WillisBack/dataset-financial-user-claim huggingface dataset:
Debt was paid by insurance company in XXXX 2015. Trinity Hope knew the debt was paid as an email was sent by the billing company to Trinity Hope at least on XXXX XXXX, 2015. The billing company and the insurance company do not have any records of another " mystery '' debt they claimed I owed. They would not provide the name and address of the original creditor as required by federal law so I could never validate the debt. The name of the original creditor provided in the Validation letter forward to me on XXXX XXXX, 2015 could not be found in a XXXX search. They did not provide this information to me because they did n't want me to contact the original creditor. They just continued to call and call and call and email and email me. Both the original creditor 's billing company and my insurance company has called and emailed them. Record all your phone conversations and demand that any correspondence be conducted by email. I did both and they prove that Trinity Hope violated Federal laws. I will be taking them to court on the civil side. I have requested charges be filed by the local police department for felony fraud and attempted theft.
I sent XXXX XXXX a letter regarding account XXXX asking to verify and validate account. I was notified that the account was verified but no proof of documents in original form with signatures. and no proof of a fair and thorough investigation per the FCRA.
I don't know why I must spend so many countless hours trying to get GC Services to repsond to my authroized represenatives letter ( s ). GC Services will not stop calling me even after I asked them stop calling on my cellular telephone. 

PLEASE CONTACT XXXX XXXX XXXX XXXX ( XXXX ) XXXX
I made a withdrawal on the ATM for XXXX andATM only dispense XXXX bank the ATM was low in funds .i ask to see the videos and they said they dont use it for that purpose. They just give me excuses. And no resolution to this problem.
on XX/XX/XXXX I was involved in a car accident that ended up ina total loss of the vehicle. My insurance paid XXXX on XX/XX/XXXX, Warranty refund XXXX paid on XX/XX/XXXX and on XX/XX/XXXX Gap insurance paid XXXX ( they did not pay it all the way off and left a {$2500.00} balance. I called Wells Fargo Dealer services and was told that they couldn't discuss a settlement with me until the loan file went to recovery ( 90 days ). Before the accident, I did not have any payments on that loan that were over over 30 days late. On XX/XX/XXXX I called the recovery dept and was told that if I would pay {$1500.00} of that balance then they would report it as settled for less than agreed to the credit bureaus. I paid the {$1500.00} in two payments but they never updated the reporting. I called the office of the president last week and was given a case # and told that they would have someone in touch within 24 hours. That didn't happen and as of today my credit looks like I have not made a car payment in nearly a year. I have been financially ruined over an accident where I was not at fault in any way. I am unable to get another vehicle because my credit score is now too low due to Wells Fargo and their unfair/untrue credit reporting practices.
OnXX/XX/XXXX my bank debit card was charged for {$99.00} for an app called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I did not authorize this purchase nor do I use this app for any purpose. I requested to have the funds refunded and the company wrote this to me : Hi, We received your refund request for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), but we ca n't provide a refund for this purchase because it does n't meet with our policy. We apologize for any inconvenience caused. 

You can learn more about our Google Play refund policies here. 

If you 're requesting refunds for an app ( or in-app purchase ), it 's best to get help directly from the app 's developer. You can find developer contact information on the app 's page in the Play Store under the " Developer '' section or on your order purchase receipt. 

To prevent accidental or unwanted purchases in the future, we recommend that you turn authentication on or change your password. 


Thanks, The Google Support Team
While working with this lender I have been facing many obstacles from the beginning. The disclosures were not correct when they initially sent them to me with all the incorrect information from what I was sent and they told me to sign them regardless which I knew was not right to begin with. Secondly, I have yet to receive a loan estimate which I have requested a total of 5 times to reflect the accurate amounts and totals. I am given a " fees worksheet '' which is not what I asked for and nor does it provide any of the necessary information I had requested. The loan processor keeps loosing all of my personal and sensitive information that I have provided to them. The loan office, XXXX, refuses to return any calls or e-mails and I also feel discriminated against because he only choose to talk only to my husband and not to myself especially because I am the primary signer. This company has been sending me in circles with this loan process and consistently lacking in customer service on top of it.
We are conscientious consumers who appreciate this process for clarifying and hopefully correcting errors found on our credit report. We recently went to have our credit reviewed, and we were pleased to learn that most things were handled correctly with a few exceptions. XXXX such exception, to our surprise, was Green Tree Servicing. Our original loan was established in XX/XX/XXXX, with XXXX XXXX XXXX. 
As described in other complaints against other mortgage companies, we lost employment due to layoff. We continued making payments on all accounts until XX/XX/XXXX, at which time we notified all lenders that we were unable to continue payments. At the time, our FICO score was XXXX ( see attached ) ; we hoped that we had proven ourselves as good customers and could work with lenders in good faith. Unfortunately, lenders advised us to let our accounts go " 3-months delinquent '', then they could help. The only thing that accomplished was to have our FICO score continue to go down. We contacted XXXX ( Federal National Mortgage Association ) and was assigned an analyst. We submitted all paperwork requested including an income and expense form, a list of all lenders and authorization to pull our last two-years of tax filings. After reviewing our submissions, the analyst concluded that we were eligible for " Deed in Lieu '' of Foreclosure for the mortgages. Green Tree was notified, and we went forward completing and having certified all of the documents they sent us, and we returned the documents along with the keys to the property. 
According to information on our credit report, the " Deed in Lieu '' final document was recorded XX/XX/XXXX. A copy of the form has been attached. However, Green Tree did not complete the paperwork that would show the XXXX balance on our credit report ( attached ). They appear under " Derogatory Tradelines '' as reported " XXXX '', and the account shows as a " Closed/Foreclosure ... '' Contrary to the zero balance shown under Property History, this form shows a balance of " {$92000.00} ''. 
For clarification, my husband is the veteran.
I was a XXXX customer for over 12 years. One day I got the family plan with four phones. They told me that I qualified for a free tablet. I told them I didn't need it, wanted it or the extra cost. They told me it was free and wouldn't cost me anything. I asked is it 100 % free and they said yes. So I agreed to take it. I was told the bill would be about {$200.00} a month and I would also receive a {$600.00} rebate. It was not a mail-in rebate it was an in store rebate and there was nothing for me to do. 

The first bill was higher than expected but they told me that would happen so I wasn't worried, cause this happens every time I got a new phone with XXXX. On the second month the bill was still over {$900.00} I called them up and told them about the rebate that they never applied. after a few months of this happening I noticed that my bill was closer to {$270.00} a month. 

When I asked why it was so high they told me it was because I had five lines and I was paying for equipment cost. I told them I only had four lines and that I didn't have an equipment cost cause I got the free phones.They said I had a tablet and that was the fifth line and the equipment cost. I asked about it being free and they said that it didn't cost me anything the day I got it. I explained to them the meaning of " free '' but they had a different definition.then I did. I told them that I wanted to return the tablet and remove the phone line. I was told that they could not do that because I had the tablet for so long. I would have to call up XXXX to get it removed. 

When I called XXXX they told me I would have to pay a cancellation fee and pay off the tablet. I was not allowed to return it. The service at this point was so bad that I decided to cancel the entire contract. They originally told me I owed them {$900.00}. I asked about the rebate and they said I wouldn't get it cause I was canceling my account. I told them I wouldn't cancel if they got my bill right and give me what was promised. 

A few months later I got letter from a Debit collector claiming I owed {$1800.00}. I explained the entire story to them and they said they would close the account for {$1200.00}. One day I was looking at my credit report and noticed I had a collection notice for {$1800.00} I filed a dispute and for the past three years I have not heard from them or had a remark on my credit report. A few months ago I got a call from a debit collector telling me I owed the money. I now have a negative remark. After three years of not hearing from them they are now trying to collect on a debt that was taken care of? Can you please help me with this matter?
Chase Mortgage sold my mortgage to XXXX XXXX, prior to the sale. My principal balance was {$84000.00}. In fact, I had received a statement from Chase for that amount. 

Chase allegedly claims a Subprime Mortgage was done, I never agreed to the terms or a Sub Prime Mortgage, I was applying for the HARP Program, since Chase is a Bank, the Federal Government gave Chase Millions of dollars to help home owners with upside down  mortgages hit by the Real Estate Bubble of XX/XX/XXXX, I was one of those clients. Chase initially gave me a 36 months military payment plan of 1 percent at {$460.00} a month. Later, Chase sold my mortgage to XXXX XXXX for {$240000.00}. Now, XXXX XXXX is planning to foreclose on the Property on XX/XX/XXXX if the amount of over {$20000.00} dollars is not cured by then. 

The other issue, is I was in Bankruptcy and when the Mortgage was released from the Stay. XXXX XXXX added all the late fees and charges. 

This is the same Sub Prime Mortgage Scam Chase Mortgage was fined for XXXX XXXX dollars. 

I need the Consumer Protection Financial Bureau to investigate this matter on Chase as soon as possible and communicate to Select Portfolio of this wrong doing to avoid the Foreclosure date. 

Chase mortgage XXXX Loan number : XXXX
This complaint will envolve Transunion credit bureau, The USPatriot Act of 2005 and numerous credit reporting agencys that have ruiened consumers to get financing due to personal info being shared by any business, credit reporting agencys, Federal banks and anyone who wants to pull someones info in their personal credit file without their authorization .This is unfair and fraudulent activities of the credit reporting agencys and Transunion to release information to anyone who asks for it. Idenity theft of all these credit reporting agencys and the USPatroitAct of 2005 put in by President Bush. I will be attaching numerous credit reports also XXXX XXXX regecting me a bank account due to inaccuracy and Fraud being released by these bureaus and I have nothing in there to be denied a checking or savings account. And also I want this sent to the US Congress a complete revision of the patriot act on behalf of the consumers. We only need 1 credit bureau
a debt I want to resolve but the amount has been XXXX they want down payment of a little over {$400.00} before they talk about a program to get on. I am really concerned about the amount. the company is Midland Funding LLC. collection agency, I do not have that kind of money. I defaulted but I want to do the right thing. The account debt was bought from XXXX the original credit card issuer. The sum of {$1500.00} as the principal amount. Please help.
Ten years ago, I went into a bad XXXX program that did nothing for my future. I lived off loans and eventually landed a job only to be laid off in 2008. I held part time jobs and tried to pay down some of my loans but when I decided to go back to school, the loans were in deferment. Now I 'm a teacher and trying to pay off debts but the once XXXX XXXX now Navient loans have almost tripled in size. I do n't know how to pay them off in my lifetime. Their staff is rude, the calls from them are harassment, unhelpful and I 'm trying to figure out a concrete plan before I start giving them money. I fully intend to reach a settlement and pay that sum off. I should have never been approved for these loans in the first place. I also hold blame to the University XXXX 's financial aide department for allowing this to happen as well. I was young and too naive.
I am disputing the results of Wells Fargo 's investigation into my claims of Predatory Lending and Mortgage Fraud
XXXX   XXXX   XXXX  had a no interest money back guarantee  with Wells Fargo. T he guarantee was if the  XXXX   XXXX  and product did not work properly then return the   XXXX    XXXX  for full refund. I returned the  XXXX   XXXX  because I was told by  XXXX  that my   XXXX   XXXX   were too small and could not work properly.  XXXX  agreed that the   guarantee was not met and thus they would take care of debt with Wells Fargo.
That is the last I heard of it. I do not owe Wells Fargo an  y money for   XXXX   XXXX    XXXX  in  2014 .     Further, they have and continue to violate  my HIPAA and PHI rights by communicating information protected under HIPAA to many third parties that have not right to any of my protected Medical Information. They have communicated this HIPAA vio lation while I have been on the phone and they are communicating to a third party without my authorization.      XXXX  also continues to communicate with third p a  rties and violate my HIPAA rights. Now we have our attorney working to correct and protect my PHI and HIPAA rights.
In XX/XX/XXXX of this year I attempted to purchase a credit repair program, from someone named XXXX XXXX, one of his Company websites is XXXX, the cost of this program was {$1000.00},. I did a XXXX transfer. In return all I received was a data dump of useless information, it was the equivalent of buying a tv and opening the box to see a box of bricks. I attempted to retrieve my money from XXXX XXXX, but he began to ignore me so i attempted to request my funds back from Bank of America explaining the situation and that I was a victim of a scam. the claim number was XXXX, I also filed 2 claims with the FTC XXXX and XXXX. Unfortunately Bank of America was not able to assist with this and closed the claim. 

I am mentioning this claim because it was mentioned as an issue by one of the representatives, when I began trying to understand why a 10 year old credit card account was excellent payment history and in current and good standing was closed. 
I have been a customer of Bank of America for over 20 years with no issues until recently. I received a letter in the mail stating that my credit card of 10 years had been closed due to unusual authorized user activity. When i called for clarification no one was ale to explain what exactly the activity entailed. I inquired whether adding and removing authorized users was a violation of my terms and they said no it was not. After dialing multiple numbers I did speak to a representative in the credit department who stated that I had a claim on my account, but I mentioned to him that it was not my credit card that had the claim, He still inferred it may have some bearing on the decision. Ultimately I was given the answer that XXXX filed a report about my authorized user activity, but Bank of America could not provide the report. After my calls I also received several contradictory letters stating the account was open and my account history which was all excellent, this left me confused. Since Bank of America is the issuing Bank I would think ultimately the decision is theirs to open or close my account. I feel i was treated unfairly to have my account closed without a chance to dispute. Since then my credit score has dropped drastically due t losing my oldest card, which has made it difficult for me to get financing for my businesses. I also have a {$79.00} credit on the card that I am not sure what to do with since i can not charge anything to the card and can not transfer it to my other accounts.
I received a letter dated XXXX/XXXX/XXXX for " XXXX XXXX '' in the amount of {$870.00}. This debt is not mine, I never enrolled into this college. I filed a claim with the CFPB XXXX in XXXX and received this response from Ability Recovery for this account : " I have requested that the XXXX XXXX account be removed from your credit report and I have accordingly closed the account here at Ability Recovery Services. If you need anything further please feel free to contact me at XXXX XXXX. Thank You XXXX ''
Upon enrollment into a graduate program, my loans were automatically entered into deferment status. I did not request a deferment, nor was I asked if I wanted to defer my loans. Additionally, it took three different calls to speak to a real human being. The IVR hung up on me twice.
On or about XXXX XXXX, 2017, I tried, on line, to open a joint savings account with XXXX XXXX, a bank I have done business with for 21 years. XXXX rejected the new account based on " information contained in a credit report ''. They referenced Transunion, XXXX and XXXX. 
There are no problems shown in the Transunion or XXXX reports for my wife or I. 
I did not get a " notice of rejection '' from XXXX. 
My wife did get a " notice of rejection '' from XXXX. Because of this we got a report from XXXX, in my wifes name, they indicate no problems. 
Some where out there is a blemish on either my wife or myself and since no one will tell us what the problem is, we can not fix it. 
I have talk to two people at XXXX on seperate occasions, they both stated the rejection was because of information contained in a credit report.
I called to resolve a debt for my daughter that's a minor under XXXXyr old on XX/XX/18 which myself holds the insurance information & was told that I cant take care of it without her permission. amount is {$490.00} she should not be responsible for a debt that I have insurance for.
This is a follow up to complain case # XXXX. 

PayPal closed my dispute without resolution and by making deceptive statements. I never was able to claim my money that was transferred which is the root of this complaint. PayPal called me once on a Saturday and left me a message. I was not able to retrieve the voicemail until the following week upon which I learned PayPal closed my dispute via snail mail two days after the left me a voicemail. They never emailed me ( my preferred method of contact as previously told to them ). They also offered no explanation as to why my original two emails to them asking for help went unreturned. I was told the reason I could n't claim my money was that my cell phone number had not been confirmed. However according to the PayPal mobile app, the number is confirmed. When I log into the website, I attempt to " re-confirm '' my cell phone number and nothing happens. The PayPal website deceptively and unfairly tells me they will text my phone with a code to confirm my number but the text never comes through. I did however, receive a text from PayPal stating that the money was not claimed fast enough and they returned it to the sender. 

I request that 1. PayPal 's marketing claims on their website be investigated as clearly they advertise a higher level of technology than they can deliver. 2. PayPal 's mobile app discrepancies be investigated as clearly the mobile app which I relied on provided false information regarding the status of my cell phone 3. PayPal 's complaint process be reviewed as they did not give proper time to respond to their voicemail ( 1 business day ) before closing my file and returning the money I was sent to the sender. 4. Pay Pal 's email address be removed from their site since they do not respond to emails, it is clearly on their site just for marketing purposes to offer consumers false faith in their brand that they can email should something go wrong. At this point I believe PayPal can remedy the situation by crediting my account the amount that was lost by them.
Hard inquiries without my knowledge -XXXX -PayPal I didnt applied for any credit line for this two companies.
on or about XXXX XXXX of 2015 at the bank of America location located at XXXX XXXX XXXX XXXX new York XXXX the financial centers operation manager, XXXX XXXX XXXX XXXX XXXX profile me and denied me the right of engaging in legal banking business, by denying me the right and the ability of depositing XXXX money orders on behalf of a bank of America customer ( XXXX XXXX XXXX XXXX XXXX stated that I made him uncomfortable with excepting the money orders. 
I travelled to another bank of America location, in whereas they excepted the money orders and placed them for deposit.
I have called Transunion 3 times and spoke to representatives regarding unauthorized inquiries on my credit report. Each time, I am told called the creditors to resolve. Yesterday I called Transunion twice and both representative said called the creditor. I also asked for a supervisor both times, one rep hung up and the last rep refused telling me he could help me. He then proceeded to put me on hold and come back and state that there was nothing he could do, call the creditor. I advised him that he di not even ask which inquiries I was referring to, He stated it did n't matter because that was the policy to advise to call the creditor that pulled the credit and I told him for the fourth or fifth time that I did and the creditors are stating they have no record of ever pulling my credit. I asked him what proof did Transunion have on file that any of companies had authorization to pull my credit, he then put me on hold and he said that he checked and they had none. After, going back and fourth he stated they ( transunion ) required to have proof. And then he hung up. I am confused on what to do to resolve this. I think I may get my attorney involved, however, transunion, has incorrect information and they refuse to assist me.
I am cosigner on my daughter 's school loan and I have been paying it but College Ave collection keeps calling me even after the loan has been paid. I have told them to stop I have paid it but they just keep calling.