WillisBack/dataset-financial-user-claim huggingface dataset:
I have reached out to XXXX XXXX on multiple occasions asking them to provide me with verifiable proof that the debts they are seeking to collect on are mine, and that they reserve the right to collect on such debts. After receiving a Ietter from them dated XX/XX/18, I have sent them letters requesting verification ( XX/XX/18, XX/XX/18, XX/XX/18 ), in which they responded on XX/XX/18 saying that they were currently investigating the matter. And, after three months of correspondence, they have failed to provide me with a copy of any original document bearing my signature, as well as any agreement between them and an original creditor stating that they have been granted the authority to collect on such alleged debt.
I wired {$7000.00} to my Coinbase account and it never showed up. The company said they could not complete the wire, even though it originated from the same account linked to my Coinbase account.
To resolve the issue, they said they would reverse the transfer and send it back to my bank account and that I should see it in three business days. The money never showed up. I would like the {$7000.00} returned to my bank account immediately.
I had a XXXX XXXX credit card that I suspected was being used by a family member without my permission. I called XXXX XXXX and asked if they could put a block on the credit card and a password so that it could not be used for future charges. I also requested a password be put on the account and that the block not be removed by me without written consent by me. They agreed to do this for me. I paid the credit card off in full. 

A few months passed and I got a bill from XXXX XXXX for about {$1700.00}. There were many charges for gift cards made on the card. I called to report and told they would investigate. After many phone calls and other correspondence with XXXX who is responsible for XXXX XXXX credit, I was told that only if I agreed to prosecute the person responsible for making the charges would I not be responsible for the charges. I did not want to prosecute or be involved in prosecution. I asked why the block was removed. I was told that I had called and removed the block from the phone number on my account. I have a letter from them in writing to verify this. I did pay the account. I did not remember making any such phone call. I am XXXX and thought maybe I was forgetting but just could not believe I would do such a thing. They refused to let me hear the recording of the conversation but the person I spoke with assured me that she had heard the recording and indeed it was my voice. 
Later, I decided to call my telephone company and see if I could get a list of all phone number made on the date I was suppose to have made that call. I have a list of those numbers and no such phone call was made. The people at XXXX just lied to me. I did not make the call! Is there anything I can do at this point? People beware of this credit card company! 
I have documented proof of their unethical practices and lies!
Experian is reporting foreclosure " started on '' our my husband and my XXXX XXXX mortgage which is n't true. I demand they remove this status because it is causing us an issue with getting a loan. We have tried disputing with Experian through a paper dispute process as well and we have n't been able to get this corrected.
XXXX XXXX, XXXX TO WHOM THIS MAY CONCERN : I am wanting to file a complaint against Navient dealing with my student loans. I have been dealing with this issue since XXXX XXXX and can not get a definite answer to a monthly loan payment. I am unable to afford what Navient is expecting me to pay. I have talked to many individuals who will give me an amount I am able to afford, and then I will get a bill for a different amount. When I call about this, no one can help me. They tell me I must pay {$5.00} to work on this. I have attached documents that Navient has sent me showing different payment amounts. I have been trying to make payments since XXXX XXXX. Right now, I am able to pay {$260.00} a month. This is the payment that XXXX ( ID # XXXX ) told me would be my payment. When I called in to make my payment that is due XXXX XXXX, XXXX, Navient told me the payment would be for {$570.00}. I was told that by XXXX ( ID # XXXX ). No one can tell me who I need to talk to, so that I can get my payment to one that I can afford with my net income and supporting my wife and two children.
Navient has only given me the two options : one, pay the {$570.00} a month or two, put the loans in  deferment and pay the {$260.00}. That is basically throwing money away. 
While dealing with the Navient issue, a company called XXXX XXXX XXXX XXXX reached out to me and told me they could consolidate my loans with me making a payment of {$150.00} a month for twenty years. I did this after being unsuccessful with help from Navient. After paying them {$190.00} for three months to process the loan, I found out it they had been taken over, and they were a fraudulent company. I was informed of this by XXXX XXXX and XXXX, XXXX who told me to stop withdrawals from my XXXX bank account. As you can see, I have tried everything. I am ready to start paying my student loans, but right now, I am only able to afford the {$260.00} a month. 
I have attached the many different statements Navient has sent me. Please let me know what I need to do to get affordable payments, so that I can begin making payments. 

Thanks, XXXX XXXX XXXX XXXX.
I set up my month payment via my check account, as a I do each month. XXXX XXXX XXXX ( card services ) pull the {$50.00} payment that was due on XX/XX/XXXX, on XX/XX/XXXXfrom my checking account and then in the month of XX/XX/XXXX, placed a 30 late on my credit report, as if the payment had been made 30 days late. I called in and ask about the matter and was told, that the only thing they could do to correct the matter was to adjust the late fees. The month prior to this call, I called in and asked why I was making my payment each month and the balance would continual to increase. Keep my credit card over it's limit and making me unable to use the card for any goods or services and the balance was increasing more and more each month. XXXX has a system, that adds {$35.00} late fee, to your account, if the payment has not been processed by a certain time on the XX/XX/XXXX of each month EST. The late fee is often more than the monthly payment and triggering a balance increase each month, after the payment has been made. Therefore, placing the consumer deeper and deeper in debt, without any usage of the card and enriching XXXX, with free monies each month from excessive fees. 

I called and spoke with XXXX about the 30 late fee and was told in short that, the only thing they could do to correct the matter was to adjust the late fees on the payment. They have no idea of where the payment that was taken from my checking account, was routed to or credited to. This is very unprofessional and XXXX is unwilling to assist in correcting the mistake that has been made by their account program/system.
On XX/XX/2019 I sent a money transfer to a friend of mine in XXXX. I lived in XXXX XXXX for 4 years and I have friends there still so this was not a scam transaction. Then I got an email from XXXX that they wanted to receive a copy of my bank statement and since this is PII information in it, I cancelled the transaction because I did not want to expose my personal information to someone that I do not know. 

While my transaction was still under review, they deducted {$900.00} from my checking account. Since this was awaiting my bank statement, these funds should have never been taken out of my checking account. I can understand this if my transaction was legitimate and it was being processed but since it was on hold until completion of review, this, in my opinion, should have never been done. I am wanting these funds returned immediately.
I closed my account with XXXX a long time ago. At the time, they stated that I had overpaid my bill and they sent me a {$35.00} debit card which went unused because I was unable to recall the pin # that came with the card. That in and of itself was ridiculous. Why did n't they just send me a check to cash. A few months later I start getting bills from them again that I owed {$37.00} even though previously they had stated that our business had concluded. On XXXX XXXX, they apparently referred the case to a collection agency called AFNI. Since then we have received phone calls from them every day!! I called AFNI and asked them today to stop calling after finding out that I was able to do so. Harassing frequent phone calls for {$37.00}? Ridiculous!!!
Recently, Using the Chase XXXX XXXX card, I booked a flight with 19,370 points on XX/XX/XXXX for travel XX/XX/XXXX. The XXXX XXXX comes with a hefty {$450.00} annual fee but ( claims to ) offer some superb travel protection benefit. This flight was cancelled requiring an overnight stay kicking in the travel protection benefit. Now the issue is that it has been nearly impossible to claim this benefit. After submitting the proper forms to the claim agency, more forms were apparently needed to show proof that the points used to book the flight were from my Chase XXXX XXXX card. Getting this documentation from Chase was nearly impossible, requiring being on the phone more than 3 hours and transferred multiple times. The card advertises this amazing benefit and several others, but when it is this difficult to claim the benefit, it becomes far more of a hassle than it is worth. For them to charge {$450.00} for an annual fee and then not deliver on the benefits promised seems like they should be taken action against. And after the 3 hours on the phone, 5,000 points were offered in compensation but never received.
I wrote a {$100000.00} check against my HELOC, and the bank unilaterally split into XXXX XXXX {$90000.00} and a {$10000.00} XXXX and charged me XXXX for writing a check. Rather than a single transaction for {$50.00}, they charged me for XXXX transactions of {$50.00} each. I tried to complaint via online chat, and the person said that the loan department said that 's how they do it. I went into a branch to complain, and the person in the branch XXXX XXXX XXXX XXXX called the loan department, who told her that if anyone writes a check over {$90000.00}, they automatically split it into XXXX transactions in order to charge the transaction fee XXXX. 
I have paid off and closed the account ( including paying XXXX {$50.00} fees XXXX, but this behavior is sleazy.
I asked Experian to look into getting an error on my credit report removed. They did an invistigation for only 6 days and instead of fixing the error they made it worse and lower my score even more. I am very unhappy with the results, not to even mention the customer service was awful. Trying to get them to reinvestigate was like pulling teeth. I will never recommend using Experian to do anything, that was a joke.
To who it may concern ; yesterday morning, XXXX XXXX I contacted the Experian Fraud department and disputed multiple information that is fraudulent on my credit file, XXXX of which are my contact information, Name, address etc. and the other of which is a collection that has appeared on my credit file. I have since contacted XXXX and XXXX XXXX XXXX XXXX and am attaching proof that XXXX XXXX XXXX and XXXX have now deemed this as fraud. The letter attached is directly from XXXX XXXX XXXX 's Fraud department. The following is the information needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX Partial account # XXXX Original Creditor XXXX XXXX Please update my credit file to only reflect the following name variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
My son fell XXXX the dentist insisted we use the Care Card in order for my son to treated originally the cost was XXXX per XXXX but when we returned the cost was the max amount the card had qualified us for. but I tried paying as much as I could a month then I contacted the Card Bank and they agreed to close the account and let me pay off the balance at XXXX a month while making regular payments of an established amount 64.00 $ .Carecard increased payment amount and when they only received 64 $ they added 35 $ fine. They have been adding fee after fee adding it not to the overall balance but to the monthly payment making it very difficult to know exactly how much the payment needs to be and if the amount is not correct they fine you.. so I have been paying on this for quite a few years and they reactivated the account so they could increase the interest and charge more fees. I will pay off the card at the agreed upon amount of XXXX a month the amount should be no more thanXXXXXXXX at this time. However they just keep charging me more. I have contacted several service reps at GE CAPITAL RETAIL BANK/SYNCHRONY BANK
I noticed that every time I tried to access my credit score I could n't get them every time I logged in the report would come back that I do n't exist so I demand that u investigate XXXX XXXX and XXXX XXXX XXXX I never used those names thank u
I have a first mortgage with XXXX Bank XXXX XXXX as trustee which mortgage is being serviced by Nationstar Mortgage. In growing my business, I incurred large start up costs which caused me to fall behind on my mortgage payments. I recently made a good faith proposal to get my loan reinstated within a period of XXXX to 7 months. This proposal included a significant lump sum payment with large monthly payments which I offered to have automatically withdrawn from my account and with a lump sum payment to pay any remaining arrearage after XXXX to 7 months. My offer was turned down and the bank made a counteroffer which would require an even higher initial payment and monthly payments higher than I could in good faith commit to. I feel that I am not being treated fairly by my lender despite my good faith efforts to bring my account current in the not too distant future.
I have a collection on my report that does n't belong. I called them to let them know that I paid that collection off with another agency. I have a letter from the company that I paid off.
I am unable to access any of my money after an apparent " system upgrade ''. My payroll deposit is not posted, my prepaid debit card shows inactive on the site, and the amount listed available is a mysterious amount. No one in customer service is answering and it has been well over 24 hours. An email was sent stating the upgrade would be from XXXX Monday XXXX/XXXX/15 but I still can not access my funds.
A loan modification request packet was faxed to the lender on  XXXX   XXXX  and additional documents faxed  XXXX   XXXX . This packet included a TPA for authorization to get an update on the modification review. The lender did not upload the tpa in time so when I called the lender on  XXXX   XXXX ,  XXXX  they could not provide me with an update. We called back  XXXX   XXXX  and representative  XXXX  id #  XXXX  advised they received the packet but does n't look like it has been reviewed yet. We were provi ded the SPOC i nformation for  XXXX   XXXX  email :  XXXX  XXXX  XXXX   XXXX . Called back again on  XXXX   XXXX  spoke to id #  XXXX  and nothing had been reviewed yet. Called back again  XXXX   XXXX  spoke to  XXXX  id #  XXXX  an d SPOC  was not available and there was no review update. Called back again  XXXX   XXXX  spoke to  XXXX  id #  XXXX  and there was no review update and spoc was not available. An email was sent to the spoc assigned on  XXXX   XXXX  with no response. Called in today  XXXX  and there was still no review of documents on file so I spoke to a supervisor  XXXX   XXXX  and he submitted a reassignment of the loan to a new point of contact to review the loan modification packet submitted and uploaded by  XXXX   XXXX . I was told the new representative will nee d 5  business days to review the documents before they can provide me with an update. He also stated that they will most likely ask for new financial information because the time that has passed. Well the time that has passed is due to the lenders fault so if the packet was complete in  XXXX  it is complete now and we should n't have to resubmit new financials because of the lender not doing their job.  XXXX    XXXX  spoke to  XXXX  id #  XXXX  informed that the modification was not approved. Requested a repayment plan. On  XXXX   XXXX , Repayment plan has not been approved. A call was made daily since  XXXX   XXXX ,  XXXX  to  Citi to req uest information.
I have a debt reporting on my credit, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?
I have received a letter in the mail and multiple phone calls from " Portfolio Recovery '' in an attempt to collect on an old debt that was discharged in Chapter XXXX bankruptcy over 2 years ago. Their organization was listed and notified in the official bankruptcy paperwork. They are one of the most aggressive and careless debt collectors I have ever dealt with. They clearly do n't even check their own records that show all my debts have been discharged, nor did they verify my credit report ( which also shows the bankruptcy ), and I suspect the original debt is past the statute of limitations anyway. Or worse -- they know all this, and are hoping to scare or pressure me into paying something I do n't owe anyway. They appear to be using at least the following numbers : XXXX ( most recent, used to contact me on X/X/2017 ) XXXX main number? 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
I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all three bureaus -  XXXX , Equifax and  XXXX .  <P/> To add insult to injury,  XXXX  made a hard pull on my Equifax credit report i n 2015.  This was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and Equifax had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in Equifax 's case, the fraudulent inquiry.
Never received any communication of a debt ... .hospital had wrong address, wrong phone number. Have been living at this address with proper id for 9 years. Dr bill was from 3 years ago ... hospital was paid. Never received any bill.
I first requested my free credit report in XXXX thru the govt website. 2 weeks later I was notified to submit proof of identity because the data they got from your website was illegible and they could n't understand the nature of my request. Is my request the first time they 've gotten a request from the govt website? They made a request for XXXX different forms of id to accompany and complete duplicate of the information I had already submitted thru your supposed faulty site. I provided clear and legible copies of my social security card, medicare card, utility bill and a cancelled check none of which was good enough for trans union. They have now sent me a third request stating what I previously sent them was inaccurate and unacceptable because it was too old, illegible, not a qualifying document and that I did n't send qualifying documents. Again this is the third time they have turned down my id. I dop n't have anything else to send them. They did n't like what you sent them also. So perhaps you have created this problem for me? It 's clear that they are fishing for more free information about me that they can add to their files and sell, profiting from me while refusing to share with me what info they have and also refusing to remove the erroneous and derogatory information that they have been providing to others and therefore doing damage to me and my good reputation. Trans union realizes that I 'm a XXXX senior and unable to work. Furthermore I have been in their files for 45 years. I 'd sure like to see what they call illegible. It is illegal for trans union to receive the '' benefit of the bargain '' profiting from my information. Furthermore, credit bureaus can be sued and for big bucks. I demand correct copies of my credit report be sent to the address I have provided to them immediately and I demand that they remove each erroneous item listed. Their reporting of false information about me has prevented me from obtaining a place to live. Hope you can help.
I am in the m iddle of repairing my credit and trying to rebuild since bankruptcy in 2016 I can not reach Transunion Once I mail to them its returned because of wrong address As a result I get denied for Transunion is giving out the wrong information to the creditors This is affecting lenders and credit cards that could help build my score Its impossible to reach Transunion either by mail or phone I even tried to get a copy of my credit report and its impossib le
XXXX in XXXX, Florida incorrectly charged me a {$40.00} co-pay for XXXX when the co-pay per contract is only supposed to be {$25.00}. I sent the collection agency a copy of my medical insurance card documenting the correct {$25.00} charge as well as calling my medical insurance company that informed me that the XXXX was using the wrong tax payer id number and that is why the charge was incorrectly billed. I have contacted the collection agency numerous times including certified mail but they continue to send me collection notices.
Some woman from Weinberg Mediation Group called at around XXXX and left a voice mail threatening to go to take legal action. No letters were sent to me so I do n't know who this company is.