WillisBack/dataset-financial-user-claim huggingface dataset:
I discontinued my telephone and internet service with XXXX XXXX in XXXX of XXXX. I paid the XXXX bill of XXXX on XXXX/XXXX/XXXX. XXXX XXXX TV was bundled with XXXX XXXX phone and internet service and it took 2 months for them to stop billing me for XXXX and release me to pay them directly rather than through XXXX and they would not release me until I had a final bill from XXXX XXXX and had paid it. I paid XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. I was told at that time that I had paid all I owed. I paid my XXXX bill for XXXX to XXXX on XXXX/XXXX/XXXX and continued to pay them from that point forward. In XXXX of XXXX I received a notice from a collection agency demanding payment of {$51.00} due to a balance due on my account with XXXX XXXX. This was 9 months after I had discontinued my service with XXXX XXXX and 7 months after I had been told by XXXX that I had paid the final bill with them. Rather than contact or bill me directly, they turned what they claimed I owed them over to a collection agency. I spent over an hour on the phone with several different people at XXXX XXXX trying to get an explanation for the charge. I was finally told that the amount came from money they paid to XXXX on my behalf. The problem is that I never missed a payment to XXXX. I had paid XXXX for XXXX and XXXX and then I paid XXXX directly starting in XXXX of XXXX. If XXXX XXXX paid money to XXXX after XXXX then they paid money that was n't owed and they need to talk to XXXX about refunding it. XXXX XXXX reported me to the credit reporting companies and my credit rating took a big drop from almost XXXX to under XXXX. I contacted the agencies and disputed the debt. They researched it and deleted it. My credit rating went back up to over XXXX. Then XXXX XXXX turned my account over to another debt collector and I got another demand for payment dated XXXX/XXXX/XXXX from the new agency. I assume they will report me to the credit agencies again and I will have to go through the whole process again. I do n't owe them any money and it is nothing short of harassment for them to be demanding payment from me. The debt they claim I owe is the result of their inability to manage their own account records.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Good Afternoon , Re : Barclaycard    XXXX   XXXX    XXXX   XXXX , DE,  XXXX  Act # ending in  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  The account information reporting on all credit reports, is incorrect. My name is  XXXX   XXXX , and my sons name is  XXXX   XXXX   XXXX . Barclaycard has been reporting this account incorrectly. I 'm  XXXX   XXXX  not  XXXX   XXXX   XXXX . I have requested they delete this account from my credit report, and for the past year, I 've had no success. They keep replying with letters, advising information is correct. I kindly ask you to please help me remove this erroneous information off my credit reports, since this has now begun to affect me.     I thank you in advance, for all your help resolving this matter.      Kind  Regards,  XXXX   XXXX
Hello. i would like to report TD Bank for excessive overdraft fees, I had made one transaction with XXXX on XX/XX/XXXX which came out as XXXX transactions instead of XXXX and another transaction was made with XXXX on XX/XX/XXXXTD took out the XXXX transaction first then took out the XXXX transactionsXXXX .When I made XXXX transaction there was a positive amount in my checking. The XXXX transaction put my account into a negative balance. So because they didnt post transactions chronologically they  charged me XXXX bounced check charges instead of one. TD Bank makes a habit of doing this time and time again. Not the first time they did this. Guess its their way of getting more money out of me. So I got charged XXXX bounced check charges XXXX instead of one. They now really threw me into a negative balance with XXXX taken out instead of XXXX and now everything is bouncing . So the deposit I made to cover what should of been one bounce check charge is not enough to cover my account. This is bad banking practice and a way to steal money from their customers. I am sure they do this to a lot of customers and getting rich doing this.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. 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. Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
I was trying to send money from my XXXX USD wallet to my bank account but TD bank did n't allow me to access my account and when I called the first time the customer service representative did n't really know what was the issue and recommend opening an account with another bank. The second time I called another representative told me that they did n't know what was going on and that I should consult with XXXX.
i send a cashier check for {$15000.00} XXXX XXXX XXXX to pay off my house but on XXXX XXXX XXXX my check was returned so I call to ask why they told me I didnot send enough money so i ask them how much more they needed they said they could not tell me and I would have to request a payoff amount they could not mail it or tell me over the phone it had to be mailed I received it on XXXX XXXX for XXXX more and a late fee i asked them how much was due on XXXX when they received my they would not tell me so I have been charge XXXX days of interest and a late fee on a house that should have been paid off
My name on the mortgage is XXXX XXXX, but my name is XXXX XXXX now. 

I was denied a home modification in XX/XX/XXXX, because I had previously received a modification. I'm working full time now and can afford to pay the mortgage. I spoke with my Bank of America representative XXXX XXXX on XX/XX/XXXX, and she advised me that I was qualified for a repayment and I would have to pay a down payment of {$950.00} and I would pay a payment and a half for 6 months of approximately $ XXXX.She advised me that I had until XX/XX/XXXX, or they would have to recalculate the payments for XXXX. She advised me she would be out of town and would be able to be reached until later the first week of XXXX. 

I called on XX/XX/XXXX, to get my new calculations and she advised me that I didn't qualify for the repayment plan based on my income, but I qualified for the repayment plan for XXXX. When questioned, she told me I was stressing her out, I was being petty about what she was saying to me. XXXX XXXX also told me they didn't have my updated income or budget and they did. 

All of this time I've been talking to Bank of America and trying to get a modification or repayment plan, they never advised me that I was entering foreclosure. I was actively trying to pay the balance off. They never advised me of dual tracking. I called today, XX/XX/XXXX, to pay the balance that was approximately {$2100.00} and she told me I couldn't pay today because I have entered foreclosure. I asked was I in foreclosure on XX/XX/XXXX, when we talked two days before today? She told me no, which I find hard to believe that I'm now in foreclosure. I was never advised these past two or three months I've been speaking with her that I was in foreclosure. 

Now I have to wait until after XX/XX/XXXX, and I'm sure it will include more charges for me to reinstate my mortgage. I have the {$2100.00} and would have paid it on XX/XX/XXXX, if she had informed me I was in foreclosure. 

The problem I had paying my mortgage is I haven't worked full time since XXXX and struggled to make payments. I hadn't made a payment since XX/XX/XXXX because I was raising the funds to pay the past due of the mortgage, but Bank of America never told me I was in dual tracking when I was trying to get a modification.
Great Lakes Borrower Services, GreatLakes.org appears to be altering Auto Pay plans, and using my yearly renewal of Income Based Repayment plans as an excuse to disrupt my payment schedule, collect more interest, compromise my payment record, and in the end disqualify me from income based repayment benefits. 

Their auto pay system updated my scheduled plan to skip two months of payments.
I got an email saying that on XX/XX/XXXX I had an inquiry for a loan which I didnt apply for. Tried calling company but number was wrong
My complaint is against the offices of ARS out of XXXX NY. They are collecting debts on behalf of XXXX XXXX. Yes, I do owe them money, however, I am working through XXXX XXXX XXXX to negotiate this debt and repay what I am able to afford. I have not flat out refused to pay this money, but they have flat out refused my negotiation. I have no problem with them calling me, but they have contacted my husband, my mother, and now my grandmother who are not associated with this debt. I feel this is a violation of their privacy, and it needs to stop immediately.
While banking with  US Bank I  was charged a total of {$360.00} in fees. The issue I have with this is that the fees should not have been charged to my account in the first place. These fees resulted in my account closing and the information being reported to   XXXX   XXXX   for {$250.00}. After disputing this w ith US Ban k there was no correction made. I feel that I took the proper steps to avoid these fees and that I should still have {$100.00} in my account with them. A t one poi nt I even tried to pay the unjust fees with a secured card I had through them. But their lack of concern allowed my information to be sent to   XXXX   XXXX   before  US Ba nk would take the payment. I am now requesting that all information be removed from   XXXX   XXXX    and that the credit of {$110.00} be applied.
I contacted my mortgage lender, Wells Fargo Home Mortgage to request a loan modification. I am in a Chapter XXXX bankruptcy. I am current on the post-petition mortgage payments, but I would like to modify the loan because I want to bring the loan current so that I do not lose my home because I am not able to sustain the bankruptcy payments so it will eventually dismiss. After getting the approval of my BK Attorney, XXXX XXXX to speak to me regarding my loan, WFHM took me through a series of questions to determine if I was eligible to apply for the modification. They advised me that I was and began to collect my financial information ( i.e. income and expenses ). They quickly denied my loan modification request, when I asked why, I was told it was because I was in bankruptcy. I asked for more details, they could not provide. I do feel that this is a mishandle of my loan which could cause me to loss my home to foreclosure. How can you approve me to apply for a loan modification while in bankruptcy and use the bankruptcy as a reason to deny it? I want this investigated as I believe my loan modification request has been handled negligently.
There is a credit reporting agency claiming I owe {$3200.00} on my credit report this month!! I dont owe it!!! There is a flag on my account to confirm identity. XXXX credit agency has never contacted me!! 

XXXX XXXX XXXX  reports from 7 years ago I owe {$420.00}, they went as far as showed payments - I never made payments - its not my account!!! 

Ive contacted both companies who cant prove its me and I cant prove its not me!! I have no paperwork or evidence for credit I dont have!!!! 

You did nothing when XXXX stole {$2500.00} from me so I doubt you will do anything now!!!! Im sick of big companies stealing my life!!!! My credit is perfect and I pay all my bills!!!
Equifax stares on my dispute form that they verified a bankruptcy via XXXX XXXX. However my XXXX XXXX has been frozen for quite sometime now due to previous fraud and i also have a fraud warning on my equifax account. I called XXXX XXXX  to find out if any information was requested and they reported no and that my account was frozen. I called equifax customer service to find out what method they used to verify the bankruptcy and they stated that they used a 3rd XXXX XXXX, i said that was impossible because the account is frozen. They then stated they went through a different 3rd service. I asked which one because by law you have to disclose and the agent didnt say anything i also stated that in my report its states they used XXXX XXXX. After about 19 mins i asked for a supervisor who stated they called the court and verified which i know is false because courts dont verify with CRAs. Once i brought that to her attention she said they verify different ways. I advised her they were reporting incorrect information and i would be reporting to the CFPB and she whatever.
I HAVE SENT EXPERIAN NOTICES TIME AFTER TIME ABOUT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT THIS ACCOUNT DOES NOT BELONG TO ME AND I HAVE ATTACHED MY CERTIFIED UCC11 WHICH STATES I DO NOT HAVE A LIEN AGAINST ME FROM XXXX HIGH BALANCE XXXX. I HAVE ATTACHED THE CREDIT REPORT LISTING FROM XXXX I HAVE ATTACHED A DEBT VALIDATION LETTER FOR EXPERIAN TO COMPLETE
An employee with ace cashing changed the last digit of my driver linsence. The check was from XXXX XXXX in the amount of {$5000.00}. The last digit of my linsence is XXXX not XXXX. XXXX XXXX was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number XXXX. The courts shows I was discharged XX/XX/XXXX. XXXX XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was under wage earner. The new loan is with XXXX XXXX.
BMW auto was totaled in XX/XX/2014 due to an accident. My insurance paid my loan in full in XX/XX/XXXX. BMW has been reported for 5 years that I was 30 days late and that it was in collections and part of a bankruptcy. I have attempted to resolve directly with bmw and credit bureaus with no result. I believe they are purposely doing this do I will have to pay more with following contracts.
I have a collection account to " Trident Asset Management '' ( TAM ) in the amount of {$400.00}, opened on XX/XX/2015. The debt claims to be a a XXXX account, except I had an open and active XXXX account when this was initiated. I have made several attempts to dispute the account, but TAM continues to " confirm '' the account. I have made attempts to see their information they use to " confirm '' the information, i.e. my signature on a contract, but the company does not acknowledge my request. XXXX also fails to acknowledge the account or provide information. I have ZERO KNOWLEDGE of this account and request it be removed.
TransUnion poor reporting practices. They are still reporting fraudulent information of my credit report. I sent each credit reporting agency the same information and the other bureaus delete it but TransUnion still reports it. My credit report clearly demonstrate that information appearing on my credit report is inaccurate and is damaging my character, credibility and ability to obtain credit. 

Fraudulent amounts : {$14000.00}, {$13000.00}, {$4200.00}, {$17000.00}
On XX/XX/2018, I opened an HSBC Advance checking account to take advantage of the attached {$350.00} Welcome Deposit bonus offer. I deposited {$10000.00} into the account, maintained the balance for 90 days and waited the additional 8 weeks for the bonus to credit. After the 8 weeks expired, I contacted HSBC several times through their live online chat, their 1-800 phone number and their website 's secure mail. I was promised that they would open a case, contact the promotional team and get back to me. I never received a follow up and it's been 2 months since I should have received the bonus at the latest and since I first was promised they would get back to me. I continue to maintain the {$10000.00} balance in the account.
I did not receive the promotional 0 % interest rate for twelve months offered when I applied for the card online. Not only did I NOT receive the 0 % interest, I received a whopping 26.24 % rate. When I noticed it on my statement, I called XXXX XXXX XXXX. The agent responded, " Maam, that was only for balance transfers. '' I first used the card in XX/XX/2017 and the last time I used it was the following month. After receiveing the first statement, I called them, but after no resolve, I imediately stopped using it. 

XXXX XXXX is using deceptive practices to lure unsuspecting victims into debt with them. I did not go on the XXXX site looking for a credit card, but instead toget an airline ticket. I already had major credit cards that I could have used for the purchase, when suddenly an ad popped up with a question asking if I wanted to save, if I remember correctly, {$50.00} on the flight? The XXXX credit card promotion offered 0 % interest and a {$50.00} credit to my card. I knew it would be approved because I had a good credit standing. I just thought it seemed like a good offer. But I know now that it was a teaser to lure in unsuspecting consumers like me. 

At this point, I feel taken advantage of by XXXX and stressed each time I get a statement. In fact, I am sitting here crying right now over the most recent one. I have contacted them again today concerning this same matter and am waiting for a reply. I have requested XXXX refund all interest charged back to my account since I first used the card last year, and I requested that they give me the duration of my 12 months to pay the remaining balance at 0 % interest rate. Please help! 

Respectfully, Unhappy in MS
my complaints are against XXXX  capital one and credit one. they have refused to accept any type of payment because i tried out of my bank account which was registered with these companies and they will take payments from my account that are legitimate but then send the check back which cost me more money the take the money out a week late sending me into overdraft but then when you call them they say they don't even know if you have a bank account. then they call repeatedly saying that you are not making payments. plus my cards have been for about 3 years and i reported it as soon as i noticed them missing and was given the response of what business is it of ours because you owe us. and then they refused to close my account. now 4 years after they started reporting to the credit bureaus that i owe them XXXX when its on my reports that i owe them only XXXX but they want the money up front. this prevents me from getting a job because they constantly call and harass me. then when i call them to complain i get the response that its no concern of theirs. then they start putting negative reports on my credit report and putting me under collections. they always wait until after they cost me a job before they start with the calls and bills, but they leave me alone when i do have a job. so i am filing this report because i have tried to call them and report my cards missing, i have also tried filing reports but have been ignored. also when i try for a credit card im denied because of these claims. i also had XXXX  visa and master cards that were stolen about 6 years ago the same day i was pushed in front of and struck by a train. these cards were being used the whole time i was on deaths door stop. i had reported this to the credit bureaus once i was able to. i want all these negative and fraudulent reports off my credit report and my credit restored. this is the first time i am writing to you because i am getting sick of not being able to find or keep a job due to harassing constant calls about money i don't owe and then to have my credit score negatively affected due to the fraudulent reports also im tired of almost being hit by cars and losing my life to this XXXX  as well as being denied housing and other credit cards i have applied for and have been denied due to nonpayment of debts that i am not even aware of. also capital one and credit one say that after every 6 on time payments they increase the credit limit but for me they stopped after the third payment because they started callig all my payment methods fraud and claiming that they did not know if i even had a bank account the very same issue has arisen with finger hut and i want this stopped and corrected.
XX/XX/XXXX, I entered an agreement with Gurstel Ghargo, PA in Minnesota following a stipulation and Confession of Judgement dated XX/XX/XXXX. I was supposed to make XXXX payments total of XXXX each and I made the payments religiously until the last two payments when the creditors contacted us to say that they have severed relationship with Gurstel Chargo and we should send subsequent payments to another collection agency, XXXX XXXX XXXX. They gave us the new information. I completed the remaining two payments with XXXX XXXX XXXX XX/XX/XXXX. To my greatest dismay, Gurstel Ghargo filed a judgement again me in XXXX County District Court on XX/XX/XXXX, claiming that I did not complete payment. I immediately responded with evidence of having paid the account in full, which I sent via certified mail. They received it because I received confirmation to that effect. Not hearing from them after sending the documents, I followed with several phone calls that they never returned. Now the judgement is still effective and all attempts to reach Gurstel Chargo to withdraw the judgement have failed. It may interest you to know also that whenever I called and gave them the last XXXX digits of my social, another person 's name pops up. At one time, they said that the account did not exist and transferred me to a voice message that never got back to me. 

I have had several problems with this agency. When XXXX XXXX XXXX severed relationship with them, I was told that it was due to some inappropriate business practices. I also feel that they are trying to stick someone else 's debt on me but it backfired due to their negligence and lack of organization. It may also very well be a malicious act on their part. 

What is even more upsetting is that they file frivolous lawsuits to get people to succumb due to lack of representation or resources. They also never send any notice of any filing or notice of summon, and just surprise people with a judgement against them. They have tried to remove funds from my account at one time, claiming that my husband owed them and that too backfired, because they could not prove that my husband was on the account, and they tried as much as possible to transfer whatever they are claiming he owes them to me. This is a constant harassment from this agency and I crave your indulgence in this matter. I need justice! Thank you.
I don't remember apply for Citi Double Cash Card in my name on XX/XX/2018. I have filing dispute case to XXXX  and XXXX online today. I have not proof of someone uses my private information and email, too. Also sent spoof email address to XXXX today about this serious issues.