WillisBack/dataset-financial-user-claim huggingface dataset:
I have a mortgage loan that is six months old and serviced by Green Tree Servicing LLC. I have had nothing but problems with this company. Now they have issued my insurance premium to the wrong insurance company as of XXXX. I switched insurance carriers in XXXX, more than enough time for Green Tree to update my escrow account. They 're customer service is horrid and yields XXXX results. 

They also drafted my XXXX XXXX payment on XXXX XXXX which ignited another nightmare round with they 're lousy customer service who could n't explain why my XXXX payment would be drafted two weeks early. Needless to say the people on the phones could care less and I suffered the consequences of overdraft fees incurred by this event.
On XX/XX/18 a dispute was sent to company regarding XXXX XXXXXXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}, XXXXXXXX XXXX {$1600.00} Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
The XXXX XXXX XXXX account below is showing as a charge off and failure to pay. This information is not correct. I have attached proof of payments as well as I have future payments setup to pay. By law a company can not give you a charge off and still collect payments on an account. They have also made treating comments and remarks about how they can collect for this debt. 

Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$27000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount {$27000.00} Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
On XX/XX/18, I finally opened a mailing I received from Capital One that said I was pre-approved for a credit card. They even said they reviewed my credit information, so they should have known my credit score and history. I thought this would be a good opportunity to get started on repairing my credit. I applied but I was denied. This hard inquiry and denial has a negative impact on my score and further complicates my journey to good credit. 

Credit card companies using " pre-approval '' scams to lure folks with bad credit to apply for new credit is predatory and should be illegal. How can you be " pre-approved '' but not get the card? Getting denied hurts your chances of ever getting a card anywhere else. 

Capital One scammed me and added to my damaged credit history. These kinds of scams need to be investigated and made illegal!
Wells fargo had a world wide system failure on XX/XX/XXXX and XX/XX/XXXX and my pay day was XX/XX/XXXX. Although there was no issue with my direct deposit there was an issue when I tried to get gas and other items such as groceries and lunch that day. Nor was cash avaiable via ATMs. They were issuing a courtesy inconvienece fee which they did not disclose to anyone, I had encountered a friend who also was with WF and told me. I called today XX/XX/XXXX one day after to incident waited over an hour for them to not be sympathetic and tell me I could not receive the inconvienece fee although I was inconvieneced. They transfered me to another person only for them to say the same thing. I have XXXX children and a job I have to get to every day and caused a major inconvienece as sadly, I do live pay check to paycheck and am the sole financial provider for my XXXX kids and significant other. My significant other even had to ask his parents to borrow necessities like toilet paper and food until for the day and our cards surprisingly worked later that day.
I called Bank of America in XX/XX/2018 informing them I made a terrible mistake and had forgotten I had given my Son XXXX XXXX permission to take money from my bank accounts If I ever became seriously ill again. Frauds Department had already processed this claim as a fraud and gave money back to my account on this transaction. I told them several times in XXXX, last month, this was not a fraud and I had forgotten I gave my son permission. See my affidavit uploaded here., the bank said they would begin to reverse the claim and process it. On XX/XX/XXXX I got a letter uploaded here also, from some banking department saying the claims that my son has made an issue would not change in their decision. Regardless of my many calls to the bank in XXXX informing the bank I made a big mistake, that I had forgotten I had given my son permission for my banking matter when I was ill again. The bank did not reverse the claim and said the decision was final. How can this be? This is very wrong and their first decision was based on false information I had mistaken gave them to act on.. Now the bank is still pursuing my son for recovery of the funds when he has done no wrong. He was only doing what I told him to do. The bank needs to correct the error and reverse their decision. Iconfirmed many times in XXXX that this claim was an error filed by me. I never sent them in any paper work or affidavit either, until just now confirming here that this was not a fraud. My son was only obeying what I told him to do. 
I have drafted a notarized Affidavit today so there will be no more misunderstanding about the facts and circumstances in my banking matters and this claim which had a claim # XXXX. 
This affidavit clears my son of any wrong doing and is documented that I made a big mistake and forgot I had given my son permission to take money from my bank accounts.
On XX/XX/2017 I discovered a fraudulent tradeline from a collection agency ( XXXX XXXX ) originating from " XXXX XXXX '' on my TransUnion credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). This debt is not mine, I do not know where the debt originated. I can presume it is related to the fraudulent names and phone numbers on my credit report, but I do not know for sure. 

I also noticed that the TransUnion credit report XXXX XXXX was illegally permitted to access my credit report for an allegedly " permissible use '' of debt collection. This is especially specious given the clearly fraudulent name that appears to be the source of this alleged debt.
I 'm writing to you because this company reported me to a collection agency without my knowledge. Once I found out about the collection account I pay the collection account in full to diversified with the understanding that it will be removed because it never should have been there in the first place. So at this point on XXXX XXXX I reached out to XXXX XXXX XXXX on behalf of reporting me to diversified. So I reached out to XXXX and I spoke with a manager by the name of XXXX she told me she reached out to diversified and inform them that this account was no longer in on the right meaning no longer in collection, she also stated in XXXX days that it should be removed from my credit report once again. I reached out to diversify to figure out why would they still reporting on my credit report I spoke to a gentleman by the name of XXXX he ensured me in a couple days that it will be removed no longer my credit report. To my disbelief it still there. So then I reached out to XXXX again on XXXX XXXX and I spoke with a representative by the name of XXXX who worked under XXXX who took my account out of underwrite. She did n't reach out to diversified on XXXX way with me on that day trying to get to the bottom of the removal. So now today is XXXX XXXX I 'll reach out to diversify XXXX times after speaking to XXXX XXXX XXXX with him on the phone. Now at this point diversified is being very rude and I 'm over it.
XXXX XXXX is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted
I initiated a 0 % promotional transfer from my AAA credit card from AAA Financial Services in XXXX DE. I had done this in the past and did n't notice this issue. AAA offered me a 0 % balance transfer but did not explain that my regular monthly charges would now be charged an interest rate even though I paid those off each month while carrying the balance transfer that I pay off in small amounts each month. So it does not make sense to me that I pay interest on a balance that I pay off each month, on time. How is this a good deal? It feels like a scam to me. I have had this credit card since 2003. I have excellent credit. They told me this was explained to me when I initiated the offer but I do n't recall. I am in the process of switching to another card, but wanted to file a complaint because this does n't seem right.
A former bookkeeper we fired opened credit accounts in our name. Bank of America is one of those accounts. We have sent police reports and FTC ID Theft notarized affidavits to Bank of America. BofA is not taking the action required under the FCRA to delete this fraudulent account from our XXXX credit file. Deleted from XXXX and XXXX, but not with XXXX.
I dispute balance of XX/XX/XXXX of {$940.00} from a beginning credit of {$1000.00} by CITIBANK some years ago. When Citibank allowed me this credit called CHECKING PLUS it was not categorized LOAN as seen now in Citibank statements. Thus, my main concern is to not approving unknown fee applied by Citibank as TRANSFER TO COVER OVERDRAFT. While I do not recognize so-called overdrafts, this fee reduces completely every month payment I have made so far but making the credit balance unchanged as shown below. e.g ; A XX/XX/XXXX : Account balance = {$960.00} B. XX/XX/XXXX : Account balance = {$940.00}? 
XX/XX/XXXX - XX/XX/XXXX : Account payments = {$1000.00} In the light of all of above I request arbitration of unchanged balance due to so-called Transfer To Cover Overdraft unknown fee. I can remember that Checking Plus credit of {$1000.00} had no payment limit or was a kind of loan either. 
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Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. Have no recieved a follow up from the company. The was discharged through my bankruptcy and the account is still reflecting as if I currently owe the debt
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
On XXXX/XXXX/15, I purchased some Car Audio equipment, I paid the buyer with my Citi-Bank credit card. I never received the item 's I purchased. I filed a dispute with Citi-Bank, On XXXX/XXXX/15, I received a conditional credit. On XX/XX/2015. Citi - Bank reversed the credit. On XXXX/XXXX/15. I received a letter from Citi-Bank reguarding the transaction. If I wanted to still dispute it I had to fill out the form and send it in. I sent it twice. But City-Bank, claims they never received either one. Now they tell me the time to file has elapsed, not my fault they cant do a simple task, and constantly lie. This is why they will never Be XXXX or XXXX
A delinquent trade-line from the company BARCLAYS BANK DELAWARE for {$3100.00} still appears on my XXXX credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why XXXX would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!
In XX/XX/2006 I opened a student loan with Sallie Mae for XXXX to aid in funding my post secondary education. Over the past 12 years that balance has more than doubled to XXXX. I feel this is absurd. Sallie Mae, now Naviet has forced me to contend with the forbearance option of this loan and continues to capitalize the interest. I have made several attempts to pay down this balance and have made more the XXXX in payments over the past several years. This is becoming an absolute burden and Navient appears to be unwilling to work with the client to help pay this balance down. I have provide a statements to aid in this dispute along with the most recent rate reduction document.
{$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.
I contacted Trans Union. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told Trans Union that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX  on XX/XX/XXXX that I did not receive the XXXX XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing XXXX. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.
Auto loan XXXX XXXX XXXX XXXX account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online
The company XXXX has issued a debt collector, CBCS, to collect on a false debt that has already been paid for. I purchased a ladder from their website online and have records of payment and receipt, they do not ship a ladder unless it is paid for, so there is absolutely no reason for them to try to collect on a debt that has already been paid for. I then got letters from a debt collector indicating I still owe for the ladder that I already paid for. The balance is {$230.00}, but I already paid this and should not even be seeing this debt. I already sent proof of payment to the debt collector and told them I am disputing the debt, while they only replied to me a letter indicating the bill of which I have paid for. Again, you can not get merchandise from this website unless you pay for it, so there is absolutely no reason why I am being billed for a ladder I already paid for.
I started an account with XXXX for a cell phone. Even after i paid the bill and my son transferred the account to his name, they still tried to come after me for almost {$720.00} dollars. Now they have sent the account to collections and a debt collector is coming after me for this debt I do not owe.
As a result of a class action lawsuit, ( XXXX v Equifax information, case Services ) case # XXXX ( XXXX ). I was to receive free credit monitoring and any Va District Court Judgement removed. This was in XXXX of 2016. I have the monitoring service, but the judgement has not been removed. I called serveral times. No one had any info about it. 
I tried to get to the corporate office legal department, but I had to know a specific name. I am a XXXX vet, trying to purchase a home. This prevents me from qualifying. Please help me.
I am so disappointed in Bank of America, and their ways on charging hard working people like myself, and that lives check to check with all these hidden and ridiculous fees! I did n't notice I overdrafted my cheking account, so my savings covered the overdraft cause I have them linked, and does n't bank of America truly charge me {$12.00} for an overdraft transfer!! Wait what!!! For that I would of left my account overdrawn by XXXX cents instead of this sneaky stuff they are doing! This Is sad that you trust your bank with your hard earned money, and they just rip you from every angle. If I had thousands or millions I would n't mind a bit, but the rip the little guy, and not the big guy with all the money!! These banks have to accountable for their wrongs too, and to loyal customers!! I also started a claim when my wallet got stolen and {$200.00} were taken out without any of my knowledge or authorization, and they just proceeded to dismiss my claim and not pay me back my stolen money!! I will never recommend this bank to anyone, cause they do n't help you out at all. Only themselves!! I just lost my dad on XXXX and my financial situation is bad with all my dad 's funeral expenses!! I would n't recommend bank of America and all their hidden and unjust fees and they do n't help their customers out in any way!!
I submitted to experian credit reporting agency a letter I received for further documentation the my mandee 's account was never paid late and this account should be reporting as accounts that are satisfactory. I received the letter from the bank ( XXXX ) that they are to adjust and correct my report. Today I reveiwed online the results of the investigation and now it is showing as N/D for the month of XXXX and still reporting as a late payment for XX/XX/2015. This is completely wrong. Experian requested this letter so they can adjust my report and move this account to accounts that are satisfactory. I spoke with commenity bank and received this letter as they confirmed this account has never been paid late. This account at one time was reporting correctly as accounts that are satisfactory then recently it was moved to accounts that are potentially negative. They re-inserted it back to negative. I spent time on the phone with them plus my time in mailing this letter again and it still is not corrected. I am submitting this complaint about experian credit reporting agency because they have the substantial documentation they need to correct this account. XXXX/XXXX.
Opened an account with substantial funding. XXXX rep told me that if I added $ XXXX the interest rate would stay at 1,35 % for another 6 months. I did, but instead, they reduced the rate to 0.27 %. I contacted them and told them that I did not agree to this interest rate and that they should close the account and send me my money back. They kept promising to fix this " mistake ''. Nothing happened even after almost 3 months of my attempts and utmost frustration. I asked them to close the account and send me my money and they failed to do that after several months. In the meantime I am losing money, since I could have invested it in good investment opportunities. So at this point I consider their act to be that of criminal, unauthorized possession of my money. Awful bank, awful lying personnel that does not give a XXXX about their customers. I am at a point of asking an attorney to file a criminal complaint in federal court over this issue that any normal bank would handle in one day. Malicious idiots, crooks and thieves is the best description of their personnel.
I believe that I 've been mislead as to all of my repayment options while interest is still accruing. I 've called to speak with soneone several times only to get either hung up on or told that there was nothing else that they could do.
This complaint concerns Caine & Weiner Company , Inc. ( hereinafter " C & W '' ) located at XXXX XXXX XXXX, 4th Floor, XXXX XXXX, CA XXXX, telephone number ( XXXX ) XXXX. 

On XX/XX/2019, C & W violated 15 U.S.C. 1692 ( f ) ( 1 ), also known as 808 of the Fair Debt Collection Practices Act, which states that " [ a ] debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt ... the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' The circumstances of this violation are as follows : a ) on XX/XX/2019,  I, the reporter and consumer, called C & W to settle an account it had reported to the credit bureaus under my name, and which it claimed was an amount owed by me. The original creditor was XXXX XXXX, and the alleged original debt amount was {$490.00}. I offered to pay the account in full conditioned by the guarantee that C & W would delete the account permanently and completely from my credit reports. C & W agreed. I provided my credit card number to C & W. C & W, prior to charging my card for the amount allegedly owed, insisted to me that there was a " {$12.00} convenience fee '' that I had to remit in order to make my payment. C & W claimed that I was required to pay {$500.00} to settle the account. C & W had previously refused to provide any verification or accounting of the amount I owed. C & W did not provide any evidence that state law permitted a {$12.00} " convenience fee '' or that the original creditor 's agreement with me provided for a {$12.00} " convenience fee ''. In fact, the original creditor 's claimed amount owing of {$490.00} already included a {$5.00} " installment fee '', and the amount had long since been solidified by C & W and the original credit as the final amount due and owing - and this amount is the amount C & W reported to the credit bureaus.

C & W 's insistence that I pay an amount in excess of this amount is a clear and flagrant violation of the FDCPA, and I suspect that C & W is committing this violation with most, if not all, of its other accounts on which it is collecting from consumers. This deceptive and highly illegal practice must cease at once.

Finally, C & W refused to issue a receipt or confirmation of my payment to me in writing, whether electronically, via mail, or otherwise. C & W issued a " payment confirmation number '' to me, which it asserted was : XXXX. 

Thank you.
I have sent several letters to Equifax asking for the information to be corrected on my report. After several attempts and Equifax claiming the item has been verified as reporting correctly, I sent certified letters asking the item be removed for incorrect information being reported that is damaging to my financial reputation. The car was picked up by the dealer on  XXXX / XXXX /  XXXX   and account in question has been closed since  XXXX / XXXX /  XXXX  . The creditor continues to report an open account that is not being paid. The dealer took the collateral in exchange to clear the debt. This account is settled in full.