WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, my friend purchased a {$300.00} MasterCard gift card ( plus {$5.00} in " fees '' ) at a local grocery store ( XXXX ). According to the packaging, it was issued by the US Bank National Association. She gave it to me later in the month or early XXXX. In XXXX, I decided to use it. The instructions said to to register it online prior to making an online purchase. I attempted to do so at XXXX - the site listed on the packaging. The site told me they could n't find the card so I called the customer service number - XXXX. According to customer service, the card was not activated at the point of purchase and I was directed back to the store. I went to the store ( WITH the receipt for the gift card ) where the baffled manager said he could n't help me and HE called the customer service number and they advised him I should call back with instructions. I returned home, called the number, and the rep told me I would have to fax the receipt, along with a copy of the gift card ( front and back ) to the attention of " Gift Card Activation '' at XXXX. She said it would take 7-10 BUSINESS DAYS to activate the card. I did this on XXXX XXXX. On the XXXX day, the card was STILL not activated. I called AGAIN and the rep told me they would " escalate '' the matter -- but refused to find out if even the fax was received as that was a " different department. '' When transferred to a supervisor - she told me the same thing. ( But how can you " escalate '' something that is ALREADY late on your part?! ) She took my phone number ( which was already on the fax I had sent ) and said someone would call me back in 24-48 hours. After 48 hours passed without a call, I called them. The supervisor then explained that it was n't 24-48 hours in day time -- it was 24-48 hours -- BUSINESS HOURS. ( Have you EVER heard THAT? ) Which, he told me, would be five more days before I would hear about ANYTHING. This is OUTRAGEOUS! I asked him for the name of the company he worked for and he said, " Card Services. '' I asked for the physical address so I could put it on the complaint form to the XXXX Attorney General. He refused to give it to me and could only tell me that the business was located in XXXX. So, after being told the card would be activated in 7-10 business days, it was n't. Now I am " lucky '' enough to have this matter " escalated '' so it MAY be five MORE days before a single person calls me and will probably tell me " they never received anything. ''
I tried to unlock a credit feeze with Transunion both over the phone & internet. This company refused to assist me in anyway to expedite the unfreezing of my credit report. I was told to submit a copy of my driver 's license & a bill with my address on it & they might look into it in 5 days. Both XXXX & XXXX   provided the unfreezing of my account without this extreme vetting of my identity. There is no legal reason for Transunion to refuse to unfreeze the account without vetting my identity when both XXXX & XXXX had no problem assisting me either over the phone or over the internet.
I just received TWO alerts from XXXX stating I have TWO new accounts in collections. I have no knowledge of either of these accounts, and want answers ASAP. They are for the exact same amount, but were placed a few days apart from each other. The company name is almost identical in both cases with the exception of Inc., which was added at the end of 1 of the entries. There is NO phone number or account number for me to call to inquire what this is all about. I will provide ALL of the info I was given below : IC SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, MN I.C. SYSTEM INC. 
XXXX XXXX XXXX XXXX XXXX, MN collection IC SYSTEMS XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE IC SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX New collection I.C. SYSTEM INC. XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE I.C. SYSTEM INC. 
XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX Thanks in advance for your time and assistance. I hope to hear back from you soon. 

Regards ... ... ...
I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
on  XXXX   XXXX    XXXX  , I receive a mail from my bank state that I have a court order levies on my account, for the amount of  XXXX  of outstanding principal remains due and unpaid., assigne to whom this debt is owe i s ( palisades collection, llc ) J UDGMENT DATE  XXXX  .th  e sc am by the collection agency is using my old address @ the court in  oder for me  not know about it, until now he come after m e, 1 ] fo r a 10 years plus debt, I want to have a full detail of that debt, and how debt was made, and also how much  palisades  collection .llc paid for it. from who he brought it from?     XXXX   XXXX    XXXX   XXXX  of  XXXX  index  XXXX  plaintiffs palisades collection, llc defenda nt,   XXXX   XXXX    INDEX   XXXX
My mortgage loan of my house was sold to Caliber home loans and I have a sale date on XXXX XXXX, 2016. I am not being given a change to get any of the work out options to keep my family home. When I called I was told that I have a person who handles my account. Left few voice mails but no call back. I want to modify my loan but I am being told that there is not enough time to review for modification and sale date will not be postponed by customer service representatives.
My husband and I are XXXX. We purchased our first home on his VA loan cert 30 year fix loan in XXXX. We filed Chapter XXXX in XXXX after the housing market crashed. The CHXXXX was discharged in XXXX XXXX. The bank has not removed our names from the Title due to the Soldiers/Sailors Civil Relief Act. Stated although there was a court order lifting the stay, ( allowing them to foreclose or short sale ) they could not remove our names from the XXXX. We want to have our names removed from the XXXX and update our credit report correctly. Still shows this is ongoing debt post the ChXXXX discharge. Our BK Lawyer to immediately surrender the home. Our family of XXXX vacated the property in XXXX. We did n't know at the time we should have waited for the title to be transferred out of names prior to vacating the property. We trusted our lawyer 's advisement. This is a huge concern, because we understand we are liable for any accident ( s ) on that property. The bank has not foreclosed or short sales the home. We have filled out paperwork for a Deed in Lieu in XXXX XXXX. We have been renting since XXXX. Our current rental lease is up in XXXX XXXX and we would like to purchase another home for our family and maintain stabilty. We are not able to complete this process until our names have been released from the Title. We are both currently XXXX XXXX and are earning an increased salary. We are going to be stationed in this area until we retire. Please help us expedite this process so we can move forward and have a stable home for our family.
The Car Loan for XXXX Lincoln Navigator with XXXX XXXX was paid in full XX/XX/XXXX. XXXX will not dispute this. We recovered the vehicle before it was re-poed XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
These two items Barclays and XXXX XXXX is on my credit report but I have never opened up an account with Them I tried explaining that to them on several occasions but yet and still they have not produced any evidence that this is my account. Beside yelling at me over the phone by their associates. I would like this removed off my credit reports as this is not my accounts. 

Thanks. 

Ms. XXXX XXXX
Good Morning to whom it may concern I am submitting an Complaint that I have with XXXX  and Experian regarding XXXX XXXX account balance {$2300.00} this company is trying to collect a debt that I have disputed time and time again with them and the bureaus, along with the original furnisher of debt XXXX XXXX. However it always came back as verified with Experian saying they would no longer investigate since there is no additional info. I then sent debt validation letters to XXXX XXXX and XXXX XXXX and all that was sent was an account summaries. This is not a accurate or acceptable means of justiying debt per the Fair Credit Reporting act. And with them not providing any instruments of indebtedness, ie original forms of signature, electronic signature or voice recordings. They have to delete. Please hold them accountable and have them delete this off of my credit profile thank you
On or about XXXX 2015 Chase Credit Cards issued me a XXXX/cancellation of debt. I never requested the debt be cancelled and I was actually willing to work with them to resolve this debt. They advised me that they issued the XXXX because they made no effort to collect the debt. I contacted Chase to discuss this account but they were unable to help me which I will never understand. I do n't understand how their failure to attempt to collect an account becomes a tax burden on me. I never once asked for the debt to be forgiven, I created the debt and was willing to pay it they just did not want to collect it. Makes no sense to me!
In XXXX 2016, while living in XXXX I received a phone call from a woman in my hometown XXXX. She was trying to sell me a magazine deal paying {$40.00} a month with the reward of {$250.00}. I told her, while busy at work I was uninterested bc I was a single mom of XXXX & do not read mags nor have the money for it. She then went into how she also had XXXX daughters as far as where they graduated from & that she could get me the {$250.00} coupon for shopping online if I just paid the shipping/handling @ {$4.00} for XXXX kids mags for my boys. Due to being in a hurry at work & her convincing me there were no attachments I paid the {$4.00}. After never receiving the mags or {$250.00} coupon, a month later I was charged {$40.00} from XXXX XXXX XXXX. I called and spoke with a guy named XXXX. He then argued that I had 7 days to cancel upon that first call & bc I did n't was attached to a 2 year subscription of mags. I stated that I never signed anything, I never agreed to anything. How could I be attached to a plan I never signed or agreed upon with anyone. I argued & fought and said he was actually helping me, said he 'd note that I had 2 months to come up with the money and that he 'd lower the pay to {$20.00} a month. In the mean time I left my purse at a restaurant a few weeks later and had to get all new info. When XXXX 2016 hit and my card did n't work the phone calls began, I even got cursed at by a guy all the while I had told him everything all over again. My apartment had flooded, I had since moved and my apt had forwarded my new address. I spoke with 3-4 different people and I kept stating if you listen to all previous phone calls, which you state you have, you will know exactly what has happened. Each and every time someone new would call they said they never had trace of previous phone calls, they were horribly mean and after arguing I 'd end up crying or hanging up bc I did n't know how this was possible. They 'd state this was my fault and I needed to pay, after that went on I begin to get letter after letter stating I owed {$340.00} for what was remaining. I have had hundreds of phone calls from collectors stating they 'll accept {$200.00} to get rid of it all. The final letter I have received is from them stating I owe the {$200.00}. I owe them nothing.
Reporting to credit report balance was settled less than full balance. Sent me letter stating that {$590.00} was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total {$1000.00}
I received many back to back calls, so I finally answered, they asked for me to confirm who I was, they had my name correct - but I would not confirm. I asked what the company was called - Torres Credit Services - but they would not tell me what they wanted until I confirmed who I was. After back and fourth hey hung up on me. 

I called back and got a different person, I asked her what company it was and what it was about, and what services they provide. She would not tell me until I confirmed who I was. I repetitively refused, and she refused to tell me anything. I asked for a manager, he also did the same. 

I read reviews of this bogus company - they have a real address in my state and a website, and people complained that Torres was reporting that they owed random amounts of money to the credit bureaus, that were not owed to nonexistent places. 

I am nervous that they have my information and will fraudulently report something to the credit bureaus.
ATTACHED ARE XXXX LETTERS DATED XXXX XXXX, 2015 FROM MY SERVICER - BSI. THE LETTERS ACKNOWLEDGE RECEIPT OF " ADDITIONAL DOCUMENTS FOR YOUR APPLICATION TO OBTAIN A MODIFICATION. '' IN THE XXXX LETTER BSI MAKES THE STATEMENT " WE ARE NOT AWARE OF ANY DEFICIENCIES. '' BSI FURTHER INDICATES THAT A DETERMINATION WILL BE MADE WITHIN 30 DAYS. BSI HAS ALSO SCHEDULED A FORECLOSURE SALE DATE FOR XXXX XXXX, 2015. BSI IS ENGAGED IN DUAL TRACKING AND THIS IS EXPRESSLY PROHIBITED IN CALIFORNIA.
I sent a written request to Portfolio Recovert on XX/XX/2018 requesting VALIDATION of a debt that is listed on my credit file. Validation was not received pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). In fact the company refused to investigate the  matter claiming that the issue was resolved. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of defamation of character.
I continued to get charged {$400.00} per month automatically withdrawn from my bank account when I feel the loan has been paid. I borrowed {$800.00}. They have taken {$400.00} per month for the last four months, starting in XX/XX/XXXX - XX/XX/XXXX. I recently put stop payment at the bank. So XX/XX/XXXX payment was not taken, but they attempted I have no documentation of the loan and when I called them to ask why there was another XXXX payment taken from my checking account they would not talk to a friend which was attempting to help me with my bills since I had just experienced a hardship caused by a hospital stay.
Citibank has seemingly had a major breach in their security system. I received a fraud alert call about a new card ( that had never been activated ) about a charge made from another country. I received the new card 3 days ago, after receiving a notice from Citibank 2-3 weeks ago that they would send me a new card due to a possible data breach. If the new card, which I had never used and had not activated, was used fraudulently, then there has to a breach either at the Citicard level or a vendor that they use. I am very concerned about this level of a breach. My account was closed but in my mind the integrity of Citicard 's security system is in question.
On XXXX XXXX 2017 I was contacted by Lj Ross And Associates about a debt for {$620.00}, that was previously closed by XXXX via a prior CFPB complaint. ( See Case number : XXXX ).
Approximately 6 months ago, my employers payroll account was hacked into and stolen all of our personal information was stolen. Identity theft has several accounts open. One was thru Navy FCU. I called several times to have this account closed due to identity theft. Everytime I spoke with someone about it, supposedly they closed the account and they were going to send out an affidavit to complete and send back ( never received ). Last call was one month ago about this situation. And I am still receiving monthly statements in the mail and have not received the affidavit. Also when this account was open, it put a hard hit on my credit score. Not happy. If I closed an account esp due to identity theft, I should not have to call every month when I receive a monthly statement to find out it HAS not been closed.
I applied for a credit card with Wells Fargo bank, in/A. On XXXX XX/XX/2019 I was notified the application was denied. I have a perfect credit score via the XXXX credit reporting agency they used of XXXX. I believe I was denied due to my age not Credit worthiness. There was a {$300.00} bonus on this credit card if used properly, I believe Wells Fargo was doing a bait and switch scheme.
Lustig , Glaser & Wilson XXXX P.C XXXX of XXXX XXXX have been making multiple attempts to contact me on behalf of XXXX for a credit card debt that is past the six year statute of limitations in XXXX and XXXX. They have sent letters on XXXX XXXX, XXXX XXXX, XXXX XXXX, in an attempt to collect the debt and have also sent an " appearance '' notice for the XXXX XXXX Court. They are attempting to re-age a debt that is over seven years old, and XXXX had already sued me in 2008 in the XXXX XXXX XXXX XXXX XXXX Court.
Equifax is reporting a TAX LIEN on my credit report that 1. is over ten years old and needs to be removed & 2. The reporting and filing status is completely bogus. I had paid this long time ago. 

I reached out to Equifax over two times and today will be the 3rd time. This tax lien is keeping my husband from qualifying fo r a new home since they consider my debt. 

Please help me get this resolved with Equifax so I can make a better life for my family. 

Thank you
I opened a new CC with USbank in order to do a balance transfer to pay off a higher rate loan. I conference called USbank and XXXX XXXX in on a call together so USbank could get all the info they needed to send out a check to XX/XX/XXXX. A week later come to find out after having them on the phone together USbank still managed to get the company name wrong on the check. So, USbank put a stop pay on that check and issued a new one to XXXX. At that point XX/XX/XXXX charged me a {$10.00} fee for a NSF check. I called USB asking them to refund me the {$10.00} since it wasnt my fault nor was it XX/XX/XXXXXX/XX/XXXX fault this all happened. USbank refused, which is predatory, it was all USbanks fault not mine. At this point I want my fee back and I want back all the higher interest Ive had to pay daily now because of how much longer this has all taken. I repeat, all at the fault of USbank. A {$10.00} fee reimbursement plus roughly $ XXXX/day of interest on the existing loan that would have otherwise been paid off already had USbank not screwed up. I also want my balance transfer fee waived, due to the the amount of my time I have burnt up. Their customer service is deplorable, I dont know how this company is allowed to operate treating people this way over such a minimal amount, especially since ( once again ) it was all their error! Please help me and please look into this banks practices, this should not have ever gotten to this point. They record all their calls, ask them for the voice recordings you can hear exactly how this all happened for yourself. Thank you!
my name is XXXX XXXX, I had a payday loan in 2011. I had an ach debit account through Bank of America, I ask bank of America to close the account and they did so, but they allow the payday loan people to continue to try to debit my account which was inactive. so they keep charging me overdraft fees for monies that was not in the account XXXX worth of fees now they have reported my name to XXXX and I can not open up an account, this is unfair, I need help
Equifax is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by me.
After checking my report with Experian I found several accounts that either weren't mine or had been re aged. I started disputes and successfully moved them from XXXX and XXXX XXXX however Experian wont remove them. They give no details on the investigation and just simply state " That the dispute has been investigated and updated '' yet the accounts remain. When I call they seem more concerned about selling me products and services rather than resolving my issue. After refusing the purchase of services I just get transferred and sit on hold for 45 minutes to an hour.
Late Payments are reported on my XXXX Account for months in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in the year XX/XX/XXXX in XX/XX/XXXX. The entire time this account with another company and in forebearance for all of XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. XXXX bought this account in XX/XX/XXXX so how they be reporting lates from XX/XX/XXXX and early XX/XX/XXXX? I asked the credit bureaus for verification as well as XXXX and not response. 

This is an error and a violation of the FCRA. I have made every payment ontime to XXXX since they took over. 

Please remove these erroneous late payments kind regards, XXXX
I jace had someone steal my identity and use it to take out loans and other credit accounts. These accounts have been reported investigated and removed however the inquiries are still present on my credit report and is hurting my credit file. I need for these inquiries to be deleted. I have submitted a identity theft report prior and the company stated I needed to send a letter giving authorization to remove the fruad inquiries. I have since written the letter and listed the inquiries
Back in XX/XX/XXXX I requested for Equifax to validate and delete 2 negative paid/charged off/inaccurate/discharged/closed account for the U.S Department of ( Account # XXXX. Amount {$25000.00} & XXXX. Amount {$21000.00} both closed ) from my credit report. I have sent my last 4th letter to Equifax on the XX/XX/XXXX. I have not received any copies contacts promissory notes or accounting records in regards to my request. I called Equifax customer service and their rep said they do not have any certified copies proof contacts, promissory notes or accounting records for the debt they claim I owe and display to business and other people through there service portal. XXXX has deleted these accounts from my credit report within the 30 day time frame after not being able to validate or forward me the copies I requested for. My XXXX credit score is XXXX & Equifax credit score is XXXX. This item is negatively impacting my Equifax credit score. I have also been permanently XXXX  since XXXX  and I have reported this to the Department of Education, loan lenders and collection companies. Equifax is involved with illegal business practices and is committing fraud on various levels.
I have written several certified letters To ( Ability Recovery ) requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. which they claim ( I owe them {$1600.00} ) Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.