WillisBack/dataset-financial-user-claim huggingface dataset:
I got a misunderstanding of my lone, when I was singing up to go school, i think they did n't explain the student lone well. I was unemployed at the time when I first started school. I was paying {$230.00} per month, did n't know that it was XXXX different types of loans I had to pay back, not until I graduate. After I finish school they did n't even get a job as they promises, so I when back to my old job, but I only could pay for a while until this is it, am not making as much money. I thought I was mislead in that lone transaction. Am a XXXX XXXX XXXX man with responsibilities.what good paying job could they get me to pay back the lone, when the course is only for couples of months, there 's so much to learn in automotive industry, am not a well educated. So I could n't get into any step program with any of those top end dealer company. For a person with out any mechanical background it 's hard to learn most things, hands on in XXXX months. Am not in any situation right now to pay back the lone.from i graduate school i do n't do anything auto mechanic work, i do n't remember mostly nothing that I have learned. Am hardly can survive, credit shot, need help.
I pulled a copy of my credit report, and discovered an accurate reporting from Ford Credit. The account number is listed as XXXX. Date opened : XX/XX/XXXX. Balanced owed : {$1200.00}. 
I contacted Ford Credit disputing the item and they sent me a form letter back stating that they did not have verification that I was not the person in question. I have also disputed this with the credit bureaus, and it comes back as verified. 
The account was opened on XX/XX/XXXX, and I was not of legal credit borrowing age until XX/XX/XXXX. My name is XXXX, and my credit report has alias names listed as " XXXX ''. Notice that the XXXX in XXXX is inaccurate, and the middle name is completely different. 
My credit report also lists my social security number as ending in XXXX, but has " social security number variations '' listed as ending in XXXX and XXXX. The ONLY social security number I have ends in XXXX. 
Not only is this a closed account listing on my credit report, but there is also a judgement listed against me for the same account through XXXX County. 

I would greatly appreciate that this company remove this information from my credit reports, as it belongs to someone else.
On XXXX XXXX, 2016 Regional Acceptance Corp, a subsidiary of BB & T Bank took monies in the amount {$390.00} from my personal checking account at XXXX XXXX XXXX ILLEGALLY, WITHOUT MY CONSENT OR KNOWLEDGE OR AUTHORIZATION and has refused to return the monies upon demand. It cause my bank account to become negative with bank fees!
In XXXX of 2017, I applied for ( thought I was applying for ) a credit card. When I filled out the necessary paperwork, I heard back from a representative from American Express right away. She ( the representative ) had informed me that I was approved for the American Express premier awards gold card. It was not adequately explained that I was getting a charge card and NOT a credit card, which is what I had applied for and asked her for. The representative did tell me at the end of our conversation that the card would need to be paid off, but I misunderstood ( again, thinking I was getting a credit card ). I assumed she was telling me it was prudent practice to pay off the card as soon as I received a statement. The cardmember agreement paperwork and the card I received in the mail made no mention of it being a charge card and not a credit card. It was n't until after I had received a few statements that I realized there was no minimum payment option. When I called American Express to inquire about this lack of option, it was only then that a representative explained to me that I actually had a charge card and not a credit card ... and explained the difference to me. I was told that the only way I could change this would be to reapply for another one of their cards. I 'd have to let them use my SSN ( again ) and run another credit check ... which slightly reduces my credit score each time. I was ignorant, but also taken advantage of. I 'm not pleased by this and after I 've made the necessary payments, I will be closing my charge card with American Express and seeking an actual credit card with another company.
I applied for the Chase Sapphire Preferred credit card on XX/XX/XXXX ( please see acceptance email ). The promotions for the card were for a bonus XXXX points if I spent {$4000.00} in the first 3 months and that the annual membership fee of {$95.00} was waived the first year ( please see Online Promotion page 2 and Pricing & Terms page 1 ). During the process of applying for the card I was never informed that I would not received this promotion. However, on XX/XX/XXXX I was charged the {$95.00} annual fee ( please see Billing Statement page 3 ). I contacted Chase soon after by telephone with my concern. I was told that this would be investigated and I would receive a letter in the mail with the results. 

On XX/XX/XXXX I received a letter from Chase that stated ( please see attached Chase Letter ) : " We have reviewed your account and have confirmed that the offer you applied for was XXXX points after you spend {$4000.00} on purchases in the first three months your account is open. This offer didn't include a {$95.00} annual fee waiver for the first year. The annual fee provides you with the many features and benefits associated with your card. We regret, we are unable to credit the fee. '' I feel that Chase either made a mistake with my account and I should be eligible for this promotion and would like the {$95.00} reimbursed. Or that Chase was deceptive in their advertising when it came to this product.
someone stole my identity and got a phone and its un fair this not me and i never had a phone with this company and i want it off my credit now, please removed this out my name.its a shame someone out here using my name.
Ascension Point keeps calling our # repeatedly, sometimes more than 10 times each day. This outfit is trying to contact us about my deceased mothers credit cards. We have done the research on this company, and they try to collect debt from families of the deceased. We have NEVER been a signer/co-signer of any type with her. My wife and I both work XXXX, so this is BEYOND annoying. This has been going on for better than 60 days now. Please help
Used my Bank of America account using XXXX to transfer {$400.00} on XX/XX/18 to a contact who shared phone number, email & full name with me. He confirmed receipt of money transfer and went missing. Bank of America can't help nor can XXXX. Would really appreciate my funds back especially since BofA sponsors XXXX transactions.
I am furious with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to XXXX XXXX when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed today!!!!
Enhanced Recovery claims to be collecting for XXXX XXXX XXXX. I know I do not owe that company any money. They have ignored my letter asking for validation and proof of the debt belonging to me.
On XX/XX/18, I received a letter dated XX/XX/18, amount owed of {$820.00} of time-barred debt & current creditor of XXXX XXXX XXXX XXXX. 

The debt is not mine. 

There is a XXXX numeral after my last name. They are attempting to collect debt on someone who shares the same name as me. It appears that the letter indicates that it will negatively affect my credit report. 

I responded with a certified letter, return receipt requested, instructing the company to stop contacting me and disassociate me from the debt on XX/XX/18.
Turing Point Solutions LLC has been calling daily, numerous times a day using Unknown and fake local phone numbers like, XXXX then leaving messages for a call back to XXXX. They have called my Mom, my Son and me on our cell phones repeatedly. 

XXXX XXXX, 2015 a TPS representative named XXXX called me and my mom XXXX times this morning. He called my mom 's cell XXXX times in row and then immediately called my cell phone XXXX times in a row. He is leaving messages to call referencing case XXXX, but the number of times this company is calling is abusive and today 's occurrence was clearly unacceptable. This is a form of harassment and bullying.
I have a hard inquiry that was conducted by CBCINNOVIS. I do n't know who this company is and I do n't recall requesting credit from this credit.
My purse was stolen from my car. I immediately went to Wells Fargo to cancel all accounts and set up all new account ( this was on Tuesday XXXX XXXX ). They assured me the criminals who stole my purse would n't be able to get into the new accounts. On Thursday XXXX XXXX, we saw deposits into my account and ran straight to bank. They say there are n't sure how they got the new account #. either the teller gave it to them or this group has someone working inside the bank to help them. Friday XXXX XXXX, my account is a negative XXXX. I will be leaving work early to go again try to figure this out.
i have attempted to take care of this matter with this company who has listed a fax number that is operating with the number XXXX it is listed with the XXXX and i have a confirmation of the fax that has been sent to them outlining my social / drivers license / police report / id theft affidavit in previous complaints this information has been attached but this company has ignored the documents via previous submissions to consumer financial protection bureau and their OWN fax number ... ... .... at this point i am very concerned with their denial of the documents that have been sent and will possibly be seeking an investigation into this matter.
On XX/XX/2017, I mailed a letter to Experian asking them to remove a XXXX XXXX XXXX XXXX account listed on my report that does not belong to me. I was added as an authorized user on this account without my knowledge and asked Experian to remove the account. The balance on this account is $ {$1900.00} with a high balance of {$2000.00}. 

The response I received stated that the account was verified and accurate and was not removed. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.
Hello I recently sent money to someone through PayPal and did not receive what was promised. Is there a way to get my money back after this scam? Anything helps! Thanks
Having problems with my bank Seterus over escrow account. I have called for several months complaining about the escrow balance with no luck. They have changed my monthly escrow payment monthly. I received another letter today. The bank admits they can only take an extra XXXX a year. Admitted in the letter, I was several XXXX dollars over that for the year. The letter then said I have a short fall again and are raising my escrow payment. I 've been told they have to refund overage anything over XXXX by federal law and I was approx. XXXX over for the year. I have spoken with the bank several times and despite the letters saying I 'm over the allowable amount of what they can keep they keep saying I have a shortage. I have asked for escrow history for past couple of years with nothing sent to me. Just new letters saying my escrow is changing again.
On  XXXX   XXXX ,  2017  ( overnight ), Check #  XXXX  in the amount of {$59.00} was processed through Bank of America  (  my checking account ). In RETALIATION TO MY PREVIOUS COMPLAINT against BOA, the bank is charging {$35.00} in fee 's because my BOA account was short of {$5.00}. I AM DISPUTING, BOA fee 's assessed in the amount of {$35.00} for Check #  XXXX . Today is  XXXX   XXXX ,  2017 , I have until  XXXX  today, to deposit the shortage of {$5.00} into my account. And, I am also DISPUTING , BOA 's  REFUSAL, to REFUND my {$70.00} for fee 's erroneously assessed to my checking account for the following check # 's on  XXXX   XXXX ,  2017  : Check # :  XXXX  in the amount of {$62.00} ; and Check # :  XXXX  in the amount of {$55.00}. I deposited the shortage of monies for these check 's in my checking account before  XXXX  on  XXXX   XXXX ,  2017 . How ever, BOA repre sentative REFUSED to acknowledge my deposited monies before  XXXX  on  XXXX   XXXX ,  2017 . I have my deposit sli p ( s ) to sho w that the necessary monies was deposited prior to the  XXXX  cut off. I am a VERY DISSATISFIED CUSTOMER for the ongoing practiced RETALIATION by Bank of America. I am requesting, ALL of my monies back for improperly assessed fee 's charged.   XXXX   @  XXXX .
This debt collector has placed this item on my credit file. I was never notified of the debt. We have XXXX different insurances. XXXX, XXXX and XXXX for life. We do not get medical bills. If there had been written notification we could have contacted the insurance companies about this. Usually this is a missed issue by the medical facility that billed.
On XXXX XXXX of this year, I filed for Chapter XXXX Bankruptcy relief, and included a {$1500.00} debt from Texas XXXX University, which I incurred from dropping courses after the withdrawal date. This debt was appropriately included in my Chapter XXXX schedule F, and discharged by the presiding judge on XXXX the XXXX. Today, XXXX the XXXX, I received an alert via my credit monitoring service informing me that I now have a collection on my XXXX report from the Williams and Fudge agency for a {$1900.00} debt to Texas XXXX University. I was unable to attain auto financing due to this open collection with a high reported balance. My XXXX score dropped XXXX points once this collection account was added. I placed a phone call, left a voicemail, sent an email with attached copies of my Chapter XXXX petition, schedules, and discharge to Williams and Fudge. I also sent a dispute along with all of my BK documents XXXX. Now I have to wait a month or so for this inaccuracy to be investigated. This school debt comprised one of the largest balances of any of my debts, and was a significant factor in my decision to file for bankruptcy. My credit report has rightfully suffered from the bankruptcy filing. I should not be further penalized by having collections reported on debts that were discharged in the case. I advise anyone who files for bankruptcy to keep diligent records of every debt, payment history, and communication with your creditors. Receiving a bankruptcy discharge does not mean your case is over or that you wo n't be hit with attempts to collect your debt at a later date. Sadly, a collection agency can inflict serious damage upon your credit report overnight, while it will take you a month or more to dispute, verify, and defend your credit score when inaccuracies are reported.
This collection agency reported XXXX seperate negative accounts, to my XXXX credit report. I have no knowledge or records of such debt. I sent the collection agency a certified letter, requesting validation of the alleged debt, on XXXX/XXXX/2016, to the address reported as Agency Address on my credit report. The letter was returned back to me, as an undeliverable address. I 've also tried contacting by the phone number also included on my credit report, but the line just rings nonstop, never being answered. I contacted the original creditor, XXXX Hospital XXXX, on XXXX/XXXX/2016, trying to figure out any information for these accounts. I spoke with XXXX in the billing department, and she informed me that I have no such accounts or balance amounts, being reported by the collection agency, in their records. She also informed me that National Service Bureau XXXX has never been used for their collection services in general.
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by Chase credit card company. I called the Chase credit card company and chase did not comply with my actions. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

The inquiries on my credit XXXX report : XX/XX/2018, XX/XX/2018, XX/XX/2018
On XX/XX/2018 a hard inquiry was reported on my credit report from an unfamiliar bank I don't have an account with. After contacting the bank, they confirmed a credit card was applied for using my information. This was not done by me.
Bank of America wants me to notarize home modification papers for the 6th time. I informed BOA customer service and customer representative to resolve matter, to send me written letter on how to resolve matter. I asked if I could record phone conversation and was told " NO ''. So I ask of them to send written letter of resolution to solve problem specifically to state that this would be the last time that I would have to notarize modification papers. Waiting on resolution letter from BOA.
I have 5 accounts that are on my credit file that are due to identity theft and I have sent equifax the proper documents and they still will not remove the accounts. They told me that they cant remove them.
XXXX charge on my account was paid on XXXX/XXXX/2014 but is still open on my credit report.
I am a XXXX veteran who opened a business as an XXXX in XXXX. In XX/XX/XXXX, a card from XXXX XXXX was opened in my business name. I was aware that an offer was being made to open up an account with them, however, the partners never agreed to move forward in doing so. In XX/XX/XXXX I noticed that several purchases was made through XXXX XXXX. 

I was informed that this account was opened in my name via over the phone. I terminated all cards that came with the agreement and called XXXX XXXX to informed them to send me a copies of a signature to see who authorized the account. I never received any confirmation from them with such documents. 

I never received any statements after XXXX because we moved the business and changed our mail box account. My name was taken off of the business in XXXX because of my weakened health conditions of my XXXX. Received complaint in the mail on XXXX XXXX. Need to respond to amended complaint in next 20 days. We do not agree to the amount that is owed ( {$7000.00} ). We will be responsible for {$2500.00} at the most. What can I do since I ca n't represent myself in this matter. I have no funds to contribute to this because I have utilized everything I save up to start up my business. I filed a motion to dismiss for lack of standing and supporting memorandum in which it was denied on XXXX XXXX, XXXX counts 1 & 2 was dismissed but the judge is holding me on counts 3 & 4 which includes the account stated documents.
A complaint was filed against on XX/XX/2018 against this company, the company responded on XX/XX/2018 and said ( see below ) they have requested to delete the account from Credit Bureau. 
As of today, the collection is still on the report and credit bureau said they have not received any notices form SOURCE RECEIVABLES Management to remove the collection. I have also disputed the collection account with credit bureau and they submitted my dispute to SOURCE RECEIVABLES Management but SOURCE RECEIVABLES Management affirmed the collection being valid.

************************************************************************ XXXX Company responded STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation We have received and reviewed the consumer complaint claiming that this account is fraudulent and therefore he is not liable for the debt we have reported to the consumer reporting agencies, and requests deletion from such agencies.
On X/XX/2017, I discovered 2 unauthorized charges on my PayPal account, which is connected to both my bank and credit card. My PayPal account had 2 unauthorized charges to XXXX and XXXX respectively. Although XXXX and XXXX both confirmed to me that these transactions were made under a fraudulent account, they were unable to release any further information, except XXXX provided that the name on the account was " XXXX ''. I do not know anyone by that name. 

Because I had previously connected my PayPal account to my XXXX and XXXX apps, these merchants were considered to be " pre-approved ''. It allows transactions to be made without any further verification and this is how they were made without my knowledge. 

I relayed this to PayPal multiple times, but it has been difficult to receive any kind of personalized response. I do n't expect a formal letter, but none of their email and messages address what I say that may even help them in their investigation. In the end, they closed my claims stating that these charges were authorized because of the pre-approval. 

Now I am trying to close and remove all my payment methods from PayPal, but I keep receiving errors saying that it ca n't be done. Trying to talk to a real person at PayPal has been a nightmare. 

I have since resolved the disputes with my bank and credit card company, but I am worried PayPal will try to push the transactions through again.
On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
XXXX XXXX XXXX Account Vice President Ms.XXXX XXXX has sent Experian, XXXX, XXXX and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX XXXX XXXX information ,XXXX  XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX  direct number XXXXand fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX Lifetime, Retired and a US XXXX Honorable Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!