WillisBack/dataset-financial-user-claim huggingface dataset:
I have a netspend prepaid card account that had been active for several years but over the last 6 months or so I have kept it dormant with a token balance remaining. Having forgotten about the account altogether, I was surprised to get an alert on XXXX XXXX XXXX about not only a purchase that was made using the account but that it gave me a negative balance on the account. I contacted the appropriate disputes department immediately, sent in the appropriate documentation and formal dispute letter while still on the phone with them and received confirmation that the documentation was received. They assure me they will " investigate '' etc. 

I called them today XXXX/XXXX/XXXX to followup on the issue as no provisional credit had been issued as promised within the XXXX business day designation ( XXXX and a half weeks have gone by! ). After being juggled around their call center for about XXXX minutes I finally just asked flat out to the supervising representative ( verbatim ) " So, is it NetSpend 's official stance on this issue to completely disregard Federal law as outlined in the XXXX act and consumer protections held therin? '' to which she replied almost triumphantly, and I 'm quoting here " Yes. '' and then continued to tell me the credit would be issued after the investigation was complete and there was no one she could put me in contact with regarding the issue. 

Finally, I decided to contact the merchant who processed the fraudulent transaction that instigated all this madness. They turned out to be a payment processing company who apologized immediately, confirmed that this was a fraudulent transaction among a string of them related to a specific client of theirs, offered to provide any documentation required to prove as much, and lastly ( and this is the funniest part ) that they have received no contact from Netspend regarding the dispute and in fact had reached out to them regarding a whole separate set of issues only to be stonewalled like the rest of us. What a joke! 

Alright, thats it. I have extensive documentation supporting all these claims, time stamped, dated etc. Please advise as to what would be most beneficial. 

Thank you for your time and attention to this matter. 

P.S. I imagine the issue will be resolved by the time you have a chance to act on this, and thats fine, I 'm not really interested in the monetary value at risk here, I am purely seeking moral restitution. 

Good luck!
This account has been disputed and creditor and credit bureau failed to respond to my compliant. Also they have failed to provide any documentation in regards to this account. This account is problematic and i need it to be removed>>>>
The person calling me from this number ( XXXX ) made threats to me over the phone. They asked me for my social security number, a bank account number, and birth date, and when I asked for them to mail me documentation in the mail, they refused. I feel very uncomfortable with their process and the fact that they had my personal information. I would like this to be investigated. 

This is the website for their company that they gave me : XXXX/
Bank of America lending officer ( XXXX XXXX, nmls ID : XXXX, ) will not provide Loan Estimate as per my request. All information outlined by the cfpb as constituting an application was provided to the lending officer.
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Request was reinforced by sending to link to cfpb website outlining the requirements.
On XXXX XXXX of 2014 someone deposit a check into my account from an ATM unauthorized in Work forged I 've then made a claim reporting the activity that was being done on my account on the XXXX of 2014 I then got a statement stating I was negative in my bank account and that i owed Bank of America money. I then went to a bank of America branch in XXXX XXXX XXXX where they stated that I never made a claim and the associate called the claim center and said they never got a claim so I made a claim and the Bank of America associate ask them to the ATM cameras that resulted in showing it was not me at the ATM and they removed the negative money on my account and I could receive the following money I had left on my account.
XXXX XXXX sent a report to a debt collector AFNI stating I owed them {$930.00} for service in XXXX Illinois. I had never lived or even been in Illinois in my entire life. They sent me the bill because the person in Illinois used my name and something close to my social security number but not my exact social security number. They transposed two numbers therefore it is not my social security number. This being said I should have never received a bill. Now I have been thru filing identity theft case to the police department sending letters to debt collectors, dish network and credit bureaus. Nothing seems to be done about this incident that should never had happened since the social security numbers does n't much.
XX/XX/XXXXXXXXXXXX XXXX, Florida XXXX : XXXX XXXX Account : XXXX ; Reference # : XXXX response to your collection notice, we dispute the validity of the debt ( {$480.00} ) based on the following information : Records will show that we were good XXXX customers for XXXX years. 
In XX/XX/XXXX, we began dropping calls at our house, due to lack of reception. After many calls to XXXX and their technical service, and more than XXXX months of poor or no reception in our home, XXXX of their managers finally admitted that their lease with the XXXX tower near us had expired., which is why we had no service. We sought remedy by asking XXXX to give us a " microcell '' aka, " range extender '' so that we could use our cell phones at home. They wanted to charge us {$100.00} for rental of the device. We asked to be released from our contract ( which was to expire in a couple of months ) since we could not use the phones at home. We were told that the credit for early termination would be applied when we connect with a new provider. 

On XX/XX/XXXX we switched services to XXXX. At that time we sold our old phones to private individuals. We learned that XXXX would not activate these phones until we paid {$210.00} for undisclosed charges. XXXX received our payment of {$210.00} on XXXX. XXXX finally activated these XXXX phones, billing the new owners - while simultaneously charging us for nonexistent services over the month! 

In addition to being billed for services we were not using, we never received the promised credit for early termination. In trying to resolve the issue, we talked to many individuals whose names are listed below. At XXXX point " XXXX '', in tech support, looked up our usage and concluded that we were not able to use the phones for many months. He assured us that he got it all straightened out and that our balance was " XXXX. '' Instead, we got a notice from a collection agency " XXXX XXXX, XXXX '' for {$430.00} XXXX charge. We spoke to XXXX XXXX XXXX representatives, " XXXX '' and " XXXX. '' We were told that credit was pending. We explained the situation to the collection agency with no resolve. 
We were recently contacted by your collection agency, regarding the same matter. Your representative, XXXX XXXX informed us that the amount claimed now by XXXX is {$240.00}. Even though this amount is lower than what XXXX originally claimed, we contest its validity based on the above information. We are requesting that XXXX XXXX clear our record of this invalid debt claim and remove it from all credit reporting agencies. 
XXXX XXXX employees we spoke with : XXXX - billingXXXX- tech supportXXXX - customer careSincerely, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX and XXXX XXXX XXXX XXXX Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Relations, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX   )
I applied for a mortgage and found an account from XXXX XXXX on my credit. I never got any collection letters from them giving me the right to dispute the debt. So i sent a dispute letter certified mail to them on XX/XX/2018. Never got a response. Than i sent another letter to them again certified on XX/XX/2018. Still never got a response. They think that because i am a XXXX XXXX  living in this country that i do not know my rights or how to enforce them. I am having an attorney review this case to sue them for not doing their legal job and violating my rights.
On XX/XX/XXXX my wife called B of A at XXXX XXXX XXXX the lady refused to talk to her since she was not the primary card holder so my wife was irritatated AND TOLD THE LADY TO CANCEL HER CARD IN RETALLIATION THE B OF A EMPLOYEE DECIDED TO TAKE THE LIBERTY AND CANCEL MY CARD UNBEKNOWNS TO ME. I DISCOVERE WHEN I WAS IN XXXX COLORADO AND WAS DENIED CREDIT A RESTAURANT I STILL OWE THEM {$2100.00} minus a recent {$400.00} payment. THINK ABOUT IT WHY WOULD I CANCEL THE XXXX XXXX CARD IF I OWED THEM MONEY? i HAVE HAD THE CARD FOR MANY YEARS AND BEEN A LOYAL CUSTOMER APPARENTLY THEY WANTED TO GET RID OF ME. RECEIVED A LETTER DATED XXXX XXXX XXXX  2017 OFFERING ME NEW TERMS!
I have called this medical company to let them know that I do n't know anything about about this bill, I have never had any type of medical treatment whatsoever I always have medical insurance I needed to go to the hospital or any medical facility it would be paid for through my insurance so I know for sure I did not have anything to do with this. It 's ruining my credit for the amount of XXXX the company is called Debt recovery Solutions. I have tried communicating with them and they are not trying to listen to my side of story they are very rude and hard to deal with every time I dispute it with XXXX they always put it back on after it can delete they 're playing with my credit report I have no help.
I am a victim of the Equifax data hack of XX/XX/XXXX. I first became aware of the problem in early XX/XX/XXXX via news reports. Equifax never bothered to contact me directly. I have placed a freeze on my credit report with Equifax.
There was a hard inquiry on my transunion credit report that I did not authorize. It is from in XXXX XXXX, FL.
i had started receiving letters from this company that I have never done any business with and then I started getting phone calls from this company leaving messages on my phone I wish someone would make them stop i 'm trying to work an those calls are very annoying..
I had a loan through West Lake Financial Services. Around XX/XX/2013 the car was repossessed. During that process while attempting to find me to take the car Westlake Financial called and harassed my family members, specifically my grandmother on a daily basis and threatened that you guys were going to sue me. They also called many other family members and told them about my debt ( which is a violation of the FDCPA ). They also called me at my work constantly. I told them that i was not allowed to receive phone calls and i could get in trouble, which i did get written up for. They also talked to my supervisor and told him that i owed a debt and that they were going to serve me at work. ( another violation of the FDCPA ). They never sued me for the alleged deficiency balance which i still do disagree with. Threatening to take an action that you do not intend to take or that is meant solely for the purpose of harassing is a clear violation of Federal law as well.
In XXXX, I was admitted to a XXXX XXXX in XXXX, Florida called XXXX. During this time I was recruited to a school called XXXX XXXX XXXX whose primary role was to help me rehabilitate myself by furthering my education. Upon admission to XXXX i was advise to apply for a student loan, however, because of my XXXX XXXX  i lacked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX   about what the student loan entailed. In addition, I came to later discover that the XXXXXXXX XXXX was not even an accredited learning institution. 


It has been nearly 30 years later after the student loan. In XXXX I was placed on permanent XXXX. Last year, I took a part time job while still on XXXX and filed my XXXX taxes. While waiting for my refund to arrive I received a letter that my wages were garnished by the Department of Education. As a result, I immediately contacted the department to advise them of my XXXX status of which they requested written proof from the Social Security Administration in order to qualify me for disability discharge and return my wages. I forwarded the information to their offices and was notified of their receival of the document. Shortly after, I received a letter from the department that I was denied for Disability Discharge. Can you please assist me regarding this matter????
I previouly filed a compliant against Capital One Auto Finance and Credit card. They are still showing the same information they have lied about. I am still receiving sales information for {$30000.00} auto loans which I have asked them to stop sending. I pulled my credit report this morning from XXXX ( Capital One called a bogus report ) and as you can see on my credit report it is still there. As I mentioned before, the women that called supposedly investigating the issue was just as bogus by doing nothing she said. 
The IRS behind this concern has been over for over a year. What is Capital One 's problem. Please Help with this issue.
I cashed a check from a friend against my business account. About 1 month after I get a notice that the check had been returned and charged back the amount plus a fee. I contacted my friend and she got with XXXX XXXX XXXX and they supplied her with the documentation proving they had infact cleared the check. I have been going back and forth between my bank, Chase and her bank, XXXX XXXX XXXX and I am getting the run around and I am fed up!! I spent 4 hours on a XXXX way call on XXXX XXXX with XXXX XXXX XXXX and Chase and the lady from Chase basically said it looked like it was a mistake on Chase 's part. To this day I have yet to get my {$230.00} from anyone nor can I get an answer!!
I submitted an income-based repayment plan application in a timely manner in XX/XX/2016. 
Nelnet student loan servicing has mishandled my account over 8 times. 
I have been contacting them about their erroneous charges ( I am a XXXX veteran with XXXX dependent ) since XX/XX/2016. They insist that I owe them {$400.00} ... or {$10.00} ... or XXXX . They offer no logical reason for their continued mistakes and legal chicanery. 
I have been wrongly steered into Forbearance on Multiple Occasions. 
they ca n't seem to Understand that I pay {$0.00} as I have been for the past 3 years. Help!
I went to the Experian website to temporarily unfreeze my credit for a creditor. I completed the online form to do this, and had the correct pin number, which I kept when I initially froze my account during the Equifax breach. After each of my two attempts, I was informed that they were unable to process my request and to MAIL the following documents : copy of social security card current address previous address copy of drivers license copy of utility bill or some other bill w current mailing address Send all of this info to : Experian Security Freeze, po box , etc.

I find it ludicrous that a credit agency was instructing me to MAIL all of my identifying information, which could be easily stolen in the mail. I called their published number on their website for fraud issues. After entering all of my info, I was informed that they would not be able to process my unfreeze request and instructed to mail the same materials to same address. After calling their other published customer service lines, none of which I could get through ( dropped calls, numbers not working, etc ) I googled " how to reach a human at experian. '' I found a number online on a bloggers website with instructions on how to reach a human at experian. The number he provided was not found anywhere on Experian 's website. After being on hold for 20 minutes, I was connected with a person who was able to unfreeze my account. My complaint is that Experian does not provide adequate support for credit freeze/unfreeze.
Transunion, XXXX  you are here by ordered to remove this fradulent account at once. XXXX sent statement through the CFPB that this alleged account has a XXXX bal and this alleged account was removed from the past from you CRA 's the name was redacted for Hippa and privacy violations but the account number is stated look at the balance owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these documents for statement of fact case XXXX
A few months ago I contacted Commonwealth Financial requesting validation of two debts they stated I owed. I received a copy of an itemized statement in which did not have anything bearing my signature. I advised them that an itemized statement does not constitute validation of the debt and they have refused to remove the two erroneous items they are reporting on my credit. It is my understanding from recent research of my consumer and civil rights to have ONLY PHYSICALLY PROVEN TO BE METRO 2 COMPLIANT information reported. I am enacting my right to declare a compliance challenge versus these allegations yet demonstrated to be fully TRUE, CORRECT, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY, or else wise METRO 2 compliant. Federal laws dictate that Commonwealth Financial is unauthorized to retain or report any chicanery or injurious subterfuge such as allegations that are deficient of PHYSICAL PROOF. My demand is immediate annulment by full and permanent deletion of the two erroneous accounts from all three credit reports.
On XXXX XXXX, 2017 I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Im trying to refinance my mortgage out of Amrihome to a different lender and they wont issue a payoff letter. Thire claim is that as they dont have hazard insurance on the property they cant issue payoff notice. 
Though I have explained repeatedly that I can not insure the house as its about to be demolished and that the new lender is providing me with a construction loan facility they dont seem to except that. 
My constant conversations with supervisors at the call center who promised me that they understand and therefore will issue such payoff notice ended again in disappointment as no payoff notice was sent. 
In light of their conduct my closing for the refinancing did not occur and I would have to redo the whole process and pay additional fees for the new lender. Nothing seems to matter to them as today again I was promised an email and escalation but nobody contacted me. 
Seems like Im in limbo no in light of their conduct my closing for the refinancing did not occur and I would have to redo the whole process and pay additional fees for the new lender. I also gave them permission to impose insurance on me and to charge me with the premium.
I contacted transunion and XXXX  about an account listed by XXXX XXXX XXXX. 
XXXX XXXX XXXX Potentially Negative XXXX XXXX XXXX XXXX Debt Buyer Responsibility Individual Balance {$1200.00} Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$1200.00} {$0.00} 1 Months Date Opened XX/XX/XXXX Status Collection account Payment History {$1200.00} past due as of XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX This account has been reaged. I have disputed this reports 3 times. Each time they allow the collection agency to falsely report their accuracy. The account they claim to be collecting is so old it does not appear on my credit report. This is a fair indicator of an issue. The opening date of this account is listed as XX/XX/XXXX. If that were so the XXXX  would show on my credit report. I asked Transunion for the original date of delinquency and they told me that is did not matter. If the original account is so old it is no longer on my report than the collection account has to have been reaged. 

The same situation exists with The Bureuas THE BUREAUS # XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX XXXX Placed for collection : Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Open Account COLLECTION AGENCY/ATTORNEY Balance : Date Updated : Original Amount : Original Creditor : XXXX XXXX Past Due : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Capital one credit card account, they put a six working day hold on a electronic bank transfer payment, is this legal, money cleared my bank day after payment. They refuse to credit my card!
From XX/XX/2018, my account balance with Veros Credit was  {$8000.00}. From XX/XX/2018, my account balance with Veros Credit was {$7300.00}. This information reflects that I have only made a total of {$650.00} worth of payments since XX/XX/2018. Late fees from Veros Credit total {$20.00} and my current interest rate with the company is at 20.99 %. 

I have documentation showing that since XX/XX/2018 I have actually made a total of {$2500.00} worth of payments to Verso Credit. It would actually be impossible for me to keep my car if I only made {$650.00} worth of payments to the company. They would have surely repossessed it by now. 

When I asked the company if I could have a better explanation of where my money was going towards, the company was very hesitant and treated me as though I was just trying to get out of paying my bill instead of me trying to understand what was going on. They emailed me a spreadsheet that confused me even more, and that only further made me wonder if they're accounting is efficient and whether my bills are up to date or accurate. 

I am fearful that I have been overpaying Veros Credit and that they do not know how much I actually owe. I am probably not the only one and if they can not bill people correctly or explain billing inquiries to their  customers, than they should not be in business. 

( I also have recordings of the customer service agents that I spoke with who were reluctant to explain my billing questions. )
I have contacted Experian about an alleged Bankruptcy on my profile. I submitted PROOF that the Courthouse is NOT the one who is REPORTING the BK, as well as PROOF that XXXX REMOVED it due to unable to verify. XXXX verified to me that they received their information from Experian as well as Experian verified they received their information from XXXX. Experian is LIEING AND REPORTING INACCURATE INFORMATION. This against the LAW! I have PROOF they are breaking the law and lieing.
XXXX has been non-compliant with removing the unverified account TD AUTO FINANCE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that TD AUTO FINANCE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.