WillisBack/dataset-financial-user-claim huggingface dataset:
TO DAY XX/XX/2018. I WANT TO TELL YOU THAT TO PAYDAY LOAN COLLECT FROM XXXX XXXX XXXX XXXX .THEY HAVE AN ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX .PHONE # XXXX. THEY HAD TO REPORT TO CREDIT REPORTING AGENCIES. I NEVER HAD TO PAYDAY LOAN BEFORE. AND THIS COLLECT WAS HAVING MORE WRONG AS SUCH AS NAME, SS #, ID, AND SO ON. I NEED YOU HELP ME TO CONTRACT THEM TO FIX MY TROUBLE THIS. THANKS.
Midland Funding LLC still has a judgement attached to my credit report that was written off by the creditor in approximately XXXX. I went through the unfortunate era with many others who lost property and/or could not pay debt. The company did a charge-off. The file was purchased by Midland. They bought paper, which does not include any oral or written agreement between them and myself. Furthermore, I did research on the court status of this document. After the documents were served on me years back, I did an answer [ which shows in court records ]. I never received any further court date. When I went to both XXXX and XXXX XXXX, it showed that document never made it to a court room. Therefore, to me and others, it pointed to possible fraud. I am now XXXX years of age and in bad health and need my credit clean to move into XXXX. I have reported this company prior to this. Below are document info : XXXX {$4500.00}. Date filed XXXX.
I opened a traditional IRA for {$6500.00} with State Farm Bank in XXXX XXXX, for tax year XXXX. The agent erroneously identified the account as a rollover. I did not notice the error until this year when I did my XXXX taxes. When I asked the agent to correct the error, she said it was too late and that I should instead amend my XXXX tax return. The bank offered to reimburse me for the nearly {$2000.00} in additional income tax, but not for any penalty or interest, nor for the additional tax I would owe for XXXX on the {$2000.00} reimbursement. I have repeatedly asked why the bank ca n't just issue me a form XXXX for XXXX, which I understand would cost them only a {$50.00} late penalty rather than {$2000.00}. To date, the only reason I have been given is that the deposit was " coded wrong. '' I do n't see anything in IRS regulations to prohibit issuance of a XXXX form XXXX now. To complicate matters, the bank decided to change the {$6500.00} IRA account I opened in XXXX XXXX, for tax year XXXX, as being for tax year XXXX. Any assistance you can offer to resolve this mess would be appreciated.
I needed to consolidate my student loan because I needed an extension of time to pay and a company on line said they would do the consolidation, but I would have to pay {$1000.00}. They ended up submitting my loan to XXXX XXXX. I just spoke with XXXX XXXX and they told me that their service is free and that I should not have had to pay anything. Can you help me to get my money back?
Today XX/XX/2015, I received a phone call from XXXX claiming they are debt collector. I think it is a some sort of solicitation, because far as I know, I do n't have anything go into debt collection. I informed the guy immediately, I have an attorney, but he continue to pressure me to ask, if I am filing bankruptcy, even after I repeated about XXXX times that I have an attorney, please contact the attorney directly. He was very forceful, and he claimed ignorance when I informed him that it is illegal to ask me questions when I already inform him that I am represented by an attorney. I asked for his information, I am not sure if he gave accurate information because he was very evasive. He claimed his number is XXXX, name is XXXX ( though he quickly said another name ) with operator number XXXX, company XXXX or something. I gave him my attorney information and hanged up, but I think it was a scam.
I have been disputing this account late payments since XX/XX/XXXX. I contacted them regarding late payments showing on my account..due to being misinformed by their customer service reps. I was told if I made partial payments due to financial difficulities at the time, I would not be reported late to the credit reporting agencies!! This was a lie! I have been with this company and asked that they remove one late payment ... instead they go back to 2014 and add three late payments causing my credit scores to dip. Santander Consumer is a horrible company which do not work with their customers at all. I have called, sent letters.. no avail. After doing research.. just XXXX  santander late removals .. they are known for this. There are less than six payments on this account and because their representatives misinformed me.. securing a mortgage has been difficult.
Over 45 days ago, I sent a request to XXXX  and Trans Union asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have not.
This involves a credit card that was issued to my father, XXXX XXXX. He XXXX XXXX in XXXX XXXX and I notified US Bank that he XXXX XXXX and closed the account ( all charges to the time of his XXXX were paid in full ). Several months later, I received a credit card in the mail in my mother 's name, XXXX XXXX. My mother XXXX XXXX in XXXX XXXX, so I called and spoke with a representative who apologized and advised me that he had taken care of the matter and closed the account ( again ). 

Today, ( XXXX/XXXX/XXXX ) When reviewing my father 's checking account ( this was a joint account, so I have access and have been paying the last few medical and other bills ) I saw a charge from " XXXX XXXX '' for {$74.00} on XXXX XXXX, XXXX that was an ACH payment. I contacted my bank, XXXX, who advised that US Bank charged the account in payment of an account issued to XXXX XXXX. XXXX is contesting the charge on my behalf and had me contact US Bank. While waiting for US Bank to stop transferring me from one unhelpful contact to another, I am utilizing my time filing this complaint. 

It is absolutely beyond the pale for a bank to issue credit cards in the name of someone who has been XXXX for more than 20 years in response to the cancellation of an account on behalf of her now-XXXX spouse. Once this was supposedly cleared up, the bank now has the audacity to charge a bank account for unauthorized charges? This is unacceptable and US Bank must be held accountable for this conduct. 

Thank you.
I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my XXXX XXXX, XXXX and Experian credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.
I was contacted via mail and was given the option to settle my debt from XXXX   XXXX for {$460.00}. 
I am unable to pay them nor will I for the following reasons : 1 ) they were double and triple dipping into my bank account then sending the checks back as fraud because they claimed to have no knowledge of me having a bank account 2 ) I paid them for months but never had any money put back on my card 3 ) my credit cards from XXXX XXXX XXXX and XXXXt XXXX were stolen and when I called to cancel the cards I was brushed off with Snyde comments and then was told that my account was closed due to lack of payments and that they couldnt protect my security by closing my full account, yet am still being billed via phone for over {$80000.00} when I only owe just over {$3000.00} then when I called to complain about this the same man who was asking for {$80000.00} said that they were not aware that this was going on. 
4 ) because of their double and triple dipping into my accounts and irresponsibility they now owe me a total of over {$300000.00}. 
5 ) I was moving last year when they called to threaten me over a fraudulent amount
There is an address listed on my credit report which I have never lived at, and as far as I am aware does not exist in my town. The address is XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX MO XXXX I have contacted the credit Bureau Experian about this several times by letters and phone calls. the response I keep getting is that the address has been verified ( You can not verify an address as mine I have never lived at ) and they can not remove the address from my report because there is an account associated with that address. I asked the " dispute speacialist '' what is the account supposedly associated with that address and was told " they will send me a copy of my credit report and I can find out for myself ''. How can I have an account associated with a non existing address? Today over the phone I was told from the same " dispute speacialist '' that it doesnt matter what address is on my report the addresses do n't matter anyway. If addresses do n't matter to them then why wo n't they remove it? Because it does matter to me.
I have received several bills from professional claims bureau with no explanation of what they are about. I have asked for an itemized bill several times to no avail.
Harassing phone calls. Received phone call before XXXX on Saturday XX/XX/2017. Phone call received was at XXXX. Received phone call after payment arrangements were set up online on Friday, XX/XX/2017.
Focus Receivables keeps calling me and my wife. We owe nobody and I will not give Focus Receivable one dime, even if I did.
I received an alert on my credit report of a collection account. I never received any communication from them. I do not believe I owe the bill but I was never provided an opportunity, or a copy of the original bill, to confirm it is legitimate. This is a scam that a collection company can report something without even contacting the debtor. This should be removed from my credit report and then provided to me to review and dispute or pay.
I opened a Huntington account in XX/XX/2018 with a {$200.00} bonus offer. The requirements were you had to make a {$1000.00} in deposits within 60 days and keep the account open for 90 days. It did NOT specify what type of deposits, it did state that you could NOT transfer money from another Huntington account as a deposit. I met the requirements and inquired about the bonus, I was told I didnt meet the requirements because I did an online transaction from XXXX to transfer funds to Huntington. I called 3 times! The customer service reps were extremely rude and I asked to speak to a supervisor, I got disconnected or hung up on the second time and the 3rd I was on hold for a long time so I hung up because I was so frustrated and could not get anywhere! I have screen shots of the requirements and no where does it state you can not do online transfers or Deposits! I want this situation rectified and an explanation!
I was called 37 times from phone number XXXX, a number of Navy Federal Credit Unions,  between XXXX to XXXX on XX/XX/2018. This is excessive and abusive.
Adverse debt reported to XXXX in the amount of {$150.00}. Contacted XXXX at XXXX XXXX and XXXX XXXX ( listed on XXXX Report page of which is attached ). This account dates to XX/XX/XXXX from an Emergency Room Doctor named XXXX XXXX ( no clue who she is ) at XXXX XXXX in XXXX, Ohio. XXXX part of the XXXX billed insurance and subsequently billed me for what Insurance did n't pay. Account was then turned over for non pay to a XXXX XXXX who never contacted me ( phone number has been the same since XX/XX/XXXX ) and finally was purchased by the aforementioned company. I requested of XXXX a copy of the original debt and explained that I have not lived in XXXX for SEVEN YEARS and would never allow a medical debt to go into collection. This is beyond belief that this company can place collection activity on my account as the XXXX Company ... simply blackmail to get me to pay a debt I may or may not owe. To reconstruct medical records from an insurance company I not longer have would prove impossible and beside the fact that what is billed and co pays requried by subscriber are usually XXXX. This item needs to be removed from my XXXX Report and these companies need to be put out of business.
These people have not provided me with anything that I asked for. When I orginally contacted this company I wanted to get the debt verified and to get a copy of the bill and any other information pertaining to this account. The representative was very rude and stated that if i did not recall seeing the debt that i would have to fill out a fruad packet. They basically denied me the right to dispute this bill by trying to force me to fill out a fruad packet by over talking me and not allowing me to ask them for the things that I need for me to dispute this account. THIS IS ILLEGAL. BEFORE I proceed with a fruad packet I would like you to upload a copy of on the bill from XXXX communications. I need the first date of service, and itemized list of of the bill, as well as when the last payment was recieved. I would also like to see a contract from the company. It is my right to dispute all or some parts of a debt. you have not provided me the opprotunity to do that. 

I would like this company to be reported to the FTC. They use pressurized over talking tatics to push consumers into a corner so they do not have to verify a debt. When I asked them to verify the debt. They lady kept over talking asking if the debt was mines or not. and I kept explaining to her that I do not recall but would like them to verify the debt. she said that if I did not recall seeing the debt that I would need to fill out a fruad packet. They are refusing to allow me to dispute all or parts of my debt by not allowing me to ask them for the things I need. I would like this company to be fined.
Filed a dispute Pursuant to FCRA as well as a debt validation letter regarding several accounts on credit report. Also a statute of limitation on collection companies. See the companies below ; 1.XXXX XXXX XXXX, 2. 2 XXXX XXXX XXXX and 3.XXXX
Jefferson Capital System is a debt collection company that is trying to collect on a debt for XXXX COLLEGES ( Financial ) in which I do not owe a balance too. This account is not mine. There 's no way they should still be trying to collect money for a company that filed bankruptcy and owes XXXX student XXXX dollars. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Nationstar continues to refuse postponing the foreclosure sale date to allow the sale to go through even though they are being paid off in full and it is the first foreclosure sale date the homeowner has had. We are simply asking for one postponement. Nationstar is stating that if we were doing a short sale they would postpone to allow the short sale to go through but they will not postpone if they are going to get paid off? This just does n't make any sense to us and we are simply told this is the guideline without any other explanation.
This account was closed XX/XX/XXXX and paid as agreed and still showing open with Equifax credit report. This is hurting my credit score and my credibility with my over creditors.
I am filing this complaint to address Coinbase, digital currency exchange, to have my funds/accounts released immediately. Over the weekend, my account was hacked meaning someone, an unauthrizd user, has logged in with my information somehow to transfer {$5000.00} worth of BTC to an address. At the time of the transaction, I 've received text messages that give me the codes to enter if I am logging in from somewhere I have not logged in in previous locations/devices which the led to the suspicion. I logged in to my account immediately with my phone ( primary device for login ) to see what was going on. Only to find out that a transaction has been made an was " pending ''. Unfortunately, Coinbase do not have a human support. I emailed customer service about the account being hacked and replied by saying they 've closed my account due to security reasons. 
Two days have passed and a representative emailed me stating the transaction was done through a device that I consistently use to make transaction and a consistent location. 
This does n't make sense at all. If someone tried to log in with my information, by entering numerous amount of wrong codes, I believe that Coinbase should have locked my account and advised me right away. I 've received 6 text messages with different codes meaning he or she had entered them wrong every 6 time. Ultimately, I have no idea how they had access to the phone I was physically carrying to complete the transaction. Furthermore, the representative just gave me a simple process to change my password and strengthen my authentication process. I needed to have access to my remaining balance and to find out which device at which IP has logged in for the hack ( trying to somehow resolve on my own ). This capability is only available when I am able to sign in. So at the moment, I am trying to have access to funds over {$20000.00} which is a big amount. Furthermore, they refused to help the customers ' losses. Not only they are willing to even negotiate/speak about responsibilities, they are not enabling my account without answer. So, I hereby file this complaint to Coinbase to take immediate action.
Thank You
I graduated from the University of XXXX XXXX County in XX/XX/XXXX with a XXXX. I worked in my field for 6 years until I came down with a devastating XXXX in XX/XX/XXXX which leaves me unable to work and in the hospital several times a month with life threatening XXXX. I am receiving Social Security XXXX Insurance and XXXX through my former employer which is around {$20000.00} a year. My out of pocket medical expenses are between {$12000.00} and {$15000.00} a year leaving me with barely any money to survive on. I am also on a very expensive, strict diet which costs me over {$400.00} dollars a month as I am allergic to most foods. I have several private loans and most of them have either forgiven my loans all together or have applied all of the interest I have paid the last 9 years and have significantly lowered my principal and monthly payment to an affordable amount. American Education Services is the only lender who will not work with me. They are stating that I have no option for XXXX forgiveness and have informed me my decreased payment of just paying interest will be soon ending sending my monthly payment from {$170.00} a month to over {$400.00} dollars a month. I have used all but two months of my forbearance with this loan and I have asked for an account review to make an exception and significantly lower my payment due to the rarity and severity of my disease, but they will not work with me at all. I need help. I am just trying every day to continue to be able to afford my life saving medications and treatment and the stress from this is overwhelming. I have been paying on this loan for almost 9 years and have NEVER missed a payment and have used almost all of my allowed 12 month forbearance.
My company ordered products for another company which was using stolen credit cards. I did everything in my power to identify this company as a legitimate company. XXXX ( My credit card processing company allowed transactions to go thru even though the company name on the credit card did not match who actually owned the credit card. There practices allowed this fraud scheme to work.
For more than 200 years, Chase has been one of the worlds leading financial institutionsits reputation beyond stellar ; its customer service unparalleled. Thats why I chose Chase to handle my mortgage. Thats why I am appalled about my latest encounter with Chase. And thats why I am reaching out to you.
Recently, I mailed Chase three mon  ey orderstwo in the amount of {$500.00} and one for $  XXXX  satisfy my account before  XXXX   XXXX ,   XXXX  . Chase stamped the money orders several times before realizing that the total would not bring my account up to date and returning the money orders to me.     In the meantime, my mortgage had been sold to  XXXX   XXXX   XXXX , where I sent the stamped money orders to satisfy my current mortgage obligation.  XXXX , however, will not accept the money orders because they were written out to and had been stamped by   Chase.
In an effort to rectify this situation, I spoke to three Chase mortgage banking specialists   XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX  of whom told me that because of this error  three separate checks would be mailed to me within five business days. ( Each conversation was recorded by Chase. ) After more than a month, I have not received the checks as promised, nor have I heard from Chase regard ing the status of the checks.     I tried to return the stamped money orders to the store where I purchased them, but they will not accept them. I also called the money order provider,  XXXX   XXXX , which informed me that I would have to pay {$50.00} for each money order and that I would need a copy of each money order as well as the stubs, which I do not have, before a refund can be processed on my behalf.     As it stands now, I have lost {$1100.00} due to Chases mishandling of my money orders and misinformation over the phone.     I do not know what else to do. I am on  XXXX  due to major health issues, so my funds are limitedand this situation is causing me even more distress. All I want is for Chase to send me the money I am owed, the money they promised.     Now as of today,  XXXX / XXXX /  XXXX  , I spoke to a  XXXX   XXXX   XXXX  at  XXXX  Mortgage Banking  Executive Office . She suggested that I return the money orders back to the store where they were purchase. I reminded her, that the store does not do returns on stamped, written and dated money orders. She than suggested that I call  XXXX   XXXX . I reiterated that I will be charged {$50.00} for each money order. That is {$150.00} that I do not have.       Please help me rectify this issue with Chase before my home goes into foreclosure.
  My reference number -  XXXX  Thank You so much in advance!    XXXX   XXXX   XXXX