WillisBack/dataset-financial-user-claim huggingface dataset:
Something in the last 30 days has been changed regarding receiving XXXX through Chase Bank. They implemented a new automated procedure that disallows the recipient to 1. not receive a payment and 2. to choose what bank account will receive the payment. I would like the option to accept XXXX at my leisure AND at the same time have the option to choose which account the payment will be accepted ( as was prior to the last 30 days ). I have multiple accounts of which receive payments each month. In the past, I had the option to change the " default account '' to accept the payment into the chosen account. With the Chase Bank new set up in the past 30 days, this is NOT possible. The solution would be to have an onLine option to CANCEL the NEW automated feature so that those who need to cancel automated receipt of XXXX, that option would be available. I also can not believe that it is LEGAL to mandate that a recipient MUST receive electronically any payment. Makes no sense to mandate any recipient to receive funds. Please advise and thank you.
Hello, I recently decided to sell an item over ebay on PayPal and I also added funds to my PayPal account. Once I sold the item which was only a collectors edition video game my account was permanently limited because they apparently claimed they feel Im tied to another account.

After being told it would be fixed, I was told it wouldnt because Im considered a risk due to apparently sharing some sort of information with other acts that have negative balances which they couldnt go into detail about. They are planning on holding my {$510.00} hostage for 6 months saying I have a potential for possibly being disputed from my transaction. 

I dont u derstabd this practice of singling out people and claiming that they dont think theyre a bad individual but then in the same breath claiming that PayPal feels theyre a risk for simply selling an item that I bought at XXXX and decided to sell on XXXX. PayPal should be ashamed of themselves for doing this. I really would like my money now not 6 months down the road.
Why is this debt still reporting on all 3 credit bureaus???? Attach is your aid # and it still has not been removed? I talked to the bureaus and they stated that all you have to do is fax over the removal documentation?
checking annual credit reports. Equifax has a negative report ( of {$76.00} ) submitted by XXXX from XXXX. However, XXXX & XXXX do n't have this negative report. 
Went to website https : //www.ai.equifax.com to try to submit a dispute claim. However, the website *does not work*. ( using XXXX on a XXXX XXXX computer ) I 'm stuck & not sure what do to at this point.
My Bank of America credit card was always paid on time and paid in full yet the stated late payments and I settled with them which is false.
JA Cambece Law Firm/Collection Agency located in XXXX, XXXX employees some of the most unethical and dishonest people in the State of XXXX. Their employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. 

This issue occurred to me unfortunately due to a divorce. I had an XXXX card at one time many years ago. XXXX is now out of business. The XXXX company and I negotiated a debt cancellation well over 7 years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This JA Cambece " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ) in XXXX, XXXX. 

They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX.. Extremely laughable and criminal.. I 've filed for CH XXXX bankruptcy with the US Bankruptcy Court in XXXX, XXXX. 

In the meantime they have harassed my work and are now looking to garnish my wages on XXXX XXXX 2017 which will never, ever happen! I am police officer and this has threatened my employment and standing in the court which I work out of. I have to testify at the XXXX District Court constantly. If this company thinks they can steal my money which I have none they are in for a rude awakening. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this company and XXXX actions, a lawsuit will be forthcoming. A copy of this complaint is being sent to my Attorney XXXX in XXXX, XXXX for possible legal action against JA Cambece and XXXX. 

That original judgement was also made without notification or contact from anyone. They lie, cheat, scam and steal from most everyone. Its proven by the multiple law suits against these " law firms '' and " collection agencies. '' They need to stop scamming the american people. Do something about these companies! 

They purchase bad debts for pennies on the dollar, some of which are already settled with the original creditor. They get " canned '' affidavits from employees at these creditors that have no knowledge of the actual debt. They harass and sue without the persons knowledge and obtain default judgements because they never actually serve the person. I 'm not making this up. There are countless class action law suits against these companies. They continue though without interruption even after being found to be scamming the american people and breaking the law.
I am receiving repeated calls, voice messages, from " United Recovery Systems '' with the representative using the name " XXXX XXXX '' Calls come from XXXX and he wants me to return the call @ XXXX. 

I owe no one anything, have an XXXX FICO, my wife has an XXXX FICO ( Just checked on it ), and I want the calls to stop. I think he is just phishing. I think they are just robo calling and there is no underlying debt whatsoever. I am concerned that if I call back and attempt to talk to them I will reveal my real name and other info he currently does n't have -- nor should he. 

A quick XXXX Search of this company turns up many reports of abusive practices, including phishing. 

I wo n't return the call to him as I am quite certain he is engaged in some sort of shady ( Illegal ) practice. 

I just want the calls to stop.
There is a company that has had a collection on my credit file and I can not get them to reveal what the collection is for. As of yesterday they " updated '' the debt as to make it look like a new debt even though it 's been reported for a number of years now. I do n't feel their tactics are correct or ethical. I have been dealing with this issue since last year when I was in the process of getting a loan for a new house. The companies name is Syndicated Office Systems.
My accounts are currently included a chapter XXXX bankruptcy. Per my attorney 's advisement all of my accounts are currently and should be reflecting as such. my largest account is reflecting on my Transunion report as 120 days past due but current on my XXXX. Seeking to make correction to my Transunion report.
My wife had lost her debit card and had a pending service appointment at a hair salon XXXX XXXX, XXXX, NC XXXX. I called the salon and inquired if they accepted checks for payment because we needed to cancel the appointment, otherwise. I was told by the salon they would gladly accept our check for payment. When my wife completed the service and presented the check for payment it was rejected by Telecheck, record number XXXX. We called Telecheck at XXXX to ask why and were told under no circumstances would they accept the check for the merchant. The reason we were given is not that we have written bad checks, we have never had a check returned, but that they had insufficient history to approve the transaction. There is nothing posted conspicuously, nor disclosure from the merchant, that a consumer is required to obtain pre-approval with Telecheck to present a check for payment. Further, we had to go through the embarrassment of making other arrangements not because of negative history, but because of no history at all ( that happens when you do n't bounce checks XXXX. Let me ask, how am I supposed to establish a history with Telecheck if they wo n't approve check writing in the first place? How am I supposed to know I need pre-clearance with Telecheck if it is not disclosed as a requirement?
XXXX XXXX XXXX WHO IS A DEBT BUYER IS REPORTING A ALLEGED DEBT THAT I DO NOT OWE THEM, I HAVE NO CONTRACT EXIST THAT I OWED SUCH ALLEGED DEBT. THIS INACCURATE REPORTING IN MY CONSUMER CREDIT REPORT HAS HARMED AND DENIED ME FROM OBTAINING CREDIT AND PREFERRED RENTAL UNIT. 
XXXX XXXX XXXX works with its affiliate, XXXX XXXX XXXX ( XXXX ), to service accounts.
I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX  Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXX which is reflected on the payment history for the XX/XX/XXXX account by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days late. This is frustrating because both  accounts had combined payments through XXXX XXXX. Also, how can the months of XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. Thank you!.
I bank with JP morgan with Chase and for the have been charging me {$25.00} service fee for no reason. As you can see below, I had all the charges reversed by either making a trip to one of their location or by making a phone call. Each time I was told it was an linkage error and it would never happen again. In XXXX I wanted to be proactive and went to their location and spoke with a lady by the name XXXX XXXX. She told me everything looked fine and I should n't see any charge. As you can see below, I was charged for the 7th time on XXXX XXXX and I will go tomorrow and close the account and move my money to a different bank, but in the mean time, I think this is stealing and that 's why I decided tfile a complaint. 
Please see below. 
DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION
XXXX routinely tries to collect a debt past the 4-year statute of limitations. I receive emails and letters asking me to pay a balance that I am no longer liable for, and when I call them they tell me to pay. Then XXXX changed the last date of payment to reflect a more recent year to keep the debt on my credit report. I disputed it with the credit bureaus. This loan was taken out in 2010. This is fraudulent and illegal. It is way past the 4-year limit statute to collect allowed under California law.
I have had a mortgage loan with Nationstar for about 10 years and they are now Mr. Cooper advertising that nothing has change except our name. That is not true. 

I called Mr. Cooper as I had not received my XXXX XXXX from them for my taxes ( interest on my impound account which Nationstar always paid in the amount of about {$25.00}. ) This is the first time I had not received a XXXX. 

After 10 years of getting interest on my mortgage impound account from Nationstar now Mr. Cooper tells me that they no longer have to pay interest on impound accounts and they don't have to send XXXX to customers in California. 

This company services 3 million mortgage loans and if this is true and every loan averages $ XXXX/year interest on the impound account that they don't have to pay any longer that is a XXXX XXXX dollar windfall to XXXX XXXX each year and they are false advertising to say that nothing changed except the name. Bolgna.
My identity has been compromised inwhich lead to opened and closed accounts in my name. I have tried to remove these accounts before all to no prevail. However, after reviewing the language in the FCRA, it stated that when accusing a consumer of a debt that the consumer has the right to see physical documentation of which the debt is owed. In my dispute of the following accounts, I'm respectfully requesting physical documentation or the accounts shall be removed. I do not have no contract with these companies therefore I'm asking them to be removed. No contract, contract has been cancelled. The following accounts are, ( 1 ) XXXX XXXX XXXX, {$4200.00}, date XX/XX/XXXX ( 2 ) XXXX XXXX, {$3200.00}, date XX/XX/XXXX ( 3 ) XXXX XXXX XXXX, {$640.00}, date XX/XX/XXXX
XXXX, a Bankcorpsouth bank manager threaten to close my checking and savings accounts after I filed a complaint against one of her employees. The employee denied me services at the drive through. This same employee has bullied and mistreated me in the past. I stopped going to that location because of the mistreatment by this one employee. Instead, I went to other locations that are much farther to drive. I am a  XXXX Military Veteran and can not stand long or walk without severe pain. Since the drive through employee refuse to do two transactions I had to go inside the bank which is very difficult on my body ; getting in and out of the car, walking and standing for long periods and this is what I had to do because the drive through employee refuse me services. She knows I am a XXXX veteran. and I have a displayed XXXX decal.
This T-Mobile card was advertised with various benefits for T-Mobile wireless customers. However, they were unable to verify my identity as a T-Mobile wireless customer despite many attempts. I am not told which information does not match up. Just that the " system '' can not verify my identity and that I should check " Public records '' to make sure everything is correct. Then I am told that if I want a refund of the amount on the card, then I would have to pay a check-issue fee. Otherwise, I can use the card as a gift card ( as a non-T-Mobile wireless customer ) with various fees attached to the card.
Since 2017 I have sent numerous written requests to the credit agency TransUnion in the matter of two accounts that appear on my credit from XXXX XXXX XXXX. In which one they removed. I have requested debt validation of these companies listed on my credit report per Section 609 of the FCRA ... Section 609 of the Fair Credit Reporting Act ( FCRA ) refers to a consumer reporting agency 's obligation to disclose information to consumers upon request. Credit reporting agencies are required to make available all information in the consumer 's file, as well as the sources of the information on file. The information disclosed must also include the dates and original payees of all accounts. Further, Section 609 of the FCRA stipulates that consumer reporting agencies must clearly make consumers aware of their right to dispute information in their credit file. I have to this day received no validation, no proof of any contract or orally any agreement showing I owe a debt to this company. I have submitted proof that one of the amounts listed for {$500.00} was removed by TransUnion, but yet the {$1700.00} amount still appears on my TransUnion report. This is a clear and blatant violation of Section 609 because nothing has been provided to me despite the numerous times I have requested validation of this account from XXXX XXXX XXXX. I am humbly asking tis matter to please be investigated. As shown by removing the amount for {$500.00} shows I have no contract with this company or any oral agreement with this company I owe them none of the monies listed they say I owe, and no validation of these accounts were given to me as I have requested numerous times. I am humbly asking for an investigation into this matter. 


Thank You
It was brought to my attention that my credit report contains items went into collections that I did not know about when I applied for a credit card with my bank. The credit report was obtained from Transunion and I have subsequently obtained a copy from them. The credit report that matches my SIN turned out had a lot of mix-ups including : - name : the name does not match- address : address does not match. All the address in the history is in XXXX and I have never lived there. 
- employment history : none of the employment history is mine- items went into collections : not mine- credit card : not all of the credit card history is mineI phoned and disputed with Transunion and did not receive any confirmation. Here are the few things I want : - correct my credit report and credit score. I was denied credit because of this mix-up. 
- explain how the mix-up happened- take actions as a company to improve processes so no one else need to go through this again and we consumers can trust that credit information is protected.
Signed up for the AMEX Delta Gold Skymiles card with XXXX bonus sign up miles plastered all over the AMEX website by clicking " apply here '' right next to the promo. XXXX miles crossed out with a red mark on advertisement on AMEX website. Spent the XXXX in the first month. They awarded me XXXX miles. After escalating the issue they claim I didnt sign up for XXXX miles. And apparently NOBODY can show me proof of when the promo started and when I applied to show that the promotion was indeed in effect. Baiting, switching, and then insisting that a brand new customer is lying is not a good way to start off a relationship of loyalty. Especially when that customer is spending money.
I opened an XXXX credit card to pay for 4 new tires at the XXXX located at XXXX XXXX  XXXX XXXX, XXXX, LA XXXX. I did this on XX/XX/2018, agreeing to pay the initial balance of {$570.00}. Since then, I received no notice, statement, credit card or any information about how to pay this bill until I started receiving phone calls from Citibank saying the bill was past due. When I opened the credit card, I was told that a new card would be mailed to me and then I could use that card to open an account online. Since I never received the card, when Citibank called me I was unsure if this was a fraud phone call since I did not know who was servicing the XXXX credit card. That day, I asked for a mailed statement. I then asked about the address associated with the account and was told that the account was opened under then wrong address. I received my first statement about one week ago around XX/XX/XXXX. This statement had the account number on it but not the credit card information. Today I called the customer service number listed on the statement and Citibank employees then told me that I need to pay the late fees associated with the account. I am disputing the late fees since I had no way to access the account or the billing statement. 

I have still not received the physical credit card or any communication from XXXX. As such, I can not register to pay online with the website listed on my statement ( XXXX ) because I do not know the credit card number or security code and have no way to access that information. A citibank employee told me that I can not access that credit card number over the phone -- and falsely told me I can register for an account using my account number. I then tried to settle the initial balance online using the account number and was unable to do so. Please let me know if you would like a recording of this phone call. Again, I am disputing the late fees since I just received a billing statement 2 months after opening the account in person.
I have 12 or more inquiries with capital one bank. Ive reach out to capital one to resolve this matterbut I was told to contact XXXX, XXXX and XXXX to remove these inquiries that Im not aware of but all 3 credit bureaus told their not they can do XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 ) XX/XX/XXXX ( 3 )
I recently went to a car lot to get a auto loan. Six different companies ran my credit report one company ran it there times in two days. This all happen on XX/XX/XXXX - XX/XX/XXXX lenders Credit Union inquired on XX/XX/XXXX Ally Financial inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX ( 2nd inquire ) XXXX XXXX XXXX inquired on XX/XX/XXXX ( 3rd inquire ) XXXX inquired on XX/XX/XXXX all of these are hard inquiries on my XXXX credit report.. I made it very clear I wanted the auto loan to be financed through XXXX XXXX XXXX but I did not give permission for them to run my credit three different times
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize t elephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
This is an error. It does not belong to me. XXXX XXXX In Opened XXXX XXXX, 2016 It has already been removed from the other 2. I promise it does not belong to me.
I have been disputing for a while with the credit bureaus and XXXX XXXX XXXX and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of XXXX but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My XXXX and my Transunion credit files are still showing this account despite the multiple disputes.