WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX contacts me, via phone, through my place of employment in an attempt to collect a debt. I 've asked ( verbally ) for them not to, yet still they call. 

They do not need to contact me at work when I have a working home phone and XXXX mobile phones. They know those numbers because they have left several voicemails. This is unacceptable.
I had an equity loan through XXXX XXXX XXXX. Instead of renewing the equity loan, I elected to turn it in to a conventional mortgage loan instrument, at a fixed rate. Experian is still reporting it as a revolving account, instead of a real estate item, on their online website, which is erroneous. Numerous communications with Experian agents have failed to rectify the problem, with them insisting that it is a revolving item, since it is an active line of credit. XXXX XXXX cancelled that line of credit when I elected not to renew the original equity product.
I was forced to apply for Care Credit which is a service provided by XXXX XXXX. XXXX XXXX forced me to apply for this credit and I was approved. I was harassed to charge up the card to the limit once the card came in. Little to my knowing the XXXX  agency had already contacted XXXX XXXX and charged up XXXX dollars to the card without my permission or knowing.
My credit reports are showing that my Walmart store credit card, issued by XXXX XXXX, was charged off in XX/XX/XXXX. This is an old account that was actually charged off in XX/XX/XXXX and this inaccurate date caused my credit score to drop because it looks like I have a recent delinquency when, in fact, I do not.
I have been receiving calls from Portfolio Recovery trying to recover a debt to XXXX 's. While I had a XXXX 's credit card, the account was paid in full and closed over a year ago. All information XXXX XXXX provided to me ( my addresses I have lived, date account was opened and used, and the balance owed ) was all wrong. When I told him that was not my account, he then said he could mail me a dispute form. However, he could not tell me my address, which again I reiterated it clearly was not for me. He said he would continue to call until I provided my address. He called from XXXX and provided the callback number of XXXX, which are different numbers than the corporate number posted online at XXXX. This debt is not mine, I do n't even have a XXXX 's account anymore, and I would like for this company to stop calling me.
As early as XXXX as well as multiple supporting documentation and escalation to the specialty dept. including XXXX, XXXX and most recent, XX/XX/2018, XX/XX/2018 and again XX/XX/2018. I have supplied supporting payment information as well as calling the Collection agency and hospital to no avail. I am able to provide proof of payment and want this information deleted immediately from my report. 

Equifax is the only agency that still reflects this information and it appears there is a black hole when sending supporting documentation. 

Thank you,
On XX/XX/XXXX at XXXX XXXX XXXX Bank of America in XXXX Texas, I was attempting to get {$100.00} from my checking account, but the door of the ATM did not give me any money. The door on the ATM that disburses cash continuously opened and closed, but never gave me the {$100.00}. I tried to contact the number listed on the ATM, but due to the XXXX holiday nobody answered the phone. 
On XX/XX/XXXX I noticed that {$100.00} was deducted from my account for the XX/XX/XXXX attempted transaction, so I drove to the XXXX XXXX XXXX  branch of Bank of America in XXXX. I informed the young man ( I did not get his name ) what transpired with the ATM and the fact that I never received any money. He informed me that the branch is unable to resolve a dispute with the ATM and that I should call the number listed on my receipt. 
About 10 minutes later I contacted the number listed ( XXXX ) on my receipt and waited approximately 15 minutes before an automated voice asked if I wanted to have someone call me back, and I replied yes. Around 30 minutes later I received a call from someone, but I missed the call. They left a message to call back at XXXX. I was unable to get connected at this number. 
At XXXX XXXX on XX/XX/XXXX I received a call from a representative of Bank of America and I explained what happened. She said I need to talk to a different department, so she transferred me. After approximately 10 minutes, the person who answered the phone stated that she was not the correct person to talk to about my situation, but I should talk to the ATM grievance or dispute department. I told her about the problem and how I had been transferred multiple times and nobody was helping me to get to the correct department. She said that she would make sure I would be transferred to the correct group. I waited and waited and waited on the phone, but nobody answered. After about 20 minutes of listening to music and the same voice message stating that they had high volume of calls, the phone went silent, but I was still connected. After 39 minutes of being on hold, I was so frustrated that I decided to hang up the phone and log into my mobile B of A account to see if there was an available online option to log my dispute. 
After going through numerous menus, especially the " Help Menu '' on the Bank of America mobile app, I never could find a place to explain my issue with the ATM and having {$100.00} deducted from my account. I decided to give up after 2 hours of dealing with this issue. 
OnXX/XX/XXXX I checked my account and it appears that the {$100.00} deduction has been rectified, although no one from Bank of America contacted me about this issue, nor did I receive a written explanation. 
At this day and age, with all of the technology that exist, an ATM machine that does n't have cash for a customer should shut down and a menu should pop up stating that the machine is out of order or something to that affect. 
I been a member with B of A for more than 10 years and I am extremely frustrated with this experience with Bank of America and my account will be closed soon.
Several years ago I had taken out a credit card through XXXX ( XXXX ). I fell on hard financial times and was unable to pay off the debt. I made payments of {$50.00} when I could but was still not enough and they sent it to collections. After XXXX other companies had the debt ( which I did not know about ) midland credit management picked up the debt. I 've attempted to work with them for the past month and have continuously spoke to a woman named XXXX. After realizing she was unwilling to help or answer any questions I had I requested to speak with her supervisor. A woman named XXXX ( who I believe is still XXXX/same voice ) begins telling me that they can no longer work with me because I have failed to make any attempt to solve the debt which is not true. I explained everything to her and nothing was said other than I can solve this debt today or I will be sued over this. They are rude and have tried bullying me for the last month. What do I do? 
I 've done some research on MCM and they are currently in a lawsuit for similar situation.
After many calls with this company, southern management systems, i was told to send in a dispute in writing which i did after they received the dispute they said they would only remove a couple of things from the move out bill when i asked them why, all they said was that the apartment company would only remove those, when i asked to speak to the apartment complex so i can understand why, they refused to give me any numbers and said all discussions must be through them but i have been hung up on by this company at least ten times. Managed to finally speak to a supervisor/manager who kind of helped out and said to re dispute the newest letter, which i did but now they are saying they did n't receive it, but thats not my fault i could n't send it registered/certified mail because the only address they will give me is a  XXXX   XXXX   XXXX      now they have reported me to the credit bureaus not only on my credit report but on my daughters as well.
This is a follow up with my complaint # XXXX, after almost 6 months of chasing US BANK prepaid service, only with help of CFPB, i recently got my new replacement gift card, its supposed to be {$100.00} per last agreement, when i checked the balance its only XXXX, i want the unexpected fee of {$5.00} credit back to my account, not only due to its US BANK 's issue ( not properly secure their gift card ), also took me almost 6 months time to get the issue solved.
American Express recently released a Statement that included a Purchase APR of 20.99 % where I was active in a promotional period. They claim that it was interest on a late fee but was labelled as a Purchase Interest Charge. I find this to be a deceptive practice and I do n't believe what they 're charging is actually manifested as appropriate.
The report lists Convergys as my current employer but I currently work for XXXX and a clinical research company name XXXX. Please update the information on my credit report.
Capital One- I'm sending documents on my accounts. I had paid off my accounts on XX/XX/XXXX on cards # XXXX & XXXX. Card # XXXX had expired in XX/XX/XXXX so I cut it up and they sent a new card # XXXX which I never used. That account shows I have a balance of {$940.00}, and I don't know why if I paid the other account off. The account shows that they keep adding amount on it and a card # XXXX on my account was used in XXXX and XXXX at the same I was suppose to using # XXXX, and I was living in Oregon at that time. I would like to have the accounts balances XXXX  out on cards # XXXX & XXXX. The amount of {$940.00} was according to them was from XX/XX/XXXX so if it was paid off in XX/XX/XXXX why does it have a balance.
We refinanced our XXXX XXXX home with XXXX XXXX ( XXXX XXXX ) in XXXX, and shortly thereafter CitiMortgage apparently bought the loan. In XX/XX/XXXX, we attempted to get a HAMP mod and after paying XXXX payments, were rejected, after we complied with every request. CMI harassed us, ruined our credit, and as my wife and I did not agree about paying the balloon to becoming current again, we separated. 

CitiMortgage has admitted to many wrongdoings and paid XXXX of dollars in fines, but they have also been horrible to us, and completely gotten away with it, and we are fighting for justice, to repair our lives, stay in our homes, and help others do the same. 

In XX/XX/XXXX we fixed our marriage, stopped paying again, and filed suit in XXXX XXXX XXXX. After four years of fighting and paying our attorney over {$25000.00}, and approaching trial, CMI has agreed ( over email ) to a settlement. We do not like the terms, but as our attorney is extremely ill, and we do n't have the money to go to trial, we feel it may be our best option. However, CMI is now dragging their feet, and we are stressed and annoyed. 

We feel that the CFPB might be interested to know more, and potentially help us seal the deal, possibly with better terms. 

Thanks, XXXX and XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX
On XX/XX/2017 I went to USAA Financial service branch located in XXXX NC to make a deposit into my savings account. I used their owner operated ATM I believe it was # XXXX located outside of the front door depositing a check in the amount of {$10000.00} the ATM allowed the check to go all the way in the slot but did not seem to take hold of it. I was unable to retrieve it as there was not enough available to remove it so I used an envelope I had to push it in a little more, it then grabbed the check and the envelope moments latter spitting the envelope out. No check the transaction was cancelled by the ATM. I immediately contacted USAA finally after speaking to Deposit Executive Resolution Team was told they would put a rush on it and money would be placed in my account on hold. Today no money was in my account. I called today as was told it would take up to 72 business hours to resolve the issue. I told them this is not acceptable this is an ATM at their financial location owned by them a location they are planning to close at the end of the month and while I was sitting there on Sat other clients told me the other ATM were not working. So it seems they have made a conscious decision not to maintain these ATM 's and I am being punished for their poor maintenance and horrible customer service. the case # XXXX. I asked 4 times to have their security people contact me and have not heard from them I was told by XXXX today that they can not make phone calls??? What ever that means. I want them to preserve the video tapes and all the ATM records I also asked for written records of this claim and was refused I find that highly suspect. 
This issue should have been resolved this AM when the branch opened however I have been told they require 72 hours that is their process. More like abuse.
I spoke w ith 3 supervisors at Captial One,  on  XXXX / XXXX / 17  ; regarding an Annual Membership Fee of {$59.00} I was charged, on  XXXX / XXXX / 17 . My concern was this charge should not have been applied to my card and must be an error, reason being my credit cards with Capital One have all been upgraded and do n't have a membership fee associated with them. The supervisors would not assist me with the fee but rather told me the only way around this fee was to close the account. Or wait until there is an offer available to upgrade my card, to a card that does not have a membership fee. Capital One is forcing fees on consumers and trapping them in credit cards, knowing ; educated consumers will not irrationally close their credit card accounts without such actions affecting the ir credit score .
See my previous complaints. I had asked to move my due date to the XXXX. They said it could take 2 business cycles. I logged on today to see if there were any updates. Now they claim there is no record of it. 
See the chat below : YouXXXX XXXX and also i thought they were changing the due date Do you want to also change the due date on your account? 
YouXXXX XXXX yeah i applied last month XXXX XXXX I see that, currently your account status is Past Due, so you wo n't be eligible for changing the due date on your account. 
YouXXXX XXXX they alredy put it in YouXXXX XXXX didnt they?

XXXX XXXX I see that the current due date on your account is the XXXX of every month.

YouXXXX XXXX and nothing about the request I made in XXXX?

XXXX XXXX No
I paid off my loan with ally bank back in XXXX. I cancelled my XXXX insurance, and the dealer sent it to ally bank on XXXX XXXX, 2016. I called Ally bank customer service in the XXXX spoke to XXXX. She stated thearlier check was cashed on XXXX XXXX. First off, my loan was paid off. Ally had no reason to cash this check when the account was ahd has been paid off. Then she proceeded to say I have to wait 10 business days for that check to clear. Then, I have to wait an additional XXXX to 5 days to mail it. Meanwhile ally earns interest on my money. Ally stated they endorsed the check that had my name on it as well. Ally had no right to cash a check that did n't belong to them at all. I tried speaking to a supervisor but of course I was told XXXX to 72 hours before I would be able to talk with someone. My question is why would they cash my check when the balance is zero and then hold my check until 15 days? I 'm not really happy with them and cashing of my check they could have returned it or signed off on it and sent it to me to worry about a dealership check clearing. Not to mention checks clear now within XXXX to 2 business days due to check XXXX when that took place. Meanwhile, I 'm the one who is waiting for my check that I 'm entitled to especially when there is no Balance and my account was closed. Ally needs to be taught business practices and to stop this way of doing business .. I paid my car payments on time and I did n't make them wait to talk to me at any point. I 'm sick of these big companies taking advantage of us consumers.
I have had a very difficult time with XXXX XXXX XXXX. I have recently applied for a modification. I was denied after a 3 month attempt. I could never get a hold of my assigned rep XXXX XXXX. I would always have to resend the same documents over and over. Once I was finally in review after weeks of sending document I was declined. I was declined with the incorrect income. So after weeks of sending documents Rushmore reviewed me with the wrong income.
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX  and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
XXXX XXXX XXXX provided me no statements/bill in the mail. I had to make a payment over the phone witch they charged me a " express payment fee '' Then a month later I get a postcard that my account is past due I call them do find out the payment was not processed and they tell me I provided them in an incorrect account number. I asked them to confirm the account number they have one file that I provided them and they told me they are unable to do so. I pay a series of other bills from my XXXX XXXX account without issue. 

They are reporting a late payment on my credit report. This is lowering my credit ratting. My entire reason for getting a card from XXXX XXXX XXXX was to build my credit. I feel it was XXXX XXXX XXXX error in processing the payment not mine that has cased the payment to process late. They also should have noticed me sooner if there was an issue with payment
The XXXX XXXX XXXX XXXX is reporting to Experian and XXXX XXXX erroneous information they have submitted XXXX different versions of late payment now it shows charges off since XX/XX/2017 this account is included in a chapter XXXX bankruptcy and is still being paid this company is know for such actions my ss # is XXXX dob XXXX I want this removed from my report
I have contacted ERC ( Enhance Recovery Collection ) representing XXXX on 3 separate occasion by certified mail to provide validation of this debt with my actual signature on the documentation and they have not respond.
On XXXX XXXX I received a bill from a company called AssetRecovery Solutions, LLC that asked for me to settle an account for 70 % of what is owed. I have no knowledge of this account or of the balance due and this is the first time I have been contacted about it. I was never sent a bill from the original creditor listed which is XXXX XXXX XXXX and the tome of the letter looks like it is scam.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX
Regarding PayPal account holders. If you see a " hard inquiry '' showing on your credit report score by XXXX/PPC, it is PayPal. I was automatically applied for PayPal credit without consent.I never even considered applying nor did I see anything in writing warning me I was signing up. I have used PayPal ONLY to make purchases, when and ONLY when, I have the correct funds in my banking institution. Because of this " hard inquiry '' by PayPal, my credit score has dropped significantly which really makes me furious as I have worked very hard to be debt free and credit worthy. I will never use PayPal again and will use every opportunity to inform other people.
A XXXX account in my name that I closed in XXXX went delinquent in XXXX for unpaid cancellation fees. I learned about it when I checked my credit reports in XX/XX/XXXX and saw XXXX XXXX was reporting to the 3 credit reporting agencies an amount as delinquent and owed to XXXX. I had never received any correspondence from XXXX. I called them and was told that I could settle the collection by paying the past due XXXX amount in full to them - not XXXX. I paid the amount due immediately to XXXX XXXX in XX/XX/XXXX. A month later, the account was not showing as paid and closed on the 3 reporting agencies so I filed disputes with the 3 agencies. The account was corrected showing paid and closed with the credit agencies but the reports show an " opening date '' on XXXX and Experian for this delinquency as XX/XX/XXXX re-dating it by 4 years. I contacted XXXX again and asked them to correct the date of delinquency to show the original XXXX date or remove the " opening date '' of XX/XX/XXXX but they refused. I disputed the date issue with the 3 credit reporting agencies. XXXX corrected the inaccuracy by removing the item completely. Experian and XXXX responded that the incorrect information had been verified as correct by XXXX. XXXX XXXX states that they are reporting the date that they were given or " bought '' the account from XXXX. I contacted XXXX on XX/XX/XXXX and asked them to correct the date to the original date of delinquency or to ask XXXX to remove the information entirely because it is inaccurate. XXXX  responded on XX/XX/XXXX that they are not able to do that because they are not the company reporting the information even though it was originally a XXXX debt from XXXX. The incorrect re-dating of the delinquency showing as " opening date XX/XX/XXXX '' is causing my credit scores to decrease significantly due to the XXXX and Experian reports showing that the delinquency is " a recent '' delinquent account. Experian and XXXX have stated that I can not dispute the item again. By XXXX reporting an " opening date '' of XX/XX/XXXX and not the original date of delinquency of XXXX with the original creditor, XXXX, I am being harmed by not being able to get a mortgage because my mortgage FICO as well as the other FICO scores are based on this incorrect date/information.
XXXX and the early warning System are reporting derogatory information to XXXX Pertaining to frivilous debt that im not responsible for Im a victim of fraud and identity theft since XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the Perpertrators. XXXX XXXX WAS AUDITED IN XX/XX/XXXX BY THE Irs tax examiner for claiming fauld dependenr deductions. They also opened a checking account A Business Account with XXXX and a XXXX acct with XXXX XXXX bank then had me investigated by consumerinfo Credit collection Agencies are reporting incorrect information about my income Residential Address and XXXX XXXX XXXX is displaying incorrect information about my nane and sex. The division of the general service administration is reporting derogatory information about me. I was convicted of a crime but my civil liberties are restored. I am discriminated against in XXXX XXXX by federal entities because the assused me of a frivelous homicide which i would have been proven innocent if i had of appealed to the united states of nevada supreme court. Every since i came back to las vegas ive experienced nothing but casualties and theft of identity and fraud and more retaliation by the state of Nevada parol Commissioners. I am the owner of XXXX XXXX I was Audited in XX/XX/XXXX By XXXX XXXX Of The XXXX for over payment of funds
I made a formal request to XXXX, XXXX, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX XXXX XXXX XXXX XXXX summary provided by XXXX XXXX XXXX XXXX. XXXX, XXXX, and Transunion are still reporting inaccurate, misleading, and outdated information for this account on my credit file.