WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 I mistakenly made a payment of {$1300.00} to a closed Citi card ending in XXXX. I have called and requested a refund a number of times. Each time I call I am told something different. I have been told that my checking account was refunded on XXXX XXXX, 2016, XXXX XXXX, 2016, and XXXX XXXX, 2016. None of this is true. When I call ( at least 15 or 20 times ) I am told someone who can help me will call back in 24 to 72 hours, I have only received on call back on Sunday XXXX XXXX, 2016 from XXXX on team XXXX at ( XXXX ) XXXX. We talked about the lack of my refund, she said she would call my bank and get back to me in 24 to 48 hours. She has not gotten back to me in 8 days. I have called the ( XXXX ) XXXX number back twice and left messages, no returned calls.
An account from XXXX XXXX XXXX ( Original creditor ) is showing on my credit report. Its now saying that its been sent to the collection agency XXXX XXXX in the amount of {$530.00}. It also says the account was opened XX/XX/16. I did not open this account and Ive tried to contact the company at their toll free number XXXX. It sends you straight to voicemail.
On XX/XX/2018, I received a letter from a debt collector which clearly states at the bottom of the letter that they will not sue me for the debt and they will not report it to any credit reporting agency. Yet they continue to report the debt and will not remove it despite the fact that I have disputed it with the reporting agencies.
XXXX this morning a lady called me from XXXX XXXX XXXX XXXX XXXX trying to extort my personal information for her use. I asked her who she was and from what company. She replied her company was called One Advantage LLC and that was trying to collect a debt.
I have no contract with One Advantage LLC., and will like the records to show.
When I did n't contract with her she being yelling and threatening to use my name and social security number because she already have it on file.
I will be contacting the local police department because this company clearly is using my personal information to gain monetary without my knowledge.
please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!
I opened a XXXX account on XXXX/XXXX/XXXX to buy and sell cryptocurrencies. I deposited {$3000.00} on XXXX/XXXX/XXXX, {$10000.00} on XXXX/XXXX/XXXX, and {$10000.00} on XXXX/XXXX/XXXX from my checking account to XXXX. 

I noticed a large, unrecognized chage to my credit card linked to Coinbase. The amount was for XXXX and was on XXXX/XXXX/XXXX with a merchant the merchant info COINBASE, XXXX. Since I did not recognize the charge and did not see it in my transaction histories with Coinbase, I contacted Coinbase support. for further explanation on XXXX/XXXX/XXXX. 

Finally on XXXX/XXXX/XXXX, I received a response from Coinbase support. They confirmed they did not see the charges mentioned above on their side and I should contact my bank to investigate. On the same day, I let my bank know that this was not a recognized charge and should be investigated. The amount charged to my credit card was reversed eventually. 

Once the charges were reversed, however, my XXXX account was disabled. I contacted support on XXXX/XXXX/XXXX and only received automated replies on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

I then called XXXX support on XXXX/XXXX/XXXX and after nearly 1 hour of waiting was able to speak with a representative. The representative said the restriction may have been applied in error but needed to escalate the case to subject experts who would review the case. But I have not heard from a subject expert since then. 

I 've been patiently waiting for this issue to be resolved, but after months of waiting it seems the only option is to escalate. It seems like my money is stuck now due to an error on Coinbase/XXXX and they are not willing to work with me to come up with a solution.
The robocall says it's from Harris and Harris Ltd and that it's a debt collection company. The recording asked me to call a XXXX number, XXXX. That is not the number the BBB has for this company. This is my second call from the same source. I have no outstanding debts with any company. I have never heard from them or any other company by mail about an outstanding debt. I have looked up the number and the alleged name of the company and have found that others receive the same type of calls. 

I have absolutely no intention of calling them but I would like whoever this is not to call me again.
We have been trying since XX/XX/XXXX to cancel our PMI. XXXX XXXX requires the loan to value ratio to be 75 % or less if the loan is between 2 and 5 years old. The original appraisal was for {$280000.00} which meant that we reached 75 % in XX/XX/XXXX. We followed instructions to request a BPO and paid {$150.00} for the appraisal fee. Appraisal was done on XX/XX/XXXX and the suggested list price was {$280000.00}. We were were denied PMI cancellation and the reason given was because the new appraisal was less than the original value at the time of purchase. This requirement is not stated anywhere. The only requirement given is 75 % or less loan to value which we have surpassed. As of XX/XX/XXXX, I was told the value of the house is {$280000.00} and our principle loan balance is {$210000.00}. I was told that our loan to value ratio is 84 % which simple math shows is incorrect and customer representative could not explain where this number came from. Customer service told me this was the information they had and they couldn't help me unless I ordered another appraisal or paid {$22000.00} towards our principle.
I paid a bill to XXXX XXXX XXXX on- line for XXXX. They continue to bill me this amount. I called them, because I could view that the total had cleared my bank.When i called XXXX, they claimed it went to pay old debt to Chapman Financial Services. I contacted Chapman FS, and asked them to show me that my account was credited this amount, they only used the information I gave them to continue calling me and sending me a new bill for XXXX. No where-in any questions or billings has the amount been-the amount showing on my credit report estimated XXXX??? 
this whole thing seems very fishy on both parts of XXXX XXXX XXXX and Chapman Financial Services
rented a truck from budget, had a blowout, blamed me and billed me {$510.00}. bill was accidently paid twice a month apart. can not get a refund. some excuse that technical issues prevent them from issuing a refund. sent me to collections in the meantime. have sent all documentation to collections, they have resolved, but still can not get refund from budget.
On XX/XX/2019 I received notification that I applied for a XXXX  XXXX XXXX   Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX   erroneously and egregiously attempted to utilize my information.
I had just submitted a complaint about XXXX credit reporting agency I am uploading the documentation that proves they are reporting a chapter XXXX bankruptcy on my credit report for XXXX XXXX XXXX XXXX when I never ever filed for chapter XXXX I want this removed off my credit report
Someone is using my name in Florida to work as well as open an account that he also sent sent to collection for check system
This has been reported to credit bureaus, my interest rate on several other cards has been impacted!! Been disputing late fees for over 6 months now, received cryptic/acknowledgement email from Macys but nothing has been done to my account. 

I submitted via email additional information from my bank and sent follow up today since i received another statement with additional late fees.
Emailed Customer service per their instructions the way to revoke auto withdrawls from bank account on  XX/XX/XXXX . They did not honor my request and withdrew on  XX/XX/XXXX  causing an overdraft.
I had received a bill from XXXX hospital in XXXX or XXXX from a hospital visit inXX/XX/XXXX. My bill was just over {$3000.00} and I did not have health insurance so I sent a letter to insurance department explaining that I was a college student with no insurance and there was no possible way to make that type of payment. After sending the letter I assumed that I would hear back to see if the fee was waived or reduced. After months passed by I was never notified about if my request was accepted ( which I thought was strange ) so I just assumed that the whole payment was waived. InXX/XX/XXXX I decided to to create a XX/XX/XXXX account because I am looking to start build my credit and noticed that I have a derogatory mark which is from AMERICOLLECT. It says that I owe {$220.00} and that they posted the debt on XXXX XXXX, XXXX. After discovering this debt I made the payment on XXXX XXXX, XXXX. I am writing this complaint because if I had received any information about this debt when it was due I would have made sure to get it paid on time. I am a responsible person and would greatly appreciate if the derogatory mark posted on my credit be removed. This year I am looking to start building my credit and would like to start off fresh. This issue was not in my control due to not receiving the information needed to make a payment. Thank you.
I fell behind on my mortgage payments in XXXX due to injury/hospitalizations. In XXXX of XXXX I re-entered a XXXX hospital for over one month. Upon my return on XXXX XXXX, XXXX, I received a notification, via regular USPS mail, from an attorney stating my house is listed in a foreclosure sale on XXXX XXXX, XXXX. I received ABSOLUTELY NO OTHER MAIL, either regular or certified, prior to this notice! I spoke with XXXX different people at Wells Fargo Home Mortgage on XXXX/XXXX/XXXX for over 35 minutes and still have no answers. A full mortgage payment was mailed to Wells Fargo Home Mortgage on XXXX XXXX, XXXX. I went through over 18 months of this with Wells Fargo in XXXX. Finally, after dealing with at least XXXX different people and submitting the same information over and over, my loan was " modified '', raising both my payment and interest rate!!. Once again, I am dealing with an unbelievable issue again! How does my house get on the auction block without ANY notification at all from Wells Fargo Home Mortgage?!? No phone calls, no mail of ANY KIND! This is another outrage, XXXX The recent XXXX. I filed a complaint to the XXXX in XXXX, which was forwarded to the CFPB. I am now looking at filing a suit against Wells Fargo Home Mortgage for this current outrageous action! They have absolutely no proof that they sent me any " warning '' correspondence of impending foreclosure action. Once again, I have to deal with the incompetence of Wells Fargo and their lack of explanation. The stress they caused me in XXXX XXXX and here I am again, facing XXXX. Again, I need answers and help NOW.
I used Care Credit credit card to pay a vet hospital when my dog was dying. Needless to say it was a very difficult time for our family. I used Care Credit for many months. My dog passed away on XXXX XXXX, 2015. I have been making payments to Care Credit since then. Suddenly my monthly amount due increased with no explanation. After many hours on phone with vet hosp manager and then Synchrony bank, the bank said it was the vet office 's fault. The vet office said they submitted all paperwork by end of XXXX. Synchrony bank is can not suddenly say, " oh by the way, you owe us XXXX more dollars 6 months after dog died? Interestingly, there is a 6, month window of time bank is allowed to post amounts due to the card and XX/XX/XXXX was 6 months. I have spoken in depth to the vet hospital and they have said Care Credit / Synchrony Bank is difficult to work with and there are problems with them. Care Credit / Synchrony Bank is suspect in their very poor handling of this account. They should not suddenly, 6 months after a death, decided the customer owes more money, it is irresponsible and causing great hardship on our family.
Wells Fargo is claiming ownership and servicer of this alleged security deed, loan and note, that I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. 
Wells Fargo forced me to submit a Completed Loan Modification Packet on XXXX XXXX, XXXX without Wells Fargo VERIFYING AND VALIDATING THE ALLEDGED DEBT THEY SAY I OWE I did not receive this information prior to me giving them my information because they scheduled a foreclosure for XXXX XXXX, XXXX I disputed Wells Fargo debt with the credit bureau agencies and they removed Wells Fargo loan payment as XXXX in XXXX and they stop reporting and closed the account..I was alerted by the Credit Bureau agencies recently that Wells Fargo re-inserted XXXX , past due balances of XXXX, stating that I owe XXXX per month from XXXX XXXX thru XXXX XXXX 

Wells Fargo are mandated under " FDCPA '' to verify and validation of the original Note and Mortgage Trust Deed. The Demand for payment along with the supporting documentation has been falsified which misleads the courts and Federal regulators with fraudulent documents as per guidelines of the XXXX XXXX and The Amended OCC XXXX Consent Order, Wells Fargo is in violation of the Amended Office of Comptroller and Currency XXXX Consent Order regarding this loan In particularly ; 1. Article IV - Compliance Program 2. Article VIII - Management Information Systems 3. Article IX - Mortgage Servicing 4. Article XIII Any modification agreements that were executed with security deeds under FHA/HUD/VA and were placed in XXXX XXXX Pools which did not follow XXXX XXXX guidelines is null and void per the regulations of XXXX XXXX Mortgage Backed Securities. This policy is under XXXX XXXX Documentation Requirements for Servicing of Modified Loans in MBS This letter requests VALIDATION AND VERIFICATION of the alleged debt accompanied by an Affidavit from the Alleged Lender. The Affidavit that 's MANADATED UNDER THE OCC XXXX CONSENT ORDER I requesting for Wells Fargo to please provide the following : 1.Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 
3. Provide details how the alleged debt was calculated to date 4. Provide copies of any papers that show that I agreed to pay the alleged debt with my signature that follow XXXX XXXX GUIDELINES 6. Identify the original creditor. 
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds 8. Provide evidence that the Statute of Limitations has not expired on this account PER FCRA AND NATIONAL BANKING ACT 9. Provide evidence that you are licensed to collect in my state. 
10. Provide in the AFFIDAVIT you have not violated the National Banking Act ; 29. The Power to Hold Real Property
I turned in my lease vehicle and thought you should know about what I consider to be a deceptive and unscrupulous practice. About a month after turning in my vehicle I received a bill for something called a " disposition fee ''. Apparently this is a fee charged if the person returning the vehicle chooses not to purchase the vehicle. When I reviewed the contract with the finance person at the dealership he went through every line except this disposition fee line. To this day I still do n't know what a disposition fee is. I feel like the disposition fee line was purposely avoided by the dealer so as not to make me aware of it. Had I known about this fee I would have challenged it or refused to sign the lease. This practice needs to be investigated.
I am uploading proof from a copy of my XXXX credit report proving that an account XXXX XXXX XXXX and XXXX were deleted off my credit report. Experian and XXXX  just keep updating these accounts that do not belong on my credit reports. I have been disputing this information for months now. Experian and XXXX want a copy of another report that I have that proves these accounts were deleted. I am uploading the proof. I get nowhere when I contact experian and XXXX
Aspen Collection is tr ying to collect maintenance fees in the amount of {$290.00} from o ur ( m y husband and I ) rescinded timeshare contract from  XXXX   XXXX   XXXX   XXXX . Aspen sent us a notice of collection in  XXXX  of  2016 . At that time, our timeshare contract was still in the process of still being cancelled. We disputed the debt with a response letter on  XXXX   XXXX   2016 . Aspen responded to our letter on  XXXX   XXXX     2016  with a copy of our contract. The issue is Aspen has not sent anything else in writing since  XXXX . It took my husband and a little over a year for the cancelled timeshare contract to be processed. From what we know as of  XXXX   2016 , our timeshare contract has been rescinded. We have not received any contact or documentation from the resort since  XXXX   XXXX   2016 . It has caused us much financial distress and something we never wanted to purchase in the first place. We were pressured into buying it through fraudulent practices and false promises by the  XXXX   XXXX . My credit took a hit due to the collection of the maintenance fees being sent to the   XXXX   credit bureau. Howeve r, Aspen has  been calling our house at least once a week over the last month still trying to collect a debt. They have not sent us any documentation since  XXXX   XXXX . It is our impressio n that Aspen is u naware our timeshare contract has been rescinded and is trying to collect on something that no longer exists.
Equifax mishandled extremely sensitive identity information. When a data breach occurred affecting me, I found out via the news. Equifax made no attempt to call, text, or email me with this very important and time-sensitive information ( despite clearly having the necessary information to do so ). 

When attempting to use the company 's offer of credit fraud monitoring service, the terms-of-service require opt-out of legal rights to join a class-action suit. Since joining a class is a very reasonable and likely remedy for me to recover damages from Equifax 's actions, this clause negates any value offered via Equifax 's proposed remedy. XXXX
I have made multiple calls from XX/XX/2018 and submitted documents and each time I've been told by a CSR that the incident is still under review, but that they will escalate this incident to a supervisor.

Federal Law requires that you provide mechanisms to ensure that each item in our report actually belong to us. In addition, we have provided you with additional documents and information shows differently. This information is, once again, included below. Therefore if the reported items are inaccurate, misleading or incomplete ; you may have violated the Federal Law.

Also, we requested this investigation on XX/XX/2018 and now it is almost 90days. This also violates the 60 days period to complete the inquiry. I expect you to conclude this investigation immediately. If you have any questions, please let me know.
debt collector sent me and my friend a letter about a lawsuit against use for XXXX dollars but the thing is we never got served papers.i called XXXX XXXX clerks office an there was a lawsuit filed in XXXX/XXXX/XXXX but they say they served use on XXXX friend says he never got anything from them but a letter in the mail a month ago.for me they said they served me but i was n't living at the address they said they served me at for almost 2 years.in the letter it says to file an answer to the court i just got a letter on XXXX/XXXX/XXXX, why do they keep asking me to file an answer after 5 months if they know that there in the wrong. i did n't have a chance to file a answer or dispute it, they are known to pull this kind of illegal tactic before on other people.
CFPB CASE NUMBER XXXX WFHM sent response to case and provided contact person name and number her voice mail states will call back within 24 hrs I've now left two messages for her and she refuses to respond XX/XX/XXXX and XX/XX/XXXX, voice mails left for her including the cfpb case number please help in simply getting the assigned contact person to respond here is here info listed from WFHM contact response letter they sent me XXXX XXXX XXXX ext XXXX thank you
Through Navient, was on a income based repayment place and authorized the agreed amount of {$670.00} to be withdrawn from my account on the  XXXX  of every month. On  XXXX   XXXX ,  2017 , Navient withdrew {$650.00} from my account. Then proceeded to withdraw the regular payment on the  XXXX . Called Navient to address issue and they said I agreed to have an extra payment taken out, which there was no record indicated on the account. I am not currently on the thi rd month (  XXXX  ) an d they are still proceeding to take an extra {$600.00} out of my account every month.   This is jeopardizing my account and has put me in the negative.   Navient has said they will investigate the matter and refund the money that was taken out of my account, as of today  XXXX   XXXX ,  2017  this has not happened.   I have managed my money to make this payments accordingly, and with these extra withdrawals this has put me in the red and Navient has shown no interest in fixing the issue.
On XX/XX/XXXX and XX/XX/XXXX I filled out the online form for TransUnion to place a freeze on my credit report as a result of the recent data breach. I filled in all of the information they requested correctly, including several follow up multiple choice questions, however, I received a message that they were " unable to process my request '' without any further information. While they were unable to do what I asked ( for reasons that are unclear to me ) they did immediately send me a marketing email for a costly credit report monitoring service.
I have applied few times to get help for mortgage assistance with my XXXX delinquent HELOC Acct 's Wells Fargo delayed the process, and kept telling me I do n't qualify for a mortgage modification with out reviewing the attached package. I am frusterated with no response from my lender, delay after delay with no request in review after I have taken time to fill out all their requested paperwork. Please help me resolve this matter - I have a hardship and I am seeking for assistance, Thank you
XXXX ( a company ) at XXXX XXXX XXXX, XXXX MA XXXX. Phone XXXX. They checked my credit with Experian for the sole purpose of taking adverse action against me. They had no right and no approval on XXXX/XXXX/2014 to get information, and a few days later they used information to Justify my financial position to come after me in a lawsuit. I have opened a complaint with Experian as well.
After reviewing my credit report I have found an collection account listed as NCC BUISNESS SERVICES collections with the account number XXXX in the amount of {$1400.00} of which I was not aware of. I have never had any business dealings or communication with this company so there is no reason for them to be reporting an unpaid collection on my report.I did not receive any correspondence from this creditor prior to the posting of this collection on my credit report, in fact I just received a letter from XXXX dated XXXX XXXX, 2017 giving me 30 days to respond and rectify this account. Well as you can guess it has not been the allotted 30 days for me to respond and it already has been posted to my credit report. So, they should not have posted this account to my report for the reason of not giving me adequate notification to respond to the debt.