WillisBack/dataset-financial-user-claim huggingface dataset:
A representative by the name of XXXX XXXX, from Goldstein, Cruise and Smith LLC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX - Phone - XXXX called and left a threatening voicemail claiming that her company was going to file a complaint with the county court about a payday loan from XXXX XXXX loan services in Arizona that I took out in XXXX. I returned her call and informed her that this dent was included and discharged in my bankruptcy case I filed XXXX/XXXX/XXXX and was discharged XXXX/XXXX/XXXX. She then began to tell me that this did not matter and tried to collect on the debt anyway, threatening legal action. I told her I was going to file complaints and to not contact me anymore.
I purchase a XXXX XXXX XXXX XXXX from Yes Auto on XX/XX/XXXX by placing XXXX down and making payments on the rest. On XX/XX/XXXX they came and repo the vechile stating I defaulted on the first payment. The issue I have is I never know when my first payment was due or where to make the payment. I searched through my paperwork that I signed and couldnt find any of that information. 

On XX/XX/XXXX I contacted Yes Auto to firgure out if they had repo the car because it was not parked where so parked it when went to work. Thats when I was informed they had repo it because my payment was due on XX/XX/XXXX. I tried explainning I didnt know when the payment was due and it was a mishap. I was informed that I had signed the paperwork and it was in my contract. They told me it would be XXXX repo fees plus my car payment of XXXX. I then informed them that I wasnt going to pay all of that considering I just paid a XXXX down payment on XX/XX/XXXX and wasnt intentionally trying to not make payment I simply didnt know when it was due. 

When I got to lot to obtain my things I staff person came out and got in my personal space about the key. I explained I was getting my thing. He got confrontional with me and I then told him I had a right to get my stuff in peace. Once I obtain my property I got into the car I drove in and being to leave. Then the same guy that was confrontational came running and jumped into the front of my car trying to prevent from me leaving then another person came and jumped in front of my car as well on the other side. Both were banging on my car. The first guy then started banging hard on my car staring stop the XXXX XXXX XXXX! 

Due to his deposition earlier I did not feel comfortable dealing with him and I also wanted to speak with the person that sold me car to discuss this matter and talk about my XXXX I had paid two weeks prior. 

I was informed that they tried calling me but I never got any calls to my job or personal number. I had called my reference the day that Yes can stated my payment was due and reference 1 told me that reference 2 had informed them earlier in the week that they had received a call from the car lot stating to the affect that they werelooking for their car. 

The issue I have is I didnt have the vechile 30 days before they took it back and I would have been more than happy to pay reasonable late fee if in fact I missed a payment. I dont understand how they can repo a car two weeks after someone gives them a down payment. 

My other concern is of the staff members jumping in front of my car and cursing me and behaving in a threatening manner and also trying to hold me against my will at the lot over a key, that is not worth much compared to my XXXX I gave them for a down payment on a vechile I intended on having longer than 2 weeks.
On a recent review of my credit report, I discovered that the company XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. All 3 Credit Bureaus said the debt is verified and accurate but it is based on XXXX XXXX word without any physical evidence. They must produce the above or delete or entry from all 3 credit bureaus.
Good Morning I am submitting an Complaint that I have with Equifax, XXXX, and XXXX regarding XXXX  XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.
For the past 3 months I have received the WORST customer service ever from any financial institution that I have delt with. Dealing with XXXX XXXX XXXX from X/XX/17-XX/XX/2017. I was giving misleading information. Her customer service to me was tasteless, classless and very disgusting! Ive sent her over 10 emails not one Time has she replied back to my emails. She had me pulling information that wasnt apart of the issue I was having. I felt racially descrimated when I met with her in person and after that we spoke on the phone several times. I was rudely cut off and her tone wasnt pleasant. I dont understand how someone with such a high position in a bank lack basic customer service skills. I was treated as if I was a criminal!! I will be taking legal matters. Anyone who banks with XXXX XXXX XXXX XXXX should leave before this happens to you! UNACCEPTABLE
After signing up for automatic payments with Ditech they coded several payments as principle only and did not apply them to our bill and now they are trying to charge us for late fees. I have called the company three times and they told me it is not my fault and they will take care of it but I just received a letter informing me they are trying to collect a debt. I do not owe them anything as all my payments were made on time through their automatic payment plan.
I saw a negative mark on my credit report from FOCUSED RECOVERY SOLUTIONS. XXXX  XXXX lists XXXX XXXX HOSPITAL as the original creditor. The amount owed according to the hospital is {$62.00} and no bill was ever sent to substantiate the debt. I called the hospital and they sent a statement which is attached. How can I remove the derogatory mark on my credit? It has lowered my score for a year. Please help me resolve this situation.
I am resending this complaint due to the fact that some of the data provided was invalid and incorrect of my payments. I made my last payment and received no refunded check from this bank for the payment. I was not told at the store that I had 30 day period to close this card I was neither given documentation. I mainly closed the card because I was unable to use it at other stores which also was not told to me so its just false advertising and marketing. I am reporting this again because I would like the documentation for all the claims reported because I have never received any refund check from the company. I actually paid more than {$76.00} that was shown in the closed complaint statement. I am looking towards taking it into further matters if I can not get proof or this problem resolved and removed from my credit report. 

Thanks
I am writing to dispute the following information that appears on my XXXX, XXXX  and XXXX  consumer report. SCA collections is reporting inaccurate data to these credit bureaus. I didn't receive a validation letter. I'm not familiar with this account. I have asked them to remove this account because its really bringing down my score. If its not remove/ deleted ASAP, I have no option but to sue this company.
XXXX  is refusing to remove a debt that is past the statute of limits. They briefly removed it then quickly put it back on. I filed a complaint via mail with evidence from the collection company themselves and XXXX  just responded they were satisfied with the inquiry and the information was staying on, even though the collection company 's own documents are saying it's past statue.
My name is XXXX XXXX, I signed a contract for One Year with XXXX XXXX   XXXX dated XX/XX/XXXX. As I didn't know far how long my stay would be here at this rental home. I paid XXXX on regular basis without any fail, on XX/XX/XXXX ( After 18 months ) I called XXXX to discontinue my services as no longer required. I did clear my XX/XX/XXXX bill for {$34.00}. This transaction was confirmed by billing dept from XXXX. Now XXXX  illicitly passed my information to collection agencies even after discontinuation of service and paid final bill amount.

Accelerated Receivable Management Inc, PH : XXXX is approaching to collect a 'cancelled ' services bill. In mid-XXXX, I called XXXX billing and informed them about collection company whereas services were cancelled back in XX/XX/XXXX. They promised to make adjustments at their end. But collection company never stopped calling and still sending written notices and calls on daily basis. Now they have started to threaten, harassing and use abusive language over the phone and voice messages.

Accelerated Receivable Management Inc, MUST NOT use abusive language or use harassing words over the phone even when they were advised about cancelled services. XXXX XXXX XXXX ( billing ) has no right to bill and approach collection company for a cancelled service. Now theyre claiming my contract was for FIVE years, ( totally weird, false and malefied statement ) Who can sign a contract once you even do NOT have a lease for over a year? Their claim is totally false and baseless so must be asked to quit. They have spoiled my credit for endorsing a false and baseless claim.
Experian has been asked to remove a total of XXXX collection accounts that can not be verified by them per section 609 of the FCRA. These are medical bills that are violating HIPAA. The company that is reporting these accounts are XXXX and I have reached out to them by phone and they do not have physical proof that links these accounts to me. They can not produce physical documentation but yet Experian his saying they have investigated and the reporting meets the requirements under the FCRA. This is incorrect. Experian 's feeble attempt to continue to report this information against me is against the law and they need to be fined or sanctioned for such behavior. I have written them and sent letters to them via certified mail. They drag their feet and say they need more ID information even though I sent them a notarized copy of my DL and SS Card and then they continue to stall on what they are supposed to do. I am demanding that if they have physical proof on file showing their right to report the accounts from XXXX against me then send it to me. The documents need to show my signature, they can not send them because they do not have them. I am demanding that Experian REMOVE these items immediately and stop playing games. If a law is in place that protects me against frivolous postings on my report then why are they not following the law? They are making things very difficult because they will not provide proof of their right to report. They simply say the company verified. But when I call XXXX and ask for the original documentation they tell me they do not have it and do not need it. Really? Then how can you say that what you are reporting is accurate, complete and verifiable. I demand these items be removed IMMEDIATELY
Dear Consumer Financial Protection, I had a {$10000.00} secure credit card with Wells Fargo. They keep my funds to use as collateral. However, I do not receive any interest from them for them keeping this {$10000.00}. What I am surprise at is that when I make payments it does not being applied to the old transactions first WHICH I AM BEING CHARGED INTEREST ON even though they are holding {$10000.00} which I collect no interest from but on top of that payments I made are being apply to most recent transactions which accrue less interest. I have paid over {$450.00} in interest at least and get no interest from the collateral they hold which is a double whammy.
A company called MBA Law Offices/ XXXX placed an unknown collection on my credit report. I Received an alert on the credit monitoring system that my score decreased 43 points for a new account. I have received no notification via mail or phone from this company. I have no knowledge of any past due debts.
US Bank XXXX XXXX XXXX Visa -- Bait and Switch advertising to get people sign up for the credit card. I was promised a free night with every reward booking, but the month after I signed up for the card and paid the annual fee, they took the benefit away.
COMPLAINT TO CONSUMER This complain is against PORTFOLIO SERVICING due refusal to disclosed information regarding the supposed Investors of the fraudulent Mortgage Account # XXXX, Property : XXXX Fl XXXX. Select Portfolio Servicing falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : SELECT PORFOLIO SERVICING XXXX, UT XXXX Ref. : Select Portfolio Servicing Acc # XXXX Property : XXXX Fl XXXX NOTICE TO DISCLOSE INVESTORS INFORMATION The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request Select Portfolio Servicing, Inc., to produce/disclose the following information : 1. Release Name and Headquarter Address of the supposed Investor of the Mortgage Acc # XXXX. 
2. Release XXXX BANK, XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX on XX/XX/XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX. to XXXX or any other institution, previous of the purported one recorded on XXXX by crooked and disbarred lawyer XXXX and XXXX. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

XXXX, Fl XXXX XXXX
This debt is reported in my credit report and I had no knowledge of it. It does not belong to me.
I am a XXXX Veteran. On XXXX XXXX, XXXX I had Total XXXX to repair an issue I 've had since I was XXXX to XXXX in XXXX. Before my XXXX, I contact Ally Financial to work out an arrangement so that I would not go delinquent on my car loan. I was not given any options to prevent this from happening. As I was unable to work and I had to wait for the VA to approve my Temporary total XXXX for my XXXX, I was unable to make a payment. I contacted them again once I was able to make a payment and was then able to make a payment arrangement, however, because of Ally 's unwillingness to help before that point, my credit score took a XXXX point hit. I am in the process of trying to purchase a house and with this late and the hit to my score, I am unable to use my VA loan.
I have been with Capital One credit card since about 2012. Due to my financial hardship at XXXX point, I got behind with my payments. I never stop paying and at the moment my account with Capital One is current. Due to being late a few times in the past Capital One restricted my account, so I 'm not able to use the credit card. I 'm okay with not being able to use the credit card again, but I requested a due date change from the XXXX of each month to the XXXX of each month. The reason for the due date change request is because my employer changed my pay period from the XXXX and XXXX to the XXXX and XXXX of each month. My payment with Capital One is due on the XXXX of each month, so because of my new pay periods it makes if financially difficult to make my payment on time with Capital One. I explained to representatives at Capital One the reason for my due date change request and was told nothing they can do since the account is on restricted status. As I mention before I have been paying on time and my intentions are to pay the remaining balance by the end of the year. A due date change will help my achieve that goal, so again I 'm not upset that the account was restricted, just need help from Capital One with a due date change.
Capital One closed my credit card account, took my security deposit and applied it on the balance, then I paid the entire balance is full of about {$36.00} and they still have me owing a balance of {$3.00} and some change. I paid the statement balance is full and they aren't getting any additional money out of me. The like to defraud customers into paying off a balance but then apply additional fees that's not even associated with the balance that's been paid off in full
Bank of America refuse to offer me the {$1000.00} sign on promotion of my business checking account. 

On XXXX XXXX, XXXX, I opened my business checking account XXXX in their branch located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The business banker, XXXX XXXX, applied the {$1000.00} promotion ( open business checking plus business credit card ) on my account and applied business credit card for me. XXXX XXXX told me that opening the business checking account and the business credit card account will qualify me for the {$1000.00} promotion. Usually the promotion will show up in my bank account about 5 months. 

I have not got my {$1000.00} promotion till now. Bank of America told me that my promotion was denied because I did not complete the spending requirement of my business credit card. The banker, XXXX XXXX, never told me this requirement. I sent her several emails, ask for explanation. She never reply my email. I went to her branch several times, she avoided to meet me. I got her cell phone number in her branch. I called her several times and left her several voice message. She never get back to me. 

I called the Bank of America Customer Service center for help on XXXX XXXX, XXXX. One supervisor told me the only thing they can do is forward this to the local branch manager. I should get a telephone call from the local branch manager in 2 days for a solution. 2 days later, no one called me. I called the Bank of America Customer Service center for explanation. They told me the local branch manager need 2 more days to handle this. I should get a telephone call in the next 2 days. By till now, I did not get any telephone call yet. 

I am a loyal customer of Bank of America for more than 10 years now. I have several personal accounts and XXXX brokerage accounts with them for many years. I keep more than {$15000.00} in my business checking account and did many transactions. Now they play games with me, refuse to give me the {$1000.00} promotion and I can not get the explanation from the local banker. 

I am very angry and want to file a complaint. 

I want Bank of America offer me the {$1000.00} sign on bonus for my business checking account.
Last weekend I went to visit my wife and child in VA. While I was there I rented a car. The rental company put a " hold '' on {$100.00} in my bank account. I had the car from late Friday night ( XXXX ) until early Monday morning ( XXXX ). Over the weekend I used my debit card several times for smaller items, most under {$10.00}. On Monday when I returned the car, the company put all the money back in the account except for {$37.00}. On Monday and the Tuesday following, I was hit with several overdraft charges even though when the charges came through there was money in the bank to cover the purchases. In total I was hit with XXXX overdraft charges totaling {$280.00} even though when the bills hit my account there was money in my account to cover the debits. 
The bank 's justification for charging me the overdrafts was that at the moment the card was ran the money was n't in the account. 
My question is how is it legal for the bank to charge overdrafts on me when there is money in the account when the debit comes in? I just want to be clear, there was no check deposit or anything like that, it was just a release of money the car rental was not using back into my account.
I went in to deposit my healthcare checks they were less than a year old. I brought in vail paper work from my Healthcare company all the documents received. The rep called the customer service department and they without any explanation let me know that they were closing my account. I have been a chase customer for 5 years plus and they decided to close my account based on valid checks. I called my healthcare company they let me know that the checks were valid and they were very helpful in letting me know they were going to do a stop on those checks and send me a new check so I would not have any issue. Chase still didn't let me deposit or cash that check. I had to go to another bank and had no issue depositing my check. I have been a chase customer for over 5 years and it was a completely ridiculous situation I had to go through, I have done all my banking with chase.  Now I have an account in collections.
I initially received a graduate student loan through XXXX in XX/XX/XXXX. The loan was then sold to XXXX XXXX and then to Navient. During the Obama administration when the student forgiveness programs were being introduced, I inquired by phone as to whether my current loans were eligible for the program or if I needed to make changes since I was working for a non-profit. I was told on more than one occasion that I did not need to make any changes to my account and that they would be eligible for the forgiveness program provided that I continued to work for non-profits. I have worked for non-profits since XX/XX/XXXX. I began submitted the required documents from my previous employers in XX/XX/XXXX as I was preparing for a career change. At that time I was informed that my loans being serviced through Navient were not eligible for the repayment program. I contacted Navient and was again told that these loans were eligible for the program. I attempted to appeal the decision and was reached by phone where I was informed that these loans are not in fact eligible. I have since changed providers to XXXX, however, I have six years of work at XXXX that will not receive credit towards the student loan repayment programs.
I filed a complaint on XX/XX/2018 and it was closed on XX/XX/2018. I don't understand why my case is closed when the matter isn't resolved. Creditors Bureau Associates of Georgia claimed they have verify that I owed the amount, but refused to send me proof. 

I contacted XXXX County XXXX on XX/XX/2018 ( original creditor ) and they're not sure why Creditors Bureau Associates of Georgia is reporting that incorrect negative information to my credit file since they have already received payments for that bill. Also Creditors Bureau Associates of Georgia claimed they contacted me several times, that's another false information. I've called and write them, however I was unsuccessful. If and when they do contact me, I'd like them to leave a message so I can know that they called. Creditors Bureau Associates of Georgia is trying to collect funds for a bill that has already been paid. 

Attached are the following documents : Dispute Letter to Creditors Bureau Associates of Georgia, Response from Creditors Bureau Associates of Georgia, XXXX County XXXX bill, Check Payment to XXXX County XXXX, Notice of Payment to Creditors Bureau Associates of Georgia.