WillisBack/dataset-financial-user-claim huggingface dataset:
On multiple occasions Bison collections sent threatening calls to me regarding service date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX i received a call from this company with XXXX agents on the line requesting for payment. I advised that I am unaware of these service dates. The agents continued to bully me on the line. They referenced that they can see my credit score, mortgage payments, and paid off student loans for my children. I continued to state that i am unaware of the service dates and would like a verification of validation. Another agent then told me that " I could be sitting on a lottery ticket and when can you begin to make payment. '' I was shocked and very bothered by this and was n't able to get a word in edge wise. I advised them of my XXXX XXXX and my XXXX started to affect me during the call. Another agent contacted me within hours and again requested for payment. I asked again for a verification of validation letter and he stated he could request but there was no guarantee and again insisted i make payment or they would sent the claim to their lawyer. I then asked if the agency could contact my insurance company at the time of service on conference call. The insurance agency stated they did not have a service date for my self or anyone in my family got the dates of service provided. ( This was a conference call with Bison Collections, XXXX ( insurance ), my daughter ( witness ) and myself. I then asked the representative at Bison to contact the doctor of which they stated the service was sent to collections and at first the Bison representative refused and stated it would be a conflict of interest. The agent then agreed to call the medical provider via conference call. The medical provider stated they would have to go through their archives but they did not see anything for the date of service XXXX/XXXX/XXXX nor XXXX/XXXX/XXXX, but would research. ( these calls were made on XXXX/XXXX/XXXX ) This call lasted about 4/5 hours. This collection agency is requesting round {$2800.00} for XXXX service date of which the medical provider nor the insurance company can seem to find. Bison Collections have yet to send any statements as well. I even request for certified mail to serve as proof of receipt. I am not aware of this bill and have yet to receive any statement nor verification of validation letters. As last week i continue to receive calls from this company requesting payment and i continue to request for statements. Today I tried calling the collection CO, and the representative refused to tell me who he was, or where they were located, until i provided my name and SSN, I then hung up.
I requested to validate the alleged debt on  XX/XX/2017    via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Collection Bureau of Ft. Walton Beach received the registered letter o n  XX/XX/2017   . I received the attached documentation on   XXXX   XXXX   XXXX     as verification of debt, however, the documentation does not include a copy of my signature with the provider of the service to release my medical information nor a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided. Therefore,  Collection Bureau of Ft. Walton Beach ha s not verified the alleged debt and is illegally reporting an invalid debt.     I previously filed a complaint on  X/X/2017    that closed on  X/XX/2017    with the explanation from the company as follows : " I am unable to access any accounts under the name and address I have been provided. If you can provide me with an account number. If you have had any other addresses I can try that also. If you received a response from my office to your original validation request i would have the account # on it. '' " I can not locate with the name and address given. If we have already validated the debt then an account # would have been included on that validation. '' In the attached documentation my maiden name,  XXXX   XXXX , and current address clearly appears on the documentation that was sent to me as verification. Please refer to the attached documentation, it is clear that the response from your office to validate the debt does not have an account number on it. Luckily, I have my credit report on hand. The account details and numbers are as follows : Acct # :  XXXX  in the amount of {$510.00} Acct # :  XXXX  in the amount of {$350.00} Acct # :  XXXX  in the amount of {$25.00} Acct # :  XXXX  in the amount of {$180.00} *Please Note : Acct # :  XXXX  in the amount of {$180.00} has been deleted, however, I would like to verify that the account does not return and report illegally.
Recently, I deposited a check from my XXXX XXXX account to my Union Bank account. The day after funds transfered to Union Bank I noticed my funds were on only partially credited to my checking account. A Union Bank branch manager told me that the partial credit would be on hold for 2 - 3 days after funds transfered in. How many days does Union Bank legally have to hold client funds once the transfer has been credited to thier ledger?
I have incorrect information on my equifax credit report. I just contacted equifax again today to request an updated report and was told I already received my free report for the year. I explained that I am on public assistance and XXXX and I have things in dispute and would like to see an updated report. I again was told they will not send me an updated report for free.
I have lodged disputes with US Bank with the belief they have reported negative items to my credit report not in compliance with current Consumer Protection law.  Specifically, the FCRA and the FDCPA. I requested that they investigate beginning in XX/XX/XXXX by first sending dispute letters to all three credit bureaus.I followed up on this request by sending dispute letters in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I sent dispute letters directly to US Bank with desire to correct this error. I have continued this process with letters sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I received a promotional credit card offer in the mail in early XXXX from fifth 3rd Bank. It had {$150.00} bonus after you spend {$500.00} in the first 90 days. I did what I was supposed to do and did not receive my bonus. I called them a week ago today ( XX/XX/XXXX ). They said they would get back to me in 72 hours and still have not called. I tried calling them again today ( XX/XX/XXXX ). I got put on the phone with 3 different people before they put me on hold and eventually disconnected me. They act like they have never heard of any promotion. This is false advertising. I am owed {$150.00}.
I have had several debt collectors trying to collect on an obsolete credit card debt. It has been over 10 years and still they try to collect on this debt. Now they are using official Superior Court of XXXX XXXX court forms. Illegally. I look up the Court Case Numbers and they are always unknown or false. The whole thing is a wrong. They say they filed a Notice of Levy, but it is a lie. It is a way to scare me into paying them. I think this is criminal. I am wise to them. I hope others are not falling for their lies. Look up the court case and ask some questions first.
I have no recollection of this collection.DIVERSIFIED ADJUSTMENT. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help
I have two certificates of deposit with XXXX XXXX I have no credit cards, debit cards, not even an ATM card. On XX/XX/2018, I received a text message on my mobile phone, coming from address XXXX. 

" FreeMsg : XXXX XXXX. Your TJX Rewards Platinum Mastercard acct is past due. This is to collect a debt, info will be used for that purpose. Call XXXX or go to tjxrewards.com. To Opt out reply STOP. '' I checked the phone number shown and the website and these both belong to Synchrony. The card in question is a TJMaxx-branded card of Synchrony. 
Since there is no debt and the message is a fraud even though it is from a real bank, I blocked the number on my phone. Since then I have received 18 calls to my mobile from either the same Synchrony number shown above or from a blocked number, and an additional eight calls from XXXX. A XXXX search revealed that this is also a Synchrony number. I also learned that Synchrony, and its predecessor GE Financial, have been making harassing and phony calls from these numbers for years. 

Of the 26 calls I received, seven left the following identical message : " This is a message from  XXXX XXXX regarding TJX Rewards Platinum Mastercard. Please return our call to XXXX. For faster service visit our website at www.tjxrewards.com. Our mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Again please call XXXX. This is a recording. Thank you. '' I have tried to block the incoming number on my phone but the calls keep coming. The most recent was last night. As with the text, the website and telephone number shown belong to Synchrony. Additionally, the mailing address shown is a Synchrony address, minus the word " XXXX. '' Note 1. On XX/XX/XXXX I sent a letter to the President of Synchrony Financial, parent company of XXXX XXXX. 
Note 2. On a following screen I checked that the credit card has the same address as my home address ; I did this only because your computer would not let me proceed otherwise. I want to emphasize that there is no credit card, no account of any kind with Synchrony or TJMaxx to which I could possibly owe a debt. 
Note 3. The two certificates of deposit are held jointly with my wife. She has not received any communication from Synchrony so I'm not providing any identifying information for her.
For many years, Equifax has reported my birth year as XXXX. I have sent them proof of my correct birth year on three separate occasions with the most recent time being in XXXX. Each time I am able to get through to a live person, they state they do not have my information. In XXXX of XXXX, I sent them copies of my Drivers license, Social Security card and Passport. I have previously also sent copies of my birth certificate. It seems that these items get lost in the mail or never opened.
I XX/XX/2017 I purchased a car that I had previously leased and was offered a loan through USAA. They accepted the collateral value from the lease company of approximately 18500. I asked for both the extended warranty and GAP insurance ... USAA calls this Total Loss insurance. Now They claim that I didnt get the GAP. My car insurance is also with USAA. My car was in an accident and it was totaled. They now are offering me XXXX and I owe over 18000. They now say I dont have gap and I owe the difference. Im sure I asked for it and they can not explain the gap between their XXXX collateral value for the loan and the dramatic decrease in value as determined by their insurance company. Its been about 7 months. I applied on the phone partially and online partially for the loan. Ive asked for my loan papers and proof from them that I was asked about GAP and that I declined it. They claim there is no evidence of that available.
I was check my Credit Report on XXXX XXXX, 2015 I saw Trident Asset Management report ( Account # XXXX ) to all Credit Agency that I owing money to XXXX in the balance of {$120.00} so I send them a VALIDATION OF DEBT on XXXX XXXX, 2015 with CERTIFIED MAIL and delivery on Tuesday, XXXX XXXX, 2015 and I call in talk to XXXX on XXXX XXXX, 2015 at XXXX said that they got my VALIDATION OF DEBT ( VOD ) letter and will respond the VOD next week but as of XXXX XXXX, 2015 the VOD pass XXXX days and I have not got any respond from them and I call them again talk to XXXX on XXXX XXXX, 2015 at XXXX he said that they got slow respond from XXXX to VALIDATION of my debt. Should they have all these info already when they try to collect the money from me? Anyway XXXX and XXXX have DELETED from they filed but XXXX XXXX but I also found out that Trident Asset Management sits on a collections advisory board with XXXX from XXXX here the link ( XXXX ) I think that is why it not DELETED. I 'm attach : 1. LETTER FROM TRIDENT ASSET MANAGEMENT 2. VALIDATION OF DEBT 3. XXXX XXXX DELETED LETTER 4. XXXX XXXX DELETED FROM XXXX. 5. XXXX CERTIFIED MAIL TRACKING NUMBER. 

Thank You, XXXX XXXX
My mortgage was recently transferred to Seneca Mortgage Servicing. I have made my required mortgage payment in written check form in the amount owed plus additional amounts to go toward the principal balance of the loan. To this date Seneca Mortgage Servicing has received my written checks with the coupon that is attached to their monthly mortgage statement, but have yet to credited my account the full amount that they have withdrawn from my banking institution. The mortgage statements that they have sent me, reflects my mortgage account history since they have taken over servicing. Seneca Mortgage Servicing has applied my payments as they want, regardless of my coupon stating where to put the money. For instance XXXX of my mortgage payments breakdown was in XXXX different accounts ; Principal, Interest, Escrow, and OTHER. 
I have talked with a XXXX different service representatives, XXXX last week and XXXX this week. XXXX representatives have not been able to give me any indication that they know what has happened to my mortgage payments. I have asked them to have a research analyst review my account and get back to me, twice. I also asked the service representative what was the definition of the " OTHER '' account, neither service representative had an answer. The mortgage statement already has a section titled late charges/fees, so why do they need an account titled " OTHER ''? Is this legal for a company to park money in an unidentified account and not be able to tell you why it is being held there. To date I have yet had any resolution for Seneca Mortgage Servicing misappropriation of my mortgage payments.
The following items are reporting inaccurately to my credit report on trans union and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company XXXX XXXX XXXX-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX CAPITAL XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX
While I was informed by XXXX my credit score was XXXX, upon applying to lower an APR by transfering a balance on this one card we have, I was thrown back with the statement of not only a rejection .... but a low score of XXXX!!!! 

In addition, items that should have been removed years ago still remained on my credit report. Moreover, I even found a judgment on there that NEVER should have been for the story was totally different than a non-payment ... and the court system NEVER did a judgment on myself, nor notified me of any.
We have a Citi Visa credit card branded with Best Buy. The statement cut on XX/XX/XXXXwith a balance of {$6400.00}, due XX/XX/XXXX. We signed up through Citi bank 's website to make ACH payments by direct debit of an account at our primary bank. 

On Sunday, XX/XX/XXXX, we submitted payment of the full balance of {$6400.00}. Monday, XX/XX/XXXX that amount was debited from our account. 

As of Wednesday XX/XX/XXXX Citi showed that the payment had been made, but had not added the funds back to our available credit. I call and spoke with a representative who said it normally takes two business days to post payments. This does match Citi 's Terms & Conditions. 

As of Thursday XX/XX/XXXX it was still not available. I called again and now the rep said because it was a large payment it had a float hold of 7 days instead of 2. A 7 day float hold for an ACH payment they received on XX/XX/XXXX? Because Thursday was XXXX the call could not be escalated to a supervisor. 

As of Monday XX/XX/XXXX, seven days after Citi received payment by electronic transfer, the payment was still not in the available balance. I called again, escalated to a U.S. supervisor, who transferred me to a credit specialist, who spent 5 minutes trying to reach XXXX XXXX XXXX, who then transferred me to another manager, who then spent several minutes reaching XXXX XXXX XXXX, who then went though an almost comical phone call to verify that in fact XXXX XXXX XXXX had transferred {$6400.00} on Monday,XX/XX/XXXX 

My company writes ACH and payment processing software. There is no float on ACH. My bank has the choice of rejecting the payment or transferring the funds. Citi received confirmation of it, at the very latest on the XX/XX/XXXXbut much more likely on the XX/XX/XXXX. 

The float policy is unreasonable to electronic payments. It should not require 3 calls and 7 days to get credit for funds that were transferred to Citi electronically.
XXXX XXXX XXXX XXXX XXXX XXXX Open {$3300.00} Account Details Last Reported XXXX XXXX XXXX Collection Agency MIDLAND FUNDING LLC Original Creditor XXXX  XXXX XXXX Status Open Opened Date XXXX XXXX XXXX Closed Date -- Responsibility Individual Balance {$3300.00} High Balance {$3300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (  XXXX ) XXXX Since you currently have an open dispute request, you ca n't dispute any other errors through XXXX XXXX at this time. If you found new errors to dispute with XXXX, please wait for your prior dispute request to be processed or contact XXXX directly.
On XX/XX/18, there was a hard inquiry on my credit report that I did nor ask for or apply for from Chase Bank.
There was a fraudulent ACH charge on my acct and the bank tells me that theres no way to prevent any future ACH charges from acct.
I am so happy that XXXX XXXX finally reported about you, CFPB, failure to look into Wells Fargo HARP refinancing program. 
I contacted you..complaint # XXXX regarding XXXX failure to adhere to the guidelines and in return you did nothing but send me back to XXXX!!! 
The problem is still there and XXXX is still trying to con me. 
You failed me and many other XXXX mortgage holders and I am so angry!
I was sold a predatory loan ( 7.67 % compounded DAILY ) for {$100000.00}. I purchased the loan as Second Mortgage in 2006. It originated with Wachovia and was purchased by Wells Fargo. I have tried to refinance on multiple occasions but neither the XXXX Mortgage Lender will assist nor will Wells Fargo restructure my loan so that it is a reasonable interest rate or compounded Annually. In spite of the fact that I have managed to pay on-time and am current, no lender will refi me ( after XXXX attempts with XXXX different companies ) I am told this is due to Debt/Income Ratios that are no longer flexible. My Loan/Value is excellent ( XXXX vs. XXXX ). I can easily handle my mortgage if can REFI, but am struggling now ( selling assets and savings ) to make ends meet. This type of loan is unheard-of in the current market and may even be illegal under predatory lending laws. HOW CAN I REFINANCE with current laws as they are? I refuse to skip payments to become eligible for default status. But if I continue to operate under the terms of this loan, I will be forced to fail. I believe there are hundreds of thousands like me and the current laws are crippling my ability to pay at a reasonable terms and competetive rates. This is a travesty forced upon the American Public as a result, not of consumer behavior but the unbridled greed of large too-big-to-fail banking institutions. Where is the assistance for those like me. Wells Fargo is squelching my successful financial future without concern or remorse. I challenge them to give me assistance and they refuse. My hands are tied and failure is imminent. Being Self-Employed should be supported, and not punished. I am without recourse.
Due to Address changed, I never received final Bill from XXXX 

After 6 years, I received a notice from RS Clark and Associates , Inc XXXX I contacted them, They mention my phone will be recorded so i did n't asked them anything in writing. 

They told me, as soon as i paid off my balance they will remove from Credit Report. I paid {$100.00} amount right away in order to remove negative item from my credit report. 

I paid off on XXXX/XXXX/XXXX via XXXX XXXX card ending XXXX. 

As i spoke to XXXX XXXX, he mention that they will Remove collection from my report within 30 days. 

I received a receipt saying sing and mail or fax so i scanned and replied R S Clark Associates back with signed receipt. 

I been trying to contact XXXX but they are not responding to Credit Agency about paid off. 

They still have Collection on my XXXX Credit report.
I was contacted by message, after applying for a loan. Said I was approved for XXXX dollars, and money would be deposited into my account. I contacted them after looking the up, and it did show as ligitiment number, and Company. However on XXXX XXXX, 2017, a deposit in the amount of XXXX was deposited as a payroll mobile deposit. All of my accounts are now locked until further notice. So now I have no way to access my accounts to pay my rent. When called, the company said it was on hold because of a low credit score and that they could continue the loan through XXXX XXXX, and cost me XXXX  dollars.
I had credit card insurance with Capital One on the Capital-One credit card that they are not honoring in the event of my past job layoff. I 've submitted disputes to credit reports and even submitted a letter to Capital One asking them why they are not honoring the card insurance that they offered for their cards. I had to pay a per monthly fee for that card ( at that time ) and submitted all original paperwork ( at that time, which I no longer have in my possession ) to Capital One, Capital One/Dominion Law " claim '' no one can find the original contract, well ; why am I still being held liable if they can not find the original paper ( not digitally altered ) contract that had my signature requesting with that additional check mark that I 've applied for card insurance to keep myself protected?