WillisBack/dataset-financial-user-claim huggingface dataset:
I opened an card account wit Walmart in XXXX. I made my payments loyally until I lost my source of income in XXXX. When I learned I would be facing financial hardship I called Walmart Card services ( also know at the time as ge Capital ) and informed them of my circumstances and that I needed to activate my ( i.e enable ) the credit card protection program but was told that I was ineligible because I did n't have a job or by their logic a way to keep up my payments which is the reason I contacted them to being with. Thus I paid for a service I was never able to use. Somewhere along the was my account was sold or transferred to synchrony bank. So I attempted to call them after being harassed at work, at home and anywhere else I had access to a phone to resolve the debt set up a payment plan. I literally spent hours calling 'synchrony bank ' which is customer service for the card. Every single time I called I got the same automated response saying, " I 'm sorry we are not taking calls at this time. '' I called at least XXXX different phone numbers I had located for customer service and every number sent me back to that same message. I was only able to get through by contacting the fraud department ( after being on hold for over XXXX minutes ). I was then transferred to a line of synchrony bank that FINALLY PICKED UP. The man then proceeded to tell me that my account had been sold to a collection agency. He could not provide me the date this happened, or even the amount I owed. I ended up utilizing my free credit report from XXXX to see what company was reporting debt on my credit profile and saw tat my Walmart/synchrony bank/ge capital card ad been sold to XXXX. So I disputed the information reported on my account for the reason tat my original payment/hardship plan was supposed to take over payments for my card but never did. Now I am strapped wit a debt that should have been taken care of by a hardship/payment plan and that was sold without my knowledge or consent to a company that refuses to compromise with me. I am trying to et my life on track and was accepted into rad school but part of my aid package was denied because of adverse credit history reported by these companies. If synchrony/ge bank, XXXX and Walmart were never willing to work with me to repay my debt I am not sure how I was supposed to clear up this mess. There is no way I owe as much as XXXX is reporting if a program that was supposed to help me should have taken over the payment for my card until I got on my feet.
I 'm XXXX years old and my junker XXXX XXXX XXXX goes up in smoke on the side of the highway. It 's XXXX and I have n't been able to find work since XXXX because of College. I have no money in my bank account, and awful credit. In desperate need of a car I walk myself into a XXXX dealership and tell them I have absolutely no money and need a car. With no work history, no money, awful credit, and at XXXX years old they approved me for a 36-month loan for $ XXXX, {$21000.00} for a {$13000.00} vehicle. I 'm almost XXXX, can barely afford to take even XXXX or XXXX classes a semester a the XXXX college, absolutely can not afford this car without starving myself and living in it. I am willing to return the car but I feel taken advantage of and I can not deal with this loan.
I have filed complaints with absolutely no results from any government agency - OMB CONTROL # : XXXX I am owed {$320.00} by PayPal for purchases made on XXXX, transactions that were cancelled because two XXXX vendors did not have the items they took my money for, and PayPal claims the refunds were issued. My bank however has never been able to see even one cent refunded to my account such as PayPal claims. XXXX XXXX XXXX XXXX - routing number XXXX - no refunds as PayPal claims in written receipts. XXXX customer service does nothing - PayPal does nothing - the BBB did nothing - the CFPB has done nothing - The FTC does nothing - so you tell me how am I to get my money back, when nobody ever acts or does anything to get it for me?
On Wednesday, XXXX/XXXX/16, I received a call from, XXXX XXXX, a representative of Performant Technologies , Inc . The call was in regards to a past due balance on my student loan. I believe that the representative infringed upon my privacy and confidentiality rights and also violated the FDCPA. Before identifying who I was, she disclosed the amount of my past due balance and attempted to resolve my negative balance. She simply asked for me by name and went into details about my account. After discussing my account in detail, she asked me to verify my address, which I believe was her attempt at verifying my identity ; however, this does not adequately verify that she has the correct party. She also never disclosed that she was a debt collector when she was directly asked if she was. She used deceptive collection practices to coerce me into resolving my overdue balance. This phone call was full of FDCPA violations. I finally agreed to a forbearance and I 'm not sure if she even processed the forbearance for me.
I have been dealing with GC services since XXXX. I have always managed to pay my traffic tickets. Since XXXX I made payment arrangements and showed them financial hardship, made a deal that I will pay {$50.00} a month, but they have ignored this and as the result my credit score has been ruined TOTALLY. I HAVE SPENT LONG TIME ON THE PHONE WAITING AND RUDELY THEY HAVE JUST HUNG UP.
There is a delinquency on my credit report which is not mine and this needs to be removed.
After the fraud was uncovered at XXXX - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. XXXX just plain makes their web site inoperative. I need an answer now.
The organization Army Air Force Exchange Services ( AAFES ) claims I owe them {$250.00}. I have never had any previous credit or debt with AAFES. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency XXXX XXXX. As of XX/XX/XXXX a letter states that I owed {$250.00}.
On the XX/XX/XXXX, one guy stole my wallet, he swiped my credit card twice. One for XXXX {$210.00}, the other one for XXXX {$840.00}. Then i called the police and also i called the bank to freeze my credit card. After a few days, bank of America refund money for me. But!! on the XX/XX/XXXX, the bank charged me for same amount again. I tried to called ed the bank. But everytime i need to wait half hour over on the phone line. Yesterday i wait one hour and half on the phone line, finally they answered me. And then the bank need me to provide additional information to support my credit card was someone stole. Ok. i faxed for them about my case number from policy and policy card. But they still not resolve my problem. Just let me wait .. So i want to know how can i do. Can i complaint Bank of America service?
National Credit Adjusters called and stated that I owed XXXX debts and that they had been mailing letters to me, but the letters were mailed to an address that I have not lived at for 20 years. I ask them to mail the information to me but the refused and stated it will be going to court instead, I informed them of the wrong address and to mail them to the correct address again the rude lady stated she could not and that I needed to pay them now or they will send the information to court. She tried to give me information but was stuttering and rambling and again demanded immediate payment on the debt and still refused to mail the information. The lady was very rude and mean, it also appeared that she was not even ready, she kept rambling off my old address and my driver license number, I thought I heard her say something about arrest warrant, my never stated any solid facts.
During the XX/XX/XXXX-XX/XX/XXXX I was the guarantor for an apartment for my college bound niece. In XX/XX/XXXX, my niece moved from one apartment to another within the same housing development. I was unaware of this as I did not sign as guarantor for the XX/XX/XXXX-XX/XX/XXXX year. On XX/XX/XXXX I received a collection notice from a collection agency informing that there was an outstanding balance of {$270.00} owed to the housing development. There was no explanation of the charges, only the amount due. The letter also indicated that it was a final notice ; yet it was the first that had ever been sent to me. The letter stated that full payment needed to be received by XX/XX/XXXX. With one day left to get information about this letter, I immediately called the phone number provided. When I asked why this debt hadn't been collected prior to my niece moving from one apartment to another, the agent had not been aware that a move had occurred. My issue is that before my niece signed a new lease and moved into a new apartment, any outstanding debt she owed should have been collected. It was the error of the management company to allow her to sign a new lease, then a year later try to collect on this debt and not inform me prior to this final collection notice. I was very upset and requested proof of this debt in writing. The agent also became very upset because I expressed how little she knew about the account for which she was trying to collect this debt, and she transferred me to her manager. I refused to explain the entire situation again and just requested proof of the debt in writing once more. The XXXX asked for my e-mail address which I provided for her and the call ended. On XX/XX/XXXX I received an alert that my credit score had decreased by XXXX points. I was never given any notice of this debt prior to this single letter. My credit score was decreased before I had a chance to review proof of the debt which I didn't receive via e-mail until XX/XX/XXXX ; 7 business days after I had requested it.
PHH Corporation will make repeated calls " Robo calling '', so when I pick up no one answers, they pick up one time and had a real person. These calls are in reference to a {$60.00} escrow that was tacked on and we were not notified by mail or e-mail so they started the harassing calls the next day.I 'm on the do not call list and registered a FCC complaint as well.
From XXXX XXXX, XXXX to XXXX XXXX, XXXX I was XXXX, durring these dates i had an account with netspend corporation where SSI benefits was being sent to. My account was used and funds spent out. In XXXX XXXX after being sent to an XXXX i found out they were spent illegally. I file an complaint against all transactions made durring that time ( dispute ref. # XXXX ), netspend only creditted {$600.00} to my account in XXXX, XXXX out of the {$1300.00} `that was sent to me from social security administration for two months ( $ XXXX/mo. ) that was spent out. I continue to call and request for the rest thats owed to me and they either tell me thats all they can verify spent but where no money in my account or they hang the phone up. Last contact where the call was hung up was XXXX/XXXX/XXXX at XXXX XXXX.
This debt collector, using the name XXXX, has called my place of work on numerous occasions after being told that I do not consent to him calling me at this number. The debt is not even in my name, it belongs to my boyfriend XXXX XXXX. When I told him not to call my job anymore, he told me that he is aware of the law and that he does not need my permission to call.
Netspend offers to allow customers to refer a friend to get a Netspend card and after their friend makes {$40.00} in deposits onto the prepaid card, both people are supposed to get {$20.00} each deposited onto their cards. I e-mailed the link to my domestic partner who does not have a bank account due to losing employment and having ruined credit in the wake. He clicked the link to their site and completed the application XXXX times before giving up because it had been weeks since he applied and the screen told him that his card would be here in 2-4 weeks. 2-4 months later, he decided to try to just go in through my account online and order himself a card. They linked his card to my account and we called Netspend customer service for assistance to get him the card I had sent him a referral for. The new card had to be cancelled and he was sent a different card that is his own account independent of mine. We called them this morning to inquire about our {$20.00} deposits that have not shown up ( that we could really use to help us pay the rent this month ) and they said that he did not qualify for the program because I could not have referred him because he got a card the same day I did ( referring to the XXXX linked to my account that I did not add anyone to at all! ). We spoke with a rep and a supervisor and they maintain that XXXX has been a customer longer than me and that he is not eligible to be a referral of mine. It is just frustrating that this is where my paychecks are going to now and these people are idiots, saying XXXX purchased his card from XXXX XXXX. He did not! It is the XXXX and only card he ever received from his inquiries from the referral program that XXXX of their idiotic employees sent to him. He never received any other cards on any other accounts and I never even authorized him as a user on my account. I just happened to be logged into it XXXX time when he was trying again to reapply for the card that never came. We were on the phone with them for over an hour this morning just trying to get the referral money promised by their ads ( because we are poor and need it that desperately ). XXXX has gone through so much hassle with all of this nonsense and explained it to the rude woman on the phone today. We did everything we were supposed to for the program, but never got the money promised. The lady said it could have been their software/internet issue, but refused to manually credit the reward fund to either of our accounts. After all of this trouble, I sure wo n't be referring anyone else there, that is for sure.
To Whom It   XXXX   Concern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to reques t one.  Before, this never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   tire of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!
I was a victim of ID Theft in last 2017. I contacted all the credit bureau 's and Equifax is the only bureau refusing to comply with Federal laws, after I sent them a copy of ; 1. Fraudulent Student Loans Accounts Reporting on Credit 2. Copy of police report 3. FTC Identity Theft Victim 's Complaint and Affidavit 4. Letter stating the accounts are fraudulent Equifax, did not verified the accounts within the allow time ( 30 days ). They sent me a letter dated 45 days after my request for them to block all fraudulent accounts. Equifax refused to accept my documents and refused to provide me any proof of the accounts. 

I am a victim and they are trying to treat me like the criminal and I am unable to move on with my life because of this.
I did a background search on myself and realized that information that should have been removed has not. 
I provided the company with copies of my court order expungements. 
Please see the attached documents.
on XX/XX/2018 I tried accessing my online banking account with Bank of America. My login credentials did not work. To avoid locking my account, i tried to reset my password. After giving my debit card and SSN details, I was then given a message that i no longer had online banking access and to call customer service. I called customer service and I can not get in contact with a human being. I keep being asked for a card number, and then Im told the card number does not exist. The automated system refuses to connect me to a human being. That last email I received from Bank of America was on XX/XX/2018. I have not since been in contact with Bank of America nor have they tried to contact me regarding the status of my account.
False inquiry about a collection debt from  XXXX   XXXX . That I never signed or gave my social security to them. Yes I 'm claiming fraud on this collection!
Planet home lending XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
Called Hawthorn Recovery Services today, XX/XX/18. I told them I only owed XXXX because my original debt was paid XXXX dollars before they sent me to collections. I asked the drs office where the money went and they don't know. They won't give me my money back because they don't know what account it is in. I have disputed this with my bank and they have told me it can take 120 plus days to even get an answer! Mean while, I call Hawthorn recovery services tell them it is the wrong amount owed and i think it is unfair of me to pay right now. The debt collector tells me " well that's fine it will sitting in collections, lowering your credit score, and gaining interest '' might i add this is a medical bill! A medical bill gaining interest! Also the drs office agreed to give me 12 months to pay off my medical bill and only gave me 4 then sent me to collections!
several inquires on report that are unrecognized, plus they are none account holding inquires thats not from an employee orinsurance. 

XXXX XXXX XXXX XX/XX/XXXX unrecognized inquiry XXXX XXXX select XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXXunrecognized plus none account holding inquiry XXXX XXXX XX/XX/XXXX unrecognized plus none account holding inquiry XXXX XX/XX/XXXX unrecognized plus none account holding inquiry XXXX card XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding ive filed several disputes asking for proof of inquiries but only got a response back that they were confirmed
Wells Fargo did XXXX unauthorized credit inquiries of our credit reports. We have emailed and called to have this corrected and they have not corrected the problem. The employees involved are XXXX XXXX, XXXX XXXX and XXXX XXXX.
Below is from my credit report stating that I owe when I was already moved out I called the apartments they tell me that its not them and that they can not take it back. Everything below this statement is in error and I hope you can help. Please and ty in advance. 
XXXX XXXX XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$850.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$850.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1900.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1900.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1900.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
I only borrowed {$300.00} and have made 8 payments of {$75.00} and they are saying I still owe {$150.00}. I don't think its right. All American Loans located XXXX, Oklahoma
This firm calls me several times a day at work claiming I owe a debt that I have never even heard about. I requested a validation of debt in writing and requested they cease calling my place of employment. They continue to call and have not provided a validation of the debt.
I submitted a check for the XX/XX/XXXX payment to Ditect on XXXX-18. The check was in the amount of {$270.00} but was never posted to my account. I have talked to several Ditect reps about the issue and faxed in proof that the check was processed from my bank. They have failed to apply it to the mortgage account. According to one Ditect service rep, issues like this happen often. I fear that this has happened to many of their clients and they are taking advantage of other customers.
Had a privacy issue when applying for a vehicle loan through XXXX ( TCF Bank ). I got a call from the funding specialist because apparently they did not get all of the necessary information from the vehicle dealership. I was asked many questions over the phone, many of which were on other parts of the application. I was okay with this. However, there was a document missing that required my signature and my driver 's license was too dark so they needed another copy. I was emailed the document that needed to be filled out and signed. All good so far. Now comes the issue. They do not use secure email and for convenience sake, they allow a text to their manager to send the documents in. I was n't happy with either choice, so I sent it in by text because I did not have scan capability readily available. I sent a picture of the completed documents to the finance institution along with a copy of my driver 's license. Got a text back minutes later saying, wrong number. This upset me. 

I called the finance specialist back, and after a little research, he figured out he gave me the wrong number. I just sent a credit application with my SSN, DOB, employer, income, a copy of my driver 's license, and all the information needed for credit fraud. A finance institution did this to me. This upsets me greatly and according to the finance institution, there is nothing they can do but call the individual back that I sent my information to and ask him to delete it. This makes me feel so much more safe. I just put my information out to be used or sold to a complete stranger.
XXXX XXXX in interest so far just got in trouble with too many payday loans and now almost all my check is going to pay these things off I can no longer pay these fees and interest any longer and have told them not to call my employer but they do HELP!!!!!! these companys need to stop doing business in massachusetts
XXXX XXXX XXXX XXXX verified that I applied for a credit card 12 years ago that was never issued to me. A review of my credit report shows that XXXX reported derogatory information on my credit report that does not belong to me, which is impacting my credit report and hindering me from obtaining employment. 

I spoke to several representatives that have confirmed no credit card was issue, but I am unable to get them to provide a written statement confirming that there was never issued to me and that it was fraud or an error by XXXX XXXX XXXX XXXX. 

I am requesting a written statement confirming that there was never a credit card issued to me and that it was fraud or an error by XXXX XXXX XXXX XXXX. 
I need this information immediately, for my background check to move forward.