WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I submitted on a web page to try a product for a trial period. The trial period was 18 days. On Sunday XXXX XXXX ( 18 days later ) I attempted to contact the business to cancel but no one was in the office. I called back on Monday ( XXXX ) but got the answering machine again. I then contacted Capital One ( my credit card merchant ) to get their help. The capital One representative called the business in question only to receive the same message I had gotten that no one was in the office. On Tuesday I contacted Capital One and we talked to a representative from the business in question. The rep advised that I had not canceled in time. She said there would be no refund. I hung up but checked my calendar and realized I had called in time. So Capital One and I called back. We went round and round and finally she offered to refund me half of my money. I told her I was not happy with that but to send it. 
I am writing this because I truly feel that I have been wronged. The trial period started after I made the transaction on the XXXX. 18 days later is Sunday XXXX XXXX. No one was in the office so I could not cancel. No one was in the office on Saturday XXXX XXXX so I was really only given a 16 day trial period. Is n't this fraud? The rep told us that they had reps in the office on Monday but the capital One rep read her notes that proved a call had been made that Monday and that no one was in their office. As I have understood trials like this if it ends on a Saturday or Sunday then the trial is usually extended to the next day that is not a Saturday, Sunday or holiday. The company rep told me I should have just called on Friday. So much for my 18 day trial. Can you help?
We have sued Ocwen and it's in litigation. The phone reps continue to harass daily for payment when none is owed.
On XXXX XXXX, 2016 I have contacted Experian via US Mail notifying them about Fraudulent credit items appearing on my credit report as a result of identity theft. I included my Police Report and my FTC Identity theft Affidavit. The following accounts that Experian failed to block per 15 U.S.C. 1681 ( c ) -2 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX 6 ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX Further i have written the companies regarding the fraudulent accounts which has been opened i have completed the fraud affidavits which the companies requested and as of today these accounts are still being reported on my credit report.
I have been using their services for awhile. I currently have a loan that is due XX/XX/XXXX. I called to make arrangements for an Extended Payment Plan, something I have NOT done before. I had 2 prior consecutive loans right before this one so I counted this a my 3rd consecutive loan. According to the documents I signed & the Indiana Small Loan Law Borrower Rights & responsibilities document I was given with my loan should be eligible for an Extended Payment Plan due to it being my THIRD consecutive loan. However, after calling XXXX XXXX XXXX to inquire about the EPP I was told I was not eligible according to the " State Database ''. The gave me a phone number to XXXX  ( XXXX ). I called them and was told I was not eligible for the EPP because my 1st loan in this " series '' was actually loan XXXX so my current loan is number 2 not 3. I do not know WHERE this counting process came from & was never informed that's how they " count '' nor is it in any of there documents. So they are refusing to give me an EPP. To me this is blatant skewing of the law and there documentation to keep people from requesting the EPP. 
Here is a response I received via e-mail : " Dear Valued Customer, We're sorry we were unable to accommodate your request. According to our policy, we may grant you an extended payment plan on your fourth consecutive transaction with a state-licensed payday lender. ( consecutive meaning less than 7 calendar days have elapsed between each transaction. ) After reviewing your account, we show you do not meet those requirements at this time. We apologize if this is any inconvenience. 
If you have any additional questions or concerns, please call our Customer Service department at XXXX to speak with a representative. '' The documentation states " At the time you enter the third, fourth or fifth consecutive loan, the lender is required to offer you an EPP. '' It does not say " 4th consecutive transaction '' or that your first loan is loan XXXX.
I have submitted numerous letters with proof to Equifax. The FED TAX LIEN-XXXX This federal tax lien has been paid and withdrawn with the Internal Revenue Service. Please see the letter attached. Delete the Federal Tax lien immediately off my credit file!!
I deposited my paycheck for {$1400.00} on XX/XX/2017 around XXXX to the PNC bank over the ATM. Usually this clears same night. Then XXXX payment posted on the same night ( XX/XX/2017 ). The attached statement shows that there was credit balance on XX/XX/XXXX but they still charged of XXXX overdraft fees of {$36.00} each for the XXXX payments totalling {$140.00}. I do not understand this practice. The attached statement does not show my funds were insufficient. Why make the XXXX payments as overdrafts first and then credit my account with my deposit? I would appreciate your assistance please. Thank you. 
I suspect this to be fraudulant practice. Please help to recover the overdraft fees. I called the PNC bank.. The clerk said he does not have the power to reverse them but lodged a complaint to his manager who should call me within 48 hours.
I had noticed that Portfolio Recovery added a {$380.00} charge from capital XXXX on my credit report. It shows date opened XXXX/XXXX/XXXX and date updated XXXX/XXXX/XXXX. I contacted capital XXXX on XXXX/XXXX/XXXX regarding this because I have never in my life had a capital XXXX account. They insisted this will not be on my credit report until a proper investigation has been conducted. XXXX failed to even let me know about this debt and I never ever received anything from a capital XXXX! This needs to be removed from my credit report as this is an account I never had in my life. Also XXXX failed to even let me know anything about this debt, did not even give me a chance to validate or dispute.
I have since refinance my loan but not after lots of headaches. 
I was going to a for profit school in California and it was pretty much sign this loan or not go to school. The lagoon of {$12000.00} I believe was a private loan handled by Sallie Mae ( XX/XX/XXXX fall ) at an wrongdoing of 12 % + interest. By the time I graduated XX/XX/XXXX spring was tone to  pay back my loans. I was suggested into forbearance for my private lagoon because three was no way to lessen my payment for private. {$500.00} a month in student loans making {$10.00} hr.
Opened account on XX/XX/2018. Bank offered {$300.00} bonus for opening account and depositing within 30 days {$15000.00} ( satisfied terms on XX/XX/2018 ) and maintaining balance of same for 60 days ( satisfied terms on XX/XX/2018 ). Bonus has not been paid to date. 

In addition, attempted to draw check on the account in the amount of {$5000.00} on XX/XX/18 and depositing institution reversed the check on grounds the account on which the check was being drawn was frozen ( I have never asked for the account to be frozen or placed on hold ).
Received a call from Integrated Services at XXXX. I can not recall the mans name but, I was told I owe this debt for a payday loan back in 2014. I said okay, send me proof the debt is valid and I will work on paying it. he said why do I need paperwork? and proceeded to call me a XXXX and then hung up. I have also received calls from them at my work number as well. Please stop these scammers!
I never live in XXXX new York or XXXX XXXX in XXXX mass I think some one using my information
I tried to dispute on there web site with no success. So I called them on the phone to ask why. They said they could not fix the problem. They took my dispute over the phone incorrectly. It is a medical bill that doesn't belong on my credit report. They will not help. Same problem with XXXX XXXX and was fixed in 3 days,
I contacted Navient to get a lower payment and was denied. Also, asked about the original loan and school name and was unable to obtain information.
The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  )  to report the same account for {$1.00} more than what was reported before.
I had a credit card with one bank and they sold it to another bank. I did not get notice of the sale. When I went online to see if I owed money to the credit card the following month, the site said my account was no longer open. I did n't know why my account was n't open, but I did n't have time to deal with it as other life emergencies were taking precedence. Later, I received a letter from the new owner of my account saying that it was past due. I called the number on the letter and found out that my account was sold but still exists. I paid the account in full. However, because I was not notified of the sale and was told my account was closed when I tried to go pay it initially, my payment was 41 days late. Now I have a 30 day late payment on my credit report. I asked the new bank to remove it given the circumstances and they said they can not. They said that the only way for this to be resolved is for me to file a dispute with every credit reporting agency that notes the late payment. I know that that is n't true. I know that this is a small injustice compared to what you deal with on a regular basis, but it has an impact. If the agencies do n't all remove the late payment or do so in time ( I am about to apply for a mortgage ), my rate will be higher on the biggest loan I take in my lifetime. Also, there is a high degree if privilege in the notion that everyone has the time to wait and request reports and write letters and follow up on letters and go through the whole intentionally-difficult process. For people who are just barely keeping their head above water, due to their health or life emergencies ( which applies to me right now ), things like this slip through the cracks. I would close this account but for the fact that it is my oldest account and closing it would negatively impact my credit score. I try to do every responsible thing and it does n't matter. Now if I do n't spend my time writing letters to credit reporting agencies, rather that attending to very critical things in my life, I will be harmed financially. This system does n't work. The bank should have corrected it. I know that they can.
With regards to the Equifax cyber security incident announced on XXXX XXXX, 2017 : Equifax, through its grossly negligent handling of private information, has endangered my and millions of other Americans ' social security numbers and other private information. They have opened up our lives to the ever-present risk of identity theft through their incredibly inappropriate mishandling of our personal information. To add insult to injury, they have placed the onus on us to ensure that our leaked information is not abused instead of taking any semblance of responsibility for their actions.
I have had a personal consumer loan with Avant finance for over a year. Monthly payments are {$260.00} per month and after 12 months only {$750.00} has been applied to the loan. The interest has been front loaded and if I carry the term of the loan, I will end up paying over {$8000.00} in interest. I am not sure if this is legal, but feels like I am being taken advantage of and predatory. Do n't mind paying the loan, I borrowed the money but more should be applied to the principal. Thank you
The guy XXXX send someone to my house when only my payment was XXXX weeks late. Recently he told me on the phone that on the kind of person that does n't pay my bills while yelling at me on the phone. I told them several times that I would pay them as soon as I can my husband was very ill and almost died and I was willing to submit documentation.
I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. 

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
I am a client of  Capital 1, w here are my points. I make sure to pay my try my hardest to keep a close eye on my payments. My  credit score  has only gone up  XXXX  point with  XXXX   XXXX . Can someone explain to me why I have  XXXX  account s Capital 1 a nd   XXXX   XXXX  .
I have a XXXX hours week job, that pays near {$850.00} every XXXX weeks period. This job is regular. At work at XXXX location. With a car, I have the potential of doubling the number of hours and thus the income. My only expenses are a Home Owners Association fee of {$320.00} per month. Oh, I do have an XXXX XXXX for food. I am not looking for a luxury car, but XXXX wheels for the XXXX job/additional XXXX hours a week. This is the answer I get : " Thank you for your interest in a pre-qualified offer from Capital One Auto Finance. After reviewing your information, we 're unable to provide you with a pre-qualified offer. We will send you a letter in the next 7-10 business days with more information regarding this decision. 
Remember there 's no risk to your credit score when checking your eligibility for an XXXX pre-qualification offer. 
For your privacy, our customer service associates are unable to discuss reasons for our decision by phone. " Then, at other end of the XXXX phone number, I get to speak to an obviously XXXX girl, paid as miserably, as I am ( paid ). 
Does anyone have a badge and a XXXX, for these XXXX, and not innocent Americans of XXXX?
XXXX XXXX XXXX has two accounts in collections on my credit. When asked to validate the debts ( one for {$690.00}, one for {$400.00} ). They did not respond. 

They sued me in small claims last year ( XX/XX/XXXX ) for the line item on my credit report with a {$690.00} amount. I came on the date to answer and told their attorney that I did not know who he was. He set a court date with the clerk. XXXX XXXX did not show up for the first primary hearing and I filed a motion for them to provide validation of the debt, including signed contracts ( not provided in the claim ), an assignment of debt that isn't just an over night dump ( not provided in the claim and without my name attached ), and how they came up with these amounts. 

I have never worked with XXXX XXXX before and have no idea who they are. They did not provide validation for the court within the allotted thirty day  time frame, they did not show up for our final hearing, and the case was dismissed. They continue to report these debts. On top of that, I have disputed these with XXXX, XXXX, and XXXX, and even with giving them court papers showing that the debt has not been validated, they continue to report these debts as accurate because after disputing, XXXX XXXX continues to report them to the CRAs that way. 

I contacted XXXX XXXX immediately after the court dismissed the case, letting them know that they need to quit reporting to the credit reporting agencies, and I sent the credit reporting agencies proof and court documents that this debt is not validated, yet after disputing with the CRAs and providing the CRAs with the court documentation and the creditor 's lack of validation necessary to verify a debt ( or even collect successfully in a court ), XXXX XXXX is continuing to report these debts as verified. 

XXXX XXXX did not list the item as disputed on my credit reports, and they were under dispute since litigation began on XX/XX/XXXX. I have credit reports printed out from XXXX still showing that they were not listed as disputed up until 3 weeks ago. This is a violation of the FDCPA. 

I am exhausted from asking this company I've never worked with for validation that these two debts are mine, and they have continually violated the FDCPA ( did not list debt as disputed, verifying debts to the CRAs that they can not validate ). 

XXXX, XXXX, and XXXX continue to report these unvalidated debts even after countless phonecalls and attempted disputes.
I have a HELOC account with roundpoint mortgage that was sold to them 6 years ago. And now I need to refinance my house and will need to get the payoff/close letter from them. Despite we 've contacted them so many times via calling/messaging/fax, and I 've never got anything back. 

Here is my HELOC account info : XXXX. And their contact number : XXXX. I have all the proof that I 've faxed them and also documented all my calls with them. But I never got anything back. 

Please handle this matter for me. 

Thank you, XXXX
Upon looking at my Equifax report on XXXX XXXX I noticed that my current address is not my own. I have seen this address before. I currently have an account in charge off status with XXXX XXXX XXXX. I have called and written to this company many times to have them close the account and bill me to my current address of XXXX XXXX XXXX XXXX, XXXX, PA. I have gotten no response and the account went into charge off. Now I am getting ready to apply for a car loan and looked at this Equifax report only to see that it has my current address as the person whom I believe took my XXXX XXXX account under identity theft. I would like my address corrected on the Equifax report. If you have any suggestions as to how I can get XXXX XXXX to respond to me I am open to that as well. I am beyond frustrated with this. I have documentation proving that XXXX XXXX changed my address back and forth between mine and this other persons Thank you!
I used Paypal to send my friend and her husband, in XXXX {$7700.00} to start a business.They were going to use the money to buy a used vehicle and equipment to get started.Paypal told them they could only withdraw {$500.00} per day and they did for 3 days and then Paypal froze the account so they could not get any more money and they can not send it back to me.I linked my credit card to my Paypal account, because I figured I could pay the monthly mininum payment and would not have to take money from my actual bank account. 
On XXXX XXXX I sent them XXXX XXXX using XXXX because her husband was going to fly out the next day to XXXX to by a car for the business and had to have the money.Cars are a lot cheaper to by in XXXX than XXXX.That money came from my bank account which I would not have used If it was n't for Paypal.
Over the course of my loan I have been offered forbearance many times, and pseudo forced into it in others by Navient. My overall loan amount has not risen ; but, the total amount has not changed since 2008 because the the interest. There has even been a time recently where I attempted to lower my student loan payment and as I discussed the possibility with a customer service agent, they explained that even though they could lower my payment, the payment amount would rise at a later date. And that amount would actually be higher than the original amount I was trying to lower. After hearing that, I decided not to lower the amount and relayed that to the customer service agent. Ultimately, they proceeded with the agreement without me agreeing. So at some point in the near future my payment will rise. Which will be the perfect opportunity to offer another forbearance.
i've requested that Transunion remove an item on my credit report that does not belong to me. It has been posted from a collection agency. I requested they validate this debt as mine. They sent me a credit report showing it has been verified as accurate. But has provided no validation of this acct belonging to me.
I ordered something on the internet and thought I was using PayPal where they immediately take it out of your checking/savings account. Months later I received bills from PayPal with several late charges for a credit card that I did n't know that I had. I called them and told them that I did n't know I even had a credit card account with them, and they removed some of the charges but said I still had to pay {$26.00}, which I did. However, I received ANOTHER bill for late charges because they said I did n't " call back and make arrangements to pay the bill over the phone. '' I told them I had already given them a date that I would pay it, which I did on said date, and they said " you have to call back and tell us that and we can not remove this late charge now because you did n't call us back to tell us the date you were paying. ''
I checked my credit report and 3 accounts are there from XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX I've asked for VALIDATION of these accounts and only have received a bill stating that they are due
I received a call from XXXX on XXXX XXXX claiming to be a process server that was going to serve me for a debt I owed and to provide XXXX forms of ID. If I had any questions to please call an XXXX phone number. When I called the number I was told that they were an arbitration group working with the state to work with me prior to going to court. If I could pay {$800.00} now ( over {$500.00} more than I had taken a loan for ) they would place a stop order on the summons and I would n't have to appear in court. I panicked and agreed to a payment arrangement under the assumption that this was actually a company working with the state dept. However, I did some research later in the day when I realized that the charge was coming from a Delray Capital and not the arbitration group they claimed to be. Also in the email they sent to me after the agreement was in place I saw at the bottom of the very official looking letter that it was actually a collection agency. I had been lied to multiple times in order to scare me into paying.
My home has been stolen by Wells Fargo Bank N.A . but XXXX XXXX XXXX XXXX has fraudulently used XXXX and XXXX XXXX law firm ( out of XXXX XXXX Arkansas ) to foreclose on my home. XXXX XXXX XXXX XXXX signed as the attorney in fact for Wells Fargo NA Bank on a substitute trustee filed in XXXX XXXX, TN registry of deeds. Wells Fargo has foreclosed on my home and sold it back to themselves. They never sent me XXXX bill nor responded to any of my legal requests.
Early warning has me listed and for unknown reason I've been held back from banking and finance I'm at a hardship point for no reason at all. XXXX XXXX XXXX has blocked me from everything and amount as of my knowledge XXXX dollars and that was the first transaction.that I found out about.