WillisBack/dataset-financial-user-claim huggingface dataset:
I first received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, and responded in writing on XX/XX/XXXX requesting more information about this alleged debt they claim I owe. XXXX XXXX, XXXX received this letter by Certified Mail on XX/XX/XXXX. 
I received a response, with a letter dated XX/XX/XXXX, stating that this debt is indeed valid and have included a supposed Verification of Debt which looks like a made up letter. On XX/XX/XXXX I then proceeded to contact XXXX, the original creditor, and talked to a XXXX employee ID # XXXX. She stated by phone, which was supposedly recorded, that she will mark this account in her records as fraudulent and that I should receive something by mail and then guided me to FTCs website to file an Identity Theft Report which I later did. 
Ive never received any correspondence from XXXX or XXXX. I then mailed XXXX XXXX, XXXX another letter on XX/XX/XXXX after my phone call with a XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX I also mailed them a letter from FTCs website asking them to stop all collection activity yet they continue to ignore my letters that I am a victim of identity theft as this account is not mine. XXXX XXXX, XXXX is still continuing to collect on a fraudulent account and keep mailing me the same document over and over. All copies will be uploaded here.
On XXXX XXXX 2017 I contacted this company in regards to a debt in which I hold no contract with which resulted in damages to my credit report and future finances. Immediately when I noticed the alleged debt on my credit report I turn to the company to resolve this yet my request has been denied to remove all negative information from my credit report. This company holds no original contract to prove that the amount owed belongs to me. All correspondence from the company are n't sufficient enough at all I received was photocopied information that does not prove nor deemed that I am liable for this debt. As stated before I demand that this company remove all negative information reporting against my SSN immediately.
I did n't realize that these Company 's could get away with scams and defrauding the public and theirs no solution. Asuch as there are some legitimate pay day loans some have gone to extremes to abuse their power. I took out a {$400.00} loan with Big Picture loans and this is one of a nightmare. I should be paying back {$540.00}, I paid XXXX {$140.00} and {$160.00} and the {$400.00} dollars is going no where all I 've paid do n't even go towards the loan this is a scam. Very Criminal Activity being run rampantly in this Country and this needs to stop! I need to see an end to this I will not stop until these Criminals are put out of business
I was given misinformation about my repayment options and directed into forbearance even when there were other options available to me and going into forbearance would have hurt me on my path toward public service loan forgiveness. Also, the loan servicer I spoke with was not up to date on her knowledge about new programs ( temporary public service loan forgiveness ) and told me I was incorrect and wouldnt transfer me to a different servicer when requested.
Honda has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. Honda deliberation audio evidence is available for review and verification.
I 've contacted  XXXX  and Equifax on multiple occasions and they insist on giving me a hard time. I 've had absolutely no problem with  XXXX  disputing and deleting credit inquiries that were fraudulent and unauthorized. I dont understand why its so hard for these other  XXXX  credit bureaus to address and correct the concerns of the consumers. I know they are in the business of making money while our credit is destroyed but its just not right. I did exactly what I was told to do. I contacted each creditor where these inquiries came from and they told me that I have to contact the credit bureaus. I thought it was the credit bureaus job to dispute and investigate any errors that are on my credit report. If im telling you I was a victim of fraud why would n't they look into it more than they do? If   XXXX    can do it, im sure  XXXX  and Equifax can do it also they are just refusing to be accomadating. Ive called many times because I had names and addresses on my credit report that werent mine. I had  XXXX  different social security numbers on my   XXXX   report and they updated my info and removed the inquiries with no problem. Someone need to investigate the unethical practices going on with   XXXX   and Equifax.   The FRAUDULENT inquiries are as follows ;  Equifax  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   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
this is like the 15 th time i have had to make a report about this credit reporting agencies, experian, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX 2017 FROM XXXX XXXX/XXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX COUNTY 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME THANK YOU
Chase approved a deed in lieu in XX/XX/2016, before selling the servicing to XXXX. Because they never ordered the assignment of mortgage, I 'm at risk of an illegal foreclosure. I just got off the phone with Chase and they said that the assignment was ordered on XX/XX/XXXX. This was after my constant follow up over a month ago. Today after speaking with Chase, I called XXXX county myself and they told me that they 're up to requests from XX/XX/XXXX. Chase should have ordered this in XX/XX/2016 but they clearly missed it.
I have requested consolidation into one loan multiple times, still have XXXX loans. Ridiculous, these can not be consolidated.
I was sent unauthorized charges due to an XXXX error on XXXX 's behalf. 
Disputed the charges, resolved the issue. 
Due to the issue, I unlinked my card and closed my account in order to not have any more charges sent. 

Figured coinbase issues were solved so I sign up, verify identity, payment info ... and they will not unblock me to make purchases. I submitted tickets and were told I'd receive a message back in a few days with no response.
XXXX XXXX XXXX sent letter on my behalf to me about the payment errors on my credit report - i seince then since the letter attacthed to my dispute to ALL THREE credit disputes and with more than enough information and evidence - the error has not been corrected
XXXX XXXX XXXX XXXX XXXX XXXX by Barclaycard- " Balance subject to interest rate '' " Average Daily Balance '' difficult to calculate, appears intentionally misleading, and results in higher interest charges than should be applicable to the current statement. <P/>On my latest statement for billing period XX/XX/17 - XX/XX/17, I see a total of {$2700.00} for the " Balance subject to interest rate ''. The actual statement balance was only {$2000.00} and this is a significant discrepancy that results in higher interest being owed. I have been unable to determine exactly how Barclaycard calculated this amount, and neither could a manager at their customer service center. I feel this is an unethical methodology of calculating interest since I see simple way for oversight. My solution now will likely be to discontinue my business with them and to voice my experience publicly. <P/>The company uses an " Average Daily Balance '' ( ADB ) to calculate interest, supposedly starting from the last contiguous statement period where the balance was not paid in full. This makes it nearly impossible for the consumer to accurately calculate their interest if they have even a modicum of purchases for the month and especially when this carries over for multiple statement periods. It appears designed to be intentionally confusing and extremely difficult for customers to calculate and verify their charges. <P/>I tried to clarify this issue with the bank through a phone call to their costumer service center and while I did get a manager on the line who made a valiant attempt to calculate my ADB for even one statement however it was impossible to actually go through this statement in any kind of reasonable time frame. She did say they could produce a spreadsheet with each calculation for the ADB but she could only discuss this verbally over the phone and could not share the physical data. Since my ADB for this recent statement period spanned 3 billing periods it was impossible for us to accurately review this data over the phone. Therefore there is no way for me to accurately account for the interest charged by Barclaycard and I feel this is unethical and an abuse of customer trust. A quick internet search of Barclaycard customer experiences further increases my suspicion of this bank 's untrustworthy nature. <P/>Let me also state that when XXXX XXXX XXXX switched to Barclaycard, their online banking service portal for the credit card also shifted by removing pertinent information that had been previously readily available and thus making it feel less transparent and accountable to check on my finances.
I opened a secured credit card with XXXX XXXX XXXX in XX/XX/XXXX. My credit report shows that I had no delinquent payments from XXXX until XX/XX/XXXX. Between XXXX and XXXX of XXXX I was in contact with XXXX XXXX XXXX to close the account. My main concern with the phone calls was that I would not have a negative mark on my credit report for closing the card. 

Upon checking my fico score and credit report this year, I discovered XXXX XXXX XXXX did in fact mark my payment as 30 days late. Additionally, they refused to give me credit card statements for several months due to going from an in third party credit handler to an in house credit handler. 

Attached is an email with the contact information of the person I spoke with, My final statement showing I had a {$0.00} balance in XX/XX/XXXX, a printout from the credit monitoring company I am using showing that I do have a 30 day past due mark on my report which is false and occurred while closing out the account.
On XXXX XXXX, 2016, I check my credit report and all my inquirers were deleted. I logged in today and there all back on my credit report and my score went down.
A credit card was opened with my name and social security number. The credit card company is Synchrony Bank, also known as a Wal-Mart credit card.
name : XXXX XXXX XXXX XXXX of XXXX ( XXXX before XXXX change ) XXXX XXXX XXXX XXXX ny XXXX had mortgage with XXXX XXXX bank ( XXXX ) in XX/XX/XXXX for the XXXX of {$140000.00} refinanced house in XXXX there was never a release filed by XXXX XXXX they have refused to answer and/or offer help can not sell house with this still on the rolls need help XXXX ( HSBC ) is no longer in the united states have been trying for over a year to get this cleared up
I was having automatic payments taken out of my bank account from XXXX. I lost my source of income, and called to have automatic payments stopped. The payment was still taken out and overdrafted my account. I had my lawyer involved, who had it taken care of from the bank 's side, but i still have XXXX in my collections. I stopped these payments and do not feel like i owe them anything. This was also several years ago, and happened just before my family of XXXX had to be rushed out of the house we lost to back taxes, which them caused my dad to have his XXXX. My family was enduring major hardship at this time, as well as me being told that i owe money i should not have to owe. I did my part, and i cancelled the payments.
My husband I bought a car with Drive Time about 4 years ago in an effort to build our credit back up and we have paid this car note in a timely manner. Now we are trying to buy a house but it appears that Drive Time is not reporting this to XXXX XXXX. When we checked 3 months ago it was not on any of the XXXX credit bureaus they said there was glitch in there system. They sent us a letter apologizing with a statement of our good standing. Now it is time to buy the house and they give us the run around. I have called XXXX XXXX and they state it is on their record but it still does not show on the print out. Drive time continues to say it will be down loaded with everybody 's. We do n't care about anybody else at this point they have had 5 months to get this straight. I want you to notify them and let them know this is illegal. I can fax you a copy of the paper work they sent me back in XX/XX/XXXX when the original " glitch '' started.
Navient has documented high balances and interest charges in which I am unaware of. The balance of my student loans are very high and seem too much for which my schooling cost. I am requesting someone to take a look at my account and help me to get this issue resolved.
I am the executor of each of my parents estates, i.e. Executor for the Estate of XXXX XXXX XXXX XXXX and Executor for the Estate of XXXX XXXX XXXX. 

I sent emails to CapitalOne360 asking to close my parents ' account and to send the closing check for their money on deposit of over {$18000.00} held in the account number XXXX to my law office address. 

The Bank -- CapitalOne360 never responded to my repeated emails and we did not receive the funds.
I have requested both XXXX XXXX XXXX XXXX and Calvary Portfolio to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account.
This was a request to send a certified original copy of a clear title to the above named owner of the XXXX Dodge Ram 1500 ; XXXX XXXX XXXX. According to transactions records from the trustee 's office, the claim has been satisfied with the amount of {$2000.00}, additionally, a XXXX vehicle ; XXXX HYUNDAI XG350 has a court order removal as of XXXX/XXXX/XXXX and was surrender following an accident. Police reports indicate the title owner was notified and the vehicle was taken to storage. 

On XXXX XXXX, XXXX, Check into Cash was called and XXXX spoke with XXXX XXXX. XXXX denied the vehicle was removed from bankruptcy and continued to state the trustee is sending payments for he XXXX Hyundai and the amount owed is {$800.00} and the amount for the Dodge Truck is {$1500.00}. 

Attached please find trustee completed payments, and court ordered surrender collateral. Please be aware that violations under bankruptcy codes are subject to a federal a law suit against creditors, which will include penalties and payments of attorneys ' fees. 

Honorable Judge XXXX XXXX XXXX ; chief of the XXXX District Bankruptcy Court in Texas will be notified of creditors unwillingness to comply with court orders.
I purchased ( financed ) a vehicle in XX/XX/2017 and through the dealership, received a loan from Wells Fargo. Since then, I have been making monthly payments to Wells Fargo since I still owe money on the car. As a lien-holder, Wells Fargo has the requirement that in order to finance with them, you need to have full coverage insurance. I never had full coverage insurance and neither the dealership nor Wells Fargo informed me that I would need to. My car has since been totaled, but I still owe over {$5000.00} on it. Wells Fargo should have required that I have comprehensive and collision prior to allowing me to purchase the car. They are not requiring that I pay off the rest of the balance, despite their negligence in confirming that I had comprehensive and collision.
An unauthorized hard-inquiry was placed on my XXXX credit report today by CBNA ( Citibank ) with the address XXXX XXXX XXXX, XXXX XXXX, SD XXXX which corresponds with Citibank 's address. I contacted XXXX ( the sole credit reporting agency which provided the hard inquiry to Citibank ) and they said I would need to get a letter of deletion from Citibank to forward to XXXX which is the only possible way I would be able to get the hard inquiry removed. I then contacted Citibank multiple times to ask for the letter of deletion as I did not authorize that hard inquiry and Citibank said multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard inquiry. I then contacted XXXX again to let them know what Citibank said and XXXX once again said they can not remove the inquiry without a letter of deletion from Citibank. I am currently stuck with an erroneous hard inquiry negatively effecting my credit report for the next 2 years that I did not authorize due to Citibank 's unwillingness to provide a letter of deletion although they can not find an application tied to my social security number. Citibank 's inability to locate any applications tied to my social security number should be even more of a reason for them to provide me with a letter of deletion as it appears Citibank pulled a hard inquiry on my credit report without any authorization ( legitimate or illegitimate ) whatsoever from anyone.
Reference closed complaint XXXX. My issue is that I did not agree to open or co-sign for this account. They opened it as a joint account with my ex-wife and I did not agree to a joint account.
on XXXX XXXX 2014 i maid a contract with XXXX company for lawn service and we agree to cancel contract any time with no penalty for cancellation ( iam sending you copy of contract ) for my house thy promise my in XXXX to XXXX mounts everything will be green. After XXXX mounts my lawn was getting ugly and worstI called to company and spoke with XXXX to cancel contract he told me give us XXXX more chance and i will com to your house personally see WATS going on he never came and thy continue charge and take money from my credit card on i called again and cancel my contract and i told them i am not happy with service and i do n't want to your workers com to my property no one deed not came for service after XXXX and thy continue charging my credit cardI called my credit card company and stop the payments and dispute the charges credit company send them request and no answer from them and refund my money XXXX for the XXXX time services witch i never receivedAfter that thy start abusing me with tel calls and letters and some collection agencies {$180.00}
Sub : Reg. Account opening bonus {$350.00} Enquired and Verified several times with HSBC customer service through bank emails, phone calls and chat. I have been advised that the bonus promotion {$350.00} will be credited to my account by XX/XX/2017. So far it 's not credit yet on my checking account. Even discussed several times with customer service, the team is not knowledgable circling and not providing solution on my case. Hence, raising this complaint to resolve my issue : Few case history reference for the investigation : Checking Acct Inquiry ( XXXX ) Date : XX/XX/2017 We are pleased to inform you that our Online Processing Team has reviewed your request and confirmed that your account is eligible for the {$350.00} promotional offer. 
Your Checking Account should be credited with the {$350.00} by XX/XX/XXXX. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 Upon review, we notice that the {$350.00} Bonus is scheduled to be credited within the XX/XX/XXXX. 
Checking Acct Inquiry XXXX XXXX XXXX XX/XX/2017 : You will receive your {$350.00} bonus into your account within the next 7-10 business days. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Upon review, we notice that you have successfully set up two bills per month from your new HSBC Checking account via HSBC? s online Bill Pay for three consecutive months within 120 calendar days of your account opening. Please be informed that the last payment was initiated on XX/XX/2017. As such, you will automatically receive a {$350.00} welcome deposit into your account approximately within eight weeks from XX/XX/2017. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : We have submitted a case to have the status of your promotional deposit investigated. Please allow us some time to look into this. 
Now, I have been told that about the eligibility criteria investigation again, which was investigated and confirmed by customer representative in XX/XX/2017 itself. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Thank you for your patience while we researched your promotional deposit eligibility. 
Since the account open date was after the Fall cut off date we are reinvestigating your eligibility. Please wait until the next month 's results are out. You will receive the gift by XX/XX/XXXX if all the criteria are met. 
I have lost my patience and faith with HSBC and it 's poor customer service, hence I 'm raising this compliant. 
Please investigate and resolve my issue at the earliest. 
Regards, XXXX XXXX
I am submitting this complaint on behalf of my son ... my son is in XXXX at the moment do to XXXX several months ago ... my son received a letter dated XXXX XXXX. XX/XX/2015 from Levy and Associates..they were attempting to collect a debt for a total of XXXX ... I immediately sent them a cease and desist letter dated XXXX XX/XX/2015 ... 
I stated in this letter that my son in no way shape or form has XXXX and has a surmounting pile of medical bills due to his medical issues at the moment..he has no income coming in at the moment and literally has no money..and does not need this stress of a debt collector hounding him..the letter was signed by myself and.my son as well with some assistance..todayXX/XX/XXXX XXXX I received another letter from the same business..Levy and Associates dated XXXX XXXX still attempting to collect from my son who is still in XXXX for a tottal of XXXX ... so instead of sending them another cease and desist letter I am filing a complaint with you in hopes of getting this issue solved..
Dear Sir, I purchased several  XXXX  giftcards and   XXXX   giftcards from  XXXX  on   XXXX   in  XXXX  and  XXXX  and recently I found that the cards carry balances o f Zero ( 0 ). I  have never used the cards myself for any purchases. As I made a google search I found that   XXXX    system was hacked in  XXXX  and my card information was stolen, same as many of the others. I have never gotten any information from ether  XXXX  or paypal about the system hacked. Clearly they tried to hide the information from the customers. I tried to contact   XXXX   but I was ignored. I filed complaints on  XXXX  website but the cases were closed since the purchase dates are more than 180 days. So I need your help to get the money back and let many of the others know about  XXXX  and paypal 's problem.     Here is the purchase information  : 1. {$ 75.00}  XXXX  giftcard, purchased on  X/XX/XXXX ,   XXXX   item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX   XXXX . {$100.00}  XXXX  giftcard, purchased on  X/XX/XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number  XXXX  pin  XXXX . The card has a balance of {$2.00} when I used it.      XXXX   XXXX  of {$100.00}  XXXX  gift cards, purchased on   XXXX  ,  XXXX  item id :  XXXX  transaction id  XXXX  card number  XXXX  pin  XXXX  and  XXXX  pin  XXXX   XXXX . {$150.00}  XXXX  goftcard, purchased on  XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX   XXXX . {$100.00}  XXXX  goftcard, purchased on  X/X/XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX  Thank you very much for your help,