WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 I WAS REPORTED LATE - WITH DISCOVER CARD - I WAS NOT LATE - THERE SYSTEM DID NOT ALLOW ME TO PAY ONLY ONE PAYMENT METHOD BY CHECKING ACCOUNT - I DO NOT HAVE A CHECKING ACCOUNT AND THEN THEY SENT ME AN EMAIL TO SIGN UP FOR A LOWER PAYMENT AND SPREAD IT OVER 3 OR 4 MONTHS AND FIRST PAYMENT HAD TO BE MADE BY XX/XX/XXXX I TRIED TO DO THAT AND WOULD NOT ALLOW ME TO PICK THE DATE 0 THE SAME DAY I FINALLY GET A REP THEY REPORTED - THIS IS NOT VALID REPORTIING - THEY STATED THT MY CYCLE REPORTED ON XX/XX/XXXX AND I ATTEMPTED SEVERAL TIMES TO MAKE A PAYMENT THE EMAIL WAS SENT XX/XX/XXXX I TRIED TO MAKE A PAYMENT ON THAT DATE ACTUALLY THE WEEK BEFORE, SO IF THEY TRACK EVERY TIIME WE LOG INTO OUR ACCOUNTS THEY NEED TO PULL THAT INFORMATION AS WELL AS THE PHONE CALLS OF ME ASKING OTHER FORMS OF PAYMENT AND NO ONE EVERY GIVING ME ANY OTHER FORMS BESIDES. THIS N IS NOT MY FAULT I WAS NOT LATE - I WAS ABLE TO MAKE PAYMENT PRIOR TO XX/XX/XXXX AND WAS NOT ABLE TO DO TO THE SYSTEM - ERROR - I CONTACTED DISCOVER CARD THEY STATED THAT THEY CAN NOT REMOVE THE LATE UNLESS IT WAS THERE FAULT - WHEN I TRIED TO DO THIS PRIOR TO AND WASNT ABLE TO DO THE PAYMENT DUE TO SYSTEM ERROR THAT IS THERE FAULT NOT MINE - I TRIED TO FULFILL MY OBLIGATIONS - AND YET I AM BE PENALIZED FOR THERE SYSTEM ERROR, WHICH IS NOT FAIR I TRIED EVERYDAY THE WEEK OF THE XXXX - TO PUT THE INFO IN AND DID NOT TAKE IT, I WOULD LIKE ALL CALLS PULLED ON WHEN I ASKED FOR OTHER FORMS OF PAYMENTS AND WAS TOLD THAT I HAD TO SIGN ON LINE OR THEY CAN DO IT OVER THE PHONE. TODAY XXXX   THE REP - SAID OH YOU CAN MAKE A PAYMENT THRU XXXX XXXX - I HAVE NEVER BEEN LATE AT ALL ON THIS ACCOUNT SINCE I HAD IT - I HAD ONE ISSUE WITH MY PREPAID ACCOUNT AND THEY DO NOT ACCENT THAT ACCOUNT AND THAT IS IT. DISCOVER CARD CLEARLY CAN ASSIST BECAUSE IT WASNT MY FAULT WHEN I TRIED TO DO HAS THEY ASKED,. THE SUPERVISOR EXPLAIN THT HE CAN FLAG MY ACCOUNT FOR DISPUTE - THAT IS, - THIS IS DEFINITELY UNJUST AND EFFECTING ME TREMENDOUSLY. MY CREDIT SCORE AS DROPPED TREMENDOUSLY I WAS UPDATE DXX/XX/XXXX ON XXXX MEAN WHILE THAT DAY I FINALLY WAS ABLE TO GET SOME ONE, WHO DID NOT SET ME UP FOR WHAT DISCOVER CARD EMAILED ME - BUT FOR A REGULAR PAYMENT AND STTD THT IT WONT UPDATED AGAIN UNTIL AFTER THE XXXX - THIS IS A COMPLAINT THAT NEEDS TO BE LOOK UPON BECUASE IF I TRIED TO MAKE THE
XXXX XXXX for XXXX the XXXX XXXX XXXX. Advised months ago not to call me during work hours as my company will not allow me to speak with them then ( they can call after XXXX, eastern ) so instead, they looked up my previous credit information and started calling my mother 's number daily starting XX/XX/XXXX - XX/XX/XXXX ( who I have not lived with for years ) and then my husband, on XX/XX/18, neither of which is listed as a contact number or a debtor for the account. I spoke with them on XX/XX/18 and made a payment of part of the debt owed, and advised them on the call that I will contact them when I get paid again ( around the XX/XX/XXXX, ) I also asked them to not contact me again during business hours, and asked them to take my husband 's number and my mother 's number off the account, and was told my mother 's number was never on my account to call her, and they did not have another number on file. I received a " unknown '' call today during my work hours at XXXXXXXX eastern. I used to work in debt collection, I know that they can not contact a customer more than 1 time in a 5 or 7 day period in New York State, and this has been within 3 business days. They need to be able to provide the telephone number when calling, and not purposely avoid caller id features. I advised them again not to contact me during business hours on today 's call, and that I just spoke with them saturday. My mother advised me since then that she has received a call again today on XX/XX/18 from them after I advised them not to call her.
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from the dealership XXXX XXXX XXXX XXXX XXXX. I was told I only received financing from 1 company. I believed them since I knew I had credit issues and this was a new start fresh. I did not know at the time the company I received financing thru was owned by the dealership. If I had known I probably would not have gotten the car. When there is no disclosure of business relationships its hard as a consumer to make informed decisions. 
I was later been made aware that I received an offer from XXXX XXXX as well as XXXX XXXX but was never given the option of this other financing company. Since obtaining this loan I have been unable to trade it in because of a lawsuit with the car and the amker and the value has since been cut in half of what I owe.
The property is in default with Bank of America and is ready to close to pay the loan in full ( along with all late fees/attorney fees ). However, when the statement came, it includes over {$27000.00} in " property maintenance '' fees. These are nothing but " made up '' charges. Bank of America refuses to even provide a breakdown of what was supposedly done. The property NEEDS to close next week to avoid further attorney/late fees and we are having to pay {$27000.00} extra for fake repairs. They claim that their property preservation department ( XXXX XXXX ) had replaced the roof ( this was never done ). They claim that there are substantial lawn maintenance charges ( there is no lawn ). They claim there has been cleaning done ( the interior is a mess and full of junk ). They claim they secured the property with new locks ( may have been done, except the locks do n't even work ). Bank of America should not be able to " steal '' {$27000.00} of my profit from the sale because they simply feel they can.
I received a letter from the county stating we owed {$750.00} and {$67.00} in late fees for property taxes. This later is dated XX/XX/XXXX. We have until XX/XX/XXXX before we are placed on delinquent tax list. I called freedom and they said this was not paid during the closing process and they will investigate and pay any late fees. They also said this takes an average of 21 days to complete. That is too long and because of their error I will be on the delinquent tax list if it is not paid. I asked if I could pay the amount and they said they would need proof and would not cover any late fees. I have faxed information requested and now I wait and hope they fix this by the XXXX otherwise I will pay it so I do not get penalized for Freedom Mortgage 's mistake!
In XX/XX/XXXX, I was told I had a XXXX debt in collections from XXXX XXXX ( an account I had closed in XX/XX/XXXX ) that was sold to United Debt Holding. I have not received a single letter or call to collect on this debt. I made numerous attempts to call United debt holding but have not been able to reach a single person about my situation. I have continued for the last 9 months but have not made any progress. This is destroying my credit, even after making all payments and keeping my history clean.
i have a personel loan with a company based out of texas called XXXX XXXX and have had some difficulty paying the loan back .they have recently started calling my father asking him to remind me to call them. the issue is that i never gave them any of my fathers info or any family members phone numbers. how did they get this info and what a terrible thing to have your father call you XXXX out that you are in financial trouble .what can i do i have no way of paying this back right now they actully told me today they wont call him but they have ways of tracking and fishing up information on all my family and that they sudjested borrowing the money to pay them back or go to the local pawn broker and evaluate what i can look at to raise the money.
This the note I sent to the office of US Bank office. This is after being denied access by the representative ***SECOND REQUEST*** ESCALATE TO THE OFFICE OF YOUR PRESIDENT** This is my second request. Please remove a {$36.00} from my account. Also I am requesting that my call to your call center at   XXXX   XXXX  . I was treated horrible by your customer service who placed me on hold several times without any apologies and holds lasting over 5 minutes. I was then transferred to a so call manager when I purposely asked not to transfer me. To top it all off I was transferred to an answering machine not a live person. I am going to contact the media as I was made to feel like the  XXXX  passenger who was dragged through an airplane. In addition the Consumer Financial Protection Bureau will be contacted with an official complaint.
Thank y  ou  XXXX   XXXX
My son and I share a a savings account at Chase Bank. My son also has a checking at Chase. My son recently sold a car to a gentleman for {$1000.00} for which he wrote a check. The gentleman left the payee blank so my son filled in his name himself. Today my son found that his checking account and our joint savings account are frozen. No explanation was given, only that he had to get the gentleman who wrote the check to answer a call from Chase and verify that he wrote a check to my son. My son was told that if he could n't get this straightened out ( even though they will not even tell him what the problem is ), both accounts would be closed in 7 to 10 days and the funds taken. The money in the joint savings account is my money. My house payment is deducted from that account. I am beyond furious. What can be done about a bank that steals ones money?
I am behind on my mortgage due to unemployment. I called the Mortgage company to see if there was anything that I could do, any type of program that I could be involved in. The first time I applied it was turned down because I had XXXX income reported ( coming in ). I called XXXX XXXX to see if there was anything that I could do and they said : " yes '' reapply if I had a " Contributor '' that I could add on the account. They asked me if I did, then they went over preliminary questions with me on the phone. One question they asked was how much does the contributor pay towards the mortgage. I said " {$1000.00} '' a month. After I gave them all of my financial responsibilities they said yes, they had a program that they could enter me into. They sent me the paperwork to fill out, I filled in the paperwork and sent it in with, they called me back and said they needed paystubs of the contributor and from me on my new part-time job. I sent it in, then they called and said that they needed proof that the contributor resided at the address. In about a week they sent me what they call " An Affordable Mortgage '' of {$2200.00} a month. Original Mortgage was {$1800.00}. They wanted a Trial Payment of " {$2200.00} a month, for 3 months. When I called them they said that is the best that they could do. I contacted XXXX and XXXX asked them why they used 100 % of the contributors ' income when the contributor is NOT a spouse and is not on the mortgage. What I was looking for was a temporary mortgage that is affordable while I continue in my job search. I also wonder why they never said there was a program for me when I said the contributor contributes " {$1000.00} '' a month and they used 100 % of the contributor 's income when the contributor also has expenses. I am aware that I am behind, but when I reached out to Penny Mac it was for help. Currently, there is no way I can afford {$2200.00} a month. The VA contacted them also and asked if the would consider extending the term of the mortgage for a lower temporary payment and they said no.
On XXXX XXXX ' 2016 at XXXX ( PST ) I spoke via telephone with XXXX XXXX XXXX from Wells Fargo Home Mortgage, Customer Care and Recovery Group and did ask her to submit to us a ( 1 ) Payoff Statement and ( 2 ) Loan Payment History on a HELOC that we have with them. 
Up until today XXXX XXXX ' 2016 we have received nothing. 
These documents are very important to us, since we 're doing everything to our reach to avoid the foreclosure sale on our sole property. 
I 'll be XXXX years old XX/XX/XXXX and my wife will be XXXX by XX/XX/XXXX. It 's important to point out that we have been making monthly payments regularly for the last 18+ months. The main reason we did fall behind was during XX/XX/XXXX/XX/XX/XXXX while my wife was obtaining at age XXXX her XXXX Degree in XXXX and XXXX. She is well over {$100000.00} on student loans and need to be repaid ( $ XXXX+/month ). 
She is now working for XXXX XXXX helping XXXX with prevention of XXXX, XXXX, XXXX XXXX, etc. 
For us it will be a devastating blow to have to loose our only property, specially now that we can make our monthly payments regularly.
A XXXX XXXX left voice mail threating collection action for non-exsistent debt. A call back indicated debt was of a XXXX XXXX ( Sp unknown ) Call back indicated company was Direct Recovery Services.  Note we do not have any idea who this XXXX is.
I purchased new appliances ( washer, dryer, dishwasher, oven, microwave oven and stove top from Lowe 's on XX/XX/XXXX. I had to return the stove top ( XXXX '' Radiant, {$790.00} XXXX because it did not fit. Lowe 's picked up the stove top on XX/XX/2016 and I was told by Lowe 's XXXX Assistance Team ( XXXX XXXX at a credit would be applied to my Lowe 's Credit Card through XXXX. As of XX/XX/2016, no refund or credit has been applied to my account.
XXXX   XXXX   XXXX   XXXX   c ontinues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.
Of the XXXX agencies only Experian showed on my annual credit report that I owed money to a debt collector which I never did owe in the first place. Their website gave me an opportunity to dispute the findings so I did and a few days later they sent me the same credit report again with the word 'updated ' on it but the debt was still on the report. So I sent a letter to the debt collector asking them to tell Experian that I did n't owe any money. I waited a XXXX. I could not figure out how to find out if the debt had been removed by way of Experian 's website. It is impossible to conduct nonstandard business with Experian through their website. So I wrote a letter to Experian and included in the letter all the personal information that they needed to validate my identity including my social security number, a copy of my driver 's license and a copy of my electric bill. XXXX days later they sent me a letter claiming they had received a suspicious letter in the mail concerning my credit report and that in effect they would no longer conduct any business with me through the mail. That was a XXXX and a XXXX ago and I have n't heard from them again. My overall experience with Experian has been that any complaint that I make to them is just thrown back in my face by a computer. I think they are trying to sidestep my complaint either because it is an inconvenience for them to repair my report or because they hope to get money from me in return for repairing my credit report.
I have not applied fo r a Mastercard from NetSpendSmallBusiness.com, but I 've received one in the mail. I do not want the card, nor do I w ant them to mail me any additional cards. It is my understanding that sending a person an credit card that they did not apply for is illegal. There is a number on the card to " activate '' it,  XXXX   XXXX . The number also appears on the back. I called the number, not to activate it, but to complain. My only options were to activate it, or provide them with my social security number, which I was NOT going to do. I feel t  his may be a scam.
I have had trouble with the risk of identity theft,   and my credit is frozen. They should not have been able to process a card for me. I 've called  XXXX , and there have been no inquiries by this company.     These people should be held accountable for breaking the law.     My name is  XXXX   XXXX . My telephone number i s (   XXXX   )   XXXX .
I have paid an account that was closed due to over draft, have a receipt but it wo n't come off my credit report
In XX/XX/XXXX, my then XXXX son was XXXX. I called the police and they made the decision to take my son to XXXX XXXX here in XXXX, Colorado. I was instructed to follow the police to the hospital. I had my son 's insurance card with his father 's information listed on the card and in the XXXX XXXX data base. I checked my son into the ER ward and gave all of the responsible party information along with the XXXX XXXX XXXX health insurance card to the admittance department. 

Some weeks went by when I got a bill from XXXX XXXX for approximately {$3000.00}. No itemization, and no way for me to contact the insurance carrier about what they paid for since I was not the insurance provider -- my son 's father was and still is. The insurance carrier refused to communicate with me for obvious reasons. It 's not my insurance. I have never had any idea what the full amount of my son 's night stay at the hospital was. 

( By way of a court order, my son 's father had to maintain health insurance and was solely responsible for all medical expenses -- until the age of majority. That court order was entered into and signed by a XXXX District County judge in XX/XX/XXXX. With no subsequent modifications since the original separation agreement was contractual in nature. ) XXXX XXXX refused to allow me to send them a copy of our separation agreement -- stating they would not acknowledge receipt of any documentation from me. They also refused to contact my son 's father -- the insurance provider -- even though at the time of admitting my son I gave them all of his father 's contact information. The insurance carrier, XXXX XXXX XXXX, never sent any statement/bill to me or my son 's father. Nothing. Just a " pay up or else '' from XXXX XXXX. 

I did send them a copy of the separation agreement and all contact information for my son 's father. His full name, address, social security number and DOB. I fought with the hospital for the entire summer. 

XXXX then sent the account to BC Services , Inc. -- a medical collection company. They also refused to allow me to submit any documentation to demonstrate that I was not the responsible party. They stated that because I was at the hospital and provided a medical insurance card, I 'm the responsible party. 

Under the circumstances -- with my son 's severe emotional issues -- I was under extreme duress. I believe I was taken advantage of. Since my son 's father is a well-known local attorney, I do n't think XXXX XXXX or BC Services , Inc. wanted to deal with him. 

I have been battling this debt for over three years. BC Services , Inc, does not have my social security number or my DOB. XXXX XXXX does have my former husband 's information -- it 's listed on his insurance card and with XXXX XXXX XXXX. 

I have experienced being turned down for credit as a result of this large medical collection. I 've also been charged higher interest rates when credit has been extended to me for necessities such as a car loan. I have lived in fear that a judgment will be obtained and my wages will be garnished ; that I will experience a process server at my home or place of employment.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX5 Re : XXXX XXXX XXXX partial account # XXXX  ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX   is three years. Based on the information reported to all three credit bureaus this account was open on XX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXXfurther more confirming the statute of limitation in XXXX XXXX of three years. A copy of credit report is attached.

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.

XXXX XXXX
XXXX XXXX, CLARITY, XXXX ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.
I have an account with Coinbase and have XXXX Bitcoin in my wallet ( {$2300.00} approx ). On XX/XX/XXXX, XXXX Litecoins ( {$3500.00} USD ) were purchased without my knowledge or authorization. 

I contacted Coinbase customer support and they opened a case ( # XXXX ). They told me to change my password and then temporarily disabled my account so I have not been able to access my funds or verify the {$3500.00} purchase. The funds have been debited from my bank account. 

On XX/XX/XXXX, customer support sent an email -- they determined the purchase was made on my mobile device. Since, I 've removed the Coinbase app from my mobile device and changed all passwords. 

On XX/XX/XXXX I contacted customer support to unlock my account but they said it required an " analyst '' but had not been assigned yet. ( This does n't make sense since they determined the purchase was made on my mobile device and they had the IP address. ) To date, I 've received no communications ( phone or email ). I do not have access to my funds which now exceed {$7000.00}. I try to contact customer support but the wait time is over 30 minutes. Most times the line is cut after getting a customer support person on the line. 

I 'm very concerned that the price of Bitcoin and Litecoin may drop suddenly given the volatility and would like to cash out ASAP.
I was never late in paying my SpringLeaf account. The account was autopay set up through Springleaf and that had been the mode of payment for years. I have paid it off in XXXX. Springleaf purchased my account off beneficial and continued to get payment through autopay. I do n't know how they can justify destroying my credit by stating that I was late on XXXX of XXXX for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus! When I called springleaf they refused to take this erroneous mark off my credit. That card has been dormant for several years. Their behavior is not in good faith and I dispute the late report to the credit bureau. Please investigate and remove the late payment from XXXX XXXX off my credit report.
North Shore Agency , LLC, still has not submitted the proof of payment, I sent to them from my bank, XXXX XXXX XXXX for the payment of {$270.00}, I supposedly owe to the original creditor, XXXX XXXX. Review Consumer Financial Protection Bureau Complaint : XXXX.
On or about XX/XX/2018 my credit report from Trans Union showed the incorrect information that I have a late payment account and a collection account with the amount of {$1300.00} from XXXX XXXX XXXX which is the debt I do not owe. 
I disputed and Trans Union refused to delete the incorrect information on my credit report.