WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX my spouse went to withdraw money from our checking account at Chase. Upon doing so, it was discovered that most of our money had been depleted from bot our checking and savings account. My spouse immediately went into the bank and notified them that 2 unauthorized transactions had occurred on our account. One was to XXXX XXXX in the amount of XXXX and the other was to XXXX XXXX in the amount of XXXX. The bank was informed that we do not have accounts with either of these companies and did not make payments to either of them. 
On XXXX/XXXX/XXXX, Chase granted us a temporary credit of XXXX while they researched our disputed claim. On XXXX/XXXX/XXXX, I was informed that they had researched our claim and that since the payment was made from our IP address, that they would be reversing the credit. Since I do not have accounts with either of these companies, I asked if they had disputed the charges with them. I was told that I had to dispute the charges myself. I attempted to dispute the charges with both XXXX XXXX and XXXX XXXX, but neither company can assist me without account numbers. Since, I do not have accounts with them, how can I dispute charges with out an account number. I am trying to get this information from Chase, but have not been successful!
I am currently a student loan holder with Navient. I have for years now been fighting with them to provide paper work for the life of my loan which has not been available to me until just recently. I questioned the balance many times with them and the payments that were applied often did not match with the overall balance, payments were not being applied correctly. When I questioned the company I was given many different excuses that really made no sense. I was also told that my cosigner could be released from the loan and that has still not happened after making 8 years of payments. This loan continues to make no sense and I believe due to payment malfunctions/neglect the overall remaining balance is incorrect and many payments have been applied incorrectly impacting the interest and principal.
I have sent several letters to the three reporting agencies and to AES/PHEAA about this account. I have asked for original paperwork to support the loan. All I have received is a promissory note. I asked for all paperwork with my ID attached. Never received what I asked for. As I periodically checked my credit report, I noticed the account was closed and transferred. I filed my taxes and found out the day that I was to receive my refund that it went to the Department of Education. How can they collect when they closed out the accounts and transferred to what I found out is XXXX XXXX XXXX? I called AES/PHEAA on XX/XX/XXXX and they told me they closed out the loan and transferred to the collection agency. Again, how can they collect on a debt when they no longer own? The lady I spoke with on XX/XX/XXXX told me that a letter was sent to me dated XX/XX/XXXX stating that I had 65 days to take action. I told her that I never received it. She stated she could send me another letter. The lady also stated that she will contact my employer to garnish my wages. I spoke with an attorney and that is not legal in Pennsylvania or Texas. What good will that do? They already took my money and as far as I am concern, the letter comes after my tax refund was taken. The problem is collecting on a debt that they no longer own. If I had received the letter, I would have taken action. I never mess with the IRS or let anyone take my tax refund. And if XXXX owns this loan now, what happened to them contacting me, why does it not show on my credit report? AES/PHEAA should not be able to collect on debts they stated that they no longer own. On my credit report, these items show as closed/transferred. They should not be an exception to the rule when it comes to collecting a debt. They should be held to the same standards as all creditors.
Mortgage was transferred to another bank and incorrect charges were applied to my payments. I was in contact with the bank for almost   XXXX   months and then they reported me to the credit bureau. I attempted to refinance my mortgage and found I had been reported as delinquent by  XXXX  days for  XXXX  and  XXXX    XXXX  . I have since received a letter from the company apologizing and stating they will notify the credit bureaus within  XXXX  days. I need this resolved as this is the only adverse information on my account and I need to refinance.
XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of XXXX I have also asked that my inaccurate information be corrected and has failed to do so Please help me.
The company is XXXX/home improver card. I opened this account in XX/XX/2017. Limit was XXXX, I used for carpet in my house and a few other things, so therefore the balance went up. I never missed a payment, but i began to noticed each time I made a payment my balance was higher. I reached the XXXX limit, my payment was XXXX, I paid that, but the next month they would send a bill for over 2000. I requested they close my account. The account was closed with an available credit of around 35.00. But, again I received bill for over the limit of XXXX. I called and requested to get setup on online banking so I could print all of my statements. I was told the system would be down for 5 days and then I could access them, still could not. I have disputed with XXXX and added a 100 word statement. Also, the marketing, I am XXXX, when I opened this card the sales rep never told me anything about insurance for the card should you become unable to pay. I found this on my own, but I was too late. This is a predatory lender. I will never be able to pay this card off. They changed my minimum due amount 3 times as well. I called and asked why, they stated I had a return. I never returned anything ever. I need help with this, I can not pay this, I am XXXX   and they are deliberately robbing consumers.
My wife and I have a credit card with Chase ( in her name ) that had a {$9000.00} credit limit. We own a few small businesses and we needed a credit card to make some purchases and gave the card someone in our office to make the purchases. We told them to use the card until it reaches its limit. We expected the card to stop working when it reached it limit at {$9000.00}. Instead {$24000.00} in charges were approved. This is ok with us. We were investing into something and actually happy {$24000.00} was approved. 

Why we are complaining is that Chase now is reporting my wife as 245 % over her credit limit. This is not right if the limit was {$9000.00} the should not have allowed the account to reach {$24000.00}. We asked Chase to consider increasing the line to {$24000.00} or more than {$9000.00} and they have declined the application because this account is 245 % over its limit. Catch 22 basically if you can call it that. 

All we ask is they report the card as at its limit not 245 % over its limit. They refuse and now my wife 's credit score is poor when before it was good.
Hi, my name is XXXX XXXX and On XX/XX/XXXX XXXX XXXX   ran my credit without permission. Gateway Fncl needs to be removed as well because that case is closed. XXXX also needs to be removed
In XXXX XXXX I filed a complaint against Macy 's for gross mismanagement of my consumer credit account. The amount in dispute is {$2700.00} which I paid with official check in XXXX XXXX. Macys reversed charges in XXXX XXXX and in XXXX XXXX Macys admitted the matter was their own processing error following investigation by your bureau see [ Case number : XXXX ]. Macy 's acknowledged their internal error in writing and promised to take my account off their collections department calling list. With the matter still under dispute and investigation, and with full knowledge of their own internal errors, on XXXX XXXX, XXXX Macys posted negative statements to the credit agencies reporting the disputed amount with interest and penalties, as unpaid for 31-60 days. This immediately negatively impacted my credit report and my credit score dropped XXXX points within days. This matter is still under dispute and at the time of the negative reporting was still under federal investigation. Reporting it to credit agencies at this time and under these circumstances is malicious mismanagement of my credit. I demand Macys issue an immediate correction of this error on my credit report. Macy 's should not punish consumers for their own internal errors.
It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XXXX.XXXX.18 and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts.

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete.

Among the particular items of focus is the reporting of the following : 1. ) XXXX XXXX  ref # XXXX  late payment history incurred due to fraudulent activities on this account.

2. ) XXXX XXXX XXXX ref # XXXX  -- - this is not my account. I am not liable on this account. Delete this from my credit report.
On XX/XX/2018 Conns fraudulently submitted a payment for my loan to my savings account resulting in a non sufficient funds fee of XXXX XXXX dollars. I called Conns and was quoted a higher balance than I was suppose to have. I spoke to a representative at Conns about this matter. The representative advised me that due to them processing my payment and it returning due to lack of funds that the zero interest option would no longer be available and that I was now responsible for paying the interest on the account. I explained to the representative that I made my payment via checking account as I have done with every other payment prior to this one and what was the reason for them processing my payment via savings. The representative advised me that I chose the savings option for payment on the automated line. Be advised that the automated line system makes long pauses while making choices to process your payment and could of incorrectly have taken the payment in the wrong way. The representative advised me to send my bank statement in showing that I had the funds available in my checking account when I made the payment and that they would conduct a investigation. I called back several weeks later and was advised that although the funds were in my account they werent going to remove the interest. I feel that this was a deceptive practice by Conns to ensure that I paid interest.
On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and Trans Union ; asking them to correct errors on my credit report. XXXX and XXXX  responded with the corrections, but Trans Union has not yet responded. They are supposed to respond within 30 days.
Experian is reporting a collection with XXXX XXXX in the amount of {$420.00} and I never had any type of XXXX  bill for almost 500 dollars. This has got to be a huge mistake and it needs to be deleted.
I have purchased a 2009 XXXX in XXXX 2011 for XXXX financed it with Santander Consumer. Since paying on this car I have paid XXXX dollars and still XXXX, XXXX they are continually adding late fees, as well as a XXXX fee for every time you make a payment on-line. They have put close to nothing towards the principle of this car, it has al gone to Interest. I feel this is a predatory lender, this car should be down to at least half of that XXXX with all of the payments I have made to this point. they continue to add fees and take the full payment and put towards interest.
When I negotiated terms of the loan repayment after I separated from my spouse, the creditor began calling my spouse, which is normal. My estranged spouse gave them another contact number for a friend ; at that point, the creditor began to call them repeatedly, asking for me. 

I spoke to the creditor, and asked them thrice not to contact anyone but me when dealing with this issue ; I have since made arrangements to pay the balance in full to avoid any further contact, but the creditor still called my friend twice within twenty minutes to attempt to get them to contact me. Since I had made arrangements to pay the balance in installments, I have never missed a payment ... ever.
GC Services has violated FDCPA 809 ( A ) giving me notification of a debt on credit report I talked to XXXX from XXXX TX on XX/XX/2019 at XXXX where the collection agency is reported on my credit report but had to transfer me to XXXX where I talked to XXXX XXXX They verified 2 wrong addresses on my account. 
They never called, emailed, or sent any notifications to my address informing of any collection. I also have no contract with GC Services Under the Protection of consumer financial services chapter 392.202 ( C ) The third party debt collector admits the information is inaccurate and shall immediately cease collection efforts related to the portion of debt
The calls began a couple of months ago. My son received the first call- a woman asked for me- he asked for her information so he can relay who was calling- She began yelling at him stating to get me on the phone or I would be arrested and sued for an owed debt- the woman was aggressive so my son ended the call. Shortly after I received a call from the same woman ( before I knew my son had just spoken to her ) - She refused to say who she was or what my debt was- she demanded I give her my address and to prove my identity to her- I stated that was not going to happen- she became angry screaming at me so I hung up- my phone rang 3 more times from that number that night & every night since- there is always an auto generated voice mail saying to call wakefield & Associates XXXX for a debt in Colorado- I have never been to Colorado and do not have ANY past debt. The continual calling & harassing & screaming is out of control. Please advise what I need to do to stop this company from this harassment
This is an unsubstantiated, alleged debt with XXXX XXXX, who has now sold/handed over my alleged debt to XXXX XXXX XXXX XXXX without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists
The Equifax security breach came to light to the public XXXX,2017. I am unsure if I am effected yet ; I need to mail in my credit report request. It will be weeks before I know anything. The hackers are not yet identified, so I feel very vulnerable. Obviously computer security needs to be a number one priority at all credit reporting agencies. I would like to see all credit freeze/unfreeze requests be made available free from this and the other credit reporting agencies.
I became delinquent on my credit card bill k in XXXX. In XXXX I made arrangements with to settle the account for less than what was owed. The agreed that if I paid one lump sum the account would be marked as paid in full. In XXXX XXXX I received an letter from Portfolio Recovery Associates, LLC collecting on the debt. I sent a dispute letter and they replied with copies of my monthly statements from XXXX to XXXX. I received a confirmation letter regarding the status of my account but have disposed of it because so much time has passed. I have also switched financial institutions and do not have access to statements showing the payment. I am trying to receive a copy from the financial institute. The disputed balance is XXXX due XXXX.
Opened Td Bank Premier Checking account XX/XX/XXXX using link that advertised {$300.00} bonus. Followed all terms and didnt receive bonus. Contacted customer service on XX/XX/XXXX and they said I should receive the deposit by XX/XX/XXXX. Did not receive. Called customer service and was told they would look into it. Had to call multiple times and was first told I would have been only able to signup with a flyer ( false ). Then told I didnt sign up during a signup period ( which is false ). Every time I talked to someone I got a different reason why. On a side note, my boyfriend and I signed up at the exact same time using the same generic XXXX link and he received his bonus no problem.
A debt on my credit report that is handled by Portfolio Recovery Associates, I disputed by letter. They responded that they were investigating. When I got their result, I asked for verification of the debt. They never provided final proof of the debt. 

I sent a certified letter to them in XXXX and they did receive it. However they have failed to respond to my certified letter or further communicate regarding the debt. 

This is a violation of the Fair Credit Act.
BB & T claims that I am months behind on a loan, however, they have not provided me with loan documents, proof that this account is even mine. Only generic statements which have been e-mail directly from a processor ... 

When I attempted to add this loan account to my BB & T online profile the system claims that the account does not exist and although they claim to be mailing " demand letters '' and statements to me directly, I have not received a single piece of paper mail from BB & T AT ALL since the purchase of my accounts from XXXX ... 

I have closed all other accounts and was told by the loan officer that my ENTIRE balance due was deducted from my withdrawals and that should have been an end to it ; however, they still claim to have an additional line of credit that I do not have any knowledge of, is claimed to have been opened at a branch during a time I lived in another part of the state and they can not produce a single shred of evidence that it is mine. 

If I have a line of credit, I would like to have access to it, I 'd like to have it linked to an account or profile where I can manage it and monitor it and take advantage of the product as opposed to simply send money in the mail to voices on the other end of the phone who are demanding I do so ...
XXXX XXXX , Inc. has repeatly tried to collect money on an old debt that was discharged over 8 years ago with XXXX Bank. The amount is more than doubel the amount that was discharged and written off. 

I tried to call and explain to them they are doing something that is illegal rying to collect on a debt that was closed out over 8 years ago, but they were unreasonable andwoudl onlt accept payment. 

They sent me a offer letter to collect 60 %. Their letter states that they do not have legal recourse against me because it is an old debt and said they will continue to report an upaid balance to the credit rpeorting agencies. To me, this is extortion. They are reporting this a as a recent default and are ruining my credit. This is true text book backmail to get moeny out of me. I have contacted the attorney general 's office in California, the reporting agencies to dispute their claims and if need be, I will retain an attorney and sue them. Their parent company, XXXX XXXX XXXX has had numerous lawsuites against them for using illegal collection tactics, committing fraud by signing on behalf of the defendants they are trying to sue in court and filing false clains of having served leagl documenst on these ppeople they are trying to collect. 

I have a copy of the consent order file # 2015-CFPB-XXXX with United Stated of America Consumer Financial Protection Bureau where they were fined and had to pay damages for breaking many collection laws and unlawfully collecting fees from ovrstated interest rates, more than doubling and tripling the original debt and using extortion tactics to collect. They falsley filed with courts by deceiving the courts with inaccurate records. 

I am requesting that your agency look into this matter and do whatever is in yor power to penalize these crooked people who have ruined my credit and are tryingt o balckmail me to pay them for a debt that was over 8 years old, discjarged and amount more than tripled the orginal debt.
On XX/XX/XXXX I wrote to Equifax asking them to verify an account ( XXXX XXXX XXXX # XXXX ). They never verified the account and in fact responded that the account was not found on my credit report although I have proof that it was and still is reporting. I wrote a second letter in XX/XX/XXXX asking them to verify the account and included my current credit report with the account circled to show that the account is reporting and they responded " Please be specific with your concerns by listing the account names, numbers and the nature of the dispute. Please be advised that a 7 years extended fraud alert is currently reporting on your credit file. '' This is bogus because as you can see in the attached letter to Equifax, I was very specific and listed the name of the alleged creditor ( XXXX XXXX ), account number ( XXXX ), and the nature of my dispute ( PLEASE VERIFY AND PROVIDE METHOD OD VERIFICATION ). I am convinced that they can not verify this account, thus they continue to send me dunning letters. This is a direct violation of the FCRA and my Consumer Rights and I want this account thoroughly investigated with verification and the method ( s ) by which they verified. If they can not do that, it needs to be removed. I have perfect credit with XXXX and XXXX and have never had reporting problems with them. Equifax already has proven themselves to be untrustworthy among consumers and businesses alike with their data breach last year and I am convinced that they are not doing the right thing and it needs to be brought to light.
Spoke with Navient collection agency today again asking to lower payments. They asked to speak to my co signer who is approaching XXXX and is in XXXX at the moment. I proceed to make a long distance call only to have the representative ask my cosigner a bunch of questions that flustered her and caused her stress. I 'm willing to pay a lower payment without the help of my elderly co-signer who survives only on her SS income. She uses this money for her own expenses such as paying for medicine XXXX and XXXX pills also XXXX medication, medical and life insurance. Navient rep, then proceeded to hang up the phone on me refusing to help me further. I also asked to have my cosigner released but no assistance with that. I 'm truly disgusted at this point.
I received a letter in the mail stating I had a ticket that I owed money for. When I called to find out what they were talking abut they said it was for a speeding ticket in Illinois in 1999. I was nowhere near there at that time.
Direct express debit card company owes me XXXX dollars for breach of agreement for delivering my new MasterCard beyonthe two bussiness days express XXXX starting from issue date XXXX XXXX, 2016.
I do not owe any debt, and the collection company does not allege that I owe a debt. This debt collection company contacted me looking for someone else, and in doing so, disclosed that the other person owes a debt.
Convergent Outsourcing, Inc  is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.Convergent Outsourcing, Inc are in : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.