WillisBack/dataset-financial-user-claim huggingface dataset:
I took a loan out with XXXX over some professional audio gear, which I spend over {$25000.00} annually on. My intention was to simply use my bank card as always. However XXXX was plastered all over the companies website as an easy flexible payment option. I took the bait and decided to try their service. First of all this company is well known for its poor response and allowing a customers credit to suffer rather than work to solve a problem. I almost am convinced that their business model intention is to lower credit scores. All you have to do is read the nightmares about this company, and when you complain through XXXX online in which they are not accredited they simply reply with vague snarky reasons why the customer was wrong and it was their fault. I have a 35 year credit history and not one trade line on all three bureaus have ever had a negative rating in my life ... ( 35 years!! ) until XXXX. We had a mixup over the proper routing numbers to my CU and a payment was rejected, the payment then posted again and was rejected a second time. XXXX spoofs phone numbers from all over the USA to appear to be one of your employees on your cellular network of a random local city so I was unaware of being contacted. I received no SMS messages or any other collections activity until they just decide to repor negativity. Catching this I called them myself and paid the loan in full with my bank card.
I applied for a Care Credit card ( Synchronicity Bank ) in XXXX. The application was approved. I used the card once for an emergency veterinary appointment in the spring of XXXX and paid the balance in full over a period of a few months and have not used the card since that time. On XXXX XXXX, XXXX, my cat had a life threatening emergency so I took him to the vet. When it was time to pay for the charges, my Care Credit card was declined. Today, I spoke with Care Credit and was told that, some time in between last use of the card to present day, they ran my credit report and decided to close my account. I never received any notice of this and it caused a major scramble to come up with funds to pay for emergency care for my cat, along with undue embarrassment. Since the time of my application to Care Credit, my credit rating has improved and has not degraded. Therefore, the reason I was given does not ring true to me. I believe the card was cancelled due to inactivity and not carrying a balance. Perhaps they did not believe I was " profitable '' to them. But, to cancel the card without notifying a customer is absolutely inexcusable because many individuals rely on having that card in case of emergency, which is exactly why I applied in the first place.
upon looking at my Equifax credit file, I learned that an account which was deleted off has reappeared. When equifax update my report, by correcting my name, they added the collection account from XXXX back on. This account was deleted by the company. Secondly I never received any notification that this account was being put back on. I quite sure this is just an error on their behalf but I would like this to be rectified immediately. Also I have proof of the deletion that I will attach.
I HAVE BEEN A VICTIM of TRANSUNION AND XXXX  AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX  AND WILL WORK ON XXXX  BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL
I. XXXX sent me a letter dated XXXX/XXXX/XXXX stating 1 ) they had been retained by Wal-Mart, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked XXXX to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by XXXX regarding this matter. 


ISSUE : This firm stated they were retained by Wal-Mart. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX has extended this fraud into court.
I was provided with a quote for 4.25 % interest rate and 4.268 % APR on Monday XXXX XXXX, 2015 from XXXX XXXX at Wells Fargo Home Mortgage. On XXXX XXXX when I went to lock the rate the APR jumped to 4.291 %. When I confronted XXXX about this he had to look into and talk to his manager and pull some strings to get it back to the original price. I have since received a Good Faith Estimate confirming the 4.25 % interest rate and 4.268 % APR. Today, XXXX XXXX 2015, I logged in to my loan tracker on Wells Fargo.com and the " locked '' rate jumped to an interest rate of 4.375 % and an APR of 4.43 %.
Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 

On XXXX XXXX, 2015 Funding Suit Mortgage reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Transunion to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Transunion with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, PA and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. Thank you and Happy Holidays.
I made a large deposit ( $ XXXX ) into my checking account with Wells Fargo Bank. The deposit was made on XXXX/XXXX/16. The bank said the funds would not be available until XXXX/XXXX/16 which is 11 days or 6 business days. I called to determine why it would take so long to validate the funds when they run a batch process for deposits and withdrawals on a nightly basis. Their response was - that 's how long it takes, which is ridiculous in this day and age. I also inquired if I was receiving interest while the funds were deposited in my account but not accessible and the answer was no. So in addition to not be able to access my funds I am also not receiving the benefit of earning interest on my deposit. And although the interest is paltry even on the large deposit I made, if they are subjecting all of their customers ( XXXX XXXX ) to this arduous XXXX6 days validation of deposits and not paying interest at the same time, it is a significant impact on the consumer. Especially considering the are the second largest depositor in the XXXX.
In  XXXX  of  XXXX  I was rushed to the hospital by  XXXX . I am a unemployed  XXXX  veteran who only care it thought the VA and only income is my VA benefits. I worked out a payment plan with the hospital and was paying the City of Washington  XXXX  sporadically when I had extra money. When I had completely paid the hospital bill I contacted the City of Washington  XXXX  in  XXXX  to find out my remaining balance and to work out a payment plan. I was informed at the time that my account was being handled by Data MAX ICC I asked for a printout for my payment history which was faxed to me by Washington  XXXX . I was thanked for my wiliness to pay. My balance was  XXXX . I contacted ICC as instructed my Washington  XXXX . The  XXXX  was very nasty she informed me that I owe over  XXXX  dollars I informed her that I had a Printout for  XXXX  and proof of my current payment that indicated that it was not. After getting the mailing address to forward my payment and the rep updated my contact information She called on a regular bases to harass me and to remind me of the 200+ balance Her tone and abusive bulling lend me to tell her not to call me again and I will deal with the  XXXX  directly I was informed that my state income taxes will be garnished and I believed that ICC have garnished my state taxes for  XXXX  due to the fact I was informed that I will be receiving a lesser amount and will be notice in 10 day the reason.Nevertheless I made phone called back and forth to both the collection co and the  XXXX   in a  effort to work out this problem at that time  XXXX  continue making payments I made two payment of  XXXX  in  XXXX  and  XXXX  of  XXXX  I had a check made out for what would have been my final payment to the collection co for  XXXX   XXXX , however a phone call made to the  XXXX   ( I ha d made a total of  XXXX  call trying to get this resolved ) revealed that they were not getting payment from ICC. The rep for  XXXX  stated that they have also reached out to ICC to help me resolve this issue and felt they were right. Which does n't make sense since ICC worked for them. I was told that I was not the first to complain about ICC. This whole ordeal depressed me to the point I stopped trying until now. I have included some attachment however the bank does n't keep older files
I wrote to the comp any 3 times ( 2 ti mes by email (   XX/XX/XXXX   &   XX/XX/XXXX ),   they responded that they ca n't discuss via email ) So I sent an actual letter by mail on   XX/XX/XXXX   regarding a derogatory/collections item that I discovered on my credit report.  <P/> This refers to my  XXXX  account #  XXXX , loan date   XX/XX/XXXX ,  23 month term, that I believed, and also had received email confirmation that this was paid off  on  XX/XX/XXXX .   <P/> My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for   XXXX   off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.  <P/> This loan was paid off as  of  XX/XX/XXXX  which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be u ntil  XX/XX/XXXX  . I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.  <P/> After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.
I have disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from XXXX stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.
On XX/XX/XXXX a credit inquiry for XXXX  XXXX was placed within my XXXX, XXXX, and Tranunion credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called XXXX XXXX multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from XXXX XXXX. The inquiry was removed from XXXX and Transunion, but XXXX still won't budge. 

Now, the XXXX XXXX inquiry was reinserted to all three reports dated XX/XX/XXXX. I now have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my XXXX report, and one unauthorized inquiry on XXXX and Transunion ( XX/XX/XXXX ) - all from XXXX XXXX. 

I have NEVER held nor applied for an account with XXXX XXXX.
I have made my loan payment as agreed without fail. It has never been late and I still make the payment on time. But the company is reporting that I am over 180 days past due. I 've tried speaking with them but they do not seem interested in fixing the problem.
Paid OCWEN mortgage payments based on last statement received ( and on website ) XX/XX/XXXX stating the XX/XX/XXXX payment due. Payments commenced on XX/XX/XXXX, with a total of XXXX payments made. Now we are getting generic statements saying we owe differing amounts every month. Yet the website states we owe for the XX/XX/XXXX payment and are in the arears for {$9900.00}. Monthly payment is {$870.00}. Even if I am behind, since XX/XX/XXXX which I do n't believe I am the total past due is {$3500.00}. This is a far cry from {$9900.00} they say I 'm in arrears. Also sent a RESPA request to OCWEN in XX/XX/XXXX, certified letter, with a signed receipt and still have not heard from OCWEN. 
Looking at their accounting of our payments, it shows reversed payments, the suspense payments being made. When calls are placed to customer service dept, you never get the same answer twice from OCWEN.
On XX/XX/2018, a {$15000.00} charge was made on my now-closed XXXX checking account. This charge DID NOT originate from my Coinbase account. My Coinbase account was not compromised in any way as I have 2 factor authentication and new device security enabled that were both not triggered during that time. My XXXX checking account was also not compromised as I have new device security enabled that was not triggered during that time.

I have complaints out with the Illinois Attorney General 's office, the FBI IC3, and a local police report for this fraudulent charge. I also have an active claim with XXXX XXXX  regarding this fraudulent charge. Coinbase is not replying to either of these channels whatsoever.

I implore Coinbase to please seriously look into this fraudulent transaction with their bank XXXX XXXX XXXX so my funds can be returned to me. I will provide any evidence necessary to support my claim.
There was a count that was open with Capital One and the year of XXXX or XXXX at the time I was XXXX or XXXX years old I tried to dispute the account many times but count to one refused to take it off my credit maybe a XXXX ago or two XXXX ago I called Capital One and discuss with them that this was not my account and I 'm under age of the time the account was opened and I do n't know who opened the account the later who I 've spoken to was very very rude and she and she was pushy about the account she went ahead and told me that normally people who open account to other people 's names do not typically pay on these accounts which they made a payment or {$25.00} XXXX time so I want on to express to her just because someone made account when just because someone make a payment or account or {$25.00} you 're telling me my identity was not stolen she went on to tell me several purchases that were made on the account which I never made the told me that was sending letter in the mail to my house in an envelope from the credit room I never said the envelope in the mail from anyone I 'm sure this because I checked my mail daily looking for this note I think it is very unfair that someone opened a credit card in my name in at the age of XXXX XXXX XXXX I ca n't even get credit cards because someone decided to make a credit card in my name and that the credit bureau Capital One have in place we 're not protect people and help them thank you
I took out a Sallie Mae loan. I became XXXX while in school ( which I still graduated ) However, after my XXXX I was diagnosed with XXXX XXXX XXXX and could not work. They harassed me by calling me on SEVERAL different phone numbers. They have caused me XXXX XXXX and have threatened me with ruining my credit and my security. My mother had to file bankruptcy and she was the co signer, she was DISCHARGED from her debt, and they continue to contact her MONTHLY. I have had it with this company, giving them any money back makes my stomach TURN because they have been so EVIL. I do not even know what to do with them. They do not even have payment plans for struggling SINGLE mothers like myself, trying to work, do the right thing, and survive. I want them to leave my mother ALONE, she has been DISCHARGED of the debt. They are heartless company that I wish I would have never went with. They granted me a student loan in high hopes that this would happen.. to rack on as many fines as they possibly can. I have no intention of doing something about this matter. I will not succumb to their evil behavior to the working class people who are WILLING to pay back these loans, on a PAYMENT PLAN. Life happens, I had a child, shes XXXX now, I work 40 hour weeks, and barely have money for my bills, let alone a huge bill they keep sending me, along with harassing my mother.
XXXX XXXX with Evergreen Professionals called one of the XXXX offices about me to collect a debt.

1. I am not allowed to take calls at work as that is a misuse of state resources- I've shared this with him before yet he fails to comply 2. The deparrment he called I no longer work at. He made the lady who took the call very uncomfortable with there conversation 3. He announced he was attempting to collect a debt 4. He called my personal phone and left a message that he is collecting a debt- I don't have my name listed on the voicemail. That message could have been left for anyone.
Hello, I am currently receiving requests for wage garnishment from a debt collector for an additional amount that they were not awarded by my local court system. They have been overpaid for the amount that was awarded and actually owe me over {$500.00}. 

I have contacted the company that the original debt was with and it has been satisfied. I have repeatedly requested receipts for my payments from the debt collector and have never received XXXX. I have paid everything through my debit account so I know how much I have paid. I have requested a copy of my account showing where I owe additional money and they have never produced any documents. When I asked what the additional charge was for I was told that it was for " legal fees '', which were not awarded in the lawsuit. I said no you were not awarded legal fees and so they changed their story to " cover the interest on the account ''. They were not awarded any interest either and it is very clear in the judgement. 

So they have been trying to receive payment for items that were not awarded and they can not produce any documentation showing where I owe any additional amount. When I have spoke with their phone personnel no XXXX can answer as to what the charges are for? 

They owe me a refund which I want, I can produce the documentation showing what I have over paid. I 'm tired and frustrated that I have had to deal with these people and they seem to feel they can do whatever they please. I never denied having a debt and had made arrangements to pay the debt before going to court, However, the collection company refused to accept payments from the debt consolidation company that I hired. 

Last year I filed a complaint with the Consumer Financial Protection Bureau regarding the amount I owed and they contacted the original lender and an adjustment/credit was made to the account. I thought that everything was straightened out, and for the most part it was. But now I have this lingering problem that I need guidance in handling.
ACSCA has been att empting to collect on a debt using harassing and deceptive practices. This debt was involved in identity theft. The original creditor has sold this account to several collection agencies and this agency is the third. The original creditor was informed of the identity theft and received all documentation from the police regarding this debt.  ACSCA has   threatened to file a lawsuit against me by serving a notice at a different address and has also threatened to sue me in different cities to obtain a judgement. They are using dishonest, harassing and deceptive practices to obtain a debt that was involved in identity theft. ACSCA has also posted this debt on my credit reports without proper notification and t heir representative stated and threatened that they will keep posting the debt on all credit bureau reports until its paid.
My auto finance company ( Westlake ) hired a third party company to come, and reposes my vehicle on XXXX XXXX, 2015. XXXX XXXX, 2015 I paid a total of {$1500.00} in back payments and towing fess plus a XXXX months in advance for the upcoming months. When I went to retrieved my vehicle it had physical and mechanical damaged to it, and was not drivable I then contacted the finance company in regards to my issue. They were very unsupportive of my concerns. In response to the poor customer service I stated to the representative that I was surrender all rights to the vehicle due to a breach in contract, and I would like to be refunded for all towing fee 's alone with the two months in advance of payments. Plus the remainder of the loan debt to be cleared of my name, because the vehicle was no longer of service to me due their negligent. The representative rudely denied my request, and stated to me that I need to contact the towing company which they did n't even provide me with the towing company information. which brought me to you all for some legal advice or help with this matter thanks in advance for time and service.
I received a letter from XXXX XXXX first advising that due to change in credit score decreasing credit limit. XXXX XXXX just sent the exact letter that XXXX XXXX sent with a credit score of XXXX. It appears that Equifax is the credit reporting agency. XXXX has advised that there has been no suspicious activity however Equifax has continued to report out this wrong information. I do have a copy of credit report from XXXX which does not show anything to support this low score from Equifax