WillisBack/dataset-financial-user-claim huggingface dataset:
Company placed a collections on all three of my credit reports. I disputed the validity of this debt. I have never been notified of an outstanding debt. I did not and do not acknowledge this debt, they started over the 7 years after my claim was denied on XXXX and updated the other two credit bureaus as if this were a recent account. I have the credit reports from BEFORE I disputed and this was originally reported in 2013. Now I am receiving harrassing phone calls every day. I do not answer or communicate with them.
It says I owe {$1400.00} but the original debt is {$1100.00}? Hows that even legal?
I was scammed on line by a friend which turned out to be an imposter asking me about Trumps federal grant program, ended up giving them XXXX thru Bank of America. The account was sent from and to Bank of America, called them about situation I gave them the name and account number with BOA where money was transferred. I called them about situation someone at that bank had to take the order and someone had to start the account, they said I was scammed and they could not help me. This started XX/XX/17 the money was transferred XXXX Something had to be on camera
XX/XX/XXXX the Internal Revenue Service filed another a lien against my personal estate, XXXX # XXXX in the XXXX XXXX register of deeds office. The lien was satisfied XX/XX/XXXX. TransUnion credit reporting agency says they will not delete this account until XX/XX/XXXX.Transunion feel it should stay on my report until then because it was not satisfied until XX/XX/XXXX and they are acting on the date it was satisfied and not on the original filing date of the lien. The date of deletion for this file should be XXXX.
I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of California issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.
My primary bank is Fifth Third Bank, as it has been for 15 or more years since I opened my first bank account. To my knowledge, I have not disputed charges in the past but did so recently when I made an online order that I canceled within 10 minutes of the order itself. I called Fifth Third 's XXXX number and was informed a provisional credit would be made. I offered to provide the email canceling the service but she said it was n't necessary. The charge was for {$99.00} which caused, partially, my account to be overdrawn and {$110.00} in charges from Fifth Third Bank itself. I recently received a letter saying they denied my dispute because the cancellation must be provided to the merchant before the posting of the item. I am confused because in this instance, it was provided prior to posting.
I have been a Chase ( Washington Mutual ) customer for 20 years and have never received such disappointing treatment as a loyal customer. On XX/XX/XXXX I went into the Chase bank in XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit my income state refund check into my account and make a withdraw. After being asked several questions by the supervisor XXXX and treated as though my check was fraudulent I was told that they would have to place a hold on my check until the following morning when funds would be available. Although a little unusual because I have never had this situation with Chase I was left with no choice. The following morning I received a Chase alert via the chase app that there was a hold on my checking account. I called chase bank where my call was forwarded to the loss and prevention department and was informed that Chase has to verify my check through the IRS website but the site was down. I later called the local bank where I deposited the check and spoke with a teller at first and asked anonymously on what grounds would a hold be placed on a check. She listed several reasons of which none applied to me. I then asked her to look into my case and explain to me why a hold has been placed on my check. Upon looking she sends the call to the supervisor XXXX who informed me that the check was going to be on hold until XX/XX/XXXX because the check was presented to another bank for cashing. I informed her that is impossible because I'm the only one who has had the check and I took it straight to the bank upon receiving it. I also asked her where was the check supposedly attempted to be cashed and she could not tell me. I called chase loss and prevention a second time and was told the check was flagged by IRS saying the check may bounce. In the same conversation she informed me that the check was presented to another bank for cashing. At this point I received 4 excuses as to why a 2 week hold was placed on my check. I also asked the representative from loss prevention for something in writing saying my check was presented at another bank because now I am worried that someone is possibly using my personal information and identity. She refused to provide me a written explanation. This is ludicrous. I would think being a loyal customer to a bank for 20 years I would be treated with some decency. I do not believe my check was presented at another bank or any of the excuses I was told. I have missed payments on bills that resulted in fees it is unbelievable. I am seriously considering closing my account and banking somewhere else. I have never even written a bounced check in my life. I can not see any reason that would warrant mistreatment as a customer from a bank I've had for so long.
I have XXXX student loans and was unemployed for quite some time. During my unemployment, I had all of my student loans deferred - or so I thought I did. I received a call stating my student loans were 120+ days in default. I explained my situation and they reinstated my deferment however they will not remove the derogatory marks on my credit report.
I have a charge for {$51.00} on my  AMEX  Serve Card that I attempted to dispute with card. I had previously attempted to reach merchant several times via email and phone. I was unsuccessful in reaching merchant. Due to extenuating medical circumstances and failed contact with merchant, on  X/XX/17    I reached out to  AMEX Serve Card  to dispute charges for items not received from the merchant. The Card company agent me informed that too much time had lapsed and that could not dispute my charges due to there system would not allow them. I requested the call to be escalated, nevertheless, the Card company agent continued to overlook my concerns. The agent  XXXX , identified herself as a Account Manager but could not provide me with a physical address to write my dispute regarding my claim. The agent told me there was nothing she could do because the computer system would not allow her. I again requested that my issue be escalated to a higher level. She claimed she was going to transfer me to another  manager  but then the call was disconnected in the so-called transfer process. This is not a line of credit, this my own money deposited on this card, and I 'm being denied opportunity to have issue addressed.
These people have harassed me for years!! I believe it's the same people, they just keep changing their fake business name, but when I speak with them I always recognize the voices from before. They're so demeaning and verbally assaulting. 

They call and say I owe a debt, always, but this time, they claimed if I did not pay the debt over the phone, via credit card or prepaid card, the amount I owe would triple. The " debt '' is never valid, never real. They threaten that a process served would come serve me if I do not pay immediately, but I never get served. 

The scariest thing is that these people have my address! They've harassed me with countless phone calls and voicemails, they've called all of my family members and frightened them. 

These people have gotten away with this for years, and I just really hope they can get sued one day for all of the money they've taken from their victims over the years. 

I've never paid them, but they use scare tactics that I'm sure work for them over and over again, which is why they've been doing it for so long.
I received a bill from an apartment management company for damage to the unit. When I called to speak to them regarding these charges, the gentleman told me he would not discuss the amount and even if I sent payment he would not accept it and instead he would send me to a collection agency - which is listed at the same address as the apartment management company - so that my credit would be damaged. 
I never received another bill from either the management company or the collection agency. 
I paid the debt in XXXX of XXXX in order to remove it from my credit report, but this company continues to report as " settled for less than the full balance '' and has even updated my file showing a late payment as recently as XXXX XXXX
I was most likely sent to a 3rd party website that made me agree to something that I did not Agree to.

I did not give you consent to take money out of my accountTrans Union has taken a dollar and then {$20.00} out of my account and nowSince they did that they have overdrawn my account and charge them for {$40.00} I demand a refund and a refund of {$40.00} that is a total of {$71.00} that you owe me. You have done nothing to help All you have done this is cost me money than I don't even have.

I demand a refund immediately And and subscribed meDelete my information or I will go to my lawyer.
CITIBANK CHECKING XXXX BREAKS LAW BY REFUSING TO ELIMINATE ALL SHARING TO EVERYONE OF XXXX XXXX 'S INFORMATION. SEE ATTACHMENT.
I am a victim of the recent XXXX data breach, and a victim of identity theft. The following 2 credit card accounts on my XXXX and Experian credit report are fraudulent, unauthorized and the results of the XXXX data breach : XXXX XXXX and XXXX XXXX. The 2 accounts arent mine and dont belong to me.
After my complaint to CFPB regarding the broken laws from XXXX XXXX XXXX. They sent this letter. This is a letter of proof from XXXX XXXX XXXX that they have CEASED all collections at this time.
This is the second time this month!!
On   XXXX   XXXX   I deposited {$620.00} to my checking account, this would bring my balance in the account to {$930.00}. However Key Bank only gives you {$100.00}. of the deposit on the day it is deposited.
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On   XXXX   XXXX   I wrote a check for {$300.00}. and deposited it into my business account at another bank and I had a direct withdraw from my account for {$140.00}. Now even though I had a pending deposit they charged me an overdraft fee AGAIN!! This is wrong!! They can process my check from another bank the same day, but they ca n't process my deposit the same day.
This is just wrong!! I also believe it to be illegal if I have a pending deposit that would more than cover the overdraft amount.
They are threatening me with legal action and I have no knowledge of this account. this is through a third party.
I recently had a medical issue and needed an operation, which caused me to fall behind one month XX/XX/XXXX with Wells Fargo Mortgage bank. I made payment arrangements, many calls and spoke to several representatives XX/XX/XXXX and XX/XX/XXXX to make 1 month and half payment that would have equaled 3 months Mortgage payments. This payment arrangement was approved by a supervisor. On three several occasions I had to call XX/XX/XXXX to find out why my account was not posting as current, and no response ... .. but they would make an inquiry. They finally took the money and applied it to other fees and as of this date I am in arrears for 2 months where I should be current. I contacted several supervisors at a higher level who stated they would help me straightened it out and as of this date, XX/XX/XXXX they have not. They suspended my automatic withdrawal, and my XX/XX/XXXX payment sat in the Bank. I spoke to a high level Well Fargo representative who told me, " dont worry it will come out, you have automatic withdrawals ... ..and it did not. Therefore, this made my XX/XX/XXXX payment late. Thus, all of this has affected my credit report. In addition, the treatment Wells Fargo representative gave me was disrespectful, callous and condescending. They were unwilling to hear my story, I had a valid payment arrangement that they made for me, and I kept up with my part, and they did not.
I sent letters to XXXX, Transunion, and XXXX on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXX I was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was Wisconsin FED LA XXXX Docket # XXXX. I was than told that was not acceptable.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX PARK XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
On XX/XX/2018 I attempted to log in to my Chase account. I received a message saying that my account was suspended. I contacted the bank and they told me my account was being closed and that I would have to wait for 10 days for my account to be closed and that they would mail me a check. I was not notified that my account would be closing and I have no access to my funds. I also had money transferred to my account in the amount of {$800.00} that was also held up that is needed for bill.
I noticed this account from XXXX on my Credit Report back in XX/XX/XXXX. No clue who they are. I have disputed this account for the last 4 years and 5 months. Recently they sold it to XXXX XXXX who now has a collection agency handling it but not on my credit reports yet. I have disputed this account about 10 times and each time they say it is mine. Finally in XX/XX/XXXX I got a copy of their loan agreement. It has no social security number listed, no birth date and the signature is some docusign and says XXXX XXXX. Not even my name as I always use my full name with middle initial. XXXX XXXX is doing nothing to investigate this properly as I have attached the documents to prove to you. Which I have also sent to XXXX XXXX and all 3 credit bureaus but seemed to get me no where. Also now my credit reports says XXXX XXXX reports I made a payment on XX/XX/XXXX on 1 credit report and XX/XX/XXXX on  another report but on one report said I never made a payment. This is destroying my credit and nobody is helping. I want proof this is mine and can't get it. I want to see my social security number that was used, birth date and proof these payments were made when they say, Also noted XXXX I never got a letter or a phone call from, all of a sudden they sell this account to XXXX XXXX and now they are calling. Please Help me resolve this.
I have or had XXXX Chase credit cards XX/XX/XXXX a master card and visa card that was sold to XXXX collection company. I went to court in XX/XX/XXXX and again in XX/XX/XXXX for both. The attorney did say he will dismiss the accounts that day. And they still put both into judgement even though I did appear in the courthouse. Since then I received from Chase a letter for the Master card saying they discharged it and I filed my tax papers for it, that was in XX/XX/XXXX. My Visa card is still showing a judgement and was sold to another collection company as of this year. No letter from XXXX about them selling the visa account. As of yesterday I received a letter from Chase Master Card advising me about collections Litigations and that they will no longer collect on the account. Why did they not included the Visa account as part of the ro-bo collections of the time in question? I am still not gainful employed do to being a caretaker to both parents since that same time. 
Please advise me as to my next step. Or my next step will have to be chapter XXXX.
I called into Enhanced Recovery Cor to settle my {$370.00} XXXX account. I asked to speak to a manager because things usually go better that way. The representative asked me why, I explained, she replied with " so you think that 's going to help you not pay ''. 
She ended up transferring me when I threatened to hangup. The manager was rude, constantly interrupted me, raised his voice. When I offered to settle for {$100.00} which is all I can afford & a little over 25 % he laughed & said I needed to try & settle for at least half which is {$180.00}. I told him I could n't & he said that his company would check into that & call me every few days until I figured out how to pay it.
Dear Sir, I have submitted a written request to Central Credit Services for the validation of debt. I have yet to receive the information requested in writing. The request was sent on XXXX/XXXX/15 and accepted on XXXX/XXXX/15. Prior to the written request, I have had XXXX verbal communications with the collection agency. I believe that they are in violation in a number of statutes and my credit profile should be expunged of these items.
I opened a Chase credit card in XXXX with an APR of 19.99 %. In XXXX, my card went over the limit by few dollars because a transaction was posted late. I paid the balances immediately. However, Chase started charging me penalty APR of 29.99 % because I went over the limit by few dollars only once. It has been almost 8 years since that incident and Chase has not revised my APR yet. 
I have contacted Chase twice in last 3 years I was told they do review lower APR eligibility every 6 months. I asked the representative what should I do to qualify, he told me to sign up for auto pay and keep my credit in good standing. I am enrolled in auto pay with Chase for more than 2 years and my credit score on all three bureaus is above XXXX addition to a good credit score, I also confirmed that across my credit reports : 1 ) No negative comments/marks ever. 
2 ) Never missed a single payment on any of the accounts. 
3 ) Low balance to credit ratio on revolving accounts ( XXXX25 % ) Interestingly, I have another Chase card on which I am being charged 19.99 %. Also, when I am logged into my Chase account, I am told that I am pre-qualified for a Chase Slate Card with 13.24 % APR ( including prime ). If I can qualify for a lower on an existing card and an even lower rate on a new card, I am not able to understand why Chase is charging me more than double interest rate on my existing card? I believe Chase is more interested in getting customers to open new accounts. 
The only reason I have not closed this account yet is because it is XXXX of my oldest card on the credit history and Chase knows closing the oldest account will adversely affect my credit score.The lenders see a 29.99 % APR account on my bureau report, they could consider me a risky customer. 
I would appreciate if Chase can provide an explanation on why am I being still charged a penalty rate while Chase is offering me much lower interest rate on a new product. 
I hope Chase also considers my relationship of 8 years with the bank. 

I also contacted Chase explaining the whole situation above through customer service and " We 're listening '' program but they gave same old response " Chase reviews account every 6 months and I do n't qualify ''. 
They did not provide me an explanation on why I qualify for less than half APR on a new card ( screenshot attached ) and not on the current Chase XXXX card. 
I called up Chase to follow up further and this time a senior representative mentioned Chase does n't revise APR at all. 
It is hard to understand why I would get an exceptionally good rate ( probably lowest ) on new card and at the same time I am charged highest possible interest rate on new card. 
I request CFPB to look into this issue with Chase and ask them to be more consistent and clear in their response.
Accounts XXXX and XXXX were added without my knowledge. Furthermore, I have no knowledge of the accounts that are reported. I contacted Equifax and reached out to the companies reporting. I still haven't received any information regarding accounts and Equifax is still reporting. No other credit bureau 's are reporting XXXX account. Now, recently they added XXXX to my credit report without my knowledge. I do not recognize these accounts and do not belong to me. It has also been past the 30 days allowable timeframe, as I've been in contact regarding these accounts since XX/XX/XXXX. This is in violation of the FCRA and FDCPA.
I owe Ohio Acceptance Solutions Group money from a payday loan that I received from them. Due to unforeseen circumstances, I am unable to make my payments at this time and have been willing to set up an arrangement with them. I have emailed them at least 15 times asking them to stop calling me at work because it puts my job in jeopardy. They continue to call and hang up. They are calling from XXXX. If you call that number back, it is them. I need these calls to stop!
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask XXXX XXXX XXXX XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXX XXXX XXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
I have contacted this company in regards to accounts that they have sold to third party collection agency in an effort to get the accounts validated. However, the company have failed to provide any information that shows my signature. You have ignored my request to provided me with signature of documents that you have in your files that can verify that these are my accounts. Therefore, you have not NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. After reviewing these files I am to believe that your company have allowed multiple of accounts to be open without my authorization. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified with a signed contract bearing I am the debtor for the debts or deleted immediately.