WillisBack/dataset-financial-user-claim huggingface dataset:
I initially received correspondence from American Education Services, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX since XXXX, XXXX. I have repeatedly denied that I have any loans with them. 
All of my loans are with FedLoan Servicing and have been on repayment since XXXX. I do not have any other loans which they claim a balance of {$560.00} out of an original {$1600.00}. They have refused to produce a note or evidence of a disbursement to a school I attended. They have refused to cease contact and collection after sending a cease letter dated XXXX XXXX XXXX in a recent letter stating that their assignee requests they still collect. I have also reported them to the XXXX department. I am formally filing a complaint against them and believe they are perpetrating a fraud. Thank you XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX XXXXXXXXXXXX
I applied for a modification in XXXX 2015 and continued to respond to requests for additional information through XXXX 2015. At a court date on XXXX XXXX, 2015, I was told orally by a representative for ASC that I had been denied for a modification. I was told at that court date that I would receive a letter explaining why I was denied. But, ASC has not provided that letter explaining why I was denied.
We have a business card with Capital One ( XXXX ). We added an employee card and updated our email address. Subsequently our account was locked for suspected fraud. We called Capital one verified our identity and the changes. Capital One requested supporting documentation from us consisting of drivers license copies, utility bills, and a copy of our Social Security card for each cardholder. We thought this an odd request especially since we have been using the card for over a year. We advised them that we were fine sending in everything with the exception of our Social Security card copies as we were not comfortable for security reasons with them having or storing a digital copy of our social security cards. We then sent in drivers license and utility bills for each card holder and with held the Social Security cards. For some reason After numerous calls Capital One refuses to remove the fraud hold on our card until we provide digital copies of our social security cards, which we will not do. This caused disruptions in our business so we opened another card with another company. 

We called Capital One to close our account due to the fact that we were at an impasse. At the time we had a balance of approximately {$560.00}. We had accrued {$510.00} in cash rewards using the card for the last year. We requested to use the cash rewards we had earned to close out the account and fund the balance. Capital One now refuses to let us use our cash rewards until we send in our social security cards. We paid the balance and it seems we will now loose our cash rewards because we refuse to let Capital One have a copy of our Social Security cards. 

No fraud was ever on this card! We made and authorized all changes. I have never had a credit card company hold me XXXX until I fax in a copy of my Social Security card.
I filed a dispute with Equifax to delete all of my incorrect address information and I also asked regarding debt validation on some accounts on my credit report. I received dispute paperwork from Equifax that is dated XX/XX/XXXX under report # XXXX. Per dispute results the following addresses were deleted on XX/XX/XXXX and reinserted and reaged and put back on my credit report when I pulled my report on XX/XX/XXXX. This is a clear violation of the fair credit reporting act with furnishing inaccurate information. I want the following addresses removed immediately as they do not belong on my report after they have been deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
ok on XXXX I have to declare bankcrupcy chapter XXXX while having a WellsFargo mortgage and the reafirmation proccess on this mortgage was not completed on time and ever since the bank has refused to report my payments with the XXXX credit bureaus even though I have never been late or missed a payment since I took out this mortgage in XXXX. 
What recourse do individuals in this situation like mine have? it is been very hard for me to refinance to take advantage of lower interest rates currently avialable to me.
I run a grocery store in XXXX XXXX XXXX, PA. Recently I had taken Western Union agency to provide money transfer services. 

On XXXX/XXXX/XXXX, Western Union withdrew {$1500.00} from my bank account though we did n't do any money transfer transactions. 

When I contacted WU, they found out that fraud has occurred and the money was taken. Since we did n't do any transaction, it appears that someone hacked into their system, made transactions on our name, for which we are not responsible.
i went to use my credit card and it was denied. when i called the bank they said a piece of mail was returned so they blocked the account, i asked for a copy of the returned envelope i was told they shredded it. how can you block an account and not retain any proof. i would like to see if the PO returned or someone in my household returned it dont i have that right. is the banking industry immune to keeping evidence?
I all ready paid XXXX in interest and the loan was for XXXX but know I ca n't afford it no more .So please I need it to stop
US BANK! On XXXX/XXXX/XXXX I made a purchase for XXXX. This brought my account balance to XXXX. On XXXX/XXXX/XXXX the bank charged their monthly fee causing the account to go -XXXX balance. 
Three days later the bank states the purchased from XXXX/XXXX/XXXX was processed and charged an over NSF fee if XXXX. I feel this is wrong due to it was a bank fee that over drafted the account. There was no other balance change when the NSF fee was added. 
I feel this is the bank charging a NSF fee for their bank fee which is wrong. Also I was never made aware my account did not meet the requirements and would be charged a monthy fee. The bank has told me this could change ever month. Too confusing for customer 's to keep up with.
On XX/XX/XXXX I placed multiple orders for the same item.
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Due to Kohls general incompetence they did not fulfill the orders in full ( Cancelled earned Kohls cash before it could be used ). Any attempt at rectifying the situation with Kohls customer support was fruitless. They attempted to make multiple " manual '' orders to rectify the situation but any time these orders were placed, they cancelled them prior to shipping.
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I have attached a screenshot showing communication from a Kohls representative promising a credit of {$890.00} ( How they came up with that number, who knows ). This credit has yet to appear on my statement. I was even instructed that I NEEDED to go to a store and present two forms of ID to a store manager. After doing this in XXXX on XXXX17, the credit was still not issued.
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I would also like to note that I mailed in an official dispute letter to Capital One on XX/XX/XXXX. This dispute letter has gone unanswered and Kohls phone representatives refuse to let you speak with Captial One XXXXctly.
i am trying to move and the debt is hindering me from moving forward i do not owe debt to XXXX XXXX   XXXX XXXX i moved into the unit XX/XX/XXXX and moved out XX/XX/XXXX i sent in all supporting documents from vice president and management team even the rent payment stating my balance with XXXX XXXX   XXXX XXXX was a XXXX balance and I'm am still being harassed about the debt and its also still on on my credit report reporting from IQ DATA INTERNATIONAL
Approximately a decade ago I filed to permanently opt out of receiving unsolicited prescreened credit card offers. As such, I stopped receiving unsolicited offers until today, XX/XX/2016. Today, I received an unsolicited prescreened offer for a Discover card from a creditor using the mailing address XXXX XXXX XXXX XXXX, DE XXXX. Under the Federal Credit Reporting Act, I have a right to opt out. This unsolicited request violates my right to opt out of these types of unwarranted solicitations. There should be recourse for creditors who disrespect the law.
the amount owed is totally incorrect. There is NO WAY I owe {$77000.00} This hurting my chances to purchase a home ... ..I need this REMOVED until we can figure out the correct amount and come to a resolution.
XXXX, Equifax, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
You are reporting an incorrect address on my credit profile. Please remove XXXX address. This has never been my address. 

Also, there are many authorized Inquiries showing on my credit profile from XX/XX/XXXX through XX/XX/XXXX. Please remove these inquiries from my credit profile.
I have changed my phone company and internet service from time warner to XXXX XXXX XXXX the internet was disconnected first and I went to the time warner office to turn in my internet modem they would not take it, " they said the whole service had to be disconnected before anything was turned in ''. I did not get a reference number saying I was trying to turn it in. 
All I have a new bill of when my new service was connected. I received a very large bill and made a phone call to the company and told them it was not right. I would a proper bill for what I really owe from my previous service. They assured me they would take care of it and send me one. That did not happen. 
Nothing was received from them, until a collection agency sent me emails trying to collect and not sure if that is proper to send that to my business email. 

I responded back and they informed me I did not cancel in time, which I did try and the company would not let me. This was verbal I guess I need a reference number for all conversations now? 

XXXX XXXX of XXXX is when the new service was connected for the phone lines. XXXX XXXX is when the fax line was installed and when I tried to being the modem back. 
I am getting charged for service stopping XXXX XXXX that is a month of service not used and going to collection to boot. 

Even my phone calls and many attempts to bring the modem back on my lunch hour did not work. 

There was a sign on the door closed for lunch. So I called 2 times, and finally called again they finally came and took the equipment. On XXXX XXXX. There was no contract with time warner.
I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX  account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.
The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the Federal Bankruptcy XXXX in XXXX, XXXX. XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.
I mailed payments and paid my medical bills online & this company continues to call me after I 've completely paid this bill.
Vehicle XXXX XXXX XXXX XXXX XXXX Car purchased XX/XX/XXXX After repossession of vehicle balanced was first {$4200.00} reported on date XX/XX/XXXX First letter from Santander of settlement was sent XX/XX/XXXX of balance due {$2300.00} of 30 % that amount Debt sold to XXXX XXXX XXXX XXXX dated XX/XX/XXXX their balance is {$4500.00} and they want 40 % of that amount have letter from this company Santander sent letter on XX/XX/XXXX that the sold to XXXX XXXX XXXX, XXXX and the Principal Balance is {$2300.00}
Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to Transunion/XXXX  and XXXX. I asked Transunion/XXXX  and XXXX  to investigate. They still keep show 30 day late.
In XXXX XXXX, I was contacted by a XXXX XXXX salesperson at my door, advertising " free '' home monitoring equipment to those with qualifying credit willing to act now. I signed a XXXX contract under these false pretenses to initiate service, then attempted to cancel the service over a year later. Now, XXXX years after the attempted cancellation, Perfection Collection is attempting to collect {$3500.00} on behalf of XXXX, more than the cost of service over the entirety of the contract. The salesperson was misleading both in that the equipment was free, as well as my ability to cancel and that the offer was " for a limited time ''. I was also never provided in writing the full cost of the services, including the costs associated with early termination. The contract should be considered void under these circumstances.
On XX/XX/XXXX, my FICO score went down from XXXX to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX, the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX. On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX. The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. On XX/XX/XXXX, I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, on XX/XX/XXXX XXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX. I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.
Discover closed my account on XX/XX/2018 with no explanation except for We are unable to meet your servicing needs. I had that card for almost 3 years and never missed a payment or made a late payment. I have contacted Discover multiple times to get an answer, but nobody seems to have one.
I have XXXX loans through Great Lakes that are in repayment, aquired while a student at XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, WI. I have been making regular payments on the XXXX of each month for a number of years. On XX/XX/XXXX I made an extra payment online. The website clearly stated that after regular payments are made I can specify funds minus outstanding interest to be allocated how I specified. However on XX/XX/XXXX when I logged in to my account I see that the extra payment was divided between my XXXX loans. I called the service representative who told me that the " billing cycle '' starts the day after the regular payment is made and any payments after that day are applied as regular payments first, then the remaining amount it applied as an extra payment. She informed she could not change how my payment was applied. I requested to speak to a supervisor, which I did. The supervisor again reiterated that their policy is that the " billing cycle '' starts the day after the regular payment is scheduled and any payments made after that day are applied as regular payments first, applied to both loans, then any remainder is applied as an extra payment. Despite my insistence that my regular payment was not due for several more days and so the extra payment should be applied as such she informed that their policy had change recently to reflect the current " billing cycle '' policy. She informed me " no one can change the policy '' or change how my payment was applied. She also stated she had received multiple complaints regarding this policy. 

I would like to note I am aware that extra payments are applied to interest first. I am not disputing that the funds were applied to interest, but also applied to principal of the other loan.
I have been getting calls from a company called National Credit Adjusters after I already sent a letter requesting debt validation. They claimed that does n't matter and that I have to work something out today or they will take legal action. They are calling me at work after I requested debt validation. The last call was on XX/XX/XXXX at work. 

They insist that I call them and " work something out '' with them. No, they have not provided requested documentation.
I go to see how much my paycheck was on XXXX/XXXX/15 and noticed a garnishment from my check!?? I had no idea what it was for. I found that I was taken to court, under my previously married name ( I 'm now divorced & remarried ). What a surprise, I was never notified! They had the wrong address, even in the court record events it was noted " unclaimed/undelivered mail-not deliverable as addressed, does not live here. '' Apparently I do n't have the right to be informed, they just proceed with a hearing anyway?! A judgement was entered for {$1000.00}. I have no idea what it 's for.
Basically I applied for a refinance auto loan, was told one thing by a bank official who later on withdrew her promise of approving the loan. This took place XX/XX/XXXX and ended today XX/XX/XXXX
I did not authorized hard hits on my credit. I sent letters to all the companies and no reply and this was last year. XXXX is the only one that removed the inquiry
This will be my second complaint about Planet Home Lending, they can not seem to process payments correctly. After my loan was purchased from my original lender, extra payments were not applied to the principal they were put in a " hold '' account until a full payment was reached, then applied, after numerous calls with no results, I filed a complaint with the CFPB, # XXXX, that seemed to have solved the extra principal payment problem.Now after making my regular mortgage payment for XX/XX/XXXX, by chance i logged on to my bank account todayXX/XX/2016 to find that the payments were returned to my account. After calling the lending company they informed me that they changed there billing system and my payment was kicked back? They never notified me that there was a problem with the payment, if i would n't have checked my bank account my payment would have been late. They did accept my payments and wave any fees involved with paying over the phone. But for a company to change THERE billing system and not notify the customer that something may be wrong because of a change THEY made is ridiculous. The CSR told me they notified my bank, well that 's nice but I am the customer, not my bank. Through my dealings with this company I see them nothing more as a shady operator trying to make money on late fees caused by THEM and interest on extra principal payments not applied to the account until a full payment is reached, as in my first complaint about them.
I called over the phone with customer service and made a {$110.00} payment in exchange for them to delete this from my credit report and they have not removed that account from my report.
On XX/XX/2016 I filed a claim with Bank of America because fraudulent charges in the amount of {$24000.00} were made to my Bank of America checking account. My claim was denied 4 times. The first time they said it was denied because I waited a month to report the fraud. But my bank imformation was stolen and the person who stole it made it so I would not be alerted of any of the transactions. Once I realized this Bank of America advised me to file a police report. Which I did with XXXX, XXXX Detective XXXX XXXX ( XXXX XXXXXXXXXXXX ) an arrest warrant was issued for the man XXXX XXXX who stole my funds. XXXX XXXX Is wanted in XXXX and XXXX for criminal impersonation and fraud, but BoA did n't seem to take that information into consideration. Once again BoA denied my claim because they said I checked my online banking statements. When it was XXXX who was checking them. The final time BoA denied my claim they told me they had records of a phone call stating I approved transactions made on my account. But they did not have voice recording proof. They also have several ATM videos of XXXX taking thousands of dollars out every day. They are not using that as evidence. I have been going back and forth with BoA since XX/XX/XXXX and they have been nothing but rude to me and treating me as though I am a criminal when I am the victim. On XX/XX/2016 BoA contacted me and said my claim was denied for the final time and I would not get my funds back unless XXXX XXXX was taken into custody.
I got a copy of my credit report after being denied credit and found a collections account which I did not know existed. The account on the report is from XX/XX/XXXX for a balance of {$1000.00}. I have not received any information from them or the company collection is for : XXXX XXXX XXXX XXXX. I made a phone call to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XX/XX/XXXX requesting paperwork on the original debt because I believed that the debt may have been covered by Insurance. They both promised they would send paperwork on the visit and the debt but I never received anything, and the collections company is still calling to collect the debt. Also in about XXXX when I got the credit report I filed a dispute with experian, and they reconfirmed the debt. On XX/XX/XXXX I called the insurance company, XXXX and they said their records show all claims paid to XXXX XXXX XXXX, called back XX/XX/XXXX and was told they have no record of the debt. All I want to do is get the information on the visit, the billing to insurance and determine if I actually owe the debt.