WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

XXXX XXXX XXXX
As a advocate for my father, XXXX XXXX ( who took ill in 2009 ), Wells Fargo Foreclosed on his home, in XXXX, PA, and then made it appear ( once this matter was filed with CFPB ) ; as though they were going to give my family a chance to purchase my father 's home back. But Wells Fargo knew all along that they were n't going honor the Real Estate inspection, or, the engineers report, which mentioned the tremendous amount of work that needed to be completed at : XXXX XXXX, in XXXX, PA! The Wells Fargo representative that was assigned to me : XXXX XXXX XXXX ( of the Office of the President ), strung me along -- letting us believe that our offer on the house was going to be excepted, and as long as we worked with their realtor : XXXX XXXX of : XXXX of the XXXX that our chances were great. However, due to the ( extreme ) rudeness of XXXX XXXX, we knew that the deal was NOT going to go through, as her reputation in the XXXX is not good at all!!! We assumed that Wells Fargo 's intention was just to let the house ROT, Vs : addressing all the issues in the " newly '' constructed home and allowing us to purchase it, fairly!!! Honestly, I have never seen anything like this in all my days!!! How can a bank issue a construction loan, and then not address any of the " structural '' damages, and then foreclose on the home (? ) *This is despicable to me, and I am truly disgusted by the way this entire matter went down -- from start to finish! If this is the American Dream, then something is absolutely WRONG!!! Where is the compassion for the sick? And why is n't the TRUTH respected anymore? ( The engineers report and the inspections report that was provided to Wells Fargo was thorough, which we paid good money for! Yet, Wells Fargo did n't give a hoot about the " truth, '' regarding the damages of the property! ) After all of this, I 'm thinking perhaps God has another plan for us! And he did n't want to see the roof come tumbling down, because the home was truly " the house that " XXXX '' built! '' At this point, it is what it is! However, I must say, Wells Fargo is certainly a financial institution that takes pride in misleading individuals!!!
After numerous attempts to have XXXX paid medical collections removed from my Equifax credit report due to FCRA violation XXXX XXXX XXXX Equifax is reporting the hospital in which my medical treatment was rendered. This is a violation of my protection. Equifax failed to provide me with documents proving I allow my medical records to be shared with the collection agency currently listed as the holder of the accounts. Being that Equifax is no longer allowed to request information on the accounts because the accounts are all paid, I have asked Equifax to remove this account from my credit report due to the violation. They have refused to do so. These accounts are not reporting on XXXX or XXXX. I am submitting a compliant to the CFPB to assist me with this matter.
in XX/XX/XXXX i was garnisheed wages for a 900.00 dollar credit card, as of XX/XX/XXXX XXXX stephen bruce XXXX out of XXXX okla have taken 10.000 dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.
Wells Fargo ( Wachovia - XX/XX/XXXX ) failed to protect my my mother and father 's checking account from a convicted felon out on parole. All account funds were exhausted in the approximate amount of {$140000.00} across a XXXX period. Prior transactions on the account were small and infrequent, and Wells Fargo failed to notify both account holders and protect our funds despite the alarming increase in transaction frequency and amount. 

My family and I looked to recover our money through a number of avenues, including contacting Wachovia executives directly. Our pursuits to recover our savings were consistently denied with insufficient reasoning. My father passed away in XX/XX/XXXX and thereafter my mother, sister and I no longer had the energy or will to pursue the case against Wachovia after the loss of our father. Although we tried to move on from this remarkably terrible time in our lives, we have been consistently reminded of the failures of Wells Fargo as one of the largest financial services company in the world to serve their customers with integrity. Most recently when listening to XXXX XXXX XXXX on XXXX, we were encouraged to file a claim through the Consumer Financial Protection Bureau in hopes of a satisfactory response by Wells Fargo to begin to right their history of wrongs. 

Please see below for our loss history through XXXX : XX/XX/XXXX : 1 check = {$1000.00} XX/XX/XXXX : 5 checks = {$10000.00} each = {$50000.00} XX/XX/XXXX : 1 check = {$40000.00} XX/XX/XXXX : 1 check = {$16000.00} XX/XX/XXXX : 1 check = {$4200.00} XX/XX/XXXX : 1 check = {$15000.00} & 1 check = {$3000.00} = {$18000.00} XX/XX/XXXX : 1 check = {$8000.00} XX/XX/XXXX : 1 check = {$4500.00} XX/XX/XXXX : 1 check = {$1000.00} TOTAL LOSS through Wachovia = {$140000.00} *** Cash Advances through XXXX XXXX XXXX were reimbursed per our request and their investigation into this claim in XXXX.
I AM BEING CHARGED FOR MEDICAL EXPENSES THAT WAS COVERED THROUGH  XXXX . I HAVE CALLED AND TRIED TO RESOLVE THIS MATTER WITH THE COLLECTION AGENGY AND THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION TO THE CREDIT BUREAUS. COLLECTION BUR  FT WALTON CL AIMS THAT I OWE {$710.00} AND ALL OF MY MEDICAL EXPENSES WERE BEING COVERED BY  XXXX . MY  XXXX  COVERAGE PERIOD WAS   XX/XX/XXXX  THRU- XX/XX/XXXX .
Good afternoon, hope all is well ... I have tried to get the bank to remove this off my credit report ... According the them we were late on our payments for over a year, which is not correct we have made every payment on time, anyway they end up selling to another lender whom we have also never been late with ... please if you could remove this from my credit report, it is Home loan services account # XXXX ... thank you in advance. XXXX,
Recently signed up for a Best Buy store credit card and they created an account and subsequently canceled my order so I also canceled my credit card. 

Meanwhile they never sent a card or statement to me ... the only reason I know of a statement was because they sent a vague email notifying me of a statement. 

Meanwhile I can't login online to see anything since they never sent me a card. When they claim I had to have a card to create the online account and opt in for estatements. 

This is a blatant lie on their part, and a major gaping hole in their systems if they think they can send an estatement to people that don't have cards and have no means to login and pay. 

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Hello. 

In brief, I have been a loyal Capital One CC holder for many years. I have XXXX cards with them and never missed a payment once. 

About XXXX years I downloaded their app and engaged the auto-payment feature. During XXXX and XXXX of XXXX it came to my attention that I had missed XXXX payments on of the cards. XXXX because I was n't even alerted to the first. This was impossible as I was enrolled in auto-pay. 

I learned that my interest increased by {$1.00}. That 's right {$1.00} and because of that my minimum increased by {$1.00}. The autopay did not account for that. Therefore, because I did n't pay the new minimum due-I was late! 

After researching this I found that this auto-pay feature is deceptive, not easy to use if you are n't told in detail how it works, and that many on time paying customers also have had damage to their flawless payment history due to this deceptive feature. 

I am intelligent person. I am a loyal customer and I pay all my bills on time. The damage this has caused to my credit was severe. All for a {$1.00}. And most importantly because they designed this feature to be deceptive and to their benefit. How much money did they make off defaulting people 's interest rates to max because of this shady feature? Millions I 'm assuming. 

What 's worse is that they have admitted that the feature is in fact confusing and that they had to deal with many calls such as mine-but there 's nothing they can do. Which is a lie. 

I truly feel like they are getting away with fraud to a degree. At least some form of profitting from taking advantage on their customers. I hate to use this term but it 's not fair. 

Please help. 

Sincerely, XXXX XXXX
my student loan is now owned by naivent. The payment are automatic debits from my checking account.The company reset my payment to the minimum payment. the loan company had agreed to accept larger payments so the payments were going mainly to principal. our months ago they reset the payments to the minimum and hoped i would n't notice so the payment mostly goes to interest. They broke the agreement to get more interest.
I have tried to contact the institution for the past 2-3 weeks. Total consumer negligence. I have yet to hear back. 

Please call me at XXXX XXXX XXXX
I receive a letter from Northland Group that I owe XXXX {$550.00}. I have never had an acct with this bank.
Last name reported by XXXX and Transunion is wrong ( missing a letter ) Address reported by Transunion is wrong.
Called National Recovery Agency about a debt collection they reported to credit bureaus. I asked to have any info sent to me verifying that this was in fact a debt of mine, because I had no knowledge of the debt. NRA said ok, after trying to get me to pay the debt over the phone stating they would send proof after I paid. I refused to pay without proof. They told me I would get proof by mail 5-10 business days. Well its been close to a month and I still have not got anything from them, yet they still report the collection on my credit report.
Dear Sir/Madam Consumer Financial Protection Bureau Wells Fargo Card Services made two unauthorized Inquiry - XX/XX/2018 XXXX only - XX/XX/2018 at XXXX and XXXX so i have fraud alert on my credit report with 3 national agencies XXXX, XXXX, XXXX and contact them two time,  sent mail and request to remove this unauthorized inquiry from my credit buy the didn't response, so i'm asking Wells Fargo Credit Services to remove this unauthorized Hard inquiry from my Credit
I was forced into forbearance after graduating because my job at the time did not pay enough for me to support myself and also pay back my student loans- as a result, I have a huge amount of interest built up from the forbearance. In addition, after both my parents died last year ( who were co-signers ), no loans under their names were forgiven- they were put onto me which I am still currently paying back, along with the interest.
Bank did not give {$200.00} welcome bonus for my checking account. 

This is the advertisement : To qualify for the {$200.00} bonus : open a new Fifth Third Essential Checking account, within 45 days of opening the account make deposits totaling {$500.00} or more AND then maintain a balance of at least {$500.00} for 60 days from the date the balance requirement is reached.

I deposited {$600.00} on XX/XX/2018 and maintained the average balance for more than 60 days. Never received any bonus. Made several attempts by contacting various branch locations. I opened the account online and no branch is taking ownership of this problem
Professional Accounting Management is reporting false information on my cr4edit report. I contacted the company ( XXXX ) XXXX to be told that they are unable to pull anything up under my name, thus being unable to address the issue
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX I C System To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between I C System and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely Name
Opened new CitiBank checking account on XX/XX/XXXX and funded $ XXXX using my external acount at XXXX. About a month later, Citi closed my checking account due to pending verification and transferred the funds ( $ XXXX ) back to my external account on XX/XX/XXXX. However, the external account was closed by then ( XX/XX/XXXX ). The funds were returned to CitiBank as the account was closed.Citi is unable to trace the transaction and I am still waiting/have not received the funds yet.Citi keeps saying that they have sent the funds to the external account and that they dont have the funds. The citi case # is XXXX
I am using an app to predict future XXXX XXXX XXXX XXXX and get recommendations from them, however when I try to add my Capitalone card it says Capitalone is blocking the service from accessing my data. This is my data and my right to use it as I see fit in apps of my choice. I am being denied of my freedom and right to information by Capitalone!
Trans Union, like XXXX and XXXX, engaged in the same and related transactions, even after the investigations by each. They are wearing the same clothing of fraudulent providers of consumer credit trusted institutions. They engage in racketeering with the proximity of the cause in the administrative and internal control systems of their factfinders, debt buyers, and original grantors. Trans Union had published what became of my payment on XXXX XXXX, 2015, where the ACH went to the XXXX XXXX XXXX XXXX ( original grantor XXXX XXXX XXXX ) instead of the XXXX XXXX XXXX credit account, now own by a debt buyer, known as XXXX XXXX. Instead of sending the consumer the payment back promptly, it held it until after the cut off date and then transferred it to the right account. No one was monitoring the store until the flag date, which is not responsible collection activities. 

After it was transferred to XXXX XXXX it collected late charges and late interest. I received credits, but the automatic system kept the collection activities up with default fines and fees. I wrote written communications, Emails and made phone calls to a XXXX sales force putting profits before consumers and got no where. When I could no longer figure out what I owed, I stopped payment hoping I would get their ( XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) attention. When I did n't the debt buyers reported me to the credit reporting agencies. I have filed complaints against all necessary parties.
Nationstar took over my loan in XXXX, but I did n't receive notification until a demand letter on XXXX XXXX. I may have tossed previous letters thinking they were junk mail refinance offers. I tried to log onto my previous servicer 's website to make payments several times XXXX through XXXX. 
I called Nationstar as soon as receiving the letter and stated I could make payments but wanted verification that they had the note and did indeed own my debt. They said they would send it and never did. I forgot to call them back until XXXX XXXX, asking about the note. They said they could e-mail it, leaving me wondering why they had n't done that before. They also said they had initiated foreclosure that day. I offered to pay the outstanding payments in full, but they said they would have to determine legal fees. Despite calling on the very day they initiated foreclosure, they called back a few days later and demanded {$900.00} of legal fees. I contacted their law firm and was mailed a letter saying no attorney had reviewed my account. 
I spent many hours on the phone attempting to get them to reduce the fees. They tried to force me to apply for a modification that would involve a new XXXX-year mortgage that would end up costing me a lot more in the long run. I considered hiring a lawyer and taking them to court, but it seemed like too much risk. I finally gave up and was forced to pay the exorbitant fees. 
In sum, my complaints : They foreclosed on my loan less than a month after I was notified that they owned the loan, and without providing me documentation of the note. My previous payments were not considered late until the XXXX of the month, yet they foreclosed before the XXXX. They claimed I owed {$900.00} in legal fees despite the fact that I attempted to pay in full within hours of them " initiating foreclosure '' - and I had previously expressed willingness and ability to pay in full on XXXX XXXX. I was only 4 months behind in the XXXX place because I could n't figure out why my previous lender was n't accepting payments XXXX - XXXX.
XXXX XXXX XXXX for the amount of {$7100.00}. I have disputed this account with XXXX, TransUnion and XXXX. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and XXXX
My identity has been compromised and looking at my credit report I see accounts on there that I have absolutely any knowledge of and requesting that they be removed immediately. In concert with the FCRA law if the reporting agencies can not provide physical documentation to the consumer then the disputed accounts shall be deleted. The following accounts are 1 ) Avant, ( XXXX ) {$1300.00} 2 ) XXXX XXXX ( XXXX ) {$860.00} 3 ) XXXX XXXX XXXX ( XXXX ) {$710.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX  ( XXXX ) {$130.00}
The following account was fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the item be blocked to correct my credit report XXXX/XXXX XXXX
On XX/XX/2018, I made my car payment of {$420.00} cents as I do every month on the XX/XX/XXXX. My car payment isn't due until the XX/XX/XXXXof each month, but I pay it early each month. This particular month, I didn't know that I would be trading my car in on the XX/XX/XXXX ( which was an upside down loan, the car was worth less than I still owed on it, and the interest rate was absolutely horrible, as well as the company who it was financed though. ) This amount was never applied to my loan balance until the XX/XX/XXXX. I attempted to get my money back from the company and my bank, Suntrust. The company ( XXXX, XXXX XXXX XXXX..a perfect name for them btw, as they take advantage of people with their predatory lending ) was contacted on the XX/XX/XXXX and XX/XX/XXXX asking how I could get my money refunded, as when I traded the car in on the XX/XX/XXXX, the car was paid off by the dealership that I'd received my new car from. I was told that I would need to reach out to my bank Suntrust in order to get my money refunded. I did that and had to file a dispute of payment on my debit card. My claim was denied as Suntrust claims that it was a valid transaction. I never said that it was not a valid transaction and that is not the reason that it was disputed. I disputed it as i was told by XXXX that was the only way I could get my money refunded. This charge was pending on my account until XX/XX/XXXX, which is after my car had been paid off by the dealership who gave me my new car. It was applied to my payment after the fact that the car had in fact been paid off. Before I attempted to file a dispute claim, I tried to do a stop payment with my bank. I was told that since the payment wasn't showing as a recurring charge on their software, that it couldn't be stopped. I can show a years worth of payments made on that same date if needed. Suntrust failed me with their dispute system, as the reason they gave why the claim was denied had nothing to do with the reason the claim was filed in the first place. They are literally one of the worst banks to work with, even after sending in all of the proof that the car was paid off on the XX/XX/XXXX, and the payment was still pending on my bank account until the XX/XX/XXXX, meaning that the payment was never applied to my car loan.
IC System had an open collection for XXXX XXXX XXXX for {$400.00}. They were sending notices to my old address and calling an incorrect phone number. As soon as I saw it on XXXX XXXX and XXXX XXXX I contacted them to resolve the issue. I paid the balance of {$400.00} and they sent me a letter stating that the balance is paid in full and will be deleted from my credit report but it is still on my report.
Received a voice mail stating that they were going to issue an arrest warrant and come to arrest me with an armed guard at my work for their protection and as a witness. Wife called them and was trying to cooperate and asked them to send an email someone called back and as she was speaking with a man she asked some questions about why we have n't been notified and according to them they did 30 days ago, but yet we have not received anything and then he started cursing at her and calling her XXXX and us XXXX and hung up on her. She called back and was in tears about what happened, she complained and they sent a generic email. With nothing about the original company that is requesting the money.