WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a " Pinnacle Checking '' account on XXXX XXXX, XXXX, after reading an advertisement for a {$200.00} promotion. The terms of the offer are as follows : " To qualify for the {$200.00} cash bonus, within 60 days of opening your new Pinnacle checking account, you must receive direct deposits totaling {$250.00} or more. Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. The cash bonus will be deposited into your new checking account within 30 days from end of month in which direct deposits totaling {$250.00} or more are made to your account. Account must be open and maintain a positive balance in order to obtain the bonus. 

Can not be combined with any other promotional rate or reward/bonus programs. Valid only for individuals who have not had any consumer checking relationship with First Niagara in the previous 365 days. Customers may only receive a bonus on XXXX account. Customers must be residents of XXXX, XXXX, XXXX or XXXX to participate in this offer. Bank employees and members of their household are not eligible for this promotion. The cash bonus will be reported as a payment of interest in accordance with Internal Revenue Service regulations and will appear on your IRS XXXX for the year in which the bonus is paid to you. Promotion runs through XXXX/XXXX/XXXX and can be withdrawn at any time. Account must remain open for 180 days to avoid a {$25.00} Early Account Closing fee. All accounts subject to approval and applicable fees. '' I received a direct deposit of {$250.00} from my employer on XXXX XXXX, XXXX. I have not had any consumer checking relationship with First Niagara in the previous 365 days. I am a resident of XXXX. I believe all requirements of the promotion have been met, but I have not received the bonus yet. Per the terms of the offer, it should have posted by XXXX XXXX, XXXX.
I was not made aware that my debt had been sold. After finding out that it had been sold, I then asked and requested that Portfolio Recovery LLC, needed to provide some type of validation that I agreed to now pay them, after several months of back and forth they failed to provide any documentation with my signature as per FDCA. As a result my credit has been damaged because of these actions. I would like that, it be removed from my credit report immediately, or i 'll be forced to take this to court.
I have sent documents, letters to support my dispute numerous times to credit bureau, and to the bank in regards of 30 days late in my credit report. I have called several times to the bank, and I was told to dispute with the bureaus. so I did. and I was told that the report was accurate.      XXXX   XXXX  , 2010 I   t  rade in a c ar to the dealership for another car that I can afford. I still owed the bank for the car I traded in. I found out later that the dealership did not sent the pay off to the bank after 30 days. it affected my score and was turn down for a loan and job. I had a third party involve, and helping me to have the item remove from my report. For a year in a half the company I paid for were sending dispute letters to the bank and to the bureaus. and I would receive a the same answer stating that what was reported is accurate. I had spoken to different employee from the bank pleading and explain what the dealership had done. and I keep being told to call the bureau. and when I called   XXXX   XXXX  , I was told to call the bank since it is the creditor who is reported to the bureau.
Two purchases were made on my prepaid card without my knowledge or authorization ( in fact, I had never even used the card ) : Case # Merchant Date Amount XXXX XXXX # XXXX XXXX/XXXX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$6.00} After discovering two purchases were made on my prepaid card that I had never used, I contacted the card company by phone. They asked me to fax them information about the transactions, which I did, and in response asked for additional information, which I again faxed to them. 
Finally, they mailed me saying that " your notice of dispute was received beyond the time frame allowed. XXXX and XXXX require notification within 120 days of the date the charge posted to the account. '' Unfortunately, my initial phone call was 122 days after the date. However, the stipulation of contact within 120 days is never listed on Terms & Conditions of the card ( which may be found at XXXX XXXX  XXXX ). 

I think that a fair resolution would be for the XXXX XXXX XXXX XXXX to reimburse me for the funds that were stolen, especially in light of the facts that : 1 ) I never used the card or left the card in anyone else 's possession, so the theft was not due to my negligence but rather a weakness in the security of their system 2 ) The card agreement never mentions the 120-day period that they now claim applies.
Received a letter from the company stating my dispute was frivolous and I explained that this debt is not mines.
XX/XX/XXXX-XX/XX/XXXX I was a victim of identity theft. The person at the time worked for me in my house. They passed away XX/XX/XXXX and I started receiving calls for accounts that I had never opened. I filed an ID theft affidavit with the FTC and a police report. Most of the collectors ceased collection attempts after notification. Professional Credit Service ( PCS ) has continually harassed me about this debt since XX/XX/XXXX even after they have been provided the ID theft affidavit and the police report. Now they have sent me a letter stating they are going to sue me because I have not responded. I am attaching XXXX XXXX showing that I responded XX/XX/XXXX and XX/XX/XXXX. I also filed the reports with the credit bureaus XX/XX/XXXX and had to have security freezes put on my reports. I do n't understand why they are still harassing me on a debt that is not mine.
Someone named XXXX XXXX keeps calling my cell phone & my place of work. When asked what it 's regarding she says it 's a legal matter, when told I 'm not at work she harasses my coworkers saying " what does that mean?, what do you mean she 's not at work '' Multiple times, and they tell my coworkers it 's a legal matter attached to my social security #. If I do n't call legal action will be taken. I have no idea what this is in regards to, when I looked up the company STP processing they are not accredited by the XXXX and have a false address. I would like these calls to stop, it is harassing me at my place of work and embarrassing when I have no idea what it 's about. They call from XXXX
On XXXX XXXX, XXXX in response to the Equifax hack I attempted to put a security freeze at all 3 credit reporting services. When i tried to do that online at XXXX they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today XXXX XXXX XXXX, XXXX XXXX to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call Consumer Relations at XXXX. I called and was placed on hold. The person told me I had to call the Consumer Relations Online Dept at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the Online number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem.
Unbelievable/ frustrating! I gave up and am writing this.
I had the same problem with the 2 other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the Username or Password.
Our initial complaint # XXXX, asked for a correction dating back as far as XX/XX/11. Thank you XXXX & XXXX for your partial effort. TD Bank finally recognized they made an error. They credited the over {$6000.00} in fees but would not recognize that every fee payment on our history should have gone towards our balance. Thus reducing the balance and interest calculations. They were supposed to send an updated payment history showing the correction and all payments to date. 
We again ask that all " FEE PAYMENTS '' since XX/XX/2011 are correctly applied to the " POST BALANCE '' as of the day they were charged. Thus requiring a recalculation of all since XX/XX/2011. 
This at the 11 % rate should give an accurate final payment so we can put an end to this nightmare.
Resurgent Capital Services is reporting an invalidated account on my credit file that does not belong to me ( Reference number XXXX ). I have never done business with their client nor them. I spoke with someone name " XXXX '' requesting validation of this alleged account and why this company thinks they have the right to report this false information on my credit file. This company is violating my rights, federal and state laws under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Defamation of Character.
I was a student at XXXX College at the XXXX XXXX campus. I was a student there from XX/XX/XXXX- XX/XX/XXXX. That date may vary by a few months. I can not get the information about the school due to the school shutting down and there being no way to contact them since they do not exist. Recently, I my credit has taken a hit because over {$15000.00} in private loans was sent to collections with my already incurred XXXX in federal loans in a student deferment. The school was closed due to accreditation fraud, false promises of employment and false price advertising for the education. They also, just before the school shut down, switched companies in which my loan was through to force us to pay even after the school was shut down. None of my credits transfer from this school, the degree is worth nothing, and I am sitting with over {$50000.00} in debt that I have nothing to show for. This school underwent a large class action lawsuit by the XXXX Attorney General. The class action won and the school still continued to show false promises. I enrolled in the school one and a half years before its closure and graduated, at most, a month after its closer. All I am asking for is to see if there is any way that these false loans can be taken away or if I should fight it. 
I have also been contacted my a number of other companies that have promised to take care of my loans and all of which, some to find out, have been scams. The most recent ones is XXXX XXXX XXXX. These companies, according to the Federal Department of Education, have no ties to any legitimate organization and should not be trusted. 
I will be able to provide information but I am waiting for it to arrive from home as I am away at college.
This company is relentless is trying to attempt to collect this debt. the account is not mine. I asked for validation and in their own words they respond " Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/2016, for E***** H****** whose social security number ends in XXXX and that a balance of {$470.00} was due on the account at the time of PRA 's purchase. '' The Social they quoted in their own response to my last report is not my social. I also ask for validation as they are a 3rd party collection agency and what they provided was bills. Nothing with my signature, correct social, or a contract between myself and their company. This account does not belong to me and if not removed I will pursue legal action as they are in violation of reporting rules.
RE : Remaining items To whom it may concern : XX/XX/XXXXThis letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1.  XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. SYNCB/JCP 4.  XXXX Sincerely XXXX XXXX
I disputed adverse accounts on my consumer file in XXXX, XXXX XXXX Bank, XXXX mortgage XXXX XXXX accounts I was requesting to validate that these debt belong to me but Transunion failed to provide me a copy of any original documentation for example a consumer contract a with my wet ink signature on as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
I was told by the PNC branch manager at XXXX XXXX XXXX XXXX in XXXX IL that I had neither opted in or opted out of overdraft coverages for my debit card. He did not ask me what I wanted. I then had my debit card go into negative and was charged an overdraft fee. The customer service representative refused to refund the overdraft fee on XXXX XXXX, XXXX.
Experian makes it so much harder that any other agency to remove a fraud alert. First they make it near impossible to reach a human being, I was only able to do so via XXXX, where I was provided 2 alternatives. One was a website link that apparently doesn't work well on mobile devices ( won't upload supporting documentation ) as if every body in  America owns or even care to own a computer. After at Least 10 tries I have no choice but to give up that choice. The second  alternative is to send via post mail a long list of sensitive documents ( copy of photo ID, copy of social, proof of residence, hand written letter requesting removal ) which I rather not send over mail, and as if every one in America owns a printer. I had no issues getting this done over the phone with the other bureaus. I just had to off course verify my personal info and fraud alert was removed, which was, by the way, undone by experian automated system, who added 6 mos of fraud alert & shared that with the other bureaus, as I was trying to reach a human being to discuss having the existing alert removed. Needless to say now I'll have to contact XXXX & XXXX  yet again to remove that 6 mos alert experian so gracefully added, and haven't gotten nowhere with experian yet. The phone number provided only takes you in circles.
Wells Fargo Bank after 10 years of banking relationship closed my business account on XX/XX/2018 claiming I was high risk. My business is bank sponsored by XXXX XXXX which classifies me as a XXXX, not an XXXX. With all of the publicized problems, Wells Fargo has shown I feel this is business discrimination. I know there is a coordinated banking operation called XXXX XXXX XXXX and this is an example of it. I feel my business reputation has been tarnished and from a bank with a tarnished reputation, this seems hypocritical.
I received my first student loan more than 30 years ago, and my last disbursement was on XX/XX/1991. I have been paying on them off and on since then. My loans have been consolidated multiple times, but the interest rate is still around 8 %. I do not think the data I downloaded is correct. Student Total All Loans Outstanding Principal : {$140000.00} Student Total All Loans Outstanding Interest : {$19000.00} Can someone please review it?
I called XXXX XXXX for billing XXXX because they are unfairly charging me for medical visits. I showed up at the office and they said the doctor could not see me and one of the charges they called me to come and when I arrived they said I did not have an appointment. The doctor has refused to give me XXXX even though the prescription XXXX XXXX prescribed has XXXX to it. XXXX. I came at their request they did not provide a service. XXXX XXXX, 2015 when I paid them is the only charge I should have. I always paid {$20.00} and had no balance owed. Every since I told them I had Medicare they have increased the amount. I have a deductive with Medicare which I did not know about until Medicare wrote me. Recently Medicare paid another bill at XXXX XXXX XXXX because I stopped taking the medicine that broke me out and started with the vinegar in a glass of water. I feel my rights have been violated by sending me this bill when they have not provided service. They have charged me {$170.00} 3 times. I am a XXXX and my rent is going up next month on their tier method. I do n't need this fraudulent charge on my credit. Please help.
This inaccurate entry on my report is illegally reporting and does not belong to me. Equifax is not providing any identifiable information on who this company is nor are they providing any contact information so that I may attempt to communicate with the company to dispute the inaccuracies of these 4 entries. REMOVE THESE ENTRIES IMMEDIATELY AS EQUIFAX IS VIOLATING MY CONSUMER RIGHTS. I have no recollection of ever owing these alleged debts. If Equifax were following the mandates of the FCRA and ACA, then the company would be identifiable and the company would be able to provide proof of all HIPPA information whereby I gave the alleged medical company permission to allegedly share my information with the collection company as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. Further, where are the copies of the letter this company should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, they are unknown, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt as well as provide a dunning letter to me informing me that they were attempting to collect a debt on behalf of whoever the original company/creditors. To date, I have received nothing.

DELETE THESE ERRONEOUS, INACCURATE, UNVERIFIABLE ENTRIES IMMEDIATELY!
I have repeatedly disputed credit report information to Trans Union regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ) and XXXX from XXXX XXXX XXXX Acct ( XXXX ). I received XXXX Cancellation of Debt forms in XXXX from XXXX as well as XXXX from XXXX in XXXX ( see attached ). These are specifically marked that the debts were discharged/forgiven and have supplied these to them disputing the reporting of them having currently delinquent open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I have provided to them in prior disputes, they updated the items correctly. Unfortunately XXXX reverted back to reporting it incorrectly as originally disputed and resolved. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances. Please help me get this corrected permanently. Thank you for your time.
I gave all XXXX credit reporting agency 's over 60 days by certified mail and did not get my original signature of the accounts to finds its validation but not verification but the 3 rd party and the XXXX credit bureaus are violating my privacy rights under hipaa law on ongoing dates I never signed or gave written hipaa release to this 3 rd party collector to get all my medical information that 's invasion of privacy I contacted and filled out a complaint with XXXX online also.
Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors. ( The payment includes the total Credit Debt $ + Lower interest rate ). 
I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month from XX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
https : XXXX For all this time as the company " XXXX XXXX XXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made. 

If I am required to pay the debt to creditors, I want to wait till the final hearing of the case. I also need the Banks to provide me enough time to pay the debt off considering the total debt/total credit cards. 
I also request the Creditors/Banks to take off all the interest, fees and fines added on and after XX/XX/XXXX I do n't want to get any more collection notices/legal actions on me from any of these creditors.As, it was no fault of mine. 
CITI BANK ( 3 Credit Cards )