WillisBack/dataset-financial-user-claim huggingface dataset:
I have had several auto loans with Bank of America, all paid on time and in good standing using their eBill auto-payment functionality. In XXXX of 2016, I logged into the BofA website and added an additional bank account to my profile that may be used for bill payment. I kept the original account on file, as this was tied to the auto-payment. Apparently, the addition of the bank account caused a failure in the XXXX auto-payment. I noticed on XXXX XXXX that the funds hand not been withdrawn from my account and logged in and manually paid the outstanding amount for XXXX and XXXX. The website shows the payments were accepted and the funds were withdrawn from my bank account. Between XXXX XXXX and XXXX XXXX I received 21 auto dialed calls. On none of which were messages left, nor was any email or mail sent to inform me of my late status. The calls were automatically blocked by the built in XXXX XXXX XXXX call protection service as spam/scam calls. I 'm filing this complaint because they are clearly harassing myself and others. When I noticed the number in my call protection logs, I called them on XXXX XXXX and they stated they did not show my payment as being applied, even though the funds were already taken out of my account. I was told the calls would continue until the payment was posted. I do n't think it should be possible to take someone 's funds and continue to harass the borrower. I have a credit score of XXXX and have never missed a payment with BofA until their technical failure caused XXXX 's issue. I remedied the situation within 30 days and did n't even request or receive credit for the late fees applied. Clearly, their automated processes lack oversight, timeliness, and reliability. This type of irresponsible harassment should not be something borrowers should have to experience.
This is in regards to a dispute for {$700.00} with the merchant " XXXX XXXX XXXX '' on my Chase Freedom Unlimited card. I brought my dog in to this merchant for XXXX XXXX and, ultimately, this merchant was negligent and caused my dog to get a 106 degree deadly fever. Full verification from a licensed and practicing veterinarian can be found with the documentation attached to this complaint. A full explanation regarding this incident can also be found within the attached documentation included with this complaint.
I sent Experian a letter on XX/XX/XXXX, asking them to correct five mistakes on my credit report. They have not responded yet. They are supposed to respond within 30 days.
I have been recently monitoring my credit report, and found an agency called XXXX XXXX I have never heard of this company nor did I do business with them. I called  XX/XX/XXXX and spoke with a representative asking how did this agency obtain my information that is now on my credit report. She asked me for my phone number in which I presented the agent the number but she could not find me according to my phone number. I refuse to give some unknown agency my personal information which can be used to damage my reputation. I did not receive anything in the mail granting this agency access to my medical history. I did not receive anything in the mail claiming that I owed this allege debt. this agency is asking for a total of XXXX which they say I owe. this agency has been on my credit report since XX/XX/XXXX of this year, when in fact, I had no derogatory remarks or ever using any services. XXXX had a breach that affected millions of consumers and since then agencies such as the one above have been getting my personal information without my consent.
Their is a new company trying to collect a debt I do n't owe after I file a complaint on the old company I believe they are switching names and locations to not get caught. Please have the account remove my credit please. Acct # XXXX {$74.00} and # XXXX {$710.00}
On XX/XX/XXXX, I requested a copy of my report. I noticed a collection from Medical Business Bureau for {$250.00}. On XX/XX/XXXX I submitted a request for debt validation as I have no recollection of doing business with them or the original creditor, XXXX XXXX XXXX. I waited 30 days for the validation and after not receiving the requested documents, I submitted another letter on XX/XX/XXXX. As  of XX/XX/XXXX, I have not received the requested documents from Medical Business Bureau.
It's fraud the inaccurate 's on my credit report which are the hard and soft inquires the which are due to my mentally XXXX adult son had applied for loans and credit cards using my social security number associated with my XXXX, XXXX, XXXX credit scores and credit reports my mentally XXXX adult son and the mental XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own that XXXX why I haven't pursued criminal charges or law enforcement presents in the fraud situation
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. XXXX
I have told Experian more than once that there is incorrect information regarding my credit report. There are addresses and numbers on my report that I have know knowledge of as well as debts that I have no knowledge of. Under the Fair Credit Reporting Act, it is Experians job to make sure all information is correct and reported accurately. Their refusal to send me their investigation information from their last investigation clearly states that they never even attempted an investigation and that is against the law. You have 25 days left to have your investigation in my mailbox and to have my lawyer say that your investigation is up to standard or I will file a lawsuit in court to remeve the fraudulent information and for damages you have done to my company and my ability to make a living. I am done playing your stupid and illegal games.
I have submitted a debt VALIDATION letter to XXXX XXXX XXXX and it's original creditor XXXX/XXXX  on XX/XX/2018. In the letter ( attached ) i asked to have the debt VALIDATED by showing proof of agreement with a bearing signature and proper documentation that allowed them to report negatively on my credit file. XXXX XXXX XXXX AND XXXX both responded with a bill instead of actual proof of this account being owed by myself. XXXX XXXX XXXX is reporting to my XXXX and XXXX is reporting to all 3 of the credit bureaus ( XXXX, XXXX, and XXXX ). So i am taking two hits on XXXX by the same debt. This derogatory and offensive account is critically hurting my credit score and has caused several denials with banks. Neither XXXX XXXX XXXX or XXXX can properly VALIDATE this debt being valid and i would like this negative reporting removed from my credit file.
I have a hard pull inquiry for XXXX. I 've never had an account with XXXX XXXX nor have I ever applied for service with this company. I have contacted Experian about it a few different times and XXXX and they wo n't take it off my report, and basically are just sending me back and forward between each company with no results. Nor has either provided me with their invesitagation findings, which let 's me know it has n't been investigated at all. This is bringing my score down and is n't fair to me.
I have a company that is contacting me over and over again. They contacted me and obtained financial information from me. After this, I searched their phone number and found they are a scam company. They proceeded to contact a family member this morning and left a voicemail on their phone. They need to stop contacting me and my family members. The phone number is XXXX. They have a F rating with the BBB and they are not accredited. 

Jonathan C. Frank & Associates PLLC XXXX XXXX XXXX XXXX, TX XXXX They have numerous open complaints about their " law firm ''. 

BBB Rating : XXXX XXXX XXXXXXXX Complaints about them being a scam : XXXX XXXX XXXXXXXX
I 'm a victim of identity thef some took my info and opened up accounts in my name and I call the credit bureau so they can investigat which they did, but for some reason Equifax credit bureau is not removing that collection off my report. The name of the company is XXXX XXXX.
XXXX XXXX XXXX is an account that was originally opened in XXXX of XXXX, was then sent to a collection agency named XXXX and eventually paid off in full in XX/XX/XXXX. I had printed a credit report in XX/XX/XXXX to get the status of when the items, XXXX XXXX and XXXX XXXX, would be removed from my equifax credit report and it was noted that it will be removed in XXXX of XXXX. I recently inquired to a credit bureau representative about late payments to another account that should be removed and upon confirming the removal of XXXX XXXX and XXXX XXXX from my XXXX credit report in XXXX of XXXX, I was informed that the date was changed to a time in XX/XX/XXXX without any legitimate reason. I am disputing the fact that I should n't have to wait an extra XXXX years to have items removed from my XXXX credit report when its was verbally expressed and stated on my equifax credit report that the items were going to be removed in XXXX of XXXX. I have the original copy of my XXXX credit report if it is needed to confirm my dispute
No reason any Collection Agency should contact me. THis seems to be a scam. Company calls me everyday. They use different numbers. Want me to call another number. Claim they are ERC. want info to collect a debt. I can not help them, see my reasons below. They give a Ref number XXXX. I have a credit rating of 834 + with 2 of the credit Bureaus. I have Zero late payments on my credit record with any of the 3 Credit Bureaus in over 30 years and more. Phone numbers they use to call me on are ( XXXX, XX/XX/2019 XXXX ; XX/XX/2019, and XX/XX/XXXX, XXXX, at XXXX. I have never received any debt letters from anyone. I blocked these calls but they show up in my voice mail. This is my 2nd complaint with you to no avail. 

I have no documents as I am paid up on any credit cards. My Identity was stolen by the XXXX years ago via Federal Govt. I now have ID protection given to me free from the Federal Govt. I can provide a copy of their investagation report on my good credit with ZERO late payments, ZERO collections, ZERO bankruptcys. 

I have NEVER received a statement from this company. I do not have an account with this company. Thus provided their Ref number in the account box. 2nd Complaint and they never contacted me via email on prior complaint.
I made arrangements to have any debts paid with Money Recovery Nationwide. They are continuing to put collections on my credit report without verifying my debt. Or sending a letter that my debt will be sent to collections. 
They will not do a pay to delete They will not notify that your debt is up for collections until it is posted on your credit report.
I have lodged disputes with 21st Mortgage, XXXX XXXX XXXX and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Capital One Auto Loans makes collection calls on Auto Loan accounts prior to the due date. I have become a new auto loan customer within the last month and have been getting collection calls requesting payment prior to the due date. There has been no delinquency. This has been going on every day for the last two weeks. I understand from reading other customer complaints that this seems to be not isolated to my account but done to multiple accounts. I believe this practice is not lawful.
I was the victim of grand larceny by false pretenses ( DA XXXX Country Criminal Complaint #  XXXX XXXX XXXX, Chief of Criminal Complaint Unit XXXX ). On XX/XX/XXXX I transferred {$9000.00} - all the money I have - from my Chase Bank account in XXXX XXXX, California to a Chase Bank account in XXXX County, New York. I realized it was a scam and called Chase Fraud Division at XXXX XXXX  EST XX/XX/XXXX, when the funds were in the beneficiaries account but had not been withdrawn. ( Chase Fraud Prevention Department XXXX XXXX x XXXX Case No XXXX. ) I have been in daily contact with XXXX and they have told me daily the recall is in process but they needed to contact the beneficiaries on the account to ask them to send back the funds to me. Legally this was the procedure they had to follow. 

Today, on XX/XX/XXXX, I called Chase Fraud Department and was told that the beneficiary had contacted XXXX on XX/XX/XXXX, after 10 days of Chase leaving messages and sending demand letters for them ( a female and a male are account holders ) to contact the bank. She apparently told them that she would think about authorizing the funds to be returned to me. Then the male holder of the account called back to say they would not authorize the return of funds. I am now assuming, even with all evidence of fraud, that Chase is releasing the funds to these people who are under criminal investigation. 

Chase claimed that they are no exceptions to this rule that the funds can only be returned with permission of the account beneficiary. However, there are exceptions when a wire transfer can be reversed, in the event of a fraud or erroneous wire transfer, and provided the money on the recipient side has not been disbursed. This money was not disbursed before Chase was made fully aware that this was fraud. I called Chase Fraud Investigation Dept on XX/XX/XXXX before the recipients has a chance to remove the money. They have known this is a case of fraud for 10 days. On the day XX/XX/XXXX that the beneficiaries made contact with the bank, so did XXXX County DAs Office contact Chase Fraud Division and inform them they were starting an investigation and subpoenaed the account holders bank statements for the past 6 months. 

Chase writes that In this case, both the banks would have to agree that the transaction was a fraudulent ( or in error ) and it will be reversed, minus any charges, etc. that may have occurred on the transaction network ( e.g. XXXX, etc. ).

Chase IS the only bank involved, had plenty of evidence this was fraud, and yet it has released the funds. They have supported and abetted a fraudulent action and chosen to do NOTHING to help, me a Chase customer and victim of a scam which has resulted in me losing every penny I have. I am a single mother with a daughter at college and this is financially devastating.
Hi, I have an issue with my bank again. This time will be the last because Im going to close bank account with Bank of America. I again have been charged overdraft fee of {$35.00} for scheduled payment of {$27.00} to my XXXX credit card. The payment was scheduled for XX/XX/XXXX ( when I had plenty of money on my account to cover this payment ) and they withdrew overdraft fee today XX/XX/XXXX. In the past Bank of America could charge me overdraft fee because on the day of scheduled payment I didnt have enough money to make scheduled payment even if I deposit money next day after scheduled payment and the payment would be withdrawn the day when I have enough money Bank of America still was charging me fee. So the explanation they had is that they dont care the day you scheduled you had not enough funds so doesnt matter that you deposited after and the day payment if withdrawn there was funds enough to cover payment. That was their principle. Now theyre trying to go opposite and convince me that doesnt matter that I had enough funds when I scheduled payment. Once my balance became negative ( yesterday ), negative few cents, not even one dollar, thats the moment they cought to charge me overdraft fee of {$35.00} that is bigger that a payment of {$27.00}. Its ridiculous. Of course I called and tried to solve it but respond is very tough and not helpful in any way. They are trained very well not to help with overdraft fee. I absolutely sure that this time Im changing my bank. They charge me {$25.00} every month for maintenance if I dont have XXXX but there are other banks that dont require this much to maintain my account with no fee charge so its already enough for me to be not very happy. But with this overdraft fee with and without good reasons Im more than fed up
I have a XXXX XXXX World Elite XXXX through Barclay Bank. 

I discovered today my credit line on this account had been decreased from a limit of {$4000.00} to a limit of {$2300.00}. 

When I called Barclay to inquire why this happened, I was given the run-around, by an associate named XXXX, and told that my credit reports were " pulled '' and my " balance to ratio limits were high. '' I have no idea what the associate was referring to. However, I was recently notified by the major credit reporting agencies that my information may have been exposed on the Internet during the recent data breaches. As of today, I have no knowledge of anything negative or adverse on my credit reports as a results of the data breach or any other reason. 

XXXX was unable to help me, but told me I needed to contact XXXX XXXX at ( XXXX ) XXXX. The problem is, there is a recording when you call this number, which hangs up on you. 

Additionally, I find it appalling this company had the audacity to reduce my credit line. I have been a PERFECT customer to them! I have never missed a payment or made a late payment -- in fact, I usually make my payments early. 

I have excellent credit. I own my home " free and clear. '' I 'm a XXXX XXXX, I make well over {$200000.00} a year in salary, which I presume, more than qualifies me for the small credit line of {$4000.00} I was originally offered ... 

In any event, my relationship with Barclay has been flawless. There is absolutely no just cause for this decision and I feel it was completely arbitrary and unfair. I have been a great customer with a flawless payment history. I have done nothing which warranted this action against me. I feel my credit line should be increased, not lowered!
I have contacted Experian on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.
Only HALF of the amount I paid to Sallie Mae through my OnlIne Bill Payment Service through my bank was actually credited to my loan. Prior to this incident, I had no problem with the FULL amount of my payment being credited to my loan. 

XX/XX/XXXX - {$25.00} paid and deducted from my checking account, only {$12.00} credited to my loan XX/XX/XXXX - {$37.00} paid and deducted from my checking account, only {$18.00} credited to my loan
We have a business checking accou nt in Chase.  A wire of  XXXX  dollars was sent to ou r Chase acc ount back to  XXXX   XXXX . We only get credit of  XXXX  dollars. Th en Chase ch arge us  XXXX  dollars wire fee from this  XXXX . So  XXXX  dollars was gone before wire came in our account.   Has been talking wit h Chase for 5 months. Chase  refused to provide information about how this charge occurred and how it was calculated? No answer why it is not on the service charge list if it is  Chase took th e money.   By back and forth betwee n Chase a nd the  XXXX  bank,  Chase a dmits that the wire came  in Chase  in  XXXX  dollars, and they deduct  XXXX  dollars before credit my account. But they refused to provide information about why this  XXXX  dollars be charged before coming in my account.   Since the  XXXX  dollars was deducted before it came in our account, it is different with they charge from our account as the fee we knew  XXXX  dollars.   How could someone took our money without our authorization?
I purchased a new vehicle from a dealer and paid it off before there was a debt created for the vehicle. Now the finance company continues to state there is an open account when I submitted evidence to them and the credit bureaus that the payoff was made and only XXXX has acknowledge that there is no debt. Experian continues to report the debt even though they have admitted that the lender has not produces a contract to them validating a debt. XXXX has yet to respond to the matter.
On XX/XX/, I settled an old debt for less than the full amount. I was told, in writing, that the account would be settled for that amount. Today, I received a notice that there was a change on my credit report. Instead of it saying the account had settled in full ( for less than the entire amount ), they simply lowered the balance. I have called the office multiple times over the past few days and have a hard time reaching anyone. I have been calling because I have a court date with them scheduled for this Tuesday ( XX/XX/XXXX ), and it doesn't  appear they have informed the court we have settled. When I finally reached someone earlier this week, they told me they were sending a letter to the court that afternoon. However, I spoke with the court this morning, and they informed me that the date has not been cancelled yet. I feel like the company has been very disingenuous during this entire process when I am simply trying to move past a difficult period in my life. 

I am attaching a copy of the settlement letter, a copy of my proof of payment of the agreed upon settlement amount, and a copy of the screenshot showing the updated credit reporting information as of this morning.
Hi there, I have spent about five hours trying to resolve an issue that was Amex 's error, and I hope someone can help. I was trying to pick a hotel for my upcoming trip to XXXX the other night. I browsed a number of different hotels via Amex 's travel portal, and eventually decided on one. I filled out the purchase information, and had my boyfriend review the reservation with me. We then placed the order, and on the confirmation page, Amex reported that it had just booked us a reservation at a different hotel than the one we had selected -- one that we had looked at in our search, but decided not to use. This reservation was also marked as non-refundable. We called Amex immediately to correct this mistake on Amex 's part, and were on the phone with them for over 45 minutes. They eventually informed us that it was up to the hotel as to whether or not we could cancel our reservation, and furthermore, that the hotel was currently closed -- we should call back in 2 hours. Since it was nearly XXXX XXXX at this point, I decided to call back the next morning. I did so, and after a long call with Amex, they attempted to call the hotel 's reservation desk and cancel again. This was unsuccessful, and Amex recommended that I call back again at midnight in my local time. I did this, making this the third call to Amex to resolve this particular issue. After another 45-minute call, I was informed that the hotel 's reservation desk was closed again, and was advised to call Amex back at XXXX XXXX in my local time again. This began to become frustrating. I ca n't keep calling Amex to ask them to ask the hotel to cancel a reservation that I never asked for in the first place. I would like Amex to deal with this, cancel the reservation that I never requested, and refund the charge to my account. I understand that the hotel has a no-refund policy, which we noted when we chose *not* to select this hotel in the first place. Since Amex 's website was in error, we would appreciate not being charged for this mistake. Thank you, XXXX XXXX XXXXXXXXXXXX XXXX