WillisBack/dataset-financial-user-claim huggingface dataset:
I have received XXXX notices from this company called Debt Recovery SolutionsLLC. 

I was informed through the letter that they had bought my account with a bill from XXXX with a bill of some amount of money. i didnt take action. They sent me another letter later that is shown through the attachment. They asked me for about {$340.00}. I called them and before they asked me to say my last XXXX digits of ssn, they said my last XXXX digits and asked me if it was correct. After i asked a few questions i hung up and started to have suspicion because of few reasons. 

1. I was a XXXX customer but right now when i received the letter i am a XXXX customer and i had payed off the rest of the bill. 

2. It was weird they knew my last XXXX digits of ssn even before i said it. 

3. I had businees with XXXX NOT XXXX. I didnt ever owe anything to that company. 

4. When i called them and told them that i would report them they threatened me about my credit score.
On XX/XX/2018, I used the XXXX XXXX app to transfer {$200.00} from my XXXX XXXX checking account ( debit card ) to my sisters XXXX XXXX   account. As of today, XX/XX/XXXX, the transaction still shows pending. The recipient ( my sister ) has still not received the funds. We have made four phone calls to XXXXXXXX XXXX, each call taking between XXXX minutes to XXXX hours, and each time have been told it will be another XXXX hours for XXXX XXXX   engineering team to fix the problem in their system. Today, I was on the phone for XXXX minutes and was told yet again they are working to fix the problem but cant tell me when. In my mind, XXXX has stolen not only my money but also my time which is of even greater value at this point than the formentioned funds. XXXX XXXX needs to be shut down. They are misleading consumers and are not able to live up to their terms of agreement. After XXXX weeks, I label this as theft and fraud.
Since XX/XX/XXXX of this year a collection company, XXXX XXXX XXXX, has been reporting an account to my consumer credit file in XXXX, XXXX and XXXX. The article is a debt in my name for the amount of {$660.00} which I don't recognize as mine. Furthermore I have never used the services of the company who originally contracted them. Under the FCRA laws, I submit a dispute with each credit bureau twice, both times asking for the documented proof and correction of the item on file. My simple request is being ignored and no such documentation, be it itemized charge lists, original contract, signed paperwork, debits, affidavit or other document has been provided to me. This company is damaging my economy to the point that I tried to obtain a mortgage and the rates where not the best because that erroneous and fraudulent debt on my credit report. I am contacting the CFPB with this complaint because not only is the debt illegally reported, but not one principal at XXXX will help me as is required under the law. 

I have gone on the record with the top three bureau 's and have extensivley sought a resolution to this issue. I am asking the CFPB to mediate and force servicer to comply with an actual investigation, provide documentation from where they got this account and fix a problem which is not mine, yet which through negligence, is besmirching my standing.
I opened a XXXX account with a promotion code XXXX '. The promotion is supposed to give XXXX XXXX XXXX miles If I am a existing XXXX XXXX Credit card holder and opened a new XXXX account. I opened new XXXX with the promotion code and even got confirmation saying that promotion code has been coded on my account. I did n't get the XXXX miles when I complained about the same with customer service they created a case and then later they told that I was once a XXXX customer and not eligible for promotion. I did n't know this information/disclosed to me when I opened the account over online so I requested to credit the miles or give me a waiver/exception and I did n't get any response about the waiver/exception. I am also attaching the requirements of the promotion and it did n't say anything about the previous/existing customer. 

I am not sure about how miscommunication happened and I kindly request you to issue me the promotion benefit. 

Thanks XXXX
I had an issue with my account due to a duplicate transaction. The credit card company charged me an overdraft fee and assured me that it would be refunded once the dispute had been resolved. Once the dispute was resolved I noticed that the overdraft fee had not been refunded. I contacted Netspend to make them aware of the issue and both agents were rude and unhelpful. At one point of the call the representative told me that she would have to hang up because the call was taking too long. I then asked to speak to a supervisor for further assistance. Netspend is telling me that they refunded the money, but when I ask them to walk me through it they wo n't. The information I have online does not match what they have in their system. They claim credits have been issued to my account that I can not see. I do n't think that this is fair to me as the consumer, I also do n't like how the customer service reps treated me.
XXXX XXXXXX/XX/XXXXI am filing a complaint against Wells Fargo bank regarding inaccurate reporting of my Wells Fargo Credit Card account to the Credit Bureaus. 
I have never used my Wells Fargo Credit card - ever. Wells Fargo has reported activity on my Wells Fargo Credit Card account. 
Wells Fargo reports on my XXXX XXXX credit report a payment of {$9.00}, but reports no balance, date of last payment. Wells Fargo reports on my XXXX XXXX credit report a {$0.00} payment, and last payment made in XXXX/XXXX/XXXX, but does not give a balance. Wells Fargo reports to XXXX XXXX Credit report date of last payment as XXXX, but does not report payment amount or balance. Since I have never used my Wells Fargo credit card this is inaccurate and false information. 
I called Wells Fargo regarding this and they told me it was my overdraft protection activity. I have never over drafted on my checking account/debit card. My debit card and my credit card are XXXX completely different accounts. And I have never used my Wells Fargo credit card. I said I would go to Wells Fargo bank and sit with a banker to address this. 
I went to my local Wells Fargo Bank on XXXX XXXX, XXXX. I was told by the teller it was going to be a very long wait, if I would like to come back later. I said no, that I would wait. I saw a banker within a few minutes. 
The Wells Fargo banker had trouble answering my questions. I asked him to call the necessary department or banker on the phone. While he asked some of these questions, the phone banker hung up, is what he told me. Since I was n't getting my questions answered, I asked Wells Fargo banker, to please note that down for me and I would leave in order to contact CFPB. He declined to give me anything that would state what his answers were or that he was declining to write anything down to state his not wanting to. Eventually, he did. I showed him the Wells Fargo reported activity on my XXXX XXXX credit reports reflecting a lot of activity with balances and scheduled payments and the High Balance of {$1100.00} on the XXXX and the credit report from XXXX. He implied he did not know where I got those from. He also told me to get my statements. 
I have never used my Wells Fargo Credit Card so why was there a high balance of specifically {$1100.00}? My credit limit was {$8200.00} in XXXX through XXXX. The banker could not answer most of my questions. So again I asked him to call the online banker. So he called again. He did say that I was given an increase of {$13000.00} XXXX in XXXX and in XXXX of XXXX the credit limit was decreased to {$2000.00}. He was unable to tell me why. There was a {$76.00} balance with a {$15.00} scheduled payment due, the XXXX XXXX was {$1100.00} on my XXXX credit report. Why does my credit card account have any activity on it at all? 
Wells Fargo reports inconsistent, inaccurate information on the reports. Wells Fargo reports a scheduled payment of {$9.00} due on the XXXX of XXXX over and over again. I have never used my credit card so this is false information. 
Please help me get this cleared up with Wells Fargo bank.
Equifax is stating they can not located my credit report and credit file by my name, social security, address or anything. I was told to fax them in my drivers license and social security card " to verify my identity '' and call back. I waited 3 days and called them back only be told the same thing that they can not locate me and that " I must not have any credit ''. Then I was told that if I can pull my XXXX credit report to fax or mail that into them so they can look at that. 

I've called my credit cards and they said they report their data to equifax. 

I have 17 years of credit, have 2 mortgages, student loan and 2 credit cards. I have CREDIT. This has been very frustrating. 

What is the solution here?
back in XX/XX/2018 I contacted this company sending them copies of affidavit that this debt was a result of identity theft I do not recognize this account and it needs to be removed from their records and any reporting agency that they have sent it too .... I have not been able to get a response ... then I mailed them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out before potential exploring potential legal ways to fix this problem ....
First I receive a credit card from chase I did not apply for and was told to create a fraud alert with one of the credit agency 's, which I did. Then today I am at a restraint trying to pay with a different credit card from chase and it was rejected. I spent over an hour on the phone going threw XXXX different levels answering the same questions correctly three times. The last Chase agent who was rude and totally insensitive decides to close my account
1 / I made a first transfer of XXXX the XX/XX/XXXX from my account XXXX to my account coinbase without putting a refernce transfer. 
You sent me an email telling me that you can not process my deposit sent on XX/XX/XXXX and that I will be refunded ( see attached screenshot ). 
TheXX/XX/XXXX you have refunded my deposit of XXXX. 

2 / I made a second transfer of XXXX the XX/XX/XXXX by adding this time the reference of the transfer that I had not put the first time : XXXX. 
Despite the addition of the reference, you sent me a second email telling me that you can not process my deposit sent on XX/XX/XXXX and that I would be refunded ( see attached screenshot ). 
Except that I still have not received this second reimbursement ( see account statements XXXX and coinbase ). On these statements, you will see : a charge of XXXX the XX/XX/XXXX a credit of XXXX the XX/XX/XXXX a debit of XXXX the XX/XX/XXXX and nothing! no refund!
I have never been a tenant at XXXX XXXX or Carter-Young.  The account and debt collection does not belong to me. This has been on my credit report since XXXX and Ive been disputing it ever since. This false debt collection has hindered me from being able to get an apartment in XXXX.
For XXXX years I 've been transferring funds from my credit union account to my checking account at Bank of America. Those transfers all cleared in XXXX hours or so - I never even saw a hold placed. Last month, however, my deposit was held by BofA, XXXX for XXXX days, then on the XXXX day extended to XXXX days. The credit union reported that the funds were delivered to BofA on the day after the deposit. After an hour on the phone with the " risk department '' at BofA, a supervisor giving her name as " XXXX XXXX '', released the hold, but refused to tell me why the bank had placed a hold on funds they had already collected. The same thing has happened this month - my check was deposited in a BofA ATM on XXXX, the credit union shows the check clearing on XXXX, but BofA, on XXXX, declared a hold on the deposit, which they say will be released on XXXX. Again, agents of the BofA refuse to say why my money is being held, a XXXX after they collected it from the credit union.
I sent a letter to Transworld Systems Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the three credit bureaus that I am asking to be deleted.
On XX/XX/2018 I made several small purchases using my debit card. The next day I checked my account and they had charged me XXXX in OD charges. On XX/XX/XXXX after trying to resolve this myself I went to the bank and they refunded XXXX of OD charges. On the same day I locked my account and reported to them that some charges were unauthorized on XXXX, XXXX and XXXX but that didnt stop them. To my knowledge they have stolen over XXXX from me. I am on Social Security and I am worried about my check that will be deposited on XX/XX/XXXX. I dont know where to begin but these people need to be stopped.
I attempted to file a request for correction on my report and even faxed information to the bureau and yet they are NOT correcting my report or improving my score ( as my banker and I believe it should be )
I had a credit card account # XXXX from CITI from XXXX until around XXXX XXXX and i requested for a closure on reference account # above through a phone call. They offered me a settlement on the account for the balance remaining. I paid the settlement amount as agreed and I am suffering from the negative report they reported after closing the account in XXXX or XXXX XXXX, I want to request for a validation that the negative remarks CITI continue reporting after closing my account was accurate and not a mistake. I kindly request a proof or validation on this account that the negative remarks were accurate and properly reported or timely delete it from my credit reporting account with XXXX, XXXX, XXXX. Thank you
I sent certified letter to Equifax,   XXXX   and  XXXX , stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also have f or two y ears have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .
1 ) Unable to lift credit freeze 2 ) Unable to get credit report 3 ) I suspect fraud/errors 4 ) Experian not responsive by phone or web
1. Everything I apply for personal loans and credit cards TransUnion is saying my credit score is XXXX when it is a XXXX and Im being denied credit for that reason is there anyway that can be fixed other credit report consumer are saying different. 
2. I never leaved at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
I received an alert from XXXX  on or about the second of XXXX, 2019, stating that there had been some changes to my account, and I when checked my file I found out that National Recovery Agency had reported a couple of accounts that I have no knowledge about. The two accounts were reported under Account number XXXX with a balance of {$560.00} and {$340.00}. 
National Recovery Agency did not notify me of these attached debts, which I was told by XXXX agents that they were medical. National Recovery Agency just reported the issue directly to XXXX as delinquent without notifying me of the mentioned debt, which is in direct contravention of the law. The reporting thereby depressed my credit score as a result of this reckless action.
In XX/XX/XXXX, I had a flat tire and drove up to a gas station to get air in my tire. I used my SunTrust debit card to pay {$1.00} for the air. After swiping I waited for the air pump to work and it never did after I waited for over 5 minutes then I swiped it again and still nothing. I noticed the next day when I checked my SunTrust account that my account was overdrawn by {$75.00} which was an unauthorized transaction made on my debit card. I contacted SunTrust Bank the same day to advise them that the {$75.00} charge was nothing that I had done, this was an unauthorized charge and I began the dispute process with SunTrust Bank immediately. I have completed every step SunTrust has requested in trying to resolve this matter and get my money back to no avail. In the process of this dispute period SunTrust left my account in the negative and closed it as if I had done something wrong, never giving me an answer as to why my money was'nt given back and why the account was closed as well as asking me to pay the negative to bring the account current when I did not overdraw the account. This was fraud and I am being treated as though I am the criminal. Lastly, they have placed this fraudulent negative balance on my credit report. Please help me get this situation resolved and corrected. 
Thank you
Seterus continues to mail letters stating I am responsible for a debt discharged in Bankruptcy Court 3 years ago. I filed a complaint in XXXX XXXX and the company agreed not to contact me however they continue to do so. 
Further Seterus admits in the enclosed documents that they are sharing my private financial information with their affiliates. They also sent me paperwork via XXXX overnight stating that I need to fill out mortgage loan modification forms. 
I have documentation going back to XXXX from Seterus trying to reaffirm this loan, which is in violation of the Federal Bankruptcy Court ruling in my case.
The following unverified items/ Account listed below still remain on my credit report in violation of Federal Law. Under the FCRA creditor is suppost to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. On XX/XX/2014 I was victim of identity theft, in the event I filed a Police Report : Personal Vehicle Auto Theft! Creditors Must provide me a I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX   XXXX Unverified Account XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account.
A XXXX credit card account became past due and was settled in XX/XX/XXXX. I paid the settlement agreement in full and received a tax form for the written off portion of balance that I paid taxes on. In XX/XX/XXXX I called XXXX and offered to pay the remaining portion of the balance that was written off so they would update my account to 'Paid in full ' as opposed to settled. They agreed and took my payment and updated the verbiage on account. What they did n't tell me is they re-opened the account status for credit reporting status to show late payments of 120 days plus for almost 2 years prior to the payment of the amount in XX/XX/XXXX. I specifically asked the agent at the time of offering to pay back the portion that was already settled and written off if this would jeopardize my reporting on credit in anyway and they assured me it would not. I remember specifically asking them if it would because I would rather not pay that portion and leave the account be if it would cause further issues. Basically they updated the verbiage but then updated my account with credit bureaus to make it look like I had an outstanding balance with them that was rolling XXXX plus day late payments for almost 2 years. The account would have been removed from my credit profile at this point but they say it will stay on until XX/XX/XXXX which is 7 years from the date I called in and made the payment to them just to update the verbiage on trade line. I did this because I work as a loan XXXX and wanted my credit profile to be as clean as possible. In attempting to better my credit and right a wrong XXXX has extended the damage to my credit on an account they settled. My request is to have the account removed from credit profile as the account has not been active for over XXXX years. They have been paid in full and I maintain a credit and checking account with them now with excellent history. I placed a dispute with Equifax and they came back and said XXXX did not agree to remove. I have called XXXX probably a dozen times over the past XXXX years and tried to get them to help and the department that handles this told me they agreed with me and that the account should be removed but due to a dispute with another department on how it should be handled they cant remove it. This is been ongoing for XXXX years. They said it 's not high enough priority to get the dispute resolved internally on how it reports. This is damaging my ability to get low rates on credit and costing me money over their petty internal dispute it sounds like to me. Any help is appreciated.
I have a deletion letter from the Collections agency, however, the derogatory remark was NOT removed from my credit report. I am recently divorced and am attempting to refinance my ( and my children 's ) primary residence, I can not complete the process until this is removed. XXXX has not complied with my request.
I am receiving daily calls from Capital one on a car that we are behind on the payments. They are threatening to repossess it on a daily basis. Same questions are ask and same threats every day.