WillisBack/dataset-financial-user-claim huggingface dataset:
Extremely rude people, called me while I was at work, I answered to ask them to call me after or I would call them back and she said no, we will just report it to your credit then, goodbye! I called back and asked for supervisor who was also rude and said he was the owner and I was n't to call there again until I was calm. I was angry for horrible treatment and rudeness that is rediculous. I tried to explain and he would not hear 1 word, yelled over me and said stop talking and do not call back. Told me to contact cfpb or whoever I wanted, he did n't care. Refused to give me someone decent to speak with
My husband already submitted one request last night with my account as a joint claim. After speaking with the credit card company, my husband 's claim was reopened with the credit card company but mine was not. we had charges placed onto credit cards that we had no idea that we were getting. I ended up getting my own account after signing as a joint applicant on this generic/blanket credit application under my husband. I assume the vacation club took my information from the papet and put it into a separate application. I have a charge of {$2200.00} on my card. like my husband stated, we did sign a membership contact which is now cancelled and this has nothing to do with us authorizing this vacation club to take money off of credit cards that we didnt know about. we NEVER signed a receipt or verbally authorize this vacation club to take money from these credit cards. There were no services or Supplies rendered. we also let the vacation club keep {$1000.00} dollars from our bank account during this cancellation. It would not be right for them to keep the {$2200.00} from my card and {$4500.00} from my husband 's card after illegally taking the money. The credit card company sided with vacation club after they showed them we signed a contract for a membership with them and failed to cancel during the 3 day cancellation policy. yes, we failed to cancel with them after being toyed around for a year with lies about not being able to cancel. at the end of the day, this vacation club contact has nothing to do with us authorizing this company to take {$6700.00} dollars from us without our consent.
I have an automobile loan with Westlake Financial. I have been making the regular payments, some on time and some late, it was never an issue. At approximately   XXXX   on   XXXX   XXXX  , 2017 they had   XXXX   XXXX   Repossess the vehicle. Upon leaving our property the driver of the tow truck drove approximately 40 miles in the opposite direction of the final holding location in  XXXX , NH. I know this because we have a vehicle tracking device installed. You do not need to drive west, north, east then south to get to a location that is east of where I live, unless you are trying to charge more for mileage At   XXXX   I called Westlake and was told I would have to pay the past due payments and all late fees on my account, plus the repo & storage fees in order to get the vehicle back. This amounted to {$1500.00}. They also told me I had 3 days to pay it or the vehicle would be sold.
I asked them to waive the late fees or put it on the end of the loan and was told that they could not do that, but that they could put the {$350.00} repo fees on the end, which would bring the amount to {$1200.00} which I paid on   XXXX   XXXX  , 2017. I was also told the storage fees would be {$30.00} total, but now I am being charged {$60.00} because Westlake took there time They also insisted that I give them all the same information references, proof of income and residency again. This is information that they were given less than 2 years ago at the onset of the loan.
They did not release the vehicle back to me until   XXXX   XXXX  , 2017 because they had n't scanned my information into the computer the day prior. Lame excuse.
When they applied the money to my account they put it on only payments and not late fees, storage or repo fees. They applied it towards past payments and the   XXXX   payment which was due on   XXXX   XXXX  . It covered all but {$22.00} of the   XXXX   payment, on   XXXX   XXXX   they started calling me in regards to the {$22.00} being past due. Seriously.
Then today  XXXX / XXXX /17 I received a letter in the mail from them " Notice of Intent to Sell '' which was dated on  XXXX / XXXX /17, 3 days after the vehicle was released back to me. I immediately called Westlake and was told well the letter was actually printed on  XXXX / XXXX /17 regardless what day the claim to have printed it does not matter whereas it was released on  XXXX / XXXX /17 so why print and mail the letter at all. I was told to disregard the letter by the person that answered the phone, but I am concerned They also robo call you when your payments are late. They also call at all hours of the day and night, multiple times per day on both my cell phone and home phone.
My family received a call from someone for me call them or legal action would be taken. I called back and spoke to a rep who did provide details of a payday loan that was closed in 2006. I stated I wanted a written notice of the debt and collection. He said I could only have one emailed or faxed to me. I asked to speak to his manager and he refused. I asked to have my family 's contact information taken off record and he refused. I did request my full credit report from all three reports and none of them have this debt as open or in collections. This debt was reported paid. This company is frauduelently contacting me for payment on a debt which is no longer owed. They have threatened legal action against me and used harrassment tactics.
I applied for a Amex Plum Card and was denied. This was based upon my being an " Authorized User with various companies that did not meet their financial obligations with Amex. XXXX dated XX/XX/XXXX, ( 17 years old ), XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. 
My credit was never checked by Amex. I was never the primary account holder for any of these accounts. The date of the letter was XX/XX/XXXX. I received the detailed explanation by calling the XXXX number in the letter. 
It should n't be legal for a credit granting company to use a primary card holder or company 's information that is responsible for an credit account against an " authorized user ''. A copy of the letter of denial is attached. Note, that it says that I was denied due to the fact that American Express cancelled your previous accounts- all of which I was not financially responsible for nor the primary and financially responsible party. 

Sincerely, XXXX XXXX XXXX
Have been paying on private student loans prior to completion of terminal degree ( XXXX ). Recently in XX/XX/XXXX, private loans went into default, while enrolled in payment program. Have been paying {$250.00} per month since XXXX at least and not clear as to how loans went into default. Was informed needed to put all loans in at different times due to how they were taken out. Then was informed they were in default due to payment amounts not being sufficient, when they ( Navient ) were the servicers who enrolled me in the program with the acceptable rate/charge. Now 3 out of 5 of my private student loans are in default and there is nothing I feel I can do, especially since I am still paying $ XXXX month, plus my co-borrower is also paying a fee and has been for the past year at least. I have sent in letters and statements ; spoke to supervisors and numerous representatives. I receive phone calls at least 1 time per hour between the times of XXXX and XXXX CST. I am unsure of what to do. I do not have much on my credit report besides student loans, a car loan and 1 credit card ( with low balance of XXXX ). Not sure what else to do or where to go for support.
Since XX/XX/2015 we have been having billing issues with our mortgage which is being serviced by Chase. 
1 ) Customer service gives wrong payment amount. 
2 ) They do not apply total escrow payment to escrow which cause a short fall, therefore they increase mortgage to cover short fall.
Attempted phone calls to my wife 's job after telling them never to call there again after the XXXX time.
It appears I am a victim of the massive Equifax data breach and I find it outrageous that, in an attempt to best protect myself from Equifax 's lapse in security, I must pay {$10.00} per credit bureau to enact a credit freeze. I believe that as a credit bureau, Equifax et al should be held to a higher standard for securing my personal data being that it holds in one place virtually every aspect of my life history. My financial life is now completely vulnerable thru no fault of my own. As a result, I am filing this complaint to request that Equifax compensate me for {$90.00} which will cover the fees to both apply and remove a credit freeze at all three bureaus plus the addition of a one-time " thaw '' or temporary freeze at all three bureaus. I feel this is fair and reasonable in that I 'm not looking to profit but simply re-coup my outlay. 

Best regards, XXXX
Midland Credit Management , Inc. has aggressively and illegally continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX 3. Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX XX/XX/XXXX 3.  XXXX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX Equifax removed the account from my credit report. But on the same day Equifax allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with Equifax requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.
This is in regards to original credit card XXXX account # XXXX with the amount of or close to {$12000.00} has more than exceeded the California time statue to collect since its been more than ( 6 ) years of no payment, corresponded and or dialogue. I would like that collection agency below contacts XXXX And or other credit agencies to remove this negative Mark from my credit report and or to issue to me a letter on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES IN REGARDS TO THIS DEBT. BELOW IS THE COLLECTION AGENCY THAT PERTAINS TO THIS DEBT. 

MIDLAND FUNDING ( their account # XXXX : XXXX, Ca. XXXXPhone : ( XXXX ) XXXX
I had a medical procedure and spoke with my Doctor 's office about payment. I had to have routine quarterly follow-up visits and the fees were submitted to my health insurance provider, then an invoice was generated and sent to my home for my payment of the balance due. Our agreement was always made with my Doctor, but I was told to make payment to  XXXX    XXXX    XXXX   XXXX . At one point in we received a bill from  XXXX   XXXX  and we were told that was our bill to pay and it was related. Every invoice we received was paid in full and on time. There was one payment that was made a few days late, but only a few days late and we believe that may have been due to the confusion with their billing. We have always taken pride in paying any bills due and we do not feel this medical collection fee is our responsibility and to have this blemish on our credit report is not fair or just. The collection that contacted us with no valid basis used strong-arm tactics and extremely rude individuals in a seemingly endless harassing manner.
I originally requested that my entire credit history be reported because certain items were removed that were causing my credit score to drop. Their response to my original complaint was totally noncommittal but when I received my credit report with score it showed that XXXX of the XXXX key factors that affected my credit score were that the age of accounts in my credit file were insufficient and that i had no account history of mortgages ( see attached ) However when I went to Equifax to make a dispute The first XXXX accounts that showed up were for a mortgage and a home equity line both of which were paid in full in 2008 and therefore do not meet the 10 year guideline that the other XXXX credit reporting agencies are hiding behind and in fact equifax states that the law requires them to remove derogatory credit but not beneficial credit after 10 years.
{$2900.00}  XXXX   XXXX ,    2017  What I am not understanding is why Citi Bank is saying that the  Merchant  is stating that they will provide service and that was not my complaint. Also the merchant and their representative  XXXX  have told me several times that they would give back the monies however that CitiBank needed to process it.     This identical issue has happened with another person with the same resort and all monies have been refunded because the credit card company actually listened to the case in it 's totality and spoke with the merchant and they both agreed that monies would be returned and they were..
A company called United Recovery services has been continually harassing me with repeatedly phone calls daily about debt they can not provide full information on. I 've called and asked for how they obtained my information, and they hang up. Today, they contacted a family member that they obtained his phone number illegally and without his or my permission, then they proceeded to harass him on the phone, claiming his was lying about his identity. When he asked who they were and what they were calling about, they refused to give any information. This is absurd that a company is allowed to do this and to illegally obtain other people 's contact information and then lie about it.
I applied with BBVA Compass for a checking account. There was a promotion involved that if I direct deposited {$300.00} or more into the account within 60 days I would receive a {$200.00} bonus. The bonus was due to be paid within 60 days of the account being opened. I opened the account in the beginning of XX/XX/XXXXand a {$300.00} direct deposit from my employer was posted on XX/XX/XXXX. It's been almost 90 days since the direct deposit came through and over 90 from when the account was opened. I contacted BBVA twice after the 60 days was up and they said I would receive a call in 3-4 business days each time. I was told my account met all the requirements for the bonus, but I have not yet received the bonus or any follow up phone call.
Citibank frequently offers special promotions for depositing " new to bank '' funds to new or existing accounts, holding a specified amount of the funds for a specified duration of time, then the bonus described in a promotion is to be deposited into the account. Year after year, I participate in these promotions, I always fulfill the terms of the advertised promotion, yet consistently the bonus is NOT deposited into the account automatically upon the completion of the promotional terms. I have screen images, photos and correspondence regarding this issue going back several years. I always end up getting the promised bonus after I invoke an internal investigation with the Citibank Customer Service back office. I learned after speaking with customer service and president 's office representative that Citibank does not have a system in place to automatically deposit bonuses if customers do not initiate a complaint. Supposedly these conversation with customer service are recorded, please request copies of my conversations over the years with Citibank regarding this issue. I can provide you with my written complaints to Citibank office of the President in an attempt to bring this issue to light. Nothing has been done to correct this issue and again in XXXX of this year, I had to initiate another investigation with XXXX to get my bonus, which I was assured by her I would receive automatically before the last day of XXXX - I did not, so yet again, like many times before, the bonus was deposited only after I initiated a complain in XXXX. I just made another " new to bank '' deposit in XXXX, and yet again, have XXXX faith that Citibank has a system in place to give me my bonus on or before XXXX XXXX, 2017 after I meet my part of the obligation and hold $ XXXX for 90 calendar days. I anticipated that I will initiate an investigation on XXXX XXXX, 2017 and receive the bonus two business days later -- - what about so many other customers who do not file an investigation complaint? The bank just keeps their customer 's money for themselves. 
Please investigate this blatant withholding of funds and bait and switch on behalf of the Citibank customers. Please contact me so I can provide you with further documentation.
Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX, Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report. 

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX collection agency has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.
I never lived at XXXX XXXX XXXX XXXX XXXX Fla I lived on XXXX XXXX in XXXX fla
I tried to pay a bill for {$100.00} but some how {$900.00} was charged. I called immediately and was told it could not be reversed.
I have been getting calls for the last year or so regarding a debt from Western Sky my husband and I took out in XXXX of 2013. I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from XXXX XXXX XXXX a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.
Wells Fargo has been harassing me for the last 10 years about one of their customers who used to have my phone #. I 've researched their customer and given the WF agents a plethora of info every time they have called me and asked that my # be removed from their database. 
Each time ( 1 call a week for the last 10 years ) the agent says they remove my # but they dont because they keep calling. This is unacceptable behavior
They have called at least 16 times from an " Unknown '' number, XXXX I asked they do not call from an unknown number, I will not share information with anyone who will not identify who they are calling from. Since the XXXX I have been contacted 11 times, XXXX they left a voicemail, XXXX they called 4 times, the fourth time I answered and asked them to stop calling. XXXX they called 3 times, the third time I answered and told them to stop calling. XXXX they called 4 times, the 4th time again I answered and had a discussion with the manager about why I was being contacted so frequently.
I am again disputing the following account with the company XXXX XXXX XXXXXXXX XXXX this is not my account I have included this account in my FTC as Fraud I am requesting your company to remove this account from reporting this FRAUD
Conn 's ( www.conns.com ) a seller of electronics and furniture.. I have an account with them, have NEVER missed a payment, although I have been a day or XXXX late.. as the due date does not always coincide with my payday.. the begin to call INCESSANTLY several times an hour to my cell phone.. interrupting me at work, during dinner..
When I opened a personal checking account and two business checking accounts in XXXX XXXX Wells Fargo Bank, NA created three debit card accounts for me when I only wanted one. I was very clear with them that I only wanted one debit card but they created three anyways. Another example of WFB still creating unauthorized accounts for their card holders against their will. I fortunately found out about the two fake accounts when trying to use the ATM Access Code feature where you can request a code to use the ATM if you do n't have your debit card. Three accounts showed up! I did n't know the PINs on two of them and I never authorized their creation. When I got home and checked my wallet and records I only had one debit card so WFB Created two fake debit cards and sent them to who knows where. 

Wells Fargo seems to be continuing their fake account practices.
I opened a savings account with XX/XX/XXXX and made several transfers from my outside bank totaling {$500000.00} dollars. The purpose of this account was to fund Two Popular direct CD accounts that I opened at close to the same time. Popular Bank put a Fraud Hold on my acct. and would not let me move my money from the savings account to the higher interest rate CD accounts. I called several times trying to verify my identity and have the fraud alert removed from my account and finally they told me to send a copy of a voided check to their fraud dept and wait 4 days and this would fix the problem. I sent a copy of the voided check and waited the 4 days. I again called Popular Bank to inquire why my acct was still on Fraud hold. they claimed they could not read the document I sent them. I opened the email I sent and it is perfectly clear. I finally requested they close my accts and return the money to the outside acct that I sent the funds from that is also linked to the acct. They agreed to do so and said it would take 2-3 days. It has now been 3 days so I contacted them again today. The customer service agent from Popular Bank said my acct is still on fraud hold. This is a very difficult situation and Popular bank fraud dept will not release my fund nor contact me directly to resolve this situation. They are holding all my money and will not return it.