WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I ordered XXXX face creams on the internet one called XXXX and XXXX. The first cost {$5.00} and the second {$3.00} and for some reason another {$.00} each from a company XXXX CA XXXX.I did n't like the product so I followed the instructions on the paper enclosed with the products. I recieved XXXX dispute numbers XXXX and XXXX. I was told to return the samples which I did and that would be the end of it. These products were put on my XXXX rewards mastercard. On my next statement I was charged {$97.00} and {$100.00} these charges were not authorized by me. I followed the instructions, had to pay for the shipping to return the products. To my knowledge I had done my share of what was required to have these charges taken off my bill. .On XX/XX/XXXX my credit card statement ending in XXXX was a negative - $ XXXX.I have not used this card, I cancelled it and have n't used it since. On XX/XX/XXXX I recieved a bill with not only the charges previously charged back in XX/XX/XXXX, but also the charge of {$40.00} annual fee for a card that I had thought I cancelled. When I call the Barclaycard XXXX mastercard, they tell me that they are still looking into it, and the charges remain until they make up there minds. In my last conversation with them I was on a three way conversation where the person on the other end asked me to send a copy of my social security number and a copy of my drivers license. I have never heard of such a thing I thought this was a reputable company Barclay Card services. I have had a XXXXcard for 15 years when it was XXXX XXXX There was never a problem. In conclution I have done everything possible on my part to have these charges removed, I no longer have the product, ,and to think that the credit card that I have had for years while it was XXXX XXXX has changed to this level upsets me terribly..
i had a chase credit card and went through some financial hardship during my last year of school in the beginning of XXXX. i have had a great relationship with chase for XXXX years and XXXX years of great credit history. i had the account closed and sent to collection which i have now settled and cleared with the bank in XXXX this year. i want to start building a relationship with chase again.
Sent a certified letter on XX/XX/2017 to Experian regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from XXXX and XXXX.
On  XXXX   XXXX ,  2014 , my mother took me in to her local branch of  XXXX    XXXX   to add my name to her savings account. The bank collected all of my pertinent information and ran a credit check unbeknownst to me leading to a  XXXX  point drop in my credit. They refuse to even provide a letter of explanation to the credit bureaus. This at a time when I am in the process of purchasing a home! My bank contact person was  XXXX   XXXX .
I ordered XXXX {$300.00} visa prepaid card on XXXX ( order # XXXX ) on XXXX/XXXX/15. The order is supposed to be fulfilled by XXXX. I called XXXX on XXXX/XXXX/15 because I did not receive the prepaid cards. Agent requested me to wait until XXXX/XXXX/15. I called again on XXXX/XXXX/15, and agent agreed to void the old cards and ship XXXX new cards ( Call Reference # XXXX ). I called XXXX again on XX/XX/XXXX, agent said that they have not resent the prepaid cards, but they agreed to send it soon ( Call Reference # XXXX ). I received a phone call from XXXX on XX/XX/XXXX, and they stated that those cards have been used already. I requested a full refund on XXXX/XXXX/15 ( Ticket # XXXX ).
I opened several accounts wit h Wells Fargo afte r filing a Chapter  XXXX  Reorganization Plan.     Every time, I deposit a check, they place unreasonable hold on my funds.     Each time I deposit checks into my account,  Wells Fargo has a different reasoning for placing a hold on my funds.      If the check exceeds   XXXX  , there is a hold If the check exceeds {$5000.00}, there is a hold Meanwhile my funds are on hold, they are charging me overdraft fees for my automatic withdrawls.     I do NOT think it is fair at all, they have my money and are holding it unreasonably.      XXXX , from Pennsylvania and her  Supervisor   XXXX , no last names NOR employee numbers were available.     They further went to explain how the  Federal is HO LDING a portion of my check for Further Verification and Processing.     They claim that  Wells Fargo has N OT been given the funds even though the issuing bank has released all of the funds.     This is troubling to me in that i paid over {$200.00} in Bank fees last month. This type of practice is jeopardizing my  Reorganization Plan.      Please ask  Wells Fargo for  their side of this story.     Thank You,
Rushmore Mortgage continuously asks me to provide proof of flood insurance. I have multiple months of letters requesting insurance. Each time I receive one I call and give them the insurance info.Then it is quiet a month or two then they start again. If I could refinance with another company at the same interest, I would. I am trapped with them. 

As of XX/XX/XXXX, they purchased flood insurance on my behalf. My flood insurance is paid through my HOA. The insurance company sends out any requests for info promptly as evidenced by my second mortgage not engaging in these extortive practices. 

Rushmore agents are polite yet totally impotent to help in any way other than to say they will pass it on to their team.
I have been waiting for Financial Freedom to send out an Appraiser to perform a BPO so that I can refinance my deceased husband 's Reverse Mortgage. I have been approved by a lender to do so. I explained this to Financial Freedom. I was given a value before of {$100000.00} and XXXX % of this amount would allow me to pay the loan off altogether. I am a senior, but at this time I wish to payoff the loan in its entirety. I can not get cooperation with an appraiser/bpo or should I send my appraisal in? I need a response from Financial Freedom to pay loan off
In XX/XX/2018 I opened a credit card account with Regions Bank in response to a special offer. My first statement was due XX/XX/2018, I made a payment on XX/XX/XXXX of {$1100.00} which was total balance due. At that time I spent an unusual amount of time attempting to set up an Auto-Pay on the account. The site is balky and non- intuitive. I called the bank to make sure the account was set up for Auto Pay. That call took over 45 minutes of wait time to talk to a representative. I was told that the account was set to pay full balance on the due date from my account at XXXX XXXX.

The second payment of {$70.00} was made on XX/XX/XXXX and another {$3.00} was paid on XX/XX/XXXX. Then the Auto Pay stopped working. I travel extensively in the summer and fall months, often with no phone or internet service available, which is why all my accounts are set to Auto Pay.

On XX/XX/XXXX I discovered Regions had reported me delinquent having missed two payments for a total of {$11.00}. My credit score was decreased 129 points in one day. I called Regions and opened a dispute and paid the due balance. That reference number is XXXX.
In 2005 I refinanced my home with a interest only loan. The terms were 10 years interest only at 5.5 % what I did n't realize was that after the 10 yea years it turned into a 5 year loan at 5.5 %. My payment has gone from {$1800.00} per month to {$5900.00} per month. I had figured out what was happ- ening two years ago. My mortgage is with Wells Fargo and is serviced by XXXX America 's servicing Co . So in the last 2 years I have made numerous attempts to refinance and or modify. Wells Fargo rejected me twice for the mod after lengthy processes saying I was not in financial distress and suggested being delinquent for 3 months which I refused to do. 
have also tried to refi with them 4 times and was rejected because of income. Unfortunately my son XXXX 3 years ago and I stopped working for a year and a half. So being self employed they need 2 years of income history to refi. Is this legal?
Well my mother in law helped me get a loan through springleaf Finance and my payment is due on the XXXX of each month and there calling me on the day of every hour on the hour there also calling my job and my mother in laws job threating me and telling me that they did n't want to give me the loan and if it was n't for her I would n't have the car. Now I have set up arrangements to pay on the XXXX due to how I get paid from work now there saying to pick up the vehicle because I have n't came in to make payment which as I said arrangements has been made ... I would like to know what I can do in order to stop to threating calls??
Nationstar Mortgage is running a foreclosure scam. They ran an escrow analysis in XXXX 2015 with an annual tax amount that was almost XXXX my actual tax bill. My county treasurer has contacted them on several occasions in writing via fax, etc including a 3 way call while I was on the line to correct this amount. The escrow department at Nationstar has assured me several times that he problem will be solved within 5-7 business days. Meanwhile, they call me constantly at work on my celular phone with an automated dialer and with an automated message to tell me that my account is delinquent. I make payments every month, but can not afford to continue making double payments due to their escrow error. They are also reporting to the credit bureau that I am delinquent and therefore I can not acheive refinance with any other company. They are now sending foreclosure notices. When I call to speak with the escrow department, they repeatedly place me on hold and then disconnect me after over 30 minutes on hold.
I paid off my Wells Fargo credit card in XXXX, 2016. I had a balance of {$0.00} on my next statement. Then, on XXXX/XXXX/16 I received a new alert that my payment had been reversed and I owed {$490.00}, which is my current balance. 

Wells Fargo can not give me a reason for this reversal. I do not currently have the money to make this payment and refuse to pay it again without a good reason why.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX 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 DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Bank of America states they do n't have the requested information ; however, Bank of America was the primary and master servicer this of loan from XX/XX/XXXX until XX/XX/XXXX. Bank of America transferred the primary servicing rights to XXXX on XX/XX/XXXX. As the master servicer Bank of America should have the requested documents in it 's possession.
XXXX XXXX is not licensed to do business in the state of Virginia.
Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap.
Licensed Virginia consumer finance companies may charge m ore
than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia. 

Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan. 

Given this information and the outstanding fees I have paid in interest, this account should be closed, marked as paid and removed from my credit report. 

Additionally, XXXX XXXX XXXX XXXX, should stop leaving voice mails on a shared mailbox regarding a " breach of contract '' with XXXX XXXX Immediately. They can be reached at : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
XXXX XXXX 2016 I disputed most of the credit inquiries on my Equifax credit report. All inquiry 's were determined to be factual by Equifax ( No proof of how it was determined even though I requested the proof ). However they are not valid. In fact one of the reported companies ( XXXX has even started the automated process to remove hard inquiry due to fraud.. Equifax has been called and notified of this, but refuses to do anything about it without me purchasing a credit program for XXXX a month.
Using the XXXX credit reporting agencies, I have opted out of credit card offers that are sent through the mail. Despite me opting out, CapitalOne keeps mailing me credit card offers. These offers do not include any instructions or other relevant information for me to opt out of their nonsense. I opted out in the first place due to fears of someone fraudulently opening a credit card with my identity. This concern is especially real, as I was apart of the XXXX XXXX and XXXX fiascos a few years back. Please help.
A disputed medical bill from u of u was given to express recovery services. We explained that it was, and still is disputed to express recovery. We explained there are inaccurate charges and credits and will not pay more until it gets straightened out. They did nothing to straighten it out, threatened us with extra fees, and just filed a legal suit against us. First of all they put this on our credit report and did not mark it as a disputed issue as they are required. Second, they have ignored the judge XXXX XXXX XXXX 's instructions to not charge interest or fees and are still pursuing the inflated amount from us. We have sent them a check but they wo n't cash it. They have do not conduct business to obtain accurate payments on bills. They will not research issues to be accurate. They will not follow the judges direction. They report to credit agencies unlawfully by not explaining the issue is disputed. I also noticed they deceitfully collect collection information at the courthouse without explaining what any why it is going on. Their employees are allowing themselves to be misrepresented as officers of the court in order to get descriptions of assets so they can collect against them. Those people called into court assume the people in the courthouse telling them to fill out paperwork are court officers. That is a deceptive business practice.
American Education Services has changed how payments are applied without clear notice - advancing due dates, due to prepayment, without my consent ). It has failed to adequately respond to issues with their direct debit payment system including notifications of processing errors solely due to their own internal issues. They have also failed to uphold the direct debit agreement, changing the payment amounts without my explicit consent or notification as I pay off my loans.
My problem is that's Equifax refuses to remove XXXX XXXX  from my credit report I have made several attempts to get it removed. I have sent in court documents from when I was being sued for the remaining balance of a car that I never agreed to have in my name.. the judge dismissed the case against me without prejudice.. because it doesn't belong to me.. the other two credit agency 's have already removed it!!! 
but Equifax said that XXXX XXXX  said that the information is correct.. that can't be the case since the other two have removed it already.. this is stopping me from buying a house..
XXXX XXXX has called me repeatedly they call 10 to 15 times  a day. They use different numbers to call. They also use my home phone number to call me, my number pops up on my caller ID when they call. I asked them about this and they act like they do not know what I am talking about. Pleas stop them.
Debt validation sent to company certified and received by company XX/XX/2019 validation requested per Texas Finance Code. Company did not provide proper validation- as of XX/XX/2019. 

Informed company that they have failed to validate this debt and that Ive given them more than alloted time per Texas State Law to validate this dispute. 
Today I contacted the original creditor and paid the balance in full. The original company stated that since the balance has been paid in full and the collection agency failed to validate the date the account needed to be sent back to them and that they needed to delete the tradeline. 

As I was unable to obtain any information pertaining the debt from the collection agency or legality of the account I went to the original creditor. 

Spoke with several representatives today that kept trying to trying me to single dispute representative. That has been unavailable now for 3 days- XXXX XXXX . 
Ive also left messages for the manager XXXX XXXX with no response. 

This company has been still reporting this account even after failing to validate it per the Texas Finance Code. The 3 major credit bureaus have verified this account despite the collection agency verifying this debt properly to me. 

I have tried several times reaching out to this company while they have repeatedly given me the run around on an account that they have not legally validated and is paid. 

Amount paid in full to original creditor- {$120.00} XX/XX/19 Confirmation # XXXX I want this collection account REMOVED from my credit reports immediately for failure to validate debt properly within the time frame.
I do n't know what transworld inc debt is from. 
I would like more information due to the continued increase in interest on that account.
On Sunday XXXX XXXX I called Citibank Master Card department to inform them my credit card was compromised and reported 9 fraudulent charges. Please keep in mind the 9 charges took place in XXXX DC ( my permanent residence ) concurrently while I was on travel to XXXX XXXX. Their fraud department should have picked this up and frozen the account immediately. Citibank should have also notified me regarding the suspicious activity. However, I was the one that notified the Citibank credit card. The account representative took down every fraudulent item and assured me that I was not responsible for those charges and would be receiving a new card by Tuesday XXXX XXXX, XXXX. 

On Wednesday XXXX XXXX, XXXX I check my account on line and I have a new credit card with all the fraudulent charges still active which I reported on Sunday. I called Citibank again and was told that the Citibank representative on Sunday did not flag the 9 fraudulent charges. I was told to repeat them again and spent another hour on the phone reporting fraudulent charges for a second time.

I am writing today regarding a formal complaint that this institution ( Citibank ) be investigated for not responding in a timely to fraudulent charges to not being proactive with their fraud department and for not protecting my financial interests. I have lost all trust in Citibank to perform their duty to protect me and my credit card account. To date I have neither received an e-mail or written confirmation that they are correcting my account regarding the fraudulent charges I 've reported twice to Citibank.
I was contacted by Levinton Law XXXX over a debt I owed with their client XXXX. Over the course of the past year I have attempted to make payments of {$300.00} per month to pay down my balance I owe. Each time, my balance has never gone down. I asked for receipts and they would not give them to me. They also would not give me a summary showing my payoff and each time the price would not go down. They have threatened to arrest me, to put me in prison, sue me and constantly abuse me. Today, they called to ask me to make a payment. They asked me if i can agree to take payments of {$50.00} per month and when I agree they stated OH you dont agree. I dont understand these mind games. I am just trying to pay my debt to power pay. I shouldnt be forced to deal with these ridiculous collection tactics. Over the last few months I have been unable to make a payment but offered several times to make some sort of a payment and each time I was told to pay in full the whole amount. It was not until I complained to power pay that I even got my real balance. They refuse to put any sort of payment arrangement in writing. It is like they are just gunning to sue me. When i tell them to stop writing me they continue to do it. They also threat to seize all my property and sell it at auction.
XXXX does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason Experian can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in XX/XX/2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of Experian and find why the XXXX  this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.
Pasted below is the correspondence I set the company Receiveables Performance Management of XXXX, WA. It describes what I believe is an incorrect attempt to collect a debt without providing any documentation or basis for the debt collection. 

Dear RPM, Re : Your letter of XX/XX/2019 Reference Number XXXX On XX/XX/XXXX19 you sent me a letter stating I owed a debt of {$170.00} to XXXX XXXX XXXX XXXX. I have no relationship with a vendor by that name. This is not a valid debt. Your attempt to collect it is incorrect. 

Please provide me with documentation to support your collection and confirm receipt of this communication. If you can not provide information to support your claim within 30 days I will file a complaint with the California Attorney General 's office and Consumer Financial Protection Bureau and may take further legal action without further notice to you ( except where required by law ).
XX/XX/XXXX XXXX XXXX XXXX, XXXX ambulance service of XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain till XX/XX/XXXX. Is now in the hands of XXXX XXXX XXXX.
I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home.
I have had XXXX Insurance since XXXX. Some how XXXX, XXXX XXXX XXXX deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled onXX/XX/XXXX.
I have also spoke with the XXXX XXXX XXXX and it seems as though the matter is getting worse.
There are two other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved.
However I am filing complaint one at a time, this one being the largest and most difficult.
I hope I have included all that is needed for this matter to receive your attention.
Please Help.