WillisBack/dataset-financial-user-claim huggingface dataset:
My XXXX XXXX credit card is reporting as an adverse account on all 3 credit reports. This account was never paid late back in XX/XX/XXXX. I have rectified this with XXXX XXXX  over the phone over a year ago. Now this account shows as account this is paying as agreed and current. I have been requesting and disputing this information to please be corrected. It should be reporting under accounts that are satisfactory. Instead its reporting as paid as agreed and current but listed on my report as account that is potentially negative and will go to a positive in the year XX/XX/XXXX. This is ridiculous. And having it report under the wrong category is affecting my credit score. I am mailing out a letter to XXXX XXXX again today. It is also reporting twice on my report now instead of once. It should not be reporting twice. Its looking like I have 2 negative when its the same account. I am also complaining about the XXXX XXXX XXXX account that has been deleted off my equifax report because it was confirmed to be deleted however XXXX is still not removing it. And XXXXXXXX XXXX XXXX XXXX  also was to be deleted but is still reporting.
I purchased a ticket from XXXX XXXX XXXX with a Citibank credit card. The day after the purchase, XXXX suspended the ticket and demanded documents for ID verification, to be sent by email. For security reasons, I refused to submit the documents and demanded a refund. XXXX agreed to the refund but never provided it. I disputed the charge with Citibank, but Citibank ruled in XXXX 's favor, saying that XXXX had already provided the credit, which XXXX had not, and later closing the dispute process, saying I had not submitted a valid copy of the charge receipt, which I had.
On approximately  XXXX   XXXX  my son moved to Oregon, and when I checked flights so I could visit, I found that   XXXX   XXXX   had service from   XXXX   XXXX   XXXX  . While I was looking at flights on my tablet I saw an ad for a   XXXX   XXXX   branded Visa card offering mileage benefits. I signed up, supplied name, address and requested info and submitted the request. After the submission a popup appeared with terms and conditions and I noted there was a {$75.00} fee. That day  I  tried to find a contact phone number on the popup, to complain that there was NO notification of the fee prior to the submission action, but I was unable to find an active number. I wrote myself a reminder to contact the company after I received the card, with the intention of simply explaining the problem and cancelling the card ( and the fee ).   Yesterday,  XXXX   XXXX ,   XXXX  , the card arrived, and I called the number on the back (  XXXX  ). After explaining the problem to the agent, I was informed that it was my problem, and that the fee was expected to be paid even if I did not use the card.   I feel that their web-based promotions are badly presented and purposely misleading. I would like Bank of America to cancel this credit card account and remove the {$75.00} fee. If this resolution is made after the date this {$75.00} fee comes due, and I am forced to pay any yet to be received invoice, I ask that that amount be refunded to me via check. I further ask that there be NO negative credit report issued because of this misunderstanding.
XX/XX/XXXX : OnXX/XX/XXXX, I received an email from XX/XX/XXXXstating the following : " EARN 10 % CASH BACK WITH CHASE PAY AT XXXX  XX/XX/XXXX = 10 % CASH BACK Shop for millions of your favorite items using your Freedom card with Chase Pay at XXXX in the month of XX/XX/XXXXand you 'll earn a total of 10 % cash back on up to {$250.00} in purchases fromXX/XX/XXXX. '' I had enrolled in Chase Pay and made purchases ( a total of 3 items ) online at XXXX very early in the morning on XX/XX/XXXX. The total for the purchases was {$120.00}. I received emailed confirmation that I enrolled in Chase Pay. I also received emailed confirmation of my purchases at XXXX on XX/XX/XXXX There was clear indication in this emailed confirmation of my purchases that two of the three items were to arrive byXX/XX/XXXX. I noticed the following month I had n't received my 10 % cash back on my account. I called Chase onXX/XX/XXXX to report that I had n't received the 10 % cash back points. I was told I would receive a letter in the mail concerning this issue. As of today, XX/XX/XXXX I still have n't received a letter. So I called Chase today about my not getting 10 % cash back on my purchases. The person I spoke to at Chase indicated that I wo n't receive the 10 % cash back. She indicated that I did n't receive it because the transactions did n't show up on my Chase card until XX/XX/XXXXandXX/XX/XXXX. I read the promotional email from Chase and did n't see anywhere indicating the 10 % cash back was based on dates the transactions would be posted. The content of this email used the words " shop '' and " purchases ''! I made the purchases onXX/XX/XXXX! This is very wrong of Chase to send me this promotional email to make purchases in a relatively short amount of time (XX/XX/XXXX - XX/XX/XXXX ) .I had no control when the transactions would be posted. According to this promotional email from Chase, I had until XX/XX/XXXXto make the purchases at XXXX to qualify for the 10 % cash back! What if I made the purchases ON XX/XX/XXXX? It 's very unlikely that the transactions would post the same day,XX/XX/XXXX!! Are they aware of this fact? I was definitely lied to and misled by Chase and will never trust them again with any promotional offers they make.
After having a substantial relationship with Bank of America, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one is sue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency.     My credit card was closed and shows negative on my credit. I was never late and shows that it was late and paid off. I paid balance upon getting notice it was closed.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Nationstar has illegally attempted to collect on a time barred debt. This has included multiple illegal actions in an attempt to enforce a time barred debt and the lien is expired by Operation of Law however Nationstar refuses to follow any and all applicable laws. The original " Note '' was a promissory note that originated with XXXX in XXXX XXXX '. The Note was called XXXX by XXXX in XXXX ' causing the maturity date to be shortened to XXXX XXXX XXXX '. XXXX XXXX together with XXXX XXXX ; the promissory note expired under XXXX & XXXX - ( Four Years Promissory Note Time Barred ) then after 8 years Nationstar instructed a 3rd party firm named, XXXX XXXX XXXX publish this debt as owed and has caused multiple defamatory publishings that are 'untrue '' and unlawful. This was caused by an untimely Notice of Default claiming that a " DEBT '' was owed. This was not true as this was time barred and the lien was also and is still also time barred and unenforceable. Under Ca marketable records laws ; See attached documents : from CA Legislative web site : pertaining to being time barred unenforceable lien due to the underlying debt is time barred. This is clearly written - XXXX : Expiration of the lien of a mortgage, deed of trust, or other security interest pursuant to this chapter or any other statute renders the lien unenforceable by any means commenced or asserted thereafter and is equivalent for all purposes to a certificate of satisfaction, reconveyance, release, or other discharge of the security interest, and execution and recording of a certificate of satisfaction, reconveyance, or release other discharge is not necessary to terminate evidence the termination of the security interest. Nothing in this section precludes execution and recording any time of a certificate of satisfaction, reconvenyance, release or other discharge. Thereby -- NATIONSTAR HAS FAILED TO RELEASE PER THE APPLICABLE LAWS. AND INSTEAD HAS RAMPED UP COLLECTION ACTS THAT ARE ILLEGAL. These have included criminal trespassing into property and causing a malicious damage with intent to discourage and harass the homeowner, cause fear and intimidation and has not ceased. This has caused over XXXX hospitalizations for " acute '' care to family member undergoing severe stress and multiple police reports for illegal acts in collecting this time barred debt. The actions have been non stop abuses and caused a later forcing into a bankruptcy in XXXX XXXX ' AFTER BEING TIME BARRED however Nationstar refuses to follow any laws and has caused horrendously abusive illegal acts including verbal threats and physical threats and continues to invade on homeowner and intrude and threats to intrude into her home " whenever '' deem I am not " in '' the home and have sent men to peak into my windows with telephoto lens and continue to harass and cause XXXX more hospitalizations just knowing they continue to send letters claiming they have rights to break into my home.
The short sale was submitted over 139 days ago and there is ju st one delay after another. First it took about six months for Shellpoint to " review  '' the file which by the time they issued an update it was  XXXX   XXXX  which they countered the buyer at {$240000.00}. This was after the fact the said the refuse to allow the VA buyer closing costs so we had to remove all but the escrow fee. On  XXXX   XXXX  we submitted a value dispute in response to the counter,  Shellpoint adv ised it would take UP TO 30 days to have a response. I called TWICE a week for updates. On  XXXX   XXXX  after the 30 days had passed I submitted a CFPB complaint, which was closed because the company finally responded on  XXXX   XXXX  stating the value dispute concluded with no change to the price expectations. the next day on  XXXX   XXXX  the buyer increased the offer. The negotiator  XXXX   XXXX  said it would only take a few days for approval. However, on  XXXX   XXXX  he said that despite being told that they would allow up to 12 months in hoa dues that because it is now a lien they wont allow anything. I was also told it will take another 30 days for the investor to approval the buyers request for the escrow fee to be paid, despite the fact they are financing with a va loan and this is mandatory. NOW they are delaying the file even more by ordering another appraisal despite the fact they h ave one on file from less than six  months. This file has been dragged through the dirt and completely mishandled.
On XX/XX/2017 the furnisher reported inaccurate information to the credit bureau, XXXX. It says the account is in collections but the account has been paid in full. The information reported is inaccurate.
They continued to charge my account even though I requested months prior, they discontinue my service. They continued charging me for service which i did n't have. It 's not right i am being charged for service i did n't have.
Experian and XXXX. 

Fail to provide complete Verifiable documentation of accounts reported onto my personal credit files contacted the company 's requesting proof of claim requested removal of unsubstantiated information over last 6 to 8 months. 
Experian- XXXX- XXXX # XXXX / XXXX -Acc # XXXX XXXX XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX XXXX XXXX -Acc # : XXXX USPS Certified Mail Tracking # XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Sent request to the original creditor No Response.
Purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ID # XXXX ) on XXXX/XXXX/XXXX. We were offered and accepted 5 year financing with ZERO 5 % interest for the first 12 months and than 4.99 % for 48 months. First payment was dueXX/XX/XXXX. We made payments ranging from {$400.00} to {$1000.00} for 10 months and then sent in the balance due for the 11th month payment. The payment were sent to a XX/XX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. After sending in the balance due in month XXXX, which was XXXX XXXX, we received a statement from said XX/XX/XXXX claiming we owed {$39.00} which was called " late charge assessment ''. My guess is they are not happy we paid off the loan in the interst free time period and assessed the " fee '' and the loan stated there was NO penalty for prepayment of loan prior to term. I have attached the page showing this clause.
I was notified by my credit company that my credit score had dropped. I checked my credit report and saw that I had a collection agency report. I was never notified of the debt, never given a chance to dispute it or to give my insurance information. Lancaster Collection alleges that they do n't have my info but they were still able to place it on my credit report. They could have gotten my address and phone number ( same number for XXXX years ) from my credit report. When I called they said it would take XXXX days to remove this from my credit report!!!! I was never given a chance to stop it from going on my credit report. I am suffering damages each day my credit score is artificially lower. Car insurance renewal, credit card companies evaluating me for offers or lowering credit limit thus increasing my debt ratio. This is terrible that they have the power to do this without speaking to me first!
On XX/XX/XXXX per my instruction my payroll was direct deposited into my cousin 's account, my name is not on the account. Although I was able to access previous payroll funds direct deposited to this account, Capital One placed a hold on the funds mentioned above, due to suspected fraud. 

Both myself and my cousin, presented ourselves and our respective valid IDs to a branch location, to show proof of ownership of the account and the funds. However, Capital One still refused to release the funds and refused to communicate directly with us with the exception of advising us they would only release the funds to my employer. 

My employer XXXX XXXX intervened and tried to get the funds sent back to them so that they could cut me a paper check. XXXX XXXX has made multiple attempts to fix this issue with Capital One, without success. 

It has now been over 6 weeks ( more than enough time to conduct a fraud investigation, especially since all parties involve are trying to work with Capital One ), with no notable progress. As of XX/XX/2018, Capital is still refusing to release MY funds to me, my cousin or XXXX XXXX. Their latest roadblock is to advise XXXX XXXX, the funds are in use and can not be released. For the record, Capital One continues to block my access to the funds and refuse to speak directly to me about the situation. The number I was provided ( XXXX ) merely transfers me to a messenger system, where after dozens of messages, I have never received a return call.
On XX/XX/2018 I called in to attempt to resolve an account. 3 representatives hung up on me and would not transfer me to my account representatives or a manager. Their names were XXXX, XXXX, and XXXX. XXXX refused to transfer to either and hung up. XXXX used inappropriate content and verbiage and also hung up. XXXX was pleasant but she also hung up. Is quite sad that this is how a collection agency treats people who are actually trying to resolve a debt
I am already being garnished in my wages at 15 %. I am repeatedly hounded by phone to make rehabilitation, which I have agreed to twice. Both times, they say they ca n't collect from my bank even though the funds were available in my account. This collection agency is consistently harassing me, although I 'm already being garnished. I have tried repeatedly to follow their measures, to make rehabilitation. On  XXXX / XXXX /2017, I agreed to make payments for loan rehabilitation in the amount of {$38.00} each month, drafted from my bank account. One payment was drafted and then never again. I called to ask why and when the payment would occur, and the collection agency was elusive and belligerent. This has happened twice. I have signed up for rehabilitation and they draft my payment for the first month, but then never again, blame it on me. and keep collecting.
I recently requested validation of a debt collection listed on my credit report under the company XXXX XXXX XXXX XXXX XXXX. The company sent corresponds as to what they believe is proper validation of the account, however by doing this it was found that XXXX XXXX XXXX XXXX XXXX failed to include their NC license permit number ( XXXX ) on the stationery/correspondent form ( copy attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence.

All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency.

The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) XXXX XXXX XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance State Laws & failing to abide by the Fair Credit Reporting Act.

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website.

The account in debt collection assigned to this company must be deleted as the company collecting on the debt ( XXXX XXXX XXXX, XXXX ) violated not only federal laws, but also state laws mandated by the North Carolina Department of Insurance.
I have overdraft protection on my bank account, yet my bank does not honor it. I understand that the bank still charges an overdraft fee, buy are n't they supposed to therefore cover the payment that caused the overdraft? All I want from this service is for it to protect me from being charged twice, once by bank, and second from business check or transaction was made out to. Am I wrong, or is n't this what overdraft protection for?
I have several collection accounts with this collection agency that should be past the statue of limitations. They were emergency room visits from XX/XX/XXXX and this company bought the debt and marked it as new as of XX/XX/XXXX.. thus illegally reaging my account.
Social Security Payment Center in XXXX " Stalled '' in Paying my Back-Pay in a Regulated ( 90 ) Days of ( 90-90-90 ) Days. Instead of, Returning to College in XXXX, I was Forced in a Late Start at College in XXXX where as, I was Frauded and Scamed of an Apartment that had XXXX. XXXX XXXX as, XXXX XXXX XXXX would not. move my Apartment nor, Break the Lease. My Credit Report reflects Frauding in a # of Accounts attached to National Accounts, Public Records, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as well as, Creditors and their Promotional Loans.
This account has been re-aged. It was originally supposed to be removed XXXX XXXX now it is reporting XXXX XXXX removal.
A chapter XXXX bankruptcy is being reported on XXXX, Experian and XXXX reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XX/XX/XXXX ) it still remains.
XXXX calls my mobile phone daily asking me to " bring my account current '' with them. I have never had any loans with this company or prior contact with them. The messages are automated voice recordings made outside of hours where I can speak to someone and get them to stop. I have found that this company is based in XXXX XXXX and thus acting outside the laws of the United States and the state of Texas.
I recently discovered errors on my credit report. On XX/XX/XXXX, I wrote letters to the credit bureaus, and requested that they investigate these errors. They were supposed to conduct their investigations and respond within 30 days. XXXX XXXX did, but I never heard back from Equifax and XXXX. I even wrote follow-up letters to Equifax and XXXX in late XX/XX/XXXX, but those letters have also gone ignored.
XXXX XXXX XXXX XXXX unlawfully debited my unemployment funds to cover its banking fees, leaving my account with a negative balance and forcing my XXXX XXXX XXXX checking and saving accounts to close. I contacted XXXX XXXX XXXX XXXX in person and via email on multiple occasions regarding the fact that I was unemployed and did not owe any taxes to XXXX XXXX. However, XXXX XXXX XXXX XXXX took a total of XXXX in fees from my account, unlawfully taking the monies from my unemployment compensation funds and forcing my checking and savings accounts closed due to the insufficient funds resulting from the unlawful fees charged to my unemployment funds. 

XXXX XXXX XXXX XXXX increased the negative amount in my savings account, which XXXX XXXX refuses to close, and forwarded my account to collections. This led to my XXXX XXXX dropping exponentially and the lowered negative score having negatively impacted my job search.
Back in the late XXXX my daughter and myself, agreed to help her then boyfriend out in need of a vehicle so I co-signed a loan for a motorcycle. Her then boyfriend at the time which we did not know of had a criminal record for larceny, stealing, scamming, etc. He was formally charged and taken to court by us and others he had scammed. Regardless I was left with the loan. Originally the loan was through XXXX XXXX Bank. That bank is no longer around and my loan was fully paid, however at the time of my loan being finished, they also had been bought out and no paperwork was ever given to me. Also, please keep in mind records are not kept they way they are today electronically. XXXX XXXX Bank is now defunct and several times changed name, etc. My complaint is with Assest Recovery Services, based out of Illinois, with a XXXX XXXX XXXX This is some fly by night company who purchase lists, bad dept loans, list of names etc, defunct loans for pennies on the dollar and use strong arm tactics to scare people into to thinking they owe money when they do not! They also go by other entities such as XXXX where some angry female calls to let you know you need to lawyer up and they will come after you since they state you meaning me has a criminal record! I will provide the list of names and promises this so called company promised. Once payment was made the final paper work and title would be released. That never happend. They had pertinent info from the original loan with XXXX XXXX but only enough to look legitmate. Here is the following information on Asset Recovery Associates or now XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; Phone # XXXX, FAX XXXX ; XXXX XXXX Account Number they are using ; XXXX ; Balance {$3500.00} and the newly Assest Recovery Associates ARA # XXXX ; settlement {$800.00} ; Collection Manager XXXX XXXX. Who everytime I call back to get a hold of him he is always conveniently busy, in a meeting, in the bathroom, on vacation, basically never there! His so called manager is XXXX XXXX. They have a website that does nothing. I have also filed a police report with my local office in XXXX, MI. The officer took it upon himself to also call Asset Recovery Associates identify himself and they conveniently hung up on him! They now are calling back stating they are XXXX and some very angry female proceeds to make threats and once again some fake case number!