WillisBack/dataset-financial-user-claim huggingface dataset:
My experience with the store XXXX XXXX in XXXX has been the most infuriating and I was tricked into getting a Home Depot credit card. My boyfriend and I recently purchased a house and needed a washer and dryer. I already have a Best Buy credit card and they had a promotion for 36 months interest. We were going to purchase them from Best Buy, but when we went into this store on XXXX/XXXX/XXXX, we were informed by an appliance employee that if we applied for the Home Depot credit card, we could get {$600.00} off a better ( and more expensive ) XXXX set and the next day was the last day of the sale. I was also informed that delivery was typically 2-3 days. The next day, after I got approved for the credit card, I came back to the store to purchase the XXXX set. After about an hour and a half the same appliance employee could not figure out why the {$600.00} was not being deducted. Another 30-45 min goes by and he tells me he finally figured out that the {$600.00} only applies to the washer and dryer if we purchased all kitchen appliances as well. Heartbroken that now Ive fallen in love with this XXXX set, I ask to speak with a manager. The manager only speaks with the employee over the phone and agrees to take {$350.00} off. When he comes to perform an override on the system for {$350.00} off, he is on his phone and does not even acknowledge my presence. All in all, after being at this store for almost 3, maybe 4 hours and paying about {$300.00} more than my budget, I was ready to get out of there and finish painting my new house. Instead of the normal 3 days, I didnt get my set until 6 days later XXXX/XXXX/XXXX. They showed up with a XXXX set so I refused the delivery. I went back into the store and spoke with the delivery manager. She said she could try to find the sale price on the XXXX set so I waited again for about another 30-45 min. She said she could give me the sale price for the XXXX set but she couldnt give me the additional {$350.00} off. I again waited to speak with a manager. This time the department manager said he couldnt take {$350.00} off and he was off the day I made the original purchase. He stated that he would not have approved the discount if he had been working that day. He did not offer any solution to the problem, and didnt care that his associates were misleading and giving out incorrect information to customer. After getting my refund, I left with no washer and dryer and only the feeling of being tricked into a Home Depot credit card.
Over the last few months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been requesting validation on multiple occasions for a debt that is listed on my credit reports. I have been asking for evidence that bears my signature that shows that I have a contractual obligation to pay Midland. I have not received anything that I requested and it is still listed on my credit reports from all XXXX of the Credit Reporting Agencies.
The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXX will prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXXto report the credit cards. THIS IS EVIDENCE OF AN ATTACK!
On XX/XX/XXXX, I received emergency medical services from XXXX XXXX of TX. In early XX/XX/XXXX, XXXX XXXX merged with XXXX XXXX XXXX ( XXXX ). At the time of my service, I paid the required {$250.00} fee and my health care provider, XXXX paid all other charges. In mid-XX/XX/XXXX, I received notification from a collection firm entitled, AMCOL, XXXX XXXX XXXX, XXXX, SC - ( XXXX ) XXXX. They indicated that they were retained by XXXX to collect {$250.00}. I explained to them that I had inquired with XXXX and learned that all fees had been paid and that I owed nothing. I also sent in a written letter, via US Mail, to dispute of this charge. This apparently went on deaf ears and AMCOL continued to attempt contact with me. I again called them and informed them of the wrongful charges. While on vacation onXX/XX/XXXX, my credit monitoring service, XXXX, informed me that I had at least two collection account, XXXX and XXXX that had been added to me credit bureau report. <P/>On XX/XX/XXXX, I called XXXX to request additional assistance and their representative name XXXX and I got on the phone with XXXX 's representative named, XXXX. XXXX looked at my account and immediately stated that this account was sent to AMCOL in error. She stated that my account had been paid in full. On another line, XXXX called AMCOL and spoke with XXXX to have this account removed from further action and to also delete the wrongful collection notice that was erroneously reported to the credit bureau companies. XXXX stated that I would be receiving a formal letter from XXXX along with the AUD number which would confirm that this collection account had been removed from my credit bureau reports. XXXX indicated that she would call me by XX/XX/XXXX and inform me regarding the AUD number and that my CBRs would be cleared of this wrongful entry made by AMCOL. <P/>As I write this complaint, nothing has taken place and I am extremely concerned and frustrated. I have always paid all of bills and I have been blessed with an XXXX credit score. I do the right thing and I am appalled by this treatment.
I have been out of the USA for the past 5 years and during this period my SSN has been used to apply for his/her loan. ( I have clear evidence that I have not been out of the country- I am still abroad ).
I was without phone access during a XXXX XX/XX/2016 and missed a credit card payment through TD Bank. I set up an automatic payment but it never went through. When I returned, I fixed the situation by calling card services and they waived my interest fee and my late fee. Since, on my credit report it still says that I have missed payments which I had waived. I have called card services to try and get everything taken care of and they are not helping to get this removed off my credit report. Also, TD card services sent me a letter in the mail lowering my credit from XXXX to XXXX because I used my card too often. The reason I used my card to often is because in XX/XX/XXXX I had some identity theft on my debit card and live no where near a branch office to get a new one so the advisor told me to use my credit card that I paid off just as it were a debit card. I have kept up with this card making double payments repeatedly and this is severely effecting my credit.
debt is currently listed with Grant Mercantile Agency as of XX/XX/2017 for {$1500.00} on behalf of original creditor XXXX XXXX company. This is NOT my debt and they have nothing tp identify it as my debt. After repeated calls to both collections and original creditor asking for identification as proof of debt-neither company is able to provide that claiming that they do not habe it and do not need it. I have never been sick a day in my life and never used an ambulance or any other medical transportation in my life. This is NOT my account and I am asking that it be closed and removed from all of my credit reports. Next step will be to get attorney and ask for damages. This is not right to be charged for something I have never used. it is NOT my account. Either show me the identification used to obtain this account or remove it from my credit reports please.
the servicer for my mortgage Nationstar Mortgage has given XXXX to Service instructions to commence with a sale date of XXXX/XXXX/2015 without my knowledge, my knowledge while I am in the Modification process, this is totally illegal. nationstar has been a " nightmare " to work with. they have been giving me the run-a-round for months, with the same XXXX for months. I get phone calls once in awhile, which I respond to but they do n't leave a message often, I happen to check my calls. 
alls. It 's the same story, they did n't receive certain info, could n't read some forms, different Reps working on my packet and never calling you back until they feel like it.
In XXXX XXXX, I decided to pull my credit report. I found that there was a debt listed from National Credit Systems in the amount of {$5200.00}. I disputed this with the credit bureaus and asked that they send me supporting documents as to why this debt is listed on my credit report. They responded by saying that the debt has been verified with no actual verification documents. I was simply confused because this is not my debt and I was not sure what to do. I finally looked at my credit report again and noticed it was from XXXX XXXX XXXX XXXX and shows that the account was opened on XXXX/XXXX/XXXX. I had just moved out of a property XXXX/XXXX/XXXX but this lease was under XXXX XXXX XXXX and NOT XXXX XXXX XXXX XXXX. I moved out of XXXX XXXX XXXX on XXXX/XXXX/XXXX and signed a lease for my current residence on XXXX/XXXX/XXXX. I moved out slowly and made sure the residence was in top shape before vacating. I have never broken a lease nor have I damaged any properties. I am not sure why XXXX XXXX XXXX XXXX and National Credit systems has this massive debt listed on my credit report but I would like it removed as soon as possible. I have attached for your convenience the notice to vacate receipt that was sent to me from XXXX XXXX XXXX, my lease renewal for my current residence showing when my lease first started, and a page of my credit report that shows this collection from the collection agency National Credit System and the original creditor XXXX XXXX XXXX XXXX
I opened a PMA checking and brokerage account with  Wells Fargo  in  XXXX .   I had  XXXX  checking account, a credit card and ATM card at that time.     At some point in  XXXX , inexplicably, a second checking account appeared on my statements. I believe this account was opened as a result of the fraudulent and unauthorized accounts opened by  Wells Fargo em ployees pressured to meet sales goals, which has been addressed in a class-action lawsuit against  Wells Fargo.  I am not part of the class-action case. Mysteriously, the second checking account was removed from my PMA account in  XXXX   XXXX . I had met with a  Wells Fargo empl oyee in  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  to provide more information regarding a fraudulent transaction which took place on  XXXX   XXXX ,  XXXX .
I listed 2 XXXX XXXX concert tickets on XXXX on Friday, XX/XX/XXXX and received a text inquiry from a XXXX XXXX offering me {$600.00} for the 2 3-Day pass wristbands. He offered to pay via Venmo and requested that I give the wristbands to his friend, XXXX. I received 2 {$300.00} payments via Venmo from XXXX and transferred the {$600.00} to my Venmo-linked XXXX checking account. I then agreed to meet XXXX at the XXXX at XXXX XXXX XXXX in XXXX XXXX at XXXX and gave him the 2 wristbands. My bank transfer was subsequently cancelled a few hours later by Venmo and I was given no recourse to obtain my tickets or the {$600.00}.
The law firm, XXXX, XXXX, XXXX XXXX XXXX XXXX obtained a judgment against me on behalf of MRC Receivables Corp in the amount of {$2400.00} in XX/XX/XXXX and made no attempt to collect for 7 years so that interest could accrue on the debt at 9 %. In XX/XX/XXXX the judge awarded them the interest and the judgment became {$4200.00}. My employer deducted bi-weekly from my wages until it was paid in full in XX/XX/XXXX They never filed a satisfaction of judgment. 7 months later, they contacted my employer claiming that because they never told them to stop sending payments, I now owe interest. Coming again with the interest makes me sure that everything they have done in connection with this case has been a deliberate attempt to inflate the original debt. There are several complaints against this company and this law firm and it is time that someone stand up and stop their deplorable tactics.
Back in XX/XX/XXXX/XX/XX/XXXX, XXXX invited me to open up a credit card with them for a {$40.00} gift promotion. Never mentioning the name of the bank or their background/reputation. So I did a credit card account with them. 3 months after opening my credit card, I noticed that my bill was not going down when I was paying double the minimum monthly payment. I contacted XXXX and they told me that I had to contact XXXX XXXX who was hiding behind XXXX. I tried to close my credit card account immediately, and finally 2 months later on XX/XX/XXXX, I received a letter stating that they have closed my account. So, I requested that they transfer all of my payments over to my debit card, the way I have been paying XXXX with their XXXX payment option for over 6 years. My last payment to XXXX was in XX/XX/XXXX and now my account with XXXX is paid in full. Now, XXXX is stating that I owe them, and they are trying to ruin my credit. They managed to put the credit card balance through my XXXX account and I had to close my bank account so they don't rob me. I have proof showing that I have paid XXXX in full. The bank is currently claiming that I owe them {$500.00}! They are a bunch of thieves. Look at their reviews to prove it. I have contacted the XXXX as well XXXX. They have advised me to contact you as well. I would appreciate it if you could provide me with any assistance/advice. Attached you will find the XXXX cancellation letter I received, the emails I sent them requesting to cancel my credit card account and transfer my remaining payments to my debit card, my last check payment I made to XXXX, and my XXXX XXXX XXXX statement showing that my account is paid in full. 
Thank you
In the   XXXX   of    1998  I graduated from  XXXX  my loan total was about {$6000.00}. I have made years of payments to  XXXX   XXXX  and then years of payments to Navient and yet my balance is over {$6000.00}. I have contacted both companies and no one can tell me what is going on, it has been almost 20 years and my balance is still the same. This is my first step before I try and contact attorneys involved in lawsuits against them. For years I was making payments of {$120.00} a month but as it has been 20 years i now longer have these records.
I am applying for a business line of credit. The bank informed me that it can not approve me because there is an account in collections on my credit report. The collections company is Choice Recovery Out of XXXX Ohio and they are collecting for a company called XXXX XXXX XXXX. According to my XXXX  Credit report the account was opened XX/XX/2014 and has a balance of {$580.00}. After several calls to Choice Recovery inquiring as to the reason for the debt one of their representatives informed me that the original company XXXX XXXX XXXX  has been dissolved and they have no information about the original debt. When I asked about how they would contact XXXX XXXX XXXX I was told that there was no phone number only a XXXX   XXXX XXXX, XXXX Fl XXXX. The following address and phone number listed on line : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida USA Phone : XXXX. 
The phone number is disconnected. 
Prior to this I have never even heard of XXXX XXXX XXXX and have had no dealings with them. 
A XXXX search of XXXX XXXX XXXX revealed numerous complaints of people whom have experienced the same things : XXXX XXXX XXXX XXXX XXXX XXXX Choice Recovery Inc has 127 complaints with the better business bureau : XXXX : XXXX I have already filed a dispute through XXXX  and was told that it would take up to 30 days to get a resolution. 

Thank you for your time and consideration in these matters. Your anticipated assistance and prompt reply is greatly appreciated. 

Best regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
There was a {$210.00} withdrawal on XX/XX/2018 from my Checking account from Bank of America that according to the bank associate I did, but I did not withdraw the money and they do not want to investigate or return my money.
XXXX XXXX, 2014 ( 3 yrs, 5 mos ), {$710.00}, XXXX XXXX XXXX Never respond back to my letters. Because I have never been to this hospital.
I have a loan on my credit report that has been sold to AD ASTRA from a company called XXXX XXXX. I contacted AD ASTRA and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission. This account is fraudulent. I 'm not sure who scammed me but I am not liable for this debt.
XXXX XXXX sent me a letter on XX/XX/XXXX informing me they contacted trans union and the inquiry on XX/XX/XXXX would be removed within 6-8 weeks. It has been 11 weeks and the inquiry is still on the report.
I have a collection on my credit reports for PYOD XXXX. I have called them and sent them letters ( that were signed for ) over 10 times and I have never heard from them. I do not owe them anything and they will not respond for clarification. 

This needs to be removed immediately or I will have to take them to court and ask for damages.
On XX/XX/XXXX I ( XXXX ) purchased a round trip ( XX/XX/XXXX to XX/XX/XXXX ) flight ticket for {$1300.00} to XXXX XXXX from XXXX using my XXXX XXXX credit card to visit my ailing father. 
I also purchased a flight insurance for {$82.00} to protect for 100 % refund incase of trip cancellation. Ten days later, I was advised of the XXXX in XXXX XXXX and called XXXX to cancel the flight becauseof the latest news of XXXX outbreak in the country I planned to travel. 
XXXX started to argue that the airline has to accept the cancellationfor a refund ... otherwise I will forfeit the payment made for the trip. Itold this agent that the transaction was made with XXXX and there is aninsurance coverage to cover full refund of {$1400.00} less {$82.00} ( insurancecost ). I explained to the agent that the trip to XXXX XXXX is prohibited for non essencial travelers according to State Department. I did not get a response from XXXX. I then called my credit card company, XXXX XXXX and denied the charge. The amount wascredited to my account while XXXX XXXX advised XXXX about mycomplaint. XXXX rejected my complaint and XXXX reinstated the costincluded monthly interest rate of 22.9 % since XX/XX/XXXX. I have objectedto the bill and monthly interest and sent a complaint letter ( Case No. 
XXXX and No. XXXX XXXX on XX/XX/XXXX with all records oftransaction including insurance coverage and warning from the nation 's CDCto not travel to XXXX XXXX has ignored my objection, and insteadcontinue to send me bills of outstanding payments, adding monthlyinterest, stopped the use of the credit cards and has sent bad credit recordthat has now created problems with me getting a loan to purchase a home for me and my family. see attached record of dispute. 
I request that XXXX XXXX be investigated for its abuse of consumer protection law and immediately clear all negative reports under my name, XXXX XXXX at all three credit bureaus.
On Sunday XX/XX/XXXX XXXX XXXX informed me that a new account had been opened under my name. On Monday XX/XX/XXXX I received a BP Visa Card in the mail. On Monday XX/XX/XXXX I filed a dispute with XXXX XXXX. On Tuesday XX/XX/XXXX I received a letter from SYNCHRONY Bank asking for confirmation that I had opened a BP Visa account. On Wednesday XX/XX/XXXX I called the Bank and they opened a fraud account, they closed the account and said that they would sent notification to the credit rating companies.
I had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
XXXX  1.XXXX XXXX XXXX  2.XXXX  XXXX XXXX XXXX 3.XXXX/XXXX  XXXX   1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX/XXXX  Experian 1.XXXX XXXX XXXX XXXX 2.XXXX/XXXX 3.XXXX XXXX XXXX ...

Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...
I was contacted by Westlake Financial Services in XXXX, XXXX for an Amendment To Retail Installment Contract agreement. The terms were accepted in XXXX XXXX, XXXX. I keep my part of the agreement and made all of the payments. But Westlake never issued an Cerificate of Title for my XXXX XXXX Focus XXXX XXXX Sedan XXXX. The last payment was made in XXXX of XXXX and the payment was accepted. I received a notice from Westlake Financial Services in XXXX stating that I owed them {$2300.00} for the balance of the loan. I spoke with a XXXX XXXX XXXX a manager of Westlake Financial Services asking him why did I owe this money when I honored the Amendment Installment Contract, and XXXX XXXX XXXX pretended like he did n't know what I was talking about regarding the installment contract. So I made several attempts to find out why Westlake Financial would not honor the hardship contract. I tried to explain to XXXX XXXX that I was a consumer and there must be a mistake with the balance of the loan. He pretended that he never knew anything about the hardship agreement and I must pay the balance of {$2300.00}. I mentioned to XXXX XXXX that Westlake Financial Services was not honoring the agreement and he would no loner speak with me about it and demanded that I pay the balance of the loan and I tried to explain to XXXX XXXX that Westlake Financial Services received the last payment of the Amendment Agreement and I should have received something in the mail before XXXX of XXXX stated why they will not send me a certificate of title. I never heard from Westlake Financial Services until XXXX of XXXX, but the last payment was make in XXXX of XXXX. I have suffered a great amount of financial hardship due to not having any transportation and I 'm still out of a car. My credit report has a repossession on it and I ca n't qualify for a car. I invested more that {$12000.00} in the XXXX XXXX and now I 'm out of a car and my credit is worse. Westlake Financial Services has many consumer complaints due to their unscrupulous company practices.