WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a new account on XXXX XXXX to bank of America in XXXX Arizona. On XXXX I deposited my first payroll check in the amount of XXXX via their mobile app. When the app said the check will be held until XXXX I thought it was as because they did n't have three physical check. I did n't know the procedures of the mobile app this was the first time I deposited any monies via an app. So I immediately took the physical check to the bank and put the money into the bank. When I saw that the check showed as a duplicate I called bank of America to inform them of the issue. I was told that there would n't be a problem. The system would show the error and correct it. I was told to wait until the XXXX of XXXX in order to have access to my funds. I expressed my dissatisfaction with the extreme wait times. On XXXX XXXX I received two emails from Bank of America stating my account was below {$25.00} then XXXX dollars shows up in my account that I did n't put there. The bank could not explain it me. It was not a deposit from an outside source at all. The very next day XXXX checked my account at XXXX via the mobile site and it was said that I was now over drawn by XXXX mind you I had not used my card since XXXX. By XXXX XXXX my account stated the drawn amount was {$23.00} dollars and some change. All the while my funds are still on hold. I then proceeded to do in to the local bank of America and was told it was just how business was conducted and I would have to wait the situation out. I called my employer to inquire is the check had been payed out. My employer shows the check was processed XXXX funds had already been sent. I made yet another call to bank of America who still refused to release my funds. And still could not explain how I was overdrawn by {$23.00}. When I told them I had email to prove that my balance was below XXXX in Thursday I was told that does not matter it would n't do me any good. My money is being stolen through bank of America I have made several phone calls and have made several appearance in the local branches with no help at all. I still have my emails I will be planning on going public with a lawsuit for misappropriation of funds due to the carelessness if this financial institution.
To whom it may concern, We have been in an on going dispute with XXXX since XX/XX/XXXX which has resulted in a wrongful collection debt that has affected my fathers XXXX Security Clearance. 

XXXX has wrongfully sent our account into default despite several of my personal attempts to clear the account based on my cancellation of services request back in XX/XX/XXXX which I personally requested on several more attempts to listen to the call recordings of every person I 've spoken to within the company in attempt to prove my request of cancellation ( " this call may be recorded for monitoring purposes '' ). 

XXXX has continued to charge us for services well into the XX/XX/XXXX year for services in which we cancelled and have severely failed to provide reasonable definition as to why we were being charged. I have spoken to several XXXX members of " customer service, accounts receivable and collections '' and have received different excuses from each representative. Needless to say, two understood excuses I have received : The first - our account was never cancelled, the second - our account was cancelled but showed a debt for un-returned equipment. 

I have attached a notice from XXXX showing the start of service and also receipts for " un-returned '' equipment from the UPS Store. 

I 've asked on numerous occasions to speak to a manager in attempts to resolve the issue and was never able to reach a single one. Each representative " assured '' they showed no reason for debt and each " assured '' they submitted for a reverse of charges. That never happened and I was never contacted to provide proof. 

We believe we were never given a fair attempt to resolve this before being sent to collections and again, despite SEVERAL attempts. 

I have the names of XXXX representatives for most attempts to clarify the reason for debt and in attempt to provide proof of my rightful recordings of saying such cancellation was never given. 

POOR, POOR, Customer Service on XXXX.
The complaint I am filing is against the debt collection agency Midland Credit Management. I have been corresponding with Midland Credit Management regarding the fraudulent information they are reporting on my credit reports, regarding the claim by them that I owe {$1500.00}. 
I have sent correspondence to Midland Credit Management on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 asking them to Provide me the following documents ( see 1 and 2 below ) to substantiate their claim and they have failed to do so. I know they are required to follow the law and that law is the Fair Credit Reporting Act. I have never contracted with this company and I do not believe they can provide a contract with my signature on it naming them a party that I have contracted with. 
In all the correspondence that I have received from Midland Credit Management they say they need more information to identify the basis of my dispute. I believe all my correspondence has been clear and concise regarding my dispute of the fraudulent information they are reporting to the credit agencies. 
I believe they are attempting to intimidate and entice me to honor their presentment through fraud by omission ( failure to state a material fact - that we have no nexus nor am I obligated to contract with you ) and misrepresentation of the character and legal status of the debt in question ( which is a violation of federal law ). 

1. A certified copy ( not a copy of a copy but a notarized certified copy ) of the original paper contract from the originating creditor SIGNED BY ME specifically naming your company as a person entitled to enforce a commercial claim against me. 

2. Copies of any and all documents that assign or legally transfer ownership of the alleged debt in question from the originating creditor ( or a different collection agency or debt collector ) to your company. 

I wish for all the accounts and/or references they have placed on my credit report ( s ) to be removed immediately. I can provide all correspondence, I have sent by U.S. Certified Mail, if necessary.
I applied for membership for USAA based on the eligibility that my father is a military vet with an honorable discharge. I have been met with excuse and hurdle after hurdle, with no one being able to tell me what is wrong with my account and why I can not access Usaa.com. I keep being told my account is restricted and i went through a rigorous verification process, being asked over ten questions. I was able to successfully verify my identity but still my account is restricted and they can not tell me why.
This account was already removed due to non ownership. Account, XXXX/XXXX in the amount of {$3000.00}
This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. Zenco Collects representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.
I submitted my annual re-certification on XX/XX/XXXX. I provided all documents including a paycheck stub from my employer ( XXXX XXXX XXXX XXXX XXXX ) and noticed the payments were recalculated INCORRECTLY ( {$260.00} ). They are not following the LAW and calculating the payments based on line one of my paycheck stub which shows my XXXX XXXX monthly pay. They are not properly deducting my TSP contribution. 

I called on multiple occasions throughout XXXX and XXXX of XXXX and spoke with supervisors who told me I could not speak with the employees who perform the calculations to understand what was wrong. The supervisor called the loan processors and they said that I needed to resubmit my pay stub and identify which items are taxable and which should be deducted. 

I resubmitted my paycheck stub with clear calculations and indications as to what is taxable and what should be deducted. The recalculated my paycheck on XX/XX/XXXX again without performing any deductions. The new payment is {$410.00} which is drastically above what it should be. The company refuses to tell me how they are calculating my payments and in my opinion, are breaking the law.
I leased a XXXX Toyota Rav4. I had to pay my first lease payment when I leased the vehicle. Toyota Financial is stating they are reporting all payments to all major credit bureaus. When I got my annual  credit report this year, I noticed my first car payment was not reported on my XXXX Credit Reporting Agency. In addition to my first car lease payment was not reported on my XXXX Credit Reporting Agency. I first attempted to repair the inaccuracies with Toyota Financial Services, who  sent me a history report that shows a first payment was made of {$320.00}. In XX/XX/XXXX I disputed the inaccuracies with XXXX Credit Reporting Agency and with XXXX. I received my XXXX  Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe Toyota Financial more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to Toyota Financial Services on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. XXXX placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.
I took my son into the ER in XXXX XXXX. Considering I have shared custody, my son 's father elects to cover medical and provide insurance. My son was under my care, so I was the one who took him in. I presented the Insurance ID card from my son 's father. Later I was notified that the insurance was not valid and have been stuck with the medical bill. Unfortunately, it 's under my name. I am currently contesting this bill in court to have it paid. Bay Area Credit XXXX calls and threatens me with " escalating '' the debt because I am refusing to pay the debt that does not belong to me. XXXX XXXX told me that I needed to pay the balance and if it were him " as the child father, I would n't feel the need to pay it either. '' He told me that I need to pay the balance and then go after my sons father civilly. I can not afford to pay this bill upfront. Had insurance been active, this would n't be my fault to begin with. XXXX XXXX is harassing me and telling me that I am negligent. He refused to send me written documentation of the bill to my updated address. He is using scare tactics and telling me he " will not be able to help me later. '' I can not get this person to send me the bill and allow me to present it to my attorney.
This account belong to a third party. I DIRECTLY CONTACTED XXXX Hospital in 2014. IT WAS AGREED THAT THE INFORMATION WOULD BE REMOVED AND NO OTHER FOLLOW UP WOULD BE NEEDED. Trans union continuous to retain the negative information. This has caused me to be rejected for Loan Opportunities. This has to be permanently removed from my credit history.
I applied for a personal loan in the amount of XXXX for a XXXX.I never went back seems like XXXX charged the XXXX XX/XX/2013 and I just found out after getting collection notice found out it was from XXXX office Almost 4 years later.XXXX has reimbursed the $ But I have a collection with all XXXX Bureaus.As of yesterday the dental office paid back the XXXX I never received or got work done for this is XXXX XXXX XXXX in XXXX XXXX Ca collection agency is Portfolio Recovery Associates.
I asked for a rate reduction on my line of credit and received First time : We regret that we are unable to offer member-initiated interest rate reviews on our Checking Line of Credits. The interest rate assigned at the time of the approved application will be the interest rate until the account is closed. However at the discretion of the Board of Directors, they may adjust this rate, as with all Navy Federal rates. Any decision regarding adjustments will be based on a number of factors, including fairness to our members, current economic conditions and the overall competitive picture. Navy Federal may change the terms of the Checking Line Of Credit by sending written notice to the member at least 45 days prior to the date the change becomes effective. 

Second time : We regret that a more favorable reply could not be made to your rate reduction request. Your feedback regarding your experience with our members service representatives have been brought to the attention of our training staff who will review the matter and follow-up with the personnel involved. Every effort will be made in the future to provide you with the prompt and efficient service to which you are entitled as a member of Navy Federal. 
Third time : We are unable to revert your rate due to not receiving a lien recorded title for the XXXX  XXXX. Once the lien recorded title is received, the interest rate will be reverted back to the Collateral rate. If we can be of further assistance, please let us know. Thank you for your membership. 
Fourth Time : Thank you reaching out for clarification, there was not a title lien on your Checking Line of Credit ( CLOC ) as we don't have collateral CLOC products. 
Regarding changing rates on CLOCs, unfortunately, we are unable to offer member-initiated interest rate reviews on our CLOCs. The interest rate assigned at the time of the approved application will be the interest rate until the account is closed. However, at the discretion of our Board of Directors, they may adjust this rate, as with all Navy Federal rates. Any decision regarding adjustments will be based on a number of factors, including fairness to our members, current economic conditions and the overall competitive picture. Navy Federal may change the terms of the CLOC by sending written notice to the member at least 45 days prior to the date the change becomes effective. If you have further questions, please let us know.
I have a Wells Fargo Propel card with statements closing on the XXXX of each month. 
On XX/XX/XXXX I have noticed that my statement has closed and made required payment ( XXXX dollars with XXXX minimum due ). 
XX/XX/XXXX statement shows payment in transactions - yet still marks account with no payment received and assess XXXX late fee. 
On XX/XX/XXXX, I call CS to fix the issue and told that I have made payment " too soon '' -  even though it is clearly some sort of the system issue on WF side. 
No apology was offered and no assurance that my credit is not damaged - even though account was marked as 30 days delinquent - as my direct request to submit corrected info to credit bureau seems to be ignored.
On   XXXX   XXXX   , 2017, a bu yer purchased a used  Zip Drive from  me for {$20.00} on   XXXX   and sent their payment through  PayPal. This also included the shipping cost. Afterwards, PayPal took a fee of {$.00} from the purchase which left me with a pending balance of {$19.00}. T his led me to having to pay for the shipping cost of {$6.00} on   XX/XX/XXXX  , and not the buyer, an d PayPal said that I would get the money for shipping from the pending balance after the item shipped. Well, now the drive has been delivered, and I still have n't gotten any of the money from the pending balance.    This leads me to my next point. After I purchased the shipping label, I asked them when I 'd get the money, and they basically said within 15 calender days. I received this message on   XX/XX/XXXX .    Finally, the item was delivered, and I still have yet to see any of my money. Apparently you can only get your funds 21 days after the sale, 3 days after the item has been marked as delivered, or after the buyer has left a positive review for the item.   Well, none of these have happened yet, and I would like my money.   PayPal is treating it like it is theirs when it is not, and I 'm pretty sure it 's illegal for them to hold people 's funds. Also, if they stated this somewhere in the fine print, then it must be pretty obscure because I never saw anything saying they would hold my funds.
( In my images, I crossed out the   buyer 's info, but I can provide original screenshots if neede
d. )
While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.
So I was sent a promotional code to get a capital one card. I got approved for the card. I called to activate my card. I was then transferred to the fraud department. As told to me that thousands of others used that code. However that does n't apply to me what thousands used when I was sent a card. However I was transferred to the manager and all that was needed from me was to show proof of my identification so I scanned and sent my social, and driver license that has proof of my address. So my card was activated. The next day I used my card however I tried to make a purchase yesterday after I got off work and tried to make a small gas purchase my card was declined. I called capital one and it was told to me my account was closed. I spoke with a representative and then ask for a supervisor as told to me from the supervisor there 's nothing no one can do about my account being closed. However the day I was approved for the card I got a hard inquiry on my credit report. I received my cycle date, my payment date, and the ending of the o % interest rate date. I sent in my personal information to verify that it was me that applied for the card. From reading the Credit Card Act of 2009 I think you guys not only broke the law but violated the Act.
XXXX synchrony bank i purchased a tv online then called this bank to see if i got the 18 mo. no interest. they told me that online purchase did not qualify. i went back to XXXX to cancel well within the XXXX minutes they allow and before the item was shipped. i was able i thought to cancel. the next day i received an email saying it was shipped so i called synchrony bank the person told me to not take delivery so i did that. this is the description of that transactionXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Date XXXX/XXXX/2015Location XXXX XXXX XXXX, XXXX, AR, XXXX $ XXXX Number XXXX XXXX XXXX XXXX tv they said it would take 60 days to review, well after many calls i am no where near the end. they said the charge would remain in dispute without charge. i do not like to see this XXXX on my statement after XXXX days. i have paid my balance down early to get these people out of my life. i now have overpaid my account minus this charge. i also have a copy of the XXXX tracking of this item stating it was refused and sent back to shipper XXXX/XXXX/2015 which i told the bank. my thoughts are they are kiting this money at my expense.
I missed a morgage Payment over a year ago and have been trying to pay it back, I offered a XXXX a month and was told no, I finally made arrangements with one of their Agents, and it was doable for me, I am paying off other debt thru XXXX XXXX XXXX, I am trying to do the right thing. Than they tell me no it was Agent error and I have to pay an extra XXXX a month!! I missed one morgage payment in my entire life!! I have asked to have the payment tacked on to the end of my loan? Why not? All I get is you have to modify your loan which I have tried but they say I never sent the paperwork in properly, even after I got a non profit document co to submit it for me! One of their agents said they could take my home! How dare her! which I doubt missing one payment. I got a new job things are looking up but I can not afford to have so much taken out of my paycheck! Add to the end of my loan!! I have attached the payment plan I first agreed to and the second document is the plan they said I have to abide by. I had XXXX and when I missed one payment they sold me to Seterus. Thank you.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from XXXX, I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against EXPERIAN in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you
I will need to send you the information because it takes place over several years and will not fit in this space. Happy to provide it, just not enough room here. Thanks.
For the last XXXX years since i graduated XXXX, i have not been able to receive a copy of my free annual credit report, or my credit score. I have not taken out any mortgage loans, but i have reason to believe someone has taken XXXX out in my name. The information i input into the system is not matching up with what the credit bureau has, even though my information is accurate. This leads me to believe there has been some fraud going on. I need to be able to look at my credit report to see what is on it. I am XXXX and can not get a credit card. I do n't want this to happen to any one else.