WillisBack/dataset-financial-user-claim huggingface dataset:
On or around XX/XX/2017, I submitted documents to Experian and XXXX  showing that I demanded debt validation from XXXX XXXX XXXX XXXX. Experian and XXXX concluded the matter by stating that the collection company claimed to have verified the debt. By law, the bureau and the collection company are suppose to have in their immediate possession, a contract with signatures from original creditor and consumer along with the consumer 's state ID. When the original creditor submitted the new account to the bureaus, they were suppose to provide the contract, application and ID to the bureau so account could be validated when/if it falls into a bad debt. Most original creditors have not provided these required documents to the bureau or collection companies that they sell debts to. Therefore, it is against the law for the bureaus to have these debts on consumer 's credit reports and it is against the law for collection company 's, such as XXXX XXXX XXXX, XXXX, to try to collect on a debt that they have no legal right to collect.
As usual, Capital One makes sure that their customers are very unhappy. I just called because I am facing hard time resetting my password and all I got was an unprofessional, unethical person who at the very end make sarcastic comment and hung up. 
In addition, Capital one has been failing to locate/dispute electronic balance transfer and lies that they spoke to XXXX and it applied to my account when it has not and they have not proven otherwise. 
Won supervisor ( FL )
On XX/XX/XXXX I was approved for a Bank of America Premium RewardsCredit Card, with a sign-up bonus of XXXX points if you spent $ XXXX in the first 90 days of the account being opened. They have denied my sign-up points for not spending the $ XXXX, even though I have spent $ XXXX within 90 days of my statement balance date, which was XX/XX/XXXX. 

They have said that the time starts when you apply for the credit card, however I believe that your statement balance would be the start of your 90 days. If the application date was your open date then shouldn't that be when my statement date begins? this seems to be misleading that your account is considered open but your statement dates do not match these. I spent the $ XXXX within that time frame but have still been denied the bonus points. 

I have called them multiple times, the first time I called, after I met the $ XXXX, the representative said I had met the requirements and the balance should be credited soon and to call again if I do not see the credit. When I called because the points were not credited I was told that I did not meet the requirements.
Within XXXX minutes of giving my credit card number to the customer service person with Equifax experienced problems with the site, Equifax Premium Credit Monitoring. Information was wrong as I had just spoken with all XXXX credit bureaus. Also, I could not change my password, and my computer does not support this site. I immediately requested to cancel and get an immediate refund. I was deceived. The cancellation took place but was not told until after an hour on the phone that I could not secure a refund of {$19.00} even though the service did not work for me. The employee kept me on hold for 45 minutes listening to music. No one ever came to the phone. This is a rip off. Information is wrong and the site is difficult to work. Horrible. That is why within 10 minutes, I kept the person on the line as I signed on to the site, I was requesting my money back. The complaint if file no. XXXX
On X/XX/2017 I received a notice that my loans were due since I was now out of school. These two loans were loans from previous institutions and had already been consolidated. When I returned to school they entered deferment until I graduated in XXXX of 2017. I called and spoke to them regarding my account and I was given the option to do an alignment forbearance to bring my previous loans and the loans I acquired while finishing school into alignment so that I could consolidate them all, they would all be due in XX/XX/XXXX. I called to follow up on my request on X/XX/17 after I had n't received confirmation of my alignment forbearance being processed. The gentleman advised that it looked like it was still being processed and to be patient. He advised me that they do not report late payments until 90 days and I should be receiving a confirmation shortly. I received another notice today that I am past due so I called them to discuss my account. It is now X/XX/17, the girl I spoke to advised that I was not eligible for an alignment forbearance and that I would need to make the past due payment immediately. I explained the situation and she put me on hold to review my account. She did see the prior conversations and that I was given incorrect information. Her only response was that she would file a complaint on my behalf for her superiors to review and said she would forward paperwork to re-certify my loans to lower my payments and that she would request a situational deferment to clear my past due balance until XX/XX/XXXX when my next payment would be due. I advised that I was not satisfied with this result and that I am very unhappy that I was given incorrect information twice and that I would have handled this differently and made arrangements to do the re-certification or make a payment back in XX/XX/XXXX and not let my past due balance get to this point. Also, not one time in any of the conversations was I advised to continue making payments until my request was processed. I was told that once the alignment forbearance was processed it would be retroactive, and now come to find out that I was never eligible for the option they suggested. The service company is FedLoan Servicing
My Chase DDA had 3 service charges of {$12.00} due to my employer removing my direct deposit set-up to my Chase DDA. I called Chase on XX/XX/XXXX to inform them of why the direct deposits weren't coming in and that there is scheduled to be a direct deposit on Friday, XX/XX/XXXX therefore I wanted to see if the {$36.00} in fees could be reversed, bringing my account balance back to a positive {$0.00}. After a long hold on the phone, the representative indicated that he received approval to reverse the fees, which I would see credited in approximately 3 days. 

To my surprise, when I logged into chase.com on Friday, XX/XX/XXXX to view my direct deposit, my Checking account no longer appeared in OLB. I contacted Chase customer service again on Friday, XX/XX/XXXX and they informed me that the account had been closed. When asked why, I was told Chase closed it due to inactivity. When I spoke with the representative I explained that I didn't want the account closed and that the direct deposit of {$250.00} came into Chase on XX/XX/XXXX as planned ( and they confirmed ) so where are those funds and why was the account closed? 

In addition, I recived an e-mail from Chase on XX/XX/XXXX indicating that my deposit account statement was ready for viewing ... when I go to chase.com to view the statement, I can't because the account is no longer listed in OLB - how can they communicate a deceiving practice like this to consumers?
I received a letter dated XX/XX/2018 that Chase was closing 2 of my business credit cards one ending in XXXX and one ending in XXXX. I contacted Chase on XX/XX/2018 and was told there was no reason given for the closing of the credit cards. I spoke to a representative and he informed me that he didn't see any reason for the closure of the cards either. I let him know that I still have my mortgage through Chase and the only reason that I could think of for the closure of the accounts is that Chase wanted to eliminate there honoring the bonus categories on those cards. I have had both of them for about 4 years and have never had a problem with either of them. These cards offer 5x points on specific purchases and the new version of the same card only offers 3x points on that same purchase. The Chase representative let me know that I could apply for the new version and I informed him that the reason I wanted to keep these cards was because of the 5x points. I think the only reason that Chase closed these accounts was so that they wouldn't have to honor the terms and conditions that they agreed to. Please let me know if you need further information. Thank you.
on XX/XX/XXXX- XX/XX/XXXX, i was involved in a scam. that morning of XX/XX/XXXX, i logged into my XXXX account and it said that i had been victimized, for lack of a better word, and that all my account info had been stolen. immediately i XXXX for a number to call XXXX and resolve this. i have since been told that XXXX does not have a listed phone number. but, when i XXXX the number came up as XXXX. i immediately called the number and spoke to a man, XXXX XXXX , at ext. XXXX. he told me yes, my account had been hacked and that i had 115 trojans showing. he also told me all my credit card info had been hacked, as well as my bank account, etc. i have to tell you i was scared to XXXX. i am a single XXXX year old vetran living on social security XXXX and i was shaking. he told me XXXX had a resolution for this problem. he told me i would need to buy {$300.00} worth of XXXX XXXX cards and they would be used to handle the cost of restoring my firewall and no one would be able to hack me again. he assured me the money would be refunded by XXXX within 5 to 7 days. i went to my XXXX XXXX and purchased the cards. he stayed on the line until i returned home and read him the numbers off the XXXX worth of cards. he then told me it would take 12 hrs. to restore all my accounts and to call him the next morning. the next morning i called and he announced that we were halfway there. he then told me i would have to purchase an additional XXXX worth of cards and read him the numbers off the cards. again he waited on the phone while i read off all the numbers. he told me to rest assured that XXXX would be refunding me the money. while i was waiting on hold, pictures of the actual XXXX  operations bldg. were shown i guess so i would feel safe. at this point i questioned him again about the refund and again i was told this was how XXXX took care of hacker problems. in his next breath he told me i would have to get an additional XXXX worth of i tunes cards to continue. i told him i could n't and he got nasty with me. it was then that i thought i may be being scammed. i told him i was going to turn him into the bbb and he laughed. i hund up and immediately called both credit card companies that i had used and told them what had just happened. i was told by the first to rest assured that i was covered and was not liable. not to worry. the second credit card company told me to wait 5 days and they would handle it, again no worries. so i believed i was ok. both credit card companies have since told me there is nothing they can do and that i 'm responsible. i am just sick over this. the other man i talked to was XXXX XXXX, XXXX id # XXXX, XXXX. the next man was XXXX XXXX at ext. XXXX when i tried to call them back i got a recording that the number was no longer in service.
I have contacted U.S Bank about this multiple times. I currently have an account with U.S Bank that I do not and havent used for close to a year. I had overdraft fees because I accidentally had a department store credit card balance get removed from my account. It oversrafted my account and charged me close to {$100.00} in fees. I deposited {$200.00} cash into the account because I did and do not have time to deal with closing the account. This put my balance around {$40.00}, so I knew I could sit there comfortably until I got around to closing it. I then received another almost {$100.00} in overdraft fees because they cashed a check for {$50.00} from my account that was over 1 year old at the time. They refuse to waive fees, refuse to close my account over the phone since my balance was negative from all of the overdraft fees, and I am worried they have reported it to my credit score. I have worked since I was XXXX to build up an impressive credit score without ever missing one payment. While managing investment property mortgages, multiple cars and credit cards very comfortably. I am extremely fed up with how they handled the situation, especially since l they honored a check from over a year before.
I cancelled my service with XXXX via phone in XX/XX/2016 and made sure my account was paid in full. I never received anything from them again. not a single bill. so I assumed it was cancelled successfully. A year later, I see my credit report and there is a debt collector on there trying to get money for XXXX ( {$510.00} ), saying I never cancelled. I explained what happened to them and asked them to investigate. They said they verified with XXXX and nothing they can do. I then contacted XXXX and they said they'd open an investigation but I never heard back and when I called them back again, they said they had no record of the investigation being opened! 
I disputed on all my credit reports ... to no avail. 
I asked XXXX to provide me with statements or some type of evidence and they could not. 
Nor could ERC collection agency.
I have another complaint that 's related, # XXXX. I tried to get my XXXX free credit reports because my FICO scores with XXXX of them were XXXX points different. But I was not able to get my FICO score from Experion without paying {$1.00} for it. At no time did the representative tell me that I was signing up for a credit checking service and she told me what to click and where. She never explained I 'd have to cancel the " free '' service within 7 days, nor where I could do so. They charged me {$21.00} for this service that I did not want, did not order, did not ask for, was never told about, and they would not refund the charges. This is the biggest scam going and these credit bureaus are what all the rest of the good people of this country are being held hostage by and being scammed on a daily basis. It 's no wonder the financial systems in this country are in major trouble. 
It 's shameful that people are being ripped off every minute by the XXXX credit reporting agencies that we 're all dependent on for obtaining credit and that this continues daily with no recourse.
XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX -Account is not related to me,XXXX times submitted a dispute, but accounts is still there XXXX XXXX account was paid off in XXXX, but i have late payment on XX/XX/XXXX, which is not true, paid off letter was provided to Experian but problem is not resolved
Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -XXXX  , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with XXXX was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.
AMERICOLLECT INC ACCOUNT NUMBERs:XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
This is a medical debt that was sent to an collection agency ... I sent a debt validation letter disputing that debt and requested that this debt do not be reported to the credit agencies XXXX XXXX XXXX until this matter is resolved.
To whom it may concern : I have recently pulled my TRANSUNION and XXXX credit report and noticed accounts that have been investigated by another credit bureau are still being reported by XXXX AND TRANSUNION. Attached to this letter is proof that these accounts were deleted due to inaccuracies. Please follow suit and delete these accounts for accurate reporting. XXXX has removed all accounts associated with : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PURSUANT TO THE FAIR CREDIT REPORTING ACT, I EXPECT YOU TO REMOVE THESE ITEMS FROM MY REPORT WITHIN 30 DAYS. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report.
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX - This account was charged off listed with wrong balance please delete.

2. ACCT. NAME : XXXX XXXX XXXX - These 2 accounts were charged off and listed with wrong balance please delete.

3. ACCT. NAME : XXXX XXXX - This account was charged off listed with wrong balance please delete.
On XX/XX/2019 I made two payments from my checking account to my personal line of credit that is issued by the same financial institution. Two payments : 1 being the regular current due payment of {$200.00}, and the other an additional principle payment of {$100.00}. Both made on the same day one after the other. Both payments had been withdrawn from my checking but only the additional principle payment had posted to the personal loan. I have since called Citizens bank 3 more times to rectify the situation. First was on XX/XX/XXXX, for which I was on the line with the bank for 45 minutes at that time received a confirmation number that the problem would be fixed. 
I consistently checked my account on line and still had not been fixed so I called back on XX/XX/2019 and was assured it would be fixed and I would receive a phone call by Citizens bank the following Tuesday or Wednesday confirming the funds of my regular payment of {$200.00} would hit the personal loan. Still no payment as of Thursday XX/XX/XXXX and now I have received a past due notice in the mail stating I still owe {$42.00} and being charged a late fee. I am on hold with Citizen bank now waiting for a supervisor and have been on hold for 20min. They keep claiming that this is waiting for review from " BACK OFFICE ''. I am not sure why I have to wait for them to post a payment that is clearly seen as being withdrawn from my checking account long before actual payment was due. Both accounts are with the same bank.
I called into make my monthly payment and was asked if I wanted to go nto a special program that would allow me to skip one month payment. I was not over 30 days past due but was telling them my son was in college and was curious if they had a way to skip a payment. They said they did have a skip a pay program. I was thrilled but working in a job that would not allow me to show a late mark on my credit I explained I had to be sure it would n't affect me negatively. He said as long as I made the payments on time I would not have anything to worry about. I was thrilled! I explained I had to be sure it would not affect my credit score and they promised it would n't. I never signed any documents but they ended up moving to a loan restructuring program that basically pulled money from my escrow account. I had NO idea this was happening. I need someone to request the phone records since they said the conversation was recorded. I now show I was moved to another lender for 6 months but my actual loan with XXXX show all payments were made on time. No late marks. But this other lender XXXX now pops up on credit report and shows I was 30days past due the entire time I was in the program. They completely misrepresented themselves. How could they do something like this without me signing any documentation. I work at a bank and have never seen anything like this in my life. I have never complained before. This is just totaling breaking consumer disclosure laws. please help me.