WillisBack/dataset-financial-user-claim huggingface dataset:
I had missed a few payments with Jp Morgan Chase bank so i knew i was behind. In an effort to get back on track i sent them i check to bring me up to only being behind one payment with the hopes of being able to pay the last payment the following week. I would have waited one more week and sent it all at once but i figured that they would like their money. I then find out that they are going to return the check because it was not enough to cover the full amount of what was due. Also when i called to ask of what the exact amount is to reinstate my loan they were unable to tell me what that amount is. So now it is going through a process to give me what the amount is as well as adding more fines and fees on a daily basis. Also i found out that my house has a foreclosure sale date from XXXX different third party attorney offices two days before i received that information from chase. Also they have informed me the reason that they can not give me the reinstatement amount because of foreclosure fees but they can not tell me what all of these fees and penatlies are for. It feels like they just have an " other '' line on my loan that is their playground for adding additional charges to my account and do n't have to give me a reason for it. I also have a log of other phone calls leading up to this point that my wife and i have made to chase where we receive information from a customer service person and move forward with what they tell us just to find out from a different customer service person that we can not do that. They have their system setup so that if you fall behind you will be drowned with with fees and penalties that grow daily while they drag their feet to get you the information that you requested.
I had credit card HSBC account that was buy by Capital One Bank XXXX but the account was close and paid settlement XXXX for {$160.00} at that time. I did not received call or letter or statement. XXXX day I received a phone call stating I had Capital One Credit. I open credit card with Capital One up on XXXX/XXXX/2014 and charge {$660.00}. Capital one sell the same account to XXXX I have ask over the last year to remove from my credit bureau and also I have asked send me proof to me ware I signed a credit application with capital one in XXXX, I have not received any information yet
I applied for a Home Equity line of credit through Navy Federal Credit Union. They completed an appraisal. My loan officer assigned was XXXX XXXX. I had to leave repeated voice mail messages with XXXX which I received no response. After multiple attempts to reach XXXX, he told me that my loan was denied due to underwriting guideline he stated was provided by the Federal Government that individuals require two years of self employment to be eligible for a line of credit, despite providing business tax returns and current business financials. This is arbitrary decision to refuse to use my self employment income when Navy Federal Credit Union offers small business loans for new businesses. I also believe that XXXX 's complete lack of customer service was shameful, and his refusal to answer calls or respond after two months is an absolute embarrassment.
On XXXX XXXX I received a letter from American Medical Collection Agency ( AMCA ) regarding a debt with XXXX XXXX. We sent them notice disputing the debt, stating " I 'm writing in dispute of this account PIN XXXX, please validate this account and send proof of validation, including proof that your client has billed the proper insurance company that it was provided at the time of service and not an insurance company for which it was not provided information for. " On XXXX XXXX we received a letter stating they had received our notice, and still continued to pursue the debt without ever having verified it. 

They have since sent XXXX letters demanding payment for a debt we do not owe and have refused to verify the debt, because if they did they would see the debt has a {$0.00} balance with the XXXX XXXX. 

On XXXX XXXX, XXXX XXXX representative XXXX XXXX said she had contacted AMCA to inform them that they had failed to properly bill the Insurance Company and that due to a glitch in their systems they had failed to bill and would alert AMCA. 

Their latest letter on XXXX XXXX states that we have neither paid the invoice or disputed the validity of the debt, which we did on XXXX XXXX, 2015 and they acknowledged this in their letter sent XX/XX/XXXX. 

We look forward to you helping us resolve this debt collector continuing to violate the Fair Debt Collection Practices Act.
SPS Charging {$15.00} processing fee every month to make Mortgage Payment! Even my son questioned how this practice could be legal. {$5.00} to pay online or by phone from XXXX to XXXX of month and {$15.00} by phone or online from XXXX to XXXX of month.
I received an email from equifax stating that XXXX XXXX was deleted from my credit file. I checked my credit report today online and I saw that equifax failed to remove XXXX XXXX off my report. So I called and spoke with a representative and they stated they do n't see the letter that I was sent in there system and that the only thing they could do was start another investigation for the third time which is totally unacceptable and we 'll be young the 30 day mark.
I submitted an application for a credit card and received a declination letter. The credit score that XXXX bank used was different from the one from Experian credit report.
I was unable to make payments due to financial hardship. Relocation that nearly made my family homeless. I asked if I could get a forbearance, and was denied. I was told that I HAD to pay a certain amount by the end of the month or I would owe more. Unable to pay my loans because of re-location complications and job loss, this company has now gone as far as harassing my parents even though they have asked for the calls to stop. Going further, the last debt collector who called my parents has used the names of people I used to associate with, including one I have a XXXX XXXX against for XXXX my child. Now, I am being threatened with a law suit and that they will call my daughters father who we have a XXXX XXXX  against!!! They also threatened to call family and other exes of mine that I can only assume they received information via the internet. Mind you, I had previously received a letter XX/XX/2017, stating that my debt was going into collections and now, this company calls people asking what vehicle I drive, where I work, and who I know, AFTER they were going to send my debt into collections. While I have not paid the whole amount, I have paid back more than I borrowed and none if it went to principle. It has all gone to interest. Seriously, striking fear into me by using my daughter 's fathers name. This man XXXX XXXX, XXXX my youngest daughter and XXXX my oldest daughter and they want to use his name while trying to get me to pay for my debt that I CAN NOT pay!!!!!! He wasn't even on the LOAN!!! I am beyond furious!!!!!!!!!! I have gone through enough XXXX while trying to keep my family afloat through all of the XXXX   we have gone through and I regret EVER using this company!
( XXXX ) XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied XXXX these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info
I have received, without explanation that a % penalty has been applied against me for failing to maintain a good account status. However, Ive always been in good account standing with all my banks through their available methods ( deference the, forbearance, or IBR ). I can not find, not have I received any information supporting that penalty. The amounts have been recalculated and added to my loan principle.
RE : INVOICE Notice The Credit Card Financing. 
7.9 % APR for XXXX Custom Payments TERMS. This transaction is under your Credit Card Agreement with Wells Fargo Financial National Bank ( " the Bank '' ). 


Breach Of contract 1. I looked at my contract with XXXX 's XXXX Company and they charged me for a new down flow unit I never got, but will have to pay for. 
2. Thermostat : They used my old wiring and charged for new. 
3. He said he was sending out a year supply of air filters ( XXXX ) 4. He said that they would mail us all the manuals for the equipment. 

XXXX 's XXXX XXXX has never done any of the above. They did make a {$300.00} payment to to off set the price so it would be comparable for a smaller XXXX unit. 
My husband contacted Wells Fargo to stop payment until all the problems were fixed, Wells Fargo told him he would have to take that up with XXXX 's XXXX XXXX. 
Now on our Wells Fargo bills we get charged {$31.00} interest charges every month on purchases. We are setup to have 7.9 % APR with XXXX custom payments, but have n't been shown what the payment will be. 
On our bill it changes every month on the APR and payments and charges for on purchases {$31.00} interest. What our we buying to get charged for? 
And why do n't we have our payments of XXXX custom at 7.9 % APR setup? 
And why is this not setup on our monthly bill. At this rate it will never be paid off. What is Wells Fargo doing? 
XXXX and XXXX XXXX XXXX
I have had a recent credit check done, and Bank of America is still showing under my name for XXXX I have contacted the company in the past, also sent out letters and ID theft report, but it has not been removed off my credit. 

I am a XXXX XXXX XXXX XXXX XXXX working as A XXXX XXXX, and I am victim of Identity Theft, I would like to have BANK OF AMERICA REMOVED FROM MY CREDIT REPORT AS IT IS NOT VALID AND FALSE AND FRAUDULENT. 

I have provided proof to show that and attached it as well.
I never received information regarding a debt from Eastern Account System. I have no idea where this debt is from. I have excellent credit and funds available to pay this debt but they put it on my credit report just as I am applying for a refinance on my mortgage. Now I ca n't get them to remove it. AND I DONT EVEN KNOW WHAT IT IS FOR BECAUSE I NEVER RECEIVED NOTICE!
There is an account reporting on my credit file with Midland Funding and I requested the credit bureaus to investigate this. The results from the bureaus indicated it was mine. However I had a representative contact Midland using a power of attorney and they told her that they could not locate any information with my social, date birth, address etc., I then submit a letter directly to Midland asking for validation of the debt since they could not locate me by the above. The letter I received was nothing more than statement from their company stating I owe it. The even more frustrating part is how are they able to locate my information now when they could n't before? All that information was given to them initially to locate the information and the did n't. How do I even know if they did n't input the information when I had the representative call? There was nothing sent to me with my signature, payment history from previous company etc.
Please note that Transunion did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to XXXX they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from Transunion, and XXXX, I never received any confirmation from XXXX on the status of the 7 year fraud alert.
I received A letter on XX/XX/XXXXdated XX/XX/XXXXfrom XXXX XXXX at a company called XXXX XXXX XXXX XXXX XXXXXXXX, a Subsidiary of Global Financial Services Group , Inc. the letter was addressed to my birth name, which I had legally changed in 2018. The letter claimed that XXXX was a collection agency for my creditors identified below. I had failed to pay {$970.00}, which had resulted in my account being sent to collections. The credit tours were health care providers located within the network of providers in my local Hospital System, which I did regularly see between XXXX. However, I was on a long-term payment plan set up with this Hospital Systems billing department. I called the billing to be sure everything was okay. The representative from my Hospital Systems billing department, where the overdue amounts listed were taken from, said that my account was up-to-date, I had not been sent to collections, and they did not know of any company called XXXX. Moreover, they did not know where this {$970.00} amount came from. I made sure to ask that I didn't owe such-and-such amounts listed. It was confirmed, the letter wasn't real. As I looked at the amounts and dates provided by XXXX I realized some of the procedures were over a year old and had already been paid for, and certain ones had to be paid for up front like with XXXX or XXXX XXXX. I did a little research on the company and realized this wasnt the first time theyd tried to collect on a nonexistent or already paid medical debt. I was phoned by a XXXX representative on XX/XX/2018 at XXXX XXXX asking for my former name. I replied that she was speaking with the person of my legal name but refused to give any personal information once she revealed she was with XXXX. When I told the representative Id contacted my healthcare providers that theyd listed in the letter -- who had no idea what this company was or where this debt came from -- she kept insisting she could give me more information if I confirmed my identity. I told her XXXX would be getting a legal letter explaining how they could prove, without question, I owed a debt to them. The burden of proof wasn't with me. I didn't have to prove who I was since I'd confirmed her company wasn't affiliated with my health care 's billing system. Once I mentioned legality and government reporting, she said : Okay, Miss, Ive updated your account, goodbye. And hung up. Im sending them a certified letterbased on a template borrowed from the Consumer Financial Protection Bureauand shall be reporting them not only to the FTC, but my Attorney Generals office, as they are located within my state. Here is the companys local address and website : XXXX XXXX XXXX XXXXXXXX Dispute Resolution Department XXXX XXXX  XXXX XXXX, SC XXXX https : //www.globalfinancialservice.net/XXXX
I contacted XXXX concerning a Judgement that was placed on my credit profile. Upon doing so, I requested the letter informing of a lawsuit, Service letter, Date of first delinquency, the debt collector l number and bond number. They have very limited information and XXXX who was the person assisting me was very limited on information and was not willing to disclosed certain information.
In 2007 the HSBC account went into collections due to my XXXX and XXXX XXXX XXXX  from my military service during the XXXX XXXX XXXX. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.
In XXXX I closed my XXXX cable account by paying what I owed in full. I would not have been able to closed the account without paying what I owed first. 

I received a bill from XXXX XX/XX/XXXX ( over two years later ) stating that I owed {$180.00} without any documentation as to why I owed this. I contacted XXXX Customer Service and was informed that they had just updated their software systems and they alleged that I owed the {$180.00}. I told customer service i closed my account two years ago and it was paid in full at that time. Customer service could not provide me with any information as to why I owed this debt two years later, other than that there was a computer glitch. As far as I know, a company ca n't just make up a debt and say you owe it without physical evidence. 

A week after I received the bill from XXXX XXXX, My alleged account has now been turned over to a collection agency called Convergent on behalf of XXXX XXXX, stating that I owe the {$180.00} and need to pay it immediately. 

These are the alleged account numbers ; XXXX account number XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Convergent Outsourcing, Inc. account number XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I do not owe this money, and I request that you help me.
XXXX XXXX XXXX inquiry from XX/XX/XXXX,2017 I have a hard inquiry on my credit report that is really affecting me and I have n't received a loan from this company. I overstand there 's an adhesion contract here and I need it removed stricken or deleted from the record.
I have been using Western Union to send money to friends for years.All of a sudden I have been blackballed from using their services..I am not allowed to send or receive money, I asked why and was told they wanted a photo copy of the persons ID I told them a photo ID was shown at the time of my friend receiving money as well as mine being seen to send money.The transaction was still denied.I was asked for more information which I provided, my place of work, my pay stub, the reason why I was sending money, I was still denied.I never did anything to deserve this. .They have not given me any reasonable or sensible explanation.I only get its their privacy policy.
Navient holds my student loans. They were supposed to consolidate all my loans into XXXX loan after I came out of their rehabilitation program. I have been paying them for almost 2 years now. I am trying to buy a home and just learned that Navient never consolidated my loans like they said, and they are also reporting me to the credit bureau 's as both derogatory and open accounts every month. This is effecting my credit as to where I can not get a home loan and causing me distress. I have a XXXX child that needs the stability and security of a home and this is hindering his need. I called Navient they advised me that they are in fact by law able to do what they are doing and if I want to put a complaint it I can and as far and as the consolidation I can set that up with them that day. At that point I was so distraught I had to hang up. I didnt know where else to turn to for help with getting this company to stop reporting me as a bad debt when I am clearly paying that debt to them every month which they report.
I have found a XXXX Hard Inquiry on both my XXXX reports from XXXX XXXX 2015. After research I found the originator of these inquiries from PayPal in which I did not apply. XXXX causing damage to my credit reports and score. With all the investigations and ongoing complaints regarding PayPal and it 's credit methods and problems I most certainly would not involve myself with PayPal credit. I am not sure if this was a mistake or fraudulent activity. But I have noticed other forums or internet sites stating around the same time or even earlier in XXXX similar occurrences. They state the industry standard for even handling a dispute of this nature is 60 days in which I myself rarely have had to dispute any discrepancies but found most companies to handle or correct the situation promptly. Generally resolving issues within just weeks. I also feel this practice of PayPal with their odd processes and systems in which PayPal themselves have recently been held accountable for should have a better system in place to handle and correct the many situations or discrepancies many have been having with PayPal.
1.What recourse does CFPB have against Equifax for its highly publicized data breach announced XXXX XXXX, XXXX? 

2. What requirements are upon banks to ensure their vendors such as Equifax, XXXX, XXXX have to enure against data breaches. I know there are some but how did the US ' XXXX banks not have sufficient influence over this data breach at Equifax. 

3.How do I join in a class action suit against Equifax?
On  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.
They suddenly came back and re-charged me for all of my previous purchases on my debit card, resulting in being charged twice for every single one. Since XX/XX/XXXX, I have purchased exactly {$500.00} worth from Coinbase using my XXXX debit card. You will see in the screenshots, that I was charged a total of {$2000.00} within the past 2 days.
I have several issues : ( 1 ) I have been charged by the bank some time since 2015 until today of $ XXXX monthly fee. I spoke to bank manager in XXXX branch by upper west side and I was supposed to get problem fixed. It 's not fixed yet and I continue to incur such loss. 

( 2 ) I make payments on time. I want ALL INTEREST AND LATE FEES to be refunded, OR give me documentation, so I will go to court ( 3 ) I am charged money for XXXX XXXX & for some company named XXXX. I want to have those fees refunded from time of initiation of charge until today. I do n't affilitate with them and did not ask to charge me. If you do n't comply, give me documentation for all these fees, so I will beat them in Civil Court ( 4 ) I want all international transaction fees to be refunded, if any. Give me all transactions, so I will beat in Civil Court.
XXXX  student loan was Paid off and never late it was in forbearance XXXX XXXX XXXX XXXX paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CREDENCE RESOURCE MANAGEMENT, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND XXXX XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CREDENCE RESOURCE MANAGEMENT, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.