XXXX/XXXX/XXXX, I sent a second secured message to Ally Bank because the wait time to speak to a customer service representative was about 40 minutes. This time, I gave detailed instructions about the three withdrawals that I wanted to make. Ally Bank has also not responded to this second secured message. 

Today, XXXX/XXXX/XXXX, the wait to speak to an Ally Bank representative is again about 30 minutes and its chat service is once again unavailable.

Ally Bank is an Internet Bank and needs to be easily reachable by both telephone and its chat system. It should not be allowed to conduct business in this manner.
I received a letter on XX/XX/XXXX stating my accounts were being closed with no explanation. The letter stated I had until XX/XX/XXXX to reconcile all banking activity. This left with 5 business days with the weekend and the holiday within that date range. On XX/XX/XXXX after inquiring about the situation via telephone I was informed that my account was frozen and I could not have access to my money. No transactions or automatic payments would be completed which I had intended to be resolved before the XX/XX/XXXX deadline. At that time I had an automatic debit in process for my mortgage and a loan payment due on the first of the month. I was not given an appropriate amount of time to insure these payments were secured. On that same day I was also denied access to my online account which stopped me from being able to view any transactions in process. I was not able to determine if payments of my loan had been processed. I also have a joint credit card with my daughter who is a college student in Florida. I inquired if that account was also targeted and was told there was no information relating to that being it was a separate entity. On XXXX my daughter was denied use of the card and on XXXX I received a letter stating the credit card account was also being shut down. I am completely appalled that a bank can have such unfair practice and control over my money without proper notification. Not allowing me access to my money seems unethical if not illegal. I was never given an explanation for these actions and was told it was not my right to know. I have been a customer for over thirty years and have never had any issues with any of my accounts. In conclusion I am asking for an investigation into this unfair practice. I would like to know that a bank can not take control of someones money without god cause or a reasonable amount of notification. I feel that a thirty day notice is a reasonable amount of time to reconcile or banking  transactions and it should be my right to refute any information used against me to cause my accounts to be closed.
I had scholarship with   XXXX  university , earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.
Citibank has committed fraud against me. 

Having admitted as much, they have refused to remedy the situation. 

Citibank has been deceptive in it 's dealings with me, consistently extremely poor business practices. 

I opened an account with Citibank, through one of their promotions, which promised to pay me {$400.00} bonus, once I completed all requirements. 

I completed all requirements on time, but Citibank has thus far refused to paid me my {$400.00} bonus. 

As phone records, and case notes with both clearly show, many times I have been assured that my {$400.00} bonus would be deposited into my account, yet it consistently has not been deposited. Many times I have been assured I would receive a call back from Citibank management, who would resolve this for me - however, NOT ONE phone call has come, nor has Citibank EVER followed up on ANY of it 's claims to remedy the situation. 

I believe I am the victim of fraud, at the hands of Citibank. 

The pattern of behavior by Citibank customer service, as well as the erroneous charges posted to my account demonstrates, I believe, a willingness to commit what amounts to fraud. 

Two charges were posted to my account fraudulently, by Citibank themselves, but each were removed with separate lengthy calls to customer service, wherein they admitted their " mistake '' each time in posting fraudulent charges to my account, and were thus obligated to reimburse my account their fraudulent charges. 

However, the requirement for me to receive my {$400.00} bonus was that I maintain a continuous {$15000.00} balance for a set period of time. Citibank used it 's fraudulent debits to my account to disrupt my continued balance during that required time, in what I believe was an attempt to avoid paying me the bonus for which I earned. 

Citibank has admitted I should have received my bonus by now - I have not. 
Citibank has assured me that I would receive the bonus by now - I have not. 
Citibank has assured me, on several different occasions, that I would receive a call from Citibank management - I have not received any calls. 

I insist that the {$400.00} bonus be immediately deposited into my Citibank account. 

If the {$400.00} bonus is not immediately deposited into my account, Citibank will furnish copies of all records and communications between myself an Citibank, including audio copies of all phone calls, to be made available to me to take further legal action. 

A thorough and comprehensive reading of my account history, by any independent third party or mediator - will clearly demonstrate a pattern of deception on the part of Citibank, I believe, in the attempt to avoid paying me the {$400.00} bonus I am entitled to.
I am currently  one  month behind on our mortgage payment and working hard to get it back up to date.  WestStar  Mortgage  Company  has been contacting my relatives stating they are calling regarding an active loan in my name and they need to locate me. No one needs to know anything about my loan  (  even that said loan exists ) except me and anyone who I legally state can be given information on the record. I have done no such thing, and now that others are aware that I have a loan with  WestStar I fe el my rights have been violated.
XXXX XXXX of 2017 I applied for a XXXX personal loan. Wells Fargo denied the request. I have a credit score of XXXX ; I have a credit card with them with a limit of XXXX with a current balance of XXXX. I have collateral ( properties ) ; Steady Job ;  been employed by the same company for 14 years ; but I was denied. In the past I been denied twice. Because I m a woman and XXXX. THIS IS PLAIN DESCRIMINATION.
In late XX/XX/XXXX I got a reverse mortgage through XXXX XXXX XXXX XXXX  and their agent XXXX XXXX XXXX. The contract calls for me to email a draw request for funds, then the money is transferred to my checking account within the agreed upon 5 business days. 
On XX/XX/XXXX I made a request for funds. 
On XX/XX/XXXX I asked for an acknowledgement of my request. No reply. 
On XX/XX/XXXX I sent a second request for acknowledgment. No reply. 
On XX/XX/XXXX I sent another email subject " are you out there ''. 
On XX/XX/XXXX, I finally did get an automated reply from XXXX  XXXX XXXX including " This is being sent to you to acknowledge the receipt of your e-mail. Please note that it is not necessary to submit your e-mail more than once. '' ( See attached emails. ) On XX/XX/XXXX - I still did not have my money, I finally called XXXX XXXX and was told just because I see that I sent emails does not mean they got the emails?! I was told maybe I had the wrong email address. Later XXXX XXXX XXXX XXXX  had a supervisor from XXXX XXXX   call me - she also suggested maybe I transposed some wrong letters in the email address. She would try to expedite the matter for me. 

XX/XX/XXXX, today, and still no money way past the 5 day period. I am about to incur a {$500.00} late penalty for not paying my yearly condo fee on time. I need help.
Debt was paid in full with us bank who has deleted this account from my credit report. In addition Portfolio is reporting the first date of default as of XXXX but it was back in 2008 and not it has passed a 7 year statute of limitations that account is allowed to be reported on credit report. However, Portfolio is refusing to admit that fact that they are illegally attempting to collect on the debt that has been 1st settled in full with original creditor who already deleted it from my credit report and 2nd this has passed a 7 year statute of limitations for the account allowed to be reported on my credit and 3rd it has passed a 4 year statute of limitations that collector has the right to attempt to collect a debt on the past due and expired account. Plus porfolio continues their harassing phone calls, and letters even though I sent them with cease and desist letters via certified mail, they claiming not to receive them and keep harassing calls to my home and cell # at in aunapropriate times of the day. THESE ILLEGAL COLLECTIONS AND HARAsSMENTS MUST STOP IMMEDIATELY!
Nationwide Debt Management Solutions , LLC  (   XXXX   ) Ke eps calling over and over harassing myself, family members, friends and my fianc family.     They call over and over, one call seconds apart. I have asked them to stop they keep calling and are now on to calling these other people.     They are not just asking for me, they are asking for my fianc as well, she has nothing to do with this alleged debt.
I purchased a XXXX XXXX around XXXX that was financed throughthrough Lobel Financial. Shortly after purchasing the vehicle it began to havemajor mechanical problems. I went back to the dealer who would not help me. 
My ex-husband took the vehicle to his mechanic without my knowledge. Thismechanic did work on the vehicle that cost more than what the vehicle wasworth and I did not authorize the work. I could not pay for this. I called Lobel financial and let them know whatwas going on. I gave them the information for the mechanic. They did n't want tohelp me either. They told me I was still responsible. I told them I could n't payfor a vehicle that I did n't have. I asked about lemon laws. No one would help me. 
I received several threatening phone calls from Lobel 's reps. They finally toldthat it would be charged off on my credit against me. Now XXXX years later, I goto purchase a vehicle and I am told that Lobel is showing XXXX days past due andthat this is effecting my credit rating. I have called Lobel and even gone into thebranch to try and get this resolved. They gave me the phone number to theirattorney ( XXXX ) XXXX who I have called and left messages for with no returncall. I do n't know what else to do.