WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing you to lodge a formal complaint to TD Bank regarding the sudden, unjustified closure of my TD Cash Rewards credit card account. 

When I opened the TD Cash Rewards XXXX credit card account on XXXX/XXXX/XXXX, there was a promotion attached to my account for " Earn 5 % cash rewards statement credit on eligible purchases with your TD Cash Rewards XXXX card. Eligible purchases include dining, groceries, gas and cable, phone and utility bill payments for the first XXXX months after account opening ''. Everything was fine for the first XXXX months. However, in the XXXX month, all grocery store purchases I made between XXXX only earned me 1 % cash rewards. I called TD bank to inquire about the missing rewards on XX/XX/XXXX and without any notice in advance my credit card account got cancelled on XX/XX/XXXX.
There is a collection account from XXXX XXXX XXXX on my credit repoorts for the original Creditor XXXX XXXX XXXX MED CTR. This bill was for my father of the same name, except he is XXXX and I am XXXX. His address was forwarded to my address when he passed so there has been a lot of confusion with his accounts being mine because of address and same name, etc. The account was in his social security number. I have asked for it to be removed from all my credit reports stating that it was not mine, and also with the credit collection company. They have not. I have also asked for documentation where they think it is mine and documents with my social security number. I have done this multiple times. They have failed to provide such information. I want it removed from my credit report immediately. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account information : Partial account number : XXXX or XXXX How appears on report - XXXX AND EXPERIAN COLLECTION AGENCY - XXXX XXXX XXXX XXXX XXXX ORIGINAL LENDER - XXXX XXXX XXXX Med Ctr XXXX XXXX XXXX Med. Ctr ORIGINAL BALANCE - {$3300.00} {$3300.00} CURRENT BALANCE - {$3300.00} {$3300.00} STATUS - Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department DATE ASSIGNED - XXXX XXXX, 2011 XXXX XXXX, 2011 ACCOUNT NUMBER - XXXX XXXX ACCOUNT HOLDER - Individual Individual DESCRIPTION - Account information disputed by consumer
I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified accounts from my credit report.
XXXX has claimed I owe them {$27.00} for XXXX years despite the PROOF of PAYMENT I sent them : canceled check and their ownPAID INVOICE for {$27.00}! 
They continue to insist I owe them and collection agencies are after me. 
How can I stop this harassment for a bill I already paid four years ago?
On Friday XXXX XXXX 2017 I received a letter dated XX/XX/17 from CBC Credit Services Inc Which stated that they new where I worked, and made some assumptions about my means to pay. The letter closes with a very thinly veiled threat about how this company will proceed. Fair Debt Collection ActAs amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 807 section 4
Capital One is showing a closed credit card account on my credit report. This was an account I was an authorized user on, had no liability and was removed as an authorized user over 2 years ago. Capital one says they are not reporting it on my credit report however that is incorrect. It shows account XXXX, date opened XX/XX/XXXX, updated XX/XX/XXXX, credit limit {$1400.00}, monthly payment {$39.00}, terms revolving, responsibility terminated. I want this tradeline removed as it is affecting my credit score.
I 've been victim of credit card fraud and identity theft. I call Citi about my credit card and they treat me rudely every time I call them. They wo n't help me at all and I feel discriminated because XXXX is n't that good. Worst customer service I have ever encountered. I am a victim but they do n't help me. I do n't feel like paying them after being treated like a second-class citizen.
I used my American Express Blue Cash card and bought a new membership for {$45.00} at XXXX XXXX # XXXX because they had a deal ( Amex Offer ) for new membership purchases. I was told yesterday by XXXX ( XXXX ext XXXX ) that they 're not honoring the deal because it was n't a new membership purchase. So I got written proof from XXXX that it was indeed a new membership. Amex, please honor your promotion ( {$45.00} ) credit
they garnish wages without letting me know send to old address and my employment knew my address is my ex address I cant believe what they did I have XXXX XXXX taking XXXX % of my pay my XXXX is XXXX because i have to work over time I called them and they still taking it out it was open back in the year 2000 i need help
I contacted Midland Funding and spoke with XXXX XXXX in the debt verification department regarding an account that should no longer be reported on my credit file. My original debt was with XXXX XXXX which is now XXXX XXXX. My first date of delinquency was XXXX 2008. This date was confirmed with the original creditor AND XXXX XXXX also confirmed that the date of the last payment was XXXX 2008, however, XXXX XXXX stated that that information does not state that that was the FIRST date of delinquency. This statement by XXXX XXXX makes no sense being that the original creditor already confirmed this. This account was paid and I am not disputing that is was mine. I am complaining because it is over 7 years and should have been removed at least 4 months ago.
i received a letter dated XX/XX/2018 from Chase Bank stating that they were ending their relationship with me and that my 3 bank accounts ( 2 checking and 1 savings ) would be closed by XX/XX/2018 and that my credit card with them would be closed effective immediately. i have been a customer of the bank for over 20 years, run high cash balances, never had an issue with overdraft, negative balances, non payments or anything else i can think of. the letter did not reveal the issue for the termination. There was no warning or communication from them prior to receiving the letter. 

when i reached out to the bank - both through my local branch as well as the number provided on the letter, they reiterated they had the right to end any relationship they wanted and were under no obligation to declare a reason. they were completely unhelpful and just stonewalled me behind privacy and secrecy rules. This is not how banks should be treating very long term customers. 

I am concerned that there may be something sinister at play here - false identity, identity theft, faulty credit reporting, or just a plain mistake, whether it is clerical or a computer. If there truly is a problem with my account, i feel that they should explain the issue so that it can be fixed and not impact me going forward at another financial institution. 

obviously i am looking to get this decision overturned, but at a minimum at least get a reason for the termination so i can determine whether there has been any fraud in my name or if i have a problem that needs to be fixed going forward.
Wells Fargo charged an overdraft fee to my checkings account. The ATM located at the branch in XXXX XXXX was not working on Friday XXXX XXXX, 2015 and I could not make a deposit. So I made a check deposit using Wells Fargo Application. As of today XXXX XXXX, 2015 the check still pending. The bank does not recognize its ATM malfunction and wants to charge me a fee and not refund my account for their technical malfunction.
I have had repeated problems with Chase bank. In XX/XX/XXXX I was notified of a hard credit inquiry done by Chase on XX/XX/XXXX and I called Chase to find out what was going on as I had not applied for any credit. They said they would mark it as fraud and send a letter to have that inquiry masked on my credit reports. 

In XXXX I was going over my credit reports and noticed that the inquiry from XXXX was still showing and that there was now a second inquiry dating from XX/XX/XXXX. I called in and was told that they would send off a letter to have both of the inquiries masked. I received a letter confirming this on XX/XX/XXXX. 

This evening I received another alert from XXXX and once again there is a new hard inquiry on my credit report from Chase. 

I called them and was passed from person to person and finally spoke with the right department who said that the application came from XXXX. They assured me that they would deny the application and that they would send a request to have this inquiry also masked from my report. 

I find it very hard to believe that if someone has my information that there would't be other fraudulent applications being made through other underwriting institutions. Chase is the ONLY one to show up which leads me to believe that there are other problems at Chase that have nothing to do with XXXX.
Accounts on Experian and XXXX  have been closed but still show as deliquent. There are inquires that should be on the reports. 
XXXX  XXXX XXXX XXXX These accounts are not suppose to show
I am not sure if my loan is federal or private. when I received the loan in 2001, its was explained to me as a federal loan. Now according to the Government I owe them nothing, and my loan has been given to a private lender/collections company. I was contacted once by this company, then I was sent a letter telling me that my wages will now be garnished, at 15 % to 25 % or {$430.00} a paycheck. after looking over the paperwork they sent me, there is no judical signature, which tells me it has not been approved by a judge. I am will to repay this " loan '' without all the taxes and penalties and to original loaner. This company ignored my request to know who they are and where they are located, until I called them directly off the notice that was sent to me. They offered a settlement of XXXX in cash .... after I badgered them on how to get me out of this " garnishment '' then they gave me other offers, and requested ( I did not provide ) my credit card or debt card information. They said they could only send me the information, and the garnishment would go on until the courts gave a verdict, and they said the courts are only available in XXXX ( I live in Montana. )
I went into First Republic Bank in downtown XXXX XXXX on XXXX/XXXX/15 at XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. I went into the bank to cash a legal settlement check in the amount of XXXX. The gentleman that I spoke with was a XXXX man with XXXX hair who sat XXXX or XXXX desks in from the front door told me that they could n't cash my check. They only had XXXX or XXXX XXXX dollars at most. When I inquired about why they did n't he said they did n't keep that much cash. He said they just did n't which I think is total XXXX Further there was no policy or anything posted at the bank that states they have a limited amount of cash on hand or on their website that says that requests for large amounts need to be handled in a " x amount of time '' There is no question about whether or not the funds were available for this check. It was placed in a client trust account -- legally no check can be issued from these accounts until the funds have been verified. So I am curious about why this person encouraged me to cash a check at my bank that I knew would be put on hold again at my bank because now they need to wait for it to clear from this bank instead of this bank providing me with the cash that I requested from a check drawn on their bank from a client trust account. Was it racism? Is it misplaced policy? Why allow someone to write a check in that amount if you are n't legally willing to honor the instrument person. I would like to know.
I have received several notices on a debt collection in my wife 's name. The name is incorrect and we have no record of the service for which this debt claims. I have written several times to the collector and they refused to disclose any information on the debt to me. I have written and telephoned the company multiple times with no assistance.
XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally.

XXXX  ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX  and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service.

XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX   doesn't have any documentation, where I have agreed to service or signed for service.
CAB Collection Agency claims to have medical accounts in their files in my name. They also claim that they have sent me a total of XXXX statements to my current address and that the correspondence was received by me due to the fact that it was not returned to them labeled undeliverable. If CAB Collection Agency has previously sent me correspondence, I request that they re-send it to the same address that they sent the XXXX statements to. 
Furthermore, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me, but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization. 
I request that CAB Collection Agency, Inc : * Please provide breakdown of fees including any collection costs and medical charges. 
* Provide a copy of my signature with the provider of service to release my medical information to you. 
* Cease any credit bureau reporting until the debt has been validated by me. 
I request that CAB Collection Agency forwards this information to the address that they previously sent correspondence to that was addressed to me as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because they will be deceiving me after this written request. I request full documentation of what CAB Collection Agency received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await their reply with above requested proof.
XXXX XXXX XXXX has been calling me and all my family members incessantly. I asked them to stop calling family and they told me if I did not make a payment theyd keep calling them. This occurred back in XXXX. Yesterday XX/XX/XXXX they called me and told me if I did not make a specific payment by XX/XX/XXXX theyd turn the debt over to someone else and a charge off would be on my credit report. I told them I could not give them the amount ( {$180.00} ) until Friday XX/XX/XXXX. They told me I should borrow money from a friend or family member or let my bank account go into the negative to make the payment. They are bullies and it is not appropriate for them to be doing and saying things like this.
I submitted a complaint to Diversified Consultants via the CFPB portal last year and received correspondence from them with Ref # XXXX stating that they would remove the collection from my credit report totaling {$2100.00} from XXXX. This collection keeps being deleted and reinserted on my credit report without my knowledge. In the letter, Diversified Consultants stated : " All collection efforts have ceased and XXXX XXXX will receive no further calls from DCI ''. I have attached that correspondence to this complaint once again. What DCI is doing is against the law.
IQ Data in XXXX has contacted both my ex wife and one of the executives at my company in order to try to contact me after I blocked their phone number. 

The debt in question is not valid in the first place ( previous landlord trying to get me to pay for damage I did not cause ). And now IQ Data is  contacting my co-workers and family, which is causing personal stress and embarassment. I have proof of their attempts to contact.
This is a XXXX complaint ... I am not seeing my situation as a choice so I chose Contact me after I asked not to ... The FIRST is that this purported debt collector, ARS, Account Resolution Specialist has been calling me for months to over a year and continually asks me for my personal information over the phone. There is no way for me to know who I am speaking with. When I refuse to give out my information, even after I say that I am myself, they hang up. This is harassing in nature. If they have my information and call me they should say what they have to say ... not continue to call me and ask me for my personal information. They are not accomplishing anything other than to PHISH for my information and seems to be a very unethical business practice. I suspect, but do not know for sure, that they are trying to collect for a medical bill which leads to the SECOND related complaint ... I suspect the debt is possibly from XXXX XXXX XXXX in XXXX XXXX ( I was very ill about 2 years ago and had to see several doctors ) XXXX seems to regularly and frequently sell their debts to varied collectors. If this is the case, then XXXX too is at fault in that when I call XXXX I am told I have one balance which on its face seems as if the insurance company has paid something else, but in reality there seem to be additional remaining debts attributable to XXXX that are impossible to track because XXXX has cast bits and pieces of the debt out to varied collectors and XXXX is either unwilling or unable to provide the debtor 's information to me. There is no way for me to have an accurate accounting of what I owe. This is unduly burdensome and virtually impossible to track. I received the most recent call on XXXX/XXXX/16 about XXXX CST. Also my father was in XXXX long ago XXXX and I am not comfortable including his information in this site.
spoken with equifax, XXXX, and XXXX on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others.
I previously lived at XXXX XXXX in XXXX, which is owned by XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ) Their Corporate Office is located at this address. 

I lived with them and paid rent every month on time or early. On my last month with them I was to move out by XX/XX/XXXX. I contacted their resident service office on XX/XX/XXXX to find out what the pro-rated amount was so that I could pay them for my last month and they said they would let me know that same day. 

They purposely did not tell me the amount that was pro-rated and the amount I needed to pay so that they could add on a late fee and gouge me because I was leaving their apartment community for a better one that they did not own. 

Once I was notified on XX/XX/XXXX of the pro-rated amount and the late fee, I told them that was not fair as I had been in contact with their rep and said he would contact me with the pro-rated bill but he never did until The payment was considered late. 

I refused to pay their late fee but paid them the Pro-rated amount that was due and moved out. Later they sent me to collections for {$150.00} late fee that is erroneous. The collection company has already severely damaged by perfect credit. I disputed the charge but it is still on my credit and I want it removed.
On XX/XX/2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan. 
I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l wouldn't accept it at all and they insisted me that it was definitely be a soft inquiry and won't hurt my credit score so l said OK, just give me the rate. 

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX   XXXX 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
XXXX XXXX called me with misleading information advising if I paid them {$100.00} a month for 4 months they would remove all collection debt from my credit report. They asked me for more than one credit card with the 3 digits on the back of my card. I know this is against the law. Then they gave me a fake credit score and credit rating. XXXX extension XXXX out of XXXX, UT location stated his corparte location is XXXX XXXX XXXX, UT advised me I had to pay him for up to 4 months to have things removed off my credit that has already been paid and unpaid. I ask to have the vaidility of his comnpany sent to me in writing or by email. He had my business email address which I have never given him or used on any of my personal accounts. When I rewquested to have it removed he still sent an email to mu business account and not my personal account. Then when I called the comapny back they stated there is no employee there by that name or extension I am requesting to have this looked into I think I am a victim of fraud and idenity theft
I am a victim of identity theft and haveXXXX hard inquiry on my Experian credit report thats fraudulent and unauthorized : XXXX XXXX XXXX/XXXX/XXXX. The hard inquiry dont belong to me.