WillisBack/dataset-financial-user-claim huggingface dataset:
This is a company called XXXX XXXX claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with XXXX  XXXX I have no idea what they are talking about as this was fraud and never authorized by me.
Describe what happened so we can understand the issue ... 
I became delinquent with my XXXX dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me. 
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo. 
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated.
InXX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
After a recent pull of my consumer reports, I noticed the furnishing of inaccurate information on accounts damaging my credit score. After I disputed with the credit agency to my surprised it was verified as accurate. However one glance at what is being reported one will notice it is clearly not accurate. Charge off dates do not align, failed to pay on one bureau, paid on time on another.
I consolidated my loans with Fedloan Servicing and the monthly payments are too high. I have repeatedly contacted them about the issue and submitted documentation/request for a lower payment plan but have received no response from loan servicer. I am attempting to pay what I can afford monthly but since they have not responded to my request for a lower payment my account is delinquent.
Problem is with the customer service phone # on the statement its not working with the past 8 or 9 months so when I have issues I have to go on internet and get a contact # and when I call their customer service are not in XXXX they are in XXXX because they all have XXXX XXXX accent They are not helpful and their system about my account history is not accurate and correct My problem is everything I purchased I returned and nothing showed in my account they made s {$900.00} balance for me and its not correct You could try to call their phone # XXXX
That my wife and I are victims of predatory lending practices, and naive/gullible targets of   XXXX   home mortgage scams. The unscrupulous methods of lenders compelled us to file chapter  XXXX  bankruptcy that ultimately lead to our property put on short-sale/foreclosure.   In addition, the property is no longer in our possession and has been physically occupied by Carrington Mortgage services of  XXXX , California.  Carrington  Mortgage has been lackadaisical in dealing with entire issue especially getting our names off the deed. Such that utility companies and home association stop sending bills for utilities some of which already been turned over to collection agencies destroying our good credit.   In the past year or so,  Carrington  employees  (   XXXX   XXXX  or  XXXX   XXXX   XXXX  ) have been contacted by phone, email and fax and advised to have our names removed from deed. Also utility bills have been forwarded from time to time and they instructed to have home insurance updated in the company name.   Utility companies and their collection agencies advised to forward future bills to Carrington for direct payment.   Since Carrington also broke into the property,  XXXX   XXXX  sheriff office was also made aware of the development
XXXX  and/or Experian and/or XXXX  have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX ; thereby there are two collections regarding the one XXXX  ... acct. XXXX XXXX and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2-XXXX XXXX and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,
Wells Fargo : Mother died in XXXX of 2016. In her belongings was an inactivated credit card. All her accounts were closed and notice of her death provided by the end of XXXX. In XXXX a credit card statement was received with a " XXXX balance ''. XXXX separate phone call attempts were made to a number given to deal with the credit card. Each time the automated voice comes on and states " no one is available to answer your call '' it gives the hours of operation. The calls were made within those hours and days. A call was then made to Wells Fargo Customer services. Which said it had to be handled by the credit card services and I was transferred to a person ( XXXX XXXX XXXX ) who said she could not access that account and sent me to a third number which answers with " no one is available to take your call '' and it just hangs up.
I Do Not Currently Have All The dates Or Information to Provide in this Email or Text But If Contacted By my Email XXXX I Can Provide more Information Basically I Attended XXXX Years ago in XXXX And I Was Signed up and Charged a Federal Student Loan I Was Given a Tour of the Campus and An ID Badge I Also was Told by the Staff I Would Recieve a Diploma and Would get an Opportunity to Prepare for a Career Placement or Job in My Field of Study With the Career Specialist I Took Medical Billing & Coding ( XXXX ) However I Began to Fail In Class and Some how I Was Passed GIVEN Good Grades this School had been Under FRAUD And worst I Never Received my Diploma Never A Graduation Invitation Never Took State board Exam for Billing or Coding and Never Got a Career Job I Have Contacted Everbody the State of Florida Education, I Made a Request on the Website for Loan Forgivneesss And I am Still being Billed by FED LOAN FOR THIS PLEASE HELP ME!!!!!!
Bank of America has compromised my property into a short sale, after a long-term application for a Forbearance on my property. The Bank consumed much of my time, and energy through this process very poorly over a three month process. At the time I was collecting unemployment, my case worker indicated that the IRS form I needed to fill out to show whether or not I was in hardship. As a consequence, I was advised at least four times that my form to the IRS was filled out inaccurately, and had to resubmit the form. I was accused that the form was altered per the IRS comments, or other reasons that this form was filled out incorrectly. 
Further, I was advised by the loan modification group that this was the only piece of information was missing to complete my hardship modification. The process began XXXX XXXX, and did not end until I received a letter from the bank late XXXX indicating my only option is a short sale. 
Thus, putting my home into jeopardy of a foreclosure. I called the bank and discovered my only option ( prior to the last two days prior to transferring my loan to another bank ) was to pay back the two months to avoid a short sale by Bank of America. 
The bank 's management of the loan modification group mentioned I was not required to pay my mortgage payments, during the modification process prior to selling my loan effective XXXX XXXX, 2015 to XXXX, XXXX who has now taken over my loan??? I was advised further by management to discover if the new lender had options for me, which I have no idea who this bank is or what the lending practices are. This above issues, and process has caused me emotional duress, much time loss, and hardship, because now Bank of America is making me repay due to the banks error the payments, I was not required to pay. I was provided 30 days to Appeal, but how can I Appeal a decision when my mortgage was sold. I was only notified by mail that my mortgage was sold during the modification process. I also can provide several supportive documents to validate my claim with CFPB.
Hello, My name is XXXX XXXX from XXXX, NC. I travelled to XXXX for a trip in the month of XX/XX/XXXX. I have an account with Coinbase Inc for virtual currency and before i left, I bought XXXX Litecoin before I left to XXXX. I was unaware of the sanctions and laws about logging into Coinbase, particularly from XXXX, so when I attempted to log in to check my account, I was immediately logged out and my account was locked. I was asked to submit 2 documents to verify my identity, however there was no place on the site for me to upload them. I then emailed Coinbase Support my bank statement and my drivers license on XXXX XXXX and they confirmed that they got the documents. It has been over 1 week, and after multiple attempts of getting them to unlock my account, I am still locked out with no money. 

This is the same response I get everytime I try to contact support : XX/XX/XXXX XXXX Hi again, Ive just checked your account and can confirm that your request has been properly escalated. 

For fastest response, please do not create multiple tickets about your issue. 

We respond to cases from oldest to newest, and creating new tickets only makes your case appear new again, moving it to the back of the line. 

I understand how frustrating it can be to wait, but this is the fastest way to receive a response. 
If your request is cleared, well send you an email. 
If you need any additional assistance in the meantime, please let us know. 
my coinbase Ticket # is Case ID : XXXX Thanks I called Coinbase Support today on XXXX XXXX, they told me that there is no balance on my coinbase account. This is extremely scary for me because before I left, I had XXXX LTC in my account.
Sams club credit owed me a credit of {$27.00}. I spoke to them around XX/XX/XXXX and they assured me they would credit my account but explained it would take 1-2 billing cycles for the credit to appear. I checked my statements for XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX and still no credit. I called Sams Club Credit today ( XXXX/XXXX/XXXX ) and they researched the situation and determined that the request for credit was submitted on XXXX/XXXX/XXXX but somehow never credited to my account. Given the error, I asked for an immediate credit to my account and initially, they refused indicating that they would reprocess my request today and I would need to wait another 1-2 billing cycles for this new request. I asked to speak with the manager and only after I explained I would be filing a complaint with the CFPB, did the manager assure me he could approve the credit now to appear on my account within 24-48 hours. I still am not confident I will see the credit - but will confirm in the next few days.
XXXX XXXX XXXX set up a XXXX account under my social security number but wrong name my name is XXXX XXXX XXXX not XXXX j XXXX
I checked my bank this morning and this debt collector took XXXX dollars out of my account. I called the bank and they gave me the number of the collector and said that they had a court order. I never went to court. I dont have a job and Im still fighting with XXXX XXXX XXXX  over the work mans comp. There is no way to reach these people because it says the line is busy. the only income I have is childsupport.
Dear Sir/Madam My case number with Coinbase is XXXX The Coinbase system is not sending out my secondary email address which I need to withdraw my funds. 

The primary address of XXXX works fine - I get the email asking for approval. 

But the secondary email which I need to approve which is to be sent to XXXX never arrives. I have tried everything they advise to try in their FAQs to no avail. And they are not responding to my requests for help. It's not in spam of course. 

They also state on the phone that they can't help with vault problems via the phone. So essentially my 3 Bitcoin is locked up. I have read about people having this problem for months at XXXX so there is a bug in the system. 

You can see here XXXX XXXX XXXX XXXX XXXX XXXX Some people waited for months to finally get access to their money. 

Coinbase needs to be held accountable for their problems and needs to provide better service for their clients. I have been waiting and trying now for weeks to no avail and am fed up. 

Best XXXX XXXX XXXX XXXX XXXX.
My mom had past away and the morgage is in her name I have all the documentaiton Power of Attorney house was left to me and I am deeded to the property, So my house is not in a foreclosure status with Sale Date attached to it being serviced By OCWEN SERVICING COMPANY they are suppose to be helping me with this loan Modification and all they are doing is giving me a Big run around and i have complied submitted all paper work and still now they are telling me there is nothing they can do for me. I want to save my home and they are not helping me at all There is a sale date on my Property and this is scaring me that I will be evicted from a property that I am trying to save in everyway
Allegiant Capital Recovery attempted to collect on a debt that they were not entitled to collect on. The company my debt is with had withdrawn the debt from their company 2 months ago because of their harassment towards me. They have continued to call me and berate me while threatening to sue me for {$5000.00} which is nowhere near the amount I owe. They have verbally harassed me and tried to get money out of me that they are not entitled to. They are a disgusting company who should cease to exist.
I borrowed {$300.00}, for 1 month and paid {$190.00} for interest which is outrageous. And made payments every 2 weeks. This is the highest I have paid. This company needs some checking into. It is the Cash Store.
I have sent a validation letter to   XXXX   XXXX   XXXX   and   XXXX   XXXX   and neither company has responded within 30 days. The letter that I sent to both agencies goes as follows : To whom I t May  Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded.  ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby reques t 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 me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, 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.     Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.     I did not receive anything from neither collection agency.   XXXX   keeps stating : " Account information disputed by consumer, meets FCRA requirements ''. This statement is untrue and these  XXXX  accounts need to removed immediately for they was never validated so clearly they are not verified.
XXXX is showing a collection item on my credit report however I have never had a contract or agreement with the company listed RMB INC XXXX XXXX Account # XXXX {$3200.00} Company has never contacted me in regards to any bill contract or agreement
I have contacted Equifax on the following dates Via Mail Thursday, XX/XX/XXXX XXXX XXXX Tracking : XXXX Tuesday, XX/XX/XXXX XXXX XXXX Tracking : XXXX Via Phone XX/XX/XXXX XX/XX/XXXX I contacted Equifax numerous time to explain after their compromised information on my credit file was deleted and changed. My tradelines completely disappeared which were eventually replaced after 3 attempts to their call center in XXXX. My name variation which has caused multiple denials and inquires still effects me.
Bank of Ame rica Home Loans have co nsistently violated the Consent Judgment Order/Supplemental Order (  XXXX  '' filed in the FT C v. Countrywide Home Loans and BAC af ter reprimand from the FTC. I was a recipient that received restitution from CWHL resulting from their abusive practices. Bank of America and  XXXX , successors to  Countrywide, a re continuing their abusive, deceptive, and, mispresentation practices. I have filed more than  XXXX  complaints that spans a period of 3.5 years against Bank of America and  XXXX  journalizing these abuses over the years. I am hopeful this complaint will be forwarded to the FTC for further investigation.
I have been having issues with my credit report for a few years. I have other names and accounts the may have been confused with my personal credit file. My name is XXXX XXXX XXXX. PLEASE DELETE ANY VARIATIONS OF MY NAME. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE DELETE ANY OTHER ADRESS ON MY FILE THEY ARE NOT ACCURATE. THE FOLLOWING ACCOUNT I DON NOT HAVE ANY CONTRACTS, BILLS OF SALE, OR DISCLAIMERS FROM THE CREDITORS? I DEMAND THAT YOU PLEASE PROVIDE REQUESTED PROPER DOCUMENTATION AS BEFORE. SIGNED CONTRACT, UCC1,2,3, ANY PROOF OF CLAIM FOR THE FOLLOWING ACCOUNTS : 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 have attached a copy of my ID and will be filing a FTC report and Police report as well!
An account from XXXX XXXX is still reporting on my credit report as an open and active account. I filed chapter XXXX bankruptcy XX/XX/XXXX and discharged on XX/XX/XXXX. I have disputed this with Trans Union several times and nothing has been corrected or updated.
I have tried on numerous occasions to contact XXXX XXXX XXXX, Transunion, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example Transunion tells me that XXXX XXXX XXXX has to fix it but then XXXX XXXX XXXX tells me the opposite. It is extremely difficult and frustrating to even try to get someone at XXXX XXXX XXXX to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven ( which they actually did forgive ) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as {$0.00} on my credit report which it does ). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the XXXX XXXX XXXX customer service agent I pulled my credit report. I was happy they kept HALF of their promise ( as was required by law ) and my balance was {$0.00}. But the late payments were still showing ( and are still showing to this date ) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in XXXX XXXX XXXX 's system and that it would be fixed. 

Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting XXXX XXXX XXXXXXXX. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. XXXX XXXX XXXX ( as well as these credit agencies ) are affecting people 's lives and making promises that they do n't keep. I believe that XXXX XXXX should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.
I received a letter from RESULTS UNLIMITED, INC on Friday XX/XX/XXXX claiming that I owed XXXX XXXX ( my old apartment complex ) {$130.00} I called the company ( ( XXXX ) XXXX ) TuesdayXX/XX/XXXX at XXXX. Gave the young lady my name and she wanted my address I told her they sent me a letter so it 's the same address. At that point she proceeded to tell me if I did not update and give her my address she could not send me to whomever I was to speak to regarding a debt that I supposedly owed. She told me when I called back with my address then I could speak to someone. I hung up, waited a couple of minutes and called back. Same lady answered the phone, I gave her a bogus P.O. Box Just to talk to someone. I was on hold for approximately 3 minutes. Once XXXX came on the phone I gave her my name and asked her what this DEBT COLLECTION letter about. XXXX then proceeded to ask me was I working and answered YES. Then she wanted to know where I worked. I told her I was not giving her that information. I do not know who she was or who the company she represents was. XXXX then told me then, that she could not help me. I told her that what ever this is about I am disputing the claim, and that I was not giving her my employment information. She then tells me that they will then just see me in court. I did not argue and simply said ok and then turned around and called the CFPB where I spoke with XXXX and here I am now.