WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, my check was direct deposited on my American Express Bluebird card. I got off work at around XXXX XXXX. I then loaded my family up and went to gas station to put {$60.00} in my tank and 2 packs of smokes. I knew that I had {$830.00} on my card after paying for insurance and making a few other purchases. When I ran my card, it was declined. Ran again and agan declined. Tried withdrawing from ATM and was declined. Checked my balance on app and seen that I only had XXXX cents left. Upon further checks, I noticed 2 transfers that I didn't authorize. One was for {$500.00} and the other was for {$330.00}. It should also be noted that a third transfer was present for {$330.00} but was canceled. {$500.00} was transfered to somebody by the name of XXXX XXXX. That same person also had the cancelled {$330.00} transfer going to her/him. The {$330.00} transfer that went through was to a XXXX XXXX. I do not know either of these people. I tried telling this to American Express but in their initial investigation they found no errors. They don't call employer as the first transfer happened at XXXX. Which I didn't know till after work. I've been waiting close to a week arguing with these people only to keep getting the run around. No numbers for investigation department, same for email. Absolutely no contact or support. Now, I still don't have my money back, an answer to second investigation. This company has a history of things like this happening and denying legitimate claims. Something needs to be done. All I want is what's rightfully mine. {$830.00} is a lot of money in my family. I have emails as proof and employer may be called for verification that I was in fact at work. I also should note that my card was in my wallet in my back pocket all day. No one had access to it.
Received no written notification of this debt. Don't know what this debt is. 

Repeated harassing calls from rotating numbers several times a day to myself for months no messages ever received. Research on my part indicates it is Portfolio Recovery Associates. Still unclear where debt originated. Portfolio Recovery Associates reported to credit bureaus age of debt is reported as 4 years 10 months showing was opened in XXXX XXXX, XXXX. We had filed bankruptcy XX/XX/XXXX. I believe from research we can not be sued but it shows up as a collection account. Under Texas Debt collection act it is past statue of limitations.
Dear Sirs, My name is XXXX XXXX XXXX, resident of the municipality of XXXX, XXXX XXXX. I am the owner of a XXXX XXXX XXXX vehicle of year XXXX. This car was financed by XXXX XXXX XXXX XXXX XXXX. The account number with XXXX XXXX XXXX is XXXX. 

After the passage of hurricane Maria over XXXX XXXX, XXXX XXXX XXXX was one of the companies in XXXX XXXX that granted three months moratorium to consumers for the payment of their bills. As a client of XXXX XXXX XXXX, I was one of the beneficiaries of that moratorium. After that period, I continued making my payments to XXXX XXXX XXXX on time. 

Due to an involuntary confusion regarding the scope of the moratorium, XXXX XXXX XXXX, alleged that a payment was missed in my account. I NEVER received a communication or a phone call from this financial institution to indicate that there was a delay in my account. If I had received some type of communication from the financial institution, I would have made all the necessary arrangements to resolve the situation immediately. 

I have always been very careful and responsible with my credit. All my accounts are paid on time and usually well before the due date. My credit score has always exceeded 800 points as has been classified as excellent by all of credit report companies ( Trans Union, XXXX and XXXX ). 

On Monday, XX/XX/XXXX, I received a message from Trans Union indicating that my credit score had dropped 117 points, due to a supposed one-month delay in my account with XXXX XXXX XXXX. Respectfully, I request that this negative mark be removed from my credit history. 

Cordially, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PR XXXX Telephone XXXX
I have tried to retrieve my credit report from Experian online. I am unable. I am requested to write in for it. I tried to call to find out why but I can not find a number to actually speak with someone. I finally received my report and have tried to file a dispute and again I am being asked to send in for a credit report which I already have. I have not had the problem with XXXX and XXXX, only Experian. Any assistance would be appreciated.
This account was charged off in XXXX. I checked my experian credit report and I see missed payments for this account in XXXX, XXXX and XXXX of XXXX and XXXX +XXXX of XXXX. This account was charged off years ago!
I SENT ON XX/XX/XXXX A CEASE AND DESIST LETTER AND FOR THEM I COMPLIANCE TO FTC AND CREDIT LAW, REMOVE THIS DEBT OFF MY CREDIT FILE WITH ALL 3 CREDIT REPORTING AGENCIES, THE ORIGINAL CREDITOR XXXX XXXX, STATED THEY WOULD REMOVE AND CLOSE CHARGE ACCOUNT WITH A {$0.00} DOLLAR BALANCE AND DID SO AS OF XX/XX/XXXX, THIS COMPANY XXXX XXXX IS A COLLECTION AGENCY THAT IS IN VIOLATION OF MY STATES STATUES, SINCE IT WAS FROM XX/XX/XXXX, FORWARD ... BEYOND 2 YEAR LIMIT OF FILING OR COLLECTING.
Opened account with PayPal Credit in XX/XX/XXXX web checked my account and it disappeared XX/XX/XXXX with account in good standing and no missed payments. I called the company twice and got the same answer, " the system identified your account as part of a bankruptcy and has been charged off to collection '' I asked to escalate my compliant to resolve any issue and they denied any such action. Their has been no bankruptcy attached by me or any bankruptcy in the year this account was opened. There were no notices via web, mail or phone.
I received a statement from Toyota Financial Services on XX/XX/XXXX showing that I only owed {$1.00} due XX/XX/XXXX. I called the company to see if this was correct. The lady I spoke with said yes the {$1.00} was an unpaid late fee which I am removing so you now have a {$0.00} balance. I also have the Toyota Financial Services APP on my phone and checked it again at the beginning of XXXX and it showed I had a {$0.00} balance. XXXX the XXXX I went in to make the XXXX payment due on XX/XX/XXXX still only showed I owed one payment. I went back in the app on XX/XX/XXXX to schedule the XXXX payment for the XXXX and noticed that I owed 2 payments. I called Toyota Financial Services right then to see what the problem was. The lady was very rude and absolutely no help. She said at the time I was now 9 days past due on the XXXX payment and I must pay it with the late fee. I explained to the lady what happened an again very rude. I called back a few days later during the day and got another lady that was absolutely no help. She proceeds to tell me the same thing the payment is due and there is nothing they can do for me. I advised that I always make my payments on time and would never wait 26 days before making a payment and there is no way I can come up with the 2 payments this month because I was definitely not prepared for that. Asked if they could defer the payment since it was there fault and she says no they cant do that. She said when I called in back in XXXX they noticed that something must not be right and looked into it then found the error in XXXX so the payment is due. I advised the lady that I understand that it's due, but it was there mistake so could they please defer it. She would not. I hung up with her and called back in today XX/XX/XXXX. I got another lady who is no help. She said it states in your contract that you have to make a payment each month. So its not our fault and you owe the payment, we can't do anything for you. She proceeds to ask when I will be making the next payment for my XXXX payment ( which should be for my XXXX payment ). I told her I will be making the XXXX payment on XX/XX/XXXX and then will be refinancing with another company. This is literally the worse place to do business with. I will never finance anything with this company again and something needs to be done with the way they do things and how they talk to people.
Green Tree Servicing LLCXXXX XXXX XXXX SD XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct. No. XXXXMy loan was transferred ( sold? ) to Green Tree on XXXX XXXX, and since that time I have had nothing but problems with Green Tree ... the main problem is that XXXX did not apply, or did not notify Gree Tree, of my XXXX XXXX payment ... XXXX XXXX XXXX has been involved and helping me with trying to work this out, but Green Tree seems to be totally unwilling ... 

I have sent XXXX my payment records to XXXX for the past year, which shows I DID NOT MISS ONE MONTH OF PAYMENTS and also SENT ADDITIONAL FUNDS SEVERAL TIMES DURING THE YEAR ... .I am attaching this once again. 

I am upset that my loan was sold and I now have to work with this company who is totally unwilling to do anything but demand XXXX PAYMENTS. I have told all of your reps my husband passed away 3 years ago, my income was cut in half, and I have only missed XXXX payment in those three years, and that was the month after he died, when his employer wiped out my checking account. 

I am willing to hire an attorney to help protect my home ... but do not see the need to. This is truly so frustrating. Please please have someone contact me. 

Sincerely, XXXX XXXX XXXX XXXXthis is a summary of my complaint with XXXX Tree..this is the most unbelievably frustrating situation, and they are not willing to help me, only threatening my credit and home..
XXXX repeatedly fails to give me my credit report, without saying why, with a non-specific error : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX "
On XX/XX/XXXX I had a XXXX at XXXX XXXX XXXX XXXX. I have been making payments on this account to XXXX directly. I currently owe {$150.00} from that date according to XXXX  website. Today I was contacted by transworld systems to pay a balance from that date for that doctor of {$300.00}, which is the previous balance. They gave me a fake account number that doesnt remotely resemble any other XXXX   account number Ive seen. They tried to say it was a different debt and then they tried to say it was a balance from XXXX. I look online at the XXXX  portal and they say I owe {$150.00} from that day in question. I am livid because they are trying to extort money from me that I do not owe. I have asked them not to contact me again.
I filed chapter XXXX bankruptcy. My plan was a XXXX % plan with a special provisional to pay all school loans XXXX %. XXXX school loans were involve : XXXX claimed that I owed {$38000.00} I paid the full amout that they claimed that I owed. Texas Guaranteed claimed {$31000.00} I paid the full amount that I owed. Now that my case is discharged ( Paid in full ) both companies sent me bill over {$10000.00} each. Total over {$20000.00}. I have contacted them, My attorney has sent the court documents stating that my plan was a 100 % plan with a special provisional to pay student loans XXXX %. Neither company has given me any proof that I owe them money. They have not been able to proof that I Owe them any money nor can they prove they explain the amount that I owe. I am concerned and confused. Please help.
I submit these ongoing issues from creditor and credit reporting bureau Equifax. I have requested several times for Equifax to verify and correct misinformation and balances on my credit file all which come back verified disputes. I ask that you request credit history from XX/XX/XXXX in regards to XXXX XXXX XXXX. On XX/XX/XXXX creditor States current balance is XXXX. On XX/XX/XXXX reported to Equifax in dispute balance XXXX. On Credit history for XXXX XXXX from XX/XX/XXXX. I have submitted several times billing documents for hospital proving Medicaid coverage, however disputes continues to verify information. On top of my information being taken in the breach, I am now going back and forth with disputes that are known discrepancies.
I just received written confirmation that XXXX XXXX, my ex-wife, will be removed as an Authorized User on my Wal-Mart Credit Card, account number XXXX ( the Account ). It is my understanding that Walmart intends to continue reporting the Account to XXXX, XXXX and XXXX on XXXX Credit Report, with the premise that she is not responsible for the balance. Unfortunately, although she is not responsible for the balance, the existence of the Account and the related payment history ( that she is not responsible for ) is negatively impacting her credit score. XXXX is in the process of securing a mortgage for the purchase of a home. The negative impact ( lower credit score ) from reporting the Account on her Credit Report, will cost her several thousand dollars in order to obtain an applicable interest rate if the Account was deleted and no longer reporting ( higher credit score ). Since she is not, and was never, responsible for the balance on the Account, I do not understand why you would report it to XXXX, XXXX and XXXX on her Credit Report in the first place? It is based on this premise and the negative impact the Account has on his Credit Score that I request that the Account be deleted immediately from any and all future reporting, on behalf of XXXX, to XXXX, XXXX and XXXX. I would like written confirmation that this request has been submitted to XXXX, XXXX and XXXX and that in the interim, I would like it noted on my Account, immediately, that I authorize a responsible Representative, from Wal-Mart, to  discuss this information openly with XXXX XXXX, XXXX, XXXX and XXXX. Time is of the essence and I would like written confirmation immediately. I look forward to hearing from you right away.
XXXX XXXX XXXX  AND TRANSUNION KEEP VIOLATING THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT-TITLE X.
Umpqua Bank shut off the debit card that belonged to the joint on my account for no reason. The local branch said it was because he had n't used it in 6 months. This account is over 20 years old and has thousands of dollars in it, has never been anything other than in good standing. This account started with Sterling Savings at least 20 years ago when I worked their, they never did anything like this. Typically joints are on the account for the just in case and I had such a case come up and that is when he found out his card was no longer good. Luckily, the joint was not traveling because they would have just left him stranded. I did not get any notice of this, the disclosure does say that they can take a card for no reason, but I have been in the banking industry for years and this is done for account abuse. If this process continues the joint will need a card every 6 months, so really they are n't thinking to clear as the cost of the cards do add up. 
You do n't have a correct issue on the bottom that best describes my issue. 
Thank you! 
XXXX
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX. XXXX and XXXX XXXX. XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
We were turned over to XXXX XXXX XXXX in XXXX and were told that before they would service our loan we had to do a new loan, in XXXX XXXX offered us a modification and only reduced our payment by {$100.00} and then told us we were late on paying and then tried to foreclose. We had to pay them over {$10000.00} to keep our home, then in XXXX XXXX dumped us to Green Tree Servicing, they have told us ever since that we have been late on paying when we have not been, they charge a fee every time we pay them. In XXXX I lost my job due to illness and in XXXX of XXXX we had to file Bankruptcy. Green Tree immediately turned nasty, they tried to get the relief of stay lifted and then withdrew the request, after they lied to their attorney and he dropped them. We paid on our mortgage through XXXX of XXXX, since XXXX of XXXX we have put in hardship letters and modification paperwork and Green Tree has repeatedly come back with XXXX excuse after another why it can not be done, to date we have put in over XXXX requests for modification, we even went through the HAMP Resource Center and they stated that since the requests and replies for modification were non-HAMP there was nothing they could do to help. Green Tree has offered XXXX modifications that we can not afford at this time, our only income is my wife 's XXXX, I have applied for Social Security XXXX but have been turned down XXXX. Since then I had to engage an advocate service and now we are waiting for a hearing. In the past week Green Tree has called us and told us we had to pay in order to get a modification approved. We ca n't afford to move because even the rents in our town are as much as our payments. We do not feel that Green Tree is being sincere about helping us, we even got a foreclosure letter from an attorney the same day that we received another modification package from Green Tree. We ca n't sell our home due to the fact that they are still building new homes in our area and no one wants a XXXX year old house. We feel that Green Tree has violated almost all of the conditions of our mortgage agreement, we have requested documentation of who owns our mortgage but to date we have not received XXXX shred of documentation except for a copy of Green Tree 's servicing document from XXXX. Green Tree keeps changing who we need to talk every XXXX months and then we have to start all over again. They are the worst company I have ever come in contact with, they have no knowledge of mortgage issues or how to do anything mortgage related. They keep making demands but do not offer to really help. We hope that you can offer some insight in to what we can do with these people. Thank you.
XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : XXXX, XXXX AND EXPERIAN I am writing to dispute the following information that appears on my [ XXXX or Experian or XXXX ] consumer report : Dispute : " XXXX   XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
The interest on my loans was raised to one of the highest the loan counselor at my university has ever seen. I 've been told that because I 'm in a loan repayment program I ca n't try to lower the interest. I 've also been told that if I were to request a lower interest that it might come back as higher interest and then I would not be able to decline that higher interest. What business operates this way?! I make my monthly payments ever month and yet go further into debt every month because of interest.
In order to afford buying my home 10 years ago, I had to take out a XXXX mortgage. At the time, I only qualified for an ARM from XXXX. After the XXXX year, my payment jumped and I was struggling to pay my bills. I did n't want it to continue climbing, so I talked to my bank, Wells Fargo, about refinancing my loan to a fixed rate. My ARM was above 7 % and I was able to get a fixed rate of 8.39 % from Wells Fargo on a HELOC. At the time this was a positive thing, as I was not in fear of not being able to pay it since it was fixed. Then in 2008, the market in the DC metro area collapsed and my home value fell over XXXX from what I paid for it. At the same time mortgage rates dropped, wages were stagnant, and the cost of living increased. 
Since then, my home value has rebounded some, but is still 40K below what I paid for it. I am struggling to pay my bills and because of negative equity in the home, I have been denied at every turn. 
I tried the HARP program with the federal government and did not qualify, I talked to reps at HUD, FHA, Wells Fargo and numerous other financial institutions and I have been unable to obtain a refinance. Recently I reached out to my Congressman and Senators about helping work with Wells Fargo to obtain a refinance or a rate reduction. Recently, Wells Fargo denied my inquiry and had me apply for a refinance, which they denied due to negative equity in the home. 
I am a car accident, replacing my non-functioning AC system, or a broken aging appliance away from not being able to pay Wells Fargo what I owe them monthly. I am current on my payments, have good credit, and want to pay my obligation, but if " life '' happens in any way, I will fall behind and not be able to pay. 
I have run out of options and need this rate reduced or a refinance or I risk default on my loan and foreclosure. Even in foreclosure, I would be at risk of a lawsuit because Wells Fargo would likely not get anything due to the negative equity.
I received the following e-mail this morning XX/XX/2018 at XXXX XXXX  from XXXX XXXX XXXX. I have two loans through XXXX, only one was affected. 

***Past-due*** We get it, life happens and oversight occurs. We noticed that the payment on your education loan ( s ) from XXXX XXXX XXXX Loans is now at least one payment past due. 

If you have already made your payment, thank you. If you have overlooked making your payment, please send it promptly. You can make your payment online by visiting our web site at XXXX, you can call the number below, or you can mail a check to the address listed below. Check payments, made payable to First Associates Loan Servicing, should be sent in U.S. dollars drawn on a U.S. bank account. Please be sure to write your account number on your check. 

Mail Payments to : First Associates Loan Servicing C/O XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX Please note that under the terms of you loan agreement ( s ) XXXX XXXX XXXX XXXX may charge you late fees on any payment that is 15 days or more past due. 

If you are having difficulty meeting your scheduled payments, you may be eligible for assistance. 

We urge you to contact a servicing team member at XXXX, or visit our web site at XXXX for more details. Our hours of operation are XXXX XXXX  to XXXX XXXX  Monday thru Friday XXXX and Saturday XXXX to XXXX XXXX XXXX. If you have already paid your past due balance, please disregard. 

As required by law, you are hereby notified that we may report information about your account to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

THIS IS AN ATTEMPT TO COLLECT A DEBT. ALL INFORMATION WILL BE USED FOR THAT PURPOSE. 


Sincerely, XXXX XXXX XXXX XXXX Customer Service *************************** ***ACTIONS TAKEN*** *************************** I logged into my account and found that the amount that I owed was {$5.00}. At the time I was setup for auto-payment through their customer website https : XXXX. I tried paying the amount owed through their website, but was unable to as I was setup on auto payment. I called their support number and the support person told me that the amount that I owed had gone up. I had them remove auto pay as their is no use having auto payment if the full amount owed isn't covered and have since paid the amount owed, I was not charged any late fees or penalties, however I think this is a rather deceiving practice and needs to be looked into. Note that this was the first e-mail that I received that the amount that I owed would be going up.
A collection was deleted from my credit reports with   XXXX   XXXX       bureaus, and was recently reinserted. I did not receive any notice for this reinsertion.