WillisBack/dataset-financial-user-claim huggingface dataset:
Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ). Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from XXXX XXXX XXXX. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to XXXX XXXX XXXX and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from XXXX XXXX XXXX   and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.
I was contacted by a " currier '' who did not have a correct address and only verified my first name. He gave me a # and a reference # to thus company. No name given. I called. No recording disclosure or mini miranda. No company name or name of person. She only verified my first name..never once asked my last name. Had the last 4 of my SSN wrong. And when I said it was wrong continued disclosing. Stated to me I had until XXXX today to pay {$580.00} or they would charge me with intent to defraud a financial institution. And it was in my best interest to be at my residence for the currier. If not she wished me best of luck. I already have a XXXX and health issues I am out of work. This conversation was threatening to me and I do n't know where to go with this. I do owe that company they called about but I contacted them yesterday. They already sold it to United Debt Holdings ... .which is who I talked to yesterday. I have both # s and the reference #.
I took a payday loan out and have been unable to pay it back, received several harassing phone calls. Received phone call just now  XXXX   XXXX   2017  and they told me they were suing me for wire fraud and were coming to serve me at my place of employment. I called the phone number  XXXX  for the offices of  XXXX   XXXX  and  XXXX  and spoke to a gentleman who stated they had an affidavit from my bank that I had falsely obtained funds via bank wire. He asked me when they could serve me the paperwork and I said I would be off at  XXXX . He then asked me if I wanted to resolve this debt on the phone right now and I told him I wanted to see the paperwork first. He then told me they were coming to arrest me right now.
Took out a payday loan from Check n Go small loan lender in XXXX XXXX, New Mexico. Due to financial hardship was unable to make regular payments. Revoked ACH authorization for automatic withdrawls from checking account, but company continues to make withdrawls or attempts to make withdrawls from my checking account resulting in bank overdraft fees and additional financial hardship
I chose no overdraft on my account for a reason when I opened my account but Capital One allowed 2 transactions to go through my account and be paid that were over XXXX a piece on the same day when there was on XXXX dollars in my account instead of sending the payments back so that caused my account to be overdrawn and then on top of that Capital One charged me over XXXX NSF charges when they should not have paid those two checks. My issue is that the bank knowingly allowed these payments because the company who submitted the XXXX checks initially submitted a little over XXXX to the bank and they sent that back then the company split the payments into three checks and the bank accepted XXXX of them when there was not enough money to cover either of them at the time. So, I could n't bring my account current at that time due to other transactions coming out of my account so I paid it off slowly via my direct deposits from work and since it went over 30 days they charged off the account but did not close it because my direct deposits were still going to that account so I finally reached the payoff/charged off amount on XXXX and I am waiting on them to release my account back to full servicing but in the meanwhile, I wanted to send this complaint because had they not accepted those XXXX checks on the same day I would not have been charges so many fees and gone through this ordeal. If there is n't enough money in my account things should not be paid regardless of any other factors because that is for me to straighten out not for my bank to make that decision and then capitalize on it with all those fees. I believe Capital One did this on purpose because the XXXX check that the company submitted on the same day for around XXXX was sent back, all of them should have been sent back period due to the balance in the account.
I was not enrolled in College of XXXX XXXX XXXX XXXX XXXX - only reporting to Experian and XXXX XXXX at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XXXX / XXXX ( responded in XX/XX/XXXX XXXX, XXXX / XXXX ( responded in XX/XX/XXXX XXXX and XXXX of XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XXXX of XXXX. The amount is {$1300.00}. I have included the original XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all XXXX bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all XXXX credit bureaus and they refuse to remove.
this is what happened after the first complaint settled BOAI finally got into a modified loan, but I dont know how they came up with the number not including the escrow. On XXXX I fell on the job and was hurt. I have injuries to my XXXX. I knew right after I went to the urgent care I 'd need a lawyer. My company XXXX is not paying me right, they are suppose to pay me 35 hours which I have never had at my hourly wage. ( 66 % ) after getting XXXX payments, they lowered it XXXX more. The day after I had this happen I called XXXX XXXX and told her there is no way I can pay what they told me I was going to have to pay ( house payment ) now it is XXXX plus shorter. i was transferred to another loan person, I want to say her name is XXXX. On XXXX different occasions she told me she mailed out a packet never got until last wednesday. She told me they do XXXX modifications in the first 5 years. I explained I dont get enough money to cover house, car, food, utilities, some bills I have been paying on. My food stamp amt is XXXX waiting for them to fix it. My worst fear is not having a job to go back to, XXXX doctor said with the damage I 'd probably not be able to lift XXXX-XXXX lbs with right hand. I have been applying for other jobs I can do. Then if I get a job do I wait to have surgery later, at this time none of the damages to my body has received any medical care. The papers sent to me I am neither the owner or co owner, I sent in my information as best as I could. I will be mailing this on monday. The amusing or not so amusing issue is my house will be paid off in XXXX. Im not going anywhere, I have to stay in my home 10 years for getting the NC foreclosure loan. My house is not in the best shape, it is not worth the current loan amount. Until my health issues are completed or I get a new job I am between a rock and a hard place. ( in a home or on the street ) Never have I had a financial institution knowing treat their customers this way. Its like they go out of their way to create more stress than we already have.
I had a credit card account with Citi Bank. I recently turned over my credit card debt to XXXX XXXX XXXX as I became insolvent. I changed my profile information on my Citi Bank account to the contact information for XXXX XXXX XXXX. However, Citi Bank began calling an old number they had on file for where I once lived some years ago with my sister. 
Citi Bank is now calling my sister 's telephone number multiple times day and night and weekends. 
My attempts at contact with Citi Bank have failed.
This company calls anytime of the day or night. I have asked them to not call after business hours or on the weekends, they continues to do so.
please remove the XXXX collection from my file it has been removed STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Re : XXXX XXXX Reference No : XXXX Original Creditor : XXXX XXXX Dear XXXX XXXX : Your dispute has been noted. Please accept this as confirmation we have closed the account in our office and returned it to the original creditor. Additionally, we have requested a deletion of information provided by XXXX XXXX to the credit reporting agencies. You may wish to check with your local credit bureau in 30-45 days to ensure that your credit file has been corrected. Your Credit Bureau Account Number is XXXX. Thank you for the opportunity to review and respond to this matter. This communication is from a debt collector. Sincerely, XXXX XXXX, # XXXX Consumer Affairs staff on behalf of XXXX XXXX, XXXX.
Hi. I had five errant ATM transactions in XXXX on XXXX/XXXX/17 The ATM machine cancelled the withdrawal transaction but posted it to my account as a withdrawal five times. 
BMO has only credited me for FOUR out of FIVE transactions, and TWO out of FIVE transaction fees. I am still waiting for the credit on one transaction of {$130.00} and TWO additional {$4.00} transaction fee and ONE additional {$3.00} transaction fees. 
Please see attachments for original statement and the current credits. Obviously, I would like to get the final credit for the transaction and the fees.
The issue with this " company '' is more than just repeated calls, it involves all the other issues that were added as options, but it only let me choose one. I just got a call at XXXX today XXXX XXXX XXXX. But I 've been called before XXXX, after XXXX, and even on XXXX. This is a company that I have spoke to on multiple occasions and after fruitless attempts to explain that I paid my insurance out of pocket maximum and do not owe these medical expenses, I have told them to no longer contact me. And yet they still call ... XXXX times within this past month alone. The number is usually ( XXXX XXXX XXXX, and that will be the number I 'm referring to in my complaint. 

I 've been dealing with this for almost 3 years at this point. They have sent debt collection mail to my in-laws home, which I have never lived at and have no idea how they have their address. This is not something I have ever consented to. Additionally I have been told that if I do n't pay this debt it will reflect negatively on my credit report, even if I already paid my obligatory insurance out of pocket costs. I 've told them to send me information proving that I owe this debt and that they are the ones who are legally allowed to collect on this supposed debt. I have yet to see a single piece of paperwork for either. 

This last call I received is the final straw and is what is leading me to complain. The woman I spoke to was aggressive and accusatory. She called me a liar when I said I had already spoken to both my insurance company AND this company. Obviously I 've been dealing with them for almost three years, I 've definitely spoken with both entities to get this straightened out. 

She demanded that I pay. She did n't ask me to pay. In fact, her first intro to me was, " Will you be paying this debt with a credit card, check, etc ...? '' The amount was for a little over $ XXXX. I told her I was n't paying it at all since it 's not debt I owe. And that 's when she got aggressive. Her voice changed, as well as her attitude. She said that she " knows '' what the insurance company said ... despite accusing me of lying about speaking with them. She claimed that she would be writing all sorts of things down in my " file '' that I never even said. She said the call *may* be recorded and I truly hope it was.
Chase issued two XXXX cancellations/discharges of debt back in XXXX which I filed with my income tax return for that year ( attach with complaint ). Chase continues to report the accounts to XXXX, XXXX and XXXX as charged off, closed BUT with a current past due amount. This current past due amount should be XXXX ( {$0.00} ). When I called Chase, they told me that they agree that they charged it off, issued the XXXX and will not collect but have the right to continue to show past due amounts. There is case law on whether an original creditor can collect after they 've issued a XXXX. In the bankruptcy case : XXXX, Debtors., United States Bankruptcy Court , XXXX Tennessee, XXXX XXXX, XXXX, the Court Stated : " It is inequitable to require a debtor to claim cancellation of debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the Internal Revenue Service and the debtor that the indebtedness was cancelled or discharged, to then collect it from the debtor. ... ... The court does not agree with the argument that because a Form XXXX can be corrected or amended, it can not constitute an admission by a creditor that a debt has, in fact, been discharged or cancelled and that the debtor is no longer indebted thereon. ''
This complaint is about XXXX card. I have a XXXX card which was due on XX/XX/XXXX. My daughter handed it to me today, XX/XX/XXXX. I called XXXX immediately to make the payment in full of {$4500.00}. I respectfully requested thats the late fee which was being assessed Be removed from my bill.I had the money and was intending to pay the balance in full as I have consistently done since I have had the card. Apparently, the bank has a policy of not forgiving the late fee more than once no matter how good a customer is or whether the bill was delayed unintentionally. I do not think I deserve to give XXXX XXXX an additional {$37.00} for three more days that passed by beyond the due date. I find it incomprehensible that a bank would be so rigid, greedy, and unforgiving. The size of the late fee is huge for a retiree on a fixed income.
On XX/XX/2018 I sent a letter to XXXX XXXX XXXX to remove all addresses and names on my file that are incorrect and update my credit file with the correct information. XXXX   XXXX XXXX did not remove all the incorrect Names and Addresses on my File so XX/XX/2018 I sent another letter with a copy of my Driver License and bank statement and Social security Card. providing them with my correct information still no corrections completed on my file.
My purse was stolen on XXXX/XXXX/16 in XXXX, WA. We canceled all cards and closed our bank account with Chase and opened a new account. We also were told that there was a " flag '' placed on our accounts. The person who stole my purse did NOT have my social security number and only had the closed bank account number. She went to XXXX Chase bank branches in XXXX, OR four days after the theft and withdrew {$2200.00} and {$1400.00} against our NEW account. She did not have the new account number and Chase did not ask her to swipe a debit card or provide a pin number. The only item she had was my Driver 's license and Chase basically let her drain account in one day. Following the withdrawals Chase told us that we would not get our money back for 30 days and that we could not take the remainder of the money out. We had to call numbers of times, wait on hold for hours and hours. I emailed the CEO and called the Executive Offices to finally get help. We were able to get our money back in a week, but only because we were so vigilant. The overall issue that Chase gave XXXX of cash away to a person who did not have sufficient information and then failed to return our money in a customer service oriented fashion.
I am a rush card customer and on XXXX XXXX, 2015 rush card stole {$3000.00} from they can not tell me what happened to my money or when I will get it back. I spoke with a representative and she stated she saw where I had {$3000.00} in my account but she said she could n't see where it went. My account now has XXXX in it. I can not survive without my money.
My parents were attempting to purchase a manufactured home in XXXX in South Carolina. 

I received a telephone call at my place of employment at the time telling me that the finance manager from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX would be coming down to my work for me to sign paperwork, as they needed a co-signer on the retail installment loan as their credit was not good enough to qualify on their own. 

I have now discovered that the loan is solely in my name, not my parents, but I have been unable to get the loan refinanced in my parents name, or refinanced in any other way. The original loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX has now been bought and sold multiple times, now owned by Ditech XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have contacted them multiple times via their phone # at XXXX with no success, with my most recent phone call on XXXX/XXXX/XXXX to which the representative stated " Well, I guess you are pretty much screwed. '' " We can do nothing for you. '' The home was financed for {$37000.00} with XXXX % interest rate over 360 months. My parents have been solely making the payments, and have copies of all payments made since XXXX, which I can provide upon request. I personally have made ( 0 ) payments. They have never missed a payment. I have tried to ask about a settlement from Ditech on the phone, but they told me that it would be denied, while people were laughing in the background. My parents have now paid over 3 times what the home was originally sold for, and have nothing to show for it, as they ca n't even get it financed in their own name since we can not find any lender willing to refinance a retail loan on a 20 year old manufactured home. 

I currently live in XXXX, in my own home, and this is currently taking up my available credit so I am unable to expand my own business. 

Please help!
HP Sears has not followed the correct procedures for validating a debt. I believe but can not verify that they are attempting to collect for an alleged dentist bill that was supposed to be paid by my insurance. The dentist office may have improperly billed my insurance. The dentist office told me they were working on correcting the account and then ironically HP Sears shows up on my credit. I contacted them and they would not validate that it is the dentist bill. I have requested a detailed accounting of the bill but they will not give it to me. Since they refuse to validate the debt they can not report it until I can see what it is for. IF IT IS for the dentist my insurance was supposed to be billed.
On XXXX XXXX, I opened an account with Synchrony Bank with the intention of purchasing several CDs. I gave the information for the transfer from my checking account at my local bank of {$50000.00}. On XXXX XXXX, Synchrony made an automatic withdrawal not once, but twice, for a total of {$100000.00}, obviously causing my local checking account to be overdrawn. Synchrony returned {$50000.00} on XXXX XXXX, but then quickly withdrew another {$50000.00} the next day! 

After dozens of phone calls and speaking with Supervisor XXXX XXXX, nothing was done in spite of XXXX , XXXX assuring me every day that {$50000.00} would be wired to my local account each day to correct their error. In the meantime, my local checking account was overdrawn and accruing overdraft fees. 

By XXXX XXXX, with no wire of the funds and XXXX XXXX now refusing to answer my calls, my local bank suggested I contact CFPB and make a complaint. I called Synchrony and informed them of my intention. I also requested that the my original {$50000.00} be returned to me and that my Synchrony account be closed. The Synchrony agent, XXXX, informed me that the account could not be closed because they had a policy that no funds could be withdrawn from new accounts for 45 days! I let her know I was recording the conversation and would add that information in my complaint to CFPB. 

That threat seemed to have some effect. At XXXX, a XXXX from Synchrony called to say the {$50000.00} over withdrawal error would be wired that evening to my bank. I also said I wanted to close the account due to the bank 's ineptness. I let her know I was recording the conversation. When questioned about the " policy '' of money from new accounts being on hold for 45 days, there was a long pause before XXXX XXXX stated that was not correct and my origainal {$50000.00} would be returned in three to five business days. It was. 

This complaint was resolved, however I think it is important that CFPB be aware of such unorthodox behavior on the part of Synchrony bank. I have documentation as well as taped phone conversations if you need it. I am sure it was resolved ONLY because of the mention of CFPB, so thank you very much for that. 

Sincerely, XXXX
The lender has failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). The lender was provided the missing docs stated in a phone call to them on    XX/XX/2017    and has yet to postpone the sale date set for  XX/XX/17    - this package should have been deemed complete on or by  X/X/17    -
Back on XXXX XXXX, 2015 at XXXX I turned in all my cable equipment which I have a reciept for to XXXX. I am in the process of buying a house and today XXXX XXXX, 2015 my credit score was pulled and it showed a collection from XXXX XXXX XXXX XXXX for the equipment on all XXXX credit agencies. This dropped my credit score from XXXX to XXXX which is preventing me from buying my home. I am asking to please have this removed from my credit report immediately for it should have never been reported.
I took out a loan with XXXX XXXX XXXX  in XX/XX/XXXX. I have always made my payments. I lost my job recently. In XX/XX/XXXX, i receive a text saying they were going to issue a warrant for my arrest because i had not made my payment. At this time, im not past due. It matured XX/XX/XXXX. Well, XXXX   said i could not extend the lian and i had to pay up, or go to jail and taking truck. I didnt have enough money and im still trying ti come up with my pay off which is {$1400.00} give or take. My loan has bot reduced at all in the past two years of payments. Also, i was looking at the contract and it is illegal. It states the percentage is 12.5 and annual percentage rate is 152.08 % APR. That is over the mandated 12.5 % enforced by Ga. law. Georgia law states there is a cap on all pawn transactions in the state of Ga., not to exceed 12.5 % after the third extention. That is 12.6 % according to my calculations. Also, the threats with warrants, i do believe is illegal. They have strong armed me and have taken my vehicle and selling it because i xant pay what they say is due. I dont know what to do and i feel violated. The contract is not legal in the state of Georgia and i would think that makes my pawn transaction null and void according to Ga. law and they forfeit any interest due and have to give me my title, correct?