WillisBack/dataset-financial-user-claim huggingface dataset:
I made a purchase of {$57.00} from XXXX XXXX XXXX at XXXX XXXX XXXX FL on XX/XX/2018. The sales representative always market their credit card when a consumer is making any purchase. I signed up for the credit card and thought there will be an approval notice sent at my mailing address. They asked for my card to make a payment of {$57.00}. Hence, I though that the payment has been made. 
In the mean time I have not received any mail, email or phone call and I don't know how an XXXX credit card looks like. However, I received a call from one of the representative in the month of XX/XX/XXXX saying that I have an outstanding amount of {$120.00} on my credit card. They made a credit report for late payment which significantly lowered my credit score. I filed a complain as I believe the terms and conditions and the policy of the credit card was not mentioned to me clearly. It was clearly a miscommunication on their part. In addition, I want an explanation as to why I have not received my XXXX card or any additional information for the card I have signed up. 
They did an investigation based on a fraudulent case and as per the investigation they can not make any change to my credit report. 
I went to the store to speak with the manager and she explained me that the situation is not in her hand. My point is if you are constantly marketing for a product why are you not taking liability for the miscommunication? It can be human error! 
I have not make any late payments in the past and I have made a payment if I knew about it. Why am I held liable for a late payment if I haven't even received the card? 
In the last conversation I had with the representative, they told me that the amount of {$57.00} is due for the month of the XX/XX/XXXX but I didn't receive any bill in the mail or email. I had to call them to know the amount due date and the amount due and made the payment on XX/XX/XXXX. The service is awful! All this company cares is people to sign up for their credit card and when it comes to providing service they are simply ignorant.
I bought a cellphone in XX/XX/2017 the cellphone never turn on I return it to The store then I called the Bank of America CREDIT CARD and put a complaint for defective merchandise case number XXXX the prize XXXX the bank never did nothing they paid to the store yesterday the store gave me a new cellphone but is the same think it does not turn on I do not want to pay Bank of America for defective merchandise the store is XXXX XXXX & XXXX XXXX XXXX XXXX XXXX NJ XXXX
In XXXX XXXX, an individual fraudulently accessed my Macy 's credit card account ( Department Stores National Bank ), ordered a new card to their address, and subsequently charged approximately {$1100.00} in goods, which, since my account was set up to auto-pay the bills, was drawn from my checking account as a payment. This occurred a second time before I detected the issue, for a total of approximately {$2300.00} in fraudulent charges. After several weeks of waiting, Macy 's ( DSNB ) refunded these charges. On XXXX XXXX, XXXX, Macy 's ( DSNB ) again stole {$1100.00} from my bank account, and is not providing any explanation for why they have stolen these funds from my bank account. They have restricted my account so that I can not turn off the auto-pay feature, nor see any activity.
Hello.     I sold the following home ( address:   XXXX   XXXX   XXXX     ,   XXXX   ,  FL  XXXX  ) last year  (     XXXX     2016 ).  My mortgage service provider ( Seterus, loan #  XXXX  ) has not updated the credit reporting agencies with this information and this outdated loan information is now impacting my ability to refinance my current home.      XXXX   XXXX
I am filing this complaint against Experian. I have tried to resolve this issue by reaching out directly to Experian. I am a victim of Identity theft and there are several accounts listed on my report that are fraud. I have contacted the bureau on multiple occasions to resolve this issue and they are complying. I have contacted them by phone, online, and by mail to resolve this issue. The accounts listed below must be deleted upon receipt of this complaint. I will contact the BBB and file a class action lawsuit against Experian if this is n't resolved immediately.
Greetings, This concerns a foreclosure case. The Trust that currently hold the note is not responding to the short sale offer. I 'm not sure if their attorney has sent it to them. Although I have an email that confirms it. I have called the Florida Bar twice to try to reach out to the attorney to negotiate the sale. The first time he did respond but not much since. They are trying to change the locks on the house while it is still in my name. The utilities are also still in my name and they are trying to lock me out. I am currently my own council for the case. I hope you can help me reach out to them to reach a settlement. Thank you for your time.
Hello, My name is  XXXX   XXXX . I have a Nelnet account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due  Date XX/XX/XXXX   I re-consolidated my loans after they were damaging my credit back in   XXXX   XXXX   XXXX    . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to Nelnet was at  XXXX . The  Nelnet  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX
A Deed of Trust were procured by fraud involving INDYMAC BANK in XXXX. In XXXX, FDIC closed INDYMAC 'S doors and reopened it under INDYMAC, XXXX Request for FDIC to provide information relating to this erroneous loan in which INDYMAC BANK claimed to have " paid out '' an outstanding debt to " XXXX '' in XXXX. The purported loan number is XXXX. Require FDIC to show the equal consideration of the loan balance that were received for this loan in XXXX, after INDYMAC filed for chapter XXXX and debts were discharged.
On XX/XX/17 I received an email saying something to the effect that I had " won '' a {$1000.00} gift card from XXXX. There were associated posts saying this was " for real ''. I started clicking to check it out. As I went along it seemed to start turning into an application for a credit card and, against my better judgement, I continued with the process. By the end, I had been congratulated for qualifying for a " Net Spend XXXX XXXX card ''. I was annoyed since I did NOT want this credit card. I decided to wait until I received the card to call the company. Well, I never even received the card! After 3 1/2 weeks I called XXXX Spend XXXX. The customer service person was not concerned about the fraudulent way I was lured into applying for the card or that I never received it. She seemed to want a quick resolution and simply offered to send me another card or close the account. I told her to close the account. I also said that I certainly hoped that opening and closing this account would not effect my credit score. She said it wouldn't but I'm not sure she knew what she was talking about.
Equifax will not allow me to access my free credit report and I will not send personal information, like my SSN, through the mail to a company I do not trust.
I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have XXXX credit card accounts that are fraudulent, unauthorized and do n't belong to me listed on my Trans Union, XXXX and XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX, XXXX, balance {$1000.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}
I sent santander a letter on XX/XX/2018 ( letter attached ) and ask for A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.They only sent a copy of a retail sales contract that no one from santander signed. They did not validate the debt.Under the Fair Debt Collection Practices Act, I have the right to request a validation of the debt and prove that I am indeed the interested party who is contractually obligated to pay this debt.I have attached a Certified XXXX information request showing they do not have a lien placed against my name. This is unfair and fraudulent business practices for lack of full disclosure according to regulation z of the Truth in Lending Act. I would like to know how this company is using my social security number. Santander have been calling my phone repeatedly ( 4 times in one day back to back ) and they have not validated this debt. Santander have been know for unfair business practices in the past and this company needs to be put on notice for unfair business practices.
There is an acct from XXXX XXXX and XXXX XXXX XXXX that was removed from all 3  credit reports then popped back up on them. I have asked Equifax , XXXX XXXX and XXXX.  I have asked for validation of these Accts and they refuse to validate as I requested.
Hello, I'm not entirely sure who I should contact with this issue so I'll start with CFPB. My husband is a XXXX   XXXX VA XXXX veteran and was able to get all of his student loans forgiven. I met him right after I finished college and have moved all over the country due to his military orders. It has been extremely difficult for me to find jobs each place we move thus making it impossible for me to cut down on my own student loan. I know he deserved to have his loan forgiven because of his service to the country but I feel as a spouse there should be some type of assistance with my student loans. I've had to sacrifice quite a bit and also my time as his care giver. I've also had to take exams to recertify my credentials to each state we have moved which further extended my chances of finding a job in a timely manner. If you aren't able to help, can you please forward this letter to a government office that might be able to? Thank you
I called NAVIENT regarding the two account ( s ) on which I am co-signer in XX/XX/XXXX. On two occasions I was given different information regarding accrued interest fees and late fees. I made a payment and was advised that all accounts were " up to date '', only to learn that there were still outstanding late fees. This impacts my ability to keep the loans " in good standing '' for other re-payment programs. 
Also, I was deceived into thinking that my daughter would receive a lower interest rate on her loans if I called and updated my personal and financial information. It became clear to me that NAVIENT simply wanted my updated information so that garnishing wages could take place for both me and my daughter, if necessary Customer service made no attempt to reduce her interest rate. 
Our interest rates are " variable '', but there have never been any adjustments in lowering them when the federal interest rates were lowered over the past 7 years. 
Finally, my daughter is now in " interest only '' payments which still allows the high interest rates on the loans to grow exponentially. Her loans have doubled since she took them out.
" CREDIT INFO '' INQUIRE INFORMATION DATED XX/XX/2016 DOES NOT BELONG TO ME AT ALL
Paypal Credit is requesting a high minimum payment, well over XXXX, I do not have exact amount available to me. They refuse to lower amount, will not work it out. They claim they have offered a payment arrangement but have not received any such offer. Even so, an arrangement does not lower the payment amount due, rather sets up future payments, does not waive any fees related to over limit/past due balance. Calls have been made, which they conveniently have no record of, to lower payment amount. The calls is transfered to collections who are more interested in just getting any kind of payment rather than lowering amount due. Its a shame they are not more cooperative as they will need to lower payment amount due if they wish to see any kind of payment at all. I understand they have referred account to a collection agency, this also applies to them as well.
While I was living in  XXXX  with my family  serving as    XXXX   someone opened a   XXXX   XXXX   account in my name. I found out from my local credit union years later. I never received any account or statements. I was out of the country. I did an ID theft affidavit, had it signed by a police officer and filed with my local police dept. I also sent all the information to   XXXX   XXXX   XXXX  . They then recently sent me three statements from   XXXX   XXXX   saying it was my account. It lists an address in a city I 've never lived. The address is more information than I 've ever had.  XXXX    XXXX   would n't talk to me about the account because I could n't confirm " details '' about it, yet they report it on my credit report. I ca n't possibly answer questions about an account I do n't have.
XXXX wireless has posted a 90+ days late status 14 times on my Experian CR. The account was legally paid in full and should not have posted any negative data on my CR due to my SCRA right to terminate any lease due to overseas deployments. I explained this to them many times but the negative data is still on my report. 
Additionally, the " XXXX XXXX XXXX '' collection agency should also expunge negative data from my Experian CR for the same SCRA right to terminate any lease due to XXXX deployments. Thanks for your help.
We got into a XXXX loan, and applied with SLS for a workout. For 2 years, we provided all documents. SLS assured us, there would be no problem, but ended up taking our home, by even deceiving our attorney until after the Sheriff 's sale and the 10 day rite of recision, at which time, they contacted her to say it was too late. 
They ignored a COURT ORDER to provide a workout to us, and basically ignored all that we sent for TWO YEARS.
These account are still on my credit report was deleted last month. I have attached enough paperwork from my fraud alert and have sent them my paperwork. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Account charged off. {$390.00} written off. {$390.00} past due as of XXXX 2016. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Account charged off. {$460.00} written off. {$460.00} past due as of XXXX 2016. 
I also have a lot of inquiries I did n't authorize that are on there and are attached on letter enclosed. 

These are not my account an was used for fraud. And should be deleted. 

XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX BANK Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX BANK Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX BANK DELAWARE Account Number : XXXX .... Outcome : XXXX XXXX : XXXX XXXX, 2016
I was attending  XXXX  University and I had to drop out out of school due to my mother having  XXXX . Because I dropped out  XXXX  University sent me to a loan collection agency which I did n't understand because it usually just goes to my Federal Loan account with all the other loans I 've taken out. I made a few  XXXX  dollars payments to  XXXX  but I 'm assuming that was not enough because they sent me to collections wi th Todd Bremer and Lawson, INC.  When they contacted me about setting up payments in  XXXX  of  2015  I agreed for them to take out  XXXX  dollars each month. It is an automatic draft so I have been paying every month since. However when I questioned them about the  XXXX  hundred dollar fee they where charging me they just told me it was because of late fees. I let it go but now I 'm starting to wonder if those fees are even legal.  XXXX  hundred dollars is a lot for a loan that I thought was under Federal school loan and not a loan from the school. The school sent me only one notice before they sent me to collections and even then I sent them a few payments.
On XXXX I placed an online order with XXXX. Their website refused both XXXX and XXXX XXXX times.The site said the charge was refused.When I called XXXX the person said they got the wrong expiration date while I was looking at the order form which showed the correct dates.The only payment that was accepted by the website was Paypal. When I got the statement from Paypal I asked for a paper statement which I never got.The next month ( XXXX ) I asked Paypal to bill my Visa which they never did. Now Paypal wants late and interest fees when I have already sent them a check for the original amount.This month they want additional late fees even though I have written them to cancel my account. I tried to pay them twice and they refused both. They want my bank account numbers which I absolutely refuse to provide.
Once again, a potential Lender can not access my Equifax credit report. I have no security freezes in place and want Equifax to permanently resolve this issue. Every few months I have to go through this and Equifax can not give an answer why it continues to happen. I do not need a copy of my report. I just want Lenders to have access to pulling it.
To Whom It May Concern, My name is XXXX XXXX XXXX XXXX. In XXXX XXXX, my Father XXXX XXXX expired, and on XXXX XXXX, I open up an Estate Checking Account via Wachovia Bank with Account number XXXX. Which is now Wells Fargo Bank, with Account number XXXX. On XXXX XXXX, XXXX there was a INTL WIRE FUNDS TRANSFER wired from my account XXXX without my Authorization. The amount was {$25000.00} Dollars, on my original Bank Statement it shows the Funds were transferred to XXXX. The person that received this transfer was XXXX XXXX whom I do n't know or ever heard of. This is the transfer information that 's on my Bank Statement REF/RFB # XXXX, ADVICE CODE : XXXX, Time of Transfer:XXXX ET. Also the bank ( Wachovia- Wells Fargo ) AUTHORIZATION AND SECURITY PROCEDURE : which rules and procedures include a requirement for you to sign a " FUNDS TRANSFER SCHEDULE A '' which I did n't sign any such document for my money to be transferred. The Bank Manager of Wachovia at the time was XXXX XXXX, she also told my husband and I that she had people in XXXX, and some times she goes there for vacation. I would like to say again that I did not Authorize this {$25000.00} dollars to be transferred from my Account. Also on XXXX XXXX, XXXX someone used my Bank Debit Card and took {$730.00} dollars off of it. But Wells Fargo has credit this back to my account XXXX this was done XXXX XXXX. I need Wells Fargo Bank to honor this FRAUDULENT WIRE TRANSFER, and credit my ESTATE of {$25000.00} dollars that my Father left me. They can send a Check to XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX or Credit it to my Wells Fargo Account XXXX. We thank you in advance for looking into this matter for me. 
XXXX XXXX, XXXX XXXX XXXX XXXX
Received a subpoena case number : XXXX stating the plaintiff as XXXX XXXX, however the document also states that it 's from a debt collector. I contacted XXXX XXXX with my soc sec # and there is nothing in there records since I do not have any type of accounts with them. I pulled my credit history and XXXX reported me delinquent on some unknown balance. ( The amounts were close so I assumed that XXXX sold the debt to XXXX XXXX ). Either case I have never received warnings either from XXXX or XXXX XXXX. How do I go about this? It is obviously illegal since I do not owe XXXX or XXXX XXXX. This debt collector is false representing XXXX XXXX.
I am repeatedly getting calls from a XXXX area code number with multiple numbers like XXXX and others from a company called frontline asset strategies. I told them I disnt know anything about the debt and he said he would email me a copy of the papers. Never got it he called again and said the same thing and I still have not got anything I have checked spam and regular folders.. he called today XXXX XXXX  at around XXXX XXXX  most. They also many times a day. I told him I wasn't agreeing to anything till I see the papers to validate it as I feel it may be a fraud account. But they still call. I have emailed them as well and got nothing. Just many calls all day
BROWN AND JOSEPH LTD is a debt collection company that has continued to send me letters and call me on the phone regarding a collection from XXXX XXXX. This collection was included in my bankruptcy and has already been discharged in XXXX 2015.
I am in the process of refinancing my house, and currently having trouble receiving the correct pay off letter from my current loan service provider Specialized Loan Servicing LLC. When the original request was placed by XXXX XXXX ( XXXX ), the new mortage company, the Pay Off letter they received had the escrow funds applied to the principlal, as an arbitrary decision by XXXX. Since the letter was received i have called several times and requested the pay off no to be inlcuded, as this funds will be used to pay my taxes and insurance in XX/XX/XXXX and i will use as part of closing cost. 
On the first call XX/XX/XXXX, the XXXX representative indicated that this is their policy, and i indicated that i disagree as the Escrow money should not be commingle with principal payments. The representative review with their manager and approved the exeption. ( XXXX was the agent name ). 
On the second call XX/XX/XXXX, a place a tree way call including XXXX rep XXXX. The XXXX rep was unwilling to help me and hang up the call on us. 
Third call i requested to speak with Manager, XXXX ID XXXX, she indicated that first request was denied, which i was never told an approval was required, and that she will submit a second request. 
I have been contacted by XXXX that still Pay Off letter is pending an my refinance lock rate is expiring ... i really want this XXXX company to be reviewed as this seem to be a Consumer Predatory Practice. 

XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX P XXXX F XXXX
Experian is taking too long to respond. My husband and I requested an investigation of some of our credit accounts back XX/XX/XXXX. To date, we have not received any response from Experian. We do n't know why its taking so long.
Hi, I would like to dispute a overcharged that SPIRIT_Bank of America ' Credit Card hadcharged me. I consumed {$850.00} and sent check # XXXX on XXXX/XXXX/2015 to pay thisThe Spirit-Bank of America claimed they received it on XXXX/XXXX/2015 and are charging me a late fee {$40.00}. 
I sent my check on time to fully pay my due ; What ever happening in their office or USPS is not part of my responsibility because I received the payment bill on XXXX/XXXX/2015. 
Thus, I could not had sent payment before. 
Please help me in resolved this matter. 
Best regards, XXXX XXXX
I had purchased a copy of my credit report about 3 months ago and noticed an account from a company by name of capital one that did not belong to me. I immediately contacted the credit bureaus and notified them and had done ftc report and did an identity theft. as of this date capital one has not done anything to resolve my issue, that 's why I am here.