WillisBack/dataset-financial-user-claim huggingface dataset:
around XX/XX/2015 my account was low on funds and i desperately needed to feed my kids for the day. i wrote myself a check for {$20.00} and deposited in the atm. I knew that my direct deposit would be in my account by the next morning. by the next morning the bankn had closed my account, reported me to chexsystems as fraud and an unpaid balance. when i went into the branch to find my paycheck and to see what happened they said the account was closed. The {$20.00} as paid at that time so i dont owe them a balance and i dont feel i should have been put in chexsystems as fraud. i have tried repeadily to get this corrected and no one seems to know who supposed to speak to or call. as a result of this i can not open a bank account anywhere. i have talked to customer service, risk dept and branch personel and gotten no where.
Phone call XX/XX/2018 @ XXXX from phone number XXXX Phone call XX/XX/2018 @ XXXX from phone number XXXX Phone call XX/XX/2018 @ XXXX from phone number XXXX Phone call @ XX/XX/2018 @ XXXX from phone number XXXX Federal law ( FDCPA ) requires them to send me a letter ( US MAIL ONLY ) postmarked within 5 days of their first contact that contains their name, physical address, the creditors name, and the amount of the alleged debt. It also must contains mini-Miranda telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. 

I have received zero written notices regarding any outstanding debts however this company has called me constantly for at least a year. I have tried blocking their phone numbers, they keep changing phone numbers and calling me over and over again.
I am filing a complaint because Pro Collect Inc. is not licensed to collect debt in my state ( Texas ).
on XX/XX/XXXX18 too my dog to be treated for XXXX dr did XXXX XXXX on him and said he found nothing wrong with him. So I took my dog to a other vet clinic and that dr prescribed him XXXX I disputed with Citi bank two times and last dispute they told me if I got a letter signed by his last vet dr who took care of my dog he put him in XXXX. They told me if I send them letter signed by his last dr they would give me credit and they lied. I still have the charge in my account and that is why I contacted cfpb I hope you understand my situation and please help me I feel is not fair to pay XXXX when that dr didnt even take care of my dog all he did is test and said theres nothing wrong with him. so why did last d prescribed him with XXXX if there was nothing wrong with him. This the reason of my dispute I refuse to pay this merchant for his bad incompetence services. and he also send me a letter stating to never put foo in his clinic I feel that is like a threat and very unprofessinal. Thank you hope you understand XXXX XXXX
" " '' I have disputed this Account on this XXXX XXXX XXXX   XXXX for months.XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I got an alert from XXXX that experian inserted a new inquiry on my credit report. I 've never heard of this company, XXXX, never aufhorized any inquiry from them, it just popped up.
I am a Fraud/ID Theft victim and have Extended Fraud alerts on my 3 CRAs reports. All 3 bureaus have my police and FTC ID Theft reports on file. XXXX & XXXX quickly and appropriately removed the fraudulent accounts, inquiries and addresses, however, Equifax has done NOTHING. Below is a list of the accounts and info I have notified them of the fraud about. 

XXXX  XXXX XXXX Revolving Account Number : XXXX Payment Responsibility : Authorized User Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$8800.00} Monthly Payment : {$0.00} High/Limit : {$8800.00} Account Status : Collection Past Due Amount : {$8800.00} Comments : LAST REPORTED DELINQUENCIES : XX/XX/XXXX=XXXX,XX/XX/XXXX=XXXX,XX/XX/XXXX=XXXX AMOUNT IN HIGH CREDIT ORIGINAL CHARGE-OFF AMOUNT XXXX XXXX XXXX Account Type : Installment Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$37000.00} Monthly Payment : {$990.00} High/Limit : {$43000.00} Account Status : As Agreed Past Due Amount : {$0.00} Comments : LAST REPORTED DELINQUENCIES : XX/XX/XXXX=XXXX,XX/XX/XXXX=XXXX,XX/XX/XXXX=XXXX  XXXX XXXX Account Type : Revolving Account Number : XXXX Payment Responsibility : Authorized User Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$13000.00} Monthly Payment : {$0.00} High/Limit : {$13000.00} Account Status : Collection Past Due Amount : {$13000.00} Comments : LAST REPORTED DELINQUENCIES : XX/XX/XXXX=XXXX,XX/XX/XXXX=XXXX,XX/XX/XXXX=XXXX AMOUNT IN HIGH CREDIT ORIGINAL CHARGE-OFF AMOUNT XXXX XXXX Account Type : Revolving Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$3200.00} Monthly Payment : {$0.00} High/Limit : {$3000.00} Account Status : Collection Past Due Amount : {$3200.00} Comments : XXXX XXXX XXXX XXXX Account Type : Installment Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$8900.00} Monthly Payment : {$390.00} High/Limit : {$21000.00} Account Status : Collection Past Due Amount : {$8900.00} Comments : Show Details XXXX XXXX XXXX  Account Type : Revolving Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$4100.00} Monthly Payment : {$41.00} High/Limit : {$2000.00} Account Status : Collection Past Due Amount : {$1300.00} Comments : XXXX XXXX XXXX   Account Type : Revolving Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$4700.00} Monthly Payment : {$48.00} High/Limit : {$2000.00} Account Status : Collection Past Due Amount : {$1600.00} XXXX XXXX XXXX Account Type : Mortgage Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : $ XXXX  Monthly Payment : High/Limit : {$180000.00} Account Status : Late Over 120 Days Past Due Amount : {$0.00} Comments : LAST REPORTED DELINQUENCIES : XX/XX/XXXX=XXXX,XX/XX/XXXX=XXXX,XX/XX/XXXX=XXXX
I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me.
XXXX XXXX XXXX is reporting to be collecting on an alleged debt. Upon review of the Florida Office of Financial Regulation they are not licensed in the State of Florida. Supporting documents attached. Their license expired in 1997. How is this legal?
I filed chapter XXXX XXXX 2007. It was dismissed not discharged. It has been well over 7 years since the date filed and Equifax refuses to remove it. Also I have XXXX federal tax liens on my report that have been paid and released that were filed XX/XX/2007 and XX/XX/2007 and have been well over 7 years. Equifax refuses to remove all XXXX public records but XXXX and XXXX have done so. I would like these records removed please. Thank you
did n't know that payday loans were prohibited in the state of GA and company did n't make me aware
this month of  XXXX     2017 i ha ve several small charges and a refund f rom Amazon. the bank  and coustomer service deny the going ons ... i belive it to  be a 3rd  party.   XXXX   my bank is filing for fraud .  XXXX   XXXX    2017.     XXXX
I received XXXX scholarship to go to school, however I lost it mid way into my XXXX year. They demanded I pay back all XXXX I owed them ( them being the XXXX ) which of course I did not have the means to at the time. It was sent to collections at which point it was tacked up to XXXX. The new agency refused my offer to make payments that I could afford and instead sent it to a new new collections agency after a few months. The new agency put a new fee on it, bringing it up to XXXX. Once again I contacted them and was told to enter into a repayment plan I would need to pay XXXX a month. If I ca n't make this new plan, it will likely be passed to a new collections agency and a new fee will be assesed. I only make {$14.00} an hour and my wages are being garnished, not to mention I 'm still paying off the federal loans I took out to finish college. I consulted with a bankruptcy attorney, but was told that it would likely not work due to the fact that the funds were used for educational purposes. I feel as though I will never get out from under this, or have credit for that matter. A college education was not worth this crushing debt. XXXX collections agencys seem to be completely unwilling to work with me.
I have been going back and forth with Equifax since 2016 reference an account that does not belong to me. I have provide all letters notorized and FTC report and police report and they still refuse to delete these accounts from my credit report. I also provided this to the creditors and it was removed from the other bureaus but Equifax keeps stating that it was verified. There 's no way that is possible. They have betrayed us citizens by allowing people to have access to our information and then tried to cover it up. This is totally unacceptable and should be dealt with accordingly.
Wells Fargo Mortage, if forcing flood Insurance on my account at the highest rate. 
I am part of a current law suit over this situation. 
I dont live near the XXXX and my home is a manufactured home which is XXXX Feet off the ground anyway. 
The area I live in is a a/b flood zone which means it could flood in XXXX years. This allows FEMA and the bank to charge whatever they want and ignor the height of the home etc. 
Iam unable to obtain a elevation cert. as no company wants to take the time for my home where I am meaning its not worth it as it is highly unlikely to occur and if so my neighbor does not have to have it. If there was a great flood he would under water well before myself as he is in a standard block home.
My XXXX XXXX XXXX XXXX account dropped off my Experian Credit reports at least 40 days ago. I just pulled a new Experian report this morning around XXXX XXXX and the XXXX accounts are showing up again.
On XXXX XXXX, 2016 I received a phone call from ( XXXX ) XXXX XXXX at XXXX am EST, stating she was a debt collector from XXXX in XXXX. I live in XXXX and asked that the bill be sent to me. The agent refused and said I needed to pay and that " we sent you the bill you just trashed it '' at that point I told her the phone call is recorded and she laughed and ended the call. I as simply asking for the bill to be sent to me and telling me that I " trashed '' the bill instead of sending it to me is completely harassing and making lude comments about throwing things away is unnecessary.
There is an address listed in XXXX that was related to a fraudulent account. The, fraud that occurred was straightened out over 10 years ago, but the address associated with that fraud.needs to be removed from my records. I have never lived outside of California
never was late on anything, so was talked into getting a reverse mortgage, a new car, and was told I'll be getting a check for life for oil. I'm a single senior, and because I was talked into this I was charged fees for the reverse mortgage, Very High interest rate, so won't be able to pay off my home as soon as I had wanted to. Had absolutely No Problems paying my mortgage, but now I'm SO STRESSED over having to pay about double of what I used to pay, before this reverse mortgage. Can't rest thinking on paying over nine hundred dollars a month in interest, and was told I don't need to pay on the principle. I burst out crying, because they are trying to take my home away from me, my children and grandchildren. Being a XXXX female, gone through many trials and tribulations I never imagined my home would get taken away from me. I need things back as they were. They offered to help me for 6 months, and then I'm on my home but what can I do after 6 months with a new car on my credit? I was promised {$500.00} or {$600.00} in an oil deal, but nothing as yet has come of it. This is the reason I was talked into getting the car, so I depended on paying it with what I get from the oil deal. I'm SO DISTRAUGHT, I don't want to accept their money!!! I want my home back the way it was!!!
In XX/XX/XXXX I was in a car wreck but was making payments on bills. I assumed debt was paid off. However about two years ago someone acting to know me called me at work when I noticed it was n't anyone I knew I hung up phone. I was servered papers by someone that was very rude and got me in trouble with work stating they where going to have a court date and begin garnishment of my wages however I was in college at the time and not getting paid for my work I was in a training position volunteering my time to gain knowledge of my profession. Creditor XXXX and XXXX took my XXXX dollars of a student loan I was getting to pay for my classes I have records from Navient to prove this fact and caused problems with my courses because they took my funding for college courses at XXXX XXXX XXXX which I also have records showing I was in college there from XX/XX/XXXX to beginning XX/XX/XXXX then I was at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX.  I lost my position at XXXX due to harassment by creditors on business phone. I was recently highered by a collision center XX/XX/XXXX about two weeks ago I was served again garnishment papers which then also got me in trouble with my work that to is only a training program but I do get paid enough to pay for tools needed for my jobs duties. I missed payments on my tools due to garnishment and it 's causing problems at my work. For several month I received calls about this debt and still have them saved on my phone. I was not given any chance to defend myself either and talked to an attorney which said there is a statue of limitation on debt of 6 years however it 's been over 14 since. I hope something is done about this.
WF admitted their error of not attaching the six-month 5 % Grocery/Gas/Drugstore bonus in the attached response to our original CFPB complaint dated XXXX XXXX. 
Subsequently, they did nothing to add the 5 % back to our account. So they are simply lying to their customers!! They did not provide a direct number to XXXX XXXX XXXX for us to follow through, either. 

We demand that the six-month 5 % promotional bonus be added to our account immediately!!
I told them that ii do not owe them this debt over the phone and I e-mail them online and I am repudiating this debt, but they still send me letters and call me on the phone. GC services limited partnership, XXXX XXXX XXXX XXXX tx XXXX, XXXX.
Capital One refuses to open credit card dispute/chargeback over the phone even though their web site advertises that you can open a dispute over the phone. http : XXXXI called them twice and they refused to open the disputes both times and tried to forward me over to the merchant instead.
I applied for a loan modification in late XXXX after my divorce. I began the process and submitted necessary documents in XXXX. I kept having to resubmit documents however they collected everything in XXXX and I was notified in early XXXX that the modification was rejected I called for a reason on XX/XX/XXXX and rep advised that It was rejected because my loan was not eligible until XX/XX/2019 for an modification so I wasted 6-7 months working and waiting on something they knew was not possible and never advised me until it was too late
Hello, after repeated attempts and interminable phone tree choices I have been assured that " the check is in the mail ''. 
I am to please understand that up to seven working days are needed to allow the check to arrive. 
the last check sent to to me by Nationstar actually bounced a week after depositing it in my checking account. 
I repaid my loan in full via electronic funds transfer on XXXX/XXXX/15. It is XXXX/XXXX/15 today. 
it seems like there are XXXX very distinct sets of rules here. XXXX set for me as the borrower with strict timelines and harsh consequences. 
and basically no rules at all and with no consequences for Nationstar. 
I would like to speak to a representative from your department at earliest opportunity. 
Thanks, XXXX XXXX
Hi there I tried to contact Free Annual Credit Report on XX/XX/XXXX,  and submitted to CFPB on XX/XX/XXXX also the first complaint re not getting my Transunion report ( or XXXX report ). On XX/XX/XXXX I had a response to complaint XXXX about TRANSUNION. Transunion asked me to resubmit complaint with a copy of two documents ( documents to choose from a list - one being a bank statement ) - because they wanted to see my latest mailing address. I am now resubmitting the complaint with two copies of bank statement from within last two months. Please send me my free credit report
The company Lexis Nexis has reported a XXXX XXXX XXXX as XXXX XXXX XXXX XXXX on my record. All of a sudden all of my affordable insurance have gone through the roof!!! I requested a copy of my insurance scores by making an on line account after a nice gentleman told me about them..I had never heard of them. They locked me out!! I sent a letter returned. I am in insurance XXXX. I cant get new insurance anywhere ... I am now a risk. I have good credit own a home and no ticket. I am XXXX this has ruined me. 
Here is the address : XXXX XXXXXXXX XXXX XXXX GA XXXX Here are phone numbers that dont work : XXXX. XXXX
I submitted some reports for fraudulent accounts on my credit report and Equifax did not remove them.
XXXX Credit Reporting error I have contacted XXXX XXXX XXXX and have received the letter confirming that the account was closed and there are no issues. Please remove this from my credit file. XXXX XXXX Opened XXXX Reported XXXX Hi. Credit {$200.00} Credit Limit {$200.00} Thanks XXXX XXXX XXXX
It started when we had a new roof put on the in the spring after a storm and summer of XXXX.When done in the fall I went to XXXX, we got the info before they did. Theysent us a letter they cancelled us because of the roof, we have until XXXX of 2018. We were hoping to go with travellers since our vehicles were with them.They sent a person nto inspect, we, we made the necessary adjustments and were turned down. I kept calling until until I couldfind one, we did, we let Bank of America know.  We found out they were double chargingus for homeowners insurance and still are. We kept making our payments every month. We even filled out a form about our income since we are retired. They saidthey never received it. In XXXX I called XXXX XXXX homeowners insurance and we were approved. I call themortage company letting them know the change. The person said are you with travellers and I said no and apparently they thought we were. A month later a letter came from from Bank of America saying you are doing a modification with XXXX XXXX and XXXX no choice. We told them no and the reason why. Then in XX/XX/XXXX.we were sold to this debt collector was taking over we said no. We are making all payments to Bank of America to their payment centers. We told this agencey do not call. They have been making robo calls. We have a lawyer working on this situation for us. We signed a letter for Bank of America, no signed contract with the other agency. We owe less than what our house is worth.
I signed up for a Citigold checking account in XXXX 2015 due to a promotion I saw advertised to earn XXXX bonus Thank You points. According to the terms of the promotion, I needed to open a new Citigold checking account and make two bill payments in two separate months. I called the Citigold service number to confirm that the promotion was valid and that I was eligible to sign up. I was verbally assured that I was. I made two bill payments in XX/XX/XXXX and two XX/XX/XXXX. I then called to confirm that the promotion was successfully attached to my account and that I had met the terms. The agent said that the promotion was successfully attached, but that I should also be sure to make bill payments in XX/XX/XXXX, since the XX/XX/XXXX payments happened at the end of the month and might count for XXXX. I did make payments in XX/XX/XXXX and then call to confirm that I had met the terms of the promotion. I was told that I had and that the points should be posting shortly. I called again in XX/XX/XXXX. At that time, I was told that I had met the requirements XX/XX/XXXX, but that it could take up to 90 days to receive the points. I called again toward the end of XX/XX/XXXX and was assured that the points would be posting shortly as we were at the end of the XXXX window. When the points did not post, I called in XXXX and spoke to the same agent I spoke to in XX/XX/XXXX. He assured me that the points should be posting and that he would open an investigation as to why they had not posted. I later received an email stating that this was a targeted promotion, and that I had not been targeted. I called, but the agent I was forwarded to said there was nothing I could do. Oddly, this agent then asked if I had any immediate family members who had been targeted. I did not know at the time, but I recently learned that my mother receives this offer almost every time she logs into her Citibank account. Nevertheless, I feel that I was not given the points I was promised as part of this promotion.
XXXX XXXX, Capital One and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers
I have been paying on the Income based repayment program to qualify for the student loan forgiveness program for nearly 8 years now. On XX/XX/XXXX, I called to request an update on a Income driven repayment application I had placed to change my program to a lower payment. I called XX/XX/XXXX to inquire about the status of my application. I was told to call in after the XX/XX/XXXX to have it exedited had I not heard back by then, that everything seemed in order to have that application processed, nothing was out of the ordinary. 

Upon calling today ( XX/XX/XXXX ) I was told the student loans in question did not qualify for any other IDR plans other than IBR and nothing would be done about the application. I was also told that the loans I had, do count towards the Public Service Loan Forginess program, which I thought I had been paying for the last 7-8 years. I have called in to Navient many times over my years of repayment to reinstate my IBR. In those times I have questioend them about the PSLF program and if I was staying in the requirements of that program. Not once had I been told I had the icorrect loans. 
So I am left with the option of paying my IBR another 15 years when I was led to believe I had <3 years left to apply for the PSLF prorgram, or consolidate my loans to a direct loan and start from scratch to make my 120 loan payments, so they will be forgiven. 

I have had phone conversations with Navient about what steps not to take to make sure I qualify for the PSLF. Those specific conversations incluced being told NOT to consolidate my loans. NEVER once was I told that the type of subsidized loans I had did not qualify for PSLF. 

I am extrmemely frustated that I have just now been slapped with {$35000.00} in loans I had been led to believe was going to be forgiven in the near future.