WillisBack/dataset-financial-user-claim huggingface dataset:
I received a credit monitoring notification a few days ago. The notice was to let me know that a report was received about a negative report about a unpaid account. I was stunned to hear of an account that wasnt paid. We found the number of the debt collector and called them and they stated they purchased the debt from a medical provider. The unpaid amount is {$340.00} claimed by debt collector and by medical provider. Thee day service was rendered I paid {$170.00} that was due and wasnt advised any other amount was due.. Service was done in XX/XX/2018 and after calling the medical provider they claimed they tried to call once and sent two statements to my home. The only notice that I received was when the credit monitoring company sent a notification a few days ago. The medical provider said the debt was sold and they couldnt help me. I pay every bill due and sent to me. The medical provider has no proof that a bill was sent. They could have sent an email or certified letter. Phone calls unfortunately are not safe, you never know who has stolen information using it to commit fraud. The medical provider nor the debt collector ever tried to contact me that Im aware of. I told them the balance wasnt a problem provided I receive a bill for service. The debt collector didnt have bill since they didnt render any service to me. The medical provider said the debt was sold and out of there control. I want my credit cleared of any negative impact from the debt collector.
Have had a checking account, debit card with Discover Bank since XX/XX/2018. Have submitted multiple IC3s, complaint forms, letters, etc., to all federal banking agencies in DC. You all should have big files on me by now, CFPB included. Closed checking account with Discover XX/XX/2018, as you can see only had this account for 6 months before the XXXX XXXX the fan. Spoke with an Agent XXXX, if, in fact, he is NOT a FRAUD, with regard to stolen checkbook, etc., still on going, woman of SUSPICION, XXXX, who cleans house where I reside, XXXX be a theft ring, XXXX. Today I noticed the number provided to me on my checks w/ this bank ( account number ) is 10 digits, looking very much like a phone number, decided to call that number and a woman answered, could be a coincidence or NOT. This needs to be investigated, you at the CFPB have to convince me this is a coincidence. Also confirm to me banking institutions can have as many or as few digits in their account numbers, not a consistent amount of numbers as instituted by the Federal Reserve Board. Another checking account I have has 12 digits for account numbers. With mega on going issues there seems to be a consistent pattern here with my banking. Please advise. Maybe a Set-Up, conspiracy, multiple questionable married into extended family members.
XX/XX/XXXX COMPLAINT : To whom it may concern ; I had used a XOOM Money transfer to wire money through phone apps program that I have. I have an online account with XOOM, which is owned by XXXX. I initiated a XXXX U.S Dollars money wire transaction from my Checking Account ATM card of XXXX XXXX XXXX  through XOOM. This transaction was done using XOOM Money service to transfer money to country of XXXX to ( XXXX Account and IBAN number : ) to my sibling XXXX XXXX. 
XOOM Transaction confirmation is XXXX. 

It has been 4 calendar days since I did this transaction with XOOM.com a money transfer XOOM representatives have given me two false phone instant messages claiming to have send the money and completed the transaction indicated it was deposited into the XXXX Account reference above. 

Upon having my sister XXXX XXXX whom supposed to receive this wired money I asked her to check her Bank account online. This account summary which is enclosed as evidence does not show any deposit of that date or amount at all. Zero transactions on XX/XX/XXXX. In the amount of XXXX US Dollars. This is clear evidence that XOOM is defrauding customer of XXXX  through their unreliable and dishonest money transfer service which has failed to complete transaction and has cause an alarm by sending a fake message to my phone showing the transaction was completed. 

I am sending you all the transaction screen shots and XOOM direct emails and messages as an evidence of their evasive customer service and defrauding corporation base in XXXX XXXX XXXX. 

XXXX XXXX XXXX, XXXX
For weeks, I 've asked this company to replace my card, as it has been compromised. Someone has made unauthorized charges on this card. XXXX charge was to a place called XXXX for {$4.00}. Others include XXXX XXXX and XXXX XXXX 's. I reported the card as COMPROMISED months ago, and requested a new card. Then, someone stole the card, and it is no longer in my possession. As a rule of thumb, I make small payments to all of my credit cards. Total Visa was no exception. In spite of this, they have been telling me that I 'm past due of {$43.00}. They are also reporting the account as delinquent, clearly billing me for unauthorized charges.
A Dentist made an appliance for my XXXX XXXX. He put it in my mouth and I said no this is horrible, I don't want it and gave it back to him. He contracted a debt collection company and they have put the collection on my credit bureau reports, trying to make me pay the fraudulent bill of {$2500.00} The Collection company is I C System Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX Phone : XXXX
Wells Fargo stole {$150.00} from my deceased mother 's savings account than charged her {$12.00} to allow them to steal her money. It is that simple. Plus they refuse to give back the original deposit so I can go to the issuer & get a replacement check. Now I have to reach back out to the issuer, which by the way these {$150.00} stolen funds were from XXXX XXXX CFPB settlement.

This is my joint account as the executor there was no notice that they will steal her money given.
We received info from you that Ditech send a letter stating they had sent repayment papers to use on XX/XX/XXXX.Wr have not gotten any paperwork from DITECH for payment schedule or and letter from legal Dept and the rep from. XXXX XXXX re they playing a game.Theu will not take payment or the reps have no knowledge of payment plan What do we do for the company to let us keep our house and make payment. Thank you.Who else can I call Thank you
PayPal Mastercard by Synchrony Bank I have n't had this card long at all, however every single time I make a payment my payment is not showing in my available credit and every single time I have to contact this issuer and ask WHY? They continuously tell me they are 'waiting for confirmation ' - yet do n't tell me what that means. For example, last week I made a {$200.00} payment, it was taken out of my personal bank account 24 hours later, yet 48 hours later from that it is still not reflected on my account. I contacted them yet again, they tell me to 'wait ' another 48 hours 'to see if it is confirmed. WHAT IS THIS BOGUS XXXX???? Taking my money then waiting a week + to actually post it. THIS IS WRONG.
Dear Sir or Madam, I am writing this letter to correct the unlawful pulling off my credit report for issuing a replacement XXXX XXXX credit card which is the breach of agreement made on XX/XX/2015 over the phone. 

I called to the phone number XXXX at XXXX XXXX ( Pacific Standard Time ) on XX/XX/2015 for my XXXX XXXX XXXX credit card as I received a communication via postal mail. I was told that XXXX XXXX card will be discontinued due to new XXXX partnerships. 
Over the phone, I was offered another replacement card and I asked multiple times that it would not require a hard credit pull avoiding any negative impact on my credit score. I was informed by XXXX XXXX agent taking my application over the phone many times including disclaimer agreement that there will not be any credit pull from any credit agency for this card. They also told me that this conversation is recorded and there will not be any issue in future regarding my concern for credit pull. 

I, however, see a hard credit pull for the same credit card application on my credit card. I contacted XXXX XXXX several times over phone and I was told that they are aware of this issue and it will be taken care of. I also sent fax communication ( attached ) on XX/XX/2015 and XX/XX/2015 detailing the issue but I do not see any action from XXXX XXXX. Even after more than 7 months, I do not get any proper response or see any action on this from XXXX XXXX. 

I look forward to get the XXXX XXXX credit inquiry deleted from all XXXX credit bureaus. 

Thank you. 

XXXX, XXXX
I have several private student loans with Navient/XXXX. I and my mother have taken steps to arrange payment arrangements several times, but we are constantly being told that our payments were not applied and that the accounts are always past due or nearing default. Speaking with representatives proves to be fruitless and little action is taken to remedy the situation. Information from XXXX phone call is given and then a new representative will follow-up with incomplete information or information that does not match which was previously discussed.
*My compliant is that I feel Bank of America did a 'Bait and Switch ' tactic to get me to move forward with my application. Below is my account of the events : I applied for a HELOC through Bank of America on XX/XX/2018. I spoke with customer representative XXXX XXXX, MLS XXXX. He asked me a series of questions, including by house mortgage balance, my estimated credit score ( Which I stated was around 700 ), My income, and other information along these lines. I also allowed him to run my credit. I was looking for him to give me an accurate quote for an interest rate, line of credit amount and term length. During the conversation XXXX indicated that I would be able to qualify for a line of credit amount of {$67000.00} at 4.25 %. I confirmed with him that this was going to be the term of the agreement prior to and after he ran my credit. XXXX strongly inferred that I would qualify for the terms he was stating and also stated 'I guarantee you qualify for this ' at some point in the conversation. It was because of this that I decided to have my credit run and to move forward with the application. He state the next steps in the process would be for underwriting to call me to collect some more paperwork. 
When Underwriting did call ( XXXX XXXX ) she stated that she had a new offer for me. She stated I only qualify for a line of credit of {$33000.00} at 7.69 %. I asked her why the drastic change in terms and stated that it was because of the high debt to equity ratio. I told her I felt that XXXX pulled a 'Bait and Switch ' with me because he quoted, and practically guaranteed my terms so he could get the application moving forward. 
I asked to speak to XXXX 's boss and stated my feelings of dissatisfaction and that I felt tricked into applying for the loan. I asked her why XXXX would have stated the terms and guaranteed them. XXXX 's boss wasn't sure why he may have done that because he doesn't have access to view credit reports and can only go off of info that I provided. 
I also called up XXXX 's boss, ( XXXX XXXX ) and spoke with him about the issue. I asked both XXXX and XXXXXXXX XXXX boss to honor the terms that I was quoted by XXXX but both said they were unable too. XXXX did indicated that he would review the phone log that was recorded between me and XXXX to understand why there was a break down in communication. 
So there should be a recording that can be reviewed to substantiate my compliant. 
*Note I do have a letter that Bank of America sent me that substantiates the initial terms that XXXX stated to me. I don't have the letter as of right now to upload but can do so if required.
Known that debt had to be paid, had a major health issues starting in XX/XX/2018, funds were not always available to pay my bills in full/on time, explained the situation, closed account and asked for the final bill and to get the FINAL amount owed for the Cable Service ( Internet, TV, phone service ). 

Promised to pay {$50.00} dollars per month to original creditor, but to no avail, it was sent to this collection agency Diversified Consultants and it has been a nightmare ever since, and Diversified Consultants stated that I did not keep with the previous arrangement I made with the in XX/XX/2018, and it ( the account ) will be sent back to the original Creditor XXXX/XXXX. contacted original Creditor to make a final arrangement to pay them back at the rate of {$50.00} dollars per month or more to relieve this debt. 

But they are still constantly phoning me and they placed it in collection on my credit report, as they told me that it wouldn't as I had made a previous arrangements with them to pay {$50.00} a month, and this is not so, as I received a copy of my free credit report from XXXX and it is showing in collection and am awaiting the reports from XXXX, and XXXX.
over the years I have tried to pay my student loans, however, Every company that I dealt with has done me wrong. I 've payed on time and sometime early and extra, so these companies response is to change the payment schedule and how the funds are allocated. This in turn, makes me as late or non-payment. The companies are fedloan ; XXXX, XXXX, college loan, XXXX and XXXX/College loan. Consequently, my principle goes up and I will never be able to pay this off, also it negatively effects my credit rating. I tried out AFFORDABLE LIFE PLAN and it has only made it worse. I pay them a fee on top of repaying the student loan.
On XX/XX/XXXX, I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.
Bank : Chase Bank Name : XXXX ( representative im talking to today ) Amount : {$27000.00} My account was closed without my knowledge and they claim they mailed a check to an address I dont live at. Needed to fill out a change of address form and get it notarized which I did. 

Reason for denial : Did not know a check number that was never sent to me. 

XX/XX/2018 - Visited branch to inquire about previous visit where I filled out and notarized the change of address form -- > XXXX XXXX location XX/XX/2018 - XXXX XXXX location -- initially filled out form and notarized it.
On XX/XX/2016, I went to a CHASE ATM located at XXXX XXXX XXXX XXXX, XXXX FL XXXX ( ATM Term ID XXXX. ) I went there to deposit {$1000.00} in cash in {$20.00} bills. The first {$600.00} went through perfectly, but for the remaining {$400.00} the ATM took in the cash and then displayed an error on the screen, telling me it was unable to put these {$400.00} into my account. It also said I should call a number to fix this problem, and indeed I called this Chase Customer Support number and spoke with a woman. This lady said that a temporary credit of {$400.00} would be applied to my account while the ATM error was looked into. Roughly two weeks later, I received a letter from CHASE stating that my claim was indeed true and the ATM had a problem as I said, and so the {$400.00} credit previously applied became permanent and I thought this was over with ( Claim ID : XXXX. ) Around 4-5 days later, I was notified that the {$400.00} had actually been taken away from my account and I was overdrafted, even though my claim had gone through and the money was meant to have been given back to me. I called customer service again and they said my previous claim had been denied by the bank ( even though I had received a letter stating the opposite from them before ), as they said the {$400.00} I previously failed to deposit on XX/XX/XXXX were never in the ATM to begin with. I am thus demanding an investigation of this issue, as someone clearly took those {$400.00} and I am being denied the {$400.00} credit of my account. The events I described as the truth and I testify that on XX/XX/2016 I deposited those {$400.00}, but it was the ATM that was at fault. I would want them to check the security footage or anything else at their disposal to prove that the ATM took my {$400.00}.
I received a phone call this week  (   XXXX   XXXX   XXXX  ) that I had an outstanding debt from  XXXX . However, I do not have any bills from the original company they claim to be collecting for to say that I owe anything. I have a screen shot from this my doctor stating that I have no outstanding bills.    XXXX   I have had the same phone number for a decade so they clearly did not try hard to contact me by phone before this point. During the phone call, I was NOT told that I could dispute the claim if I needed to. I have moved once but forwarded my mail and did not receive anything from them.
There is an account reporting on my credit report from  Capital One . I already contacted then and the credit agencies to let them know someone was using my identity to open accounts in my name. But the account still remains. I did not open a  Ca  pital One  account or purchase a car with them.
I purchased furniture at XXXX XXXX of XXXX, The terms of the agreement were 12 months same as cash. My finance agreement is through TOWER LOAN and is calculated differently. The interest has been added to the purchase before the finance agreement of 12 months with no interest has expired. This company also does not send out statements for the monthly payment due. I asked them about the statement and was told we do n't send statements- they only send out late reminders. Date of XXXX XXXX XXXX, 2016, I reported this to the furniture company XXXX XXXX, 2016 and I am now reporting this to you. This is unfair lending practices and needs to be investigated and prosecuted for taking advantage of the undeserved XXXX. TOWER LOAN is charging interest in advance and this is against the law.
This company has been harrassing me by telephone saying that i owe them multiple debts. I sent a dispute to their company and they have responded with a letter stating that they have already verified these accounts and that they are under no obligation to verify again. However, I DID NOT receive anything from this company prior to the billing statement i received in XX/XX/XXXX. As per The FCRA i have the right to dispute any information that is being reported to the credit bureaus. Also Billing Statements ARE NOT considered verification of accounts. This company continues to report these accounts to the credit bureaus without having properly provided information on as to how these accounts are verified. This disputed information will be forwarded to the FTC and Attorney general 's office due to unfair and improper reporting actions on Louisiana Recovery Services behalf. I do not and have never been in contract with this company nor have i ever accepted services from their company so i am requesting that all collections attempts to stopped immediately. 

UNVERIFIED ACCOUNTS : XXXX billing - {$48.00} LRS/ XXXX billing - {$43.00} XXXX XXXX - {$1700.00} XXXX XXXX - {$180.00}
I am concerned about the validity and accuracy of Equifax recent investigation conformation # XXXX of this account # XXXX with XXXX that is reporting on my credit report. In XX/XX/2018 I requested an investigation because I felt the item was not being reported legally. XX/XX/2018 I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!? SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX ) you have on file of the account # XXXX. 
Furthermore, XXXX account information was deleted from XXXX   because the fraudulent account could not be legally verify.
I was added as an authorized user on my wife 's XXXX XXXX credit card roughly four months ago, I noticed XX/XX/XXXXand XX/XX/XXXX updated my reports immediately to reflect the accurate information, by doing this my score and improved drastically. I have been waiting for Experian to update and when I noticed they have never updated this information I called them on XX/XX/XXXX to address this issue, I was told they could not add this account because it would negatively impact my credit file due to 2 late  payments in XXXX. My wife is unaware of any late payments and according to XXXX and XXXX payment history is great! I requested this account to be added and the representative stated they could not do it. This is causing about a 100 point difference in my scores everything else matches up except this.
I pulled my credit reports on  XXXX   XXXX ,  2017  because I was trying to obtain a mortgage. Then I noticed it stated that I had a collection fro m Credit Management f or  XXXX . This was news to me. I disputed it with the credit bureau because I have filed complaints with  XXXX  before and provided documentation. Further, I contacted Credit Management and although they had a collection for a  XXXX   XXXX , they did not have  one  for a  XXXX   XXXX  with a matching social security number. Therefore, I 'm sure why it 's on my credit. The credit bureau conducted it supposed investigation and left it on my credit as verified. I 'm confused because they have no record for a matching social security number.
I had a Vehicle Loan and Personal Loan with USAA Savings Bank in XX/XX/XXXX. I went thru a divorce and left XXXX in XX/XX/XXXX. There were several months i missed payments on these loans. I paid the vehicle loan balance of {$17000.00} and personal loan balance of {$2800.00}, before USAA got it to collections. 

They put on my credit report both loans were charged off and never paid. I submitted a complaint to the XXXX XXXX XXXX, complaint # XXXX and they got USAA to remove statement they were never paid. 

USAA continues to put on credit report both loans were charged off, when in fact they were paid in full and they did not charge off any losses. 

USAA auto loan is account # XXXX USAA personal loan account # XXXX ( last 4 numbers not shown on credit report ) USAA was paid in full sometime in XX/XX/XXXX-XX/XX/XXXX, can not recall exact date.
Over the years since XX/XX/XXXX, I have been trying to resolve the issue of getting behind in payments through loss of income by various methods. My request for loan modification in the earlier years were never approved. Today, Bank of America has  filed a Notice of Default against the HELOC, recorded XX/XX/XXXX. Today I mailed a QWR to XXXX XXXX XXXX XXXX XXXX again. I had sent several QWRs over the years and never received an adequate response. I also have mailed two Rescission Letters and appropriate measures were not taken according to the law regarding the rescission process, therefore the Deeds of Trust and Notes are void.

I have attached the correspondence.

Also, the CA statute of limitations ( CCP 336a ) has passed for any attempts to collect on a note or deed of trust and the alleged servicers continue to attempt to collect an alleged debt, also violating the FDCPA as the alleged debts were never legitimately validated.