WillisBack/dataset-financial-user-claim huggingface dataset:
I was first contacted by XXXX XXXX on XX/XX/18 from XXXX, when I called the company back I talked with XXXX who informoed me I owed {$440.00} to XXXX XXXX XXXX   XXXX then hung up the phone. When I called back XXXX took my call, I had to verbal ask XXXX to stop yelling at me as she was being loud and abusive in tone. She threatened to sue me and garnish my wages. She told me she would not send me a validation letter she told me she would put me down as a resfusing to make a payment and told me she would tell XXXX XXXX XXXX to just go ahead and sue me. She refused to give me the companies professional license number and told me I could look it up on their website ( XXXX ) which I looked but can not find. When I asked for the website she told me, " are listening to me I already told you the website name! '' She then told me she would block my number and she would just sue me instead. When I asked XXXX for a vaildation of debt letter she told me " that I wasn't getting anything ''. I was contacted again my XXXX on XX/XX/18 he stated I owed {$440.00} again and told me he would take {$100.00} down on that day and I could make payments for the rest. I asked again for a written validation letter but they refused and would only send it by email. When I told him I couldn't pay that right now he told me he would let me pay {$320.00} when I again told him i couldn't pay that and asked to speak to his supervisor I was again threatened and was told by XXXX " oh believe me you don't want to talk to him '' when they supervisor came on the phone he told me I again owed {$440.00} and if I can't afford then I can't afford all the money a lawsuit would cost and that a lawyer would cost me {$200.00} or {$300.00} an hour and that they will sue me. When I asked about paying that amount XXXX told me about before ( {$320.00} ) the supervisor then told me I should of taken that offer then and now I owe the {$440.00} again. I then told them I couldn't pay that today and hung up the phone. XXXX then called me back a second later stating I could pay {$390.00} when I asked why I couldn't pay the {$320.00} as stated before he informed me that his supervisor overruled him, when I asked why he then hung up the phone on me. XXXX XXXX have been nothing short of abusive towards me. They refuse to give me their license number and refuse to send me a written debt validation letter. They yell and threaten me with every phone call with wage garnishment and expensive legenthy lawsuits. They use abusive language and keep changing the price I owe them based on their emotions towards me. They call me and leave voicemails stating how important it is that I call them back then they hang up on me. They are using scare tatics and threats and causing me a great deal of stress
I have asked Experian to provide the Method of Verification on several items on my credit report. They keep sending me emails saying that the items have been verified however have failed to comply and are in violation of FCRA 611 ( a ) which provides that a consumer may request a description of the procedure used to determine accuracy and completeness of the information ... '' They have had more than enough time as I have sent letters on XX/XX/18, XX/XX/18 & XX/XX/18 and continue to receive the same computer generated letter. I demand that the following items be removed from my credit report : XXXXXXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXXXXXX XXXX XXXX   XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX UNVERIFIED ACCOUNT XXXX.XXXX XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX   XXXX UNVERIFIED ACCOUNT
I have a dismissed Chapter XXXX that has been removed from my XXXX and XXXX credit reports however, it is still reporting on my Equifax credit report. XX/XX/2016 the dismissed Chapter XXXX no longer reported on my XXXX and XXXX reports. I contacted Equifax and spoke with several representatives and a supervisor. The supervisor informed me I could call back XX/XX/XXXX/XX/XX/2016 to request the item to be removed as it would be closer to fall off date. When I called today XXXX/XXXX/2016 to request the item to be removed I was told it stays on report for 10 years. This is not was I was told earlier this year and it is not what the other credit bureaus are practicing. Any assistance you can provide is appreciated.
I have asked Merchant & Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
My mother died on XX/XX/XXXX of XX/XX/XXXX. I have been using the joint account that she, my brother, and myself have shared while I was her XXXX for about 10 years. I have been on the account for 20 years. I have her will in probate court, but my attorney is lackadaisical about the matter. Over the course of the past 2 weeks Bank of America has frozen my checking account twice for no apparent reason.They seem to need information about my brother, but ... my brother has no interest in this account. He has not lived here for 27 years. On XX/XX/XXXX my account was frozen by BofA with NO notification because they needed some sort of information about my brother .... I was told it was rectified. This morning my account was frozen again. XX/XX/XXXX. Apparently, BofA needed some sort of info regarding my brother they never worried about for the past 30 years. I have spent 4.5 hours on the phone today just trying to figure out what BofA wants, called my brother and went to the bank ... The " financial center manager ... ... XXXX XXXX '' sort of helped me but, he pretty much brushed me off. I deposited my mothers life insurance policy into this account last year, just to cover basic utilities. Gas, water, electric, and phone ... ..While I finish college and clean out the house. No one has needed any information about my brother or myself until this year. 30 years. The insurance check was to me. I find it morally reprehensible that a bank I have been dealing with for the past 10 years freezes my account due to information about my brother they never needed before. He hasn't changed and he just spoke with them last week. Seems to me BofA just wants to steal money. 

Thank you very much, XXXX XXXX XXXX.
I have contacted pro collect to try to settle/pay debt off owed. they gave me a settlement amount to pay, that is still more than I can afford in a one time payment. I tried to pay a lower amount and they refused to take it saying I do not qualify for payment plan. I accept this, but would still like to pay something so I can begin to lower the debt and they refuse to take any payment other than full amount. they told me that due to the fact I can not pay now they will be pursuing other collection actions. when asking what they were going to do and trying to ask questions they informed me that they did not have to answer my questions. XXXX XXXX has since began calling me to collect and I still can not pay the amount in full since it has been two days.
Dear Sir, Citizens Bank did not answer my previous Grievance related to XXXX Check Deposit and Check Clearance Records are missing in my bank records and statements. I have deposited XXXX check to my check-in account on XX/XX/2018 with check image option. My address is same since the day I opened the check-in account with Citizens Bank. Could you kindly direct citizen bank to update XXXX check number and scanned copy of the check, which are missing in the citizens bank statement and online transactions. Tampering and manipulating the check details comes under forgery, also its unlawful and illegal for missing the XXXX check number and scanned copy of the check in the account statements/check clearance records.
I got a notice on Friday stating I owed money for medical bills. It went from XXXX to over 1200. What was a simple blood test, turned into a huge loss. I called Monday morning to make a payment. I paid XXXX to them. Tuesday morning I woke up to see my bank account drained. I called my bank who stated it was the collection agency. I only authorized the XXXX to be paid. They took everything I had without any legal authority.
There is incorrect information on my report when I dispute it, I was mailed a letter stating that is was verified, when there is no way the could 've verified it, I contacted the clerk of courts and they stated they do not verify anything over the phone or by mail the only way would be to come to the office with the social and it was actually have to be the person in question.
I received a phone call @ my place of work from " Fidelity Creditor Service ''. A woman by the name of XXXX informed me that I owe a debt that originated in XXXX from the year XX/XX/XXXX the company 's name is " XXXX XXXX XXXX ''. She claims that it is for {$22000.00}. XXXX proceeded to threaten me with a judgement, attachment of my assets. When i asked why i have not received any invoice or request to pay via mail, she rudely stated " it 's public record..look it up '' and gave me the case #. When I asked how could this debt still be outstanding, again in a rude voice " this debt is renewed every XXXX in the state of XXXX " I told her i do not even live in Ca. and if this debt as you say has my ex-husband 's signature on it, I have not been in contact with him for years. She proceeded to pressure me to provide his contact info to her. 
I told her I need her to mail me this proof of debt. 
After this unsettling claim, I did my research and found numerous complaints about this company as well as a news piece by investigative reporter " XXXX XXXX '' that aired XXXX 2012 : XXXX
This is not a joke, XXXX XXXX has used my dispute against me and is trying to shake me down for money, and has now doubled my balance owed in just one month and now is reporting late payments every month. Back in XX/XX/XXXX, I contacted XXXX XXXX to let them know about their reporting issues on my personal credit reports was inaccurate- and they said they would investigate ; but instead they contacted the credit bureaus and told them I owed DOUBLE the original amount!!, and that I needed to pay or " handle this matter '' ASAP!! This really happened and I can't imagine how many laws were broken in trying to shake me down. XXXX XXXX is now reporting a balance of {$6600.00} on a loan they state I personally received in 2011 for {$3400.00}. I couldn't believe it so I reached out further, and their ( XXXX ) only answer was to state that they sent me an " identify theft package '' to help me. XXXX is the one who is using my identity incorrectly!
Hi I have been trying to get this account to update on my credit since XXXX 2017, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX i paid this joint account XXXX XXXX, 2017 in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, XXXX, XXXX, and Experian. XXXX  updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.
I asked for GAP insurance but was blindsided with a cheap warranty from XXXX. Now that the lease is totaled out by my insurance, XXXX wants me to payoff the remaining XXXX dollars that my GAP insurance was supposed to have covered.
I was told that a notice of the rate increase was sent to me on XX/XX/XXXX. I have informed delivery USPS and I have no record that this piece of mail was delivered to me. I went back and looked t all me email to see if it was delivered. Also I signed up for paperless bills and notifications so I really don't look at most of mail because I expect delivery via email which I had signed up for. American Express increased my interest rate by almost 6 percentage points. 


I contacted American Express on XX/XX/XXXX to question this large interest increase. I was told by them it was a business decision to raise rate to bring it current to what someone who was applying for a credit card today. I have been arbitrarily penalized because of a business decision they made. This has increase my payments by almost {$200.00} a month.
Please help me, I have disputed previously a couple things with TransUnion, provided them my ID 's so they can process, they decided to change my name to XXXX XXXX from XXXX XXXX XXXX which is my legal name, XXXX XXXX is NOT my name. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.
Mortgage XXXX # XXXX. 
XXXX  XXXX XXXX sold my existing mortgage to SPS Select Portfolio Servicing , Inc . I was notified by mail of this from SPS letter that I received on XXXX XXXX. I immediately mailed SPS their form to handle ACH monthly withdrawals from my checking account to pay the mortgage automatically. 

On Saturday evening XX/XX/XXXX, I received a confirmation by mail from SPS dated XX/XX/2018 that my recurring ACH will not begin until XX/XX/2018. I also received the monthly bill for XXXX on XX/XX/2018. That bill had a statement date of XX/XX/2018 indicating that the due date is by XX/XX/2018 and would be charged a late fee if received after XX/XX/2018. On Sunday XX/XX/XXXX, I attempted to call SPS to pay my XXXX payment due on XX/XX/XXXX by phone. They were closed on Saturday after XXXX pm EST and on Sunday. 
On Sunday XX/XX/2018, I went on line and made the mortgage payment so that it would be paid by the due date of XX/XX/XXXX. I was charged a {$15.00} on line fee. On Monday XX/XX/2018, I called SPS Customer Service Dept and asked if they would credit me the {$15.00} since it was no fault of my own. The refused to do so. I asked for a Supervisor. They still refused. The SPS Customer Service Rep said they could have waived the fee if I paid by phone but not for the online transaction. This is very unfair. I never missed a payment while XXXX XXXX XXXX was servicing this mortgage. I respectfully request that SPS should refund the {$15.00} on line fee to me because SPS sent billing notifications by mail several days before the due date which would not allow sufficient time for my check to get to them by mail in time for the payment due date which would cause me to pay late fees. On my recorded line to SPS on Monday XX/XX/2018, I notified SPS Select Portfolio Servicing , Inc. that I would complain to the CFPB if they did not refund my {$15.00} on line fee. Their contact information : SPS Select Portfolio Servicing , Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX, tel ( XXXX XXXX XXXX.
Was place in Chex system and is unable to get any updates.. Was unaware of this action
Hello. My name is XXXX. I took out a payday loan through a company called XXXX. I went through a company called XXXX XXXX to mediate a settlement and they took money out of my account for 7 months and it was to go into an escrow account. Needless to say I paid for services I never received and they are no longer in business. Long story short I took out a loan for {$3400.00} on XXXX/XXXX/13 I mad a total of 12 payments for a total of {$3200.00} and I tried to mediate a settlement through XXXX XXXX. Now I am being bombarded with phone calls from XXXX XXXX XXXX ( XXXX ) XXXX. The interest is extremely high and at the end of the day 13 payments later I would have paid {$7100.00} with interest being {$3700.00}. Do you represent this type of cases? Do I need an attorney? Is there room for compromise? These people are trying to serve me papers, there is a person that text me and when you call back there is a lot of threats, as well as from the phone calls. They have turned it into collections of which has been recorded on my credit report. It 's a night mare. Please advise if you could help me and what fee 's will be. Thank you, XXXX
On XXXX XXXX, 2015 at XXXX EDT I requested a money transfer using Western Union from within the XXXX website. XXXX website connected me directly into WU 's website. There was no way for me to log into my WU account. 
I thought it would allow me to transfer directly from my checking account to my friend 's bank. I entered the required information on each webpage. Before I realized it the WU screen popped up with a receipt with the tracking number for my friend to pick it up from a WU agent. That 's not what I wanted! I knew my friend would n't be able to go pick it up. 
I immediately called WU to cancel the transfer. The CSR there said, no they could n't cancel it, my bank had to cancel it. 
I immediately called XXXX, the CSR there said they have not way to cancel the transfer on their end. 
I called WU back, the CSR told me, they would cancel it and I would have the funds back in my account right away. 
I kept checking my account online that day and the next day and the next day and the next day ( As of today, the funds still have not been credited back ). 
I called WU again and they said it could take XXXX business days for the refund to show up in my account. 
I called WU again on XXXX XXXX only to be told my bank had to call WU to release the funds. 
I finally got around to calling XXXX today. Had to convince the CSR to call WU. She finally did and then the WU agent said she was n't allowed to have a XXXX call when gave them the cancelled WU tracking number. I had to hang up and when the XXXX CSR called me back she said I could pick up the refund at any WU office. When I asked for the tracking number ( that I know WU requires ) the call was disconnected. I called XXXX back and told the CSR the whole story again, she said she 'd have to put me on hold for XXXX minutes. XXXX minutes later she came back and said she 'd have to keep me on hold a little longer while she looked into the problem. XXXX minutes later the call was cut off, I presume by the bank reaching a time-out limit. 
I called the bank again and demanded to speak to a manager. The CSR then said his supervisor was n't available and can he have her call me back. I said no. I want this resolved, then I recounted the problem. He said the only thing he can do was contest the transaction with WU and it would be XXXX days before I would have my funds back. I then relented and gave the CSR my phone number for his supervisor to call. 
Am waiting for the supervisor to call back right now.
Payment is due on XXXX of month. Company calls every month prior to this date to make sure I plan on paying them. I have had the loan for more than 5 years and have had XXXX late payment due to circumstances beyond my control. I have told company to stop contacting me. They ignore the request.
I had my previous account open with wells fargo for two years from XXXX, and they never used they had a right to close my account. The only reason why they froze my account was because they told me my account was compromised and they told me, to go into my local branch to open a new one. My rights have been extremely violated. Wells fargo has never given me a real reason for why my account was closed. I would like to point out why did n't they close my last account that was compromised because they said they had the right to. I was told to open one and to close it XXXX days later to only just say, they have a right to close it and leaving me in the dark about it saying they sent me a letter when in fact they did n't. And was going to let me be embarassed when i went to purchase something, that is not how you treat people. I do n't care how many rights a bank has that is not how you treat a person, let them be embarassed in public because their debit card gets rejected.
Monies were owed to me from XXXX. The monies were placed back into the personal checking account ending in XXXX by XXXX over 2 months ago. This was witnessed and discuss by a Ms. XXXX, Capitalone Bank Personnel and a supervisor from XXXX. He replaced the funds back. This replacing of the funds took from 1-2 months to be replaced, because The New XXXX XXXX. had been just acquired by the XXXX XXXX, XXXX (? ), XXXX on approximatelyXXXX or XX/XX/2018. I believe the date isXX/XX/2018. The previous Call cCenter in XXXX left the new company in shambles, confusion, incomplete orders, and other transactions that were in chaotic confusion. Since new personnel had been hired in the U.S., they had to go through many continuous transitions for months to bring the new company into a resemblance of order that was far from being complete. Often, there were nice people to work with, but continued miscommuicatipn. A few months later in XXXX, XXXX ( or XXXX? ) 2018, the monies were placed backed into the account. Ms. XXXX worked with me and XXXX, especially the supervisor, during the days of processing. The monies had been placed into the account, but Capitalone Bank did not remove the conditional credit of funds. This is in reference to personal checking account ending in XXXX. 
On today, XX/XX/2018, they finally removed the XXXX XXXX ( {$88.00} ) without notifying me verbally with rapport between another bank high level employee and I. This has been consistent and repeated behavior of Capitalone Bank for more than 2 years to wait til the customer gets to a low level amount in their account and then take out the conditional credit so that the customers account will go into a minus account with acquiring additional penalty fees ( to become overdrawn ). This puts the customer in a hole that is hard to climb out of. tThis continued practice affects me as a person with XXXX ( ADA ) to be able to purchase medicines, food, and other needs for trying to maintain at a higher level. Therefore, I must do without medicines, food, and other needs ; therefore affecting my health and quality of life is greatly. This behavior of cCapitalone Bank is likely to occur again and again, since their past behavior has shown this. They have never been held accountable for this behavior, thus showing NO RRMORSE. They do not value me as a customerperson. especially since I utilize their services, help to pay the salaries of their personnel and the Bank uses my money to invest in other projects where they get surplus incomes and dividends. The mission statement of Mr. XXXX XXXX, CEO/President and Founder of Capitalone Bank and Capitalone Financial Services, has a number one mission statement concerning vital, important, professional, and correct communication. Even though there are good people that work at Capitalone Bank, this mission statement is not always followed and is rather lax. If a customer requests periodic and continued communication concerning a process and a transaction ( s ), VERBAL communication is often ignored. The frequency of this occurrence is too numerous and too high.