WillisBack/dataset-financial-user-claim huggingface dataset:
I was getting ready for work this evening and was caught off guard by a notification on my phone saying that my checking and savings through Bank of America was below {$25.00}. Naturally, I frantically went to the application on my phone and looked at my account. It had somehow went negative and the entire balance of my account was on hold to be withdrawn. My next reaction was to call the bank and inquire because I had no idea what was going on, I spoke to someone on the general customer help line and instead of being helpful he keeps asking me if I am 'aware ' that my account has been overdrawn and accused me of over drafting on my account, which I clearly had not because earlier in the day my account was fine. So, in addition to having my entire balance being withdrawn I 'm negative for these alleged overdraft fees as well. He tells me to call their bank fraud hotline, which I did and the guy on the phone was only slightly more helpful he told me that the charge was a " garnishment '' and gave me some random phone number to call. At this point I 'm beyond frustrated and puzzled so I call this number not sure of who I 'm going to get on the other line, it turns out to be some sort of debt collection law firm. Of course I both call them leaving a message and send an e-mail telling them to contact me immediately. I explained the situation and how I have no idea who they are, what this is for, and that by draining my entire account I 'm left temporarily destitute. Anyhow, I did more researching and this 'garnishment ' apparently was from a credit card I stopped paying when I was XXXX years old, so this was 8 years ago. My question is what on earth do I do? Is there anything that can be done through my bank? What is my next step? I 've been doing a lot of reading and if there was a judgment made on my debt, I was n't aware of it or properly notified. If I were able to afford to pay off the debt I would have. I just graduated and have a large amount of student loans, not to mention all of my other monthly expenses. What about the statute of limitations, in my state it is 7 years and my last payment on that credit card was 8 years ago. This company is supposedly located in Missouri, XXXX XXXX XXXX and their statute of limitations in that state is 10 years. The law firm representing them is located in my city and state. Does this make a difference? What are my rights and what can I do to get myself out of this terrible situation and get my money back?
Equifax mishandled my information which has led to a breach that put myself, my family, and millions of others at potential risk. Further, Equifax has failed to professionally handle the reporting of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I was never the recipient of an email, letter, or phone call notifying me that my personal information was stolen, and instead found out via social media.
Last year XX/XX/XXXX my city replaced my sidewalk. The bill for the replacement was added to my winter tax bill which increased my taxes from {$87.00} to over {$1600.00}. I was well aware that this would cause a shortage in my escrow therefore increasing my payment per month. Upon receiving my escrow analysis statement I realized Loancare was still anticipating paying {$1600.00} the following year XX/XX/XXXX. I called and explained the situation at which time I was told to send in my tax statement to have this corrected. I sent in my tax statement, HIGHLIGHTED the tax amount and wrote ( with arrows ) what happened and to please adjust my tax collection and run a new analysis. A new analysis was ran but the tax amount was still set at {$1600.00}. I called again but there was an extensive hold time so I decided to leave it be for now and consider it a savings account until XX/XX/XXXX. Winter tax statements became available XX/XX/XXXX, I attached a copy of my XX/XX/XXXX statement requested my taxes be adjusted and a new analysis ran. The taxes were not adjusted AGAIN an analysis was ran and my account still shows I have a shortage. I called was transferred twice and was told I need to submit a written request. How many requests does it take to get this right?!
Spent a XXXX on a simple credit score check. Was somehow automatically enrolled in and charged extra money for services I opted out of. Only discovered that I was enrolled after receiving emails with a detailed credit report and seeing charges for {$20.00} plus dollars in my bank account. This also happened to my husband and we had both opted out of these extra services but still were enrolled in them anyway.
I was contacted on XXXX XXXX, 2015 in regards to a past due payment. I notified the gentleman on the phone that I had scheduled a payment through their online system to come out XXXX XXXX. This gentleman said that he had no record of a scheduled payment, and that I needed to set up a check by phone. I agreed as long as the payment would not be taken out twice, as well as discussed a plan to bring the account current. On XXXX XXXX, both payments were taken out of my account, overdrawing my bank account to the tune of {$500.00}. I contacted Chase and the rep I spoke with sent me through XXXX tiers of management and promised me a call back about a refund that needed to be approved. I called today to find out what the status was, and was informed that, even though they took the second payment ( I only authorized ONE payment ) it would put the account past due and they would not issue a refund. I expressed my concern with this, as I still sit here {$500.00} overdrawn in my bank account, and was basically told, on the bright side, your account is current. No offer to rectify the issue that THEY took a second payment that I did not agree to.
I received a bill from Wakefield & Associates in XXXX 2016. I immediately wrote back that I disputed the amount, explained that I had also disputed the amount with the original creditor, enclosed a check ( which they cashed ) for the amount that I did not dispute, told them not to contact me by phone, and provided my current address for future communications. I heard no more from them until yesterday, when I got home from work and found a message on my answering machine ( which is a shared phone with my adult son and my boyfriend ) stating that the call was from Wakefield & Associates and that they were debt collectors. I called the number they left ( from my cell phone ), verified the number that they had called, and the man said, " Is this [ your name ]? '' I replied that it was and asked why they called. He stated that they needed further information to verify that they " had the right account, '' at which point I told him that they had all of the info that they needed, that he had verified that they have the " right account '' by asking if my name is [ my name ] when I gave him the number that they had called, and told him to mail me any communications. I also informed him that they had violated the FDCPA, and he said " No, we did n't. '' Well, yes they did, as I had informed them in writing that they were not to call me regarding this disputed debt. Not only did they call after I asked them not to, but they left a message on a shared answering machine. In addition, at no time after I paid the amount that I did owe, did they send me an updated bill or amount due. I received absolutely no communication from them since I wrote to them in XXXX and they cashed my check in XXXX. This is a clear violation of my rights under the FDCPA and I intend to pursue my legal options.
I have been contacted by Trans World Systems. They ask if I am XXXX XXXX and then I said Yes. They said they are calling for XXXX.I ask who they are and they tell me they can not talk to me unless I give them my birthdate, last 4 numbers of my social security number and my address. I only know XXXX XXXX as they were my XXXXYear old mothers pharmacy which she owes a small bill which has been disputed. I have not received any letters in writing and my mother is ill and uses my address. All her mail comes to me. I do not know for sure if this is a collection agency, if they have my mothers name. They are calling 3-4 times a day on the XXXX  number and XXXX. Trans World does not come up on the phone screen only XXXX Fl on the cell with a NY # XXXX  and on the landline-XXXX, fl,XXXX. As they do not say they are a collection agency, they could be scammers. I keep asking them to send me a letter.
On XX/XX/XXXX i called in after finding out that this collection account was still on my credit report. On XX/XX/XXXX i called in when finding out that this was on my credit report and paid the balance owed. I was told that this was going to be removed once paid. Only to call Macys and find out why it was still on there I emailed the CEO and XXXX called me on his behalf. She confirmed that the account was paid via email but not removed. " RE : Macys Account Ending In XXXX Dear XXXX XXXX : This letter will confirm that a Macys account ending in XXXX in your name, had a balance of {$320.00} and was charged off on XX/XX/XXXX. On XX/XX/XXXX, the account was settled for an amount of {$160.00} and that amount was paid in full on the same day. If you have further questions or concerns, please do not hesitate to contact me at the number below. Sincerely, '' I am in the process of buying a house and this is really impacting me for getting approved. I am requesting that you please remove this debt AS i WAS GIVEN FASLE INFORMATION. XXXX XXXX Macys Executive Office Phone : XXXX
Issue  with Fedloan. Is sue since  XXXX   XXXX  regarding an incorrect interest balance. In  XXXX   XXXX  an incorrect amount of interest capitalized on my account. I was on an income driven repayment  plan ( pay as you earn ) and was determined to pay {$0.00} a month in payments and the government therefore woul d pay my interest from  XXXX   XXXX . This did not happen due to some error, and so at the end of the yea r ( when I switched to a new repayment plan that required me to make payments since I was now employed ) the amount was put on my account and the interest capitalized. I had to make numerous payments to pa y down that interest beginning in  XXXX   XXXX . This was interest that never should have been there, thus those first several payments would have been going to pay down the loan principle, but instead had to go towards the interest that should have never been there. I have been told via phone that this will be remedied although the exact timeline is uncertai n ( Granted it w ill be 2 years of this issue in  XXXX   XXXX  ). I recently received written confirmation stating that, " Our records indicate that you will be granted the interest subisdy for the period of  XXXX  of  XXXX  to  XXXX  of  XXXX . We do not have a timeframe or amount for this yet, but you will be notified once it is completed. '' I do not understand where this timeline of  XXXX   XXXX   XXXX   XXXX  comes from. There was also no written confirmation verifying the amount of repayment, nor how it was calculated. I am worried that simply granting me the interest subsidy that was lost is not enough, since it ignores the fact that my initial payments in  XXXX  would have otherwise been able to go towards the loan principle. Because they instead were forced to go to the interests that should n't have been there in the first place, the repayment life of my loans has been prolonged by more than just the amount of the missing interest subsidy.     I have been documenting this process and been met with inadequate, vague responses, or no response at all.
US Bank had me online case about there website and app not working properly I explained everything what the problem was that my iPhone will not load the site properly on wifi and on XXXX and I told them that the error was still occurring after the update of US Banks banking app I told them they need to do a update or a server maintenance but when i called a week my case was closed and my problem was not resolved they told me to call XXXX and My Carrier but they say call the Software Developer ( US Bank ) to fix this issue and they refused to fix my problem with a update or server maintenance and as a consumer i want to speak to that department with phone number or a call back and the person who never tried to acknowledge my problem his name is XXXX XXXX
I'm really disappointed in Capital one, they don't want to follow protocol the FCRA puts forth. They just verify everything and don't do an actual review of the concern at hand. I have sent in several requests for the bureaus to do a review of a late which is reporting in XX/XX/2016 each time Capital one responds with needing more information. I provided all my personal information which i'm sure the bureau sends over since I get a response from capital one so they know which account i'm referring to. Instead of doing an actual investigation they just spit out a letter either requesting information or saying they responded already. This isn't the case never once did they do an actual review since they always claim to need more information. 
In the letter which is from XXXX it says they responded in XXXX I never got a response.
XXXX XXXX is showing a 10-year-old debt under XXXX that I do not have. I tried to file a dispute with XXXX but as soon as I hit enter on their form the dispute form submission request was rejected because there is no account number, it does not exist on their records nor can I enter a complaint number which they will not issue to me without filing the complaint form. However, within one second I received a harassing phone call from ERC asking me to verify my address and other personal information. I want XXXX & ERC or whoever they are to remove that debt from my personal records without having to pay them the monthly subscription to their services that they want from me to be able to review their bogus records. Who are they and why are they allowed to conduct these kinds of businesses? Why are they allowed to make money by harassing people without proof of debt? Please advise ... Thank you, XXXX XXXX
My problems started when I got sick bank of america started to deny any help  2007 I   feel they discriminate again me because they alway have excuse for not helping me with with my morgage I have to pay a lawyer to get bank of america out of taking my house away they discriminate against me become I have  XXXX  and the true they they responsible for my   XXXX   and   XXXX   I did n't have this issues before I only had fiscal problems at the beginning my heath problems I was hoping to have  XXXX  and go back to work but they play with mi mind so much that I have gotten feel so badly that I have been in the hospital for trying to end my life I do n't understand why they can do anything they want and get away with it .I hold them responsible for any thing I can do to my self become of this fraud they are committed against me
I used XXXX to purchase concert tickets through PNC and it turns out it was a fraud. I contacted PNC and they told me there is nothing they can do about it. The transfer was still pending and they couldn't stop it. I sent {$170.00} and PNC just told me " oh well ''.
I have a checking account and see a monthly charge of {$5.00} labeled Online Bill Pmt Billingfee. I do n't know who is doing the debit and when contacting the XXXX with the Company ID I am referred to XXXX then XXXX. They claim I have been misdirected and I contact my bank again to no avail.
I get at least over XXXX calls a day from the same people with different numbers. They wo n't say anything when I pick up either. They all begin with area code XXXX & the prefix is always XXXX. The caller ID information states that they are from XXXX XXXX, TX area. I have received phone calls from them at XXXX at night & calls as early as XXXX in the morning. I also get calls all day long while I 'm at work. I received XXXX calls alone from one number XXXX XXXX XXXX in one day on XXXX XXXX, 2015, XXXX call from ( XXXX ) on XXXX XXXX, 2015, XXXX calls from ( XXXX ) on XXXX XXXX. Other numbers they have tried to call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This needs to stop immediately.
I have medical insurance, XXXX XXXX XXXX XXXX XXXX Illinois, there is an unpaid amount of U {$1500.00} because the bill was never submitted to them. I already tried several times to call the XXXX XXXX XXXX XXXX TEXAS, but they do not take proper measurements to receive the bill from the Medical Insurance instead they sent the bill to a Collection Agency. I and the Insurance already gave the policy number and ID number so the bill can be paid.The Collection Agency was already notified too.
I have disputed an XXXX credit card with Equifax on XX/XX/2016 that officially XXXX is reporting as being charged off. they have sent me back an updated report stating that XXXX verified it. 

I have send them a new letter requesting how did they verify this. How could they have verified it if after multiple attempts to get XXXX to send me proof they were not able to send me any proof that this account has anything to do with me. 

Equifax has meanwhile ignored my letter and is still reporting this inaccurate information on my report. 

I request that Equifax send me proof of how they verified it. just speaking to an XXXX repesentive that looks on computer screen is not enough. 

I request to get either a copy of contract, settlement or some other proof that this account is anyhow related to me. if they verified it by telephone, I request the NAME and direct extension of the XXXX Representative and what proof the Representative said they have that this information is accurate. 

this is my final attempt to settle this dispute out of court. If i do n't get proof of how Equifax verified this account and Equifax will still keep on reporting this inaccurate info on my report, I will sue them in court for violating my rights under the FCRA and for financial loss because of their violating the law
As of XX/XX/2018 I have tried for the 1000th time to gain access to my Equifax credit reports, I have submitted my PROOF OF IDENTIFICATION on more than one occasion, I have submitted my id, social security card proof of address. I am MAKING a complaint because they are charging me {$29.00} a month and I can't access my EQUIFAX credit report with the confirmation numbers they have provided! 

Again, I have tried to access my credit reports ONLINE since XXXX OF 2018.
I made a purchase with B of A credit card and paid off balance from XXXX XXXX checking account. Cancelled purchase on XX/XX/XXXX2019 and contacted B of A and asked them to return funds to XXXX XXXX checking account. We were told the transfer would take 5-7 business days. The funds were not transferred back so my wife called B of A again and was told funds are in process and again would take 5-7 business days to be transferred. Waited again as of today XX/XX/XXXX2019 the funds were still not transferred. My wife spoke to Supervisor XXXX from the XXXX New Jersey office and again was told funds are pending and would be transferred in 5-7 business days. This was the second time my Wife spoke to Supervisor XXXX prior to speaking to other representatives the last couple of weeks. Please see their reference number XXXX.
on XX/XX/XXXX, i opened a complaint Case number : XXXX in this i showed that stanislaus credit control had deleted and reinserted XXXX collections without sending the proper reinsertion notice within XXXX days ( which is required by law ). the response i recieved on Case number : XXXX was that they were going to look into this. It clearly has been more than XXXX days, and yet XXXX of the claims is still illegally on my credit reports for {$220.00}. stanislaus credit control has broken the law by deleting and reinserting these accounts mutliple times ( i have proof of this ) not sending a reinsertion letter. i recieved a copy of XXXX bills from this company that did not validate any debt as it was a copy of XXXX bills .... both without signatures and broke hippa as the line that shows that it was ok toreleased info to process the claim was blank. i will be seeking legal remedies if this is not resolved immediately
A woman named XXXX XXXX called me stating there was a pending fraud case against me stemming from a deposit that had been red flagged as fraudulent. She did not state what organization she was affiliated with. When the call came through originally I did not answer it as it came up " anonymous '' on my caller ID. 

I did not find out that she was with the Eastbrook Group LLC until I called the XXXX XXXX number she left in the very threatening sounding voicemail.
XX/XX/2018 I sent out a certified letter to Designed Receivable Solutions which stated to verify the debt that they're claiming to belong to me. I also informed them that while they're given 30 days to have the original documents stated in the letter they are not to make any changes, pull or update my credit. They did it anyway and hurt my changes of getting any credit. NO RESPONSE from the company but they made changes to my account when I specifically told them not to. That alone broke the rules of my rights under federal collection laws. XX/XX/2018 I contacted the company again via certified letter stating the same request. They still haven't responded. and yet they continue to damage my credit this company stated that I owe XXXX that went up to XXXX, with no original documents and no responses.
This was a number I 've had for 10+ years, and for a debt that is not mine. Nor do I have an association with the individual the caller is attempting to reach or the county that is referenced. 

The call was from XXXX, which a XXXX search identifies as owned by National Bureau of Collections in Oklahoma. The call was received on XX/XX/2016 at XXXX. 

Caller states the call is for a male named XXXX XXXX (? ). Caller identifies herself as XXXX XXXX. She states XXXX XXXX has an outstanding warrant in XXXX County and needs to contact her by XXXX.Caller directs XXXX XXXX to contact XXXX, extension XXXX. 

At no time did caller identify her company.
Attempted to refinance. had conflicting information and a manager explained discrepency but put through a request to settle and stated she would call me back. much back and forth, many promises, gave a settlement but refused to offer any proof of it, verbal words only which new lender could not act upon. Took two months and many times of me calling back because i did not get call backs. Told that late fees and credit reporting would be take care of per them. more missed callback and failed communication. From XX/XX/XXXX to XX/XX/XXXX and payments made BUT applied to principal. Despite my stressing a sense of urgency every 2-3 day promise was more then a week and I ended up having to call back. DID respond via email to my new lender stating they would look into accommodating their request and get back in 2-3 days which they never did, nor did they respond to followup messages. New lender did not process anything due to their failure to respond w/o entire offer finally fell apart. Chrysler then offered a two month payment waiver to eliminate need to back-pay the time this was being negotiated, but failed to send paperwork to do, also promised would look into waiving insurance for that period and get a manager to contact me back in two days. Which again did not happen and when i called back was told they had decided to decline sending the exception after all. Chrysler is refusing to do anything to make good on their issues and is listing me as past due with late charges. My XXXX credit score is also now XXXX which leaves me unable to have any further loans and also impacts my small business credit score as well.