WillisBack/dataset-financial-user-claim huggingface dataset:
I was on a XXXX XXXX to XXXX. I am XXXX XXXX XXXX. I was with my partner. We were in XXXX in a store to purchase a coffee. There was a line behind us. 
I paid for the coffee and put the wallet back in my pocket. I did n't notice tilwe returned to the hotel that the wallet was stolen. I notified the credit card company from XXXX. Being on a tour we had to leave in the am. When we got to XXXX we went with the tour guide to the Police station. document attached. We also lost XXXX and XXXX XXXX in the wallet.We spoke to XXXX customer service about the card.After several calls they took the charges and fees off. The card has cash advances etc. I had card for twenty years and never had a cash advance. 
Theysent out a following letter in XX/XX/XXXX ( attached ) The letter stated we participated in the fraud by giving the card to the merchant. Total lie. How did they come up with that erroneous conclusion.. I tried numerous times to reach them. They refuse to give me a supervisors name. They transfer my call to people who do not help. 
I reached on person XXXX who said he will get back to me in 3-5 days. Ten days  ago. 
I leave messages no calls me back. 
How dare they accuse me a fraudulent behavior. I do not know anyone in XXXX. 
Economically I have no reason to steal for the company. 
They continuously give me the run around hoping I will give up. 
I want these fraudulent charges taken of my card along with the fees you are charging for the fraudulent charges. 
I have never encountered a company like XXXX card. XXXX XXXX XXXX XXXX card is trying to scam me. 
What proof could you possibly have to prove I handed the card over to the merchant. 
I would like to see your proof.You accuse people of fraudulently using the card. Produce the evidence to the Consumer Financial Protection Bureau. 
It is despicable behavior on XXXX credit card. I have been a customer for over twenty years. Not even a late payment. Maybe you think if you put enough blocks in front of me I will give up. No I want those charges taken off my account. 
There whole response in their letter defies logic. I want this fixed.The total charges are {$1000.00} plus accruing fees.
They called to inform me that an account of mine had been turned over to them. I was unaware of that being done and when I asked for a letter confirming it they said one was sent out XX/XX/XXXX. I never received it. They have contacted me twice since then and both times I asked for written verification before agreeing to make payment arrangements. Both times they pretty much refused and the one time I was referred to their website to sign in and see it online but I was unable to login at all after trying several times. The last time I was contacted I told them that until I received written verification I would not make payment arrangements, told them it was my right to do so and they were rude saying things like, " How do we know you will get the letter if you have n't gotten the last one? '' assuming that I was lying about not receiving the first communication. No matter how many times I stated my right they still kept trying to get me to setup payments.
Experian has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with response from Experian response ; Bankruptcy has been verified with US BKPT CT TX XXXX ( The Bankruptcy Courts ), which is not true because The Bankruptcy Courts does not verify credit information. Experian will not provide me with any verification of proof that I have requested. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Courts emphatically has stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
I spent several months working with Bank of American trying to get a deed-in-lieu approved for a property in a different state that I can no longer afford to keep. I spent considerable time with them on the phone and sending them documentation. It took me too long and too much time sending the documents to them over and over and right when I received the notification that my deed-in-lieu was approved and I had signed legal paperwork to get the closing done, Bank of America sold my loan to another company. This other company, XXXX XXXX XXXX, has sent me many, many pieces of mail requesting payment for the past due amount, then explaining loan modifications to me, and finally notifying me they are considering my loan for a deed-in-lieu and wanting me to send in more paperwork to them. The previous months with Bank of American never happened and the entire process starts over.
I disputed an XXXX account that is reporting medical debt in XX/XX/2018 with XXXX  and Transunion. XXXX and Transunion responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this account.
I ran my credit report in XXXX 2015 to find that the Macy 's XXXX # XXXX was still outstanding. I submitted a dispute XXXX along with documentation proving this account was closed and settled by a third party company XXXX XXXX XXXX XXXX XXXX ) I hired to clear my debt. I have contacted Macy 's several times since to clear this delinquency from my credit report. They have not cleared the status and will not provide a direct line to clear the delinquency. This company has advised the dispute be faxed. I have not received a response to the fax submitted. Please assist.
I entered into a automobile loan agreement with BHFC Financial Services  XX/XX/XXXX . I maintained a good payment history with them and any time I was going to be late (twice)  I notified the company in advance. Beginning in  XX/XX/XXXX  I made several attempts to payoff the balance of the vehicle due to its high interest rate (
I was notified by a family friend that this person called him and said that it was important that I get in touch with them. When I called it was Dynamic Recovery Solutions and I have NEVER received any call letter or any direct communication from this company regarding a debt that supposedly owe to them. I think they are using embarrassing tactics to get people to call them by calling friends and family members, really? this is invasion of privacy. In, addition to the fact that they have not sent me any communication notifying of my rights regarding this supposed debt that I know nothing about.
I purchased  US Bank pr epaid Mastercards #  XXXX  and  XXXX  with initial value of {$200.00} in  XXXX   XXXX .   I opened packages with these cards in  XXXX   XXXX  and discovered that money has already been stolen from these cards in  XXXX  and  XXXX   XXXX ! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted the merchant (  XXXX  ), they found these transactions and said that money have been transferred to a fraudulent  XXXX  account. They suspended that account, but according to  XXXX  they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.
On XX/XX/2018 I disputed an account with Experian and submitted documentation showing that the account was paid in full and settled onXX/XX/2018. On XX/XX/2018 the account came back from XXXX XXXX reporting that the account had a balance of {$2300.00} and that a payment of {$1700.00} was paid. Its reporting that 21,000.00 ( approx ) was written off when it was actually a payment from the car being sold at auction. The account is still reporting as a charge off in collections even after I submitted documentation from the 3rd party attorney representing XXXX XXXX  showing the account was settled in full with {$0.00} dollars being owed. This is a direct violation of both my FCRA and FDCPA rights. I want this account to be updated correctly or removed from my credit report.
My name is XXXX XXXX. My account number with Pinnacle Credit services shows XXXX - I was told the actual account number is XXXX. 

XX/XX/XXXX, I spoke with " XXXX '' from XXXX XXXX regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies. 

I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. 

Pinnacle Credit Services, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports. 

I called Pinnacle Credit Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX. 

I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself XXXX times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email Pinnacle Credit Services and request the phone recording from XXXX XXXX, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor. 

I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves. 

I was promised that this would be removed from my file when I paid XXXX XXXX XX/XX/XXXX.
The debt was satisfied but, the collector has failed to update in XXXX report and further failed to provide his name. When contacted about this issue on XXXX/XXXX/2015 at XXXX, the collector failed to acknowledge it and stated " its not his job to update it ''. Further, I stated that I will get in contact with " CFPB '' about this issue and he said do whatever you need to do.
This involves a fraudulently opened Best Buy Citibank card that I thought I had previously removed from my credit report. When I was in the process of applying for a mortgage, I learned of a delinquent " BBY/CBNA '' account on my credit report. Upon researching the account, I learned this was a Best Buy Citibank account someone in Georgia had fraudulently opened in XX/XX/XXXX using my identity. In early XX/XX/XXXX, I filed an identity theft report with the FTC, a police report with my local police department, I called and spoke with Citibank 's customer service, I filed disputes with all three Consumer Reporting Agencies, and I placed a fraud alert on my credit report. To their credit, XXXX and XXXX removed the item from my credit report. Today, on XX/XX/XXXX, I learned the item still appears on my XXXX credit report, causing my credit score to be 150+ points lower on XXXX than on the other two. I called XXXX and attempted to deal with this issue again. They wanted me to go through the entire dispute process again, sending the police report and FTC report again. I understand that the agent was following company policy, but the redundancy and frustration of having to go through this again is painful and inconvenient. I am uncertain as to whether XXXX never deleted this item after the XXXX dispute process, or whether Citibank attempted to re-report this account. Either way, I am now frustrated by having to deal with this again. If this does not remedy this situation, I will pursue legal action under the FCRA.
I sold a property in XXXX NY mortgaged by M & T Bank. The proceeds did not pay off the loan, {$4100.00} short although this was not a short sale, the sale closed XXXX. I tried negotiating with the bank to re-fi the amount owed, they would not help. I was able to pay them off in XX/XX/XXXX by then the amount was {$8200.00}. I was charged for {$3000.00} for property insurance and county and city taxes although I did not own the property, the new owner was on title. The taxes were paid for the new owner, double paid. I had to pay the entire amount as the property was already taken to foreclosure and the new owner would have filed a law suit against me, my attorney and real estate agent.
US Bank has engaged in an illegal criminal falsification with accounting fraud, bank fraud, wire fraud, mail fraud, and stalking involving a female employee I have never met and persists in diverting US mail, returning refused mail, falsifying claims to third persons that I " use a false address '' to the US Post office, and responds to any request that they at least get the XXXX out of my US mail with more flat refusal to comply and have " cut off all public services '' nationally in retaliation for the excessive consumer dispute required to force them to drop it as a entity that keeps claiming falsely that they have some lawful dispute that they have been " harassed '' by CFPB into dropping. 

Which is also why they divert the US mail and require that I sue them to force them to stop diverting US mail and are at this time dragging me through the Postal Inspectors and Inspector General as they contacted somebody at the Post Office to get them to keep illegally redelivering refused mail, to the point of forcing my business to change mailing address too as stalking and criminal pursuits aided and abetted by US Bank as an entity continue to be the crux of the problem and the point.
I received a letter in the mail stating I owe {$1800.00} to XXXX XXXX and/or Convergent Outsourcing, with the original creditor being XXXX. I have NEVER had any account with XXXX, let alone even knew such a company existed. This is a completely fraudulent collection done by a company in plenty of legal hot water currently. Maybe they are fishing for 'free ' money from unsuspecting consumers by mailing out fraudulent collection notices to people. I demand both XXXX XXXX and Convergent Outsourcing to cease and desist with this fraudulent collection, or I WILL seek legal representation. A collection agency can not just send out these letters claiming people owe an exorbitant amount of money to them without any legitimacy and hoping uninformed people will just pay to protect their credit!!
Checked account on Thursday, XX/XX/XXXX at XXXX, had a positive balance. At XXXX XXXX on the XX/XX/XXXX, received confirmation via email, ( have copy ) that deposit of {$780.00} was made to account. At XXXX XXXX on the XX/XX/XXXX, was notified that my account was overdrawn. ( have copy ) When I contacted B of A, was told that when an account is overdrawn they do not notify you until the next day. I was not told of this before. This also, is not the first time that B of A has done this, they continually change the rules to charge overdraft fees, this is another example. In the past, when I was notified of an overdraft, I was allowed to put cash into the account to cover these overages as long as I did so by XXXX of that day. I see that now they are not giving me that opportunity. I believe they have changed the rules to purposely charge these fees.
I was astonished when I looked at my XXXX, XXXX  and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
XX/XX/XXXX from XXXX XXXX XXXX XXXX that we could have our PMI insurance removed. We sent in a check by certified mail XX/XX/XXXX as requested for a home inspection. We never heard from the assessment agent. XX/XX/XXXX our check is returned stating that the assessment agent could not get hold of me. XX/XX/XXXX we again asked for the PMI insurance removal and sent another check by certifed mail. With a note stating that I am hard of hearing and that the agent must speak slowly leaving a message since I don't hear my phone ring most times to set up an appointment. XX/XX/XXXX sent another certified letter asking what is going on since I have not heard from the assessment agent. No response. XX/XX/XXXX filed a complaint with the Office of the Comptroller of the Currency. XX/XX/XXXX received a letter stating that my complaint filed is no longer under the jurisdiction of the OCC has to be filed with the Consumer Financial Protection Bureau.
XXXX XXXX have reported that I have opened an account No. XXXX on XX/XX/2013, for a line of credit of XXXX XXXX Dollars ( {$100.00} ). 
XXXX  clamied that I made a purchase for XXXX Dollars ( {$40.00} ). 

I did not open the account. I did not make purchases from XXXX. Also, I received no bills or any information from XXXX indicating that I owe XXXX any due and outstanding amounts. 

I only found about this account when it showed up as a negative mark on my credit report. I wrote to XXXX to request more information or copy of the bill. XXXX failed to respond. 

I disputed the matter through XXXX credit agency. XXXX refused the dispute and affirmed the negative account. 

I request XXXX to produce the charges I made and XXXX bill that it had been sent to my address of record. XXXX failed to do so and should remove the negative report.
I recently opened XXXX XXXX profile. And upon reviewing it I realized it was an account on there that I was not responsible for. Nor did I authorize anyone else to open in my behalf.
On XXXX/XXXX/XXXX my employer received a phone call from XXXX asking to speak with me. I was not working that day and when I did return to work they gave me the # and said the caller asked that I contact them right away. When I called I was told that they were attempting to collect a debt and that if I did not pay asap they would begin proceedings to have my wages garnished. They stated there was a judgement against me in the courts and that I would have to pay or make payment arrangements within 1-2 days. I told them I would need to call them back. They next called me directly on Friday, XXXX/XXXX/XXXX, and again asked me to make a payment. They offered a " settlement '' of a lower amount for which they claim I owed. I asked to have the offer sent to me in writing and provide 30 days, they told me I did not have 30 days but they did say they would email a copy of the judgement and put the offer in writing. I advised them my wife would call them back on Monday. They called me on Mon morning, XXXX/XXXX/XXXX to ask when I could make a payment. I told them my wife would call soon. My wife called XXXX XXXX Mon, XXXX/XXXX/XXXX to ask questions. They did not send me any details via email but they told her I did, they attempted to bully her into payments but she asked for the case #, etc. It turns out they were using a judgement in the name of XXXX XXXX XXXX XXXX and were attempting to collect more money than the judgement was for. They connected her and the courthouse which backfired on them as she learned she could make payments to the courthouse. She called my wife after the phone call and asked how she wanted to pay- my wife responded- to the courthouse. The woman told her she did not have time if we wanted to take the " offer '' my wife said put your offer in writing and provide 30 days and they refused. They still claim they emailed the details the previous Friday which was a lie. This companies name turned out to be Nations Recovery Center Inc in XXXX GA. The sad part of this scenario is that the original debt was related to a PREPAID credit card company- XXXX ( yes prepaid! ) that was paid down to a XXXX balance and was asked to close the account. They did not and continued to charge fees month after month until it reached an astounding amount ( over XXXX )!!
PNC has historically processed debits before credits over the weekend. Example, I start with positive money on a Friday, deposit additional money, and am hit with overdraft fees ( last time over XXXX dollars worth ) on Monday or Tuesday, BEFORE my money is deposited. 

Another problem, dispute to my debit card. I am switching Banks at this time. I had XXXX disputes pending. I had approximately XXXX dollars on Friday. They reversed all XXXX disputes at once on Friday to overdraft my account intentionally. XXXX dispute, XXXX granted a refund and PNC never credited me. I had documents and PNC claimed not received. XXXX of the reversals used to overdraft my account. XXXX at my branch faxed the evidence including my fax to PNC and XXXX email granting refund. 

PNC did not notify me if any of this, just overdraftfee my account, AGAIN. They hit my account on a Friday XXXX XXXX ) with all of these at once to overdraft me again on an account I 'm no longer using. Classic example of what they do. 

My complaint is the dispute results with evidence provided reversed, and the pattern of processing debits before credits over weekend to intentionally overdraft my account when deposit were made over weekend. 

I tried to close my account and it was refused because it 's overdraft. I had about XXXX dollars on Friday. Now it 's overdraft.
We just received a bill stating that we have not paid them in four months ( false ). We have been paying our agreed loan payments, and we have also notified them when we have had to make repairs ( for example : replace steering column ( purchased for {$85.00} at salvage yard. I also had to spend {$84.00} on renting a XXXX track to transport the part from the salvage yard to the repair facility, and {$200.00} for the mechanic 's labor ). In addition, I have also had to replace the starter ( {$45.00} for a part from an online parts house ... .a delivery that was delaved for two weeks, plus {$100.00} labor ). On the latter, I lost two weeks of work as a result ). Along with that, I had to pay {$150.00} to install a horn to bring the car up to state standards. We want our bill readjusted to reflect payments made.
Since filing chapter XXXX bankruptcy nearly five years ago, XXXX XXXX XXXX XXXX is still reported as a charged-off account on my Equifax report despite several disputes. XXXX refuses to acknowledge its participation in my chapter XXXX repayment plan. 

As a result of my latest dispute, the personal statement which appears on my report is erroneous. The statement is applicable only to the XXXX account.