WillisBack/dataset-financial-user-claim huggingface dataset:
I was out on maternity leave. ( XXXX - XXXX ) I was coming up short on my payment, so I called before my bill was due. ( this is for the bill due XXXX ) I told them my situation, said I would be back on track by XXXX. They were awesome about it, explained there was no pay options available to me at the time, but offered me XXXX dollars in hardship money. Thats when I had someone from Discover hounding me about a payment and daily had to explain my situation. That when someone said you can stop the calls by setting up promise to pay ... XXXX long story short, apparently I felt obligated to set it up. I had every intention on getting right back on track. A DOUBLE payment was taken out the same week I said I could n't pay. I know I would have not authorized that payment!!! It over drafted my account and has been bad since! I asked to listen to the tape, they placed on hold, they listened to it, came back and said I had authorized it. I know in my heart I would not have, I did n't have the money! I asked to listen to the tape, they would not allow me. Is there a law that prevents customers to listen to their own recorded calls? There has been several contacts between the company and I. My history with the company has been excellent, until the reason events. Recently I have became very very upset! I 'm loosing my cool with this situation. ( Not my norm ) I made the comment that this can make people hurt themselves. They sent the cops to my house. Boarder line harassment. I just want to listen to my tapes, the dbl payment was not authorized by me! Thanks for your time in advance!
I had a dispute for the {$270.00} transaction from   XXXX   XXXX   XXXX   XXXX   XXXX   as they charged me twice, and I filed the dispute on  XX/XX/XXXX . Barclaycard forwarded my dispute to the merchant, and the merchant responded on  XX/XX/XXXX . Barclaycard forwarded their response to me and said " if you disagree with the merchant 's response and would like to reassert your claim, please send an updated signed and dated letter that addresses all of the points in the merchant 's response within 10 days of receipt of this letter ''. I followed their instruction and filed a rebuttal on  XX/XX/XXXX  to " address all of the points in the merchants response '' one by one and I have the witness ( See attachment ). Unfortunately, Barclaycard refused to forward my rebuttal to the merchant, and also refused to further assist me or pursue credit on my behalf. Barclaycard 's argument is wrong, and i am not even sure if Barclaycrd have read my letters which address their issues already : 1. " When the merchant was contacted they gave an estimate for the service that is to be rendered ''. Partially true. The estimate was {$390.00} for the service of 4 hours on  XX/XX/XXXX , but the service was unable to be completed as the movers went to the wrong address at the first place, and the driver refused to drive down the alley as " it was too dark ''. I did not dispute the charge of {$390.00}, and since it was an estimate, I could accept the final charge a little bit higher as I am reasonable. But I can not accept a separate charge of {$270.00} for the service rendered on the following day of  XX/XX/XXXX  for the service that had not been completed the previous day of  XX/XX/XXXX due to the movers fault.
2. " Until the full service is provided would they be able to bill for the exact amount of the cost ''. Not true. On  XX/XX/XXXX , the movers insisted on my paying {$290.00} ( the remainder of the charge of {$390.00} ) and signing off even though they were not going to unload, and on  XX/XX/XXXX  they refused to unload unless and until after I paid {$270.00} and signed off first saying " that 's the company 's policy ''.
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Countless, time after time I have asked Experian to investigate not verify these accounts that are on my credit report. I keep getting the same old message that the accounts have been verified. XXXX is not a form of investigation. I have numerous accounts that have been opened in my maiden name. I been under XXXX for 23 plus years and still remain XXXX presently. I have reached out to the creditors asking to send me a signed credit agreement with my signature showing that I agreed to these erroneous accounts. There is also bankruptcies that Experian states was verified but I know is not true because bankruptcy do not report to third parties nor do they give out information via phone. Experian has constantly told me they will not reinvestigate my disputes which is against the law. Accounts have been removed and put back on without valid investigation. I have sent in I D theft affidavit, I made a police report years ago back in XX/XX/2012. I am at my wits end with Experian thinking they can do as they please. Experian has had massive data breaches and was never told. No one consumer should have to endure this foolishness with these credit reporting agencies, especially when the burden of proof is on them. Consumers cant provide any paper work or contracts if there was never one signed. Online credit applications should be banned unless proper identification is mailed in. XXXX XXXX and XXXX XXXX need to be removed. Till I can get this I D theft situation resolved and all these accounts with the last name of XXXX removed these accounts are : XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, both total accounts, discover was removed and put back on without my investigation, XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX. Please do not close my case and send a duplicate letter stating Experian is handling this situation. I have tried to resolve this with Experian and this is my last attempt before filing a lawsuit. I dont need cpfb to be the middle man I need cpfb to fix the situation asap for this is damaging my score tremendously. While disputing these accounts need to be removed by law. Do not put anything in my REMARKS column unless I authorize it. That is for the consumers!
On XX/XX/XXXX and XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.
Due to Hurricane Irma, Planet Home Lending, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.
My son was given two loans that should have never been given to him based on his income debt ratio. The loans were by two separate  companies. One was XXXX XXXX XXXX and the other was through XXXX XXXX. The one was for {$20000.00} and the other was {$17000.00}. Since he could not afford the payments they went into collections, which is where his father and myself came into the picture. 

The one loan was negotiated with a XXXX XXXX XXXX. XXXX XXXX Their address is XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I dealt with a XXXX and XXXX XXXX. They of course used all the tactics from nastiness to ruining your credit to garnishing his wages. The other company XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. I dealt with XXXX and a XXXX XXXX. Same tactics very nasty and threatening. It was a very upsetting experience because they play hard ball and your already upset that your child is in this horrible situation, and your trying to help him through something that should never have happened in the first place.
Hello, I have an account with Citibank institution. On XX/XX/2017 I issued a check to XXXX XXXX XXXX for the amount of {$1600.00} for my health insurance. A week or two later once at my Doctor 's office, it was brought to my attention that I had no heath coverage and than my insurance was cancelled. It turns out that my check never made it to its destination rather someone endorsed my check to themselves at a XXXX XXXX XXXXXXXX location. Unfortunately, I have still not recovered the funds from Citibank even though it has been past 90 days which is the estimated time to investigate. I have been given the run around and I need to get my money back. I would greatly appreciate your assistance in this matter.
BYL COLLECTION SERVICES XXXX. Has sent me a letter stating that they want me to pay a 50 % settlement for the amount of {$130.00} and it looks like the original creditor was referenced as total XXXX. Client account number is XXXX. Unfortunately This BYL Collection Services is a third party collection company that up until this time has NEVER communicated with me. I did send them a letter via mail asking for validation of this debt by supplying to me the original signed contract between myself and XXXX XXXX. At this juncture I have not received anything stating their position that I owe them anything. I have never entered into a legal binding agreement with this company and do not owe them anything. The FCRA states that in section XXXX I have the right to ask for and be supplied with the original documentation stating that i owe any such balance. Simply sending me an itemized bill or a letter offering me a settlement opportunity does not meet the requirements of the law. In my last letter to BYL I requested that all collection activities cease since no proof of validation was supplied to me and yet they continue trying to solicit me to pay them something that I do not owe them.
First of all who the heck is XXXX XXXX. They are asking me for personal information I am not comfortable with and that is why I contacted the FTC. I also had someone call me claiming to be from the IRS and my wife called them back and the were with XXXX XXXX so may be instead of harassing me you should check your employees. 

They have my wife 's number and they have a work email that she has not used for awhile. Usually only junk comes through on this email. 

My wife has a business account that you tried to access, nothing came through. We were notified right away.
I keep getting call from SLS Servicing saying that they have not received payment even thought they got the payment and process it. The first time this happen, I call to find out that when they call, they were processing the payment and did not know it came in. I am XXXX year old and this constant harrassment of a payment that is sent to them every month is taking a toil on my health and causing me to worry unnnecessary. The payment is not late but they want to call and harass me.
I am one of the 143M Americans whose credit information was compromised by the recent Equifax data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from Equifax, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information. 
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.
On XX/XX/2018. I check my bank account and my bank ( wells fargo ) gave all my money to a third party without my consent and at the same time charge me {$120.00} processing fee too. I did not request it or agree with what they did. So my money is given away by them. The same ppl i thought would protect and keep my money safe. Its not the case. It was almost a thousand dollars plus their {$120.00} processing fee. Seems like a money making thing for them slapping me with {$120.00} in which i did not request them to do. Ive talk to them and they just give me the cold shoulders saying nothing they can do. I felt betray by this business. The very one that suppose to protect and keep my money safe and they didnt. and they turn around and made money off of fee on me on the very same matter. Its straight up thievery to me. Hope u guys can help me reclaim my money back. My confidence in banks is all shot up now. I dont know what to do
We purchased a car at a XXXX dealership who arranged financing with Wells Fargo Dealer Services ( account XXXX ). The rate was a high one because of a previous bankruptcy. At the time of buying the car, we provided proof of insurance from XXXX XXXX ( Pol XXXX ). Shortly thereafer, we received a notice from WFDS that they needed proof of insurance and provided the website XXXX to upload proof. We did that. A month later we received a notice saying that WFDS would going to mandate insurance on our loan. We called the number listed. I presumed it was WFDS. Spoke with a representative who assured me that everything was in order and if there was a problem, they would call. No call was forthcoming. A month later, we received our WFDS loan statement. The amount of the loan was increased to cover the insurance. 

I called WFDS today ( XX/XX/XXXX ) to complain. Both the representative and his supervisor said that they could n't help and specified that a separate " division '' ( their word ) handled insurance verification. I pressed and found out that the " division '' was actually a separate company, XXXX XXXX. I pressed further and found out that this is also the company that provides the mandatory insurance. I called XXXX XXXX and they said they could n't help me because their system was down. 

I am quite suspicious about this whole arrangement. WFDS is being deceitful by calling it a " division ''. That supposed " division '' which handles insurance documentation has EVERY INCENTIVE to lose the paperwork and force the coverage on us. I did a quick Google search and found this is not uncommon. 

We provided proof of insurance at least four times : ( 1 ) At loan origination, ( 2 ) uploaded to their site, ( 3 ) called and spoke with a representative, and ( 4 ) our insurance agent submitted it. I am asking the CFPB investigate to see if this is a predatory practice being perpetrated on subprime borrowers who typically lack the resources to fight back against it.
I currently am enrolled in Suntrust Billpay. I recently had an issue where I scheduled a Billpay for my HOA, and the payment was sent to the XXXX XXXX. There is no record of the transaction at all on their website, and I am certain that I scheduled the Billpay for my HOA. I spoke to a representative on XXXX XXXX, 2015 and was told there was nothing that they could do, and the representative hung up on me.
There has been an unauthorized inquiry from Huntington Mortgage on XXXX/2018 that has been posted on my credit report. I have contacted all three credit bureaus to have the inquiries removed, but all have failed to assist with this issue.
had requested Transunion to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
I have not done business with calvary portfolio service. I do not have a signed contract with calvary porfolio. I have the right to demand to see a signed contract between calvary portfolio and myself. I have seen two different accounts with them.
I sent Validation letter via certified mail and was received by company on the XX/XX/XXXX. Im response the company could not properly validate debt. The petitioner also released PHI to this third party. They should have required a release of information and I did not sign one with the above company. Regardless, the company could not provide proper validation and only sent an itemized statement
Ive had a credit card with XXXX XXXX  XXXX XXXX  for about seven years. I make my payments on line. The due date is XXXX of the month. In XX/XX/XXXX I submitted a {$100.00} payment to be taken out of my bank on XXXX XXXX. They gave me conformation number XXXX acknowledging receipt. A few days after the XXXX I checked to make sure payment posted only to find it was still in my bank account. I called XXXX XXXX  XXXX to check why and was switched over to XXXX  XXXX  XXXX. The woman I spoke with informed me that the two companies were in a transition period and my payment would be taken out soon without late fees. I waited 4 or 5 days and called again because it was still in the bank. I was told the same. On XXXX XX/XX/XXXX, I called and asked the women if she would just take the payment over the phone she agreed. I told her just to take that {$100.00} and I also scheduled another payment for XXXX, paying a total of {$200.00}. In XXXX they tacked on a late fee and started calling me saying I was behind a payment. In XX/XX/XXXX, a man called and requested {$120.00}, which I sent. They told me I had {$180.00} in credit. I used {$86.00} for my dentist and a XXXX XXXX  XXXX payment. Now Ive received XXXX calls since Sunday telling me Im {$250.00} behind. Still because they wont credit me with my XXXX payment and back out all of the late fees. I asked the women why did you credit me with {$180.00} of credit and tell me Im {$250.00} behind. No answer. The woman I spoke with yesterday also told me they were a collection agency. I dont understand why the account went to collections in XXXX I was not behind on anything. I wrote a letter to XXXX XXXX   XXXX explaining my problem two months ago, got no reply. I cant get a phone number for the bank I keep getting XXXX, whose number is XXXX XXXX. I spoke with a XXXX she helped but its right back. Frustrated in XXXX and sick of these phone calls. Card number for account XXXX, valid XX/XX/XXXX.
Firstmark Services, a division of Nelnet, has an automated calls system set up to notify a borrower when his or her account is delinquent. I paid my account yesterday. I received a receipt via email from them. The money was taken out of my bank account yesterday. Despite all of this, I still received an automated call today. This has now happened to me twice. I called to complain and was told that it had not yet been " noted, '' even though the customer service representative told me that I did not owe anything until XX/XX/XXXX. If they have ( a ) taken money out of my account, ( b ) plus I have received a receipt from them via email of the transaction, and ( c ) then been informed by a customer service representative that my account is up-to-date and I owe nothing until the next month, why am I still being harassed by automated calls? This is an embarrassment - it makes me feel that even if I do pay, I am still delinquent. Furthermore, they should NOT be allowed to call you over and over again in this manner, especially if your account has been paid.
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an account opened with American Express Bank XX/XX/2018 and a balance transfer was made using her information without her consent. An official dispute of this activity and account was sent to American Express Bank XX/XX/2018 however as of this date no reply or any outcome of investigation has been received. This is a violation of the FCRA and my client 's consumer rights.
I received an score alert today XXXX.XXXX.17 from Experian saying my FICO score dropped 20 points without any explanation why. I contacted Experian to find out why my score dropped, the representative in the membership department reviewed my last credit report and checked the previous report for any changes between the two. Their was no change in my credit report. The representative said she do n't understand how or why my score would change without a change on my report. No one at XXXX was able to explain why my score dropped significantly.