WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was alerted that my XXXX acct. had been changed ( name and address ). After logging in I found several pending charges was placed. After calling XXXX and finding out that it was thru XXXX XXXX. I called my bank @ XXXX XXXX to report it. The bank said they canceled any pending charges and my card. I was told by the bank that a fraud report had been placed and since it was an Unauthorised Use it would take 24-48 hrs for the charges to drop off. Call ended On XX/XX/XXXX I  noticed a {$6.00} had not dropped. I called the bank, told them why I called and was directed to the " Fraud Dept. '' ( not like the first call ). After finding out a fraud report was never logged I was n't a happy camper She then made me feel that I was wrong and as she said " I did n't ask the right questions at the end of the call to insure everything was complete ''! She added " IT 'S ONLY {$6.00}! I was XXXX, asked if we were finished, she replied " If YOU do n't have any more questions. I hung up. I called Back on several occasions only to be placed on hold for a LONG time or misdirected my call till I became frustrated enough to Hang up on the USAA Bank Individual.
When this line of care credit was opened with Sychrony Bank I was paying my payments as per the agreements. When the statements were coming in they were not reflecting my payments. After speaking to sychrony bank due to my concern with the balance and the charges for late fees they assured me they were aware of the mistake and that this would be resubmitted and the payments would be applied. The balance we agreed upon was not correct. I called Sychrony bank to resolve this and I was met with challenge after challenge.
I stopped my payments and continued to call Sychrony Bank, During this process the interest kept adding up.
Regardless of my attempts I was met with opposition.
As of today my balance on the account is XXXX and the interest is XXXX. I called and was transferred to 3 different departments. I was told I can not access full accounting on my account and that there was not a department that could help me. I was given an address to write in for any information that I needed.
I said this is my third attempt to bring resolution to this account. I wanted to pay in full my balance of XXXX  if it reflects the right amount as per my payments and then discuss the interest. Regardless of my efforts I am met with the same response. Mam we can not help you with your requests you have to write in and when I ask to move up the line to a supervisor and demand some type of assistance in bringing this account current I am hung up on.
This account has dragged out this far because I can not get any communication or resolution even when I try to pay The fact that I can not access any of my account information online ( they locked my acocunt ) that I am trying to pay and that I am trying to resolve this matter and they hang up is outrageous. It is truly my belief that they want these accounts to incur interest and these problems with payments not being registered is by design. I could not pay this bill and bring it current if I wanted to.
I now owe more in interest than the charges. I want to pay this bill and be done.
The debt has been satisfied. They wo n't send a letter of deletion so it will be removed from the bureaus.
Third party collection agency has been harassing me for years over a dept. They came to my home and threw paperwork into the doorway when anyone answered the door. They garnished my bank account taking {$17.00} of my last {$20.00} ~ all the money I had to my name. I finally contacted them and worked out a payment plan, they were not flexible on the amount and insisted on {$100.00} a month ~ the only way I was able to do this was to stop filling one of my prescriptions. I paid off the entire balance of the principle ~ informed them in writing that my dept was paid in full. Now they are coming after me for there fees & fines and again threatening to garnish me. The harassment has gone over the top ~ it 's unfair and needs to stop immediately.
Financed a computer with XXXX. Paid for more than half of it with monthly payments bringing the balance down to a little more than $ XXXX.Midland Funding LLC is trying to collect {$2500.00} from me. Not wanting to accept payments that I could afford. But always asking for sums of money that I could not afford. I understand that Midland purchased the debt, possibly from another collections agency that bought it from XXXX. I feel very strongly that sending a debt from {$700.00} to {$2500.00} is taking advantage, overcharging, possibly legally wrong but definitely morally wrong.
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
My father passed away in XX/XX/XXXX. He owned a house whose mortgage had been sold XXXX times in XXXX years. The final mortgage holder was Ocwen Loan Servicing , LLC . The mortgage was upside down, so we decided to let the house foreclose. Through our estate lawyer, we requested a deed in lieu of foreclosure in XX/XX/XXXX. Since then, I have recieved monthly bills and calls until XX/XX/XXXX when they finally sent the paperwork to do the deed in lieu. I signed it in the presence of my lawyer and witnesses. My lawyer XXXX it to Ocwen in the envelope they provided. During all that time, my sisters and I received at least XXXX letters and XXXX or more registered letters about paying the mortgage. There was not enough money in my father 's estate to do so. I told Ocwen that at least XXXX times on the phone and more times in letters from my lawyer. In XX/XX/XXXX, I got a letter requesting that I purchase hazard insurance for the property. My lawyer sent them a copy of the signed deed in lieu papers and reminded them that I do not own the property anymore. The property was vacated in XX/XX/XXXX and Ocwen did an inspection and changed the locks in XX/XX/XXXX. Today I received another notice about purchasing hazard insurance. 

No matter what we do, they keep trying to get me to do something with this property. Also, my lawyer has requested a final statement from them, so that I can close out the estate account and pay a few other bills that ca n't be paid until Ocwen gives me the final statement. They have ignored this request. How do I get this matter closed? I keep having to pick up registered letters and pay lawyer fees for letters to Ocwen, to no avail.
I received two letters and they both were dated for XX/XX/2017 from two different collection companies. I made an settlement agreement with XXXX XXXX XXXX, XXXX, but decided not to pay because one letter state Resurgent Capital Services out of XXXX, SC and the second letter was from XXXX XXXX XXXX out of XXXX Ny and both list XXXX as the owner. On my credit report XXXX XXXX services and XXXX XXXX XXXX are both reported. Please confirm whom is the correct collection of this debt. The original owner was XXXX XXXX
I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points. Which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. 
I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime.
XXXX offers a .25 % interest rate reduction for auto payment. XXXX requires " additional identity verification '' before allowing users to sign up for automatic payments. Despite answering the online questions for identity verification I was told they are unable to verify my identity. Because of this I was requested to mail a copy of three of the following to XXXX : Driver 's License Social Security Card Passport Birth Certificate Prior Year 's XXXX All of these items contain highly sensitive that nobody with a sense of security would provide to anybody. This additional identity verification puts consumer 's privacy at risk and puts an unfair hurdle to receiving the .25 % interest rate reduction.
I am US Citizen and made a transaction from website online to send money via western Union having MTCN number XXXX amount {$290.00} USD on date XXXX XXXX, 2016 through my Debit Card to my father In law/friend XXXX XXXX in XXXX XXXX, XXXX XXXX during XXXX XXXX, but I found he was not there, then very next day I request to cancel the transaction via western Union and submit the Information in details, but they are asking receivers Photo ID. I have no Photo ID of receivers side. I have all information of my Self legally but not from the receivers side. Now they saying they can not send me my Money back.
Consumer Collection Services XXXX XXXX XXXX, XXXX, MA XXXX M-F : XXXX - XXXX, Sat : XXXX - XXXX ET XXXX / XXXX + multiple other phone numbers CALL CENTER SUPPORT : XXXX XXXX : XXXX A. ( I 've withheld the name of the debtor ) These people WILL NOT STOP calling me. I have told them repeatedly that I am not the person they are looking for, I do not know him, I have never met him. He does n't live in my home & he does not own the rights to this phone number. 

They are making my life miserable with the non-stop calling. I have reported them to the DO NOT CALL LIST & FTC.gov. 

Thank you.
continually contacts my employers phone after being told several time that it was a business phone. Additionally, calling third parties ( my parents ) and disclosing that I owe money
I sent three letters to Experian, XXXX, and XXXX ( one in XX/XX/XXXX and over 30 days later in XX/XX/XXXX ) asking that they  investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded Experian, XXXX , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... Experian, XXXX, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..
On XXXX XXXX, 2017, I contacted NelNet to inquire about the 6-month deferment lapsing and what my options were as I am still unemployed. I knew I qualified for an unemployment deferent [ UE ] and asked about it but was told I should NOT apply for the UE deferment because I was already on an Income Based RePayment [ IBR ] Plan for {$0.00} and the customer service rep. claimed this plan included " payment of all interest on subsidized loans and partial interest on unsubsidized loans '' so why would I want to apply for something worse than what I already have???? 

I asked for proof in writing of this interest payment and was treated to double talk. I asked for clarity on a number of thins some I got some I did not. I was in the end firmly advised against the UE deferment. 

When I finally found the document that showed the terms of my IBR it clearly states my interest is capitalized. Thus my need for a deferment and NelNet 's desire for my loans to accrue interest.
I've had a Capital One MasterCard for over a year now. I began with a {$300.00} credit limit. The first time that I requested an " online '' increase on XX/XX/17 resulted in a denial. The explanation provided didn't make any sense ( see attachment ). In XX/XX/XXXX, I submitted another " online '' request which resulted in a {$100.00} increase. I've made a majority of on-time payments on this credit card. I've always paid 3 - 10+ times more than the minimum monthly payment of {$25.00}. I've paid the card off in FULL several times. Despite all of this, I've never received an " automatic '' or promotional increase from Capital One. On today, I spoke with a representative by the name of XXXX with their Executive Resolution Department who was rude and defensive from the very beginning of the conversation. She didn't prove to be helpful at all. She even refused to let me speak with her supervisor.
OnXX/XX/XXXX I received an email from a collection representative stating my account was past due. Upon receiving the email, I noticed that the email was not only sent to me, it was sent to other customers with past due balances and our names were included. Also the mini Miranda was not mentioned anywhere in the email. I contacted Coastal Credit and spoke with a collection manager by the name of XXXX XXXX on XX/XX/XXXX and made him aware of what the representative had done. XXXX stated that he had to contact the Vice President in reference to the issue and would get back with me the same day. On XX/XX/XXXX I contacted XXXX because I had not received a return call and he stated that they were handling the issue internally and there was nothing else they could do. I informed XXXX that I was aware the punishments that could apply to a creditor for violations of the FDCPA and I would like to be compensated for being violated. He stated that would start a formal complaint. OnXX/XX/XXXXI received a call from XXXX XXXX ( a supervisor with Coastal Credit ) and he stated that the company knew the agent had violated the FDCPA and it was handled internally but after speaking with their legal counsel I am due any compensation and I could move forward with my complaints and any legal action.
I had a vehicle loan through Professional Financial Services ( PFS ). In XXXX 2011 we had a major hail storm to hit our area, and the vehicle was totaled out by my insurance XXXX. I have copy of the canceled check along with the release of lien on the vehicle ( Please see attachment ). PFS has a balance of app {$3800.00} on my credit that I have disputed several times to no avail. I have even spoke with several people at PFS and no one can give me a straight answer as to what the charges are for. I have asked for proof several times and they said they did n't have to send me any. I have been told it was where gap was n't paid, then I was told no it was where I owed late fees. I advised them that I know for a fact I did n't owe over $ 3k in late fees, then the story was changed to maybe it was when I first got the car loan and two days later a part on the transmission failed and they fixed it. I advised them that I was told it was being fixed under " XXXX '' and to please show me proof from XXXX XXXX Ford ( where car was purchased ) and they said they did n't have to. Then I was asked if we could come to some kind of arraignments and pay half, and I advised them that they needed to send me documentation/written proof etc that I even owed anything or take this off my credit report.
I have been trying for years to work with XXXX XXXX to have {$5000.00} that was forgiven because my school closed taken off my account. It was taken off my account for a short while back in XX/XX/2008 but then that amount was put back onto my private student loan without a reason, so I kept trying and trying to reach customer service and get this taken care of but I just kept getting transferred to different people who could not help me after I had been told that it would be forgiven. So I contacted the attorney general as well and I included that letter.
To whom it may concern.ONLINE INFORMATION SERVICES # XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I have paid this debt in full to the Utilities company.I was told it would be deleted from my credit profile yet the debt still appears on my credit. It was originally with XXXX XXXX and not sure how it got with ONLINE INFORMATION SERVICES.
XXXX issues : 1. I newly arrived the USA on an XXXX in XXXX, 2012, but could not obtain a Social security number until XXXX, 2012. I rented an apartment with XXXX, paid with my XXXX-based credit cards ( because I could not open a USA account. On XXXX XXXX, XXXX refused to accept payment by credit anymore and required that I pay through a bank account ; which I could not. 

Aside from this difficulty, the apartment was bug-infested. I made XXXX complaints in XXXX that I could not for medical reasons continue to stay in the apartment. After XXXX unsuccessful attempts to debug the apartment, I was offered another equally bug infested one. I moved out of my bugs-infested rented apartment. Residence management failed to attend legal arbitration when I reported bug infestation to the Maryland Attorney General. I signed out properly from the residence, assured that my rental agreement was mutually resolved. Yet, debt collectors have been on me since 2012, seeking to collect grossly overinflated claimed-default. Claims of a default have been listed on my credit report. 

2. I applied for a credit card with XXXX ( 5 ) times. On each occasion XXXX incorrectly reported that my credit score was XXXX ( XXXX ) ; even after I showed evidence to the contrary. I have had to close my account with XXXX because I never got any explanation for the erroneous credit score. XXXX credit enquiries within 1 year has affected my credit report, forcing me to secure credit at high rates. That is just wrong.
I was approved for and activated an American Express ( Delta Platinum ) credit card onXX/XX/XXXX,  and incorrectly assumed that the annual fee of {$190.00} would be waived for the first year and that I would receive a companion certificate for airfare purchase. Once I found that out, I called in more than once to speak with Customer Service, to see if that could be negotiable. I was ultimately told NO on XX/XX/XXXX, and so on that date I cancelled the card and closed the account, and paid off, on that same date, the {$1200.00} that I owed in purchases that I had made ( minus the {$190.00} annual fee that I had decided NOT to pay since I was not going to keep the card ). Now, keep in mind that I had already, on XX/XX/XXXX, paid off the first statement I received for {$250.00} - which included the {$190.00} annual fee ). Then, I asked AMEX to simply allow me to do that and have us be " done with each other. '' Again, on that same date, they said NO - that I still owe the {$190.00} annual fee, plus {$34.00} in fees & interest. Keep in mind that I only had the card for 6 weeks! I followed up by letter, again requesting that, since I paid off what I purchased, and had cancelled the card, to please close all business between us, to which they responded by letter, again saying NO - that the charges were correct. <P/>Now, what can I do? I am getting monthly statements, with additional fees & interest, for a credit card that I have already closed, paid off purchases for, and I feel both harassed and trapped. Can I stop all of this without having to pay these charges that I disagree with? The most recent XX/XX/XXXX statement has me " owing '' {$270.00}!
Identify theft Then cherges made Inquiries Attempts for.loans am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
XXXX XXXX is actively pursuing this a debt in violation of the FDCPA ( while an investigation is in progress ). This account is showing as derogatory information on my credit reports. Moreover, the date the account was opened has been re-aged ( XX/XX/2016 ) ; there is also a discrepancy in the amount ( {$840.00} ). Finally, XXXX XXXX is fraudulently misrepresenting themselves to be the " assignee '' of SYNCHRONY BANK, when in fact they are just debt buyers.
I got a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX They said they are collecting a debt of {$710.00} and if I do n't pay it they ill report it to Credit Bureaus. They did n't tell me what the debt is from. When I called the number on the bill it went to voice mail. I 'm not sure if this is a legitimate company. I googled the name of the company and found another number to contact them. Gave them the reference number on the letter representative wanted my social security number, which I refused to give it to him. He said he ca n't help me if I do n't give it to him. I said I do n't know if this is a legit company. He transferred me, the next person verified my social and said they will send a more detailed report.
I had a XXXX XXXX Credit Card with Wells Fargo Bank that was closed by Wells Fargo without notice. The account was opened in XX/XX/2016  and never had a balance because it is a credit card that is used for medical expenses. Fortunately, I did not need to use it. When I went on the Wells Fargo website to pay my mortgage and other Wells Fargo Credit cards I noticed that the XXXX XXXX was closed. I never received any e-mail, letter or alerts that the account was pending closure. I called up and asked why the account was closed and WF informed me it was closed due to inactivity. I asked why I was not notified and was told someone would contact me in a few days. About a week later I received a letter stating that they do not notify the customer if the account is closed and I would need to go to XXXX XXXX if I wanted to reopen the account. I do not want a new inquiry on my credit report and do not want to have an account showing as closed by the creditor. If I had known the bank was planning on closing the account I would have paid a doctor bill with it to keep it open. I would like this account reopened and I will make a payment to my doctor when I get my annual physical.