WillisBack/dataset-financial-user-claim huggingface dataset:
Freedom Furniture and Electronics closed all of it 's stores. I had XXXX line of credit with this company and when I added a computer and refinanced, they reported XXXX separate accounts for me to credit bureaus. They agreed over email and the phone to remove the 60 day late reporting in XXXX and XXXX of 2015 and they have not.
In XXXX of XXXX, I tried to apply for a card at 0 % interest for 18 months from my bank, Wells Fargo in order to set up a new office for my business. I got the run-around for weeks because they insisted the address on my account did not match the address with the XXXX. Finally, they offered to resolve this by giving me {$10000.00} XXXX XXXX at 0 % on my already-established WF credit card for 18 months. This seemed to solve my need so I agreed. For the past 2 months I have noticed significant interest charges on this card ( over $ XXXX for a total now of over {$600.00}. ) While I had been making additional purchases with the card ( beyond the {$10000.00} @ 0 % ) I had also been making large payments to cover the new charges, along with the minimum payment for the {$10000.00} cash advance. I could n't understand why I was getting charged so much interest so I contacted their customer service. According to them, and unbeknowst to me, they had been dividing my monthly payments ( somehow?! ) towards both my new charges AND the {$10000.00} ( which was supposed to be @ 0 % for 18 mo ) rather than applying my monthly towards the higher interest ( new ) charges as well as the minimum payment on the {$10000.00} cash advance. Essentially, now, four months into my 18 months of 0 % interest, they are claiming that I have paid off close to {$9000.00} of the balance that was at 0 %, while meanwhile my accruing new charges in the amount of close to {$15000.00}. It seems incredibly unethical and deceptive for a bank to take it upon themselves to apply portions of payments to a lower-interest-rate-balance when there are higher-interest-rate charges to be paid. This was not disclosed to me and to this day I do now know how they are calculating which percentage of my payments are being applied towards the 0 % cash advance. When I spoke with them on Monday, they insisted there was nothing that could be done.
I met a man on an online dating service who broke into my XXXX account deposit the checks in the amount of {$7000.00} requested me to send the money back to them in XXXX and then cancel the checks leaving my account - {$7000.00} I agreed with this stuff cue to pay them them back but they kept taking my whole check each time leaving women no money as a single mother I had no monthly income so I had to stop paying somebody please help me I 've also know that somebody has broken into and has my Social Security account there 's a name that frequently comes up XXXX XXXX I get lots of his emails
Hi I had my coinbase account with id XXXX and changed my phone as a result the 2FA was not working. In order to recover my account I tried to upload my new identification documentation 100s of times but the system returned " ID Unreadable ''. I then created a new coinbase account XXXX with the same Identification documents and it was recognized. I then asked Coinbase to : 1 ) Either recognize my identification documents for account XXXX OR 2 ) transfer my coinbase funds ( BTC, ETH, LTC, etc ) from my old account XXXX to XXXX - so that I could get access to my funds. 
I have been unable to access my coins / funds since XX/XX/2017. 

Several tickets have been raised for both the above requests, but till date the only response I have got it they are working on the issue, for the past 3 months I have been following up regularly but my problem is still not solved. 
1 ) Tickets to restore my old account ( XXXX ) # XXXX ( XX/XX/2017 ) 2 ) Ticket to transfer funds from old account ( XXXX ) to ( XXXX ) # XXXX - initially raised on ( XX/XX/2017 ). 

Their software easily reads my id when I create a new account, but when I try to restore my old account it fails badly. 

I have been following up almost daily on XXXX and sending reminders to help me as approx. XXXX USD amount of funds are stuck and I can not get access to the coins. 

I am ready to send them any documentation they need, they already have my mobile number and can verify my identity using SMS and my pictures. 


Thanks XXXX XXXX
A little less then 6 years ago I lived in XXXX in XXXX XXXX, ca with my roommate XXXX XXXX. When we moved out he gave them his mail forwarding address and I did n't have one at the time. We left them our {$700.00} deposit. After couple of months I received a phone call from FCO stating that me and guy owe {$590.00}. I explained them I have n't received any bills or phone calls from them and I 'm willing to pay my half and they can collect the other half from guy. They promised me that if I pay my half they wo n't report it to the credit bearus. After couple of months I saw that they did report it to my credit bearus as " settlement amount paid less then amount owed ''. If I would 've known I would 've paid them the other half too just so it wo n't be on my report. I called then and send them over 10 letters and offered to pay the other half but they 've been nothing but rude stating " it is what it is deal with it ''. Very very rude customer service they treat you like you 're a criminal.
The collector " XXXX '' who was working on behalf of Wakefield and Associates, contacted me looking for my spouse. Without offering my name he then asked if I was " XXXX XXXX ''. I merely had to say yes. He then provided me my address and before I could even agree to any more than being XXXX XXXX, he began to explain who he was and why he was calling. He provided the debt amounts and the different institutions the were with as well as the dates they were incurred. I did not have to provide any information of my own to confirm my identity. Merely say yes to everything provided to me. I than asked for a supervisor. Once on the phone with the supervisor " XXXX '', I explained the scenario and the supervisor took no interest in the violation. At that point they proceeded to attempt to collect on the debt. I asked what they would be doing in regards to the violation they stated they could not take action until they listened to the recording. I simply had to verify a street name, not even an address with the supervisor to confirm that I was who I said I was. I was even provided the street name. I asked them if there was any further information they needed to verify my identity " XXXX stated that street name was all they needed. XXXX asked if I wanted them to listen to my recording and then they could contact me back, to which I agreed.
I was laid off from my teaching position in XX/XX/XXXX and due to lack of income missed three mortgage payments. We contacted Citmortgage, submitted all required paperwork for a Loan Modification through Citimortgage/HAMP and awaited their decision. During the next two years the Homeowner Support Specialists assigned to our account changed eight times. Each time, we submitted the paperwork in its entirety again. Each time we waited for a response but all we received were notices that our HSS had changed again and we needed to re-submit the paperwork for the modification. XX/XX/XXXX we received notice from Citimortgage attorneys that our home that we have lived in and paid for was to be auctioned in XX/XX/XXXX. We contacted the Citimortgage HSS that was currently assigned to our account and again submitted all paperwork for the loan modification. After approximately 30 days we were informed by Citimortgage that they were just the " servicer '' of our loan and that the note was held by a bank in Indiana. They said the bank from Indiana does not participate in the HAMP program so we would get no modification. At this point we decided to sell our home. The home is currently under contract for sale and we requested the payoff amount from the attorney representing Citimortgage. After we received the paperwork from the attorney we were shocked to see the interest and lawyer fees attached to our account. The amount takes away any chance of us to successfully move to another home. 
If Citimortgage knew all along this two year process that our loan did not qualify for a modification, why were we not told in a timely manner so that we could have avoided interest and lawyer fees for the past two years. This added up to XXXX which now makes the sale of our home through the real estate process impossible. It is our claim that Citimortgage did willfully and with malice, withhold information about the loan modification decision to drive up interest and fees to collect. Had we been made aware of the decision that our loan was not eligible for a modification, we would have sold our home two years ago, paid off the loan in its entirety, and walked away with some equity in the home that we have occupied, updated and paid for, during the last 28 years. Now Citimortgage wants to charge XXXX to us when it was in fact, the fault of Citimortgage that these interest and fees continued to climb. 
It would be in the best interest of all parties involved that Citimortgage would not collect this XXXX in fees and interest and that we could sell our home and move on with our lives. We believe Citimortgage delays the modification process on purpose through the many changes of Homeowner Support Specialists, does n't inform its borrowers of the decision in a timely manner, runs up fees and penalties and then ruins people 's lives in that process.
XXXX XXXX XXXX Trans Union are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I sent navient all the paperwork they need to do a discharge for my student loans and they have denied me twice I went to XXXX University online and they committed fraud and their college was closed and now I am still in school and navient will not dischage these loans so that I can re add back my subsidized and unsubsidized by this school. I would like to get these loans discharged so that I can finish the next two years of my XXXX then get my XXXX without the rest of this funding I will have to drop from college at XXXX University.
I have disputed this debt numerous times. I sent Conserve a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute Conserve has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Conserve : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Late last year I opened a credit account with Bank of America, due to the terms and rewards advertising I decided to apply and was approved. Then about 4 or 5 months later they closed the account without explanation and told me they would not reopen it. I then asked if that would affect my rate to which they responded that it would not so I kept making my minimum payments since I figured at zero percent I was better to do it that way. Suddenly my minimum payment goes up about 3 or 4 months ago. I told them what the problem was and they told me I qualified for no such thing ( zero interest ) and in fact I had been always paying interest, and now my promotion was over and my interest was to be 28.99 % to which so far they have changed several times, I think the last one they gave me was 20 or 21 %. First they gave me a rate that was low or so I though and then they close the account without me being able to accumulate more rewards or take advantage of the rate for the full terms. These people should not get away with this, without someone doing something about it. Thank you!
Called chase to dispute an {$8000.00} transaction and they did nothing about it. I informed them I would not be making payments on the card until they start to investigate it. Subsequently they closed my account
I had some issues with my online account with  XXXX  Mortgage. I had been in contact with them regarding these issues and my issues with my payments not being processed correctly. The issue started in  XXXX   XXXX  was resolved in  XXXX  of  XXXX . I had my credit report pulled in  XXXX  and was unaware that  Gateway  had reported  three  (  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ) 30 day late mortgage payments on my account. I had been in contact with them about these payments and even had the late fees removed after speaking to someone about the issues. I contacted multiple people  at gateway trying to  get these removed off my credit report do to the issues that I was having and the fact that I have never had a late payment on my credit report in the last 8 years. The were unwilling to work with me in my situation. After writing a good faith lette r ( which I have included ) to the CEO, I asked for them to removed ju st the late payment from  XXXX   XXXX  off my credit report and I was told that they were unable to do this and that I would need to file a dispute with the credit bureaus. They advised me that they would be willing to work with me this way. I filed with all  XXXX  credit bureaus and they did not do what they said they were going to do on my credit report. I am very upset with he lack of customer service provided  by Gateway Mortgage  and their inability to work with their customers.
Student XXXX XXXX XXXX has account with Pennsylvania Higher Education Assistance Agency. Account XXXX Her mother wanted to pay off the loan. The loan balance was {$27000.00}. Her mother, XXXX XXXX XXXX called PHEAA to obtain directions on how to pay the loan and was told the {$27000.00} would not close the loan. XXXX asked XXXX to check with PHEAA to investigate the problem. XXXX was told by PHEAA that to close the loan an amount of {$33000.00} must be submitted. She was told the difference was a prepayment penalty. It is our understanding that a prepayment penalty is not allowed on student loans. XXXX XXXX XXXX  submitted a check for the {$33000.00} but is requesting your assistance in resolving this problem.
I currently owe a small debt ( {$400.00} ) to XXXX XXXX XXXX. 

I managed to reach out to them to pay off this debt at one point, but they refused to send me any sort of documentation for proof of debt/debt being paid. Instead, they insisted I simply " just send the money in ''. When I asked for some sort of written documentation they refused. 

Now I try to call them to pay off debt and again see if I can just get some documentation on the debt itself, and no one ever picks up nor returns my calls/emails. 

I'm fully willing and more than capable to pay off this debt, I just want it done with as it's doing harm to my credit.
The term of the loan was XX/XX/XXXX - XX/XX/XXXX. XX/XX/XXXX was first initial payment of {$160.00}. I have paid {$160.00} biweekly since XX/XX/XXXX and the payback totals well over {$600.00} ; which is the initial loan amount. According to XXXX contract and customer service representative, I still have another 10 payments to go. Their fees seem a little outrageous to me and how are they allowed to charge the consumer more fees. Their fees are higher and the terms are longer than the person to person payday companies. For now, I have stopped payments coming from my bank account, as it was accruing negative balances from the withdrawals of XXXX   XXXX. Depending on the outcome of this claim, if the remaining balance must be completed, it will be done on my terms and payments via mail only! will not allow them to have my bank account information anymore.I would like this company investigated for excessive fees and excessive terms of the contract.
There is an inquiry on my credit report dated XX/X/X/17. It is listed as XXXX-XXXX/XXXX. I have NEVER applied for this account. I looked up using XXXX XXXX and found it is an clothing outlet. I do not shop at online outlets. I then looked up XXXX XXXX/XXXX information ( again using XXXX ) and found the phone number of XXXX. I called on XX/XX/XXXX and spoke with XXXX in the Fraud Department. It was there he was unable to find the application in current and archived files. He stated that I have to dispute this with Equifax and that you all will call them and they will confirm they do NOT have my Social Security number on file for this inquiry. I am appalled that Equifax yet again has found a way to make my life bothersome again. The fact that you all would place an inquiry under my name that I NEVER applied for tells me you all are not about protecting someone 's identity. You are a joke!
On XXXX XXXX, I applied for and was approved for installment loan of {$1000.00}. Spoke with someone on the phone who confirmed the approval status and sent me a signed and loan agreement as well as a confirmation number in an email. Told me my loan would be funded the next day. 

Late in the day of XXXX XXXX, I received notification of a small " problem '' and I would have to sign a new loan agreement with a substantial increase in monthly payments. When I inquired why the changes, I was told that the other loan agreement had " expired ''. The agents of this company was very rude, condescending and refused to give last names, indicating to me, nefarious intent ... they REFUSED to honor the original signed agreement with the lower payment schedule ( enclosed )
I applied for the borrower defense to repayment discharge of the federal Direct Loans per the XXXX website and it has been 6 months and I have not received a response from the DOE or my servicer regarding the processing of this. I have sent several emails and when I call my servicer- FedLoan Servicing , they have no idea what I am even talking about.
XXXX XXXX XXXX XXXX stated that XXXX XXXX verified the bankruptcy with the courts but per the letter I received from the courts that 's not true
I have sent multi ple 609 letters to get these two collections removed. I have also called and disputed these accounts online and   XXXX   nor Equifax will remove the negative accounts. These two negative accounts have been off my  XXXX  credit report for over two months and I have told   XXXX   and Equifax that but they wo n't budge and remo ve them. Neither accounts have validated themselves which is why   XXXX    removed them. In my screenshots  XXXX   XXXX   XXXX  and my   XXXX    app both show no negative accounts open.
I have now disputed with Experian 3 different times regarding the same issue since XX/XX/2016. I had a vehicle loan. The vehicle was involved in a crash. The insurance paid the remaining balance on the car, and documentation is attached. However, Experian has reported it as a charge-off. I have contacted the financial company the loan is through, XXXX XXXX, and have documentation from them stating the account was paid fully, as well as payment history. XXXX XXXX has attempted 3 times to have Experian change the charge-off to paid in full, good standing, no charge-off, and Experian has refused each time. Both of the other credit reporting agencies do not show this problem. However, the problem with Experian has now caused me to be declined for a new credit card, further affecting my credit score, as the credit company used Experian for it 's credit check.
My home was foreclosed on in XX/XX/2011 with XXXX XXXX XXXX having first mortgage and they also had a second. 
The foreclosure was a non judgement and the second was sold off to Real Time Resolutions, amount owed XXXX. I have verbally warned them for years do not contact me pursuit to section 805 of the FTC collection act via telephone however I will correspond via mail. However, they continue to call. Everytime I get a new number, or at mothers land line, they call. And I tell them again.or sign up for the DNC registry. Today they called three times in a row after I warned them. They have threatened me with garnishments, all types of ways to scare me into paying this debt. I am on XXXX  XXXX with zero assets. I have had enough of their calls and flagrant disregard for my FTC warning. XXXX XXXX is the other that also calls without regard to my FTC warning. They are from overseas and call without care or regard. I want this to stop.
I have a Capitol One credit card On XX/XX/XXXX i got sick and spend a few days out of work two weeks after i was told that i needed to have XXXX i spend to months at home after the XXXX and receive a short term XXXX check which was less that the haft of my paycheck I wasn't able to make my payments on time only my utilities bills was cover. 
XX/XX/XXXX i was able to go back to work and started pay off my late bill and got all up to date my balance is XXXX I check my report and i saw how much this ad affected my report.
On XX/XX/2017, I did my banking at the XXXX Huntington Bank of the University of XXXX, at XXXX, my transaction was exactly at XXXX, it consisted of me giving out my name, address, city, state and ID number from one of my debit cards. At XXXX, another debit card of my from a different banking institution was closed out. The bank employees females were XXXX and XXXX. I found out later in the evening from my other banking institution that someone from a bank called and had my account closed. Since XXXX has been working at Huntington Bank she has harassed me and a month ago I had to report her. I know she had something to do with my account being closing she also on several occasions would ask if wanted to deposit my money into my debit account so that she would have access to it. Both of these employees have committed fraud, violated confidentiality laws and violated my FERPA as that this involved my school account at the University of XXXX Huntington Bank in XXXX, both of these employees have been watching me and my accounts for several months. They also did an unauthorized credit check to find out what accounts I had in my name.