WillisBack/dataset-financial-user-claim huggingface dataset:
I called this Revenue Recovery to ask for an itemized statement for a large medical bill I do not remember, I assumed it was a previous collection agency handling one of my other medical bills. They agreed to send it in the mail. I am trying to see if the VA will help me pay for any of the debt since I was n't close enough to a VA facility at the time. I agreed to make payments definitely, and told them it would be in various amounts and frequently throughout the month since I would pay with income from my employment and VA compensation. 2 days later, I have a new collections account on my credit report that just showed up. My credit score drops XXXX points and I find this extremely unfair to do period, especially 2 days after I contact them for verbal agreement. The only statement I have does not have my apartment number on it and that is why I told them I may have not been getting any other letters from their company. I 'm in a better place financially and am now able to pay on all of my debts simultaneously, I go about doing it and end up with this. There has to be some way to undo this. I am calling tomorrow morning and speaking with a supervisor. I have attached what I just found to be the original creditor ( the hospital ) on my credit report under the " Collections Removed '' portion. They are listed there twice. Duplicated, same name and amount of {$640.00} I know nothing about. Why was this there then removed? And who removed this? This is why I asked for the itemized statement, to verify amounts for instances like this.
I am one of many young Americans who are in great school debt. I can not get ahead in life due to my debt. My payments are too high, I even went to a state school. Navient will not and never has offered an income based repayment plan. My federal government loan through XXXX has, but it is my smallest loan. My credit is ruined, I can not afford a new car for my XXXX son to ride safely in. On top of this all I am harassed daily by Navient. I made it clear I can not afford what they want from me while trying to pay for necessities to live.
I called said company regarding the multiple inquiries on my credit report and i was told to contact the credit bureaus regarding this issue that they could not do anything regarding this
Teller made a mistake depositing into wrong account. Deposit was made into joint account with my brother instead of joint account of me and my wife. The deposit was transferred to the correct account. For privacy issue with showing large account of deposit, I requested to remove incorrect deposit from the history and next statement under the wrong account. My request was not honored.
I applied for a credit card from Capital One XXXX the Capital One XXXX XXXX online on XXXX/XXXX/15 and was instantly approved. On XXXX/XXXX/15 I received XXXX a letter in the mail ( dated XXXX ) saying that I had been approved for the card and, in a separate letter, the card. 

I called into activate the card and was then told that my card had been closed because of " fraud ''. They would not tell me what the reason is or give me any more details and after spending hours trying to find an answer was finally told by a supervisor that their fraud team had spoken to someone on XXXX/XXXX/15, and that the person told them he/she had not applied for the card. They would not give me any more details, such as who they allegedly contacted or why they called that person when I had n't even received or activated my card yet. Of course I was never contacted by Capital One, only gave my contact information in the application and did apply for the card. There was no fraud involved in my application and if they claim there is I believe I should be informed of the circumstances. Applying for the card affected my credit score and negatively impacts my ability to get credit generally. I applied for a card, was told I was approved for it ( and indeed received it ) and then had my account shut down without any explanation before I could even activate it. I feel misled as a consumer and am extremely upset by the lack of transparency by Capital One, especially in a potential fraud situation.
This account was open as a result of identity theft. i have never had an account with XXXX or Pinnacle Credit Service. I have also sent XXXX Affidavits to both Pinnacle Credit Service and to all XXXX credit agencies who stated that Pinnacle stated that they verified that this debt belong to me. How did they verify debt with the credit agencies but have not verify the debt with me?
This account has been disputed time and time again. I have submitted undisputable proof where the company that they made errors with my documentation. I lost a sale of my property due to them making an error in my processing. The credit reporting agency still has not had this removed from my file. they keep stating that is account is verified as is. But with me showing proof of their negligence it should not remain on my credit file. I also have proof where they removed the account from credit file and had it placed back on by changing the date.
A letter was received from ERC in XXXX Florida stating that XXXX XXXX owed {$770.00} for XXXX when in fact he has never ever had XXXX for a telephone company.
My name is XXXX XXXX, I 'm a resident of XXXX XXXX, XXXX where we were effected by the Hurricane, I called Ditech Financial for a forbearance help which I believe it 's the Law and they refused to help, saying our county was not recognized as federally disaster area, Which is Totally false. Please help me as I am overwhelmed with Repaires and I could really use this forbearance help to catch up. 
You can contact me at XXXX
In a previous dispute with XXXX XXXX XXXX. I petitioned Equifax for an incorrect derrogative in my credit reporting, the dispute was returned via USPS mail on XX/XX/XXXX that the debt was verified, but I was also asked to send my updated Credentials Address, Social Security #. In this same investigative letter I was informed that if I needed proof of original agreement that I would need to contact the creditor directly. In a letter written requesting validation to XXXX  of said debt I was told the debt was sold. My grounds for this complaint is the XXXX XXXX Opinion letter, written on XX/XX/XXXX by the UNITED STATES OF AMERICA FEDERAL TRADE COMMISION. I never recieved verification of the debt from XXXX.
I am a consumer with Bofa and my security is at risk on public WiFi I want to use VPN ( virtual private network ) on my online banking account I never had this problem for 2 years for using online banking after one update I just stopped I put a complaint with the XXXX ( XXXX XXXX XXXX ) and they were being very rude with me on the phone when I use VPN for security of my account with BofA I told them that VPN is A virtual private network ( VPN ) is a technology that creates a safe and encrypted connection over a less secure network, such as the internet. VPN technology was developed as a way to allow remote users and branch offices to securely access corporate applications and other resources. I told BofA to fix the issue and its still going on with other consumers that go to coffee shops with laptops on public wifi and the bank refuse to fix the bug for our own security while on public wifi.
I am filing a complaint on Ocwen Mortgage. On XX/XX/XXXX my ex-husband, husband at the time, and I purchased a home through XXXX XXXX for {$70000.00}. On XX/XX/XXXX we sign paperwork to sale the home with assumption through a lawyer to someone else for {$67000.00}. We asked the attorney at the time if we would still be financially obligated on the home and he stated that this would release us from financial obligations. XX/XX/XXXX, I found this company, Ocwen Loan Services, on my credit report. Since I never heard of the company I thought I would give them a call. I spoke with XXXX XXXX, Agent ID # XXXX, who told me that I was not authorized on the account. When I told her that they were on my credit report which gave me authorization on the account, she asked for some personal information to confirm my identity. She was then able to find my name in there system along with my ex-husband. XXXX XXXX stated that we were still financially responsible for this home/loan. She could not explain to me why we were still on the account, so I requested someone who could. I was then transferred to XXXX XXXX, XXXX ID # XXXX, Escalation Manager. XXXX XXXX researched the paperwork and stated that she did not know if the assumption was completed or not, but she did find the assumption paperwork and did not know what type of assumption it was. I asked XXXX XXXX why my ex-husband and I were still on the account when he nor I had no knowledge of it. I also stated to XXXX XXXX that even if we were still financially obligated, unbeknown to us, our financial obligation would have ended in 30 years, since it was a 30 year mortgage. Therefore I wanted to know why this information was showing up on our credit report after 30 years when it never showed up before now ( Of course when I informed my ex-husband about the account, he had no knowledge of it. He then checked his credit reports and found the Ocwen Loan Services were on his credit reports as well ). Our 30 years would have ended in XX/XX/XXXX according to our initial mortgage note. Therefore why is it showing up after all these years for the first time in XX/XX/XXXX. Since we sold the house with assumption in XX/XX/XXXX according to our paperwork, why is it showing up on our credit report with a balance of over {$43000.00}. We never signed anything other then the Sale with Assumption in XX/XX/XXXX. XXXX XXXX stated she did not know what was going on w this assumption and she would have to send the paperwork to the Loan Department for them to review and they would get back to me. Currently I 'm still waiting. If there is anything we can do to clarify this issue, please let us know. Whenever we talk to the company we always get a different person and end up with the same conclusion, no one knows what 's going on with this assumption and we are not authorized on the account. But we are still financially responsible for this loan according to Ocwen Loan Services.
I received a loan for a used XXXX in XXXX with Santander for around $ XXXX. It was a joint account with my XXXX that co-signed. My XXXX and I were splitting the payments. I had the car for XXXX of years before I decided I would like to trade it in for a different vehicle to work on lowering my monthly payments. When I went to trade the car in for a new car the dealer ran the report and found out the car had a XXXX XXXX and was worth {$0.00} on a trade in. When I bought the car, this was not disclosed to me nor on the sales receipt or paperwork. I was unaware of the XXXX XXXX at time of purchase, again it was not disclosed in anyway. After I found this out I went back to the original dealer that sold it to me, but they were out of business. Makes sense as I believed I was scammed and wanted retribution for the bogus sale. Since that was a dead end, I called and talked to the loan company Santander to see what could be done about them giving me a $ XXXX loan on a car with a bad title, but didnt get anywhere with that and of course they said there was nothing than can do for me. after that, I contacted multiple XXXX, but it didnt get anywhere since the dealership was no longer in business and could not be found. During all of this my XXXX became XXXX and XXXX XXXX. I was on my own with the car and payments. Up to this point we have been paying on a car for XXXX plus years that in retrospect is n't worth a penny. Since the car was not worth a dime. I could not trade it in, failed attempts to sell it because of the title, and not being able to afford it without my XXXX around I had no choice but to let Santander come and take it in XXXX. I should have surrendered it, but I didnt, I do n't know if that would have made a difference. Surrendering the car was unfortunate as I had made enough payments to cover the cost of the car and then some. All that was left to pay was the interest. I was a victim of a scam or fraud. Paying over $ XXXX for a car that was worthless with a bad title. I have the origianl bill of sale that has no mention of a XXXX XXXX It is not currently in my possession but can be submitted at a later time if needed. Santander should never have approved a loan for over $ XXXX on a car that is not worth anything with a bad title and not informing me. I would have never went through with this purchase, I am a victim of a scam and bad business.
OnXX/XX/XXXX, an online order was placed with XXXX XXXX for movies. I used my American Express card for payment. On or about XX/XX/XXXX, a neighbor indicated returned items in open box with two movies were left at her door. On XX/XX/XXXX, I called XXXX XXXX  customer service reporting not receiving stolen items and tampered items in box. The call was recorded as evidence. XXXX XXXX own documents support stolen items indicating " left with woman '' and it should be noted at a wrong address. See attached XXXX XXXX  documents. On XX/XX/XXXX, I called American Express to dispute charges. See attached letter datedXX/XX/XXXX OnXX/XX/XXXX, I returned two movies and reported stolen items to XXXX XXXX  store employee. I also showed as evidence tampered box. See attached receipts and XXXX XXXX documents. OnXX/XX/XXXX, I received American Express response with documents from XXXX XXXX supporting my position of stolen items to unknown woman and delivered to wrong address. On XX/XX/XXXX, I spoke with XXXX from American Express. I indicated to him of the wrong address and delivery to unknown woman. I also indicated I never received my order from XXXX XXXX. XXXX refused to dispute the charges and indicated my charges would not be credited. XXXX  also refused to credit the returned items showing XXXX XXXX had received the returned items. He advised me regardless I would have to pay the total charges.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

Also it appears they are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior, as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I had an ACH automatic payment that appeared on my account on Monday XXXX/XXXX/2016 in the amount of {$450.00}. When I checked my account that transaction had NOT posted to my account and was pending. I went to the bank and made a CASH deposit to cover the check. Both would have posted during the nightly update. I talked to two different employees and recorded two different answers. The supervisor I spoke with was XXXX XXXX who would not give her ID number. As you can see by the attached picture I have a {$0.00} balance which included the {$450.00} deposit. This is with ALL pending items.
Caliber Home Loans charged excessive fees when i refinanced the loan. After a painful and long waiting resolution for the arrears i was able to cure the default and pay the loan with another loan. I do not quite understand what they charged in the escrow balance. I do not have a break down of the charges and fees or an explanation. In addition Caliber Home Loans sent XXXX different pay off to escrow .I signed documents in escrow based on the pay off for XXXX XXXX and on XXXX XXXX Caliber Home loans faxed another pay off to escrow .I signed escrow and Title documents based on the XXXX XXXX pay off .I am still waiting for an explanation. It is not clear they pay the property taxes twice or what they charge in the escrow balance. I need a break down of the charges and fees in the escrow balance.
Hunter Warfiled, Inc. has been trying to collect a debt since 2013 that I do not owe. They 've threaten to sue me without providing the proper documentation that I 've requested multiple times. I 've repeatedly sent letters of validation, and they failed to provide original documentation such as an original contract between me and the creditor time and time again. They removed the debt from my credit report but was re-instated and no notice was provided to me within the required time. Due to this my score has gone down dramatically. I also noticed that the " amount owed '' has increased as well which makes me doubt that this debt is even legitimate. It could be interest which I do n't even know if they are allowed to charge it?? I also believe that this could be a consequence from ID theft that occurred to me years ago. If this debt can not be validated I would like for it to be removed from my credit report.
XXXX XXXX, XXXX I would like to file a complaint against US.bank, who sold the property to a third property, but when the home was foreclosed, I did n't find out that USbank had any interest until I received an unlawful detainer and USbank was at the top of the list. When the home was foreclosed, it did n't sell at auction, and reverted back to the bank, but nobody would say which bank. When I received the unlawful detainer, I immediately went to a local branch located @ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I spoke with the branch manger ( XXXX XXXX ) on several occasions from XXXX XXXX, until as recent as XXXX XXXX and while I was there he would call the back office, and USbank would never acknowledge ownership, nor could they identify me by account number, address, or social security number, yet the third party speculator claims they purchased the property from them. I went to XXXX to help me through the process and on paper it was made look like US.Bank was the highest bidder, but that 's not the case, it reverted back to the bank, and I recently have documentation from XX/XX/XXXX ( Enclosed ) where USbank is affixed at the top of the list. I would like to discover why they could never identify me, and banks are allowed to play this game of keep away from distressed homeowners trying to reach out to save their properties. I am contending that USbank sold a property that they had no right to sell, they know that and if I just give up, they win. I want this investigated ; I should at least be given the right to a jury trial.
This is pursuant to the companies response stating we did not provide evidence that the vehicle is a lower model than that was on the paperwork. The paperwork and price is based on a 2015 XXXX XXXX XXXX. The actual vehicle is the 2015 XXXX XXXX. The lower model is of much lower value. 

Complaint # XXXX We have recieved the actual MSRP document from XXXX XXXX, of the exact vehicle we have, with VIN number. Which is not what was stated to XXXX XXXX, and also presented to her on a fake XXXX report.
Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below. 
XXXX - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information XXXX - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try  again later. " ..occurs AFTER providing personal information and accepting terms of use Experian - Page fails to load : https : //www.experian.com/XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action. 

Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.
On the first week of XX/XX/XXXX at my XXXX XXXX ( XXXX county, CA ), I tried to log on my Bank of America account via internet provided by XXXX. 
The site would not let me log online unless I answered the following questions first as they were shown on a new window that popped up : 1. Do you have double nationality 2. Are you an agent?

I was concerned and by innocence answered both questions with NO. Thereafter I could access my account information.

I log off and then tried to log on my Bank of America account again and a window appeared saying that I did not have a double nationality.

I could continue then checking my accounts information. 
This seemed to me as an attempt to gain access to my B of A account data and after some time to reflect I decided to call the Bank of America Legal Services or other proper assistance. I definitively waited too long of a time to take this action, probably a mistake. 
On XX/XX/XXXX, I called Bank of America Privacy Office ( XXXX XXXX ), and they advised that this questions were not generated by the Bank of America. 
On the same day I spoke to a bank Associate ( XXXX ) in the XXXX XXXX Branch ( XXXX County, CA ), and she also commented that she did not believe this questions showing up during my attempt to log on my online account were generated by the Bank of America. 
I am in the process of closing my checking/savings accounts with the XXXX XXXX Bank of America. 
MY concern is that there was never any contact or follow up from Bank Of America concerning the incident and it seemed somewhat negligent to me.
Nationwide Acceptance 's website says I owe a certain amount of money significantly less than my monthly payment. They acknowledge their website is wrong and says it does not calculate interest correctly when overpaying the monthly loan amount. Then the debt collection phone calls started, where 80 % of the calls came from blocked numbers ( says No Caller ID ). I have been hung up on and told the phone calls will not stopped. Additionally, when trying to resolve the issues and be current, I called two days before the next payment was due to fix the issue and they choose to only disclose the amount I owed for one month instead of two ( due to their errors on the website ). Later, still trying to fix the problem and be current, I was told there were little notes on the discussion and I was mistaken. When talking to an actual branch in Nevada ( different from their collections office located in Illinois who never returned my call ), when I told them about the blocked calls they denied ever doing it and their legal team is big and welcome complaints.