WillisBack/dataset-financial-user-claim huggingface dataset:
Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX  ) and each of the credit reporting bureaus ( XXXX, Experian, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
A promotional financing option was presented upon purchasing a product from XXXX. As long as the balance of the purchase was paid off in the prescribed amount of time, no interest would be charged on the purchase. 

In XXXX of XXXX, the promotional amount due by XXXX XXXX was {$890.00}. 
I made the following monthly payments : XXXX : {$200.00} XXXX : {$400.00} XXXX : {$150.00} XXXX : {$150.00} XXXX : {$350.00} XXXX : {$0.00} XXXX : {$550.00} TOTAL : {$1800.00} However, they only reduced the " promotional balance '' by {$30.00} each month despite my large monthly payments. Because I had another " revolving '' line of credit on the same account, the credit card company applied most of the balance to the " revolving '' balance. 

It was not until I noticed that my promotional balance was NOT paid off and I was assessed an additional {$250.00} in accrued interest, that I found out that my payments were not going to pay off the promotional balance. 

After looking into my statements and callling Comenity Bank XXXX the credit card company handling the XXXX credit card ), I found out about how they allocate your payments primarily to the revolving credit and NOT the promotional credit, XXXX unless you call them and tell them otherwise! XXXX. They also say they DO apply a greater amount of your payment to the promotional balance if you are nearing the expiration of the promotional period. However, it is NOT outlined anywhere how they allocate your payments closer to the expiration date and they did not do this in this instance. This is an easy way for them to allow the promotional balances to default so they may collect the outrageous " accrued interest ''. Disgusting! The customer service rep. put me on hold when I asked to speak to a supervisor, but no one ever came back on the line. When I called back, they were closed for the day.
I am trying to make a payment to US Bank. There is no way to reach them. Online does n't work ; they no longer answer their hone at the branch. They offer no way to make payment. If I mail it, it takes up to 10 or 11 days to get there. HELP!!!
I am being called a minimum of 3 times a day from the same company. they are using XXXX different phone numbers.
THIS JUNK BE CRAY. I CANT STAND THAT THEY CALLING ME ALL THE TIME THE THE ACCOUNT AINT MINE. SO I SENT A CEASE AND DESIST THINKIN THAT WOULD HELP BUT IT DIDNT SOOS I SENT THEM ANOTHER. NOW THAT AINT WORKIN
On XX/XX/2018, I received notification from XXXX that a collection was added to my credit reports. The Collection agency is listed as XXXX and the original creditor is listed as XXXX XXXX XXXX. I reached out to Experian, XXXX, and XXXX, informing them I have a bill from the original creditor listing the past due amount as {$1000.00}. The amount listed on my credit reports was {$1000.00}, it was recently updated by XXXX to reflect {$1000.00}. This amount is still incorrect and should be removed for inaccuracy. Also, the date opened listed on my reports is incorrect. XXXX has XX/XX/2018, the correct date is XX/XX/2018. I have asked each of the bureaus to remove the account due to inaccurate information listed. Experian stated they could remove it but the collection agency could put it back on my report with the accurate balance and correct date opened. This is turn would drop my credit score again, and appear to be a new collection account. XXXX  stated once the account is removed the collection agency would NOT be able to put this account back on my report. XXXX  stated the collection account is not listed on my report. 

I would like for this account to removed from both my Experian and XXXX  reports due to inaccurate information listed. Also, I never received notice from XXXX notifying me of the pending collection. I have attached a copy of the bill from XXXX XXXX XXXX and a copy of my credit report showing the inaccuracy.
On XXXX XXXX, 2015 XXXX XXXX XXXX contacted me to pay on a debt. I was told to pay XXXX over the phone, so my account would not be sold to collections, so I gave them my check account number to take XXXX And they did. Then I received a letter stating that my account was sold to Midland Credit on XXXX/XXXX/2015 Now XXXX XXXX has no record of the transaction that was taken from my bank account. And my balance with Midland Credit does not reflect on my account. However my checking account shows that the XXXX dollars was taken by XXXX XXXX before the account was sold to Midland credit on XXXX/XXXX/2015. My complaint is that the money was never posted on my account, but yet it was cashed.
I had gotten a letter from the collection agency to contact them by a certain date, I have tried repeatedly to contact them and no one answers or calls back. Now they are offsetting my wife 's share of the taxes and she isn't responsible for my student loan, I didn't even know her back then.
I just received confirmation from XXXX credit reporting agency that an item " XXXX XXXX XXXX " was finally deleted off my credit report after there investigation. However I am submitting this complaint about experian and XXXX credit reporting agency 's as they are still reporting this account on my credit report. It has been disputed numerous times and experian and XXXX should have received the same response from XXXX XXXX XXXX to remove this account off my credit report.
In XX/XX/2017, I fully paid off the balance owed on a closed credit card account with Bank of America. I paid it in full before the due date. 
After I paid my card, the account disappeared from my online statement which I often check because I have an active mortgage with Bank of America. 
Yesterday I received an alert to my credit report that my credit card account with BOA was 90 days  past due! I was infuriated! 
I logged into my account and saw that the card was reinstated under active accounts and they were charging me interest and late fees for an amount of money which had been paid prior to the due date.Since the account was paid in full I have not been billed once for this account. 
I called the lender yesterday and they agreed it should not have been and they are removing it from their accounts. However, they said they could not remove the 90 day late notice from my credit report for 1 to 2 months! That is simply not acceptable! They are absolutely damaging me financially. 
I am looking at new houses to buy this spring and this false report on their error is going to hurt my score.
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by XXXX XXXX XXXX on XX/XX/2016 which l have no idea about it at all.
In XXXX of XXXX, I obtained a loan for a XXXX XXXX XXXX thru Wells Fargo. I, like many other people lost my job in XXXX XXXX, XXXX. I did what I could here and there never really getting an actual full time job about a full year later. I refinancedvthe car just 6 months later thinking it would benifit me in thelong run. I was a stupid kid and got completely taken in the finance office because I was on unemployment and desperate. I did everything I could to keep this car and paid it in good standing, until I couldnt do it anymore in XXXX XXXX. I called them and they told me a " A VOLUNTARY SURRENDER IN MUCH BETTER THAN A REPOSSESION ''. I told them where the car was and at that time I owed a little more than XXXX. They auctioned the car for XXXX. They told me it would come off the balance. Then one day tgey transferred tge debt to a different part of Wells Fargo and suddenly I owe XXXX. They have been REAGING MY DEBT for a very long time and have cost me ManyLoan and credit decisions. It has cost me Much Higher credit. Please help! I believe it is 100 % Bad Ethics collections and has been for a long time. Thank you very much for any helpor guidance in advance.
Applied for a Citibank Citigold account with promo code XXXX ( XXXX XXXX bonus miles ). Confirmed with multiple reps that I was targeted and eligible. Finished all the requirements and was told that they can not honor because I was not targeted.
This debt is not mine, for XXXX XXXX. I 've already had it removed from my credit reports, by filing complaints with all XXXX credit bureaus, sending a completed Fraud Handling Packet thru XXXX, as requested, to include a notarized Statement of Dispute, Police Report, Proof of Lease at the time this account was created. Got Identify theft alerts added to all XXXX credit reports, purchased XXXX XXXX for myself and my XXXX sons. After getting countless phone numbers, last name, and addresses removed from my credit reports that did not belong to me, this XXXX account has ended up back on my credit reports XXXX XXXX, XXXX ( {$1000.00} ), thru the same collection agency that it was removed from back in XXXX XXXX. Enhanced Recovery Corp. XXXX even had the audacity to send a letter to me questioning XXXX accounts from XXXX and XXXX, after proving this account from XXXX is not mine, the account that started this whole credit disaster. I had proved this account was not mine and although the other XXXX accounts they 're claiming to be mine from XXXX and XXXX, they 're outside of the statute of limitations. The accounts are not mine and should not be in question. My next move is to seek help thru an attorney if this can not be resolved for good.
Over a year ago my accounts were closed by Chase, only after I originally had an account for over 8 years. I finally decided to close this account. I thought I wouldnt need it at the time. I then got a new job, and decided to open a new total checking account. After only a week open and one deposit, chase told me they were closing my accounts. After many months of intensive research. I had come to determine that I am not a risk to Chase. I havent ever filed disputes. My identity was stolen. After asking chase why at the time the lady in the loss prevention department told me it was because of something on my Consumer report, that if I got it removed they would fix my accounts. Well I went into the XXXX, TX branch and was told that my accounts had notes, saying do not open any new accounts call fraud. However I havent ever committed fraud and the manager said he wasnt sure. I ventured into another branch a few months later and was told there werent any notes on my accounts. I would like the decision to be re reviewed. After searching, the claims were not filed by me, in fact my identity was stolen. I placed alerts on all my reports as well, as notified the FTC. What was happening is I had unauthorized charges, which followed unauthorized Claims. These were not from me. I want a second chance, as I am a victim. Prior to that I was in excellent relationship status with the Bank. All my family banks with Chase, as Chase Private Clients. I called last night again XX/XX/2017, after speaking to this nice lady at executive office was told they would research my accounts. When I called last night the rep told me there is notes on there saying fraud again. I dont understand where these notes come from, I have never committed fraud. I would like this to be re reviewed because I dont believe you took into account all the information I notified chase of. Im not a risk. My investments are through Jpmorgan. I would bring all my employer direct deposits, as well as my investment accounts to the bank. Chase, it is my first bank acct. its convenient and Chase customer service is amazing. offers very amazing incentives. I believe I should be able to show the bank and prove Im not a risk. That instead Im a victim
Filing Complaint about Seterus, Inc. tricking me, harassing me and not living up to what their Hardship Customer Service representatives told me. 

I contacted my mortgage company in early XXXX, XXXX to let them know I was having difficulty keeping up with my mortgage payments. I had been looking for work for over 7 months and was still unemployed. My husband had recently passed away and at that time we had to deal with exorbitant medical bills from his 11 year long term illness with XXXX The last XXXX were XXXX as he was almost completely XXXX except for very limited XXXX. Our care for him was 24 hours a day 7 days a week and all his care fell to our XXXX daughters and myself, so I could not work during this time. 
I explained my situation and that my brother-in-law had offered to teach me XXXX and he felt I could be working by XXXX, XXXX. I believe the first person of contact with Seterus, Inc. who directed me to the Forbearance due to extreme hardship was a Supervisor by the name of XXXX XXXX. I do not have all the names of those I 've spoken with but each time I 'm told I can not get back to XXXX and that I have to speak with whoever answers my call. I have spoken with more than a few which has caused me to have to repeat my situation over and over. That tells me their notes on my mortgage and issues are not documented. Each time I waste time getting the new person up to speed. I followed XXXX express directions ... filled out their form, had documentation of my husband 's illness and death, and a letter explaining my situation and what I was doing to work my way out of it. I was told that there should be no issue with my getting the forbearance but that I would have to make a payment of {$4800.00} before they could approve my forbearance. I borrowed the money and made the payment. 
I found out within weeks that the forbearance had not been approved. I was told by the newest representative of Seterus that I needed to change XXXX things on the forms they required. I did so and within an hour had the new forms to them. That was XXXX XXXX, XXXX and I have been harassed continuously since. 
Twice I have filled out the paperwork as they directed. Twice I gave them exactly what they required. I was told this would not be an issue and that Seterus, Inc. would work with me since I had been paying my mortgage payments on time and was a good customer, and with consideration to the hardship our family has been through. 
I am trying to save my home after some very hard times for our family. Please help. I just require Seterus, Inc. to live up to what I was told would happen .... I would make the lump sum payment and they would leave me alone to learn programming and get employed until sometime in XXXX XXXX. 
Thank you for any and all help you can give me to save my home.
Transworld Systems , Inc. XXXX XXXX XXXX, XXXX, PA XXXX has XXXX mailed me collection notices for a bill I paid directly to XXXX XXXX XXXX. I paid {$610.00} on XXXX/XX/XX/2013/15 check # XXXX. It cleared my bank. I have copy of cleared check. I responded to the first notice with a written note back stating that the debt was paid to XXXX XXXX XXXX. I enclosed front and back copy from my bank of cancelled check. The XXXX notice was received yesterday in my mailbox XXXX/XXXX/15. Today I mailed back another response and same photocopy of cancelled check. This is harassment. They could / should have contacted the original debtor.
I have been trying to get this debt resolved for over a year. When you call Portfolio Recovery Associates the Representatives mis represent themselves as being in the " Litigation Department '' as an Attorney, continually mis-represent not receiving my written dispute, transfer me to Managers that are not managers, tell me to call a Department that does not exist, tell me that a Vice President will call to resolve, without getting a call. 

They tell me that I am on a " reordered '' line and when I tell them that I am going to " record '' the call they wo n't speak to me. Today I spoke with no less then XXXX representatives and each lied in a different way.
I opened a Citi Checking & Savings account using their promotional offer where I needed to deposit {$15000.00} in Checking & Savings account and keep the money for 60 days. They were supposed to then process the bonus and pay me {$400.00} within the 90 days. However, a while back I received an email from them saying that I did not qualify for the offer when I never took a single penny out of my account. I still have {$15000.00} in the account since the day I opened the account. I have tried to contact them several times but their staff is very robotic and says the same thing over and over again instead of looking into the issue. They opened a case for me and it has been over two weeks but I have not heard anything back from them. Please help me so I can get my {$400.00} from them that they would not give me as promised. Very disappointing experience with them. Terrible customer service. 
https : //banking.citi.com/cbol/18/checking/400/default.htm? BT_TX=1 & ProspectID=E550C0FED0F6464BB8C1799FCD23A72D " Dear XXXX, Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$400.00} Checking Offer ( `` Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offers required activities for the following reason : The required deposit balances were not maintained during the offer period ''
I have several credit inquiries that I did not authorize and have contacted Experian and they would not help me. I have also contacted these companies and would n't help me either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX or XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX XXXX XX/XX/XXXX Last 4 of social XXXX. Wo n't work on next page
I recieved a notice that a medical bill ( wrongfully ) went to Bay Area collection agency. I contacted the collection agency as per the notice. The person I spoke to was rude and tried to push me into making a payment right then and there. When I explained my situation ( grieving the bill with my insurance company ) he tried to make it sound like I was refusing to resolve the debt because I was not going to make a payment that very day. I asked him about a payment plan and was told the amount of money I could afford ( {$50.00} per month ) was insufficient and that if I did not pay it off in 4 - 6 months ( {$1000.00} per month ), they would send it to further collections and possibly onto my credit report regardless of being on a payment plan. I did not make a payment that day because I wanted to call the billing department and my insurance to determine what was going on. I recieved 6 more calls from them over the course of two weeks. Each time thay I answered, I said I could pay {$50.00} per month and was told again that it was not enough and that I needed to " look at it from the business aspect ''. They did offer a {$600.00} discount if I paid in full, but I can not afford to pay {$5500.00} in full. I finally managed to get on a payment plan for {$50.00} per month under their terms that it was auto debited every month, but was told that this payment plan would only last through XX/XX/XXXX ( 6 months ) before they send it into further collections which could possibly hurt my credit score. Calling 6 times over the course of 2 weeks ( two of those calls in a matter of a few hours ) is completely unnecessary and embarassing when I am having these conversations infront of my family members, especially considering I have been trying to do what I can afford to resolve this debt and every time have been told " you are clearly not interested in fixing this problem. '' I am a mother of two who accumulated this debt from an XXXX XXXX that quite possibly saved my life. I am a real person with real responsibilities trying to make ends meet and do not appreciate being told that what I can afford is not enough and I do not appreciate being harassed when I am clearly trying to fix this problem with what I have. Luckily, I am a XXXX and off for XXXX, otherwise these calls would have been recieved infront of my students and collegues.
I signed up on Chase 's website to be enrolled in automatic monthly paymentson my Chase credit card. I thought that I signed up to pay the monthlystatement balance by selecting " minimum balance '' for my automatic paymentoption, however a few days after the automatic payment ( due date for thecredit card monthly payment ) I found out that only {$25.00} was paid to my creditcard balance and I was charged interest for the days that had passed since thedue date. I called Chase immediately to rectify the situation and spoke to XXXXdifferent staff members who informed me that due to the rules I would have toowe the interest for the time that passed due to the {$25.00} minimum payment. Ifeel that Chase purposely had misleading and confusing wording on " minimumbalance '' for the automatic bill payment so that customers would make thiskind of mistake and they could collect the interest. I have almost always paidmy statement balance in full by the deadline and have an excellent credit rating.
XXXX XXXX XXXX is trying to collect a debit from me. I get it, I owe them money. My complaint is how they are attempting to collect. They are calling my family and providing information on accounts that are not listed on. Today XXXX XXXX from XXXX XXXX XXXX called my wife while she was at work and began providing information about my account without verification. XXXX XXXX provided the bank 's name, the account name that was delinquent, the amount of debit, and how many payments the account is behind to my wife. My wife and I keep our accounts separated and my wife was not aware of any of the information provided. 

This is the second time that XXXX XXXX XXXX has called my wife at work and my wife has already told XXXX XXXX XXXX to delete her work phone number from their system. It was my understanding that creditors can call family but can have their numbers removed especially if that number is a work number and the employer does not approve of such calls. 

I am concerned that they will be calling additional family members and providing similar information.