WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX personal checks were stolen from me the end of XXXX 2015. XXXX check was cashed for {$30.00}. The other check was not used. I contacted my credit union immediately and placed a stop payment on the check for {$30.00}. The credit union reimbursed me the {$30.00}. I filed a police report and the thief has been apprehended and charges filed. I received a telephone call from TRS Recovery Services asking for payment on the {$30.00} check ... ..I told them it was a forged stolen check. Then in a few days I received a debt collection notice from TRS Recovery Services for the {$30.00}. I did not respond as I had spoken on the phone to them already. I tried to use a check at a local store after this incident and was refused. I contacted Telecheck XXXX XXXX XXXX an affiliate of TRS Recovery Services , Inc., filled out their form and attached the required police report, bank information and faxed it to them. They sent back a letter from their resolutions departmeent stating I sent accurate information. According to Telecheck my account is cleared. I just received a second debt collection notice for the {$30.00} from TRS Recovery Services , Inc . I have attempted to reach them by telephone and get a recorded set of instructions, and when I press XXXX to talk to a representative no one answers and it disconnects. I tried calling the resolutions department at Telecheck XXXX XXXX XXXX with same result. They are affiliates who are taking advantage and collecting money they are not entitled to. I wo n't be sending them anything. I also am concerned about my personal information I submitted on their form ... .soc. sec. #, bank routing and account #, DOB, name, address, telephone #. I 've had to close that bank account and open a different account. I see there are many other complaints about TRS Recovery Services , Inc. and Telecheck XXXX XXXX XXXX from others. They are financial predators. How can I protect my identity now that they have personal information? How can I stop the harrassment of debt collection attempts? Thank you for your kind assistance.
In XX/XX/XXXX I had XXXX as a provider for cable/wifi services for a rental location of XXXX XXXX XXXX, XXXX, MI, XXXX. Account XXXX. XXXX. During my service, I opted for automatic payment from my credit card to ensure that all bills were paid on time. In XX/XX/XXXX, I called and formally terminated my service, as my lease was up at this location. I was told my account was paid in full. My last payment posted on XX/XX/XXXX in the amount of {$49.00}. Because of the partial month, I was issued a credit on XX/XX/XXXX in the amount of {$37.00}. 

On XX/XX/XXXX, I had mail forwarded to me by the US Postal Service, from Diversified Consultants, Inc. who informed me that they have been referred by XXXX for collection of {$37.00} debt. XXXX XXXX XXXX XXXX : XXXX. 

I contacted XXXX for the 3rd time since XX/XX/XXXX and spent and hour on a chat session ( chat ID : XXXX ). I was informed that XXXX would be issuing a credit, so that there would be a {$0.00} balance on my account and that the collection effort would be terminated. 

In so much that I have continually attempted to affect a complete closure of this account, I have no faith that this errant debt collection will be terminated. Both companies need to be punished for their failures to appropriately account for my service.
I recently became unemployed and reached out to Key Bank for a work extension. They initially told me to get my start date of my next job, which I did then they told me they also needed my salary which I am waiting on for HR to call me with that information. When asking keybank about lowering my payments from a whopping XXXX a month they said that this is something they could not do because I had exhausted my 18 months ( for the entire loan ) of deferment/forbearance time. They told me to contact XXXX XXXX who I pay the loan through to see if they could lower payments, which I did and they also said there was nothing they could do either. They checked to see if I could get graduated payments which would lower payments for a number of payments then skyrocket payments towards the end of the loan which is not the goal either. I understand that I am responsible for the loan and the payments however no one is willing to work with me in order to make the payment of the loan more reasonable. They keep telling me there are stipulation and regulations that must be followed. At one point when I first started paying the loan back, one customer service representative told me I should have done better financially preparing and that there was nothing they could do. I am an XXXX going into my XXXX year of XXXX and sadly enough after getting and completing several degrees I still do n't make nearly enough money to comfortably pay my bills and student loans. I will not make over XXXX dollars in this upcoming XXXX year. I would think after completing my XXXX degree it would be different and it is n't. I would be okay with a lower interest rate or lower payments, something more reasonable like XXXX to XXXX monthly. Keeping in mind that I still have federal loans to also pay for. Again I am aware that this is my responsibility and I am not trying to get out of paying the loan, but for each company to continue telling me there is nothing they can do is unacceptable. Its as if they do not care to work with you to make sure the loan gets paid. Since I started repaying this loan back in XXXX, I have been on time with the payments. I would love some help to better help me pay this loan on time and more affordably. Thanks
We are trying to work through the process of trying to close on my  Aunt 's co -op, located in the neighborhood of  XXXX . For several weeks our attorney has tried to get the official pay off documents so that the closing can move forward. It 's not a complex process because our buyer is offering cash for the deal. The bank has stalled and delayed and stalled to the point that we are going to lose this buyer and have to begin the whole process over again. Considering how hard it is to find a buyer who is approved by the Co-op board, we would like to avoid thi s. M & T Bank ha s been of little help. We get excuses. We get promises and still we wait. The bank simply says, " well, we 're waiting on the paperwork from this person or we 're not sure where the document is. '' Meanwhile we are getting a financial hit because we have to continue to maintain the property, maintain the utilities and pay co-op fees.     We, including our attorney, are frustrated. HELP!
Have bee trying to get refinancing to an affordable note with Wells Fargo since before my husband died in XX/XX/XXXX. I have jumped through all kind of hoops for Wells Fargo including starting a probate process that they said was required and that when I received testamentary letters, I would be able to refinance and assume the mortgage. Well, I did that ( which cost me all my savings ) and that was not enough. I then sought bankruptcy protection in XX/XX/XXXX, through this process I was able to stop having sale dates ( at least 8 sales dates and 9 separate applications between XX/XX/XXXX and XX/XX/XXXX ). While in bankruptcy ( still in bankruptcy until Wells Fargo finalizes the  refinance, net date is XX/XX/XXXX ) I was able to received another application and this time received a trial payment ( that was almost 50 % of my VA dependent compensation as opposed to 30 % ) but I have paid it and paid it on time since XX/XX/XXXX. Wells Fargo has now been requiring me to go back to the probate court and they want an order that the matter is closed but I do n't have money for a lawyer and I ca n't act pro se in the probate court although there has been no activity their since XX/XX/XXXX. 
For the last four months they have been sending me this form asking for missing documents, it list two categories with directions to produce a choice of documents listed. I have complied, choosing my husband 's death certificate as the choice for the first category and our marriage certificate for the choice in the second category. Those selections which I have repeatedly complied with obviously are not being accepted although indicated as choices on their form. They have never specifically told me a specific form to provide in their written communications or phone conversations other than suggesting that the probate should be closed and I need a lawyer for more specific explanation. There are no liens or other interest or claims for our home and in fact the only document that has been filed in our property records is the heir ship affidavit that they originally said was not sufficient and I had to get testamentary letters from probate-which turned out only to cost me all my savings. There is nothing valuable here other than my home so there is no lawyer that will touch it as there are no assets from which they can be paid. 
My issue at this point is that Wells Fargo 's representative is making an arbitrary decision for not proceeding ( my home is probably more valuable to them if they sold it ) because the form they keep sending me which I have produced appropriate documents as indicated on that form but they wo n't tell me why they are not proceeding although per their form I 've complied.
My mortgage loan was transferred to them from XXXX ( XXXX XXXX XXXX ). Since XXXX XXXX, XXXX. 
I have been trying to contact them to know how I am going to make my mortgage payments. So far they have not answering my requests. I am afraid they will charge me late payments fees and who knows what else. My next due payment is XXXX XXXX, XXXX. I have not received any notification from them, any information about how to make payments. Frankly when you talk to them even to make payments they are so rude that I do not want to spend more time with them. I got the money to make my mortgage payment on time but I do not know where to send the payment and they do not collaborate. I want not to imagine what will happen when they realize that they have not received my payments. Surely they will start charging late fees and reporting me a past due payments and everything else that happen when you do not pay your mortgage.. It is not fair and somebody has to stop them of doing this kind of scams. Please help me.
The Equifax hack has resulted in my personal information being released into the public domain. I 've attempted a credit freeze with equifax, however both phoning and web attempts to freeze my account have been unsuccessful. The phone number provided by their website does n't actually offer the option to freeze my account, and the website does n't load.
XXXX XXXX XXXX has violated the North Carolina Collection Agency Act section 58 70 100. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act section 805 Communication in connection with debt collection [ 15 USC 1692c ] If a consumer notifies a debt collector in writing that the  consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further with the consumer with respect to such debt. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act section 806 Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

XXXX XXXX XXXX has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumers cellular base telephone number using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ).
We were contacted by mail b y Convergent Outsourcing Inc. (  letter dated  XX/XX/2017    ) in an attempt to collect a " debt '' for {$2600.00} to  XXXX . We have never had an account with  XXXX . This is a scam company. The next wee k ( letter  dated   XXXX   XXXX   XXXX     ) we received a letter supposedly from  XXXX , attempting to collect a debt of {$2600.00}. I called  XXXX   XXXX  the real  XXXX   ) a nd gave them the " account number '' at the top of the letter. Sure enough, it was associated with my husband 's name. But the account was " under collection '' and they could n't tell me anything about it. When I told them this was being done by a scam company and we did n't have a real account with them, they told me to disregard the letter. I asked that a complaint be reported to a supervisor at  XXXX  since Convergent is engaged in illegal actions using  XXXX  's name.   I am concerned that many people are being scammed out of money by this company. The letter said that if we did not pay, that  XXXX  would be authorized to charge the full amount to what ever credit card we had on file with them. If someone had received this letter and actually did have a card on file with  XXXX , that would be very scary! Please do whatever you can to shut this company down!
We had been told by Barclays that that we had deferred interest if we made a purchase from XXXX. We need to respond to the email or call if we wanted this offer. We replayed to email, now we are being charged interest. And was told by a customer representative that we never request this offer so we are being charged 24 % interest on purchase attach is email from Barclays and at bottom our request for deferred interest offer.
I set up auto pay and they refuse to stop calling me even though I called them back today and explained the situation. There is some problem with auto pay even though they have my bank account number and authorized it.
Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX XXXX XXXX   were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report. 
Now, XXXX XXXX are trying to collect the 'non ' debt.
On XXXX XXXX, I saw a TV sale at Target. I have a Target Credit Card and knew my limit was {$4800.00}. When I tried to purchase a {$840.00} TV online, I was denied. I called Target and was told my limit now was {$200.00}. The Customer Service Person told me that in XXXX 2015 my limit was reduced to {$2000.00} and in XXXX it was again reduced to {$200.00}. The reason for this reduction according to Customer Service was that I had not used the card in at least 9 months. He told me it was not my Credit Score and in 70 days they would review the limit again. However, I needed the TV now. 
The reason of my complaint was that Target never informed me when they reduced my limit not once but XXXX. I even expressed this complaint to Target 's XXXX department.
This is not mine cause if it was i would not have XXXX under my name now and my bill with them is completely up to date!!
The account listed on my credit report from XXXX is listing the account as settled for a lesser amount. I had two accounts on my credit report from them the original account and a judgement account. The original account still remains which is fine, but I paid the full balance of what was owed on the vehicle, as I was garnished by XXXX  for the amount. They filed a Court claim and I did not receive the initial information, and they received a judgement. Under the new reporting rules, judgements can not be listed or referred to on the credit reports. Therefore, XXXX  is reporting inaccurate information under the original account when they state the account was settled for less than the original amount. I disputed this information in XX/XX/2019 through Transunion and advised of this, asking them to dispute this information. Transunion came back after a few days saying the information was accurate. 

This is not accurate as I paid over {$20000.00} to XXXX  regarding this vehicle account and the original amount was {$14000.00}.
I have been making payments to XXXX in regards to bringing my past due account current. I was told by a customer service rep at XXXX upon agreement that as long as I am making payments according to the agreement to bring my account current, that I would not be reported any further delinquent on my credit report. I recently received an alert that I was reported 120 days late and I have made payments on- time according to the agreement with XXXX . They have therefore reneged on their part of agreement with me to not report my account any further delinquent when I have made payments on time according to the agreement set forth 2 months ago.
Credit Card was opened under my name when i was fourteen years old. The information does n't match.
I recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : Experian : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Experian address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  fraudulent accounts :  Account Name : XXXX XXXX XXXX  XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX   Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX  Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , GA XXXX XXXX fraudulent accounts ; Account Name : XXXX XXXX XXXX  XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : PXXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXXXXXX XXXX   XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX
XXXX XXXX, 2017 I turned in my vehicle to XXXX because it was being bought back under the lemon law. I was issued cashiers check for {$45000.00}. 

I immediately went to union bank branch but it was already closed. So I used atm to deposit cashiers check at XXXX XXXX. 

Today on XXXX XXXX, I spoke to union bank and they informed me that a 10 days hold was placed on check, that no funds would be available until XXXX XXXX. 

I have to go to XXXX with my family tomorrow, as well as it is my birthday tomorrow. I have no vehicle now, had an appointment to get a new car today but obviously dont have the funds for it now. 

On the XXXX I have court and wont be able to go to that. Then on the XXXX I am going on vacation but wont be able to do that now either. 

How can union bank refuse to release any. Of my funds whatsoever, all they have released is {$200.00} dollars. My XXXX and birthday is about to be ruined.
The collection accounts were included in Chapter XXXX Bankruptcy. Financial Data Systems ( FDS ), the collection agency, received notice. The original creditor is to be paid by the bankruptcy trustee as listed on the Schedule F of my bankruptcy documents. FDS refuses to mark the accounts as " included in bankruptcy ''. Rather they keep the accounts marked as " medical '' implying that they are actively collecting on the accounts. I have made multiple inquires to XXXX, the only credit reporting agency that continues to list the accounts. They also will not correct the accounts. I view this as the debts still being collected on by the FDS until they are marked correctly so that future creditors will know I am not in active collections or until the accounts are removed all together.
The following account has been paid on time with no history of late payments : XXXX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Federal law requires that Transunion provide mechanisms to ensure that each item on my credit report is reported accurately. The above item is inaccurate, misleading, or incomplete ; They may have violated federal law. 

I have enclosed copies of the good standing letter as proof of on time payment history with no history late wit XXXX/XXXX XXXX  XXXX. This is proof that Transunion has an inaccuracy on my credit report, therefore I demand that they update this account immediately, & all references on my records. In light of the provided document I expect Transunion to correct this inaccuracy immediately. I would also like a re-score and an updated credit report showing the correct information and my true credit score.
On XXXX XXXX, 2014 I went to a XXXX club in XXXX XXXX named XXXX. I do not remember most of the evening and believe I was drugged. My debit card and XXXX XXXX flagged transactions as suspicious from the establishment but American Express accepted {$9300.00} in charges from XXXX that evening. My monthly closing date for the month was XXXX XXXX and my statement showed a balance of {$30000.00} for a card with a credit limit of {$21000.00}. 

I contacted AMEX and disputed the charges and filed a police report online with the XXXX XXXX Police Dept. A coworker was with me that evening and says he pulled me out before most of the charges were applied to my card and timestamped e-mails from the night support this claim. XXXX AMEX says the establishment sent evidence that I am responsible for the charges but they refuse to send that to me. I asked for itemized details of what I was charged for and this was not provided. I was only given some, not all, of the receipts requested from the night in question. AMEX told me they would do nothing else until they receive a copy of a police report but no action appears to have been taken by the police from the police report I filed. I wrote them in writing to inform them of the dispute within the 60 day limit and again after their response within 10 days indicating I was refusing to pay as detailed in the membership agreement. 

I am suspicious that AMEX may be violating the law by permitting an unreasonably excessive amount of charges over my credit limit ( my limit was lowered from {$25000.00} to {$21000.00} a year or two before this incident ), by not providing evidence that I could have agreed of the transactions or any details as to what those transactions could have corresponded to.