WillisBack/dataset-financial-user-claim huggingface dataset:
Received a call this morning from XXXX ext XXXX. Caller did not state her name clearly. Claims " the attorney '' is going to file a wage garnishment against me today in my county for a debt of {$1500.00} Refused to provide information about supposed debt other than to tell me the company is " XXXX '' through XXXX and that the last payment I made was for {$30.00} on XX/XX/XXXX and the account was closed in XX/XX/XXXX.  Claimed that many letters, emails and phone calls have been sent to me by 5 different collection agencies. Would not tell me the name of the collection agencies. Kept informing me that " the attorney '' allows 1 courtesy call before filing a wage garnishment. I asked for clarification on if I was being sued for debt collection. She stated they are not a debt collector and I was not being sued - that a court order for wage garnishment will be filed today. Still would not give me any information. I told her I would do some research and call her back today. Then I checked my credit reports and found no record of this debt. I then called XXXX directly and was told there was an old debt, then I was provided with an address with XXXX to request the documentation in writing. The XXXX representative was very nice and told me to contact the supposed law firm and " request validation of the debt ''. I called the " law firm '' back and, requested a validation of the debt but was told " we can validate the date but we have to go ahead and file for wage garnishment today, you'll get served papers and you can review the documents at that time. '' I asked for the company name and address so I could make my request for debt validation in writing. Instead I was given directions on how to look up their corporation address through SIS.GA.GOV, corporations business search. I now have to A ) write a letter to XXXX for information and B ) go through several online steps to simply obtain an address for this supposed law firm so that I can make a written request for validation of the debt.
I tried to contact or submit a complaint as I have been trying to find out why my credit report from Equifax is being denied -- as it says there is no information about me. 

All other XXXX entities like XXXX and XXXX i am able to pull my credit reports, but no Equifax. 
I have trying to contact, but to not avail and their support just keeps saying i need to buy a subscription to be able to see my credit. ( how can I do that when I not even able to pull my credit from the XXXX ) Just no sense, I just would like to check what the issue and correct it so my credit checks dont keep getting rejected.
I had a bank of america credit card and went through some financial hardships during my last year of school in the beginning of 2017XXXX i was starting to establish a great relationship with bank of america by always paying my card on time and have had 13 years of great credit history. i had an account close during that year of financial hardship and sent to collections which i have now taken care of by settling and clearing it with bank of america back in XXXX this year. I want to start building a realtionship with bank of america again.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians  delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX never late INQUIRIES XXXX/XXXX XX/XX/2017 unauthorized EXPERIAN XXXX XXXXXXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX   XX/XX/2017 unauthorized XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX/XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
MONEYGRAM MUST FURNISH ALL DOMESTIC AND INTERNATIONAL WRE TRANSFERS MADE TO XXXX AND OTHERS.. XX/XX/XXXX-XX/XX/XXXX SEE MONEYGRAM REWARDS NO.XXXX, SEE XXXX XXXX XXXX   RECORDS.
Earlier this month, I received the Annual Privacy Notice Statement from Discover. On XX/XX/XXXX, I tried to check my privacy settings online at Discover.com. It was impossible to find my privacy settings. I called Discover to find out the information. The representative told me to check my user agreement. That was not helpful. 

Later that day, I sent a secure email to Discover requesting the information to check my privacy settings. The representative ignored my request. I want to be sure the privacy settings are correct, but the Discover representatives are not providing the information so that I can check to be sure the information I want restricted is restricted.
I am potentially exposed to the XXXX 2017 Equifax data breach. This is the most recent of many data breaches I have been potentially impacted by. It is clear to me that companies that are in possession of my highly personal identification details are incompetent in regards to its safe keeping. For every one of these breaches, these companies offer a year of " free '' credit monitoring which then is charged as a subscription service thereafter. To single out Equifax, there are reports that agreeing to such a service is also agreeing to forced arbitration, essentially holding my identity and rights as a consumer to take legal action hostage for such protection. This information is in most cases permanent and unchangeable without undue burden such as a social security number. I feel that these companies have not taken appropriate actions to safeguard my personal information because there is no incentive for safekeeping or monetary penalty for failure ( i.e. fine levied ). It is an insult that they will offer " monitoring '' to the victim of these breaches through their own corporate division when they are the the entity that is clearly incapable of protecting my information in the first place. At a minimum, I would expect industry wide changes in practice that penalize corporations for their inability to safeguard this information. I believe lifetime credit monitoring is more than a fair trade for the repeated exposure of this information that an individual like myself has endured.
XXXX/XXXX/XXXX a bill was submitted to the HSA by Sun XXXX XXXX for {$140.00}. The insurance paid {$67.00}. On XXXX/XXXX/XXXX balance of {$81.00} was paid out of the HSA and check cleared on XXXX/XXXX/XXXX. Since then we have sent proof of these clearing to sun city imaging yet they still sent it to collections. We shared proof it was paid with collections yet they continue to dun us.
On XXXX XXXX 2016 I made a purchase from lowes via there website.There was an issue with that purchase that led me to file a dipute. XXXX corporate agreed to that dispute and authorized the release of those funds back to me.However my debit card company is holding those funds and will not release back to me.
On XXXX/XXXX/XXXX A Company who calls themselves XXXX XXXX XXXX was allowed to tap into my Consumer Report without my permission. They did an inquiry without my permission. This is Common practice with the XXXX XXXX XXXX without XXXX XXXX. I want these XXXX agencies to Cease and desist reporting my information, without my Consent, They allow anybody to get into my File without my permission. Please take all of this information out as I have asked on several occasions. This identity theft has got to stop. Send me {$100000.00} for this blatant intrusion into my files.
i did n't receive any information about this collection. i also disputed a collection that was vacated.
Theres alot of unauthorized inquiries on my   XXXX   credit report from companies i dont recognize ...
Synchrony Bank XXXX XXXX XXXX XXXXXXXX Florida XXXX The bank named above issued to me store credit cards in the last few months they continue to lower the line of credit I have avaible, I ask why on a chat session on line ( I am XXXX years old and XXXX ) the other person on the char session did not know why I never missed a payment usually pat off the cards in first month when I get bill not ever month but 10 out of 12 months, in their letter to me they site credit reports, but after looking into this I find that Synchrony Bank is reducing the credit line due to me age, most likely using a computer program to predict when a person will die I feel this is wrong and I am not sure if they have some how obtained any medical files on me, I did have XXXX XXXX last year had the XXXX removed and have been XXXX free ever since This is wrong a bank should not try to predict a persons death, this bank has been paid and of course I will return their store cards even thu they have a lower limit, I think this bank should be investigated as to its policies of senior citizens Please let me know if this policy is a violation of Federal Law Thanks XXXX XXXX
I took out a loan from XXXX XXXX in the amount of {$300.00} and it went unpaid and this is from 2009. The debt was sold to a collection agency and they reported negative information to my credit profile. According to the FCRA all debts can only be reported for 7 years and I have written numerous letters and the are refusing to remove the negative information.
I was denied for a loan modification ( HAMP XXXX ) on XXXX XXXX, 2015. Wells Fargo Home Mortgage made a mistake on box XXXX of my NPV - Property Taxes. They state they denied me for a HAMP XXXX XXXX because " my modified payment would be less than 25 % of my monthly income ... '' ( See attached denial letter ). However, they had my property taxes incorrect in the review. If they correct my property taxes, then my modified payment would be actually more than 25 % of my income and I should qualify. ( See attached actual appeal letter for more detailed explanation ). This is a cut and dry appeal with no questions there was an error. However, Wells Fargo Home Mortgage ignores ALL appeals and simply replies with a form letter stating they did not make an error. If this is in fact the case with this loan, I hope the CFPB uses this to prove this is what Wells Fargo does to everyone and fines them millions of dollars for lying! I hired an attorney to help me with submitting my paperwork. My attorney filed a dispute to my denial on XXXX XXXX, 2015. The dispute provided a copy of the actual current property tax bill. Wells Fargo Home Mortgage general practice is to ignore all requests. They did this with my appeal. Even though my appeal unquestionably proves they made an error on the XXXX review, they refused to respond to my appeal. Later they verbally said they did a review and it was still denied. My attorney has been asking for a new " Corrected '' NPV chart and denial letter. To date they have refused to provide me this CORRECTED NPV and NEW denial they state they have. In the mean time they have referred my loan for foreclosure. This is what Wells Fargo Home Mortgage does to people. Play games, dual track foreclosure and hold back paperwork in an effort to evade properly reviewing home owner 's for assistance. They do this while the market values of homes increase so they gain more and offer less.
In XXXX of 2018, I obtained a loan with XXXX XXXX XXXX for approximately {$770.00}. This was online and the advertisement was deceptive and did not understand how much I would owe the company
on XXXX XXXX i made a deposit of XXXX and it only credited it me for XXXX dollars
I was never notified that I had a bill in the first place and I thought my insurance took care of this matter, I have decent credit so it would n't have been a problem to pay the bill. So I was told when I paid it they were going to remove it from my report only to leave it on there and tell me that they only update the report to a paid status. I feel that this is wrong I am trying to buy a house and this is holding me back and the way they get you to pay the bill and tell you they are going to remove it off your report. I spoke with several different people at that agency and I was told so many different stories after I paid the bill and I received a letter stating they were going to remove it and they still did n't it was removed from two of the three reporting credit agencies but XXXX XXXX will not do it unless this agency contact them direct. This has been an on going thing for months and I have had it I pay all my bills with no problem. These people is just trying to cause problems.
I recently was a victim of severe flooding in Louisiana. My home was damaged, and I was fortunate enough to have flood insurance. I received my insurance check made out to me and my mortgage company, Midland Mortgage. I sent the check to Midland on XX/XX/XXXX. I have began repairs to my home with my savings. On XX/XX/XXXX, Midland sent an inspector to check the status of my repairs. Their inspector said my home is XXXX % repaired. I have yet to receive a penny of my insurance money from Midland. All they say is that it is being processed. I am currently at XXXX % complete with the repairs, but have ran out of money to finish the last 3 %. I have made it clear to them that this is my money, I have paid the premiums, I have done the repairs and it is illegal for them to earn interest on Federal flood insurance money.
I sent a debt validation letter to Cavalry Portfolio Services multiple and no response. However this company is reporting negative information to my all XXXX credit bureaus monthly.
This company repeatedly calls me, from phone number, XXXX. I do not know if another company that I complained against, simply sold the unknown debt to XXXX XXXX XXXX. 

I want this company to stop calling and put in writing, who they represent and what they claim is owed. Also, if your agency contacts this company, I do n't want them to simply write a letter of appeasement and then sell the unknown debt to somebody else, to repeat the cycle. 

I was taught that I first need a letter in writing and have 30 days to dispute the validity of the debt, in California, before a debt collector can legally call me.
Discover Bank admitted they made exactly XXXX attempt via letter, and XXXX attempt via phone -- at the exact same time no less -- before sending my account over to the XXXX of California via Escheat. I actually returned their letter with a Signature page to the exact address they provided -- within 3 days of receiving their letter. I kept a copy of the Sig page I returned to them XXXX attached ). I also received a statement from them from my account, in the mail, two months later. 

I never had a problem receiving quarterly statements via mail, and I did receive their letter dated XXXX 2014 and responded in Full. 

Over the entirety of my account with them, no personal information changed. No change in address or phone number. Despite all of this, and returning their letter to them within 3 days, they made no attempt to contact me to confirm anything, and sent my entire account -- my biggest savings account and XXXX I need access to -- over to the State. After only XXXX attempt via mail and XXXX attempt via phone -- at the exact same time ( What if I was traveling? Which I was n't ... ). 

I am losing interest accrued, and access to my biggest Savings Account for untold amount of time. It is inexcusable to do this to a customer given No change in circumstance and actually responding to their request.
Hello, my e-mail at transferwise.com is XXXX. 
i was sent a sum of XXXX USD by a friend " XXXX XXXX '' who lives in the U.S. on XXXX, with an ETA at the XXXX and i have a screenshot of the transaction and i had on my account a notification of this transfer but it said pending. 
trying to logon to my acc XXXX, i find it to be deactivated without any notice and i was instructed to contact XXXX so i contacted them but i got no message of delivery ( contrary to what they write on the page ) nor did i get any response. 
i contacted XXXX and he discovered his account was deactivated too. 
my account is verified and i have everything on mail. 
thank you.
Equifax is reporting a public record on my credit file. I have disputed this item and they have verified the item. 

I request a detailed Method of Verification be provided within 15 days of receipt of this letter for the aforementioned account complete with the following information : Name Business address Telephone number of the person or business contacted during the investigation. 

If a detailed Method of verification can not be provided please delete this entry as requested. If your credit reporting agency refuses this request, I intend to sue for willful non-compliance under FCRA 616. In addition these accounts are negatively affecting my credit rating. I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please correct this information and update my file immediately.
Hello, I have a complaint related to overzealous over draft fees of Citizens Bank, and their systemic ignorance in notifying their customers of the fees. We have 2 accounts with Citizens Bank -- a checking account, and an Equity Line of Credit. The checking account is the default credit  account for the equity line of credit. 1 ) XXXX XXXX we paid off equity line of credit and left it open without any balance. We also called customer service to make sure no other fee is accessed on the checking or equity line of credit. 2 ) XX/XX/XXXX7, an annual fee of {$25.00} was accessed on equity line of credit account and checking account was automatically debited as the default crediting account. 3 ) On XX/XX/XXXX, an overdraft fee of {$35.00} was assessed on the checking account. 4 ) OnXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a service fee of {$30.00} was assessed 3 times on the same checking account for sustained overdraft, for total of {$90.00}. 5 ) However, during these period, the Citizens Bank only sent notification to their own document center, without notifying us in any other ways through email or phone. 6 ) We only found out these charges after they finally sent us a letter onXX/XX/XXXX. As you can see, Citizens Bank work hard NOT to actively notify their customers of the over-draft fees, but they actively and overzealously charging their customers at the same time. The equity line of credit annual fee is only {$25.00}, but Citizens Bank now charges us {$120.00} in overdraft and service fees within 10 business days by piling on various fees. This is outrageous, borderline of a loan shark. Thanks for looking into this.
these people keep calling my cell phone looking for a  XXXX   XXXX . I am NOT  XXXX   XXXX  and I told this "   XXXX   XXXX   '' at extension  XXXX  to quit calling my phone.     She proceeded to tell me I was a liar, and that I am too  XXXX . I told her to quit calling me. She wo n't quit calling me. I keep receiving voice mails after blocking her that state " This message is for  XXXX   XXXX  my name is  XXXX   XXXX  and it is urgent thatyou give me a call back today at  XXXX  extension  XXXX . If we do n't hear back from you today legal action will be taken. '' Make them stop!
I recently conducted a review of my credit report, and I noticed that a fews agency show credit inquiries that I find to be problematic. I have no recollection of doing any business with XX/XX/18 XXXX XX/XX/18 XXXX Dc XX/XX/18 XXXX XX/XX/18 XXXX Fa XX/XX/18 Discover Bank
I made a partial payment halfway through the month, as I fell on some hard financial times. I set up a payment for the end of the month ( to avoid a negative report on my XXXX, as I have been working on a mortgage for about 9 months. ) They reported me 30/60 days delinquent, and dropped my credit score over XXXX points! They said I needed to pay by the XXXX to avoid negative reporting, which I did. They have also been applying all of my payments to interest.. and nothing goes to my principle balance. I have been paying on the car for 1 year, @ XXXX $ a month, and have only satisfied XXXX of the initial balance!!! When I call, they have no record of previous calls, and have been hanging up on me when I call to resolve the issue.
This company has called many of my family members, whom I do not live with, or have never lived with and told them there was a complaint against me, gave them a number and a reference number. I received a message today from them but did not say anything about a complaint or reference number. When I called the number, I could not make out the name of the company and they said their offices were closed. They said if you do n't want your phone number called, to read it clearly. 

They contacted my XXXX year old father, and my XXXX year old uncle. I am XXXX years old and do not live with them.
I have XXXX, now Navient loans from when I was an XXXX from XXXX. I graduated with about 30,000 in student loan debt. Today, that number is over {$55000.00}. The loans were doubled under Navient 's insane interest. My payments began at XXXX a month, today they are over {$600.00} because they continue to jack up interest rates even though my credit has improved since they were issued. I can not make these payments. I called and was told they would be happy to lower my payments to {$400.00} if I agreed to extend my loans to 25 years!!! However, they could whenever they wanted jack up my already high interest rates ( 6-14 % ) on these loans all over again. How is this legal???? The only way they can make my payments that I have always made, affordable again, is to enslave myself further to them.
XXXX XXXX has billed me for a course I signed up for. I paid the money. They later sent me a invoice for additional payment for continuing education. I told them I did not want additional education and they sent it to an outside DEBT COLLECTOR. ( RMS The Receivable Management Services Corporation. I think this is a scam!
i get an automatic deposit from job XXXX, this money was deposited to the rushcard. These funds are being held by rushcard. THEY BASICALLY HAVE TAKEN MY PAYCHECK!
I was contacted by Phoenix Financial Services LLC stating that I owed a debt that was closed over a year ago. I informed them that the debt was paid in full and requested information to forward them proof of debt paid. While I was waiting for the XXXX balance letter and copy of account paid from the original creditor, I submitted a photo of my bank statement showing proof of payment. They did not contact me again until the 30 days was up, or request any other kind of proof. They then attempted to contact us again saying that it was a valid debt. We were advised by the original creditors that Phoenix Financial Services LLC is not a collection agency that they use for collections and that more than likely they were attempting to fraudulently collect information. When I informed them of this information they became combative and told me that the debt was valid and refused to give me information from the company that was requesting the debt paid. I forwarded them the additional documents proving that the debt was paid in full, and they responded by reporting to the Credit Bureaus as a valid debt.