WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX someone opened a credit card in my name with XXXX XXXX XXXX for the XXXX XXXX XXXX and charged {$220.00} in my name. I notified the bank of the problem on XX/XX/XXXX when I became aware of the fraud as the card was sent to my home. I completed the investigation report and returned it to the bank on XX/XX/XXXX. I have been trying since XX/XX/XXXX to place a fraud alert on my credit report with Experian and file a dispute based on identity theft but they have refused to respond to my attempts to contact them on their website or by phone. I called the " special identity theft fraud number '' XXXX but it will not allow me to file a dispute and no one has responded to my messages on their special alert hotline number. I had no issues notifying XXXX or XXXX   and have received confirmation that a fraud alert has been placed on my account and they have acknowledged my dispute. XXXX  has been responsive in investigating the identity theft, only Experian has refused to respond.
Excessive fees and high interest rate of XXXX l only borrow {$940.00} and paid over {$900.00} dollars in fees and finance charge. 
This financial institution shutting down in lending because of. A Federal Government fine of {$10.00} XXXX dollars.
XXXX XXXX ( from Accounts Receivable Consultants ) contacted me this morning asking for information on how to get in touch with my husband 's brother. When I asked what it was in reference to, he told me that it was a " personal matter '' and that he wanted to " extend an olive branch to my brother in law ''. The number he used to contact me is my cell phone and is on the do not call list. I explained that to him and he said that he would remove my name from his call list. So, why is there a call list for a personal matter? 

What is bothersome is that a ) he did not represent himself truthfully as a debt collector and b ) I have not authorized anyone to use my number as a reference for credit and have never cosigned a loan of any sort so I am not sure where he found my unlisted number. I feel his tactics were fraudulent at best. 

The number he called me from was XXXX. The call back number he gave me was XXXX. XXXX numbers are connected to Accounts Receivable Consultants located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The company website is www.accountsreceivableconsultants.com.
I am on a payment plan. I contacted XXXX last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!
I made an ACH debit card purchase with my XXXX Debit card which is directly tied to my Bank of America checking account. Of that original purchase of approx {$300.00}, I returned a jacket valued at approx {$70.00}. I waited several weeks for the refund of {$70.00} to post back into my checking account at Bank of America. I contacted XXXX and they insisted they posted the return. I submitted a claim to Bank of America for the refund amount of {$70.00} due to returning a jacket. After their 30 days of research and me faxing in receipts etc they denied the claim. I called back and again explained that I only returned XXXX item of {$70.00} out of the original purchase of approx {$300.00}. They have escalated the claim and assure me I will receive my refund. On XXXX XXXX I again used my ACH XXXX debit card tied to my Bank of America account for an original purchase of {$120.00}. I then returned approximately {$22.00} of that original purchase. Again the refund of my returned item did not go back into my checking account so I have filed yet another claim with Bank of America to try and get my rightful money refunded. My concern is that this keeps reoccurring and I can not be the only XXXX debit and Bank of America debit card holder this is happening to. If consumers do n't reconcile their purchase and return receipts, Bank of America is just stealing this money and not returning it to its rightful consumers. This could be a huge class action lawsuit and this process need to to highlighted and stopped!
As of XX/XX/XXXX I Realize that my information was used to open account dating back all the way to XX/XX/XXXX for a outstanding balance of {$2100.00}. Second account seemed somewhat similar with an account Dating back to XX/XX/XXXX with a outstanding balance of {$2300.00} .3rd account XXXX XXXX XXXX XXXX XXXX Dating back to XX/XX/XXXX with an outstanding balance of {$260.00} the Specific steps advise by the credit girls which was filing a police report which will be uploaded the file
I received a letter in the mail from Sears Credit Services congratulating me on being approved for an upgrade to the Sears Mastercard. It indicated that I will automatically be upgraded to the mastercard unless I decline by calling XXXX or visiting card offer.searscard.com by XX/XX/2016. I phoned the number and learned that my account was a closed account, which I knew and wanted to keep it that way. When I was transferred to a customer service representative who could help I was put on hold and then hung up on. I do n't want any additional credit and I do n't feel Sears or XXXX should be able to " open '' an account automatically unless I decline their offer, especially on an account that is already in a closed status.
I contacted Experian and have sent countless of letters to have them delete innacurate and wrong addresses jobs and phone numbers from my persona credit report. It is a violation of the FCRA for them to just place and hold this information on my credit report especially when the other credit bureaus have removed them. The information is not correct and that is it!! I need the following information to be removed : was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for them to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 
Each and everything below needs to be deleted. It 's quite disturbing that you are putting others personal information on my file. DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 
Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX
My mortgage was sold to Loan Care Servicing in XXXX. My payment was duplicated on XXXX XXXX, ( my fault ) and requested a refund. After numerous faxes, emails and phone calls, by XXXX XXXX my payment was still not refunded. Since I 've never been late on a mortgage payment and since it was so close to my next payment due date, I requested them to recast my payment to XXXX XXXX payment. I was told every time that it 'll take a few days. I called on XXXX XXXX and spoke with a " supervisor '' and she gave me her word that the payment was going to be applied to my XXXX XXXX payment by XXXX XXXX. I called today, XXXX and was told it will be processed by XXXX XXXX. I asked if the interest was going to be adjusted and also if my payment was going to backdated to XXXX XXXX, since they were in possession of the money. I was told in no uncertain terms, that that is not something they do. There are over 90 complaints about this company on XXXX, all with similar complaints and clients complaining that issues were stalled just so that they can charge fees. XXXX
case XXXX new information Us Bank Minnesota contacted me they have my wire thats federal approved and XXXX XXXX board of directors approved. After explaining they would wire it he dissapeared with the money. He is XXXX XXXX. In XXXX XXXX Minnesota they say to ask the sender to him for the registration number since they dont have it. XXXX XXXX told me he does have it so the the sender to hims registration is not needed. Where did he hide this before he quit? The amount is high so anyone would try to steal. XXXX  in wires told me she knows where it is and wont wire it. I have to emphasise I was shot at the day I argued with XXXX. If only XXXX XXXX knows what he did he should be located. He still does snapshots with US bank locations. The Minnesota US Bank workers are untrained and ignorant. Im reporting XXXX XXXX, XXXX XXXX and XXXX in wires. Also I reported the director either XXXX or XXXX does n't take any calls and do n't return any messages. This is highly important! I was transferred to XXXX XXXX in XXXX XXXX and to XXXX in XXXX XXXX. XXXX was supposed to contact me with an answer and did not. He is at XXXXXXXXXXXX
We received 1 notice in the mail alerting of the debt owed. I went online and made a payment that I could afford at the time. The original debt was {$3000.00} via a credit card with capital one. I made a payment of {$150.00}. 
About 2 weeks later before XXXX there was someone banging on my door. When I got to the door I saw an officer in full uniform, and panicked thinking something awful had happened. But, he was there to serve us papers stating what we owed and it did not reflect the payment I had previously made on their website. 
When we called to talk to them about the debt and offered to make payments they would not agree to not take further court action. They said that they were n't sure if the group of lawyers would agree, but that they normally do if we promise to payoff the debt in full with in three months. They said we would have to make {$200.00} payments each month until we pay the full amount within the three months. 
I found this completely disturbing since I had already initiated payment after the first letter. I felt they were trying to intimidate to demand payment faster. As a mother of XXXX small children who were home with me I truly felt harrassed and threatened in my own home. I want to settle this and find the best solution to a horrible situation. I have also realized making any payment without a written offer is foolish and I have no written agreement from this company.
I took out a loan of {$12000.00} with Prosper Loan, and we agreed that they would take {$600.00} in advancethat is to say, I only received {$11000.00} in my loan. The interest rate was 7.91 percent. 
They were going to charge me {$370.00} on the 20th of each month to cover the minimum payment, which was {$290.00} going toward the principal and {$78.00} in interest, for A TERM OF THREE YEARS. 
I agreed, and I told them that I was going to make some extra payments as often as possible in order to pay off my account BEFORE the term was up. I asked them if the extra payments I would make would be applied to the principal, and they responded that they would. 

I took out the loan in XXXX, and the first payment was made in XXXX. Ive paid almost {$3000.00}, when in actuality I should have just paid {$1100.00} for the three months. 
They have not made the monthly reduction [ of the principal ] as we agreed, neither in XXXX nor in XXXX. That is, they keep on applying interest as if I havent paid, and according to them its because I made additional payments. But theyre also applying interest to the additional payments.
XXXX XXXX is when I first saw Portfolio Recovery show up on my credit reports. I had not received a letter telling me who they were or why they were reporting on me. They continued to report for months to include another time that just showed up this week but shows that they added another account in XXXX?! This is a disgusting company that nobody would want to do business with for a number of reasons. The first is that they report on your credit before you even know we 've m who they are which seems unfair, they have been sued SEVERAL times die grimy reasons, and upon reading reviews when people so agree to pay them they do not send them the proper documentation or follow through on anything on their end. In addition the numbers they call from may them sound like a fake! I attempt to call back and it sounds like fraud. I do n't even know how they got my cell phone number to begin with! I do not have the bad accounts on my credit and have moved on for the better with that company. I have tried to dispute for the same reasons in explaining and all they did was quote a letter that they sent which does not address anything I 've said was n't fair! This company is a scam and I want all history of them removed from my credit report. I 'm young and trying to do right and these fakes are bringing me down with their unfair practices. I 've filled with the XXXX as well but please help me!!!!!
This company has called repeated times, claiming I owe a debt from Checkmate Payday Loan. I do not recall ever making this agreement, I asked them to send me the original contract, they refused saying to go a website and I can get it there. I asked them for the physical address and licence number and they refused, stating that it is security protocol. I asked to speak to a supervisor and they kept putting me on a silent hold then a hard hold. They are calling my family saying I owe this debt and trying to collect it from them. I explained to them that they need to stop calling my family, they have my direct line and I have answered every time, they refused. They said they would " keep on harassing me until the debt is paid ''. I have asked for the burden of proof 6 times already, they refuse to send it. I downloaded the cease of communication notice and sent that to them today, XXXX/XXXX/16. They are very aggressive and will not stop their harassing collection techniques.
I have lived in my home for 45 years but due to inaction and incompetency on the part of my mortgage lender Chase I am in danger of my house being sold at foreclosure auction. I have spent the past 5 years attempting to resolve my issues with Chase. I am able to make a reasonable mortgage payment, but due to the failure of my business and the crashing of the economy I was not able to continue making the monthly payment after it adjusted up while my income was going down. 

Please understand that I have paid my mortgage on time for nearly 40 years. I refinanced through Washington Mutual around XXXX and they put me into an adjustable FHA government insured loan. I thought that my payment would be stable and reasonable, but I found out later that Washington Mutual misled me and my rate and payment increased over time. I had opened a clothing business in XXXX which was initially successful. Of course, the following year the economy crashed and my sales suffered. I hung on for another year but then a XXXX XXXX opened across the street and that was the beginning of the end. 

In XXXX I was struggling and could not afford to make the full monthly payment on the mortgage. I attempted to make partial payments to Chase but they would not accept them. I was told instead that I could apply for a loan modification. I began the process back in XXXX. Since that time I have spoken with Chase at LEAST 100 times on the phone, have sent them thousands of pages of paperwork but yet have never actually been reviewed for any programs. No formal completed review, no denial, just total runaround for XXXX plus years. I feel like a hamster on a wheel!!! The problem is that now they have set a sale date for XXXX XXXX and I fear I am out of options. It does not have to be like this. I receive retirement benefits as well as unemployment payments. Also my son is living with me, he is employed and contributes towards the bills. If Chase would actually take the time to review my information they would see that I can afford a reasonable payment. The problem is they have never taken the time to do so.
I am trying to request a payoff amount for my American Eagle Outfitters ( AEO/SYNCHRONY BANK ) card however they are either unable to give me an amount or unwilling to do so. I spoke with a representitive and she refused to transfer me to a manager when I requested and then proceded to hang up on me. I may be wrong, but having worked for a credit card company I 'm pretty sure that it is federally mandated to provide consumers with their payoff amount calcualted to a certain date pending no additional purchases are made.
XXXX XXXX continues to report an alleged debt of {$410.00} on my credit report under account number XXXX that the credit bureaus have removed three times now. This collection agency, nor the original creditor, have stated they have no records of me ever having an account with this company, XXXX XXXX, listed as the original creditor. It is also passed the Statute of Limitations, nor has it ever been properly validated. Yet this collection agency XXXX XXXX   and continues to re-report this debt after each time it is removed by the credit bureaus. This shows willful noncompliance and it is in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act.
I had to go to a walk in clinic, XXXX XXXX XXXX XXXX, XXXX, in XXXX XXXX, TN on XX/XX/XXXX. At that time I was told by the clinic that all I had to pay at that time was {$25.00} and that they would send me an invoice for whatever the insurance didn't pay. 

Once we received the invoice, my wife called to set up payments of {$25.00} per month since our income is limited. My income has decreased by {$5000.00} over the past two years and my wife 's on XXXX. They would not work with her and demanded we pay in full. When my wife asked to speak to a supervisor she was put on hold for 20 minutes and then they hung up. She tried calling back but they wouldn't answer. 

My wife also tried calling their national office but they refused to work out a payment plan as well. 

They sent us to a collection agency and when I logged in and set up an account, I saw the amount is the same as on the printed statement. I tried to go ahead and pay on a credit card but it would not let me. The total we owe is {$110.00}. I went through the steps to pay this and when we got to the end it said I had typed in the wrong amount. They won't even let us pay in full and I fear that it will show up as old debt on our credit history. 

It has taken a long time for my wife and I to recover from a bankruptcy in XX/XX/XXXX and I don't want this hurting our credit when they refuse to take payment, even in full.
2. Ive leased three or four black VW Jettas through VW Credit over the last 12 or so years. The most recent vehicle is a XXXX Jetta, the lease on which ended XXXX XXXX 

3. Over the summer the dealership representative made multiple calls each week urging me to get out of the lease early and take on a new lease with lower monthly payments. Each time he called, the number was a little lower. 

4. I was reluctant to lease a VW again because of a serious problem with the fuel pump that caused the vehicle to stop dead on the XXXX XXXX at rush hour. It had previously shut down, but not in such a dangerous situation. I asked the dealership to check it ; they claimed no problem. 

5. The dealership representative was the one who mentioned the fuel pump problem and said that VW was keeping it quiet. A friend had a similar situation with a shutdown on XXXX XXXX. 

6. Over the course of dealership representatives calls, I neither made the monthly payments nor did I open VW envelopes because I normally pay the same amount directly from my bank. I dont take calls from 800 numbers, so I had no warning when VW seized the car XX/XX/XXXX. No reason for not making payments, I simply didnt think about it. 

7. I offered to pay the outstanding lease amount ( and an excise tax bill for the vehicle ) which totaled {$1200.00} and change. 

8. XXXX of the VW Credit Active Resolution Team ( XXXX ) informed me XX/XX/XXXX that because the end of the lease was so close, I am obliged to pay {$15000.00} ( plus compensation for other expenses ) in order to retrieve the car. 

9. It doesnt strike me as remotely reasonable to pay close to {$30000.00} to acquire a three-year old Jetta with a serious problem for that amount. That amount includes the cash I already have into the car. 

10. In the meantime, my credit has been destroyed. 

If you need other documentation, please let me know.
the company is Navient and they are repeatedly calling me several times a day 6 days as week. Today they called me three times in an hour. when I called to ask themto em to stop calling me everyday they were rude and denied the calls from today and told me that the calls will continue until I make arrangements. I am working on it but calling several times a day everyday is harassment. 
They also sent a letter to my aunt making her believe that she won a contes. They also harass her telling her that she needs to pay. She lives on Social Security now and they will not remove her from the loan because she is officially XXXX.
Equifax did not properly secure my information among 143 million others as I learned today that my information was stolen. They have my social security number, credit card numbers, income, employment info, birth date, legal name, know my equity levels, and access to security questions. I am very concerned that my identity will be hacked and compromised after being careful all these years to avoid dodgy websites. I am very concerned that someone may steal my identity and credit and or file a fake tax return now that they have my information. This is a huge problem and I hope the government can do something about it.
I went to a first time home buyer class with a friend and come to find out I did not qualify because of my credit. When I sat with the loan officer she begin to tell me what I need to work on. Well the things she identified is not mine and I dont know how they even got on my report. I have contacted the FTC and my police department. I'm doing this on my own behalf. Please have these accounts taken off my credit so I can buy a home for my family.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX.
I get call all the time for a XXXX XXXX, I have told them that the number they have wrong and they are calling a business. I have received these message for years and asked them repeatedly not to call. They are Northwest Collectors @ XXXX.
After making several requests by telephone and by letter, " JPMorgan Chase Bank , N.A . '' has not provided a : 1. Copy of the " Mortgage Loan Payoff '' letter ; and 2. " Closing Statement '' that lists all the " charges '' and " credits '' that were applied by the bank to fully payoff the mortgage loan. 
As a result, there is no way to check the " charges '' or " credits '' as to being correct. 
I paid {$5400.00} Chase on XXXX/XXXX/15 and Chase refunded {$3.00} XXXX/XXXX/15. 
Chase sent a letter that stated that the loan was fully paid off, but Chase did not provide any final accounting of how a payment of {$5400.00} resulted in a return of {$3.00}.