WillisBack/dataset-financial-user-claim huggingface dataset:
COLLECTION COMPANY OPERATING UNDER THE NAME OF A DISSOLVED CORPORATION  ( F IDELITY CREDITOR SERVICE,  XXXX   )  BOUGHT AN OLD JUDGMENT ( ISSUED IN  XXXX   XXXX   )  FROM THE OWNER OF JUDGMENT.   THEY FILED A RENEWAL OF JUDGMENT AT THE MERCED SUPERIOR COURT IN  XXXX   XXXX   (  PRIOR TO THE EXPIRATION OF JUDGMENT ) UNDER THE NAME OF THE DISSOLVED CORPORATION.   THEY CALLED ME NUMEROUS TIMES THREATENING TO RUIN MY CREDIT BY REPORTING IT TO ALL THE CREDIT AGENCIES.   I WAS NEVER SERVED WITH THE RENEWAL AS THEY SENT IT TO AN ADDRESS WHERE I HAVE NEVER LIVED.   IN  XXXX  I FOUND OUT ABOUT IT BECAUSE THEY ISSUED A LEVY AGAINST AN OLD BANK ACCOUNT.   I CONTACTED THE COURT AND TRIED TO APPEAL IT ON THE BASIS THAT THEY ARE A DISSOLVED CORPORATION.   THEY WENT AHEAD AND TRANSFERRED THE RENEWAL OF JUDGMENT FROM FIDELITY CREDITOR SERVICE  XXXX  TO  FIDELITY CAPITAL  HOLDINGS  XXXX  DBA FIDELITY CREDITOR SERVICE,  XXXX .   THEY CAN NOT BE DOING BUSINESS AS A CORPORATION WHICH HAS BEEN DISSOLVED.   CALIFORNIA LEGISLATION BUSINESS AND PROFESSIONS CODE CHAPTER  5 ( CODE 17910.5  ( a ) STATES THAT NO ONE CAN ADOPT A FICTITIOUS BUSINESS NAME  ( DBA )  WHICH INCLUDES " CORPORATION '', "  CORP. '', " INCORPORATED '' OR " INC.  '' UNLESS IT IS A CORPORATION ORGANIZED PURSUANT TO THE LAWS OF THIS STATE.   THEY HAVE BROKEN THE LAW IN BOTH INSTANCES.   I AM ATTACHING ALL PERTINENT DOCUMENTS
Citi Bank Cards Customer Service has BLOCKED my accounts. 

Can not get any support fees, disputes, credits, and card retention. 

Six months of ZERO support. 

Elevated problem to Presidential Escalation and the managers NEVER responded back to solve numerous problems. 

XXXX XXXX XXXX, rudley hunup on me not willing to listen and resolve probelms. 

XXXX XXXX is a problem within teh XXXX chain of command with his bhostile attitude and unprofessional treatment.
I transferred approximately XXXX LTC from XXXX ( Coinbase 's exchange ) after a somewhat glitchy " submit '' button was presented on screen, noting that I 've made too many transactions within the hour, despite only making one other withdrawal. My account is verified as well, so this was odd. Eventually after trying 3 or 4 times, the transfer said " submitted ''. This was XX/XX/XXXX. Around 13 days later ( XX/XX/XXXX ), I have still yet to receive the XXXX LTC from my XXXX account to my Binance account. On the Coinbase site, if you send any crypto from XXXX to another place, say a wallet or another exchange, there are two transaction notifications. One says " Transferred X '' and the other says " Sent X '', where X is the cryptocurrency. On this transaction, unlike the others, it just has " Transferred X ''. The certificate on the site was valid, and I always read aloud and double check the addresses to make sure they are correct. All this causes me to believe that Coinbase still contains my LTC ( worth ~ {$50.00} ). I 've sent support tickets and called, but no response has been made and I would like my money back. I am Case # XXXX.
XXXX XXXX, is showing 30 days late when in fact I submitted proof I was never late. On XX/XX/2018, I want this removed.
There were XXXX items that still appear on my credit reports after receiving confirmation that they were deleted. I received confirmation that these items have been deleted as well and they still are appearing inaccurately on my report. It is also a violation of the FCRA to re insert items previously deleted without notifying me within 5 days of its reinsertion. I demand that these items be deleted before proceeding. 

I have attached the deletions record from you as well as my ID
I paid off my XXXX account in XXXX with EOS-CCA from XXXX a debt collector from XXXX. I settled and paid my debt in full under the terms that EOS offered me. 
I am applying for a mortgage and need to have a letter sent to me showing this debt has been settled and need this to reflect in my credit report. My account number is XXXX. 
They refuse to report the debt as paid in full and keep stating it is XXXX 's duty to do so. I have contacted XXXX and they tell me it is EOS_CCA responsibility. I do n't know who to believe. 
I need a letter to be sent to me that I have paid this off and I need to have this information reflected on my credit report as soon as possible. Thank you. 
Sincerely, XXXX
In XXXX of this year, I opened a Citigold checking account using the promotion code XXXX. The promotion awarded XXXX Aadvantage miles upon completing {$1000.00} in debit purchases and one or more qualifying bill pays in two consecutive months within 60 days of account opening. A copy of the terms and conditions outlining the requirements and bonus is attached. 

I completed the requirements on XXXX XXXX, 2016 and sent a message via Citi 's online secure message system to confirm I met the requirements and will receive the miles. On XXXX XXXX, 2016 Citi responded saying I was enrolled in the promotion, met the requirements, and will receive the miles within 90 days ( by XXXX XXXX, 2016. ) A copy of Citi 's response is attached. 

On XXXX XXXX, 2016, I messaged Citi again to confirm the miles would be awarded by XXXX XXXX, 2016. They responded by refusing to award the miles as described in the terms and conditions despite previously confirming that I am eligible and will receive the bonus. The terms and conditions state I would receive the miles within 90 days ( which would be XXXX XXXX, 2016 ) and Citi confirmed I qualified for the promotion, but the miles still have not been awarded. I feel misled by Citi and believe they are not holding up their end of the terms and conditions of the account I opened.
Hello My Name Is XXXX XXXX XXXX Birthday XX/XX/XXXX Iam A Us Citizen I Couldnt Open A XXXX  Checking Account When I Went To The Branch They Mailed Me A Paper To My Home And It Says My Credit Score Is XXXX it Says The Key Factors Is Because Too Few Mortgage accounts and length of time most recent collection has established is too short/ to many serious derogatory items /total amount past due or collection amount is too high and I Never Took Out Loans From No Where I Also Never Owned A House I Never Owned A Credit Card From No Where Everything I Ever Brought In My Life I Always Paid Cash For It I dont Have no Bank Accounts I Use To Have Bank Of America And XXXX  But My Cards Was Lost To Them And I Asked Them To Close The Accounts Thats At The Time When My Oldest Daughter Was Living With Me XXXX I Dont Own A vehicle I dont have a job Im a XXXX XXXX XXXX with a XXXX XXXX With XXXX Other Children That Also Live At Home With Zone I Caught My Oldest Daughter XXXX XXXX Age XXXX Going Threw My Important Papers And Since And Every Since I Caught Her I talked to the police about it and they said that it aint Identity theft because she didnt steal my ID or social security card I caught her with all my information writing it down then she ran Out The House And I Didnt No What To Do About All This I Really Need All This Cleared Up Because this is Not My Doing I Obey The Law Please Can Your Company Clear This All Up Because I Would Like A Bank Account But They Saying I Cant Have One Because of All This I Need For This To Be Cleared Up As Soon as Possible Thank You Sincerely XXXX XXXX XXXX
The supposed loan I owe is through navient. I questioned the loan because I have no documents on it. I had asked for documents to verify the validity of this loan several times over the last two years, I have called multiple times and sent a written letter. 
By navients own admission I have never completed an electronic application for a loan, yet when they send me the loan documents the promissary note says electronic signature on file. It's also a page I've never seen before and absolutely have never signed, so the the signature and date are falsified. They also still fail to send all of the requested documents like the electronic balance transfer authorization or original loan documents which are necessary to show and they legally have to send. I believe the school or navient has done something fraudulent and that the loan is not valid.
A check of my credit report shows a {$70.00} collection from Credit Collection Services ( CCS ). On XXXX2017 I telephoned CCS to find out about it and it turns out that the original bill was XXXX XXXX on a policy that XXXX mistakenly auto-renewed after I had cancelled. This never should have billed in the first place.
Let me state clearly that I have never been notified of any debt owed or collection action by CCS. It was obvious that they did not have a telephone number nor an accurate address on file for me. This is clearly a case where I was not notified at any time prior to the negative item being placed on my credit.
I explained this to CCS and since the amount is so small, I suggested that even though I do not owe this money, I was willing to pay the {$70.00} if CCS provided me a letter stating that they would remove the negative item from my credit report upon full payment.
Even though I explicitly stated my willingness to pay a debt that I do not owe in order to get the negative item off my credit report, CCS was unwilling to discuss resolution. Even after requesting a supervisor, all they were interested in doing was obtaining my current address and phone number. I let them know that if they were unwilling to resolve the issue I would be filing complaints against them.
Due to their unwillingness to resolve an obviously clear mistake on their part, I now must go through the re-validation process ( this will take weeks or months ).
I explained that this negative item on my credit report is in error and requested that CCS validate the claim and remove the negative item from my credit report.
I request that they validate the debt is in error and immediately remove the negative item on my credit report. I was never notified of this collection issue. This is their account # XXXX on my credit in the amount of {$70.00}. It is my intention to file a complaint with the Attorney General of the State of Florida, the BBB as well as the actions afforded me under the FDCPA and FCRA.
It all started when moved to another town. We forgot to put in a forwarding address and when Chase Bank sent out a letter asking to confirm we have insurance on a house it didn't forward to our address. Evidently Case put their insurance on our house which included the property taxes that I pay at the end of every year. I don't know why they did that with my taxes but they took it upon themselves to add that to my payment also.. That put my house payment {$400.00} over what I would be paying. I paid it the first month and did all the appropriate things I should. I had my XXXX  rep. send them prof of my insurance, this after a full day on the phone getting the right person and giving them all the info they needed to insure everything would be straightened out. The next month Chase did the same thing. I sent them what should be my correct payment and they said because I didn't send them the correct amount they took it out of my escrow. This time when I talked to them they said XXXX  said they cancelled my insurance. Now I know this wasn't true. I called my rep. and he was appalled. This time I gave him the Chase persons fax number they gave me. And then I went to my Chase bank and again complained over what they were doing. They assured me that they will prorate any money they have taken out. I know Chase is famous for not giving back money and instead will just apply it to the principal and interest.

Then this month came and they did it again. I have talked to many people trying to straighten this out and they just keep letting it happen. It's like they are giving me the royal run around. I feel like a nobody. They are treating me like Trump treated DACA. They acted like they were going to help me, then they just went on doing what they always do. Steal my money.
In XXXX 2014, I took out a {$5000.00} personal loan with Cash Call, Inc. The terms of the loan are egregious and predatory. My annual percentage rate is 116 %. The cost of my loan, according to my contract is {$35000.00} and the total cost, if payments ( 84 ) are paid according to schedule, will be {$40000.00}. My monthly payments are {$480.00} ( with exception of my first payment which was {$640.00} ) and are debited from my checking account each month. After making payments on my loan for the past two years, I find that as little as XXXX cents a month has been applied to the principal amount of my loan. Currently, less that {$3.00} per month is applied toward each payment.
On XXXX/XXXX/2017, I learned that I was one of millions of customers that were victims of a security breach at Equifax. Information stolen included name, social security number, and date of birth.
I opened a checking account with Fifth Third Bank during XX/XX/XXXX. After meeting certain requirements, they issued me a {$250.00} account opening bonus. 

On XX/XX/XXXX, I went into the branch to inquire whether or not the bonus is considered interest. I had not received a XXXX form from Fifth Third Bank at that time. After checking the bank 's systems online, the branch officer indicated that there would be no XXXX issued to me for this bonus. Relying on that information, I e-filed my state and federal income tax returns for XX/XX/XXXX. 

On XX/XX/XXXX, I received an e-mail from Fifth Third Bank that a new tax document was available for my checking account online. I went online and discovered that they issued me a XXXX for the bonus amount on XX/XX/XXXX. I still have not received the form in the mail. My understanding of the tax regulations is that the bank was required to mail me a XXXX form by XX/XX/XXXX for calendar year XX/XX/XXXX. Fifth Third Bank did not comply with the tax regulations in this regard. 

Because Fifth Third Bank did not follow the tax regulations by issuing me a XXXX form in a timely manner, I will now be required to file amended tax returns at both the state and federal levels. This will result in added time and expense on my part.
The payment amount changed again, and upon changed i called and confirmed the additionl payment amount due well prior to the due / late charge date. I believe XX/XX/XXXX.

I made a XXXX   payment XX/XX/XXXX on amount due XX/XX/XXXX. Then addional XXXX within the grace period.

They are posting the payments to priciple & not the actual payment due. Thier representitives our misinforming each and every thime I have called them. They are indicating my additional payments are sufficient to cover my monthly obligation as they all have been well above minimum payment amounts, yet they have ruined by credit report.

today they have informed me via telephone i cant pay prior to 30 day payment due date. Although every call prior they claim my payment schedule was ok, and i need not worry about any report, or late fee!. There have been not late fee charges as the payments have not been late.

this whole matter is far to confusing to any consumer, and thier call center reps are as confused as the cunsomers when on the phone. This whole thing is obserd
Non Account holding Inquiries on my credit report which I did not authorized. I sent a letter to Equifax explaining how I did not authorized the credit inquiries yet they still continue to report them on my credit report. Here 's the inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well
My accounts with :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX  were paid in full at  XXXX   XXXX  and are not a valid collections account, you will find the receipt of payment attached.
I pay Chase Bank weekly for my credit card bill. Despite receiving my weekly payments that cover the monthly charges and late fees with extra to go toward my balance, Chase calls me numerous times a day demanding more money.
I mailed written request for verification of alleged debt to XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX. XXXX noted duplication on report and sent notice of removal of record regarding XXXX yet it remains on report. See attached. 

XXXX has failed to provide my dated signature for this alleged debt. 

This alleged debt is listed as being created in XXXX of 2009. According to statutes, the debt, alleged or otherwise, should be removed after 7 years. I respectfully request the alleged and inaccurate debt be removed from my credit report.
I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Experian continues to report the account incorrectly and needs to just remove the improperly reported account from my credit report.
I am very concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX , XXXX XXXX, XXXX XXXX   XXXX
After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, XXXX, & Transunion, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
XXXX - the cellular service provider made a series of unauthorized charges. Attempts to contact and resolve failed as they did not pick-up calls and did not respond to emails ( receipt of which they acknowledged ). Few of the charges they credited back, but several remained unresolved. Barclays Bank, as instructed by them, was called and dispute and request for chargeback were made. The bank attempted to contact the merchant by phone but failed. As usual with that Bank - they DID NOT DEMAND DOCUMENTATION FROM THE MERCHANT. The bank, as I experienced previously, demanded from me that the account be closed and new credit card numbers be issued. That is not acceptable nor is it authorized way of resolving billing disputes. This bank does it for years and I experienced it many times. This bank does not follow Fair Credit Billing Act and their employees are trained to push back and force customers to declare fraudulent transaction by an unknown actor in order to force the change of the card number. That is neither true nor legal. 
The dispute and chargeback process has the ability to correct banks behaviour. Changing the credit card number punishes the consumer as this forces the change of card number in many other places where the consumer might have set-up recurring charges. 
The offense by the bank is not only in abusing FCBA, but also in machinations to delay the process. The dispute was setup on XXXX, on XXXX I received the denial letter ( without any documentation ) demanding that I authorize closure of the account - but the letter was dated XXXX, and the bank did not mail it until XXXX.
I have been a customer of XXXX XXXX since XX/XX/XXXX. Recently, XXXX spun off their financial services arm which was purchased by BNY Mellon. Mellon closed the consumer financial services division on XX/XX/XXXX. I have contacted Mellon repeatedly since XX/XX/XXXX in an attempt to have the remaining funds in my account - almost {$6000.00} returned to me. Each time I call, I speak to supervisor, who tells me that now they need a different form, or a different letter, or a form sent to a different address, that the information that the last supervisor told me was incorrect. I have spoken to XXXX, XXXX, XXXX, and XXXX. I believe BNY Mellon has made a corporate decision to block as many redemptions as possible, with the hope that consumers will eventually give up, run out of time and leave their funds in the hands of Mellon.
I filed a complaint recently that was closed after receiving feedback from Compass. The statement related to when the AG 's office made my past deposits available is false. I've attached both the dates cited by Compass and the dates published in my account on the Texas AG 's support portal. You can see a standard 2 business day delay. I've also attached the email response I received from the AG 's office stating that they make the funds available on the day  deposited. To clarify the timing cited by Compass as  starting in XX/XX/2018, I had 2 checking accounts with them for a few years to separate business income. I recently closed one of  those accounts ( ending in XXXX ) and moved the direct deposit to my current account ( ending in XXXX ). 

For easy reference, my original complaint : My child support payments are issued by the Texas Attorney General via direct deposit twice monthly. I have confirmed with them that the funds are released immediately. There is a standard 2 business day hold on the funds being released by BBVA Compass. The AG 's office posts deposit dates in my account on their website ... if the deposits are made on a Thursday, I don't receive the funds until the following Monday. If the deposit is made on a Tuesday, I receive the funds on Thursday. I have raised this issue with them several times, both via email and on the phone. I've had customer service representatives confirm that they can see the funds pending and they will be available tomorrow. I have also had them tell me that they do not see the funds pending, although the AG 's office shows they were deposited. I have tracked this 2 business day hold for almost 2 years now, as it has caused me significant expense in overdraft fees with Compass. I have read the FDIC rules related to ACH and direct deposits, and I believe Compass is not following them.