WillisBack/dataset-financial-user-claim huggingface dataset:
I have received a few phones call from a company that refers to themselves as either " Litigation department '' or XXXX XXXX, attorney of ARA division. They 've contacted me regarding a credit card debt that is over 15 years old, I believe. I 'm not sure what the debt is. As a victim of identity theft, I 've ask them to identify the debt and provide me with proof of this debt since I 'm not certain that it was me. I asked that this information be mailed to me. 

When I asked for information, the female representative accused me of being a liar, used foul language, threatened me with court, and hung up on me. I called and back and spoke with gentleman, who immediately took an aggressive tone with me and I thought it was best to end the call at that point. 

Now, I 'm getting garbled voicemails that state they are filing an affidavit against me. If the company can not provide this information, I will not pay it. To simply call someone up, claim they owe money without provide proof is absurd.
In Summer XX/XX/XXXX, I closed an American Express Premiere Rewards Gold Card. 

In XX/XX/XXXX, I got an error on my account when attempting to transfer membership rewards points to an airline. I called and spoke with a representative who said I had a delinquent charge on the closed card for {$3.00}. She assured me it would be waived, manually transferred the points and said I was good. 

In XX/XX/XXXX, I noticed the account was incorrectly reporting 120 days negative on my XXXX   credit report ( while doing my annual checks. ) I called and spoke with a representative at American Express who apologized and said the amount ( the same {$3.00} ) would be waived. I called the credit reporting bureau the next week and they manually pushed an update to my credit report. 

At the end of XXXX, I got a notification that a delinquency was reporting on my account again, 30 days negative. I called American Express AGAIN on XX/XX/XXXX and they said the request for the fee waiver had been denied, but that it had been taken care of, and I could call the credit bureau to get an update pushed in 48-72 hours. 

I called the American Express credit bureau on XX/XX/XXXX and after some discussion with a representative who did not seem to understand my request, she pushed an update to my report. 

Today, my XXXX  credit report is showing that a delinquency was paid off, not that the delinquency was removed. Based on my conversations and the early XXXX update to my credit report, this delinquency should be removed as if it had never existed, not simply updated to paid off.
I applied for Capital One Spark Business Card. When I applied I never put my personal social security on the application I only put my EIN number on the application and Capital One pulled my personal social security without my consent. I would like for capital one to remove there inquire on my personal credit report for the date of XX/XX/18. How they got my personal information I do not know because I did not put my date of birth nor my social security number on the application.
Transition reporting inaccurate ifo on my credit report and wo n't give me a credit report
My mortgage account is currently in bankruptcy. Approximately around XXXX 2015 I submitted complaints to both the CFPB and XXXX in reference to SunTrust charging me {$1700.00} in fees. I was not notified of the fees and SunTrust also gave their lawyers inaccurate account information that led to a foreclosure process. In XXXX I received a letter advising that {$110.00} in fees was valid and the difference was credited. I called SunTrust to verify the amount I needed to pay for my Mortgage since there was going to be a scheduled change in the amount. Since I was advised my account was current, I was able to speak to a regular agent instead of being transferred to the Bankruptcy team. I also inquired about the fees owed. The agent advised me it was {$20.00}. I made sure to reaffirm the amount. I went into the branch and made my regular payment in addition to the {$20.00} in fees ( XXXX 2015 pymt ). In XXXX 2015 I received a letter advising that SunTrust filed post-petition fees in XXXX 2015 with the Bankruptcy courts in the amount of {$120.00}. This was the first time I have seen this document. Why was this amount not discovered during the four weeks of investigation on my account in XXXX 2015? Is the {$120.00} in addition to {$110.00} I owe? I hope this is another misunderstanding. I need to know EXACTLY what is owed in fees. So far I have been given various amounts from SunTrust ( {$110.00}, {$20.00} and now {$120.00} ). Also I called again just last weekend and your XXXX now has my account as past due. Please also note that due to my account being current I was denied a loan modification earlier this year. These conflicting status and amounts on my account is unacceptable and needs to be addressed. The inconsistencies make it quite hard to trust that all the departments are sharing appropriate information to manage this account. I hope this would be my last complaint and I would be able to get my account straighten out. I have attached a copy of response from the first compliant and the post-petition notice for your review. I should not have to spend this much time on this issue..
I XX/XX/XXXX, after returning from the XXXX of XXXX XXXX I purchased a home through Veterans Affairs. The loan originally was through XXXX XXXX and later went to Wells Fargo. In the XX/XX/XXXX, I contacted Wells Fargo asking for assistance with my mortgage due to financial hardships. After a couple of months of going back and forth, I was granted a forbearance modification by Wells Fargo. The modification approval ended on XX/XX/XXXX. I made every payment on time. At the time I was granted the modification, it was not explained the the mortgage was accumulating, now making it an even more challenging endeavor to pay the total amount due. I recently retired from active military service onXX/XX/XXXX and was diagnosed as a 100 % permanent and total veteran. Twenty days after the forbearance plan with Wells Fargo ended, they immediately started foreclosure procedures while pretending to be working with me to save my home. After several attempts to contact the person that was assigned to work with me to no avail, on XX/XX/XXXX, I was sent an affidavit stating many false accusations and stating that my home is now in foreclosure. The entire time that Wells Fargo pretended to work with me and having send them certain documents that I thought to be assisting with me saving my home, I found out that I was being bamboozled. Every attempt to speak with someone proved that each and every conversation was like starting the explanation as to what happened all over again. Somehow, each communication with Wells Fargo appeared that the company had amnesia as to any and all conversations. This is no way to treat our veterans that have given their lives in service of this great nation. Wells Fargo unknowing to me, sent proceedings forward to a lawyer asking that a judge grant foreclosure on my property without contacting me or allowing an opportunity to assist in resolving the matter after they promised me time and time again that they were assisting. All the time, they were preparing to send my property that I have been paying a mortgage on on sinceXX/XX/XXXX, into foreclosure. Wells Fargo supposedly sent the documents to a under writer for a decision on further assistance, while in fact, they were using the documents that they asked me to fax over to start foreclosure procedures on 20 days after forbearance modification ended. The loan assistance ended on XX/XX/XXXX. The foreclosure procedures were started XX/XX/XXXX. I have reached out to Wells Fargo several times in an attempt to resolve this foreclosure procedure. This is absolutely no way to treat our veterans that have given their lives in service of our great nation. This is truly an injustice after paying a mortgage to Wells Fargo during my tenure as an XXXX XXXX military member.
My business partner and I opened a Merchant Services Account with Wells Fargo in order to process credit card payments from our small business customers. We met with an account representative on XX/XX/2014 to set up a new business checking account and credit card processing service application. Throughout the entire meeting, we were only made aware of the contract 's stipulations verbally and frequently received instructions to authorize our consent by signing a screenless digital signature pad. Although we were hesitant to agree to the terms and conditions of the contract without being able to read it in it 's entirety, we were assured by our account representative that we were receiving full disclosure and had no reason to delay the application process. Only after we signed the agreement electronically were we given a hard copy of the contract for our files. At no time during the verbal " disclosure '' ( or outlined anywhere in the printed agreement ) were we made aware that there would be a $ XXXX-USD early termination fee to forgo the credit card processing services within a five ( 5 ) year period. Since opening the account in XX/XX/2014, our business checking account has been set to automatically withdrawal three ( 3 ) separate processing fees on a monthly basis. These fees have continuously increased overtime and seem to have little to no bearing on the actual payments we processed during the statement dates. The combined total for these monthly fees have rarely, if ever, been less than $ XXXX-USD and has caused our account to go into overdraft several times. On more than one occasion, these individual fees ( some as low as $ XXXX-USD ) have accrued an overdraft protection fee of $ XXXX-USD per transaction ( i.e., an additional $ XXXX-USD in bank fees for insufficient funds ). It is an endless cycle that we would have never signed up for if we had been made aware of ( or at least given an adequate opportunity to review ) the terms and conditions of the agreement. I have expressed these concerns to my designated account manager on several occasions only to be told that she has no control over the agreed upon terms and that I should contact a member of the third-party payment processor to proceed. I reached out to a customer service representative from this third-party company to express our concerns about the associated fees and minimum monthly requirements to avoid additional charges. In one of these conversations, I was told to process my personal credit/debit cards during " slower '' months in order to meet these monthly minimums. It is clear that since signing up for a Wells Fargo Merchant Services Account, our small business has suffered exponentially.
Concerning the PMI on my mortgage. My loan balance to original purchase price is at 77.1 %. The rules state that at 78 % or below the lender is required to cancel the PMI. I contacted PNC Bank and their response was that they are going by the original amortization table and that date states some time in 2021. Otherwise they require me to pay {$500.00} to them for an appraisal, to be performed by an agent of theirs. I do not see where this is stated in the rules. I am below the required 78 %. Can you assist in getting the PMI removed from my mortgage? 

Thank You XXXX XXXX
I have sent documents to Equifax showing the correct spelling of my last name ( XXXX ) and ask Equifax to correct it. They do NOT have the ability to put an XXXX in my last name and therefore do not have the ability to properly report and maintain my credit record. I request that Equifax remove all records concern my file. 
XXXX does have the ability and did correct the spelling of my last name.
XXXX is reporting inaccurate information on my credit file, and trying to collect I do not owe. This debt was paid, and they are in clear violation of the FCRA
Hello, I 'm one of the borrowers from Honda Financial. Ive purchase a car from Honda on the year of 2013 since then I was paying $ XXXX {$650.00} a month. I was n't aware of the high interest rate that I have. I 've talk to couple of people there and they were saying I 'm paying way too much for a car loan that most people are, and the first place my is a brand new ( SUV ) base model. I do n't know is it because of my race. My friend who has the same credit as me and bought a higher model car is paying less, I 'm very confused and disappointed. I hope someone from your good office can review this and help me out. Thank you.
My student loan started out to be {$32000.00} with XXXX in XX/XX/XXXX. My loan was transferred to Navient several years ago. However, even though I have made payments, the amount I owe now is {$41000.00}. I did request a forbearance, and did not start making payments until XX/XX/XXXX. However, that is still eight years of payments, with the amount I owe continually going up. I work for the XXXX XXXX, so if I had known about loan forgiveness after making payments for 10 years, I would have done so. I have also been confused how Navient applies my payments. Apparently, Navient charges interest on a daily basis which is why myself and others like me can not make a dent in the actual amount of the loan. I recently started making additional payments, but it does not seem to make much of a difference. Today, I contacted Navient, and I requested to have the amount I pay over the loan payment to be applied towards my principal. I was told that I could not do that, that Navient pays the interest first, and then applies anything else to principal. This is when Navient informed me that I am charged interest on a daily basis. I believe it is illegal for Navient to tell me that I can not apply my overpayment to my principal. For reference, my loan # XXXX. Thank you.
On XX/XX/XXXX G C SERVICES reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and G C Services multiple times to no avail.
I have hard inquires on my credit report that I did not authorize. Hard inquiries such as : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ),  XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries.Fraud alerts has been put in place with the credit reporting agencies. Identity theft has also played apart in hard inquiries and accounts. Accounts such as XXXX, XXXX, and XXXX. Letters were sent to all three agencies requesting debt validation for those three account, I have not received any response regarding my request for the hard inquiries and accounts to be removed from my credit report if they are unable to validate debt.
My name is XXXX XXXX, I am an elderly woman, after my husband died 2 years ago, I appointed my son, XXXX XXXX, as my Power Of Attorney. My son has brought to my attention some very disturbing information about the mortgage my husband had with XXXX XXXX Bank. 
XXXX has worked very hard to get information regarding the loan from XXXX Bank, who claims they own the mortgage, but they have yet to answer our questions. Unfortunately, XXXX Bank claims that my son has to deal with SLS, even though it is XXXX that is suing me. 
This has all become very confusing, my son says he cant get the information I need to defend myself. XXXX and SLS are running him in circles. XXXX is asking for a " summary judgement '' against me, and we have n't even had our questions answered yet. SLS and XXXX are stone-walling us at every turn. I have applied for a loan modification through the XXXX program, but so far with no success, because XXXX and SLS are asking for my personal information, which I will not give out, until they provide me with proof that they in fact do own the loan! 
please help me, I do n't know what to do next. 
XXXX XXXX
I have disputed two charges and Bank of America denied disputes without a valid reason. The dispute for XXXX was unauthorized and Bank of America said they obtained the proof of the sales slip. When I asked to see it ( my signature ) Bank of America was unable to provide the proof to me but still denied the despute. This is a violation of fair credit billing act. The second dispute for XXXX was for XXXX rent a car, same company, for services not rendered ( my car  wasnt available for 3 days after it was promised yet the full charge was charged. I provided proof of reservation showing the correct dates, yet Bank of America still didnt do anything )
In XX/XX/XXXX I took out an XXXX ( $ XXXX $ XXXX ) split no money down mortgage. Shortly after, after getting swindled by the previous owner ( a XXXX amp electric box on a XXXX service, illegal and dangerous, bare wire in the walls, pvc water supply pipes, a short cycling furnace ) and the building inspector finding none of this, I had to refinance the HELOC and take out more for repairs. It was then a $ XXXX $ XXXX, $ XXXX total. The house appraised for $ XXXX. Then the housing market crashed. The house was worth $ XXXX. This did n't matter, it was where I lived and I had a mortgage to pay. 10 years passed, my HELOC is about to amortize so I looked to refinance. I ca n't, I 'm still over $ XXXX upside down. I look into HARP. I do n't qualify because my loan is n't done by Fannie Mae guidelines. Being naive at the time I bought, I did n't know I was n't getting a loan that was n't by Fannie Mae guidelines. I then noticed the bank servicing it, Bank of America, had it as a XXXX XXXX. That ca n't be, because a XXXX has to be $ XXXX, which my home was not. I got BofA to remove the XXXX part but it 's still non-conforming so no HARP. That was XXXX - 10 months ago. XXXX says my home is worth $ XXXX now, but with $ XXXX on the primary and having only paid down the HELOC to $ XXXX from $ XXXX I 'm still $ XXXX upside down. Yet, not qualifying for HARP means because I 'm still upside down, I ca n't refinance to drop my XXXX % interest rate and hopefully offset the increase that 's coming with the HELOC amortizing or possibly merging the XXXX loans into XXXX. 
Since I could n't re-finance I tried for a re-modification. I ca n't because I do n't fit the XXXX Guidelines and make a little too much money for it because your mortgage and insurance have to be more than XXXX % of your gross income regardless of if you have other debts to pay. That might change when the HELOC amortizes but the HARP might no longer be a program at that time. And it 's a maybe. I 've recently had to tuck point a whole side of my home, replace the siding on the back of the house, replace the air conditioner, the furnace I bought 10 years ago had to have a blower motor replaced, so I 've run up new debt on top of existing debt. I now have $ XXXX in unsecured loans. I have $ XXXX in XXXX Loans. I 've paid down my credit card debt and have XXXX card with {$2500.00} at XXXX % interest for XXXX months that I 'm paying on and I 'm on schedule to pay off before the 0 % ends, and another card that had between $ XXXX - XXXX revolving debt that I 'm slowly working down so I can pay it off at the end of every month. I 've never been late or missed a payment on my mortgage, or my other debts. But with the amortizing looming, I 'm in fear of being unable to continue paying my debt on schedule. 
I have a XXXX credit score and have never missed a payment or been late. I understand the collateral of the home is less than the loan but my history shows I pay and on time. I just want to lower my interest rate.
Four months ago via phone requested that they not contact anyone but me - People outside of me were contacted and asked to verify personal information
Best Buy has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX Chase credit card sent me a credit card without me requesting the card. 
They began to charge the card for XXXX XXXX membership. They charge me twice {$13.00} in XX/XX/2818 & XX/XX/2018. I called them about 2 weeks ago to complaint, I was connected to some one working in XXXX XXXX. I told the person that I never signed up a membership with XXXX XXXX and to returned the credit back to me. I also told him to cancel the credit card that I never requested. 
I was able to log in today to the credit card ending in # XXXX, apparently they are continuing to charge me for the same charges. 
I do not want to have a credit card with XXXX. I will contact them again to end my relationship with XXXX XXXX. 

Sincerely, XXXX XXXX XXXX
XXXX XXXX is about the worst collection company I have ever dealt with. Not once have they ever given me the option of disputing the debt, the call me, my wife, my place of business all the time and are extremely rude and abusive. We have tried to set up payment plans with them which they refuse. I had them call me on XX/XX/XXXX at my work and I asked why they called my work and not my cell phone. They claimed they didn't have my cell number which was false as they call it all the time. I looked through our logs and other employees have also told them to stop calling here and they continue to do so. ( I was able to track down a recording of another employee telling them not to and them calling multiple employees after being told not to. They will not allow you to make payments on a single account when they hold multiple but they are now taking me to court over a {$76.00} account.
My XXXX Account was open on XXXX/XXXX/XXXX and was closed on XXXX/XXXX/XXXX. Somehow 8 months later I have a collection account amounting {$950.00} according to my XXXX report it was opened XXXX/XXXX/XXXX to verify the validity of this account I 'm asking the company produces a subscriber agreement ( 2-year contract ) bearing my signature and the last three billing statements. I 've requested these documents on more than 10 occasions then the company began hangging up on me every time I called the line was disconnect.
I requested XXXX statements for XXXX separate loans for the years XXXX and XXXX from Wells Fargo in writing on XXXX XXXX, XXXX. Since that time, I have received letters stating that I have no XXXX for those time periods. I know this to be false because I actually have XXXX XXXX for XXXX. They also told me it would take until XXXX XXXX, XXXX to complete my request. That date was later revised to XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. This delay is causing me great harm in that it is preventing me from completing my loan modification request since I can not complete my taxes. Likewise, I am receiving notices from the IRS claiming that you have reported this income to them and that I owe $ XXXX to which I am unable to respond due to the bank 's failure to respond to my request.
i made an atm deposit at chase in the amount of {$470.00} however there atm machine decide to change it to {$170.00}. transaction was made at XXXX on XX/XX/2016 AID # XXXX, XXXX fl atm XXXX. 

when i called them regarding this they routed my call to a foreign country who said they were going to assist me but instead they transferred me back to the customer service que and then to a XXXX survey without a live body coming back to the line. when i called right back from the same number they then pulled this we can not hear you XXXX.should it really take XXXX calls to get someone to help me? when i finally got a usa based supervisor on the phone they were unhelpful and refused to look up the transaction even though i gave him the number. what i do not understand is how i can clearly see the check for {$470.00} on my atm receipt and should also be able to see it online in my account yet they refuse too use there own technology. I want the missing {$300.00} credit today and a letter of apology for there offshore reps being so rude