WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I learned of the Equifax data breach. Not from them directly but from a news service I subscribe to. When I checked the website provided ( https : //www.equifaxsecurity2017.com/ ) I  learned that Equifax believed my data had been among the millions stolen. It was suggested I sign up for one year of free credit monitoring and would need to do so on XX/XX/XXXX. I was not going to be sent a reminder and if I missed my assigned date I would not qualify. After much research I decided my best course of action was to Freeze my credit on Equifax, XXXX, and XXXX. The best I was able to accomplish was 90-Day Fraud Alert with XXXX. I am furious that a company that took it upon itself to make a profit by collecting and maintaining credit data about me WITHOUT my approval was not able to protect that data.The phone numbers provided by Equifax ( and the online Freeze/Unfreeze form ) would take all my information and then inform me it was unable to process the Freeze. Then only provided by phone the mailing address I could submit my request to, read so fast that after 3 repeats I  gave up trying to write the information down.
I believe that I was charged or enrolled in Watch-Guard Preferred which is a wallet protection program that was previously offered by Citibank N.A . without my consent or knowledge.
This debt of {$76.00} was paid in full to XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX, DE. XXXX. They forwarded my bill to Transworld Systems Inc. for collection and failed to inform them that I had written the final check of {$76.00} and mailed it to them. It was cashed and I assumed the acct. was closed. I checked my credit report and I see this debt was never reported as paid in full and therefore still shows up as unpaid and OPEN. I need to get this collection acct closed and off of my credit report.
Please remove any fraud alerts or remarks from my credit. It is preventing me from establishing instant new credit.
Five or six months ago, I noticed a monthly overdraft fee of {$12.00} on my simple Bank of America checking account. For the last three months, I 've been asking my bank to stop the overdraft fee ( remove the overdraft protection from my account ) and explain the $ XXXX monthly maintenance charge. I 've gotten no explanation for either, I 'm just told that the bank can not do anything about it, and I 'm still incurring both fees.
A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to XXXX experian and XXXX on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.
I opened a new Citibank checking account on XX/XX/2018. Part of the terms of the new account was a {$400.00} new customer promotion for depositing $ XXXX in funds to the account and maintaining the balance for 90 days. I did this immediately, the funds hit the account on XX/XX/2018 and were maintained for >90 days. At that point, I was told by a customer service rep at the end of XXXX that I had successfully fulfilled all of the terms of the promotion and should hear shortly about the bonus. On XX/XX/2018, I received an email from Citi noting that I had indeed fulfilled the terms of the promotion and would receive the {$400.00} in the next 30 days. I waited until XX/XX/2018 and did not see the funds deposited to the account. I then reached back out to customer service to inquire and was told that an dispute was filed and that I would hear back shortly. I still have not heard anything back from Citi and have not received the promotional offer. After searching around the internet a bit, this seems like common practice from Citi.
XXXX keeps sending me shoes I did not order. I return them and they do not always credit my Visa account. Also they claim to have not received some returns using their own preprinted labels. Their shoes pop up on my XXXX app.I have contacted Visa about the various charges and am submitting what proof I have.
EQUIFAX REFUSES TO SEND ME NEW YORK STATE SECURITY FREEZE PIN NUMBER. 
EQUIFAX DENIES ME FREE ANNUAL CREDIT REPORT.
I was sent an agreement to reduce garnishment withholding but the amount I owe was n't on the notice. When I called the rep could n't give me the exact amount of what I owe and break down did n't add up.
Upon examination of my credit report I found an item listed to  Enhanced Recovery Company in the amount of {$520.00}. I disagree with the item and so sent a letter vi a certified mail on  XXXX   XXXX  requesting validation of the debt bearing my signature. I received no response from this correspondence and so sent a follow up letter on  XXXX   XXXX ,  2017 . To date, I have still not received any response from my request. It is my belief that this failure to provide information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not validate.
The judgement entered by the court was {$4600.00}. They have already garnished {$5100.00}. 
They continue filling new adjustments to the garnishment order with the incorrect amounts owed. They have alternated collecting on 2 separate judgements to increase interest owed and cause confusion. They have " misplaced '' money that was garnished from my wages and have no intention of correction. They refuse to provide any information on why the judgement has not been satisfied.
I am disputing the validity of your attempt to collect a balance as it has already been paid. 

My HSA plan, XXXX XXXX, paid this in XXXX XXXX for a service from XXXX delivered in XXXX XXXX. The debt of {$23.00} was paid in a timely manner, but XXXX is having an internal issue with posting the payment properly. 

I also called XXXX on XXXX/XXXX/XXXX to dispute the bill and had a conference call with my representative at XXXX XXXX, XXXX, as well as XXXX from XXXX XXXX. XXXX provided XXXX the virtual card payment authorization # XXXX and confirmed that XXXX processed the payment on XXXX/XXXX/XXXX. 

I then called AGAIN on XXXX/XXXX/XXXX to XXXX after receiving another statement, and spoke to XXXX. She told me that she saw a note that the Deposits Department was investigating the missing payment and she was sending them another message to get an update of the status. 

I have not received another bill since this time, so my assumption was that they found the payment and applied it to the account. 

It is now XX/XX/XXXX, which is 16 months later, and I am being contacted by another collections company about this same debt. I called the company, American Medical Collection Agency, today and advised them that this has been paid, provided a copy of the HSA statement showing the deduction of funds and the background information presented above. 

This is unacceptable to continue to be harrassed for a small dollar bill that has already been paid in a timely fashion.
On or about XX/XX/XXXX I mailed a letter Systematic National Collection ( SNC ) in regards to a {$390.00} collection that they posted on my credit report. My correspondence was to try to settle the aforementioned collection. I did not receive a response via mail, but they were still sending me a bill threatening to report the debt to all collection agencies if I did not pay. A few months later, I received a call from a SNC representative named " XXXX '' ( no last name was given ). During our conversation, he stated that they had received my letter but could not accept the amount I had offered to close the case. I explained my financial situation and how difficult it would be to pay. He stated that the best they could do was to waive any interest fees but I would still have to pay the full {$390.00} in order for that to be removed from my credit. With that in mind, I sent SNC a payment of {$390.00} ( as it is the amount shown on my credit report ) on XX/XX/XXXX. On XX/XX/XXXX, I called SNC to see if they received the payment and check on the process of removing the collection from my credit. I spoke with " XXXX '' who admitted that they had received the payment but went on to say that it was n't the full amount and that I also owed interest. He claimed that the amount on my credit report XXXX {$390.00} XXXX and what I paid XXXX {$390.00} XXXX were different and on top of that I still owed interest. He would n't let me ask questions to help me understand and threatened to hang up the call ( which he ultimately did ) because " I talked over him ''. I called back a minute later and spoke to a different representative and tried to explain the situation to no avail. That representative stated that there were no records of " XXXX '' offering to waive the interest fees and remove the collection from my credit if I paid the full {$390.00} amount.
I have filed for forbearance, and also tried to report that I am XXXX now. I now received a letter from a collection agency without any notice from Navient.
XXXX has tried XXXX times to take me to court. 
XXXXThe XXXX time was in XXXX where the attorney for them was XXXX XXXX. XXXX XXXX hounded me and violated the FDCPA, and I sent him a cease and desist letter through an attorney. The attorney later left the case citing there was n't enough information to follow through on FDCPA claims ( I later found out I have a phone recording that verifies my statements and shows that the FDCPA was violated ). I went to the courthouse on XXXX/XXXX/XXXX at XXXX XXXX to no other parties and was told that the case was dismissed. 
XXXXThe XXXX time was in XXXX and the case number is XXXX. This was in XXXX after not following through with the lawsuit in XXXX, where I have stayed since XXXX. I was told by my father that a sherrif attempted to serve me papers at my parents house in XXXX of XXXX, my father told him that I do n't live in XXXX and the sherrif truned around and left. This time I recieved no notice in the mail about this lawsuit, aside from letters offering me representation from XXXX. When I called the letters back, I was told that since I live in XXXX, I ca n't be represented by them because they are in XXXX. 
XXXX XXXX of XXXX I recieve another letter in the mail from a lawyer offering me representation concerning a case against me. I was told a lawsuit was filed yet again by XXXX, but I had n't recieved anything in the mail. I look the case up ( again only off of information from mail that could be considered an ad ), and see the the hearing is scheduled for XXXX of XXXX. I start seeking representation to surmount a defense against this predatory lender, and while in the middle of this I recieve a letter on XXXX XXXX, XXXX saying that a judgement has been entered against me. 
1. I was n't properly served papers at my house for the most recent case, despite recieving the notice for the other case at my house from the same lender two years ago. 
2. This lender has used collectors that violate the FDCPA and have harrased me for years. 
3. The co-borrower is my mother, who passed away in XXXX. While my mother 's estate was being settled, my father and I recieved an offer from XXXX to settle the loan for {$7000.00}. When we were willing to take the offer, XXXX pulled the offer back after having adknowledged the fact that they initiated the settlement talks. This led to my father saying he will not help me with my student loans and XXXX starting these predatory tactics. 
I do not have the money to settle this matter, nor do I make enough the satisy the minimum payment. Everytime I speak to them and tell them my finances, I am told that I am lying about my finances and that I am living in poverty. If I am in poverty and I am telling you this, how am I lying? 
I do plan on paying these loans back, however I am not able to at the time. The job market is rough and dealing with these lenders are preventing me from devoting my energies on finding a job.
I made a Customer Access Request and provided the appropriate documents however I was never provided with the detailed documents ( See attached page XXXX ) I anticipated receiving such as : 1 ) Banking Security Code Authorization approval document receipts authorizing the specific transaction ( Indicating the Date and Time of authorization ) Card Purchase Date XXXX/XXXX/2016 ; Posted XXXX Checking Account XXXX/XXXX/2016. 
2 ) The Name of the Individual who was supposed to receive the funds XXXX ) A Copy of the signature release form from the vendor who released the funds to the intended receiver. 
What I received from Western Union are shown on pages XXXX and XXXX of XXXX pages ; and if you notice XXXX/XXXX/2016 was not even listed on the Western Union documents provide me. 
I contacted Western Union concerning the error within the provided documents See page ( XXXX ) of ( XXXX ) pages for specific details. Pages ( XXXX ) thru ( XXXX ) of ( XXXX ) pages shows details of follow up attempt inquiries as to wither or not I would be provided the original requested documents. 
I may have spoken with Western Union one time since XXXX XXXX, 2016 concerning this issue and conceded to file a follow up complaint with the CFPB.
My wife and I have had an auto policy with XXXX XXXX XXXX for over 20 years and have had an excellent record.Last month, as shown in the attached letter, our rates were raised based on a report from Lexis Nexis Consumer Center ( LN ). We disputed the rate increase, and were told that if we got the LN report, the insurance company may be able to make an adjustment. This seemed fair. 

However, we have NOT been able to get anything from LN, except corporate stonewalling and rudeness. The only time LN is even half-way nice is when they want to sell us products that we do n't need as XXXX. Today alone I was on hold for over 20 minutes, and was transferred several times. 

We are paying higher insurance costs as LN has failed to provide requested information. As we ca n't get the bad data that LN has sent in, we ca n't begin the process of correcting LN 's errors. 

LN appears to be breaking several consumer protection laws, such as the Fair Credit Reporting Act, and title 5 of the Fair Trade Commission Act- which are UDAAPs, as LN seems to be engaging in Unfair, Deceptive, and Abusive Acts and Practices. We think that LN is also engaged in wire fraud, as LN is sending inaccurate data to insurance companies using the Internet across state lines. 

We also are concerned that LN is reporting to XXXX, a credit reporting company under a Consent Order by your Agency, data on a judgement from XXXX XXXX XXXX which does not have a Certificate of Authority ( CoA ) in Indiana where we live, and without a CoA this bank had not legal authority to file anything to obtain a judgement. XXXX Consent Order requires that they check for these kinds of errors, by XXXX also uses LN. There are other errors that we know about stemming from LN. 

In summary , LN may well not want to give us the requested data, because in doing so , LN may be exposed to multiple violations of consumer protection laws.
Wells Fargo opened a credit card in my name without my permission. I want all accounts closed.
I was never late in paying this account. It should be positive. Any negative history needs to be deleted as I always paid this account on time each month and it closed on a positive note ( Transferred to another company but completely paid off ).
XX/XX/2018 CAPITAL ONE PHONE PYMT XXXX XXXX   This is showing you what it looks like in my checking account which only is Social Security XXXX XXXX. Capital One took money without permission and I thought my funds were exempt. Now I am overdrawn, my account is frozen and I can not pay my bills or get groceries to eat.

They are from HQ Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX   Please help me. I am I destress.
Loancare of XXXX XXXX Va has held on to escrow funds that were owe to me since XX/XX/2018. As of XX/XX/18 they still have not paid me and are giving me an excuse that it is taking a while to process. I have called 6 times and have been given the run around.
TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below 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 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/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/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/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 XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX
Capital One now requires login with personal information including social security number. 

This is an extraordinarily bad idea. 

Anyone could set up a similar site and grab personal information.
They had a breach in security that directly affected me. They have mishandled the situation and I feel that my information has been compromised without a valid response. According to the Equifax website I am at risk.
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

THIS IS NOT MY DEBT!

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
On XX/XX/2019 I emailed my authorization to take my loan payment from my XXXX account. LendingClub sent an email that it would be taking from XXXX and account I had previously asked them to not use. I will include all emails. I called the LendingClub and more or less what told its my problem. This company has extremely unethical business practices. I see that the FTC is quite aware.
In XX/XX/XXXX I purchased a TV on contract from USA Discounters, I was laid off a few weeks later. I was unable to meet the agreement and defaulted. USA Discounters began to harass me thru phone, email, and third party contact. I mailed a cease and desist letter in XX/XX/XXXX as well emailed and verbally informed then of the XXXX XXXX XXXX. Then then Sued me in XXXX a state that I have never lived in nor been to. For the last 5 years now they continue to harass me, friends and family in a attempt to have me pay for the loan. Today XX/XX/XXXX XXXX XXXX with USA Discounters / USA Living. called a third party friend to reach me, also back in XX/XX/XXXX they called the same third party and openly discussed the account with him. I called today XX/XX/XXXX USA Living to discusss why they continue to not fallow the XXXX XXXX XXXX order, I spoke to XXXX XXXX. He claimed there was no XXXX & XXXX on file but did acknowledge the emailed XXXX & XXXX as well as the verbal XXXX & XXXX back from XX/XX/XXXX as well as USA Discounters releasing private account information to the same third arty they called in XX/XX/XXXX he said it on in the notes in the file. I again claims that they will not call me or any third parties again, but I have been told that over XXXX times and it continues to happen.
In XX/XX/XXXX, I chose to begin working with a debt management company XXXX XXXX XXXX. XXXX sent proposals to all of my creditors and were able to work out payment arrangements with all of them including XXXX XXXX. XXXX XXXX was going to be paid XXXX XXXX monthly until the account was paid off. These payments were made every month from XX/XX/XXXX until the account was paid off recently. However, in XX/XX/XXXX, four months into the payment plan, XXXX XXXX reported my account as being 30 days past due. The following month in XX/XX/XXXX, XXXX XXXX then updated my account to show that I am not past due at all. However, they were only paid $ XXXX/month and no payment had been missed. I have contacted XXXX XXXX months ago, in regards to having the mark on my credit report showing 30 days past due removed. I disputed this on my credit report and XXXX XXXX chose at that time to not reverse the mistake. I spoke to a manager who then told me that it was their error and that they will work on getting it corrected but it would take XXXX days. That was almost a year ago. I then contacted XXXX XXXX recently in regards to the same issue. I escalated this up to management who informed me that I needed to send in a letter and a copy of all three of my credit reports showing the error, and they would send it to their credit bureau team. This was not explained to me previously and I was told is the reason why nothing had been done. I had this expedited so that I would not have to wait another 60-90 days.  Even after having this expedited, I received the reply that XXXX XXXX would not be correcting my credit report. This has been proven to be XXXX XXXX 's fault and they have marked my credit for one month which no other creditor has done. I am showing up to date with ALL of my other accounts with every creditor through the same months and XXXX XXXX admits ( and the credit report shows ) that payment was made every month to the account. I am not asking for a lot, I would just like XXXX XXXX to take this inaccuracy off my credit report so I can move on from them for good.
On XXXX/XXXX/XXXX I went to a XXXX clinic named XXXX XXXX XXXX, XXXX offices located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX seeking for XXXX treatment, they refused to accept monthly payments or payments for visits, t was very clear that I could pay every time for my treatment even if that would be 3 times per week, instead the clinic contacted Care Credit, to get me a loan so they could get paid ahead the amount of {$5000.00} I already had a credit with Synchrony Bank ( Care credit ) for {$1000.00} ( card ending in XXXX ) another credit card for {$4000.00} ( card ending XXXX ) was mailed to me and quickly charged for the XXXX Clinic, both card were given a promotional payment of 18 month, on XXXX XXXX XXXX I had a balance of {$1800.00} in the card ending XXXX, I contacted my Bank XXXX to make a balance Transfer from my XXXX credit card to Synchrony Bank to pay off the balance, but the bank sent a check with the wrong account number ( XXXX ) Synchrony bank rejected the payment and they told me I had to submit a payment on XXXX/XXXX/XXXX and a period of grace would be extended until XXXX XXXX XXXX or interest for 26.99 % would be collected of the full amount, something that I reject that, because do n't make sense and that possibility was not explained on XXXX XXXX, any way the interest were fully charged on XXXX XXXX, I sent a payment of {$200.00} on XXXX the XXXX, Synchrony Bank forgot the extended period of grace promised and they want to collect now {$2900.00} I ca n't trust the Bank anymore even if I could submit the rest of {$1600.00} today the interest of 26.99 % of {$5000.00} is already in my statement. The interest of the balance is only {$430.00} a difference of {$930.00} is too much for me specially without any employment or weekly salary. I was un-aware of this predatory lending from Synchrony Bank even when it was highly suspicious that the clinic refused to accept my weekly payments, and that was because my medical condition returned 3 month later after the last treatment, I did not that I was not supposed to be forced to pay ahead for XXXX treatments, I kept paying any way but enough is enough, and I would like to see now a copy of the check paid to the clinic by Synchrony bank just to make sure that the amount is right, further more the Florida laws allow to collect a maximum interest of 18 % in any debt.