WillisBack/dataset-financial-user-claim huggingface dataset:
A company the XXXX claims that I owe over {$1000.00} to pay for an audit on a account with them that I do n't have. I cancelled my account with them and yet they want to do an annual audit for a workers compensation account that I paid with them for nearly a year. 
Now a collection agency RMS sent me a letterA representative told me that they needed to audit my account in order to decide if my monthly payments for the next year coming up would be accurate. I 'm not doing business with them in the next year so there will be no payments at all. So it seems unjust to me to pay a ridiculous amount of {$1100.00} for them to run my income report etc ... 
And in the one year I did do business with them, my financial disclosure was accurate on my end so I have nothing financially to hide.
My parents told me to go to XXXX XXXX, even though I had heard about their fraudulent practices, they thought good idea for me to go there. I went, got an XXXX and in the end I was told I needed to redo a loan for one final credit, which was only about 2k and now all of a sudden I'm informed, after notice my federal tax returns are being taken from a federal credit collector, THERE'S NO WAY I OWE OVER 10K as now stated, I had paid off my XXXX XXXX credit loan. Hoping to get a way to be forgiven, since it's one of the most fraudulent circumstances I've ever seen or have had to deal with, especially with it being almost 10 years after I have actually graduated.
Hello, I am not sure if I am submitting this into the right section, but I am hoping so. I made a transaction on XXXX with a XXXX  seller. She claimed to have tickets to a XXXX game, two for {$350.00}. I paid her and two minutes later she claimed it didnt process. I checked and it showed she received the money and it was taken out of my account. I told her this and she tried to claim I still needed to pay her again. I said I was not comfortable and wanted my money back. The money is still out of my account and into hers. Both XXXX and my bank, Wells Fargo, are not being of much help with anything as of now. I have involved the police, and we are trying to further investigate.
XXXX certified letters within a 60 day period to Franklin Collection Service , Inc. has failed to provide the following requested information to validate an alleged debt:XXXX Signed credit application between myself and the original creditorXXXX. Copies of all signed vouchers from the date account opened until defaultXXXX. Copies of all statements from the date account opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreement that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contract Franklin Collection Service, Inc.purchased the alleged debtXXXX. If the alleged debt was purchased, provide a copy of an agreement between Franklin Collection Service , Inc. and myself, signed by me, stating that I have a contractual responsibility to Franklin Collection Service , Inc. for the alleged debtXXXX.Provide proof that Franklin Collection Service XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claim is now considered invalid and all collection efforts must be stopped and the account must be deleted from Franklin Collection Service , Inc. Franklin Collection Service , Inc. can not validate their claim, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Franklin Collection Service, Inc.of their infractions and that the alleged debt must be removed from their account immediately, and it also must be removed from all credit reporting agencies. Thank you.
In XXXX I received a solicitation for a HSBC Cash Rewards credit card. I fulfilled the {$500.00} spend requirement in the first statement cycle and as of today the advertised {$150.00} bonus was not credited to my account. However I have noticed in points category the increase of the points pointing to the some type of credit being given. I attempted to contact the HSBC twice about this each time holding in excess of 30 and 24 minutes respectively however I wasn't able to get anyone on the line. My husband complained to the company 's executive office ( he's a journalist ) however beside a form letter promising to look at the issue ( ASAP ) nothing has been resolved and done.

The letter sent to me specifies {$150.00} welcome bonus in cash back and not points that I can not use. I appreciate the bank to issue the {$150.00} credit to my balance.
My Problem is with the XXXX XXXX XXXX XXXX I incurred tolls which I paid. The tolls are {$5.00} and I have paid them. there was a total of 10 tolls at {$5.00} each which I paid but They started sending me late fee notices of {$55.00} on each {$5.00} toll which is outrageous Why are they allowed to charge a late fee 11 times the toll amount. I am not a toll cheat and when I received the notices I paid them.
I filed a bankruptcy that was discharged in XXXX 2011. At that time, XXXX was the servicer of my loan. XXXX was informed that I had surrendered the property through the Bankruptcy and I vacated the home. They applied for and received a lift of stay so that they could commence with taking back the property. Just prior to the Bankruptcy discharge, they sold the servicing rights to Ocwen. For years Ocwen called to collect on the debt even after being informed that I was protected by the Bankruptcy. Ocwen employed delay tactics by trying to get me to agree to a modification. It took Ocwen five years to sell the property. They issued me a XXXX cancellation of Debt but they have it coded incorrectly. It should be noted that it was due to a Bankruptcy. This is unacceptable and a violation of Bankruptcy Code
I have struggled to obtain accurate information about my loan, mainly repayment with First Mark Services. First Mark Services is servicing XXXX private loans. I received information from XXXX that my loan would no longer be serviced by them the first month after my loans came out of forbearance. My first month payment came from First Mark and was completely unaffordable. I called them immediately so see what I could do to get on a more affordable repayment plan. I was advised by a representative that I should call XXXX to see if they could restructure my loan so that I would be eligible to be enrolled in a repayment option that would work for me. When I called XXXX I was informed that it was " severely inappropriate '' that I was advised by First Mark Services to call them because they no longer had access to my loan and to essentially stop calling them. I called First Mark Services the next day to inform them of what I was told by XXXX the representative said that he did not know of any other options open to me and that I should seek a 3rd party to reconsolidate my loan. I have been paying interest on these loans since I first obtained them years ago and my credit is not that great so that option is not really an option to me. I received multiple calls in regards to my account being past due and each time I spoke to a customer service representative to see if they could find something that would help me make payments. I spoke with someone about making partial payments and they told me that it did not make sense to do that because the late fees were so heavy that I was just making payments on the late fees and not actually towards my past due amount. Yesterday I spoke with a representative who informed me that I was eligible to get on a graduated payment plan that would drastically reduce my monthly payments if I could pay the past due balance. I felt so relieved! I asked to speak to a supervisor to inform them that I was displeased with the fact that my account was now two months past due because I could not afford the high monthly payment but if I had been informed of the graduated payment plan that I would have been able to pay from the get go. The supervisor then informed me that the previous representative was misinformed and that my account was in fact NOT eligible for graduated payments. I am now back at square one. I am receiving information on my loan and repayment options that are not true and I am not receiving the assistance and customer service that I believe that I deserve. I have tried very hard to portray how important maintaining a good standing with the company and keeping up with my payments is to me and First Mark just does not seem to care. I am unsure of what my options are now. I can not afford the only option they are offering me and I am confused because I am getting information that is true and helpful one second and then nothing the next. I have informed the company of how disappointed I am with the services and they seem to care less and have not offered to assist me in anyway.
So Chase issued me a credit card, before receiving the card, account was closed alreadt by the bank. I dont understand why they would issue me a credit card if my im not eligible on having it. They should have known before issuing me a credit card if i'm qualified, not after opening it. My credit score got  affected because of my account closed. I tried talking to chase about reopening it but nothing happened.
I got notification via   XXXX   XXXX   that a new debt was placed in collections ; I had no knowledge of this company listed on the debt ; I called  XXXX  who advised me a loan was taken out via the internet in  2010  ; I have never received a bill, notice, or any attempt to collect. the debt was then sold to a creditor as the 7 year timeframe was ending.
On XX/XX/XXXX, Ocwen Loan Servicing received a payment from XXXX XXXX XXXX XXXX ( of XXXX XXXX, MI ) of {$80.00}, XXXX, paying off my outstanding mortgage balance with them. I have an escrow account with Ocwen with a balance of {$980.00}. On XX/XX/XXXX, I contacted Ocwen about the distribution of my escrow account and inquired when I would received the funds. I was told by a customer service representative that I would have the funds within 18 calendar days, which would be on or about XX/XX/XXXX. After not receiving the funds, I contacted Ocwen on XX/XX/XXXX and asked for the whereabouts of my escrow refund. I was told that the " check was mailed on XX/XX/XXXX ''. As I explained that First Class Mail from Florida to Michigan does not take one week, I was then told to contact my local US Post Office, as there must be an issue with them. I was also told to " give it some more time '' and to not contact Ocwen until after XX/XX/XXXX. I did not wait and contacted them again on XX/XX/XXXX. I explained my previous calls to Ocwen and again was told that the check was mailed on XX/XX/XXXX and to " be patient ''. I was for the check to be cancelled and to overnight the payment to me. I was told that was not possible and that if I asked for the check to be cancelled, it may delay my refund by another month. 

It is my understanding that Ocwen has 30 days under Federal law to return my escrow funds to me. I has now been 31 days and I am still getting the runaround from Ocwen. I would like the CFPB to contact Ocwen on my behalf and request the release of my funds.
I did an online money transfer to Western Union in the amount of {$500.00} ; which was paid through my bank and funded onXXXX/XXXX/15. One day after, I called just to make sure that they receive he money I wired and I was told that I can go ahead and tell the receiver in the XXXX that the money can be picked already. My aunt who is senior citizen had been back and forth to the pick up location in XXXX and was told that the money is " held " by the sender. I had made XXXX other calls to Western Union and each time they told me to be rest assured that the money can be picked up already. I called again today and low and behold I was told that it 's till in progress! This is ridiculous and very dishonest not counting the hassle it caused to my family.
This account is in someone else name a XXXX XXXX my name is XXXX XXXX I have never had XXXX account in my name my XXXX account is in my wifs name XXXX XXXX this is not my account
I originally had an account with XXXX XXXX back in XXXX, I filed for chapter XXXX, and that account was included. While the ch XXXX was underway, the original company sold this account to calvary portfolio service. My bankruptcy was successfully discharged as of XXXX/XXXX/XXXX. Recently, last week calvary portfolio began sending me collection letters AGAIN, offering me a settlement which violates my terms of my chapter XXXX case that was completed. I will included my discharge letter, a page from my credit report and the original account information.
As of Saturday, XX/XX/2018, I paid my XX/XX/XXXX payment on XX/XX/2018, I have called several times, but still not posted. Naviet said I owe them back fees fro. XX/XX/XXXX to date and along with XX/XX/XXXX {$10.00} flate fee, not true. All said back fees were paid with a Repayment Plan payment 6 months ago for {$250.00} Naviet will not split the fee and payment and credit me. My complaint is emotional harassment and frustratation about their deviance and unethical managing our student loans. I am filing to jump on board the different State Attorney Generals who are suing Naviet for their practices. Thanks XXXX XXXX, Naviet customer and XXXX Struggling Veteran paying my Student Loans.
On or about XX/XX/2018 I requested a Investigation on my credit report with Equifax File number XXXX and another file number XXXX. On both of these claims I can not get any information from Equifax either by E-mail or united States post office mail.
Because my information is embezzled, so many account I do not know when to open, I know have no regular bank checking account, any bank in the XXXX XXXX will not open a checking account, I want to ask why, because it is not my own, why do not give me, actually I am a XXXX?
I had leased a XXXX XXXX XXXX from GM Finance. I returned the car at the end of the lease period XXXX XX/XX/XXXX ). I made ALL OF MY LEASE PAYMENTS ON TIME during the lease period. There was NO PAYMENT DUE when I turned in the car. 

My GM Finance account, however, continues to remain open and I continue to get billed every month, even after the car has been returned and I no longer own the car. I verified with the dealership where I returned the car - they did send my car return paperwork to GM Finance. They even resent it in my presence. 

Since I have not been paying these post-car-return " bills '' which are accruing for no reason, my account is now wrongly deemed DELINQUENT. If that was not bad enough, GM Finance has reported my account to the Credit Agencies as DELINQUENT!! 

The above has negatively impacted my CREDIT SCORE and has affected my ability to get mortgage for a house I am in the market to purchase. 

I have called GM Finance Customer Service NUMEROUS TIMES. Additionally, I have submitted complaints from the GM FINANCE Website and through Customer Service emails. I have also asked for help through GM FINANCE XXXX page. 

The Customer Service Agents I talk to one the phone seem powerless to do anything and " we will forward your case to the right department '' is the stock answer. Emails to customer service and complains submitted from GM Financial website are not responded to at all. 

After more than a month of trying to get my account closed, I have not been successful. The account is still open and I get warning letter from GM Finance Collections Department about supposedly " overdue '' bills. 

I need GM Financial to close my account and take steps to fix my credit score urgently.
I contacted Loan Depot in XXXX of 2018 to investigate a possible loan. I made it clear to all on numerous occasions that I was not yet ready to apply for a loan. Further, I made it clear to everyone I talked to, that I was 'shopping a loan ' and doing my due diligence. I specifically and vociferously made it clear that I was not authorizing ANY hard credit checks.

1 ) Loan Depot was never authorized to make a 'hard inquiry ' of my credit 2 ) I never applied for a loan with Loan Depot , giving neither verbal or written permission to check my credit score 3 ) My 'loan ' ( which I never applied for ) was denied because I had not finished the application process 4 ) Two hard credit checks were made to my account, which plunged my credit from a score of over 800 to under 700, making a home equity line of credit at my bank impossible. 

On XXXX XXXX, 2018 I sent the following email to all my contacts at Loan Depot : RE : Customer ID? LOan #? XXXX, XXXX, XXXX, Dear Sirs, The number ( s ) referenced above are from various email I have received from Loan Depot. I don't know whether the numbers represent loan # 's or customer ID.

I am confused as to my recent XXXX rating. When I began the process of shopping for a loan, my credit rating was over 800. It is now in the mid-600 's due to Loan Depot making hard credit checks expressly against my wishes. Furthermore, XXXX  and Loan Depot now report that I was denied credit by Loan Depot for 'incomplete application '. Of course, it is 'incomplete ' .... I never applied, or signed, a loan app with Loan Depot.

Let 's be clear : I never applied for a loan with Loan Depot. 

When talking to your representatives ( XXXX, XXXX, XXXX, XXXX, and others ), I made three things abundantly clear : 1 ) my inquiry was 'soft ', I was doing my 'due diligence ' to survey rates and closing costs and under no circumstances was my inquiry to be taken as an 'application ' because 2 ) I did not want hard credit checks dinging my rating while I shopped my loan, and 3 ) I was not applying until I had all the required documentation gathered.

The 'how & why ' an application that was never submitted or signed by me, was denied by Loan Depot , is irrelevant at this juncture.

What is Loan Depot going to do to correct the situation? 

regards, XXXX XXXX
We had a loan with  TD Auto Finance  on our   XXXX   XXXX   XXXX   XXXX  . On   XXXX   XXXX   XXXX   we purchased a new home. Part of that purchase required us to pay off our car loan with  TD Auto Finance. A  cashiers check in the amount of {&gt;= $1,000,000} was sent on   XXXX   and the vehicle was paid in full.   At the same time we were negotiating a settlement with   XXXX   XXXX   XXXX   XXXX   on the  XXXX   XXXX   XXXX   XXXX . We had a claim in progress at the time of paying the car off. The appointment to present the car was on   XXXX   XXXX   XXXX  . We took the car and title to the appointment.  XXXX  paid us a total of {$28000.00}. {$14000.00} was paid to us and {$13000.00} was paid to  TD Auto Finance.     TD Auto Finance  received that payment on   XXXX   XXXX   XXXX  . First we were told that the funds had to be held 21 days and they would then be mailed to us. We called in 21 days and the story changed to 31 days, then to 45 days. To make a long story short their story changed every time we called them. These funds are court settlement funds and should have been forwarded to us, instead  TD Auto Finance  cashed our check and they have held the funds every since. Today is   XXXX   XXXX   XXXX  .    TD Auto Finance  states that on   XXXX   XXXX   XXXX   they returned the funds to   XXXX   XXXX   XXXX   XXXX   by regular mail. We have been in weekly contact with  XXXX   XXXX   XXXX   XXXX  and to date the check has not been received. We calle d TD Auto Finance    XXXX   XXXX   XXXX   and the check has not been cashed. We are getting no response from either  TD Auto Finance  nor  XXXX   XXXX   XXXX   XXXX  and our court settlement payment of {$13000.00} has not been received.  TD Auto Finance  has held our funds  hostage  since   XXXX   XXXX   XXXX  .
I submitted a dispute because there was a fraudulent inquiry on my credit report. I spoke with the company XXXX XXXX and they cancelled the application. XXXX XXXX also sent out correspondence. I decided to dispute the inquiry however, Equifax is did not remove the inquiry stating " Inquiries are a factual record of file access ''. This violates FCRA. Equifax was suppose to contact the data furnisher to verify whether it was fraud. Obviously Equifax did not do anything because clearly Equifax feels all inquires are factual even if fraudulent. This is not the only time an inquiry was fraudulent and I received this dispute response. I have entered into litigation with Equifax before and I do not mind filing suite again.
I have sent IRS Not ice of Withdrawal of Federal Tax lien to  Equifax,  XXXX  and  XXXX  to delete the entry from our records, and they have not.
I wanted to transfer money from my debit card to a bank account in XXXX. 
This was denied by Western Union after asking multiple questions and accusing me of fraud.
Refused to cease and desist from incorrectly reporting on my credit bureau report. 

Stellar Recovery Collection Agency of XXXX XXXX XXXX # XXXX, XXXX, MT XXXX is incorrectly reporting a XXXX XXXX XXXX ( XXXX ) account on my credit bureau reports. XXXX provided cable services to my home. During their repair process XXXX XXXX ( and sub contractor ) did over {$1200.00} damage to my home. I promptly brought this to the attention of XXXX and they refused to take responsibility so I cancelled my service with them and did not pay them any more money leaving a final bill of about {$570.00} which I refulsed to bay because of my damage claim offset. 
On XXXX XXXX, 2015 I got a written acknowledgement of the damage and an offer to settle accompanied by a release form. The offer included waiving the balance and a payment from XXXX of {$910.00}. 

Despite having provided copies of these documents and several conversations with the collection agency the company still reports this as " Customer Disputes '' to the credit bureaus. This reporting does not factually, or correctly, describe the circumstances. XXXX owed me money during the period in question and gave me a credit for it. The current reporting negatively impacts my credit bureau scoring and does not accurately reflect that this money was credited to me as a result of negligence on the part of the creditor XXXX. 

I have asked the collection agency to cease and decist from this erronious derogatory reporting and they refuse. I want this completely removed from the bureau reporting as at the creditor actually owed me money while they were reporting me as delinquent.