WillisBack/dataset-financial-user-claim huggingface dataset:
this is the XX/XX/XXXX or so complaint here nothing s resolved. herein i request the following an arbitration or i will be filing a lawsuit once counsel is retained for damages to my credit potentially as i have stopped and refuse to pay on a specific account for many unresolved disputes not dissatisfactions as been mischaracterized by XXXX who contines to answer the complaints we spend time to file despite requests to CEO ignored to funnel somwhere else. to someone who will handle. I need all complaints to this office UNRESOLVED still forwarded to me so judge will see the remarkable effort i made to resolve.With a perfect record here before i was treated in a discriminatory manner which appears to be against the law, in the summer having my calls funneled to a " special team '' i have stopped calling, stopped monitoring my accounts and in the case of XXXX have stopped paying as all requests for help are scripted or ignored or stonewalled. This is clearly a case where i potentially can suffer damages for not paying and i am not paying despite my almost 30 year history due to what is clearly discriminatory BAD treatmenat i have never experienced before. As such i want this and all previous complaints referred to legal department. I am away now getting medical treatment. POA has been sent to Discover. I want this to go to legal dept. I have had it with writing and getting a SCRIPT from XXXX who while he leaves out his name in the signature we know its him same script stonewall. There are DISPUTED charges for example i am told no balance where interest is affixed or prone and then it gets charged. I am being charged late fees on accounts when i am one day late or not at all and when my history of 20 plus years reflects no lates. And again this is due to not calling in due to the DISCRIMINATORY way i strted to be treated in the summer time having my calls fielded to a SPECIAL team. who would just stonewall. I have NEVER EVER been treated like this or have to go to these extremes to get help. I request an arbitrator at this time from discover or i file a lawsuit period. there has been and will be no use of my cards by me again. They seem to have the money to pay stonewallers for well over a year to send the same answer that not only does not address the heart of the issues but is anti customer and resolution. discriminatory is when a bank puts notes on accounts so as to prevent people from helping you. now if i get an answer from XXXX even though he leaves out his name in the signature i go to court. REFER TO LEGAL i want arbitration as nothing absolutely nothing has been resolved as of this date NOTHING. despite all attempts and usage of my time which i will not continue to do. without resolution. recognize i now have fees on my accounts becuase i refuse to pay in order to GET PROPER attention and i will NOT suffer those damages.
To whom it may concern : I did not incur the debt which is indicated. The ATM machine ate my {$500.00} in cash. XXXX XXXX XXXX as well as the security guard at the PNC Bank witnessed the machine eating my cash. The bank credited my account. However, they have since rescinded the credit and applied late fees without providing any documentation. I was assured by the bank manager XXXX XXXX XXXX. That the machine would not be properly reconciled on XX/XX/13 and that I would not have a problem. However, since then they have billed me for {$500.00} which they owed me and tacked on late fees. I have not, nor has any attorney who represents me received : The video footage from the ATM indicating that it stole my money. 
Documentation that illustrates that the ATM machine was not reconciled.
I had a five year loan with carmax, the loan was paid off in full in XX/XX/2018. I paid a payment ever month, in XXXX my credit was hit with a 30 day past and 54 points. I called and was told that I had late fees of XXXX for two years. I was never called or advised that I had these late fees or that my credit would be hit. My payment was XXXX per month. I paid that amount every month. Once I was told about the late fees I paid the balance off in full. I was never sent a demand letter or a notice at all. I didnt have a loan for late fee amounts. I satisfied my loan obligation in full. I asked hem to remove from my credit and was told per policy they could not.
I was hospitalized in XX/XX/2017 and sent home the next day. Was rushed back to have to get XXXX XXXX, XXXX XXXX removed from my XXXX. Hospital stay was over 30 days and when I said I was suing the hospital for sending home with XXXX treatment, I never received a bill. I checked my credit and multiple debts are on my report some twice or three times repeated, I also have inquiries that are unauthorized and Im unable to get updated scores after calling and faxing in information.
I XXXX XXXX am reporting a deeply serious complaint against the entity of Asset Recovery Solutions , LLC, collections agency regarding there gravalicious and phony debt recovery approach in relations to a debt that has long, long ago reached it 's maturity date. 

Asset Recovery Solutions , LLC, and it 's shared affiliates unscrupulous approaches to recover a debt that was originally taken out for {$2500.00}, between the year XXXX, and XXXX has long been updated and removed from all three major credit bureaus, through multiple disputes regarding many unfair charges etc. And therefore, such, debt has no genuine merits for any types of collection recovery etc. 

In addition I vividly remember filing multiple disputes to have this debt removed particularly from XXXX, files which was done two to three months before its removal month and year, with that being in the month of XX/XX/XXXX, and which was shared with me by a live customer service representative person on a called in over the phone through my initials of verification etc. 

In my closing out now, and complete analysis regarding Asset Recovery Solutions , LLC, and whether there acting solo, or in connections with it 's counterparts to collect on a debt that has long passed it 's statues of limitations, and that has long been exhausted on it 's recovery time frame which would surely be deemed as extortion 's, ugly conspiracies to entrapment 's, tactics of manipulations, major monkey businesses, along with ethical fallacies, rhetorical fallacies, and rationale fallacies which many, many consumers in the business world and societal marketplace would deem such disturbing actions as non de minimis, and which is for surely reprehensible at all major levels etc. 

In further, I am quiet frankly, appalled and incredulous by all these criminal activities by Asset Recovery Solutions , LLC, and it 's affiliates which are deeply troubling, and deliberately deeply disturbing, and with deeply intentions of culpable negligence. And as such, this entity and it 's affiliates whether they 're again, acting solo or not should be held accountable and responsible for all their collective despicable actions for trying to take advantage of me, and perhaps many other potential consumers in the marketplace etc. 

These types of phony business conduct causes debt restart on debts that has long been eclipsed in the societal business world and marketplace which causes many other major effects unjustly on many consumers etc. And as such, I implore for all body of governments, and all entities of consumer watch dog groups to reward Asset Recovery Solutions , LLC, and it 's acting affiliates with stiff penalties of justices at all major levels in general etc.
Someone stole our Capitol One credit care #, randomly, and charged {$100.00} to XXXX online dispursement center for a purported watch. It was shipped according to XXXX to an unknown address in XXXX, DE. We live in XXXX XXXX, NV and do not use online shopping or paying of bills with any credit card. This card has only been used XXXX in 3 months. Capitol One is not doing anything but giving us a new card with a temporary credit. Our APR on this card is 17.99 percent per year. That is too much for a 10yr old credit card with low limit.
For the last several months I contacted Wells Fargo bank including it's Executive customer service dept. several times. Last time I talked to them 2 days ago - on XX/XX/2019. The problem is the same. They refuse to unlock my online account without apparent reason. ID verification in the branch is not good for them anymore. They privet into my privacy more, asking to provide them with my personal information which has nothing to do with my ID or access to my account. Basically, the bank discriminatively ban me from my own account. Bank knowing it is acting unlawfully, refused to provide a written respond to my inquiry in regard to this ban.
I recently looked at a copy of my credit report and seen that I had a collection from Medical Data systems. I wrote Medical Revenue service concerning account XXXX for the amount of XXXX. As explained in the letter I have no knowledge of this account and ask Medical data systems to validate the debt on XXXX XXXX, 2016. I waited patiently 30 days for a reply. Again, on XXXX XXXX, 2016. I sent second letter asking Medical data systems to validate the debt ; still to this day no response from Medical data systems so by law this should be deleted. Ignoring request is not validating the debt. As stated in my second letter I will be contacting the Attorney General 's office to bring this problem to the surface and I also will make a claim in court for defamation of character. This is a fraudulent account and beside when did Medical Data systems extend me any credit. I never signed or verbally agreed to any contract with Medical data systems. I want this frivolous account deleted from all three credit bureaus.
I noticed that I see Credit Acceptance on my credit report but I never encounter making a deal with them on a car. I recently received papers on being sued for a car that I never acknowledge that was mine. They provided a copy of the paperwork that was signed and my name was signed but I never had a car. I do n't understand what is going on. After receiving threatening calls ; I had to change my number because the harassment kept continuing after i told them that I did n't sign for a car. Since changing my number the calls have been coming again, but now they are using a " Blocked '' or " Private '' number.
I have been unable to update my credit report/score with Equifax, I pay a monthly membership fee for this service and the following error code appears, Eval Code : - Status Code : FL, Reason Code : NH. This has happened XXXX before, I also have a membership with XXXX and XXXX and never have a problem with either, just Equifax. Until the error is fixed, I should not have to pay for a service I do not receive, please advise them I will need a XXXX month membership to cover me until error is corrected
In early XX/XX/XXXX, I checked my credit score / accounts status on XXXX XXXX, and noticed that there were charges amounting to {$1200.00} on a credit card that I hadn't used in years. The charges were made on XX/XX/XXXX. I immediately informed the credit card company, FTC, and also filed a dispute with both Equifax, and XXXX XXXX. Upon completing their investigations, the credit card company established the charge were fraudulent, and issued a credit for the full amount, deactivated the account, and reissued a replacement card. At that time, both Equifax and XXXX XXXX corrected the problem, and my credit score. A short time later, I went back on XXXX XXXX again, and saw that ( only ) Equifax had now taken the same fraudulent charges, and reapplied them to the replacement card, and dropped my credit score again. I called Equifax, and once again a dispute was filed. Ironically, when Equifax had the data breach in XXXX, I was informed that I was among the many who's information was compromised. 
We are now into the third month, and they have yet to correct their information, despite what the credit card company has concluded, as well as sent me a letter stating such. Dealing with Equifax has been nothing short of frustrating.
We received the attached demand letter, on XXXX/XXXX/2015. After receiving a resolution letter from Nationstar on XXXX/XXXX/2015, we thought we resolved this issue. I called Nationstar Mortgage, Customer service did not know how to handle directed me to consumer relations. I called ( XXXX ) XXXX spoke with XXXX on XXXX/XXXX/15 & she said that she can not give any explanation nor any status and our Attorney has call on our behalf. I told her we do not have attorney representing us and she told me to write a letter stating so. We do not understand why they can not provide us straight answers. Nationstar is demanding {$9400.00} and we want to know how & why they came up with this amount as we have been sending in our monthly payments every month and have sent in cleared checks to prove the checks have cleared thru Nationstar.
On XX/XX/XXXX I went to log into my citibank account and could not. It said I needed to get my new card first and asked me to input some information I found this strange because I had just gotten a new card a few months ago so i called the bank to find out after 20 years they are closing my account. I have spent hours on the phone trying to get a reason why and can not. They also will not let me withdraw my money and have left my XXXX year old daughter and XXXX year old granddaughter without access to her money because her account was linked to mine. I am out of the country on my honeymoon which ironically started on XX/XX/XXXX. Some mysterious investigation was done by this unreachable division of the bank as I called my branch and they claim they can only email these people and still do n't have a response. In this day and age this is outrageous. The account has well over 80k in it.
IN XXXX XXXX WE GOT MORTGAGE LOAN FROM CHASE HOME FINANCE, LL NOT XXXX XXXX MORTGAGE LOAN XXXX OR TRANSPOSE FRAUDULENT LOAN XXXX. 

THEY OPENED 1 GOOD ACCOUNT AND 1 FRAUDULENT ONE BY TRANSPOSING TITLE NAME AND TRANSPOSING ACCOUNT SEE CREDIT REPORT AND LETTERS FROM CHASE. 

I HAVE DISPUTED THIS MATTER 13 TIMES IN OVER 10 YEARS WITHOUT CORRECTION. 

XXXX VIOLATING TILA, F.C.R.A. AND " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT OF 2009.
Called me at work and then got rude with me when told not to call me at work. 
XXXX XXXX with portfolio recovery
I became delinquent on my account while I was in XXXX for XXXX treatment. Because of my condition I had a very hard time keeping my bills straight. During my 5 months of XXXX my father and grandfather died. I was under so much stress and fighting for my life. Once I discovered my account was delinquent I contacted Capital One and paid my account IN FULL. I spoke with them about what had happened. They agreed to not report my late payments. They closed my account and opened a new one. However, they have NEVER stopped reporting the negative account even after the assured me they would stop. In fact, for months they were reporting XXXX accounts - both negative! For over a year I have been sending them letters and they refuse to address the phone conversations I had with their employees.
With regards to Account # XXXX and XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.
I opened an account with Wachovia ( now Wells Fargo ) XX/XX/2008. At the same time, my father and brother also opened accounts with the bank. After a few years, the bank started charging me a monthly fee of about {$10.00}. I tried to figure out why they started charging me this fee, but not charging my brother or father the same fee. After a while, I gave up trying to get the bank to stop charging the fee and I closed the account. Now that it has been exposed that Wells Fargo has been finding unfair ways to charge customers fees, I am wondering if I was a victim of their misbehavior.
I recently retrieved my credit report and found out that there is an outstanding {$120.00} balance from my current college, XXXX College, that was apparently sent to collections and has still not been paid off until this date ( XXXX 2015 ). I work at the XXXX and I have reviewed my personal account in detail a XXXX times, and never have I seen an outstanding balance nor any evidence that my account was ever sent to collections.
Original mortgage was with America 's Servicing Company. Wells Fargo assumed my mortgage. Prior to the transition I applied for a Hamp modification which took 3 months. During that time ASC reported me as being 60 days late which was incorrectly reported to the 3 credit bureaus. Additionally, after Wells Fargo assumed my mortgage and I was paying them direct, America 's Servicing Company continued to report me as being late on my old mortgage account/loan number. They have double dipped and incorrectly reported negative hits to my credit report.
I am disputing the collection account XXXX and account number XXXX which they show as being openedXX/XX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXX in the FCRA Compliance Date. Please delete this account immediately. 

This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.
I paid my XXXX statement balance XX/XX/2018, in the amount of {$4700.00}. My payment due date was XX/XX/XXXX. Terms state in part, " If you pay your account in full ... no interest is charged. '' Chase has conjured up something called, " residual interest, '' an attempt to justify this violation. It is not fair to the consumer and leaves open abuse of fair practice. Immediately, after I received my bill with the interest charge of {$35.00}, I called Chase customer service and was told they would not remove the interest charge despite the fact I paid my entire balance before the due date. Subsequently, I emailed Chase through my secure account in protest of the unfair charge and received the following reply : " You paid yourXX/XX/XXXX statement balance in full. However, the XXXX statement balance was not paid in full by the statement due date. To avoid interest charges, the statement balance needs to be paid in full by the due date. When the XXXX balance was not paid in full, the remaining account balance was carried over into the next billing cycle. This is referred to as residual interest charges. Residual interest charges are assessed on the purchase balance between the date the statement closed, and the date the payment in full was received. As a result, the residual interest charge of {$35.00} was assessed on the purchase balance on your account. Going forward, as long as you pay off your statement balance in full by the due date each month, you will not accrue any additional interest. I am unable to credit the interest charge. Thank you, XXXX XXXX Payment Research Specialist XXXX '' The aforementioned gobbly-gook is unfair to the consumer and results in a double interest charge. Sincerely, XXXX XXXX
Bank of America juggled my transactions in order to maximize the number of overdraft fees they could charge me.
I did not recognize a credit card charge and disputed the charge. I received a letter informing me that the charge is valid, without additional detail on who the merchant was. 

I still do not recognize the vendor and still do not know what this charge was for. 

The charge is only {$5.00} but if this is because a hacker is siphoning off a few dollars off of everyone, then it still deserves to be investigated.
Received Several different calls from this number for Different names of People this is a place of business and I let them know that if that person is an employee with us they must call them on there personal phone because no one is in the office by that name the caller then asked what was the persons cell numb er I told t he caller if they are requesting verification of employment I can provide a Fax number because we do not do verbal employment verification request must be submitted through Fax the person I spoke to started calling me names   XXXX  ,,  XXXX ,  XXXX   XXXX , the  XXXX  slur  XXXX . I put him speaker so that I could record it on camera how he was speaking I asked to speak with his supv. he stated he was his supv. and he owned his business he then ask to speak with a supv. on my end when i went to transfer he hung up on her this was not at all professional it was rude disgraceful and hurtful how could these people sleep at night and treat people this way it is harassing and taunting if someone tells you that person does not work in this office that should have been the end unless they were requesting employment verification we have over  XXXX  employees and only  XXXX  in the office that person does not hold a job in our office which is the truth I thought that was very rude for this person to be mean and degrading towards me or anyone else
The past 6 months I have and been disputing inaccurate information on credit reports. XXXX XXXX XXXX XXXX XXXX, the original source, filed a judement to courts. They have also reported same related information to credit bureaus. XXXX XXXX XXXX XXXX XXXX are actively reporting XXXX account as XXXX seperate entities.One acct. under XXXX, and Civil Judgement as XXXX. XXXX no longer owns the account. A company called XXXX XXXX. has the acct. I filed dispute with credit bureas to remove judgement and other acct. information, based on the fact that XXXX XXXX XXXX XXXX XXXX no longer has said accts.XXXX deleted both disputed accts. Equifax removed XXXX acct. but kept judgement on report as satisfied. After several attempts, XXXX has refused to update either accts. I am still disputing inaccurate information to XXXX with no success and have recently discoverd that Equifax has put previously removed acct. back on my credit report however did leave the judgement as satisfied. Once again, I am disputing inaccurate information with that reporting agency as well. The ordeal with these credit bureaus have caused undo stress and creating unjust. Also, I would like it to be known that both accts being reported from XXXX is showing XXXX different balances as well. I would like to thank you for your time. I am attaching documents.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2016.