WillisBack/dataset-financial-user-claim huggingface dataset:
I ordered a printer from XXXX, and many things happened just for a coupon to work because the rep told me to order first then he 'll apply coupon for me. Afterward, I tried to cancel a few times because they would n't honor the coupon then fast forward 2-3 weeks later, I still get no tracking or anything of this printer because I was supposed to deny delivery in order to get my refund. So then I disputed with my credit card company and won and thought this ended. They come after me months later trying to get money off me for this printer that I did n't receive and of course I emailed back and forth with them. They told me they fixed it and gave me credit for this. I even emailed the receipt and information to their collections email and now I get collections notice today in the mail that it went to a collections agency.
The credit card company withdrew 2 payments from my account without my consent leaving my bank account overdrawn. I contact them and they promised to reimburse my account in 24 hours. It 's been 4 days and I 'm charged with NSF fees. Todate, they have not returned the extra payment.
I applied to get approved for my first mortgage, and the lo an officer to ld me about a single collection account on my credit. Because my median score was a  XXXX , not  XXXX , I wo n't receive the a great rate. This collection was a complete surprise to me. I never check my credit because I heard it hurts your score. I just assumed that since I pay all my bills on time and do n't keep excessive amounts on any credit cards, there would be no problems.     The collection is from the company  XXXX   XXXX . They put it on my credit in  XXXX     2011 in t he initial amount of {$420.00}. It supposedly originates from  XXXX   XXXX   XXXX , an apartment complex in which I once lived, due to cleaning expenses.     I remember this charge. When moving to a new apartment in  XXXX   2011, the ne w apartment complex (  XXXX   XXXX   )  noticed this on my background check. They required me to pay it before approving my new lease. I thought {$400.00} for cleaning was absurd, but I went to the old apartment and paid it along with my final payment.     I assumed it was water under the bridge until a few weeks ago. Last week, I contacted  XXXX   XXXX   XXXX , and they could find no record that I owed them any outstanding balance. I spoke to  XXXX , the office manager, who was helpful. I then contacted  XXXX   XXXX , and they could n't find any documentation to support the claim. Yet, they just pressured me to pay it and refused to remove it from my credit even if I did. I 've now started disputing it with all  XXXX  major credit bureaus. However, none seemed too enthusiastic to help. In fact, they told me that it 's not their job to ensure the report is accurate ; they merely report what 's told to them. Transunion told me this was my fault for not checking my credit.     I contacted  XXXX   XXXX , who was more than helpful by looking up 6 years in the past to find the exact check where I paid them. It was paid on  X/X/2011    with check number  XXXX .     If not corrected before closing on my mortgage, this error will cost me 0.50 % on my mortgage rate, which equates to about {$42000.00} of interest that I 'll be forced to pay.     The credit bureaus should be held liable for allowing fraudulent information on their report without doing their due diligence to ensure its accuracy. They have a responsibility to their clients who purchase those report and use that information in financial decisions. Furthermore, they have a greater responsibility to the public, whom eventually pays for their negligence.     Please, I need help. I 'm ju st one pers on who feels like they 're being disparingly treated because they may not have the financial means of others. I have a right, like any other, to ensure my history is reflected properly.     If the CFPB wo n't help, my next step is to consult with an attorney. I 've done everything I know to do without going further, but this must be rectified before it cost me thousands.
Never gave my Employer Number to Contact. Not allowed to receive these calls at my place of business Called and Claimed to be from XXXX
Basically, a company called " Delta Management '' had been calling me saying I owed money because I had a defaulted state loan from the XXXX XXXX XXXX XXXX. They said the debt was not paid on time, so they took the loan, they said they tagged extra money onto the loan, and I need to pay it. I asked if it was a scam, because they ask me my birthday, SSN, before they say anything, and it seemed very sketchy at first. But I have been paying XXXX $ /month for years now. I saw some people review online that the company was a scam, and I just wanted to make sure I haven't been scammed. Can you please help me with this issue? I am happy to provide my information later.
This is a notice and demand of validation of debt and dispute. 
ERC Account # XXXX This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt. 
Please provide me with the following : 1. A copy of your original contract to account # XXXX under which I accrued the alleged debt for {$2500.00}. 
2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter.

3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification.

5. Please also include the date which you communicated with that individual or the date by which the system was access.

6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation.

7. Please inform me of the date you opened account # XXXX 8. Please provide me a record of any payments or other reductions since the last billing statement for account # XXXX 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why. 
10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office.

If you provide the requested documents, I will require at least 30 days to investigate this information you provide. 
During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period. 
If your office does not respond in 30 days, you have to remove it.
I received a phone call at XXXX on Thursday XX/XX/XXXX ... caller ID showed that it was XXXX XXXX XXXX ( our bankruptcy attorneys ). A man identified himself as XXXX XXXX, a lawyer with the group told me that he had just gotten off the phone with an attorney representing XXXX XXXX, XXXX of our creditors, and that if I did n't call this other attorney and make a payment of {$780.00}. that he was going to put forward paperwork for me to be arrested and to sit in jail for 30 days, because of a judgment that was filed against me. I had no reason to doubt this person, because as I stated above, caller id was from our own lawyers office ... when I explained that we did n't have that kind of money, he told me to just make the payment and that XXXX would refund us the money because they had missed the judgment. I contacted this other attorney, a XXXX XXXX, he confirmed everything that our lawyers office had just told me. He told me to go to a XXXX/money gram, to take care of this payment or again that I 'd be arrested and to sit in a jail for 30 days. I ended up borrowing {$800.00} from my best friends father, because I was extremely scared and being XXXX I was terrified of being put in jail. I went to a store here in town, in XXXX, CA, and called this attorney XXXX XXXX back so that he could give me the information to send the payment. I did this and gave him the reference number. He told me that the paperwork was going to be pulled and that I would n't be arrested. I tried calling XXXX back at XXXX XXXX, I got the recording that they were closed for the night. First thing Friday, XX/XX/XXXX, I called and tried to speak to XXXX XXXX, only to be told that he no longer works for the firm.. I spoke with XXXX XXXX, he does investigations into fraudulent cases, and that 's when we realized that we had been scammed big time, by someone, XXXX XXXX, that was pretending to work with our bankruptcy lawyers. He had answers for every question I threw at him in regards to our bankruptcy paperwork. After speaking with XXXX XXXX, I was told to file a police report and to file a claim with CFPB. I 've filed the police report and am just now filing a complaint with CFPB, due to issues with the website, which are now resolved. I do have receipts and the form, but I do n't know how to attach them.
I have tried twice to open a Checking account in the state of XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), Both times i have been declined in doing so. I have contacted XXXX XXXX and i was provided with the details that are on my file. My current bank ( since XXXX ) Banco Popular de Puerto Rico has put something on my file which says the following : Unpaid : {$0.00} Contribution Reason : " Transacting with an account in an unauthorized or prohibited manner ''. That makes absolutely no sense. 
I called my bank and told them the feedback i received and their answer was " there should be no reason why you should not be able to open an account ''. So i do not understand what my next move should be. 
I have never ever in my 32 years had a negative experience with any bank. Never had i once had a negative withdraw or very low balance in my account. I have had my Savings account with Banco Popular since XXXX. I use that account for everything and would like to open a checking account in XXXX because i am not living in XXXX XXXX at the moment. I could open a checking with Popular but i do not reside there.
XXXX XXXX, 2016 Re : CFPB case # : XXXX Dear XXXX XXXX ; Thank you for your recent correspondence. As you suggested, I have followed up with XXXX XXXX again and they said " they negotiated the check correctly '' Citibank cleared the check. It was the responsibility of Citibank to insure the check had the XXXX required signatures before clearing the check. Therefore, Citibank is responsible to replace the check. Please advise me on when I will receive this check to resolve this issue. 
Sincerely,
Fraudulent charges were made on my account, I have contacted the institution on a daily basis with no resolve
Good afternoon, my name is XXXX XXXX, I'm taking this opportunity to file this complaint against Bayview loan Sevicing, LLC. 
I had a mortgage with XXXX XXXX, which without my consent transferred it to Bayview.  Since then we are facing many problems with that Bank. From 1000 plus, we are paying more than 2000 dollars, and whomever we spoke, nothing has been done to lower our rate to the current one on the market. 
On XX/XX/2018, we have received a letter, which was a notice of default, for XXXX, that amount was paid in order to update the account. Even though, the bank has received all my payments, nothing has been done to update my account. 
I have a policy number XXXX, I purchased my own insurance and without my consent, Bayview loan went a paid my insurance in full. 
for those violations, I want my mortgage to be transferred back to XXXX XXXX. 
XXXX XXXX
On XXXX XXXX, I went to the Experian website to remove a freeze that I had previously placed on my credit report after XXXX got hacked. The number associated with that freeze is XXXX. I entered my debit card info for the {$10.00} charge to remove a freeze. Experian then charged my account XXXX separate times at {$10.00} each. I have been unable to get a response via phone ( interminable hold for an agent ) or via customersupport@experian.com.
Requested a copy of free report from TransUnion on XX/XX/XXXX ; report was to arrive on or before end of 15 business days. Report did not arrive within 15 business days on or before XX/XX/XXXX.

Called TransUnion on XX/XX/XXXX to report I never received my free credit report.

I was told my free credit report had been mailed and I should have received my copy.

TransUnion agreed to send second copy on XX/XX/XXXX and it would be delivered to my home address by no later than XX/XX/XXXX Did not receive my free copy of credit report by XX/XX/XXXX Tried to call TransUnion on XX/XX/XXXX. My phone calls were disconnected three times.
XXXX XXXX reported a hard inquiry to Experian Credit Bureau on XXXX/XXXX/15.
This Transworld account appeared in my credit report. This account is over 10 years old. Transworld bought it and reopened it. that was The last time there was activity on the account was back in 2007. Due to that length of time that last lasted, this should not appear on my credit report. XXXX  and XXXX  will not take it off.
I have a student checking acco unt with Fifth Third B ank that I have had since my freshman year of college. I have remained a college student since, without taking any time off. Without my knowledge, and without the bank notifying me, my student status had expired until I went into the bank with a student ID to prove I was still going to college. Since the bank no longer considered me a student, I was being charged $  XXXX  month  for having the account. This expired in  XXXX   XXXX , and I did not realize until  XXXX   XXXX , by which time I had been charged {$11.00} for 5 months. When I realized this, I went to the bank with my student ID to show them I was still a college student. They renewed my student status, but I was still unfairly charged with {$55.00} total. I called customer service to complain, and they replied that they could only refund {$11.00}. After further complaining to th e manager, I was refunded an additional {$19.00}. However, I am still down {$25.00} that was unfairly stolen from me . I was being charged even though I was a student the entire time. I am currently workin g 45 unpaid hours per week at a   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . While it is a very minimal amount for the bank , {$55.00} is a substanial amount of money to me since I do not currently have an income.
I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.
I had several credit cards that were through XXXX XXXX. I had been in good standing with these cards, paying every month over the balance due and even paid off all my cards. The problem : I got married in XX/XX/XXXX and my last name changed to XXXX. It does not seem to be a coincidence to me that as soon as my name changed this company closed all credit cards that I had through their bank. I did submit an earlier claim about my student loan company ruining my credit, but that had been fixed in XXXX. I have been working hard to rebuild my credit, but now since XXXX XXXX closed 3 of my accounts, it has further harmed my credit. I don't get it-I paid on time, over the amount and then paid off my cards and they cancel me??? I truly feel that I am being discriminated against since I had a name change. Although their letter states high balances ( my student loans-which last I checked a good portion of Americans have high student loan debt ), late payments ( because my student loan company posting 8 or so different entries ). I just don't think I have been treated fairly.
I am a identity theft victim yet Discover bank failed to protect victim and consumer which violated consumer right. Discover refused to accept identity theft report and filed a civil lawsuit against me. I urge cfpb report this to media and subject Discover bank to a penalty fines. The public media must know about this!
I have a car loan through XXXX XXXX. I recently realized they incorrectly reported me late for XXXX, XXXX, XXXX, XXXX and XXXX XXXX. I submitted a complaint and requested they correct their error. I enclosed the relevant payment history which shows I was never late. XXXX responded by adding 6 months of alleged late payments. My report now shows me being late for 10 months when I have never been late on the account. The first 4 were the result of XXXX not properly crediting my first payment. The addition of the last six months can only be defined as intentional harassment. I not only never went 30 days late on any payment I have paid more than required every month. I am most furious about the claim my account was late from XXXX through XX/XX/XXXX including a claim I was 60 days late in XXXX. I sincerely want to receive the {$1000.00} for each offense pursuant to FCRA. The letter I sent to the agencies and XXXX is attached as are the payment history from XXXX 's own website and a copy of the credit report submitted by XXXX. The original complaint and XXXX 's payment history show I was never late. Had XXXX properly recorded the first payment made XX/XX/XXXX there would be no issue.
I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX , XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX , XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX-XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX., XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX. XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX
TD Bank paid out {$420.00} when there was no money in my account. This cause on overdraft to the account. I finally got a settlement check for {$11000.00} to deposit, so I contact TD to confirm that there would be no issues with me depositing the money. I was told by customer service that as long as the check was brought in and deposited by Monday, XX/XX/XXXX there would be no problems. When I went to the branch on Sunday XX/XX/XXXX to deposit the check I re addressed the concern. I was told not to worry, that the account was good and no further action would be taken on the account now that the deposit check of {$11000.00} was there. I discovered on XX/XX/XXXX that my account was closed and after a full day of trying to figure out what was going on, I was informed that they closed the account, and after they did finally get the deposit cleared they would hold my funds until they di some sort of " investigation '' on the funds, after which they would cut me a check and mail it. I was then called and told that I could come in to get the check if I so chose to. But it would be held as a " cash item '' by the bank until they did this supposed " investigation ''. This money represents everything I had financially. Due to this situation they have created I will loose my home and my car because now I have no money at all to make any payments.
I received a voicemail message on XXXX XXXX, 2016. The message stated that the caller was calling in reference to a complaint pending against me in XXXX XXXX. The caller stated my name and left a call back number. The caller also contacted XXXX family members on this day leaving the same message. On XXXX/XXXX/2016 the caller contacted another family member with the same message and called me. I answered the call which was a recording and then called the call back number. Upon speaking to a male representative, I verified my name and asked to have my number and family member 's number 's removed from the call list. The representative stated that I was upset that the company had called my family and needed to stop running from the situation. I continued to insist that our numbers were removed and the representative hung up. I called back and spoke to another representative, XXXX XXXX. I again requested to have our phone numbers removed and was told that I was not able to do have them removed and that I was " not in control '' of the situation. The representative, XXXX XXXX, proceeded to tell me that I owed money that needed to be paid. I explained that I was aware of my rights to have my number and family members number removed. The representative became noticeably upset called me a " thief '' and hung up the phone.
There are 2 medical bills reporting with Aargon Agency Inc and I never was in the hospital in XXXX or XXXX XXXX but why are these people doing this? I never received anything from any doctor 's office of hospital for that matter. Please help me
My account was being closed by Chase because they site " continuing business with me creates repetitional risk '' A letter detailing this was mailed XX/XX/XXXX. Since then I have contacted Chase and all they say is that they don't have exact information regarding this and to contact the executive offices via FAX.

The account is due to close XX/XX/XXXX
I refinanced an existing home loan with Umpqua Bank in XXXX this year. Since then I have been on the phone for several hours trying to get my insurance and auto deposit set up correctly. In the last two weeks Umpqua has taken XXXX full mortgage payments from my checking account but not at the date they specified. My insurance company says that my balance with them is short {$60.00} but when I call Umpqua they tell me the account is fine.