WillisBack/dataset-financial-user-claim huggingface dataset:
Hello. My card ends in XXXX. The account was closed bc of a fraud alert by my three major reporting agencies. This was a secured credit card which was funded directly as an ACH transfer of funds ( XXXX  ) Ive never used the card and it has a XXXX   balance. I was never notified that the account was close and it was embarrassing to experience a decline. I called and spoke with a senior manager of escalations within the fraud department named XXXX. employee id XXXX the call took place on XX/XX/18 around XXXX EST. She wasnt able to let me know when the refund would occur or what process it was going to occur. Im extremely dis satisfied with the outcome of this company and promise to never continue doing business with your brand again! You could have just asked for verification of my identity if there was an issue.
I received a promotional offer for a Wells Fargo XXXX XXXX XXXX XXXX. Included in this promotional offer was a {$300.00} cash for {$3000.00} in charges during the first 3 months. Wells Fargo included fine print that said that I am not eligible if I received another promotion during the preceding 15 months. Wells Fargo had this information at the time Wells Fargo solicited my credit card business. Wells Fargo determined that I was not eligible for this promotion, but they accepted my application for the card and did not inform that I was not eligible for the promotion. Wells Fargo should not solicit credit applications from people using a promotion that they are not available to receive when Wells Fargo has that information at the time of the solicitation. Worse, Wells Fargo should inform accepted cardholders that responded to a promotion that they are ineligible to receive, that they are ineligible to receive it. Wells Fargo is comfortable that they solicit credit applications from potential customers that are ineligible for the advertised promotion and does not feel the need to disclose their determination of ineligibility to the accepted applicants. This is wrong. I informed Wells Fargo Credit Card executive office, and they are comfortable with both the misleading solicitation and the lack of disclosure. This was confirmed to me by XXXX XXXX on XX/XX/2019.
I asked them numerous times for a written contract bearing my signature and they have not provided me with that information. I also disputed this debt with the credit reporting agencies. I did not enter into a contract with this company and it says it was opened XX/XX/2015 which tomorrow would make it 3 years under the statue of limitations in Maryland to try to collect on a debt. Please help me remove this derogatory mark on my credit so I can get my scores closer to where they should be. Thank you. 

Company name : SW Credit Systems amount : {$180.00} opened : XX/XX/2015 acc. # XXXX
XXXX XXXX At XXXX XX/XX/XXXX 2012 I contacting the collections agency and there is no way to contact the original debtor. I was a victim of a property manager there who copied court ordered documents and switched the dates in order to force evictions and get judgements. The company no longer exist and it has affected my credit and any possibility of renting another property. I have been trying to get this problem resolved for sometime now. The amount is {$3400.00} and is handled through National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
NO idea what this is for ... ... ... ... 
Tried communicate with the company they talk in circles or do not send detailed information of this debt to verify. 

I need this removed from credit report immediately, if unable to provide proper back up it has been since XXXX that I requested information
On XX/XX/XXXX I placed a call to Experian after reviewing the latest copy of my credit report provided to me by XXXX XXXX. Upon review I noted multiple inquiries that I did not authorize or have knowledge of. I called and spoke to a representative who said there was nothing they can do. That I need to contact each creditor individually and the could remove the inquiry by faxing them. As I began calling creditors they said it was the responsibility of Experian to remove such inquiries. I have placed fraud alerts on all 3 credit bureaus and I request that the inquiries that are invalidated/fraudulent be deleted from my credit report. XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX
Macy 's is erroneously reporting a negative payment history for XX/XX/XXXX to my XXXX credit report for a credit card that was settled XX/XX/XXXX. The account balance is correctly reported as XXXX and the payment status is correctly reporting as " Settled, '' however the erroneous reporting of a recent negative payment history has a significant and negative impact on my credit scores. XXXX and XXXX correctly report an " OK '' payment history for this same time period, so although it is possible that the fault lies with XXXX, Macy 's has ultimate responsibility for the accurate reporting of this account.
My job received a letter from XXXX County NJ courts to garnish XXXX from my wages. My employer funrnished me a copy, this was the first I heard of this alleged debt. I called New Century Financial who  supposedly purchased the debt, from another collection agency. As far as they could tell the original debt is from XX/XX/2003. I told her the practice to collect on such an old debt is at best unethical and at works illegal. I was informed that XXXX XXXX on credit card debt for 20 years which is a lie and illegal. Since she refused to help, I called the court house and they confirmed the original debt was from XXXX in XX/XX/2003. The Statute of Limitations is for 6 years on a credit card debt. This is 15 yrs old. Furthermore I do not recognize the debt, I do not remember having a credit card from XXXX ever. Therefore here has been no payment on the account that could possibly renew the 15 yr  old fraudulent debt. The law firm of XXXX, XXXX XXXX XXXX XXXX XXXX is buying Zombie Debts and using unlawful practices to obtain money from people. Also the XXXX County Courthouse should have known better!
XX/XX/XXXX I mortgaged ( through a HARP loan ) my property located at XXXX XXXX XXXX in XXXX, RI to Green Tree XXXX and had my taxes escrowed. Taxes on this property are $ XXXX/yr. ( $ XXXX/quarter ). An amount of {$350.00} was transferred from the previous lender into the new escrow account. Monthly escrow was set at {$180.00}. XX/XX/XXXX they paid the quarterly taxes of {$560.00}. In XXXX they paid the quarterly taxes but in the wrong amount. They paid {$580.00}. The tax collector called me and alerted me to a problem. I called the bank and I thought it was all taken care of. 
XX/XX/XXXX they paid {$560.00} which was the correct amount. But in XXXX they paid {$1100.00}. The amount they paid was a combination of my XXXX properties. Again XX/XX/XXXX they paid {$1100.00}. XX/XX/XXXX I received an Escrow Disclosure Statement telling me I am XXXX dollars behind in my taxes. I have sat on the telephone with the bank from XXXX of this year until last week when I finally gave up. They have people dunning my account and telling me to pay up or else. XXXX XXXX XXXX unnamed ) and I had a shouting match and he told me if I did not pay all of this money owed they would foreclose on my home. I did not do anything wrong. They made the mistake and they need to fix it. Every time I called them to get things straightened out they said they needed to investigate and after each investigation they always came back with the same results and that is I owe them XXXX dollars and I better pay up. I have only had this mortgage for one year and it should not be that difficult for them to figure out what they did wrong. I am at wits end and need help.
The company procollect was given my account after my duagjter moved out of an apartment complex in which I was guarantor, the charges were way more that anyone would ever pay for simple bathroom and kitchen cleaning for a stove to be cleaned that never even worked the entire time she was there, carpet repair when there was no carpet even in the apartment, I tried to explain my situation and that I would pay for reasonable charges but they do n't care about the principle or my innocence, they insist that I pay the XXXX dollars in full. I have called several times year to procollect and the apartment community and not one person is professional enough to at least investigate the matter. This is the only negative thing on my credit, I have never made a late payment on anything. I am professional RN for 16 years and am able to pay my bills, it is the principle here not the money. The unprofessional manner of procollect and their staff is unacceptable to consumers whom do actually pay their bills on time. The staff never even offered to call the apartment community to see if we could come to a conceses, they basically treat you as a lying flake
We have been paying our current mortgage after the refinance since XX/XX/XXXX with no late or default, however our original house appraisal was done in XXXX for the amount of XXXX ( during the purchase ), and the original loan for XXXX. Wells Fargo Mortgage is now saying to remove PMI from our loan we would have to pay off over 159,000 dollars ( current balance is XXXX dollars and an estimated value of over 370,000 dollars ). They have stated today that they have no appraisal on file. The Wells Fargo representative also stated that we would have to spend XXXX dollars to have a new appraisal done on the house by one of their representatives, and to dispute this we would have to have 2 other appraisals done by 3rd party licensed appraisers, which they may still not accept ( all in all over {$1500.00} ). We live on a 2 acre property in an area where land sales are going for over $ 40-50K/acre and I know for a fact that similar real estate in this area has sold for well over the $ 375K-400K mark. I do not trust Wells Fargo to do an honest and accurate appraisal, as it is to their best interest to keep the property value low, however I'm not in a position to pay over 1500 dollars to pay for all three appraisals only to have them turn over the appraisal and call what they have done accurate. 

Please help.
yes pnc bank charged my mom XXXX late fee???? balace is now XXXX????? should only be XXXX? im my mos XXXX going thru hardship?? like too see if we can get the XXXX late fee waived?? were very loyal long customers????? like too pay just the XXXX on phone??? my cell number XXXX
Lending Club Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I ordered XXXX dresses from Macy 's and charged the purchase on my Citibank credit card. I returned all XXXX of them in XXXX package. Macy 's says that the package contained only XXXX dresses and would not give me credit for the XXXX. I have spent hours and hours on the phone with Macy 's and Citibank but to no avail. My attorney sent a certified letter to Macy 's XXXX/XXXX/15 asking that they not contact me, credit my account in full and remove any negative credit rating reports they may have made. Macy 's continues to call me and send me monthly statements with added fees.
I have a savings account and was told that first I had to have a {$2000.00} limit or be charged a service fee then I was told to avoid the service fee my account balance had to be {$2500.00} or have a deposit of {$75.00} monthly. 
I opted to have the deposit of {$75.00} and was charged the service fee. This institution changes the requirements at will and now wo n't xplain why this service fee charge when their requirements were followed.
I have disputed accounts # XXXX, XXXX, XXXX, XXXX, XXXX with Medical Data Systems, Inc on XXXX/XXXX/2016 and I sent my dispute certified mail requesting validation of this debt. Medical Data Systems failed to provide me with a copy of any viable evidence, bearing my signature instead they send me a copy of itemized billing statements that is a HIPAA violation. A second certified letter was sent XXXX/XXXX/2016 and only XXXX removed all accounts, XXXX still reporting XXXX ( XXXX ) account and XXXX still reporting all accounts as accurate. A third certified letter was send XXXX/XXXX/16 and today I received a letter that is attached above. 
They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove these listings from all the credit bureaus. If you refuse, I will take legal action immediately!
There are multiple accounts that have been repeated with the same account numbers and i have asked several times for account to be removed. Very old accounts also
Ocwen Laon Servicing deleted all my XX/XX/2016 Payment history. 
My payments were {$360.00} dollars amount. 

There is an error on what the amount owed in arrears. OCWEN is stating I have over {$23000.00} in arrears but in actually is somewhere around {$12000.00}. 

I need my XX/XX/2016 statement updated, I ha e actually statements that reflect the mortgage payments. 

Ocwen recently returned my cashiers check of XXXX. 

After discovering this error, I like to request full cooperation from the company. I emailed both the relationship manager and ocwen but no one has returned my request I plan to file bankruptcy to resolve this matter to get this mortgage situation resolve
Due to financial hardship, I was unable to make my semimonthly loan payment. I requested ACH ( automatic withdraw ) to be removed from my Blue Trust Loan account on XX/XX/18 via email and again via telephone on either XX/XX/18 or XX/XX/18. I received verbal confirmation that this was done. Despite this, on my next payment due date, the full amount was automatically withdrawn from my account. When I called to complain, I spoke with " XXXX '' and was again told that ACH was going to be removed from my account, but they would not refund the amount taken without my approval. I was essentially told that I owed that amount and they could collect it via ACH even without my approval. I am concerned they will continue to automatically take money out of my account without approval. I called the bank and they were likewise unable to stop payment.
Company : Security Credit Services Amount : {$1700.00} Dispute Letter Send Out XX/XX/2018 Security Credit Services trying to collect on a debt I Do Not owe. I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. I only notice because it showed on my Credit Report. I have never heard of or know of Security Credit Services or the company affiliated with them such as XXXX and XXXX. Around XX/XX/2018 I was notified that Security Credit Services had reported on my credit reports and the original creditor was XXXX. I received a collection letter from XXXX showing XXXX XXXX XXXX as a Ceditor and claiming I owed the debt so I requested a Debt Validation to supply me with the original contract with my name on it. Security Credit Services and/ or XXXX XXXX, XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX XXXX , XXXX, Security Credit Services, and XXXX with the Federal Trade Commission. 

Note : An attempt to contact Social Security Service by phone at ( XXXX ) XXXX was made on XX/XX/2018. Call was not answered and a message was left with the answer machine.
Evergreen Financial Services has had two different collection accounts with me. I paid one off in late XX/XX/XXXX/early XX/XX/XXXX, during which time I made clear they were not to contact me at work in regards to the second account I had with them. They had my cell phone and I let them know that was the best way to reach me. They've reached out via my cell on 2-3 separate occasions regarding the account I have with them since XX/XX/XXXX. On XX/XX/XXXX, one of my supervisors at work approached me to let me know Evergreen had called them looking for me. Upon taking the phone call, the agent, XXXX XXXX, claimed that " this was the number we had for you '' and that they were calling my employer. I let them know I had never given them permission, that this was a violation of regulations, and that they definitely had my cell phone since they had tried to call me a month earlier. I had also never disclosed this number to them, meaning they had utilized some other resource to find my work number. I informed them they needed to delete that number immediately and I would be filing a complaint.
On XXXX XXXX, 2015, I had just one face-to-face conversation ( wherein I did provide taxes & some other financial documentation ) with XXXX, a loan officer from Wells Fargo in XXXX, Washington to obtain his professional opinion of my debt-to-income ratio for a desired refinance of my primary residence. I clearly stated I did not want to move forward in any other way until he had looked through the docs & could be reasonably sure my scenario could meet their DTI requirements. He was told I did not want my credit pulled as it had just been pulled by an incompetent loan officer in XX/XX/XXXX & I did not want damage to my credit scores by multiple credit inquiries. On XXXX XXXX, I received my " notice to the home loan applicant '', and it was the only knowledge I had of this LO pulling my credit -- he DID NOT ask permission on XXXX XXXX, the date he pulled it. He was never given written OR verbal authorization to do so. They have no documentation of any sort signed by me in connection with this proposed loan -- no XXXX ( I never filled one out ) or any other disclosures, and certainly no authorization to pull credit. 
TO NOTE : From the time of the aforementioned credit pull in XX/XX/XXXX, my XXXX score dropped from XXXX to XXXX. I contacted their escalation department & spoke with XXXX who " investigated '' & called me on XXXX XXXX to tell me it " seems like a he-said-she-said situation '' and that he could do nothing. I said I had an emails wherein I questioned LO about why he had pulled my credit ( as well as why I was getting no contact or proper communication from him on any level ), and he asked me to send those to him. To my dismay, on XXXX XXXX he replied in part : " I 'm compelled to say that I think we do n't have enough information that it was understood that your credit would be pulled. Your email did n't state anything in regards to not telling the HMC to pull your credit. Unfortunately we will not be able to have the credit pull removed from your credit report ''. 
Being a former loan officer myself ( from XX/XX/XXXX-XX/XX/XXXX ), I am shocked that a financial institution has the right to intimate that I have to tell them NOT to pull ( which I did! ) or that ( perhaps any ) consumer would/should simply " understand '' their credit would be pulled! I ALWAYS GOT SIGNED AUTHORIZATION from my consumers! I 'm further shocked that this loan officer can just ( apparently ) say I gave him verbal authorization?! And XXXX stated in our phone conversation on XXXX XXXX that me providing some documentation ( again, never filling out an application NOR signing the authorization to pull credit! ) was considered by them as me " understanding that my credit would be pulled '' .... 
Can you please help me? It 's a real matter of principal for me.
XX/XX/2018 XXXX XXXX XXXX acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. 
Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff  attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. 
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner.
the company is trying to collect on a debt that is related to a repossession that occurred sometime in   XXXX  . As I am sure you are aware, Virginia contains statutes of limitations for written instruments including debts. The time period to collect this debt has passed.   Please remove the debt as collectible.
I was reviewing my credit card statements for my Best Buy Credit XXXX through CitiBank and I noticed a fee that they were calling a debt protection  fee. I went as far back as i could on the available statements which was XXXX of XXXX and noticed the fee was there. I do not recall ever agreeing to this service or signing up for it. If so I was misinformed of the product. The amount ranged from {$16.00} to {$19.00} each month as far back as the previously mentioned date above. I looked at the overall amounts charged in fees and here is what i found per year : XXXX - {$430.00} ( I had late fees in this so the fees for the service were likely around {$270.00} XXXX - {$280.00} XXXX to date - {$150.00} I checked the internet and saw that CitiBank had been recognized as committing unfair acts and I feel that I was one of those they misrepresented information too and taken advantage of. 

I feel like a fool for not keeping track of my statements and looking over them each month.
My name is  XXXX   XXXX . I am trying to refinance my home and I found out about some credit issues I would like to dispute. I have tried on several occasions on the dates of  XXXX ,  XXXX  &amp;  XXXX  of   XXXX   to access the " free '' dispute option on the  XXXX  and Equifax websites. Both by following a link from the CFPB website and directly accessing their websites. In each case I enter all of my information, correctly, and am told the " information does not match their records '' or am asked questions that have absolutely nothing to do with anything in my credit history and am told the same thing. I was able to access each agency one time, but was not able to initiate all disputes because of some technical issue. Oddly enough, I was able to access  XXXX  and initiate the process.     This is completely unfair and I have found through web searches many people have had the same issue. We should be able to initiate a dispute for free or be given an explanation as to why we can not. This seems to be some sort of credit hostile take over as we have no control whatsoever.
Western Union has put my money transfer on hold and asked me to provide more information which I did. I was told I will get answer after 2-3 days. Now ten days passed no answer. Talked to their service staff all I got is that it is in their compliance dept. to subject to approval. Same answer each time I called. I said I want my money back they said they ca n't do anything untill they hear back from the dept. Now I am totally exhausted. What a disappointing service they provide.