WillisBack/dataset-financial-user-claim huggingface dataset:
Beginning on XXXX XXXX, I received 3 back to back messages on my office line from someone stating they were Investigator XXXX XXXX with the state locator office and I was to contact XXXX to discuss this legal matter before he came to serve me. It is in my best interest to call immediately because it will just go downhill for me. My parents called to say the same person had called them 3 times the same day and told them the same thing about the legal case against me, gave a case number and told them they had been legally notified. On XXXX XXXX my brother said he had 3 threatening messages left on his answering machine about an ongoing investigation regarding me and he was to return his call immediately to answer questions about me. On XXXX XXXX he called to say he received another message from Investigator XXXX XXXX to inform him my problems are turning to legal action and he was to contact them immediately at XXXX with case # XXXX to discuss this. He had 48 hours to return the call and he had been legally notified. On XXXX XXXX my brother said he received a message the 48 hours has passed and he left them with no choice but to proceed with having me served. On XXXX XXXX a message was left on my cell phone that this inspector will be serving me at home, work or with a family member to call XXXX immediately. He said I have until the of the day, good luck to you and hung up. On XXXX XXXX a XXXX XXXX left a message from an anonymous number and said garnishment documents have been faxed to my employer and to call immediately. On XXXX XXXX XXXX XXXX called to say he had claims against me and was a matter of jurisdiction. He will be contacting my employer for verification notification. On XXXX XXXX XXXX XXXX called and left 3 messages regarding complaints on my social security number ( gave the last 4 numbers ) and stated she will be starting employee verification and to call XXXX. On XXXX XXXX a friend from years ago said XXXX XXXX left 3 messages on her cell phone. Once to say she needed to call and provide asset information regarding me, once to verify she received the first message and again to say it was an important legal issue and she has been identified as being a known associate of mine. XXXX XXXX my mom called to say XXXX XXXX called her to ask about me, but she hung up. They then called later for my father, who also then hung up on them. My mother then filed a complaint with the FTC. XXXX XXXX my sister in law called concerned and stated there were 3 nasty messages left about my legal issues and she was to return a call to XXXX XXXX at XXXX. And also stated they had contacted her sister, or which I do not even know. XXXX XXXX XXXX XXXX called again and identified herself with the pre-legal department Warner Asset Location Service and to return her call immediately at XXXX before faxing employment and garnishment verification. XXXX XXXX XXXX XXXX left messages again on my office line and cell stating I must call prior to faxing verification of wages, assets and property.
XXXX   XXXX  passed away  XXXX   XXXX   XXXX . We have tried to close this account several times but  FNB Financial Services LLC.  refuses to let us close this account because we do not have a short certificate.  XXXX   XXXX   (  my mother ) had a will but it was not registered. My dad is now  XXXX   XXXX   XXXX  and this the last item he wants to handle before he passes away. My dad tried to list t he Interest  from these  XXXX  accounts on his  XXXX  Tax return but  XXXX  &  XXXX   XXXX  would not allow this and informed him by Pa law they are required to give him this money. I called FNB again on my dad 's behalf but they still insist they need a short certificate. Please help me clear up this matter.   Sincerely,  XXXX   XXXX
I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect XXXX XXXX XXXX to do so also.
I applied for ( and was approved for ) the Citi Thank You Premier Card on XX/XX/2017. Citi was running a promotional offer of XXXX points for spending {$4000.00} within the first 3 months. I charged approximately {$4200.00} within the first month of having the card. The XXXX bonus did not post to my account though. When I contacted citi customer service I was informed that there was no bonus offered when I applied and would not be receiving the bonus unless I could fax them proof that they offered the bonus when I applied. 

I did not take a screen shot of the application, and citi never sent me a letter ( electronic or paper ) confirming the bonus, so I have no proof that I can fax them. However, I am positive they were offering the bonus at the time of application. I have multiple credit cards already and the only reason I applied for the citi card was because I had $ 4,000+ worth of expenses coming up shortly and so would be able to easily meet all of their qualifications to receive the generous sign up. The sign up bonus was literally my only reason for applying for a new card, and I am positive the bonus was offered to me when I applied. I did not realize I needed to take a screen shot of the offer in order for citi to honor it.
The basis for my dispute is " Capital One Auto Finance '' Capital One Auto Finance was required to notify me prior to, or no later than 30 days after furnishing the negative information to credit bureau report XXXX XXXX XXXX, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with this requirement, which is a violation of the FCRA & FDCPA. 

Also, Capital One Auto Finance failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the XXXX, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Capital One Auto Finance is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )
On XXXX XXXX, 2016 I requested a mortgage satisfaction letter for my property at XXXX XXXX, XXXX XXXX XXXX XXXX from Bank of America which is in the process of being sold. Since then I have made numerous request and I have received the wrong document 3 times pertaining to another property in another state. I have spoken Bank of America 's Advocacy Team and again received the wrong documents.This has delayed the closing of my home and possibly the sale of the above property.
Hello, I paid off my credit card balance in full per their statement only to get a bill for a fee. I was carying a balance and had been charged fees for carrying that balance, which was my motivation to get it paid off. I called Chase regarding this fee and they basically said to bad. I argued the fact that I paid the balance in full according to their statement and should not have to pay the fee as it was not on my statement.
I have a Citibank HELOC loan and it is scheduled for automatic payment each month by direct transfer from my checking account. There was an adjustment to the loan amount and the interest is variable ( 25 bps below prime ) and as a result of the adjustment the automatic payment was insufficient to pay the amount due. Citibank called and left a message there was a deficiency. I made an additional transfer between accounts to pay the debt. Another call ensued from Citibank the representative ( XXXX : No. XXXX ) demanding payment. ( The payment was only 10 days late, and no written notices were ever sent ). I asked him if he checked his records to see if the payment was made. He said " no. '' He said he had no ability to check records to see if the payment was made or not and that his job was just to call and demand payment. Obviously, this is harassing.
On XX/XX/XXXX my son and I, the co signer, were sent letters of default on 2 loans. When the letter came, I sent a check clearly marked with the 2 account numbers. 2 years later I find out the one account was never credited. I called Discover around the XX/XX/XXXX,  they tranferred me to XXXX. I sent her copy of the cancelled check. She said she would call back in 1 week. After 2 weeks I called Discover and asked to speak with XXXX. Was told that there was no XXXX working for Discover and I must have called XXXX XXXX instead. I said no, I didn't even know what XXXX XXXX was so how could I call them. I explained that the only thing XXXX had done was put the loan in question back on my account. XXXX said she would personally look into it and call me back within 2 weeks. NEVER called back. Called again on XX/XX/XXXX and talked to XXXX in XXXX XXXX XXXX. He saw all notes and promised to take care of things. That was 2 months ago and still nothing is resolved and I have a mark against my credit because of their mistake.
Contacted attorney who wrote letters to Capitol One and XXXX XXXX instructing them to cease and desist phone calls in the middle of the night, at XXXX & XXXX XXXX and all day long because of usury interest rates and inflating amounts owed.
I filed a dispute with XXXX  on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My XXXX  credit report currently shows an account with XXXX XXXX/XXXX XXXX which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX XXXX / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by Credit Karma. I also had this same account listed on my XXXX   credit report and I disputed it there, as well. I received the same notification on my XXXX  report stating, " XXXX XXXX Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX was removed from your credit report '' NOW ... the account is listed on both my XXXX and XXXX credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, XXXX will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.
I missed a payment during XXXX 2015 and my account became delinquent. During this time, I was being treated for a medical condition that had me out of work and my covered by the Family Medical Leave Act for over XXXX months. During this time, I underwent multiple outpatient procedures and was heavily medicated. After my treatment concluded, I tried to get my affairs in order with all my credit card accounts. I contacted Macy 's to advise them of the matter and a young woman took the better part of an hour to help me with my account. She had to check with her chain of command and was able to waive the late payment fee and the interest charged to the account. I specifically asked if this would be reported because my biggest concern was the impact to my credit. She confirmed that removing the fee and interest would remove any delinquent status from my account and that I would not be impacted due to this change. 

I am now in the process of refinancing my house and see that Macy 's is reporting on my credit. I called to speak with their credit bureau team on XXXX/XXXX/15 and was told by both a rep and manager that no changes would be made. I informed them that I was previously advised that the reversal of the late fee and interest would not impact my account by the person who helped me. They both said that no one in the credit collections department would ever tell me that. I informed her that other credit card companies I spoke with ( XXXX, XXXX XXXX, XXXX, XXXX XXXX all updated my accounts so that any delinquent status would not reflect due to my medical emergency and treatment. The manager stated that Macy 's Credit Card company policy is NOT to make changes to accounts with late payments because they do view a medical emergency and treatment as an excusable event for not making a payment to their account. I asked for the matter to be reviewed since I was specifically told the account would not reflect delinquent or affect my credit. I informed the manager that I would be filing a complain against Macy 's for providing false information. She did not offer to review the call or research the matter any further.
XXXX XXXX dispute late payment XXXX XXXX XXXX dispute late payment XXXX
As the victim of identity theft, I should not need to prove my innocence to recover money that was stolen from me. 

On XXXX XXXX, 2015, my checking account debit card was used without my knowledge and without my consent for {$850.00}. According to the bank, my card was used at a XXXX XXXX at XXXX on XXXX XXXX, and it was done in person. They said the only way that it could have happened was if someone copied my card and signed in person. Great. I was at work all day and have physical evidence that I was there the entire day. This transaction could not have been done my me. I am the victim of identity theft. 

I went to Associated Bank on XXXX XXXX, XXXX and XXXX in an attempt to dispute the transaction. I was told the first two times that I needed to wait until the transaction was no longer pending to dispute it. On the XXXX, I was able to successfully dispute the transaction, and the bank told me that they needed to conduct their own investigation. The lady who helped me told me that " as bad as this may sound, the more you try to prove your innocence, the better it will help your case. '' At her advice I went to the XXXX XXXX the incident occurred at with the information the bank had given me. XXXX XXXX informed me to file a police report, and I did in XXXX, MN with the incredibly helpful Officer XXXX ( Badge XXXX ). The case file number is XXXX. 

I have done everything Associated Bank has asked me to do to prove my innocence. They have provided me with no evidence that I made the purchase, yet they insist on not returning my money until XXXX XXXX at the earliest.
Please excuse the reasons selected. I tried to make a small payment but the company 's website does n't recognize the routing number for my savings account. I emailed and verbally told employees that it was n't working. As of XXXX/XXXX/XXXX, the website is still not accepting the routing number. 

Message on website after entering routing number : The payment information provided is invalid. Please try again.
XXXX lien my house with XXXX judgements for the credit card debt that has passed 4 years from the first date of default. I contacted US bank and XXXX who confirmed that first date of default on these accounts were XX/XX/XXXX ... US bank sold this charged off account to XXXX and XXXX sold this account to XXXX. Both of these collection companies were then solicited by XXXX XXXX who promised them to collect. XXXX then has filed for a judgment in XX/XX/XXXX which is past the 4 years and violates the statute of limitations for the state of California. XXXX has violated federal statutes and violated Fair collection practices act. I asked them to stop and release the liens even offered to settle on these account but they refused to accept anything less than full balance.. I keep getting harassing and ensulting phone calls very early and near XXXX from this company. XXXX agreed to settle these account for less than full balance sent me a fax on XX/XX/XXXX, and now denies doing so ... XXXX said they will send a sheriff to my residence or work to arrest me if these accounts are not paid in full in 10 days. THis is unacceptable is n't there a law to stop these illegal collection practices? ..
In XX/XX/2017, I scheduled the payoff amount on Wells Fargo Dealer SErvices website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/2017, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of 400 plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on Wells Fargo Dealer services side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with Wells Fargo, XXXX, XXXX, and XXXX. Noone is correcting the mistake.
I have asked AFNI Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I was informed on XXXX/XXXX/XXXX that I had been sued and that my wages were being garnished. I was advised that a debt from XXXX was purchased by the company XXXX XXXX. I was never served or notified that I was being sued in court. As a result of this I have to quit my job because I do not have sufficient funds to support me and my family and fuel my vehicle to get to work. These people purchased the debt after being written off from the original credit card company and doubled the amount claiming interested. A {$12000.00} debt has now become a {$58000.00} debt because this company has added an outrageous amount of interest, and fees.
In XXXX of XXXX, I cancelled my internet and cellular telephone service with XXXX XXXX because of their poor customer service. They bundled and unbundled my services too many times. On XXXX XXXX, XXXX, I checked my credit report and found a collection item from Central Credit Services. I called Central Credit Services and was told that I owe XXXX XXXX for my final billing. However, I called XXXX XXXX in XXXX and XXXX of XXXX to ask for my final bill and was told each time that my balance had been paid in full. On XXXX XXXX, XXXX, I called XXXX XXXX and was told the final bill was due to cellular phone charges in XXXX. I then called XXXX to verify that my cellular bill had not been paid. The representative from XXXX let me know that my cellular bill had always been paid, and I have a zero balance going forward. He also noticed that the service had been bundled and unbundled by XXXX XXXX many times. On XXXX XXXX, XXXX, I talked to XXXX in XXXX ( she was more than happy to tell me where she was ) from XXXX who told me that now I owe for a modem, too, so the bill is not only for cellular service but also for a modem. I do n't know how I leased a modem in 24 hours since I do not have service with XXXX anymore. I let XXXX know that I would be happy to give XXXX the documents I will be receiving from XXXX if they are willing to pay the {$5.00} fee I had to pay to receive them. If I would not have checked my credit, I would not have known about this account because XXXX XXXX gave the collection agency the wrong address, and I never received a letter from the collection agency to tell me the account existed. It needs to be noted that I gave XXXX XXXX the correct address several times both over the phone and on the company 's web site many times, but it was never updated. I tried to resolve this issue with XXXX, but she told me I had to dispute it through the collection agency. The collection agency told me I had to dispute it through XXXX XXXX.