WillisBack/dataset-financial-user-claim huggingface dataset:
Back a year ago, I received a fraud form to be return to BMW Finance. I  did return the form but never heard from the again. 

About a week ago I received a letter where it states that the vehicle has been sold and I need to pay BMW Finance {$20000.00} From the beginning BMW has been told that this transaction was fraudulent and I never bought that car. 

Now the insist that they will be sending me a collector to collect the XXXX for a vehicle I have not bought.
For over a decade I have been denied credit by USAA, that uses XXXX XXXXXXXX XXXX which they are in partnership with. They deny me with vague and non specific language. I have never got any loan with them. I am forced to apply for high interest loans with other companies, even though USAA claims to save their " members '' money. I can't get out of the hole with high interest loans, pay day loans and pawn shops, I make XXXX per year and yet this is not enough to get a {$2500.00} loan form USAA. I may not live to 100 and have perfect credit to satisfy their stratospheric loan requirements. I believe they are discriminating against me. 

Their is no rep to call, appeal process or address to write to, they just offer the free credit report. I am tired of being a victim to a non-human AI computer, that sees me as just a credit score. I could make XXXX XXXX per year and USAA still would not give me a loan. I have had problems with checking, auto loans, insurance and I still can't get a small personal loan, even if my life depended on it. USAA advertises on the TV and makes extraordinary claims on how they help people in the military but, I feel more like a victim than member. All the high interest places will loan me money at a high interest rate. Does USAA invest in them and then profit off the misery of their misled members?
ID Theft was used to open a fraudulent account with XXXX XXXX. the person paid for awhile then stopped, so XXXX XXXX turned it over to Amsher Collection Services. I provided all the required paperwork ( police report, FTC affidavit, etc ) to XXXX XXXX to verify it was not me ( especially since the TV service was in a state I have never lived in! ). XXXX XXXX provided me a letter stating their investigation confirms I am not responsible for the account. When I filed a dispute with XXXX five months later ( since Amsher STILL had not removed the item ), even supplying the credit bureau with a copy of the XXXX letter stating I was not liable for the account. Amsher Collection Services refused to remove the item from my credit report and will not change it. It makes no sense. The company that turned the debt over to Amsher Collection Services admits the account was set up fraudulently, but yet Amsher Collection Services refuses to remove it from my credit report.
Who : Chase Levys and Holds Division When : XXXX XXXX, 2017 Why : Collection request from Michigan Department of Treasury for due income taxes What : Hold on Pre-paid credit card exceeded the amount available for hold - Chase Bank levies and division violated my rights by placing a hold on my prepaid credit card for {$250.00}, ignoring pending changes on the account and thereby causing an overdrawn balance. - Chase bank 's legal department repeatedly proclaimed that a deposit was made to the account in the amount of {$300.00} on XXXX XXXX, 2017, which in fact a transfer was n't made until XXXX XXXX, 2017 ; a day after the levy processing. - After repeated calls over a period of 3 days trying to get Chase Levy and Holds Division to verify the correct date of the {$300.00} transfer ; I finally has to get my branch to conference in with them and verify that the transfer was in fact on XXXX XXXX, 2017 and NOT on XXXX XXXX, 2017.
- Chase still refuses to correct the account to reflect that the account did not have the {$250.00} they are holding for levy. - I further accused the of deliberately falsifying the account statement to justify the {$250.00} hold, and requested an investigation by senior management.
- Chase levy and hold department then came up with the excuse that a charge in the amount of {$330.00} was not paid ; but the bank branch confirmed that the charge in question had cleared on XXXX XXXX, 2017. Therefore ; the {$250.00} was clearly not available at the time the hold was placed.
- Chase Bank 's Levy & Holds department have repeatedly falsified information on the account, and flat out lied about the amount available during the processing of a levy on my account.
My Name is XXXX XXXX Capital One Quicksilver credit card costumer account # XXXX XXXX. On XX/XX/2018 I open on the line an credit card account with an promotion bonus of {$150.00} Bonus Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. I was qualified and in the three weeks I received the card which I activated. I spend it more than {$500.00} on purchases within 3 months from account opening and waiting the bonus to be posted on my account but that never came. I call customer services to see why those bonus never posted on my account. And customer service stated that you really apply it for this card but we decided to give you a card named Capital One QuicksilverOne which doesnt gave you the promotion bonus of {$150.00} Bonus Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening but only 1.50 % cash earning. I think that Capital One Quicksilver credit higher management, purposely posted false advertisement by confusing customers and do not keep their promises or advertisement and cheating customers. Shame on those banks that do anything to make profit by posting false advertisement. Due to this situation I closed my account but Im looking for reimbursement. This card now is linked to another card number # XXXX.
In  XXXX  I was on a  XXXX   XXXX  business credit card. Payments ceased to be made on the account in the summer of  XXXX . The account was charged off and sent to  XXXX   XXXX . The debt was time barred from collection in  XXXX  against me under TX statue of limitations. This does not stop  XXXX    XXXX   from reporting to my Experian credit report that the account is past due, COLLECTIBLE, and assigned to an attorney/collection agency to collect!     This is not the first complaint about this account but there is NEW INFORMATION TO REVIEW!
By law, the credit bureaus are to have the original contracts as verification of a debt before placing them into my credit report. I have tried to contact the following companies and the credit bureaus to show proof of the original contract and they all have failed to do so. By law, if the credit bureaus and debt collecting companies fail to hold the original contracts or proof that they verified the debt with the original contracts before placing them onto my credit report, they must delete the debts from my credit report. 

After requesting my credit report in order to fix my credit while I am currently unemployed and going to school full time, I have contacted the following debt collecting agencies in order to correct the errors that I found. 

XXXX XXXX XXXX , XXXX. 
I sent them a correspondence on XX/XX/XXXX to VALIDATE the debt.

The only correspondence I received from them was a Pre-legal notification on XX/XX/XXXX. They have yet to send me anything that I requested from them per the Fair Debt Collections Practices Act, as well as the they have not indicated to the bureaus, Transunion and XXXX, that the account in question is under dispute and is to be removed or cease from reporting the information until full validation has been completed. 

XXXX XXXX XXXX XXXX I sent a correspondence to them on XX/XX/XXXX to also the debt in question.

They responded XX/XX/XXXX with a final bill statement which under the Fair Debt Collections Practices Act is NOT validation of a debt. They failed to remove or cease from reporting the information until full validation has been completed which they still have not shown proof of the original contract, per the FDCPA. 
They sent another correspondence on XX/XX/XXXX stating that theyve returned the account back to XXXX XXXX XXXX XXXX but still has failed to remove their information from my credit report. 

XXXX XXXX XXXXXXXX XXXX I sent a correspondence on XX/XX/XXXX to also validate the debt. 
Their correspondence on XX/XX/XXXX was simply another billing statement, they have failed to provide any proof or original contract of the debt in question and have not removed or cease their reporting onto my credit. 

I hope this helps in any way to stop fraud and to stop these companies from doing thing illegally as they are not following the law on their actions. Thank you for your time.
I have had a Bank of America checking account for 12 years. Got an email while I was out of town that my debit card had been cancelled. Called them and they said there had been a data breach and they were sending me a new card ( which XXXX had already done. ) Card never came. So they cut off my debit card to merchants. I called them and told them I wanted a new card the next day. Of course, it never came. They finally cut off my debit card for use at ATM 's. Leaving me nothing but checks. I had over {$2000.00} in my account, have not changed my address for over 6 years.
A debt collection company Known as Credit & Collection Recovery Services, INC. also known as CCRS called me and was very rude and harassed me. The lady said her name was XXXX a case manager. They said I have XXXX accounts that I need to pay today or legal actions will be taken out on me including getting my local law enforcement involved. I just hung up on this call. The account number they did provide me is for XXXX.
My student loan was held by First Associate and was to be transferred to XXXX. XXXX said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost XXXX years.
In my previous complaint XXXX. Equifax stated they reviewed my complaint and its records regarding my dispute. They responded the disputed inquiries XXXX XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX are currently not reporting on my Equifax credit file. Written confirmation was to been mailed to me. XXXX XXXX XXXX, XXXX I checked my credit report and the inquiries are still reporting. I called Equifax and was told they would n't be removing the inquiries. I was also blocked from accessing my report online through their website/
I filed my first ever claim with your Agency yesterday ( XXXX). Same background    I E-- I lost my job on XX/XX/XXXX. I was paying all of my credit cards on time. With no job--We lost our condominium + the XXXX entered us ( Me + my XXXX wife) into their Program. They paid our monthly XXXX premium and got us enrolled into the low cost prescription program. However, they advised that if I earned more than $ 50.00 / month--we would lose these benefits. I began early XXXX  monthly benefit check(s) in XX/XX/XXXX at age XXXX
In 2010 Citibank took me to XXXX Court for non payment. Per my "Answer" that I submitted to the Court---my only source of income is my XXXX and that can not be garnished ( I was not trying to "hide" behind this).  The Judge agreed and their motion for payment  was denied on XX/XX/XXXX.

So,you naturally think that this case is now closed.

In XX/XX/XXXX,  I got information from the XXXX Court that this case had been re opened by Citibank !  I  discussed ( at length ) the case with their Lawyer. We settled on a Stipulation for Judgment wherein I agreed I owed the money and Citibank stated , " Demand and presentment for payment are hereby expressly waived". On XX/XX/XXXX and again on XX/XX/XXXX the Judge Granted/agreed with this Stipulation.
 So now ( again) you think that this case is finally closed ??

  A week ago, Citibank's new Law firm mailed me an Appearance Form for the XXXX Court. Per the XXXX Court Clerk--I should call this Law firm and I did. I asked to speak with  XXXX ( person  who signed the Form). I assumed that I was talking with XXXX-- as that is who I asked to speak with.
Regarding me getting this form and XXXX other questions I proposed , he stated to each and every question :
" I can not confirm or deny anything".
Then, in true Legal form, he stated, " If you win the Lottery,you are duly bound to pay in full Citibank"!!!

My opinion is that Citibank is guilty of repeatedly harassing me. 

If a case is deemed to be closed ( XXXX) by a XXXX Court Judge --why can't they accept that Judgement and then "move on"??
Rushcard has taken my direct deposit paycheck and after talking to customer service today, they said it could be weeks or months before my funds will be available! In the mean time they are making millions off interest with other peoples money while it just sits in their bank. I want my money. They have my rent and groceries.
Due to identity theft you do not have my full information. My full name is XXXX XXXX XXXX XXXX please add XXXX to the end of my last name. All of my identity theft fraud theft ect was with out this. Please correct this on my credit reports and letters you send me in the mail. Also the numbers on my fraud alert one is right XXXX but this one XXXX was tided to the person who stole me identity. Please fix the fraud alert. Just keep XXXX. Thank you.
XX/XX/2016 I was in XXXX and was told that I was purchasing a vacation package that included a certain amount of vacation packages at a deeply discounted price, {$190.00} to {$290.00} per week. I never received any paperwork in the mail as I was supposed to. I tried numerous times to contact the company and could never reach anyone. I finally received a membership card to XXXX XXXX XXXX XXXX. I called them and they have no record of the vacations that I purchased. I then tried to dispute with Bank of America who charged me the {$3600.00} plus a {$100.00} foreign transaction fee. I got denied because they said I did not provide all the information that they asked of me, however, I sent them everything they asked for and eventually they found what I sent. They reopened the dispute and then I never heard anything. Now this month I see that the charge is out of dispute and due and I never got any reasons or response from Bank of America. I have received absolutely nothing for the {$3700.00} I was charged by XXXX XXXX and Bank of America has been no help at all.
First I recieved a phone call from someone who said I was being sued over a debt I had and to call this phone number he gave me to talk tomsomeone regarding this debt. I called the number he gave me and spoke with a guy XXXX XXXX he said I was being sued for a bon ton credit card i had 15 years ago in the amount of around XXXX but i could settle this debt now and not be sued if I paid somewhere around XXXX dollars. I was freaking out I told him I did not have XXXX dollars, he told he if I gave him so much down and then i could give him the rest later. I had to give him a date I would b able to give him the rest. He said he sent me letter saying I was going to be sued but i never recieved them. Well when I looked at my bank statement the XXXX dollar payment was made to a company called XXXX in California. My wife did some research and found people online were being scammed in the same way I was being scammed. So I called XXXX and told him I was afraid I was being scammed and he said he would send me a statement, saying what I owed and other information, by email. I got the email and at the top it said his company name which is XXXX and XXXX. My wife immeadately looked them up online and nothing came up. So I called the bon ton they said they didnt have any record of my account and that the statue if limitations would have ran out on my credit card and that they couldnt come after me 17 years later for this debt. She said to look up my credit score and if there was something u owed it would b on there. So did that and there was nothing. I called XXXX back and asked him about the statue of limitations thing and he said well u made a payment on this acct a while back. I know for a fact that I have never made a payment on this card since the last one I made 15 years ago. I told him I was n't going to pay him anymore money. He said he was going to sue me. I was XXXX in my youth and made mistakes I 'm still paying, in bad credit, for, but these guys are taking advantage of people.
I have recently been monitoring my credit report and I noticed that a negative account had been added. I did not recognize the company that reported. I contacted the creditor and discovered it was a delinquent XXXX XXXX XXXX account. They did not contact me in any way whatsoever before adding it to my credit report. They refused to work with me or remove it from my report.
I found this item on my credit report and I do not recognize this company and have never done business with this company. I disputed this account with them directly and I did not receive any proof that the item belong too me. I want this item removed immediately because its damaging my credit and my credit score. I am stressed from this situation. This company is violating my rights under the FDCPA section 809 ( b ).
Bank of America Home Loans reports to   XXXX   a status of my home equity loan account starting with  XXXX **** as " Current ; Paid or Paying as Agreed ''. This is incorrect. The last payment on the said account was made in  XXXX  2010. The account became late in   XXXX    2010 and was never again current. I disputed with  XXXX , but the account was verified as accurate. Please see attached a copy of the credit report.
As of XXXX/XXXX/XXXX I XXXX XXXX have a mortgage with Bank of America XXXX , CO XXXX that I reaffirmed loan in XX/XX/XXXX after bankruptcy in XX/XX/XXXX, with good standing, since. Bank of America has failed to report to all XXXX credit reporting agencies with updates. They 've just removed whole mortgage account from all credit bureaus, is this my punishment! So, that I can not buy another home. 

XXXX/XXXX/XXXX, Bank of America, called me to extend / delay response for XXXX more days. 
XXXX XXXX
I disputed a charge of {$520.00} from a vendor that rented me an apartment for a vacation rental. Barclays has never addressed the points of my dispute. Instead that just keep saying they can't override the vendor terms and conditions that I agreed to. But, they have never provided proof that I agreed to the terms and conditions.
There are two accounts on my credit report I have been disputing for quite some time now. The account with XXXX XXXX, I returned the XXXX within the thirty day time period. As soon as I had knowledge this account appeared delinquent I dispute and have been every since. Each time I dispute it the credit bureau 's state they have verified the debt is mine. I would not constantly dispute it for no reason. I also disputed the XXXX account because of charges on the account. I complained about this to the XXXX, disputed it with the credit bureau 's to no avail. I even requested the XXXX send me documentation. The most recent XXXX card I held I closed the account myself and paid it off because of this issue. I have several closed and open accounts on my credit report, they are all not perfect but I am paying all of them. These XXXX accounts are dragging my credit score down. In addition I opened an account with Transunion reading the correspondence makes consumer think having the account is affective or important for your credit. Their site offers more credit cards and options which is confusing since this is XXXX of the bureaus reporting consumer credit it seems to be conflicting. After closing the account I constantly receive emails telling me score is going down and I am missing out on valuable information. I do n't see the help in this. In fact the credit card I opened through Transunion 's website XXXX XXXX has credit wise so I do in fact have access to my account. Therefore Transunion was charging me for a feature they offer with the credit card. I am confused and I need help because the companies reporting my credit and score are not helping me especially offering me more credit card and loan options.
Have been trying to an investigation and removal of the account XXXX XXXX off my credit report. It is not mine and would like it removed which has been done from XXXX and have not gotten help from TransUnion. Horrible customer service and would never recommend them.
ARA Inc. contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling ARA Inc. that the debt was not my debt and please do not contact me anymore. ARA Inc. than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to ARA Inc. stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.
I WENT TO A CAR LOT TO GET A NEW CAR AND WHEN THE CREDITOR TOLD ME HE HAD TO PULL MY CREDIT I TOLD HIM THAT I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT. THEY RAN MY CREDIT MORE THAT XXXX TIME AND MADE MY SCORE DROP
I filed a dispute with Equifax for an   XXXX   collection account on my file. This debt belongs to my son, not to me. They left the item on there. I can not be held liable for a debt that belongs to my son. This is a violation of the Fair Credit Reporting  Act. Sect. 611 ( a ) ( 5 ) ( A ) ( i )
The amount owed is incorrect and has not been updated and XXXX XXXX continues to not update the correct amount due. I have tried to make payments on this account but was told I could only pay in full and that the IRS would get a report from them on me. This was in XXXX of 2018.
I owe Kohls some money and I cant afford to pay it back and they are calling my XXXX year old widowed mother constantly. I do not live with her.
XXXX XXXX FROM GLOBAL ELEMENT CALLED MY WORK PLACE ON XXXX/XXXX/15 AND WAS TOLD SHE CAN NOT CALL MY WORK AND MY EMPLOYER DOES NOT ALLOW THESE TYPES OF CALLS. THE COMPANY THEN CALLED A FAMILY MEMBER A FEW DAYS LATER AND GAVE THEM INFO REGARDING MY PERSONAL BUISNESS THEN ON XXXX XXXX CALLED FROM GLOBAL AND AGAIN I TOLD HER SHE CAN NOT CALL MY WORK. SHE THEN GOT NASTY AND THREATEN ME SHE WOULD GET A LAWYER
This is a re-hash of a complaint I made last year but it had been filed with XXXX. 
This is the very same company and same amount {$53.00} with the same originating company XXXX XXXX XXXX. I have NOT had any XXXX  services since the early XXXX when they did not supply the service they promised and then grossly overcharged me when I dropped their services. 
I will not EVER have XXXX  services. 

Collecting companies name is Diversified Consultants Inc. 

I have taken my credit score from the 500s to mid 700s and if I owed these idiots anything I'd pay it off.
There was a loan placed on my credit reports stating that that i owe a company named XXXX XXXX XXXX for the amount of {$1300.00}. I attempt several times calling XXXX XXXX but could not ever get to representative. I finally spoke to a representative from a collection agency named AD ASTRA Recovery and they stated i needed to pay the amount above or else, I explained to them that i was a victim of a hate crime/Identity theft and the person/persons responsible had used my information in other accounts. I explained to them that i am XXXX and i am on a limited income and can not afford to pay a loan i did not take out.They told me the default loan would continue to damage my credit until i paid the balance in full which my XXXX income will not allow me to.
i been paying loan for about 10 years hasnt went down payments to high and intrestrate to high.