WillisBack/dataset-financial-user-claim huggingface dataset:
I have a citibank account for XXXX XXXX credit card. The issue I had with them was the fact that I called to make a payment over the phone and to get the account in good standing with a payment plan of some sort as i was behind by XXXX or XXXX dollars, did not make full payment XXXX months. Well they offered me a XXXX dollar a month plan fori beleive 42 months, I agreed and make a XXXX dollar payment that day, the next month i made XXXX payment on the XX/XX/XXXX. The third month i made a XXXX payment on XX/XX/XXXX and was going to pay XXXX on the XX/XX/XXXX -- -payment not late till after the XX/XX/XXXX but when i went to log on to pay i could not logon so i called and they said account was sent to collection company. I asked them about the agreement and they said there was no agreement, and asked do i have it in writing. I told them they never sent paperwork but i gave them the date i called and asked could they not pull notes or andthing from that day i called, and they said no, so I am fixing to add them to a Consumer Credit Counseling Servce program I am currently in and i wanted to make sure they at least agree to terms with that program since they did not honor their agreement at first.
On reviewing my TRANSUNION credit report, I discovered that XXXX XXXX Delaware had initiated an fraudulent inquiry on XXXX/XXXX/2015 into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of XXXX XXXX Delaware unilaterally made unauthorized inquiry into my credit profile.
Transunion removed inquiries from my credit report and re-added the inquiries without notifying me.
BANK O F AMERICA,   XXXX     2016, I ha d my wallet stolen in  XXXX   XXXX  NJ. Police report was filed and all institutions were notified and cards cancelled. On  XXXX / XXXX /   16 and   XXXX / XXXX /   16 th ere were  two fra udulent transactions in my Bank  of America  account. Each time {$1800.00} was withdrawn from my savings account from  2 different locations. I have never withdrawn any money from this account nor have I ever banked at either the   XXXX  or  XXXX  branch locations. I filed another Police report and notified Bank  of America. I have addressed the situation numerous times at my lo cal   XXXX    branch and  on the phone with  Bank of America . In  XXXX , my local branc h manager, admitted that the charges were fraudulent and added ba ck {$1800.00} to my account and stated he had to wait to add back the additional {$1800.00}. In  XXXX ,  Bank of America n otified me that the case was closed and they removed the {$1800.00} credit leaving me with a - {$3600.00} deficit. I have tried numerous times to get answers and have only been told the case is closed.  Bank of America  never contacted me and they never looked at the police report that was filed. I am happy to provide more information such as accounts, names, and police reports.
I closed my business Paypal account in XXXX with a zero balance which Paypal says it has to be to even close an account. XXXX XXXX, XXXX Paypal linked to my new account with {$560.00} in it and froze it without warning. 

Apparently their was credit card chargebacks on my old account that I had previously closed. There was 11 customers who received their luggage and they chargeback on my account that was closed. If I was alerted to this problem and showed Paypal my tracking numbers these customers would not have been able to chargeback on my closed account because it would have showed that the luggage was delivered in good working order. But since I was not notified by mail or email which Paypal had and did not notify me, a amount of {$600.00} was charged back on my old closed account. 

When I closed the account, Paypal assured me that nothing can be done to me account if it was closed. 

They linked my account which they have in the past and it was fine with notifications and I had alway been notified. 

This time no notification, no alerting me, no emails, phone calls, no mail to my address all of which they have on file. 

I had to use this money for my child support payment which they froze without warning. 

Now I am out of the {$560.00} which I had in my account and I will never see again. Now I understand if they would have alerted me I would have had ample of enough time to fight the chargebacks and my so called mysterious balance. I am out my luggage that these folks still have and never returned and I am out {$600.00} from Paypal. 

This is freud and I also know they are not a bank and apparently unregulated. I am surprised that there is nothing I can do in this case and feel like an am robbed of my money with Paypal. 

There are folks who have this happen to all the time. But my case is a closed account. This is new and never has happened with Paypal. It just happens to be a new thing fro them to do what they want without cause or warning. 

Please help. I can be reached at XXXX.
I checked my credit report at a mortgage lenders office. A TransWorld Systems has reported a delinquent collections from a medical bill in 2011. I called to settle this issue. They claimed that " the client '' does not offer settlement options and I need to remit the full amount of {$940.00} ( {$220.00} from XXXX/XXXX/2011 and {$720.00} from XXXX/XXXX/2011 ). I called the " client '' they mentioned to discuss repayment or settlement options ( the hospital ). They informed me that it was well past the statute of limitations, it is an old bill, and it has been deleted and is no longer in there office. At this point I called TransWorld back and relayed the information and continued to offer a settlement in order to close the debt with a one time {$500.00} Visa payment ( over 50 % of the original amount ). They continue to tell me that " the client '' does n't offer settlement or does n't have settlement guidelines. When I called the hospital back they informed me that they do not even work with this organization anymore ( TransWorld ). I 'm simply trying to to take care of this the best I can and it seems they continue to feed me false information on the origin or settlement options of this debt.
I assume the company in question is Portfolio Recovery Associates, though I can't verify this, as they refuse to leave a message or identify themselves over the phone, but based on the number out of Florida they're using, I was able to find similar complaints online that identify the company as PRA. 

I received a collection 's notice from PRA a few months ago. After I sent a certified letter requesting validation of the debt, they either could not or would not provide the requested documentation, so I assumed the debt was - in fact - NOT valid and received no further communication until yesterday, XX/XX/XXXX. They did not leave a message, and then called again this morning and would not identify themselves as PRA, despite me already having looked up their information online. 

I've included a copy of the debt validation letter dated XX/XX/XXXX.
Hello just wan na say is unfair that capital One Credit Card Compagny charge me twice for cash advantage fees, first one is {$90.00} which is correct and {$50.00} which is incorrect
The water finance company Aqua Finance was a fraud and not correct with their offering to give for their product everything was fraudulent and I think its not right to do people like that and I want it off my credit
This company continues to report this fraudulent info on my credit reports. They say they 'll remove it and they do, but they put it right back on again XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX
to whom make concern ERC collection company claim that i owe them XXXX for an utility bill XXXX i have disputed the account which they fail to reported to the credit bureaus my initial letter i send to them was in XX/XX/2017 and the other one on XX/XX/2017 by not reply in a timely manner to my initial letter you signed for on XX/XX/2017 you have not only violated federal laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately
In XX/XX/XXXX XXXX  sent me a single email to an address that was setup at the beginning of me attending university. I was never notified via email of phone that my IDR would be expiring soon. On XX/XX/XXXX I happened to check my account and see the payment is nearly 3x the amount it used to be ( {$91.00} to {$290.00} ) because IDR expired and I had not seen the single email they sent to a now defunct email address. I immediately resubmitted my IDR plan and am now told it'll take up to a month to process as it has to be " manually reviewed ''. The first time this process took no less than two days while I  was in a grace period ; now, however, they say that " the system '' was unable to process my information despite it being taken right from the IRS website. I've called them multiple times and all they can offer is to continue forbearance, which results in expensive interest capitalization. All the while I am missing important payments that would be going towards PSLF. Being in between jobs and having a strict budget means I was anticipating the IDR payment amount. I find it completely unacceptable that they are allowed to take away IDR from people who are just starting their careers and can not afford to pay the original amount.
On XX/XX/XXXX I submitted a Payment for the final amount of {$42.00} it was processed on the following day, On XX/XX/XXXX they took another full payment of {$68.00}. I called them on XX/XX/XXXX to get the problem resolved. I was told that the payment would not stop until I called them, so they would have continued to take monthly payments every month had I not called on the XX/XX/XXXX but it was to late and they could not refund the amount taken on XX/XX/XXXX even though they were paid in full. I again tried to contact them by email and again on XX/XX/XXXX with no avail they keep insisting that They do not owe me anything but the {$19.00} which would have been the only over payment if I had not paid the full amount on XX/XX/XXXX. So now I am going to have to go to my bank and have them refund my money to me that they will not an go through the whole aggravation of fixing their mistake. It is not fair nor is it right that this is how they conduct their business. Thank you for your payment. Below you will see the email sent to me. Due date of XX/XX/XXXX2018 paid on the XX/XX/XXXX. I removed account information for privacy reasons. Their should not have been any other payment due on the account or any more money take from my account. 

This email is to confirm your payment submitted on XX/XX/2018 for your Preferred Credit account. 

Confirmation Number : XXXX Payment Amount : {$42.00} Scheduled Payment Date : XX/XX/2018 Amount Due : {$42.00} Payment Due Date : XXXX-2018 Account Nickname : XXXXXXXX Routing Transit Number : XXXX Account Number : XXXX Account Type : Checking Account Category : Consumer If you have questions about this payment or need assistance, please view the payment online at http : //www.preferredcredit.com, or call Customer Service at ( XXXX ) XXXX. 

Thank you for using the Preferred Credit electronic payment system. 

( A friendly voice when you need it - easy, self-help options when you don't. )
I got a blocked call from a XXXX XXXX. I think he is a courier and process server. 

He left a phone number for XXXX XXXX XXXX, a New York debt collection company. I called the company and asked them what this was about. They said they received an account from Perfect Collection.  They said Perfect Collection received it from XXXX XXXX. They had my address as XXXX XXXX XXXX XXXX in XXXX, Wisconsin. However, they did have my correct date of birth and last four digits of my social security number. 

To be explicitly clear, I did not purchase or lease an alarm system from XXXX at all. I have not and do not live at the address listed. I have not and do not know who lives there.
XX/XX/XXXX The company " Credit Protection association '' XXXX Texas XXXX placed a collection in the amount of {$88.00} on my XXXX credit report on behalf of XXXX. I do not owe this money and XXXX has no record of ever sending my account to collections. 

Credit Protection association made no attempt to contact me by mail or phone. They did not give me an opportunity to dispute the error. I was not aware of the amount in collection and have proof that I am in good standing with XXXX. I recently applied for a mortgage and learn of this collection and Credit protection told me when I called the first time that they had no record of me in their data base. Two weeks later when I called they located the file. 

They refused to remove this from my credit report until they Verify with XXXX and they told me that they will not provide me any updates. They also refused to provide me with documentation when they clear up the matter. I need this for my records and to provide to my bank. 

My XXXX account is XXXX. I have been with XXXX XX/XX/XXXX and in good standing as my account has always been on auto pay.
I was wowed and tricked into attending this school by unfair practices the recruiters made. They painted this picture of state of the art equipment and other " bells and whistles '' the school allegedly had. Once there I was told I needed loans to pay for tuition. Initially I did n't qualify for these private loans. The financial aid advisor told me " do n't worry we 'll find a way '' this " way '' came at the cost of private loans through a company called XXXX now XXXX XXXX XXXX. I am now in debt XXXX dollars and ca n't afford to make payments. This loan in my eyes was textbook predatory lending. I was mislead and not informed of what the end costs would be and now I am very behind and overwhelmed with this lender. What can I do? Is there any relief?
An empty lot adjacent to the property that is the Commitment in the Security Instrument for my mortgage had a lien incorrectly placed on it. I would like to sell that lot, and can not get the mortgage company to remove the lien. XXXX backs the mortgage, and Green Tree Servicing , LLC is the servicing agent. Green Tree refuses to process my request for a title defect from origination, which is the preferred method per XXXX servicing guidelines. Instead, they want to process as a partial release of mortgage, which requires them to make the determination that the release of property does not adversely affect the debt-to-asset ratios, which it will. Therefore, they are unwilling to fix the issue. The county will not remove the lien, unless the mortgage company is willing to sign that the lien is in error, or that they willfully remove the lien. Since, neither Green Tree or XXXX will sign a document, or resolve the title defect, I am unable to sell a lot that was never part of the mortgage. 
I am attaching the original mortgage, which shows a purchase of Lots XXXX and XXXX, with the transferred property rights in the Security Instrument being only Lot XXXX ( see bottom of XXXX page of attached mortgage, under section TRANSFER OF RIGHTS IN THE PROPERTY ). I paid cash at closing for Lot XXXX, which as an empty lot, could not be made part of the Security Instrument.
I opened a Discover Bank Checking and Savings account on XX/XX/XXXX. I transferred {$5.00} from my XXXX checking account for the initial opening of both accounts, which was received and accepted on XX/XX/XXXX, I had also scheduled for {$50.00} to be sent to the new account on XX/XX/XXXX. On XX/XX/XXXX I received an email that both accounts have been suspended and to call immediately, which I did. Upon calling them, I was told the accounts were n't suspended, but actually closed and the initial {$5.00} would be sent back to the issuing bank and the {$50.00} that was in the process of being transferred would be rejected and sent back to the issuing bank, as well. It is now XX/XX/XXXX and none of the money has been sent back. I called them today to find out why the money had not been returned to my issuing bank. I was told a variety of stories : 1. The issuing bank had to send a letter of indemnity to Discover in order to return the funds. When I asked why, I was told it was policy. I explained I had been told in the last phone exchange that the money would not even be accepted, so I should n't have to jump through this hoop. I asked for a supervisor. 
2. XXXX, the supervisor, continued to say that it was policy to get the letter of indemnification. I asked for the policy that dictates this. She led me to the National Deposit Account Agreement online, wherein it states that " We can close your Account at any time for any reason, including if the balance in your Account is zero. If we close your Account, funds on deposit will be disbursed to the Accountholder ( s ). '' I asked XXXX where it says anything about a letter of indemnification. She said it 's policy to require it. I told her she was a liar and wasted my time. I explained I could understand if they had policies in place to guarantee that I was me if I wanted them to send me a check, but I only wanted the money returned to the account from whence it came. I was n't asking them to return it directly to me, so they would have no loss and would therefore, not need a letter of indemnity 3. On a subsequent phone call ( we were disconnected ) to XXXX, she stated that when their " investigation '' was done and the letter received, they could release funds. I said, " What investigation? '' She said I was being investigated for fraud and that was why they needed the letter. She refused to tell me what prompted this investigation. I told her this sounded like a ruse to avoid releasing funds since it has not been mentioned in ANY other correspondence or communication. It was unlikely that I was committing fraud for {$50.00}! 

I believe Discover holds funds they are not entitled to in order to increase the interest they can get off those funds and the more hoops customers have to jump through, the better. They have told numerous lies throughout this process and they should be held accountable for this.
I requested " validation '' of a debt I supposedly owe  to Wakefield and Associates. Th ey received the letter on  XXXX   XXXX ,  2017 . They sent me a copy of a bill for {$540.00} but the amount reported on my credit reports is $   XXXX .They were una ble to provide me with anything bearing my signature to prove I have an obligation to pay them. I pulled a credit report 30 days later and noticed the account was not updated as " disputed ''. I notified them of this and requested the account be removed from my credit reports. They responded by then updating my account as disputed and telling me the do not have to provide any additional verification. Not only has this company violated the law by not updating my credit report within the 30 day time frame, they are not bonded with the Te xas Secretary of State to even be able to collect debts in the state of Texas.
I have tried on numerous occasions to negotiate a hardship payment request with the company. They refuse to negotiate or grant hardship until I am delinquent at least two payments. I have not missed a payment in ten years and have paid late once within the last year. This late payment was in two days of the due date. The only option Bank of America gave was to ask for my XXXX interest rate to be lowered. When I requested ton have my interest rate lowered 3 different times they refused to lower the rate only stating that the interest rate at this time is correct for this type of account. I should not be made to go delinquent to negotiate a hardship. I am trying to remain current on my payments just not in this amount. At this point with the interest rate as high as they have it after paying {$300.00} as a minimum payment only {$35.00} was counted towards the principal. The rest went to interest. They also counted my purchases after the payment was made thus increasing the balance after I made my payment. I also feel this is predatory because XXXX of my other credit cards are giving me a lower interest rate. I am starting to wonder if they are charging me more based on my race and not my credit score.
I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my XXXX XXXX XXXX checking account. I filed a police report which has been attached. XXXX XXXX XXXX risk department froze my checking account and closed it. I was told by numerous XXXX XXXX XXXX employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that XXXX  XXXX XXXX has reported the hacked accounts to ChexSystems and XXXX XXXX XXXX. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.
I sent in information about the bankruptcy being removed from my credit report and the inquiry Credit Info to be removed and also sent in a letter stating the bankruptcy office does not report that information and that it needed to be removed. These has not been validated.
The following accounts do not belong to me : XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX # XXXX account number unlisted Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account
XXXX XXXX XXXX XXXX  and XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I do not have a reason for a debt collector to call me. One message has been left and when I XXXX the number is seems from other it is not legitimate. They are just trying to collect personal information. The numbers are XXXX XXXX XXXX and XXXX XXXX XXXX constantly calling.
About 3 years ago, I had a debt relief company " XXXX XXXX '', help me with some debt relief. Paid them a total of approx $ 10K. Everything went well. No issues. Everything seem to be taken care of.

About a month ago, a company called Crown Asset Management filed a lawsuit on me for some old debt that was " taken care of ''. ( suing me for some added up debt of approx $ 18k ) I wasn't notified by Crown Asset Management, only to be caught by surprise, a lawsuit. " XXXX XXXX  '' appears to be out of business as of sometime in XX/XX/XXXX so that is to no surprise.

My only action was to get an attorney on my behalf to help with this matter.

On top of everything, my attorney found some charges that I am being sued for that I believe were from identity theft. From the little information that we found record of, there was at least three transactions on XX/XX/XXXX in the amount of {$1500.00} that I believe someone stole my identity and used. Maybe even more before that.

There are two companies I wish to file complaints on, Crown Asset Management and XXXX XXXX.

They may even be connected together in this scam ... ... ..I don't know, but intend to get to the bottom of this.