WillisBack/dataset-financial-user-claim huggingface dataset:
i was contacted via phone last week from a collection company they stated i owed XXXX XXXX {$1300.00} from 2008 I told them i paid XXXX XXXX {$450.00} for their services and this was a BOGUS collection. I then received a letter on XXXX that was dated XXXX stating i needed to pay the amount the or legal action will take place. The letter states over {$3200.00} which almost tripled from what they told me on the phone.
I got a copy of my credit report a few weeks ago and noticed there was a Citi Bank shell credit card open on it, that was delinquent. I requested a theft investigation from Citi bank. They were unhelpful and would not listen to the information that I was telling them. I specifically told them that someone had opened a bank account under my name along with some other accounts. That person or persons was using my identity to make payments on the shell credit card. Citi bank responded in saying that they were unable to remove the credit card out of name due to being able to verify the debt to myself. I never opened this account it is not mine. Citi bank is telling me that my phone number matches there records. I do not see how that is possible. I never got any phone calls from Citi Bank regarding this. My phone number is XXXX. Also, whoever opened up a checking account under my name was using that account to pay for the shell credit card and XXXX XXXX credit card. Citi bank approved my claim on the XXXX XXXX  account ( see attached letter for proof ) however they would not approve the theft claim on the shell account. Makes no sense! I have provided a signed attached statement, along with a police report. I do not know what else further I can furnish to prove that these accounts are not mine. My SSN is XXXX.
I applied for a new student loan repayment plan in XX/XX/2018 after losing eligibility for the Public Service Loan Forgiveness program ( I no longer work for a qualifying employer ). My federally-subsidized loans are serviced by XXXX. XXXX denied my application erroneously : they said I needed to make a payment on the standard plan to show it was unaffordable, but I had already made two payments on the standard plan. The XXXX agents with whom I have spoken about seven times in the past three months have told me that my application is still pending. In the meantime, I am delinquent on my regular loan payment of XXXX XXXX/month. It should not take this long for XXXX to process my application for a new payment plan.
Over a couple months ago I sent HP SEARS a Validation of debt letter to validate a collection that they have listed on my credit report under the FAIR DEBT COLLECTION PRACTICES ACT. HP SEARS RESPONDED by sending me Itemized list of alleged charges they claim I owe and not what I ask for to Validate the debt. HP SEARS did not provide me with some of the following, I ask please provide me with copies of any papers that show I agreed to pay what they claimed I owed, explain to me how you calculated what they say I owe. They did provide me with any paper to show that they are even licensed to collect in my state. So I also notice that HP SEARS was still reporting a collection on my credit with out giving me a proper validation which is considered a collection activity which puts them in violation of the FCPDA. I sent this company a follow up letter to explain to them that I do not agree with what they sent me. It was later deleted from my credit from all three credit bureaus for maybe three weeks. H.P SEARS has placed it back on credit with out any letter or proper validation of the debt! I kept all copy 's of the letters that they sent that I need to show they did not follow the FTC, or the FDCPA guide lines of what constitutes proper debt validation. 
Additional Information About You ( optional )
XXXX Credit Reporting alerted me to a new Collections account filed from Mountain Land in the amount of {$190.00} with an original date of XX/XX/2017. At that date, I had just turned XXXX years old for 3 days and could not have accumulated this debt. 

I have no records showing an amount of {$190.00} I had no credit accounts at that time. 
I have received no letter from Mountain Land. 

What I believe happened is that my name was mixed up with that of my disabled/debt-owed father. This debt is not mine and impacts my ability to gain credit for student loans and rentals.
I joined a XXXX XXXX called XXXX XXXX XXXX XXXX XXXX. Otherwise known as XXXX XXXX. However after agreeing to join it i never received what i paid for to help me find someone as they promised to help me do. They promised a website, professional photography, and event meets. I never got any of that. No services or anything. And now they sent a company after me for {$2300.00} cents. That was no where near what i originally agreed to pay. Especially for a scam dating service that did not give me anything for what i paid and i decided to abandon it. The debt collector after me is called Fair Collections and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX and threatening to ruin my credit with the 3 major credit companies by sending me letters in the mail. Because other than this my credit is good. It has taken me 3 years to make it good.
I received a letter from Wells Fargo XXXX XXXX OFFERING me an increase on my card and stating all I had to do was call the number ... XXXX ... to answer a few questions. Little did I realize what would result. The rep asked my income and I told her. It is higher by about {$5000.00} than when I got the card. The letter states : your account must be open, in good standing, and your credit limit must not have changed in the past three months. '' Great ... that 's me. A person named " XXXX '' or " XXXX '' said, sorry my income does n't meet the requirements. I disagreed and asked to speak to her supervisor. My income is more and my debt less, so I do n't understand. XXXX told me she would have the supervisor email me later and I said I 'd rather hold and speak to the supervisor ... .and after a hold of about XXXX minutes, someone who identified herself as " XXXX XXXX '' spoke with me and reiterated what was said. The supervisor was fake understanding and conciliatory but would not understand my point. My main complaint is the letter and their tactics were deceptive. The letter never said I would have to requalify and prove my income. According to the letter, I fulfilled all the criteria, and they said they were raising the limit, I did n't ask. Adding insult to injury, I am a Wells Fargo customer with a checking account and a home mortgage with them.
XXXX is reporting on Equifax a last reported date of XX/X/2015 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.
Paid off several credit cards and only have a balance of {$6.00} on another one.

Also, the card with a balance of {$6.00} increased my limit which I haven't used.

XXXX XXXX is paid-off, XXXX   XXXX XXXX is paid-off.

XXXX XXXX Balance {$6.00}, and one item was deleted after which XXXX  dropped my credit score by 43 points, my score was XXXX and should have gone up to XXXX   instead went the other way. XXXX XXXX has been paid off and should be deleted on my report since XX/XX/XXXX, XXXX XXXX should be removed on my report since XX/XX/XXXX and closed, XXXX XXXX   was transferred on XX/XX/XXXX Needs removing. XXXX should be removed from the report since XX/XX/XXXX.

All three XXXX XXXX loans were purchased by another lender should be removed.

XXXX XXXX XXXX was sent a letter asking for validation, they removed But added it back, they didn't validate this debt within the 45-days under the FDCPA, therefore, it should be deleted for good.
Ally Bank recently has changed required operating system for mobile devices to the XXXX XXXX or higher. 
I bought few months ago my " mobile device '' aka smartphone with XXXX XXXX. The device was fully compatible with Ally mobile app back then, but now since it is impossible to update my phone ( most android phones are un-upgradable by design ) I ca n't use their mobile app. Ally Bank is an internet bank so mobile app is virtually essential for banking with the Bank. 
The Bank claims security as reason for the change but it means that clients, like me, can be arbitrary forced to buy new smartphones every few months. My smartphone works fine, was working fine with the old Ally Bank app and I suspect it can work fine with the new app too.
Every time I try to use my Paypal account to purchase items on Ebay the process is hit and miss. Most times the payment is " declined '' and I am told to contact Paypal. I call Paypal and they tell me my account is fine, but the " security system '' is not allowing the transaction. I provide answers to what addresses I have lived in 20 years ago, cars I have owned, etc, this is still not good enough apparently. I receive multiple text messages and phone calls during some transactions and put in codes, this is not good enough. I just want to be able to use my Paypal account as some merchants only allow payment by Paypal, and further, eBay gift cards can only be processed by Paypal. I have called numerous times each week, sometimes on the phone for an hour or more to be told the " security system '' is holding me up, there is nothing that can be done, try again in 24 hours. I try later as directed, however some auctions or rebates have then expired, and it works sometimes, most often it is the same problem. I just want to be able to use my own money to make a payment without being denied. I have done nothing wrong and if Paypal has such stringent security requirements they ca n't let the owner use their own account this is unacceptable. This is especially concerning when most purchases only use Paypal as a checkout option.
This statement is not new, just an update. Years ago I wrote about the foreclosure on property that was mortgage. I also explained how the mortgage company lied and falsified documents. Now, here we are in 2013, and I still have the same problem. No attorney will help, but that 's ok. I am in a different phase. At the time of requesting help, the house was livable, now it is falling apart and still, no help. I have XXXX situations and need directions. First, the house deed is not in my name, went to court, judge ruled in my favour that I could not by evicted from property and not to pay rent. Second, it have been some years and because this house is not in my name, no work was allowed, not even a roof after the hurricanes past through. Now here is where I need some advice, the address that was mortgage is a vacant lot, but the house sits within the perimeters. In other words, I pay a light bill and water bill where a house should be but is not. It is a vacant lot. Now, I have not heard from Chase bank who foreclosed on the property over XXXX years ago. At one point they would send someone out to check on the property ( house ) that they believed they purchased and cut the grass. But that soon stopped. After that, there was a call from an attorney in the XXXX XXXX area that called to ask me questions concerning the signature of a family member that was not notified about any of the court proceedings that lead up to the foreclosure. He said, no wonder this file was sent to me, who is XXXX, and why her name is not on these papers. I told him the long story of what happen and that was the last time I heard from anyone. I do n't know what my options are, just puzzled. The electric and water bill is affiliated with the house, is not the address on the bill. The vacant lot do not have a house on it, but that is the address where I pay to have service. Please help. Thank you
Dear CFPB, I have lived in the XXXX XXXX area for the last 30 years and strive to be a good citizen. I vote, pay my taxes, and am an active member in the community. I really enjoy where I live, but am in a situation where I may lose my house to foreclosure. I have been trying to work with my mortgage servicer, Wells Fargo, but they are failing to communicate properly and are not providing me an opportunity to pursue retention options. They have never given me a single point of contact who would return any of my calls, and now I have a foreclosure sale scheduled for XXXX XXXX. 

My discussions with them have stalled and I am hoping you can contact them and open a line of communication that leads to a constructive conversation regarding my mortgage and the pending foreclosure sale. 

I have worked for many years in XXXX. I never had any problems or issues financially until I had a horrific traumatizing experience : my XXXX year old son passed away. This experience was devastating, setting me back emotionally, physically and financially. You know that saying when it rains it pours? My child support ended, my XXXX husband could not endure the crisis and left me and filed for divorce, and then I struggled to find a job while still grieving. As a result, I could not keep up with my mortgage and fell behind on my loan payments. I reached out to Wells Fargo to negotiate a repayment plan or a loan modification, but I could not get anywhere. I was so frustrated!!! I tried to make a partial payment, but they sent the payments back and told me I had to pay all the arrears in full!! I gave up trying to deal with them until I got somewhat established financially. I inquired again in 2014, but was told over the phone the same thing again ( that I had to pay the arrears in full ). I decided to try anyway and applied for a modification and got denied a couple of months ago. However, I was never given any alternative options to save my home or appeal the decision. 

I have to continually try to explain my position to the representatives who answer the phone, but I ca n't seem to get any answers from them. They flat out have been lying to me throughout this process, telling me that they want to help and that falling further behind actually makes a better case for modification, and then denying me any help saying that I 'm too far behind. They have essentially slammed the door on communicating with me. I just need someone at Wells Fargo to speak with me and give me reasonable options to save my home. This is an avoidable foreclosure and I believe I qualify for help if Wells Fargo would come to the table and have a constructive conversation. I would like to see if you could contact them on my behalf and get them to speak to me in an attempt to save my home from foreclosure and give me a proper review for retention options. I would be grateful for your effort
Dear CFPB : This is a complaint against  Citibank for its hyper-aggressive marketing practices. Several months ago, when I applied for and was accepted for a Citibank credit card, I certainly did not expect the company would soon bombard with weekly direct mail ( not e-mail, but U.S. postal mail ) marketing offers. I want this to stop for a number of reasonsranging from junk mail cluttering my mailbox, to running the risk someone could steal my mail and open a credit card under my name, to protecting and respecting the environment. But no matter my reason, I seek the CFPBs assistance in helping me to bring Citibank to cease and desi st its out-of-control marketing practices.     See attachment for the most recent exa mple of Citibank 's ma rketing bombardment.
I have several accounts on my credit report which were charged off and a XXXX ( I think it 's called ) was sent to me. I therefore reported this as income, and paid taxes on it. They 're still reporting on my credit report as owing them money. They 're reporting negatively every month. 
Second situation is that I 'm paying on a second mortgage and have been in good standing, which is not reflected on my credit report. My contact at the credit union contacted them with the correct updated information. However, it is still reporting negatively on my credit report.
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX CONSUMER ID : XXXX Dear Senior Officer, I, XXXX XXXX, hereby declare that XXXX XXXXXXXX XXXX has defamed my reputation by reporting several accounts. Furthermore, XXXX XXXX XXXX keeps slandering and abusing me. I hope you can righteously restore my reputation and help me recover from this grevious crime committed by this institution by deleting all inquiries and accounts from XXXX XXXX XXXX. 
Sincerely, XXXX XXXX
XXXX XXXX claims they are charging % 27.49 interest rate on my XXXX store card but they actually charged over % 60 interest on my last two billing statements.

When I contacted XXXX XXXX they continued to insist that 60=27 and they declined to credit me. They say my promotional rate for purchases has run out and as a result the interest for purchases made 3 months ago is accumulated and that is the reason that 60 = 27. I can understand a promotional rate running out, but when they continue to insist they are only charging one rate while the math shows they are charging another rate, that's absurd and insulting.
Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. Equifax and XXXX  removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  XXXX XXXX
The Cash Store continues to call me while I am at work, even though I left XXXX messages telling them that I work from XXXX-XXXX Monday through Friday and may have to work some Saturdays depending on workflow. I just starting working at this job on XXXX/XXXX/XXXX and I am on probation until XX/XX/XXXX. I work in a call center environment and these calls are disruptive to me because I ca n't take their calls because I am at. I did speak an attorney and he advised they are suppose to call him during the times I asked them to. Their continuous calls are stressing me out and would rather communicate with them through written communication only. If I lose this job, then they will not get anything from me.
I seen this company on my credit report XXXX XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
I had identity theft. It was over XXXX worth on XXXX cards. From the target data breech. I am in my XXXX and always had a perfect credit score. Over XXXX. Well. The creditor which was chase freedom and capitol one XXXX agreed it was fraud. Along with all XXXX credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.
My XXXX mortgage ( account number XXXX ) closed XX/XX/XXXX I have been paying XXXX with my monthly payments but as of XX/XX/XXXX or earlier my XXXX ratio became was less than XXXX %. XXXXs letter of XX/XX/XXXX states when this principal balances wa reached, they would not longer collect XXXX. On numerous occasions in XX/XX/XXXX I spoke with their customer support staff. They would not stop the XXXX collection. I have received a XX/XX/XXXX escrow analysis that appears to indicate that the XXXX will not be billed. But there is not definitive wording to that effect..
I used Discover Credit Card ( {$1400.00} ) and several XXXX gift cards ( {$5000.00} ) to buy a product from XXXX and later returned. XXXX refunded all the money ( {$6500.00} ) to Discover on XXXX XXXX. And Now I have a total of credit balance {$7900.00} ( {$1400.00} from previous balance & {$6500.00} from this return ) on my Discover Credit Card. We have been asking Discover to mail us a check for the credit balance since XXXX XXXX. 
On XXXX XXXX, Discover opened a dispute on my account for the XXXX Return amount ( without informing us until I found out by myself on XXXX XXXX ). I uploaded the supporting file which is the online order payment summary screenshot, along with the XXXX refund policy, which states clearly that " If a credit card was used in combination with a Gift Card or XXXX Notes, the entire merchandise amount will be refunded to your credit card. " But Discover insisted that they have to contact XXXX and get a confirmation from them that the refund {$6500.00} is correct before they can send us a refund check for the credit balance of {$7900.00} on my account. 
In the Dispute Status, Discover said the investigation may take up to 30 days. However, when I contacted them on XXXX XXXX, they said 30 days is only for most cases. They said since they are still waiting for XXXX response so right now they are not sure when my refund can be processed. 
On XXXX XXXX I logged back into my account, I saw they changed the Date Updated for the Dispute Status from XXXX/XXXX/15 to XXXX/XXXX/15 but all the statement is the same and it seems they give themselves another 30 days to work on my case. 
All the Discover customer service reps we have contacted just stated that they can not guarantee when the dispute can be resolved. And they even refused to refund me the credit balance ( {$1400.00} ) which is not related to this investigation because they said the case is not closed so they can not refund me anything. We already spent more than 10 hours working on this with Discover. We called Discover XXXX number, live chat with their online customer service representative, sent email, contacted social media team XXXX and posted XXXX. None of this work.
To whom it may concern, My secondary mortgage was recently transferred to Shellpoint Mortgage. 

It transferred over on XX/XX/2018 I was supposed to be able to start making payments to you starting XX/XX/2018. It is now XX/XX/2018 and you have even failed to provide me with something as simple as an account number. I dont know what it is the hold up but I need to know ASAP as I am in the middle of a refinance with another bank. 

You either own my secondary loan or you dont please let me know.
The hospital I wen to never billed my insurance for this debt and did not notify me of any payment needed. I have changed jobs since then and no longer have the same insurance company. I contacted the debt collector and explained the situation to them, They have never contacted be about this debt nor have they responded to my inquiry. The only reason i know about this debt is because i pulled my report online.
On XXXX XXXX,2017 I was informed by an Equifax REPRESENTATIVE that they have update a status on my student loans to read bankruptcy. I never disputed these items nor did the creditor report this. The information was being reported accurately initially. What happened was the representative was negligent and did not read my dispute letter. The account I was disputing had nothing to do with my student loans. My students loans were being reported accurately. So the representative took it upon them without receiving correspondence from creditor or myself.