WillisBack/dataset-financial-user-claim huggingface dataset:
This is compliant in regards to debt collection for a balance from a XXXX XXXX. The XXXX agreement was processed on XXXX service charges Everything Data {$19.00} Premium Data {$10.00}. Total estimated monthly service charge $ XXXX have attached the contract. 
From XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge the {$10.00} Premium Data Fee over and above my monthly service charge. Please see attached sample of XXXX of the monthly billingFrom XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge {$99.00} a month for the monthly service charge. Please see attached sample of XXXX of the monthly billings. 
I was also charge late fees over the course of the billing period, please take note that when a consumer signs up for a certain amount ever month and you bill {$80.00} dollars above that every month the consumer may find it difficult to pay that bill. 
Also I would like a refund for the early cancelation of contract because the contract was never establish or maintain at the rate agreed upon.
This company keeps informing me that I have a loan with them when they have not been able to verify that I do. They have not attempted to speak with me in reference to any of these loans. They are calling themselves by two different company names. I am so abused and exploited right now. Please help me I have XXXX and XXXX XXXX and I am loosing sleep because of this. 
XXXX CREDITOR : SPEEDY CASH ( XXXX ) CASE NO : XXXX Attention AMOUNT OUTSTANDING : {$840.00} This Proceeding issued on you Docket No : - XXXX with one of XXXX XXXX. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of THE XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



We have sent you this warning notification about legal proceedings on XX/XX/2015 but you failed to respond on time now its high time if you failed to respond in next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$3400.00} and will be totally levied upon you and that would be excluding your attorney charges. 



Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 



This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO SETTLEMENT DEPARTMENT : - XXXX Sincerely, XXXX XXXX Accounting Department Speedy Cash ( XXXX ) Washington DC
I sent money to my mother 's account, from XXXX to XXXX, and she never received it. This happened more than 2 months ago and Citi Bank still " ca n't find my money '' and is not giving my money back.
Medical bill in a payment arrangement. Was sent incorrectly to collections by original creditor. Called & let them know I was in a payment arrangement & it was mistakenly sent to collections. Original creditor corrected on XXXX/XXXX/XXXX, report was sent to collection agency XXXX/XXXX/XXXX & I received another letter on XXXX/XXXX/XXXX. I called the collection agency XXXX/XXXX/XXXX & they said I still had an active account in collections.
There is an account reported on my credit report by XXXX XXXX that I do not recognize. I have never received any statements from them for this account and it says it was " charged off or collection ''. Also, I have never received any letters from collection agencies for XXXX XXXX with this account number.
XXXX XXXX XXXX is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy. 
They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you
On XXXX XXXX, 2015 I received a notice from EXQUIFAX stating the following : " As you requested, we successfully placed an initial fraud alert on your EQUIFAX credit line. " I HAVE NEVER requested EQUIFAX or any other bureau to place any such fraud alert on my report ( s ). By what right have they do even allege such a thing without my requesting it to be done?
I was not working during the summer and I could not make payments on all of my loans ( I have three different loans with XXXX ). I did make payments on the smaller ones, to make sure not all loans were late, but I did n't make the payment for the month of XXXX and XXXX on my {$170.00} loan. I called XXXX several times to make sure they would know of my situation. I was told several times that as long as I did n't fall behind my payments for longer then 90 days they would not report to credit agencies. I did my best, I did what I could do to keep my account in good standards. I called XXXX to make a payment arrangement of {$450.00} for a few days before they said my account would be reported to major credit agencies, on XX/XX/XXXX. Today I received an email from XXXX XXXX saying that my score has gone down and that I fell behind my payment. I am extremely unhappy and upset. During the summer I was driving XXXX and XXXX to make sure I would take care of these payments but XXXX did not keep their promise and Inow have a negative on my credit report. Is there something I can do to update my credit score? Can XXXX fix this problem? All these arrangements were done over the phone and I now know that whenever I arrange something I should email them.
I have been Negotiating the Short Sale with 1 point of contact for since XX/XX/2018 and on XX/XX/2018 I was asked to resubmit the Entire Short Sale packet which was confirmed received. I have been calling for the last 2-3 weeks and speaking with different individuals who never once mentioned that the Short Sale was closed out until today XX/XX/18. also, they have filed for a Foreclosure Sale date on XX/XX/2018. The reason SLS States that it was closed out was that they could not verify the Successor in Interest ( letter attached ) which makes absolutely no sense since they were provided with the Letters of Testate from the Probate Courts on the XX/XX/XXXX. What shocks me is that nothing was ever mentioned until today. I'm sure that if I re-submitted the paperwork they would tell me that it was too close to the sale date and nothing could be done. Also, the Probate Administrator ( Successor ) filed a complaint with the CFPB about the Valuation being Incorrect and requesting an appraisal as oppose to a Brokers Opinion of Value. ( see Complaint # XXXX ). Nothing was done other than waste time intentionally. I verified with the home owner and they stated that they spoke with CFBP and were told that the lender hadn't responded and they could not help her. This seems like a Huge Scam on the Part of XXXX. I requested a copy of the Denial Letter that was only mentioned to me today and as the point of contact I think a simple Email or Phone call regarding the denial would have been helpful back when it was submitted. The letter is Dated XX/XX/2018. I am going to have an attorney step in to put things in order with this Lender. SLS had recently changed over to a different system so they mention but that is no excuse to what seems to be Deliberately stringing this along in order to foreclose on the property. Be very wary with Specialized Loan Servicing as they are not conducting Business Fairly and all should be able to see this complaint and use it as a reference when dealing with SLS. I'm certain they will do the same and not respond to this complaint like they did with the other complaint attached.
I read about Simple online banking ( XXXX ) in the XXXX and was excited to set up an account. 

I opened an account and transferred {$2000.00} into it from my XXXX XXXX checking account on XXXX XXXX. After transferring funds into the account I received a message stating that my account had been frozen since they " could n't identify me. '' At this point, I was told that I had to supply a copy of my social security card in order to gain access to my account. During the month of XXXX, I moved into a new apartment, and I discovered my social security card was missing. 

I received one followup message from Simple, and then on XXXX XXXX I was told my account was closed. When I called into Simple customer service to ask where my funds were and to see if there was a workaround for not having my social security card, I was assured that I would n't need to produce my social security card and that the check would be mailed. On 4 or 5 occasions in XXXX, I called to check on the status of the check, each time being advised by Simple customer service that the " check was on the way. '' On XXXX XXXX, I called again to inquire about the status of my check and was told that the account had actually not been closed and that I still needed to provide my social security card to release the funds. I spoke with a manager who told me that, despite the fact it was Simple 's error in telling me my funds were on their way back to me, that I would still need to produce a social security card. She also advised that this is not the first time that this issue has come up with other Simple customers. 

On XXXX XXXX, I provided copies of my Social Security card and the other required documentation. I called on XXXX XXXX and today ( XXXX XXXX ) and have been told that my account is still under the " review process '' by another team at Simple. When asked if it could be escalated ( since my funds have now been frozen for 2 months ) I was told that it was n't possible.
I disputed this collection and it was removed from credit history on XX/XX/XXXX. I have received a letter dated XX/XX/XXXX attempting to collect the same debt for the same amount again.
I have a mortgage and I requested a modification that was approved in XXXX 2015. I am filing a complaint because I believe that the terms are unfair and put me in a worse off position than I was. The terms are for 40 years and there is a huge deferred balance that is not explained that is due at the end of the loan. I am was not behind {$83000.00} which is the deferred amount. What is this, how was it calculated and how am I supposed to pay this new loan for 40 years.
Identity theft. Someone opened up XXXX XXXX XXXX online XXXX using my name, social security # and fraudulent home address on XXXX/XXXX/2016. My ID XXXX notified me of issue and I called XXXX XXXX to notify on XXXX/XXXX/2016. XXXX XXXX closed account on XXXX/XXXX/2016 but has refused to send letter to me detailing fraud. Report from Chex systems lists incorrect address in XXXX Tx ( Fraud ) and incorrect consumer inquiry. Chex Systems states that they can not remove the incorrect information unless XXXX XXXX contacts them and notifies them of fraud activity and instructs them to remove. XXXX XXXX refuses to do so.
I have a paid XXXX XXXX reporting on my credit file that should have never become a XXXX, as it was paid prior to being placed in XXXX status. I have disputed this reporting with the other two credit reporting agencies and after investigating, they ( XXXX and XXXX ) both removed the inaccurate information. I sent a total of for letters to Equifax, certified with return receipts requesting this inaccurate " paid XXXX XXXX '' be removed from my credit file. After the first two letters, they responded stating the information was correctly reporting. On the third and fourth letter, they stated XXXX confirmed the XXXX XXXX was in fact reporting correctly. In my letters, I clearly referenced section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Specifically, their obligation to physically verify through through signed documents from the original creditor that validity of this XXXX ; not another reporting agency like XXXX. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. After almost four months and four letters later, they are still in violation of the FCRA.
I was added as cosigner on a student loan through   XXXX    XXXX   XXXX  in  XXXX . When I fiiled out my portion of the paper work I adde d three stipulations for the loan : 1 Interest would be paid during school to avoid a Higher amount of principle at the end of school. 2 I be notified if the loan payment is late. 3 do   not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX    XXXX  took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  XXXX   XXXX   XXXX  and then   National Collegiate Trust.    The  loan is serviced by  American Education Services a nd despite 11 years of attempting to resolve the fraud with AES I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in  XXXX  and  XXXX  and Inspector Generals in both states as well. My credit is still effected. NCT and  AES are  the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit  held hostage  or give in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan )  Issue Getting a loan : Qualify for a better loan than offered
XXXX XXXX XXXX XXXX reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter XXXX filing that has discharged since XX/XX/2015 ( case XXXX ). I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter XXXX and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter XXXX.
The money {$1700.00} AFNI is co llecting is for an   XXXX   account which was opened under my name which is beyond my knowledge. In short, I was a victim of identity theft. I was not physically present nor have I made any  XXXX  account changes from  XXXX  until early  XXXX .
On XX/XX/2018, I called the Citi Card customer service line to inquire if a payment had been made on my account. The automated system said my account had been closed and a payment of the balance of {$7800.00} ( and change ) paid. I did initiate the payoff, but have not requested by phone or mail for my account to be closed. 

On XX/XX/2018 I called the customer service line and requested to speak to a representative to have my account reinstated. I was told the account was closed by my request over the phone, but they could not provide proof of the automated or recorded call. The representative said the notes were confusing and they would have to get a second level supervisor to review. I stated I had not requested my account be closed and I wanted it reopened. He said they would research and get back to me, they may have to pull my credit to reopen. 

Today, XX/XX/2018, I received a letter saying the balance has been paid and my card closed. Again, I wanted the card left open and not closed. 

I am have been working to rebuild my credit and am concerned on how this closure will negatively impact my credit score. 

Please advise if you need more details. 

Thank you, XXXX XXXX
XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with XXXX XXXX XXXX and XXXX XXXX XXXX with XXXX XXXX XXXX on behalf of Capital One are conspiring to force through a frivolous law suit against me. 

On XX/XX/XXXX Capital One filed a motion to dismiss which was granted on XX/XX/XXXX. However, they are still stating that I owe this debt despite the fact that the dismissal THEY requested was granted.

They know this is well past the 6 years for the Statute of Limitations on debt in Indiana, ( originally filed on XX/XX/XXXX. ) They have no genuine merit or basis to collect on this and are intentionally dragging out the process as an intimidation and scare tactic against me. This is simply a covert approach for nefarious activities to exploit and extort the consumer. These are reckless, deranged and deliberate advances at all levels. 

Therefore, I am requesting that this matter be negated and rescinded on all effective levels with the support of the Consumer Financial Protection Bureau and with the Indiana State Attorney General and that a letter stating I no longer owe this debt and this matter is officially closed be sent to me immediately. Furthermore, their actions should be met with the full force of prosecuting judgments of the just based on their deceptive advances on all effective levels.
I won two e-rewards ( XXXX ) cards on XX/XX/XXXX. Each card was {$50.00}. On XXXX XXXX I spent {$48.00} on one card. Today ( XXXX XXXX ) I learned that my card, the one I did not use had fees ( {$12.00} ) because of lack of use. 

I learned the other card - The one I used in XX/XX/XXXX had a XXXX balance. 

After a long call with the customer service agent. I was told the fees can not be reversed. No where on the paperwork I have indicates a charge will occur due to lack of use. In fact the card has an expiration date of XX/XX/XXXX. I reviewed the website and under FAQ section it states " there are no fees ''.
This company has taken to multiple calls on my work cell phone. They used to call from a different number, but now they are switching to another number to try and scam money out of me.
I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XXXX XXXX, I submitted an application for a Citigold bank account using promo code which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised of XXXX AAdvantage miles would be credited to my AAdvantage account. At the time of my application, I entered both the promotion code, and my AAdvantage account number. Hence I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of XXXX Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with my Citigold Debit card and perform XXXX or more bill payments for 2 consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via secure messages and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told that all the promotional requirements had been met, and I would receive my bonus miles credited into my AAdvantage account no later than end of XXXX XXXX. 

In early XXXX XXXX, again I received secured messages from Citibank that a case R- XXXX has been opened to investigate the missing XXXX miles. On XXXX XXXX, I received a secured letter from Director XXXX XXXX confirming the XXXX miles, but somehow they manage to LOSE my AAdvantage account number! When I responded back with my AAdvantage number, they said the letter has been deleted, and Citibank had to re-create another new investigation case AGAIN. 

All these while, they keep charging $ XXXX monthly fees while dragging their feet in honoring their marketing promise. It 's clear that this is a deceptive marketing from the very beginning. 

Please see the message below from Director XXXX XXXX of Client Research of Citibank. 
XXXX Dear XXXX XXXX, Thank you for your inquiry on XXXX/XXXX/XXXX regarding your Checking account number ending in XXXX. We have completed our research and the results are as follows : Your account does qualify for XXXX XXXX, which offered XXXX AA Miles. 
Citibank is eager to have these miles applied to your XXXX XXXX AAdvantage account, however ; will need your XXXX XXXX AAdvantage account number to process your request. Please contact Citibank Online Services at XXXX at your earliest convenience to provide the AAdvantage account number. 
If you have any questions or would like to speak with a representative, Customer Service can be contacted 24 hours a day, 7 days a week at : Citigold XXXX Citigold International Collect XXXX XXXX XXXX XXXX ( TDD ) XXXX We appreciate your business with Citibank and look forward to serving all your future financial needs. 
Sincerely, XXXX XXXX, Director, Client Research
To Whom It May Concern : I was a customer of XXXX for a year. I paid a year of services in advance. I was not satisfied with the work provided and I had called several times to cancel for a refund. However, each time I was advised the problem will be fixed. After several phone calls which took so much time away from my busy schedule, I told them just to cancel my service once the annual paid was finished. However, after the annual paid was completed, they continued treatments without my consent and charged me for work I did not authorize while I was away from my property for work related matters. I had called several times to get this square away. I spoke to the manager and she said it will be taken care of. However, I recently received a letter from Transworld Systems Inc. and stating I owe {$140.00} that they are collecting on behalf of XXXX. They will report me if I do not pay this amount. 
Here 's the info relating to this matter. 
Transworld Systems Inc collections Agency XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Creditor : XXXX ACCT # XXXX Date XX/XX/2018 amount {$140.00} Had i requested this service, I would be more than happy to pay. However, I did not request the service and previous service provided by this company was very unsatisfied. Please help resolve this matter for I do not want to continue receiving letters and/or phone calls for something I did not sign up for. 
Thank you, XXXX XXXX
I recently received a collection notice fro m JP Recovery Services f or  XXXX  and I had never received a bill from the company in which this entity is claiming to be collecting for.  <P/> This is a medical claim and I also feel that my HIPPA rights have been violated.