WillisBack/dataset-financial-user-claim huggingface dataset:
I went to see a local attorney to discuss and shared parenting revision to take my XXXX year old minor son to PA where I had obtained a good job. I met with the attorney once in XXXX 2015. He took some pertinent information. I met with him again at the end of XXXX 2015, still unsure if I wanted to go through with this, take my minor son, and move to PA. I had given his receptionist my credit card information if I wanted him to take the case. I signed a contract that stated he could do all the work ; file petitions, if the former husband gave me any problems, appointment of a 'guardian et litem ', etc. Toward the middle of the meeting I decided I did not want him to help me. He was late for the appointment, seemed XXXX and in XXXX with his records and his office. He also kept cursing. I asked him to tear up the contract and give me my {$2500.00} back. He billed my XXXX another {$2500.00} He said to send him a certified letter and he 'd give me my money back and would send a copy of the null and voided contract. He lied. He sent me an inflated bogus bill for services he DID NOT perform. He sent a bill for {$3500.00} with a refund check of {$1400.00}. I called XXXX and they originally took the {$5000.00} off. He fought back and sent his bogus bill, the contract with my signature and copy of signed slip for {$2500.00}. XXXX then gave him ALL of the money back. He has my refund of {$1400.00} also. I had another local attorney do the filing and revision for me for {$600.00}. When I called XXXX they closed their investigation and stated if I had sent the other attorney 's fee and what she did, they would have maybe given my money back. They did not tell me to do that and I sent all the information they had requested. It seems they did not take my story into account or these major issues with him. It is my XXXX, not his. 
XXXX took MY money and gave to this creep. I am a single mother and he must have found out I had a ZERO balance on my card with a {$5000.00} limit. I also took the money off as soon as I found out that he lied, billed my card another {$2500.00} and figured out he was scamming me. I just want my money back. There was no agreement that he would charge me {$5000.00} to talk with him for only 2 ( two ) hours. XXXX did not follow the consumer rules. 
Thank you.
My current complaint is compounded : complaints # XXXX and # XXXX ; as Trans Union responded XXXX by sending ME a " corrected '' credit report and credit score of XXXX ( reflecting the near-accurate credit utilization adjustment to 10 % ), they have not officially updated the score as XXXX XXXX reports a much lower score as of XXXX. So, there are XXXX different Advantage scores? Who 's kidding who ( supportive docs attached )? 

This is what I was talking about when I said if these credit reporting agencies were hit with {$1000.00}. fines every time they even tried to skirt around compliance, they would quickly adjust their behavior. They are simply INVENTING variations of the same product to sell ( or give ) to anyone who 's willing to go along with the concepts!
I was called three times today ( XX/XX/2018 ) by XXXX XXXX XXXX for a debt that is not mine. Our number has been on the do not call list for three years and I'm sick of these people constantly calling me. At this point, I can't even remember how many times they have called in the three years we've had this phone number.
This account at Conn 's for my mom, was researched by a Conn 's credit manager, XXXX on XX/XX/2017. She verified that one sister purchased a computer and combined the purchase onto my mom 's account. This was done without my mom 's knowledge or authorization. At that time while my mom spoke with XXXX and asked how could she have them stop calling her for an unauthorized charge to her account. XXXX explained that if my mom provided a fax with her name, address and phone as well as the name and phone of the person who charged on her account. They would then stop calling and then pursue the correct person. 

For some time they stopped calling my mom. My mom passed away XX/XX/2018 a month before her XXXX birthday. Two months later my XXXX sister began receiving phone calls and I began receiving letters about paying this account. I asked to speak to the manager and explained what transpired in XX/XX/2017 with my mom and XXXX to no avail. The letters increased as well as the calls to my XXXX sister. Both of us are XXXX and grieving the loss of our mother and XXXX other close relatives the past 5 months.
My attorney sent the following letter to XXXX XX/XX/XXXX requesting a response with evidence the car was in fact damaged, which it was not. Nothing has been sent back. So now its XX/XX/XXXX and XXXX has sent me to collections with a company called Viking. There are many complaints on the CFPB site for both of these companies, and I want the harassment to stop. I never damaged the vehicle, there is not proof, I turned it in without any issues and I inspected it with the XXXX employee. Here is the letter sent back in XX/XX/XXXX : Re : False Accident Claim by XXXX ; rental agreement # XXXX XX/XX/XXXX To Whom It May Concern ; I received a claim from your companies on XX/XX/XXXX, dated XX/XX/XXXX, in reference to a car returned at the XXXX, TN airport XX/XX/XXXX at XXXX. 
The claim states there was an accident, collision, to the vehicle, and that I am to pay {$1300.00} for said damages. This is impossible as I never crashed the vehicle, I returned the vehicle to 2 gentlemen who were working at the drop off location, we walked the vehicle, and there was NO DAMAGE. No one called us to tell us there was damage after the fact. No one sent me a report for the damage, and I have not seen or been sent any pictures of the damage. Yet I receive a letter an entire month after asking for a payment to damage that was never done by me during my time with the vehicle. So the vehicle was repaired before even reaching me to discuss or show that there was damage to the vehicle. 
Further I called XXXX, XXXX, at XXXX, 3 business days in a row ; 1 ) XX/XX/XXXX left message 2 ) XX/XX/XXXX did not leave message 3 ) XX/XX/XXXX left message No return phone calls were made, and all 3 calls were made from my cell phone, which has a record of these calls. 
This is a completely false claim or gross error on your part, and I would like a letter sent back as the effect. I will seek legal action if either XXXX or XXXX decide to further proceed with the false accusations about me having and accident in the rental car. As I stated above, I dropped it off and there were 2 attendants laughing and talking. One came and walked the car with me, and I gave him the keys and went on our way.
On XX/XX/2018 I certified mailed XXXX XXXX XXXX a section 609 ( a ) ( 1 ) ( A ) Dispute for account #  XXXX Account # XXXX I have patiently waited beyond the federal aloted time. Trans union has failed to provide any verifiable proof of these damaging accounts be accurately reported. I have contacted the accounts being falsely reported and I have been advised to disput through Transunion. I am providing proof of disput and receipt of certified mail with a copy of the notary. Pleas remove these account Immediately under FCRA.
My husband & I took a Home Equity Line of Credit with US Bank in XX/XX/XXXX. We also took joint life insurance and disability on my husband, XXXX, with the initial loan. My husband had used the insurance for a XXXX XXXX about 10 years ago & I believe the insurance paid slightly over one monthly payment & then luckily XXXX went back to work. In XX/XX/XXXX, XXXX was hospitalized in XXXX for 45 days, placed in a XXXX on a XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
In XX/XX/XXXX I called US Bank to file a claim for XXXX  payment on our Home Equity Line of Credit. The USB representative told me that credit insurance did not include XXXX payments. I asked him to check the original note as we had used it once before. The monthly payments started after much documentation from XXXX XXXX XXXX XXXX to US Bank. We file a doctor form almost every month and the Insurance company sends an ACH credit directly to US Bank.
The problem I am having is not understanding the Payment credit once US Bank posts the payment. There is always a lapse in time from the date XXXX XXXX sends the credit to the date applied at US Bank. Sometimes US Bank back dates the payment & sometimes it does not. Without dates it becomes almost impossible to assess what payment date the insurance payment is crediting to which US Bank monthly due date. I have contacted the Branch Manager, XXXX XXXX and the Personal Banker, XXXX XXXX at my local US Bank in XXXX, WI. Both have tried to help make sense of the payment applications. They have both worked together to get an answer from a division of US Bank titled CLLO, Consumer Loan & Lease Operations Department. The local staff concurs that the information online and on our home equity line of credit statements do not make sense. At times I have a payment due & other times I do not. I have paid them & then had the payment reversed, I have had 2 late charges, one refunded, one in process of refunding for over a month, still showing on my online bank site. I had had automatic payment until XXXX XXXX started to make payments and then US Bank removes the Auto Pay option. I have no complaint what-so-ever with the local bank staff ; however, if the numbers, dates & dollar amounts paid by XXXX XXXX XXXX XXXX do not make sense to me, the bank employees who have tried to help and there is still no help from the specialized division of US Bank, I am left with questions. Is the credit being applied accurately? Is this happening to other US Bank clients? Numbers should make sense and eventually provide a full, clear & concise picture of all transactions. I have been asking for help for 1 year & 8 months.
I keep receiving a call from XXXX, A company called City Management. This guy says his name is XXXX. He claims he has a complaint against me from XXXX from some payday loan place. I asked him to send me the paper work, he is refusing. I told him to send me the paperwork or stop calling me. I hung up the phone. He called right back, and in the message he left, he was reading me my rights.
Wells Fargo fraudulently " forced-placed '' flood insurance on my personal residence resulting in my having to pay thousands of dollars unnecessarily. The living area of the home is NOT in the floodplain, in fact is XXXX feet above the contour line of FEMA 's " approximated '' flood map. Having complained multiple times to branch managers and regional directors, I was told only " to have FEMA change their map ''. 
Riiiight. FEMA, really? As an engineer, I actually tracked down the paperwork to do so. Onerous is a massive understatement. It would have cost many thousands of dollars to prove a point easily observed by the topo map of my house ( which I do have ) then comparing the topo with the FEMA flood contour map. Wells Fargo LOST a class action suit related to forced-placed insurance recently. I chose not to participate since I intend to file suit myself if they refuse to refund every dime paid for flood insurance at XXXX XXXX XXXX XXXX in XXXX, Texas.
Sometime in XX/XX/2017, my lockbox was stolen allowing someone access to my home. Credit cards were stolen and some cash. Apparently, other items were stolen that I wasn't even aware of. Whoever stole my credit card hacked the online account and I never received statements notifying me that payments were due. I was informed of late payments in XX/XX/2017 and disputed the charges then with XXXX XXXX XXXX XXXX. I went through their process and have been going through their process ever since. The company continues to notify me that I am responsible for the charges yet have never provided any investigation notes etc. I think it's unfair that I should be held responsible for the charges of now more than {$5000.00} that I did not create. I even tried to have the XXXX investigate and XXXX refused due to their policies. I am uncertain where to turn for help.
XXXX of 2016 I started to receive letters telling me I'd face criminal prosecution if I didn't pay the debt in full. They followed that by calling me a piece of XXXX XXXX   and you're all alike. Since then they have sent threatening letters to my place of resident insinuating I would face legal ramification if I did't pay {$2000.00} immediately to them even though the courts instructed me to pay the state of Pennsylvania. I recently had an influx in my bills and am giving them XXXX per month from XXXX more letter. I was trying to be polite to give them a heads up so I wouldn't have to receive anymore threatening letters from them. Every time I receive a letter its signed with another name but in the same handwriting. I receive XXXX Benefits so I am on a fixed income and don't have the money to pay in full. They don't seem to care and I believe their modo is " We Collect No Matter What ''. Well after I just called to let them to let them know my bills went up so there forI would be making {$20.00} less a month on my payments. Prior to this they would call all night until I XXXX PM. I just want the letters to stop because in no way my judge said that payments will be to XXXX XXXX collection agency. I pay through the Pennsylvania EPay website instead because I simply won't pay this debt collector. I make the payments I can. I am trying to return the money I owe and looking for any kind of job now that I have a vehicle to use. I just want to be left alone by these people. they harass you at every turn, they use profain language, and scare tactics at all time. 
I thank you for your time looking into this I also have reciepts from all payments.
I work as a XXXX and use my BOA credit card often and exclusively. As a result, I often amass thousands of dollars in credit card transactions every month. Inevitably while auditing monthly BOA credit card statements, I find issues including vendor overcharging, double charging, incorrect charging and other mistakes that are not necessarily fraudulent. 
I recently received a letter from BOA that appears to threaten my right to continue to file disputes with my BOA credit card. 
I am including a copy of that letter in this complaint. 
I believe it is my right as a consumer that I may dispute a transaction that I believe to be in error. With that consumer protection right, I have routinely found errors on my credit card statement and have routinely exercised my right to dispute transactions that I believe to be in error. I win many of these disputes because I turn out to be right. 
As a result of BOAs very poor dispute dept. phone response times and an ongoing poorly resourced department to handle complaints, I have spent hours of cumulative time attempting to file disputes with BOA. 
I view any attempt by BOA to bully or threaten my right to file disputes as a direct infringement on my federal and state consumer protection rights. 
I did phone BOA regarding the letter on XX/XX/2018 at approx XXXX XXXX eastern time. 
I spoke with supervisor XXXX ( XXXX ) and discussed the letter with him. He offered no specific resolution other than he offered to escalate the case internally. 
I will continue to exercise my consumer protection rights and should be able to do so without the threat of BOA canceling my credit card account.
One XX/XX/2018 I sent a letter to Portfolio Recovery Company requesting that they validate the debt for the accounts they are posting on my credit report. I have asked for the original contract as I do not recall having any accounts with them, neither have I authorized it. 

They have responded on XX/XX/2018 with generic information from all three accounts stating that at the time of the sale, the Seller provided an electronic file of its business records concerning the account. This tells me nothing about the original transaction. They don't have any of the information I asked for. They haven't provided me with the contract mentioned before, verification procedures of how my identity was confirmed prior to opening these accounts. They have been providing other information, however not the most important ones. 

PRA doesn't have the right to continuously report and hurt my credit without being able to properly verify these items they are reporting on my account.
I received a call from an " officer '' XXXX XXXX. He called with no caller ID and claimed to be working with my county and threatened to come to my home or place of employment this Wednesday to serve me. Said I would need a supervisor present and a valid state ID. Said to call XXXX immediately to prevent being served. The number left is for dispute resolution services, a collection agency. They are misrepresenting themselves as a legal agency and are using threatening tactics.
Wells Fargo entered a contract with my husband and I to refinance our current mortgage with Wells Fargo ( WF ). We had a cash-out mortgage two years ago and have since paid off half the mortgage ; we wished to refinance the balance with XXXX arm at 3 %. We locked into this agreement with WF on XXXX XXXX with the intent to close early XXXX. After repeated phone calls and emails to XXXX XXXX at WF regarding closing dates with no response I contacted his boss, XXXX XXXX. The next day I received a call XXXX XXXX from XXXX saying the could not do the loan because only a fixed term loan is possibly with a cash-out mortgage. XXXX cited Texas law as the reason why : Section 50 ( a ) ( 6 ) specifically via email. Please note, we were supposed to have closed on this refinancing the week before AND WF credit had reviewed the title report two weeks prior but Wells did nothing. 

The problem is that is a lie and the arm product we had locked in our agreement is completely permissible to use. WF has an internal policy that they do not allow arm products with cash-out mortgages. However, since XXXX and his boss, XXXX, did not do their due diligence they entered into a contract with us and then three months later -when the market had shifted higher - said TX law prohibited it. XXXX later emailed back saying to disregard the first explanation and that it was an internal Wells Fargo policy. 

WF offered us a 30 yr fixed at 3.75 % then adjusted down to 3.65 % with no other concessions. The later admitted they made multiple mistakes and would offer us a XXXX credit on the closing amount. Over a seven year period, Wells Fargo will cost us a minimum of {$13000.00} for the difference between the two mortgage products.
I have sent all documentation to the credit bureas about fraudulent items that are showing on my credit reports. An identity theft statement, police report, a victim statement and a name of all accounts, addresses, names, birhtdays, ect to the credit bureaus. The credit bureaus replied with a letter stating that they refuse to block the fraudulent information. These items are fraudulent and do not belong to me. they stated that i must have gained from these items. it is a store on the report that is for kids. i am a XXXX year old man. i am not even familiar with this store. I am asking that the bureaus immediatly block and remove all of these fraudulent items immediatly.
on XX/XX/XXXX a pay by phone payment was made to my account.   The payment was for more than my re occurring payment,  I pay in full.     I have never made a pay by phone payment!  ON XX/XX/XXXX.   bank of America  deposited  $ XXXX to my account. It was credited.  Than $ XXXX. was charged on XX/XX/XXXX. I have called numerous times with out resolve.  Right now on XX/XX/XXXX. I have been on hold will a rep and supervisor figure it out!  25 min!    on XX/XX/XXXX I was on hold 50 min , no resolve.   Thi was bank of America 's XXXX up on y account and they won't fix it!
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
In XX/XX/XXXX I revived a letter stating that I had opened an account with XXXX  and that I had a outstanding bill. ( {$420.00} ) in XX/XX/XXXX I received another letter.

2 accounts in Collections Account Name Original Creditor -XXXX Open Date XX/XX/XXXX Balance- {$420.00} Debt- {$420.00} Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX This is not my account, I have not opened this and I believe i'm a victim of identity theft..
Furnisher : Conduent Education Services ; Account Number : XXXX. I submitted a dispute and requested and investigation directly with the furnisher as stated in the Fair Credit Reporting Act ( FCRA. ) The dispute and request for an investigation was regarding specific inaccurate information being reported to my consumer reports ( i.e., inaccurate late payments. ) The furnisher received my letter via certified mail on XX/XX/2018. Conduent Education Services failed to comply with the FCRA dispute to furnisher guidelines including ( a ) conducting reasonable investigation, ( b ) report results to consumer generally within 30 days and ( c ) failing to notify the consumer of the status of the investigation and if it was even initiated. These are major violations of the FCRA and the furnisher should held accountable to the fullest extent of the law for failing to comply and violating my consumer rights. See attached uploaded documents.
I am writing due to National Credit System is trying to collect on a debt that is not accurate. Two of the credit bureaus have remove this inaccurate information from my file. 

This company according to the State of Florida secretary website shows this company not active to collect in Florida. I have attached that document.
Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus,  XXXX ,  XXXX , trans union. It is making it difficult to obtain credit. Please delete.