WillisBack/dataset-financial-user-claim huggingface dataset:
Several years ago I put into a web online shopping cart system a class at XXXX ( University XXXX XXXX ), I never fully checked out or agreed to enroll in the course. Somehow they are claiming I enrolled, I never fully completed the online checkout or to my knowledge ever agreed to enroll. It 's analogous to an abandoned shopping cart. It 's simply a case of being an online customer who never completed their purchase.
I received my first contact about a debt collection in process in XX/XX/XXXX. I immediately disputed with the collection company and the original debtor in writing. As of XX/XX/XXXX I have not received a response from my letters sent in XX/XX/XXXX. This past week I had applied with a rental property to move into a new apartment and I ca n't because this collection was placed on my credit report in XX/XX/XXXX. I had no knowledge of the debt collection nor was I given the opportunity to dispute it, provided any of my rights to dispute, and my XXXX credit score when from XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX although I have paid down my personal credit cards and have had no late payments ever since XXXX. I pride myself on my credit and paying all credit card and debt obligations in a timely manner. I was also denied a credit card in XX/XX/XXXX and was n't provided the details of this debt collection except that my credit score was too low. This has extremely impacted me in a negative way and I need to have the collection debt removed from all XXXX of the credit bureaus immediately. I have opened separate disputes with them as well. I appreciate your help and any guidance. Thank you.
This issue was resolved several years ago by anot her Collection Agency.and my self.   This issue began on  XXXX   XXXX ,  XXXX  when someone, not me or anyone I know, impersonated me by going on  XXXX  and applying for a credit card with the last four digits of my Social Security number and a false email account. This was fraud.   With the last Collection Agency I had conversations with  XXXX , the Credit Card Company that uses  XXXX  home page.   I have been with  XXXX  and  XXXX  since  XXXX  and I have only used one email for both of these accounts. This email is "  XXXX  XXXX  XXXX  '' and the one used for this " Fraudulent purchase '' was  XXXX  XXXX  XXXX . I have never used or had an email with hotmail.   I had over 20 phone calls with the previous collection company, including  XXXX  and the Credit Card Company that issued credit in my name.   As I told the previou s Collection Agency, all th ey had to do was to ask the  Camera Company tha t shipped the merchandise, where did they ship it to. I guarantee that it wasnt to me or even in the State of Washington.   Everything was settled years ago, and I was reassured that it was Fraud and we were done with this ugly issue.   Now, I guess my previ ous Collection Agency " sold  '' my information on this claim to " Convergent Outsourcing ''  (   XXXX  #  XXXX   ) w hich are now calling me and my wife during work hours and I hate to have to go through weeks of badgering about consumer fraud. I believed this was  XXXX  red up years ago. Can you please help.
XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in 2016. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.
I went to XXXX 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing on my report multiple payments missing. with paperless statements issues with the website i cant see how this companys can continue to make mistakes with no reproductions. ive even been asking for an combination of my accounts to have a single credit line, with there being no real explanation as to when it will happen or why im having issues in the first place. im asking again for the removal of all missing payments on my account along with a merger of accounts.
I sent Citi bank 3 checks totaling {$430.00}, 2 cut up credit cards and a letter to close my mastercard account ending in XXXX on XXXX. They cashed all 3 checks and closed my account and then lost my payments some place in there system. All 3 checks have cleared check # XXXX drawn on XXXX for {$100.00}, check number XXXX drawn on XXXX XXXX XXXX for {$200.00} and check number XXXX for {$130.00} drawn on XXXX XXXX. All three checks cleared my banks on XXXX. Now they want me to dig up copies of these cleared checks and send them to them because they screwed up and can not locate my cleared checks. They want me to do hours of work going to each bank and requesting copies of the cleared checks. You should note I do not do any online banking for security reasons. They are not offering to compensate me for my time, yet they charge me when ever i make a mistake and send them a late payment. I bill my time at {$350.00} per hour and this will take at least 2 hours to to get them what they are requesting plus i have to pay each bank for the two copies of each check as they want front and back of each check
A speed fast mortgage payment was made on XXXX XXXX, 2016 at XXXX XXXX. by phone, confirmation number XXXX, but the payment was not posted until XXXX XXXX, 2016 because the cut off time was XXXX XXXX. Since there was a 49 minute difference I requested by fax and I mailed a letter to Ocwen to adjust the payment postdate to the correct date of XXXX XXXX, 2016 and remove the delinquency from my credit report, but Ocwen is denying my request. I talked to XXXX agents at Ocwen who both confirmed the payments are shown to be made on XXXX XXXX, 2016. The first agent was XXXX agent number XXXX and the second was XXXX XXXX agent number XXXX.
In XX/XX/XXXX, there was a fraudulent charge on a dormant credit card under my wife 's maiden name ( XXXX XXXX ) that had been dormant since XXXX when we were married. I discovered this charge in XX/XX/XXXX when I received a letter from a debt collector. I called on my wife 's behalf and disputed the charge. It was a {$35.00} charge that had accrued {$130.00} total in charge + late payments. I spoke with capital one on the phone for a few hours, and they investigated it as a fraudulent charge. They awarded in our favor and in XX/XX/XXXX I received a letter stating that they awarded in our favor. In XX/XX/XXXX I received a letter that stated that the account had been closed by consumer. I had received phone confirmation that everything would be taken care of, including the late payments reported. On XX/XX/XXXX, I began speaking with a mortgage broker in order to purchase our first house. He ran our credit, and discovered that mine was a XXXX, and my wife 's was a XXXX. There was a reporting from Capital One that we had late payments of over 120 days. He stated that if I could get a letter from Capital One stating that there were " no late payments and the account has always been paid as agreed '', he could re-score her credit and it should be at XXXX. So, we are offered an interest rate of 4.85 % instead of 4.65 % and our PMI doubles because of our lowered score. This report should have been sent to the credit bureau no later than XX/XX/XXXX, but Capital One neglected to do that. 

So, both " XXXX '' ( my wife ) and I have spent since XX/XX/XXXX every day on the phone for at least 3 hours  asking for this letter. We were promised on XX/XX/XXXX, that it would be 24-48 hours before we could receive this letter in a fax. On XX/XX/XXXX, we were told it had not been 48 hours, so we should wait. On XX/XX/XXXX, we were told that they did not tell us the truth and it would actually take 10-30 business days, but they refused to tell us what the letter would say when we received it. ( It could be exactly what they have previously sent which our mortgage broker told us means nothing ). On XX/XX/XXXX, we reached the Executive Resolution Department who promised us we would have the letter soon, and he would work on it that night. We should expect a call from him one XX/XX/XXXX. On XX/XX/XXXX, after several hours of trying to even be transferred to this person we spoke with the previous day, we were told he was at lunch. We waited an hour, called back, and were told he was in a meeting. We kept fighting and miraculously he came out of the meeting to speak with us. He made promises to get us the letter, but they were open ended. Once we finally broke through to get an actual timeline of when we could receive this letter, he said 60-90 days. We asked for his manager, and he said his manager would call us in 24-48 business hours. On XX/XX/XXXX, we called Capital One and were put in touch with the Fraud Department who told us that they could not speak to us at all. They tried to transfer us to the Executive Resolutions Department who was closed. This should have been handled in XX/XX/XXXX, but they didn't handle it. I need it fixed or I lose this house.
First off, I want to note that I am " escalating '' this to the level of the CFPB immediately as it is directly related to a claim I had to make in ~XX/XX/XXXX-XX/XX/XXXX that ( I 'm finding now ) was incompletely resolved. 

My loan with XXXX entered repayment on roughly XX/XX/XXXX. I signed up for automatic payments on XX/XX/XXXX for which I have email confirmation, including that my first automatic debit would take place on XX/XX/XXXX ( the day the bill was due ). The first bill, however, was for {$50.00} ( more than the minimum I owe each month ) with a {$30.00} late fee assessed. When I asked the company how I could possibly have a late fee assessed on my very first bill generated from them, they actually responded by telling me that they do not assess late fees. When I pointed out the irony of this situation, they insisted that it must be that I had made an underpayment -- until I got them to actually lay eyes on the bill that very clearly labels this extra {$30.00} as a late fee. Finally, I got someone to review the account to determine the origin of this late fee. The first person I spoke to reviewed everything he had -- dating back to XX/XX/XXXX -- and could not find any source of the late fee. Instead of dismissing it, he said he would have to file a case to put it under review. Apparently they tried to contact me some time later, but I do not have record of that contact. In the mean time, I began receiving up to 5 phone calls a day telling me I was delinquent in payments. Today, I finally got someone to review the " investigation '' and she told me that I had late fees assessed ( I believe ) in XX/XX/XXXX and XX/XX/XXXX. In fact, I was still a full time student during that period. 

The way this relates back to a previous claim I have made is that around that time I briefly transferred schools to complete a XXXX XXXX degree " in the middle '' of my XXXX education. In that process, my name was somehow deleted from the national registry of students and all my loans entered repayment at once and began to be harassed literally all day long for repayment having to recount my story at least 5 times per day to deaf ears. It seems to me that this late fee must have been assessed at that time and was never reversed when my case was first handled.
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. O n   XXXX   XXXX   XXXX   this company recei ved a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report
Back in XXXX XXXX, I received a lot of calls from Allied Interstate LLC student loan collection agency. They harassed me during work hours to settle this bill. The rep, XXXX stated that I need to get my wages garnished from XXXX to XXXX XXXX and then I would get the default removed and pay {$5.00} for the remainder of the balance of {$3000.00}. However, I called yesterday ( XXXX/XXXX/XXXX ) because the garnishments still continuing and come to find out by XXXX XXXX, they told me that I never paid, my account still in default and I owe them {$3100.00}. They told me that I need to prove that I paid. This is insane. I had my tax return XXXX intercepted ( {$2600.00} ) to pay this loan, wage garnishment, year to end XXXX ( {$2500.00} ). The defaulted loan is {$4200.00}. This company has never shown me a statement of anything and ripped me off. I please need help! I 'm sure I am not the only one out there.
On XX/XX/2016, a set of loan payments was coming from XXXX to my bank account ( number XXXX ) at Citizens Bank, RBS. I knew that the loans are scheduled to be presented on the account on this day, for a total of {$1300.00}. On the morning of XXXX, I noticed the total payments from XXXX scheduled were greater than I previously expected. I discussed the matter with XXXX. On the morning of XX/XX/2016, the payments are still pending on my bank account, according to the lowest to highest ordering of payments all coming from XXXX. There was XXXX item for the amount of {$180.00} that would make my account negative for the amount of {$160.00}. I expected that the loan payment of XXXX would either paid or return and I would incur XXXX ( XXXX ) fee. 
I discussed the matter with XXXX and made a cash deposit for an amount of {$1300.00}. 
On XX/XX/2016, I logged on the account and noticed all loan payments from XXXX were posted on my bank account from an ordering of lowest to highest payment and my account was negative because of the last loan payment of {$180.00}, But Today, XX/XX/2016, I saw a complete reordering the payments, instead of charging one-time fee of {$35.00} for the highest loan payment of XXXX, Citizens Bank reordering the payment of XX/XX/2016, from highest to lowest and charged me seven ( 7 ) times of a fee XXXX for a total of {$240.00}. I called the Call Center ( XXXX ) to discuss the matter with a supervisor , named XXXX. I pointed that Overdraft Settlement Agreement in which Citizens Bank agreed to post transactions from lowest to highest. I also indicated that the disproportionality of charges of {$240.00} for an insufficient fund for the amount of XXXX. Citizens Bank could have returned the payment of XXXX and charged me a fee of {$35.00} and I would have to present the payment again. Instead, Citizens Bank looked at its best interests, not mine as a customer and charge a total fee of {$240.00}. This situation makes more difficulty my ability to bring my account positive and use my incoming direct deposit to pay other bills. 
I would greatly appreciate your assistance to this matter. Thank you, once again. XXXX
On XX/XX/XXXX me and my wife signed a auto loan with Prestige Financial based in XXXX XXXX XXXX XXXX for a vehicle bought from XXXX in XXXX, XXXX. This vehicle was bought with GAP coverage sold to us ( through XXXX XXXX ) that was sold to us and explained that would pay out the difference still lowed if the vehicle was deemed a total loss by insurance and we still owed on the loan. 
On XX/XX/XXXX, the vehicle financed by Prestige Financial was stolen. It was reported to the XXXX Police Department and two days later it was found, the XXXX, XXXX police arrested and charged a man driving our vehicle with vehicle theft under XXXX law. Our insurance provider XXXX deemed this as a loss from auto theft. After much delay through the GAP provider, they denied our claim stating we invited the act of theft in which we did not. 
There is still a balance owed Prestige Finance but due to job loss we are unable to pay anything to Prestige and we currently are still fighting the GAP provider for not paying out the policy for what XXXX Police Department and XXXX deemed as a auto theft. 
Our complaint is that for about a month, many individuals at Prestige are harassing me and my wife on a daily basis through phone calls, messages, texts and being demeaning and rude and not acknowledging that we are unable to make any payments and that we are still actively seeking XXXX XXXX XXXX to pay out as the policy was sold to us. 
Prestige does not need to contact us daily and it is harassing to us.
I'm not aware of the debt, I never had service at this address. There were several attempts from a XXXX dressed rep trying to switch over, never did due to the fact I was under contract with another service provider that I have been with for the last 5 years I have lived at this address. I have disputed this account with all three CRA and only XXXX  has removed the account. I have sent letters disputing and the collection agency still continues to harrass me about this so called debt that I owe. There has not verification of debt. I would like this remove as it has reflect negatively and not a true perception of my credit history.
After disputing the following account : XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX for months. It still remains and should not be. These two alledged debts have been causing havoc in my personal life. So the reponses I get from these TWO credit bureaus when I disoute it is : Verified and to provide proof. Now as I say this. I pray these bureaus and whoever else actually read. Because I know that what Im sending can not possibly be getting read. First, a CONSUMER ca n't provide proof of anything if it doesnt belong to them. So stop saying that ridiculous tired line. The COMPANY supposed to contact the consumer first then provide proof and verify a debt the consumer is disputing, before even placing on anyone 's credit report BY LAW. XXXX nor Experian is not verifying these alledged disputes. For it is easier for them to send the same written response WITHOUT a little bit of effort to investigate. Apparently these two bureaus need a new investigation team who actually works. It has also been clear to everyone that the credit bureaus even work with these companies and give them information if they do not have it to properly verify the account. Which is ILLEGAL. It 's so funny how a company have nothing about you and all of a sudden they have it. And these companies specificially told me, that the bureaus gave them date of birth, address and proper names. Wow! Amazing. Talk about breaking the law. So I have contaced my local Attorney general office, state rep and an a attorney. I have no proof to provide showing anything because it 's not mine to begin with. Neither one of these companies have never contacted me before this was placed on my credit report nor have they contacted me or sent any proof after placing these alledged debts on my credit report. I ca n't come to grips with how easy it is for a company to add a alledged debt that is not mine to my credit file. And it 's XXXX for me to get it off. These alledged debts has not been verified at all. There is no tracking info, no trace of any mail coming from these companies according to XXXX  Nothing! However this is still on my credit file. Something has to be done with these credit bureaus not doing there job. It 's no possible way. The bureaus need new investigation departments that actual follow the law and work. Its so many consumers daily disputing incorrect debt till the credit bureaus are not doing there job correctly. XXXX  is the only one that I can say is doing a job well done. Neither of these debts are on my XXXX report because the companies did not have proper demographics and never sent proof to verify debt. So it was removed in 30 days. This is the exact reason they are trying to pass a law, not to be able to sue the credit bureaus. Because the credit bureaus are breaking the law daily. But I have signed the petition not to pass this law. Why would we need a law in place if the bureaus are following protocol. Because they are not.
This is not an issue with closing an account, per se, but the form didn't have a more applicable option. 

In XX/XX/XXXX, I submitted a complaint with the CFPB ( case number XXXX ) because Bank of America was emailing me with information about another customer 's bank accounts. Over a year later, and after numerous direct complaints, they continue sending me emails about that customer 's bank accounts. My name is XXXX XXXX, and I regularly get emails addressed to XXXX. In the most recent email sent on XX/XX/XXXX, I see that XXXX recently had a customer service call with XXXX at Bank of America.
This complaint is in reference to our buyer 's Lender US Bank. We are in the process of selling our home and had an agreed closing date of XXXX/XXXX/2016. The buyer 's lender ( US Bank ) has been extremely difficult to communicate with and has not been forthcoming with requirements of the seller to close the transaction. We were just notified on XXXX/XXXX/2016 ( the day after the initial closing date ) that the lender is requiring repairs noted on the original Inspection in spite of what we ( the seller ) and the buyer agreed upon. We are being told it is due to the lender being overwhelmed with loan applications and not able to process them in a timely manner. The Inspection was performed on our property on XXXX/XXXX/2016 and we are just now hearing about the repairs being required one month later. Now the lender has extended the closing to XXXX/XXXX/2016 which places us in a bad position as we have already vacated the premises and moved into a rental. This is terrible banking practices on US Bank 's behalf. If they can not handle the magnitude of mortgage loan applications they are receiving, then they should have the decency to stop accepting applications until they can handle them instead of inconveniencing sellers for their lack of staff and the ability to close a transaction within a timely manner.
A company has called me from Halsted Financial regarding a debt which I did not take out it was fraud, someone used my name and social. This debt is some kind of future bill in XXXX I did file a police report in XXXX but now live in XXXX and can not obtain a copy of it but it is filed and if needed they can contact the police department. 

This is NOT my debt
I occasionally use my Ebay account to purchase items over the internet. Since I 've had horrible results with Paypal in the past, I 've set my Ebay account preferences to always default to using my XXXX XXXX as the form of payment. 
On XXXX XXXX, of last year I purchased XXXX, minor sewing machine parts from a single vendor, via Ebay. The order totaled {$38.00}. I made a payment to my XXXX card to cover it, and thought it done, until this week. 
I received a paper statement from Paypal, telling me that only XXXX of the items was charged to my XXXX, and that the other XXXX were charged to Paypal credit, totally unbeknownst to me. I do not have a Paypal credit account, never wanted XXXX, and never agreed to the terms of XXXX. They 'd been charging me 100 % /month late fees, for three months, and that my account was now overdue, and I now owed over {$100.00}. XXXX one hour phone calls with Paypal, and XXXX with Ebay, failed to rectify this, with Paypal insisting I pay the total balance now due. 
I refused, and sincerely hope you stop Paypal from using it 's insider/subsidiary position as the processor of Ebay credit card purchases to poach credit customers from other, legitimate credit card companies.
I have been using rush card for almost 5 years happily until XXXX XXXX. At that time a software glitch became a nightmare. On a trip to XXXX XXXX for a work conference I was embarrassed when my card declined a transaction that I should have been able to afford easily, from there I suffered the continued embarrassment of having to rely on my co workers to finance my expenses including a ride home to the air port. Till this date I still do not have access to my funds. I have been reduced to borrowing money from friends and family to pay for basic expenses. Numerous calls and emails to this organization have gone unanswered. It is as if my money has disappeared. It is XXXX XXXX and I still can not acces my funds.