WillisBack/dataset-financial-user-claim huggingface dataset:
Hello. I currently have a collections debt showing up on my credit report from Ideal Collection Service for the amount of {$2800.00}. From my knowledge this was a lease break fee from when I lived with my ex fiance in XX/XX/XXXX XXXX XXXX in XXXX XXXX XXXX XXXX FL. OnXX/XX/XXXXthis collections amount was made. I never received any notification that anything was owed or I was in any type of wrong. I feel as if I should be given some sort of hardship break. As I try to make sense of my collection amount I wanted to see out of good faith if you were able to remove this off of my credit report. At the time I was going through a very hard break up with my ex wife and was forced to move as I could not afford the rent. I am currently getting back on my feet and plan to catch up with everything. 

Thank you for your time
I sold an item on XXXX. Trying to withdraw my money on Paypal on the XXXX XX/XX/2018. They have put it on a hold for 72 hours for no reason. They keep changing time frames and are just not releasing my money.
Have had several phones calls for a XXXX XXXX. This is totally not her phone number, never has been, nor does she live here. Why am I receiving her calls? I 've asked XXXX now to please not call this number again. It is the wrong number. Both times I was told this number would be removed, but no luck so far. Offending number this time was XXXX. Internet says it 's a debt collection agency.
We sent a letter to the credit bureaus, asking them to correct an error on our credit report. Well over 30 days have passed, and some of the bureaus have not responded yet.
Transworld Systens on behalf of XXXX XXXX XXXX XXXX listed an account that belongs to my father on my credit reports. Thecamount of the colkection listed on my credit reports is {$560.00}. I disputed this account to no avail with both the vollection agency as well as the credit bureaus. About a month ago the collection agency advised me to send in a copy of my drivers license as well as an explanation of the matter so tgat they vould rectify the matter, nothing has been done. I disputed tge account several times. The credit bureaus marked the account as closed and this has dropped my credit score 30 points.
I have been trying to get Wells Fargo for about 6 years to fix a credit bad report mark on my credit report from XXXX. They have continually used stall tactics and discounted the information that has been provided to them that proves that MY PAYMENT was made ON TIME actually EARY and in GOOD FAITH from XXXX/XXXX/XXXX. They have never given me a reason why they returned the payment to my bank account without MY Knowledge. However in Early XXXX an employee of theirs XXXX XXXX who no longer is employed there told me by phone that she had traced the payment to ESCROW but at that time could not tell me where it went from there. It was not until much later and on research of my statements that the returned payment was found in my bank account. Again without my knowledge. I would have immediately returned the " Payment directly back to Wells at that time but Wells would not remove all the penalties interest and fees that had accumulated and the payment would have been taken first to provide for the fee coverage 's NOT applied to my Mortgage. I did finally however repay the missing payment along with " some of the fees in XXXX XXXX in order to have my credit to show current on my mortgage at that specific time as I was instructed to do. They have continually refused to clear the bad remark on my credit and clear past late fees and penalties from my mortgage account. This has caused me great financial harm. 
I have continued trying in many ways to get this issue resolved so that 1. my credit can be completely 100 % restored 2. That I be made whole since none of this was of my doing including all penalties and fees cleared. 
3. my payment had been made on time ( actually days ahead of the due date ) and in good faith. 
4. my refinance can occur to a lower interest rate including some equity disbursement which has been my ultimate goal. 

I first filed a complaint with CFPB in XXXX all complaints listed on my account are concerning this Wells Fargo Issue. XXXX has provided everything they can from their end that shows this payment INFACT was made in a Electronic Batch Transaction straight from XXXX to Wells Fargo on XXXX/XXXX/XXXX. I have sent Wells Fargo everything from XXXX however I received a call two days ago stating that Wells Fargo will not accept the information provided BY XXXX. Please Help Me
I have been trying to fix a problem with XXXX since XX/XX/XXXX and they continue to lie. They just lied to this Bureau again about not having submitted info on my credit report. On the last complaint I filed XXXX they stated they did not report info on my credit report and I have proof that they have been. I am trying to buy a car and they have ruined my credit with an account that has been investigated over and over and proven not to be mine!!!
I had a fraudulent charge on my credit card by a gas station in the amount of {$150.00} on  XX/XX/XXXX and a  XXXX  transaction in the amount of {$1000.00} on  XX/XX/XXXX . We had not taken notice of these charges when they occurred and it was brought to my attention when I printed out the annual report for the credit card in late  XX/XX/XXXX . We paid the credit card at the time because we have another credit card with this company and we owed just about the same amount and the confusion of paying this credit card occurred because we thought we were paying the other credit card. I contacted the credit card company and they immediately deactivated my credit card. It took a few weeks before I heard back from them indicating that they were unable to help us out by returning our money because we have had the same address and we received our bill. I told them that we oversaw the charges thinking we were paying our other credit card from them. They just insisted that they could n't help us. They have a whole fraud department and they were not able to help us get our money back???? Are n't they supposed to catch these type of transactions? I contacted the gas station and spoke with t he manager an d she stated that the gas station would red flag any charges above {$300.00} because that exceeds a normal transaction charge. They said they would n't be able to help us out because I was contacting them in  XX/XX/XXXX  and the fraudulent transactions had occurred in  XX/XX/XXXX
I requested my capitalone credit card and they sent me one after I made a payment which left me with a balance they closed my account and have not let me know anything else but it 's affecting my credit score now.
I properly disputed an unrecorded lien on my credit report to no avail. There is no recorded lien or released lien # XXXX from this Court for this date for this amount. I have documentation from XXXX County Recorder of Deeds that supports my dispute of this erroneous entry on my report.
On 5 different occasions I have contacted Fair Collection and Outsourcing in  XXXX XXXX MD XXXX @ XXXX. 

I have sent over my police report for stolen identity. I have signed an affidavit that this was not my account. 

I lived at XXXX XXXXXXXX XXXX XXXX XXXX Maryland XXXX from XX/XX/XXXX - XX/XX/XXXX. I have provided my DL and they are refusing to remove it from my credit report. I work for the department of homeland security and have to have this unpaid debt removed from my credit report inorder to maintain my clearance.
They have declined to put me under the SCRA law. All of my other credit cards did not hesitate to give me this right as a servicemember to be charged less than 6 % interest. My complaint is that JPMORGAN Chase only seeks financial gain without even trying to help their service members. I am XXXX XXXX and I requesting to have a low percent rate from Chase, as required by law. With numerous attempts to get a lower interest rate, Chase continues to decline my right. This is my last resort before I take them to court with other servicemembers and we will all seek our benefits and rights. They keep charging me stacked on interest even if I don't use my credit card! This is highly illegal. Chase is doing a lot of things not the legal way.
I have a collection account on my credit report by a debt collection agency : XXXX XXXX, which is not licensed in the state of Florida to collect. Therefore I am disputing this collection account.
I have a parent Student Loan with Navient. I missed my payment in XXXX XXXX th receieved a bill for XXXX and XXXX for {$340.00} due by XXXX XXXX. I scheduled the payment online to be paid on XXXX XXXX in the full amount due charged to me banks account on XXXX XXXX. I have received 3 phone calls a day about a overdue payment. When I ask the rep wo check and see that I have scheduled full payment I am told that is their system. 

This practice amount to harrassment. Today is XXXX XXXX and I am still receiving the 3 calls Why are they allowed to harrass comsumers
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Term12 months I challenge the accuracy, compliance and reportability of this listing. 
... grave errorsfalse claims and reportingI want these late payments removed immediately or litigation may follow. This is unlawfulI was always on-time, you have made an error Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) (  A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section  611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Bank in XXXX County NC, my mom cashed a check in drive thru. She went straight home counted her money and she was short {$200.00}. She went back they said she probably lost because she 's an elderly lady. Possibly said her grandson took it. I called the next day and the lady was real smart mouth with me and again accused my mom of mishandling her money. I asked if there were camera 's in drive thru and she said no. They claim the young man did n't keep the money but who 's to say when you do n't have cameras in that area. To me that tells them no ones wwatching. Now no proof. This is a bank handling people 's money. There should be camera 's in drive thru. She or any of my family will ever use your bank and they were not professional about it.
I placed a fraud alert in my credit reports over a year ago and I have received numerous unauthorized inquiries from companies but was never called by the credit reporting agency to verify if I authorized the transaction. I called the credit reporting agencies to see if my phone number was listed in my file and spent nearly 30 minutes explaining to a customer service representative what I needed just to get the run around and still did not find out if my phone number is listed in my credit report. What's the point of having a fraud alert on your file if the credit reporting agency is going to supply anyone who request you files without ensuring it is an authorized transaction.
I deposited a check for {$5000.00} on    XXXX   XXXX  , 2017 and the che ck was deposited into my account. When I tried to withdraw the money I was told my account was being closed for expected fraudulent activity.
Letters sent out to the bureaus and nothing changed : XXXX XXXX   {$110000.00} XXXX XXXX XXXX : $ NO INFO
Can not contact American Express, they do not answer phones. Prior to today whenever I contacted them they gave me wrong information. Supervisor informed me that they finally got it right bit they did n't. They could not give me information on my automatic payments notwithstanding that I have been on automatic payments for years. What is happening to Am Exp? /
INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX MY ACCOUNTS UP NOT REPORTING XXXX  STATED BY LAW
In a letter dated XXXX/XXXX/XXXX, XXXX XXXX, Loan Adjuster, Recovery Department, Wells Fargo Education Financial Services, agreed to accept my payments of {$350.00} per month to satisfy XXXX private student loans that were in default. I 've attached a copy of that letter. 

Since then, in accordance with that agreement, I have paid {$350.00} every month, mailed to the address specified in that agreement. Although I have made every payment under that agreement ( until this month ), I have never received any statements or other information from Wells Fargo to tell me how my payments were applied and whether the balance is being reduced. 

Wells Fargo accepted my agreement. My payments within this agreement should have brought me current and should have cured any default. Instead, I recently discovered that the loans were " charged off '' XX/XX/2016. This charge-off is severly damaging my credit rating. 

I believe I have been deceived and that Wells Fargo has breached our agreement. I have been making good-faith payments, but now I 'm not sure if they 're going to the correct entity or if they 're being honestly or accurately applied.
Basically, I used to have an active XXXX XXXX account with a credit card attached for billing purposes. When that credit card was rendered inactive due to being maxed out, I forgot about it multiple times and continued going through XXXX XXXX  toll lanes ( in NY state ), which led to outstanding toll violations and fines. 

Upon my own fault, I kept forgetting to settle the outstanding amount I owed XXXX XXXX. Because of that, XXXX XXXX rightfully referred my debt to Linebarger, Goggan, Blair, and Sampson. I then realized this had to be paid as soon as possible, so I contacted them to pay any outstanding debt. 

I 've already paid several hundred dollars for debt that I owed from XXXX XXXX ( including fines attached ). However, here 's where it all started to go wrong. I was told more than once that I could " settle '' for less than the amount owed if I paid by a certain date, which I did. Upon calling back to confirm such payment has been settled, I was told that there was no record of a settlement and that I still owed more money ( with additional fines attached ). Credit card statements DID show that this collection agency charged the full amount discussed and was paid. At one point, I had several different customer services representatives on the phone, as well as a supervisor. They all gave me different amounts ranging from a total of {$50.00} to a total of over {$600.00} for the exact same debt violation ( s ). I became so confused at this point that I did n't know what I owed anymore, not to mention I was told on multiple occasions that a certain outstanding debt was still owed when I had paid it several weeks prior. 

I have been making multiple attempts to pay this agency the amount that I rightfully owe them, but it 's become impossible. I 've decided that it 's time to involve the CFPB since each and every individual that I 've spoken to has contradicted each other in regards to what has already been paid and what is still owed ( including the amount itself ). 

I have legitimate reason to believe that Linebarger, Goggan, Blair, and Sampson are intentionally using deceptive practices to defraud me as a target of their agency, and that they will continue to do so unless the CFPB becomes involved. I advise any and all individuals falling under the jurisdiction of Linebarger, Goggan, Blair, and Sampson to  notify the CFPB at the very first sign of potential fraudulent practices ( as opposed to making the same mistake that I did by delaying my opportunity to file a complaint ). I also advise individuals NOT to assume that any mistake regarding outstanding debt amounts on behalf of Linebarger, Goggan, Blair, and Sampson are accidental. I repeat, DO NOT assume that such mistakes are accidentally caused.
XXXX XXXX XXXX is a billing for {$1600.00} for the month of XXXX 2011, however I did n't live there during that time. I moved out of that residence XXXX 2011!! This bill does n't belong to me but to the owner of the condo.
paypal unilaterally deemed my account a " security concern '' and closed my account XXXX XXXX, 2015. I have attempted on multiple occasions to contact them via phone or using their online contact system. Each of these methods is infuriating enough to navigate, let alone attain results in utilization. With each phone contact, an employee gave me a scripted response with the promise they would forward my information and complaint to the " relevant department '' without result. I was told I would receive my money after 180 days from XXXX/XXXX/2015 and am still unable to withdraw my money. I find this behavior on paypal 's behalf reprehensible.
i have tried to get my free annual credit report from the bureaus but they refuse to issue me one because i d'ont live at the address on my licence.please help in concerning this matter cause i need to know any negative items on my credit report.
IN PREVIOUS COMPLAINT REGARDING XXXX XXXX XXXX XXXX ( XXXX ), THEY ALLEGED THAT THE ( XXXX ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XXXX XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( XXXX ) RESPONSE.
I have had issues with my account balances with Bank Of America related to issues of reported Identity theft. This has caused my balances to be improperly doubled and as a result the accounts I possess are locked out. 
Attempts to contact Bank of America in writing to resolve this issue are fruitless and I would like this office to assist me in getting my accounts unlocked =and corrected so I can restart my business life over again
A judgment was received by this company illegally. They stated that the served me with notice of this judgment, however, this is a lie. The date they say I was served I was in bed recovering a XXXX. in 2013 I was XXXX in the hospital, XXXX XXXX. I could not have been delivered papers regarding this and there was no one else at my home who could have accepted it at the time they are stating. I was in bed, XXXX and could not have walked down the stairs to answer the door. I did not even know about the court date or I would have shown up in court. They had to have lied in court and stated I had received notification.
I will layout my complaints as follows : XXXX. I feel that a loan work out was deny because I am XXXX 2. My file was lost for three months. I submitted the " Receipt of Application Assistance for Home Assistance Program '' on XX/XX/XXXX after my housing XXXX talked to a Bank of Albuquerque representative stating that they never receive the " The Receipt for Home Assistance Program-package. 
Although, we have a fax confirmation that states that the fax was transmitted. The Bank of Albuq. rep. requested we resubmit the package again which was on XX/XX/XXXX. 
In addition to this, my file was over looked previously for a year until I had to go to court on XX/XX/XXXX to reinstate the foreclosure documents. I disagreed. For 15 months that my file was overlooked, it has accrued late charges/inspection fees/late fees/taxes/hits on my credit which lowers my Fico score. Is this nickel and dime tactic adding to sabotage my chances of keeping my home? 
3. Taxes/Escrow : I called the Tax Accessor for my county an she stated that my taxes for XX/XX/XXXX were {$1100.00} and I could apply as head of household for " Freeze of Taxable Value in which they would freeze the amount of the {$1100.00} because I am XXXX. I also called an XXXX rep. to acquire a fair estimate for house insurance. After answering some questions about my dwelling she stated a quote of {$58.00} a month for house insurance and if I included my car it would go down to {$48.00} with a {$2000.00} deductible. Bank of Albuq. 
is charging me {$2400.00} more for home insurance a year. I would insure my home and include my car which would be around {$570.00} a year plus the {$1100.00} for property tax equals to {$1600.00} for both my Taxes/Home Insurance. They are over charging me ... ... ... why? 
4. Communication has been hard. This includes me also. 
5. Disclaimer : I had applied for XXXX around XX/XX/XXXX and did n't get awarded until XXXX XXXX. It took nearly XXXX yrs. 
to received it. One of my conditions is rare. XXXX. They asked if this hardship would be temporary or permanent? Is this a discriminatory question? 
This XXXX contributes to my physical conditions that transfer into XXXX daily. Unfortunately, the un- employment, involuntary reduction of income, and payment shock in the increase of the escrow and the adjustable mort- gage rate has place this mortgage dilemma as more of a hardship to everyone involved.
I AM NOT A LAWYER. I AM A XXXX XXXX. I believe I was misled about the hard copy information ( consent to judgment/ rule 11 ) they send to myself concerning the debt. Please see attached. This is a follow up to complaint numbers XXXX and XXXX. At the time I filed my original complaint, I was unable to attach the following call logs to prove I had communications with Zwicker and Associates on XX/XX/2018. I spoke with XXXX on the previous days as well. Somewhere on or the day before is where I heard him make his questionable statement. I believe it was on XX/XX/2018. It could have been the day before. I am unsure If the women on the phone told me that I need/ must sign it ( rule 11 and consent to judgment ) before she told if not I would/will be taken to court. Please investigate. What she said seems/feels threatening to me. What XXXX XXXX said about the consent to judgment form seems/feels very much misleading. Please double check our last communications. Both representatives of Zwicker and Associates have raised ethical questions and concerns to me creating a very real feeling of oppression with mental pressure and distress. I am attaching my XXXX as proof that I am a veteran. Please keep from sharing from Zwicker and Discover if possible. I also want to state that I will hold up my end of the settlement agreement faxed on XX/XX/2018 unless otherwise offered an alternative. I will not agree nor will I sign the consent to judgment or rule 11 that was dated the next day on XX/XX/2018.
Good afternoon, Please help! I entered into a real estate contract to buy my first house. My lender and I were ready to initial the loan application but she was having issues pulling my credit report from Equifax. I was affected by the Equifax breach, so I was offered their " XXXX XXXX XXXX '' service, which seems to be what is is causing the issue. When I log in into my account I get a " credit lock status error '' ( image attached ). I called Equifax to explain the urgency of the situation and they said it will take up to 7 days to fix. I've been calling Equifax everyday for the past 10 days now and they keep saying " we have submitted a ticket, someone will look into the problem. '' At this point, I am very frustrated, I have a deadline to meet on my real estate contract, I will potentially lose the house if this issue does not get fixed as soon as possible. I've already spent a lot of money on the house inspection, lawyer, and the like. Please help me get a response from them as soon as possible! Thanks in advance for your help! Please let me know if you need any other information from me.