WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!
Two of my credit reports are showing past due with incorrect amounts due and owning. The account is current
Transunion keeps displaying wrong employer on credit report. XXXX XXXX is innacurate and needs to be removed. Company says I did not list employer to be removed so they could not handle complaint, which is false. XXXX XXXX is on evey complaint thats been filed.
My home mortgage loan was sold by XXXX XXXX company to Nationstar mortgage sometime in 2015 without my knowledge. During this time Nationstar force placed insurances on this account and increased my mortgage from approximately {$400.00} per month to almost {$900.00}. I had sent in documents showing that I had insurances and that I had never lapsed in my coverage. After calling several times and never getting the charges removed I called the Mississippi State Attorney Generals office to get help. XXXX ( XXXX ) and I worked for about a year to have the charges reduced and/or removed. They were never removed. During the course of this they would not accept partial payments even though I had been told to send my initial payment amount until the charges were removed. After a year and a half of this my credit has been ruined. I can not get refinancing because of this. Also during this ordeal, I was in a major car accident. I would like to become current and maybe get refinanced. Their phone number is XXXX. They have done several people this way. I would pay my ( approx. {$25000.00} in full ). I am trying to avoid foreclosure! XXXX also has a detailed list of the numerous phone calls to rectify my possibility of refinancing. I have approx 50 pages of correspondence to upload or fax. Again I included my AG 's number to confirm the hassles. The XXXX XXXX  representative, XXXX, can verify that we called and faxed this company to rectify the problem. Her contact number is XXXX.
I attempted to dispute a charge on my card and was told because I have a previous relationship with the vendor, they are allowed to store my card and bill me with no dispute authority. They allowed this charge despite the fact it would take me greatly over my limit. The only option I was given was to make an extra payment to bring my account balance back under the limit to avoid a negative mark on my credit report.
I Signed With Global Client Solutions. Ran Across Your Court Case Dated XXXX XXXX, 2014 Where Global Client Solutions Illegally Collect Upfront Fees From Consumers.Also Consumers Ended Up Deeper In Debt Than When They Started. It Started With XXXXXXXXXXXX XXXX XXXX XXXX At ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Florida XXXX An Notery Public To My Home ( XXXX XXXX ) To Sign Papers. She Said Is An Independant Notery Pubic And Did'nt Use A Notery Stamp. We Never Received Any Paper Work From XXXX XXXX. I Noticed There Was Up Front Fees Of {$100.00} For 9 Months.I Called XXXX XXXX And He Stated It Would Go Into A Trust Fund And All My Credit Cards Would Be Paid Also. The Up Front Fees Were Going To ( XXXX XXXX XXXX XXXX ) At XXXXXXXXXXXX ( XXXX ) XXXX The Main I Reason I Caught This Was XXXX Never Gave The Name Of Who Was Going To Withdraw The Money From The Bank. That 's When Researhed Global Client Solutions. ( Total Enrolled Debt : {$10000.00} ) ( Estimated Program Length : 32 Months ) ( Monthly Payments {$290.00} Date : XXXX ) My Name Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX. Phone # XXXX. Last Question Am I In Deep XXXX? Also When You Multiply {$290.00} X 32 Months Comes Out To {$9300.00} Not {$10000.00} Where Did {$1200.00} Go? I Need To Know If They Are Legit! Help Please
This phone number calls my work phone several times a day, early in the morning and late at night. If I pick up no body talks, it is suppose to be a debt collecting agency and I do n't understand how they can be calling to collect a debt if the phone number is associated with a corporate account
I HAVE BEEN DISPUTING UN VERIFIED ACCOUNTS NEGATIVELY AFFECTING MY ACCOUNT WITH EXPERIAN. THEY HAVE AN ACCOUNT FROM XXXX THAT I HAVE SENT OVER DOCUMENTATION SHOWING THAT THIS IS NOT MY DEBT DUE TO A SHARE METER AT THE TIME I LIVED AT THE RESIDENT.YET STILL EXPERIAN CONTINUES TO VERIFY THIS DEBT. HOW IS THIS POSSIBLE.

I HAVE SENT OVER 3 DIFFERENT CERIFIED LETTERS ABOUT XXXX   ACCOUNTS. XXXX HAS NEVER RESPONDED TO ME, YET STILL AGAIN, EXPERIAN CONTINUES TO VERIFY THIS ACCOUNT. I HAVE GOTTEN NOTHING FROM XXXX   ABOUT THIS ACCOUNT.

I HAVE ALSO SENT OVER VERIFICATION LETTERS TO XXXX XXXX. ALL THEY HAVE SENT OVER IS A LETTER SAYING THIS IS MY DEBT. HOW IS EXPERIAN STILL CONTINUING TO REPORT THESE ITEMS THAT ARE NEGATIVELY AFFECTING MY CREDIT WITHOUT ANY PROOF FROM THE ABOVE AGENCIES. IT IS AGAINST THE LAW.
I tried to consolidate my credit card debt on my Wells Fargo card. I applied and was approved for a personal debt consolidation loan to pay this card off. The lender ( XXXX XXXX ), as per its course of business and policy, mailed the check, for {$8500.00} to Wells Fargo. On XX/XX/XXXX, I saw on my XXXX balance that my debt had been reduced by {$8500.00} ( the amount of the check ). I then used the card to make purchases because the balance had been nearly paid off via the loan check, as was reflected in my account. Five days later, XX/XX/XXXX, I come to learn Wells Fargo rejected the check. I found this out because my balance statement, that initially showed {$8500.00} was paid off via the lender check, was now back as a balance on my account, listed as a " payment adjustment '' with NO additional explanation. On top of this, I now accrued an ADDITIONAL Overdraft/Overlimit fee for the purchases I made based off the original statement, which again, accepted the payment. 

I called Wells Fargo several times for information. I explained that XXXX sent a check for the amount. It was a debt consolidation loan, standard issue, from another well-regarded financial institution. Wells told me that the check was rejected because they were unable to verify the account. But how can this be when it was first applied to my statement? How could they not verify the account but still show the amount on my statement? Wells Fargo would provide NO further information. By this point, I'd accrued an overlimit fee, as well as a {$27.00} dollar fee inexplicably assigned to my account for Wells rejecting XXXX 's payment. Wells Fargo now expects me to pay {$2000.00} to bring my account back on track. I dont have {$2000.00}. I barely had the regular minimum payment, which is why I tried to consolidate my debt. Now I also have loan bills coming in to pay back the XXXX loan! I wanted to cancel the loan with XXXX as the funds were never cleared and so the loan was never drawn on or applied. XXXX said they needed to see the returned check from Wells Fargo. I called XXXX several times and they told me they dont have the check and can give me no further documentation of what happened. All I have is my statement. The last representative I spoke to, XXXX, informed me that they shred the checks and dont return them. Shredding checks, as a negotiable instrument XXXX refused to apply, is absolutely unfair and deceptive behavior. And the over the limit fee they charged me on top of this is abusive. They are in violation of UDAAP with their handling of this, and they are hurting my credit score when all I attempted was to pay off what I owed them. 

My statement from XXXX on XX/XX/XXXX STILL shows the {$8500.00} as " Payment, thank you '' followed by " Adjustment -- Payments '' where the money is inexplicably returned to the account balance. I have attached this statement for review. I want my fines reimbursed and I want to close my relationship with them. They do not want to be paid off ; they want to keep their borrowers as hostages. This is shameful. Please investigate this.
I became underemployed due to my son 's health issues. XX/XX/XXXX, XXXX XXXX suddenly raised my minimum payment from {$1200.00} per month to {$2100.00} plus per month. I called XXXX XXXX continually, explaining that I could not pay this amount, because I am underemployed due to my son 's health issues. I also changed my account from a platinum card to a green card, to lower the yearly fee from {$400.00} plus to {$55.00}. Even though they could see that I was struggling financially, they refused to lower the monthly payment, continued to charge me interest on my card, as well as fees, and even though I made payments, they still reported me as late if I did not meet their high minimum payment. Still, I paid what I could as often as possible. On XXXX XXXX, I paid XXXX {$2100.00}. On XXXX XXXX, I paid XXXX {$500.00}. On XXXX XXXX, I paid XXXX {$1000.00}. On XXXX XXXX, I paid XXXX {$1300.00}. On XXXX XXXX, I paid XXXX {$200.00}. On XXXX XXXX, 2015, I paid XXXX {$1000.00}. On XXXX XXXX, 2015, XXXX filed papers to sue me, even though I had been paying them as much as I could as often as I could.
Equifax failed to complete a reasonable re-investigation of my dispute before the end of the 30-day period beginning on XX/XX/XXXX, the date my dispute was filed with Equifax.

Equifax failed to comply with 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) before the expiration of the 5-business-day period beginning XX/XX/XXXX, when they did not provide prompt notification of my dispute to XXXX XXXX XXXX XXXX, the furnisher of the disputed information. As a consequence of Equifax 's compliance failure to notify XXXX XXXX XXXX XXXX of my dispute, the information that I am disputing is still inaccurate, unverified, and can not be verified until Equifax reports my dispute to XXXX XXXX XXXX XXXX. Equifax failed to delete the inaccurate, unverified, and disputed information from the credit file before the end of the 30-day period beginning on XX/XX/XXXX, in accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Equifax 's failure to delete the disputed information from the credit file is in willful and negligent noncompliance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Equifax 's re-investigation of my dispute was unreasonable. Equifax persists in reporting inaccurate and unverified information for the XXXX XXXX XXXX XXXX   account. Additionally, Equifax, in willful noncompliance with 15 U.S. Code 1681i ( b ), is reporting an alleged Statement of Dispute for the XXXX XXXX XXXX XXXX account attributed to me. I did not file such Statement of Dispute with Equifax and did not authorize anyone to file such Statement of Dispute on my behalf.
I requested that Simon Agency provide me with validation, specifically proof that they were authorized to collect this debt, the name and address of the medical provider, the date and type of service, and to whom the service was provided, the name of the person providing this data, and the manner in which it was provided. 
They have failed to provide me with the specific requested information in the time allowed, therefore, I am insisting that these items be deleted from my file. 
Furthermore they have violated my HIPPA rights
Husband 30 years still employed XXXX XXXX XXXX XXXX XXXX. Daughter attends college I XXXX XXXX fill out loan applications. First year PSLF is offered I believe XX/XX/2007 I submit all paperwork for husband who is qualified for daughters loans. Loans are transferred everything is good, first wave of PSLF comes due submit paperwork and we are denied because I XXXX XXXX name is first on the application and his is second..Daughter has also now been a member of the XXXX XXXX XXXX XXXX XXXX for two years now she has been paying for 5 years her school loans in my name she applied for PSLF as well once again my name in first position. She has paid thousands of dollars toward her loan, her loan has remained exactly at the same amount. We have contacted ombudsman never have been contacted back, every contact via telephone has been different, every written correspondence never responded to. I have never been so frustrated in my life, we are not stupid people and have never dealt with such corruption and still not sure why
New information ( proof ) that a new card was issued to me. I was working with XXXX XXXX with not much luck, she advised me that she never saw any notes that would verify what I have been saying that two managers have submitted request so that I could get this account reopened. I never on this account because I was advised by your management not to pay on this account until it was resolved. I received a new card that my neighbor got in the mail they were out of the state so I'm just receiving it. They have the same address but different on a different street then me, so a new card was given. I am more than willing to pay the balance due on this account but I would like the account to be reopened based on the previous managers saying that because my account was closed after I made a pmt without being advised. XXXX XXXX did not listen to me to really help me. Please reassign my account so that we can stay in business together, I would appreciate it. Contact me at XXXX XXXX XXXX. See attached cc and reissued cc that has not been activated as proof one was indeed issued
In XX/XX/XXXX I discontinued service with XXXX XXXX. I at that time brought in my boxes and all equipment. I received an email the following month showing that I had no balance and nothing was due for the next billing cycle. In XX/XX/XXXX when I applied for credit I saw a collection on my account that I had no knowledge of. I reached out to the company and they informed me it was from XXXX. I called XXXX and was told they are not handling my account any longer. I sent in a validation letter to Credit Protection XXXX on XX/XX/XXXX with no response and again on XX/XX/XXXX. I then received a notice from them the balance was correct with a screenshot from XXXX. I requested they show how they got to this amount and to validate how the total was calculated as I had a XXXX balance statement. The company has not provided any of this b/c it does n't exist. When I call and push 2 for s dispute the call is disconnected. I have called several times. I want this information removed as it is not correct.
Hello, I was enrolled in XXXX college back in XX/XX/2015 then it suddenly closed. I applied twice to get my loans forgiven from navient since I meet all the criteria to do so. Both times Ive got denied and continue getting billed for a degree I did not receive. Ive called multiple times, customer service is horrible and did not help at all they rudely continue to say I need to pay on the loans regardless of my situation. I know I do not have to pay, not a XXXX!
I purchased {$660.00} of Buy coin on XX/XX/XXXX. On XX/XX/XXXX they canceled my order. As of XX/XX/XXXX I have not received any bit coins or my money back. 

I can not get anyone to respond via phone, email or any of the 3 social media accounts owned by bitcoin. Because of this I am treating this as a fraudulent case, I feel I have been stolen from.
Long story short when I was in the military I took out a private student loan from XXXX XXXX XXXX. After I got out of the military in XXXX XXXX, I graduated college that XXXX XXXX. Some time between XXXX and XXXX my loan is being serviced by American Education Services. After I got out of the XXXX I got a job and was struggling to make my payment of {$320.00}. The intial loan amount was {$30000.00} with Interest I owe {$42000.00}. In the last 3 years I have paid over {$7000.00} in interest and only {$3500.00} in principle. The interest rate is at 5.83 %. So lets fast forward to XXXX XXXX, XXXX right now I am unemployed, I am 100 % XXXX with service connected through the VA. I am back in school doing XXXX credit hours using my post XXXX XXXX XXXX. I am married with XXXX kids XXXX of the children I pay {$1000.00} a month in child support. Also in the mean time my wife and I are trying to start a business so all her time is spent raising a XXXX year old and office management stuff to find customers for our XXXX business. Finally I have had enough and I called XXXX XXXX XXXX, I was told they no longer do student loans and they ca n't help me with my private loan in restructuring it. They said technically AES owns the loan and they can do it. I called AES and talked to a supervisor named XXXX she told me the same thing I have heard over the last 3 years XXXX XXXX XXXX only allows 2 month forbearance that is it. After threatening to call and write anyone and everyone that could help me handle the situation XXXX said that they would forbear it for 60 months while I am in school. She sent me the paper work and it only says forbearance for 2 months. I am at my wit end and do n't know what I can do to get help besides start writing and calling everyone to get help. PLEASE HELP
A XXXX XXXX XXXX called me to tell me I committed Check Fraud and threatened to take me to Jail. Says that Chase is suing me because a {$200.00} loan that I took online went into collections and they had to pay for it. Says I would be taken to jail and I would have no bond and I wouldn't be able to speak with my family.She sounded professional enough, saying that I would have a police officer visit my home, and I better have two forms of Identification, along with other nonsense. FOR XXXX DOLLARS. Called my brother, whom he she said was my dad and called me by a name I don't even go by. Will be calling Chase directly to get this solved. Spoke with my lawyer he says he will resolve this issue. 

Name of her " Firm '' : XXXX XXXX XXXX XXXX, XXXX.
The auto loan with TD Auto Finance has been fully satisfied but reported negatively. It is inaccurate based on a settlement agreement stemming from a lawsuit I filed against TD Auto Finance. I am requesting that the item be removed promptly or reported to the credit agencies in accordance with the settlement agreement. 

I recently received the original copy of my retail installment contract indicating a paid in full status. I recently pulled all three credit reports showing the {$9400.00} as written off. I am requesting this matter be thoroughly investigated and fix or delete the disputed item as soon as possible. 

I have made contact with TD Auto Finance 's credit dispute department and have not received a response or an indication on my credit report that the incorrect information is being disputed. I also have not received any update on the actions being taken by the credit bureaus regarding their investigation. 

I am currently in the process of trading in my car and am unable to purchase a new one with a reasonable interest rate because of the derogatory mark on my credit report. My credit score dropped XXXX points overnight when TD Auto Finance reported the account status negatively.
This company at phone number XXXX ( XXXX ) XXXX contacted me XX/XX/18 and left a voicemail. They then contacted two very distant out of state family members I dont even speak to saying they were investigating me for fraud. I called the woman and she advised me I had committed bank fraud because I took a cash advance out five years ago, paid it all off but {$200.00} and had changed banks. I didnt hear from anyone since and forgot about it. I didnt deny having this debt. I told her that I had XXXX XXXX XXXX now and am on XXXX and no longer can work, that I have no home, no car and no means to pay for this debt in full right now. She told me that she sees Im a XXXX  and they will take my XXXX license. I told her Im XXXX so it doesnt matter but they cant do that either way. She said she was sending the sheriff to arrest me and that I might get medical care in jail possibly. She then said that I was lying about my XXXX XXXX, I was telling her information about a family member to decieve her and that there was nothing wrong with me and youre not even sick let alone XXXX. I hung up. I called back and asked for her supervisor. She said shes the supervisor in that office. I said I wanted the supervisor not in that office, that everyone has a boss. She refused. I said I dont know how this went so ugly, I just want to know what I can do to rectify this situation. She said I was past that and now it was just when Im going to jail. She told me again Im not sick, Im nothing but a liar, I should be ashamed by myself, Im disgusting and she was sending them out to arrest me for being a liar and hung up. This pushed me into a XXXX   XXXX  XXXX. I know these are terror tactics used to pump people with old debt that has been bought and I will not be bullied but I couldnt even find out what the debt was.
In XX/XX/XXXX I received a letter from Butler and assciates for a debt that goes back to XX/XX/XXXX. I replied by sending a cease and desist letter shorty thereafter. Request that they not contact me via mail or phone. This is a 20 year old debt. They fiolated fdcpa by contacting me with a final threat letter dated XX/XX/XXXX. I also adices a refusal to pay because of age of debt and has far as I am concerned this matter was satisfied by doing jail time.
Chase auto finance has repeatedly refused to report accurate information to the credit bureaus in regards to an auto loan that I have with them. Now they have decided to not report the loan at all and deleted the entire account from my credit report. This was done after I asked for them to report the correct balance owed to the credit reporting agencies. The loan was only being reported to XXXX of the XXXX bureaus and the balance they reported each month was the same XXXX, instead of the actual balance. Every call made to the executive office was ignored, until I finally escalated the issue to someone who made the decision to just delete it entirley instead of just reporting it as it should be. The entire duration of the loan I have encountered numerous reporting issues all that had to be escalated to be resolved, and dozens of phone calls made with promises of issues to be resolved and never addressed correctly. This loan was not included in a bankruptcy and they continue to treat it as such and are not following the laws and I have damages as a result of their actions impacting my credit history. My excellent payment history over the last 5 years has been deleted arbitrarily and this needs to be addressed as they are defrauding me as a consumer at my expense.
I was charged a fee in error by Citibank after my balance was paid in with a verified online transfer from my checking account for {$590.00} on XX/XX/2018. During that call and when the online payment was made and verified, an agreement was made with the Citibank agent that my account would be closed with no further action required on my part. On XX/XX/XXXX my account that was since closed was charged a late fee of {$34.00}. Since then the account has accumulated additional late fees and interest to almost {$300.00}. I would expect that during the transaction made on XX/XX/XXXX that they would have a recording of that phone call. I believe they have charged off the balance but they have not addressed the negative reporting to all of the credit reporting agencies.