WillisBack/dataset-financial-user-claim huggingface dataset:
I reported fraud unauthorized transactions on my Discover card for the balance on the card. I never got any letters from Discover for claim forms to sign and return back and Discover is calling me everyday with collections on this fraud charges. Also they are reporting negative late payments on the credit reports as a result of this.
I took out a personal loan from XXXX XXXX when I was in my XXXX program back XX/XX/XXXX. this was not a school loan because it was used for incidentals, like food and rent to tide me over until I got a job, after I had received my student loan and my classes were already paid for. Well I filed bankruptcy and added this loan XX/XX/XXXX. The debtor kept calling me and sallie mae changed to navient and then navient sent the loan to collection agency XXXX XXXX XXXX. Well at first I thought that it was a federal school loan because they insisted that it was. but when I consolidated my loans they stated that this was not a federal student loan so it could not be consolidated. They had been harassing me every day and I stopped paying because I contacted my legal services and they said that these privatized loans are not student loans but some unscrupulous lenders try and collect after bankruptcy. I gave them the chapter XXXX bankruptcy and discharge papers ; yet they are still harassing me.
I have XXXX inquires from XXXX. None of which were authorized. I have written letters and disputed these with my credit agencies with no luck.
I had a Home Equity Loan securing a property. The loan was paid off on XXXX XXXX, 2015 according to Ocwen 's records. 

I subsequently checked my credit report and found that the credit bureaus still reflected a balance owed of {$170000.00} I filed a credit inquiry with each of the credit bureaus. 

I received a response from XXXX ( a copy of which is attached hereto ) indicating that XX/XX/XXXX the balance is {$170000.00}. 

I called Ocwen on XXXX XXXX, 2015 and they indicated that the loan would not be closed until I signed a form that was sent by Ocwen to my mailing address. I use an office address and the form was never received at that address. They will be emailing a new form within 3 days. 

Ocwen has indicated that, even though they sent incorrect information to XXXX, they continue to investigate my complaint. They will not, however, send me anything in writing to that effect. 

I
I applied for a conventional mortgage in XX/XX/XXXX of this year with a closing date of XX/XX/XXXX. They had 45 days to acquire all of the necessary documents. I informed them that I would need to have final numbers for closing a week before the closing date due to travel time to the closing. Calls to loan officer 's assistants went unanswered as did requests through emails. As of the XX/XX/XXXX they have not given me the amount I need to close. I have to have time to get a certified check and allow travel time and this is the last day that it can be done. Just wanted to let other people know that Homedirect Mortgage  is not concerned about the customer 's needs.
My student loans that have been rehabbed are being report twice on XXXX  and Experian. Exact same loans one showing current the other showing close derogatory. The is wih XXXX XXXX XXXX. So its 12 on each report. Experian will not let me dispute this at all because I dispute back in 2017 about the amount owed.

This problem is sinking me. I need help. Other than this my credit is in very good shape.
In XXXX my family and I was living in a shelter someone there stole my bank card we was required to give our bank cards to staff to put away we was supposed to save money to get our own place in XXXX I went to staff to get my card and they stated it wasnt there I checked my online banking to see that my card has been used I called Navy federal and made them aware of the situation they said I had to make a dispute which Ive never done before I tried disputing everything but was told everything didnt post and to call back to dispute all the charges that didnt post so I had to call to dispute the remaining when I called I tried disputing all the rest which I thought I did but I guess I missed things that I thought I disputed in the first dispute my claim was denied and account closed because they said I failed to mention those other transactions that happened in between I tried explaining the situation to the lady who had the case and she didnt even care that I was victim I asked to speak to a supervisor was told I would get a call back no call I emailed the CEO and never heard anything back from them it is said I owe XXXX dollars to navy federal due to this
I am a cosigner on a loan with my son at XXXX. The loan was for a {$67000.00} signature loan taken out in XXXX, XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, XXXX charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that XXXX took a payment on XX/XX/XXXX and subsequently returned it to my son. XXXX never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

XXXX is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.
Received a letter today from " XXXX XXXX '' saying that I owe a debt to them, through XXXX, of {$620.00}. 

That is frankly impossible, I currently have an active account with XXXX ( had it for years now ) which is auto-paid directly from my bank account every month. 
I also check online to make sure everything goes through, I have never missed a payment. They'd bill me before sending it to collections, I have never heard about any debt or seen anything on my ( again, *active* ) account about any outstanding debts. 

The debt mentioned in the letter from Convergent is obviously, and completely, false.
My wife and I have been separated since XX/XX/XXXX. I was waiting for her to be medicare eligible before filing for divorce. we entered into mediation counseling in XX/XX/XXXX and the mediator suggested that we each file bankruptcy in order to deal with our debt.. And of course once she filed, the debt cascaded to me and I was forced to do the same and since I was forced into retirement XXXX and found a job at XXXX my previous income I was unable to stay out of bankruptcy. She then decided to abandon our jointly owned Townhome that she was living in ( not the original plan she was going to continue to live there ), she stopped payments in XXXX XXXX and then notified the bank accordingly but continued to live there for sometime. Even after she moved to a different living space, she continued to pay heat in order to protect the home from freezing and then she notified the bank when she could not longer afford to pay the bill. We continued to receive statements from Nationstar Mortgage ( Originally XXXX ) Loan Number XXXX stating that we now owed ( {$29000.00} ) as of XX/XX/XXXX plus the Condo fees of around {$7500.00} in arrears. The outstanding balance is {$84000.00}. 
In XXXX XXXX I learned that we were the owners of a '' Zombie '' home. This prompted me to re-enter the home to check its condition since we were still responsible for the property. We learned that front door lock was broken off and replaced, when a key was available for the price of a phone call. The Bank had assigned a care taking company which was supposed to turnoff the water. However they were inept and the building suffered XXXX major water leaks which I found when I reentered. 
I then found renters for the price of the Maintenance Fees plus utilities but naturally before they could move in I had to fix the leaks, rip out and repair the garage ceiling ( to get at the broken pipes and replace the locks, thankfully I had the skills to do so. This included cutting out the damaged split copper pipe and soldering in new sections. It required XXXX of us us working over 40 hours to make the place livable.. A significant portion of the garage ceiling needed to be removed, the leaks fixed and the ceiling replaced. The Townhome is finally scheduled for a Sheriffs sale on XXXX/XXXX/XXXX. The home has been cared for and given back to the bank in much better condition than they themselves allowed for.
XXXX - XXXX XXXX. 
XXXX charged {$11000.00} for XXXX classes when I enrolled in the XXXX program Within a month, the recruiter was no longer with XXXX and I continue trying to earn good grades. I dropped out when they tried to hitch me to another {$10000.00} loan. I never seen XXXX dime. I was told, they split that loan into XXXX private lenders. Since then, a XXXX loan has turned into XXXX and I 've been SCAMMED over and over with callers from Nevada and California claiming I could settle this XXXX payments of {$330.00}. In XXXX XXXX I sent Alumni Aid Assistance {$330.00} and documents and emails I sent to XXXX regarding their unfair practice. XXXX what happened after I sent them the money, their phones are no longer in service. XXXX - http : //XXXX/. I thought this was a good company. A man named XXXX XXXX gave me his cell phone number and even that has been disconnected. 

What 's more 3 years ago, another company said they could not take cash or check so I went and got a XXXX XXXX and sent them almost {$3000.00} dollars but my loan balance with Navient is getting higher and not lower. All I wanted to do is get a XXXX with XXXX and pay off this debt. Now, I want to file a law suit with XXXX and Navient. A loan this old does not sound like XXXX to me. I need your help CFPB.
In XXXX I took out a payday loan from the XXXX in Illinois, I though the loan had been satisfied, but apparently it had n't. On XXXX/XXXX/XXXX I received a call on my work phone from XXXX stating that I needed to contact " XXXX XXXX '' ( XXXX ) and give them claim number XXXX XXXX XXXX. The informed me that the debt was a breach of contract and that was being sued and was in legal trouble for this situation.
Early XXXX 2016, we discovered an unauthorized charge on our Sam 's Club mastercard statement. The charge was dated XXXX XXXX, 2016. We immediately contacted the customer service department who then put a hold on the account and said they would mail out paperwork for us to dispute the transaction. Three months later we are still waiting on the paperwork to complete and despite numerous calls we have yet to receive the fraud paperwork. We are also told the paperwork is in the mail but yet nothing arrives. They also refuse to issue us a credit until the paperwork is returned and investigated. We do not know what else to do other than ask the CFPB to intervene on our behalf. My wife and I understand that there is a process involved to handle these transaction and that it takes time to complete. However, We do not feel Sam 's club discover is acting in good faith to try and rectify our claim. Please advise me what else we can do. Thanks in advance for your time.
Our Bank of America Visa was compromised. We were contacted by BOA and they issued us new cards. We have automatic payments on our account set up. We changed nothing. When the next billing cycle came about, they deducted the bill amount twice. They took two payment for the same amount due ( {$5300.00} times two ) on XXXX XXXX. I called them on XXXX XXXX when I saw my bank account statement. Bank of America was unapologetic, took no responsibility but said I would get a refund in 3-5 business days. After a week, I still have not seen the money they illegally took. 
This is a business that makes money by charging interest on loans, yet they went into my account and took out thousands of unauthorized dollars, giving themselves an interest free loan. This is corporate theft!
In XXXX I was the owner of a 1996 Jeep Cherokee. In XX/XX/XXXX my daughter totaled the vehicle and XXXX my insurance company paid full claim on the vehicle. I then purchased the vehicle totaled back from my insurance company for {$600.00}. 
The vehicle was sold to a XXXX XXXX, I signed the title over to him and removed my lic. tag from the vehicle. 
I was contacted in XXXX XXXX by a National Commercial Services , Inc., XXXX XXXX, stating that I owned {$3900.00} and if I did n't pay it my drivers license would be revoked, I would have a claim against my credit report and I would be sued. I informed XXXX XXXX that I did n't own the Jeep in XXXX. I had sold it way before that. He said he did n't care, that I was listed on the police report in XXXX XXXX NC and that I needed to pay. That the vehicle had hit another vehicle in the rear and the driver was XXXX XXXX, I was the owner. I again explained that was n't true. XXXX XXXX has harassed me, yelled at me in front of my employees at my bank on the phone and wo n't stop calling me. He says he is representing XXXX XXXX. I have tracked down XXXX XXXX and verified that she had the accident, was n't insured and that XXXX covered the claims because the woman she hit had XXXX. XXXX stated that she has been making payments on this same amount to National Commercial Services for six months. However they are trying to get the funds from both of us at the same time. 
I have lost time at work, personal time and have been harassed by this company. I have spoken to XXXX multiple times with no assistance. I have called the XXXX XXXX Police who stated that the info on the police report may have come from a old registration card in the car. The tag on the vehicle report was my old tag that I had long returned to DMV. 
Today at XXXX I was told my XXXX XXXX that they would remove my name from this claim because they talked to XXXX XXXX who took responsibility and said that the car was not mine but was titled in her name at the time of the wreck. Then at XXXX he called saying that XXXX would not allow him to remove my name. 
What I do n't understand is that the lady hit by the jeep was covered by uninsured motorist and it paid the claim. The claim is done and paid ... .who has the right to harass myself or XXXX XXXX for payment. 
The police report clearly states that the hit was at less than XXXX and that there was NO damage to either car. YET the people in the car hit has made claims of XXXX and XXXX of dollars for medical cost. 
I feel that there is fraud being committed here in many directions and I want this stopped. 
I should not have to take my time away from my job and family to get out of this ... it was not my car, not my wreck and not my fault. XXXX XXXX XXXX XXXX
Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under a lot of fake accounts which she is currently in jail because of her actions and facing years in jail for fraud I even have my police report Its been years since I contacted all the debt collection to let them know that it wasnt me my parents even hired someone to help me fix my credit I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos fake errors on my account. one of them is PayPal it shows that I had a An account since 2015 with them but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company Which is XXXX  XXXX they keep on reported me messing up my credit please help me get my identity back.
The Van RU corporation failed to send me a notice and now there gurnishing my wage. I told them I could not afford to my living expenses nor pay my lease. I 'm about to become homeless and unemployed.
I have a home equity line of credit with TD Bank. My payment is due the XXXX of every month. My XX/XX/XXXX payment was paid on XX/XX/XXXX. Instead of paying the total current due, which was {$150.00}, I paid {$7400.00}. After paying said amount, the updated total current due was zero. I  received a notice, dated XX/XX/XXXX, which read in capital letters, " THIS NOTICE IS A REMINDER THAT YOUR ACCOUNT IS PAST DUE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. PLEASE MAKE YOUR PAYMENT TODAY. '' It also included the following information : Past Due Date : XX/XX/XXXX Finance Charge Past Due : {$150.00} Unpaid Late Charge : {$7.00} Total Amount Due : {$160.00} As a result, my XX/XX/XXXX total current due has the {$160.00} tacked on for a total of {$300.00}, which I paid, upon receipt of the aforementioned notice, on XX/XX/XXXX. To recap, I paid my XXXX payment on XX/XX/XXXX AND XX/XX/XXXX, plus a late fee. This equates to a DOUBLE payment. 

This is no longer about the money, it is now about the principle. I wasted over an hour at their XXXX XXXX location on Saturday, XX/XX/XXXX. I had to repeat myself 3 times to 3 different employees, stand for over 30 minutes at the teller 's counter, while XXXX XXXX was on hold with whichever department she called to correct my problem, then was told by XXXX XXXX that they had no idea how long it would take, and for me to leave, and expect an update via telephone. After hours went by with no update, I finally called them. XXXX XXXX informed me that there was no update, because whomever picked up had no idea how to fix it, then transferred them to someone else, who, after hearing my problem, hung up. 

And TD Bank is supposed to be one of the 10 largest banks in the United States?! It is more like " The XXXX XXXX '' XXXX. Also, as an FYI, this is the SECOND mistake they made in less than two months. The first happened on XX/XX/XXXX, which they chalked up to an encoding error. I wrote a check for {$480.00}. They encoded it as {$1100.00}, which left my account with a balance of - {$660.00}, then charged me a {$15.00} maintenance fee.
on XX/XX/19 this company charged me twice for my due bill and then told me to take it up with my bank if I didnt like it. 

They do nothing but give constant issues. They also refuse to close my account.
ACS is incorrectly reporting XXXX late payments on my credit report when my account was supposed to be in deferment or forebarance. I have asked them to provided proof of the late payments and they have failed to comply with my request.
Experian, I filed a dispute reference XXXX XXXX XXXX WA, through the dispute process. 
The role of the national consumer credit reporting agency in the dispute process is to review the accuracy and completeness of any disputed items which may include contacting the furnisher of the information and its source. 

It appears that Experian is rubber stamping what the collection agency has placed in their files without any verification. 

XXXX the original alleged creditor removed reference to this account during XX/XX/XXXX. 

In XX/XX/XXXX XXXX XXXX placed a reference to the above in my credit file. ( NOTE : The original date they claim is XX/XX/XXXX ). 

In alternating places in the Experian display they claim the amount due is {$1600.00} and or {$260.00}. The display does not show an amount due prior to XX/XX/XXXX 

That alone should have raised a red flag along with the differing amounts claimed due. 

Experian claims in their dispute resolution section, in their review the disputed has been verified as accurate but they do not say how it was verified.
On XX/XX/XXXX I opened a vehicle loan with Wells Fargo Dealer services. I paid my monthly payment on time as a agreed with no issues. I paid off the loan sooner than expected. For the last payment in XX/XX/XXXX, I made my payment through their online payment portal as per usual. I was unaware that I needed to call in and wire or mail in the payoff amount. They gave me a 30 and 60 day late. I reached out to them several times if they could take this off my  credit report but I got no answer in my favor.
On XXXX XXXX, 2015 I received an email from kohls.com about an order made for {$100.00} e-giftcard. The email showed my information along with the email where the e-gift card email went to. I never placed this order. The company was closed and I called early the next day. I spoke to XXXX in the fraud dept was able to zero out the e-gift card but was unable to clear my credit card for the {$100.00} charge. My case number is XXXX. They refuse to reverse the charge for the fraudulent charge. I have made numerous calls with no luck. I am being told that I have to wait for the investigation and for them to come to a conclusion to what happened. In the meantime I will be billed for this bogus charge.
On XXXX/XXXX/17, I received notification from XXXX that a debt from a collection company by the name of FINANCIAL BUSINESS AND CONSUMER SOLUTION was verified as accurate. I have never heard of or entered into any agreement or contract with this company. I am requesting written proof of any debt that I have with this company. I am requesting the name, address, phone number, and a signed contract that validates this erroneous debt.
i paid a company XXXX on my visa card.when a problem arrived and i asked my visa for help to retrieve my funds they left me high and dry.i explained my issue to them and they simply told me i was to late.it is my understanding my card company could go outside the initiation time frames.i expected a lot more out of my card.
After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an officer of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.
In XX/XX/2018, I received a document at my place of employment requesting verification of my income. Upon receipt of this document, I contacted P.S.C. to discuss the debt and my intent to pay. During this conversation, we discussed a promissory note for the debt in question, and I agree to review the document, and I made a {$50.00} good faith payment towards to debt after being told that I needed to do so. I was to receive a promissory note in the mail from P.S.C. in  order to begin making payments on the medical debt. To date, I have not received the document, but I have continued to receive harassing phone calls. On Friday, XX/XX/XXXX, I received a call from " XXXX '' demanding that I return his phone call by XXXX XXXX that day. On that date, I also made another {$50.00} payment as good faith, expecting that I would at some point receive the agreed upon documentation that would afford me the opportunity to clear this debt. 
It is not my responsibility to ensure that documentation is received by me in order to clear the debt. It is the responsibility of the collection agency to honor their part of the arrangement and provide me with proper information. I am not going to pay on a debt, under a verbal agreement with no assurance that my credit will not be impacted. If PSC wants me to pay the outstanding debt, then I suggest they stop calling to harass me, and they provide me with the written documentation they themselves proposed so I can go ahead and issue payments to clear the debt. This will be my only attempt to resolve this matter with PSC. Should PSC continue to harass me, I will take this to the next level. Thank you.