WillisBack/dataset-financial-user-claim huggingface dataset:
I receiv ed 2 letters from Bank of America notifying and informing me that several claims I made with Bank of America in regards to my checking and money market savings account being used fraudulently and unauthorized and having unauthorized and fraudulent transactions and charges on my checking account,  were authorized by me and posted correctly to the account. The unauthorized and fraudulent transactions were not authorized by me. An identity thief used my personal information and my previous and current address to commit unauthorized and fraudulent transactions on my checking and savings account. I made a police report in regards to identity theft and my checking and savings account having fraudulent and unauthorized transactions that was not authorized by me. The fraudulent and unauthorized charges and transactions do n't belong to me.
We get a call from Medical Data Systems at least once every 2 weeks about a debt that we do not owe under my husband 's name. I have tried blocking the number but it still gets through. I am afraid to answer my phone as I have heard that these people will record your voice and use it for nefarious purposes.
I have disputed the Wells Fargo tradeline on my credit files with XXXX, XXXX  and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. XXXX is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by Wells Fargo. XXXX reports this account as " closed '' but like XXXX, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, Wells Fargo claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new BK status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in BK - Wells Fargo claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that Wells Fargo has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, XXXX XXXX
I paid off my Chase Freedom credit card in full AND I still got charged interest! They said it was because I needed to pay off my credit card in full two months in a row, to not accrue interest. That 's the first time I 've ever been told that!!!
I have been receiving repeated calls from Portfolio Recovery Services. I have, on several occasions, verified myself and ask that all correspondence be sent to me in writing. I have explained to them that I suffer with XXXX XXXX and that the numerous calls are making me have XXXX XXXX. However, I am receiving multiple calls from them still. I have not received anything by mail as requested. They contact me all hours throughout the day, even when I explain I am at work and try to use scare tactics to keep me on the line.
My student loan was XXXX XXXX now Navient. I called many times in the past to ask about different options because I could not afford to pay and phone representatives keep giving me the run around and they said that is was nothing they could do. I mentioned that they must have something to pay the loans back, meaning a program so that I could find something more affordable. They charged me outstanding fees on my account, told me to get in a forbearance, they also at some point when I take a break from school, had me on interest only payments. I have called many times and people over the phone have not and act like they could not give me options. They were aggressive and told me I just need to pay the money. At one point I was getting public assistance and I asked do they have something for people who are unemployed, do you charge interest if you are on a state program. I ca n't remember what year I asked the question. However, no one would help me. Private loans for Naivent aka XXXX XXXX are the worst ones to get because they originally did not explain how this effects me the in the lone run, that the interest rates change, that the loans would start getting interest as soon as I opened the loan. I was a kid still wet behind the ears, at XXXX, no kid every understands that type of information. I feel tricked and disguised with the way my loan situation has turned out and I am very disappointed that the government did not regulate private loans better to protect kids/ young adults for trickery.
An Alaskan physician egregiously billed for labs to my insurance company that were well above industry standards. This occurred in XXXX, XXXX at which time I sent a letter requesting additional information to the physician. I never received a response, and in XXXX, XXXX found the charges in collections. My insurance company paid above usual and customary. For example, the physician charged {$130.00} for a XXXX XXXX Panel. This test cost under {$20.00} in the industry. I am being billed for charges that greatly exceed industry standards. 

I 've written several times to the physician and collection firm disputing the debt and asking for them to substantiate their charges. I 've asked where do they get their charge data to what do they accept as payment in full from all payors because that is the true value of their services. For example, if they accept {$15.00} for the XXXX XXXX from XXXX XXXX, they are charging up at an enormous rate for out of network patients. The collection company and physician refuse to offer any of this information and have never responded to any of the specifics of my dispute. All they have sent is an itemized statement showing their over-billed lab charges, a copy of the form I signed regarding paying the remaining charges, and refuse to recognize and place my account in dispute. Although I did sign the form, I had no idea what the physician would have charged for services nor what would be considered reasonable for the services. The rates for XXXX are under 20 % of what they 're charging for an example. 

The collection firm has spoken to me as if I am a child in that they 've " gone above and beyond to get this resolved. '' That is false. They have provided nothing beyond an itemized statement. I will pay extra for the labs that my insurance company did n't cover but the charges must be reasonable. The charges are unregulated and excessive and they will not even consider negotiating. My professional experience has been in health insurance and health care clinics. In my role, we worked with patients/consumers to collect outstanding debts, sent monthly statements, and treated our consumers with respect and dignity. Cornerstone has done none of it, nor has XXXX XXXX office. 

I am asking for your help in resolving this and having my account recognized by the collection firm as being in dispute.
I 've discovered these charges I 've been billed for merchandise I never ordered or received. Some funds where returned but then taken away again. 

XXXX XXXX, XXXX XXXX E-PAYMENT - {$300.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$49.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$170.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$1500.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2000.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$580.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$290.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$1400.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2200.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2400.00}
This is a continuation of Case number : XXXX. Despite Bank of America being told several times that I do not use a voice telephone due to the pain it causes me to answer it, they called me yesterday regarding the complaint I filed. When they were again told that using the telephone causes pain, they still refused reasonable accommodation of communicating with me via fax, portal, text, or encrypted email, leaving only US Mail with its intrinsic delays. The reasoning that any of these other methods is less secure than communication over a cell phone is laughable and discriminates against XXXX people who do not use voice phones.
Name : XXXX & XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Country : United States Email Address : XXXX Phone Number : XXXX Alternate Phone : Contact Preference : E-Mail Institution Information Institution Name : Select Portfolio Servicing , Inc . 
Routing Number : Account/Product Type : XXXX XXXX XXXX   Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Country : United States Email Address : XXXX Phone Number : XXXX Complaint My wife age XXXX & I age XXXX, joint tenants received from SPS, Inc. our requested PAYOFF amount needed to sale our property /We got harassed on the phone & at our front door, with " collection of a debt ''!? The sale offer did not make / SPS, Inc. CANCELLED our on line access LOGIN & our mailed monthly due checks were cashed ELECTRONICALLY / SPS, Inc.  destroyed our many years perfect credit scores with a 30 days late! This is ELDERLY ABUSE from SPS, Inc. taking advantage immediately calling all times of the day, mailing & coming to our front door, with the intention to take over our property fast How can your complaint be satisfactorily addressed? 

Please remove the SPS, Inc. " 30 days late '' on our 3 credit scores XX/XX/2018 Hide additional information for activity type check XXXX ElecCheck XXXX SP Servicing DES : MRTG PMT CHECK # XXXX INDN:XXXX CO ... 
Edit Description activity type check status type icon cleared Cleared. Select to mark activity type check XXXX ElecCheck XXXX SP Servicing DES : MRTG PMT CHECK # XXXX XXXX CO ... as Reconciled XXXX XXXX Type : Check Check # : XXXX ( converted to an electronic transaction by the merchant ) Description : SP Servicing DES : MRTG PMT CHECK #  XXXX INDN:XXXX CO ID : XXXX XXXX Merchant name : get more information about merchant name change SELECT PORTFOLIO SERVICINGSelect to Edit the merchant name Transaction category : get more information about transaction category Home & Utilities : MortgagesSelect to Edit the transaction category No image is available for this check because it was processed by the merchant as an electronic transaction.XXXX Hide additional information for activity type check XXXX ElecCheck XXXX SP Servicing DES : MRTG PMT CHECK # XXXX INDN:XXXX  CO ... 
Edit Description activity type check status type icon cleared Cleared. Select to mark activity type check XXXX ElecCheck XXXX SP Servicing DES : MRTG PMT CHECK # XXXX INDN:XXXX CO ... as Reconciled XXXX XXXX Type : Check Check # : XXXX ( converted to an electronic transaction by the merchant ) Description : SP Servicing DES : MRTG PMT CHECK # XXXX INDN:XXXX CO ID : XXXX XXXX Merchant name : get more information about merchant name change SELECT PORTFOLIO SERVICINGSelect to Edit the merchant name Transaction category : get more information about transaction category Home & Utilities : MortgagesSelect to Edit the transaction category No image is available for this check because it was processed by the merchant as an ele
The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If DIVERSIFIED ADJUSTMENT SERVICE does not have any documentation other than a bill that th ey printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Usually once a year or so my cell phone company, XXXX, says I have a past due amount. I get turned into collections for a debt that is n't really owed. This is n't the first time this has happened. My XXXX XXXX app just updated my score and it dropped about XXXX points because of this.
Please consider this a formal notice and complaint for the harm caused by XXXX, XXXX and TransUnion on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies. 

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!! 

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!
they have place a debt on my credit reports of XXXX and did not call me or speak to me. plus they did not send me any verification of this debt. contract or anything.
I was working for a small business, via an online portal, based in XXXX Texas ( over 4 hours from my location ) and the owner used my information to open fraudulent credit accounts with XXXX banks, XXXX XXXX and XXXX XXXX. The account with XXXX was resolved and subsequently removed from my credit report. However, the Security team at XXXX XXXX did not resolve the fraudulent account and continues to report negative information on my XXXX and Experian credit reports. 
I have documents showing that I do not and have not lived at the address listed on the XXXX XXXX accounts. I have a notarized document signed by the individual who opened the accounts and claimed responsibility for them. I have the case # documented from XXXX County Sheriff 's Office when I reported the fraud. 
Please assist in disputing XXXX XXXX 's claim that I am responsible for the account in question. I have never, and based on this experience ( going on 2.5 years now ) will never do business with XXXX XXXX.
this credit line continues to show up on my credit report even though I have been told repeatedly that the line would be completely deleted I have a release of judgment and also document saying the credit line would be removed but   XXXX   and   XXXX   XXXX    and Experian keep reporting it. please help.
The debt is a XXXX bill which I do n't owe doing the time of this electric bill I was homeless living with friends and motels. I sent certified documentation to XXXX XXXX and the collection agency along with a 30 day dispute letter demanding that this be removed from my credit. 
I have been getting the run around from the collection agency ( BC Services ) with no response from either. the dispute letter was sent to both parties on XXXX XXXX, 2015. On XXXX XXXX 2015 I call BC service and was told they received my documents and the it was now in there dispute department to call back in two weeks. I did so on XXXX XXXX and was told there was no documentation showing where is living before. This is a false statement by them, records of hotel bills where sent at the same time to both parties. This is the XXXX collection agency in less then a year trying to collect and each XXXX I have sent dispute letter with no response. I feel this practice of holding on to debt for a short period time and then selling to another agency is unethical practice and should be investigated and stop.This has cause me to not get a loan from my credit union.
I sent multiple certified letter to Experian in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX asking to veriffy account named " XXXX XXXX '' I received last updated credit report early XX/XX/XXXX and the account still says the account was investigated XX/XX/XXXX, which means the account was never verified per my last letter. By law this account is to be removed immediately due to the account not being investigated within 30 days of my last dispute.. IN addition to this I have sent multiple letters to have this account verified. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount but the company parroting the information and not verifying. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.
have tried to settle with them and they wont except what I can afford so the threaten to take legal action and keep calling when I asked them to stop. when I did get a nicer person then someone jumped in on the line and yelled at me about the debt and told me that they will take legal action yet they wont work with what I can pay to resolve this
I have gotten calls from XXXX XXXX, Flagship Credit, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. I most recently spoke with an agent on XXXX/XXXX/16 at approx XXXX. The agent was polite and provided the above info after I advised her I was sick of the calls and was going to file a complaint. 

Approx 6 weeks ago we received several calls from this company and they left no message. When they called at a time I was home I answered a call from them, after I found out what they were after I answered some questions to verify I was not the person they were after. Some weeks went by and I started getting some calls again, no message left, again when I was home I answered the call. I told them I had answered their questions, cleared up the issue, I would not answer any more questions and to quit calling me. At this point I became uncooperative and remain so. 

A week or so passed and more calls with no message. Again when they called and I was home I answered and spoke with XXXX, this time I gathered contact information, informed her I would answer no questions and I was filing a complaint. 

I get the whole deal on collecting debts, they have a complex job but when someone cooperates, verifies some info, and continues to get calls they create a poor reputation for their company and the industry.
My business debit card was stolen. I wasnt aware of the situation until after 2 weeks of fraudulent activities. Im not sure exactly when my debit card was taken because, I dont use the card physically. Proper procedure is, if there are any suspicious activity or fraudulent purchases, that my debit card will be locked, and I will be notified. I DID NOT RECEIVE ANY ALERTS OR PHONE CALLS. The transactions start on XX/XX/XXXX and end on XX/XX/XXXX. They consist of ATM withdrawals, ATM deposits, money order purchases and store purchases. There was Fraudulent checks deposited through the ATM machines also. A grand total of {$19000.00}. The investigation was done, and Bank of America decided to close my account because my PIN # was used. I didnt think that decision was right, considering that Ive NEVER giving out my PIN # or giving anyone permission to use it. I asked Bank of America to reopen the case. Bank of America reopened the case, did their investigation again, and came up with the same conclusion. I then asked for a copy of the report. I was told that it wasnt any physical paper work, and the decision was based off the PIN # usage. I received a letter on XX/XX/XXXX stating that my account has been CLOSED, because the transactions were authorized and posted correctly to my account. On XX/XX/XXXX Bank of America excepted a deposit of {$800.00} from a disbursement from the IRS, into a CLOSED account. The payment went towards the outstanding balance. First or all, I wasnt contacted when the transactions were taking place. I then contacted my police department to file a dispute on my transactions and a complaint against Bank of America. I proceeded to open another bank account for business and ALL of them would close after about 48 hours. Now I find out that Im listed with the Check consumer beau because of the Bank of America situation. This enables me to open an account anywhere. I was then told by XXXX XXXX XXXX to register with the Secretary of State to become a XXXX, so I could use my Tax ID # for the bank account. That account closed also. Then I went to see XXXX at XXXX XXXX. Thats when I was guided on how to handle the whole situation.
I am having extreme difficulty contacting my student loan collector Navient. On XX/XX/XXXX at XXXX I attempted to contact the Federal Loan department of Navient, and after getting their automated system to understand that I need to talk to a real person I was transferred to another automated message saying that their offices were closed. This runs counter to their " contact us '' information provided online as well as in the automated message that I was transferred to, with both sources of information saying their Federal Loan department was open till XXXX on Fridays. After this I attempted to call another number, and got through to the Private Loan office. The woman I talked to said she could transfer me to the Federal Loan department, but after the " transfer '' I was met with another automated message and a dropped call. I am still trying to contact Navient, but not much is helping.
I requested the original credit application and copy of drivers license from portfolio recovery. Thier response said that they do feel the need to send me the requested information. I am legally entitled to request this information. Thier failure to provide me with this information that I requested is in violation of rights. Please remove this account from all of my credit files immediately.