WillisBack/dataset-financial-user-claim huggingface dataset:
Received a notification that a collection account was placed on my credit report. Looked into who it was and what for as I had never received a collection notice. Found out it was from Online Information Services for XXXX for a utility bill from a previous address. I received this notification in XX/XX/2018 and quickly responded to them with a debt validation letter. I contacted the utility provider ( XXXX XXXX XXXX ) and verified with them there was no outstanding bill due as it was paid in XX/XX/2018. The account was reported in XX/XX/2018 as unpaid which caused damage to my credit score. I disputed this account with all 3 credit reporting agencies, one has removed the account all together, one verified the account as mine and the last one has not responded or updated the information on the credit report. XXXX has removed the account. XXXX verified the account as mine and XXXX has not responded. One report I believe was updated to a paid collection, how can they provide false information to the credit bureaus as a paid collection when they never received a payment and the original creditor was paid directly?
After attending XXXX XXXX and graduating in XX/XX/XXXX, my student loans have doubled in what is owed. Every payment that has been made has gone towards interest. I have made payments and kept up to date on my debt. However, my payment has recently doubled as part of a graduated payment plan. I can not afford {$400.00} a month to keep my account current and I am afraid I will not be able to continue making payments. When I called for assistance, I was told that there are no other options available to help me. I WANT to remain current on my payment plan, but I can not afford payments that are half of a paycheck. I want to pay my loans off, but my loan servicer will not work with me to make that possible.
Yesterday I received a call regarding a payday loan in the amount of {$300.00} that needs to be taken care of. When I tried to make arrangements to pay it, the rep said the balance is now almost {$600.00}, and she was not willing to accept a postdate check for the  XXXX , nor was she willing to accept anything under {$200.00} a month. At the moment I am in a financial bind and can not afford that, but I have every intention of paying it. After no resolution was arranged, the rep said, " Good luck in court. I hope they do n't garnish your wages, '' then hung up. I called b ack a second time and tried to convince them to accept the arrangement again and was told once again, '' Good luck in court, '' and then they hung up. This debt is not on my credit court, so I honestly forgot about it. I am paying on other debt at the moment and have never had a company operate in such an unprofessional and uncaring manner. I would like to resolve the account, but I need better customer service and a better pa yment arrangement.
There is an account that is past the statute of limitations and still listed on my credit file. University XXXX
I was sent to collections after 30 days for a water bill when the city would n't let me set up a payment plan. I did not receive any correspondence, but got a call from Fidelity Collection Services. They used vulgar language. They added a {$100.00} fee plus 9 % interest. They would n't work with me on removing the fee so I could pay the debt. They threatened to garnish my check.
I filed a dispute with Equifax credit reporting service regarding incorrect information reported. The DOB reported on my Equifax report is incorrect. The matter was brought to my attention when I applied for a job and the employer did a credit check and the information I 'd reported on my job application regarding my identity was not a match to the information reported to the employer by the credit bureau. 
- I asked Equifax to remove the DOB from my credit report after they 'd told me that in order to correct the incorrect information they 'd require I submit to them my birth certificate. Because I am a victim of identity theft ( the most recent occurrence in XXXX 2016 ) I would not submit to sending in my birth certificate. 
- I did send, however, a document of identification, a copy of a police criminal report pull verifying the year in which my social security number was issued and from which state, and a copy of my social security card. 
- Equifax responded by informing me they would not remove the DOB from my credit report and would continue to report the incorrect information.
On XXXX XXXX, 2016 I opened an account online with Regions Bank. It was an offer to give me {$200.00} if I established direct deposit in the account and utilized their online banking. They sent me emails confirming this, and they mailed me a debit card. I later went to the Regions Bank Branch at XXXX, TN XXXX. I met with XXXX XXXX to confirm my identity, verify my address, and validate the special offer for {$200.00} on my account. He disputed my offer until I produced the paperwork ( printout ) of the offer from Regions Bank. He confirmed that the offer was valid and he even printed out another copy for his verification. We met for over an hour and he tried to sell me everything even though I just needed to confirm information. He said I had verified my information and I could go. 

Two weeks later, Regions Bank sent a letter asking me to verify my address and identity. I went to the Regions Bank location at XXXX, TN XXXX and spoke with XXXX XXXX. XXXX was very helpful, but she said that the Branch Manager, XXXX XXXX had to confirm the information again. She copied my Deed, Utilities, and made a copy of my drivers license. She then said that she had to follow up with XXXX XXXX to make sure he re-submitted my information. 
A week later, XXXX XXXX, 2016, I tried to set-up direct deposit on this account and I could n't. I attempted to log-in, but the website instructed me to call in to Regions Bank customer service line for online banking. When I called-in, I was informed that the account had been closed and no reason was given. Regions Bank misled me to believe that they were going to offer their promotion and give me {$200.00} in 90 days and they had no intention of honoring their advertisement. I want my {$200.00}.
Demands I send them money using a prepaid credit card instead of me sending them payments through my bill payer. It 's a credit card debt I had several ago and they Premium Asset Services LLC. They have just started calling me this month.
XX/XX/XXXX Added a XXXX recipient " XXXX '' -- XXXX XXXX XXXX XX/XX/XXXX TRANSFER TO XXXX XXXX REF # XXXX ( via XXXX ) {$240.00} -- email used was : XXXX XX/XX/XXXX Amount not received by XXXX XX/XX/XXXX Talked to XXXX XXXX banker " XXXX '' at XXXX XXXX Branch He noticed that XXXX had not registered for XXXX with her email yet. Sent instructions via email to XXXX on how to register with XXXX and asked her to do so. XX/XX/XXXX XXXX still has not recived the {$240.00} in her account Added XXXX recipient " XXXX '' -- XXXX XXXX ( XXXX 's husband ) TRANSFER TO XXXX XXXX ON XX/XX/XXXX XXXX # XXXX ( via XXXX ) -- email used was : XXXX XX/XX/XXXX XXXX XXXX received the amount in their account ( same account as XXXX ) {$240.00} XX/XX/XXXX Talked to XXXX XXXX banker " XXXX '' XXXX checked both of our accounts -- XXXX 's email was still NOT registered with XXXX -- XX/XX/XXXX Our account showed a payment of {$240.00} to XXXX -- XX/XX/XXXX Our account showed that the payment was delivered to some XXXX   account ( not XXXX 's ) -- XX/XX/XXXX XXXX XXXX & XXXX 's account show NO payment received on XX/XX/XXXX. -- XX/XX/XXXX XXXX XXXX & XXXX 's account show the payment ( {$240.00} ) received. ( sent on XX/XX/XXXX ) XX/XX/XXXX After almost 3 weeks of original XXXX payment, the amount that should have been returned to us within 10 days of No Delivery is still no where to be found. XX/XX/XXXX XXXX claim case opened : XXXX XX/XX/XXXX XXXX claim case closed : They claim the amount was successfully delivered and a token was successfully issued and there is nothing they can do now ( but they do not disclose to WHOM it was delivered ) The question is : If XXXX 's email is not registered with XXXX ( as XXXX XXXX has verified ), then where did the original amount of {$240.00} go -- it was taken from our account but not received by the intended recipient ( both facts verified by XXXX XXXX including the intended recipient 's email address, so no confusion about the email address either ), then where did it go and why are they not refunding us?? XXXX XXXX XXXX have no other bank account. XXXX also called XXXX XXXX & XXXX, but they could not help him either to track down the missing payment. XX/XX/XXXX -- XX/XX/XXXX Went back & forth with the XXXX XXXX banker " XXXX ''. He opened a new case : XXXX with their Executive Resolution Team, who  took 2 weeks to look into this. In the end the case was closed because XXXX won't expose the account # the amount was deposited to. XXXX gave up and agreed we go through the Legal Route.
XXXX XXXX XXXX has continued to report fraudulent information on my credit reports. I have disputed this information several times and corrections were made. However XXXX XXXX XXXX  continues to report fraudulent information over and over. The account has been closed and written off for many months. However XXXX XXXX XXXX continues to increase the balance and even know there is no payments due XXXX XXXX XXXX reports missed and late payments every month and increases the balance. I have a letter from an attorney who represents ford that tells me do not send payments to XXXX XXXX XXXX. So if the account is closed and charged off, written off and it shows no payment is due. How can XXXX XXXX XXXX continuously report that my payment is late and how does the balance increase on a closed account.
a installer came to my home from XXXX XXXX XXXX to give me there service, he said ; was unable to install because of a oak tree ; it would be in the way of the signal, he left and did NOTHING, no work at all. I sent ALL of there equipment back to them. Iam NOT paying a bill for nothing done!!!!!!! This {$100.00} dollar bill should not have been sent to me, please take it off of my credit report. Thanks, XXXX XXXX.
XX/XX/XXXX fell in between the grace period, there is an unexplained late charge attached to my mortgage that needs to be removed. The company told me to have my lawyer explain it when I called. BSI does not credit your account until the money gets deposited in the bank. Not when they receive payment. It seems every time I file a complaint, I am penalized with an unexplained fee added to my mortgage.
I have been trying to resolve this problem for months with no avail. I have been disputing the validation of this debt due to the fact I do no owe it and it is not my account. This is my second complaint. I advised the company the debt was not mine, the sent back inadequate proof that it was with information that does n't match mine, I offered to even settle on the account just to get it off my credit report, which they agreed, and then never returned my calls when I left messages on the number they provided for me to call. I have filed an identity theft report with the FTC and sent it to the credit bureau and again disputed the debt and they still refuse to remove it from my credit report.
Contacted the company on XX/XX/XXXX of this year to request a current payoff amount for this mortgage loan. Was told by the customer service agent at that time that they would not provide the payoff amount over the phone, but would prepare a package that would go out with the information, and possibly would be in the mail that afternoon. No other special instructions that would be associated with this action were discussed at that time and as I persisted for a number on the exact amount that this process was necessary as they were concerned with the interest amount as the fee changed daily.

On XX/XX/XXXX having not received this payment package, I made out a check for the principal amount based on myXX/XX/XXXX payment statement. I mailed this check to the statement payment center that morning ( XX/XX/XXXX ).

On XX/XX/XXXX I received the payment package and with the payoff amount and payment directions. With fees and their calculated interest I would owe them an additional XXXX, but they also indicated payment to a different payment center and the need for a certified check or bank wire. 

On XX/XX/XXXX I contacted their call center and was told by the initial customer service representative, and then XXXX a supervisor I asked to be referred too that they would most likely return the original check and that I would need to contact them for a new payment package, essentially pushing the process out an additional four of five weeks at least and putting additional money in their pocket. I told them they needed to apply the original check to the principal balance, as the check has been trustworthy the last several months to accept for the monthly mortgage payment, there should be no problem with it for a final payoff. Was told they have a process that must be followed. 

I have no problem paying the additional {$100.00}, per their final number calculation that my XX/XX/XXXX check did not include. But disagree with incurring additional interest fees on the total mortgage amount while we work with in their created process and what seems to be a stall tactic to their benefit.
I have a Chase Ink Plus Plus card, and I am unable to transfer my ultimate rewards points to my XXXX XXXX account. I have not been given a reason for not allowing me to do so. I understand that Chase does not want me to send points to the accounts of employees ; I am not trying to do that. I am trying to transfer the points from my account chase ink account to my united account and the request is being blocked by the rewards team.
Equifax is blocking my credit report, I tried to do business with XXXX, XXXX, XXXX and they report that they can receive any information from Equifax, also my credit monitoring agency, privacy asset ca n't retrieve information from Equifax since twoyears ago. I called, wrote and try to solve the problem and always tell me that there is no problem, and unhelpful answers like I have no lock or freeze or sending me credit report when I just ask them, with all the documentation to give me a solution to the problem.
I mailed a payment in XX/XX/XXXX for {$110.00} that was cashed by ACS on XX/XX/XXXX but apparently was never applied to my account. So in XX/XX/XXXX when I received the statement showing past due I contacted them. That was XX/XX/XXXX, the gentleman that I spoke to said to send a copy of the cashed check to them, which I did on XX/XX/XXXX ( I sent copies of both the XX/XX/XXXX payment and the XX/XX/XXXX payment both for the amounts of {$110.00} ). I received the XX/XX/XXXX bill today and it is still showing past due so I called them and they still have not processed the payment from XX/XX/XXXX to credit it to my account. There are late fees on my statement both for the month of XX/XX/XXXX and XX/XX/XXXX. They will not let me speak to a supervisor or correct  their error for me. The best they can tell me is to check back at the end of the week to see if the situation has been fixed. Meanwhile this negatively affects my credit and I am paying more interest than I should be since the amount applied to the late fees should have been applied to my principal thereby reducing what I owe and what the interest would be each month.
I had my credit report ran from my preferred lender for my first time home purchase. There is an account with TCF National Bank that is showing up on my credit report. Due to this error on TCF National Bank 's wrong doing, I was denied the loan. I have been going through the process of getting them to remove this other consumers mortgage account off of my credit report, but have been unsuccessful. I keep getting the " run around '' from them. I signed a power of attorney to have a mortgage professional help me with this but they are getting the " run around '' as well. I have called, faxed, emailed my social security card, my drivers license, copies of utility bills and even my credit report showing proof of their error ( s ). I do not know what else to do because i am going to lose my earnest funds and ca n't get TCF National Bank to write a letter explaining that this is their error, with an XXXX confirmation number/code to help underwriting understand that his is not my fault, and to ultimately get this account that is not mine, off of my credit reprot.
Today, XXXX XXXX, XXXX XXXX people came to my home and refused to leave after I informed them they were trespassing and loitering. Not only did they not immediately remove themselves from my property, the adult male proceeded to walk around the exterior of my house and peek through my windows, a classic peeping tom move, and contined to jiggle my door knob trying to open my front door. These are the same XXXX of the XXXX people who came to my home on XXXX XXXX, XXXX. I told these XXXX to leave and not to come back. After the adult male told me I have to leave ( meaning I must vacate the property ), I told him if they believe they have a right to place themselves on this property to take the matter up in California XXXX Court, but to cease and desist bothering me about it by coming to my home harassing me. I have made it clear to these people I have nothing more to say to them and anything they may have to say to me is most appropriately said in court, not on my porch. 

XXXX ) Invasion of Privacy. 

Bank of America has caused all manner of folk to come onto my property since the unlawful recording of the Notice of Default of XXXX XXXX, XXXX as dual tracking is prohibited since the modification process has not yet been completed. And now I am being told to get out of my own home. 

All previously mentioned resolutions are desired and mandatory.
I received a letter dated XXXX XXXX, 2017 yesterday ( XXXX XXXX ) stating that BOA was shutting down my business banking account in 30 days ( with restrictions to the account starting in 21 days ). The letter states that there is no recourse, and that no reason for this closure will be given. The folks at the local branch I 've dealt with were unable to shed any light on the reasons for this. I 've never, ever had any financial problems with my account, which is tied to my 22 year old business with a stellar financial history. The letter states that I can call in to an automated phone line and leave a message, but that BOA wo n't reconsider closing my account.
I was a victim of identity theft and noticed a collection from SW CRDT SYS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against SW CRDT SYS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
RE : NRA LLC and XXXX - At XXXX on XX/XX/XXXX I received a call from an unknown number - Caller stated my name and asked me to verify ( no other information was provided by caller ) - I confirmed my name - Caller then stated last XXXX digits of my social security #. I declined and asked him what this was regarding. He told me he was calling from NRA LLC but refused ( despite my question ) to tell me what NRA LLC was. Caller said he would not tell me if I would not confirm my social security and hung up. 
- I was deeply disturbed by this and I assumed this was an attempt to steal information for identity theft. 
- I called back and the same caller answered. I asked what his company did and he replied, " I just talked to you, '' and hung up again. I called 3 more times and the call was deliberately rejected each time. 
- On the fourth attempt a woman answered who this time took the time to explain this was a {$24.00} debt (! ) that I was not even aware of and actually explained what the call was about.
I recently looked at my credit reports and noticed that Wells Fargo Dealers reported negative marks 30,60,90 Days Late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve
I am a victim of a school loan consolidation scam. A company conned me into allowing them to remove {$29.00} on the XXXX of each month, a recurring transaction stating that the money would be paid toward my student loans. The money has been taken out of my Wells Fargo Checking Account religiously for years. In XX/XX/2018 I entered a branch of Wells Fargo, after learning that the school loan consolidation company was a scam, and filed a fraudulent claim. Going back the life of the authorization and was told that the Fraud Department would be in contact but I was assured that the withdrawal of funds would stop, per my revoking the authorization. I was contacted in XX/XX/XXXX by the Wells Fargo Fraud Department and was told that they found my authorization for recurring withdrawals to be sufficient and denied my fraudulent claim. Even with me supplying proof that the company listed as taking the funds out was reported by the XXXX  as being out of business and was a fraudulent company. At which point I notified the representative from the Wells Fargo Fraud Department and the branch I originally went into of my rights to 'revoke ' any previously authorized recurring withdrawals, stating I wanted an immediate seizure of any future withdrawals and requested that the withdrawn funds for XX/XX/XXXX and XX/XX/XXXX be refunded. Please be advised that this all took place before the XX/XX/XXXX withdrawal was to take place as well as the withdrawal for XX/XX/XXXX which was also removed.. However, the withdrawal for XX/XX/XXXX did take place and nothing has been refunded. In fact, Wells Fargo has informed me that I am not permitted to stop this withdrawal from recurring even with the revocation of my original approval. Attached please find the letter I sent to the Fraud Department and the Branch itself.
A personal representative from that company visited my shop and offer a services of credit card processing machine. These company offer something that ca n't give to the customer machine arrive to the shop to be install and nobody when to the shop not technical support and I called the branch in XXXX and they said please return the machine and I did it also they try 3 times to get money from my bank account when I already return the machine