WillisBack/dataset-financial-user-claim huggingface dataset:
I had a Home Depot account that went into collections with XXXX XXXX XXXX. I entered into a settlement agreement with XXXX XXXX XXXX  and made 1st payment fine with no problem received a confirmation letter in mail for payment. XXXX sent me 2 letters, 1 in the month of XXXX and one in XXXX reminding me that my final settlement payment of {$180.00} was due on by XX/XX/2018. I paid the amount required on the letter on XX/XX/2018 with a rep from their company. On XX/XX/2018 at XXXX I get a call from a XXXX, I believe this is what he said his name was, stating I was short {$63.00}. I advised him female that took my payment said she saw the letter that was mailed to me and agreed amount on letter was correct that I should get a settlement letter within 10 business days. He wanted to argue. I told him he must honor what was place in writing on their letter head, he refused. He then placed me on line with a guy name XXXX XXXX said he was not a supervisor but the person that handles complaints that no manager was there and he refused to argue and told me I need to pay the additional amount. I told him I wasn't paying anymore this is not what was on their letter, he proceed to tell me that the settlement will be voided and they would go after me. I requested a manager, he said no manager he is the manager. I advised he previously told me there was a manager now there is no manager. I explain to have manager contact me today XX/XX/2018 and hung up on him. This company is not willing to accept what they placed in writing and agreed upon when they took my money for payment. I want Citibank ( HomeDepot ) made aware of this and this company.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I requested Experian provide me verification of negative on my credit. Fair Credit Reporting Act requires them follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requested them verify the item I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. They sent me the typical verification with the creditor information, but failed to give verifiable proof that this was mine.
XX/XX/2018,, Signed Up For OverDraft Protection On My New Bank Card From Wells Fargo Bank,, Got An Email On XX/XX/XXXX,,, saying That My Account Will Updated,, So On XXXX XXXX,, Went To The Bank To Get Cash,, ( XXXX. ) + XXXX,, Using The Overdraft Protection,, Then I Went Today To Use My Bank Card My was Declined ( 4 ) Times ), I was Very Upset,,, This is So UnAcceptable
: RE : # XXXX Purchased through my PayPal creidt card I purchased these tickets on XXXX XXXX, 2016 It will be 2 months on XXXX XXXX, That I have not received the goods paid for. 

I have contacted the vivid seats through email and they have stated, they do not have any information on when or if this magic men show is going to take place, I find this to be a fraudulent transaction as I have paid in advance close to XXXX for these tickets and I have not gotten what I 've paid for, I have escalated this claim and have been going in circles with vivid seats as well as paypal. and am totally satisfied with the service I have received on both side. Since paypal lis a master card, I am requesting a charge back for this purchase. and I am also going contact an attorney or even the consume affairs department to file a claim. I trust you can see my frustration with regards to this, I hope that you will resolve this matter and keep my business other wise I will go ahead and proceed with the consume affairs board. 
regards XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX paypal Customer
Im disappointed that I disputed XXXX and XXXX/XXXX XXXX  on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in sterling jewelers for sending a fake application to me and them not correcting my credit report by removing this account
I was a victim of Identity theft and this payday loan was part of that. It was removed from my credit report and now it is showing back on there. I have not even received any information regarding this. The only reason it is showing is because I monitor my credit. This needs to be removed from report.I have a affidavit from the FTC that supports my claim.
We have citi card and the zero percent financing ended XX/XX/2019. We had a credit limit. We do not remember each credit cards limit because we rely on credit card company to deny any purchase over the credit card limit. {$4100.00} of credit card went over the limit and citi never declined credit card until after that huge amount was over billed. Then, citi said our minimum payment was entire amount of money over the credit limit, which they caused. We would like reimbursement of money over credit limit, reimbursement of any interest charged over credit limit, and for citi to stop these unlawful practices in future with other customers.
I have not received any validation documentation from COMMONWEALTH FINANCIAL SYSTEMS. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.
***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )
I contacted Sallie Mae concerning filing for Student Loan Forgiveness Program. They put me on a Forbearance and told me what information to fax to them. ( XXXX ) Was told it may take some time. When I didn't receive information about Loan Forgiveness I kept calling and checking. Next thing I know I had been placed with Navient. They finally said I hadn't faxed the paperwork ( 6 mth. later ). Sent it in again many forbearance 's by this time. Kept being told it was in process. Then I started getting lack of payment bills. I did not receive anything in the mail talking about the forgiveness paperwork I filed. Offered me another forbearance. The next thing I receive is them demanding full payment ( XXXX ). They kept churning my student loan until I am back where I started ten years ago. Now I am in a rehabilitation program it will be 9 months in XXXX in good standing but they started in XXXX dinging by credit report when I was told that would not happen. Calling it a charge off and saying I'm delinquent. When I am complying with their program.
All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
XXXX XXXX MADE PAYMENT XXXX ON XX/XX/XXXXTO BOA XXXX XXXX XXXX XXXX One XXXX XXXX XXXX XXXX, New York XXXX BUT BOA CLAIMS BOA DID NOT RECEIVE PAYMENT WHICH MAKES PAYMENT LATE.

THERE IS NO ONE TO CALL AT BOA BECAUSE BOA ONLY TAKES APPS AND I DONT HAVE A CELL PHONE.

I NEED CURRENT STATEMENT AND XX/XX/XXXX STATEMENT AND I NEED TO KNOW THAT MINIMUM PAYMENT WAS RECEIVED ON TIME. AND I NEED SOMEONE TO CALL NOT SOMEONE TO TEXT. IF BOA WANTS TO DEAL WITH A COMPUTER NOT A PERSON DONT DEAL WITH ME, BOA. CHANGE HOME ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
I purchased a home in 2004 for XXXX I am still paying Mortgage Insurance after all these years, the home is in an area that has significantly declined in value over the last few years. I am a XXXX XXXX XXXX widow who has a significant loss in income due to the unexpected death of my husband who is an XXXX veteran. I have called Citimortgage with no resolution on how to remove the MI from my loan. I almost lost the home and they put me on a balloon mortgage which scares me but I had no choice as I would have lost the home. The MI payment is well over XXXX per month for the past 12 years and I am upside down in the home. Is there anything you can do to assist me
In XXXX XXXX, I received noticed that I was being sued by XXXX XXXX XXXX XXXX XXXX for a debt not paid from American Education Services for about {$6000.00}. I went to court with my lawyer since the original loan document was not signed by me. The original loan document had my " signature '' but someone falsely signed my name. We went to court in XXXX XXXX and the judge deferred in my favor because the signature was not mine. 

XXXX XXXX XXXX XXXX XXXX was supposed to remove this negative information from my credit report. I assumed that they did. 

In XXXX XXXX, I contacted a mortgage company to get pre-approved for a home. I was told that there were accounts that were reporting delinquency on my credit report. The accounts were through a company called " XXXX XXXX XXXX '' I had never received notification from XXXX that they were collecting a debt. I called XXXX and they explained that they received the account from XXXX XXXX XXXX XXXX XXXX and were attempting to collect a debt. I explained to XXXX that I have a judgment in my favor regarding the student loan and that they do not belong to me. It took multiple calls from me to XXXX to be able to speak to a live person. They called me back and indicated that all of the accounts would be wiped from my credit report. 

A few months later I noticed that they were still listed on my credit reports. I tried calling several times and never was able to speak to a live person OR get a phone call back. 

I submitted a complaint with AES ( since they were the originator of the loan ) and sent them my court documents and they replied asking for the court documents ( even though they were already sent ) and nothing was ever done. 

I believe XXXX XXXX is a scam in that they were trying to collect a debt that I did not owe. They do not have a working telephone number on their website. They are almost impossible to get in contact with.
Paramount Recovery Systems XXXX XXXX XXXX XXXX, TX XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
I have a Title loan with XXXX. 

I lost my job and the job I have now only pays minimum wage. These are aggressive collectors and I need help. 

They repossessed my vehicle last year and did extensive damage to it. After I recovered it from the Repo yard, i found that it had been crashed and had significant damage to the front end & interior. Both front fenders had been ripped out and were thrown in the back seat. The interior smells like methamphetamine smoke and cigarette smoke. Even now over a year later, I ca n't get the horrible smell out of the vehicle. 
These criminals call me over 15 times a day. Call and threaten me and friends and work associates whom were named as references when I first applied for the Title Loan. The interest rate on this loan is upwards of 30 % and I have been charged ridiculous penalties and junk fees by this criminal enterprise. I need help. I need to have my loan re-structured with them and new payment arrangements. I can barely afford to keep my family housed and fed and without my vehicle, we will be completely ruined. I have limited access to documents right now but I will certainly have any documentation you may ask for. Please help me as soon as possible. This is an urgent situation. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX
XX/XX/2018 I was to purchase 2 concert tickets via PayPal transfer. I transferred {$49.00} to the seller and never received my tickets. I notified PayPal of this issue they advised me to bbn notify my bank. I notified my bank and was advised to file a dispute claim. I need assistance.
I have contacted Transunion about Inquiries that i didnt authorized and they could not help me. So i decided to do a little more digging and came up with this site. 
The inquiries i am referring to are : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX 3. XXXX XXXX/XXXX/XXXX I didnt authorize noone to run a credit check on the above inquiries i suspect i am a victim of Identity theft.
Regarding fraudulent practices of Selene Finance LP company Multiple fraudulent transactions have been taken place starting from XX/XX/XXXX. Upon inquiries and endless investigations, multiple entities claim mortgage rights to the property at the same time. 

Please see background history below : Primary and secondary mortgage was obtained on a one bedroom apartment in XX/XX/XXXX from XXXX XXXX. All payments were sent to XXXX in a timely fashion every month. On XX/XX/XXXX, XXXX has refunded a payment of {$1500.00} for a primary mortgage while accepting a monthly payment of {$200.00} on a secondary mortgage. 
Subsequently, an unknown company, XXXX, has initiated their demands for a payment of over {$20000.00} on the account stating that they are legally authorized to do so. 
XXXX has failed to provide : *promissory note *security deed *registered assignment Upon contacting XXXX County Registry Office , no documents were filed by XXXX certifying the requirement for all transactions to be recorded. 

Shortly thereafter, an unknown company, Selene Finance LP, has initiated their demands for a payment of over {$30000.00} on the account, also stating they are legally authorized to do so. 

Selene Finance LP has also failed to provide : *promissory note *security deed *registered assignment Further research showed that Selene Finance LP is not listed on the registered assignment with XXXX County property registry . 

Further research showed that XXXX and Selene Finance LP have involved in multiple class action lawsuits, CFPB investigation and debt collection fraud cases. 

Please investigate. 


PS : upon recent search history of XXXX County, XXXX NY registry on the property, Selene Finance LP is not a registered party and has no right to collect the debt.
I called and talked with XXXX in XXXX. I asked her how much I had to pay to settle my debt. She advised me {$1400.00} for me {$1800.00} would include my mother. I advised her that I would saved the money and call back to pay. I called back in XXXX to pay the {$1400.00} that XXXX advised me I could pay. XXXX advised me too late that offer is off the table. She transferred me to XXXX who stated I could pay 10 % of the total debt. Then they transferred me XXXX who advised me I could pay {$1900.00}. I told XXXX I was calling to pay the {$1400.00} that XXXX advised me that I could pay. XXXX stated that they sent me a letter back in XXXX. I advised him that I did n't receive the letter. He stated well I do n't control the mail. I stated how can you hold me accountable for something I did n't receive. He stated that I was hollering at him, which I was n't. I told him that I am having financial difficulties and I have a high risk XXXX. I advised them they were causing me undo stress. I ask XXXX to listen to the recording, because XXXX never advised me of a deadline to when I had to pay the {$1400.00} to clear my debt. He stated that they were not going to listen to the recording. He stated you have made me mad so all offers are off the table you have to pay {$2300.00}.
Ditech took over as the servicer of my loan in XXXX 2016. When my first 2 payments were sent electronically to them they placed them in the wrong account. One payment was moved to my account but the other one has not been moved and it has been 6 months. I call every 2 weeks and speak to a representative or supervisor who says the payment will be reallocated to my account by the following week and it never does. I never get a call back from anyone who said they would call me back. I needed to have them remove my phone number from their system so their automated system would n't call me to tell me my payment was late. They also send me letters that say my account is late although it is not - it is showing as late in their system because my previous payment has not been moved into my account. This was an error in their system and as a consumer I should not have to wait over 6 months to have it resolved
I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX XXXX for {$12000.00}. I took out the loan in XXXX made regular payments for an original loan amount of {$12000.00} beginning in XXXX XXXX when the loan was charged off by XXXX XXXX XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. 
The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. 

At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. 

I am sending two correspondences from NES. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XXXX and my payments since XXXX-present? 
I have proof of payments, so my balance should be much lower. 

I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.
I called the consumer to complain about it and nothing hasn't been done about it by them removing these things off my credit nothing has been done about it
I contacted XXXX XXXX and XXXX to repair a solar panel on my roof. 
I paid them {$630.00} on XXXX/XXXX/2015 but it continued to leak so I called again & again. The last time they said the panel was too old to fix but they would come one last time at NO CHARGE, then sent me a bill for {$170.00} and it continued to leak, causing extensive damage to my roof! They had installed the panel so knew the age BEFORE they said they could fix it and took my {$630.00}! Then they turned over the account to Transworld Systems , Inc. Collection Agency for collection! I was lied to and taken advantage of.
I tried for 4 months to get a forbearance or an income based repayment plan. I sent in the paper work needed and for four months they kept telling me that I needed different paperwork to be completed. In the meantime, my student loan went into default because they kept jerking me around when I was trying to keep it out of default. The IRS ended up taking my 2016 refund because Navient allowed my student loan to default thru the never ending process of an income driven repayment plan. I ended up calling another student loan service called XXXX to consolidate my student loans and to get them out of default. Navient ruined my credit and also took money from me. I feel I am entitled to a refund because of their negligence and incompetence.
I have recently received an alert from XXXX, identity theft protection, informed me that I was late on a payment for a credit card. After calling XXXX, they informed me that the account related to that matter was with City Bank. Quite a surprise to hear since I never opened a credit card or an account with City Bank. 
I was advised by one of City Bank supervisor, after a two hours on the phone, to send a fax to CBR Dispute. 
After a few weeks, I did received a letter from City Bank, asking for a copy of the credit report and my XXXX digit credit card number. AGAIN, I never opened an account or credit card myself with your company, therefore I m not able to send you those numbers since I do not have any card in my possession.