WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call from this company that left me a voicemail on XXXX/XXXX/2015 stating that they needed to verify my address to be served official court documents. I called the company back at XXXX, spoke with XXXX asked him to send me documentation thru the mail and cease contact until I have had a chance to dispute the account he told me that it does not work that way and that I will continue receiving calls thru the automated dialer until my account was paid. I requested his company info and he would not release that information to me and continued to harass me stating that I need to pay the bill and that they did n't have to send verification and he hung up on me once the conversation got heated. 
XXXX/XXXX/2015 @ XXXX received another voicemail from the auto dialer called the office again spoke with XXXX XXXX requesting my number be removed from the account he transferred me XXXX time and both time I was hung up on, called back a XXXX XXXX time spoke with XXXX XXXX he explained that they sent documentation the XX/XX/XXXX I told him I have not received anything and he needed to send it out again for me to dispute he then stated that I was just using a delay tactic and need to pay the bill I again asked that he no longer contact me and that I was filing a complaint he hung up on me again.
AMERICAN EXPRESS - have closed my account in the beginning of XX/XX/2017 without contacting me. They kept sending me the bills and at the same time they have put my card in collection. They started saying I had to make full payment to stop the collection and/or accept they high interest if I had a payment installment. For that reason I didn't make XX/XX/2017 payment and I contacted XXXX XXXX XXXX XXXX to help me negotiate the interest and have monthly payments I could afford. It was negotiated in XXXX and even though we had the agreement they kept reporting late payment to the credit bureaus. I would like it to be removed from my credit reports as I made payments agreed on time and I have a proof of it. Also, if they could remove XX/XX/2017 late payment as well, as I believe I though the minimal payment was done and they never notified that it wasn't. I feel very hurt my American Express because they have put my account in collection without first talking with me about it and trying to find a great and fair agreement.
I saw several transaction notifications in the morning of XX/XX/2018 on my PayPal account. I did not make or authorize any of those transactions. I attempted to contact PayPal immediately but the Customer Support was not open. I changed the password of my PayPal account as a precaution and once the Customer Support was open, I called and reported the unauthorized transaction and that the last transaction that was authorized by me was on XX/XX/2018 for a {$10.00} purchase and any and all transactions after that date were unauthorized. 

The PayPal agent I spoke to on XX/XX/2018 assured that all the transactions would be reversed. 

But on XX/XX/2018, I received a notice from " XXXX XXXX XXXX '' saying I owe PayPal {$1400.00}. I called PayPal again the same day and asked why I received the notice. The PayPal customer service agent said she has filed another case and all the transactions would be reversed. 

On the morning of XX/XX/2018, I saw that the transactions were noted as reversed but the account balance on the PayPal account still shows - {$1400.00}. 

Whenever I try to call PayPal customer service, after providing the information needed to validate the account, the automated phone system states that the account has been placed with a collection agency and I need to contact them directly and it redirects my call to them. It does not allow me to talk to PayPal customer service.
Citi cardsswitched me to electronic billing in XXXX 2016 to save the trees. However, they didn ; t send us a single statement after this either electronically or by mail. Since we pay bills through our credit union, Citi card payments have been steady and paid every single month. We could not get the eBill function to work like with every other lender, but it didn ; t seem to matter until today. I got a call from one of their collectors, and Citi was " getting the payment a day or so late each month. '' For this, we have been charged {$26.00}, and {$37.00} a month for as far back as I could look. I had no idea because we can ; t seen to get through to them electronically, we do n't get statements, and since I 'm XXXX XXXX XXXX - it does n't do a lot of good to call them. Their collector demanded to know where our payment was. I looked at XXXX and saw the payment was posted late last week, but because it does n't post immediately, here comes another late fee. And since we never saw the updated card agreement, how can they legitimately increase the late fees from {$26.00} to {$37.00} anyway? All while we send them {$200.00} or {$250.00} a month? This is wrong on more than one level. Also, how can they call my cell phone at work when I never authorized them to call my cell phone? Why ca n't they just send me a letter???
On XX/XX/XXXX I checked my account and had {$430.00} to use for the week. 
I used my card XX/XX/XXXX, XXXX for everyday purchases most of them under {$20.00} Upon Checking my account XX/XX/XXXX on my payday I had several overdrafts and fee 's. 
I contacted Chase Bank 3 separate times on XX/XX/XXXX without resolution to try and have the overdrafts reversed and I was told I need to monitor my account better, get savings protection, and they couldn't reverse any of the 12 overdraft fee 's? 
So basically they took {$400.00} dollars from me - Most of the overdrafts were {$5.00} and/ or below {$20.00} they charged me {$34.00} for each and every one of them - I want my account to be refunded all the fee 's they charged and I will be taking my banking elsewhere I can not be robbed of money by some useless bank! I will also be talking, posting, yelping, and telling everyone that JP Morgan Chase scams hard working professionals such as myself out of their money with fee 's!! it's not as if in a day or two Chase lost any money due to my account being overdrawn as my payroll check was deposited and the problem was solved. I am very upset with their practices. If my money is not returned to my account I will retain an attorney to file a lawsuit with this banking institution.
was improperly served summons was served to someone i did not know sent the company signed lease agreement for where i was living during service of summons still threatened to garnish wages offered 75 % sif or payment plan they refused
I made some large purchases and then suddenly the bank closed my account so I can't redeem the cash back anymore. I should be getting {$350.00} cash back from the account.
Dear Credit Bureau : I pulled a copy of my credit report and noticed a fraudulent account. 

Creditors : XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX  Account : Reason : i I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) I have submitted request to Consumer Financial Protection Bureau to received documentation regarding these matters and the companies have not responded in a reasonable amount of time. These fraudulent accounts were not authorized by me.. 
Thank you. 
Attached is the police report and Identity Theft Report.
Prior to being late with XXXX {$110.00} zero-interest motorcycle loan payment to XXXX XXXX XX/XX/XXXX, my credit score had been in the high XXXX. As soon as the late payment came to my attention, I immediately made up the payment in XX/XX/XXXX, however by then that mistake had caused my credit score to drop by XXXX points. After contacting XXXX about this their initial response was to go speak to the credit reporting agencies because " there 's nothing we can do about it '' while the credit reporting agencies would say the same about XXXX XXXX. Extremely frustrated, I wrote them an angry email, to which they sent me a letter acknowledging their mistake. However, my credit score is still in the low XXXX and my payment and credit history has been stellar as before my late payment. My wife and I are very upset about this incident - since we are trying to refinance, my much lower credit score is affecting the interest rate that we 're being offered by as much as one percentage point. 

Attached is the letter acknowledging their " system error '' and my FICO credit score history from my most recent XXXX XXXX statement. As you can see my score was an XXXX prior to the one late payment, and even though as of XX/XX/XXXX it shows that it 's gone back up to XXXX, for a reason that no one seems to be able to explain, this score is not reflective of the score that the lenders see when they pull my credit ( the lender is using Transunion 's Classic XXXX FICO model ). My median credit score provided to lenders is still XXXX, which is still too low to qualify for an optimal interest rate. I wish someone could explain to us why there is more than a XXXX point difference between what the credit score I receive and what the lender receives.
Original creditor is XXXX. I joined XXXX ' in XX/XX/XXXX. The agreed upon terms were a forgiveness of the original debt and removal from my credit files from all three ( XXXX, XXXX, and XXXX. ) The Collection Agency is Credit Protection Association of XXXX TX. I met XXXX terms in XX/XX/XXXX. It is now 15 months later and Credit Protection is still reporting this debt as 'OPEN ' unpaid on XXXX . They are reporting this debt as 'Closed ' paid on XXXX , and XXXX. They HAVE NOT removed the debt from any of the credit files, as per the terms I agreed to with XXXX originally. I have been declined credit recently because of this inaccurate reporting, reason stated 'Collections ' on your credit report. 
I have contacted Credit Protection Association twice via email, and numerous times by phone and have had no response from them. No one ever returns my communication.
XXXX XXXX is reporting to my XXXX  report that I opened an account XX/XX/2017 for a balance of XXXX. I did not opened an account during that time. I have requested they send me a contracted with my signature on that date and they have yet to do so. This debt is not mine. I would like to them investigate this account providing me with documentations and signed contracts of an account that was open on said date.
Continental Credit CTR is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.
I took out a payday from USA on line and paid them back through my checking account. I started receiving threatening phone call and eventually from a XXXX XXXX who stated he was an attorney and my case was going to be filed in court on XX/XX/XXXX unless I pay XXXX XX/XX/2011. He had me to purchase a XXXX card and fax a copy of my ID and a note stating the last XXXX of my SS # and that I was making a payment in the amount of {$550.00}. Every year since then I keep getting these phone call. Now XXXX XXXX is calling my home, relatives and work threatening to take me to court for this payday loan that is already paid back years ago.The lady stated her name was XXXX XXXX at XXXX and XXXX. I do not owe these people.
I have disputed this information with Experian multiple times and they are refusing to remove the account from my credit report
I frequently email, call and respond to them trying to get an income based repayment plan but they have been no help to me at all. They put me in forebearance for 2 months and attached it to my credit report. Not to mention i left that college 2 months after enrollment and cancelled out my loan but they said they could n't help me being the school signed off as me being there. I never saw any pell grants on top of that.
I recently received a fee for an item that was paid XXXX/XXXX/16 from my Bank BB & T, even though I had and still have more then enough in my checking account to pay the check. The system in which BB & T executes their overdraft fees is very suspicious. 

The person at customer service at BB & T said I received the fee because on XX/XX/XXXX the check was sent for payment. Not only did I have enough in my account to pay the check, but I also had a cash direct deposit that morning and another XXXX/XXXX/16. Throughout the weekend I used my debit card watching to make sure the funds were still available and even made a deposit Saturday morning just in case. The banks methodology is that throughout my transactions that weekend, all of my " debits '' worked against me and I did not receive credit for my deposits reasoning their over draft fee but that seems very in genuine ; all while not being notified that a check is posting to my account. Instead it posts 3 days later along with an overdraft fee. 

First, if the bank wishes to apply the charge on XX/XX/XXXX rather then XX/XX/XXXX I feel that should have been reflected on my account that day and not XX/XX/XXXX, since, as stated my account could handle it. Hiding this information has no real substance other then keeping the consumer in the dark in order to have them slip up. Also, their " voodoo '' accounting of what counts for that day and what does not sounds very heavy handed in order to reach an outcome in which they profit. As their customers, we deserve some visibility to situations happening with our accounts, and deposits should carry as much weight as debits, even if they are " pending ''
Initiated the application process for a Wells Fargo credit card but did not complete the application process. I did not agree to the terms and conditions which were presented during the application process. When presented with the terms and conditions agreement page I closed out of the application.

Even though I did not agree or authorize an account to be created in my name I received a credit card approximately two weeks after initiating the application process. A balance transfer was made to another credit account which had a zero balance. This resulted in a balance transfer fee of {$270.00}. The initial balance of {$9000.00} was refunded to Wells Fargo. However, after multiple attempts at resolution I am still encountering resistance from the XXXX XXXX XXXX XXXX XXXX  on canceling that balance transfer fee and closing the account which was never authorized.
navient refuses to work with me in repayment, I was on an IBR plan and was able to maintain my monthly payments for a few years, then when I tried to reenroll in the program I had to submit pay stubs and bank statements, then was told I did n't qualify for the program and the only other option I have is autopay of {$420.00}. I can not afford this and repeatedly told them and a manager, only to be told " it does n't affect them '' I am able to afford up to {$250.00} but they refuse to do anything to help. over the last 8 years they have added an additional XXXX to my loan because they have refused to work with me during difficult times and unemployment. I am ready to just default and say forget it rather than, give them all of my money and live in poverty due to student loans. I NEED HELP!!
American express calls cell and home phones daily and repeatedly. I have told them multiple times about the hardships we have experienced over the last 2 years. We have been behind for about 6 months. I pay something every month and have arranged automatic payments monthly. The representative said I must pay something every time they call or they will not be able to say anything good about me.
In XXXX, as WaMu was being taken over by J.P. Morgan Chase, I was entered into a Trial Modification. Though we did not yet know what this was at the time, I was also " Dual-Tracked '' into Foreclosure. 

I was not given credit for my 18 months of Trial Payments that I made, or two full mortgage Payments paid prior to that Modification. I was forced to litigate against J.P. Morgan Chase, my lawyers and I protecting my Property from many Trustee 's Sales and aggressive actions to force me from my home. 

My loan, acquired by Chase when it took over all of WaMu 's assets, was on a property in a prime XXXX, CA zip code, a home that I had owned since XX/XX/XXXX. My loan was not a Sub-Prime loan. In fact, WaMu had held on to my loan as a positive asset, not bundling it and not selling it as a collateralizing and compromised asset. J.P. Morgan Chase now held that asset with no investors or lenders to answer to. 

After 4 years of litigating the matter, and after the Attorney Generals ' XXXX Dollar settlements with Chase and other lenders over Mortgage and Modification abuses, Chase finally made a corrective Permanent Modification of my loan. That 's the good news. 

The bad news and what I need your help with is that Chase added a {$230000.00} Deferred Principal Debt on the back end of my Principal Interest Bearing Loan. 

I challenged the additional debt that turned a {$620000.00} mortgage into an {$810000.00} debt, but was threatened once again with the imminent and still pending Foreclosure and Trustee 's Sale of my home. 

That was while the mortgage was once again being modified. Chase Collections was separately adding this additional burden, while threatening that were I not to accept it, I would lose my home. 

It was my understanding that this was not allowed, per the Settlements and Government Guidelines. I asked Chase to provide a breakdown of how it arrived at the {$230000.00} figure and it never provided a detailed accounting. 

Chase was essentially still punishing me financially for the very abuses that it and WaMu had prosecuted against me and my home. I honestly care not whether any of these abuses regarding my loan were international, but the results were nonetheless abusive. 

I have no issue with the Unpaid Principal Balance of {$540000.00} on the Loan. I need your help in removing the Deferred Principal Balance of {$230000.00}. 

That outrageous amount is only {$10000.00} shy of what I originally paid to purchase my home in XX/XX/XXXX. Chase once again took advantage of and abused even the good faith process of reparation that the Modification was meant to be.
I had an account opened at XXXX without my knowledge. My identity was stolen several times by unknown persons. There have been several ID complaints files with FTC. So I had to file bankruptcy because of the theft. I contacted ChexSystems about accounts at XXXX to be removed from file an the refused to remove. These accounts were discharged in a chapter XXXX XXXX/XXXX/2013. They want remove because bankruptcy was filed before they were reported to them. Well quite natural the accounts were closed way before they got reported.
ON XX/XX/XXXX16 I WAS ATTEMPTING TO MAKE A PHONE PAYMENT WITH MY PRE PAID CARD TO MY CELLULAR PHONE COMPANY BOOST. I WAS UTITLIZING THIS METHOD TO ESTABLISH A PAYMENT HISTORY VIA MY PRE PAID DEBIT CARD. AS I BEGAN TO FOLLOW THE PROMPTS FROM MY CARD HOLDER, I INADVERTENTANLY PUT IN THE WRONG ZIP CODE, AND I WAS DENIED ANY FURTHER ACCESS TO THE ACCOUNT DO TO THE FACT I HAD FAILED THAT PART OF VERIFICATION. AS I WAS INSTRUCTED TO START AGAIN, I GAVE ALL ACCURATE INFORMATION, AND MY PAYMENT WAS PROCESSED. IT WAS A SHORT TIME LATER THAT I SOON DISCOVERED THAT I HAD BEEN CHARGED TWICE FOR MY CELLULAR PHONE BILL. AS I CONTACTED BOTH PARTIES, MY CELLULAR PHONE COMPANY HAD ONLY RECIEVED XXXX PAYMENT, HOWEVER MY CARD HOLDER HAD INDEED PROCESSED THE FIRST PAYMENT, BUT PLACED A HOLD ON IT DUE TO VEIFICATION, AS WELL AS CHARGED A SECOND PAYMENT IN THE FULL AMOUNT, WHILE THE PAYMENT WAS APPROVED. AS I HAD MANY DISCUSSIONS WITH BOTH MY CARD HOLDER AND MY CELLULAR PHONE COMPANY, IT WAS QUITE EVIDENT THAT MY CARD HOLDER WRONGFULLY BILLED MY CARD AT THE ONSET OF MYINITIAL TRANSACTION WITH THE FULL KNOWLEDGE THAT I DID NOT PROVIDE ACCURATE VERIFICATION INFORMATION, AND FOLLOWED SUIT BY BILLING ME AGAIN WITH THE ACCURATE INFORMATION, HOWEVER MAKING NO ATTEMPT TO RECTIFY THIER PREVIOUS MISTAKE, AS WELL AS LAY BLAME ON MYSELF AND MY CELLULAR PHONE COMPANY BY STATING THAT THE FUNDS WOULD HAVE TO BE HELD FOR XXXX TO FOURTEEN DAYS TO ASSURE THAT THE CELLULAR PHONE COMPANY DOES NOT PROCESS THE TRANSACTION.
Exchange Collections Department claims that Transworld Systems Inc has a debt in which it was stated that I owed over {$9000.00}. That is totally impossible. Today I received a statement and the company was unable to pull up an account in my name or by the account number I provided. Something is going on that is not legal. I pay $ XXXXmonth as agreed when I found out about this, but this statement also states, If your debt is submitted to the TOP by either XXXX or the US Treasury ... then you may not receive another notice after this one before funds due you from the federal government are offset under TOP. I called these agencies today to inquire about this since I am making payments as I agreed that I would. I do not have anything to offset from the government, plus the balance changed by over {$6000.00} since I spoke to Transworld. Yet they are unable to find an account in my name. XXXX is the last person I spoke to. I dont know who this company is or what kind of scam they are pulling, but this is unacceptable.
For the last three weeks I have been getting letters from Target for collection of moneys owed. I do not nor ever had or applied for a Target credit card. The name is the same as mine, but speaking to a rep of the co?? the last XXXX of the license numbers are not the same. Also bank refused pay on checks. So they know this person is not me. I 'm in XXXX and the acct is in XXXX.Refuse to give out any personal info of mine as it is not my debt.I would appreciate any help at this time to resolve this matter.Hoping to hear from you soon. Thanking you in advance.
Many times overdue that is actually stated on my credit report does seem inaccurate and or confusing.
Checked my credit today XX/XX/2019 and saw that XXXX has not deleted the account.
XX/XX/18 I submitted a payment from my account for my mortgage to XXXX XXXX XXXX. Today looking at my bank statement XXXX XXXX double charged my account, causing an overdraft, although I submitted payment once. 
I contacted XXXX XXXX, and they denied this occurred.
J & L Teamworks p laced  XXXX  unknown accounts on my credit. I do n't know what the accounts are for- it does not state on my credit. All i know is that the accounts are not mine and i do not know whom they belong to.     I have lived at my current residence for the past 10 years and i have not received a collection or demand noti ce from J & L Teamworks, I dis covered the accounts while viewing my credit report.     I sent them  XXXX  certified letters which they have received but the accounts still remain on my credit and no representative from their company has reached out to me even though they my certified letters.