WillisBack/dataset-financial-user-claim huggingface dataset:
At the end of last year I discontinued my XXXX service after nearly 20 years. The customer service rep I spoke with indicated I would be billed for the partial month of service in the amount of approximately {$35.00}. During that conversation the customer service rep mentioned I was also liable for a two-year " contract '' that included a {$150.00} fee, and that my final bill was {$180.00}. I asked to see this " contract '' I had allegedly signed and was told the contract automatically kicked in when I upgraded my service package a year earlier. I spent nearly XXXX minutes on the phone ( much of it on hold ) while I objected to this early terminate fee. Eventually the customer service rep conceded I did not owe the fee, and that I would be receiving a final bill for the {$35.00}. However, when the bill arrived it included the {$150.00} early termination fee. I again called XXXX XXXX and this time the customer service rep was very short with me, and insisted the {$150.00} fee was valid. I explained that XXXX weeks earlier I was assured the fee would not be applied to my final bill. The rep refused to budge, and informed me that if I failed to pay the additional {$150.00} XXXX XXXX would submit to remaining fee to a bill collection agency. They told me not to bother sending a check for {$35.00} because it was insufficient to close my account. Two weeks ago a firm called XXXX started calling my home phone number XXXX-XXXX times per day, at all hours, leaving messages that the purpose of their call was an attempt to collect a debt and any information I provided would be used for that purpose. I have not answered any of these calls, and they have sent invoices in the amount of {$180.00} so I am assuming that this is related to XXXX as I do not have any other outstanding debts, and am concerned this will impact my otherwise unblemished credit rating.
On  XXXX   XXXX  this company left a threatening voice mail on my phone as well as my mothers indicating my 'file ' wound up on their desk and it would 'behoove ' me to contact them before  XXXX  at  XXXX , however no one ever answers that number, and I have no idea who or what they are wanting. Message attached
Credit Protection Association is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Credit Protection Association ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
This is my first time disputing this matter i have an account open on my credit report that i gave no authorization to be on my report. I do not owe any dept from this place not sure what it is exactly or whats it for. The account was opened XX/XX/XXXX an is still on my account as of XX/XX/XXXX. I have disuted a previous charge on my account with a similar balance of XXXX dollars that was owed but i have resolved that issue due to a family member claiming my identity. Im thinking this is also there dept
XXXX XXXX XXXX company insists I 'm the owner of the property where somebody did n't pay gas bill. I am not the owner of the property and I have never been .I tried to resolve the issue with the company 's representative but the lady was very rude. This is the worst utility company.
Was contacted by Ability Recovery services in regards to a debt that is said to be owed by me From XXXX XXXX the original company who filed the claim. I have never received any services from XXXX XXXX and furthermore I have no business with Ability Recovery Services. I contacted Ability Recovery Services on XX/XX/XXXX in regards to a collection letter disputing the matter. Until date I have not received any correspondence back. On XX/XX/XXXX I sent a follow up letter to the disputes department informing them that I have not received any response and per the Fair credit act they were now out of compliance.
his is just an ongoing event with Transunion concerning the removal of address 's that I have stated many times via this portal, certified mail or even fax. I have submitted my utility bill, Drivers License, social security card, Police Report and now I am being requested once again from Transunion to submit a statement that the address 's do n't belong to me, a police report and now they have added a FTC affidavit which I have attached to this portal along with everything else. I have been disputing this information since XXXX/XXXX/15 and they have outright refused to removed all of the disputed information especially with the mountain load of supporting documentation that I have sent them. I have received letter after letter stating we will have to have the furnisher verify this information first before we can remove it. Your furnisher is the reason why the information is reported incorrectly and I have submitted many documents showing your Reporting agency that it is wrong and to make it right. I am the victim of Identity theft that is why I put a fraud alert on all my credit reports and reported this to the XXXX Police station. By Law Transunion your suppose to block and or delete the fraudulent information from my credit file within four days but as of today 2 months since I first disputed you have done nothing but verify that those address ; s must stay due to your furnisher verifying the address 's and the wrong variations of my name. Your all wrong and I want the items corrected immediately. Here is the information that I am disputing once again : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : Consumer Dispute Dept. 

RE : Report # XXXX Whom It May Concern : THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request XXXX to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXX OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : DELTA XXXX XXXX XXXX XXXX have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX
Capital One placed a stop payment in error on a close out check sent on XX/XX/XXXX, received on XX/XX/XXXX. Their reason for error is stated as " expectations not set correctly '' or similar thereof. A second check was sent on XX/XX/XXXX, the day I left for vacation. It was intercepted by a XXXX XXXX, my signature forged and cashed fraudulently. As the stop payment is an error on end of Capital One and thus replacement check sent out, Capital One is responsible for loss. Unfortunately, they will not admit so and claims the person, XXXX XXXX, lives at my address when she in fact does not. The funds were not received by myself, Capital One owes me the amount of check, XXXX. Further, the signature on check is not mine, Capital One is aware of this as they have my signature on file as reference. I previously requested the physical address to mail small claim and notice of suit to Capital One as well as name and number of their legal counsel, A XXXX XXXX took well over a month to reply and did not provide requested information. She responded with a web address to go to and left her contact number when she does not accept calls, return messages or calls. A total of seven ( 7 ) messages left thus far, none returned. I need physical mailing address to send notice of small claim suit to as well as name and number of their legal counsel.
In XXXX XXXX My checking account with Bank Of America was closed and reported to XXXX and XXXX due to an extended period of being overdrawn for {$190.00}. In XXXX of XXXX the total amount of {$190.00} had been paid to XXXX XXXX XXXX, the collection agency that had been assigned by Bank Of America to collect the debt. As Of XXXX XXXX Bank Of America states that their records indicate a balance is still owed on the account for {$150.00} and only XXXX payments of {$20.00} were received six months apart. I have contacted XXXX XXXX XXXX and was told that they no longer have records of an account and I would have to contact Bank Of America, contacted the bank as instructed and was again told to I would need to contact the collection agency to have them to verify and send updates to Bank Of America. 


The problem I 'm having is Bank Of America says they ca n't contact XXXX XXXX XXXX directly and the collection agency states they no longer have records of an account and I will have to contact the bank. I have made several attempts to get this issue resolved since XXXX and all I get is the bank stating there is still a balance owed on the account and you need to contact the collection agency and the collection agency rep. stating there is no record available in the system and will have contact Bank Of America. 


I have also disputed the account with XXXX and XXXX XXXX XXXX and their response is we have verified the account as reported.
I am locked out of my Transunion online account. I want to change my PIN # because of the XXXX XXXX Breach.  ( I am worried that the hacker has my PIN number to all 3 bureaus! So I want to change them, much the same way we would change our passwords. ) When I call Transunion, I get transferred again and again ... this after I explain what I need to each one of them. I have spoken with 6 different individuals, but no one can help me. One very  knowledgeable gentleman said that there are multiple accounts open in my name, and that Is the reason I am unable to logon. He said that only Transunion can clean up the mess so that I can logon and change my PIN number. But he needed to transfer me to another department. After another hold, a female answered, and I told her the issue. But she said that she could n't help me. She said I must have the wrong department! Really??? She transferred me back to a number where I started! lease help me. This should be simple to fix, but they do n't know seem to know what they are doing or where they are transferring me. I 've spent enormous time on this effort, and I have a full-time job and can not keep doing this. Please help me. If they ca n't figure out how to clean up my accounts and merge them into one, can they change my PIN so that I have some security post the XXXX  breach. That 's all I want!! Thank you!
Waypoint Resource Group allegedly bought a debt that I " owed '' ( I do NOT believe I owed XXXX any money as I KNOW I paid everything upon terminating service and returned all devices! ) HOWEVER, Waypoint JUST bought the " debt '' WHILE my wife and I were/ ( still are ) under contract to buy a BRAND NEW HOUSE. This " debt '' literally just appeared out of nowhere and knocked my score back nearly XXXX points! Why? Oh, because it says " time since delinquency is too recent '' " length of time since collection is too short '' - UM HELLO? This was nearly seven years ago AND I HAD NO IDEA I OWED THIS MONEY. But what did I do? I IMMEDIATELY PAID IT. And did my score go up? NOPE, because they updated to show {$0.00} balance AFTER I PAID MONEY I DIDN'T OWE, even though they told me they would delete from my credit report!! NOW OUR MONTHLY HOUSE PAYMENTS ARE GOING TO BE AT LEAST A FEW XXXX DOLLARS MORE PER MONTH, BECAUSE OF THIS ONE SINGLE ***PAID OFF*** COLLECTION!! SCAMMERS, DISHONEST PEOPLE.It wasn't even that much money! So rotten. How do they sleep at night??
Please see my attached in depth explanation of my complaint against XXXX XXXX XXXX fraudulently collecting debt I don't owe, falsely representing the XXXX ( where I briefly lived ) as the creditor when they emailed me asking me for a copy of this letter because I have only ever had a {$0.00} balance and 2 years later still do, and then NCS breaching all of my rights and immediately reporting delinquent for the past 2 months 1 day after a one page letter with an unexplained balance, calling from a spoofed # with my area code when they are in GA, threatening me, then 2 letters on the same date with different logos and letterhead one stating aware of dispute and a fake invoice, the second letter from XXXX XXXX ( spoofing threatener ) stating I will be sued. The XXXX  has not reached out to them to stop this and that is affecting my credit and ability to get housing - and enabling a crime in their name knowingly ... so I don't understand why they would ignore this when for 2 years I have no balance and they said they would take it of it so I don't sue them ( THEY SAID THAT ), but then haven't returned my call to take the necessary steps and make NCS stop dead in their tracks and remove everything from my credit reports- all 3 ASAP.
My SS #, birth date, address Driver 's License number and other confidential information was stolen in the recent Equifax security breach. I used the following website provided by Equifax to determine if my information was stolen, www.equifaxsecurity2017.com.
I will be filing a police report and a 90 day fraud alert on my file. I will also freeze my files w/all three bureaus and file a XXXX to the IRS. 

Please help me resolve this problem. A crime has been committed.
Sometime in XXXX of XXXX, my husband and I purchased a home XXXX. In XXXX of XXXX, we were approved by our then Mortgage Lender XXXX XXXX Bank XXXX for a Loan Modification, in which our payments would be modified for the principal and interest for the life of our loan in the amount of {$4000.00} monthly. In addition, I paid on my own Property Tax and Property Insurance for my home. Sometime in XXXX, Bank XXXX XXXX XXXX XXXX acquired XXXX XXXX Bank XXXX, and my loan was transferred to XXXX. Then sometime in XXXX our loan was then transferred to another Lender, which was XXXX XXXX, XXXX, XXXX XXXX XXXX this is when I noticed our payments were handled incorrectly. However, I was communication with both XXXX and XXXX, which they promptly assisted me with the discrepancies. During that time, my loan again was acquired by another mortgage company, Selene Finance XXXX ( Selene ). Prior to the loan transferring to Selene, XXXX provided me with an account activity summary, which clearly showed my loan was in good standing, and was not pass due. In fact, when it was transferred to Selene, my monthly payment due was at a zero balance. However, some where during the transition of my loan, a mistake was made within Selene, which caused my loan to become past due. But, this was not the case, because I continued to make the same loan payment that I had always made, and never changed my loan agreement. Therefore, there should not have been any discrepancies. But, I now feel Selene has mishandled our payments and applied them to someone else 's loan. In addition, they began to return my payments stating that my payments were not the correct amount of my loan, in fact, with the original checks that they returned to me, they also returned someone else 's Cashier 's Check to me, which was for a " Loan Modification ''. I would like to mention that I never requested for a Loan Modification with Selene, but this Cashier 's Check was for a Loan Modification for someone else 's account. Thus, we requested from Selene a reconciliation of our account, and to send us copies of our Tax Bill and Year End Escrow Account Statement, which we requested from them numerous times and for approximately 15 months later, we have not yet received any documentations of what we requested. Therefore, we are now asking for your assistance to this matter, because Selene has now decided to place our home under Foreclosure due to delinquent account. Despite our constant demands for an account reconciliation and our constant attempts to communicate with them, we have fallen XXXX due to the stress they have caused us. The representative that we spoke with at Selene was XXXX XXXX in which she requested from us our bank statements and cancelled checks, so that she could reconcile our account. We now believe this was NEVER done, because now they are attempting to foreclosed our home, when we are in fact current with our payments and have an overpayment due to us. 
I am pleading for your help with this sensitive matter. 
Thank you in advance and look forward to hearing from you.
Upon graduation college following the 6 month no repayment period, I started making payments on my loans without having full-time employment. It got to a point my loans were not being paid. I reached out to  XXXX   XXXX  now  Navient to go ov er options. I was told my only option is Forbearance which delays my repayment plan and their favorite mantra " We will bring your account to current ''. I received a very brief description of the plan. After looking over the loans I noticed my loan almost doubled over time in interest. I was never told or contacted about other income based options, forgiveness plans, or just help managing my interest at all. I understand I have an obligation to pay back the debt I have borrowed. The company also has a obligation to operate in good faith in their dealings the clients. Not mislead, coe rce, or blatantly operate in a manner to encroach on individuals. My account was placed in forbearance over 5x and  accumulated a large amount of interest. Coming out of college and trying to find a career while paying for housing and living costs are tough. Especially when you add to a higher than normal unemployment rate and employers looking for experienced workers. This process was made tougher in my personal dealings w ith Navient. Since then my credit has suffered and have been in a perpetual cycle of low credit score and high interest on simple things like financing a phone or getting a car loan to drive to work. All thi s due to  XXXX  open line items on my credit which consist of  all ( loans ) in negative standings. I write this to inform you of the deceptive practices by Navient and the long term affects it has had on students, parents, individuals both past and present.
Bank of America cancelled my credit card and issued me a new XXXX because they had detected fraudulent activity despite the fact that I verified all the charges as not-fraudulent. I made XXXX returns for purchases purchased on the old card, which were returned to the old card and the credits never appeared on my account which was now linked to the new card but carried the existing balance from the old card. It took over a month of me calling and chatting with Bank of America representatives almost daily to get one of them to even recognize that there were $ 300+ of credits sitting in the old account that needed to be transferred over. After that nightmare, some of the credits, though they are listed as credits, added charges to my balance instead of crediting my balance. I have spent countless hours trying to get a representative to hear my problem. Instead of listening to what I say, they repeat my balance over and over and tell me when my last payment was made. There is still no resolution. It is XXXX XXXX, 2015, and my first contact was made for this issue on XXXX XXXX, 2015. I have contacted more than XXXX times since XXXX XXXX, still with no resolution.
Yesterday my husband and I went to XXXX XXXX XXXX, XXXX, Tx to apply for a mortgage loan to downsize from our older, paid off home. When the loan officer ran the credit reports, only Experian, showed that we had two additional mortgages with XXXX XXXX and an additional auto loan with XXXX XXXX XXXX 
When we contacted XXXX XXXX, they verified that we had no mortgage loans. We did a little googling and pored over the report XXXX printed out for us from XXXX XXXX XXXX. 
Turns out that my Experian credit report contains information for a woman whose maiden name is the same as my married name and her social security number ( yes, that was on the report ) is just a couple of digits off mine. My guess is that someone didn't verify the social security number when they added this info. 

I tried to print a new experian report, but could not prove my own identity because they need me to very info about the loans that aren't mine. I tried calling experian 's number and went round and round with the computer generated voice. None of the options apply, and dialing XXXX doesn't work either. 
Consumer finance seems to be my main option. Please can you help? I'm not getting any younger! 
XXXX XXXX
My husband left the home in XX/XX/XXXX. I could not pay the mortgage by myself. I attempted to remodify with XXXX who was our mortgage service at the time. I was given a monthly payment which was higher than the original payment when my husband was living in the house. I sought help from the bar association with no luck. I was finally able to put the house in my name only after the divorce became final in XX/XX/XXXX. Shellpoint became the loan servicer.i cleared out my basement and found a tenant to assist financially.around XX/XX/XXXX I was notified by shellpoint that I was denied a remodification bc I owed too much money. I then put my home on the market and received an offer. I was ready to sign the papers but turned it down bc both my daughters were in school and they begged me to pls try again to remodify. I tried again as a XXXX person bc I left work after XXXX XXXX and have less income. I first worked with XXXX XXXX who requested the same documents over and over again.he finally told me that I needed one more document and after I sent it in my account was transferred to XXXX XXXX.he request the same documents all over again. I went through a cartridge of printer ink in one day making copies.XXXX XXXX proceeded to request the same things again and again. I became obvious that shellpoint mortgage was playing games with me and I have no choice but to sell my house before it is auctioned off. I think that what shellpoint has done is unscrupulous and unfair.my younger daughter is XXXX as well and now she must be uprooted for her XXXX year. I asked XXXX XXXX if I can rent the home for a year and was told no. I would like this company to be investigated for its remodification methods.
Repeated, unwanted calls not just to me, but to my elderly father and also ex wife.
My Coinbase account is restricted due to an error. It says I 'm living in a prohibited country, but I 'm not. I have around 50.000 on my Coinbase account and right now I do n't have access to it. 

I contacted Coinbase so many times without any result. I got them on the line 1 time and they opened a ticket for me to solve the issue. the ticket was created on XXXX/XXXX/2017 with  number XXXX But still no answer. 

I really need access to my money. Even if they do n't open my account, I would like to have a refund of my money on my account and my coins should be send to my wallet. 

I hope you can help me with this issue. I ca n't sleep for days because of this. This was my whole life savings. 

Best regards