WillisBack/dataset-financial-user-claim huggingface dataset:
Once XXXX XXXX, 2016, When I received notice that a XXXX XXXX bill was in collections. I immediately called the agency to verify this account. I provide my full name, address, and social security number and the representative was not able to locate an account with the information I provided. She informed to send and email to XXXXXXXXXXXX with a snapshot of the account on my credit report. I also included a validation request to show proof that I owe XXXX XXXX XXXX for the amount of XXXX. I did not get a response to my email and I called once again to be told the same information.
From beginning of XX/XX/XXXXup until XX/XX/XXXX, I have been trying to work with my lender to try to get something done about the property. I informed them back in the early party of XX/XX/XXXX that i had been laid off of my job and i needed to do a loan modification to try and offset what i new would happen inevitably. I tried to do the modification, but eventually my unemployment ran out, so i began to look for a buyer, when i could not find a buyer on my own, i recently went to a Realtor. I was under the impression that i had to pay a realtor to actually list the property. I do not deny that a lot of this situation is procrastination on my part, but i need this short sale to make the matter right. 
The property is listed at {$130000.00} and we have had a lot of activity with phone calls and showings. I currently have an offer that i would like for the lender to review.
I went through debt consolidation with XXXX. One main financial continues to call me to set up a payment or to get more money from me. They have agreed to the consolidation and have continued to harass me. Forced me to pay XXXX dollars after they agreed to the consolidation and called me 4 times since the agreement.
On XX/XX/2017 XXXX/XXXX made an unauthorized Inquiry on my Experian and XXXX REPORT! 

But XXXX/XXXX has AGREE to Delete this Inquiry! 

Please send ATTACH letter
I have reached out Capital One on XX/XX/XXXX or XXXX I believe this year. I had a payment over the phone with someone and they charged be mort that I agreed after I gave them my card information. During the ongoing dispute Capital One said even after I filed a police report against these people it is not a crime because I have had business with these people. It is a crime to use someone credit card information withdrawing a different amount that the person agreed. They are about closing the dispute now since early XXXX saying it was not a crime and rebilling the XXXX dollars.
XX/XX/2018 To Whom It May Concern, There is currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX-XXXX I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX, XXXX, FL XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. 

Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 
" The allegations from this item require immediate dismissal due to fact of inability to contest the derogatory claim ( s ) injurious to me DIRECTLY, as is my consumer RIGHT to do so. As such, I demand the full extinguishing of every aspect of reported delinquency and or derogatory since the factual nature of them can NOT be verified valid nor certified compliantly reported, as MANDATED BY STATE AND FEDERAL LAWS of reporting, true or not! 
Upon attempts to forward my direct consumer complaint challenging the accusers to demonstrate the requisite document verification ( s ) of the claim 's validity in reality and calls for evidence substantiating the perfect and certified compliance of reporting, I received notice back that the data furnisher address, AS REPORTED, was not deliverable to hence INACCURATE. This deficiency of reporting denies me my consumer RIGHT to question and contest directly my accusers, which means its reporting is unlawful and without compliance in full accordance of mandatory regulatory reporting laws and standards, including the required true, correct, complete, and perfect METRO 2 FORMAT REPORTING! DELETE this misreported data TODAY, even right here and now! "
In XX/XX/2016 my husband and I applied for a HELOC and were denied because of a remark on our credit report. It stated that our loan was settled for less than the full balance ; acct paid, foreclosure started. This is not true and our monthly reporting shows that we paid our bill on time. We wrote letters to all three credit bureaus and were able to get XXXX to remove the remark from both my report as well as my husbands. We have not had any luck with the other credit bureaus. We have hired a law firm to help us and they successfully got XXXX to remove the remark from my credit report but the negative remark is still there on Equifax. We have spent countless time, money on the phone trying to get this matter resolved. We were told it would take at most 30 days to resolve after we sent in our proof that the loan was paid in full and two years later this is still a problem.
I received a solicitation from one of my old credit cards, Chase Slate 0 % promotional rate for a year. The usual pitch. Take advantage of low 0 % promotion, transfer balance or large purchases. 
So I bit and once again Chase has bitten me in the XXXX! My first payment is {$610.00} MINIMUM! I have purchased other cards with less balance that I had with this one and the most I have ever payed for a minimum was {$250.00}. Now this is n't the first time this has happened with Chase. They had a class action law suit against them a few years back for the same thing. Before the bottom fell out in 2008 I had a couple of balances with 2.99 % & 4.99 %. I never purchased anything just transferes were put on. well after a few years they upped my minimum from something like {$55.00} up to {$700.00}! I thought i would take a chance with them again because they had gotten sued for that behavior. Surely they would n't do it again. Boy was I wrong How can a credit card company with any conscience tell you to come to them and they will help you with that high balance oh but by the way we 're gon na XXXX on your minimum payment and make it so high you 're gon na find another card to go with and by the way thanks for that {$360.00} balance transfer fee. I 'm telling everyone that will listen NOT TO DO BUSINESS with Chase slate.
On XXXX/XXXX/XXXX I meet and spoke with a Wells Fargo Personal Branch Manager -XXXX XXXX at the XXXX, Ca branch ( XXXX XXXX ) regarding my POA I have over both grandparents individually and what requirements Wells Fargo has in order to Exercise my rights as POA. The following documents we taken by XXXX XXXX to forward to WF legal. A declaration of trust, certification of trust, individual direct POA for XXXX and XXXX XXXX grandparents ) as well as my original social security card with my given name as listed as well as certificate of marriage showing maiden name change, us passport, CA DL all to verify and validate information provided as factual. I was then given a form to have notirized as advised by XXXX these documents are required by Wells Fargo California Attorney-in-fact Affidavit. On XXXX/XXXX/XXXX I returned to the same Wells Fargo Branch with notarized form California Attorney-in-fact Affidavit. that was provided to me by Wells Fargo. As documents were being processed and entered I was then hualted and advised that Well Fargo will not be able to accept myself regardless of the legal documentation verifying authority to exercise power of attorney due to  my lack or poor credit rating the obtained from XXXX and I was only elegible for a 2nd chance account. I explained to the banker that my financial credit should not be a factor to exercise my rights and that I wish to speak to Well Fargo legal dept. The branch rep then called the department and I requested to speak for myself with legal and was denied direct communication and communication continued with Wells Fargo Rep and there own internal department as I was sitting right in front the bank representatives. Information was relayed to me from branch representative who was on phone with the legal department that I will not be granted access regardless of documentation because my credit is not sufficient enough to be added onto the account regardless of being a power of attorney.
I called  midland funding  after seeing this on my credit report.I did n't remember opening an account with them, I called, they said the account was opened   XX/XX/XXXX , and it was sold to them, they purchased it  XX/XX/XXXX she said .I asked if she will repeat what you just said, her reply was do you want to pay the whole amount today? This means the loan was paid off and sold to them.This is the dispute, it was discharged, they wrote it off and was paid in full.I still get offers  for new credit card thru   XXXX   XXXX  .I should n't still be responsible.
In an effort to rapidly repay the HELOC, I sent Capital One XXXX several XXXX dollars over and above the monthly interest payment. On XXXX occasions in the last 12 months, Cap One applied the payment to " this '' month 's interest, and to " next '' month 's interest. In XXXX cases, they mistakenly credited my account with a couple dollars less interest and applied the rest to principle, then filed a 30-day late payment notice with the credit bureaus.
My checking account was accessed fraudulently and thousands of dollars of unauthorized withdrawals were taken from my account not once but twice. TD Bank was informed of the first episode of theft and allowed it to happen again, six days later. How does TD Bank allow unauthorized withdrawals from an ATM of over {$2000.00} per day when the limit of an ATM withdrawal is set at {$500.00}. 

TD Bank was neglectful in not locking the account once they were alerted to the initial fraud activity on the account. I suspect an inside job as TD bank seems to have no systems in place to protect the consumer from fraud. 

I have been a TD Bank customer for over 10 years with TD Bank, live at the same address but yet TD Bank systems allowed someone to request a debit card to be sent to a different address and withdraw monies from my account. 
I received no alert as to the request of an ATM card, nor any inquiry as to whether I had changed my address. Also, to allow fraud to occur twice after being informed their whole Fraud department is a sham.
I was a victim of identity theft and submitted a police report to verify my statement to XXXX and Experian. Neither was willing to understand that I was a victim. Someone abstain an auto loan with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.
I have a business credit card from XXXX XXXX. I also have a checking account with XXXX XXXX. Both are linked together and under one name. My credit card I obtained with promotion of 0 % until XX/XX/XXXX. In XX/XX/XXXX I moved. I went to the local XXXX XXXX in XXXX, CA ( same branch i opened checking account ) and changed my address to my new address. As XX/XX/XXXX rolled around and I didnt receive my credit card statement like i typically do, i called XXXX credit card and asked where my statement was. Apparently, they never changed the address. I changed it again by phone and paid my monthly bill. I was charged a late fee which was later removed. 

In XX/XX/XXXX, my XXXX XXXX account checking account was fraudulently attacked and all my money was stolen from my account. All my checks bounced. I reported the fraud and XXXX XXXX did investigation and reimbursed the money in my account. One of the checks that bounced was for my XXXX credit card. I called them immediately and told them what happened. I also made the payment once my money was returned to my account. I had no money to pay any of my bills. 

My statement for XXXX credit card came for XX/XX/XXXX with 30 % interest! I called them and they said that due to my 2 late payments they removed me from the promotion. I explained to them what happened and that the late payments were not my fault and technically shouldnt be considered late payments but they said there is nothing they can do! 

I feel like these credit cards take advantage of people, especially seniors like myself. They dont understand that not everyone is online savvy. Im old school. I went to my local bank to change address, I thought that was enough. I also was a victim of theft and fraud and they are punishing me with 30 % interest! I cant afford to make payments like that. I was planning to payoff the amount with 0 % until XX/XX/XXXX and not have any interest rate.
On XXXX XXXX XXXX, I purchased a service contract through XXXX XXXX for technical support on my computer for 3years for {$390.00} On XXXX XXXX XXXX, they contacted me by phone to inform me that they 're going out of business and they would like to refund my originally purchased price. The individual that i was talking to, informed me that they are unable to complete the wired transfer and asked me for my personal banking information so he could complete the wire transfer and assured me that it was completely safe. After that wired transfer was supposedly complete, they asked me to verify the amount of the transfer, the amount was {$2400.00}. 
They informed me that the transfer was an error and they sent me {$2000.00} too much. The person that i talked to claimed that if i dont returned me the {$2000.00}, his job will be in jeopardy and asked me to return it via XXXX through XXXX. Feeling sorry for this individual, i did as they asked. 
The next day, i discovered that they were able to transfer {$1900.00} from my credit card through my savings account to make it looked like that it was a wired transfer from them with the excessed amount. I immediately went to Bank of America to file a complaint, they informed me by letter that it was my error that caused this problem and they were not liable. I asked them for reconsideration and again i received a letter stating that i benefitted from this transaction and they feel like they 're not liable. At no time did i authorized XXXX XXXX to transfer funds from my credit card to my checkings, they were able to do this on their own to make it look like it was a wired transfer from them. 

Anything you can do for me for this matter will be greatly appreciated. Clearly was online banking fraud. 

Sincerely, XXXX XXXX
Each Credit Reporting Agency c ontinues to show credit inquiries when we have not authorized the companies to pull our credit. I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.
I am being threatened by a debt collector whom I believe is intentionally breaking the law. In pursuit of a non-existing debt. 
My most recent correspondence with this company is as follows. 

XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Texas XXXX RE : Creditor Midland Funding LLC Paid Debtor : XXXX Account No : XXXXXXXXX In Response to your communication of XXXX 2016 The FDCPA states that ANY person/lawyer or firm that is hired to collect on a debt, is considered a debt collector and falls under the rules of the FDCPA. 
The federal and many states ' law require that financially distressed consumers not be abused, deceived, lose their privacy, or be treated unfairly. 
You have called me and my extended family members using intimidation, talking with my friends and family about a debt. Without my permission this is illegal. Talking to them about non-existing debt is slanderous. Making harassing telephone calls and threats to sue on a debt that was paid, or no longer owed due to settlement is illegal. ( such is the finding when a debt collector and debtor settled a debt, and then the debt collector instituted litigation on the same debt ) Have I been mislead? 
In our documented agreement. 
You wrote up the settlement with an amount that was much closer to the original debt, as it was closer to the original debt before all the add ons, I accepted the mutually agreed amount of {$6700.00}. I paid that full amount agreed upon within the time frame you had given. 
I am not trying to get out of paying my bills, however I will not pay money I do not owe. 
This agreement states that if I make payments totaling {$6700.00} in a timely manner ( within the time frame you gave me ) the original note will be marked as paid and returned to me, and any remaining balance would be forgiven. I did as you asked. It now appears that you have failed, on your end, to mark the original note as paid, and return it to me, as you stated in your letter, that you would. 
Instead you have called me, and extended family members, leading family to believe I was in trouble with the law. All in trying to collect on a debt by your agreement is no longer owed. 
The correspondence written XXXX XXXX, 2016 is confusing. 
It shows that I indeed paid the {$6700.00}, ( the settlement amount that I also have in canceled checks ), written to and cashed by XXXX XXXX. It reads as though you are attempting to collect even more money. Money that is not owed. 
I dispute and deny this debt, as I will dispute any continuance of this matter. As you can plainly see, positively this is a mistake, by someone in your office. 
This information will now clear that up. I have done all that I was asked to do by your office. 
If you continue to seek force, and threaten to extract money I do not owe, I will have no other choice but to seek outside help to resolve this matter. 
You may contact me in writing to advise me that your debt collection efforts are being terminated, or that you are or the creditor are taking specific actions allowed by the FDCPA or Texas laws.
I originally had an account with XXXX that has been paid in full. I have documentation show that the account has been paid in full. XXXX is also reporting a {$0.00} balance. This company named XXXX XXXX XXXX is somehow reported that I owe them {$54.00}. I have requested this be removed from my credit report. XXXX XXXX XXXX has refused to do so. I have made several attempts to contact the company, but no one has responded to my letters, phone calls, and emails. Please have them remove this inaccurate information from my credit report.
I would Like to file a complaint on XXXX XXXX XXXX at Onemainfinancial company This person or compnay is constance harassing me. They call me as much as 5 to 10 times in one day to collect Payment that IS NOT EVEN 30 DAYS PASSED DUE I made a payment on Friday XXXX to this  company On Saturday XX/XX/XXXX there was a letter in the US MAIL from XXXX XXXX XXXX thanking me for my payment also enclosed in his letter was a message saying your payment is still past due. Just to be clear with XXXX My payments are due on the XXXX of each Month so Therefore you should have not sent out a message like that. Per the FCRA i HAVE 30 days to pay the balance before you can even think about reporting a late On my credit report. I was well In the 30 days deadline. ( I noticed in your letter dated on XX/XX/XXXX You states XX/XX/XXXX That is dead wrong per my contract my payments are due the XXXX of each Month. and I have until The XXXX Of the next before you can report any lates to either of the reporting agencies.. This company have called My Phone so many times in one day That I had to contact My phone carrier to block there Number from calling. Now I 'm getting letters each day from this company. I ask them to please stop contacting me via Phone or US mail or else I will take legal action and File a lawsuit. This is unreal Onemain will get your money stop with the Phone calls and mailing.
I was approached by a XXXX XXXX XXXX XXXX ( NMLS ID # XXXX ), a loan officer with my current mortgage lender ( HSBC ) with an offer to refinance my home under the HARP program. I had recently looked into the program and do not believe I qualify but the man assured me he could get it done. We spoke twice and he pressed at a 15yr loan. I asked him for other options and he told me he would get back to me. I never saw any other options. 
I immediately received an email containing an " e-sign invitation '' to sign and submit documents online which I refused to do, and then an email informing me that he had submitted a pre-approval on my behalf ... something I did not authorize. Following that I received ( by mail ) a notice about my " credit score and the price you pay for credit '' disclosure, this letter included an XXXX score and my " new loan number '' even though I have not applied for a loan. I never asked him to pull my credit score and never signed an authorization for him to do so. I also received ( by mail ) a " loan estimate '' outlining the single option he seems fixated on ; a 15 yr fixed-rate loan. I was never offered the other options I requested. The letters and documents are attached as PDFs. 
Days later I received ( by mail ) a letter that my " home financing application '' has been pre-approved, even though I never applied for anything. The same day I received ( by mail ) a package of compliance disclosures with many places for me to sign. 
I have to say I believe this man I have yet to meet is proceeding a very long way towards refinancing my home without my participation. I believe his actions to be unethical at best, and would like to know how it is possible for such behavior to exist in our tightly-regulated financial system.
On XXXX/XXXX/2015 Security Finance Corporation/XXXX made contact with a XXXX-party regarding my account and left a threatening message. I have asked Security Finance Corporation staff to contact me directly regarding my account. It appears that Security Finance Corporation deliberately released information regarding my account to an unsuspecting family member to embarass me. It seems that Security Finance Corporation is engaging in oppressive and abusive collection practices. This behavior is not legal.
Lexis Nexis has failed to respond through written communication within 30 days from certified mailed letter that was signed by XXXX on XXXX. Lexis Nexis has violated the FCRA 611 ( 15 U.S.C 16811 ) that they did not provide me with a description of the procedure to determines the accuracy and completeness of the disputed information. In dispute letter I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy, who they referred this dispute to ; and who responded back with the required " verification ''. In the meantime, I also obtained a letter from the U.S. Bankruptcy Court which clearly stated that they do not provide any information to the Credit Bureaus. Furthermore : Please Note : Bankruptcy Rule 9037 which states that " personal identific.ation information defined as individuals Social Security, and tax payer identification numbers, names of minor children, last four digits of financial account number, and dates of birth, be redacted from documents filed with the court. " Therefore, ( XXXX XXXX XXXX ) claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance
Now that they " closed '' this account that was included in bankruptcy was never reported as a charge-off off before the bankruptcy, however they 're reporting this as a Charge-offs. 
Per the FTC, if a debt was not in charge-off status BEFORE you filed for bankruptcy, it can NOT be reported as a charge-off AFTER your bankruptcy,
Made payments. But they marked me late. Have wrong information from another bank on file on my account. Refuse to help me.