WillisBack/dataset-financial-user-claim huggingface dataset:
Robocall from XXXX, with a callback number of XXXX in automated message. 

Spoke to representative, rep claimed that " First USA Bank '' was suing me in civil court for a debt that originated in XXXX and was written off in XXXX for a credit card ending in XXXX. 

Female rep said I had " XXXX options '', settle out of court or ( at this point, I explained that I had no recollection of this debt and that XXXX is well beyond any statute of limitations, at which point the representative hung up on me ). 

I was able to get an address - XXXX XXXX XXXX, XXXX XXXX, XXXX MI XXXX.
Our Costco card was transferred from XXXX to Citibank, all communication to us was that it should be 'seamless '. The card went active on XXXX and the first time I signed in to set up the account was XXXX ... only to find out that our due date for our first bill had already passed, no notification ... nothing! They transferred my account transactions, but my autopay that I had set up was not transferred. I immediately paid the full balance ( before the next statement came out ) and when I received my statement there was an interest charge of {$12.00}. I called their customer service and asked for it to be removed, but they stated that it could not be done. I asked how I could ensure that no further interest charges could happen, and they tried to double talk me about average daily balance, etc. They obviously did not want to provide me clarity as to simply ensure that I will not get any more interest changes. I went online to pay any remaining charges off ( and then some to ensure that I would not get hit with interest on any pending charges ) and their system would only let me pay what for what was posted. So based on the reps description, I need to sign in every day now to pay the posted balance so there is no average daily balance ... and stop using the card until it is at {$0.00}. This is insanity. Either my autopay that was set up with XXXX should have worked, or Citi should have transferred that information over. Costco chose to change companies that it worked with ( to seemingly a horrible company in Citi if their customer service is any indication ), and it ended up negatively impacting me as a customer. An unbelievable unfair practice ... I pay attention to my finances, I 'm sure that there are many others who are more laissez-faire who are getting negatively impacted without notice.
I was deceived about a promotional rate via chat with Citibank. I was told the promotion for purchases was already available on my account and no other action was required. I have now received my first statement and I was charged at the standard APR. When I called I did n't get any resolution. I spoke with several managers who advised the rate did n't even exist. I explained numerous times that I had printed the chat transcripts and I needed them to be pulled as proof that I was offered the promotion. I was also told chat agents are not authorized to provide promos that consumers must call to have offers activated. I feel like Citibank is using unfair and deceptive practices to entice consumers to use their card under false pretenses. I was never offer any resolution to my issue after to speaking to XXXX manager in a total of 2 hours. When I asked managers to pull the transcripts I was told I do n't work in chats so I do n't know if we even save those. I wonder how many other consumers were blatantly lied to and never even bothered to look at their statement cause they trusted their creditor. Also the Citibank website makes it very difficult to view statements if your enrolled in paperless statements and I 'm wondering if this is a strategic move to continue such abusive and deceptive practices.
I purchased a refrigerator, stove and washer and dryer at Home depot /XXXX- XXXX, I got the store credit card with the 18 months no interest rate in XXXX. The delivery was 2 1/2 weeks late I was suppose to get a XXXX credit on the credit card, the stove and refrigerator was delivered scratched and they were to give me two XXXX debit cards and a XXXX gift card. I only got one XXXX debit card and a XXXX gift card. I have called several times and it has not been resolved. In XXXX the refrigerator stopped working because it had only been 4 months that i had it XXXX had a repair tech come out 3xs. The repair guy told XXXX XXXX XXXX to replace the appliance it can not be fixed. XXXX said no they wanted to send another repair person out to fix it for the 4th time. I said no and asked to speak to a manager. I have talked to dozens of managers at Home depot and XXXX XXXX to only get the run around. I contacted the FCC and BBB and I only get an email saying the company has not responded. XXXX XXXX said they will not replace or give me my money back they will only try to fix it. I spoke to Home depot they said they will give me my money back by a credit on the card but they need to pick up the refrigerator and cant commit to when I would get the credit on the credit card. I said the same day you pick it up I will be in the store for my credit. XXXX from home depot said she would check with her manager and I have n't heard any thing for 3weeks now. I do not have a working refrigerator and no one will call me back. I want my money back for the refrigerator such as a credit on the credit card, I want compensation for the XXXX of food lost, I want the XXXX off for the scratch on the appliance as the promised initially for the delivery issue, the XXXX off of the credit card for the delivery issue they promised
I was bailed out of jail by my father and i made arrangements to pay my debt payments but missed payments and is filing bankruptcy and in return they put it on my fathers credit report
Rubin and Rothman had placed a judgement against me. I made an settlement offer of {$4300.00} which they excepted on XXXX XXXX, I have still not received any paperwork from them to vacate the judgement as they have agreed on.
I have a XXXX collection bill on my credit report that does not belong to me. It belongs to my sister in law. The amount is for XXXX dollars. My sister in law and I share the same name. We also have a common address involved as well.
I have XXXX student loans with Navient, these loans are paid every XXXX of each month. I noticed that in XXXX of my loans my accrued interest was {$9.00}. My interest only accrues at XXXX every day for that loan, on day XXXX after payment my interest accrued for this month is already at XXXX. I had the same issue with another loan my accrued interest is XXXX, which should only be XXXX cents after XXXX days.
In protest, I paid a fraudulent " speed-trap '' fine of {$350.00} imposed by the XXXX County Colorado Court, XXXX XXXX XXXX, Judge. The fine was for a false police radar claim of 44 mph in a 30 mph zone in XXXX XXXX, Colorado. I was travelling 29 mph at the time, but the police radar unit was operated in an RFI ( radio frequency interference ) -zone created by six large neon-type casino billboards located in the narrow valley of XXXX XXXX. The XXXX County Court lied to me about my hearing date so I would not be aware of my appeal date and accepted the false police radar reading as correct ... and imposed a default judgement. 

Since I appealed the above default judgement and delayed payment of my fine, Judge XXXX ordered the cancellation of my Colorado Drivers License and employed the collection form of Linebarger Goggan Blair & Sampson, LLP to collect my fraudulent fine. Since I must travel for work, I was forced to pay the above said fraudulent fine that included court costs, and I did so with a certified bank check, from XXXX XXXX. Linebarger reported to me that they received this check on XX/XX/XXXX but placed a 14-day hold on the check as if it were a personal check. On XX/XX/XXXX, the Clerk of the XXXX County Court advised me that they still had not received any of my fine due to them from Linebarger. In checking with Linebarger that same day, they advised they sent a check to said Court by " snail-mail '' on XX/XX/XXXX. I assume the Court may receive this check on XX/XX/XXXX so the Court can order the Colorado DMV to reinstate my Colorado Drivers License by the following week. 

I object to Linebarger 's collection of fraudulent debt, but this may not be corrected in any way. The error in question is Linebarger 's placing a 14-day hold on my certified bank check as if it were a personal check. This delay cost me time, money, forced changes in my classified training schedule, and added delays in my completing training materials all due to my not having my Colorado Drivers Licence promptly restored. My total damages directly caused by Linebarger 's error are {$750.00}. 

XXXX. For background purposes, I am a former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personnel in various parts of the U.S. Linebarger 's above said error acted to delay my travels at least 2-weeks. To confirm my special operations  background, please see the study entitled " XXXX XXXX XXXX ... XXXX XXXX, '' as posted on XXXX ... or check with XXXX.
XXXX  XXXX XXXX and their Debt Collection agency Nelson & Kennard have been TERRORIZING ME. They are attempted to collect on an alleged debt and reporting it to my Credit Report, yet they can not provide proof that the account belongs to me at all. Simply providing me with statements is not proof. This debt doesn't even belong to me, they have no proof, no records, nothing, yet they continue to report inaccurate information about me, record my calls without my permission, contacting third parties about my debt without my permission ( Friends ) threatening me with all kinds of nasty things. They will not relent.
I sent a request for an investigation to TransUnion Credit Bureau on XX/XX/2017 concerning 2 Federal Tax Liens : one in the amount of {$33000.00} and the other in the amount of {$930.00} as well as a Collection account on XX/XX/2017 in the amount of {$1900.00}, as well as the request for removal of numerous inquiries which I have included in the PDF attached. They in turn sent me a letter stating that these aforementioned items were not on my report. I've included the latest Credit Report clearly showing that all such items are clearly there.
On or about XX/XX/2018 I called M & T BANK in XXXX, MD XXXX and spoke with the assistant manager whose first name I only have is XXXX I asked for information on how to close a savings account that I had because I no longer live in the state of Maryland. I did exactly as he instructed me to do. I have a copy of the note. I had it notarized and mailed it to the bank. Upon them receiving the papers XXXX called me and asked me how I wanted the funds I instructed him to just send me a check. After two weeks not receiving the check in the mail I called him I also went to the post office with the tracking number that he gave me but the post office said it didnt exist I couldnt find it in my research either. XXXX then told me he would mail me papers I have to sign to close the account and have notarized but my first question was why couldnt the bank just stop payment on the check. That same week I got a phone call from XXXX telling me that I could Either get a insured bond which I had to pay for or I could wait 90 days and on 91st day he would mail me the papers and then they would re-issue the check upon them receiving them back signed and notarized. I the customer did not lose the check so why should I have to pay any funds at all. He made no effort to even try and locate the check which he said he mailed. It is a substantial amount of money that is now who knows where and he has made no effort on his part to try and find out what happened to the check. That is my money that was in m & t bank And I should not have to wait any longer for my money Or pay anything out-of-pocket. I want my money NOW.
Collection Bureau Of Walla Walla was hired by XXXX XXXX Court to recover unpaid fines. My case was accidentally sent to cbww. I made XXXX {$25.00} payments before getting the fine got recalled by the courts. Cbww has only reported XXXX of XXXX payments to XXXX XXXX courts. I was being harnessed, called a dead beat by this group of unprofessional bullies. I 've contacted the owner ( who has been less than apologetic when I proved that I had been correct about telling the collection agency that they were fired by XXXX courts
ECSI, acquired by Heartland Payment Systems, tried to assess a surcharge that exceeds 4 % ( 4.05 % ) in their student loan payment portal through the Campus Partners website. There is a surcharge for both debit and credit cards, which as I understand it, is illegal. Since surcharge can not exceed their " merchant discount rate '', please publish their discount rate so that we are charged the lesser of the XXXX. I 'm certain that it does not exceed the {$40.00} fee they tried to assess for my one time card payment of {$1000.00}.
First I was out of town and didn't know where a Wells Fargo bank was located. I believe I have signed up for texted messages when my checking accounts ( yes I have 2 ) drop below a certain level. So I ended up paying {$200.00} toward my Wells Fargo Credit Card on XX/XX/18 and then paid {$250.00} on the same card on XX/XX/18. This was a mistake but since I can't see pending transfers in the account I double paid. This threw my whole life in a whirlwind. I was charged {$17.00} because the bank had to transfer money from my savings into my checking acct. But also because of this double payment to one credit card, I never intended to make, i overdrew again. I had set up to pay XXXX, XXXX, XXXX XXXX each {$25.00} on XX/XX/XXXX but they were paid {$25.00} again on XX/XX/XXXX ... again I never meant to duplicate these payments. So I don't know what is going on but at my XXXX bank if you try to enter a payment and you already have a pending one to that same vendor you get an alert immediately that you are about to double pay a vendor! So I am being charged 4 separate {$35.00} overdraft fee charges. These {$35.00} fees are more than the {$25.00} payments. I feel like I have been set up to fail and set up to be charged fees. When I realized what was going on I immediately transferred money from another Wells Fargo Checking and savings account into the overdrawn account. Those transfers are still pending today ( XX/XX/18 ). I do not understand why they didn't happen immediately so I would have avoided the four {$35.00} overdraft charges?? It all my money so what is the deal??? I feel like I was sat up to fail and I was set up to have to pay {$150.00} in fees!!!!! {$150.00} is a LOT of money to me!!! Again I never received a texted alert that my balance had dropped below a certain amount. At XXXX you see your pending payments ... .so you don't have to wonder if you set up for a vendor to be paid. At XXXX you receive an alert message if you attempt to double pay a vendor in the same month. These are both great resources and I don't see why Wells Fargo can't do this except for the fact they want to impose fees on us!
XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On Transunion reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on XXXX   reporting charge off last pay XX/XX/2013 and on XXXX reporting account transferred to another office and last payment XX/XX/2013.
There has been previous issues involving Bank XXXX XXXX XXXX " Bill Pay '' and XXXX XXXX and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

XXXX tells me the collection dept made attempts to collect $ XXXX and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX since opening the line of credit.
Equifax mishandled millions of SSNs, credit card numbers, DOBs, and other personal information for almost half of the United States. After learning about their security breach, they waited almost two months before telling the public, and a few of the executives sold stock before even announcing the events publicly. Additionally, the way EquiFax decided to handle the situation was to provide a free 1 year monitoring of each customer 's information, even though many of these breaches will yield a lifelong threat against identity theft.
every day since Equifax breach unable to file a credit freeze or get free monitoring either online or by phone website freezes up and will not complete enrollment gives errorcode and says try again later this has been happening since the first day breach was announcecd
Debt collector is attempting to collect a debt on behalf of a company which states I do not owe them anything. There is no debt, there has never been any debt, this debt does not exist. Debt collector has ignored my response to have them validate this debt and is still attempting to collect.
credit unless I gave them permission. I told them I did not want my credit record checked. They assured me that it would not go on my credit record id I gave them some information. 
After checking my credit record I am seeing that they lied to me. There are a few checks by XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. The man named " XXXX '' insisted that it would be a soft inquirey that would not show up on my credit record. This is now affecting my credit score.
I had closed my XXXX credit card down due not only an error they made with taking a payment out of my bank account to add to my secured credit card with a value of {$300.00}. When I tried to call to talk about their huge mistake a female customer service agent was less than professional and I said cancel card. At time, as I put {$250.00} down payment, the card had nothing owed, it was caught up to date. However, XXXX illegally sold the account to MCM MIDLAND debt collector who called me constantly and harassed me. I tried to discuss issue with MDLAND XXXX, XXXX credit reporting companies, and XXXX, XXXX XXXX, XXXX and many attempts by me were made for four years to prove my innocence. Enclosed you will find a letter dated in XXXX 2016 where MCM MIDLAND refused to even go over my situation yet again. But, in XXXX 2016, a letter was sent to the XXXX credit reporting companies that stated after 4 years of not XXXX company sending me proof of debt, that they needed to remove them as of identtity theft issues as well. Then as you see all of a sudden after 4 years MCM MIDLAND writes a letter XXXX 2016 saying that XXXX recalled card I actually owe nothing at all, as I tried for four years to prove to both companies and reporting agencies.
I have asked multiple times for an explanation of " corporate advances '' on my account with XXXX XXXX XXXX. We filed for a Chapter XXXX bankruptcy in XX/XX/XXXX when my husband lost his XXXX job due to a store closing and was unable to find work at the XXXX  level again - resulting in a loss of about 60 % of his pay. After this we received no further statements of any activity on our account beyond the annual XXXX required by the IRS. We modified our loan thru HAMP during our bankruptcy when my husband was diagosed with XXXX. I have never been given any information on where the amounts on the two notes was calculated despite asking. 
When the account servicer for XXXX - XXXX was was changed to XXXX, I was shocked to see over {$4000.00} in " corporate advances '' on the history of the account. I asked XXXX for an explantation/history of these amounts and was told the former service company- XXXX would have to explain these as they only had the basic information. I have asked XXXX repeatedly for this information. I have contacted XXXX XXXX XXXX directly for this information and have had no response. I have gone so far as to email the CEO of XXXX - no response. This year - I received the XXXX statement from XXXX for XX/XX/XXXX - they are reporting no MPI on my loan for the entire time they have had my loan, but my record of payments show monthly payments being made. All I am seeking is an honest answer on all my questions regarding these questions.
I am writing to report possible illegal and deceptive practices related to my Capital One XXXX XXXX XXXX store card. I attempted to use my XXXX XXXX XXXX store card online on XXXX XXXX, XXXX. I received an error message, and contacted the number on the back of my card to make sure my account was in good standing. I was told by the representative the account was in good standing, and I had a credit to the account. I asked the representative if my account number was the same number on the card, and he replied yes. After almost two hours of difficulty placing this order, I called the card company again. I was told by another representative that my card was invalid, and that they had sent me a replacement card, that was returned due to an invalid address approximately two years ago. 

The representative was unable to offer an explanation as to why I was able to use an invalid card for two years both online an in-store without issue or notification from the card company. He was also unable to offer an explanation as to why the card stopped working on this date. I have spoken with the card company- Capital One on numerous occasions regarding this account, most recently on XXXX XXXX, XXXX, and was never notified that there was an issue. I was informed I would have to wait 4 to 6 business days to receive a new card, and I would not be able to complete my purchase that day. 

I then spoke with the representatives supervisor, XXXX, who was also unable to offer an explanation. XXXX informed me that, if I could provide him with my account number, he could give me the number for my new card to complete the purchase. I then gave XXXX my card number, which the representative I spoke with approximately two hours prior confirmed was my account number. XXXX then informed me that this was in invalid account number, and unless I was able to provide him with my account number from my statement, which I did not have, he could not give me my new card number. He advised me to get a copy of my statement online, but then informed me that I could not sign up for access to my online statements without a valid account number, so he could not assist me any further. 

After speaking with XXXX, I attempted to create an online account using my card number as my account number and was able to do so- indicating that my card number is, as the first representative confirmed, a valid account number. 

My account is in good standing and the company is preventing me from accessing it, citing inaccurate and conflicting information from multiple representatives. This also presents a potentially serious security issue- if my card has been invalid for two years, why was I able to use it? If my account number is invalid- why was I able to use it to create an online account? This is negligence. 

Thank you for your assistance.
Tran Union ; Have adress on my credit file as XXXX XXXX I 've never live there. Claim i have or had a home loan I do not nor a mortage.