WillisBack/dataset-financial-user-claim huggingface dataset:
I have not made Inquiries at all, i have a list of them showing on my credit report. I called Experian to remove them and they said they could not do it, i told them they were done without my permission, they did not have any authorization to do so, i was not even notified when they were done, i have also called the inquiry accounts asking them for information on what signature was this Authorized and they ca n't even provide me will information, i ask that you please look into it and get them removed. Thank you here are is the list ... 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Creditors ordered a judgement on me, and I have not even received from this creditor that they were put a lawsuit against me. I found out when I noticed I have no money in both my checking and savings. The monetary amounts in my checking and savings are from unemployment benefits, which is exempt. I have proof of the dates and amounts of how my benefits. I exhausted my benefits at the end of XXXX, so for XXXX weeks, I had no income coming in. As rough as this economy is, I barely found a job 5 days ago. After my XXXX day of employment ( which I have not been paid yet since I just started working there XXXX The creditors took all my checking and savings. I have no idea who they are and how much I owe, if I did I would have made an instalment plan with them. I want to file a complaint with them. They have taken out unemployment benefits from my checking and savings. They did not inform me of a lawsuit being made against me.
To Who It May Concern, I recently received a collection letter from a collection agency dated XX/XX/XXXX. After receiving this letter, I called its office to discuss it and was told by its representative that the debt : ( 1 ) was owned by XXXX ; ( 2 ) it was for some sort of test ; and ( 3 ) that I owed {$24.00}. During that phone call, I requested a validation of the debt because I did not recognize the debt and had not received a previous bill from anyone, including XXXX. The agency indicated that it would validate the debt and mail the supporting documents to me. It also gave me a customer service number to contact XXXX XXXX XXXX XXXX in case I had any other questions. 

I called XXXX. They indicated that the bill was for services performed in XX/XX/XXXX. XXXX also indicated that it sent bills for these services to the following incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX. Finally, in direct contradiction to what the collection agency representative told me on the phone, XXXX told me that it no longer owned the debt because it had sold the debt sometime last year. Despite the collection agency representative indicating that XXXX owned the debt and could provide any help that I needed, XXXX told me that it could not help me and could not provide any details on the debt because CCS owned the debt. 

Before I proceeded with any other action, I waited for the collection agency to send documents validating the debt. I recently received that validation letter. After reviewing this letter, it is clear that it is legally insufficient pursuant to the Fair Debt Collection Practices Act ( " FDCPA '' ). The office has not actually validated the debt and did not send any documents substantiating : ( 1 ) that I owe the debt, ( 2 ) the amount of the alleged debt ; ( 3 ) that it has the right to collect on the debt ; or ( 4 ) who the current creditor is. 

The agency 's validation reads in its entirety : " In accordance with your validation request, we contacted your creditor and confirmed the following placement data is correct : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. '' It did not include any documents or substantiating information other than this " take our word for it '' statement. 

If the agency had validated the debt, it would realize that I did not live at XXXX XXXX XXXX, XXXX XXXX XXXX in XX/XX/XXXX. I never received a bill or statement for this debt. I lived at another address and had lived there for nearly two years. Since then, I have lived in XXXX since XX/XX/XXXX. In other words, it 's trying to collect on a debt that I never knew about and for which I never received a bill. This debt may be some sort of identity mix-up or accounting error for all I know. The agency should have also realized that its representative was giving out misleading, deceptive, incomplete, and incorrect information regarding the character and ownership of the debt. 

Additionally, in addition to the above FDCPA concerns, I am concerned that the collection agency is incorrectly reporting to the various credit bureaus in violation of the Fair Credit Reporting Act ( " FCRA '' ).
On XXXX XXXX, 2016, I submitted a formal cancellation notice to XXXX XXXX XXXX XXXX, a massage therapy company which operates in multiple States across the US. The arrangement is that customers sign up and pay a monthly fee of {$59.00}. The contract that I entered into was a " month-to-month '' agreement, which was subject to cancellation by the customer with 30 days written notice, which I submitted, at the direct instruction of the Company on XXXX/XXXX/2016. However, XXXX XXXX XXXX refused to cease the monthly billing to my XXXX XXXX credit card. With the assistance of XXXX ( I reported this practice as fraudulent to XXXX ), I was able to have XXXX XXXX XXXX removed as an authorized creditor with charging rights to my XXXX credit card account.
Beginning about six months ago, I began to receive progressively more aggressive phone messages from XXXX XXXX XXXX demanding payment of {$230.00}. Three months ago, XXXX XXXX XXXX turned this matter over to their collection company, Transworld Systems , Inc., which has been hassling me regularly via mail since that time.
A debt collection agency disclosed the amount of my debt and who the debt was owed to to my parents. They called their number which is a landline at an address I have never lived at and disclosed the information to my mother.
My mortgage is through Stonegate Mortgage Corporation. It has been for two years. For XX/XX/2016 I did not receive my payment coupon to make my payment. Knowing it was due, I used a statement from XX/XX/XXXX to obtain a mailing address for payments so I could mail my payment on time. The payment was mailed on XXXX/XXXX/16, before the late payment date of XXXX/XXXX/16. On XXXX XXXX, 2016 I noted in my bank account that the payment had not cleared. I contacted Stonegate to inquire and they informed me that they had a new payment PO Box as of XXXX XXXX and sent me a letter on XXXX XXXX with the change of address with my coupon. However, I did not receive that mailing. With a check # XXXX now lost in the mail I asked the representative at XXXX to waive my late fee of {$40.00} so I could pay with check by phone and that I would go to my bank, XXXX the next day and stop payment on check # XXXX that was now lost. They refused to waive the late fee and offered to waive the payment by check fee. I stated I would first go to the bank and check on the stop payment fee before proceeding with check by phone. When I went to my bank on XXXX XXXX, 2016 I was charged a fee of {$33.00} to place a stop payment on my check. I then called Stonegate again and initiated a payment by phone but again asked to have them waive the late fee of {$40.00} and they refused. They are not taking any responsibility that I never received their change of address letter that they claim was sent to me on XXXX XXXX. For resolution I want the {$40.00} late fee waived, Stonegate to reimburse me the {$33.00} stop payment fee, and my credit report to not have a negative report due to a mail error.
I recently received a copy of my credit report and noticed fraudulent accounts listed on my credit report. I am a victim of identity fraud and my information was obtained to open fraudulent accounts. I request this fraudulent information be blocked immediately.
XXXX & I fell into financial hardship when XXXX lost her job in XXXX. We filed bankruptcy, chapter XXXX in XXXX of XXXX and were discharged in XXXX of XXXX. During this time with XXXX children we could not afford the payment to the trustee [ {$600.00} per month ] and our mortgage. I missed approx. XXXX mortgage payments, however, foreclosure proceeding did not begin or occur at anytime since we were protected by the " automatic stay '' of the bankruptcy law. 

In XXXX of XXXX, Wells Fargo Mortgage approved us for a remodification under the new federal law for FHA loans however charged us exorbitantly high capitalized interest ( noted as " New Money '' on page XXXX ) in the amount of {$46000.00}. To be honest, we were both naively under the impression that our principal balance we remain at {$240000.00}, as it was before our filing of Chapter XXXX in XXXX. 

Since we have XXXX children, keeping our house was most important to us so we accepted the remodification and signed the documents at our local Wells Fargo Branch. We did not know we would get hit this hard in delinquent interest, other unknown fees, and feel Wells gouged us placing us well underwater on our loan. 

We also both feel we should have been offered a better finance rate than 4.25 %. If the " New Money ( Cap ) '' was lower and so was the annual rate this could be potential difference of {$100.00} - {$200.00} per month. Which is a big deal to a family of XXXX in XXXX. 

Thanks you in advance for any help you can provide in this matter. 

Sincerely, XXXX and XXXX XXXX
I had my loans consolidated in XX/XX/XXXXwith XXXX when my son graduated college. I also enrolled in a 10 year Debt Forgiveness program because I was XXXX. After 2 years, I was nearing retirement age, but figured I had another 8 years to work because of the loan. At that time I owed roughly XXXX. While talking to a couple of XXXX representatives at two different times, they assured me that my payment would reflect my retirement benefits income which was significant less than what I was making. I was excited because that would afford me the opportunity to retire when I wanted to. Right before I retired, I called them one more time to make sure this was a possibility and I was told it was by another representative, so I pulled the trigger and retired. I sent in the appropriate paperwork to XXXX for an IRB. @ weeks later I received the amount I was supposed to pay each month, and it was significantly higher than what I had been paying. I was sick XXXX. I contacted them and they said I was not eligible for such a program because I had Parent Plus Loans. I retired XX/XX/XXXX and have not been able to make the payment but only a hand full of times. Navient talked me into a forbearance, not realizing and them not telling me that the interest would accrue, my loan is now XXXX. I have been misled so many time by these folks that there is no way I can ever pay off his loan and I struggle every month and it has me XXXX to the max. I pay my debts and always have, but I can not afford to pay this XXXX because of several XXXX/Navient misrepresentations. I tried to work with these folks many times on the phone, but they always mislead me and send me paperwork that actually raises my debt monthly payment. Can you please help me, I want to be able to enjoy my retirement for a change. I spent 33 years as a XXXX. Thank you, XXXX
On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against Enhanced Recovery LLC because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. 

I discovered on my birthday XX/XX/XXXX that a company by the name of XXXX has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! 

I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! 

XXXX Account Number XXXX XXXX
I applied in XXXX for a XXXX discharge from XXXX ; I was approved in XX/XX/XXXX. Kentucky Higher Education Assistance Authority, received my loans from XXXX, who in turn received them from XXXX XXXX. XXXX has sent Kentucky Higher Education Assistance Authority, two letters requesting that they update the XXXX XXXX XXXX XXXX, as to the status and amounts of my loan ; they refused to send the information. I have contacted Kentucky for the last two weeks letting them know my information has changed and asking them to update the database. I found the attached letter, showing Kentucky contacted me in XX/XX/XXXX and XX/XX/XXXX, about the same loans in question. But when I contacted them today ( XX/XX/XXXX ) and yesterday, I was told they no longer have my loans, and the loans were transferred to XXXX XXXX XXXX in XX/XX/XXXX. How could they be transferred in XX/XX/XXXX, when they contacted me about the defaulted loans in XX/XX/XXXX?  Kentucky did change my information, as the letter shows but they are refusing to update the database under my old social security number ( XXXX ) and my new one ( XXXX ). I sent them the court papers, divorce papers, new driver 's license, and social security card, but they refuse to update the database under both socials ; they said legal department and supervisor told them they did not have to, since my loan has not been with them since XX/XX/XXXX. But that is not true, since the letter proves they contacted me in XX/XX/XXXX about the default loans. Kentucky is the last company, that XXXX need to get the loans from, so they can discharge my loans ; Kentucky is preventing my loans from being discharged. And if my loans are not discharged, they will come back on me and I am a XXXX Veteran who can not pay these loans. Kentucky is deliberately not updating the NSLD system to keep my loans from being discharged! They are being very difficult!! Kentucky 's representative told me the loans were consolidated in XX/XX/XXXX by XXXX XXXX XXXX, and I contacted them and they are trying to find the loans. But they have nothing to do with Kentucky updating the database to show who the loans were transferred to ; they need to show the status of the loans with them - that they no longer have them and show what happened to them. But they are refusing!
I pay more than {$3000.00} per year for health insurance through Medicare and XXXX but XXXX XXXX Medical Center has never billed my insurance for an amount of {$3300.00} due to ER care. Further they tell me that the Insurance company representing the party that rear ended me has already settled with me but they have not bothered to document that claim. I am represented by an attorney and the claim is pending so the debt is legally that of the Insurance company for the other party. The visit to the ER is billed out in XXXX parts-one for the use of equipment and XXXX for the medical treatment. XXXX XXXX XXXX provided treatment, billed my insurance and has been paid. At the present time XXXX XXXX Medical Center has placed their account for collection and I have been reported to XXXX and XXXX. In my opinion, XXXX XXXX has denied due process ( filing with my personal insurors ), has unfairly damaged my credit rating which dropped XXXX points because of this reporting, is ignoring Medicare provisions for special payments to medical facilities in cases where the insurance payments are delayed in processing, and are engaging in a form of black mail to effect payment from me that I am not responsible for. I contacted the billing department at XXXX XXXX on XXXX XXXX, 2016 with full documentation of everything above but have not received any information back from them. I should not have to pay for someone hitting me from the rear when I was stopped at a traffic light. This debt is not mine.
Hello, I 'm writing about issues im having with private loans serviced by AES. I have a college degree but unfortunately do to changes in qualifications for careers using my degree ( making it more specific ) I unable to find legitimate work in my field without further schooling, which I ca n't afford. Due to this, I 've been at lower paying jobs that barely account for my living expenses let a lone student loan payments, and more currently I find myself XXXX due to a job falling through. I contacted AES about options to bring me current and lowering my payments to something I can afford but they refused saying I had already used all my options. It makes me so mad, I am willing to pay what I can every month but it does n't matter to them and now XXXX of the XXXX loans of mine they service ( the XXXX cheapest I pay religiously on auto debit ) are slowly creeping towards default and I ca n't do anything about it unless I put my family 's and my own well being at risk. And they do n't care, Unwilling to consider people 's situations and work with them, and fail to offer any real guidence.
My work transferred me from XXXX to XXXX XX/XX/XXXX. Back in XX/XX/XXXX we knew we were not going to have enough to make the mortgage payment and rent plus all the utilities associated with the properties. We went to Wells Fargo and was asking for help before the loan was 30 days past due. They said that they could not do a forebeance on the loan and the only XXXX options was a repayment plan for when we did miss the payment or a loan remodification which may not work because we were selling the house. So we entered into the repayment program in XXXX and they did not fully explain how it worked or that for those four months that we were on it it would continue to count late on our credit report. I even have a letter that makes it seem like it would not. Our last payment on that plan was in XXXX and even that month was reported late on our report. It just amaz d me and my husband that there was no help offered to us till we were late. Any help would be appreciated
I have loan from greentree services, for the last few years I have tried to get a modification from them. They repeatedly have made it impossible for this to happen. My spouse died in XX/XX/XXXX in XX/XX/XXXX I became XXXX through work. I have tried over and over to refinanced or modify my loan. They always would lose paperwork, and have me jump hoops to re- submitI always have a new person working on the loan, and again, always turning paperwork to no avail papers. I have done this for years, with no help from them.Please help
On Thursday we sent {$8000.00} by Western Union to XXXX from our local XXXX grocery store. They said it was no problem. Western Union on Friday said it was over their limit and canceled the transaction. The big issue is that XXXX ca n't pay back the {$8000.00} because their payout limit is only {$4500.00}. We went to XXXX locations and called on XXXX others and still can not locate anyone who can pay back our {$8000.00}. This is now Saturday and we have made XXXX calls to Western Union, all we get is constant transfers and every time we need to re-explain what is going on. Every time they look up the same locals we have already visited or called. It seems we are going to have to hire an attorney to get our money back. How can you let companies operate like this. They should not be allowed to accept more than they can pay out. They get cancelations all the time and should not be allowed the accept a money transfer greater than the amount the location can pay back. Another issue is that the stores, western union agents, do n't know how much each country can receive. The max limits should be posted and easily identified and the store agents should also be responsible for knowing these or for looking them up on transactions over {$1000.00}. At this point it appears we will need to go to an attorney to get our money back but the agents should have a policy of not takin g in more than they can get back.
In the process of purchasing a home my credit report was pulled. To my surprise I had a late reported to my credit by XXXX XXXX for the month of XXXX. I obtained an Auto loan with XXXX XXXX in XX/XX/XXXX. For over 40 months I have made payments on time within a 30day period. On XX/XX/XXXX I called in to make my regular payment OF {$1200.00} to XXXX XXXX, with 5 days remaining in the month. After speaking with their customer service and loan department, I was informed that there was nothing they could do to reverse the late that they reported on my credit. They confirmed that I did call in on XX/XX/XXXX but they out source the processing of their payments to a company called XXXX which post the payments within 2 business days from which they were made. In my situation they did not post until the 4th business day which was the XX/XX/XXXX, causing me to have a 30 day late on my credit. This is definitely unfair trade practices. I had NO knowledge of their outsourcing and I should not have to suffer from a 30 day late when in fact the payment was made well within that time frame. I am in the process of purchasing a home and this has greatly affected my ability to qualify for a home loan.
I opened an account with Citibank. The terms of the promotion were Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds  into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. I opened the account end of XX/XX/XXXXand deposited the funds on XX/XX/XXXX. I met the requirements by XX/XX/XXXX. The 90 day requirement finshed on XX/XX/XXXX. I contacted the bank and they opened a case. But not update afterwards.
Extremely rude and calling constantly asking me 30 times my name and trying to get info from me
PNC Bank charged {$140.00} in overdraft fees, claiming XXXX transactions resulted in separate overdrafts of my account. I believe they manipulated the order of transactions in order to maximize the fees that could be charged. As the attached screenshot shows, they processed higher transactions first, which resulted in each small transaction ( each less than {$8.00} ) resulted in a separate {$36.00} overdraft fee.