WillisBack/dataset-financial-user-claim huggingface dataset:
I had a personal loan with Best Egg that I originated online and paid automatically on a monthly basis through my checking account. About one year into the 36-month term of the loan, we refinanced our home, and the lender added a condition that the Best Egg loan balance must be paid out of escrow funds before our refinance would close. 

On the day the refi was funded - XX/XX/2016 - the escrow agent called Best Egg and attempted to make a payment. He offered to do a wire transfer and was told that it would not be acceptable. He offered to do an ACH payment and was told it would not be acceptable. He even offered - with my blessing - to log into my Best Egg account and initiate a payoff from there. He was then told that all of these options would be unacceptable, and the only way that Best Egg would accept a payoff was via check, mailed to their address. 

Here 's what Best Egg did not say : They charge daily interest, so every day that goes by without receiving my payoff, they charge me more money. Each day, almost {$10.00} - I believe it was {$9.00} to be exact - was added to the loan balance. So they did n't receive and credit my payoff until XX/XX/2016, resulting in {$39.00} in extra charges to me. I feel that this is unacceptable and almost fraudulent - they engineered a process by which they could tack on a few extra days ' interest to every single loan payoff, and did n't even have the courtesy to tell the escrow agent that this is what would happen. As a result, they never considered my account paid off - rather, they now consider it to be delinquent with this minor and ever-increasing interest balance. 

I contacted Best Egg this morning, XX/XX/2016 and spoke with " XXXX. '' XXXX informed me that they are unwilling or unable to adjust the interest charges, and this is just how their process works. Despite being fully able to take electronic payments on a monthly basis from my checking account, electronic payoffs just are n't allowed because - XXXX 's words - " our systems just ca n't handle it. '' So apparently I 'm supposed to pay this extra interest, based on a payoff date of XX/XX/XXXX, even though my agent was on the phone XXXX days earlier offering up numerous electronic payment options? I think this is outrageous.
Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Thank you.
I have a chas XXXX Rewards card where I make full automatic monthly payment. On XX/XX/XXXX Chase bank flagged my account for not paying the the bill on timr. I am Not sure why my automatic payment go through. It is their systems fault for not processing right. The balance of {$100.00} did not go process and Chase flagged my account for late payment. Please fix this issue.
Viewed my credit report and notice a collection account by Diversified Consultants, Inc. was appearing on all three major credit bureaus ( XXXX, XXXX, XXXX ) in  which they say I owe {$770.00} ( Account # XXXX ). I wrote my initial letter dated XX/XX/18 informing them this account was not mine and Im filing a formal notice of dispute. I requested validation bearing my signature showing I have some contractual obligation, also the name and phone number of the person they spoke to when verifying this account. 

Diversified Consultants, Inc. responded with a letter dated XX/XX/18 that the account was valid and enclosed a copy of a statement which could have been printed out on any computer by anyone. They failed to provide validation bearing my signature showing I have some contractual obligation, also the name and phone number of the person they spoke to when verifying this account. 

I sent them a second letter dated XX/XX/18 requesting viable evidence of the debt. Informing them that an employee looking at their computer screen, seeing my name listed in their database is NOT verification according to the law. 

Diversified Consultants, Inc. failed to respond to letter 2 dated XX/XX/2018 within the 30 day timeframe, also failed to provide the credit bureaus with a Notice of Dispute within the 30 day timeframe according to the FCRA. 

I sent them a third letter dated XX/XX/18 informing them that according to the FTC as per opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I also informed them that due to several attempts to provide viable verification I was filing a complaint with the CFPB due to their negligent actions. 

Diversified Consultants, Inc. responded with a letter dated XX/XX/18 saying yet again that the account was valid with a printout statement, but provided no viable evidence.
AD Astra Recovery services purchased this debt when in fact the account had already been closed and the contract was cancelled. They are trying to illegally re-open the debt that is over 7 years old. It needs to be removed off of my credit report.
XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX XXXX, etc over XXXX XXXX XXXX, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my XXXX XXXX tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Report # XXXX Please remove false information from my credit file.
We have been receiving debt collection call from Bank of America Home Loans and related third party vendors for well over XXXX 7 XXXX months for a debt, which is not ours. We have called the BOA Home Retention Division, as instructed on the collection calls, at XXXX on XXXX ( XXXX ) separate occasions requesting that the calls be stopped including calls on XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. On XXXX XXXX, 2015, we faxed and mailed a letter to BOA Home Retention Division as instructed XXXX BOA Home Retention Division supervisor, at facsimile XXXX and mailing address XXXX XXXX XXXX, XXXX, FL, XXXX. We continued to receive calls from a BOA third party vendor on XXXX XXXX, XXXX, & XXXX, 2015 and on XXXX XXXX & XXXX, 2015. We have detailed records of all calls and correspondence starting on XXXX XXXX, 2015 when we decided that we had to do something to make the calls stop. The calls are for the Estate XXXX. We do not know XXXX XXXX nor or we related to XXXX XXXX. The phone number, which BOA is calling, has been our home phone number for almost XXXX years.
On XXXX/2017 I sent XXXX and also XXXX  and letter of dispute pertaining to a debt that I received from, National Credit Systems , Inc.. They wrote me back saying that it was verified, however, they basically ca n't send me proper verification that the account belong to me. The amount they 're saying I owe is {$1200.00} and it is my understanding that XXXX and XXXX should recheck the items with the creditor who posted it on my credit.
Periodically TD bank does not email me nor do they send me a paper statement when my credit card account is due. It happens every three to four months. I call immediately and pay over the phone. I requested both forms of notification from them so this does not happen. I also have my checking account with this bank for many years. They tell me that they will waive the late fee and adjust my account well this month it did not happen so again I have to call them and complain. They give me idiotic excuses. I am tired of this and I seem to think it 's a scam to produce more revenue. If they are doing this to other people that can add to XXXX of dollars. I have other credit cards and I am at 100 % of paying my debt on time. Please .... I am so tired of this and I do n't want to switch banks because they are convenient and I have been with them for years. I am a XXXX year old women who works hard for her money and I will be XXXX if I let them get away with this over and over again. absolutely no problems with any of my other creditors and it 's a card with only {$1000.00} on it. I also have direct deposit with this bank. 
Thank You, XXXX XXXX XXXX Home XXXX Work
At the Home Depot XXXX # XXXX store ( in Arizona ) in XX/XX/XXXX, the cashier offered me a discount if I signed up for a Home Depot credit card. I did so. The charge for the purchased products at the time was about {$50.00}. 
On the morning of XX/XX/XXXX I received a call from Citibank asking for a payment of over {$150.00}. Between XX/XX/XXXX and the end of XX/XX/XXXX, I have not received any information about the account - including a physical card, statements, account number, etc. 
When I asked them to remove the late fees and interest charges, they refused to do so, even though they never provided me with any payment information prior to this time. I have asked them to cancel the account. 
Unfortunately, I can not provide any specifics since I have no documentation from the company or any kind of access to an online account.
I am dealing with www.Remitly.com. This website lets you send money to several countries. I sent {$510.00} to foreign country. After 3 days they claimed recepient account information is incorrect. 

So I asked them to allow me to fix it. Their website does not have ability to even view recipient details after a recipient is set up. And there is no way to amend it. 

They insist on amending recipient details on phone only. Without showing me what are the recipient details they want to amend on phone. Which makes it VERY suspicious scam to hold money as long as possible. 

Given this frustrating experience, I asked them to cancel transaction!!! And it takes them 10 days to cancel it. 

This is nothing short of scam. Money transfer services must be regulated further.
I have repeatly call and written Transunion telling them that I do not work for XXXX XXXX a XXXX home. There is no XXXX, no Human Resources that will and can verifiy this lie. So I do not know how they keep saying verified. They keep constantly putting this information on my credit report.
My minor daughter is an authorized user on my credit card, and her credit card company reports her activity to the three credit bureaus. According to Equifax, her personal information was exposed during their recent data breach. However, when I attempted to sign her up for the advertised free data monitoring, the Web site refused, stating that " Equifax does not typically have information associated with minors. '' ( https : //www.equifaxsecurity2017.comXXXX ) I received the same information from the call center.
wells fargo has been giving me a hard time and the run around about my mothers loan i inherited the property and wells fargo has made me successor of interest on the account. everytime i call prose i get a hard time I was told their was a open ligation on account. WELLS FARGO FILED THE FORECLOSURE CASE. I APPEARED IN COURT THEIR ATTORNEY TELLS ME TO TALK TO WELLS FARGO TO MANY GAMES. MY RIGHTS ARE BEING VIOLATED BY WELLS FARGO. I DONT HAVE A ATTORNEY IM THE SUCCESSOR OF INTEREST SEE ENCLOSED DOCUMENTS THEY ARE BEEN VERY BIAS I NEED A POINT OF CONTACT TO TALK AT WELLS FARGO UNTIL MY LOAN IS REINSTATED EVERYTIME I APPLY FOR A LOAN MODIFICATIONS I GET DENIED FOR DENIAL LETTER I COULDNT AFFORD SECOND TIME I CAN AFFORD THE MONTHLY PAYMENTS I WAS DENIED AGAIN. SEE ENCLOSED DOCUMENTS I WAS APPROVE FOR HARDEST HIT IF THE REINSTATEMENT AMOUNT WAS UNDER 35,000 WELLS FARGO PUT ON ILLINOIS HARDEST HIT PAPERWORK OVER 35,000 WHEN I WAS PROVIDED A PAYOFF AMOUNT OF XXXX THEY ARE NOT BEING FAIR AND IS VIOLATING MY RIGHTS EVERYTIME I APPLY FOR A PROGRAM THE FIX IT OR SAY IM NOT ELIGIBLE PAYOFF ENCLOSED AS OF YESTERDAY HOW DID IT JUMP FROM XXXX TO XXXX THAT TELL ME THAT THEY ARE OUT TO TAKE MY HOUSE I PROVIDED PROOF AND ANOTHER CONCERN I HAVE IS WHERE IS PROOF OF CLOSING CHECKS THAT PREVIOUS MORTGAGE WAS PAID OFF IT SHOULD BE A COPY OF CLOSING CHECKS OR WIRE TRANSER ON XX/XX/XXXX I NEVER RECEIVED ANYTHING SHOWING ME CHECKS WERE PAID XXXX XXXX XXXX IS CLOSED DOWN I STRONGLY WOULD APPRECIATE COPY OF CASHED CHECKS FROM THE REFINANCE AND CASH OUT IF XXXX XXXX RECEIVED A CHECK OR ANY BILLS WERE PAID IT SHOULD BE A COPY OF CHECKS THAT WERE PAID AND CASHED PLEASE STOP REFFERRING ME TO A TITLE COMPANY THAT IS NO LONGER IN BUSINESS I NEED PROOF OF PAYMENT ACTUAL CHECKS COPYS OF THEM BEING CASHEDYOU DIDNT THROW IT IN THE GARBAGE LOOK IN YOUR MICROFILMS I NEED HELP COMPANY IS NOT WORKING WITH ME THEY ARE TAKING ADVANTAGE OF ME. BASE ON CFPB RULE I CAN TAKE OVER THE MORTGAGE IM NOT GIVING THAT OPPORTUNITY IT IS A ASSUMBABLE MORTGAGE THIS COMPANY NEED TO BE MONITORED PLEASE READ MY ENCLOSED DOCUMENTS YOU WILL SEE THEY NEVER TRIED TO HELP ME EVEN WHEN I MAKE MORE MONEY IM STILLED DENIED EVEN WITH HARDEST HIT WELLS FARGO PUT THE REINSTATED AMOUNT MORE THAN WHAT I WAS GIVEN SO I WOULDNT QUALIFY AS OF YESTERDAY AND TODAY THE PROVIDED THEM WITH OVER 35,000 HOW IS THAT AS OF YESTERDAY XX/XX/XXXX IT WAS XXXX THIS COMPANY IS VERY CROOKED AND AGAIN UNFAIR. I NEVER BEEN GIVEN A CHANCE TO GET ON A REPAYMENT PLAN. IM VERY UNHAPPY AND PRAY FOR RELIEF I DONT DESERVE TO BE TREATED THIS WAY I CANT EVEN CALL ABOUT MY LOAN. LEGALLY OWN THE PROPERTY THEY CAN TALK TO ME THEIR LAWYERS TELL ME TO CALL THEM XXXX XXXX AND HER SUPPERVISOR NEVER CALLED ME OR WROTE ME I NEED HELP IM BEING DENIED THE RIGHT TO GET INFORMATION ON MY ACCOUNT AND IS BEING DENIED A PAYOFF QUOTE I ASKED FOR ONE TODAY I WAS TOLD I COULDNT GET ANYTHING ON MY LOAN SO WRONG. COMPANY HAS SHOWED ME THEY OUT TO MY HOUSE
I have a series of complaint against Capital One selling me credit card protection insurance and not providing services. We have not arrived at a settlement. 
XXXX XXXX XXXX completed about 7 weeks of research in my case and piggy back on XXXX XXXX XXXX work that I was notified in my bill about steps to take to filed for insurance protection -- See their CFPB response letters and bills attached. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Per XXXX XXXX XXXX : " Additionally, you have concerns about not being informed of Payment Protection services on your account when you were unemployed. Please understand, we advise our customers on their monthly billing statements, when delinquent in their payments, that they may be eligible for benefits to be paid to their account per the terms of their Payment Protection agreement and include the contact information to investigate benefit availability. Our records indicate we advised you on your statements of this information, which are enclosed for your reference.. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IT WILL BE INTERESTING HOW THIS PARAGRAPH WILL BE EXPLAINED IN COURT WHEN THE EVIDENCED IS INTRODUCED. CANT HAVE IT BOTH WAYS. 

Their own evidence indicated that their are providing false information. Please see their bills that they have attached as a response to a CFPB complaint. They made no mention of the insurance program. They just wanted to be aggressive in collecting due amount instead of notifying me that arrangement can be made through the insurance. 

Thus, again this is part of my proof that Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed or disable. Capital One made monetary restitution. The representatives were more interested in hounding for payment instead of applying the protection benefits. 

I am determined to exposed the fraud that was committed.
I have repeated been in contact with the company : NCA - National Credit Adjustors NCA # :  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX I have reponded to all phone calls and correspondence by this company to explain that this debt has been settled with the original creditor. They continue to harass, report negatively on credit, and attempt to collect a fraudulent amount. 

They are purchased this debit in hopes of gain
I have disputed these charges for XXXX XXXX XXXX on my credit report to all XXXX credit bureau 's. 
Just been informed as I was trying to buy a house that just recently this judgment was on my report. Judgment is from XXXX and I have a judgment that stands on my credit report that was not from me. the evidence given by ascend shows checks signed by me. The check signature on back is not my signature or known facility of business on check. the check is made out of XXXX XXXX XXXX, I do not use my middle name ever!. also documents state that I was sent many letters that I never received or seen a sheriff come to my house and serve any papers. At that time I worked 16 hours a day. Working an going to school. From the attorney she stated I will be getting recurring interest since I called about the issue XXXX/XXXX/XXXX. She says the total is now XXXX so I am very confused how this judgment has changed so drastically in a matter of months. I need help figuring this out cause XXXX XXXX is not assisting besides pay the debt and I have numerous time said this debt is not mine. Even if it the judgment came off i was told that ascend will not remove it, so i am XXXX no matter what.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MN XXXX, ( XXXX ) XXXX has been reporting my account with XXXX XXXX using a fraudulent open date. the last open date was XX/XX/XXXX the last time the account open was XX/XX/XXXX, the account should have been deleted after 7 years ( XXXX ). Each year XXXX uses a new open date, which means someone is using my information to continuely open a new XXXX account in my name. I have tried to file a dispute with Trans Union but their website does n't allow it and I called there XXXX number to file a complaint they took my information but nothing has happened. I have also filed a dispute with XXXX and it has n't been removed my report either.
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I have a credit card with Huntington National Bank that was recently purchased from XXXX XXXX XXXX. During that transition, there were charges and payments made on that account which were not made by me running the total up to {$58000.00}. I disputed these charges with Huntington and 3 days later they sent me a letter saying they could not verify those were not made by me. I asked them to be re-investugsted which they refused. Now I have a balance of XXXX on a credit card that the limit was XXXX and they are reporting me 90 days behind on payments. I have attempted to get statements from them but they have restricted my online access so I can not see the statements or what was charged. This is ruining my credit. This account was open for almost 2 years with no issues and Hintingting takes over and now there are issues. They told me that there are payments made online through a XXXX account that were returned, I have never had a XXXX checking account. I want those charges removed from my account that were not made by me and my payment status updated.
XXXX XXXX XXXX has placed a collection acct onto my credit report without any prior notification. I do not own nor have I ever had any credit card with this company. I would like copies of a credit application along with any identification used to fraudulent obtain this debt. I also would like this removed from all three credit agencies immediately. I have previously been a victim of Identity theft.
A gentleman just called me, for the fourth time in 24 hours, and told me he was Mr. XXXX calling from a law firm in an attempt to settle my debt with XXXX XXXX before a summons was sent out this Friday against me. That I would be charged with the legal fees as well. I told him I had received no such bill or any correspondence to this matter and he stated that he sent it to two addresses easily taken from my background check that he already stated he did on me, and had " assumed '' I received them. I asked him to send it again, certified mail, so we both know for a fact it was recieved. He said that was not possible. I told him I will be happy to contact my lawyer to sort it out after receiving an invoice or any proof and making sure it was a legitimate issue that had not been resolved. He stated he will put that in my file and let the company know.
I signed up for a basic checking account from citibank under the impression that I could avoid the $ XXXX monthly fee if I set up automatic bill pay. This seems to be accurate when I searched my fee history from XX/XX/XXXX-XX/XX/XXXX for the most part ; however, on XX/XX/18, XX/XX/18, and XX/XX/18, I was charged a monthly service fee of {$25.00}. On XX/XX/18, the {$25.00} fee deducted on XX/XX/18 was returned to my checking account. 

I was wondering why Im randomly being charged a $ XXXX monthly fee, as I never signed up ( and would never sign up ) for the the checking account that requires a combined balance of {$10000.00} across various citi accounts. Furthermore, since I have never even met this requirement while being a citi customer, wouldnt I see a $ XXXX  monthly service fee every month? 

I also have never been charged ( from what I can see on the website ) the $ XXXX   monthly service fee either, which I assumed was due to the fact that I made sure to set up automatic bill pay immediately after opening the account to meet the requirements for avoiding the fee for basic checking. 

When I chatted with a representative online, they were unable to provide any relevant information.
I was first contacted by Machols & Johannes in XXXX. I disputed the debt and asked for clarification of the debt which I never received. I was not notified to appear in court and a judgement was done against me for wage garnishment of more than {$1000.00} dollars per month. The garnishment was taken out 3 times in XXXX ( I was told I owe XXXX dollars from an old debt in Kansas from XXXX ) then the garnishment stopped. In XXXX XXXX the garnishment started again and a judgement was again done against me for wage garnishment. Again I did not get notified to go to court.
I have been getting repeated calls from callers saying they are with Transworld Systems for YEARS. I used an app on my phone to block the calls, but I switched to a new phone and now they are coming in. Every day they call, 3-6 times per day. For years I never picked up because the calls were blocked by the app, but they would leave messages saying they were from Transworld Systems. 

I finally picked up this week. I told them that I did n't have any past due debt. They told me they were collecting for a debt owed to XXXX XXXX XXXX XXXX, but the person on the phone would not give me any more details about the debt. I checked my XXXX XXXX account and called them, and both online and on the phone they confirmed that my student loan debt was paid off years ago and there are no problems. I asked the person on the phone to stop calling and sent Transworld a cease and desist letter. I have of course never received any written information about the debt and they would n't give me any details on the phone.
I missed a phone call from First National Collection Bureau. Called them back. The lady that answered the phone proceed to start yelling at me when I told her that the debt she was trying to collect was over 10 years old. She started to cuss at me, telling me that my rights did n't matter and that she would be collecting the debt one way or another.