WillisBack/dataset-financial-user-claim huggingface dataset:
I was refused access to my online account because I refused to give their automated system a telephone number. They wish to contact me by telephone when they detect " unusual or fraudulent activity ''. I do not want them calling me or to monitor my account. I check my account everyday. If there is anything unusual or fraudulent, I will see it and report it. The problem is that when you see a problem ( usually in the pending section ), they will not act on the problem or allow a complaint until the transaction actually posts to the account. There has been more than XXXX occasion where foreign transactions that I initiated were stopped ; preventing me from making purchases for items I wanted. So, I do not want them to be making arbitrary decisions about banking transactions that they are not qualified to be making. 

Even the security questions they asked for me to answer did not apply to me or I simply could not answer. The XXXX question I could have answered ( What is your mother 's middle name? ), the system would not accept it. My mother did not have a middle name but an initial ; A. Their system would not accept it. 

Because of this, I am not able to access my account to be sure I am not going to be overdrawn ; which they will want to charge me for.
I received an email explaining my credit was reviewed after i told the broker not to contonue after discovering my credit freeze.
I have had my Bluebird XXXX  for years. I rarely use it or load money on it but only use it in extreme circumstances. Well I last used in last year and I recently loaded {$170.00} and {$33.00} and {$200.00} and so when I went to pay my car payment with this card I rarely use I was shocked when it didn't work. I called and did a dispute and they only credited {$17.00} and sent a new card. Unacceptable I told the rep distinctly what I was disputing and it wasn't done correctly at this point I just want my money and to close this account completely
I did a payday loan in XXXX for XXXX dollars and am now struggling to pay it. The APR is 611 %. If I pay one more time on XX/XX/XXXX, this will cover the XXXX dollar loan. I am on the East coast in NC and we are still struggling from Hurricane Florence. I realize I should have not taken out this loan and do not plan to do it again, but I would like to be relieved of this loan.
I called all three credit bureaus, XXXX, Equifax, and XXXX to inform them of the unauthorized credit inquiries, after several attempts they would not remove them. Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX 12 XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 5. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
On XX/XX/2011 i deposited a check of XXXX into my Bank of America account. I received this check through a craiglist job that i found and i was sent was sent a check to be deposited into my account and from there purchase things and shipped them out. I received the check and the check seemed legit. Then i received a letter from the that my account was closed due to a fraudulent check. I was surprised because I did n't know it was a bad check. I was XXXX at that time and was looking for any job to be able to meet ends meet. I disputed the case with XXXX and bank of america and nothing is been done. I asked bank of america for a copy of the check and said they do n't have it because this happened XX/XX/2011. I did research after that and i was one of the people of XXXX scam where they send you and check and it bounces to be a bad check. I deposited the check and did n't touch any of that money from that check.
Diversified Consultants calls me several times a day and when I pick up no one says anything. The phone hangs up, and the calls are repeated. I have mailed letters to this company asking them to validate this debt that is not mine. I never lived at this address that is listed on this account. And I never had this service with XXXX XXXX XXXX XXXX XXXX. They have failed to provide me information such as the written agreement that created my original requirement to pay. They have been unable to give me the proof that they have the right to collect on this debt. I will upload the letters that I have mailed to this company. Even though they could not produce any proof, they put this negative information on my credit report. I sent a letter to XX/XX/XXXX and XX/XX/XXXX. I will also provide evidence of tracking that it reached their office.
I pulled up my credit report from all three credit bureaus, Experian, XXXX and XXXX, and noticed there was a listing of Chapter 7 Bankruptcy filing on XXXX 2009 on my report, the furnisher is the U.S. Bankruptcy Court. 

I wrote a letter to the Arizona XXXX XXXX on XXXX XXXX, 2017 requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XXXX to XXXX 2017 to Experian, XXXX and XXXX on the bankruptcy and they all responded back by saying the information was verified.
I have sent several requests to Pinnacle Credit Services per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company in XX/XX/XXXX which has well surpassed the 30 days allowed by law for a response.
I made 3 separate car payments to Foresight Capital. They have charged me a cash advancement fee for the transactions when the payment should have been processed as a XXXX XXXX payment and not a cash advancement fee. The only option on Foresight Capital website is debit/credit card payment, there is no option for a cash advancement payment but yet they have charged me a cash advancement fee. The car note payment and cash advancement fees are as follows : Car note payment of {$730.00} on XXXX with a cash advancement payment of {$36.00} Car note payment of {$360.00} on XXXX with a cash advancement payment of {$18.00} Car note payment of $ XXXX XXXX with a cash advancement payment of {$14.00} I spoke with the supervisor XXXX and she told me that they have had this issue before and that they have not had this issue in a long time. XXXX refuse to reimburse my account for the cash advancement fees. XXXX claims that XXXX XXXX is the one that is processing the transaction as a cash advancement fee not Foresight Capital and that XXXX XXXX is the company that I should get reimbursed through not Foresight Capital. XXXX also claims that XXXX XXXX has them listed as a bank institution and not a financial institution and that is the reason that I am being charged the cash advancement fee. 
I am requesting that Foresight Capital reimburse me in the amount of {$68.00} for the cash advancement fee charge.
CFPB and FTC recommend credit freezes with the credit bureaus in response to the Equifax data breach. Yet, CFPB and FTC do n't realize that they charge a {$10.00} fee. That is insulting, especially with Equifax and their data breach. Equifax stands to profit at least {$1.00} XXXX in credit freeze fees from the estimated 143 million people impacted in their data breach. That is just Equifax. Transunion and Experian will also profit from Equifax 's poor cybersecurity and stand to each make {$1.00} XXXX, too. How in any world is that right for at the very least Equifax to profit by charging a credit freeze fee for their mistake? My wife and I will have to dole out {$60.00} to put freezes with each credit bureau.
They want me to pay over {$100.00} a month for loans but I 'm barely making it out in the real world. I went to school for   XXXX   XXXX   but not working in my field because they say I did have enough experience so I had to take a finance job because could no longer find work as a   XXXX   XXXX   because lack experience
I do not believe the claim for {$1300.00} from : " CAPIO PARTNERS LLC '' or " XXXX / XXXX XXXX XXXX XXXX '' is legitimate. 

1. I received an invoice from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX is for services dated XXXX/XXXX/XXXX ( almost 6 years later ). See attachment # 1. 

2. I called XXXX ( XXXX/XXXX/XXXX ) and they referred me to you CAPIO PARTNERS. 

3. I called CAPIO ( XXXX/XXXX/XXXX ) and left a voicemail asking them to call me. 

4. I recently called my insurer, XXXX XXXX ( same insurer as service date in XXXX ). XXXX XXXX told me there were no claims filed for an ambulance, service date XXXX/XXXX/XXXX or for any other surrounding dates. XXXX XXXX also told me it was now too late to file a claim ( the 2-year window expired ). 

5. I recently discovered that XXXX / XXXX XXXX XXXX XXXX is affiliated with XXXX ( the invoice was for ambulance service ) .Apparently XXXX XXXX XXXX XXXX XXXX XXXX as a joint venture between Rural XXXX XXXX and ... See attachment # 2. 

6. Our local news station aired a segment criticizing XXXX XXXX for their billing ( lack thereof ) and their collection practices. See attachment # 3.
Received a alerts from my credit report that I have a collection that was placed on there fr om amsher c ollection services for  XXXX  I filled bankruptcy last year and included  XXXX  I ask the lady can she send me a copy bearing my signature she said she not sending me anything was really rude then hung up. Call about 5 times to also get there address and repeatable hung up. To Whom It  May  Concern : This letter is regarding account #  XXXX  also accounts #  XXXX  which you claim my account was charged off $ This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing th at I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was cancele d. Please also be aware that any negative mark found on my credit reports ( including   XXXX  ,   XXXX    and  XXXX   ) from  your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for   : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.       Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your respon  se, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
i had submit all the doc the bank ask by fax and also by certified mail so when i call today to check onthe status of my loan modification i was told they did n't received in time and something was missing so ask many times what was missing they dindt know i have the name and badge of the person i ve talk to
On XX/XX/2016, I made a {$420.00} payment. This would have left me with {$560.00} credit available to use on this card. I planned on using this card or about $ XXXX of it for a trip we are taking. On XXXX, after my payment posted of course, I get an automated phone call stating that they have now decreased my credit limit {$500.00} leaving me on {$69.00} available credit. When I called, they stated that all my payments to them have been on time but tried saying that I 've been paying late on other credit cards I have. That is NOT TRUE. I have NOT missed any payments, in fact since I 've gotten ALL my credit cards, I have paid early in fact. It 's just strange that I 've had this card for a while now and have been making payments twice a month to it and then all of a sudden after a bigger payment, they just drop me. I lost XXXX and a trip with that happening and they were just awful to talk to on the phone. The reason I paid so much is that this is a cash back card and I was trying to earn extra money by paying off a chunk then using it again and so on. It 's almost like they did n't want to have to pay that cash back so why not just drop them down so that they ca n't earn anymore. I now learned do n't trust your credit cards and just use your bank account or cash anymore. I wo n't ever be paying that large of an amount unless I 'm paying off the card to close the account. This is horrible as I have been a great customer paying every 2 weeks on this almost since the day I got it.
Advance America, a loan company of whom I have an account : has taken over 1600.00 dollars from my VA XXXX account, leaving me with no funds for groceries, utilities or insurance. I am behind on my payments, and feel that I should have had some warning about this. Also I was under the impression that these XXXX funds are immune from garnishment.This company is located in XXXX, Texas.
To Whom it May Concern : I'm currently a XXXX XXXX XXXX XXXX that qualifies for XXXX  Loan Forgiveness. According to the rules, I can get up to {$17000.00} because I have met the requirements for that particular forgiveness. I know this because I've had {$11000.00} forgiven in XX/XX/XXXX from my student loan balance of {$15000.00}. 
Currently, I have {$4400.00} left in 2 loans according to my XXXX account. My guarantor for these 2 loans are the state of Texas which is now Trellis Company. Trellis Company continues to create difficulties for my application in order to get the {$4500.00} forgiven. I have applied seven times. Five out of the seven times, I was told that the documents were not legible. I was told that in XXXX, XXXX, XXXX, XXXX, XXXX, and now again XXXX. The first time I applied was XX/XX/XXXX at the end of my 5 year. 
My last submission on XX/XX/XXXX, I made sure to clearly type the application and have the appropriate signatures done neatly by both myself and previous administrators. I was denied because I was told the application was " too light '' and that they could not confirm that XXXX  XXXX  still works at the XXXX XXXX ( which he does ). No phone calls were made to the XXXX  to verify his employment nor were there any contacts made to him directly. Now I am being asked to show his employment verification of his position which I am not allowed to request through my HR department. 
The first 6 times I applied, there was no mention about my previous XXXX 's status being a reason for denying my application. Now with my most recent denial, I'm being asked to do something that is not within my boundaries. For the past 8 months, I've made multiple phone calls ( at least twice a month ) to XXXX to verify the status of my application, I've submitted all the paper work every time, and everything is up to date. Because I have gotten loans forgiven for a my first application, I know my application is solid. 
I've been informed by XXXX, loan service provider, that my guarantor ( Trellis Company ) keep denying my application for the following reasons : 1- Illegibility 2- "  Too light '' 3- Updated information 4- XXXX XXXX verification of work ( without making any contact with the XXXX  or person ) From the feedback that I am receiving, I am under the impression that Trellis refuses to forgive my loans and keep making me do the run-around until I give up and pay for my loans out of pocket. I have no issues with XXXX, since they have provided me with all the information I need. My problem is with Trellis Company.
Recently, I accompanied my mother to a local dealer to purchase a snowblower. The cost was {$790.00} + tax. During the transaction, my mother, who is a senior citizen on a fixed income, asked if the dealer offered free or low-interest financing. We were told we could get the snowblower financed for 18 months at zero interest. We agreed, and the dealer proceeded with the transaction. My mother and I both have excellent credit. Prior to closing the transaction, the dealer informed us that the finance company, XXXX, is charging an additional {$50.00} fee for the financing. We were not provided with another alternative to finance the machine but felt the price of the unit was good, so we signed the paperwork with the dealer. We realized a few days later that this was a mistake. In the meantime, the snowblower had been delivered. 

I contacted XXXX and spoke with a representative, inquiring if the {$50.00} fee could be waived or reduced. The representative told me that they do not do that. I then asked if the financing could be cancelled and was told that the dealer, who had already been paid by XXXX, could return the funds. I then contacted the dealer and asked if he would reverse the payment from XXXX, and I would pay him outright on my mother 's behalf, and then she could pay me back over time ( which is what we should have done in the first place ). The dealer told me that he would need to contact XXXX to see what procedure he would need to follow to return the funds. Upon subsequent follow-up with the dealer, he told me that XXXX told him that the transaction could not be reversed, which is not what the XXXX representative had told me. So who to believe? Now it seems that we are stuck with the {$50.00} fee. 

I realize that, by signing the paperwork to initiate the financing, we do n't have much recourse on getting the {$50.00} back. My complaint, though, is that for an {$800.00} purchase, a {$50.00} " document prep fee '' ( what XXXX is calling it ) is too much. The customer is enticed with the offer of zero percent financing for 18 months, but it 's not zero percent. On an {$800.00} purchase, {$50.00} is actually 4 % annually, no matter what they call it. I believe that this practice is deceptive. Finance companies should charge a stated percentage of the total cost ( 1 %, 2 %, etc ), explicitly stated to the consumer and not say that it is 0 %, get the customer excited and then say, " but you have to pay a fee. ''
I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have NEVER done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
I have a student loan for a XXXX school that went to collections. TFC Corp closed the account and transferred it to XXXX XXXX for collection and I am paying XXXX payments. However Tfc still shows I owe them as does XXXX for the same loan on my credit report. I told XXXX I can not owe both for the same loan and they say when I pay them off tfc will then say my debt to them is clear. I think they are actually the same people in reality. I can only get voicemail at tfc and they will not call me back. How do I even know when I pay XXXX off that tfc wo n't say but you still owe us? I ca n't owe both for the same loan, it shows I owe double the loan amount on my report.
Hi XXXXXXXX XXXX ; I was shocked when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : XX/XX/XXXX-30 days late ; XXXX XXXX XXXX days late I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I |thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate. 

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time. 

I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

Happy Holidays! 

XXXX
In late XX/XX/XXXX, I noticed a fraudulent charge on my XXXX XXXX at a XXXX XXXX in Oklahoma for {$870.00}. I 've never been to Oklahoma, so I knew this charge was obviously fraudulent. I called and had the charge removed, and was issued a new card. This is the first time I 've ever had that happen to me. I received a call from XXXX on XX/XX/XXXX asking a follow-up question about the charge. I called back on XX/XX/XXXX, and they asked if I knew a " XXXX XXXX '' to which I said " No. '' On XX/XX/XXXX, I learned about the Equifax hack, and that the two may be connected. On XX/XX/XXXX, I checked www.equifaxsecurity2017.com to see if my information was impacted, which it was. On XX/XX/XXXX, I checked my credit report through XXXX, and placed a 90-Day Fraud Alert with the three credit-reporting bureaus, through XXXX. I plan on submitting an IRS Form XXXX, and enrolling in Equifax 's TrustedID Premiere before the enrollment period ends on XX/XX/XXXX.