WillisBack/dataset-financial-user-claim huggingface dataset:
Southwest Credit Systems contacted my wife at her place of employment about a {$100.00} debt that was owed. I sent a written request to SWC on XX/XX/XXXX and asked that the debt be validated and as of today ( XX/XX/XXXX ) no response has been received from the company. On XX/XX/XXXX my wife received a phone massage from the secretary at her job with the phone number for SWC but the person left no contact name. The secretary said that they told her to have my wife contact them ASAP about an outstanding debt or they would sue. I never gave this company permission to contact my wife much less contact her at her place of employment. SWC violated my privacy and now my wife 's coworkers are aware of my personal business.
I am an XXXX age XXXX woman living on Social Security Benefits, with no assets not even a savings account. My daughter has to help me pay some of living-medical needs solely. I have attempted to several times to payoff my high credit card debts with Bank of America. I was successful with making XXXX settlement agreements with XXXX out of the XXXX Bank of America cards. These Bank of America cards I have had over 10 to 15 years and paying interest rates well over 21-29 %, the balance never seem to be going down and because of my fix income I can not afford the payments. I was successful with help from a company with securing a settlement agreement that was accepted by Bank of America, which I have made 2 successful payments towards settling the balance. Please see ( Attachments below ) Due to the fact that I was making schedule payments to settled these Bank of America Accounts, I was assured that once a larger portion of these settlements with the XXXX BofA cards was within good standings, I was offered a settlement arrangement for the last BofA Card. This is where the deception from Bank of America started. Bank of America sent their law firm XXXX XXXX XXXX, XXXX. to threaten with a legal summons and even scared my family member who received the summons that they were going to take my house and seize all my assets. 
I did not believe it, why would Bank of America and XXXX XXXX XXXX, XXXX. say that, the shock cause me to seek medical attention immediately. Why would Bank of America and XXXX XXXX XXXX, XXXX. take threaten me with a summons on a credit card which they have already made settlement agreements on which was agreed on both sides. I am on a fixed income Social Security Benefits with no assets, XXXX, why would Bank of America and XXXX XXXX XXXX, XXXX. make these threats? I feel that it is because of my Age, I have read about companies taking advantage of the XXXX because we age getting older so taking advantage of XXXX and violate our rights. I really feel for all the XXXX and I pray for us, some of us were thought that we should pay what we owe and I have been using the little social security checks to paid off my high rate credit cards and even with me make settlement payments towards the Bank of America cards that they accepted. Bank of America and XXXX XXXX XXXX, XXXX. is still trying to use unfair deceptive and misleading practice, which violates the FDCPA. I pray for my XXXX, I pray for this county. Please see ( Attachments below )
Made each monthly payment ; however did not get credit for six payments in XX/XX/XXXX and none in XX/XX/XXXX when I was sending in cashier checks by certified mail ... ... treat foreclosure from Ocwen ... 
Had an attorney that did not help only insisted on modification ... .now we are out major money, credit destroyed ... .Help needed what are the options?????
Paypal opened a credit card account without my permission and stated such on a call to custonmer Service
This is a follow-up to claim # XXXX which I have just disputed. However, in an effort to further clarify my previous message which stated the following : " The second proprietary lease has been forwarded to XXXX '' who confirmed receipt. Per your letter and XXXX you were to send me back one of the proprietary leases along with the stock certificate. 

I do not understand what game are you and XXXX playing with me. I have been dealing with this issue for almost two years now which seems like a bad dream I ca n't wait to wake up from.
I had XXXX late payment so Citi card lowered my limit. The late payment could not be avoided. I am told that this is an illegal act.
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. Your company also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Payments are showing as late from the period when I was in school - this account has also been paid in full years ago but for some reason is showing as late while I was attending school.
I was charged a {$30.00} late fee on my XXXX XXXX XXXX Credit Card for missing a payment. The problem started when I went to make my first payment, but the card had not yet been mailed to me, so I could not check my balance or pay it online. I then had to go into the store to pay my balance, but they couldnt tell me how much exactly I owed. I knew it was {$97.00} and some change, so I just paid the {$97.00}, which was well over the minimum that I owed. When I received the card in the mail I went online to pay the remaining balance, but it wouldnt let me make a payment because it was less than {$1.00}. A couple months later I was charged almost {$30.00} in late fees for not paying off the card. I was not send an email, and I was also not allowed to pay off the balance, so I should not have been charged a late fee at all because I was not allowed to pay the remaining cents, therefor, I didnt not try to make another payment since I had not used the card since. Now I have a late payment on my credit score, the only one out of almost 100 payments. I paid the late fee, but I would like that late payment erased from my credit history.
capitol one raised my credit limit after i told not to .now i have a bill i can never pay off
XXXX XXXX texted my spouse, he called her and she informed him of a debt we are unaware of and is not on his credit report. He asked her to call me his spouse. She called me and in course of our conversation she stated she pulled all " our '' financial records. THis debt incurred in XX/XX/XXXX before I even knew my spouse to whom I married in XX/XX/XXXX. She then mentioned that I had a deed for a house in my name, asked about why XXXX XXXX was on the deed but removed and stated and " you dint have a mortgage. '' When I replied my house was purchased by me soley in XX/XX/XXXX she stated that did not matter because Tn was a non spousal state insinuating that they would come after my home if my Spouse did not pay the debt that is not even on his credit report. We received no written communication with rights to contest debt and no proof of debt. 

They have called myself and my spouse twice this week in the matter of 4 days after I informed her my spouses dad had died on Monday. Today XX/XX/XXXX she called my spouse and drilled him about IRA, 401K and  whole life insurance that he could possibly take funds from to pay a bill we have no proof is even his or owed despite the fact that she knew my spouses dad dies three days ago. 

When my spouse stated he was discussing this with our attorney she pushed for attorneys information and why was he he talking to attorney about bankruptcy.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
This is a Paypal Credit issue. 
I have a different balance from XXXX XXXX to XXXX XXXX. 
I have NOT used Paypal credit since XXXX XXXX, 2015. 
I have NOT used Paypal Credit for four business days, yet the overall balance changes from XXXX XXXX to XXXX XXXX, 2015. 

I called Paypal at XXXX and XXXX. 
The responses did not address the balance change. 
It has to be some Hidden Fee. 

Thanks. XXXX XXXX
Have attempted multiple times to contact company to start paying off with monthly payments that are affordable for me, but no one would ever return my call.
XXXX  and Transunion are reporting me 120 days late on the XXXX - partial account # XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has {$0.00} balance and {$0.00} past due.
I was alarmed once I reviewed my XXXX, XXXX  and XXXX  credit reports and found that I was reported as having a late payment on the date below on my Best Buy credit card : 60 days past due as of XX/XX/2014 30  days past due as of XX/XX/2014 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
On  XXXX   XXXX  I called and disputed a charge from  XXXX  in the amount of  XXXX . Rushcard closed the dispute stating no error made, even though i was told by  2  managers that the funds would be returned back to me.I had to submit a rebuttal letter as well as a police report to show that i didnt make that charge and that still wasnt good enough. I have been told that managers were going to call me back and no one has never done so. I had to submit a BBB complaint on  XXXX  just to get a response from my complaints and  XXXX  replied back to the BBB. I had submitted a letter from  XXXX  sent to the BBB stating that the funds in the amount  XXXX  were sent back to me and i still do not have them.This has been the worst experience i have ever dealt with and i will be sending a letter to the attorney general, every news station and consumer affairs since rushcard wants to fradulently keep my money.
I checked my credit about 2 years ago and found a collections for XXXX. I called and the conclusion of the conversation was that this was not my bill. I never lived in the address that the service was provided, and so it was taken of my credit. I checked my credit on XXXX XXXX and there it was again, but now it 's Southwest Credit. I tried phoning but it said that this number was not taking calls right now. I deputed the debt with XXXX and was told that this is a correct debt and I owe the amount. The funny thing is I never received any kind of collection bill from Southwest Credit until I desputed the debt and then within 1 week of the result from XXXX I received the first bill.
I have disputed a bankruptcy public record on my account on 11 different occasions, most recently I even sent Transunion the following because A. If someone files bankruptcy in XXXX Indiana our Federal Court in in XXXX, NOT XXXX, I have never stepped foot into the XXXX Indiana Court, and secondly the addressed listed for so called bankruptcy is the the XXXX. The fact that is inaccurate is enough reason for it to be deleted in the first place, there is NO Federal court in XXXX, IN. 
INDIANA FEDERAL COURT-XXXX XXXX, IN XXXX XXXX This info is for the XXXX. XXXX XXXX XXXX , IN XXXX XXXX Another item is the XXXX , I do n't owe a balance and have repeatedly disputed and asked for PROOF of said debt to no avail with both transuion and XXXX, oddly this item was removed a few months back and put back on my report.
A collection account has appeared on my credit report from a collection company called Perfection Collection. The account was referred to them by a security company, XXXX XXXX XXXX. My credit report says I have a joint account with a balance of {$3700.00}. the account number on the report is redacted but says the account number is XXXX. 

I have never opened an account with this company and have never authorized anyone else to open an account with my name attached to it. I am trying to get this information removed from my credit report ASAP is it affecting my credit score. 

I have tried to speak with the collection agency and the company but no one seems to know anything and they keep saying it needs to be referred to legal. I have reached out to their legal team but was only provided an email to reach them and have not heard any response.
Equifax failed to inform me that my data may have been compromised in a data breach that happened in XX/XX/XXXX and XX/XX/2017.
This should not be in my credit report. This collection agency reported this to the  XXXX  credit bureaus and they should not be in my credit report and I do not ow e Pioneer Capital Solution anything I want them provide me of contract a sign with t hem.
I filed an application with Bank of America for forbearance for illness and unemployed or loan modification but Bank of America has been giving me the runaround since  XXXX   XXXX ,   XXXX  .     I am sick and was laid of because of my sickness. I informed Bank of America that I am sick and was laid off as a result and that I am finding it difficult to pay the mortgage as I am no longer working because of my illness. They sent my documents to fill for forbearance for illness or unemployment or for loan modification. I filled the documents and went to Bank of America branch office in  XXXX , Maryland and had t he manager  faxed the documents to   the Loan Modification office. On the same day, I also uploaded the documents to Bank of America site.      Bank of America has been playing deliberate delaying tactics. I have sent in documents earlier on multiple times, both by uploading the documents to Bank of America website and at the same time having the documents faxed to them at Bank of America branch offices but they come back after a m onth or two to sa y that they have not received all the documents while the documents can be seen on their site.     Some of the tactics being used by Bank of America is claiming that documents were incomplete or documents were missing when in fact they were not ( I would logon to their Loan Modification site and I would see all the documents received and updated on the site ) or claiming the file was under review then I would out later that it was not under review.     A month ago, they sent me a foreclosure letter. When I called to ask them what is going on with the foreclosure letter they stated that they have not received all my documents that why they have initiated a foreclosure procedure. When I pointed it out to them that the last time I talked to somebody at Bank of  America the Rep confirmed to me that they have received all my documents and that as a matter of fact I can see all the documents I uploaded still showing on their website. The Rep ne xt response was that my documents have expired and that I have to resubmit fresh documents. So now, they have for forced me to restart the modification/forbearance process all over again. Even after restarting new process they playing the same tactics of documents being incomplete when they are not. And last  XXXX  when I called to check on the status I was told they need my bank statement and tax reports, which they already have and in addition to that now they are saying they need receipts for my expense for grocery, laundry, grass mowing payments etc. when I dont know anybody keeping their past grocery, laundry, mowing receipts around.
Never opened an account with the company. got a bill with ending # XXXX asking for {$100.00}
Without notice, cause, or detailed explanation USAA closed all my accounts including my checking account. I have been unable to make electronic transfers as they restricted my online access and have failed to send even a statement. Thus I am unsure where that money is, how much was in the account, or what if any transactions took place. I 've made repeated requests for documentation which have been ignored. USAA has been informed I do not have checks for this account, and in order to withdraw or receive my funds, USAA 's only options were all fee based. They were willing to send me a check for my balance, for a fee. I could withdraw the funds from an ATM, for a fee. I could go to another bank and have them charge my debit card which had daily limits, for a fee. Withdrawing from an ATM would prevent me from withdrawing my full account balance as well. USAA suggested I go to their local office, which is in another city and withdraw the funds personally. Yet that has fees as well. Fees such as but not limited to taking the day off and traveling to another city and back. It 's been several months without access to my account or funds. I have yet to receive an account statement, or any help in this matter. They have effectively held my checking account ransom.
AURORA LOAN SERVICE SOLD ME A PREDATORY HOME LOAN AND THE FOLKS IN A CLASS ACTION SUIT HELD IN MINNESOTA DECLARED THEM GUILTY ; SENT ME A NOTICE STATING SO WITH A {$600.00} CHECK FOR COMPENSATION. 
THEN THEY HAND IT OFF TO NATIONSTAR AFTER BEING ADJUDICATED FOR THEIR CRIME. PLEASE FIX THESE ERRORS AGAINST MY CREDIT. I LOST MY INHERITANCE MONEY TO THESE CROOKS. SHAMEFUL, XXXX.
Recently received a response from lender regarding an application for a workout option to keep my home. I was only given an option to sell. I did not get a response for any other workout options nor did they give me the reason why I was denied for the other options. This notice was mailed out to me after a month from the date of the letter. I did not have any rights to appeal either. My current rate is over 8 %.
Last year I set up an automatic ACH payment with a vendor ( XXXX XXXX XXXX ) to be made to my bank ( Discover Bank ). I recently cancelled the service with the vendor. I requested that the vendor cancel the automatic withdrawals. I advised my bank NOT to honor any further ACH payment requests from this vendor. However, in spite of my written and verbal requests, the bank continues to honor these unauthorized ACH payment requests and continue to pay the vendor long after the service has been cancelled. I have repeatedly requested that the bank stop and they refuse to do so. I am not concerned about PAST payments - that money is gone, but I would appreciate if they would STOP payments in the future. This should not be that difficult to do.
I enrolled in an " SunTrust Deal '' with my eligible SunTrust debit card linked to my checking account for XXXX XXXX XXXX during the first week of XXXX  of 2017. The terms stated " Offer expires XXXX/XXXX/2017. Must make two separate transactions with XXXX XXXX XXXX on wireless products or services of at least {$15.00} on the card associated with this offer by XXXX/XXXX/2017. Your {$75.00} cash back is earned within 30 days after making your second transaction. See offer details. Taxes, fees, other charges & restrictions may apply. Add'l speed, usage, and other restrictions apply. See plan details. Offer valid one time only. '' I placed one transaction on XXXX/XXXX/2017 and one on XXXX/XXXX/2017 ; both for {$16.00} each. I waited the 30 days after the second transaction and when the {$75.00} cash back did n't post, I used the online chat feature to contact customer service. XXXX told me that " I have researched this and am showing that any rewards earned in XXXX will not show until XXXX/XXXX/17 at the latest. So After processing on XX/XX/XXXX, if the reward is not there the morning of XX/XX/XXXX, please chat or you can call Online Banking at XXXX and we can go from there but we are not able to escalate because it can show up until XX/XX/XXXX. '' I waited until after the first week in XXXX and the {$75.00} cash back still did not post so I mailed customer service on XXXX/XXXX/17 and XXXX said " your rewards will be credited to your preferred account usually within eight weeks from the date of your purchase. '' I waited 9 weeks and it still had not posted.
On XXXX/XXXX/17 I called customer service. I was transferred to 4 different people, one in which, named XXXX, said she was having computer issues and said she had to put me back into the queue where I had to wait another 20 minutes to speak to the next person. In total I was on the phone, mostly on hold, for an hour and a half. Finally the person I spoke to said that they spoke to their supervisor and they said to wait until the XX/XX/XXXXand the {$75.00} will post then. I checked my account today, XXXX/XXXX/17 and it still has not posted.
Based on this experience I am not impressed my SunTrust 's customer service and I am astonished by all the hoops that one has to jump through to receive their cash back on these " SunTrust Deal 's ''.