WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by Ameritech Financial about my student loan debt. I was told by a member that they would be able to help me save {$41000.00} dollars. I worked with XXXX XXXX and XXXX XXXX. These individuals above led me to believe that this company would help keep my payments at a fixed income and that after 10 years my debt would be wiped clean. I was provided these figures : I was currently pay {$230.00} a month on my student loans. {$260.00} XXXXX = {$3.00}, XXXX x  XXXX = {$78.00}, XXXX  in student loan debt. 
They helped me enroll in a program for a family size of 4. For seven months I paid them {$230.00} starting on XX/XX/XXXX on months 8 and beyond I paid {$120.00} a month. {$27.00} was to go towards XXXX and {$99.00} was to go to AMERITECH FINANCIAL to disburse to my student loans on my behalf. The XXXX was to receive {$26.00} I was instructed that the {$120.00} for a year= {$1500.00} x XXXX = XXXX, XXXX. Thus saving me {$41000.00}. I was made aware that the FTC was filing a suit against XXXX XXXX on XX/XX/XXXX. I have contacted them to cancel my business with them and gain control or my student loans and I have not heard from them. I want to know where my money that I paid them went to.
I don't know this account. 
All it says is that it's a 'bank account OR card opened up with my social security # ( the alert showed on my XXXX  , apparently it was reported to transunion ) and name. 
I have only one bank account at XXXX XXXX XXXX so any other cards or accounts opened up after in/after 2011 are fraudulent. 
This company reported XXXX to my credit score. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed, Show they are licensed to collect in my state ; and their license numbers and Registered Agent. If your they fail to reply to this debt validation within 30 days from the date of the eceipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
This is my third complaint in regards to being a victim of identity theft and a fraudulent and unauthorized account and hard inquiries listed on my XXXX XXXX, Experian and XXXX  credit report. I have filed 2 police reports in regards to the fraudulent and unauthorized account and hard inquiries listed on my credit report. The following account and hard inquiries are fraudulent, unauthorized and do n't belong to me, I never applied for any account or hard inquiries with the following creditors : XXXX XXXX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX-XXXX,XX/XX/XXXX, XXXX XXXX-XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX
I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them.
My wife and I applied for a refinance in early XX/XX/XXXX of our Florida property and we were consequently denied because Bayview Loan Servicing LLC is now claiming that our loan modification was more than 180 days delinquent. This was not on the credit reports when we got the original mortgage loan in XX/XX/XXXX. Our account with Bayview ( XXXX ) has been paid as agreed since the contract started in XX/XX/XXXX. We have diligently been working with Bayview since XX/XX/XXXX and provided them with the necessary documentation to resolve this issue. We have supporting documents including a payment history from Bayview Loan Servicing showing pay as agreed and that our loan is current. We even filed a dispute with XXXX to have this remove from the credit report. XXXX is in agreement that the loan was paid as agreed. We had made several attempts at communications with Bayview 's customer service department only to get the same response that we need to send over the credit report to us to review and we will get back to you. This is has been happening for the past 2 months with no resolve in sight. Can some one please help us to resolve this as it is ruining out credit standing. Thank you!
My daughter is an authorized user on my Bank of America credit card. She is only an authorized user, not financially obligated. She recently applied to refinance her home. When her CBR was run, her score had dropped significantly due to B of A reporting the balance I carry on her credit report as if she was carrying the balance. We had not authorized B of A to report on her CBR, my balance was shown on her report thereby violating my privacy ( I did not want my info for other 's to review on her report ), and the resulting drop in her score resulted in a XXXX basis point increase in her refinance rate ( which will cost app {$50000.00} over the life of her loan ). I addressed this with B of A through a number of channels, was initially told they ca n't do anything, then was told it was up to the CBR ( which I called and they affirmed they were only reporting as B of A submitted ), then was told I need to remove her as a user but her report would then show as account closed. I then submitted a complaint and finally was told they would remove the info from her CBRs, but it will take 60 days. She really needs to refinance now ; because of B of A her rate is higher, B of A should not have reported this on her CBR, should not have disclosed my info on her CBR, and should have not either lied or given me incorrect information through a rep, the rep 's supervisor, that supervisor 's supervisor, and finally the dept answering my complaint. This is a serious, and costly, breach of information sharing both for my daughter and me.
I have been having problems with hard inquiries that I called the companies that did they hard inquiries with no results they had no permission from me to check my credit report, So I contacted  XXXX  and Transunion and they said to bad need to contact the company to dispute I told  XXXX  and Transunion and some of the inquiries I contacted the phone number was disconnected and the company didnt exist so I contacted   XXXX   and Transunion back they said they didnt care and will do nothing they allowed companies to check my credit and   XXXX   Transunion had nothing on file other then my name and still let the company check my credit file.
Please remove the following fraudulent inquires from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I received XXXX hard inquiries on my credit report ( Eqiufax ) dated XX/XX/XXXX & XX/XX/XXXX. I disputed these inquiries with Equifax and they were not removed. I have received letters from XXXX/XXXX stating they have sent in requests for these inquiries to be removed as I did not authorize these. Equifax has yet t remove these inquiries from my report.
Originally in XX/XX/XXXX my mortgage was paid by two banks : XXXX and XXXX XXXX XXXX  XXXX. However, the XXXX payments ( two of {$410.00} ) were never applied to the account. I have been trying to call and resolve this matter with Wells Fargo Home Mortgage since XX/XX/XXXXr but to no avail. I never get the same person. When I try to use an extension or an email was given to me, I don't get a response, get a voicemail, and never get a callback. 

Finally last month, they figured out that the cash department had not received the payments I had made from XXXX bank. You looked into the matter and told me you found the payments had been applied to the home projects account I had opened. You said this money would be moved and applied to my mortgage. 

Instead, however, I received a check in the mail cut for XXXX because they had to move the money that way because of tax ID purposes. However, when using that money to pay my mortgage, I was still charged a late fee. Therefore, I need to be credited a late fee from XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX to make up for the clerical errors on Wells Fargo 's part. 

Similarly, this has now created ANOTHER issue with the home mortgage project account, as it is not showing an outstanding balance for the amount the check was cut for. I am not sure why this is ; I was told the cash department applied my payments to that account, NOT my mortgage. Therefore, where is the cash that I had sent that was said would be applied? 

I am growing increasingly concerned, as this was supposed to be rectified. Instead, there is now another XXXX discrepancy, and multiple late fees involved. It is showing me I owe on that home project account now, one that has been at XXXX balance for over two years. I want to get that to XXXX   and close that account. 

This whole manner is very disconcerting and the amount of time/red tape involved in trying to get this handled. I got a letter from Wells Fargo company stating it had been taken care of and they were checking credit bureaus to make sure it had not been reported ; I felt relieved that everything was being dealt with. Then I got the check in the mail just before the holiday weekend, and it all started again. 

Since then, I have tried calling a whole team of people, and no one will return my calls or emails. 
XXXX XXXX - XXXX XXXX XXXX - Team Lead XXXX XXXX XXXX XXXX XXXX - apparently out of the office until XX/XX/XXXX I have also reached out to Wells Fargo on XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX  of Community Banking and Lending. We live in Ohio, and despite the fact you own our mortgage, there is not a branch office in a reasonable distance we can walk into. 

The only payment I have missed is the current one because the account is saying there was unapplied funds. I have tried calling to talk about what this means and where they came from before more of my money gets misallocated.
I received a letter from the  National Credit System   XXXX / XXXX / XXXX  in reference to a debt from a  apt . c omplex called    XXXX   XXXX   XXXX   .  that I use to live in. In  XXXX   XXXX  or so I filed a dispute in reference to I think  XXXX  and some change that I wrote about on my credit report for which I did n't hear anything else about it so I thought this issue was over I had to put a deposit down between  XXXX  or  XXXX  and they kept it which was enough to cover the normal wear and tear of a apartment that I lived in for almost 3yrs and I took pictures of the way I left the apartment and I believe they are over charge to get more money and for National Credit to send a letter stating that they would put liens on my property, garnishes wage and take me to court to get more from me and it was in my best interest to contact them. I felt their letter of intent was rude and illegal and I am not sure how companies get away with this behavior but they need be shut down by the federal government and the money they are claiming I owe I do not and it was stated in my explanation on my dispute that I did with my credit report.
CFPB Complaint Number XXXX I had an account with XXXX for phone service. Coverage was terrible, as I travel around the country as a delivery driver. So, we discontinued our service with XXXX and went to another cell phone company. My spouse was making monthly payments towards the debt. When we purchased a home a blemish was reported on our credit report of an outstanding balance owed to XXXX. The spouse paid this amount and a little over a year later another collection agency tried to collect a higher amount owed to XXXX from us. I have a letter from the XXXX collection agency stating the amount was collected, but they had failed to forward this information to XXXX during a phone call with them. I have attempted to get copies of all statements from XXXX for a time period from XXXX XXXX through present date while on the phone with a representative. That has failed. I am mailing a letter to Customer Relations requesting the statements on XXXX XXXX, XXXX.
On XX/XX/XXXX I received a letter from Chase bank stating they transferred my mortgage to XXXX XXXX XXXX.My house located in Florida is being in foreclosure since XX/XX/XXXXand due to some mishaps from chase the foreclosure could n't being accomplish until this date.It seems to my humble understanding in the real estate business that something is going on that hinders the bank to complete the transaction, good for me by the way.I have tried many times to come to a solution to bring my mortgage to a good stand, but the bank is not cooperating at all, so i being batling against the system on my own and thankfully has being working so far, but I am affraid the time is running out.I need to have a selling document from HUD so I can take them to court ( XXXX XXXX, Chase, XXXX, XXXX and possibly HUD ) to prove something is not right with the time of selling, etc HUD is not cooperating with me and they just give me their website to search for a topic related under the XXXX to fill up a form and send it so I can get the information I need.I have tried with their website, i can not find anything related to what I need.In the mean time I have XXXX banks fighting for my place and none of them have the right documentation.Please I have the premonition something is just not right and I need at least this document from HUD to at least find out who legally owns the property and when it was sold and by whom.My house is not on any real estate listing and is being in this situation for XXXX years, ( I am behind payments since XX/XX/XXXX ) .I paid XXXX of those companies that promise to stop or mediate to avoid foreclosure, but I got robed and lost {$2500.00} Thank you kindly for your help.
I spoke to Chase Auto Finance at the end of my lease. They told me to expect a letter from XXXX within 60 - 90 days regarding the final balance for my lease. I received a non-certified letter from Chase Auto Finance on XX/XX/XXXX ( nowhere was it marked from XXXX ) dated XX/XX/XXXX for the deficiency balance at the end of my lease. The letter says " Please pay this amount upon receipt of this letter. '' - without giving a valid due date. Based on this, my assumption was that the due date was from my receipt of the letter, XX/XX/XXXX. 

I wrote a check and sent it to the address it listed. The check was either lost in the mail or misplaced by Chase Auto Finance. Chase Auto Finance is unable to confirm or deny mishandling my check. 

Chase placed a 30 day late payment notice on my credit report on XX/XX/XXXX, 27 days after my receipt of their letter. I called on XX/XX/XXXX and spoke to a Supervisor, XXXX, employee ID XXXX, who said that " as much as I agree with you '' that he can not change what has been reported. I requested that they remove the 30 day late notice as I contend I am only 28 days late and they would not remove it. I made the payment in full of {$2700.00} with XXXX, employee ID XXXX. 

I contend that based on their wording, " Please pay this amount upon receipt of this letter '' means that the due date is my receipt of the letter. I made an attempt to pay promptly which was lost along the way, then paid the amount due 28 days after my receipt.
I recently got laid off from my job. 
I went online to get information to file for my unemployment benefits with California XXXX. 
On XXXX the first link had the California edd.gov so I clicked on what I thought was the right link. It had the XXXX screen so I began going through the process when a window popped up requesting I fill out a form for my credit report. I thought it a bit strange but that maybe this was a new process for unemployment! As I continued filling this information out and providing my bank information I realized that this was most certainly NOT correct so I closed out the screen and found the right link. 
Unbeknownst to me I signed up for a Transunion monthly report!! When I saw the fee debited against my bank account I called Transunion. They cancelled my subscription but refused to refund my {$19.00}. I want this company to refund me my money. They are preying on people by putting up a phony link to the XXXX! 
The date that I mistakenly signed up was XXXX/XXXX/2016 and the charge was taken out on XXXX/XXXX/2016, I do hope you can recover this for me as being unemployed every penny counts plus this is a consumer fraud. The link was intentionally put there to look like the official California XXXX link. Buyers beware ... ... .Very upsetting
I received a call today from a blocked number stating that they are court processor for XXXX XXXX and that I am being served an arrest warrant at home or at my job within the next XXXX minutes. When asked for further information they gave me this number and file # XXXX # XXXX I was then transferred to their " legal dept, XXXX XXXX '' Who then state that their company name is XXXX.I called a credit attorney and was told that there are too many red flags and that it does not appear that this company is legitimate and that they are not allowed to harass me or threaten with jail time.I then called the XXXX # again and the guy said that my file had been transferred somewhere but that he was not aware of and then proceeded to try and tell me why I did n't pay and that the XXXX address was from a XXXX XXXX office and why was I online while at work. I asked for a debt validation letter but the guy stated that I owe the debt and that he already sent several notices last year. He the mentioned the debt was from 2014 of which I then reminded him that I filled a bankruptcy back them and that is why I am asking for a debt validation letter. XXXX refused.
Daily calling of my cell phone using multiple phone numbers at XXXX.. My cell number is new, they apparently are looking for the previous cell number owner about some debt and despite numerous requests they have not removed my number.
I was at the hospital on XXXX/XXXX/15. I knew I had a check still out for XXXX. I had a check that needed deposited but didnt think I would be done in time to get it there. I called Regions bank and they assured me that my account was not in overdraft and looked fine. There would not be an issue. This morning I woke up to XXXX worth of OD fees charged to my account. When I called and spoke with them they said that they couldnt see the checks coming through. I then asked why did they clear first if they were the last things to show up? She said they pay the higher amounts first and it trickles down. I explained that I was told yesterday bu XXXX that my account was fine. She said I was the only one who knew about the checks and there was nothing they could do. I have a real problem since I had money that could have been deposited to avoid this but I was told it would be ok. Also, because the checks coming through that werent seen were paid first. If they had gone in the order they received them I may not be so upset over the XXXX check fee but this is ridiculous. They say its ok and process however it profits them. I understand they are a business but they are a crooked practice that is unwilling to work with a customer that has been with them for year.
American Coradius International LLC is presenting a false claim that I owe XXXX {$56.00}. There is a surplus in my XXXX account and no money is owed.
On XXXX, I sent payment to XXXX XXXX, Paypal account he gave : XXXX, his email he was emailing was XXXX and XXXX. 
I sent payment for a condo rental in XXXX, XXXX XXXX   XXXX @ XXXX XXXX XXXX, XXXX, XXXX. We were to meet him there on XXXX to get keys to have the condo for the night. I was charged {$400.00} of which {$250.00} he would give back for deposit. He never showed up to meet us at the condo and would not respond to messages later in the day after we had waited hours. He claimed his wife was in the hospital and he had no access to his phone. I told him I wanted my money back and he said he would refund that night. He didn't. I continued to try contacting him for the refund and he wouldn't respond. He finally replied back XXXX saying he would again refund my money that evening and again, he did not. Not he is not responding to my messages nor returning my money. 
Paypal is refusing to dispute it since it was since via Family/Friends link on the site. 

I took it upon myself to do some digging and emailed this XXXX XXXX posing as a new prospective renter for his condo. He responded immediately to the emails showing his condo was available. He provided a new Paypal email address to send funds to that is different from the one I initially received as myself. I was able to talk him into giving his bank info after telling him I didn't have Paypal. I called and verified the account with the bank and have that info to give you if needed. 

This XXXX XXXX scammed me and I would take any assistance in obtaining my money back. His bank account is titled under XXXX XXXX XXXX at XXXX XXXX in Utah.
I do not know how long this has been going on but recently I've found out XX/XX/18 that the car payments that I've been making have been going to XXXX auto insurance at their choosing. After paying over {$400.00} within the same week I received a text message stating a text that I was over {$400.00} past due. When I called their customer service stated they could apply my payments anywhere they choose and that I was now 20 days past due. The loan I have is a simple interest loan by the company choosing not to apply my payments to the actual loan I will be paying way more for the vehicle than expected along with negative reports to my credit while making payments. Prior to this incident the customer service collectors will make you feel as if you are about to be repossessed verbally and through text.
The collection agrncy called me and i offered to pay the debt in full. I Provided them with my bank account info to make the payment and asked if after i spoke with the original creditor if it was determined that there was a mistake if i would get a refund if the payment. The agent asked me why i would pay a bill i didnt owe and i informed her i was in the process of buyi g a house and coukd bot have a negative account reported on my credit report. She immediately put me on hold transferring me yo her supervisor of who i asked the questionagain and then told him that i was willing yo pay the accoubt in full with thr i go they had on file. He asked if i had a credit card and i stated no he yold me ifni wanted to get the new house i wanted i better get a credir card because he would not take the form of payment i was offering and hung up. The account is got a insurance policy i cancelled on XX/XX/XXXX. There was no attempt by the original credit grantor to collect payment and they sent the ccount to collections less than 30 days after the policy was cancelled and the collection agency contacted me in XXXX and had reported the account on my credit report by XX/XX/XXXX.