WillisBack/dataset-financial-user-claim huggingface dataset:
I cancelled a cell phone agreement after the contract was up, and was charged a cancellation fee. I cancelled the phone in 2004, and was willing to find the collection companies because I knew my contract was up. I have a file with all the demands from XXXX, as well as all of my response letters. I have written in response to at least XXXX different collection companies and have never received a response or verification of a contract or any debt owed. 
I have been getting these demand letters for the past ten years. Enough is enough. this is harassment.
I held 8 bitcoin at Coinbase at the time of the fork but I have not been credited with bitcoin cash. What happened is that in between the time of the fork and the time in which the accounts were credited I had to move my account because of access issues. I did so following Coinbase 's instructions. My account was never credit with bitcoin cash, however. I have been trying to resolve this with Coinbase since XX/XX/XXXX.

On XX/XX/XXXX I was told by Coinbase support " Hi there XXXX, Im working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete, or if we have any further questions.

No further action is required on your part at this time. Please note, we are experiencing tremendous support volume that may delay response times. For fastest response time, please do not send more than one email response. Thank you in advance for your understanding and patience.

Thank you for your patience in the meantime! '' But I have yet to be credit and nothing has happened.
Inquires are showing up my account that I never signed up for or applied for. I wrote Transuion, XXXX and XXXX and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXXXX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
I had a flood in my house on XXXX XXXX, XXXX The insurance company sent me the check for the repairs in the amount of XXXX after my deductible on XXXX/XXXX/XXXX ( they were behind sending the check because the large demand with the fires in XXXX XXXX The insurance company sent the check to my name and the mortgage company, I called the mortgage company to arrange the endorsement of the check, they said I had to mail it, I said I wanted to take it personally even if I had to fly to XXXX to take it because I had no floors, no kitchen, no bathroom at my house and I needed to get my house back together right away. They said the only way to do it is to overnight the check and then they will send me a check, I overnight the check, I uploaded all the information they requested, then they said that my account showed to be delinquent and they could n't release my insurance check to me. I told them the account was not delinquent, they confirmed with the mortgage department that my account was current. but they still insist in keeping my money illegally, They do n't even pay me interest on my money. I am not able to put my house back together and we are not able to live at the house without the kitchen, bathroom, flooring and walls missing. this is causing an extreme hardship, we have no place to live!
Trident Asset Management is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX they are listing this account type as " open '' when it should be a collectin. 

2. On XXXX, they are reporting an address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX when that address is no where on their website, XXXX profile, or the response letter they sent me. How can they have different address on each report? XXXX shows the address of XXXX XXXX XXXX, XXXX, GA XXXX which is on their website. 

3. All they did was send me a verizon bill but no proof they are able to collect this debt, such as a bill of sale, or any letters from the XXXX saying they can collect this debt. 

4. On XXXX they have their name as TridentAsset.com but on XXXX they list Trident Asset Management. How can they have XXXX different names on XXXX different reports. 

5. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XXXX which is wrong.
XXXX XXXX XXXX is the creditor. 

After 1 day past due they begin calling from numerous numbers and calls are often back to back. They also never leave a message and allow you time to respond. They have also called my work number despite being asked to remove that number from their file. 

The calls are incessant and unwanted. I have asked that all communication be through the mail and have had no success.
On XXXX/XXXX/15, my spouse, suddenly and unexpectedly, passed away. XX/XX/XXXX, it was discovered that there was a Discover credit card in my name, ( wrong middle initial ). I immediately contacted Discover and was advised to submit a fraud claim. I had no knowledge of the card, no physical card, had never used the card. The only activity on the card were payments, as the credit was balance transfer. 

After several months of dispute, dozens of phone conversations, and mail communications with Discover, they continue to say that I am responsible. When I have asked about how the credit card was opened, I have received different responses, but have been told it does not matter. I truly had no knowledge of finances, in our home. I have been left with only my income, ( no life insurance, no pension or Soc Sec from my spouse ). I can not afford to pay off this bill, approximately {$6700.00}, that I had no knowledge of.
I have a mortgage with Stonegate Mortgage. My payment was {$1200.00}. The company sent me a statement stating they were increasing my payment to {$1800.00}. Stonegate incorrectly entered my property taxes into the Escrow Statement and that resulted in the increase payment. I have tried to call. They do n't answer the phone. An employee finally called me back and could n't help me. I have sent two emails and attached the documents. They responded once with a non-responsive email. Please help me. They are overcharging me in excess of {$600.00} and I ca n't afford the payment.
I was a customer at chase bank, I recently found out that someone had been trying to hack into my account. I 've gotten emails from the bank saying that there was a large amount of money goin into my account, it seemed weird, a couple of days later I noticed that my own money that was already in my account was starting to disappear and that 's when I went to the bank to find out what was going on. The young man that I spoke to be told me that someone was trying to deposit fake checks into my account and by them doing that they froze my account and they also told me that I could never open an a account with them again nor could I take my money that was left in there. I felt like that was n't right I should n't be punished because of what someone else did and you telling me I ca n't take the remainder of my money! I work hard for my money and for you to just take it away like that was not right and now I do n't know what else to do, so I 'm hoping you guys can help me to fix this problem.
I called XXXX XXXX in XXXX, AZ on XXXX XXXX today, XXXX XXXX, 2017 to pay off my title loan in full because the car no longer runs & I dont use it, so need to junk car. Last statement amount is {$510.00} but they charge interest daily. Im changing bank accounts & had debit card from my joint account instead of account they have on file. Was told I could not pay off my loan in full except with card on file over the phone, only make a 1 time installment payment for the minimum amount. I told them I couldnt come into the store because I moved out of area. True. The location is in XXXX, AZ & I live over an hour away in XXXX, AZ. They wouldnt take money from me/let me pay off loan. I told them repeatedly I found it odd they didnt want to take my money & it seemed like they didnt want the money & if they wanted their money they needed to let me pay off the loan or they could just have the car. They refused both. I asked to speak to a manager. First woman claimed to be a manager, so I requested to speak to someone above her. She finally agreed after I insisted & put me on hold for several minutes. Then another woman got on the line & claimed to be a manager. Im not convinced either employees were really managers. She told me I couldnt pay loan off or give them the car & they had a lien on the car so I had to make payments. It made no sense. I want to pay loan so I did something Im not proud of, I lied & said I moved to California & couldnt come to location. She still wouldnt let me pay the loan off. I asked to speak to her boss. She told me she was the boss. I told her she must have a boss. She told me to call corporate XXXX number & leave a message. I went to website where theres zero information on paying off loans, only information on taking out title loans. I filled out a contact form asking why it was impossible to pay off loan & telling them if they wouldnt allow me to pay off the loan, I was having car towed to their XXXX location this weekend & that the account they have on file is being closed.
I went to a local Sun Loans branch to pay of a charged off account. The amount I expected to pay was {$290.00} plus a late fee of {$10.00}. The Manager and assistant manager of the location informed me that the late fee was {$60.00}. I had actually defaulted on the first payment due to loss of employment. I explained to the XXXX Sun loans reps that there should only be XXXX late fee as once the account is late I should n't be charged additional late fees. I was then belittled by the store manager and told that I would have to pay the late fees totaling {$60.00} which is XXXX late fees instead of the XXXX late fee. I asked the manager to show me the signed contract stating that I was responsible for paying cumulative late fees. She then produced the contract that according to how it was worded I should only be charged XXXX late fee. To prevent further attempts of belittlement by the manager at my expense, I then payed the amount they were demanding and informed them I would be filing a formal complaint concerning their business practices. The paid in full receipt list the {$60.00} as " Plus other charges ''. It does not describe what these charges are for. I work hard and honest for my money and do not appreciate a business not only attempting to belittle me but also overcharge me by using unfair business practices. Thank you for your time and help.
I received an email from cashnetusa regarding a payday loan that I was supposedly approved for on XX/XX/2019. I never applied for this loan nor did I approve any money to be sent to my checking account. The {$250.00} was deposited into my account on XX/XX/XXXX - again, I never requested nor approved any such transaction. 

I emailed the company on XX/XX/XXXX stating that this was a fraudulent and unapproved activity and they told me I had to file a police report before they could do anything. I did not file a report with the police as that does not seem like the right Avenue to take.
Diversified Consultants is attempting to collect a debt that I do n't owe and I never established a contract with this company. Furthermore this company is reporting a negative tradeline onto all XXXX of my credit reports which is violating the FCRA law.
I filed a complaint years ago and it was resolved, BBT Bank closed the account and did not send me the money .Bank account was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The money was never recovered nor did the bank did me a refund.
In XX/XX/XXXX I refinanced my home loan with Wells Fargo ; unbeknownst to me this was in fact a predatory loan. I made payments to this loan all the time while my principle balance was increasing. As my minimum payment increased due to the adjustable rate I could no longer afford a payment of {$2400.00}. In the fall of XX/XX/XXXXI was approved for a HAMP modification in which I made all 3 of my trial payments but according to Wells Fargo I did n't send back the proper " signed '' paperwork within a given time period therefore they denied me this loan. I waited a few months then applied for a modification in XX/XX/XXXX, I was approved for a modification of my home mortgage and completed one trial payment in XX/XX/XXXXbut on XX/XX/XXXX I was injured on my job and have become XXXX XXXX. I reached out to Wells Fargo to ask them to postpone my trial payments until my workers compensation lawyers could straighten out my financial situation with the insurance company but they denied me and in XX/XX/XXXX they then denied me the modification loan. Wells Fargo proceeded with a foreclosure of my home in XX/XX/XXXX, I had filed for bankruptcy in XX/XX/XXXX and by XX/XX/XXXX my workers compensation lawyers have been able to get an appeal on my compensation claim and I am now in a stable financial condition to apply for a modification to show and prove income with less debit ratio but Wells Fargo is denying me any application to apply for a loan modification.
Requested for Experian to prove the validity of some accounts on my credit report due to identity theft with the irs they have refused to send verifiable proof such as a contract from these accounts everything is just verified XX/XX/2018 end of the investigation and wont reinvestigate and refuses to show me proof this debt belongs to me I need help. I have had some of the account removed from my XXXX  and XXXX that where unable to be verified but Experian wont look into this.
XXXX is purposely preventing me from fixing my credit, please revie 11 page Attachment that shows unlawful debt collection practices regarding caking cops, among other things.
Capital One sent me mail to apply for a credit card and get an Express Answer. After applying I got no answer except for a notice saying I would get more mail in weeks. I got a hard inquiry on my credit and no answer. 

I have all the paperwork and I am going to hire an attorney and file a formal complaint in court. 

This is misleading to say the least and is malicious.
On XXXX XXXX, 2019 I logged into my EXPERIAN account to unlock my 800+ credit report so I could complete a home improvement purchase. When I got into my account and clicked on unlock report, it did unlock, and then I saw there was a FREEZE on it also. I do not understand what or why that was there. Then I tried to UNfreeze my report and when it asked me for a pin # which I could not find and when I clicked I did not have it, the page said I need to WRITE by MAIL to them to unfreeze. That is and will be unacceptable to me. Again I had a business transaction going in my home and this outfit is " holding me up ''. I then tried to call a real human to get assistance and I tried a couple of numbers and got an identical robo voice with no assistance. The next day I tried to login and wow, I would use my username and password and get onto their site and the only page that would show was one wanting my credit card for {$19.00} a month. 
That made me contact you. Now I feel as thought I am being EXTORTED for money to unfreeze my report. And, please recall that these LOCKs etc. were suggested by these credit outfits because they got hacked and released personal information. What I want is my report unfrozen and to never have this happen to anyone else again. Please fix!
XXXX months ago my lease was up, paid every month perfect, when I left I made sure everything was clean, cleaner then when I moved in. This complex is trying to charge me XXXX for paint. When a tenant moves out it is not required to paint the unit. This is ridiculous. I need help. I 'm being taken advantage of and it is not fair.
Paypal fraudulently initiated a hard credit inquiry and opened a {$5000.00} Credit Account, in my name, without my written permission. I had no idea this was occurring until my credit score, which is just over XXXX, dropped due to the unauthorized hard credit inquiry.
I financed my vehicle through Mercedes-Benz Financial Services. I discovered that the mobile app and other company records ( not including my contract ), according to my phone call with a representative, that my contract information shows 73 months instead of the 72 months listed on the contract I signed. I opened the loan on XXXX/XXXX/XXXX. The representative informed me today that my last payment would be XXXX/XXXX/XXXX ( not XXXX/XXXX/XXXX as expected per my contract ).
I did a dispute with Transunion and XXXX and the report came in that the debt of XXXX XXXX bank was to be removed from my credit report due to incorrect reporting on my account information. As of yet the report for XXXX XXXX is still showing in my credit report.
The options above do not really describe my situation fully so I chose the best option. 
The CCB does not have the correct address for me on file. They continued to deliver mail related to the matter to a family member 's house and other times had someone serve me papers at my employment. They knew I did not live there but made no attempt to get a correct address, therefore incurring more fees for a process server, and making it difficult to follow what was going on with the case. I would get served, but other times, important letters would go to a different address. 
I am a single mother and I receive no child support from the other party. I am responsible for all monthly expenses, daycare costs, preschool costs etc.. with XXXX income. I incurred some medical bills that I just could not afford and therefore the collection company was involved. These medical bills were incurred XXXX. 
I was served with the judgment and when I tried to work something out with CCB they were just downright nasty to me. 
The first time I called them, the amount to satisfy judgment was XXXX. I asked if there was any negotiation or to work out a settlement as I wanted to take responsibility and pay this in full. 
The next day when I called them to follow up, the amount to satisfy judgment was now over XXXX. Later that same day it was back down to XXXX but then they were going to add process server fees to the amount. They knew that I had the amount of cash that was stated in the judgment papers in hand to resolve the matter and refused to work with me. They would not lower the interest rate to make the amount more manageable. They have been very rude and difficult to work with and basically have given me less than XXXX hours to get the judgment paid in full and get the papers to my place of employment to stop the judgment before it hits payroll at my job. 
I am requesting a refund of the interest that was charged in the amount of {$420.00}. These people screamed at me on the phone, hung up on me, when all I was trying to do was find out if they would lower the amount just a little and work with me. And they refused..
I tried independently due to changes in incomes to seek a modification from my lender. There representative XXXX from Greentree told me I could not until I made about 6 payments on time. I told him I could not do that. I then went to a HUD authorized counselling center called XXXX XXXX in XXXX, Fl. since XXXX of 2015. After working with them it was decided we needed to do a Deed in Lieu. We gave our XXXX XXXX rep XXXX XXXX all information on XXXX XXXX. XXXX has been working with Green Tree and during the ensuing time they have claimed they did not have possession of the files sent although we have proof they have been sent to the contrary. Then when they do, they say they are missing some items. Etc. XXXX has detailed documentation of her back and forth experiences with them. In summary we have done our best and the delays and stalls dealing with Green Tree internal issues has astronomically causing me financial hardship. Please help!
A company by the name of Midland Credit Management , Inc., of XXXX XXXX, wrote me about two months ago saying that an unpaid balance of {$230.00} on a XXXX BankXXXX account was sold to them on XXXX. I wrote them back that I had never had an account with XXXX and had never received any requests for payment from a XXXX Bank. I stated that apparently my name had been either maliciously or accidentally attached to this account, and I had no intent of paying for something I had never bought. After another letter or XXXX, the latest from XXXX XXXX, their Division Manager, is now saying " we will no longer be contacting you regarding this account by phone or mail unless it is to further respond to this dispute by you. ''
My ex wife took my son to XXXX XXXX XXXX for treatment I did not agree with nor gave consent to. She used my Health card information and I was wrongly charged. Multible letters were sent to Snow and saur, last letter sent XXXX XXXX 2014. I am not responsible for this bill. 

Thank you
I received a notification that XXXX had asked for inquiry in my credit. The notification was through XXXX XXXX
This vehicle had a bumper to bumper warranty on it. They never honored the warranty and I was looking at {$4000.00} in repairs. I had several dealerships try and work with them and they would not budge. After 2 months of not having a vehicle I let took it back.
I received an alert that I have a bill in collection which was a surprise to me so I pull up my credit report and I see something from XXXX a bill for XXXX I dispute this back in XX/XX/XXXX after about a month the item was removed ok great I happy about that. Well this morning XX/XX/XXXX I receive an alert of a bill in collection I know this cant be so I check and not only has XXXX been placed back on my credit report but they are now say the balance is more then double and that I just open this account in XX/XX/XXXX. This is not my account this has hit me hard and has dropped my credit score very much. This cant be right there has to be something that can be done.