WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 n XX/XX/2018 I made a 2 transaction to a person named XXXX XXXX email XXXX n XXXX XXXX XXXX. Transaction over a Bday gift for my son ( XXXX tickets ), {$500.00} each transaction a total of {$1000.00}. We kept in touch for over a week in a half, n suggested using XXXX since it was going to be faster n have statement over the transaction. I send her the 1st transaction which she told me she received n stated they were reserved following by the 2nd transaction she would send the tickets instantly to my XXXX. I never got them. I have been sending her messages over messages n nothing she doesnt reply. Called the bank XXXX XXXX n said they couldnt do anything cause XXXX is involved, called XXXX they dnt have human working their operating system n their options have nothing to do with this. Emailed XXXX n thier response to call my bank provider which means its a back n forth situation without resolving anything. XXXX is financialed by XXXX XXXX n many other banks, only banks owned by XXXX can operate it. They should know where the money goes. They should be able to track it. I as parent work so hard for this n for XXXX to just clean their hands n do  nothing.
TRANS UNION have reported XXXX incorrect bankruptcys on my credit file. i contacted courts about. they informed it could be computer error or somebody with same name. XXXX Bankruptcy Clerk informed they do not verify or validated bankruptcy with credit bureau. Trans Union informed me after responses that it was verified. I have a letter from court informing they did not verified. Trans union is still reporting on my credit report.
I have a loan modification application  XXXX . The POC  XXXX   XXXX  at  XXXX   XXXX   XXXX  ext.  XXXX  Does not return my emails or calls. Meanwhile, my loan modification application lapses and I will be denied and m home goes to foreclosure.     Dates when I have called :  XXXX .    XXXX .    XXXX   XXXX   XXXX   XXXX
on XX/XX/XXXX Direct Recovery Services called my sister and left a very detailed message concerning an account pertaining to me. They gave her my name the amount of the debt owed and the options I have to settle the matter. This was right after they called me and left the same message @ XXXX, they called her number shortly after. They provided my account number as well as my zip code. This is concerning simply because that number could have been changed and belonged to anybody. But their system is designed to call and leave a very detailed message about clients. This is unacceptable and very intrusive to my problems.
I was a victim of identity theft and noticed a collection from XXXX XXXX XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Loan was going fine until i changed jobs, which changed my payday. And bounced right after that, contacted and gave them the new info, date was never changed, cost me more in overdraft fees. Contacted many times never changed it, then because i was behind they just started debit my account with out my permission and not on any agreed day, this hurt, more overdraft charges, i aked them to remove me from the auto pay on XX/XX/XXXX, they did not, more overdraft charges, then they hit my account on their own for XXXX bucks 2 days in a row. nearly lost my apartment and car due to that little mess. eventually they did remove me from the ach pay and stopped debiting my card, saddly the damage was done. now they are taking me to court. Also i had tried to reproduce their billing, and never could get there numbers to add up, so i had a few others much smarter than i check it, and they stated that the numbers didnt add up and something was very fishy about the interest i was paying ... i believe this is true
thier are inquiries on my credit file i did not authorized, witch i believe is fraud due to equifax security breach. 1.XXXX XXXX XX/XX/2018 2. XXXX XXXX XX/XX/2018 3. XXXX XXXX- XXXX XX/XX/2018 4.XXXX XXXX XX/XX/2018
I have a loan with XXXX. I have always made all of my payments on time. One day I decided to check my credit on Experian when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my Experian credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX with no successful resolution. Only Experian is reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late, and I was never 60 days late three times.
On XX/XX/XXXX at approximately XXXX, Credit Management LC called me, identified themselves as a debt collector, and informed me a debt must be paid to avoid going on my credit report. Upon further questioning, it was admitted to me that they did not own the debt. I requested an address to provide written challenge of the debt and request proof, via certified mail and was informed that they operate out of a XXXX XXXX and could not receive certified mail. They admitted to placing a phone call to me via computer in which the representative could not control, and that I could not be removed from being contacted via computer nor could a call be scheduled by them on a payment date because they could not place outgoing calls. 

This company has made repeated phone calls to me that rang once and hung up or hung up when I answered, on the following dates/times in the last month. XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
I open an account in XX/XX/XXXX for dental work and agreed to pay XXXX a month until paid in full. XX/XX/XXXX when I paid the account in full and never used again .. now more than 4 years later I received a letter from XXXX XXXX dated XX/XX/XXXX stating the account will be closed for serious delinquency, time since delq is too recent or unknown, I was never late with a payment in the four years that I had this account and even paid in full early, When I called XXXX XXXX on XX/XX/XXXX I spoke to a woman who all she kept saying was that She will not help me if I continued to yell and get mad, I advised her I was not yelling and I was not angry yet. All she would do was transfer me to a XXXX XXXX XXXX ( that is the number he gave me as reference ). I told him that I was never late with a payment and if the account is paid in full how can I be seriously delinquent .He said to call XXXX XXXX the credit reporting agency. Again I told him you are the ones reporting to XXXX XXXX  this needs to be fixed now, he then was making Hmm sounds and did nothing for me, Since I have never paid this late and it has been more than 4 years since used. it I feel this should be taken off the credit report.
Nationstar has filed foreclosure without standing or jurisdiction. 
Nationstar has knowingly and repeatedly demanded payment for a debt they know is not due. 
Nationstar filed foreclosure relying on a nonnegotiable instrument. 
Nationstar filed foreclosure when it does not have a right to enforce the Mortgage. 
Nationstar breached any and all contractual obligations and is liable to me for damages. 
Nationstar did not acquire legal title to the note and is not a bona fide holder or purchaser for value. 
Nationstar is liable to me for breach of contract. 
Nationstar has committed fraud and is continuing to pursue a claim which it knows is not valid. 
Natoinstar has violated TCPA on multiple occasions. 
Nationstar has violated FDCPA and continues to do so. 
Nationstar has filed false credit reports. 
Nationstar charged for an home inspection that did not occur.
They contacted me at my place of work which is highly unethical and against the FDCPA in NJ. The name of the company contacted was Transworld System Inc.
This is a f/u to closed complaint #  XXXX . I spoke w/Navient re allocating $ $ to my  XXXX  separate loans with the intent of paying off the higher interest loans first. As previously stated in the complaint, I had increased my loan payme nts by roughly twice as much as the original requirement in order to pay the loans off more quickly and was told that I could not allocate funds. Last week, I contacted Navient to 1 ) find out the minimum payments required for each loan ( to continue to make good on the payments ) and, 2 ) advise how I wanted my payment allocated. I was advised by a Navient supervisor that I could only allocate $ $ if I paid EXTRA ( in addition to the monthly extra payment I was already making by auto withdrawal ). When I questioned  why this was so I was told that when I chose to pay more the " terms '' of the loan changed, i.e., they adjusted the payoff date. I still do not understand why that would deter me from allocating funds to the high interest loans first. Certainly I am no financial expert but it makes absolutely no sense to me that because I chose to pay more I would be locked into how I 'm paying this loan, which means that they continue to accrue money from my higher interest loans. Please explain this to me. Thank you.
What happened ... 
I wrote a letter to WFB XXXX XXXX, XXXX, explaining that they were reporting GOOD information for an old Home Equity loan from circa XXXX on my XXXX and XXXX credit files. This information is not showing up on my XXXX credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY XXXX CREDIT FILE. 
What happened next : I received a letter from WFB dated XXXX XXXX, XXXX. The letter was a generic statement letter ... " The date of first delinquency is over 7 years on this account. This account is no longer reporting. A request has been sent to the credit reporting agencies to delete this account. '' Accounts in good standing remain on credit files for 10 years or indefinitely. This account was never delinquent. This is WHY I was requesting this information be added to my XXXX report. 
I understand if they do not want to report this information on XXXX, but by removing this information from XXXX AND XXXX will cause my CREDIT SCORE TO DROP. This will affect my scores by way of the credit mix ( i.e. types of loans mortgage, equity & installment ) and length of credit history. I understand this information is older but it is still useful in a manual review.
I opened a complaint via the CFPB portal to Experian. This is regarding complaint ID # XXXX. Experian closed the account without addressing the specifics of my issue and complaints. The company continues to respond with what seems to be automated or pre-made responses. 

In the complaint with ID # XXXX, Experian states " The data furnisher responded and verified that the disputed information was accurate as reported. ''
XXXX XXXX LA XXXX Support Division / Family Law division is reporting a delinquent child support account on Experian that does not belong to me. I have no child support obligation and I have never been to LA. My child is XXXX. I called XXXX XXXX XXXX Support Division and they state they have no record of any account or information on me. They told me to talk to the credit reporting agency which I did. 

It appears on my credit as Child Support XXXX/LA
On XXXX XXXX, XXXX, I requested assistance from Discover Bank/Discover Financial Services in order to initiate a dispute for a transaction that posted to my Discover Credit Card on XXXX, XXXX, XXXX. The dispute was against a merchant by the name of XXXX XXXX XXXX XXXX in the amount of {$500.00}. The following are the reasons for the dissatisfaction of the services provided by the merchant in which caused the dispute : # 1 - The merchant mislead me into paying for a baseball tournament event so that my son can attend under the conditions that he would use him as a pitcher in which he never did. # 2 - Extremely insufficient game time during the very few innings that my son participated due to the amount of players that the merchant signed up for the tournament. Baseball players want to participate and not be sitting on a bench and watch other players play. # 3 - The merchant provided verbal tournament conditions in which he stated that the players were guaranteed to play four games in which they only played three games even after the forecast was clear of any rain. The explanation given for the reduction of games was that the tournaments management staff stated that they were running behind on schedule. # 4 - The merchant invited 15+ players at {$500.00} each to the tournament and most of them were not even on the event 's roster including my son. # 5 - The  merchant was not an active state of Florida corporation at the time of the tournament event in which raised major concerns. I have provided Discover with numerous statements of how dissatisfied my family and I was with the services provided by the merchant. However, for some reason Discover is on the same side as the merchant. Why should I pay a merchant for his unethical business practice? It is my professional opinion that Discover has broken the Cardmember Agreement by not providing a fair resolution to a merchant complaint/dispute even though the merchant acted in bad faith. However, I acted in good faith and paid the merchant for services that he did fulfill and Discover agrees with the  merchant in which is to basically steal my money.
For the last 3 years I have been getting collection calls for a  XXXX   XXXX . I understand that this person may have had this phone number before it was given to me. When I am at home, I answer the phone and tell the agents that they have the wrong number. Some of them will update their information, but pass on the collection account to someone else so I have to do the same thing all over again. I guess they keep going back to the last phone number that the person had and therefore keep calling my number. I think this is harassment because I keep telling the people the same thing and they keep passing the information on about the client with my phone number. I do not know the names of these collection agencies or their numbers because different numbers come up, so I do not know how to stop this problem.
My credit report shows XXXX XXXX XXXX I had credit cards opened under my name without any authorization. They keep reporting to XXXX and XXXX I need this removed from my credit report
I received a letter in the mail on XX/XX/XXXX from Convergent, in which the letter was dated for XX/XX/XXXX. The letter says your response is requested to pay a bill that I knew nothing about. Today, XX/XX/XXXX, at XXXX XXXX, I called the number listed on the letter XXXX, and spoke to a CSR. I was told by the CSR that this bill was sent to them with an original date from XX/XX/XXXX. I was giving a client account number and a contact number to the original creditor who is XXXX XXXX. The CSR would not give me any information on the debt. I was told that the debt would be placed on my credit report if I did not pay. I ask the CSR why I was not contacted in over 13 years about this matter. I was never contacted from this company or the original creditor who is I ask the CSR at Convergent about the statute of limitation on trying to collect on this bill that was said to be over 13 years old. Convergent did not follow the proper laws on trying to collect this debt, I was never notified, the statute of limitations is up, I am being harassed and told my credit would be impacted. After the phone conversation, I immediately contacted the original creditor at XXXX. I provided the CSR at XXXX the client ID number giving by Convergent, and that company could not find that account.
I have disputed the late payment status reported on the account XXXX XXXX  XXXX XXXX with Experian and XXXX for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
# XXXX XXXX ... XX/XX/XXXX # XXXX XXXX XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX  XXXX ... XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX# XXXX XXXX ... XX/XX/XXXX # XXXX XXXX XXXX ... XX/XX/XXXX # XXXX XXXX.. XX/XX/XXXX # XXXX XXXX.. XX/XX/XXXX # XXXX.. XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX  XXXX ... XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX These are inquires that I do n't recognize!!
Received a call at XXXX on XXXX XXXX, XXXX. After they verified i was the right person they then begun to dun me about a XXXX Mississippi hospital bill with a balance of XXXX. I asked when the service date was and was informed it was XXXX. Really XXXX I told the collector that the bill was not only out of statue of 7 years but 17 years old. I was then informed that I would pay voluntary or they would sue me. Really i asked i then stated to the collector the same information back. I then asked if that is an account they would sue and was assured it was. I then let the collector that I had been in collections for 30 years the last 15 in a collection law firm and I would be contacting the CFPB on his violations.
I have sent a certified letter to XXXX, Experian, and XXXX  disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do, only sent me a letter saying the account was verified.
I received a copy of my credit report, and that is when I notice the collection account for LVNV Funding LLC . I was never notified by the collection company, so I was unable to dispute the account for which they are reporting.
XXXX XXXX has a debt placed on my credit reports in the amount of XXXX. This debt was disputed quite some time ago and was removed by a different collection agency. 
I sent XXXX XXXX a certified debt validation letter and they have yet to respond to my request or send me anything they have to show that this debt belongs to me. This company is using illegal tactics and placing debts back on consumer reports that were removed due to fraud.
For the past 5 years I have been in a foreclosure status with Bank of America. I have returned all of the documents requested. As requested by Bank of America, I have submitted the same documents over and over. I lost my job and got behind in my payments. However, I have been employed for the last 4 years. At XXXX, I went back to college and got my XXXX. I have lived in my home for XXXX years on a 30 year mortgage. I do not want to lose it now. It seems for the past XXXX years Bank of America has been giving me the run-around. It seems they do not want to keep my home on their books. After XXXX years I find this very disturbing. I have been living in fear for 5 years. XXXX. This foreclosure is constantly on my mind!
I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XX/XX/XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance.
I received a bill from PENN CREDIT CORPORATION VIA CITY OF XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/XXXX - XX/XX/XXXX. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/XXXX. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/XXXX WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT
This is the XXXX communication from V & K regarding an alleged debt from XXXX due to disconnection fees. XXXX admits the debt is not valid because I disconnected my lines incident to a XXXX of station and invoked the SCRA.
TitleMax states that they sent by certified mail, a " notice of our plan to sell property '' regarding information about the sale or redemption of the vehicle. 
I recieved nothing regarding this and will request proof at trial. 
TitleMax states that regarding their recovery vendor listed items in my vehicle as " pens '' only. That is false. Your recovery vendor is dishonest and fraudulent, and this will be added to the lawsuit for theft of property.
I took a {$4000.00} balance transfer from Citi Card. This cost me {$120.00} for 0 % interest for 15 months. I continues to make my regular charges to my Citi Card. I made my monthly payment, on time, paying off all my purchases and a little additional. I was charged interest because I did not pay off the full balance of my credit card statement which includes the {$4000.00} I borrowed at 0 % interest. They charges interest on my purchases even though I paid off my purchases in full and on time.
I have sent ( 6 ) disputes to Transunion requesting the Method of Validation/Verification used to validate an account on my credit report.. The account in question is XXXX # XXXX ( dba XXXX ). Disputes were dated XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the only response I keep getting is a new credit report that states " verified, no change ''. I have asked them repeatedly to show me how ALL my requests come back verified, who have they spoke with-if they spoke with anyone give me their info, the means of communication because the XXXX system is not always accurate. I have ask them under FCRA Section 611 ( a ) ( 7 ) to show me their method as in locating the necessary original physical documents of how the info was " verified and/or validated '' to them as per my other five requests.
This debt is from a medical bill of my ex husband who died in XX/XX/XXXX. The debt occurred in mid XX/XX/XXXX and the XXXX keep updating the date on the debt even though it does n't belong to me and it has been over XXXX years.
I approved a automatic withdrawal from checking account for my student loan on a specific date. However, Navient immediately withdrew funds from my account without my permission. I have experienced these unethical and illegal practices twice before with Navient and they have refused to address and correct their practices. Their practices needs to be investigated by a governmental body.
On numerous occasions I advised Transworld Systems based out of XXXX, WA that the individual that they were looking for was no longer an employee. After advising them of a wrong number they continued to call the very next day. I was never advised of the timeline for the number to be removed, only that it would be immediate.