WillisBack/dataset-financial-user-claim huggingface dataset:
I live in XXXX XXXX Florida where we got hit second hardest by hurricane Irma. I sustained damages to my home and I'am not able to meet my insurance claim deductible so I went to my bank to get a loan. When the bank pulled my credit report it showed I had a tremendous amount of debt around 80,000. My total amount of debt should have been no more than {$300.00} as I own my home and car. On XX/XX/XXXX I went to Experian.com and was told my report was showing that another person ( s ) was on my report so they led me to a gentleman by the name of XXXX in the Mixed Specialist Dept. He  asked me some questions and when he was finished he said my report would be fixed within three days. I then notified my bank and gave them the new information. I recieved a call from my bank after the three days and they told me that Experian was not communicating with XXXX and XXXX and my report is showing even more debt that the first one. I believe the amount I was quoted was over 100,000. 
My report number they gave to me is XXXX.
signed up for a payment plan, I was told by the sales person that if i was approved i had the option of paying in 3 months no interest, but if i wasn't done paying in 3 months, I would just have to make monthly payments until the balance of my item was paid off including a small interest rate. I called to check my balance since the item I purchased was only about {$600.00}, and I have been making XXXX payments for the last 6-7 months. I was told that my current balance was over {$1000.00}. I asked the phone representative how was that possible if that wasn't what I was told. He said well did you read the agreement, I told him no because I wasn't allowed to read it by the sales person. The sales person handled everything for me and only had me sign once everything was complete. I wish I would of read all these bad complaints before because it seems it has happened to a lot of people in a similar manner. It makes it seem like they all omit the contractual obligation since i don't think anyone would actually agree to a 100 % interest rate.
My bank mailed a check to Wells Fargo on XXXX/XXXX/15. I have confirmation and can send you an image of it. Wells Fargo claims the mail did not arrive until XX/XX/2015. The payment was due on XXXX/XXXX/15. Wells Fargo charged me {$38.00} for a late payment and will not waive the charge.
My complaint is against  Exquifax  and  XXXX    XXXX   XXXX  .     I settled all debt that i had with  XXXX   XXXX   XXXX  back in the beginning of  XXXX . My debit account was charged the amount of  XXXX  on  XXXX  to settle  XXXX  account with the collection agency.  XXXX  of those accounts that i settled was for  XXXX  dollars. It was removed from my  XXXX  report but not my equifax report. I filed a dispute once i saw that it had not fell off of my equifax report. Today when i checked my credit report again, it is still there. So i called  XXXX   XXXX   XXXX  today and asked them why the had n't reported that i had paid it off to the credit agency. They informed me that they in fact had reported it to all  XXXX  credit agencies on  XX/XX/2017   , and that i need to call equifax to have them remove it. So i called equifax and they told me that  XXXX   XXXX  had never report that the account was settled on  XX/XX/2017   , the also said that the last time   XXXX   XXXX   reported was on  XX/XX/2017   . I let them now that i have my bank statement proving that i paid off my debt   XXXX   XXXX    and they said it did n't matter. They also said that i had to call   XXXX   XXXX   back because they are the only one who can take it off my credit report. I called  XXXX    XXXX   back after my frustrating conversation with equifax and told them what equifax said and they told me again that they had reported it on  XX/XX/2017   . They also told me to call equifax back. They just keep pushing me back and forth to each other. And as far as i am concerned, if i submit proof ( Receipt/bank statement to equifax they should remove it from my account. I requested that  XXXX   XXXX  send me a settlement letter stating that the accounts were settled and reported to equifax. I settled this account going on 2 months ago and it is still on my account, negatively affecting my credit score. it is absolutely ridiculous.
Hi. I have contacted XXXX, Transunion and XXXX several times asking them to update my address to XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.
I used my American express card on XX/XX/XXXX took out XXXX there where XXXX more transactions back to back for the exact same amount within seconds of each other I would n't have even had time to put my info in again to with draw the money then the same thing happened on XX/XX/XXXX I took another XXXX and there are XXXX more transactions taken out just like the other one so some how it was doubled on my transactions and the fee at the atm was charged every time just like I put my card back through the other times which I did n't American express took less than a week and denied my claim knowing when I called and reported it the guy on the other end that took the report even said there was no way I could have done the transactions they where to close together there was also a charge to XXXX XXXX cable company for XXXX I do n't even have a XXXX XXXX account I did n't authorize it like I said I do n't even have a account with them when I contacted XXXX XXXX they told me since I do n't have a account that I have to dispute it through my credit card company and when I turned it in on the credit card company they are saying I have to turn it in to XXXX XXXX neither one are doing anything to help me what so ever the money that was taken out of my account is my tax money I am a single mom with XXXX kids I do n't have the extra money I am so upset at how easy it was for someone to take money from my account and neither business to do anything to help both companies where rude and completely unhelpful, my credit card company would n't even contact XXXX XXXX to see what account my money was used on and when I tried to contact XXXX XXXX to get that information myself they told me they were n't able to hand that information out that I need to file it through my credit card company so both are just giving me the run around and doing nothing to help me
XXXX XXXX, lost his wife in XX/XX/2012, he was not able to work for a period. 
He himself became ill. He has tried to work with Ocwen Loan Servicing and after ] not being able to get any kind of help from Ocwen he hired an attorney who caused him nothing but trouble. 

Since that time he has tried to reapply for a loan modification and so far he has been declined because he did not know what to do. 

XXXX is a XXXX XXXX  and XXXX  XXXX XXXX he has a great paying job and he wants to save his home he has income that he can prove. 

They said that he could do an appeal or resubmit a new application. we are writing to the CFPB to make sure that they do give him a fair chance at applying and getting a true evaluation because his circumstances have truly changed for the better. 
Thank You
On XX/XX/2018 I got a payoff quote for my loan with Chase Bank of {$6200.00} with a balance on my last statement dated XX/XX/2018 of {$6100.00}. I called in and spoke to a customer rep to make the payment of {$6200.00} and she said I couldn't make it as it was more than I owed. I explained that is my payoff and she said that it can not be done by her. I then spoke with a supervisor who told me that I can not make payoffs over the phone for which I believe is a violation of banking rules as they allow payments by phone which are taken directly out of my account. The supervisor said he would process the payment amount of {$6100.00} which is the amount on my last statement. I said I wanted to pay it all off and not pay compounded interest on what has already happened. He said he would take the remaining money from my escrow account and it would be paid off. I said ok then he said he couldn't process the {$6100.00} and he could do {$6100.00} which he then did. The money was taken directly out of my account as I authorized it. I don't know why I can not make a payment of my full payoff or even the amount on my last statement for that matter over the phone. 

To me it is a way for them to keep accruing interest on my loan without giving me the ability to pay it off in full. 

While the employees are very nice and tried to do what I was wanted they don't have the ability because of the computer system. This system is flawed and causes hardship and unnecessary compounding interest to be accrued. I feel their system should be fixed and they should be fined for not allowing me to do a payoff in full or even pay the amount owed on my last statement.
Disputing a debt showing on my credit report by Portfolio Recovery for the amount of XXXX and XXXX

 I submitted a dispute on XX/XX/2018 via here I sent both my social as well as I requested from the company to show proof that it was my debt the company is saying that they sent debt validation which is not true all they sent was a paper that says XXXX XXXX XXXX and XXXX XXXX XXXX via here.

 Just sending a paper that shows someone's name similar to mine does not make it my debt no idea who either of those two people are and why is there a debt that is been said that is mine when is not.

No history of payments or written contract has been sent showing and reflecting that both of the debts are mine.

This is affecting my credit worthiness and my ability to obtain credit  I need both of this debts to be removed from the credit bureaus as well as  for this debt to be taken out of my name never had the accounts that it continues to say that I had.
I wrote to you the other day saying .. I have wrote multiple letter to capital one about charges and account being fraud..credit card ending in XXXX.. had charges on it after I paid it off on XX/XX/2018.. I do not want the capital one cards to come off my report as it hurts my credit score.. I want new cards sent to me at my address on file and all charges taken off. I wrote letters after letters.. I do not want my credit score hurt or accounts removed.. I want new cards and charges fixed. I will send the charges again to have them removed.. I want my account to to stay on my credit report. For over year, I have been writing letters.. please send me cards and do not remove accounts off my credit report. On XX/XX/XXXX, I requested new cards over the phone as well. Account ending in XXXX is in good standing and does not need to be removed off my credit report. Just need new cards.
XXXX XXXX is reporting my Date Of First Delinquency inaccurate according to XXXX XXXX my Date of First Delinquency is XX/XX/XXXX and stated that last payment was XX/XX/XXXX before the account went to charge off. I agree that was the last payment I did was XX/XX/XXXX but the payment was returned by the bank and should have not credited to my payment history as payment last payment was XX/XX/XXXX. I am requesting Honda to delete this seven year account that they are still reporting inaccurate.
To Whom It May Concern : My name is XXXX XXXX and I am disputing the balance on my account. Please see the following bank transaction history attached, which includes 10 pages. Please see the first payment made on XX/XX/XXXX ; it was made at the dealership for {$690.00}. I took possession of the vehicle on XX/XX/XXXX. The month of XX/XX/XXXX in the amount XXXX and XX/XX/XXXX in the amount of XXXX dollars payments was made. Then on XX/XX/XXXX, another payment was made for {$750.00}. Now lets move now to XX/XX/XXXX, Two payments was made on XX/XX/XXXX for {$720.00} and another payment on XX/XX/XXXX for the month of XXXX ; XXXX ( Advance Payment ) of XXXX. So basically I am one month ahead. Now lets look at XX/XX/XXXX payment for XX/XX/XXXX, again Im ahead by one month. Then on the month of XXXX, XXXX another payment for XXXX ( Again advance payment for XX/XX/XXXX ). Then again in XX/XX/XXXX payment made for XX/XX/XXXX. ( Again advance payment for XXXX, XXXX ). On XX/XX/XXXX another payment made in amount of XXXX. ( Again advance payment for XX/XX/XXXX ). Basically you should get the picture by now. Then in the month of XX/XX/XXXX another payment XXXX was made for XX/XX/XXXX. Since I was ahead by one month XX/XX/XXXX was the only month I didnt make a payment because I was ahead by one month. On XX/XX/XXXX payment made XXXX for the month of XXXX. Now Im not ahead. Then XX/XX/XXXX payment made XXXX for the month of XXXX, XXXX. Then on XX/XX/XXXX another payment was made {$770.00}. Now on the month XX/XX/XXXX a payment of {$1400.00}, which covered the month of XXXX and XX/XX/XXXX. Furthermore on XX/XX/XXXX a payment was made in the amount of {$1400.00}, which covers the month of XX/XX/XXXX and XX/XX/XXXX. ( After this payment Im behind a month in XXXX ). Finally on XX/XX/XXXX ; I made a payment in the amount of {$2100.00} ; which should have covered the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I am still seeing a balance for this month of XX/XX/XXXX, which should not be.
North American Recovery is reporting on my credit report for a very old debt that was actually paid by my insurance over 6 years ago. This is erroneous and I have been disputing it and nothing has been done. 
The bureaus and NAR are reporting inaccurate information that is old & past the statute of limitations as well as it was paid already by insurance.
I full paid the balance over {$10000.00} to Lowe's/Synchrony Bank last year to close the credit card account. That was the condition to get equity loan from Embrace Home-loan. 
The Lowe's/Synchrony Bank has never mailed the next month statement, and the following statement shows the account is open and there is {$35.00} interest from XXXX balance. 
I had called for the complaint, and the bank said they will review. However, the bank keeps ask me about paying {$35.00} for settlement. Now XXXX XXXX asks me about {$790.00} for settlement, otherwise the company will lawsuit for that.
On    XXXX   XXXX     2017   I  called Convergent Outsourcing and spoke to  XXXX   XXXX  ext  XXXX .. I explained to him that I a collection account on my credit report and need explaination of the debt due to me trying to buy a house I was needed to resolve this. He told me of the sum of {$730.00} and offered me a settlement of  XXXX .. I explained to him that I would like for some documentation showing the debt and where the charges came from because I was unaware.. he explained to me that he would send me documentation to verify the debt in the mail. I gave him my mailing address and said that I would be in contact with him after receiving the documentation. I gave it more than 45 days to receive and never receive anything. I then proceeded to dispute this with the credit bureau because I do believe that this is unjust and after I disputed this with the credit bureau I received a letter from Convergent stating " Based on the information you provided us for your credit reporting dispute we have completed our investigation and reported back to the credit report agency '' ( letter attached ). VERY vague letter and not at all resolving the issue. First and foremost this debt was NEVER verified as a debt of mine. Second of all  XXXX   XXXX   (  rep for  Convergent   )  did NOT follow protocol in sending information to myself the consumer with the information regarding the charges and balance. And also, there was NOT information given to the credit bureau except that it belongs to me and that is untrue. Fair Credit Reporting Act states that if ask the creditor or collect agency has to give documentation or proof of debt if ask by the consumer. It is unlawful for  Convergent  to demand payment on a account that the y have YET to p roof any information to me. I 've been a victim of identity theft and I 'm all to familiar of how this goes. I need this resolved as soon as possible in order to continue the process of purchasing a home for my family. I 'm requesting th at Convergent  send ALL documentation verifying the debt from the original creditor and in the event that it is invalid that the account is closed and deleted from my credit report from all agencies.
The XXXX XXXX credit card account ending in XXXX was charged off and sold to XXXXXXXX XXXX XXXX. Then sold to XXXX XXXX. I settled and paid in full on account and was promised a pay and delete. But Id settle for the comments on report saying paid charge off. Or paid and settle for less. Not a charge off account. Plus I have proof of a letter showing its paid.
I RECEIVED A COURT DOCUMENT ON XXXX XXXX, 2016 STATING I HAVE A MAGISTRATE HEARING ON XXXX AT XXXX XXXX. I CALLED THE COURT AND THEY TOLD ME TO CALL THE ATTORNEY THAT IS ON THE PAPER ( XXXX ). I CALLED AND SPOKE TO XXXX XXXX AT XXXX XXXX. WHEN I SPOKE TO XXXX I WAS ASKING IF HE COULD SEND ME ANY DOCUMENTS THAT HAD MY NAME ON IT. HE STATED THERE WAS ONLY STATEMENTS. I ASKED IF HE COULD SEND EVERYTHING WITH MY NAME ON IT IE THE SIGN UP OF THE CC AND MY SIGNATURE, THE AMOUNT OWED AND HOW THEY GOT THAT NUMBER, WHAT WAS BOUGHT, THE DATE THE DEBT BECAME BECAME PAYABLE, BASICALLY ALL INFO THEY HAD AND THE GUY TOLD ME HE WOULD PUT IN A REQUEST TO SEND OUT COPIES OF MY STATEMENT BUT THATS ALL AND IF IT SENDS IT SENDS AND IF IT DOES N'T OH WELL. HE WAS YELLING AT ME AND MADE ME FEEL VERY UNCOMFORTABLE WHEN I JUST WANTED VERIFICATION AND WHAT WAS GETTING BROUGHT TO COURT HENCE THE FIRST TIME OF HEARING OF THIS DEBT.
I have been a long time card customer with American Express. Never missed a payment or had any problems. I received a new offer to spend over {$4000.00} and receive bonus points, flight credits, hotels credits, etc.

Upon using the card to buy something that cost over {$4000.00} my account was suspended and now American Express is asking for personal income information. After going back and forth asking them to grant me my credit as was outlined in the agreement. They have refused to do so.
Bank of America placed limitations on my account. Refused to settle terms under the Mines and Minerals Act as the XXXX intermediary for XXXX. I have sent a International wire transfer to ; XXXX : XXXX, Bank of America N.A.,XXXX XXXX, XXXX XXXX NY XXXX. Account number XXXX ; XXXX number:XXXX ; XXXX : XXXX, XXXX.
I received an offer from Chase credit card to transfer a balance with zero interest for XXXX months. On XXXX XXXX, XXXX, I applied for a balance transfer to pay off my XXXX XXXX card. Balance transfer was not approved but they said I qualify for {$3500.00} credit line and that they will send me my new Chase credit card in the mail. After about two weeks I received the card but did not activate it since I did not need another credit card. 

Next thing I know, I received a XXXX XXXX statement in the mail on XXXX XXXX, XXXX stating that a balance transfer was made in the amount of {$3300.00} to XXXX XXXX. I called their customer service number and spoke with a " XXXX '' explaining that I did not like it and did not authorize the balance transfer. I said I do not want to be making extra payment on another card that I did not open. I asked " XXXX '' to reverse the transaction because I believe this will affect my credit report. 

Well, transaction was not reversed so I called again to complain and spoke with " XXXX ''. She said that " XXXX '' messed up by reversing a wrong transaction ( which was not my fault ) and it was already too late to reverse it after so many days. I told " XXXX '' that I should not be responsible for their mistake and feel that they should " eat their '' mistake and consider it as a gift. Trying to be fair, I said, I will pay them back the amount transferred minus transfer and late fees. " XXXX '' said that I have until XXXX XXXX, XXXX to pay it off, but after that date, there will be interest assessed. 

This is wrong, since after they did what they did, it adversely affected my credit score. I feel like I do n't owe them anything anymore after the damage they did to my credit. Remember, I never authorized the {$3300.00} balance transfer and never activated the credit card that was sent to me. Is this not a fraudulent act?
On Saturday, XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX, Florida, to test drive a new car. I found a car I liked and negotiated with the saleswoman, XXXX XXXX, but we never reached an agreeable price. I specifically asked her if the credit inquiry she needed would appear as a hard inquiry on my credit report, because at that time I was not applying for any type of financing as we had not agreed on the sales price. She specifically told me that the inquiries are soft inquiries. However, I noticed today that not one, but two, hard inquiries are appearing on my Equifax report. I tried to contact Equifax online and by phone but was unsuccessful.
I would like these two hard inquires-one from " XXXX  '' and one from XXXX XXXX XXXX, XXXX datedXX/XX/XXXX, to be removed from my credit report as soon as possible, as I am currently trying to finance a new ( or used ) car.
Thank you for your time.
On XX/XX/XXXX I received an an notification that an collection was added to my XXXX credit report from SCA collections account number XXXX this account was previously deleted from my credit reports in XX/XX/XXXX. and now re inserted which is against the law. also I have never received a letter within in 5 days of communication which the company has never had communication with me via mail or phone and according to 15 U.S.C. 1692g ; see 5.7.2.5, supra. this is a FRDCA violation which in fact I could take to court and the sue the company for being in violation of my consumer rights. this are the actions that must take place before a company can just put something on my credit file Within 5 days of the first communication with you, debt collectors must provide you with a written ( or verbal ) notice that contains : The amount of the debt The name of the creditor A statement noting the debt will be considered valid unless disputed within 30 days Notice that the debt collector will send a verification and validation of the debt if the request is made within 30 days Validation rights : If you send the debt collector a request for validation or verification of the debt, they can not contact you during the interim period, can not continue collection efforts, and can not report any negatives to the credit bureaus. Once they do provide validation, they may resume collection and reporting activities. which was not done I did n't have the right to validate this at all. plaintiff must be accompanied by certain materials as set forth in N.C. Gen. Stat. 58-70-150 : ( 1 ) A copy of the contract or other writing evidencing the original debt, which must contain a signature of the defendant. If a claim is based on credit card debt and no such signed writing evidencing the original debt ever existed, then copies of documents generated when the credit card was actually used must be attached. If the company IN FACT CAN NOT PROVIDE A ACTUAL SIGNED COPY OF A CONTRACT THAT I HAVE WITH THEM THE DEBT IS NOT VALID. VERIFIYING MY NAME ADDRESS AND SOICAL SECUIRTY NUMBER IS NOT VALDIATING ANY KINDS OF DEBT OWED. ( 2 ) A copy of the assignment or other writing establishing that the plaintiff is the owner of the debt. If the debt has been assigned more than once, then each assignment or other writing evidencing transfer of ownership must be attached to establish an unbroken chain of ownership. Each assignment or other writing evidencing transfer of ownership must contain the original account number of the debt purchased and must clearly show the debtor 's name associated with that account number. I 'm VERY AWARE OF THE VIOLATIONS THAT OF MY COUNSUER RIGHTS AND WILL PRUSE ANY LEGAL ACTION AGAINST THE COMPANY IF NECESSARY.
This company continues to call me after I told them to stop. They will not tell me what they want without providing personal information.