WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX was in juvenile, jail, and prison at the same time I was a minor. I won {$100000.00} from a dog bite- the attorney took {$40000.00}, I kept {$60000.00}. I was released from prison XXXX XXXX, XXXX, I was XXXX, I asked my mother where is my lawsuit money and she told me it was stolen. I asked what bank is the money in and she told me in XXXX but they closed and Chase Bank bought XXXX. My mother took me to the Chase Bank 's actual branch where she deposited the check when it was XXXX. The teller issued me XXXX check copies that shows XXXX check with my name and the other check with her name. The check with my name raised an eyebrow because the date says I was a minor and in prison on the date. From what I know about this situation, when a minor receives a large amount of money, the funds must sit in an account with the parent monitoring it and it is unlawful for anyone to withdraw the cash without a judge or courts permission. To say the least no one except me or my mother should be able to withdraw and must present identification. The bank ( XXXX or Chase ) does not have paperwork about how the withdrawer has the ability to withdraw the funds because my mother tells me the money was sitting in a CD. There is no court order or copies of identification. My mother says the check in my name is my father- same name, using my money to pay his child support for me and the check in her name is the IRS forcing to pay her taxes. I have reason to believe the money I won was stolen from, I request the federal government to investigate and prosecute all people who was involved in the thievery of my money. Also, I want my money back plus interest because XXXX and/or Chase did not have the lawful right to withdraw money from an account without proper court paperwork or the account owner permission. Thank you.
This dispute and investigation is for Experian Credit Bureau. I had XXXX accounts with XXXX XXXX Bank as a XXXX. These cards were opened at separate times, XXXX in the XX/XX/XXXX XXXX and the other in XX/XX/XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. Experian has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with Experian that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. Experian also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX Experian reported the same XXXX accounts as being current late payments that went from XXXX days, to XXXX days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can Experian not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they XXXX be removed once and for all! I am also disputing the fact that they have Enhanced Recovery reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed Experian keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!
I filed a complaint with CFPB XX/XX/XXXX and again XX/XX/2016 [ Case number : XXXX ] about a bill from XXXX that I did not incur. 

XXXX agreed that the bill was done in error and contacted their collection agency - FOCUS RECEIVABLES instructing them to cease collection and update their records. Despite numerous requests to remove inaccurate information, FOCUS RECEIVABLES continues to submit information to the credit bureaus that they know to be inaccurate. I had my attorney submit a letter to FOCUS RECEIVABLES XX/XX/XXXX. However, as recently as XX/XX/XXXX they ( ONCE AGAIN ) Submitted false data to the credit bureaus.
I am the XXXX of the XXXX for XXXX XXXXXXXX and XXXX XXXX ( XXXX ) and have a savings and checking account for this organization with Wells Fargo. This account has been with Wells Fargo for at least 11 and likely more than 25 years. Last month, the account 's primary agents were changed to reflect a change in the XXXX   position ( I was newly elected ) and the business office moving to XXXX. So, the operations of this non-profit organization were relocated from XXXX Montana ( home of XXXX XXXX ) to XXXX, Indiana ( home of XXXX XXXX ). 

To conduct the exchange the old and new XXXXr and our accounting staff presented in person to Wells Fargo in downtown XXXX XXXX XXXX, Utah, where we provided identification, and organization documents ( meeting minutes and articles of incorporation, etc. ). This was a very tedious process because we received conflicting instructions in three separate phone calls to Wells Fargo. 

Today ( XX/XX/XXXX ) we received a warning letter that our account was to be closed because a business name mis-match and an unknown 'Certification Regarding Beneficial Owners of Legal Entity Customers form. ' This is an urgent matter, since we were given 20 days to report to a branch ( there are none locally ), to re-provide the information we provided in Utah in XXXX. Calls to the bank proved fruitless. 

So, we are a national organization, chartered in XXXX, who has been a client of Wells Fargo for perhaps decades, and they have threatened to close our account due to their loss of our identification, and/or update their internal banking records.
I received a letter in the mail from Big Picture Loans stating I was pre-approved for a {$800.00} loan. I logged on and applied for the loan. Although a statement appeared stating this was a " very expensive way to borrow money '' before I clicked to accept, I was not able to view the interest rate or total payments due until after I had received the funds in my account.
Once the funds were received, I saw that the interest rate being charged was 637.9945 % bringing the interest owed to {$3800.00} in addition to the original {$800.00} borrowed.
In addition, the loan stated that it would be paid off in 20 payments. However, until I agreed I did n't realize they would be deducting two payments of {$230.00} each from my checking account, for a total of {$460.00} being deducted each month. This is creating a great hardship in paying my monthly bills, such as my rent, electricity, etc.
I have so far made three payments of {$230.00} each. The loan principal is untouched although I have paid {$690.00}. I have no problem paying the {$800.00} I owe, plus a reasonable amount of interest. But 637.9945 % or {$3800.00} for a {$800.00} loan is unconscionable.
I regret ever clicking on their website. I should have just thrown that offer in the trash and I urge others Do Not Do Business with this company. But they prey on people that are strapped for cash. And the full amounts were not disclosed until after the funds were received.
I would greatly appreciate any assistance. Thank you.
I am not the debtor. I am a 3rd party that received and inappropriate call. On XXXX/XXXX/2015 at XXXX eastern time, I received a voice mail from XXXX XXXX calling from pre litigation department on behalf of XXXX County for my ex husband. On my voicemail, XXXX left his last XXXX digits of his social, stated his license will be suspended for 180 days, and the legal process will start and fees will be tacked on to his account if he does not call. The phone number she called from is XXXX. With in minutes she called my ex husbands phone number and left the same message on his voice mail. On XXXX/XXXX/2015 at XXXX I called backed and I talked to a lady that stated she was XXXX. I indicated she is not allowed to leave this information on a voicemail or talk to a 3rd party about someone else 's debt without permission. She disagreed with me and said it was ok, and that the call was being taped. My ex husband have been divorced for over 7 years. Based on my understanding of the FDCPA her actions were in violation. I would ask that the company be contacted and cease phone calls to my phone number and discontinue disclosing personal information about people on 3rd party VM. Of note, the debt we think she is calling about was fraud that took place on his account years ago that we had taken care of with police reports and the proper paperwork.
I had a XXXX procedure on XX/XX/XXXX. Insurance paid benefits, and I paid the balance. {$500.00} of the bill was excluded from insurance coverage because the procedure was disallowed, as it was incidental to the billing code that was paid. At the time of the XXXX, XXXX XXXX, XXXX, was an employee of the doctor doing the procedure, and was paid by his office. She subsequently left the doctor 's employ, and attempted to collect the {$500.00} that was disallowed. I refused to pay her bill, as she should have been paid by the doctor, and her dispute was with him. 


2 years later, in a letter dated XX/XX/XXXX, First Federal Credit Control , Inc. a debt collection company, wrote that XXXX XXXX, XXXX, referred my account to them for collection. On XX/XX/XXXX, I asked my husband to call First Federal to dispute the validity of the debt. He spoke to XXXX XXXX, and gave her the information, and faxed her proof of the debt not being valid. Neither Ms. XXXX, nor anyone else has been in contact with me by mail, phone, fax, or email since. 

We contacted the appropriate credit reporting agencies and filed a dispute. We are in the process of purchasing a home, and when our credit was pulled recently, the invalid collection was still being reported. My husband contact Ms. XXXX again in the last few days to get this matter resolved. She declined.
For several months I have attempted get an explanation or get compensated for what I think are a set of unfair events. These events caused me to loose my home which was subsequently destroyed by fire. Wells Fargo stated that my loan was sold to another company which would not accept verification of my address as a mail box. My utility service was on at my home but the mailing address is the XXXX. XXXX which Wells Fargo had in its file for over 7 years. The only item remain to be considered for a work out was verification of utility service. The bill clearly stated that service was established at the address of the home. The request for modification was denied for this reason. my home was sold.
In XXXX 2016, my Capital One credit card number was stolen after placing an online food order. Multiple flights and vacation packages were purchased from different companies. Many of the charges were refunded, but XXXX were recharged to the account in XXXX 2016. I have called the fraud department approximately every other week. The previous employee, XXXX, no longer works there and her voicemail states this. During the most recent phone call, Capital One promised my account balance would be cleared to XXXX. This has not been the case, and the balance for the fraudulent charges plus interest charges are still being charged to my credit card account.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I thought my CD 's were listed in maturity order on the bank 's website. Based on that, on XX/XX/XXXX I instructed bank to take action ( done on internet ). 15 minutes later I discovered the CD 's were not listed in that order, so I IMMEDIATELY called to void those instructions. 
I was advised ( on XX/XX/XXXX - same day ) there was a 25 minute wait to speak to someone. I waited 30 minutes and the recording still said there was a 30 minute wait. I tried to call again about 2 hours later but had the same results ( I had waited 25 minutes ). So I attempted to use the " chat '' feature on the website to reach someone - but a note popped up saying that the ''chat '' feature was not available. 
So I sent them an e-mail ( do not have copy of this ) - Received a receipt of my e-mail from the bank on XX/XX/XXXX, which basically said they received my e-mail and would reply within 24 hours.

On XX/XX/XXXX I went through a similar procedure- knowing that I had to act before XX/XX/XXXX to get the action I wanted. This time themessage said that the wait was 65 minutes. I again sent an e-mail using their website to communicate. I also called again on XX/XX/XXXX at XXXX on XX/XX/XXXX ( they claim they are open XX/XX/XXXX ) with same wait time ... so I e-mailed them again. 
On XX/XX/XXXX, I called at XXXX XXXX and again at XXXX XXXX with the same results. 

Finally reached them on XX/XX/XXXX. spoke to XXXX XXXX. She claimed they had call center go down. She ( and subsequently a supervisor, XXXX XXXX, refused to take any action on my behalf because the time to get the action I wanted had expired. I told them that it was their fault I could not reach them in time. But they refused to do anything to help me. I asked for the phone number of their executive office and they refused to give that to me - only a PO Box to write to. 
My complaint is that where a bank is only accessible on the internet there must be a manner for customers to reach them on an emergency basis. If I were desperately in need of withdrawing money, I would have no way to do it. Such a situation is unconscionable and whatever laws, rules or regulagtions exist must be amended to protect depositors. By electing to do business solely on the internet HAS to make them have a manner of reaching someone immediately. In addition, depositors should not be penalized by the failure of the bank 's system and their unwillingness to compensate for problems they al ; one create. The bank should have to prolong offers for the length of depositors ' inability to reach someone and act on bank offers. 
The net result is that I lost at least .45 % on my funds for 12 months. I want the bank to make good on the rates they offered between XX/XX/XXXX and XX/XX/XXXX. I want my CD # XXXXterminated and the balance, less the penalty put into their one year CD at 2 %. 
I want them to establish an emergency phone number to be used when their main numb er is swamped or I want them to be responsible to immediately switch a sufficient number of people to their other call centers so this can not happen. They chose to opeerate only on line so they must protect against these situations.
I filed for bankruptcy in XX/XX/XXXX and was granted a discharge of all debts. In XX/XX/XXXX I pulled my XXXX credit report and noticed that Fifth Third bank has listed my account as being Transfer/Sold and as a charge off. I filed a dispute with XXXX and on XX/XX/XXXX XXXX reported that Fifth Third bank verified with them that the account is being reported accurately. On XX/XX/XXXX I contacted Fifth Third ( XXXX ) and spoke with XXXX XXXX who stated that in her system the debt was listed as discharged in Bankruptcy. I was then transferred to XXXX ( Bankrupcty Dept. ) who told me he would look into my concerns. On XX/XX/XXXX, XXXX called me back and said that after consulting with numerous employees in his department they determined that the account was being accurately reported to XXXX and XXXX. Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. '' This practice keeps this bill alive on my credit reports although it was legally eliminated in bankruptcy. Fifth Third has engineered what amounts to a subtle but ruthless debt collection tactic, effectively holding my credit reports hostage, refusing to fix the mistakes unless I pay money for a debts I do not actually owe.
SOUTHWEST RECOVERY SERVICES PLACED A DEROGATORY COMMENT AND COLLECTION ON MY XXXX CREDIT REPORT FOR {$19000.00}. I CALLED THEM AND SPOKE TO XXXX XXXX AND HE SAID IT WAS FROM XXXX XXXX XXXX XXXX, A DEBT BUYER AND THE ORIGINAL DEBT WAS FROM A XXXX XXXX ACCOUNT IN XX/XX/XXXX AND HAD NO OTHER INFORMATION ON IT. IT IS NOT MINE, I DO NOT HAVE NOR HAVE I HAD A XXXX XXXX ACCOUNT. HE TOLD ME TO SEND THEM A LETTER AND THATS ALL HE COULD TELL ME. I STARTED A DISPUTE WITH XXXX AND WILL SEND THE LETTER. THIS IS THE SECOND TIME SINCE XX/XX/XXXX THESE PEOPLE HAVE HARASSED ME. MY BROTHER WON A SETTLEMENT FROM THEM IN XX/XX/XXXX BECAUSE THEY USED TO CALL HIM AND THREATEN HIM IF HE DID N'T PAY MY ALLEGED BILL AND/OR TELL THEM WHERE I COULD BE FOUND. NOT ALMOST A YEAR LATER THEY ARE ILLEGALLY HARASSING ME AGAIN WITH ANOTHER FALSE ACCOUNT I DO NOT OWE. THE JUNK DEBT BUYER, XXXX XXXX IS JUST AS MUCH TO BLAME BUYING FALSE DEBT AND TRYING TO SCARE CITIZENS INTO PAYING FAKE DEBTS!
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
For the past month I have tried applying for an income-driven repayment plan. I have met all the requirements and completed all requests necessary for this repayment plan as required by Nelnet. 
When I first applied, I was told to submit a self-certification letter stating the name of XXXX agencies I do work for, pay frequency, hourly pay, and to state in the letter that taxes are not taken from my paychecks as a XXXX. I submitted the self-certification letter with all that information and a few days later they sent me an email saying that I needed to resubmit the letter because pay frequency was missing, which was not. I called them and they told me to write the letter again but to include a statement saying that taxes are not taken from my paychecks ( that is not what the email said ). I wrote the letter again and today I got the exact same email again, saying that my self-certification letter is missing pay frequency, so they 're asking me to rewrite the letter and include that information, which I already did in the previous two letters. I called Nelnet and they told me that this time I need to include a sentence that says that I get paid once a month ( as opposed to every three weeks, which is what I wrote in my previous two letters ) and to exclude the sentence that says that taxes are not taken from my paychecks. First of all, the email they sent me is requesting something completely different from what they told me on the phone. Second of all, now they are asking me to NOT include the statement about my taxes when previously they denied my letter precisely because the letter did NOT include such a statement. The people at Nelnet are just simply refusing to accept my letter and process my request. This is discrimination. I kindly request that you help me resolve this discrimination issue. This act of discrimination is not only wrong in itself but it is also affecting my account because it is already showing as past due since my first monthly payment is now due and because they have refused to process my repayment plan request it will give me bad credit history.
XXXX placed my previous electric account with Collection Bureau of America. The original placement amount was {$1200.00}. I 've made several payments further reducing the debt to {$710.00}. After review of the previous XXXX account statements. My final bill was not calculated correctly. As of today, I 've not been able to get anyone in the XXXX final bill unit to return my calls. The collection company is still pursuing the collection and now stating that even though I 'm under a payment agreement that this will still be reporting onto my credit. This is not fair business practices as I 've been on the phone with them every single time they have called.
I had noticed items on my credit report that was sent to collections and an immediate red flag popped up and I said that this is n't me. I disupted the items for removal and nothing was done to resolve this issue.
I was contacted by " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, WA XXXX I was told the had a debit for a previous account I had, they asked me if I wanted a settlement. I paid from my debit card on XX/XX/2016 and the funds were taken from my account. It was removed from my credit report. More then a year later I received a piece of mail from Contract Callers try to collect on the same account. I immediately called them and told them about XXXX and the settlement. They told me they would look into it in contact me. I got on the phone and contacted XXXX  and I was told they were going to have to pull the voice recordings from 2016. I was to be contacted, I did not hear back I called back 25 times! Manager to manager excuse after excuse the files were stored in a separate location they had to submit to get the audio file. I ask my bank to revoke the transaction of settlement from them because it was obvious they had taken by money and they weren't consered with helping. Unfortunately it had been over 6 months, and the funds couldn't be pulled back. 

There was previously a reslease and XXXX  and XXXX amount on the closed account on my credit report. Today after I have spent a lot of time energy a money to XXXX out everything on my credit report Contact Callers is still Harassing me and trying to collect on something that's been paid for over 2 years! Now it's on my credit report and I'm freaking out. Despretly need addvise, please help me!
While shopping for a car, I was told my credit scores were too low? I know my scores from XXXX, XXXX XXXX and XXXX. I was told there is a new credit reporting agency called XXXX XXXX??? Who is XXXX XXXX? NEVER HEARD OF THEM. How do they have my information without my consent and how can companies all of a sudden become credit reporting agencies reporting inaccurate credit information? Is this an attempt to report negative information in order to allow lenders to charge more interest? 
WHO IS XXXX XXXX?
I saw a promotion where Discover Bank was offering {$100.00} within 30 days of opening a savings account with them and depositing {$15000.00}. I followed their terms exactly, my deposit was made on XXXX/XXXX/2016, and Discover has not given me the {$100.00} that was promised. I have repeatedly emailed and called them and have received no explanation as to why. They tell me it is obvious I have met the terms, but there 's nothing they can do to help me, and that I should keep waiting, and that maybe in a few weeks I 'll get what I should have received by XXXX/XXXX/2016.