WillisBack/dataset-financial-user-claim huggingface dataset:
When signing up for this credit card, the terms signed had a clause about becoming unemployed. I lost my job and the credit card company refused to follow the terms that they had laid out. This resulted in being charged multiple fees ( incorrectly ). These fees had the effect of compounding to make the situation worse, with more fees coming about from the fees that shouldn't have been there to begin with. I have now paid much more than ever used, with a balance at the same place it was to begin with. I became unemployed again, and the company stated they would not follow their outlined terms for the unemployment, and my account was being closed instead. Most recently, the company started harassing my in-laws. Calling my wife 's mother and brother harassing them. My wife is not even on my account! I had this account long before I even met her. Simply put, not following their own policies, and harassing third parties trying to over-inflate what I should owe them, should be illegal.
Central credit services LLC XXXX XXXX, MO XXXX XXXX This collection agency is trying to collect {$380.00} from me. Now on my credit report. Please help me get this removed. XXXX XXXX has not legally informed me of this debt collection. I am Disputing XXXX  XXXX collections regarding unreturned equipment. I was forced out of my apartment after 14 1/2 years. I had one day to move my personal items out. I spoke to XXXX XXXX regarding stopping my service. They informed me to leave old equipment behind. It was obsolete and paid for after 13 yrs of having it, and that I would get a new mini box when I moved into my new location. The equipment was left behind in my old location, as advice by XXXX XXXX consultant. XXXX XXXX  can track this equipment if someone is using it. They informed me of this when I received a bill for {$380.00} then they told me there were going to investigate, but I never received a call back, either way, 2 months ago. Now they have submitted it to this collection agency. This charge is not legal, this is another way for XXXX XXXX to collect more money and rip people off. I have other people dealing with the same issue. They are scammers. Sincerely, XXXX XXXX
Midland Funding LLC, is inaccurately reporting information on all of my credit reports. I submitted a debt validation request to Midland after reviewing my credit report and I received paperwork from them to fill out for a fraud claim. They did not address the inaccurate reporting. A party who purchases a debt that is in default is not a creditor. Midland is not my creditor. I have attached a copy of mycredit report showing where MIdland has inserted multiple creditor tradelines into my credit reports. This reporting is frivolous and inaccurate. Also I attached a copy of the letter that XXXX Midland certified return receipt requested. 

Midland is not my creditor. I have not signed any contract to pay any monies to Midland. I have no payment history with Midland but they are supplying payment history to credit reporting agencies. 

Midland is not my creditor.
I sent a debt validation letter to LVNV Funding on XXXX XXXX, 2015 and they failed to validate my debt within 30 days of sending the notice.
After sending information to verify myself with my disputes on XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized
I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for XXXX XXXX. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a dangerous abusive marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today XX/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of domestic violence, it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under Clarity and then they need to report to the 3 bureaus. Transunion, XXXX, XXXX. please help me on this. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
I used XXXX as my cell provider for about one year, then I decided to change the provider. I called them to disconnect the 4 lines that I had with them, and went to XXXX and open new service, by the way XXXX is company associate of XXXX, Two months later XXXX is still billing me for their operator who did not put my request on the system. A cellular phone could only be active in only when provider. They want to charge me for service they know they did not provided. 
I do not know this amount. 

Thank you
XXXX XXXX XXXX XXXX keep putting information on XXXX, XXXX and Experian stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. 

This is causing my credit score to drop and shows damaging information on collections I do not have.
I have been paying capital one my payments are getting reversed and the money is not going back into my bank account
XXXX XXXX determined a loan that they had for me was fraud. Instead of removing it they charged it off told me that i was not responsible however transworld systems picked it up added money to it and is harrassing me claiming to sue me. It is not my debt i am not responsible and it needs to be removed now.
Equifax, through poor Internet security, allowed my personal, private information to be compromised. I am extremely dissatisfied by the fact that I have no input on whether my information is provided to Equifax or not when I apply for a loan or credit. I am extremely dissatisfied by the fact that Equifax does not have acceptable security for this sort of threat. I would like to express my dissatisfaction about the fact that Equifax waited over a month before expressing information that they were hacked. I would like to express my discontent that Equifax did not inform me IN ANY WAY and I had to rely on the media to tell me that I was in danger. I would like to express my frustration at being forcibly opted into a service that does not protect my information, that is required to participate in society ( through needing credit ). There is not recompense ( that I can think of ) that Equifax can provide that will alleviate the lifelong trust issues that I will now suffer because of this hack. I implore Equifax to attempt to regain the trust of the public, and me, by making things right. I demand credit monitoring ( for life ) and a personal guarantee that my ( supposedly ) secure information will be safe and protected. As a company that requires and stores my secure data, I expect a high level of security. This has not been provided. I request recompense for your transgressions and short-sighted decisions. Please fix the errors and frustrations that you have inflicted upon your ( often unwilling ) consumers.
Nationwide Recovery Services is reporting three collections on my credit report ( XXXX and XXXX ) that are false and they are rudely and grossly doing so because the original creditor ( XXXX XXXX XXXX ) does not have any bills, collections, or accounts from me. These bills are also from a time that I was not hospitalised or a patient at this facility. These three collections all total to over {$6000.00}. They have ruined my credit for no reason these people are financial criminals. For the record I have been on XXXX for over a decade and never ever had any outstanding medical bills. I want them to delete the three bogus, fraudulent, and unfounded debts that are not mine but this company refuses to.
My name is XXXX and I used to have a checking account, money market account and mortgage with Bank of America ( via Countrywide ). Bank of America, now referenced as BOA, screwed me over with regards to my modification and then sold my loan to some 'off the wall ' trust. The real reason for this complaint was that I sent about XXXX letters requesting that the checking and money market accounts be closed immediately since the year of XX/XX/2014 -- probably more! My lawyer at the time also sent a letter and of course they state they never got it even though the executive office confirmed receipt. They keep sending me statements which I nicely mark 'RETURN TO SENDER ' because my checking account had only a {$.00} balance in which I told them to send to me if they chose to -- I do not want anything else from these crooks! It is a waste of their resources to continue to pester someone who earn/will earn them XXXX profit! I do want any correspondence -- NOTHING! I should not have to send in anymore letters requesting closure especially the way they treated me with regard to my injury and my past mortgage! I am done!!! Please assist me and tell BOA to stop bothering me. Post my name -- I do not care. I want as many people as possible to know how this scheisty 'financial organization ' can be to innocent citizens.
Experian is reporting the following incorrect names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Experian is reporting the following incorrect SSN :  XXXX  Experian is reporting the following incorrect addresses :  XXXX   XXXX   XXXX  #  XXXX    XXXX   XXXX  , NJ  XXXX   XXXX   XXXX   XXXX   XXXX , NJ  XXXX   XXXX   XXXX   XXXX   XXXX , NJ  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   NJ  XXXX
I am applying for a new mortgage. This is a property that was put under contract as a lease purchase 5 years ago, when the market was not as good. It has come to the end of the lease purchase and I must now complete the purchase. The value of the home has increased over the past 5 years. AIMLOAN had one of their approved appraiser put a value on the house. The loan to value ratio is 45 %. I am only borrowing 45 % of the current value of the loan but AIMLOAN is requiring that I pay Private Mortgage Insurance. Even though I advised the this was not legal and would n't even cover them, because it only covers the first 20 % of the value of the the home, they did n't care and are refusing to close on the loan if I do not purchase the Private Mortgage Insurance.
Equifax Ive contacted the above credit bureau on several occasions over a 2 years period, explaining to them that Im a victim of Identity theft. I have also provided them several copies of the police report and they have not complied in removing any of the negative information on my report.

XXXX is a fraud account I explained to them that DMV has informed me that there are 2 other individuals in XXXX   Florida that has copies of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information and all they can do is inform me of the issue. However, they stated that the bureau can request a copy of the information and they will send it to them directly. Yet, even after finding that out that information, the bureau refused to request a copy, and continue to retain the information on my report. 
I have explained the later payment to XXXX card and the credit bureau was due to fraud and identity theft. I have spoken to discover card many times and theyve stated that they will remove it yet, its still there. I also explained to them that the information amount on the student loans is incorrect and to this day, nothing is being done about it. I have been working with them for about 2 years with no type of improvement in the results. They keep sending me back the same information repetitively without any removal. Stop having companies change my address in your system and asking me to prove my address
In XXXX-XXXX of 2018 I was unable to make payments due to being out of work. I was not receiving any income due to a medical leave of absence. I am up to date with all payments and made back payments as well. Please consider removing this from my credit score as I was unable to control hospitalization. I am now trying to purchase a home and due to my low credit score, I am being denied the loan amount needed.
I opened an account with Amplify Funding in XXXX, 2018 for {$850.00}. I don't believe I received the actual interest rate until after I signed, but now see that it's XXXX  %!!! For an {$850.00} loan, they want me to repay {$3100.00} back! I have made the first payment via ACH from my checking account, but feel I should not have to pay back at a XXXX % interest rate, which seems like loan sharking.
My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX   XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OHXXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
I am in receipt of my credit report dated  XXXX   XXXX ,    2017  attempting to collect a debt from me. I have never done business with you. In fact, I had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you hence owing you money.
At the end of XXXX 2015 I applied for a mortgage with Bank of America ( BofA ) to buy a house in XXXX, VA. I provided the Loan Officer with any information requested and I told him that I live and work XXXX ( XXXX ) because I 'm a XXXX. On XXXX XXXX BofA charged me {$450.00} for the property appraisal which was done on XXXX XXXX. On XXXX XXXX the Loan Officer informed me that my application was rejected " because you are XXXX and buying a property here ''. Considering that the basis for denying my application ( XXXX ) was known to BofA since the beginning of my mortgage application, BofA should have denied my application right away and for sure they should n't have ordered ( and charged me ) the appraisal cost.
I have been trying to modify the loan on this property since XXXX. I was at first given a forbearance, made my three payments, then it was dropped in a confused and confusing manner and I turned to applying for a modification. The process was awful, I spent enormous amounts of time faxing documents that were lost, etc. and put on a dual track so that the trustee sale date eventually came before any modification was granted. 
Then when the bank foreclosed on the property, it wrongfully foreclosed on the adjoining lot which does not belong to the bank. I called both XXXX and XXXX, they paid no attention. I started a lawsuit, and after many months, the bank settled for attorney fees and recognized they were in error. 
I started applying for a modification again, but again things were delayed, I was told I had not submitted documents on time when I had and was able to prove it, etc. Again the trustee sale date came before a modification on XXXX XXXX. And again the bank wrongfully foreclosed on the adjoining log, using the exact same documents as before, disregarding the few guidelines agreed upon in the settlement. 
So, being an optimist, I tried for a modification again. I had a very difficult time with the agent who was assigned to me, who never responded, and dismissed me without really digging into my file whenever she was available. To make a long story short, I was slated for a trustee sale five times in five years, and each time the foreclosure included the nearby lot which was separate from the property. XXXX even rescinded the settlement agreed upon at the end of the lawsuit, without ever consulting with me. 
On XXXX XXXX, XXXX, XXXX transferred my loan to a new servicer, NationStar Mortgage, without ever addressing the wrongful foreclosures described above. Oblivious to this ancient history ( for them ), the new company is simply starting the modification process all over again, despite my complaint that due to the enormous delays caused by XXXX from XXXX on, the escrow on the loan has become so large that numbers no longer add up. This process must be stopped until the illegal actions of XXXX have been addressed.
Original Loan balance inXX/XX/XXXX was {$220000.00} ; In reviewing XXXX report, balance is indicated, as of XX/XX/XXXX as {$220000.00} - how does the loan balance go up??

I called The Money Source and XXXX  was unable to assist. I was promised a return call but have received same responses before that never happened.
XXXX IS SHOWING UP AS A CHARGE OFF AND A JUDGEMENT WITH BALANCES UNDER BOTH EVEN THOUGH IT WAS PAID VIA A GARNESHMENT ON MY HUSBANDS PAYCHECK XX/XX/XXXX. I CALLED TRANSUNION AND WAS TOLD THE CHARGE OFF WAS GOING TO BE REMOVED XX/XX/XXXX AND NOW THEY WONT RESPOND TO MY INQUIRIES.
I have been the victim of ID THEFT and have been trying to reach out to CHASE CARD in regards to discussing the fraud account they keep reporting on my credit report. I did not open nor obtain the credit card that they are reporting. I keep playing phone tag trying to speak to someone! I have sent them several supporting documents as well as a ID THEFT affidavit and police reports. The date there saying this account was opened was XX/XX/2015 with a supposed  balance of {$20000.00}.
I allowed my subscription to the XXXX XXXX  to lapse. They had said they were switching to Autopay, but I never agreed to it choosing to let the subscription lapse instead. Without ever even sending me a bill, I started to get nasty telephone calls from someone who claimed to work for the XXXX demanding money. I finally blocked the number and they turned me over to A.R.M. Solutions asking for {$72.00}. I called the XXXX to contest it and they said they couldn't make it go away and suggested I pay them instead of the collection agency. I paid the amount in full on XX/XX/2018. 

Now I have received another bill from A.R.M. Solutions, for {$5.00}. No explanation of what it is for, but they sure do want my credit card number. 

I believe this is fraudulent and that they will continue to threaten me and send false bills to me if I comply. 

How do I get this to stop. My credit rating hovers around 830, so this isn't because I am a deadbeat.
Specialized Loan Service ( SLS ) is robo calling my home at least 5 times a day with a non responsive message asking if I am affected by the California Wild Fires. I have tried to call their offices to ask them to stop calling me. I am not affected and all they need to do is look at my address on my loan and know I am not in the county of any fires. They have all this information yet they are harassing me with these calls. How can I get them to stop?
I applied to switch from Income-Based Repayment to REPAYE. After submitting my first application, my servicer switched me back to the Standard repayment plan, which is not what I requested. So I applied again, and got a message back saying that my request was denied because I had not made my payment under the Standard plan " within 15 days. '' I have Direct Debit on my account and I have made every payment on time since entering repayment. Today I applied for a third time but I am not confident they will process the application correctly.
My mother died in XXXX XXXX and at the time of her death was leasing a car from Honda Financial Services, with whom her account was in good standing ( i.e., she had made all lease payments on time and in full ). Upon her death, we voluntarily surrendered her car to Honda Financial Services in pristine condition, provided Honda with a copy of my mother 's death certificate, and proactively inquired as to what balance was owed on her lease. In response, Honda first sent a confusing letter in XXXX XXXX that insinuated ( a ) that they had repossessed the vehicle ( when in fact it was voluntarily returned ) and ( b ) that my deceased mother owed Honda a {$15000.00} " Gross Early Termination Amount '' ( in spite of a lease agreement that specifies that the Early Termination Liability is the lesser of the remaining payments due on the lease term - which in total amounted to only {$5700.00} - or the Standard Early Termination Liability ( good luck figuring out the legal jargon used to articulate the definition for this term ). Now, Honda has sent correspondence indicating that they have " charged off '' my mother 's account and threatening my deceased mother that if she does not pay her balance in full ( a balance that Honda has yet to communicate as of XXXX XXXX ), then Honda may pursue unspecified legal action. On one level, this is laughable, as Honda is attempting to communicate with a deceased person. On another level, it is infuriating and insulting as I have proactively contacted Honda no fewer than four times, attempting to determine what amount was owed on the lease and was prepared to pay the amount lawfully due under the terms of her lease. Most concerning, however, is the fact that Honda Financial Services ' written communications and stated terms and conditions are deceptive in nature and their business practices are despicable.
I requested a new credit card from Capital One after having repeated issue with the billing department XXXX.  Capital One did issue me a new card with a new account number HOWEVER they DID NOT ADVISE me that unless I blocked XXXX from further access to my account XXXX would be able to access my account through a "credit card ID number".  Once XXXX did charge my Capital One credit card, Capital One refused to block XXXX after I filed a dispute stating that Capital One would remove the XXXX charge HOWEVER after a 90 day  investigation would place the charge back on my credit card if XXXX states I owe it.  To begin with the dispute is between me and XXXX, Capital One needs to stay out of the situation ESPECIALLY since Capital One did not properly advise me about XXXX being able to have continuous access to my account "no matter how many times the card is reported as lost or stolen".
My social security number was stolen to open fraudulent accounts in my name with a company called Rent Recovery Solutions. I never lived at the apartment that was fraudulently gotten in my name.