WillisBack/dataset-financial-user-claim huggingface dataset:
Opened up a Comenity Bank Virgin America Visa Credit Card. Original terms of the agreement say that I am eligible for a  XXXX  $ statement credit with my first purchase. It has been about 3-4 months since I opened the card, and everytime I call customer service I do not get a right answer. Please contact the bank to process the credit.
XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX, Pa.XXXX On XX/XX/2017 my wife traveled on the XXXX XXXX XXXX making 4 trips, she said that she paid each time with cash, but didn't get a receipt. I received written notice that my vehicle failed to pay this toll, after some back and forth a company named " Transworld Systems Inc. '' contacted me via a written notice that they were now attempting to collect this debt on behalf of XXXX XXXX XXXX XXXX. 
The amount was {$220.00}, after several phone calls Transworld Systems Inc., said they would agree to a payment of {$120.00} as payment in full and that they would notify XXXX XXXX XXXX XXXX that the debt was paid in full by way of this settlement. 
Transworld Systems Inc. 
XXXX XXXX XXXX XXXX, Oh. XXXX
SunTrust responded to Complaint XXXX and a representative committed personally to stop opening new bank cards without my consent. However, they 've once again started sending repeated cards that were not requested by me. This action is unethical and irresponsible. I would like to request in the strongest possible terms that SunTrust immediately cease opening new accounts or sending unsolicited new bank cards to my address.
On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, Capital One Card Services gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.
I've had issues with Citizens Bank in the recent past. I don't understand why the math is always miscalculated in the banks favor, other than my belief that this bank taxes Customers who are living in poverty. On XX/XX/2018, J made a purchase at XXXX ( online ). While the order was shipped on XX/XX/XXXX, Citizens shows it as a sale on XX/XX/XXXX. I still had {$21.00} in my checking account. Fortunately, I was able to start using credit cards to keep afloat. However, my bank has charged me fees on not having the money in my account that should in fact still be there. I've been charged " fees '' of {$95.00}. However, I'm allegedly {$120.00} in the red. That leaves {$25.00}. {$21.00} is what the " magic math '' reads on my ledger on the Citizens App. I'd like not only my account brought back to good standing, I'd like a full refund of the {$120.00} they will take from tomorrow 's direct deposit paycheck. And, if legal- I'd like them to pay ME a fee for this hassle. {$35.00} would suffice. Thank you for your time and assistance. Please have a beautiful weekend.
This is not my debt. I have no knowledge of this debt at all. I am not sure why they are trying to collect money from me.
Social security admidastration/ I have called there XXXX number 3 times, emailed them once, called my local office, Social security has reported to XXXX and Experian a collection of {$4700.00} They tok my tax refund of {$1500.00} which after calling them they reported it to the credit berues, but they are garnishing my wages and are not reporting this to the credit berues at this point I only owe them {$1200.00}, as I said they are not reporting this and are damagimg my credit,
All three major credit bureaus ' have illegally hoarded, conveyed my personal information for profit for their business. These bureaus ' have portrayed to be a government entity but are mere business private corporations, like XXXX and other businesses. Without this consumers expressed or written consent pursuant the 1974 Privacy Act, all 3 bureaus ' violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways and practices. According to the Fair Debt Collections Practices Act, all bureaus ' maliciously and collectively shared this consumers personal information to make trillions of dollars by selling it ( information ) to various debt collectors, employers, financial institutions, and many others. Just to name a ew. The Federal Trade Commission is to demand on my ( the consumers ) behalf that all 3 credit bureaus ' remove all of this consumers social security number, date of birth, financial accounts, credit/debit card numbers/ address old and new/ health /medical history, and all sensitive information, collected on this consumer. all 3 bureaus ae now in question for reporting fraudulent information to disgrace the consumer, blocking the pursuit of happiness. Bill of right violation. Consumer wishes for damages of XXXX XXXX dollars ( preferably in Gold ) from each bureau for their treasonous deeds and all will be forgiven. Consumer would like to also thank the CFPB for protecting this consumers personal, family and household.
I worked for the XXXX XXXX XXXXXXXX for 27 years as an XXXX XXXXXXXX ( XXXX ) ( XXXX ) ( XXXX ) and was Forced to retire for reporting violations on the government system at age XXXX in XXXX. My students that was established in XX/XX/XXXXand should have been forgiven by the government as I applied, but it never took place. My loan was originally with XXXX XXXX but was turned over to Navient who is over charging students. My loan ended in XXXX at approximately {$17000.00} with an XXXX  Degree and I neve finished to get my XXXX yet my loan Went up to {$36000.00} plus. I contacted OPM who stated my loan should have been forgiven years ago. My Salary prior to retirement was {$71000.00} and now {$19000.00} annually. It is a struggle to try to maintain my current finances plus this student loan. I am a military spouse and my husband is currently suffering from XXXX and dealing with this situation and a student loan of this amount at my age is very stressful. I also have a severe physical, intellectual, or psychiatric XXXX and is in not state to repay a {$36000.00} Loan.
I disputed an item on my credit report with Equifax. I received an email that I can view the results of my dispute online. this dispute was by mail. I never received the result by mail and the only thing I am able to see is a number XXXX and that it was completed on XXXX/XXXX/2016. A screen shot of this is attached. I have no idea what the results of the dispute are and have gotten nothing. The dispute and attachments are also attached.
I've disputed with this company for inaccurate reporting of a University of XXXX account. I've sent the collector furnishing the account a validation letter on XX/XX/18. The company never responded to my request AT ALL. I brought this to the attention of the CRA, who responded with a generic stall letter requesting additional relevant information. I sent that information and they sent me essentially the same response. I am attaching correspondence as evidence of failure to investigate and ultimately delete the information.
On or around XX/XX/XXXX I received a letter from XXXX XXXX XXXX attempting to collect on an debit owed to their client " XXXX XXXX XXXX ''. In a review of the letter and having prior knowledge that I was a victim of identity theft due to a home burglary I immediately contacted vie phone to notify the company of my dispute. In addition I wrote a formal letter including a copy of the police report and affidavit of forgery outlining the position of law enforcement and the ongoing fraud I was enduring. 

Subsequently, on XX/XX/XXXX I received copies of a bank statement from their client showing the incorrect address of record, incorrect phone numbers, and in addition they included a copy of a signature card with an invalid personal signature. Moreover, in my previous letter to this organization I explicit requested a photo identification validating any such claim which went with no vial. 

In closing, the company in question has violated the Fair Debit Collection Act and failed to provide any of the requested documentation. In addition the named collection agency has failed to accept a notarized police report and signed affidavit of identity theft.
Principal balance as of XXXX/XXXX/15 was {$6600.00} and as of XXXX/XXXX/15 was {$6300.00}. Today my balance is {$5700.00}. Monthly Prin {$320.00} and interest was {$29.00}. My balance is not going down as agreed. I have asked Chase to provide me details on the loan and they stated they do not have.
LexisNexis has been notified of mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX COMPLAINT Violation : The three credit bureaus within the past 30 days has stated LexisNexis has provided my information that is under a security freeze in violation of Florida 501.005. 

The 2018 Florida Statutes Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS Chapter 501 CONSUMER PROTECTION View Entire Chapter 501.005Consumer report security freeze. 
( 1 ) For purposes of this section, a security freeze means a notice placed in a consumer report that prohibits a consumer reporting agency, as defined in 15 U.S.C. s. 1681a ( f ), from releasing the consumer report, credit score, or any information contained within the consumer report to a third party without the express authorization of the consumer. This section does not prevent a consumer reporting agency from advising a third party that a security freeze is in effect with respect to the consumer report. For purposes of this part, the term consumer report has the same meaning set forth in 15 U.S.C. s. 1681a ( d ). 
( 2 ) A consumer may place a security freeze on his or her consumer report by : ( a ) Making a request in writing by certified mail to a consumer reporting agency. 
( b ) Including information that properly identifies the consumer. 
( 3 ) A consumer reporting agency shall place a security freeze on a consumer report no later than 5 business days after receiving a request from the consumer. 
( 4 ) The consumer reporting agency shall send a written confirmation of the security freeze to the consumer within 10 business days after instituting the security freeze and shall provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorization for the removal of a security freeze on his or her consumer report pursuant to subsection ( 5 ) or subsection ( 11 ).
I currently have a loan with Santanders Credit Consumer. I took out this loan is XXXX 2015 from XXXX. I have been making all my payments on time. I have actually been paying off more on the loan than the minimum payments. Santanders had been reporting the status of my loan to all XXXX credit bureaus since I opened the account. When XXXX stopped using Santander as a finance company for their business, Santanders stopped reporting to all XXXX of the credit agencies. I have called customer service numerous times and they keep telling me that they report to all the credit bureaus on the XXXX of every month, but for the last two months they have not shown on any of my reports. They keep telling me that they are working to fix the situation but still nothing has shown on my credit report. When Santanders removed themselves from my credit my credit score dropped dramatically.I do not think this is fair especially since I am still making payments and I would like this good credit history to reflect on my credit report. Although Santanders is no longer doing business with XXXX, my account is still open and not closed so I do not understand why they are not reporting it. If I was not making payments I am quite sure they would report that! I am just asking please fix this issue because I am in the process of of trying to purchase a home and I need this to reflect.
I have a tenant that signed a contract with XXXX XXXX XXXX who cancelled service and her contract. The XXXX corporation and their debt collectors continue to contact my tenant for the contract cancellation, but have also put this collection on my credit report. I had a conversation with Perfection Collection regarding this debt, and informed them it was my tenant that signed a contract not me. I have not been provided with any documentation with my signature on it to validate their claims, furthermore, I have a copy of the contract signed by my tenant with XXXX. this was placed for collections on XXXX for an amount of XXXX I filed a dispute with XXXX and provided documentation of the tenant signed contract. There was no resolution and the debt collection agency still contends the information is accurate. I have attached a copy of the contract signed by my tenant with XXXX as absolute proof of whose debt this is.
I am mailing you all the latest information that I received back from Navient. They have been over my loans for a number of years and I have made my payments in which they state otherwise. I have records showing that I sent them the consolidation loan paperwork on XXXX XXXX 2017. Per the paperwork I received from them will prove that same information though they previously stated I had not sent them anything. Someone sent a previous document with my name on it in which that was not me. I had only sent them documentation in XX/XX/XXXX not XX/XX/XXXX.  They say that someone emailed them paperwork, but I sent my information to them by mail certified through the US Postal Service. At this time Navient should still be over my loans and also grant my Public Service Loan Forgiveness as I have also requested due to working in the XXXX field over three years in providing service to the public. I want them to acknowledge that they accepted falsified documents where my identity could possibly be jeopardized due to their negligence for not further investigating after they were aware that I had only been mailing in any items to them through the years. Due to Navient constantly lying regarding my files I began sending them all information via certified mail so that I had further proof for my personal records. Everything Navient has done leading up to this point has been a complete scam in running up interest rates beyond what we are able to pay even if we work etc.
I am a co signer of a loan, for father of student borrower. The private loan company XXXX gives me little information to ensure loan is paid. A payment was posted but when the funds were checked and not available they only email the borrower or notify them of the non payment. I go on my merry way assuming the payment has been made on time until I get a collection call. I asked to get on the email list but they said no. I also get no access to borrower address to ensure it is correct. The system is rigged to only allow borrow know of bad info when that person is not responsible enough to take out a loan by themselves so why would the co borrower not have access to that info?
I attempted to contact a loan provider in regards to a loan towards the end of XXXX. I was given a number of the bank branch to call and was not able to get in contact with them. A month after initial contact I got a letter in the mail from collections. I called and left a message and I did not receive a call back. I recently started a new job from being a XXXX to an XXXX at XXXX XXXX and XXXX. On my second week on the job XXXX XXXX from Stillman and Associates called my job and upon receiving the call I notified and requested he never call my job and gave him my cellphone. Today XXXX/XXXX/XXXX I got back from my lunch and my supervisor informed me that a XXXX called and aggressively asked for me by name after I explicitly told him not to. He then called my cellphone I believe and continued to try and bargain with my loan. When I informed him I am in a tough situation he began to say my co-signer has the assets and if I could n't pay it, he would then go to him to collect.
After my uncle was put in the XXXX I found out he had n't paid land taxes since 2012 and the tax commissioner was going to auction my family heirs property to settle the debt. I was told by ebay customer services reps and mangers that I had completed all the requirements necessary for my funds, to not be held after a sale. I listed my tractor for sale on ebay, and a buyer contacted me from XXXX. I live in XXXX and we both agreed to meet in XXXX at my property for him to check out the tractor. We agreed upon a price and he submitted a offer while we were in XXXX and I accepted while we were there. He paid on the spot thru Paypal and now eBay is holding my money saying I only have XXXX transactions. According to their rules it does n't say XXXX transaction in a 12 month period it says XXXX transactions which I have. 

XXXX XXXX law states that proceeds received from the sale of payment instruments or money transmission net of fees charged and retained by the authorized agent shall be remitted to the licensee or the licensee 's depository financial institution by such means as the licensee shall require within five ( 5 ) business days from the date of the sale or issuance of payment instruments unless more frequent remittance is required by the Department or the licensee. 

The buyer has the tractor, and has left positive feedback and has called ebay on my behalf to pay me. ebay and paypal is just making money off of my money.
Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. 

Thank you
On XX/XX/2018 XXXX contacted my husband regarding my car payment advising him that I had a payment due and telling him that well she had a payment returned, one payment was 30 days late and this payment is about to be 30 days late ... he asked her why she was contacting him, she said because I cant get in contact with her well she only called once and I am at work. First of all I dont know how she got his information second of all you shouldnt be calling and giving him any information regarding my account and what happen on my account. He gave me details of what happen on my account. This shouldnt be happening.
I graduted on XXXX 2007, from XXXX XXXX XXXX, right now my student loans is about XXXX or more, I ca n't paid my loan, I 'm single mother of XXXX, work XXXX hours a week to paid rent, utilities, food etc. I would like to know if XXXX charge me a lot of money got a my XXXX, I do n't work in computers, they didnt help me to find a job. So I would like to know if I have a case. My credit is so poor right now, that I ca n't even buy a house o a car. Help me please
I filed a complaint with the CFPB -Experian has responded that XXXX XXXX STATES THIS IS legitimate- NO DOCUMENTATION - ZERO - and has placed this FRAUD statement on my credit bureau again- Experian has no PROOF - NO DOCUMENTATION what so ever and never will - this is a fraud debt by this firm XXXXXXXX XXXX- I am demanding Experian follow the FTC guidelines on Credit Reporting - I am XXXX - elderly and XXXX this is a TOTAL fraud and I have reported it to the ADA * XXXX * I am seeking damages in a court of law - This is what is reported ** XX/XX/2018 Source Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
This company attempted to collect on a XXXX XXXX debt that was paid in full. I contacted XXXX XXXX and researched with them and they were not showing a debt owed to them and could not find where anything was reported to this debt collection company. They were showing I was paid in full especially since I had current services with them. I contacted the debt collected company back and informed them off this and they said they would report it and have it removed. This was in XX/XX/2014. The account RECENTLY has been ADDED back onto my credit report and is showing as an open account and they are attempting to collect on it again.
Equifax had a security breach and as a result i have become victim of identity theft. My credit card number was stolen to used to attempt to make purchases without my consent.
As of today, XX/XX/18, Experian refuses to remove incorrect personal address with apt . deleted, as my correct address includes MY apt #. XXXX XXXX reported incorrect address with omitted apt # FOUR times. Now " cautious address reported as fraud '' is on my report, causing defamation. I've lived at correct address 25 yrs., & Experian sent report to correct address. Other creditor reports correct address. Experian is either incompent or complicit to take XXXX XXXX 's side. Please investigate possible credit protection sales as motive.
Debtor is inaccurately reporing a debt to the credit bureau. The debt was discharged in a Chapter XXXX.
I never give out my work number as I am not allowed calls at work. I received a call today XXXX XXXX, 2015 from a XXXX at XXXX XXXX stating he needed the last XXXX of my social security number or he needed to verify my address I asked who he was collecting on behalf of as the debts I do have I am working directly with the people I owe and have payment arrangements. He stated he is not allowed to tell me until I give him the last XXXX of my social security or my street address. I said you can send me something in writing but he states they did. I have nothing from ACEI in any form of writing, I asked him when he mailed it he said by asking that question I verified my address..???? What? 

He also said he was calling my home number and I asked him to verify what number he had and he told me he can not give out my home number either. So how am I supposed to verify what they are calling me about without giving information to someone I know nothing about?
I received a call from Portfolio recovery on XX/XX/2018. the representative failed to give proper XXXX XXXX and said out loud the last four of my Social security number before verifying my identity.
Select Portfolio Servicing Inc. in conjunction with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have engaged in an extensive and pervasive pattern of discriminatory practices. We have been victims of mortgage and modification discrimination. SPS has rejected my multiple attempts to modify my home and refused to accept my KYHC and HAMP Programs imposing different terms and conditions without proper explanation. SPS has even gone to the extent of automatically transferring me to a XXXX speaking representative after stating my name. They once suggested I rent out the rooms to different XXXX families so I can catch up with my payments!! I would like to see a monthly/yearly report of the closed cases of foreclosure to show how SPS Inc. along with the above mentioned Banks discriminate the XXXX consumer and wrongfully denies modifications and forecloses on their homes!!
I made several international transaction through Money Gram and filed a complaint but have never heard about how to rectify the situation. They were all international transfers that were the result of an romance scam.