WillisBack/dataset-financial-user-claim huggingface dataset:
A sprint account in my name was submitted to IC Systems for collection. IC System contacted me and I initially made a payment agreement XXXX to avoid credit bureau reporting. Upon further investigation, IC System continuously tacked on charges each month with zero explanation. My principal balance would increase by $ XXXX {$40.00} each month after I made a {$100.00} payment. I disputed this balance with IC System due to their misleading representation of the actual debt amount, ( Fair Debt Collection Practices Act, Section 807, False and Misleading Representations ) and also the misleading information representatives at IC System would provide me with. Rep 's for IC would tell me to contact XXXX, while XXXX would tell me to contact IC System, and when I requested a detailed final bill of all my charges, IC System requested XXXX send me records of my phone calls for all XXXX lines on my account instead of charges breakdown like I asked. XXXX nor IC System returned my request for validation of the debt, and instead, referred it to a third party collection agency. Every action taken by IC System was in violation of the Fair Debt Collection Practices Act, Section 807, False and Misleading Representations.
Have fallen behind on mortgage due to inadequate employment. Retired person on fixed income ( Social Security and retirement pension ) and received notice of intent to foreclose by loan servicer, CHASE, on XXXX XXXX. Have active application in process for loan modification that has been dragging on for 5 months. Have submitted numerous requests to CHASE for additional information that seems to be delaying tactics. 
XXXX.
I hold a savings account with GE Capital. After I discovered I could not access my account, I called the customer service number and was informed that my account had been closed on XXXX. Nobody could tell me why, but they explained that a check was " in the mail '' for my account balance, and I would be receiving correspondence that would provide some level of clarity to the situation. 

GE Capital provided me with a tracking number for the supposed package being mailed from them. After submitting a tracking inquiry via XXXX, I learned that my check was actually being mailed to GE Capital 's headquarters. According to XXXX, that check arrived at their headquarters on Wed, XXXX/XXXX/2016 at XXXX. 

I called GE Capital back to hopefully gain some clarity on the matter without satisfaction. Was not provided a reason for closing of the account or an estimated time frame or a reasonable expectation for when I might receive my check. I attempted to escalate the issue to a " Floor Manager '' and unfortunately obtained no new information regarding what had happened or what will happen. 

The following day I receive a call from GE Capital from a representative " dedicated '' to these types of problems. I was informed that the check was in fact not coming to me. I was informed that the check was, in fact, being sent to their headquarters for a " review ''. And that after the review was complete, my check would be processed and sent to me. I was also told that I would be contacted and provided with a tracking number for the check once their " review '' was complete. Was told that I should hear from them by XX/XX/2016. 

It 's now Friday XX/XX/2016, and I 've heard from nobody at GE Capital. My account was a savings account only in which I make monthly deposits ranging from {$200.00} - {$2000.00}. 

So, without any further information, I contacted my attorney and a close friend of mine who is a XXXX. My friend has informed me that the only possible reason this could be happening is if GE Capital 's internal systems have generated a " Suspicious Activity Report '' on my account. 

Now I would like to file a " Suspicious Activity Report '' on GE Capital. Oops. Forgot ... .I do n't have the right to do something like that. I 'm only a U.S. citizen. Not an XXXX banking institution.
My complaint is against Bank of America and their handling of my mom 's payable upon death accounts. My brother, sister and I were told over the phone to come in, bring the death certificate, identification and we would be issued a check for our money at that time. Instead, when we arrived and filled out the appropriate paperwork and provided identification, they informed us that we had to wait 15 days for their legal department to review our request. They would n't say why they needed to review, but they just needed to review as " policy ''. After we objected, they said they could get us our money in 3 days. But that 's not what we were told over the phone. But it does n't start here ... when our mother tried to set up the beneficiaries for this account years ago she was told everything was set, but was always curious why not all our names were on the account. We brought this up at a branch in Florida and they said that " all the names did not fit on the line but that it 's set ''. Upon further questioning, it turns out the account was set up incorrectly, and not all our names were on there. After hours of trying to get a straight answer, and dealing with rude people, the account was set up correctly. And then she passed about five months later. Shortly after, our brother who is the trustee of the accounts, went to see the procedure to get the money at a B of A located in XXXX XXXX, XXXX. He was given a form to fill out, but then the bank representative refused to notorize it, claiming " we were not a customer of the bank ''. You meant to tell me that having more than $ XXXX in our names does not count for being a customer of a bank?? The service and ineptitude at B of A, in their XXXX, XXXX branch, their XXXX XXXX, IL branch and their XXXX XXXX branch is appaling. And what 's their resoning to keep our money for 15 days as part of " policy ''? We went to the XXXX XXXX XXXX where our mom had $ XXXX and we went right up to the teller and she gave us our money. I understand credit unions are supervised by another regulator, but the Federal Reserve should look into this " policy '' of B of A -- and what 's that policy bringing them -- probably millions of dollars in banking revenue for them. They have no right to put a so-called " hold '' on our money.
I received a letter from Midland Funding stating I owe about XXXX dollars. I called them to see if we can work something out if anything since it said I have till the XX/XX/XXXX to respond. I spoke to a representative stating they cant do anything for me as the debt is under investigation. I asked to speak to a manager and they transferred me to XXXX XXXX and gave me the run around and told me to call tomorrow. I tried to settle so theyd leave me alone but it seems they want to use scare tactics to get me to pay a full amount for a debt I alledgly owe.
CMRE Finance. XXXX XXXX. {$290.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Credit card was declined for a {$29.00} charge. Credit limit on account was {$20000.00}. Amount owing was around {$1000.00} because I had just made a payment of {$6600.00} on time and statement balance in full. Called Chase CC : they gave no satisfactory answers " we 'll make a note ''. Asked to speak with supervisor. Male gave his name as " XXXX '' and when I asked for full name, said it was " XXXX '' on his birth certificate. I asked his employee number and he refused to provide it. This company has a record of declining charges. In this case, they sent an email where I verified I had attempted the {$29.00} charge. After verifying this, the card continued to be declined. Is there any consumer protection for poor customer service like this.
I made a money transfer from my pay roll EFS card to my American Express Bluebird card as I have previously done. I made and transfer of {$11.00} on Thursday that posted on XX/XX/18. On XX/XX/18 I made a transfer of {$570.00} that should have posted on XX/XX/18 but it did not. It still has not as of XX/XX/18. American Express tells me that do not see the transaction but assures me it will be posted to the account once the technical error is corrected in there system. It went from will be deposited in 24 hours to 12 hours to I am still waiting. According to reps I am another the only one. I  have found many complaint posts and the call wait time is always over 10 minutes.
I called because my card was declined when I was trying to pay the rent on the residential hotel where I was staying and was running late for work because of it. They kept me on hold for a long time after Itold them how urgent indexed help and we 're completely inflexible to helping me. They said ... my card was deactivated and did not offer me any solution. Even when I attempted to call order a replacement card they refused! They told me that they would not use the address of the residential hotel and we 're even going to proceed closing my account against my will. I tried providing the address of my employer and the address of a friend who agreed to let me receive mail there and they are refusing to replace my card. I 'm now 2 hours late for work and getting kicked out of the residential hotel where I was living. I 'm going to have to go stay with my friend who was previously just going to let me receive mail at his house. They say they are closing my account because I ca n't provide a residential address ( I have ). Now I have no access to MY money! I called BBVA Compass bank which owns Simple Bank. BBVA offered to help me but they were unable to access my account since it was with their subsidiary. They did contact Simple on my behalf but were still unable to help and transfered me back to Simple on the same call. I spoke with XXXX in customer service and he was unable to provide me with legal documentation stating the address requirements but refused to use the address I provided. He also refused to have my card mailed to a BBVA location which was a possible solution that the BBVA rep had offered when I was on the phone with them. I Lastly I asked him to provide me the contact information for their agent of service so I could file a lawsuit and he refused to provide me with that information.
SInce XXXX i notice a few inquiries on my Credit report that i never authorize I have been calling Transunon and XXXX since than and sometimes they told me yes they will be deleted and after 30 days they are still there i called them again and they keep saying they will not delete them and they refuse to update my mailing address even after i send them fax and certified letters regarding addresses and inquiries i never Authorize in the first place. Both Companies refuse to corporate
On XX/XX/XXXX I tried to withdraw money from Coinbase. The amount was about {$1000.00} USD, located in my USD wallet. I wanted to deposit the money into my bank account. 

I initiated the transaction- a deposit of {$1000.00} into my bank account, only to learn the next day that that transaction is referred to as a withdraw not a deposit. I learned this the next day when I tried to use my debit card linked to the bank account. My card was denied because of insufficient funds. 

I contacted my bank, who identified the problem and stopped the deposit. I then tried to fix my account by initiating a withdraw ( since I needed to withdraw money and put into my bank ... not deposit money from my bank ). 

Still having problems withdrawing my money, I called coinbase and was informed that my bank was the problem. They said my bank had blocked my account on Coinbase from all transactions. I was informed that I needed to talk to the bank to fix the problem. Which I did, both on the phone and in person. 

Coinbase still will not allow me to access my money and withdraw it from their company. 

It is now XX/XX/XXXX. I have called many many times since then. It is a scam, every time I call the person tells me that they can't help me, only a specialist can. I am informed that my case is being marked as urgent and high priority. I am told I will be contacted in 4-5 days by a specialist and I receive an email to confirm this. " 4-5 days ... but it could take longer ''. 

I never receive a call. I call back and ask people to read my notes in my file. This has gone on for months. I will ask the person on the phone if they have ever talked to a specialist themselves. No. How many specialists does Coinbase have? They have no idea. No one I talk to can give me any information. They just inform me that they are marking my case as highest priority. 

I have emailed too. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have communicated that this is unacceptable from a company. I have discussed legal action. I have threatened to contact the CFPB, and here I am. 

I am at the point of pitting together a law suit.
I currently have a XXXX XXXX XXXX on a lease. I was trading the vehicle in for a XXXX XXXX XXXX. On the VW Credit website, I can receive a payoff quote that is good for 10 days. The payoff quote was {$27000.00}. I produced a digital copy for the XXXX dealer as well as showed the sales person the quote directly while finalizing the deal for the new car at the dealership. This was on XXXX. The quote expires on XXXX. 

Yesterday, the XXXX dealer notified me that the payoff quote from VW Credit was {$28000.00}. That is {$850.00} more than the quote I provided for the dealership. I went back to the VW Credit website again today, XXXX and the payoff quote is still the same as I quote the dealership on XXXX. I spoke with a VW Credit representative about the discrepency and she said the quote provided is for the customer. The dealership gets a completely different payoff quote and that quote is based on market value. I asked her that VW can bascially charge whatever it wants to the dealer regardless of what the contract says? She said yes. Furthermore, none of this is even written on the payoff quote webpage. 

I told her could you imagine if I sold my house and only owed $ XXXX but the bank holding the note felt it was really worth $ XXXX so that is the new outstanding payoff. Such a practice is illegal. At this point, I am returning the XXXX purchase back to the dealership.
My complaint is that I have an invoice that states one amount of a collection account and XXXX XXXX is reporting a different amount of {$170.00} to XXXX. I 'm disputing the entire account due to incorrect balance. I have attached the invoice that came from XXXX XXXX.
XX/XX/XXXX- SUV Reposessed by XXXX XXXX XX/XX/XXXX- Judgment placed against me by Fein Such and Crane LLP on behalf of XXXX  XXXX for Balance of Original loan less sold value, plus interest XX/XX/XXXX- XX/XX/XXXX Garnishment From wages to pay balance XX/XX/XXXX -  Called Fein Such & Crane stating my credit report is only showing a {$300.00} Balance left, after all of the garnishment Ive paid. Fein Such and Crane stated I owe an additional {$2400.00} at 9 % interest, however my credit report is now showing the repossession has been paid in full since XX/XX/XXXX. 

Ive sent requests in writing to XXXX XXXX, and Fein Such and Crane for some sort of Ammortization schedule, or some sort of proof that there is still a balance. I also requested this information on the phone with XXXX XXXX who said I needed to speak with Fein Such and Crane on the matter. Fein Such and Crane could not provide me with an ammortization schedule or information as to why my credit report balance decreased every month after payments were applied from the garnishment. They did state however that they only applied {$98.00} from the {$340.00} a month that was garnished towards the principal balance. 

Since XX/XX/XXXX, they have taken almost {$600.00} in additional garnishment.
In   XXXX   wells  Fargo  charged my account off due to not paying. Since then for the last 6 years they have been updating my account every month which from my understanding is illegal to do. I 'm trying to get a loan for a house and this is the only thing holding me back. It also shows a balance for {$7400.00} which of it was charged off i would n't owe wells Fargo. I called them recently and they are updating my address but would n't accept any money or talk about my credit with me.
In the   XXXX   of  XXXX  and again in early  XXXX  Experian experienced a database glitch that deleted my Experian Inquiries. Once the glitch was realized, Experian added them back to my report. I have placed a freeze and fraud alert on my account. I was not given written notification 5 days prior to it appearing back on my report. computer glitch was Experian 's problem - not mine - caused my inquiries to be deleted. Experian later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Experian in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that your rights were violated by Experian. Please CFPB help me make Experian stop victimizing me.I am asking that all of my Experian inquiries be deleted permanently from my report as a violation took place when they were illegally added Also the correct spelling of my name is   XXXX   XXXX   and Experian has repeatedly will not correct my name.
I opened a CITIGOLD Interest Checking Account with Citibank with a promotion that would give me XXXX to XXXX XXXX Points as promotional offer if I satisfy certain certiera with my banking relationship with them listed explicitly as - '' Qualifying Direct Deposits are Automated Clearing House ( ACH ) credits, which may include payroll, pension or government payments ( such as Social Security ) by your employer, or an outside agency. 
Qualifying Bill Payments are individual or recurring bill payments made through CitiPhone Banking ( including bill payments made using Citibank 's Telephone XXXX Bill Payment Service and Staff Assisted Bill Payments ), Citibank Online, CitiBusiness Online and Citi Mobile XXXX XXXX XXXX. Qualifying Bill Payments do not include payments made by check or internal transfer payments made to accounts of Citibank or its affiliates. 
-The bonus XXXX XXXX will be credited to your existing XXXX Member Account within 90 calendar days from the date when you completed all offer requirements. 
-To qualify to earn bonus XXXX Points, open a new Regular Checking account in an eligible consumer account package ( The Citigold ( R ) Account Package, The Citibank XXXX XXXX XXXX Account Package, or Basic Banking Package ) by XXXX/XXXX/2016. Then, within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

To qualify to earn bonus XXXX Points, open a new Regular Checking account in an eligible consumer account package ( The Citigold ( R ) Account Package, The Citibank XXXX XXXX XXXX Account Package, or Basic Banking Package ) by XXXX/XXXX/2016. Then, within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I opened the account before the deadline date of XXXX/XXXX/2016 and I satisfied two consequective months of BillPay in XXXX, XXXX, and again in XXXX Respectively. 

When I contacted CitiBANK about the status about my promotional reward, the company sent a generic message renegotiating on this term. In Addition, I have contacted the company over the phone, and after XXXX40 minutes with a representative, they would repeatedly hang up on me, leaving the issue unresolved. 

I have been very unhappy with CITIBANK, as they have not kept their promotional promise, despite me keeping my end of the contract.
A number of items are showing up on my credit report that are inaccurate. I took the time to send debt validation letters to each inaccurate account on my record. Most, if not all of the creditors never took the time to properly validate my debt. Most did not even respond to my validation letters. 

I sent a dispute to the credit bureaus showing all of the documentation ( including certified mail receipts ) in order to prove that the creditors had not properly validated my debt and ask that it be removed from my account as is my right by law. Equifax replied by mail to tell me that all of the invalidated debts were still mine and staying on my credit report. As I start to look for a house, I am sure that these collection accounts will keep me from getting a mortgage even though the debts have not been validated as is required by law.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which is showing duplicate and with different balances, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
I purchased a 78inch Samsung TV from XXXX XXXX XXXX, account # XXXX. I paid this account off in full in the amount of {$5500.00}, which is approximately {$1300.00} more than I owe. This account was paid by check from refinance of my home by check # XXXX and cashed by Conn 's on XXXX XXXX, XXXX. To date, Conn 's is still not credited my account with this money and is currently pursuing collections and making negative marks on my Credit Bureau!! I have called Conn 's on a dozen occasions and they continually call me, text me, mail me collection notices telling me I owe months in arrearages with my account! They tell me it could take 3 billing cycles for this to correct and nothing they can do. The mean time, my credit suffers, I 'm harassed and missing {$1300.00} they owe me! I have reported them to the Better Business bureau, Federal Trade Commission, and now your agency. Please help me. I also bought a Refrigerator in XXXX of XXXX and they are reporting my credit that I was late to pay when I had n't even purchased the Refrigerator at that time. 
Respectfully, XXXX XXXX XXXX
Two  men who claim to work fo r Midland Credit Management have harassed me and anyone associated to me for the past month. Calling at obscene hours in th e day, several times a day from different numbers and the most  recent two  numbers are  XXXX  and  XXXX . These men threatened my safety to me and my family members, they also threatened to defame my credit report for an erroneous debt they claim I owe if me o r one of my  family members did n't make a lump sum payment over the phone immediately. They would n't give us an address for their company and said we could n't mail a letter of cease and desist to them. They stated that they also could not send so called debt back to the originator. They even said they ca n't send any information about the debt until a payment was made.
I have a XXXX XXXX XXXX credit card offered through Barclay Bank. I never authorized automatic renew of my XXXX XXXX XXXX membership charged to XXXX XXXX XXXX credit card. Barclay Bank charged {$25.00} automatic renew fee and refused to issue refund.
Progressive Financial Services legal department mail a letter to my home claiming that I have a debt remove from XXXX credit report and that I made false letter from their company to get the debt remove. 

The company that filed the debt with Progressive Financial Services was XXXX XXXX. I contacted XXXX XXXX this summer to let them know the debt did not belong to me and it needed to be remove from my XXXX report. I am also a current customer of XXXX XXXX. I am reporting this company to the CFPB and for your agency to investigate Progressive Financial Services collections practices.