WillisBack/dataset-financial-user-claim huggingface dataset:
I had used SunTrust for years, but when I moved to a new apartment they were unwilling to process the fund transfers needed to pay my rent. So I called in during XXXX and when I realized they wouldnt do it, I decided to switch the bulk of my banking to XXXX, who would. When I called in to cancel my other accounts ( credit card ), I asked the agent what was necessary to keep my checking account open without fees ( in case I needed to cash a check or deposit cash in person ). She told me I just needed to have {$100.00} deposited each month via direct deposit XXXX bucks ( {$50.00} keeps getting autocorrected ) biweekly into the account. Each month this would put {$50.00} into the account, and for two months each year it would be {$150.00}, thus meeting their requirements. Since then I have gotten two {$10.00} maintenance fees. During XXXX, everything played out as planned, but one XX/XX/XXXX I received a maintenance charge of {$10.00}. I called and had it reversed, assuming it was a mistake. My balance was actually higher in XXXX due to the {$50.00} deposits and other deposits from my HSA. The reversal was credited on the XXXX. I noticed that I received another XXXXdollar charge on XXXX XXXX ( sorry, {$10.00} keeps autocorrecting and deleting this ). Ive called and nobody at SunTrust can explain it or provide an answer on what would prevent this charge.
I sent this company  2 lett ers asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with  XXXX  and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.
I have XXXX issues with Ally financial. First, I turned a a XXXX vehicle XX/XX/2015 and they finally sold the vehicle XX/XX/2015. They are now looking to me for a shortfall that they helped create by letting the car sit in their possession without any activity. I am told be several XXXX salesmen that the company makes a practice of this - letting cars sit, allowing for further depreciation and creating a larger shortfall than necessary - then they go after the lessees for the self-created shortfall. Additionally, Ally is calling my cellphone XXXX times a day without leaving a message. I think that is harassment.
Midwest Recovery Systems out of Oklahoma, has contacted me by phone numerous times trying to collect a debt from XX/XX/XXXX for a payday loan I supposedly took out from XXXX XXXX XXXX I have asked Midwest Recovery each time they have called to provide a written statement with the debt information to be mailed to my current address. They refuse, argue, threaten litigation, and then finally hang up on me when I don't pay the debt over the phone. It happened again today, XX/XX/XXXX. 

Earlier today, I called the number they left on my voicemail and spoke to their representative, XXXX. XXXX XXXX. After she hung up on me, I looked up Midwest Recovery Systems on the web and found numerous complaints and scam notices against them. I then called the CFPB and received instructions for filing this complaint. After speaking with the CFPB representative, I tried to call Midwest back, and now can not get an answer. 

Midwest Recovery Systems seems to have very shady business practices, and too many scam alerts against them for me to ever pay them money over the phone. Especially when they do not provide any proof of my debt. They also use threats of legal action against me to try and get me to pay them over the phone. 

They have called me at least 3 times in this manor over the last 6 months. I'm not even sure I actually owe this debt, and now Midwest Recovery has reported it negatively on my credit reports. How can they do that, when they refuse repeated requests by me to provide written proof?
I totaled my car and notified VW Credit on XX/XX/2018. They promised a XXXX day response and it is now past that time. They now say it might be sometime next week. Each day they delay it is costing me interest. This is with VW Credit
XXXX have taken my student loan account which is in a deferred status, and good standing and is showing it in a bad reporting status XXXX deducted 88 points off my credit score and as of yesterday XX/XX/19 another 58 points for the same factor which should reflect a deferred status because Im still a student   in school, I have tried to ration with this company but its the worse reporting agency within all three, please have them correct my account which should reflect deferred and in good standing and restore my points back which is 146 points that was removed.
I was buying a car on XXXX for XXXX, and the suppose owner was to ship yhe car though XXXX XXXX.I sent the money thru moneygram to a XXXX XXXX in XXXX, XXXX, and the moneygram was diverted to XXXX XXXX, without my promission.XXXX did not vet the ad, as it was a total scam, and they knew it, due to the fact that in their bylaws they with XXXX.XXXX is part of XXXX, and XXXX XXXX says that in order for XXXX to take responsibility for car, it can only be listed on XXXX XXXX site.XXXX had the responsibility to flag the post, and Ifeel that they were in on the scam, because they still have cars on XXXX XXXX site that are scam cars.I hope you can help me, to shut them down, because according to websites, they are many people that has been victims of such a fraud
This debt is not mine, and it was originally removed from account and placed back onto my account. Please remove this from my credit report immediately. 

XXXX XXXX XXXX orginally removed from my account and placed back onto my account through a collection
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 
(XXXX) 3XXXX XXXX 

THIS COMPANY IS NOT APPROVED BY THE BBB.., IT STARTED OF XXXX XXXX,2017 FOR $XXXX INTO MY DEBIT LAST FRIDAY.  THEY ARE WELL KNOWN FOR A 280% INTEREST.., I FILED A BBB ON SUNDAY.  THEY THINK THEY CAN HELP THEMSELVES WITH THE AMOUNT OF MONEY REMOVED EVERY MONTH.., THEY WILL NOT BE HELPING THEMSELVES WITH ABOVE. ON MONDAY OF THIS WEEK, I HAD TO CALL, LOAN# XXXX. CUSTOMER#XXXX.
I RECOMMEND LOOKING THEIR BBB.ORG WEBSITE.

THEY WANTED TITLE OF CAR AS COLLATERAL WHICH THEY DID NOT RECEIVE.

YESTERDAY, I RECEIVED A CALL THAT WERE OFFERING LOANS. ESSENTIALLY THIS A RIPOFF.

RESPECTFULLY, XXXX XXXX XXXX
I cancelled my services in XXXX of 2015 for credit monitoring services. Transunion and XXXX are both still charging my accounts for " member services ''. I have asked both companies multiple times to cancel the accounts cease billing to my account. When I give either of them my credit card info they say they have " no active account on file associated with the credit card number or my social security number. '' They insist I give them the credit card number " associated with the account ''. I I have contacted my bank to resolve and they do n't have the old card information and I can only dispute transactions from the last 60 days. I have since the account was opened with there credit bureaus have definitely lost a couple cards and XXXX was involved in the XXXX breach. 
This lasts at time I called Transunion today at XXXX, I was transferred to supervisor XXXX who refused to help me with transactions saying they have no active account on file so there should n't be charges from them. I repeatedly offered her to email or fax the evidence of the charges from my bank statement and she refused them. She told me I could fax them but, they would n't be able to help me without the account number. I told her someone has take responsibility for the charges, by bank does n't have the old card information that was closed and they have overdrawn my account several times. She said they ca n't help and refused to take any information and redirected me to my bank ... which I called again and they still do n't have the card info.. i have gone round and round between that bank and these XXXX agencies. I cancelled my accounts in XXXX and I am still being charged. No will help me and I am loosing money because of these charges. Someone please help me.
In XXXX Citi said that I was behind in my payments. I was current. Citi refused to accept my money. I was presured to enter into a HAMP, in order to keep my home. I gave Citi XXXX dollars and agreeded to pay {$1800.00}. per month until the XXXX dollars was paid to Citi. I paid XXXX dollars and lost my parttime job and could no longer pay the blood money. Witch was in unapplied for 5 years. When I inquired about the money, they used it for bogus charges and absorbed all of the funds. Last year in XXXX I tried to fix this henderious mistake, with XXXX XXXX XXXX. I am in a home owner modification that went from 2 % to 3 % and my mortage actually dropped to XXXX dollars, Just recently in it peaked to XXXX dollars with an added amount of {$87.00} dollars for an appraisal of property that did not have all of the paper work. Why am I paying for an appraisal before being accepted in the program? Citi is very fraudlent.
I previously sent a dispute letter to the credit bureaus regarding the late payments on my account with Great Lakes. They were verified in which I agreed with and they annotated my credit report as being in dispute. I then sent them a letter by fax on XXXX XXXX which after me calling they received, that I was no longer disputing the account and to remove the dispute. The lady over the phone assured me that the dispute comment would be removed from my credit report. I am currently working with a mortgage broker to get approved for a home and this keeps holding me back from getting approved. Is n't this a violation of the Fair Credit Reporting Act if they fail to remove the dispute comment after I specifically told them it was no longer in dispute? 

I also looked at my credit report and noticed that the updated my account as being XXXX past due as of XXXX XXXX when this account was closed on XXXX XXXX. This dropped my credit score about XXXX points because it shows I was recently late which is not true. How can they get away with this?
I had a lease with a friend of mine and he defaulted on his half of the lease so i paid for him but then they put a XXXX collection on my report and have not been able to show me a breakdown for how it got to be so high. We left the place clean so they could rent it out and i paid for my roommate.
I had an auto loan with regional acceptance corporation. The account was charged off and included in my bankruptcy. However the account is now 7 years old as reported my first late being XXXX 2009. After several attempts you contacted regional acceptance. I received a reply that they would remove four months of reporting charge off after my bankruptcy was filed. However I was then told that my first late on this account does n't count towards the seven years because I then became current before becoming late again. I am only allowed to speak with there bankruptcy department when I call and was told do what I need to do they were n't updating my credit report. I received a letter from XXXX XXXX. The bankruptcy department states she does n't work in bankruptcy or credit reporting so they do n't know why she sent me a letter. This account is over 7 years old and by law is to be taken off of my credit report. Everytime I call I am directed to bankruptcy department. That is all I am able to speak with and they tell me to do what I have to do.
I was looking to establish a credit line ( through XXXX XXXX ) online for the purchase of a new cell phone. I was notified after electronically applying, that " additional information '' was going to be needed to properly process my application. " Barclays Credit Card '' requested that I send them photo copies ( both sides ) of my Drivers License AND my Social Security Card.. I have a " XXXX '' credit score across all three reporting bureaus. Although I'm personally offended ( considering my credit worthiness ) I also believe some type of " scam '' is somehow in place if Operator License info and both sides of a Social Security Card are being requested - especially in today 's day and age, with all the attempts at ID fraud etc.. PLEASE look into this!!!
On XX/XX/XXXX I called Chase card services XXXX about some fraud charges seen on my account online, the amount was for {$130.00} and {$2.00} total of {$140.00} which was charged to my account on XX/XX/XXXX Account # ending in XXXX spoke to XXXX, then XXXX, was told to call fraud services # XXXX Forget who I spoke to, but give them the facts on my fraud charges on above amount, they said they would look into matter and give me confirmation on report, I was put back to talk to customer service on my account, I spoke to XXXX asked what would be my payoff as of today XX/XX/XXXX so I could pay off the balance and close my account ending in XXXX, she said the balance was {$480.00} and minus the fraud charges of {$140.00} I would pay {$340.00} which I did on that day and closed out my account on that card ending in XXXX, confirmation payment # XXXX I did not hear back from fraud report so I called XXXX on XX/XX/XXXX and spoke to XXXX, and he assured me that the fraud charges had been taken care of. OK. In XX/XX/XXXX. I received a bill in mail from Chase on my old account, since I closed out old account and paid off balance, they created a new account # ending in XXXX charging me for the exact amount of fraud charges of {$140.00} and added {$11.00} in interest charges which total {$150.00} So I call again on XX/XX/XXXX recovery dept. XXXX spoke to several people, did not get anywhere with no one, they said I was not charged for fraud charges, but I am getting billed for them!!! do the math!! I had to call back on XX/XX/XXXX spoke to XXXX, and XXXX and some supervisor lady, could not get it through their heads that the exact amount I was being billed for is the exact amount of fraud charges!!! I was told I had to pay the balance of {$150.00} was so XXXX of talking with them getting nowhere, that I paid the balance that day of {$150.00} from my checking account ending in # XXXX to avoid anymore interest charges and told them I would be filing a complaint!, I do not have any way of scanning all my documents for you to review, but could mail if needed, so please let me know, would like this to be resolved.
In XX/XX/XXXX, I filed for bankruptcy. I did not include my mortgage with XXXX XXXX because I was present at that time and the bankruptcy attorney advised that unless I chose, I did not have to include my home. I did not include my home yet continued to make payments on time. In XX/XX/XXXX, XXXX XXXX stated they would correct my credit as two payments were improperly placed into another fund instead of being applied to my mortgage. Before fixing the issue, they transferred me back to Freedom Mortgage as my servicer, inXX/XX/XXXX, while stating I was then past due. I submitted all documentation to XXXX XXXX, Freedom Mortgage and all credit reporting agencies in order to resolve this issue. 
It is now XX/XX/XXXX and I am still fighting to resolve this issue as my credit has plummeted and though XXXX XXXX has corrected the problem on their end, Freedom Mortgage is still reporting my mortgage delinquent. I have obtained attorneys and HUD, but have not received satisfactory services.
The debt was removed from my credit report on XXXX XXXX. ERC a company which i have never heard of took over the account with a start date of XX/XX/XXXX. I have never received a phone call, letter, or an email from them stating that they brought the account. my last payment on this account was in XX/XX/XXXX which would have been the last payment and the reason it was a " removed collection ''. i have a valid debt from a company that followed the debt collection procedure and i acknowledge it, but i have never heard of ERC and i wish this to be investigated. i have copies of my credit report and XXXX XXXX was the last company that handled this and the company that removed the collection.
I work for the XXXX. This collection agency is constantly calling my office phone as well as my work cellphone trying to contact a person that I have never heard from. I have explained this to them several times both in person and by leaving messages. The last time I spoke with someone there I again explained that there is nobody here by that name and to please remove both of the numbers from their call list and that these are XXXX business numbers. While explaining this to the agent she was giving me attitude and humming " mm-hmm '' and when I asked if she did n't believe me and told her I was going to file a complaint she hung up on me. The phone calls continue and every night when I come in to my office there are messages from this agency, sometimes 3 to 4 in one day.
On XXXX @ XXXX CST I received a call from XXXX XXXX who transferred me to a XXXX XXXX XXXX XXXX XXXX XXXX . Not sure of the exact spelling. I advised I needed to call him back after XXXX today. I called back at XXXX and asked for XXXX XXXX , another gentleman answered. XXXX XXXX then got on the line and explained I owed {$9600.00} for a Discover Card opened in XXXX and closed in XXXX. I stated I never had such card and advised him he was mistaken. After @ XXXX mins conversation he finally stated he recorded our call towards the end. I told him that was not legal and he should have advised this in the beginning. I asked for a Case # he never provided it. When XXXX XXXX initially called me she said she was calling on Case # XXXX. She did not state anything else and transferred the call. I never had a Discover card. XXXX XXXX also had personal information SS #, former and current residence addresses. Threatened to cease all bank accounts effective XXXX on XXXX. I again explained I would need to find an attorney to dispute the charges. XXXX XXXX became offensive and continued to state my accounts would be ceased effective Wed XXXX. My concern was his knowledge of information and his " collection methods '' I asked for written documentation to be mailed so I could validate the alleged debt, he clearly indicated he could not provide such, he was only here to collect the debt! This is unprofessional and uncalled for. I wanted to submit an official complaint for 1 ) a debt that was not mine 2 ) the methods used, 3 ) harassment on the phone 4 ) etc..
On XX/XX/XXXX a letter was sent to Chase Cardmember Services, XXXX XXXX XXXX XXXX XXXX, DE XXXX requesting a hard inquiry be removed from my credit file. Inaddition, the same inquiry was disputed with XXXX ( credit agency ). XX/XX/XXXX a response letter was received from XXXX XXXX XXXX ( Credit Bureau Specialist ) requesting additional information ( i.e. Credit Reporting Agency Name, Social Security Number, and Specific Inquiry Date ). XX/XX/XXXX a follow-up letter was received by Specialist XXXX stating the inquiry was valid. Neither Chase nor XXXX have provided any proof of validation from their investigations. XX/XX/XXXX, I contacted Chase bank by phone and spoke with a supervisor and a different Credit Specialist who stated no records of this inquiry was on file. However, my current credit file shows different. I 'm request the removal of the specific inquiry from my credit file.
I one day noticed my paychecks were smaller and called HR. Then found out that there was a garnishment for {$4000.00}. I NEVER received notification. I called the lawyer who was doing it and they said it was for a debt from a bank in which I closed my account back around XX/XX/XXXX-XX/XX/XXXX and withdrew all my savings of {$8000.00} and asked the teller if we were good and she said yes. The bank had went out of business not long after. I asked what the debt was for they said an old account of a little over {$1000.00} with the bank. I told the woman I closed my accounts when I was moving and remarrying so did not see how and they never notified me of the debt to try to set up a plan or prove it or even of a garnishment. They have taken well over $XXXX XXXX  already and still harass me. They also told me when I called them that they have another debt from a XXXX bank with an old boyfriend. I told them I never had a XXXX XXXX account. And not with him either. I called XXXX and they said they NEVER showed me having an account either or debt. I asked them for proof and they refused and are threatening to garnish it too. This law firm is taking {$4000.00} from me and never notified me or provided proof on a debt with no evidence or even tried to work with me and I am a single parent dealing with XXXX and XXXX and they are rude and always threatening. Plus we are talking over 13 years old and a bank that is long out of business. Please help
I was scammed on the internet by a skin care company, intending to order " free samples '' with a shipping fee. They sent XXXX products and charged my credit card nealy {$200.00}. When I realized that, I immediately returned the products unopened and unused with tracking numbers, etc as directed with all the appropriate numbers that the company required.. I disputed the charge with ATT Visa and they issued temporary credit to my account. Then they removed about half of the credit, believing the response from the disreputable company in spite of my furnishing them with documents proving that I had returned everything that I had received. I ended up paying ove {$100.00} for nothing due to the scamming by the disreputable beauty care company and ATT Visa 's poor handling of my dispute, I had been with ATT Visa for 23 years and had never filed any disputes. I have subsequently closed my account.
Calls all hours of the day from XXXX to XXXX from an unknown phone phone number asking for my bank account info. I asked her to call back on a line that I could connect to an actual company. She told me to call back with m bank info when i tried to explain I could not call back she called claiming to be whoever from a blocked line she told me the calls would increase and they have. Why would I give me card or bank info to someone I dont know. I am one payment behind and already caught it up they say they are calling 10 times a day to remind me. 
Told her last night I just made my payment I have had 8 calls already again today
So while visiting relatives in the XXXX XXXX area, I frequently stopped in at the CHASE XXXX   at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX # XXXX during the latter part of XXXX through XX/XX/XXXX & these BANK employees harassed me by calling the COPS on me without justification as I was just walking past the bank & not even entering it ... I then was introduced to XXXX XXXX who after he opened my account ASKED me why DO I MAKE ALL these purchases which IS NONE of HIS GOT XXXX business ... I then meet XXXX XXXX who gives me a XXXX form because the IRS has returned my FEDERAL TAX REFUND via MAIL instead of placing in the account I authorized through TURBO TAX..Then on XX/XX/XXXX after checking my account I see that it has BEEN CLOSED but NOT by me & I owe {$40.00} and as I go to approach the BANK I see POLICE so I call the CHIEF of Police in XXXX XXXX, Texas XXXX I XXXX from to alert them that these XXXX, TEXAS XXXX who had forced me physically on XX/XX/XXXX to get in their car & they took me to the HOSPITAL that somehow was In XXXX, TEXAS but I live in XXXX XXXX, XXXX & I was sedated with something and WOKE up at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ....