WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX, XXXX, have been calling my workplace, everyday, 5 days a week, for about 3 months. 
When the phone is answered by an employee other than myself, they hang up. 
Twice I answered the phone with a " Hello '', instead of my company 's greeting, and then the caller identified themselves as Portfolio Recovery. Both times I told them that the number they were calling is a place of business and NOT to call there. 
What makes this worse, is that this is an attempt to collect a debt that has been " charged-off '' by the original creditor, and Portfolio has posted this debt 4 times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to my credit report as a " new debt '' and " collections '' on my credit reports. 
Portfolio Recovery is placing my employment in jeopardy and willfully damaging my credit by their actions, which are highly unethical and in the case of calling my place of employment after being told not to do so, may be illegal.
I have been a loyal member of the US Bank XXXX XXXX XXXX Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr. I would not be able to utilize the new benefit and am seeking compensation for this drastic change in the form of annual fee refund ( that I just paid ) as well as XXXX XXXX XXXX points credit that I would now need instead of using the bonus award night feature for XXXX of my trip planned this year.
I applied and was approved for the PenFed Pathfinder Credit Card. The benefit includes a {$100.00} per year credit when using the card for baggage fees or in flight expenses ( food, drinks etc ). 

On XX/XX/XXXX, i used the card for a {$3.00} expense - transaction # XXXX XXXX XXXX XXXX XXXX  XXXX TX On XX/XX/XXXX, i used the card for a {$26.00} expense - transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX On XX/XX/XXXX, I used the card for a {$14.00} transaction # XXXX, {$35.00} transaction # XXXX & {$16.00} transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX The total above comes out to {$94.00}. I was told i would receive the credit as soon as an eligible transaction is made. I have not received ANY of the 5 credits mention above. In fact, I WAS TOLD that i had to pay the {$15.00} minimum payment due on XX/XX/XXXX. I even was charged interest on the balance because the bank DID not credit my account as it should had been. This bank is not issuing credit on-time and taking advantage of customers by leaving the balance and earning interest when the statement closes. I made the {$15.00} dollar payment and was charge {$1.00} in interest on a balance that should had never been there. 

The only credit issued so far was the XXXX XXXX of {$100.00}, and that was credited about 4 days after use.
I am complaining about a bait-and-switch credit card offer, for an XXXX credit card offered by Bank of America. XXXX is promoting a XXXX Signature card, which provides for free baggage check and other worthwhile benefits. I applied for the card, on-line, and was approved. I received a credit card in the mail, but after taking a closer look, I saw that it was a Platinum Card, not a Signature card. The card did not include free bag check, or any other significant benefits. The card had a {$1000.00} limit, and cost $ XXXX. I had not applied for this card. When I called B of A, I was told that the card already had a {$50.00} charge. I was able to cancel the card, but I was disturbed by the obvious bait-and-switch tactic. I went back to the XXXX web site. Nowhere does it say that I am applying for a Platinum card. " Platinum '' is not mentioned on the home page, or on the Signature card promotion page. It is only when you go to the application page, that the Platinum card is even mentioned, and nowhere does it state that the application is for either card. It is only by going down to the " Terms and Conditions, '' at the bottom of the page, and then scrolling down through the " Terms and Conditions '' to a section that is not even initially visible, that a provision appears, in the smallest type font on the page, stating that B of A may approve a Platinum card, instead of a Signature card. But even there, it does not state that by applying for a Signature card, XXXX is also applying for a Platinum card. I applied for a Signature card. The application was approved on-line, without the need for any further action on my part. I was not told that I had only been approved for a Platinum card, or given an opportunity on-line, to reject the Platinum card before it was shipped. 

This offer is clearly designed to allow B of A to bait-and-switch the Platinum card for Signature card, without any adequate warning to the consumer. If I had not closely looked at the card after it arrived, I would have ended up paying a {$50.00} fee for a high interest, low limit credit card that did not have the benefits that I thought I was receiving. 

I spoke with representatives of both XXXX and Bank of America, explaining the deception, and asking that they change the ad. The XXXX representatives with whom I spoke agreed that that web page was deceptive, but told me there was nothing that could be done, because Bank of America controlled the content. The Bank of America representatives told me that someone would be in touch with me, but I have not been contacted.
Capital One suspended my credit card and charged late fees to it for what they claimed was " fraud activity ''. I spoke with the bank and they said that " one of the credit bureaus had alerted them of fraud activity '' ... but would not say which one. 
Capital One opened a new account for me and moved the balance of {$740.00} to that account. But they added late and services fees bringing the balance up to {$800.00} for issues that have NOTHING TO DO WITH ME. There is no fraud on my account and they will not give me anyone to contact or which bureau suggest that fraud existed.
ERC is reporting a XXXX collection to XXXX, XXXX and XXXX - all stating I opened an account in XXXX XXXX. They continue to report derogatory conditions as recently as XXXX XXXX. Almost 24 months of derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX or ERC about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.
This is about a Kohl 's department store credit card balance due. The company or their representatives continue to call mutliple times a day at a minimum of three often more and have in fact called as many as 15 times in one week after being informed of the plan to pay the balance in question. We have asked numerous times to not be called and we have advised them that we will not make payments over the telephone due to scams and fraud issues. Still they continue to call even after making contact. This has been going on for more than two months.
My AMEX card was compromised. They decided to cancel my account. In the process, they forfeited my reward dollars instead of instructing me to cash them out. Unethical, unfair, borderline fraud. At the least, the worst customer service i have experienced in my life. Just straight up theft.
To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.
In XX/XX/XXXX we notified Cit that we were planning to file for bankruptcy, but intended to continue to make payments on the two student loans we had with them, after the bankruptcy was complete, per our lawyer, as they did not qualify for discharge. Citi did not agree to any delays in payment and immediately put the loans in default status and referred them to collections even though we had not missed any payments at that time. The first company that contacted us to collect on the loans was XXXX XXXX. We agreed to a payment plan and made all payments on time, but were never given statements or balances due after multiple requests by phone and in writing. In late XX/XX/XXXX or early XX/XX/XXXX, we received information by mail that Citi had sold our loans and we would receive further instructions from the new company. We did not receive further instructions so we continued to make payments to XXXX XXXX. Eventually XXXX XXXX stopped accepting our payments. We called several times and sent written requests for more information, including the last request that was sent via certified mail in XX/XX/XXXX. The certified letter was signed for, but no response was ever received. After not receiving any requests for payment from anybody, we contacted Citi for further instructions. Citi explained that the loans were in the process of being sold and/or reassigned to other companies. At this point we were instructed to send payment for one loan directly to Citi in XXXX XXXX, SD, and the other to XXXX XXXX, XXXX out of XXXX, FL. We then requested a payment history and current balances from Citi. We received a payment history for each loan that only went back to XX/XX/XXXX. Not only is this information incomplete since we made payments since XX/XX/XXXX ( and before the bankruptcy ), but it is also not correct. We sent exactly {$40.00} to each loan every month since the bankruptcy and that is not reflected in the short history that was provided. Lastly, we sent the amount specified by Citi ( with a copy of the letter from Citi ) to pay off one of the loans in XX/XX/XXXX, along with a request for verification that this loan had a balance due of XXXX dollars. As of today, XX/XX/XXXX, they still have not cashed this payment. We received a voicemail from Citi stating that they had questions about our request shortly after we made that payment. We have tried to contact them several times at the number given and they have not returned our phone calls or responded by mail.
On XXXX XXXX I informed PNC Bank that I was a victim of a scam and fraud. I asked PNC to close the account and reopen a new account. PNC DID not investigate and informed me that I would have to repay the funds. On XXXX XXXX PNC went in to a joint account that my fianc and I have and took his entire check as well as closed the account with out prior notice or gave us the chance to work on payment arrangements.
I have a loan with XXXX and i received a letter in the mail today stating that my loan will be transferred to a new company named LakeView Loan Care, LLC. I am under the impression that i am required to have at least 30 days of notification of said transfer. In addition i was notified that my due date was changed to 15 days sooner. Should I contact an attorney??
On XXXX XXXX I opened a VISA credit card with TD Bank as part of a promotion. The promotion involved receiving {$25.00} dollars in credit after making a purchase. After using the card to purchase approximately {$300.00} in the first month, I received a billing statement that did not include a {$25.00} credit. I called TD Bank customer service on or about XX/XX/2018 and they directed us to visit the local branch for assistance in receiving the credit. The banker at the branch tried to correct any errors and assured us the credit would be coming in the next statement. The XXXX statement came and no credit was issued. I called customer service again on or about XX/XX/XXXX, and they told me that they would issue a credit in 5 business days. I checked my account on XX/XX/XXXX and the credit was still not issued. 
I called customer service on XX/XX/XXXX and they have still not been able to resolve the problem.
I called XXXX XXXX insurance to inform them that I obtained a new insurance company and for them to cancel my policy. I gave them the dates which overlapped with my new coverage of XX/XX/17. My policy with the new company began on XX/XX/2017. I bought my house and combined my auto with house insurance. The next month they sent me a bill and I called them and they said to disregard as they see when I called in, then continued to send me bills emails and voice messages that my bill was past due and the amount kept growing as I constantly called and disputed and complained that I no longer had a policy with them but they kept arguing with me that I did every time I called. I called and called and called but they would not stop calling and sending emails I finally blocked their emails. Now I have received a collection notice in the mail for {$460.00}. I called them again and they told me that I did not return some email that was sent to me that needed to be responded to for termination of coverage!! I then told them that I never received such an email and if it was needed for them to now send it to me. The representative said they would send it but never did and now I am being harassed and pursued to pay this " false debt '' for terminated services. I have gone through this with XXXX XXXX before and refused to pay and they then put it on my credit report when I began to look for a mortgage so that I would have to pay it. I then had no choice but to pay them so that I could go forward with obtaining a mortgage to buy my house. this is not right and injust tactics to force me to pay for services I DID NOT RECEIVE AND CANCELLED.
XXXX XXXX XXXX failed to remove my father 's credit card account from my credit reporting agencies. They removed it from XXXX, but failed to remove the item from XXXX and Equifax. When I put a dispute in for XXXX and Equifax, they updated the status as " update '' indicating that the account belongs to me. I put another dispute in today with XXXX and Equifax. I expressed the account belongs to my father XXXX XXXX and my purpose on the account was to be listed as an Power of Attorney " ONLY ''. My father is XXXX years old and I am his daughter assisting him with his fiscal responsibilities. However, XXXX XXXX XXXX without my knowledge or authorization and without my father 's knowledge or authorization added me " XXXX XXXX '' to my father 's account as a XXXX cardholder. At no time did I receive a credit card, nor did I make any purchases with a card. I did not open up any line of credit with XXXX XXXX XXXX nor did I sign any documentation to request a line of credit. I am requesting that XXXX XXXX XXXX remove their account from all credit reporting agencies. I am not responsible for any line of credit with XXXX XXXX XXXX nor is this my account. I also put in a dispute with XXXX File number XXXX on XXXX, and the XXXX XXXX XXXX item was removed.
I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and Trans Union of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to one of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are : Inquiries : XXXX, XXXX, Account Numbers and Agency ( s ) : XXXX XXXX
I am a victim of identity theft. Several years ago my office was broken into and my wallet was stolen, as was my passport. I filed a police report with the XXXX Police Department which I have attached to this dispute. I recently attempted to establish a XXXX account but was told my XXXX account was frozen. I did an online chat and was told that because I had violated their terms of service I was banned from the XXXX service. I have never used XXXX before so I could not have violated any terms of service. I suspect someone has used the XXXX service in my name and there may be a debt or issue lingering due to this identity theft. I told XXXX about this and told them I have filed a police report but they did not want to see the police report nor would they disclose to me if an account had been opened in my name.
I was issued a pre-approved credit limit with Country Door at first through the mail attached to their catalog. When I went to use the store credit, They used VA medical bills on my credit report to determined my credit limit that the VA is responsible to pay, not me, and denied me credit all together. Thus, they discriminated against me as a XXXX Veteran.
For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among Equifax, XXXX and XXXX. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?
Bank of America 's vendor cut down a tree at my house and I was charged for the cutting and removal thus the charge increased my mortgage balance. I was charged for the cutting and removal. The tree has been laying on my property for months ( see attachment ). I was told that the tree would be removed months ago, but nothing has happened.
In XX/XX/XXXX I applied for and was approved a HELC Loan, last month XX/XX/XXXX I made my final payment. Due to the min monthly interest having been automatically drawn from my checking account a day before my final payment from an external source came through, a credit balance of XXXX. I have contacted the bank on several occasions to determine why to this date XX/XX/XXXX my money has not yet been refunded back to my checking account. Initially I was told the refund would occur within 5 business day, then was told a secondary communication to the appropriate department would prompt my refund. The following time I called I was told " We never refund HELC money until the " End Of A Cycle '' i.e. XX/XX/XXXX. However to this point XX/XX/XXXX STILL NO REFUND? I feel as though I am being given a run a round, please assist me in this matter. The name of the financial institution is BBVA Compass Bank.
I closed a personal checking account with BB & T in XX/XX/XXXX, and received a letter confirming the account was closed. 
That was the last communication I had with BB & T, until I received a letter in XX/XX/XXXX stating my CLOSED account was past due, and to remit the amount due. 
The letter also stated that this negative status had already been reported to XXXX. 

I telephoned BB & T, and an associate looked over my account status. 
- She saw that the account was closed XX/XX/XXXX. 
- She then noticed a monthly maintenance fee was charged to the ( Closed ) account in XX/XX/XXXX. 
- Further, the overdraft protection feature of the ( Closed ) account paid the incorrect maintenance fee. 
- In subsequent months, the overdraft protection amount was unable to be drawn down to XXXX, since there was no money in the ( Closed ) account. 
- Finally she noted in XX/XX/XXXX that the matter was turned over to the Bank Collections Department. 

Between the letter confirming my account was closed in XX/XX/XXXX, and the letter in XX/XX/XXXX stating the overdue matter had been reported to XXXX, I had received XXXX communications from BB & T. 

As a result of my contacting BB & T in XX/XX/XXXX, they closed my ( Closed ) account, and dismissed the incorrect maintenance fee and overdue fee. 

However, I now need BB & T to remove the negative credit activity from my credit report. 
I submitted a dispute via XXXX, and BB & T simply reported that the account is closed. 

I need BB & T to correct its mistake which it compounded in so many ways, and repair my credit report.
I began an application for a mortgage with XXXX XXXX Bank. They utilized XXXX XXXX - XXXX OR ( XXXX ) for credit analysis. XXXX sent me their analysis which showed that Experian, on XXXX/XXXX/2015, reported adverse information about my credit, including : Ratio of Balance to limit on Bank Revolving or other Rev Accts too highToo many accounts with balancesToo Many accounts recently openedWhen I attempt to call Experian, or access their identified website, there is absolutely no means to inquire about the info or file a dispute. 
How should I proceed?
Selene finance has now stopped excepting our mortgage payment. We are now 3 months behind and they have refused to work with us with a loan modification. We attempted to make XXXX FULL payments and have been refused. Selene is now telling us that we can be foreclosed on.
Security Credit posted collection to my credit report. I tried to contact them directly, only goes to voice mail. Then they stated harassing via phone ( the number I used to call them ) I pulled my credit report 60 days ago they were not listed. Now my credit score has plummeted.