WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX, XX/XX/2015On XX/XX/XXXX I sent you this complaint with photos and other evidence. You sent me an answer but not a number or any other information. I am sending you just the letter and hope you give instructions to go on. Thank youConsumer Financial Protection Bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2015XX/XX/XXXX I received a bill from XXXX XXXX XXXX XXXX. 
located at XXXX XXXX XXXX , XXXX, XXXX XXXXRe Claim XXXX Lexus CT 200H Lease # XXXX Aptrack # XXXXThey claimed the bill was for repairs when I returned a leased 2011 Lexus CT 200H. 
XXXX ( parts ), XXXX ( body labor ), XXXX ( paint labor ), XXXX ( paint supplies ) and XXXX ( body supplies ). The total was {$4.00}. 

I protested and XXXX lowered the charges to {$2.00}. XXXX to be paid in in three installments of {$890.00}. I finished paying XX/XX/XXXX. 

There was the arbitration option that I could not take because I had several tripsahead of me. XXXX had threatened to hurt my excellent credit history. 

I am still very upset because the car had been inspected by an expert from XXXX just before I returned it and he noted on his report ( enclosed ) : " car condition : " EXCELLENT ". He also took pictures ( enclosed ). 
I had made all the repairs recommended by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount estimated by XXXX. The check from XXXX was sent directly to XXXX XXXX. 

The car had only XXXX miles on it. XXXX never gave me any credit for wear and tear nor for the low mileage. 
I have leased cars in XXXX for 21 years and was never charged more than few hundred dollars for repairs when I returned them. 

I am not sure if you can do anything for me but I am sure that I am not the only victim of XXXX 's abusive charges. 

Thank you,XXXX XXXX XXXX XXXXXXXXXXXX
Received a call from this number on XX/XX/XXXX. No voicemail left. Received another call today ( XX/XX/XXXX ). " XXXX XXXX '' left voicemail asking me to call him back. Did not mention a debt or identify himself as a debt collector. I have saved this voicemail and will provide it on request. Googled number to find it belongs to Leading Edge Recovery Solutions. I do not owe any debts.
Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX : XXXX ( The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Six months after i earned an student loan inXX/XX/XXXX my identity was stolen due to an mistake by a Texas dmv worker, these loans from the dept of education are incomplete are in accurate. I was an XXXX XXXX who's XXXX  career & education was ruined once i moved to the state of Nevada in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. Before XX/XX/XXXX my whole life was stolen.
Banking error by hsbc led to a invalid debt being prosecuted by a debt collection person that used profanity, threatening remarks towards my wife, and brothers and family. Disparaging remarks about my service to the nation when I was XXXX by a XXXX while serving XXXX. Threatening court actions and promises XXXX. Phone number of said debt collection agency is XXXX this person has made the statement that he would come to my house personally and do harm to me.,
I want an immediate credit freeze from XXXX, ( and the other two companion credit bureas ) due to XXXX 's data breach, but they want to charge me for it unless I can PROVE I am a victim. XXXX is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! XXXX SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION.
" Atlanta-based XXXX, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXXand XX/XX/XXXXof this year. XXXX discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. 'XXXX XXXX XXXX XXXX
back in XXXX 2016 was the last payment I made because of financial difficulties I started paying {$60.00} in XXXX and XXXX and they say that 's not enough. I 'm trying my best I live in a mobile home that the floors are caving in and am trying to get a new used one. Well because of them letting the whole world know that I was behind on my payments which I think is completely wrong it is keeping my scores down.This is the first time I have done anything like this. They wont even lower the interest. I am XXXX and cant do anymore than I can, i do n't want to be living on the ground
After Equifax revealed my personal data to identity thieves via their wholly inadequate data security, I tried to place a credit freeze on my equifax account so that those identity thieves will not be able to fraudulently obtain credit in my name. 
Equifax wants to charge me {$10.00} for this, which is ludicrous, considering that this would n't be necessary if they had protected my personal information.
I submitted a detailed complaint in XXXX ; I have not heard one word!!!!!! This involves WELLS FARGO ... .and I find it ironic that they are now under Federal investigation.
I was notified by job that a garnishment order was put in affect to start garnishing my XX/XX/XXXX paycheck. I contacted the collection agency who informed me that there was a credit card issued to me in XX/XX/XXXX. I ask for the credit card account number which they could n't provide to me all they had was a validation letter from a judge in Georgia. So I contacted that clerk office in Georgia who notified me that the account was closed XX/XX/XXXX for a court order to collect garnishment. I also ask them to provide me with the credit card account number and they were unable to. This collection agency has been garnishing my wages since XX/XX/XXXX. On XX/XX/XXXX I received a certificate of clerk dissolving writ of garnishment pursuant to section 77.041 ( 3 ), XXXX My job notified me that I will get all wages back on my next paycheck. I was treated so unfair with the collection agency I explained to them that I never had a credit card with XXXX XXXX are XXXX bank by the way the credit is for a XXXX XXXX my name is XXXX XXXX wrong spelling. Can please get advise on what steps I should take next to get this resolved with the collection who garnished my wages without any proof this credit card was in my name.
The state tax lien reporting as released on my Equifax credit report was previously removed years ago as a result of a dispute. The item was reinserted as released with a new date. Also Equifax will not provide me with the method that was used to verify that this information is correct.     (  5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of   the consumer.  <P/> ( Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information.     If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii )   Notice to consumer.   If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Hello, I went to the ATM at the XXXX at XXXX, XXXX, Florida XXXX. I went to withdraw money but had requested an account inquiry by mistake. I figured no big deal since it was only an account inquiry. I decided not to withdraw any funds. Later when I got home I checked my balance online and saw {$2.00} was taken out. First on all I checked my balance once and even if I did check it more than once what company charges to check balance multiple times at that. Second there was no warning that they would charge this fee else I would have said no. Finally this is intentionally deceiving patrons who use the machines. There was a lady there I spoke to said Citibank took her for {$10.00} cause she checked her balance. It 's not the amount but the principle that a big bank would stoop to this level of not making it clear that you will be charged to check balances. It is in a poor neighborhood so that could be a factor to rob the poor.
XX/XX/18 To whom it may concern ; In XX/XX/2018, my cell phone was stolen. My phone had my bank card attached to my XXXX account. Whoever stole my phone, Im assuming it was a kid, downloaded a bunch of games onto the phone and began making purchases on these games through XXXX XXXX. XX/XX/2018, I was diagnosed with a XXXX  XXXX in the right side of my head and ordered by my doctor to take it easy. At this point, my husband began controlling the finances until after my XXXX on XX/XX/2018. He doesnt have access to my online banking information to check transactions on my account. 
On XX/XX/2018, I had logged into my banking mobile app ( Bank of America ) and found all the fraudulent charges and called to dispute them. Now, my bank is telling me that they lost the dispute to XXXX because XXXX say the transactions are accurate when they arent. What I dont understand, is they approved one set of fraudulent charges but on the large amount one, they denied it. I am disputing these charges because it was not me who made these transactions and just because I was sick with a XXXX in my XXXX, not checking my bank account on a regular basis, I should not be held accountable for these transactions. 
I am attaching 3 separate dispute claims with this, 2 of which they approved and 1 that they didnt, when they were all for fraudulent transactions resulting from the loss of my phone. I am also attaching the documentation from where I had to get my new phone a couple weeks after it was stolen. It took me almost a month to be able to get another phone because of this money being gone. 
My bank says that XXXX declined giving this money back because it took me too long to notice the transactions being made on my account and that if I wouldve caught it sooner, they couldve stopped. I was sick at the time with a XXXX in my XXXX. As soon as I found out about the transactions is when I called my bank to dispute them. I was not checking my bank account app like I normally do. This is fraud and I need help getting my money back. I can also provide all medical documentation necessary for during this time period as well to prove I am not lying. Please get back to me and let me know if any additional information is needed from my end and I will get it to you asap.
XXXX does not have my loan it was given to another company by XXXX XXXX it 's with XXXX XXXX XXXX. XXXX is still reporting against for XXXX they absolutely refuse to stop reporting to XXXX against me even though I have a settlement with XXXX XXXX XXXX for XXXX. All I want is the right company reporting against me and for the right amount!!!!!!!!!. What I want is very simple and very easy to do. XXXX even mentions in a document that my account was given away to the other XXXX have disputed this multiple times and gotten no where with anyone even though I have the proof of it.
I have submitted a package as requested prior to the seven day cutoff to review my loan for modification to Nationstar. They have confirmed receipt of the package and can only tell me that my loan is in review with the underwriter but have not placed a hold on the sale date of XXXX. I asked when I should expect the file be reviewed and they stated " within 30 days '' per XXXX ID # : XXXX. 

This is after my sale date that is scheduled. How am I supposed to plan for my future and living arrangements if I can not get a review done in a reasonable time frame?
I do not think I ever took a loan from these people. XXXX XXXX is apparently where i obtained the loan, though i do not recognize this, and I am being hounded by a company called National Principle Group, They say I took the loan in XXXX, they say I made payments from XXXX to XXXX of XXXX. They say I borrowed XXXX but owe XXXX. I have taken loans from Pay day people, ( I admit it sadly ) I have ALWAYS PAID them back and in fact have not used XXXX for several years now. These people are harassing me at work and on my cell. I have told them I contacted my attorney General 's office, that I will pay if, I in fact owe it, and have requested that they send me the information in writing, through the mail. They will not, usually yelling at me telling me they 'DONT HAVE TO DO THAT '' they want to send me an email, ( but the email they have for me is no longer good, I have NO, and will NOT give them my new one ) They do have at least the last XXXX digits of my SS # and my bank account, as well as my home address, and both cell and work phone numbers ( obviously ) they will not give me the information on the account they say I have, not the account number or anything. They said they would take a settlement of XXXX if I paid right away. I have not. i can block them from my cell, but i ca n't stop them from calling my work, how can i do this before i get fired!!! if i owe it, i will pay it. My question is why wo n't they send it to me in writing if it is legitimate? i have not moved, nor changed jobs since the date of the so called debt, if i did owe this money i ca n't believe that i have not received one thing in writing or before this time from 6 years ago. 

National principle group-several phone XXXX plus ext XXXX ( quality assurance, haha ) fax XXXXXXXXXXXX address is a po box XXXX XXXX XXXX # XXXX, XXXX, ny XXXX, at least this is what is on the internet as their addressSome of the above info is from their websiteAs i said, if i owe it, i 'll pay it, but i need this to stop, i ca n't have the threats of some goons banging at my door or hauling me away for XXXX!!! and i ca n't go through my work day worried about them calling everyday. BOY WHAT A MISTAKE, ONE I WILL NEVER MAKE AGAIN. 

The first person i talked to was not bad, firm, but not mean, the XXXX and XXXX ( i no longer take the calls if i can help it ) were both harassing, yelling, threatening, talking fast, never letting me say anything just yelling, " admit you owe it, admit you wont pay it, we will take further action '', when i ask for it in writing they yell they do n't have to, they will send it in an email and i can print it, but when i told the Atty Gen, they said they will send the email but it wo n't contain any information and that they HAVE to send it by mail, which a legitimate collection co would do. it 's getting meaner and more harassing with each call and i will admit to being scared.
On XXXX/XXXX/2013 XXXX accepted a settlement payment for a credit card acct. ending XXXX. The Bank sent me a letter showing payment and settlement in full, but they said my credit report will take 3 month to update this new info. except they miss reported the new info by showing that I sill have a balance of {$1100.00} instead of {$0.00} due to the settlement. there have been a dozen of phone calls made to their recovery department which is the department that made the settlement and issued and mailed the settlement letter dated in XX/XX/2013 in trying to resolve this discrepancy but the answer was always that it may take sometimes to update the credit report. It has been 2 years, and XXXX disputes with the credit bureau that always came back with the same results ( A balance of {$1100.00} ).
Hi there - I have a Best Buy credit card and have made two purchases selecting no interest for 12 months. Whilst paying off my first purchase, I was in the middle of moving and switching banks and my payment went from the wrong account. They graciously waived the late fee ; however, a random {$2.00} fee for " Minimum charge '' appeared on my account.

When I messaged to ask them what it was for, this was the response I received : " The terms of your account explain that there is a minimum periodic interest charge of {$2.00} for each billing cycle in which your balance has not been paid in full. '' It seems ridiculous. I don't expect the CFPB to intervene in this instance, but wondering if Best Buy has a pattern of " minimum periodic interest '' charges? Seems like XXXX to me. 

Thanks for your hard work! 
XXXX
Every semester during my college years attended, I was required to apply for FAFSA, only to be denied. I was told the reasoning was because my parent 's made too much money for me to qualify, even though I was living on my own, paying for my own college, and filing my own taxes. I had no choice to be eligible for financial aid until after a certain age. I was forced to take out private loans for most of my college attendance, unaware of the exact price I would be expected to pay because every loan gives only an estimate when you apply. I either had the option to drop out and have nothing to show or continue to put myself in debt to finish my degree. I am almost out of school for 3 years after graduating in XXXX and have yet to find a job even remotely close to afford my private student loans. I have applied to hundreds of jobs within my degree field and no one these days wants to hire someone without 3-5 years experience. Companies have gotten lazy on willing to train new employees. Since my degree is in the XXXX field, I figured I would have no problem finding a job with decent salary-that has not been the case. I have been working in a XXXX, which I have done since before I even was in college. I can not find a job that pays better than what I currently make and besides lack of Sallie Mae is the WORST company between harassing me and people not associated with my loans. They have contacted my grandmother who has nothing to do with my loans, calling my parents and myself at our place of work and during non-business hours. I have received calls on weekends as well as early as XXXX and as late as XXXX. I feel I have been taken advantage of and even though I explain that I am working 40 hour weeks and still can not afford the payments they try to ask of me ( with all my lenders, totals over XXXX XXXXmonth ), they have ruined my credit and keep adding interest on my late fees. They refuse to help negotiate terms to make payments affordable and act like I 'm the bad person for not being able to afford their absurd repayment terms. The entire student loan system hurts the middle class. If my parents were n't so lucky to make what they do to survive, I would have gotten financial aid, yet if my parents were wealthy, they most likely would have paid for my college. Because I am a working individual with no kids and working to put myself through school, I get penalized for trying to get my education. It has been the biggest burden of my life and has made me regret going to college at all. My financial aid counselors were never helpful and I have had several during my attendance. Go to college, they said. You will find a great job only if you have a degree, they said. Well, THEY were wrong.
I received a notice due to a negative item on my credit report. I also recieved a bill from a debt-collecting agency ( CPA ) that stated I owed a bill for the amount of {$1500.00}. This was from XXXX which stated that I opened an account on XXXX XXXX in XXXX in 2014 at which I did not live. When I contacted XXXX they stated several times that my information had been purged out of the system but that the account had been opened with a passport by a woman. This was evidently not me or my account. No contact information for any managers or any persons that could address the situation was given by any of the employees at XXXX. The only way to get through is to call the automated system and explain your way through a new person every time. After being told I would be called back and not receiving any calls I have become very frustrated especially when I have found this on my credit report. Also in order to clear the matter I was told I needed a police report. The police officer told me I needed an affidavit from XXXX in order to file the report but I can not obtain that from XXXX nor can I contact anyone from the company to help me.
I received a letter on my job in reference to an outstanding balance of {$1000.00} on account # XXXX. The letter reference the balance and advised its an attempt to collect debt. Further down in the letter it stated " If our client initiates a lawsuit and obtain a judgment against you, the may pursue their lawful recovery options, which may indicate any or all of the following based upon legal procedures allowed : Garnishment of wages ( states excluded : XXXX, XXXX, XXXX, XXXX ), liens placed on property including automobiles, real estate, or other real property, and seizure and auction of personal property. They were contacted on XXXX/XXXX/16 and was advised a payment would be made on XXXX/XXXX/16 which is a Saturday. I was contacted by phone on XXXX/XXXX/16 at XXXX from XXXX by a gentlemen asking me questions about why my daughter made the payment arrangements, why did n't I call and then stated my wages would be garnished and was trying to help me out. I was very uncomfortable with the call and the reason why this gentleman was asking questions by daughter and the threat issued. Unfortunately I was n't able to catch his name because the call really made me nervous and uncomfortable. I was advised he and the company violated the fdcpa laws by issuing a threat to me.
I received a call at XXXX am XX/XX/XXXX and XXXX am on XX/XX/XXXX. Ive blocked many of this companies numbers but they wont stop. Ive asked them to stop, now they call outside of the law