WillisBack/dataset-financial-user-claim huggingface dataset:
I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my XXXX XXXX, XXXX, Experian reports. I have not access my credit file since XXXX or XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
I have been a Chase customer for over 12 years, and today at a restaurant, I found out that all my credit cards are closed for no reason without any notice. I called Chase today, and the credit card team supervisor XXXX told me that it was due to Retail banking issue, and transferred me to the Retail banking department which I have a Premier checking account with. But the Retail banking person told me that my Premier checking has no issue at all and it was all the Credit Card department 's decision. I felt being kicked between different departments and reaching nowhere. This is really bad customer experience and created tons of trouble on my life.
I would like to register a complaint against XXXX XXXX in XXXX, Va for questionable billing practices. I had a XXXX by a local XXXX on XXXX XXXX, 2015 and had an out of pocket bill for {$200.00} total. The XXXX practice XXXX XXXX XXXX XXXX XXXX XXXX was purchased by XXXX about the same time as the XXXX and they ( XXXX XXXX took over the billing process. I received the XXXX bill during XXXX week in XXXX and remitted my XXXX payment XXXX {$80.00} XXXX on XXXX XXXX. I continued to remit my payments, on time, for the next XXXX billing cycles. I had sent {$160.00} ( 80 % of the bill ) by XXXX XXXX, yet was sent to a collection agency XXXX SCA Credit Services XXXX, Va XXXX saying I owed {$100.00} ( Case # XXXX ). I complained loudly to several XXXX billing services managers but all they could tell me was it was " the system 's '' fault. My response was that you have a " process failure ''. I have lived in this area all my life and personally know many XXXX employees. In speaking with XXXX she said " do n't feel bad they sent me to collections as well and my payments were being payroll deducted by XXXX ''. No one ever stated that this bill had to be paid in full on the XXXX payment nor did they advise me that I was being sent to a collection agency. I am neither poor or under insured but I have a grave concern that this could have a devastating effect on a family that was struggling financially. A blemish on the credit score of a poor family could be potentially catastrophic! XXXX XXXX should use excellent patient care and ethical billing practices to drive its business model, not greed and avarice.
" Please be advised that in order for loans to be eligible for modification assistance, they typically must be over 60 days delinquent. However, based on the information you provided, you demonstrated danger of imminent default and became eligible for the four month Trial Period Plan. Under the terms of the Program, reduced payments of {$630.00} were due XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. The reduced payments were designed to put your loan delinquent in order to meet the requirements of the owner of the loan, XXXX. Because you did not perform on the proposed Trial Period Plan terms ; rather, you remitted your XXXX Trial Period Plan payments early and the loan remained contractually current. Therefore, the Trial Payment was denied on XXXX XXXX, XXXX. '' Once again XXXX XXXX XXXX & XXXX XXXX of Seterus has given incorrect information. The letter of XXXX which I received on XXXX/XXXX/XXXX from XXXX states that the payments of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX were received were designed to put my loan in default. If that was the case, I could not have made the payments early as stated since SETERUS took the payments out directly from my XXXX bank act and if they wanted to make them delinquent, that was their priority. I was also advised by them to " never be late '' as well as Making Home Affordable " to never be late '' and Seterus told me to allow them to take the $ out of my account directly so this would happen. I was told when the Denial came to me to make up all the payments or I would be charged late charges on everything, causing me to have a foreclosure. And that my Credit Score would also be affected. ( I have been advised to go directly to XXXX and one other Government Official if Seterus does not grant me the Modification. ) At this point it is very difficult for me to make these payments because my situation is about the same if not a little worse. However I would rather starve then let Seterus claim my home. And going through all the paper works that I went through the first time put my health in jeopardy. CFPB has records of my previous complaints on file and I could not respond or dispute the last XXXX because of a computer problem. Thank You for helping me, CFPB in this matter.
They opened the loan in a different market, I'm in California and they opened the account in New York. I can't go inside a bank and make payments. I can't not link my accounts to monitor payments because it's in a different state. The phone customer service payment department isn't open on the weekends to take payments. My first payment was late because I had to wait until Monday to make the payment which was a date late. The phone reps did not provide confirmations numbers for payments. I've made two phone payments, none provided confirmation numbers. They are able to access the account anonymously without leaving an electronic trail. There is no name of the rep who opened my account. They refused to provide names when asked. I have no received statements.
For may years, but especially this year Citibank has been blocking purchases and while their management team has promised to text me to confirm authorization they have not and instead forced me to call in requiring 20 minutes or more to resolve. After repeated problems they offered me an upgrade card that cost {$500.00} their " Elite '' card that representatives promised would resolve the unnecessary declines that included trying to buy an {$8.00} sandwich. I have an 800+ credit rating, by the way. The new card did not resolve the issue but rather it became MUCH WORSE. I was so angry talking with their managers after repeated unnecessary declines, that I got into a parking lot car accident costing me several thousand dollars. After several incidents, I escalated the matter to their corporate office when I demanded my {$400.00} back. She said she could not do that but would credit me XXXX XXXX Airline miles. After several months, the credits did not hit. I emailed Citibank and the executive office called and denied they had agreed to miles, that was yesterday XX/XX/17. Hence my complaint today. Citibank card : ending in XXXX
On Wednesday, XXXX XXXX of 2015, I was in receipt of a " Warrant In Debt '' which was serviced by a XXXX party service provider, XXXX This packet alleges I acquired an account from XXXX XXXX Bank which has been charged off due to non-payments. With review of the document ( s ), the debt has been sold a total of XXXX times ( i.e. XXXX ; XXXX, XXXX ; XXXX, XXXX ; Midland Funding ). Due to the recent sale, the new owner, Midland Funding placed the account / file with an attorney firm which they 've prepared the file to seek judgment against me within the state of Virginia ( Docket Number : XXXX ; their case file number : XXXX ) and I have absolutely no knowledge of this debt. Speaking of Midland Funding and the attorney representation - once a debt buyer and/or creditor purchases a debt then they have up to 30 days to issue a Demand / Dunning letter, and if the debt is to be serviced / collected on the companies behalf through Contingency or Legal strategies then a Demand / Dunning letter is required to be issued to the respective individual several days after placement. In result of such, I was never given an opportunity to dispute any of their claims since a demand letter was not provided and I did not find out about such debt until I was in receipt of the " Warrant In Debt ''. I have a permanent hardship which is not the businesses rights to know my medical history, but these measures are unfair and I 'm being taken advantage of when I did not acquire a debt from XXXX. I seriously do not need to go through litigation for illegal practices on behalf of the new owner and the XXXX party vendor / attorney. To the point - this is not a debt acquired by myself.
Disputed account is well beyond the 7 year statute of limitation for being on a credit report but still remains.
I placed an order with XXXX XXXX on XXXX/XXXX/XX/XX/2015 for {$180.00} and they sent the wrong item. I wrong item. I returned the item for the correct item. 
They never contacted me, so I called them and theythey said they did n't know what to do. So they said they would send thereplacement right out. I waited and nothing. I called again and they said theythe item was on back order. I told them I no longer wanted the item, because it was now XXXX XXXX. They agreed to give me a refund andemailed this in writing. I had done a chargeback on my credit cardbefore I received this email, and advised the vendor this is what I haddone. I responded to the credit card companies letter and sent a copyof the email to them. They then recharged my credit card. I now ampaying {$180.00} for merchandise I never received with a writtenagreement, as proof from the vendor. I want a full refund. 
I placed my order on XXXX/XXXX/XXXX and it is now XXXX/XXXXXX/XX/2015 and I would like thisresolved. I do not believe I should have to pay for something I neverreceived.
To Whom It May Concern : Your firm is continuously reporting an alleged debt in my name in the amount of {$250.00} to credit reporting agencies.
According to the information provided to us by your firm, the date of last activity by the original creditor was XXXX 2013. The Statute of Limitations on this alleged debt, even should it be ours, is 4 years in the state of California. Since the debt is out of the statute of limitations and you continue to report this alleged debt on my credit report, you are conducting collection activities on zombie debt.
I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; AND ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation.
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities.
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying the California State Attorney General 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Sincerely,
American Express card offered a new card ( XXXX XXXX, 2017 ) with bonus offer of {$150.00} after about {$600.00} were spent using the card within 90 days. We satisfied this requirement and paid bills on time. But they paid ( as statement credit ) only {$100.00}. We reported dispute on phone and on chat online. They did not send any notification of dispute resolution. we did not pay {$50.00} that was in dispute, They reported this as delinquent amount and added extra fees. Our credit rating went down by 100 plus points and we were denied credit by lenders based on this report. We believe this to be fraudulent bait and switch behavior. Their customer service contact is : American Express XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXXS : we are extremely distressed the difficulty of reporting this dispute and time spent on this. We will present documentation you may require
Wells Fargo Bank offered a {$250.00} bonus to those who open a checking account with them and make 10 debits on it within 60 days. Three members of my family took advantage of that offer and the other two have successfully completed the debits and received their bonuses, but they singled me out for different treatment and froze my account without telling me. My debit card never worked and they told me I needed a new one but that one did n't work either. No one told me the real reason, and the 60 days is rapidly passing without my being able to fulfill my debits. Every time I ask what the problem is, I get a different answer, and every time I satisfy their queries, they come up with a new roadblock. I asked for my original deposit back if they would n't let me make debits on it, and they refused because they have frozen it. I have health problems and am depleted from dealing with this, with still no resolution. I have gone into the local branch three times and spent a great deal of time on the phone with them, as well as their HQ, including their fraud department. So far I am still being treated very differently than my other family members, who did exactly the same thing in exactly the same way. They keep making new requirements of me, that were not required of others, and when I meet their requirements they make new ones. Enough is enough.
To whom it may concern I was served a copy from a court settlement debt. This XXXX account that's being mentioned in the court ordered judgement is not valid. My Name is XXXX XXXX and I currently live at XXXX XXXXXXXX XXXX   XXXX CA. XXXX, my phone number is XXXX XXXX XXXX.I was served a letter from court of XXXX County XXXX XXXX XXXX XXXX CA XXXX. The petitioner is XXXXXXXX XXXX with the case number of XXXX and I as the defendant. I never opened this XXXXXXXX XXXX nor did I ever lived at the address mentioned by them ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I tried calling Moore Law Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX ( XXXX ATTORNEY ) but no luck. I was only able to leave a message. Please help me settle this or correct this mistaken debt collection. 
I could also be reached at XXXX or XXXX XXXX XXXX. 
Thank you and have a great day.
A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

Experian XXXX XXXX
This is about Wells Fargo, and investment accounts being emptied on bad transactions that were paid at the transaction level to the investment people at the XXXX branch at the corner XXXX and XXXX in XXXX california. These transactions had a fee attached to them whether or not it was a sound transaction or not. My wife and I lost our life savings due to this blatant, and premeditated unscrupulous action by this bank. We lost approximately {$280000.00} in 16 months of Wells Fargo 's blatant " Theft in the daylight ''. 
This all took place around XX/XX/XXXX-XX/XX/XXXX. A the time, the XXXX. of that branch was XXXX, and he was in control of our money. I am submitting this complaint because I have evolved in my knowledge base, and Wells Fargo is currently under investigation on California for numerous counts of unscrupulous banking methods. The bottom line is, they stole my money in what was at the time, their mode of operation, and policy to disenfranchise their customers of their funds. I know you will keep my personal information from the public, but I am entering my contact information. 

Regards XXXX and XXXX XXXX, # XXXX XXXX, Ca. XXXX. 
( XXXX
Apex Resolution Group XXXX XXXX XXXX XXXX continues to harass me and even threatened court proceedings. The calls continue after I have informed them of their misconduct. They have purchased a worthless debt from another company who bought it from another company etc ... .etc. They have threatened to " TELL MY MOM ON ME '' ( she is deceased ). This company has repeated my social security number over and over in an effort to cause tension over the phone. They also verbalized a list of names of former women with whom I have had relationships. They accused me of defaulting on loans that were completely paid off by me. I am a XXXX XXXX XXXX XXXX man and this company should be held accountable for their inappropriate and unprofessional practices. This debt for which they are calling was settled approx. 5 years ago with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. The settlement amount was for {$1200.00}.
since XX/XX/XXXX XXXX I have been working with my mortgage co. Nationstar. THE AGREEMENT WAS TO LOWER OUR MONTHLY MORTGAGE PAYMENT AND LOCK IN OUR INTRESET RATE AT 4 %. We went thru the XXXX California program for the funding of {$51000.00} that was paid to Nationstar on XXXX/XXXX/XXXX to pay down my principal balance to lower my monthly payment.This process took from XXXX XXXX to XXXX XXXX I would call to get an update I was told it is pending, it is in process, I was never told that any other paperwork was needed. I called in XXXX XXXX to get an update in my new monthly mortgage payment I was given the same monthly amount before the principal reduction payment. when I told Natonstar XXXX this is NOT CORRECT I was told that I needed to request a RECAST. I told Nationstar for the last 4 months I called for updates I was told it is pending from XXXX XXXX to XXXX XXXX. I called XXXX California for their help and I was told to handle it with Nationstar.. I have tried to get in touch with the recast dept.you cant reach them by phone. I have to leave a message or have someone within the company E-Mail them, so we play phone tag. I have filed a complaint with Nationsta NO response to date.Nationstar has had me contact several different depts. that cant help so this has taken too long and they have given me a final date of XXXX/XXXX/XXXX to have the recast paperwork in. Thanks for your time hope to speak with you soon ( My work days and hours vary from day to day )
I was approved a loan with this business under the advertisement no interest for 3 years. They have been adding late fees to my principal loan balance, which is causing my monthly minimum to go from the initial amount of XXXX dollars to XXXX dollars. Also they are double charging for the late fees and adding interest onto the late fees, so if I don't pay the full amount of late fees they will add another late fee to the loan balance. I have spoke to the supervisor who kept beating around the fact that they are using late fees as a way to make interest. it is very misleading
I was served a lawsuit from  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia  XXXX  ) on  XXXX / XXXX /  XXXX  . The lawsuit was filed on  XXXX / XXXX /  XXXX  . I am being sued on behalf of  Midland Funding, LLC  for  XXXX  Bank in the amount {$1700.00}. I was never notified of a lawsuit being filed and I never received any communication from this Law Firm,  XXXX   XXXX   XXXX , LLP. This account was disputed directly with the  Original Creditor, and Midland Credit Management. Which I am not sure is even the same company as Midland Funding. I have never been contacted by Midland Funding.
American Express unexpectedly lowered my account limit from {$10000.00} to {$6200.00}. When I called and requested further information, they stated that a periodic review had encouraged the decrease, due to my " balance-to-payment '' ratio. However, I believe this is a fair lending violation. I previously held an American Express credit card with my former-boyfriend ; he was the main account holder. Throughout his tenure as a card holder, his credit limit was never decreased, it was, in fact, increased, despite his high balance and minimal monthly payments. With his consent, I accessed his account today and found that, even though his balance was over {$8000.00} and he has only been making the minimum monthly payments, his credit limit had not decreased and had, in fact, been increased on a separate American Express card, on which he also carries a high balance and makes minimum monthly payments. As a female who makes more money than my former male counterpart, I am outraged that my credit limit was decreased, despite a lower balance and larger monthly payments. I believe this is a clear example of discrimination against females.
Schlee & Stillman , LLC is attempting to collect on a debt that I do not owe. They are threatening to garnish wages and sue me for medical billing I have never acquired at a hospital I have never been to. The last XXXX digits given do NOT match my SS #. 

I would like to have a cease and desist put against this company on my behalf. 

Sincerely, XXXX XXXX