WillisBack/dataset-financial-user-claim huggingface dataset:
VERY BAD PEOPLE 'S PHONE XXXX CALLED XXXX/XXXX/XXXX TOOK {$850.00} FROM STATE FARM CREDIT CARD 1 THEY SAID ( XXXX ) THEY WERE GOING OUT OF BUSINESS WANTED TO REFUND TO ME MY MONEY {$400.00} 2 TOOK OVER MY COMPUTER TO GIVE FINAL CLEANING 3 NEXT WANTED CREDIT CARD INFO TO CREDIT ACCOUNT {$400.00} 4 THEY SAID CARD WOULD NOT TAKE HAD TO GO TO BANK ACCOUNT TO RETURN {$400.00}. 
5 WHILE WE WERE DOING THAT THE TOOK {$850.00} FROM MY STATE FARM ACCOUNT 6 IN THE MEANTIME THE SHOWED ME THAT THEY PUT INTO MY ACCOUNT ( BANK ACCOUNT {$600.00} ) THEN THEY TOLD ME TO GIVE THEM BACK {$500.00} SO THAT I COULD GET BACK MY {$400.00} I SAID NO JUST PUT EVERYTHING BACK AS IT WAS HE THEN TOOK ALL OF MY MONEY FROM ALL OF MY BANK ACCOUNTS AND THAT IF I WANTED IT BACK TO GO TO XXXX XXXX AND BUY {$400.00} WORTH OF GIFT CARDS I SAID NO HE THEN SAID I WAS A MOTHER XXXX AND THAT HE WAS KEEPING MY MONIES AND HE WAS TO FREEZE MY COMPUTER. I SAID DO WHAT YOU HAVE TO DO I HUNG UP AND UNPLUGGED MY COMPUTER. 

8 I CALLED STATE FARM CANCELLED MY CREDIT CARD 9 I FIGURED OUT THAT THE MONIES WENT THROUGH XXXX XXXX I THE CALLED XXXX XXXX THEY COULD NOT STOP THE TRANS ACTION BUT THEY GAVE ME A REFERENCE NUMBER ( CASE NO ) XXXX TO GIVE TO THE STATE POLICE AND STATE FARM. I DID SO. 

10 WHEN THE MONIES POSTED I CALLED STATE FARM TO MAKE A DISPUTE XXXX/XXXX/XXXX XXXX XXXX NUMBER IS XXXX # XXXX THERE TRANS ACTION NUMBER
capital one- XXXX I have received repeatedly phone calls all through the day ( robo ) recorded calls the name is XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  THERE WERE MORE PHONE CALLS THAT WAS CALLED REPEATEDLY I WOULD NOT HAVE ROOM TO LIST THEM ALL.
I would like to dispute a collection account with Enhanced Recovery Corporation. XXXX XXXX XXXX originally held a {$69.00} debt for me over 4 years ago. I disputed with XXXX XXXX XXXX and was told that they would resolve it, yet, sold said debt to ERC. I have disputed this debt through XXXX and had it removed in the past, but ERC keeps reporting it. I last disputed with XXXX this week and was given a statement saying that the debt was valid. XXXX did not provide any details of the debt being valid. Also, the debt XXXX is showing says it was started in XXXX of 2014 which is also incorrect. The debt was originated over 4 years ago.
I am slightly behind on a car payment to Wells Fargo Dealer Services. I am the owner of a business and I use the car primarily for the business. WFDS has been calling me at my business number and filling up a voice mail box that is used for sales & support and is checked by other people. Even though they do not disclose who they are, people can XXXX " Wells Fargo Dealer Services ''. It has undermined my business in that people are concerned they may not get paid and word has gotten around to several of my investors who may be looking to pull out.
I received a phone call this morning at XXXX regarding payment on our mortgage, which had already been made the previous day. I had advised a representative on XXXX/XXXX/16 of the payment and gave the confirmation number. I still received a phone call today at XXXX regarding this month 's payment.
On XX/XX/2018 at XXXX XXXX, I received a voicemail from a woman identifying herself as " XXXX '' from Quicken Loans, my mortgage lender. In her message she specifically identified herself as a " debt collector '' and said that she was attempting to collect on a debt and that any information I provided would be used to that end. She then advised me to call XXXX and choose option 3 to speak to a member of her team about this matter. At first I thought I was being phished, as Quicken Loans sent me an email just this week informing me that my mortgage payment for this month cleared on XX/XX/2018. However, when I retrieved my mortgage statement to contact the company directly, I noticed that the customer service number on the statement matched the one that was left on the voicemail. I called Quicken Loans this morning, XX/XX/2018 at approximately XXXX XXXX to clarify what this was about. I spoke with a representative named XXXX XXXX who informed me that although her records showed one of their staff had indeed called me yesterday, her records indicated that the purpose of the call was to get me to " provide feedback '' on my Quicken Loans experience which, up until now, had been extremely positive. She confirmed that my account is current and that there is nothing in her records indicating that I have ever missed or been late with a payment. I told XXXX that I did not approve of these deceptive practices regarding my finances and that I wanted to file a complaint. She asked if I wanted to have their researchers investigate the matter and I said yes, but said that unless they had recorded the original encounter then they would be wasting their time.
My wife and I have no debts other than monthly credit card bills that are always paid on time, in full. The last " debt '' I had was 20 years ago when I took out a short-term ( months ) bridge loan to buy a home. It was paid off ahead of time. 
I have been receiving repeated calls ( near daily ) from MRS Associates since XX/XX/XXXX. The first time I called them back they insisted on my revealing personal information that I refuse to provide to anyone I don't know and trust. The woman at MRS was pushy and hostile. She kept saying " Tell me your name ; you called us '' and I refused because they had my number and were claiming I had an unpaid debt. Today, XX/XX/XXXX, they left voicemail for the first time, telling me to call XXXX XXXX XXXX about a debt. I called to try to resolve this matter. Again I was asked for personal information I refuse to give under these circumstances. I said " Since you have my phone number and think I owe someone money, you should have all you need. Please tell me who you think I owe money to. '' She then referred to me by name, but I still refused to give up additional personal information. I said " Send me certified mail describing the debt you think I owe. '' She said " We have. '' I said " No you haven't. '' ( We've received absolutely nothing from MRS. ) She said " Yes we have. '' and then hung up on me. 
I'm suspecting and fearing identity theft here. ( My personal information has been stolen from a major university, XXXX and XXXX, among others. ) But I'm not going to give anyone, including MRS , additional information about myself over the phone under these circumstances. I'd like the calls to stop. And MRS needs to go back to their client and let them know they clearly don't know my correct address or spending habits, and most importantly, they don't have the right person. 
I'm feeling harassed.
My XXXX suggested I use Credit Care/Synchrony Financial for a couple of root canals since I could not afford it on my own. CC gave me a whole year to pay monthly at 0 % APR yet, then after that year the APR would increase to 26.99 % APR. Within that first year ( XX/XX/XXXX ) I paid {$1600.00}. But, when the year was over ( XX/XX/XXXX ) CC added back the amount I had paid along with the 26.99 % APR. I have never had that happen to me before with any other credit card, that when the promotional rate is over, your hard earned payments during that time are added back to the card! I talked to several customer service reps saying that this is how they handle all accounts if they have not paid in full during the promo time. I find this abusive to the consumer and unjust. I now have to not only pay the {$1600.00} all over again but with an additional 26.99 % APR. This is just downright consumer abuse.
I went to XXXX on a mini-vacation. While there, I attended XXXX and one night, I lost, or someone stole, my debit card and made purchases totaling {$2600.00} at various Walmarts and gas stations, the following morning. It took me a few days to realize the card was missing as I was using my XXXX XXXX. When I did, I filed XXXX claims with Bank of America, they are : # XXXX & # XXXX. XXXX is for a {$400.00} ATM withdrawal and the other is for {$2200.00} in bogus charges ( such as XXXX {$970.00} and XXXX {$290.00} charge at XXXX ). Bank of America has handled my claims extremely poorly. They at first refunded me the money and later on with no contact whatsoever they took it all back ( not once warning me that this was possible ), leaving me with $ -XXXX in my account. I have since been charged over XXXX in fees because of this. Since then, I have been trying to prove that I in NO way authorized these charges and that my debit card and cell phone had been taken and used without my consent. They have been extremely unhelpful and I question their integrity. I have been at BOA since 2013 and have been pretty consistent with my banking and ( almost always ) on time with my payments. If you try to fully understand the details of the situation and what occurred, as well as what I was thinking, and the circumstances surrounding the situation ( the timeline ), the non- legitimacy of the charges become apparent. The fact that as of now, I have lost all of my savings and owe {$500.00} ( plus my BOA credit card bill ), while having to pay my {$1000.00} on my XXXX bill, is very unfair. Talking about the specific charges, I went ahead and filed police reports. These are with the XXXX PD. For lost property, this includes the debit card and phone : XXXX and for CC Fraud : XXXX, this includes all fraudulent charges ( including {$400.00} ATM withdrawal ). Bank of America has twice denied my claim ... with no communication on their end as to why. They have not contacted the police and have done very little research on the charges or the facts. This is almost all of my money and it is extremely stressful and unfair. Please help put pressure on Bank of America. This is theft.
I am a Bank of America customer. On XX/XX/XXXX, I attempted to make a Bank of America credit card payment via using the online mobile app. The transaction typically is visible under account activity quickly. I did not see any evidence of the payment going through. I waited until the next day and checked my account activity again. I still did not see any evidence of the transaction. I thought maybe I made an error so I attempted to make the credit card payment again on XX/XX/XXXX via the online mobile app. Again, I did not see evidence of the transaction in my account history. I waited a while to see if the account activity would update indicting the transaction.Still no evidence. I then called Bank of America to assist ; as I did not want to be charged a late fee since the payment was not showing. I spoke with a customer service representative on XX/XX/XXXX and explained the difficulties I was experiencing. She stated that my checking account did not indicate any credit card payment for {$180.00} having occurred. I asked her to please double check because I did not want additional payments being withdrawn from my checking account to the credit card. She stated there were n't any but she would assist and take a payment by phone. The {$180.00} payment was then made by phone from checking to the credit card. I then reviewed my checking account via the mobile app on XX/XX/XXXX and saw that 3 separate payments for {$180.00} were withdrawn from my checking account on XX/XX/XXXX and XX/XX/XXXX, totaling {$540.00}. I attempted to call Bank of America to question and rectify the situation on XX/XX/XXXX but the office was closed. I called again on XX/XX/XXXX in the XXXX to have the problem rectified. I was on hold for 45 minutes. While I waited, my husband attempted calling from his phone. A customer service representative answered his call after being on hold for 5 minutes. I then explained the duplicate withdrawals from my checking to the agent. She stated she would connect me to the bill pay department and credit card department to rectify. I spoke with both departments. The credit card department said that they would refund the 2 additional payments to my checking account in 2-5 days. This is unacceptablea that my funds will not go into my account for 2-5 days. Additionally, they informed me that the system does not update on Sundays therefore the earliest I would be able to see if my funds were transferred back would be on Tuesday XX/XX/XXXX. Unacceptable - my money should be refunded sooner rather then later.
Since XXXX and until XXXX, I had been involved in a debt management plan with XXXX of XXXX for several credit cards. This program was completed successfully by me in XXXX. 

My consumer report displays delinquent account data for only one creditor ( XXXX ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only XXXX. 

I attempted to resolve this situation initially with the XXXX of XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with XXXX several times for an answer to no avail. Further complicating this issue regarding records, XXXX of XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time. 

I personally contacted XXXX to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions. 

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for XXXX, which has absolutely devastated my credit reports, and caused me severe financial harm. 

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.
For the past few years I have been paying interest on all of my loans, and this month is the first month that the loan payments are going into effect. Paying Sallie Mae has never been an issue, the issue is that I called for them to adjust my payments based on my income ( which is {$1200.00} every 2 weeks ). Well the associate pretty much took the average of my income and the amount of paychecks for the year and stated that I make {$2600.00} a month which is not true. There are only two months out of the year in which I get paid 3 times a month which is XX/XX/XXXX and XX/XX/XXXX so pretty much for the entire year I make {$2400.00} a month except for those two months. Anyway so after telling them how much I pay in bills each month the associate has it in her head that I would have {$600.00} remaining because she believes that I make {$2600.00} each month from this miscalculation ( so they pretty much took the amount from those XXXX additional paychecks that I would receive, divided it up and added that amount to my monthly income ) but in actuality I would only have {$400.00} a month remaining and they wanted to charge me {$340.00} a month for the loans which would leave me with {$57.00} in case of emergencies, oil changes or what ever else comes up during the month ... Then I discovered that I also have federal student loans that would go into effect as well and I wanted to include that amount in my monthly bills and they told me that they do n't include that because they want you to file for forbearance or deferment instead of lowering their payments. They know that paying federal student loans is a bill but since the government offers that option, they would rather get the customer in more debt than help them out of it. I feel as if somewhere this is against the law im sure because I thought that a person could not apply for this unless they truly needed it, this should not be an option for another company to advise their customers of so that they can get the most money possible out of the customer. So while speaking with the manager and explaining that I was trying to pay both the government and them, the guy told me to " shift '' my money around because they were doing me a favor and that I was lucky that they were even doing that. So at this point, I am paying them what I can.
We attended a very high pressure sales and " owner update '' in XXXX on XX/XX/XXXX at the XXXX XXXX XXXX sales office while staying at XXXX XXXX. I had suffered a XXXX XX/XX/XXXX, about six weeks before our sales presentation, after being XXXX XXXX XXXX XXXX XXXX  while I was walking in downtown XX/XX/XXXX. We repeatedly stated that we could not afford anything that would require a loan, and did not like the difficulty we encountered finding availability. Maintenance fees were rising faster than we expected. The salesman repeatedly assured us that if we took advantage of the promotion offered that day, we would not have to worry about any maintenance fees after the XXXX calendar year, thereby saving money over the long run. He said this promotion would have been offered to us had we participated in dinner meeting offers over the previous year. Both the salesman and his supervisor confirmed this special offer. We were told that we would no longer have to pay for annual maintenance fees, having qualified to participate in the special program that was not publicly available. The salesman illustrated in chart form on a paper how this program would save us money by trading in part of total our points each year. He said the remaining points would actually get " treated as double points. '' They both explained we would receive a phone call ( annually ) in XXXX right after our maintenance fee bill arrived and would be guided to trade in the proper number of points to write off the entire maintenance fees each year. In order to take advantage of the offer we opened up 2 credit cards ( in each of our names ) with Barclay to pay for the contracted points at 6 months no interest although only one of us actually had income at the time.
# 1 - {$16000.00} # 2 - {$6700.00} This past XX/XX/XXXX, when the call never came, we started contacting XXXX XXXX on XX/XX/XXXX to find out what happened to the special program, where we were told that no such program exists and it 's not in our contract so we are out of luck. We asked for a financial waiver again inXX/XX/XXXX due to medical expenses, but were refused a refund as they denied any bait and switch tactics, but we were told we could return our contracts for a fee to avoid future maintenance fees, but are still responsible for the $ 22,000+.
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Due to unexpected and ongoing medical bills over the last 2 years, we have had trouble making payments on this and other credit card loans and are desperately trying to maintain our good credit rating. We have been transferring the balances to other credit cards to maintain low interest, incurring fees each time we do so. We feel that the promises made by the salesman and his supervisor were misrepresentations, and by the time we confirmed that the program did not exist it was too late to get out of our contract.
I have XXXX collections from Pinnacle Credit services on all XXXX credit agencies. 

I have attempted since XXXX to get proof from Pinnacle that the debt is mine. 

They will not communicate with me but they keep validating it with the Credit Agencies. 

I have a perfect credit report but this is affecting me and my ability to grow my biz. 

Please help. 
Thank you, XXXX XXXX
Phone call received from XXXX at XXXX in XXXX/XXXX/2016 call was declined by me
I checked my credit repot to see that Florida XXXX XXXX says I owed a debt for a emergency room visit XXXX/XXXX/14. I presented insurance at the time of the vist and was told my insurance would be billed. After contacting the insurance company they stated that Florida XXXX XXXX was not paid due to the fact that there information was not updated with the insurance company. I then called Florida XXXX XXXX billing and notified them why they were not paid. A few days later I was contacted by florida XXXX saying that they updated the insurance company and would be paid by them. I asked to remove the inaccurate information regarding that I owed the debt and they refused. I stated that I was not notified of this debt formally and I request proof of any certified mail stating I accepted mail stating that I was in debt and they said that they have nothing proving the fact. I have contacted them demand verfication of this debt and have not received a response. I have contacted the major credit reporting agencies and disuted the debt and still I am awaiting a response. 

Florida XXXX XXXX violted the FCRA and reported inaccurate debt information on my credit report and now refuse to remove it after numerous attempts at resolving this issue. 

Due to there inability to provide accurate information the insurance company I was subject to a negative credit review and unfairly refused services.
I pulled a copy of my credit report on XX/XX/XXXX. Upon Review of my report, I saw that Transunion is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of {$220.00} that I do not owe. I sent a letter to Transunion on XX/XX/XXXX stating this this is being reported in error and asked for validation of this account. I received a copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/XXXX asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to and I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/XXXX and I received the same response. No proof, just a letter that stated as verified accurate. 

Despite three written requests, the unverified item listed above still remains on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal right under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$82.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. They have not responded and they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XX/XX/XXXX).