WillisBack/dataset-financial-user-claim huggingface dataset:
I received a collection letter containing a settlement offer from XXXX XXXX XXXX, a law firm representing Capital Alliance, dated XXXX XXXX, XXXX. The letter indicates they are collecting on my former XXXX XXXX XXXX account in the amount of {$880.00} and that Capital Alliance is my current creditor. 

I was extremely upset by this, I assumed they were going to sue me if I did n't pay them. I was too embarrassed to tell anyone and did n't know what to do. This proved to be XXXX some years back caused by XXXX which is why I fell behind on my XXXX card to begin with. XXXX. All of this caused because I was so afraid of being sued. 

I finally confided in my daughter about this and she started helping me. First she pulled my credit reports and found my old XXXX account was only reporting on one due to how old it is, it 's gone from that one now too. She did some research and this is what she found. 

My XXXX account is past Statutes Of Limitations for suing and was at the time of their letter. Their letter does not indicate that, it was supposed to. I thought if I made a payment it would reset the SOL clock, I now know it would not. 

Their letter gives a deadline date of XXXX XXXX, XXXX for payment, this is why I was certain they were going to sue me if I did n't pay by then. It was very misleading. 

Their letter indicates Capital Alliance is my creditor. They can not be, they are a debt buyer. XXXX XXXX owns XXXX XXXX XXXX as well as Capital Alliance. They have an unscrupulous reputation and are banned from filing suit in some states. 

Their letter does not include any of the information it should have. No dates as to when the account was originally opened, the last payment, first delinquency, charged off, when Capital Alliance supposedly purchased the account and from whom. They did n't even include the account number. 
The amount they are trying to collect is {$880.00}. The amount the XXXX account was charged off for was {$270.00}, a {$610.00} difference. 

My daughter found this court case that is very similar. 
XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) My daughter also helped me with this complaint as well as a letter to XXXX & XXXX , dated XXXX XXXX, XXXX, sent via Certified Mail with a Return Receipt. They did not respond. 

When they pull these illegal, unethical scams I wonder if they ever think about what it does to the people they 're scamming. 
I doubt it. 

I 'm confident I would prevail in a court case against XXXX XXXX XXXX and Capital Alliance but would prefer to settle out of court due to my health. 

I have attached copies of the correspondence and the relevant credit report entry with the account number blackened out for legal reasons.
This company is on my credit report and this is fraud. They have a   XXXX   XXXX   who owned these accounts living in Florida. I have never lived in Florida, nor have I have been affiliated with these companies.
They need to remove themselves from my credit report and leave me alone.
I live in Ohio. The   XXXX   XXXX   they are looking for lives in Florida. Please contact this company and have them stop harrassing me and sending me documentation. I 'm assuming after attempts to locate this person, they found the same name in Ohio and have sent this to my address. Attached. However, as you can see the person they are looking for is from Florida ( Consumer name and address ). This needs to stop and they need to remove themselves from my credit report as soon as possible.
On XXXX XXXX, 2016, I took a flight from XXXX to XXXX on Frontier Airlines. On the flight, I was offered a credit card application for Frontier Airlines. If approved, I would receive XXXX air miles and XXXX bonus miles after I paid the XXXX annual fee and made a purchase with my credit card. I received my card from Barclays Bank. The account open date was XXXX XXXX, 2016. On my statement from XXXX XXXX, 2016 to XXXX XXXX, 2016, I paid the annual fee of {$69.00} and made purchases of {$140.00}. 

I made a call to Frontier Airlines on XXXX XXXX, 2016 to find out why I had not received the XXXX miles. They said I would have to call Barclays Bank, which I did. 

I talked to a XXXX on XXXX XXXX, 2016, a woman on XXXX XXXX, 2016 ( I could n't understand her name ) and XXXX on XXXX XXXX, 2016. I was given a case number of XXXX. I was told that I had been given a temporary frequent flyer number and then a new frequent flyer number and they needed to merge the XXXX numbers. 

I called on XXXX XXXX and talked to XXXX and I was told that it should be corrected by Friday, XXXX XXXX. 

I called on XXXX XXXX and told XXXX that I wanted to talk to a supervisor about this and he put me on hold and never came back. 

I called back and got a representative that I could not understand. I asked to talk to a supervisor, she put me on hold and after five minutes on hold, I hung up.
I went into the XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX in XXXX Illinois XXXX, to purchase a used automobile. When and while negotiating for the vehicle we came to an agreement. To my surprise the car outlet charged me a " Voluntary Debt Cancellation ( VDC ) '' coverage in the amount of {$2200.00}. This particular fee and coverage was not explained to me nor was I advised of it when I was executing the documents. I had expressed to the dealership that I would obtain full coverage insurance on the vehicle and that my insurance carrier would cover any potential loss that may occur. This particular VDC fee had a {$1000.00} deductible if a loss were to occur. 

On XX/XX/XXXXI went to the XXXX XXXX to return the vehicle or enter into some better financial arrangement as I was experiencing some hardship with the moving of my business to a new location. The dealership refused to renegotiate lighter terms or extend the term of the loan thereby lowering the payment. I finally left the car in the custody of the dealership at their XXXX location. I left for my home to think about my options returning the following day to see that the car had been placed in their back lot with all the windows and trunk wide open allowing the rain to completely soak the interior of my car. The XXXX XXXX was under the impression that I had turned the car in and decided to walk away from the obligation. I discovered that the XXXX XXXX had purposely left the windows and trunk open in order to file a claim with the very insurance company coverage they had secretly sold to me. The interior of the car was full of water, mold and terrible odor. I had expressed to the XXXX XXXX what I had witnessed and they completely denied it.
I sent experian documentation to experian to prove that these items should n't be on my report. they stated my results are ready but when i enter all the information to get results I get the following. '' The results of the processing of your dispute ( s ) are now available. View the results instantly online. Your Report Number is : Your Investigation ID is : XXXX '' " We .are unable to honor your request to access your credit report online. Please call us at XXXX, or you can submit disputes and supporting documentation at experian.com/uploadSelect this link to submit your dispute and supporting documents at experian.com/upload or write to us at XXXX. XXXX XXXX, XXXX, TX XXXX. '' so that they can correct my credit score. if they update my credit score it would over XXXX they are intentionally not updating my report to get the correct score. I have provided the proof and documentation and submitted online via their website and now they are not responding. to me they are trying hard not to update my credit score and using these delay tactics. 
experian is n't doing anything to correct my score which is grossly wrong. with the corrections my score would be over XXXX and should have been over XXXX for the past XXXX XXXX years. instead my score was in the low XXXX ( XXXX ), they are discriminating and illegaly not reporting correct information on certain peoples reports. not reporting corrected information and updating my score hinders me from employment, loans, apartment approval, and much more for the past four years. this should be looked into because I am sure this is effecting XXXX.
Hello.
I applied for a refi with XXXX XXXX, who sent me factors on my credit report.
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They were : 38. You have a serious delinquency and public record or collection filed and on your credit report.
I filed bankruptcy 5 years ago ; in XXXX 2019 it will be dropped. THIS IS TRUE.
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18. Too many delinquent accounts. I HAVE NO DELINQUENT ACCOUNTS. My credit score is XXXX ( rated Good ) and show NO delinquient accounts. THEY WILL NOT FIX THIS.
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14. Length of account history is too short. MY ACCOUNT HISTORY IS FIVE YEARS OLD! THAT IS NOT SHORT. THEY WILL NOT FIX THIS.
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10. Balances are too high on your banking revolving or all credit history accounts. I HAVE ONLY TWO  CREDIT ACCOUNTS WITH VERY LOW BA : LANCES, IF NOT XXXX. THEY WILL NOT FIX THIS.
I sent  XXXX  different transfers to a fraudster   XXXX   me. I sent  XXXX  on  XXXX  and  XXXX  on  XXXX . I used moneygram and they said they could not refund me.
I was contacted by XXXX XXXX on XX/XX/2018, regarding a debit with the original date of XX/XX/XXXX, account number XXXX, the debit is not properly verified as belonging to me, please verify the debit with my signature or remove from my credit profile.
I'm am a United States Army soldier currently XXXX in the XXXX XXXX. Before my XXXX I was involved in a active duty training exercise. The month 's of these training exercise were, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2017. I was late paying my car during that time because the training was in a remote area, with very limited communication. Upon returning, I contacted Wells Fargo Dealer Services to make arrangements. I was told to fax a copy of my orders to them and the late payments that had been reported to all 3 credit  reporting agencies would be removed.
Hello I have a credict card that I have always paid in time but when applied to others theaswer is negative by claiming a disgusting track record that is not true I found out about that account and it was a mistake that someone commited with my son 's XXXX account and now this messes up my record.This disgust me a lot and I want some one to fix this
I get XXXX accounts with XXXX with XXXX different amounts who supposed to be removed and still showing on my credit report with Equifax. I want this accounts to be closed and removed immediately on the 10 days turn around. When a company removed some account for a credit agency every credit agency should do the same.
my accounts nordstrom account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.
Today XX/XX/XXXX XXXX XXXX from JPL Recovery Solutions, call my phone left message for my husband that I said she was verifying my information for a job I had applied for, she also called my daughter and mother and told them the exact same thing. That I had applied for a job, and she was just verifying my information with them because I used them as a references. This is the second set of calls that my family has received from this company. The first time it was a guy named XXXX that called. He also called my mother, daughter and a cousins husband. When I asked her to quit calling all my family she said that I used them as references and she could call them if she wanted to, so she could verify my information.
On XXXX XXXX, XXXX my husband had a XXXX which left him with a XXXX. He has been deemed XXXX by the U.S. Social Security XXXX Office. Three days after his XXXX, while he was still in the hospital I contacted the mortgage company to explain the circumstances. As my husband is self employed and we had no savings I knew we would be unable to make our mortgage payment. I have been working with the mortgage company for the past 16 months to keep our home from foreclosure and have worked with several agencies. ( I have documented over XXXX steps I have taken regarding this matter ) On XXXX XXXX, XXXX XXXX XXXX XXXX submitted a a request for forbearance on our behalf. It was denied due to lack of income verification and XXXX said we would now need to work directly with the mortgage company. I submitted the income verification by the XXXX deadline and never heard back from the mortgage company until we received a preforclosure notice dated XXXX/XXXX/XXXX. ( During that time my father-in-law passed away and my husband had emergency carotid XXXX XXXX. ) In speaking with my husband he was able to say " email '' and it turns out he had been getting email statements for the mortgage company the entire time and I was n't aware of it, he had n't thought to tell me because of his XXXX. I immediately took the last statement and paid over {$6000.00} which the mortgage company refused. I then contacted the MN Attorney General 's Office. Under their recommendation we applied for a Home Affordable Modification in XXXX XXXX. After making three monthly trial period payments we were given the terms of the modification in XXXX which included {$9000.00} in past due and interest fees, changed the mortgage from a 20 year to 40 year mortgage, increased our interest rate by .25 %, increased our mortgage payment by {$7.00} per month, and shows no indication of the three " trial period payments '' we made totaling {$2300.00}. I feel very strongly that the terms of this refinancing are unjust and unfair and in no way " helps '' our family. Although we are still able to live in our home we will now owe well more than the market value ( {$90000.00} ). This issue has been negligently and grossly mishandled by the mortgage company, has been discriminatory with regards to my husbands XXXX and has caused us an incredible amount of stress and hardship during a time when I should be concentrating on the health and healing of my husband ( he averages XXXX-XXXX XXXX per week ) and the raising of our XXXX XXXX year old XXXX daughters. I would like to file suit in federal district court to cover actual and punitive damages.
I received a loan for {$670.00} and have paid them XXXX for the past 5 months and when I spoke to them today they told me that I still had 5 more payments to make of XXXX. By the time the loan would have been paid off I would have paid {$4000.00} on a {$670.00} loan. After speaking with a lawyer he stated that the company is not licensed in the stated of VA and you could n't find any real information on the company when he searched and that the company had numerous complaints and is part of scam that gets around the law by using tribal or native American laws.
I had fraud on my account for XXXX with chase I call in to advise them that I did not do that charge they adv that they cancel my card which they didnt I had to call back in which they adv that the rep forgot to cancel ... this was from XX/XX/XXXX they reverse gave me a credit then today XX/XX/19 they reverse back credit stating that after investigation it was not fraud bc I have used that atm before and my PIN number was enter without any issues ... I try calling chase to adv them that Im having issues with my roommates which I adv before when they had ask me if I could think of anyone that may have access to my card I cant point finger who may have steal my card and used it ... they are telling me bc my PIN number was in my purse by chase law it states that I should not write down my PIN number ... this is unacceptable and I feel like Im not being protected by my bank ... I have the same Issues with my other bank and my credit card which investigates it was fraud and credit me my acct but chase is telling me foolery ... and I need my account to be credited bc now I feel like Im not protected by fraud with my bank ... .this is the 2nd issue Im having since I got this account with chase ... now my account is overdraft in a negative balance no letters nothing from chase telling me the status of my claim just a reversal in my acct.
Gemini Capital are notorious in trying to collect fraudulent debt. Their attorney refused to compel discovery from the court. They claimed that they served in a house I did not owe and also I was in XXXX at the time of service. This company and their shady lawyers must be confronted and fight back legally. I won the set aside Motion and got my garnished money back. I urge anyone who has a problem with this company, please contact me at XXXXXXXXXXXX and let us get together and hire a lawyer and file a lawsuit. This does not even have an address or phone number you can contact them but you can contact via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. I wish you all a great luck and fight back if you are correct or debt is old and does not comply with the statue of limitation. I heard this company and their shady lawyers trying to collect debts from 1970 's. Just XXXX their name and you will see the truth.
On XXXX XXXX, 2014 I purchased a home. My spouse called XXXX and asked to be turned off on XXXX XXXX, 2014. However the gas company did not show record of this and billed for XXXX which I went back and forth with them about. 

They have sent it to a collection agency and I offered to pay in full to get it removed from my credit report even though I did not live at the address any longer and whoever does or did live there used my gas or name.
I have constantly contacted this company for validation of this debt. 
I never received any documentation from them proving that this is mine. 
Ive never received correspondence from them either. 
Im not even sure how this ended up on my credit report without my knowledge of this in the first place. 

Also I do believe a medical file being sold to a collection agency is in violation of the hippa law.
I recently contacted TransUnion customer service about dispute errors on my credit report and I mention about dispute credit inquiries that was unauthorized. I asked them to deleted but they wouldnt help me take care of negative inquiries report to my credit report.
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
My phone was stolen on XXXX XXXX. Before I remotely logged out of my phone, {$1000.00} of poker chips were fraudulently purchased using my phone. That evening, I called Google to inform them of the fraudulent purchases. I also called my credit card company ( XXXX ) to report the fraudulent charges. The charges were flagged as fraudulent and I was not required to pay for those charges. 
Google " suspended '' my Google Wallet account. They have confirmed by email and by phone that the only way Google will end the suspension is if I permit the back to reverse the " chargebacks '' ( i.e., I pay for {$1000.00} of fraudulent charges ). 
Without Google Wallet, I can not purchase additional storage from my Gmail account, risking my ability to communicate with an email address I have used for more than 10 years. I would also not be able to use an Android phone.
I reached out to equitable acceptance corporation and they let me know they could help me get me student loans consolidated and forgiven. They did not indicate I did not qualify for a forgiveness plan or tell me they were going to be charging me {$49.00} a month for a service that was not helpful. This is a deceptive practice and one that I see many other people have filed complaints for. This company is deceptive and giving wrong information by praying on people 's desire for student loan relief. I do not trust them and I want to have any contract they state I have revoked.
I paid my balance in full to ATG credit since XXXX but still they DO N'T want to remove the account in my credit report even i wrote them a letter.
I contacted Experian to dispute an entry showing a balance due on my credit report with XXXX XXXX Bank. I have settled this account through a collection agency, and I provided Experian with a copy of my receipt. However, provided me with an updated copy of my credit report which still shows that this account has an outstanding balance due, when it should reflect that it was a settled account with nothing due.
On XX/XX/2018 I applied for a Barclays US credit card in order to transfer the balance from another card. In the application I requested that {$14000.00} be transferred from an XXXX card. I was aware that I would be charged a {$290.00} fee. On XX/XX/2018 I received an email from Barclays about my newly approved card and 3 ways to take advantage of it. No statement was attached to the email. The third link said Transfer a Balance and as I was unaware that my XXXX   balance had already been transferred ( again no statement was provided ) I looked up the current balance on my XXXX card and requested the balance of {$13000.00} be transferred. When I finally got my statement I saw that Barclays had made a balance transfer 2 times leaving me with an overpayment on my XXXX card. I called Barclays customer service on XX/XX/XXXX and asked that the 2nd payment to XXXX be reversed. The agent told me that would take 2 weeks and suggested I ask XXXX to deposit the overpayment back into my XXXX checking account which I could then use to pay off the additional charge on the Barclays account. XXXX did this for me the next day. When I checked my Barclays account I saw that my payment had been received but Barclays was now charging me a second balance transfer fee of {$260.00}. When I called Barclays I was told an investigation would be open and I would receive a determination in 7-10 days. It has now been 30 days and Ive received no response. Ive called once a week and have been told the investigation is pending. No one has ever called or emailed me to investigate the case. Please note : when Barclays paid my XXXX card balance off twice they put my new Barclays card almost {$15000.00} over the limit. Why would they allow my new card to go over its limit? Why would I request a payoff of over {$29000.00} on the XXXX card when the balance was under {$14000.00}? In addition to being charged an erroneous fee of {$260.00} due to their error, Ive also been unable to use the card because its so high over the limit. Please help me - every time I call Im told Ill receive a response in 7-10 days.
My husband and I started the process of purchasing a new home in XXXX XXXX. We reside in XXXX and the new home is in XXXX. Our intent was to close by the end of XXXX to claim on our taxes for XXXX. Our loan officer made all these promises that he failed to come through on. The interest rate we were quoted and agreed upon rose considerably. He failed to contact us prior to the rise in interest rate. We were lead to believe that we were locked into the interest rate we were told. He said that he didnt lock it prior to the increase because " that could of cost us money ''. We went above and beyond to supply him with everything he requested. We paid extra for paperwork to be expidited, for appraisals to be expidited, we missed work causing loss of income. All this and we didnt close escrow until XXXX XXXX, XXXX. His lack of care, was evident during phone conversations between myself and our loan officer and my husband and our loan officer. His lack of concern for us has cost us plenty of money. We are not able to claim the cost of this purchase on our XXXX taxes. Our mortgage payment is considerably higher. We are trying to help ourselves when we retire. Our realtor is refusing to ever use this company again. He did not even apologize for his actions. He told me in a phone conversation that he just wanted it to be over with. Who says that to their client who has put their trust in them and is paying them their hard earned money? He needs to be held accountable for his actions. Nothing can be done about the late closing date but he needs to honor our original interest rate, even if it costs him. Our realtor has told us there is something he could of done for us to make this right. He has chosen not to. Thank You.