WillisBack/dataset-financial-user-claim huggingface dataset:
I received a {$100.00} non refundable legal fee on my checking account because California Child Support made an error in sending a Levy to the bank that should not have been sent for a past due balance on Child Support. I have made my Payments on time each pay period. First Tennessee charged {$100.00} to process a {$290.00} levy that was an error. I called twice on XXXX-18 at  approximately XXXX-XXXX. They told me that even if it is an error they werent going to waive the fee because its non refundable. This totally wrong and another example of a bank abusing its Financial Power.
I have been making payments to XXXX ( XXXX ) to : XXXX- XXXX accounts- XXXX should be XXXX\These accounts are showing XXXX days late
The payment history states I was late making a payment in XX/XX/XXXX. I made the payment on time called 9+ times to the creditor directly, spoke to XX/XX/XXXX and got it corrected only for it to revert back.
I filed a Ch XXXX in 2004. I did not reaffirm my debt with Regions Mortgage. But, in violation of the Bankruptcy Stay, Regions reported that I missed XXXX payments after the bankruptcy. Then Regions transferred the property to XXXX Mortgage who wrongfully reported that I missed XXXX payments.
XXXX, XXXX  AND TRANSUNION ARE posting unauthorized inquires to my credit report : XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX/XX/XX/XXXX/ XX/XX/XXXX/ XXXX/XXXX  XX/XX/XXXX/ XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX THE FOLLOWING ADDRESS IS NOT MINE I NEVER LIVED HERE : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX THE FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX purchased as a debt buyer an HSBC account XXXX which was already in default but agreed by HSBC not to be my debt due to Identity Theft. Unfortunately in XX/XX/2013 XXXX XXXX took the position that they acquired this account and started a brand new collection action. I have notified XXXX XXXX within 30 days that this was not my debt and requested validation. In addition I requested : 1 -- validation of the debt balance ; 2 -- the date this account first went into default ; 3 -- the date of very last payment received ; 4-the name and address of the original creditor who charged off this account and the date when this creditor purchased this account ; 5 -- the original application and file evidencing my signature that this was my debt.Since I never received full and detailed answers for these 5 questions, I am hereby demanding such detailed validation again.
My doctor sent me to have a XXXX done prior to my XXXX. The doctor that performed my XXXX ordered me to have XXXX done. I gave them my insurance card. 
I do not understand why one year later they sent me to collections. I found out when I checked my credit score. 
I immediately called this collections office and asked what was going on. The lady that answered the phone said they sent me letters in the mail but they were returned. That is not true because I never received anything and I never sent anything back either. She said she was going to send me paperwork in the mail for me to review about the visit. And this was 2 weeks ago XXXX XXXX and I have not received anything. 
I also called the same day the place where they did the XXXX and I told them I had health insurance and I did not understand why they did not bill them. She said it had been longer than a year so they could not do it. But that is not my fault they did not do it. I had health insurance since XXXX XXXX, 2015 and at the time of that service my insurance was paying 80 % and I was responsible for the remaining. 
I have not received anything in the mail explaining to me why they failed to bill my insurance. I have proof I had insurance at the time of service, and it would have been really stupid of me not providing them with that important information when I went there to have a XXXX done. 
If I am requested I can show proof that I have been insured since XXXX 2015 I know I am responsible for 20 % of the debt, and I do agree with it completely. But I am not liable for the whole amount. 
I will pay what I am responsible for.
On XX/XX/2019 I called and spoke with a Very Rude employee who just kept over talking me and claiming i owed XXXX for a Cell Phone. I ask them to send me proof and they will not
I never have had any credit cards in my life ever. This is completely id theft. I never applied any credit cards what so ever.I am a female with XXXX children 's and I never have had any job to support the credit cards payments etc. am house hold women.
Costco Wholesale Club has changed credit cards accepted from XXXX XXXX ( XXXX ) to Citi Bank XXXX XXXX. When I joined Costco, I was not given any choice as to the credit card I was required to have as the XXXX account was required to bill my membership. Recently Costco/XXXX opened an account with Citi in my name, forwarding all of my personal credit information ( name, date of birth, social security number, address ) to Citi without my knowledge or approval. 
Upon discussion with Costco, they informed me that when I signed the agreement with XXXX, it had a clause that allows XXXX to sell my information to any credit card company. When I joined Costco, I was required to get an XXXX account to join the club. Again, this was not my choice to open an account, but I wanted to have a Costco membership. 
When the XXXX bill for my Costco membership came to my home, I paid the membership fee to XXXX. A month later, I got a bill from CitiBank that had several transactions in the bill, and an outstanding balance of {$.00}. When I called CitiBank, they informed me that the payment was late. I immediately canceled the card.
wells fargo bank mortgages, forced home owners insurance, stole funds from my acount lotts of excesive charges, set up a acount that idnt no about the bank said it was a funds holding acount, the bank held onto a co signed insurance cheque for damage i had repaired, the bank sent XXXX large checks from my escrow acount to my insurance company that was already paid then sent the returned cheques to a holding acount then put me inforclosure with no missed paymants acount in credit fraud and perjury committed by wells fargo bank crooks
I have been trying since XX/XX/XXXX to remove a security freeze that I do not recall placing. To date, I have been unable to remove this freeze. I've called the number only to get circled around in the voice mail XXXX. Several times it says I can place a freeze but I can't remove one which is exactly what the online data said. Everytime I apply for credit that uses Equifax, they aren't able to process my application but it still counts as a hard pull on my credit report. I applied for a XX/XX/XXXX card 2 weeks ago and they weren't able to verify my identify and my credit score decreased 11 points just due to this. I've applied for credit four times in the last 2 years that uses Equifax and no one has been able to verify my identity and yet it still lowers my credit score. Again, I've tried multiple times to remove this including the online system to no avail. The online system asks me my name, address, SS no, birthdate and then proceeds to tell me that they can't find my credit file BUT it asks me if I want to PLACE a credit freeze and actually will allow me to do so BUT to remove a freeze, they suddenly can't find my credit file. This is ridiculous! I've been trying to remove this freeze since XX/XX/XXXX!!!!
CHASE CHARGED OFF THE ACCOUNT THAT WAS PAID AS AGREED ( BY MY EX SPOUSE ) WITH NO LATES ... .IT IS DAMAGING TO MY CREDIT REPORT AND IT IS STILL REPORTING A BALANCE DUE ... THIS IS NOT MY LIABILITY IN FIRST PLACE!!!
Calls up to 11 times per day, but hangs up when I answer, or never leaves a message. I work swing shift, so they call either when I 'm asleep, or at work, where I can not answer their calls. Cease and desist letter sent a month ago.
I own an investment property and at one point obtained a second mortgage on the property which was later paid off. After the financial meltdown in 2007, mortgage holder went bankrupt. Unfortunately, since the event took place more than 10 years ago, I do not have any documentation that shows the release of the lien by the mortgage lender upon my full payment. Years later, Real Time Resolutions now demands payment on the loan which had an original principal of {$41000.00}. Real Time Resolutions " claim '' that they now own the debt but did not provide an evidence of chain of title. 

I refuse to pay twice for the same debt which is already been paid, and urge Real Time Resolutions to release the lien on my property.
I have gotten harassing phone calls for the last two weeks regarding a supposed debt that I have with  XXXX   XXXX , this was resolved with  XXXX   XXXX  approximately  XXXX  years ago. Now myself as well as family members, are receiving harassing phone calls and voicemails regarding this supposed debt. The supposed law firm that keeps calling is  XXXX  and  XXXX  in  XXXX  California. The gentleman told me that this is an amount of {$1700.00}. They told me that they sent a letter to my home address ( of which I never received ), and now are going to garnish my wages through my employer. The phone number they told me to call is  XXXX . The reference number I have been given is  XXXX . I want to get this resolved, however I do no owe this money.
Diversified consultant ( bill collector ) calls me and go through the usual acknowledgment process. I tell them I am not interested in taking care of the bill. They would say okay be we are just trying to keep this bill from going on your credit. I told them to let it go on there and they said okay we will remove your number. I have over 7 to 10 blocked numbers from them and the lastest block is from today at XXXX.
I am receiving phone calls from ERC from their XXXX phone number as early as XXXX in the morning. I have called them multiple times asking them not to call me that early as it is outside of the XXXX and XXXX time they are legally allowed to call and they say " we do not call before XXXX '' and keep calling me early in the morning. I have proof of their calls before XXXX and would be happy to provide it to your agency.
I had complained to XXXX XXXX and filed a complaint with CFPB regarding to fraud and activity on my XXXX XXXX store card. XXXX XXXX sent a notice that it would be resolved within XXXX days since XX/XX/XXXX. It has been XXXX days and it hasn't been resolved however they are trying charge me monthly charges of {$27.00} and the available balance is still wrong and fraudulent.

As you will review in XX/XX/XXXX statement I have a balance of {$500.00} and then in XX/XX/XXXX there is a balance of {$390.00} which I didn't make any purchases. On the website they have a charge of {$140.00} and a balance of {$100.00} out of {$500.00}? ( See attached ). This is stressful and causing me anxiety and XXXX XXXX responded to CFPB and I however refuse to repair or fix this issue after waiting for XXXX days ( See Attached ). XXXX is continuing to be fraudulent.
PAYPAL Purchase : # XXXX Date : XX/XX/2019 SELLER : XXXX XXXX XXXX XXXX Requesting refund because the seller is defrauding people is the first problem and the second problem is getting through to Paypal. 

Everytime I call Paypal the phone just rings for a minute then hangs up. Something for their online chat. They chat for a minute then it drops. I tried to file online but since the transaction went through paypal on the sellers end it does not show up in my account. I had problems with signing into Paypal. 

They need to know that these people are defrauding others. 

I purchase a course for XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX XXXX  XXXX XXXX. To get the course you had to purchase their materials at {$490.00}. 

They send you a complementary certification to attend with the materials. Now I am being told that I must pay for the 2-day event. Its a very clever scam that they are doing as you will see from the attached documents I am demanding a full refund. I am not paying more then what the purchased price. I also feel misled and feel that the trust has been broken. I have attached everything needed to review. 

XXXX XXXX is not responding to my emails They have an obligation to me since I purchase their product. I am attaching screen shots of the issue with this report
The attached letter to Wells Fargo explains the problem in detail. When this letter was sent to Wells Fargo, it was initially ignored. It was sent again, with help from a local news station, and this time I received a response from the bank stating that they will never refund me any money from this.
On  XXXX   XXXX ,  2015 .  XXXX  reported a debt collector on my credit file named   XXXX   XXXX   in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. Thank you.
An inquiry dated XXXX XXXX, XXXX is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my XXXX report the company name is XXXX XXXX XXXX, On my Expieran report the company name is XXXX, XXXX XXXX, XXXX XXXX 

Also, I 've called and sent XXXXx a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.
No Contract Company has not Verified the debt according to the Federal Guidelines of The Fair Debt Collections Practices Act.
Car was repossessed in 2009. The account went to a collection company which I paid. Now currently, Jefferson Capitol has recently added the debt to my XXXX and XXXX credit files. I have never heard of or received anything from this company. I paid a different company back in 2009. This company just re-aged a paid account from another debt company and reported it on my credit which I know has to be illegal.
On XX/XX/18 I received a call from Mrs. XXXX XXXX Chase to tell me that their response to my original complaint will stand and that they will not change their response. She stated that Chase policy prohibits holding payments even though that was precisely what XXXX XXXX did to me. She continued to accuse me of being " behind payments '', " not paying '', " fail to pay '' and more just as they have done in their response to CFPB. I reiterated that " Forbearance Program '' means that the customer will miss a certain amount of payments ( hence the name of the program ) and that these payments will be repaid at the back end loan, Mrs. XXXX and Chase seems to have a disdain for those who customers who enter the program and stop at nothing to harras, threaten, hold payments, write accusatory letters, and make phone calls just like the one on XX/XX/18.
Wells Fargo serviced my loan through  XXXX 2015, during which time I was involved in a Chapter   XXXX    Bankruptcy. I have requested on numerous occasions that Wells Fargo provide a complete detailed payment history from when they serviced the loan, since I have disputed the balance of the account. Wells Fargo has refused to provide the payment history, stating they have no obligation to do so. Wells Fargo is in violation on RESPA and CFPB loan servicing law. I am seeking your assistance on this matter.
I got connected with a so called reputable firm called " XXXX XXXX XXXX XXXX headed by XXXX XXXX ( and another guy called XXXX, I think ) They sold me on how they deal with XXXX XXXX XXXX with home modifications. First I qualified for one Harp? and the other one. 
Well, I sent in tons of paper work and resubmitted because XXXX XXXX XXXX ( XXXX, according to XXXX XXXX which I will use. And XXXX XXXX XXXX wanted revisions and revisions. Well it seem this group was n't doing so well because this went on for month. Finally, I mysterious got a Pre Loan trail for XXXX months in XX/XX/XXXX, many month later than when I applied. 
This company assured me I could get qualified, so I put up the {$3300.00} bucks, like a stooge. I wans told to sit tight and XXXX would contact me about the modification. XX/XX/XXXX ... ... ... to XX/XX/XXXX I was sitting tight waiting. No updates at all for anyone. No interest rate and no balance, etc ( Whatever happen to Truth in Lending? ) Well, some time XX/XX/XXXX? I was supposed garnet a modification, but XXXX was smart they knew they did n't follow rulesproperly and conveniently sold the mtg to their subsidiary Carrington to finish their direct work. 
I have been in the dark unable to speak to anyone about, interest rate and what my mtg would be. Well I got my pre-trial payment notice very cast {$980.00} from $ XXXXI kept called the XXXX and got referred to Carrington and they did n't even know where the mtg was.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX XXXX XX/XX/XXXX REMOVE XXXX XXXX XXXX INQUIRY FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Wells Fargo has a post on my Wells Fargo account I have a mortgage with Wells Fargo. Wells Fargo has been notified multiple times. I did not sign a mortgage with them. The documents show my signature is not on the mortgage. I have an attorney, XXXX XXXX, XXXX. 
I want it immediately removed from my credit reporting XXXX agency and my Wells Fargo account. This is fraud. I am prepared to take this fraud to the media. This fraud needs to be removed immediately, to prevent further legal actions. 
I did not sign a mortgage with Wells Fargo for mortgage.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than XXXX  days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The accounts in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 0XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX indiana I borrowed XXXX from multi source payday loan company can not contact anyone from this company they send no email to let me know they are taking more out each month so far I have paid XXXX $ on this XXXX loan
On this date XX/XX/XXXX I contacted the Financial Hardship Dept. of Discover Card, XXXX asking to be enrolled in the Payment Assist. Program because I can no longer afford paying Discover {$97.00} a month, I was denied of the right to have access to the assistance program stating that XXXX does not have such a program and they could only lower the interest to 12.99 % if the account was suspended and I have to disclosed my bank account information and pay them immediately another {$97.00} before the due date of my next monthly bill which is XX/XX/XXXX. Please investigate as I find Discover Card has corrupt business practices and should not deny assistance when a consumer initiates the first step in good will to stay in good standing. Thank you.
To whom this may concern, I am a Citi bank card holder, the type of card I have is the Citi thank you card. One of the perks of this program is that you can earn reward points for eligible spends, which can then be transferred to airline frequent flier accounts or hotels etc. In this program, family and friends have the ability to share points with each other. I had an important upcoming travel, a couple of my friends have chipped in their points, to make this travel possible for me. I logged into my Citi account to transfer the thank you points to my XXXX XXXX account. When selecting the airline I mistakenly selected XXXX XXXX. ( XXXX is an XXXX XXXX company as well, so this was completely human error. ) When I entered my XXXX program account number I did no not receive any pop-up or notification that this account number is not correct. ( I have had this mistake in the past with other companies and always received an error notification, so this is clearly an error on CITI 's end. ) When completing the transaction I was notified that points will transfer to my airline account in fourteen days. A few weeks later, I logged into my XXXX XXXX account only to notice that the points have never arrived. I then logged into my Citi account and noticed that my thank you points were not there as well. After several calls to Citi the representative has informed me, that when points are shared there is a sixty day timeframe to move the points out, or they will expire. I tried explaining to the representative that I have indeed transferred the points within the proper time frame, and followed all terms and conditions. Being that there was no indication, at the time, that the account number was not correct, I did not know that the points bounced back to the account, and that I would therefore need to transfer the points again. I called back and tried speaking with a different agent and was told that the reason why the points never showed up was because I tried transferring it to someone else 's account. When I offered to send them a screen shot of my airline account showing my name with the exact spelling as they have it, they suddenly changed the story to other excuses. I have tried calling a lot of times to explain my situation. I spoke to a supervisor, as well as I have mailed in a personal letter to one of their main offices. I was told that they will look into the matter, but eventually nobody did anything about it. I feel that being that I am a small man against a big company, they can take advantage of me. I did the transfer within the timeframe, and made a human error with the account number, I got no indication that it was wrong, and before I knew it my points were gone. I did whatever i can possibly do within my power, I am not a rich man, and I have literally cried myself to sleep, as the value of these points are equivalent to a ticket of {$5500.00}. I will sincerely and greatly appreciate it if someone can help me get my points back, and defend my rights. I thank you so much for such an amazing agency and taking the time and patients to read my long letter.
Capital One stopped reporting my balance to the credit agencies for over a month. They last reported it at the highest balance on my card and then proceeded to never report it again thereby crashing my credit score. I've never paid late and pay in full every month. It appears to be almost deliberately hurting a customer by reporting their highest balance and then failing to report ever again.
I was in default, a company set up a payment plan and told me once I was out of default the place that bought my loan would contact me and I could keep my {$5.00} payment. This never happened. When I was caught up Navient had my loan and put my payment at over {$650.00}.