WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up with XXXX XXXX ( XXXX XXXX XXXX XXXX ) through XXXX. I was supposed to be receive XXXX bottles of XXXX gal water per month. Instead, they were delivering XXXX bottles bi-weekly at {$6.00} per bottle. I called them and they told me they would pick the extra bottles up and adjust my account to reflect correct costs. It never happened. I called back again asking about it, was told it was n't done, but the rep I was speaking with would be putting in an order to have the unused water and empty bottle picked up at the time of the call. The driver came, but only took empty bottles not extra water. At this point I was highly upset because they were also dropping off MORE water and charging me. I had a total of XXXX bottles of water. I called after receiving a late payment notice from them and stated I was told to make payment after adjustments were made. I informed them that they needed to fix my account so I can make the payment for the correct amount I was initially told I 'd be charged, not $ XXXX+ they were now claiming I owed due to the excess water. I requested to cancel the account. They told me the account amount can not be adjusted until the water is picked up. XXXX did not deliver more water pass the XXXX bottles, but also never came to pick up the equipment & water, nor made any adjustments. 

In XX/XX/2016, I checked my credit report to see that XXXX had referred my account to CBA ( Collection Bureau of America ) and my credit ha taken a big hit, dropping XXXX points! The amount owed on my report listed by the collection agency now read {$330.00}! I never received any notice from Collection Bureau of America about the debt nor anything stating my right to dispute. I most certainly would have disputed considering the issues I was having with XXXX XXXX. After calling XXXX XXXX due to seeing the account had been transferred and the stuff still had not been picked up, they told me they could no longer do anything about the account and that I would need to talk to the collection company. XXXX XXXX purposely over charged me and ruined my credit when they decided not to pick up their product after multiple phone calls. 

I called collection company and they told me I had a {$330.00} balance and I would need to bring the equipment to the crystal warehouse and it would adjust the balance down to {$110.00}. I told them that crystal water was supposed to have picked up the products, but never did. The rep told me no one would be coming to pick the stuff up and that I would need to bring the equipment and bottles in or be charged for them. I drove over 45 minutes to drop off the stuff at XXXX 's location. The rep asked me why I was dissatisfied with the product and I explained everything that happened. He informed me that the XXXX XXXX drivers are understaffed in the area and that is why they never came to pick up the equipment and water. I am being penalized by way of being over charged and my credit ruined for a problem within the XXXX XXXX company. It is my belief that XXXX XXXX has also misrepresented the status of account to CBA. 

XXXX ACCOUNT # XXXX
I attempted to obtain an annual credit report from Experian on line at www.annualcreditreport.com. After submitting the form, the submission was rejected with this error : A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX After getting this message, I backtracked to find the Annual Credit Report Request form. It displays as a PDFin the browser, but you ca n't fill it out there. You have to download it. I saved the file to my desktop, but instead of saving to a PDF format extension, the file is saved in a bizarre format - manualRequestForm.action. This file ca n't be loaded into a PDF browser. I renamed the file extension to PDF. 

My observation is that these steps all result in discouraging people from filing for a free report. The Web site provided no explanation as to why " A condition exists that prevents Experian from being able to accept your request at this time. '' It does n't say try again later. It just provides a mailing address. 

How many people just wo n't bother mailing in the request? Those who try may find it impossible to download the Annual Credit Report Request form. Then you have to wait three weeks or more to get a hard copy. 

In the time when businesses know everything about how users work with their Web sites, when organizations tune their sites to make them easy and frustration proof, this site seems to take the opposite approach and looks to discourage the very constituency it is charged with serving from getting the reports they are entitled to by law.
My office has been contacted repeatedly by LMS Mediation. It appears that someone having a debt gave them my office number. Today, rather than letting them leave another voicemail, I answered the call. I politely informed the caller, who said his name was XXXX, that he had the wrong number and that I had never met or heard of the person he was trying to contact. XXXX insisted he had used my phone number to contact his debtor on at least XXXX occasions in as many weeks. Once again I politely told him he had bad information. He then told me I did n't need to be an " XXXX '' and ended the call with a hearty " XXXX ''. 

I called the number left on the previous voice mails and spoke to a receptionist who told me my number would not be called again. The name of the company is LMS Mediation, the number is XXXX, and it is supposedly based in Michigan and owned by an attorney named XXXX XXXX. 

Like many, I XXXX for a company that has a large part of its business in XXXX. We have a large staff responsible for collecting this money and they do it by treating our customers with the respect and professionalism they deserve. I can tell you that companies like LMS Mediation make collecting debts the proper way much more difficult and just helps to solidify the smarmy, shady reputation the receivables industry has today.
My husband and I got a mortgage loan from beneficial mortgage XX/XX/XXXX. We bought a credit life insurance policy from Beneficial when we got the loan. My husband died XX/XX/XXXX. I have told beneficial repeatedly that he died and that I want to get the benefit of the credit life insurance policy but they just ignore me.
I am attempting to place a security freeze with TransUnion and they refuse to process it, either online or over the phone. XXXX and XXXX did it with no problem.
This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to XXXX, Experian, and XXXX. XXXX has my opening date as XX/XX/XXXX ; whereas, Experian, and XXXX cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on my credit.
Approximately, XXXX weeks before XXXX XXXX, XXXX when the transaction for the amount of {$530.00} from XXXX XXXX XXXX XXXX DFS ) on behalf of the account ending in # XXXX was charged to my Bank of America checking account, I remember receiving a call from the XXXX representative while I was driving back home from the University XXXX Texas, XXXX. During that conversation, I recall the representative asking me to set up a payment plan for my credit card account then existing with them XXXX DFS ), which had been already delinquent for the past few months. I remember saying to him that I did not have the funds required to make the payment and asking him instead to call back in the next XXXX weeks or so to discuss the payment. He/She would not budge and kept pressuring me to reply in the affirmative. Suddenly, the call got hung up. The next thing I know was that they ( DFS ) had already charged my checking account for the specified amount without my explicit authorization. I also remember contacting both BoA and DFS regarding this transaction to no avail, and the BoA representative instead referring me to the XXXX for reversal. There was nothing else I could do and found myself absolutely helpless. All the while, the non-sufficient fees and the overdraft fees charged to my checking account kept piling up, and by the end of the year XXXX, had already accumulated to {$1200.00} and {$1100.00} respectively, amounting to the total amount of fees charged for the year being {$2300.00}, as per the BoA statements enclosed herewith. 
Please be also aware that the BoA ended up closing my account in XXXX of XXXX with a negative balance of $ XXXX as of XXXX XXXX, XXXX.
On XX/XX/XXXX I received a copy of my credit report from my Credit Union ( pages 1-2 enclosed ) after I was denied credit from XXXX XXXX XXXX   because of a false and erroneous citation by US Bank to a Credit Agency. That same month I contacted US Bank to open an investigation to correct the  erroneous citation, which was settled with the creditor in XXXX! 

My credit report shows an open unsettled past due balance with US Bank of {$6700.00}, but that is in error. Please see the enclosed settlement letter. 

Not only has my credit history been injured, but US Bank has continued to be very dismissive in trying to correct the problem. I have had no response from them since XX/XX/XXXX, after making several more calls as recent as XX/XX/XXXX, for which they only acknowledged that they see that a file was opened ; but absolutely no progress has been made. 

I have suffered substantive punitive damages and I think it only right to be financially remunerated for this damage in addition to have my credit record back dated and corrected. I believe that this infraction needs to be recorded against US Bank as due retribution. I am currently in the process of trying to purchase a dry cleaning franchise but I am impeded by US Banks continuous apathy and sloppy practices. 

I am very angry about these big banks receiving all these bailouts and then US Bank XXXX XXXX CEO XXXX XXXX resigns in a scandal. It seems like the system is rigged!
its the same old thing with EQ. i dispute an item on my CR and EQ does no investigation just verifies the information. Sent in paperwork proving item was removed off CR in XXXX 2015, but showed back up 6 months ago. i guess there is no law requiring them to investigate or forward info to credit furnisher. i hear there are really no laws about investigating disputes. the system is automated and ran on computers that are outsourced to other countries. the XXXX credit agencies are worried about ID theft yet outsource to XXXX known for id theft. to save a few bucks EQ puts my info into foreign peoples hands. i hear these investigations are never looked. my complaint is that EQ do a real investigation. that " XXXX. '' DELETED COLLECTION OFF CREDIT REPORT THEN REINSERTED A YEAR LATER WITH NO STOPPING THEM BY EQUIFAX AND NO COMMUNICATION TO ME. I DISPUTED A FEW MONTHS AGO. VERIFIED IN 1 DAY. SOME INVESTIGATION!?!? IM A XXXX VETERAN AND ITS DRIVING ME CRAZY TRYING FIX MY CREDIT REPORT
In XXXX 2017 I refinanced my home thru New Penn Financial, my contact XXXX XXXX told me that because my income verification did NOT match what I had submitted that I would be required to pay off my two credit cards. The first was with XXXX XXXX XXXX for about {$2400.00}. The second was an XXXX credit card with XXXX in the amount of {$560.00}. New Penn said that I would have to borrow more money to pay these off and that they would provide me with 2 checks to do so. The first check for XXXX was for the exact amount and went thru no problem, the second check was made out to XXXX for over the amount and when I went to pay the clerk informed me that they were not able to complete the transaction because the check was for more than was owed and my name was not on the check. I emailed XXXX XXXX at XXXXXXXXXXXX and text her at XXXX. I gave her the exact amount due and she told me that she would get back to me. I never heard back and have begun to receive bills from XXXX for the credit card. With late fees and interest charges the total due is now {$780.00}. I have tried to call XXXX XXXX and her immediate supervisor and left voice messages with both of them and emailed XXXX at her email address and have received no replies. As this affects my credit score it needs to be resolved ASAP. Thank you
Chase offers fee based Credit Card product in partnership with BritishAirways. The rewards program as part of the product is quite misleading to consumers and to certain extent fraudulent in my opinion. The product charges {$95.00} annually and used to provide 1.25 times reward for every {$1.00} spent. Chase changed the terms of the rewards arbitrarily without any change to the fee structure charged annually. It now offer XXXX reward point to every {$1.00} spent which is similar to many other cards which are fee free. Also the card provide free companion ticket if one spends $ XXXX in calendar year. I rushed to meet this spend level last year to claim the free companion ticket. Later found out that this is completely fraudulent. When try to book the ticket using this voucher, there are no availability for the entire 12 months of 2016 if I try to use the free companion voucher. Then I decided to not use the voucher it shows up very limited availability where I need to spend XXXX reward points and pay additionally $ XXXX for XXXX tickets. The regular pricing for such tickets is of the order of $ XXXX. This means Chase offers you reward points however they are useless currency. I have already complained this to chase but I have no faith that they will review their rewards program with BA and aptly compensate me and many such consumers. This is false advertising and should be clearly communicated to consumers when Chase advertises the rewards program to it 's consumers. 
I think I have paid un-necessary annul fee for product that did not offer me anything in return. 

Also, the british airways rewards prograAt the time of sign upis quite fradulent
This has become a rather urgent matter. The responses from Go Financial have been most unacceptable and attempts to simply blow me off or to minimize this serious personal credit impacting issue. I notified them many, many, many times that the vehicle that I purchased was a lemmon. It was not only unsafe to operate, but I was completely ripped off on the predatory interest rate. I was PROMISED that they were " working on it ''. Rather, while I was led to believe that they were working to find solutions to re-capitalize the loan, adjust the rate to a fair and reasonable rate. They picked up the vehicle while I had several thousands of dollars on hand upon their FAIR, WRITTEN RESOLUTION that I NEVER got. Next, when I filed a formal complaint, they confirmed that the vehicle was worth approximately {$2500.00} while they are attempting to bill me for over {$11000.00} and later send me a  XXXX  for this high amount. I submit to you that Go Financial has made my case. The vehicle was not properly estimated at valuation, I have been swindled, dishonestly treated as a customer.
My Consumer number is XXXX and Case number is XXXX. As I reviewed my report I noticed numerous errors and information that doesn't belong to me. Here is the information that doesn't relate to me : Email addresses XXXX. XXXX..Phone numbers : XXXX, XXXX. Addresses : XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. And these are not my insurances XXXX XXXX  and XXXX XXXX. And XXXX is not my social security number. Please remove all these inaccuracies off of my report. I haven't been successful getting a rep to assist me on the removals of these inaccuracies. This is my last attempt to have these items removed otherwise I will sue for defamation under the fcra 623. Also please mail me an updated full disclosure report to me
I have Barclays XXXX Visa card. I was late on one payment. They without warning cancelled and closed my account. They then informed my interest rate would be 21.24 %. They informed me the only way I would qualify for a lower payment is if I had a hardship and failed to make payments. I explained to them I had a significant hardship, but I am now current on my payments. They stated the account would have to be in collection in order to get a lower interest rate. I explained to them that made no sense that because I am current on my payments now they can not restore my credit or lower my rate. The representative even agreed the system made no sense, but she was bound by the banks rules and they can not make exceptions for one particular person.
I am having issues with the way that Chase is handling my accounts. I recently had arrangements to satisfy a charged off account to pay {$50.00} per week and a lump sum at the end of 5 consecutive payments to satisfy the account. However, I was laid off and was not able to fulfil my payment obligations. On XXXX XXXX, 2017 Chase redirected {$720.00} to offset the amount of the charged off account which were funds to be used to make my monthly rent payment. I immediately called Chase and spoke to a representative named XXXX who stated that she did not have the authority to redirect the funds to my account. I was then transferred to a Sr. Representative by the name of XXXX . I explained the severity of the situation and even made the necessary arrangements needed to get those funds back. This dilemma could cause my rent payment to be returned and my leasing company to file eviction. Chase did not seem to care and told me that due to their policy that I could only receive half of the funds back in that respect. I asked XXXX to process the return of the funds as she stated and that I will visit my local branch. 
I stopped by the Chase branch at XXXX XXXX XXXX, XXXX XXXX, TX XXXX and spoke with a banker to try and get further assistance. He did advise that there was nothing he could really do but would call the recovery department on my behalf. He spoke with a Representative name XXXX who was very helpful. He agreed to credit some fees to another account that I had to assist, however, he could not override the arrangement from the previous representative, XXXX. 
Needless to say, my rent payment is pending and could possibly be returned and now I am short {$220.00} for that payment and risking eviction. These policies are not in written in Chases verbiage to advise a customer that funds from your current account can be offset to an account that charged off 2 years prior without your knowledge. 
I am requesting my full refund of the fees that were deducted from my account. Immediately as this has caused a considerable hardship that Chase does not care about..
Received a call from Revenue Group claining I owe California State taxes from XX/XX/XXXX and XX/XX/XXXX. I called Califorina Franchise Tax Board and they told me I do not owe them nor have they send anything to a collection agency. They do n't even use the Revenue Group.
On XX/XX/18 at XXXX I withdraw {$6500.00} from by XXXX account for business purpose to transfer to bank of America account of my business partner which I needed to deposit {$7500.00}, my plan was to use {$6500.00} from XXXX account and to withdraw {$1000.00} from BOA account. 
I then went directly to the ATM to withdraw {$1000.00} from my bank of America account ( I had to do 2 transaction, 1 for {$800.00} then for the remaining ). I then walked to to the teller to do the complete deposit of ( {$6500.00} and {$1000.00} that I had withdraw from my BOA account ) to do the deposit to my business partner account who he also a BOA customer as well. I was redirected by the teller to deposit in my account then to do a online transfer. I proceeded to the atm the first transaction I tried was for ( {$1000.00} which the transaction only allowed XXXX and returned {$20.00} ) -this amount was successfully deposited. I then proceeded to do the remaining ( from the {$6500.00} I took out a portion of the money and inserted in the machine ) the machine took the money never returned it, then posted the error message that I have attached. I then ran to the teller to explained what had happened, she then took the envelop with the remaining cash that wasn't deposited and calculated it to be ( {$2100.00} the amount that I never got a chance to deposit. ) she then advised me to make a claim and assisted me to use there phone number. I filed a claim and was advised it could take 7-10 business days. I explained that this was my money and clearly this was their error which was a huge inconvenience, considering I had business arrangement which end up costing me to incur interest and also considering that was the holiday weekend- no one considered to even give me a temporary credit of apart of the money- considering the inconvenience. I called everyday after and was told they are waiting to balance the machine with no regards on my situation faced. couple days after I was told they recovered only {$3200.00} from the missing {$4400.00} which they then closed my claim saying it was resolved. After numerous calls and asking for further assistance or a manager my claim was reopened, hours later I received a call from the manager that my claim was close and the machine doesn't make error and she is closing my claim. To date I have only received {$3200.00} which I am still missing {$1200.00} with a close claim.
XXXX XXXX XXXXXXXX shows a late payment in XX/XX/2011 that is incorrect.
I filed a bankruptcy back in 2012, but according to the New law that took effect in XXXX they should be taken of because of missing pertinent information. My public records need to get removed because of this new law.
Hi, One XX/XX/18 I underwent a XXXX. I received a letter from XXXX XXXX XXXX regarding my dues and I paid them in full. 

Recently I received a call from the Rash Curtis and Associates ( collector ) regarding the balance due ( XXXX ) for that XXXX. I was told that the XXXX XXXX XXXX are separate and their bill was different. I called them and ask why I did not receive the bill and I was told that their address was incorrect. They did not include my apartment number and that is why I did not receive any letter. They collected the address from the XXXX XXXX XXXX and did not try to reach out to me ever to get the amount paid. 

I called the XXXX XXXX XXXX to pay them the bill directly but I could not because the billing department already sent it to collection. 

I can not use my XXXX card for collection and I do not want to pay extra money ( interest ) because they did not send the bill to the right address. 

Thanks in advance.
I had moved from XXXX to XXXX and I never received the Bill.

I already had talked to the customer service and they promised to remove from collection Sequia Financial Services Acct # XXXX