WillisBack/dataset-financial-user-claim huggingface dataset:
An acct was opened in my name with XXXX XXXX. Once I discovered this, I informed XXXX XXXX that it was not my debt. The account was charged off at some point and removed from my credit file in XXXX XXXX. I received a notice from Portfolio Recovery Services on XXXX XXXX, XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files in XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. Portfolio Recovery Associates only sent me a collection letter and a XXXX XXXX statement from XXXX as verification on XXXX XXXX, XXXX. Which is not validation of this debt. I responded to their letter on XXXX/XXXX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
XX/XX/2017 XXXX is only credit reporting 30 days late on Capt One account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. 
XXXX and XXXX  corrected and updated my account information. 
I have written letters to XXXX  to remove lates because that is not accurate information. But have not been able to get this resolved.
I contacted XXXX to discontinue internet service on XXXX/XXXX/16. I was told at that time I had a credit balance of just over {$77.00} and would receive a check in approximately 4-6 weeks. I turned in equipment to the XXXX XXXX office in XXXX TN on XXXX/XXXX/16. When I asked the lady who I turned the equipment in to if I had any outstanding balance, she said I had a {$77.00} credit and should receive a check in 4-6 weeks. I was shocked when I received a call from Afni Inc on XXXX/XXXX/16 saying they were trying to collect a debt from XXXX for {$32.00}. i have contacted XXXX twice already to get an explanation of why my account was 1 ) turned over to a collection agency when I had been told through two different XXXX resources that I had a credit balance ; 2 ) had an autopay on my account so that any outstanding balance due on my account should be charged to the credit card I had set up and had used for an extended period of time while I had service with XXXX. This is the second time I have had issue with XXXX either charging for services not received or turning a balance over to a collection agency when either no debt was owed or any balance due was misrepresented by XXXX representatives. Neither of the XXXX representatives have responded as to why my autopay method was not used if there truly was an outstanding balance after I was told by two resources of having a credit balance.
On XXXX XXXX, 2016 at XXXX, I entered the Bank of America at XXXX XXXX XXXX XXXX XXXX California. I was there to pay bills by collecting my California State unemployment benefits which are deposited by the State of California into the Bank of America Account systems. 
Every 2 weeks, I am being continually and openly harassed by the actions of the bank manager, " XXXX '' that has seen fit to voluntarily withhold my benefit payments until he recites the fact that I do not have to enter the bank to collect my benefits. I have told this manager that ; 1. I have a right to transact my business within the bank 2. I prefer the safety of transacting business within the bank structure 3. I should be able to collect my benefits without this individual holding on to identification and banking cards, for 2-3 minutes, without processing my request, as he openly smirks, and takes illegal advantage of his position. I have already submitted a complaint of a similar incident ( Case number : XXXX ) that occurred on XXXX XXXX, 2016 by the same individual that appears to feel that banking customers have no recourse regarding his inappropriate official actions. 
On XXXX XXXX, 2016, I had to openly ask this individual five times to " please process my request without delay '' ... He ( XXXX ) laughed, and stated, " XXXX XXXX, I have to tell you this '' .... This is become extremely irritating and frankly I have been told that it is illegal for this individual to delay or intentionally inhibit my access to state benefits ... I am currently searching for attorney or a banking enforcement entity to investigate my complaints. On this, my latest complaint, there were witnesses available, Including " XXXX '', another Bank of America employee positioned in the lobby and greeting customers as they entered the bank. I am sincere about having these events investigated, and I am confident that bank cameras captured this event as well as the prior incident. It also appears to me as if this is a racially motivated incident, in noting that no other patrons are subjected to this type of irritating response by this Bank of America " Manager ''
I closed on a loan with the Mortage Company, Quicken Loans, I closed with a fixed 30yr rate set at one montly rate. I had the loan since XXXX 2016, four month an now they send me a notice, stating that my montly Loan payment amount is going to increase by {$60.00} or {$70.00} per month. added to what im paying now. I cant afford it I have XXXX kid 's to support, an pay childsupport, is n't something like that illegal, I have a fixed montly rate, my insurance has not increased, an my tax rate has not, change. I have the Loan for four months. can you please help me.
XXXX XXXX located in XXXX, WA claims that I owe a debt of {$120.00}, and the original debtor is XXXX. I sent a letter of dispute via certified mail to Convergent on XX/XX/2018, it was signed for on XX/XX/2018. I requested that this debt be validated by way of a legally binding contract bearing my signature. Convergent responded claiming that the debt is verified, and sent a phone bill. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does NOT constitute verification. 
I sent a second letter via certified mail, which was received and signed for on XX/XX/2018. Today is XX/XX/2018, and Convergent still has not responded with competent evidence BEARING MY SIGNATURE. This is a violation of FCRA & FDCPA. It is evident that this company can not validate the alleged debt, and therefore the entry needs to be requested for deletion by the credit agencies.
I believe there was a misunderstanding with my claim. I was told that the Capital One inquiry would be a Soft Inquiry rather than a Hard Inquiry. I did not want to close my Capital One account at all. I did not place a fraudulent application. I received a letter in the mail with a special code which was already Pre-Approved. I want to re-open my account and still be a Capital One member. Thank you!
I went to the XXXX on XX/XX/2014 after having an accident in my work. They supposed to send the bill to workers compensation of my employer instead they send me a bill for the amount of $ XXXX from XXXX XXXX
Previous complaint number ID - XXXX In reference to this complaint after 3 1/2 months Chase returned my money. 

However no interest was added. They are lending money at 7 %. I called them asking about the interest they owe me for withholding the funds and they claim it is not " protocol '' to give interest funds. This money was illegally withheld and as of today they never gave me a reason other than fraud, which it was not the case. 

I am aware they used my money for 3 1/2 months, lent it, collected 7 % interest and kept it to themselves. I want my share of that interest even if it is {$1.00}. 
At this point it is a matter of principle. 

I am in awe of what the government allow these banks to do to the citizens especially us, the middle class. They are stealing from us and they get away with it. 

Please advise if there is any recourse to my complaint. 

Thank you for your attention. 

XXXX XXXX
Under Investigation of the New Mexico XXXX XXXX, the State has Frauded, Scamed and Made Theft of, a XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX XXXX
I would like to file a complaint. I was given a check for {$1800.00} and it was deposited on XX/XX/XXXX to my Chase Bank account. On the day of the deposit, only {$200.00} was available, and the rest became available the next day. I was then able to withdraw {$1300.00} in cash ( {$500.00} from an atm and {$800.00} from a bank teller ) and proceeded to spend the money. As of XX/XX/XXXX, the account that gave me the {$1800.00} was closed, so the money was returned, bringing my balance down to negative {$1000.00}, which Chase then charged me a {$12.00} fee for having a negative balance in my account. This is unacceptable. If I am able to withdraw money from a check that they cashed, that comes with the assumption that the check cleared properly, and I do not have to worry about the funds from that check disappearing on me. Now because I used the money that I thought was good ( since they allowed me to withdraw and use it ) and the account it came from got closed, my account gets punished for not being able to provide the money for the {$1800.00}, this is utterly ridiculous. You would think that a big banking corporation such as chase would have the ability to ensure that checks don't get refunded or denied before allowing a client to use the funds from it, but because of the companys oversight on this issue, I am left to deal with the consequences. Chase should have some sort of policy where they withhold allowing the client to use the money until they are absolutely sure that the money is good and the account it came from isn't closed. XXXX does this, so I would assume it wouldn't be difficult for chase to do the same. I understand that it is a courtesy to allow chase customers to use the funds within one business day, but I would rather wait to use the funds and potentially not be allowed to use them at all, then to be held responsible for having to pay {$1800.00} that I clearly do not have. Now because I have a negative balance, my account has been marked as *restricted* so I can not use any of the funds given to me by my own employers to even pay off the negative balance in my account. These policies are horrendous and do no service to the customer. Even worse, when I speak to anyone over the phone regarding this, I ask if it is possible for them to send me paperwork documenting their policies, or a transcription of our conversation and the universal answer I get is no. Please read through this and take note, I will be suing the company for being so irresponsible when writing up the policies for their customers. No one has been of help at all, and this needs to change.
On XX/XX/XXXX I received a call From my local county that if I was going to be home because I was going to say be served papers and I was like what's going on and I go out I don't know what's going on on my could know that's why I'm asking and they gave me a number to call which is XXXX they said I owed a debit collection from XXXX that they called XXXX XXXX and they were suing me for XXXX I was like what all I remember is I do XXXX XXXX XXXX in XX/XX/XXXX I was going through some things and I was couldn't afford it so he went to collections and all i owe is XXXX. This person 's name Lewis , McDonnell & associates Babe clean to be a law office in my file number is XXXX - TX - XXXX and I gave them a {$150.00} from my prepaid card to find out that when I looked up there address it was a ups store in XXXX XXXX ca and there is no such thing as Lewis, McDonnell hassociates. There is a XXXX XXXX in California because I emailed one of the workers and I sent them the paperwork and that they said that it didn't look right and they've never heard of Lewis McDonnell associates I also went as far as calling my county and I gave them the number and they said that I did need to worry about it because it was a scam and I also called my sheriff 's office and they told me it was a scam because I told him that they I docked me everything because Lewis mcdonnell and associate said that's how they do it. I even called them and asked where are they located in they'd said I do at at there's no need to worry about it because they were a legit company so every time I ask they never told me I also have the email they sent me 2 I doc just in case I need it for proof I want them to be stopped and I looked and I read that people have complainants on many red flags on them I would like them to stop harassing me
This is not my account - Bank of America # XXXX. I never co-signed for this Line of Credit. It belonged to my wife 's business, but she filed Chapter XXXX and this account should have been included in that proceeding.
CAPIO PARTNERS LLC XXXX attempted to collect a debt thats not owed. 
reporting medical info on my credit report to XXXX  and XXXX. 
XXXX {$900.00}
Bank of America issued XXXX checks to me because they did not accept partial payments for mortgages. The checks were missing for a period of time, however I am still within the statute of limitations to request that they honor both checks. Instead BOA voided the check and sent the money by wire transfer to XXXX XXXX XXXX XXXX who subsequently took over the loan. BOA should have voided the expired checks in XX/XX/XXXX or XX/XX/XXXX and reissued them to ME! Now BOA believes that they do not have to honor the check because they no longer service the loan. They believe this grossly negligent error is no longer their responsibility which is not true. Checks ' information : XXXX {$1100.00} dated XX/XX/XXXX and XXXX {$450.00} dated XX/XX/XXXX.
I am received several phone calls requesting payment on an account that was paid for several years ago in XXXX. I have receipts reflecting payment
I became aware in  XXXX   XXXX  that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier.     I contacted  XXXX   XXXX   XXXX  - the provider in  XXXX  and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and   XXXX   and  XXXX  removed the items. However,  XXXX  did not ( see attached ).     In addition to collecting for a debt that is not owed, this is clea rly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.
THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS
I previously had an identity theft situation XX/XX/XXXX, which resulted in accounts being opened in my name for several different businesses. One in particular was for XXXX, for the amount of {$510.00}. That bill went to collections XX/XX/XXXX, and once I found out about it, the matter was disputed with the collections company and the chargers were removed from my credit report as it had been determined the account was opened fraudulently by someone who used my identity. I filed a FTC affidavit which assisted me in the removal of the charges as well as to have a Fraud Alert placed on my credit file for all XXXX credit companies. 

Now fast forward to XX/XX/XXXX and once again my identity has been stolen and the person used that information to once again re-open another account with XXXX in my name that has again hit my credit report for the amount of {$190.00} that has been left unpaid and now is in the hands of the collections company Convergence Outsourcing. I have submitted to XXXX via fax a Fraud packet on XX/XX/XXXX and have yet to hear back from them. I also contacted the collection agency and asked for this charge to be removed, and they were to send out to me a fraud packet that I have yet to receive. I have also contacted the credit bureau that the charge appeared for and disputed that as well. In addition, I have refiled another Identity Theft Affidavit along with another Police Report in regards to the Identity Theft. I also would like to know how could such a situation happen again if I have placed a Fraud alert on my account in which if any credit or services are attempting to be open in my name, the business are to contact me directly, which appears not to have taken place by XXXX after the first incident happened. I will look forward for any assistance you can offer in regards to this matter. 

Thanks, XXXX XXXX.
On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX. After not receiving a response, I sent my letter of concern to TransUnion addressing my concern. XXXX responded on after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.
I have a Charge account from a previous employer currently being reported as " Charged off as bad debt Profit and loss write-off. 
As of XX/XX/XXXX the balance on the account is {$420.00}. I do not have any record of owing this amount because I did not have an outstanding balance. My credit report also indicates that I have paid 100 % of the original balance and the highest balance is at {$0.00}. 
The card was opened on XX/XX/XXXX and had a {$0.00} limit on it, meaning I would have to add money to it before it can be utilized for purchases ( like a pre-paid or debit card ). Once used, the remaining positive balance on the card was sent to me in the form of a check ( I have attached a copy of the last 2 checks i received. ) The only purposes the card served was to receive the employee discount and I never received a credit line from the bank. 
I have being trying for a few years now to get it removed and I have been unsuccessful. The bank will not remove the item from my credit report, I called the number listed on the report and they do not have any history of the account.
I pay XXXX XXXX powered by Experian every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/2017 I discovered the collection account from XXXX XXXX XXXX XXXX ( account # XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Please delete this item immediately.
I AM FILING THIS COMPLAINT BECAUSE TRANSUNION HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : CITIMORTGAGE ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INQUIRIES : ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX INSURANCE DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX 'S DATE : XX/XX/XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA-THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. 
PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. THANK YOU
XXXX XXXX XXXX XXXX has sued XXXX XXXX for purported damages to a leased vehicle that either do not exist or were inflated. Any condition of the car resulted from normal wear and tear for which XXXX XXXX was not liable. XXXX refuses to supply the only evidence that it claims it has/had to show damage -- but refuses to provide : actual pictures of the damage. It appears that XXXX is seeking to collect money not owed in a deceptive fashion. Scores of other consumers are making similar complaints as reflected in XXXX reviews : ( XXXX ) Simultaneously, XXXX reports delinquencies to XXXX XXXX XXXX credit reports that bear no reasonable connection to the purported debt. XXXX is reporting a balance of {$64.00} on XXXX XXXX 's credit history but has sued her for {$2300.00}. Aside from misrepresenting dollar amounts, XXXX is misrepresenting the identity of the creditor to XXXX XXXX 's credit.
The last paperwork that I received from Bank of America said that I was XXXX month behind on my mortgage. I agree. This was in XX/XX/XXXX They sold my mortgage to XXXX and then all of a sudden I was XXXX months behind. I am not sure what happened. I do n't save paperwork because I new where I was with the situation. I am not sure how how these companies work completely. 
I asked for paperwork stating my payments and how they were applied. What they sent me I do n't understand at all. 
Now I tried to make a payment and they would not accept it. 
Please help Sincerely XXXX XXXX XXXX, IL XXXX XXXX
My XXXX school loans were being serviced by XXXX XXXX. When I applied to PSLF, Fed Loan Servicing unfortunately took over. I refinanced part of my loans with a private lender XXXX. XXXX XXXX received the check from XXXX for the payoff amount of {$77000.00} to pay off the XXXX ( non -direct loan ) portion of my student loans. XXXX XXXX cashed the check within 1 week. XXXX XXXX then forwarded the money to Fed Loan Servicing. It has been 6 weeks, Fed Loan Servicing has not posted my payment. I have called several times. They keep telling me it takes a while to process a payment. I would like someone to look into this matter. I feel they have misplaced funds. It is unacceptable to wait this long to process a payment.
Funds where released on XX/XX/2015But order mail to banck not until XXXX/XXXX/15
I have owned my land line phone number since XXXX 2015. In that time from XXXX 2015 to the present time, I receive up to six calls from Portfolio Recovery Service every week and sometimes four calls in one day. I block the number on my telephone but they have so many different numbers they call from, it is not possible to keep all the blocked numbers in my phone. I absolutely have no debt owing, and have never been delinquent in terms of financial monies owing. The first few times when I did answer the call, they were very aggressive and would not even provide their personal details, except to tell me I owe them something. 

Following is a small list of some of the phone numbers they are calling from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Please help me stop these harassing calls.
I was scammed by a person offering work as a private driver, the person sent me a check for my name, I deposited in my account and the next day was the money in my checking account. I withdraw the cash the next day having deposited the check, and made a cash deposit money gram. 6 days after I check my bank account and I get $ XXXX. I check and he says the check was returned. I went to the bank to see what has happened and the only thing they told me is that the check was fake. The problem is that my bank charge me a fake check which they should have checked before giving money, because if the bank checks before the check is false and sees none of this would have happened.I help me see that I can do with the bank. What steps to take. Since I made the police report and I nummero report. Prompt response and hope to have the urgency I run out of money. Thank you.