WillisBack/dataset-financial-user-claim huggingface dataset:
I was searching online for a loan of XXXX dollars. I contacted the lender 's ad. The following day I received a text message stating who the person was, name and ohone number. She said she could help me and that she wpuld email me a pre-application. I have saved the email and the phone messages. She asked for my bank account information and log in, which I provided. I know that was risky and I should n't have. She said she needed me to meet with XXXX of her employees to sign a form and confirm my identity. The women met me at a near by XXXX because I did n't want them at my home. The original contacte gave me the woman 's name who I was meeting and her cell number. I saved XXXX. That women just looked at my license and atm card. She sis not take down the information, but I know my license number was provided on the application. I had to write my account number and just my pin but not my debit card number. I was contacted that their would be withdrals and deposits and it was just a computer. Their were fraudulent checks mobile deposits and atm withdrawals, which I dont understand how that is possible. After my bank all of a sudden got returned checks and my account was over negative two thousand the fraud department thankfully froze my account. I have a credit union and they will not credit me anything unless I prove how this could be possible.
On XX/XX/2018 Your company Experian received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX  XXXX XXXX, 4. XXXX XXXX XXXX # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX XXXX # XXXX, 8.XXXX XXXX # XXXX, 9. XXXX XXXX # XXXX Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.
This letter is being sent to you in response to a computer generated, unverified account CHOICE RECOVERY INC # XXXX this inaccurate information was furnished by Claimant from several offices. Be advised that these claims are disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is been a nightmare to deal with this level of fraud. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Begining around XXXX, XXXX Chase Bank begin sending email notifications to my ex husband regarding my accounts. Now in all fairness, he was paying a credit card that was in my name but during the divorce he agreed to pay it. For nearly three years, this was never a problem then all of a sudden he got an email when I paid my mother 's credit card form her checking account. Now, their theory was my social security number was associated with my mother 's checking account and the credit card he was paying. However, his Chase profile was giving him the option of using my mother 's checking account to pay his bill. Finally in XXXX, XXXX, he paid the credit card off and removed his user id. We were then able to remove his email completely and for a few weeks everything seemed find. Now all of a sudden he is getting promotion emails from Chase documenting my credit card ending in XXXX. His name/id/social was never connected to this card. I feel Chase has been violating mine and my mother 's privacy and Chase will not give me an answer as to why this is continuing to happen or why after three years this became an issue.
I Did NOT purchase the area rug that was delivered to my residence. 
Since I did NOT purchase this particular area rug, I returned it to XXXX XXXX. 
I will not pay for something I did not purchase, and CapitalOne has an obligation to protect my rights under the FCBA. 

CapitalOne keeps going in circles around the crux of this matter and does not address the fact that the merchandise is in the possession of XXXX XXXX. 

The Law is specific in that I do not have to pay for something I did not order. And as a matter of fact, an email has been submitted to capitalOne from XXXX XXXX admitting that they do have possession of the area rug. 
Shame on CapitalOne for not following the scope of the law and various statutes.
I signed up to open a new Checking and Savings account with Citibank in XX/XX/XXXX, with the following terms : Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. Get {$400.00} deposited to your account! There are additional terms in the fine print that says I have to wait an additional 90 days from when I meet the criteria above to receive the {$400.00} payment. The total {$15000.00} deposit was made on XX/XX/2018, which means that the 60 + 90 Day deadline would have been XX/XX/2018. I confirmed with Citi multiple times via chat and phone calls that I had met the eligibility requirements, and all I had to do was wait for XX/XX/XXXX for the credit to post. After XX/XX/XXXX, I called in as it had not posted, and the rep opened a promotions dispute on my account, and told me that I would have an answer within 3 business days. ( Citibank Service Request # XXXX ). A week has passed, and I have yet to hear from Citi or receive the funds.
Portfolio recovery associates keeps reporting wrong information to my credit report and Experian keeps reporting that wrong information in flagrant violation of the Fair Credit Reporting Act. The XXXX XXXX XXXX account on my credit report needs to be deleted per the consent agreement between the Consumer Financial Protection Bureau and XXXX XXXX XXXX from XX/XX/XXXX. In addition, XXXX XXXX XXXX is reporting an active collections account XX/XX/XXXX and XX/XX/XXXX. This is wrong, there is no open collections account with XXXX XXXX XXXX. XXXX XXXX XXXX is reporting wrong information in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX is trying to reage the account so that it stays on my credit report longer in flagrant violation of the Fair Credit Reporting Act. Experian keeps reporting the XXXX XXXX XXXX account as an open collections account which is wrong, and it should be deleted as per the consent agreement with the Consumer Financial Protection Bureau.
I disputed many times a account opened XXXX Show more Account name XXXX Account number XXXX .... 
Recent balance {$9000.00} as of XXXX/XXXX/XXXX Date opened XXXX I did not ever owe this account no one has ever showed me proof. No payments were ever made on account and the 7 years statue was up XXXX. They re-confirmed that the debt was owed and put it to stay until XXXX. Statue is from date of last payment. Experian refuses to continue letting me dispute it The law says it should not even be there
PayPal is holding funds for item that I sold and wont allow me to have MY funds for 180 days. this is illegal in my home state of WV and am requesting the funds be released per law, IMMEDIATELY.
I have tried to work with Navient regarding my defaulted student loans for the past 2 + years. I have submitted for a Income-Driven/Based Repayment Plan ( IBR ) and was rejected for a lowering on my loans like the Department of Education had done in the past as the decision was only based on income and not on any of my bills that I must pay monthly. I have asked repeatedly to have this process reworked only to hear no and just a continuation of billing for an amount I can not pay! The last time I requested this was in XX/XX/2018 & was informed on XX/XX/2018 that " Our records confirm that your IBR request was denied on XX/XX/2018 because your financial circumstances do not meet the federal definition of " partial financial hardship '' required for enrolment in the IBR Plan. '' They have offered a reduction in payment to {$71.00} for 24 months which is still outside the amounts I can financially afford. And with everything increasing in cost and employers not offering much in wage increase only causes more financial & mental distress to the point I can not even think clearly at work!
XXXX Account Number : XXXX XXXX Case Number : XXXX and XXXX I authorized a XXXX card payment of {$360.00} on XXXX XXXX, 2016 during a telephone call to a XXXX XXXX XXXX, representative of " XXXX ''. The {$360.00} payment was with respect to a 20 % deposit for a cruise vacation package. I was prepared to risk loosing this {$360.00} payment, as there was a possibility that work commitments could prevent me from taking the vacation. 
( I have no dispute with " XXXX '' or Capital One with regards to this {$360.00} amount ). 
My dispute is based on the fact that on XXXX XXXX, 2016, without my authorization, " XXXX '' took the balance of {$1800.00}. It would appear that the " XXXX '' representative simply choose to process the {$1800.00} payment on XXXX XXXX, 2016, using the XXXX card number details that had previously been provided. 
During our XXXX XXXX, 2016 telephone conversation, XXXX XXXX XXXX, agent for " XXXX '' was adamant that I had provided necessary authorization during our initial XXXX XXXX phone call, and advised that a refund would not be made. It would appear to be a case of XXXX XXXX XXXX 's word verses mine. 
When you phone the " XXXX '' telephone number ( XXXX ) a pre recorded message advises that the telephone call will be recorded. Therefore, if " XXXX '' are operating in accordance with their own procedure, they will have a recording of said calls. 
On at least three separate occasions, I have made written requests to XXXX for them to request " XXXX '' to share telephone recordings, in order to establish the validity of XXXX XXXX XXXX 's claim. 
I have made several requests to XXXX for the return of {$530.00} owing. XXXX has responded, saying that they are unable to assist, and assigned a " case closed '' status.
XX/XX/XXXX I received a letter from Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX which said that our home equity loan was being changed from interest only to interest and principal. Nowhere in the letter did it say what the amount of our new payment would be. For about 60 months we have been paying interest and some toward principal. The new payment was to begin on XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX I called SLS and the person that I talked to had no idea what I was talking about. So, on XX/XX/XXXX I called again and again the person I talked to said he was n't aware of what I was talking about so I asked him what my minimum payment would be for XX/XX/XXXX and he said {$64.00} and change which is just the interest on the loan. Both XX/XX/XXXX and XX/XX/XXXX we sent in payments, on time in the amount of interest plus some toward principal. We made our XX/XX/XXXX payment on XX/XX/XXXX and on XX/XX/XXXX we received a default notice and notice of intent to foreclose on the property. The letter said that we needed to pay {$1300.00} by XX/XX/XXXX to bring the account up to date or they would start foreclosure proceedings. Again, there was no mention of what our new monthly payment should be. SLS is holding the funds until the total equals a full payment which I found out is {$450.00} per month. If XXXX would have told me what my new payment was in XX/XX/XXXX or XX/XX/XXXX I would have paid it. We are in the process of trying to refinance our home and SLS is considering those payment sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late payments. which will disqualify us from obtaining a refi. I think the way they do business is suspect and they deceive their customers and lie to them such as in this case because I think that is just what they did because any reputable company would have that info in their computers so their reps could convey that info the the customer on request. I mean, if a letter comes out in early XX/XX/XXXX and it is not in their computer in XX/XX/XXXX there is something seriously wrong. What I want is for those three months to be not listed as late so we can proceed with our refi and get rid of this lousy company.
Grant & Weber is trying to collect money that was not me I called and explained to them that the accounts wasn't me, and they still have them in my credit report. 

they alleged that was a medical related. However, I never admitted or hospitalized with any other hospital, excepts XXXX for delivery my baby in XX/XX/2016.
After disputing a debt to Southern Collection System that has remained on my credit report for almost 2 years after my bankrupcy was discharged, I received a letter from Southern Collection System stating that I had " failed to dispute the validity '' and had not made arrangements to pay. They demanded that full payment be made within 10 days. Although I do not have prior documentation, this is the 2nd time I have attempted to dispute this debt and have it removed from active collections in the past 2 years.
Statement NOT sent so that XXXX could apply a late charge and increase interest rate because payment not made by due date. Since statement NOT sent or received I had no knowledge of due date or amount due.
Applied with Bank of America for the reduced loan rate. Application was denied as paying on time. House or property is in Florida and mortgage owed on it is more than it is worth ( low loan to value ratio ). XXXX XXXX XXXX XXXX and house valued is in low XXXX. What are my options? Is the bank allowed to deny my request for a lower interest rate? Currently have a 6.75 % rate. Would like a lower rate from the bank. Is that possible?
I received an XXXX XXXX from XXXX XXXX University in XXXX NY in 2012. I was XXXX off from my job and wanted to go back to school. What I could not get Federal loans for XXXX XXXX said they would get me XXXX loans for. I am now in debt for around {$50000.00} and am having trouble making all the payments.
I am current on my account with XXXX and have receipts to prove it and the company is showing my account is late and I 've missed a payment. I have spoken to the company but they have n't corrected their mistake
Address still incorrect. Also listing two additional addresses that do not belong to me. 

Please remove XXXX XXXX from address. This is a single family residence. 
Please remove XXXX XXXX - Never resided there. 
Please remove XXXX FL - Never resided there.
Loans by Phone a subsidiary of Check Into Cash deposited a {$300.00} loan into my checking account on XXXX XXXX, 2016 without my authorization. I never applied for a loan from this company. If any interest is taken out, I will pursue fraud charges against this company. My bank has already been informed of this situation, and the account will be cancelled when Check Into Cash debits my account. As I am currently in a chapter XXXX bankruptcy, I am also informing my attorney about this fraudulent activity.
On XX/XX/XXXX, my business account was fraudulently hacked into and funds were set to disperse from the account via ACH payments. Within 15 minutes of being notified by a Chase 'alert ', I contacted Chase and was informed that it was already too late to stop it. Apparently, someone hacked the account, changed account numbers and routing numbers and started sending out payments via direct deposits until the account was drained. I was told a document was going to be emailed to me within a couple of hours to authenticate the fraudulent activity, but never received it. I went to the local Chase branch the very next morning to sign the document and begin the process of reparations to my business account.I was told by no less than four ( 4 ) different Chase representatives that the funds that were removed fraudulently from my account would be returned within 24-48 hours. Many frustrated conversations and escalations ensued to different Chase managers and after nine ( 9 ) days of leaving my business account with a XXXX balance, they finally admitted that they had no idea when any funds would be returned - not even a temporary credit, while everything was still being investigated. My XXXX was established in XX/XX/XXXX and has 15 employees, with operational funding requirements on a daily basis. I honestly felt like I was living in a 3rd world country with no one to turn to for help. On day ten ( 10 ), a temporary credit was issued to my account and I was advised that if they determined the funds were sent intentionally, the credit would be reversed. Incidentally, I have had this same account open with Chase for over ten ( 10 ) years and I was treated like I was the criminal, while they did little or nothing to offset the lack of funds in my business account.
XXXX and XXXX are showing an American Express Credit Card on my credit report. I am no longer on that account. XXXX correctly reflects that I am not responsible for an American Express Card Credit Card, and as such, my credit score with them is much higher.
Inquiries only. Dating back onXX/XX/XXXXuntilXX/XX/XXXX.
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 2 times XX/XX/XXXX & XX/XX/XXXX 6. XXXX 7. XXXX 8. XXXX XXXX XXXX I 've noticed many unknown inquiries surfaced on my credit report while I was out of the country for long period of time. When I got back in to town and checked my emails I 've gotten several alerts from an Equifax monitoring product I purchased & noticed XXXX inquiries. This has literally been the 30th time I 've sent out certified letters that I had to pay out of my own pocket, documents over to the equifax headquarters seeking some help, phone calls and was hung up on by several customer agents in the Consumer Dept both male & female. They we 're very disrespectful. I have been a victim of identity theft in the past. Equifax is aware of the errors of inquiries on my credit report but refuse to do anything about it. Well since they 're not doing their job I 'm going to make sure that I file a lawsuit against Equifax and various companies. I contacted each company but no one respond with no documents, no validation of any signatures, no possible way a verbal verification holds up against The FCRA, I know my rights and it 's been more than a month ago errored inquiries reporting.
My husband had filed for bankruptcy back in XXXX of 2011. His bankruptcy was discharged in XXXX of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the XXXX XXXX credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to XXXX XXXX XXXX  personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around XXXX dollars and was forgiven due to my husband filing for Chapter XXXX bankruptcy. Can you please have the XXXX credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.
National Credit System failed to informed me and provided valuable information about the debt they are claiming I owe. The source of the issue never been communicated to them, I am actually about to sue my leasing office for not informing me about the issue and issuing my information to NCS without sending me a formal letter. NCS failed to inform me of the situation and started reporting to credit bureau without even contacting me. No email, no certified mail was sent to me. I contacted them in several occasion to have them send me mails with clear explanation of the money thy said I owe them but never nobody ever sent me any explanation. They started reporting on me in XXXX without contacting and first time they contacted me was in end of XXXX. How can you send my information to credit bureau without even calling me and sending me certified mails to explain the situation? 
They started reporting on XX/XX/XXXX, 25 days after i left my old apartment and for the little story I provided them with proof I was leaving the place 3 months prior i left, and the first time they contacted me was XX/XX/XXXX, with no mail, no explanation of what is going on, i request several time for them to send me a mail with all explanations they never delivered. This is a very first time i am having this issues, my rental history has been perfect therefore I am about to sue them pretty soon if this issue is not resolved as soon as possible.
On XXXX XXXX, XXXX, FMA Alliance , Ltd. in XXXX, XXXX, contacted the ex-wife ( in XXXX, XXXX ) of the brother ( who has lived in XXXX XXXX since XXXX XXXX, and was formally divorced in XXXX ) of the alleged debtor who has lived in XXXX since birth in XXXX ) indicating an attempt to collect a debt in violation of the Fair Debt Collection Practices Act. This communication is not only clearly prohibited, but intended to harass, annoy, and embarrass the alleged debtor and his brother.
XXXX 2010 i rented an apartment for six months from XXXX at the time of signing the lease an occupant was added XXXX XXXX he was authorized to be in my apartment and even stay over as he would from time to time in XXXX 2010 i went to California to attend a funeral as i was away XXXX had invited his friends over ther was some sort of dispute the police were called and XXXX and his friends were locked out of the apartment some went to jail when i returned three days later i was told i had to leave and was evicted they gave me until XXXX XXXX to get my belongings i can have what i can carry i can not find any record of an eviction in any XXXX XXXX XXXX house not sure who they filled any notice with i do not think they can just lock me out as they did so if you can please assist me with this matter i would appreciate it very much i have disputed this with the apartments and the credit bureaus more than once what i would like is the balance adjusted because they re rented the apartment they are prohibited to XXXX dip thank you very much XXXX
I have called Ocwen 's Office to no avail. I have sent letters, one has come back as return to sender not deliverable addressed unable to forward, I used their address that is listed and provided on my credit report. Please see attachment. Ocwen is reporting 2- 30 day late on my credit report, although they removed it from my XXXX Credit Report on XX/XX/2017, it still remains on my XXXX and XXXX . The 2- 30 day late ( 1 ) payment was made on a Sunday through the automated system, and the second late payment was made on XX/XX/XXXX. If you get int touch with Ocwen would you mind sharing the attached letter. Thanks and have a great day!
On XX/XX/XXXX I contacted Best Buy at ( XXXX ) XXXX XXXX XXXX. I spoke to XXXX to obtain clarification regarding my bill being assessed {$6.00} in fees/ interest. I advised I paid the bill off before due date in the amount of {$360.00} so there shouldn't be any interest assessed because my bill was due XX/XX/XXXX. He informs me that it was residual interest. I'm confused because I charged a set of headphones totaling {$21.00} on XX/XX/XXXX and made multiple payments toward the card. I could not get an explanation for if I pay the card off before due how am I assessed {$6.00} in interest. My next bill has a charge of XXXX from a purchase of XXXX are on XX/XX/18so if I pay before my billing date XX/XX/XXXX how do I have XXXX in interest. Once again I couldn't get an explanation. Generally, your suppose to avoid credit card interest by paying in full every month. This Best Buy credit card was issued by Citibank.