WillisBack/dataset-financial-user-claim huggingface dataset:
HSBC charged an illegitimate late fee to my credit card account. Although I did NOT opt in to paperless statements, HSBC stopped mailing me paper statements. I had not used this card in a while. A merchant made a charge to this card because I had it stored in my account with that merchant. To date, HSBC has not sent me a statement reflecting the charge. I discovered the charge when I looked for it on a different credit card that I thought I had given the merchant. When I could not find the charge on the correct card, I called the merchant and learned my HSBC card had been charged. I don't even have the card in my possession anymore. So I looked all over for my HSBC online log-in details, and even had to log in to an old computer to find it. Once logged-in, I found not only the charge to my HSBC credit card, but also a late fee. I have no printer, and need a paper copy of the bill for my records. I contacted HSBC to ensure I would receive all future billing statements by mail, and asked HSBC to mail me a copy of the one I still did not have. HSBC threatened to charge me {$5.00} for every mailed statement. I refused to pay for what I should already be receiving. I paid the merchant 's charge, which brought my legitimate account balance to zero. Now HSBC is harassing me with at least 10 collection calls per day for the illegitimate late fee, which HSBC deliberately set me up to incur by refusing to mail me billing statements.
Equifax announced a cyber attack that occurred a couple of months ago. Executives from the company sold stock off outside of the approved window, which would violate SEC sanctions for insider trader. 

However, after checking the website they provided to see if your information is at risk, I 've found that my data was accessed.
delete all XXXX XXXX collections from all XXXX credit bureaus, for the debt was paid in full.
First, Selip and Stylianou LLP. failed to adhere to the CFPB 's policy in regards to responding to a complaint within the first 15 days which the CFPB noted which a copy of this is attached. Secondly, Selip and Stylianou LLP. attached a copy of a letter they " supposedly '' sent to me. This letter was not once received by me. It would not surprise me if they made up a date on a letterhead to cover themselves from failing to contact me as they were required to do. Third, XXXX XXXX clearly states that the account was " CHARGED OFF '' ( see letter " Letter from XXXX XXXX stating account charged off '' ). By charging the account off, Synchrony would NO LONGER BE RESPONSIBLE FOR IT AND FORFEITS THEIR RIGHTS TO TAKE PART IN A LAWSUIT. Therefore, Selip and Stylianou LLP CAN NOT sue me on behalf of someone who was " charged off '' my account. I also do not appreciate that Selip and Stylianous response attached below, referencing that I ever acknowledged that XXXX is being represented on their behalf. AGAIN, XXXX stated the matter was charged off therefore they are not involved with the matter. Thats facts! Fourth, I have sent MANY faxes and letters from XX/XX/XXXX until present, all of which were never responded to. I asked Selip and Stylianou LLP to contact me regarding their lawsuit because I have not once been contacted by them although they are providing a questionable letter that they did. They have been known to send people false documentation regarding this issue, even when they were XXXX XXXX  XXXX XXXX - See XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX ) - See XXXX v Selip & Stylianou , LLP, US Dist Ct, XXXX NY, case No. XXXX These are just 2 of the thousands of cases filed against this agency 5th -Your threats to continue to pursue lawsuits to me must be addressed. Just because I filed, and will continue to file complaints with the CFPB and other jurisdictions does NOT give you the right to take retaliatory measures against me. As seen in the attached document ( Selip and Stylianou Threats ), I was threatened with further lawsuits because they are claiming I filed too many complaints and that they are " Frivolous ''. To state they have no value is not their decision as its my RIGHT to send as many complaints as needed to stop companies like you from bullying people like myself. 
Selip and Stylianou LLP. has stated many lies, are deceptive, and bully people, all of which while they  can not adhere to the CFPB 's guidelines. They had to change their name from XXXX XXXX XXXX XXXX because they were sued and found guilty of so many different violations regarding consumers rights. This company has and continues to fail at doing things the right way and I am sick and tired of it. Something needs to be done to keep failing companies like this from abusing people by not following the correct protocols such as the ones I listed above. For them to threaten me for reporting violations they continue to make by stating they will peruse further action due to my " Frivolous '' and multiple complaints is ILLEGAL, uncalled for, and NEEDS TO BE ADDRESSED ASAP.
My charge card was closed due to delinquency b ack in 2016. Since then, I have been instructed by Old Navy to continue to make payments. I have advised them in the p ast, via chat, that I have fell into a financial hardship. At times, they waive the late fee, but that is not enough help. I am struggling and can only afford my rent, utilities, and food-the bare minimum. Whenever I try to call in, it is a hassle just being able to reach someone or have my call escalated.
Let me just start out by saying I am a fully licensed XXXX XXXX, XXXX XXXX and XXXX XXXX. I used to use Google Wallet regularly and it worked great, the transfers were instant and zero delays. I just tried again after switching to the Google Send app, it said it would take 5 days to transfer ( slower than a check or really any form of money movement ), this is unacceptable. I then IMMEDIATELY cancelled the transaction because again a 5 day time frame for a in place transfer is insane. I submitted and cancelled the request on XX/XX/18 and the cancelation was within under 120 seconds. On XX/XX/18 the money was withdrawn from my account, this caused much financial harm to myself as most of my bills debited my account because Google decided they needed my money 2 days later after I cancelled. When I contacted their Help & Support Group they let me know it could take 7-10 BUSINESS DAYS to credit back to my account. This is fraud, commingling and just illegal time frames for any company in the financial industry. They should be ashamed of themselves and the lack of customer serivce, I used to use Google apps and products religiously however now I and my family along with ALL OF MY CLIENTS will consider a new relationship. You are terrible Google Pay and your service is XXXX XXXX XXXX XXXX
This complaint is about Portfolio Recovery Associates XXXX XXXX XXXX. XXXX VA XXXX. 

I have attached a bill for collection sent to my elderly mother. As you can see it is clearly a scam. My complaint stems from the fact that this company is still in operation even after having XXXX of complaints lodged against them. When I tried to contact them concerning this " debt '' there response was to hang up on me. 
XXXX times. XXXX I asked for their physical address. I only now just received it because I told them we were coming to pay the {$2700.00} debt they told my XXXX year old mother that she owed. It amazes me that we have not system in place to protect the vulnerable from these dredges of the earth. 
This is a false debt and these people are criminals.
I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
The original creditor which is XXXX XXXX sent an account that never belonged to me to a collection agency called diversified consultants. I Received a letter in the mail from diversified consultant attempting to collect on a debt from XXXX XXXX. I sent diversified consultant a letter asking them to validate the debt and send me all information on this account, I asked them to send me a of contract or anything bearing my signature because I never had and account with XXXX XXXX. They failed to provide me with proof of what I asked them they sent me an itemized bill with a list of charges which is not proof that the account belonged to me. They failed to send me the information that this account was mines. I just checked my credit report and according to my credit monitoring they already listed the account on my credit profile without fully proving proof. The address is also not my address as well.
Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports XXXX and Equifax in the amount of XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative ( XXXX ) then hangs up on me and someone else calls me back ( XXXX ) I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They ( XXXX ) have violated the FDCPA in many ways as well as XXXX and Equifax violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-XXXX/XXXX/Equifax. XXXX XXXX company in the amount of XXXX with-XXXX/XXXX.XXXX   XXXX in the amount of XXXX.with-XXXX/Equifax.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.
XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Past due 120 days Status Updated XX/XX/XXXX Balance {$2600.00} Balance Updated XX/XX/XXXX Credit Limit {$2400.00} Monthly Payment {$120.00} Past Due Amount {$550.00} Highest Balance {$2600.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-grantor request-reported by subscriber XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency never sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please reply within 15 days or delete the negative items, as originally requested. 
Below are the items that do not belong to me that you continue to report illegally. 

1. XXXX XXXX Account # XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 Days late as of XX/XX/XXXX I am  not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I found a credit inquiry on my XXXX credit report from XXXX. After doing some checking I found out it has to do with Paypal. I do have a Paypal account but have never asked for any type of credit card or account with them. This inquiry was done completely without my knowledge and/or consent. It brought my rating down by XXXX points.
XXXX is trying to charge me for telephone service after I started with XXXX. I moved my service from XXXX to XXXX XX/XX/2016. XXXX falsely wants me to pay for several months that I did not have service with their company. They were notified of the change, twice. 
I received my XXXX XXXX effective XX/XX/2016. XXXX is trying to bill me for 2-3 months after that date. I Paid {$260.00} on XX/XX/2016. The last payment for service prior to XX/XX/2016 was made XX/XX/2016 for {$270.00}. I do not owe XXXX anything. They appear to be upset because I transferred my service. Please help. Thank you.
I receive approximately 5 or more phone calls a day every day from a debt collector. They call repeatedly everyday, even Sundays. Sometimes they will hang up and call right back.
My issue is related to the credit  or   XXXX   XXXX  l.
I have notified   XXXX   XXXX   in writing and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by   XXXX   XXXX  .
I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and   XXXX   XXXX   has n't provided me with anything. Please help!
My information has been compromised online which resulted in my information floating around online. I've been abroad since XXXX and came home as of XX/XX/XXXX. As a result of my information being compromised and numerous fraudulent accounts have been opened under my name and social. Also numerous inquiries are listed as a result. 

The following fraudulent accounts aren't not mine : 1.XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX Acct # XXXX 6. The XXXX XXXX Acct # XXXX 7.  XXXX Acct # XXXX 8. XXXX Acct # XXXX 9. XXXX Acct # XXXX 10.  XXXX XXXX XXXX # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I would like to file complaint against Blitt and Gaines PC. This is a third party debit collector. I have a very old debit from 2009. I have proof and documents that I had a payoff and settle agreement with another collector. Blitt and Gaines decided to garnish my wages on the same account. When I recieved notice of the garnishment I submitted proof from the other collector the settlement prior to the court date. Blitt and Gaines advised that they will not except the documents I sent and that if I paid over {$13000.00} to them they will close the account. I told them I dont have {$13000.00} and they told me they were going to go ahead and garnish and there was nothing I could do. Of course I do not know my legal rights and thought that because this stamped paper I had no defense. I then proceed to get multiple calls from other collectors for the same account. One collector advised that they would garnish my wages and I had to send proof. This got me thinking how and why. I called the origional collector and they advised on two seperate occasions that my information can be put back into the system. I called Blitt and Gaines and I guess they have held on to this account for a long time letting it build interest. When I asked why they didnt contact me they said they sent a letter over a year prior which I never recieved. When I asked why they didnt except my proof they acted like they had no idea what I was talking about. When I asked who is collecting the interested they could not give me a answer, when I mentioned I was going to record our call they hung up on me. When I asked for verification they sent me a court paper with some other collector on it, nothing said Blitt and Gaines only the envelope it came in. I found out I can contact court documents and get the same thing, I can also print off a wage garnishment form online as well. I contacted the origional collector XXXX XXXX. I was able tosubmit the proof to them. I got a call the day after I submitted the proof and they advised that this account should be closed. I had a hard time but was able to get to the collector I had the settlement with for a payoff. I submitted this to XXXX and they still havent closed the account. I have now been garnished over {$8000.00} on a settlement of {$2800.00} I also had to pay over {$200.00} in fees. This is extorshion.
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Chase card : XXXX {$4000.00} on XXXX/XXXX/2016, XXXX XXXX XXXX charges {$2200.00} on XXXX/XXXX/2016, {$1300.00} on XXXX/XXXX/2016 and {$2700.00} on XXXX/XXXX/2016, XXXX XXXX {$4000.00} on XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.
I initiated a request to move all of my Ethereum from my vault to my wallet with the intention of selling on XX/XX/XXXX. At the time, the value of my investment was almost {$10000.00}. Coinbases delay has caused me significant losses ( approximately 40 % ). I never received a secondary confirmation e-mail from Coinbase, so Ive been unable to finalize the withdrawal.

I called Coinbase on XX/XX/XXXX to have a ticket opened on the issue, and was told it had been escalated to the highest level possible, and that details were included. The representative did not add any level of detail, even though they said they could see the issue was coming from a glitch within Coinbase. I then went in on XX/XX/XXXX to add the additional detail so the issue could be resolved. 
On XX/XX/XXXX, I still hadnt heard back, so I called again. This time, the representative stated that due to a backlog, it would likely be several weeks before I heard anything back from the company, and additional time to resolution. I find this completely unacceptable every day Im unable to withdraw, I am losing money. This has caused me a great deal of personal and financial stress to say the least.
Among all of the issues I had with our mortgage broker and being harassed, the XXXX issue that I am infuriated with is not being provided with our loan estimate details at any point during the loan process after we submitted our mortgage loan application and had to come up with a large sum of money 3 days before out closing. I was informed, later that the loan estimates should have been provided to us within 3 business days of submitting the application. We met with our broker on XXXX/XXXX/16, he wrote down figures on a blank sheet of paper, we signed some forms and met at my workplace the following week to provide additional requested documents to my broker, he told us to date all of the documents XXXX/XXXX/16 as that is the dare that we met. I followed up via email the following week and the broker confirmed the application was submitted on XXXX/XXXX/16 yet when I submitted my complaint to my bank, they are claiming that I received the loan estimates and provided me with a copy ( first time I saw this ) which was dated on XXXX/XXXX/16. I am confused how the loan details were already " generated '' before the loan application was submitted, why the broker scratched everything down on a piece of paper if the document was already created, why this document was never emailed, mailed or delivered to us in any manner at any point and I am now convinced that this was something was not just overlooked but was falsified. I was unaware that we were supposed to receive this document until I was reviewing our closing disclosure- and questioned the required funds with the broker and my attorney because it stated we needed to come with several thousands of dollars within 3 days. If I would have received the loan details within the 3 business days of submitting our application as mandated, then I would not have become stick, have XXXX, needed to scramble for answers regarding the discrepancy and for additional funds. Additional, I was later harassed by the broker and then he told me his job was in jeopardy- why would he state this if he did nothing wrong? We received our loan commitment, clear to close, closing disclosure and other documents however not the loan estimates " conveniently '' were never sent to us at any point.
I have had an account with Sears Card services for about 7 years. This past year, I discovered a fraudulent charge on my account. I reported it immediately and they promptly credited my account. Thereafter, it appeared to me that my account was credited beyond the amount I had disputed so I called to report it and they mentioned there was no issue. We had a sick pet which needed XXXX last fall and I used the card to pay for the fees. 
Having misplaced my card soon after or before the XXXX ( I can not remember ), they cancelled it and reissued a new one which apparently resulted in a myriad of charges related to the disputed charge in XXXX of 2016 either reappearing on my account or being credited to my account. There was so much back and forth with this XXXX charge that I honestly have no idea how much I should have owed based on the things I know I have used the card for that I feel like I have since overpaid the amount of initial credits to my account. I do not trust Sears at all. They performed an audit on the account a couple of months ago and swear it is resolved, but I am now also paying interest on the amount they had credited my account and since reversed the charges on. Those interest charges have been reversed one time when I called but appeared on my last statement. Overall, it is very shady and I wonder if this is a true error one off type of thing or if other consumers are experiencing the same issues.
this debt that this company has me down as owed is fraud I did not make any purchase nor did I use the account in question .the amount owed is not valid nor is this account.please help me resolve this .please help me to get this off my credit
I found unauthorized charges and some of them were occurred when I was out of Country which I filed the claim twice and they did not fix the problem and charged all of them back as my charges.
First I 've never been late on my payment. 
Never had a claim but they went up on my payment. 
Servicing of my loan is the cause are my payment increase. 
* ( PAYMENT WHEN UP )