WillisBack/dataset-financial-user-claim huggingface dataset:
This company, XXXX XXXX continuously calls XXXX or more times per day. On XXXX XXXX 2015, I made contact with XXXX, they were calling my work number. I informed them they could not contact me on that number. Once more they contacted me on my work telephone number. I set up a payment arrangement with them on that day to be dated for XX/XX/2015. On XX/XX/2015, They called me XXXX. At approximately noon on the XX/XX/2015, I called them back stating our arrangement. I further instructed they could call me at the number I gave them no more than once per day. If that was not acceptable, then they would need to communicate with me By Mail Only. XXXX XXXX has since began calling me multiple times per day. As of XXXX on the XXXX of XXXX, I have been called XXXX.
I responded to a promotional offer from Suntrust Bank, which promised a {$200.00} bonus for opening a select checking account and making a {$2000.00} direct deposit within 60 days. I met the requirements but did not receive the bonus. When I asked online customer service, they said I do not qualify for the promotion because I had closed my previous account at Suntrust within 180 days. This is completely different from what I was told on the phone in XX/XX/XXXX, just before I opened the current account. Back then the phone customer service told me that my previous account was closed over 6 months ago, and I would qualify for the promotion as long as I make the qualifying direct deposits within 60 days. 

I sent a detailed email to a member of the Suntrust Executive team ( copy attached ), asking them to stand by the information I was given on the phone. In response they claimed " Our investigation was unable to find documentation showing that you were informed you would qualify for the promotion. '' I reiterated my position that the proof is in the phone conversation in XX/XX/XXXX, and requested them to review that call and award the bonus if my claim is correct, or provide me a copy/transcript of the call showing that my claim is incorrect. This should be a simple task, considering that Suntrust claims all phone calls are recorded for quality assurance ( and as I provided all my identification info for the agent to locate my prior account, it should not be that hard to locate the call. ) All correspondence attached, and pleas note each pdf file has several pages. 

Suntrust responded with an identical form letter ( even with the same date ), claiming that " Our investigation was unable to find documentation showing that you were informed you would qualify for the promotion ''. This indicates they either made no effort to locate the phone call, or they had located the call earlier and found that it corroborates my claim. 

Please note that this is not the first time Suntrust agents have provided blatantly false information during the short time I had this account. My original email to the executive office describes another incident where Suntrsut lost my {$1000.00} deposit and gave me the runaround for over 10 days. 

It is deceptive that I was told one thing before I opened this account, and the opposite after I invested several thousands of dollars with Suntrust based on that information. Also unfair that the executive office brushed off my request with the claim " we were unable to find documentation ... '', a statement most likely false considering they claim to record all phone calls. 

All I ask is to receive the {$200.00} bonus I was promised in return for depositing my money with Suntrust. I am also attaching a sampling of reviews/complaints from other customers who were cheated out of the similar bonuses by Suntrust, demonstrating that Suntrust makes a habit of this deceptive practice.
Regarding Navy Federal Credit Union XXXX and Savings account number XXXX and denied me access to my Veterans Administration XXXX check last XXXX XXXX, 2016. Moreover, NFCU took it upon themselves to pay loans owed to them and have move funds from my savings to checking to cover distribute to at their discretion without my consent. And have charged me multiple insufficient funds fees for loans that were carried by NFCU and others knowing that no funds were available as a result of their unauthorized distribution of my funds. I have been charged XXXX in insufficient funds fees collected by NFCU as a result of them withholding my funds.
We purchased our home in XX/XX/XXXX, for {$380000.00}, and it closed at short sale XX/XX/XXXX for {$250000.00}. To satisfy the deficiency and close out any chance of future claims against the deficiency amount, we even paid {$2000.00} to BofA at closing. Our mortgage loan # 's were XXXX ( XXXX & larger loan owned by XXXX ) & XXXX ( second smaller loan owned by Bank of America. 
Industry FRAUD was the reason why our home lost market value. We were enrolled in MHA program, which principal reductions were part of program, and we were NEVER offered this option. Short sale was the result of FRAUD and no support of XXXX thru MHA. 

For the XXXX which our loans were a part of, was XXXX involved as the ratings agency? See DOJ press release thru this link : XXXX
Starting XX/XX/XXXX someone used my information to apply to XXXX XXXX XXXX in order to obtain a credit card for XXXX. I have talked with chase bank and they were supposed to flag my account. As they couldnt trace back to the email or XXXX account that keeps attempting to get approval for a credit card. I now have 5 hard inquiries on my XXXX   credit report. All from chase bank. The dates are as follows ... 
XXXX, & again XX/XX/XXXX. I have put a fraud alert on all 3 credit bureaus as of today XX/XX/XXXX. I want these hard inquiries removed. And chase bank to stop allowing it.
Northland Group , Inc. FAX # ( XXXX ) XXXX Re : account # XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account Northland Group , Inc. that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX
In XXXX of XXXX, I received a letter from Citimortgage stating that the Making Home Affordable program announced an expansion of borrower " pay for performance '' incentives for eligible loans modified under the Home Affordable Modification Program ( HAMP ). Since I did have this type of loan, I assumed this program applied to me. It lists the criteria I must meet in order to be eligible to received a {$5000.00} incentive and the {$5000.00} incentive would be applied as a lump-sum principal balance reduction payment shortly after the 6th anniversary of my HAMP Trial Period Plan effective date. It also states " that the incentive will be shown on your monthly Mortgage Account Statement, and THERE IS NO ACTION REQUIRED FROM YOU '' to get this incentive. I waited for my anniversary date of XXXX/XXXX/XXXX for the incentive to be applied. On XXXX/XXXX/XXXX, when I still did not get the incentive, my wife phoned customer service to ask what had happened and was told that I was supposed to sign the recertification papers and send them back. WHAT RECERTIFICATION PAPERS? The only paper that I received was the letter dated XXXX XXXX, XXXX, that I 've enclosed for your review. AT NO TIME, did I receive any other papers to sign or else I definitely would have signed them and sent them in. I was just under the assumption of the instructions on the letter, NO ACTION REQUIRED FROM YOU. If the letter had said, unless you send in your recertification papers by a certain date, you will not be eligible to receive this incentive, I would have called and said that I never got any such papers. Now, according to the customer service rep that my wife talked to at Citimortgage, the time has passed to send in these papers and that because I missed the deadline, I will not be getting this incentive. I feel that this letter was misleading and lead me to believe there was nothing more I needed to do to get this incentive. I ca n't begin to tell you how completely devastated I am that I will not be getting the {$5000.00} incentive. I have paid my mortgage on time for over 6 years and I think it is terrible that they can do this to me. Whatever help you can give me in this matter would be extremely appreciated.
I received a letter from Credit Control LLC on   XXXX   claiming they are collecting a debt in the amount of {$460.00} from an account in my name from   XXXX   XXXX  . I do not owe this, so I contacted Credit Control LLC immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on  XX/XX/XXXX  and filed a complaint about this issue. Credit Control LLC responded to me through online portal for CFPB on  XX/XX/XXXX  stating that they would stop all contact and collections until they had sent me validation.  XXXX  days have past I never received validity of this claim. However, Credit Control LLC has reported on my credit file under the name Credit Control LLC and also under the name  XXXX   XXXX   XXXX  as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a   XXXX    digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me  XXXX  with their claim. They claim an account number ending in  XXXX  is an account they own and are collecting from me, but after  XXXX  days has not given me any validation to this claim.
I am filing this complaint against Transunion because they are not removing unauthorized inquires that do not have a permissible purpose. 

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : These creditors did not have permissible purpose to pull my credit. I did not engage them nor did they extend any lines of credit to me. 
Under U.S.C 1681n if the following inquiries are not removed from my reports since there was no permissible purpose I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 
You have violated the FCRA Section 1681b ( c ) Since you have listed this inquiry against me I am requesting that you either mail me a copy of my signed authorization form that gave the creditor the right to view my credit within ( 5 ) business days so that I can verify its validity. A request has also been sent to the creditor and they have not responded. 
Your failure to comply with my request within five ( 5 ) business days will be my evidence to use in Federal Court of your willful noncompliance [ 15 U.S.C 1681n ] and I will be seeking all damages listed above. 

the following inquiries do not meet FCRA guidelines and need to be removed immediately. 

1. XXXX. I do not have a car loan with them and never applied. My loan is financed through my bank. 
2. XXXX Never heard of them and I do not have any credit with them. 
3. XXXX. Never heard of them and do not have credit with them. 
4. XXXX. I do not know who these guys are and I do not have credit with them. 
5. XXXX. I have no idea who they are and I do not have any lines of credit with them. 

These are unauthorized inquiries and I asking for the 4th time that these be deleted from my credit report. Failure do so will result in my filing a complaint with the FTC.
i have disputed this debt from services they claim were done on XX/XX/2015 this account has been disputed with several companies due to identity theft. Today i saw on my creditkarma that an account for Mid West Recovery was on my credit reports and I called them and spoke to XXXX at Ext # XXXX and he told me that they did not have to notify me before placing the account on my credit report. I told him that the previous companies that have contacted me have been given all the information and could not believe that they did not send them all the disputed documentation. 

I feel this company is using the credit reporting companies as a weapon without falling the FDCPA guidelines.
I attempted to cancel a Macy 's credit card recently, and was told everything would be all set. After a couple weeks I realized that the card still had a {$4.00} balance that was not explained. After calling Macys they informed me that the charge was an interest charge due to the fact that my last bill has not been paid despite the fact that I am on automatic payments. After some discussion they did agree to remove the charge however they never did. After another call back they informed me that the charge would be removed, but were unable to provide any kind of confirmation that it had been done, or and would not offer to call back to confirm. I asked to speak to another customer service representative in the hopes of finding someone who would be able to provide me direct contact information or call me back. Instead they simply hung up on me. Throughout this process the customer service representatives have indicated to me that their website is not functioning correctly and that there is no way that I can use it to check my balance reliably. At this time I still have no indication that any charges have been reversed.
My loan through XXXX XXXX XXXX was given to an collection agency called XXXX XXXX XXXX ( which I was not notified that the loan will be moving over to another agency on XXXX/XXXX/16 ) as I schedule another cycle of online payments for the collection agency to obtain. However, on XXXX, I spoke to someone from XXXX and they said your loan is not with this office, it has moved to Trans World Systems , Inc. The loan is at TWS but I contact the company on XXXX and was told to wait about 2 weeks because my information has not been cycled in the system. I called TWS, Inc. on XXXX and office was closed for business and called again on XXXX/XXXX/16 which I finally was able to get in contact with the representative who has been handling my loan. I have ask for something to be mailed to me and the representative began to take my credit card information. Effective today, I have reached out to the Trans World and asked for a fax number and they will not give me their fax number but gave me XXXX XXXX XXXX XXXX, but Consumer Affairs stated that XXXX XXXX XXXX has been flagged for and XXXX and explain further why. The representative from Trans World is asking for over the income amount and I agree because naturally I was scared, yet ask for another payment for the next following two months. The payment is " 8 '' times the income I would make and I do not have that income in XXXX. Trans World has failed to provide me with an itemized detail letter of who they are and notification of drafting, etc. No information has been sent from XXXX XXXX XXXX, XXXX XXXX XXXX or Trans World Systems regarding this matter. I 've been paying on my loan and it is growing, which I do not remember taking that amount out. I would like to give them something in writing for the first time besides the recorded call I have made requesting for information after I have given them my address correctly.
They continue to deleted and re add debt every few months. It was taken off and now they put back with a new date as if the debt just started today. They even share with other collectors and double report the item. I have listed the deletion from the past. Today it resurfaced. I am in a home purchase currently please help. 

XXXXXX/XX/XXXX removedXXXX XXXX $ XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX CHECKING ACCOU ( they sold and readded today ) {$1200.00} XXXXXX/XX/XXXX removed dateXXXX XXXX XXXX XXXX XXXX XXXX $ XXXXXXXX Removed dated but today the reaaded and changed collectors name. 

XXXXXXXX {$790.00}
On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

NCC Business Services INC in the amount of {$7000.00}
Visited doctor 's office ( XXXX XXXX XXXX XXXX, XXXX, XXXX, NJ ) in XX/XX/XXXX. Paid co-pay amount as per the doctor 's office at the time of the visit. 
Later, we received an invoice for {$180.00} from Doctor 's office. We denied to make the payment as we were not informed by extra payment at the time of the visit. Doctor 's office hired a Debt collection company ( Savit Collection Agency ). They called us few times. We explained them our position. We reported this issue to insurance company. As per the insurance company, Doctor 's office was supposed to call insurance company at the time of treatment to find out and inform patient about total out of pocket cost associated with consultation ( doctor mostly talked about how busy he is during consultation and did n't get any treatment ). We disputed the amount due under collection. SAVIT kept sending letters for collection. 
Finally, we made full payment ( {$180.00} ) to doctor 's office on XX/XX/XXXX via XXXX XXXX credit card. 
Collection agency ( Savit ) never reported to Credit Bureaus that this matter is settled with patient. Intention was to put our credit in jeopardy. 
We opened up a case on a website ( XXXX ) in XX/XX/XXXX as we were interested in buying a house at that time. They rejected case and did n't do anything to fix our credit. 
We see this as an attempt to jeopardize our credit to give us hardship by Doctor 's office and/or SAVIT Collection Agency. 
As we speak, we are in the process getting loan for our new house. Lender is offering us higher interest rate due to my low credit score. I never had any outstanding payment and/or behind on any payments in my life.
I 've been working with Barclays Credit Cards regarding Identity fraud that I have been a victim of. I have supplied them with information from the Federal Government, Federal Trade Commission, Consumer Financial Protection Bureau, United States Department of Justice, as well as my local police report. All parties agree that I was the victim of aggravated identity fraud and I was told by a fraud supervisor named XXXX after a multi-month investigation that I 'd be receiving a check in the mail regarding my credit balance. Several days later, a fraud investigator called asking more questions, this investigator named XXXX spoke with me and said he 'd issue refunds after he verified the police report. When I checked my account this morning, I was stuck with the bill for every single charge. This needs be addressed as I 'm now pursuing legal advice to move forward with a lawsuit if this is n't corrected ASAP.
The following information XXXX XXXX XXXX reporting on my Experian credit report ( report # XXXX, dated XX/XX/XXXX ) is false and inaccurate. 

1. XXXX XXXX XXXX is reporting the account Status as Petition for Chapter XXXX Bankruptcy. This is not correct. I sought Chapter XXXX on XX/XX/XXXX. My Chapter XXXX was DISCHARGED on XX/XX/XXXX. I am no longer in bankruptcy. 

2. XXXX XXXX XXXX is reporting the Account History as Charge Off. This is not correct. This account was Paid-in-Full {$7900.00} by the Bankruptcy Trustee, XXXX XXXX XXXX, XXXX. 

3. XXXX XXXX XXXX is reporting the Account History that I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. This is absolutely false. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint, ( CFPB Complaint # XXXX ). XXXX XXXX XXXX response stated they were to correct the inaccurate and false information, ( AUD Control Number : XXXX ). However, XXXX XXXX XXXX has failed to properly do so as Experian continues to report falsehoods.
Since XXXX XXXX XXXX, I have been getting the error message : " Sorry, account temporarily XXXX. Please contact support. '' when logging in from my authorized device. My Case ID is # XXXX I have XXXX factor authentication enabled, so am not sure why this happened in the first place. 

I have had no issues with verification and have previously made XXXX purchases on my account. I messaged support via their website on XXXX XXXX XXXX and only received a holding response thanking me for my query, so I called up their support number on XXXX XXXX XXXX, got through after XXXX mins waiting. I was told that I had to " reset my password '' and that my issue had been " escalated to a XXXX ''. They sent me an email confirming this. I successfully reset my password but still have been unable to access my own account. 

Once again, I called support on XXXX XXXX XXXX, got through after an hour, but no support offered beyond reiterating the previous message that my issue had been escalated and I was asked to " be patient ''. No timeframe was given as to when my seemingly straightforward issue would be resolved. 

It 's been over a week now of having a significant amount of money tied up in my account which I can not even access. I am not sure when this will be resolved, will they grant me access to my account in a few weeks / months / years? 

This company seems willing to accept deposits, but does n't allow customers to even access their accounts - this raises questions as to their legitimacy.
I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX XXXX for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). XXXX, Experian and XXXX XXXX previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.