WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a payday loan with Cash Central. Over the last year, I have taken out several loans from them and paid everyone back in full. My situation changed drastically after I took out my last loan. I lost authorization to continue to use the checking account I was using. My checks stopped going into that account as well. I contacted Cash Central to explain to them I no longer had access to that account and see if I had options. I was told " I signed a contract for a single payback, not a long term payback ''. I explained to them my situation again asking for assistance. They told me they would continue to try to charge that account. The owner of that account issued a stop payment on CASH Central through XXXX XXXX using the vendor ID. once cash central was notified of the stop payment, they had offices in other states with different Vendor ID 's attempt to run the payment through generating over {$100.00} in overdraft fees. On XXXX seperate occasions I told CASH Central through their web based assistance option that they no longer had authorization to charge the account on file. They told me I had to call to make that change. I have called twice now and told them verbally the exact same thing and asked for repayment options. Rather than work with me, they lecture me on fiscal responsibility and reiterate that I signed a contract allowing them to charge the account on file untill they are paid in full. Wednesday, I spoke to an agent for approximately 20 minutes explaining to her, yet again, my situation. I told her my intent was to go obtain an pre paid debit card today and call them to begin making payments. She told me, yet again, that they would charge the account on file as they would not accept multiple payments to pay off this loan. I reiterated to her that neither myself, nor cash central had the account holders permission to charge the account. She immediately began talking about " our contract '' again. This morning, I received an email from Cash Central letting me know that I had option available to repay this loan. They sent me this email at XXXX and by XXXX had already tried to charge the account they no longer have authorization to charge. I have now made several attempts to make alternate arraignments to no avail. On each interaction, they talk down to me, they threaten to continue racking up overdraft fees in this account till I pay them and are 100 % unwilling to work with me to resolve this matter. I feel like I now have no other choice but to file this complaint in the hopes that they will stop charging an account they are not authorized to charge any longer.
To Whom It May Concern : My name is Mr. XXXX XXXX XXXX, I am a United States Veteran and Senior Citizen writing you concerning a matter that happened in XX/XX/2018 regarding my payroll account. I worked for XXXX XXXX during the month of XXXX I received two direct deposits to my XXXX XXXX card. One direct deposit was for XXXX and the balance was XXXX that was on XX/XX/2018. Then on XX/XX/2018 a direct deposit was made to my payroll card for XXXX the balance was XXXX. I submitted a police report for the incident that took place on XX/XX/2018 and I am still waiting for a claim form to be sent to me for the XX/XX/2018 incident as well. I also ; reported that my wallet had been stolen to the XXXX XXXX located in XXXX, IL thats the office I work out of from time to time. I also ; reported my debit card stolen to XXXX XXXX. 
On XX/XX/2018 I filed a police report concerning my payroll card and wallet being stolen, which I have a copy of. I also ; spoked with one of your representatives concerning the account ending in XXXX and debit card ending in XXXX, which the XXXX was taken out of an ATM and a withdrawal fee was applied. I asked specifically, why when the card was reported stolen was it not immediately cancelled? The response that I was given was that there were transactions still being made so, therefore the card remained open. If a debit card has been reported stolen by the owner it should be immediately cancelled! The second payroll card which ended in XXXX and account number ending in XXXX had a deposit made to it for XXXX and a balance of XXXX on XX/XX/2018 this card was never in my possession. Now, tell me how can there be two different payroll cards with two different account numbers which has two different pin numbers attached to them and someone is still able to extract money from each account! I have proof of everything that is mentioned in this letter. On the payroll card ending in XXXX there were two transactions made at XXXX  gas station, one for XXXX and another transaction for XXXX on the same day XX/XX/2018. I didnt purchase any gas because I dont own a vehicle. Then Im sent a letter stating that my claim has been closed. By all means this situation is far from over, I have alerted the Illinois State Attorney General 's office and the XXXX. I will also ; be getting an attorney and involving the State of Illinois Veterans Administration. 
I will advise that this case be revisited and reopened, there will be documentation included with this initial letter of notification. In closing if there are any further questions please fill free to contact me @ XXXX. 

Sincerely, Mr. XXXX XXXX XXXX
Portfolio Recovery Associates, LLC continues to collect a debt well past the seven year limit. Last payment was made to the original creditor almost ten years ago. They still contact me and refuse to remove from credit report.
Lost job loan went into default as I was securing stable employment. I requested loan consolidation during that process was immediately garnished by providing updated contact information. Consolidation was completed on XXXX/XXXX/2016 closing account with XXXX XXXX XXXX. However my employer did not receive release for garnishment until XXXX/XXXX/2016 therefore additional {$430.00} was garnished and sent to XXXX XXXX XXXX which subtracted an {$84.00} amount after account their account was closed Then sent {$340.00} to XXXX which I was told during various communications that payment would take care of XXXX payments. In this on going fiasco, and attempting due diligence to ensure my loan servicing agency receives this payment. Today was informed I 'm still responsible for my new monthly payment following their receipt of the of the {$340.00}. I am perplexed with the operation for these agencies, lack of consistent accountability of funds paid to date and miscommunications, misinformation of the agencies policy, release of information of personal accounting. If this were a financial institution providing a customer oriented service I would not do business with these entities. My request is accountable and consistent information across all agencies involved as it appears these agencies are profiteering off this federally program.
XXXX promised me a credit on this matter but instead sold it to a debt collector. I was paying for 2 months of services they did not provide ... faulty equipment.
CHASE BANK HAS CRAMMED XXXX INSUFFICIENT CHARGES TO MY CHECKING ACCOUNT. CHASE HAS SCAMMED MANY OTHER PEOPLE. I WROTE A LETTER AND WILL MAIL IT TO YOU THIS WEEK.
I called Transunion to dispute inquiries that are showing on my report. they are wrong. agent at TU told me to contact the companies. I have no idea who they are or how to contact them. I asked for supervisor. He was unhelpful as well and was lying to me. When I asked him his name and ID number to report him, he said XXXX XXXX. He is from XXXX, he is not XXXX XXXX. He is lying. I then spoke to another supervisor " XXXX XXXX ''.. CreditorInquiry Date XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
I contacted Equifax via certifed mail on X/XX/17, via telephone and by fax requesting removal of an account in which I attempted to contact a collection agency to request validation of a debt via the reporting address that they had listed as a contact address on my credit report. I sent them a certified letter into the EXACT same address they had listed on my credit report and the letter was returned as undeliverable. I mailed and faxed the copy of a the returned envelope with the return yellow label along with a letter requesting the removal of that account due to my understanding of both federal and state laws of reporting that no entity has the authority to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and any non compliant information. The reporting collection agency is clearly reporting inaccurate data because they have provided a false contact address toreach them on my Equifax credit report. I have made multiple calls to Equifax requesting removal of the account and they have still neglected to do so. Equifax is in violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
TFC Title Loan promised a submission of notice to the credit agnecys for completing my loan, XX/XX/2015. That never happened. 
I have the letter and payment schedule.
I saw the name " XXXX XXXX XXXX '' on my credit report & I have no idea how that info ended up on my report. Therefore I am unaware what percentage of my score is responsible for that name. I need that disputed ASAP!
I always make my payment online through my banks bill pay to my mortgage company Nationstar. On XXXX XXXX my bank XXXX XXXX sent a payment to Nationstar and it was rejected I did not know that. I received email form Nationstar that I was late and I called Nationstar to let them know my payment has already been sent to them my usual way by my bank and I see the debit in my account. I got XXXX XXXX on the phone XXXX way to confirm the payment. The customer service lady told me I should wait since it takes a couple of days for the payment to post. Yesterday XXXX XXXX, I noticed the credit in my account called XXXX XXXX and was told Nation Star has rejected the payment again XXXX times that was the reason for the credit and we went through verifying that my Nationstar account to be credited was correct. I called Nationstar and this time when I explained what XXXX XXXX said that Nationstar had rejected the payment twice, Nationstar proceeded to say the reason for the reject was because it has to be certified funds. I asked how certified does the funds has to be, cashiers check XXXX XXXX etc because I could not even make a payment on Nationstar website my account was blocked. I asked why was this not communicated to me earlier so I could have taken care of this sooner than now. I was told they send me mail. I said to them ever since my account was transferred to Nationstar all communications from us has been electronic why did they not send me such an important document the same way but chose to send it by paper mail. Bottom line is I have gone to XXXX XXXX today to make the payment I just do n't think I should be reported to the Bureaus as late when I made the effort to make a payment. If they had told me the XXXX time when I called that my payment was not going to be accepted that way because of the block on the account I could have taken care of the payment before it became late. I can not even refinance with Nationstar because of the late payment. 
If its XXXX intention for us to lose our home its not going to happen.
On XXXX XXXX 2016, i Checked my credit on credit karma and had a total of XXXX hard inquires removed from my report. I checked my account on XXXX and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have been calling transunion ever since and received no help. no one will transfer me, no one will connect me to an XXXX representative or the fraud department. multiple agents have been belligerent, some have told me that they know what happened but its basically too bad and i should simply file a complaint because they will not fix it.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX my last four of my ss # XXXX Date : XX/XX/XXXXConsumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX To whom it may concern, I have been having a problem with TransUnion credit reporting. I have been working very hard to rebuild my credit score and my XXXX credit card is  a secured one they are looking at my credit for many things to turn my secured card into an unsecured card. This problem that has been happening with my one credit card XXXX XXXX XXXX. For the 1st three months everything has been correct XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. Than I have been paying attention to my monthly updates and all of the sudden they stopped updating XX/XX/XXXXand XX/XX/XXXX and started a dispute with TransUnion as they said XXXX XXXX stopped sending them report monthly onXX/XX/XXXX. I had a printout from them showing myXX/XX/XXXX balance of XXXX which was correct. All of the sudden onXX/XX/XXXX I found out the balance changed to XXXX after many phones call many difference people who kept saying XXXX XXXX reported to them the balance of XXXX. Which was false finally I reached 2 supervisors one did fix my balance her name was XXXX and the other that was going to help before XXXX took over was XXXX. She fixed my balance to XXXX on XX/XX/XXXX. I only found out FridayXX/XX/XXXXagain the balance went back up to XXXX. TransUnion has been claiming XXXX XXXX is not reporting and XXXX XXXX resend my full history to them on XX/XX/XXXX plus they said they never got the disbute from TransUnion done onXX/XX/XXXX even as of today (XX/XX/XXXX ). TransUnion today told me they were fixing the balance again to XXXX. But the last time XXXX told me she had to get there IT dept. to fix this. Today also now TransUnion is saying to tell XXXX XXXX to contact their marketing dept. to have them fix this issue. But XXXX XXXX said that is not the problem. The following documents are attached : My letter to TransUnion Dated XX/XX/XXXX ; My credit report page from TransUnion from XX/XX/XXXX( which shows my balance of XXXX and 3 months of history ) andXX/XX/XXXX showing again the balance of XXXX inXX/XX/XXXX. My XXXX XXXX page showing my balance XX/XX/XXXXwith XXXX. My Statement with XXXX XXXX XX/XX/XXXXandXX/XX/XXXXwhich shows opening balance of XXXX fromXX/XX/XXXX. <P/>Sincerely XXXX XXXX XXXX
I previously had an account for internent service with XXXX but I closed the account in XXXX and paid the balance in full. However, in XXXX I received a bill from XXXX stating that I have an out standing balance I ca n't remember the exactly amount but I think it was about {$38.00} I called them we argued but they told me that I was billed for the month on XXXX even though I had cancelled my account. because I did n't want to have any problem with my credit, I paid the amount in full the requested. but in XXXX I reveived another bill from XXXX again so I called them right away on wednesday XXXX XXXX 2015.After they transferred me XXXX different places, I finally talked to XXXX of their agent called XXXX. she told me the account was set up in XXXX so I asked her how the account was set up under my name with my address and all my information without my concern? but she did n't give me any definite answer, she just said maybe it was an error. however, she to me everything was taken care of and there is nothing to worry about. she give me this confirmation number ( XXXX ) that the account was closed and everything was clear. At the end of XXXX, I received another bill from XXXX but I thought maybe it was sent before I talk to them in XXXX so I ignored it, however early this month, i received another bill from XXXX again and this time I also received a litter from collection again attempting to collect a debit ( here IC system, account # XXXX ) I also called them but she demanded me to pay the balance of {$120.00} which I told I do not own, so I told her I will called XXXX I hanged up and called XXXX right away an agent name XXXX XXXX answered the phone, I explained everything to her she told me it look like it is system error becauses the account showed it was cancelled in XXXX, so I asked her to please transfered me to the manager, so she transferred to another agent name XXXX, I spoke with XXXX for about five minutes before i realized she was not the manager, I asked to transferred to the manager but she said the manager was in the meeting and asked for my contact number to call me back whenever the meeting is over, I gave her my number and asked for the manager number in case they do n't call me so I can call them because they have done it to me before and they never call me back.But she refused to give me the manager or any direct call back number, I to her please give me the manager number so that I can call back whenever he/she finishes the meeting, she said there is no direct number and hanged up on me. 
So please I really need help for someone to question these people why are they doing this, and secondly clear my name and all my information in their system, I do n't trust them any more and I do n't want them to have any of my information in their system. thank you.
I am unemployed and a single Mother. The debt is over 5 years old, they have seized my checking account and declined a settlement that I offered. Child support funds were in the account.
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXXonly reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XXXX, XX/XX/XXXX / XXXX, XXXX - XX/XX/XXXX.
I am a realtor in the State of Washington. I represent a buyer who had an offer accepted on a short sale in XXXX, 2014 with Chase Bank. We do not have short sale approval. In XXXX we had an a BPO and appraisal and were told Chase would not counter and we were going to approval. To date we have not yet been approved. We are concerned Chase is stringing us along until prices increase and then will charge a high price. Other short sales in the building have closed already. We are worried this is deceptive business practices.
Insurance company supposed to pay for this account. At that time I had full insurance coverage but hospital did n't request bill to the insurance company. 
After my termination of insurance coverage they were trying to collect from insurance company of course they wo n't pay the bill. 
After that I was working with hospital representative to make payment options some other representative moved to collection.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Accont name : SKOPOS FINANCIAL Account Number : XXXX Installment
There is a collection account ( XXXX XXXX XXXX ) that is placed on my credit file that is not accurate. However, I can not dispute the information with the company because the address listed is not correct. 

Since the information listed by the credit reporting agency is inaccurate it must be deleted by the reporting agency. However, after writing two letters to Equifax, they have ignored my letters and continued to keep reporting the inaccurate information in violation of federal law ( FCRA ).
On or about XXXX XXXX XXXX I was notified of a letter from Lustig-Wilson and Glaser regarding a proposed debt they may have purchased from XXXX XXXX attached to my name. I reviewed the letter and exercised my right under the provision of the FDCPA to request a validation of debt. I sent a certified letter to XXXX on XXXX XXXX and it was delivered and signed for on XX/XX/XXXX. The letter included my request for signature of my original contract from the original client, copies of all charges showing signature, and copies all of statements so I can review this information to determine it all is correct regarding the amount they state is owed. I placed a call 4 days after the certified letter was received by LGW and spoke to associate XXXX to confirm that the request had been updated on my file/records. He could not confirm verbally that my letter was received nor had my file/records been updated with my request. I called back a week later hoping to get an update and spoke to a female who I can not remember her name nor did I write it down, but she also confirmed that there was nothing noted on my file/records that my letter had been received. I called again to LGW and spoke to a supervisor named XXXX on XX/XX/XXXX, 16 days after the letter was signed for and once again I was told that there is nothing noted on my account about my letter requesting the VOD. XXXX then informed me that a request has been sent to the original creditor for information but they do that for all accounts in their office. I asked to speak to someone who could confirm that the office has in fact received my letter and he said he is the supervisor and there is no one else to can help me. I am extremely upset that I exercised my rights to request the VOD and that an office of law will not confirm basic information to a consumer that they are trying to collect from. I honestly think this is a stall tactic and find it unacceptable. I have done my diligence to respond within the appropriate time under the FDCPA validation provision and I have copy of the letter, tracking and proof of delivery.
I have a debt from 2008. Asset acceptance LLC bought it and I never knew this. I received a wage garnishment from my employer in the mail. I have never received anything, no phone call, no letter, nothing from them about this debt. I think I should have received something from them before I was hit with the wage garnishment.
Hello, I received my credit report from all 3 credit bureaus after being denied for credit. To my dismay I was quite frankly shocked to see that Care credit with XXXX XXXX had an account on there with my name. I sent them a debt validation letter asking for the signed contract or my signature. What they sent to me was a letter simply stating they verified the debt as accurate and that it's mine. I have no knowledge of this debt at all. They are reporting wrong information on my credit reports. This is not my debt and they have not validated it as mine with any sort of proof or documentation proving it is mine.
I WAS TOLD BY XXXX XXXX THAT I WOULD N'T BE CHARGED FROM MY CREDIT CARD UNTIL I SIGNED AN APPROVAL. WELL OF COURSE AS SOON AS I GAVE HIM MY CREDIT CARD, I WAS CHARGED THE NEXT BUSINESS DAY. I HAD A HOME APPRAISAL DONE, I WAS TOLD BY MY AGENT THAT I NEEDED {$150000.00} APPRAISAL TO GET THIS DONE. MY LAST XXXX APPRAISALS WERE AS FOLLOW ; XXXX {$170000.00} XXXX {$170000.00} XXXX {$160000.00}. WERE IN A SELLERS MARKET, THE BEST ITS BEEN IN XXXX YRS. AND I GET LOW BALLED BY {$54000.00}? AND THIS IS AFTER I HAD MY WHOLE BATHROOM DONE, A NEW ROOF, ETC. THEY TOOK MY MONEY AND THEY KNEW I WAS NEVER GETTING A LOAN.THEY HAVE THE MAIN OFFICE IN XXXX XXXX NJ XXXX AND AN OFFICE IN XXXX NJ, XXXX.
My wife and I had taken a home equity credit line with Chase Bank. Now that the draw period has ended they have hit us with a balloon monthly payment. During the process this was never said or explained to us and our monthly bill has gone from $ XXXX month to {$1200.00} per month an amount we can not afford. Speaking with Chase they could care less and tried to get me into another loan. The Chase employee was aware of the balloon payment when we first agreed to the line of credit but never explained it to us. We have been scammed by Chase and I 'm asking for a lower more affordable monthly rate. We do n't want to loose our home to the scammers at Chase Bank.