WillisBack/dataset-financial-user-claim huggingface dataset:
Creditors collections bought the contract from XXXX. XXXX claims I broke the contract with them when in fact XXXX  broke the contract when they sold there company to XXXX. I received a letter from XXXX  telling me to switch to XXXX  so that is what I did also XXXX closed all of there stores. I do not feel I broke the contract when I did what XXXX told me to do it was only after the fact that XXXX told me I would have to buy out my contract if I had been informed of it I would have left it alone. Again I did what XXXX told me to do and that was XXXX is now XXXX   and switch.
XXXX report says : XXXX  on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them. 



XXXX report says : XXXX XXXX XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXXgave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.
Company is attempting to collect on a fraudulent private loan that I was forced to take out by the XXXX XXXX XXXX XXXX XXXX. I have submitted a complaint regarding this in the past. Please see case XXXX. I have attained legal representation regarding this act of theft. My legal counsel instructed me to obtain a copy of my original promissory note. This has yet to be delivered. Navient actually sent me another students promissory note in one request ( Breaching that students right to confidentiality ) and completely ignored my second request. With that being said, I am demanding I be released of all liability regarding this dept or I will urge my lawyer to take this case alongside many other to court in a class action toward the XXXX XXXX and navient.
Moved to XXXX due to not being able to find a XXXX job in XXXX as a XXXX in XX/XX/2015, income became much lower, wells fargo has not helped with lowering my payments. I am struggling to pay for my private loans as well as my federal loans and I feel it is unfair that I went to XXXX school and now suffering and working 50-60 hours a week to pay my monthly loans. The lowest they have gone is $ XXXX/ month but increased my interest with out taking into account my monthly rent, car payment, and federal loans. I feel like wells fargo is not working fairly with me to help me or advocate for me.
Central Financial Control AKA Syndicated Office Systems has been attempting to collect a debt that was paid or should have been paid by insurance ( XXXX ) had XXXX ( ORIGINAL CREDITOR ) billed insurance accurately. I had 100 PER CENT coverage for XXXX at XXXX. 
Instead I am harmed credit wise by the collector for designation and publication of this debt..
I have a private loan with Navient and graduated school in XXXX 2016. When i graduated I was unemployed, and when they contacted me to begin making payments, would n't offer me any affordable options. The payments they expected were around $ XXXX, with the option of extending the loan and bring it to around $ XXXX, which is still not affordable to someone who is unemployed. I tried to pay what i could afford on numerous attempts, but what i suggested was turned down. I have also been harassed with phone calls and voice mails that were left in a threatening tone. Multiple people close to me have also received non-stop calls from Navient representatives.I feel like there should be options for people who ca n't afford the monthly payments, but still want to pay what the can afford.
I had fraud complain it was resolved in my favor when i went ot get refund balance on my account it was reversed Hi i have had fraud hit my XXXX XXXX credit card new card number is XXXX since XX/XX/XXXX i have been requesting a reffund check it was approved by fraud investigations dept to be mailed out and every time it was approvex the same dept disapproved it afterit being approved XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX on XX/XX/XXXX i was rebiled all fraud charges from almost a year after being promised that it was resolved in my favor over ten times. without notice no phone call the day before of the last request promised no shadow of doubt it was already mailed already mailed i w was rebilled and now am showing i owe a XXXX balance on my accunt and i was rebilled over 2000 dollars wiht no explanation and i had real fraud hit my account and i will not accept a reversal a year later because they did not want to give me my refund they said nothing for 7 months until i requested a refund.I was tldthe check was mailed and lost in the mail on XX/XX/XXXX by customer service but it seems nobody documents anything, i was told it was definetely mailed wait 15 days, now boom rebilled I will followup with the FTC and consumer finance i will not stop they are crooked and dont know wha tthey tell their customers nobody in thier dept are informed or trained either. The direct address to fraud analyst dept is XXXX XXXX XXXX, XXXX fl, XXXX, and phone XXXX and XXXX
On   XXXX   XXXX  , 2017, I went to the   XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX  branch of Citizens Bank of Pennsylvania ( hereafter, Citizens Bank ) and opened a Clearly Better Business checking account. I worked with a bank representative to open this account. During this process, I explained to the representative that I did not want overdraft protection. I understood that Citizens Bank could charge fees for paying my overdraft charges, and I did not want to pay these fees. I was told by the representative that my account would be configured such that overdraft charges were not paid, and therefore no fees would accrue.
On  XXXX / XXXX /2017, Citizens Bank paid a charge to my account that resulted in an overdraft fee of {$39.00}. Subsequently, on  XXXX / XXXX /2017,  XXXX / XXXX /2017 and  XXXX / XXXX /2017, Citizens Bank charged Sustained Overdraft Fees of {$30.00} each, for a total of {$120.00} in fees following a single overdraft event. I can provide screenshots of my Citizens Bank online account homepage to substantiate this.
My complaints are as follows : 1 ) Citizens Bank intentionally misled me during the opening of this account. I was told no overdraft service would be provided, and no corresponding fees would be charged. This was false.
2 ) Regardless of whether Citizens Bank agrees with # 1, above, Citizens Bank violated its own terms when charging Sustained Overdraft Fees. On page 9 of the Business Deposit Accounts Fees and Features document provided to me when I opened my account, under the Sustained Overdraft Fee heading, the document states, If your account remains overdrawn for 3 or more consecutive business days, on day 4 we will start to charge a Sustained Overdraft Fee of {$6.00} per day for each day it remains overdrawn up to a total of {$69.00}. The Sustained Overdraft Fees that Citizens Bank actually charged are not calculated in this way ( the {$6.00} fees that Citizens Bank claimed it would charge can never multiply evenly into the {$30.00} fees that Citizens Bank actually charged ). Further, Citizens Bank has thus far charged a total of {$90.00} in Sustained Overdraft Fees for a single overdraft event, far exceeding the stated cap of {$69.00}. Citizens Bank has therefore violated the terms governing my account, as stated in the document that Citizens Bank itself provided to me at the time I agreed to open the account, in an intentional effort to defraud me out of additional monies.
3 ) Citizens Bank did not inform me via USPS mail or email that an overdraft had occurred, or that Sustained Overdraft Fees were accruing. I only realized this because I logged into the Citizens Bank website for an unrelated purpose. Citizens Bank intentionally did not notify me of an overdraft in an attempt to maximize the time until I could resolve the overdraft during which time the bank could continue to accrue fees for itself.
Well i was going thru a hardship on paying my negative balance to chase bank my son was XXXX so i was very out of money so they wnd closing my account and puting me in XXXX making it hard for me to get another accoun any were but im back working so im able to mange the account that i will get when i can
Got a small loan through XXXX XXXX and lost my job they did n't work with me took me to court I tried paying it and just could n't make the payments they want i got a new job and they keep calling my work place even after I have ask them to stop now I am about to lose my new job.
1 month ago Equifax leaked my ( and millions of others ) Social Security number and other private information to hackers. Equifax failed to notify me of the breach, and like most other Americans affected by this breach, we only heard about it in the past week from social media and television. 

Now I must freeze my accounts, pay a credit monitoring service to notify me of fraud, and possibly look into changing my social security number depending on how many people now know it.
On or about XXXX to XX/XX/XXXX, my gas card was stolen. I had that card since XXXX and never had a problem until it was stolen. I notified XXXX and they did not remove the fraudulent charges. I emailed them, sent them letters, called them, however they did not stop the card which was being used in Mississippi. I had automatic payments coming out of the bank account so as not to ruin my credit and stopped those to try and resolve the problem figuring that would cancel the card. Of course after not paying they sold the account to Midland, instead of reversing the charges. Midland filed a lawsuit XX/XX/XXXX, which they stopped because of my Motion to Compel Arbitration. I filed a XXXX Arbitration and paid the fees per the credit card agreement, however, Midland refused to pay their fees and refused arbitration. I informed XXXX  of the stolen credit card and fraudulent charges. Midland stated in their lawsuit that because the dispute was untimely, the charges stand. Well, they were not untimely. Midland is damaging my credit. XXXX credit card agreement states all disputes will go through arbitration and Midland broke that  agreement by not following me into XXXX. Also, Midland is using XXXX as one of their Names to report their collection even though all information is Midlands.
My credit have been drastically affected by a debt that I am not responsible for. Received a letter XX/XX/XXXX stating I had a balance. In XX/XX/XXXX I notified them of a court order where I was only responsible for 50 percent of the kids medical bills and any bills occurred during marriage They still continued to contact me constantly. I was never notified of pending balance before collections. I requested validation and they sent another bill and failed to follow FDCPA laws I paid over half of the bill to XXXX which I was not responsible for while waiting validation. XX/XX/XXXX I received another collection bill addressed now to my ex husband who is responsible and I sent info on how o contact him for this bill he is responsible for. This is now unfair harassment, failure to follow court order, failure to follow FDCPA.
This is the third time i am trying to get a response as to who called me ... they represented themselves as XXXX, mediatator for them. XXXX said they sold this debt to XXXX XXXX. Then under XXXX request I ask for this to be investigated. They said you did not provide a phone number. so this case was closed. So here is entire first complaint with phone number so this can be investigated. : : : : : :received a call from a friend today stating that XXXX XXXX her to tell me i would be receiving a lawsuit paperwork and they needed to contact me to deliver. They also called both my sons from a blocked number with same information. then a lady called me and said I was being sued and they needed to tell me to be home monday ( they had my address XXXX to receive the papers. She gave me a number to call. No company name. I called XXXX and was told to give them a number -- XXXX which i did, they had my full name and social and said they were a mediatation company and that XXXX were sueing me over a debt I owed. They said they sent a letter in XXXX last year. I said I never got a letter.. I said I had a credit card in XXXX, but it was a time barred debt. They said I had made a payment in XXXX and they had 10 years to sue me for the debt and I said they did not and they hung up on me and that they were a mediatation firm. It is my understanding that I was living in california at the time and it was a 3 year time limit on consumer debt. I live in alabama now and it is 4 years. From what I see it is time barred. I also went back in some old files and found that I had responded to Portfolio rec assoc about a XXXX # XXXX acct they were trying to collect from a letter XXXX XXXX and sent them a certified letter which they did not respond to.sent XXXX of XXXX in which they alleged that I made a payment in XXXX, which I did not and looked at my old bank records going back to XXXX XXXX. Please help. I feel that they are scamming me on a time barred debt that was sold and was a zombie debt. thanks. 

please call the phone number and find out who called me. as also per first complaint I attached a copy of correspondence sent to XXXX years ago asking for verification of debt which protfolio never responded to this. 
I understand that the debt goes on forever, but they misrepresented themselves as not portfolio assoc / but as a company that represented XXXX as a mitigation firm and would be sending lawsuit papers on monday. They called relatives and a friend.this is illegal as they can not reage a debt and try and collect in this manner. They never sent any papers. I want XXXX dollars because this is illegal. I want you to find out whose number that I called which stated all those things to me. They refused to give me any information just to expect papers that monday. the XXXX is again XXXX and was told to give them a number -- XXXX .... Please handle this appropriately as this is third time for same complaint ... 

XXXX XXXX
These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the ER and on their constant harassing and threatening phone calls, to no avail. I am now a 100 % XXXX veteran living off of XXXX and declared " unemployable '' XXXX. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX and this does not help XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.
On XX/XX/XXXX we mailed our payment in to Freedom Mortagage. The company had not posted our payment to our mortgage account by XX/XX/XXXX, so I had contacted the payment processing number for the lender. I was advised that on this date they had not received our payment due to it not showing in the system. I contacted them on XX/XX/XXXX as well with the same response from Freedom Mortgage. Finally on XX/XX/XXXX they had posted our payment to our account, but it had been initialed that it was received as of XX/XX/XXXX. This is not the first issue that we have had with severe delay in processing our payment. We were not charged any late fees, but due to being required to mail the payment in, it caused undue stress to my wife and I during the holiday season because we were worried if we needed to send in another payment or play the wait and see game. If I am seeing the correct information regarding this type of issue is that it is required to be posted the same day or the next business day after it is received.
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX. 
XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
I'm trying to close a chargeback that I filed with my card issuer. My card issuer already closed the chargeback but PayPal hasn't. I filed a chargeback with XXXX because of a problem I had with an order I placed through PayPal. I closed the chargeback case through XXXX but PayPal still hasn't closed it yet and that is affecting my refund status. I filled out an affidavit form that they requested but they still haven't closed the case yet. The merchant that I ordered from through PayPal says that they will only refund me once the chargeback is closed. I really need this to be resolved as soon as possible so I can get my refund. 

PayPal Claim ID # XXXX Transaction ID : XXXX XXXX email : XXXX XXXX
the inquiries are unauthorized and that I want them removed from my credit report.I contacted Equifax by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.XXXX put a Identity Thief on report due to the unauthorized inquiries.
On XXXX//XXXX/2018 my daughter informed me that {$3000.00} was being held from her bank account because of a court order. After calling her bank we were informed that XXXX XXXX on had a court order to collect funds from a judgement but instead of going after me ( My money is exempt from collection because it 's a pension ) they went after my daughters account which was money from her XXXX student loans and financial aid. My daughter is XXXX. They account was opened when she was XXXX. 

I never received a copy of a complaint, nor any judgement paper work. I had no i idea about this. I was never served with a summons
Experian is currently reporting on my credit report an account from XXXX XXXX. This account is for XXXX XXXX in the amount of XXXX dollars. This file is incomplete and inaccurate. The account did not arise from a written contract between myself or any of the above mentioned parties.
I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX, account ; XXXX, this account is not mine. 
2. XXXX, account ; XXXX, this account is not mine. 
3. XXXX, account ; XXXX, this account is not mine.
I had recently checked my credit, and had verified that it was in good standing. I was surprised that when I visited XXXX 's website, I was unable to finance a phone purchase, even though the price was so low. I was also shocked to learn that the bank had put a hard credit pull. This was not disclosed on the web site that I visited.
Freedom Mortgage took illegal funds from my Escrow to pay late fees on taxes that their Company was required to pay. I have been trying to get my Escrow straightened out since XX/XX/18 with the company. They keep on messing with my Escrow and make my payments go up every month.
XXXX XXXX XXXX is trying to collect on an alleged debt that is reporting on my credit report by Gm Financial as a profit and loss writeoff but is showing a balance of {$2700.00}. I have requested debt Validation and it was not properly validated by XXXX XXXX XXXXXXXX. I also disputed with all 3 credit bureaus and it cameback as verified. However, when I requested Method of Verification I received nothing. I would like for Gm Financial and XXXX XXXX XXXXXXXX to stop trying to collect on this alleged debt and to remove it from my report and all 3 credit bureaus.
XXXX XXXX I was removed from lease which relinquished my responsibility to the property. XXXX XXXX XXXX issued a debt collection- without notification of debt- in my name as well as the other party. I spoke with the management for the apartments and I was told that I should have not received a collection and that they would notify the collection agency. This was in XXXX. I have disputed the collection 3 times and it has been denied saying all information in correct. The collection agency is Quantum collections.