WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for the Chase XXXX XXXX Card on XXXX XXXX, XXXX at the Chase branch on XXXX XXXX and XXXX XXXX in XXXX. I was interested in the card both because the benefits it offers and because there was a promotion to earn XXXX Chase XXXX Rewards points if certain spending requirements were met using the card within the first 3 months after account opening. I have a pristine and extensive credit history going back to XXXX. No missed payments, no late payments, no bankruptcies, no collections. Every payment on every obligation, including my mortgage, my student loans, and all of my credit cards ( including Chase cards ) has always been made in full and on time. My XXXX score is well over XXXX. Yet, Chase denied my application on the grounds that I had opened " too many credit cards in the last two years. '' I called and asked their representative to explain and she suggested that, because I had opened other credit cards ( at other banks ), Chase could not get a good sense of my utilization, but if I would like they could upgrade my existing Chase XXXX Preferred card to the Chase XXXX XXXX card ( which costs {$450.00} per year ). In other words, they would be happy to give me the Chase XXXX XXXX card and charge me the {$450.00} fee, but would not give the same opportunity as other customers to earn the bonus. Given my very long and perfect credit record, Chase clearly denied my application on pretense in order to avoid giving me the opportunity to earn the XXXX bonus points. Perhaps because I have an XXXX ( XXXX-sounding ) name or perhaps because I do business with other banks. If they were at all concerned about my credit utilization, they should not be willing to approve me for an upgrade of an existing card. As far as I am concerned, their denial of my application was based on discrimination specifically designed to deny me the opportunity to earn bonus points and not on any legitimate concern regarding my creditworthiness and should not be allowed to stand!
I have n't received a single communication regarding this debt, except that is showing in my XXXX XXXX account as In Collections. I have kept my mail forwarding address current and have had the same phone number and email addresses for years. I have never gotten notification of toys amount being due, even before it was sent to collections. I do n't even know when that happened, or what the debt is for, who is from, etc. All I know, from XXXX XXXX, is that {$1000.00} is in collections with " Debt Rec Sol. '' I looked them up online and tried calling twice. Today, I sent a letter AND an email requesting more information about this debt.
I was unaware of this collection on my credit until I checked my credit score one day and it was dropped a lot. I looked at my credit report and saw the account on there. I did not know who they were or what they were collecting for. I gave them a call and they told me what it was for and I have not been to XXXX XXXX XXXX. I have never even heard of XXXX XXXX. I would like to dispute this because this is not my debt.
I'm thinking I'm the only person with three credit profiles first credit profiles ( XXXX ) ( XXXX ) ( XXXX ) and was set up my EXECUTOR and ADMINISTRATORS us government and FDIC XXXX XXXX so I FIRED the bankers I have perfect credit on all but one when the ex-wife broken into my house i file a police report with XXXX XXXX XXXX police department On file if needed
Financial Assistance Collection agency is currently reporting a collection on my credit report for the amount of {$990.00}. I understand that as a consumer it is my right to challenge items on my report that i believe is incorrect therefore I sent out a second round of a debt validation letter asking the agency to prove to me that this debt is mine n XX/XX/2018. I sent this letter certified mail with a return receipt and have seen that this company have received my dispute but has yet to answer me and it has been over 30 days. They also have not updated the account to say that i am currently disputing this item which is a violation on their behalf.
I have requested several times from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Act. # XXXX. No phone number listed on report, to verify the said debt listed on my credit file. I have also sent a copy of my state issued I.D and a copy of my Social Security Card to assure it is me who is requesting the information. In accordance to the FCRA 605B. TransUnion still will not block, verify, validate or remove this negative information. This has gone on for several months and they continue to use a system none as XXXX  to parrot information from the original creditor. I have not received a original instrument of indebtness other than a bunch of invoices with no signature of mine. Yet TransUnion still is asking for more information and refuses to delete this information. I have been a victim of Identity Theft before and had to go through the same thing back in XX/XX/2014 and this is around the same time this debt was created.
Amsher collection agency is claiming we owe a debt for a XXXX XXXX account based on an address in DE. We have only EVER lived in TX. The amount is {$650.00} or {$650.00}. We disputed this through XXXX and the response received the next day simply says the collection agency certified the debt is correct. XXXX knows ALL of our data is in Texas. Address, jobs, home loan, etc is ALL in TX. 

AMSHER COLLECTION SVCS,XXXX Original Creditor XXXX XXXX Open Date XX/XX/2018 Balance {$650.00} Debt {$650.00} Contact Information XXXX XXXX XXXX XXXX , XXXX, AL XXXX, ( XXXX ) XXXX
I HAVE BEEN RECEIVING CALLS EVERY DAY SINCE XX/XX/2018, I REQUESTED THE ON EVERY CALL TO CEASED AND DECEASED PHON CALLS ACCORDINLY TO THE RIGHTS BY FDCPA. PREVIUSLY I REQUEST THEM TO STOP THE CALLS AS WELL.
Just got a notice from my credit monitoring service that a new debt was attached to my credit report. I immediately disputed it online through XXXX and they sent me an email the very next day that said the investigation was complete. I find that very hard to believe there was any 'investigation ' at all, given that I had commented that the debt was 'fraud ' and does not belong to me. How was this debt verified as belonging to me in XXXX day, and how was it 'verified ' if it is n't mine? I do not owe this company money, and this debt is fraudulent. I have a very common name and do n't understand how something can attach to my report without proof of it being mine!!! I need this item completely deleted from XXXX and any other reporting agency, as this debt is fraudulent!!!
My wife and I took out student loans for XXXX and XXXX degrees. We when to XXXX XXXX University, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX University. 

My wife was fired from her job while on XXXX leave. She has been unable to find a new job over the past few months. I called Navient to help with our payments while she is out of a job. They indicated that I can not voluntarily forbearance my loan and we can not file for economic hardship because out loans are consolidated and I still have a job. However, my job alone does not cover my day to day expenses as my wife made the majority of our income. According to Navient, I am not making under {$20000.00} to declare economic hardship. This is unrealistic as living in XXXX XXXX, NY, if I was making under {$20000.00} I would be living in the streets. 

They lowered my payment for two years at {$470.00} per month. I explained that I will not be able to pay that amount and they told me that this is the best they could do. 

It is upsetting that Navient will not help us and would drive us to not paying our bill rather than giving us an affordable payment.
I HAVE REQUESTED PHYSICAL DOCUMENTATION FROM XXXX XXXX OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that Charter DELETE this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that XXXX XXXX pick a day in XX/XX/2018, where we can meet in XXXX CA. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.
I have a credit card account with XXXX 's, a small balance of XXXX $ left and my credit limit is only XXXX . I  receive at least 25-30 calls A DAY from this company. It is a different number each time, local area numbers and out of state, the collectors also try to call me by listing a private number to try and trick me into answering their calls. I am currently in a financial bind and my hours at work have dropped. I cant afford to pay the XXXX $ min payment at the moment and I have explained all of this to each rep I have talked to. I simply dont have it but each rep tries to force me to give them a date to pay in order to stop the harassing phone calls. I did that just so they could stop calling me. I plan on paying off this debt in the next 2 months but I ca n't at this point. Please help me stop these harassing phone calls 7 days a week, 3-5xs a day.
XXXX XXXX and XXXX XXXX reinserted a collection account on to my credit report from all state credit bureau. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under All state credit bureau inc. Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which I received no such letter from either credit bureau. All state credit bureau inc as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and XXXX  needs to address this situation. From what Im being told is the account is paid off and terms agreed to by all state credit bureau of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.
We are being charged for things on our account but no one can tell us where they are coming from, the balance we had on the card was XXXX as of XXXX XXXX 2016 and there were no more charges on the account, when we received the bill they were charging us XXXX on top of that i had XXXX worth of credits applied back to the account, and for months it did not reflect, we have asked for help from them so many times, with getting no help at all, no statements ever reflected the credits or the additional charges they claim we have, we have refused to make payment at this point because of the issues that are wrong, and we dont feel we should have to pay interest on the items that have been returned to the account, and the interest a month has not changed, i would like to get this situation fixed as soon as possible, as its interfering with us buying the house we were in the middle of buying, and when i stated to the lady this could cause us to be homeless she laughed about it. this company is the worst to deal with, and reaching people other than a call center and having them demand money is not the way to get it, with the statements from amazon and invoices i have enough to prove we do not owe the balance they claim we owe. we have been trying to work with them since XXXX 2016. they have also locked me out of the account so i can not get on access it, get proper statements or even make payments, they are now currently sending statements in the mail with no information provided.
This was part of covered medical expense. I was not aware any balance was due, nor was able to confirm the amount shown in collections is even valid. I was informed by XXXX XXXX the balance was XXXX.
Debt was settled at lesser amount. Verbal agreed was made to remove debt once settlement payment was received. Collection agency refused to remove debt or report debt as settled.
The interest they charge is way two high its tripple what I borrowed is this practice allowed? I borrowed XXXX and I owe XXXX and I have made 3 payments of XXXX and still owe XXXX I am been taken advantage of.
On XXXX XXXX, 2013, in their correspondence to me, Bank of America stated my home loan mortgage account had been reinstated without any additional information, explanation, or reference whatsoever before and after this representation. When I made inquiries about the reinstatement I got the runaround an the then assigned single point of contact did n't know either and failed to seek out an answer to provide to me. I have not received any response or explanation to the XXXX 2013 loan reinstatement to date.
On XX/XX/2018 I submitted a review of an erroneous item on my credit report. A lien, that was withdrawn and Experian note it was released/withdrawn but did no remove it from the report even thought the could not verify it and had evidence it was withdrawn.
I was at Bank of America in NY, the XXXX on XXXX XXXX. & XXXX XXXX. last Monday. 
The investment consultant XXXX XXXX helped me open a new travel credit card because I 'm their preferred customer. After that she asked me if I do investment & I said I have an account with XXXX XXXX. She explain to me that if I switch my account over to XXXX XXXX, I will get {$300.00} & XXXX free trades. She tell me to fill the XXXX XXXX application online which I did & drop by Friday to see her which I did. Drop by Friday, she tells me a different story saying I will get {$100.00} & XXXX free trades. Doing business I believe in trust, which she lied to me, so I 'm unhappy with her service wasting my precious time.
INTEGRITY SOLUTIONS SERVICES is a third party debt collector. They are reporting info on my credit report that I owe them {$1100.00}. I have not ever dealt or even heard of this company. I do not have a contract with INTEGRITY SOLUTIONS SERVICES. I also looked on the  Secretary  Of State website to verify that they are bonded with the  SOS  and was not able to locate them.
I have written dispute letters to XXXX, XXXX  and XXXX  and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and a letter to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. The creditor did not respond at all. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
I had an mobile deposit from a loan company they shut my debit card off and said I need to call the bank when I did they said they thought it was a scam well they locked my checking account out to where I can't withdraw my money they have take. An overdraft charge out of it I was not overdraft it has been almost 3 week the check has not been returned and I got an email to state that the mobile deposit had been approved and processed they won't let me into my account to get my money they said they are closing my account on the XXXX and that if I had anything left they would send it in a cashier 's check to me. They have already charged me an overdraft charge and the mobile deposit was approved I'm dealing with us bank
Hi During my kids eye test for XXXX XXXX, all medical insurance details were provided to XXXX XXXX XXXX   XXXX   XXXX XXXX, NJ. They checked the insurance and mentioned we were covered for the services. Instead of collecting the money from the insurance company, they reported to it to debt collections agency who then send it to credit reporting agency as uncollected debt. 

We had told the debt collectors that the insurance details has been given, yet they refused to collect it from the medical insurance company. This has impacted my credit score. Needs to immediately take corrective action else we will follow with legal action. 

Details below Opened XX/XX/2018 ( 3 mos ) Account status Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX, NJ Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
I opened a car loan with ally financial about 4 years ago, the car was defective and i tried returning it to the dealership within  1 week of pu rchasin g it, ( it still was under the warranty period ) th e dealer refused to take it back.i was forced to repair the vehicle out of pocket. I told ally financial the dealer wouldbt take it back and it was still under warranty they also refused to help me with this and forced .e to remain with the vehicle, pay the repairs and keep the loan.after thousands of dollars in repairs i voluntarily returned the vehicle to ally financial. Years laters they still send me letters to force me to pay. I provided all the information to all the credit reporting agencies and they have removed this loan feom my credit reports, but ally financial still harasses me for the money. I no longer wish that ally financial contacts me or send me letters or try to collect this from me. It was wrong for them to do this after i asked them to please help me return the vehicle while i still could and they refused. Please mind that the vehicle was sold in auction by them and they still want me to pay the remaining balance.
MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX CELL ON XXXX XXXX 2017 I  APPLIED AND WAS GIVE AN APPROVAL FOR A LOAN FOR {$64000.00}. I WAS TOLD THAT IT WOULD BE REVEIWED AND WOULD TAKE APPRX 3-5 DAYS FOR FINAL APPROVAL. I SENT ALL OF THE REQUESTED & REQUIRED INFORMATION IN. BUT EVERY TIME I DID SO THEY ASKED FOR MORE INFORMATION. AFTER ALMOST 2 MONTHS ON THEXX/XX/XXXX 2017 THE LOAN / CONTRACT WAS COMPLETED AND SIGNED AND I WAS ADVISED THAT I WOULD BE FUNDED WITHIN 3 BUSINESS DAYS. BUT THEN ON XXXX XXXX 2017 I RECEIVED A TEXT AND A EMAIL STATING THAT THE NEEDED ADDITIONAL INFORMATION. I CALLED AND SPOKE TO THE OPPS MGR XXXX XXXX XXXX @ XXXX WHO REPORTS THAT NOW AFTER BEING APPROVED, REVEIWED OVER THE LAST TWO MONTHS, NOW THEY NEEDED SOME OTHER INFORMATION THAT WAS NOT REQUIRED TO GIVE ME THE FINAL APPROVAL OF MY LOAN, BUT THEY WERE GOING TO REVERSE THAT CONTRACT AND ASK FOR MORE INFORMATION. IT IS MY BELEIF THAT SOFI HAS PATTERNS AND PRATICES HAT ARE DISCRIMMINATING IN NATURE. AND I BELEIVE THAT SOFI HAS BEEN LOOKING FOR SOME REASON TO DENIE ME OF THIS LOAN VS GIVING ME THIS LOAN BECAUSE OF MY RACE, COLOR, OR CREED. YOU CAN NOT APPROVE AAND FINALIZE A LOAN, HAVE A SIGNED CONTRACT FOR SAID LOAN, SEND ME A LETTER SAYING SO AND NOW TAKE IT BACK FOR NO OTHER REASON AND DISCRIMMINATION. XXXXI WAS APPROVED ON XXXX XXXX 2017, AND THE CONTRACT WAS SIGNED ON XXXX XXXX 2017 AND COMPLETED FOR FUNDING. THIS IS A CONTRACT AND THEY HAVE A RESPONSIBILLITY TO FULFILL THAT CONTRACT. XXXXI THEN SENT A LETTER TO THE CEO XXXX XXXX  XXXX @ XXXX@XXXX, AND ON THE XXXX XXXX I RECEIVED ANTHER LETTER FROM SOFI SAYING THAT NOW I HAVE BEEN DENINED A LOAN AT FROM SOFI WITH A XXXX CREDIT SCORE FROM  XXXX XXXX 2017. I WAS ALSO LOCKED OUT OF ALL OF ME ACCOUNT INFORMATION AN OF XXXX XXXX 2017 AND CAN NO LONGER SEE MY ONLINE ACCOUNT OR STATUS. XXXXI HAVE A COPY OF SAID LETTER ALONG WITH VERIFIING INFORMATION AND EMAILS TO CONFIRM THE STATUS OF MY SAID ACCOUNT. XXXXYOU MAY CONTACT ME @ XXXX@XXXX, OR MY CELL XXXX.
My Son injured himself on XX/XX/XXXX and needed prompt medical care. I provide secondary insurance for him as dictated by XXXX. I live in XXXX. All of his medical bills were paid by the primary insurance as his Mother made sure the hospital had the all of the correct information ( she also works XXXX ). Anyway, approximately XX/XX/XXXX, my old insurance policy received a claim for {$140.00} which they promptly did n't approve as some XXXX months had elapsed. Fortunately, I had the occasion to speak to my Ex-Wife on this topic, so she called XXXX to which she was told there is a {$0.00} balance for all of his services- which exceeded $ XXXX when all complete. Approximately XXXX, Medical Data Systems reported to all XXXX credit agencies that I had an unpaid medical bill for {$140.00}. To that point in time, I had received nothing from anyone in reference to any claims OR monies due by me. I immediately called Medical Data Systems to which I was told " I owe them this money ''. I asked why have n't I even received an invoice, the response was " we sent many! ". I then asked can I get another copy of it emailed or faxed or something? " We have already sent you many '' .. " You owe us this money! ". I then asked How are they so certain that I do owe them this money- " We have a signed document, by you, stating you would pay anything if not covered by insurance '' .. At this point, I insisted I see something from them as I was n't even IN the state XXXX during this time- or the month before OR after the injury, their response was " We do n't send out this kind of sensitive information '' .. 
I then went through all XXXX credit agencies normal complaint forms and within an hour I received an undisputed report removal on my XXXX and XXXX reports. However, the XXXX report remained as I owed the unpaid medical bill. 
To this dateXXXX years and XXXX month post service- I continue to not have received anything from XXXX XXXX OR Medical data Systems. I did asked my Ex-Wife to check back with XXXX this past XXXX and XXXX confirmed {$0.00} are due to them AND they also had no idea of who XXXX XXXX even was- no mention of anything in the database of my name. 
XXXX more call to Medical Data Systems after hearing this news from her in late XXXX yielded the SAME results- but they were very happy to offer me of take my payment by credit card this time! I obviously declined their offer. I did asked for them to confirm my address- to which they countered with " its your obligation to provide to us your address since you owe us the money ''. If I truly owed this money- I would pay the money owed, BUT I do not and I can not get Medical Data Systems to prove to me that I do. The {$140.00} is not worth the headache of a credit ding- I cant help to feel as though they are just trying to rip me off here. 

Please help me on this? My cell phone number is XXXX.
I took this payday loan out of desperation. 
I called on Thursday XX/XX/XXXX and was told my loan payoff would be XXXX And then when I called back on Friday XX/XX/XXXX I was told my payoff was XXXX. 
Because of late fees and interest. 
I emailed 2 times in XXXX to find out my pay off and to notify them I changed jobs and my pay days had changed. With no response back. 
In addition to their late fees and interest I was charged. My bank charged me XXXX each time they withdraw their payment. 
You can't resolve anything with me because they don't return emails or phone calls from their finance dept