WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I took a taxi ride outside port authority bus terminal in XXXX, to XXXX XXXX Train station in NJ, the cab driver threatened to leave me stranded if I didn't provide payment up front. He pulled over after crossing the NJ turnpike toll close to the Medowlands, he demanded my credit card upfront for payment, ( first my XXXX XXXX ) he swiped it 2 times, one for {$700.00} which was denied for fraudulent activity, and then he swiped it again for {$870.00} which did go through, he lied and said it didn't go through and then demanded my other credit card in which he charged another {$540.00} ( including a {$90.00} tip to himself on my Capital One card and he also forged a signature that barely looks like a scribble. I have a copy of the receipt pull of the XXXX website, where there is a copy and clear proof of this, both transactions were made by different card readers, I never swiped the card myself, and neither did he give me a number or a receipt, again this was all swiped during the trip not after, and he did not meter the drive. I had XXXX on the phone while he was still driving me and he was harassing me the entire ride, I made sure the XXXX rep heard everything the driver was telling me. The rep was kind enough to stay on the phone with me for about 1 hr, because of the unsafe situation.
This actually is in reference to my previous complaint XXXX but apparently you do n't have a way to send additional comments on a complaint. I had n't received a status since last XXXX. Once I submitted to you the documentation that I had already rehabilitated my loan around 2003, XXXX apparently sold my loan & stopped garnishment, I 'm guessing because they were caught in a lie? However, they sold the loan to Van Ru Corporation & now they are threatening garnishment. I have paid twice the principal on this loan, and would now be eligible for forgiveness since I work for a public agency if XXXX had originally negotiated an affordable payment with me in 2003 as they were required to by law.
I do n't understand why other loans with a due date are paid early the due date advances to the next month because I paid the payment before the due date yes it 's early but it was paid and advances the due date. I personally think it 's unfair that a financial institution essentially force you to carry a loan it 's entire term, or make " extra payments '' that do n't count towards the monthly payment. I 'm just trying to save some interest but can not believe a lender is ok with opporating this way, and allowed to.
National credit syst ems ( company who called ) sp oke to a third party about my debt owed to a previous landlord. Call occurred Friday,  XXXX   XXXX ,  2017 . Third party answered the phone,  NCS asked for me, third party asked what the call was in reference to, and NCS stated the reason for the call was an attempt to collect a debt on behalf of [ landlord 's name ]. The third party asked for the company name again to tell me so I could report it and the girl from NCS scr ambled after hearing the plan to report it and said " well I thought you were saying that you were [ my name ] '' and ended up hanging up in a panic
Metro collections has contacted me at my place of work at XXXX and my employer about my debt.
My information was stole and as a result this XXXX XXXX XXXX  account was opened in my name. I haven spoken to XXXX XXXX XXXX XXXX and they have explained that this information should not be on my report as it is fraudulent.
Experian 's website claims you can temporarily lift a security freeze either by phone or online. I have a pin, yet when I tried to lift the freeze online I was sent to a page that told me I had to do it by mail. When I called the number that was provided to lift a freeze, I was told I had to do it by mail. I have a small window that I need this freeze removed and doing this by mail will not work for me. I'm trying to be pro-active in protecting my identity, yet this company is making it impossible for me to be in charge of my own information. There is no phone number to be able to call to speak to someone in person.
On XX/XX/XXXX at XXXX XXXX I finally took a call from an unknown number who has repeatedly called my phone and would never leave a voicemail when my phone was unattended. When I answered, they told me that they were XXXX XXXX XXXX who has NO CONTRACT the debt apparently was sold to them from another collection agency who held the debt previously and they informed me they wanted me to pay the debt. I asked them to send me an invoice. They said they must first have my email address. I refused. They kept insisting then they put a supervisor on who sounded like the same man. And told me if I did not provide an email address they would provide me a mailed copy of an invoice. So I hung up.
The debt collector called me saying that I was going to be served either at work or at home for a debt that was closed on in   XXXX  . He had my social security number and my address. He had correct information on the old debt and said that I could pay it or have a judgement filed against me. He offered me a deal where I would only have to pay 30 % of the debt if I agreed to pay it over a 6 month period. He also said If I paid right then he would reduce the debt from {$4100.00} down to {$750.00}. I gave him my devit card information and he processed half of the  XXXX  right then and said he was going to process the other half on  XXXX   XXXX . I believe this was a scam and need to verify.
In XXXX 2014, I requested a line increase to my Bank of America credit card form {$5000.00} to {$6000.00}. Just this week, I applies for a loan and my credit score was extremely low. On my report it shows that my Bank of America credit card showed that I was over my limit and had been for the almost one year. I contact Bank of America and they say that I was never approved for the {$6000.00} increase however, they let me go over my credit card limit and allowed the purchases up to the {$6000.00}.
I have disputed an alleged outstanding debt that is held by Bancorp South on several occasions, per my rights as stated by the FCRA. Bancorp South has failed to provide me with support for the debt that they allege that I owe, including a calculation of my balance from the origination of the said debt to the present time. Instead of providing me with this documentation, they have harassed myself, my family members, etc. They have called us pretending to be the US Postal Service, etc in order to obtain or address. They have also filed a civil suit to collect the debt, rather than provide us with proof of the debt.
I received notification from Rockford Mercantile Agency in  XXXX, IL in XX/XX/XXXX stating I owed {$150.00} to my former leasing company. However, this debt was paid off in XXXX. I called Rockford Mercantile and spoke with someone name XXXX, before the 30 day time frame was up, and they said I could send them a receipt to their email. I sent the receipt and never got a response that they received it. On XX/XX/XXXX, the collection was reported to my credit. On XX/XX/XXXX, I sent a letter offering to pay a settlement to get this removed from my score. I have yet to receive a response, however, they re-reported the debt on XX/XX/XXXX.
On XXXX/XXXX/2017 I made a purchase for {$490.00} but only paid {$200.00} up front. The {$290.00} were going to get placed onto my credit card within 7 days. I contacted Capital One to dispute a purchase I made XXXX/XXXX/2017 in the amount is {$200.00} on my credit card account after attending a seminar that was held at the XXXX XXXX in XXXX La. Me and my husband discussed we did n't want the services we paid for and decided to cancel the transaction. I tried contacting the company XXXX several times the same night and following day and could not reach them by phone. I emailed the company and did n't receive a response. I disputed the charge through Capital One because I had up until 3 days to cancel the order according to the agreement. XXXX XXXX granted the request and deducted the {$200.00} payment from my account. The company XXXX contacted me on XXXX XXXX, 2017 by email stating they were refunding my {$200.00} back into my account. XXXX XXXX, 2017, Capital One sent a letter to me in reference to XXXX reimbursed me for {$200.00}. And because I received a payment from Capital One and XXXX I was reimbursed {$200.00} from both companies. And capital one decided to reverse the {$200.00} transaction back into my account. At this point everything should have been taken care of concerning this transaction. I called capital One and asked them to remove my email from their marketing list. They removed my email address. On XXXX/XXXX/2017, I received an email again stating my credit card account had a freeze on it because an issue with the XXXX transaction that was made on XXXX/XXXX/2017. This transaction should have been settled a long time ago. I feel there is a privacy issue taking place. Every time I call capital one I 'm put on hold and this problem has not been solved. I have all the documents to back up my statement.
I have a Capital one credit card and Capital one 360 account. I use the 360 account to pay my balance down by {$200.00}. They show payment accepted. Then 2 week later I get email sorry your bank declined payment and sending money back. So I paid again another 2 weeks went by they did it again. I called bank they said no problem their end. Call credit card it bank fault. They both capital one best part they trying flag my account for late payments.
Credit inquiry XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I try explain to them these inquiry were done without my permission
XXXX is not allowing me access to my once a year free credit score that XXXX passed a law in XXXX stating that we are allowed XXXX free credit report and score each year by law. XXXX nor Transunion, nor XXXX are allowing this to occur. I guess paying XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the XXXX people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the XXXX people do the right thing and make a change.
I have XXXX of the exact same debts reporting on my credit report. Same account, Same amount owed, same debt agency, same date of service, same account number, etc. I did an online dispute and they came back verified, however they are the exact same debt and should not be on my credit report twice. You can see in the attachment that they are the exact same debts and they were " verified '' although they should not both be on my credit report.
Missing Funds. Funds that were requested to be transferred were lost by Capital One 360 Bank ( routing number:XXXX ) I initiated an online transfer of funds from Capital One 360 Bank ( from the XXXX Bank XXXX ) to XXXX Bank XXXX XXXX XXXX, 2016. On XXXX XXXX, 2016, the XXXX Bank online transfer details indicated that the complete date of this transfer was XXXX XXXX. Also on XXXX XXXX, Capital One 360 Bank records indicated that the requested amount was withdrawn by XXXX Bank. On the weekend of XXXX XXXX or XXXX, I closed the Capital One 360 Account believing the XXXX Bank statement that they received the Capital One 360 funds. On XXXX XXXX, XXXX Bank Online History indicated a reverse ACH deposit from Capital One 360 Bank. Also, on XXXX XXXX, XXXX., I received an email from Capital One 360 Bank stating that Capital One 360 was unable to complete the transfer request from XXXX Bank ( " Your withdrawal was n't processed Dear XXXX We were unable to complete the request from XXXX Bank to withdraw money ''. ). 

According to conference calls among Capital One 360, XXXX Bank and myself on XXXX XXXX and XXXX XXXX, 2016, Capital One 360 stated that they rejected the returned funds from XXXX Bank and resent the funds to XXXX Bank. ( Trace number is XXXX sent on XXXX XXXX XXXX, XXXX XXXX. ) XXXX Bank reported again on XXXX XXXX, that the aforementioned trace number indicates merely that the Capital One 360 account was closed and no money transfer was associated with this trace number. 

The funds have not been shown to be in both Capital One 360 Bank and XXXX Bank since XXXX XXXX, 2016. 

We are imploring this agency to push Capital One 360 and XXXX Bank to retrieve our funds and deposit them since our numerous conference calls beginning on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to XXXX Bank and Capital One Bank have not yielded any meaningful results.
I get between 4 and 9 calls a day from kohl 's dept store..now their caller id went from kohl 's to XXXX. ..they call from XXXX to all hrs of the evening. ... I am having serious financial problems and am in forclosure..I am doing my best to pay my bills and the constant phone calls cause alot of stress
XXXX   XXXX  University has taken last year and this year state tax refund of  XXXX  and  XXXX  for paying amount of  $ 1,000.00+. B ecause I called them couple of years ago to let them know that I can pay them at least {$50.00} a month. But they brought me to collections in which I wrote them a letter explaining my situation. And then I did not hear from the collections people at all. And then I received a notice that my state refund went to  XXXX   XXXX  University. I did not receive any notice or letter from  XXXX   XXXX  University that they were going to take money from me!!   Also I was charged an extra fee for collections services!! That is why I have to pay over {$1000.00} for the amount!! I have spoken to  XXXX   XXXX  University about taking my {$600.00} refund this year and they sent me by ema il 5 lette rs that I did not receive. What happen to collections helping with paying the amount? How much do I still owe  XXXX   XXXX  University?
Wellsfargo fail to honor a previous modification agreement. I requested Wells Fargo Home Mortgage to process my application for the HARP Program because I am unable to meet my current mortgage terms obligations. I am a former XXXX that was release recently from XXXX and was XXXX as a result of military XXXX in XXXX. The only income I have is from my XXXX compensation from the Veterans Administration. Wellsfargo Home Mortgage is delaying the process and claiming they never documents they need in order to complete my application. I have sent the documents in question on several occasions, still they claiming they never received the information. They are still using this delay and deception to foreclose on XXXX and Veterans I can never get anyone to return my calls an/ or address my many letters regarding a response. They are deceptive in apply their on process and procedures and phone conversation are misleading and deceptive in practice.
I returned the equipment as requested by XXXX and the collection amount remains the same. XXXX states that they never received the equipment. However I kept a receipt from their receiving center ( XXXX contracted XXXX to receive equipment on their behalf ) where the equipment was delivered. They also can not provide a detailed bill stating why it is {$1200.00}. Most of which I am sure were not authorized by myself. Charging me for services that I did not authorize does n't make sense nor is right.
I settled an account with XXXX and they are reporting late payments after settlement negotiation and received payment. I have directly called and faxed XXXX and they are stating information is correct. I attempted to contact them multiple other times to keep disputing with all XXXX credit reporting agencies. This company can not report late payments on a settled paid account!!!! Primarily reporting wrong information to Equifax.
I 'm being misled by my student loan servicer. They 're named Nelnet. Here 's how Nelnet misleads people : 1. You make payments online - in my case I 've made four payments online over the past three months.

2. You get an email confirming your payment - The emails literally say " Thank you for your payment. '' They show the payment amount, payment date, even the routing number and account number. I got these confirmations every time. All information listed was correct in each case. I know because I checked with my bank and with Nelnet. 

3. This confirmation email is meaningless and misleading because you get them even if your payment is n't processed - For reasons neither Nelnet or my bank could explain, none of the payments were processed. 

4. No follow-up email is sent to alert borrowers that their payment was not successfully processed - again, incredibly concerning and misleading. 

5. Meanwhile, interest on your loan keeps piling up even though you think you 're paying off your loan - Nelnet benefits at the figurative and literal expense of borrowers like me trying to do the right thing. 

6. When I realized what was happening, I immediately made Nelnet aware. I asked for the interest to be waived. Nelnet refused saying that it was " impossible. '' To recap : I paid my student loan payments to Nelnet online. They sent me confirmation emails that said " Thank you for your payment. '' Yet they never received such payments. And they never told me that my payments had not been processed. Meanwhile, interest accrued.
XXXX XXXX Bank XXXX original creditor XXXX and XXXX XXXX balance has been paid in full and satisfied as of XXXX/XXXX/XXXX. This matter has been resolved out of court.
I purchased a total of XXXX gift cards with a value of {$490.00} on each card + {$4.00} fee each at XXXX XXXX. The XXXX cards were split between XXXX transactions of XXXX cards each, including fees each transaction was {$2900.00} XXXX XXXX * XXXX + XXXX ). My XXXX transaction of XXXX cards, all XXXX cards showed as not activated. XXXX did a refund of the XXXX cards ( - {$2900.00} ) that did not activate and did a repurchase of XXXX cards for {$2900.00} on a XXXX transaction since the XXXX transaction all cards showed as not activated. Technically XXXX cards at {$490.00} each were purchased ( though charged for XXXX see receipts ) with XXXX being returned, leaving XXXX cards that I should have active with funds on them. I 've sent my receipts from XXXX XXXX, including the electronic sales journal that XXXX ( the store manager ) of XXXX XXXX provided to support what happened. InComm says XXXX cards were used at the United States Post Office, which I did. XXXX cards {$2900.00} ( $ XXXX + $ XXXX ) are unaccounted for per the receipts I 'm providing that shows I was charged for XXXX cards at {$2900.00} x XXXX = {$8900.00}. Per the receipts, where is the missing XXXX cards/funds? I would like my funds for the missing XXXX cards ( not activated ) refunded to me in the amount of {$2900.00}.
I was contacted today to collect a debt and when I asked to verify the debt in writing the person refused and I was told that they had my social security number and they know where I live and where I work and that if I didnt take care of it now they were going to take care of it, one way or another. They also mentioned my sons full name.
FMR, Forward Movement Recovery, has used an automated dialer to call my personal cell phone repeatedly for the past week leaving messages for someone who is not me and who I do not know. 

I have now taken time out of my work day to call them back and tell them to put my number on their do not call list.
On XX/XX/2018 and XX/XX/2018 I had multiple fraudulent charges made to my Walmart MasterCard Account XX/XX/2018 XXXX XXXX XXXX XXXX for {$50.00} - refunded to my account. 
XX/XX/2018 XXXX XXXX XXXX XXXX for {$50.00} - refunded to my account. 
XX/XX/2018 XXXX for {$550.00} - refunded to my account. 
XX/XX/2018 Balance Transfer for {$1100.00} - still on my account and not refunded. I have contacted Walmart CC multiple times and am told that it is in their Fraud Dept and I will hear back from them soon. So here I sit, months later and am still paying on the balance transfer. They have refunded fees and interest but have not dropped the charge.
I applied for a home loan pre-approval recently and the mortgage broker informed me that my Equifax score showed up as XXXX due to " Serious recent delinquencies ''. However, nothing was actually shown as delinquent on the report that the broker pulled, nor on my credit report. My Equifax report shows my FICO as XXXX with no delinquencies or pubic record. 

This is a serious issue because I ca n't contest this with Equifax unless a derogatory account is listed. My identity was stolen on X/XX/15 ( CFPB actually helped me resolve an issue with XXXX 's that arose from this identity theft ) and I filed the appropriate paperwork including a police report and place a fraud alert on all 3 reporting agencies. I also locked my credit to prevent further theft. Currently the only debts I have are a student loan ( XXXX/XXXX ), and two credit cards ( XXXX and XXXX XXXX ). All of my accounts are current and in good standing. 

I would like this resolved as quickly as possible, especially since I 'm looking to purchase a home within the year.
I am writing a complaint against Gold Star Finance in XXXX XXXX, TX. I recently sent them a certified Cease and Desist letter with the help of my financial counselor after a hardship I am experiencing that has caused me to default on a loan. I can no longer pay them as I only have {$800.00} a month in Social Security to live off of. This morning I was harassed over the phone from Gold Star Finance & gt ; They stated they were sending someone over to my house. Also when my home health provider tried talking to them over the phone to let them know it was not necessary they threaten to call XXXX on her because they claim I am being abused by her. I am afraid for my safety. My Financial counselor and I made a police report over the phone and this evening an officer will be coming by my home to take the rest of my report against Gold Star. I know I owe them the money however I can not afford to pay them. I was paying them up until last month however because I paid them I fell behind my utilities and had to get assistance through community resources to keep my electricity from being cut off.