WillisBack/dataset-financial-user-claim huggingface dataset:
On Sunday, XX/XX/2019 I attempted to withdraw cash from a Suntrust ATM, however, upon putting in my card, there was no option to withdraw cash. Assuming the machine was simply out of order, I drove to another Suntrust but encountered the exact same problem. Upon contacting my parents, I learned they had the same issue that day. So Suntrust was essentially making it impossible for us to access funds. I had to drive to another bank and pay a {$3.00} fee to withdraw money. Now Suntrust has charged me an additional {$3.00} fee for using another ATM. This is absolutely ridiculous- their machines aren't working and they are going to charge me for getting my funds out via another bank? This seems an awful lot like holding my money for ransom.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against EOS CCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
I was living with a friend and moved out on XX/XX/2015 but didn't know I had left several personal identifying documents behind. I believe that friend or their associates used my personal documents and information to obtain several credit accounts and vehicles in my name. I have confronted several people concerning these accounts once I had become aware of them but they say it could've have been anyone but them.
After receiving my TD credit card statement, I saw a charge I did not recognize. It was a {$200.00} charge from XXXX. 
I called Customer Service at TD to find out what the charge was for. They told me they could not tell me as, although their records did show the charge, the record did not show the reason for the charge. TD told me to contact XXXX directly. I tried to call, but there was no number on their website I could find that was responsive to the problem. 
I called XXXX back and informed then of the above and said to put amount under " dispute '' until I was told the reason for the charge. 
On XXXX/XXXX/15 TD sent a letter ( attached ). XXXX responded by saying the {$470.00} charge was for XXXX. It is plain this was a non answer and I wrote to TD on XXXX/XXXX/15 ( attached ) so stating. Please note XXXX things ; first, I put " XXXX '' rather than XXXX because my company is involved in credit and it is so close, I put down the wrong name. The second is my PS. Asking for a missing statement. Nothing was received. There is a handwritten note at the bottom of the letter that, on XXXX/XXXX/15 reflecting I called XXXX at TD Customer Service to, again, get the missing statement and was told it would be sent. Not! 
I received a letter 0n XXXX/XXXX/15 ( attached ) from TD stating the merchant had issued a rebuttal and they were accepting it and putting that charge back to my account. You can see it is the identical " rebuttal '' sent in TD 's XXXX/XXXX/15 letter. 
On XXXX/XXXX/15 I received the enclosed XXXX/XXXX/15 letter. Interesting! I responded XXXX/XXXX/15 ( attached ) to see what TD 's response would be. There was no response. 
However, I did get TD 's last missive dated XXXX/XXXX/15 ( attached ) thanking me for enrolling my account and confirming the fact the first deduction will be on XXXX/XXXX/15. I called Customer Service and asked for copies off documentation showing I made such a request. They said they had none and would confirm that fact to me ( see XXXX/XXXX/14 letter attached ) Of course, there was no response to the letter or the promised confirmation. I am awaiting their next statement to discover their next move. I have paid all past charges on my TD statements other than the XXXX charge,. I will, in my next statement do the same. 
I do not consider the matter closed as my problem has not been addressed as shown by the above and attachments. Something foul going on with them on this matter.
On XX/XX/2018 at XXXX we received a call ( XXXX ) with a message for an XXXX XXXX XXXX to contact Northstar Location ( XXXX ). I called the number and spoke to an operator ( XXXX XXXX ). I stated to him that we have received this call multiple times and are trying to get the calls to stop. I explained that the message from the call gives the option to connect to the operator but when the option is pressed the call hangs up. He stated that he will " investigate '' this matter
CHEXSYSTEMS,, I do not have a contract with them and no obligation to perform, they have no proof of anything and are rico-racketeering criminals, they are reporting deformatory information on me and for what reason,? have i ever received a bill? 
from who?, who ever sent me a varified complaint of a wrong doing? 
dont send me your statements, a statement doesnt prove anything, and who you are and what you do is no concern of mine unless theres a contract, so what the XXXX are these criminals doing? why theyre in the business of EXTORTION and trickery and word semantics, they are CRIMINALS, so what wrong have i done to them? show it to me
I received a text message from XXXX that I had activity on my credit report on Sunday XX/XX/2018. 
I signed in to my report to see a new collection from Southwest Credit Systems posted on XX/XX/2018 for {$300.00}. 

I then called Southwest Credit Systems asking why there was a collection from them on my credit report. The operator told me it was from XXXX XXXX XXXX and to call XXXX XXXX XXXX for more information. I called XXXX XXXX XXXX because I have a cell phone account with them and asked them why they had sent me to collections. The XXXX XXXX XXXX operator told me that I was in excellent standing and that I was not sent to collections by XXXX XXXX XXXX. I returned my call to Southwest Credit Systems and told them what the operator at XXXX XXXX XXXX had told me. The new operator at Southwest Credit Systems said my collection had actually been paid, {$300.00} and that the collection account was closed with them. The operator gave me This account number- XXXX This address XXXX XXXX XXXX XXXX , CA. 

I called XXXX XXXX XXXX back and asked them about any information linked to the above account number and address and they had nothing on record. I asked if they had any other accounts under my social security number and they had nothing. The XXXX XXXX XXXX operator also told me that XXXX XXXX XXXX would send me several notices in regard to my account prior to ever sending my account to collections for future reference.
XXXX XXXX is trying to collect {$250.00} from me for utility services provided at XXXX XXXX XXXX XXXX in XXXX, MA ( account # XXXX ). This account and this service is not mine ; I can only presume an account was opened under my name and SSN and this is a case of identity theft. 

XXXX XXXX sent the above amount due to collection agency Transworld Systems , Inc ( account # XXXX ). I first become aware of the problem in 2014 when I began receiving invoices from Transworld. 

Both XXXX XXXX and Transworld have been notified of the problem. A police report of identity theft has been filed with the XXXX Police Department ( report # XXXX ).
I received a collection letter with an account number balance owed and original creditor information. Date of service was not included. I called the number on the letter the man who answered tells me it was placed on my credit report  XXXX / XXXX /  XXXX  . I received the letter today  XXXX / XXXX /  XXXX  . First communication I have ever received, and they had already put it on my credit report. The man gave me service date from  XXXX . This is from 5 years ago, and this is the first communication I have recieved.
After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/2018 with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with XXXX on XX/XX/2018 for  the account, stating that the account does not belong to me. The account has not been removed my credit report.
I lost my Loews and XXXX store card and some one used the card with out my authorization. I provided them with my time sheet approved showing I was at work during those charges at the time and they say that I was the one to make those charges when I reported the card stolen and I should be {$0.00} liability for fraudulent charges.
The company contacted me at work. Ive never heard of this company in connection with my student loans. I have also never received information from the original debtor or the company so that I may verify the original debtor contacted this company to use their services regarding my student loan.
XXXX XXXX of American Accounts & Advisers called me this evening after I had been working with one of his reps in getting an itemized bill from a medical bill. After I explained to him that I was working with one of his reps, he proceeded to tell me that I was " Taking advantage of her niceness '' and that he " knows people like me '' He claimed that I had no intention to pay and then made light of putting this on my credit report. When I asked for his supervisors name, he then gave me his subordinates name and number. I know this because I looked it up. The name He gave me was XXXX XXXX. If he would have stopped for a moment, I tried explaining I had n't received a bill most likely because I moved and I was also told that it was covered by my insurance. Rather, he thought it a better idea to make me feel like a child in the way he was speaking to me.
Chase is reporting me negatively to the credit bureaus as being 30 days late back in XXXX. 2014 although they are well aware that it only happened once throughout the whole life time of the account and I had difficulty 's receiving my statements as I live in a big apt . building however, even after contacting them about it, advising them to correct it, as it causes me credit damage, and even after I was already promised by XXXX XXXX XXXX, it will be corrected they still continuing to report it negatively.
If I am under student loan forgiveness why is my credit score and report is showing different Pulled my credit report from XXXX XXXX and it is showing I owe XXXX in loans and I have not graduated or completed my degree. I am having a hard time living in my own skin. I am so exhausted. I also have been a victim of credit reporting and social security number fraud. The credit bureaus all three has been hacked and I numerous phone calls from companies I never heard of. My information has been sold to different companies I am not aware of.
On XX/XX/XXXX I contacted Wells Fargo and spoke to customer care providing my name and purpose for the call and proceeded to request the finance department about a unauthorized inquiry on my report dated for XX/XX/XXXX. 

Well Fargo was unable to present me with a application of consent or any information about the inquiry.
This collection company is reporting erroneous debt to  XXXX  in my name. The debt collector has a debt on my report for  XXXX   XXXX . I have never lived at  XXXX   XXXX  in my life. This debt is not valid and after several attempts to rectify this with the credit agency they have ignored my requests. The creditor has yet to show a signed lease agreement between myself and the apartment agency. They instead continue to submit a fabricated bill with my name on it to  XXXX .  XXXX  has failed to research the debt in its entirety. They only ask the creditor if the debt is valid and never ask for proof.
I use the Citibank XXXX Advantage Credit Card which entitles the consumer to Group XXXX Boarding on Flights and XXXX Free Checked bag on XXXX airlines flights. The card has a annual fee of {$85.00} dollars for these services. My family and I took a trip on XXXX XXXX on XXXX XXXX to from New York to XXXX XXXX XXXX returning on XXXX XXXX. We did not receive Group XXXX Board or our free checked bag. I contacted Citibank on XXXX XXXX and the service person apologized but indicated that nothing could be done about the services that I paid for that I did not receive. I then asked how could I be assured that I would receive the services that I paid for in the future. The representative could not assure me that I would receive the benefits that I paid for. So I asked why was I being charged for a card that would not work. The agent then offered me XXXX american airlines miles. I never received the miles and I am not receiving the benefits that I have paid Citibank for with this card.
In   XX/XX/XXXX  ,  WELLS FARGO B ANK in Florida,  XXXX   XXXX , added an extra Premium Checking account ( ended  XXXX  ) without been authorized by us.   Late fees and charges been added, for many months jeopardizing our financial reputation.   As today,   XX/XX/XXXX  ,  W.F.  personal banker in  XXXX   XXXX , was not able to provide to me, any document, statements nor authorization and I requested to close the account.   A case #  XXXX  was created and the latest fee was credited.
I knew an account was being sent to Mars INC. on XX/XX/18 so I contacted them with the intention of setting up a payment plan. My main concern is credit reporting and preventing credit reporting. The representative had provided me the balance and that she would require $ XXXX/month to prevent credit reporting and that it is a courtesy that keep an account from credit reporting. I mentioned that they were in violation of FDCPA by not providing the Mini-Miranda. She said " we haven't discussed the debt '' ; which we had when she disclosed the debt without verifying 2 pieces of information. She then gave the Mini-Miranda and said that because I had an attitude she would not work with me to prevent credit reporting and that she would make sure the account was placed on my credit report. She then transferred me to a supervisor who was very rude about me asking my questions. When she said they wouldn't place the account on my credit report for 30 days I responded with " I know that would be illegal '' and she got snippy with " well when did you get your law degree ''. I work at a XXXX XXXX and am very aware of FDCPA and UDAAP. and it is in violation of UDAAP to tell me that because she did not like my attitude they would not extend the same courtesy to me as they would another consumer and to question where I got my information simply because I do not have a law degree.
I recently dealt with  XXXX   XXXX  removing information from all  XXXX  credit agencies which they followed however the sold my contrac t to Deville  asset management who are not bonded in the state of texas to collect debt so i ask that this be removed from all  XXXX  credit agencies as well or uf bonded and just not updated on the state of texas sec please send me copy.
Ive requested both verification and validation from the company and the send me a copy of the bill. I also checked and they are not licensed by the state of Ohio secretary to collect a debt in this state.
I am a victim of identity theft. My personal information was compromised and an inquiries were incurred in my name without my knowledge and approval. I sent my dispute to this company on XXXX with all the relevant information they needed to verify my claims but the funny thing is this fraudulent inquiries are still showing on my credit report way past the three days allowable days to delete/block this data. 

please delete this erroneous inquiry from my report asap : XXXX XXXX -- - PULLED LAST XX/XX/ XXXX : PLEASE NOTE the following tax liens have been withdrawn from court 2 weeks ago, there is no record of these liens any longer, please delete accordingly : STATE TAX LIEN ref # XXXX STATE TAX LIEN ref # XXXX STATE TAX LIEN ref # XXXX
This law firm, Stewart , Zlimen & Jungers , LTD, Ive never heard of representing a company, XXXX XXXX, Ive never heard of has sent a letter saying they are a debt collection company and a law firm and they stated that Ive teceny been served with the Statement of Claim and Summons.
My mother XXXX XXXX XXXX has a VA Loan the servicing was recently purchased by LoanCare. She has been making her payment to another company with a tax exemption. She is an XXXX XXXX XXXX XXXX widow. XXXX took over her loan that had a payment of XXXX monthly in XXXX. They recently sent her an escrow statement stating she has an escrow shortage of {$1100.00} and that they are raising her mortgage payment on XX/XX/2018 to {$1600.00}. She has sent the Exemption letter to their office and phoned them on several occasions with no solution. They keep telling her to send it to their Florida office that they do not handle it. I personally sent the Tax exemption letter to all 3 addresses listed on back of her payment letter. The only response she has received is this letter stating they are now raising her payment not reducing it. I have been advised to send a letter to them directly and carbon copy the CFPB on the letter to see if we can get a solution. My mother is old and lost her husband a few years back and does not need this stress.
Have been trying to access my accounts online since XXXX XXXX XXXX-XXXX-19. Its now after XXXX XXXX. Still can not pay bills- transfer funds or check credit card transactions. Called Wells FArgo. System failure. No kidding! Since when can a USA bank just keep your information from you and not allow you to make payments- transfer funds or conduct banking? Wells Fargo is the worst. have all my savings, checking and business accounts with them. Please help this consumer. 
Just learned that debit card transactions are being declined. Are my funds frozen?
date of bill recieved princable interest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX princ pymt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no pymt show and balance went up from XXXX to XXXX loan was for XXXX over 12 years XXXX a month i pay every month from wells fargo bill pay and it gets to them in a day or two lots of phone calls seems like no one know what XXXX saying and a differant persons name every month on the poc on the bill I am getting ripped off iam not a banker but know that these charges and process cant be right.
I attended XXXX XXXX University, XXXX XXXX and XXXX XXXX XXXX XXXX. Navient is the loan servicer for XXXX of my private loans ( # XXXX & # XXXX ). They are demanding a combined minimum payment of {$470.00}. My income is about {$24000.00}, per year. I can not afford that payment. I have called and talked to the people at Navient and they offer me no solutions, yet I know there are programs out there to help me make my payments. I want to pay, but need affordable payments. Navient is not interested in helping me. Instead they have trashed my credit report reporting me now as 4 months late, even though I keep trying to get their assistance.
I was informed that you could help me with some things that are on my credit. I reached out to the police and and also I was told to contact the FTC and I did. Can you please have these items taken off. These are the accounts that are not mine, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This company which I hold no contract with, nor have received services from, reported a collection account against my SSN in the amount of {$370.00}. I sent a certified letter asking for validation with a signed contract, and received no response. I filed a complaint with the CFPB on XX/XX/XXXX. JH portfolio responded on XX/XX/XXXX. However, they still did not show adequate proof of validation. They sent me a bill. According to FCRA that is not proper validation. Proper validation, I requested was a signed contract. Considering this business has not provided proper validation, Im not obligated to pay the alleged debt.
In recent weeks and last night I received disturbing calls from men relative to SLS : XX/XX/XXXX the first identified himself as XXXX XXXX with TN XXXX XXXX said he was from SLS and had me confirm my address and loan number. 
XXXX threatened me with legal actions such as foreclosure and said he was turning over " my case '' to SLS legal dept. He mentioned a payment of $ 900+, he said I owed him. When I asked to call him back, I did so but got his voice mail and then he called me back immediately and continued his threats. 
Since I had been spending hours of time on the phone with SLS through out the month of XX/XX/XXXX with insurance escrow problems ; ( see XXXX-XXXX ) I thought this call was maybe legit. 
I immediately reported this complaint to SLS and I got the run around with four different SLS departments. The reps said it wasn't their problem and that their department didnt handle fraudulent calls and they finally gave me their " Executive Services number XXXX XXXX. Then ... Last night XXXX, a man named XXXX called from SLS Executive SVCS. 
XXXX would not identify his company! I got angry as I could see it was SLS and and he hung up on me! He would NOT say he was from SLS but I could see the XXXX ID on my cell phone. He demanded I identify myself but I would not as he had called me!
A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor XXXX XXXX XXXX XXXX'. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.
I have contacted Equifax seral times within the last three months about some incorrect reporting XXXX. They keep saying that XXXX XXXX is reporting this information. This is not true. XXXX is reporting these XXXX accounts with the correct balances. They sent me a credit report dated XX/XX/XXXX2015-XXXXreporting balance XXXX is incorrect-the balance is XXXX XXXX XXXX reporting XXXX is incorrectly-the balance is XXXX.
This information is on my Credit report. XXXX Docket # XXXX File Date XXXX Released date XXXX Amount {$530.00}. This is all the information that I have, I know nothing about this debt and would like it removed from my Credit Report. I do not have any documents regarding this because I have not lived in Indiana since 2010. I have nothing with this information regarding this debt. I have searched Indiana State wide data base, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This information is not in any of their systems.
Prior to making some overseas trips, I consulted the chase.com website to determine if my credit card had foreign transaction fees. 

I logged into the secure section of the website to ensure I was accessing my information, and under my credit card account, under the things you can do area, the first item was view my card benefits. When clicking on that, I was taken to a page ( I have the screen shots taken afterward ) that clearly states that there were no foreign transaction fees. 

After using this card for purchases on my trips, I was charged secure transaction fees totaling about {$40.00} US Dollars. I have two other cards that also do n't have these fees that I could easily have used. 

I have since been working directly with Chase, via their secure message system, to reverse these charges. They refuse to acknowledge that their website directs me to this page ( which i have screenshots that it does ) and they claim that the agreement I signed calls for these fees. I asked for a copy of my agreement - they said they do n't have it because I filled out my application online. I have all of these messages. 

I asked for a payoff balance so that I could close the card and they refused to provide it. I have these messages as well. 

I would like help in forcing them to close my account, and ideally, to refund these foreign transaction fees, that they are falsely advertising on this card. 

Despite this, after several secure message exchanges with Chase, they res with Chase