WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/19 I went through the drive through service at M & T Banks XXXX  and XXXX Branch and submitted a check number XXXX for my checking account ending in XXXX for {$940.00} and a deposit slip for {$840.00} of this money to be deposited in cash into my checking account ending in XXXX and when I received the receipt from teller Ms. XXXX XXXX my {$840.00} was not made available to me when I asked that the funds be made available she stated that she couldn't and stated her boss Mr. XXXX XXXX agreed. So I went inside the bank and her boss reiterated this to me stating this was the banks procedure that I had to wait until midnight to have access to my money. So I told him this was not correct and asked for all my paperwork back and told him I would take the transaction to the XXXX and XXXX Branch where I opened up the accounts. Mr. XXXX then said he would sign the check to give Ms. XXXX the ok this time but in the future I would have to wait until midnight to gain access to my money. When I contacted the XXXX branch I was told by Ms. XXXX that the Branch Manager Ms. XXXX XXXX was not available but I could write to the Regional Manager Mr. XXXX XXXX and Ms. XXXX would forward the letter to him via email and she said she did not have any other contact information to give me on Mr . XXXX. On XX/XX/19 I wrote the letter to Mr . XXXX   which was emailed to him by the XXXX Branch and to date I have not heard from him, although Ms. XXXX said the letter was emailed to him and a copy was sent to Ms XXXX. I also sent a message to customer service on XX/XX/19 and it was deleted from the system, I also spoke with Ms. XXXX a supervisor at the Customer Service department and she was very sympathetic but limited as to what she could do other than document my concerns and maybe someone would call me. I am very concerned that I am being denied access to my money and no one seems to care for today this issue has not been addressed so I would appreciate your help in correcting this matter so that I can go to this branch which is very near my home and make these transactions so that I have access to my money, which I always had in the past even at this location.
Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. The account is for {$36.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature  that I have or ever had some contractual obligation to pay them. I was sent a bill on XX/XX/XXXX stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XX/XX/XXXX ). I sent a follow up letter on XX/XX/XXXX informing them that they are in violation of HIPPA and stated that I would file a legal complaint  unless they removed this from my credit report. I have yet to hear back from them
I sent this letter to Equifax on XX/XX/XXXX, but they have not responded yet.
Our Client got approved a XXXX in XXXX, Lender stated they mailed the XXXX agreement letter to our clients address on XXXX, but the letter says it was mailed to our office XXXX XXXX. Our office was never contacted, we never received the letter in the mail, they refused to speak with our client, we asked if there was a deadline, they stated there wasnt and to just have the client sign and send it back, but letter states that there is a deadline. They have given us conflicting information and are now stating that the sale for XXXX will mostly not be stopped - Our client is now in receipt of the approval and will be sending the signed agreement to the lender directly and a copy to our office and we will also be sending the approval letter via fax -
Drivetime account number XXXX ... .has illegally reported on my XXXX as the account is not mine. I contacted XXXX and notified they are in direct violation of FCRA and legal action will be taken against them. XXXX and Drivetime both have failed to provide proof the account belongs to me. I need to have CFPB notify both XXXX and Drivetime about this and remove it from my credit file as XXXX has failed to remove this account per law.
I have a tax lien on my Experian credit report, lien does not appear on any other report.
I just opened a XXXX XXXX and noticed Derogatory marks from WAKEFIELD AND ASSOCIATES one on XX/XX/2018 saying I owe them {$1300.00} and another on XX/XX/2018 saying I owe them {$880.00}. I called the company explained to them it was fraud they said they were going to look into it within 30 days should be removed. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Trans Union is misreporting my XXXX account. It was charged off in XXXX however, XXXX is reporting 120 days late to Trans Union as recent as XXXX XXXX. Please get XXXX and Trans Union to correct this item right away as it is destroying my credit.
I was reviewing my credit report and this medical debt was on my credit report.
I have not been to the Dr or hospital to have any debts reported on my credit report.
I have not been notified or any bills regarding past due balances or debts owed.
This is not my debt, I have not been notified of a debt nor do I owe any medical bills. Without proper notification of a debt owed or deby collection attempt received this can not go on your report without verification or attempts made to collect.
I continue every couple of months to notice bogus debts added to my account which are not mine, this is unsettling.
I want this removed from all 3 credit bureaus on my credit report.
A XXXX CREDIT ( ACCT XXXX ) ACCOUNT THAT BELONGED TO MY FORMER XXXX WHICH I WAS A AUTHORIZED USER IS LISTED ON MY CREDIT FILE.I DISPUTED WITH ALL THREE CREDIT BUREAUS.XXXX AND XXXX  DELETED THE ABOVE MENTIONED ACCOUNT, EQUIFAX REFUSED STATING THE ACCOUNT BELONGED TO ME.THIS CLEARLY IS NOT THE CASE.
I enrolled in National Budget Planners of South Florida debt consolidation program ( aka : XXXX ) a couple of years ago and paid {$300.00} to get started in this program. I paid {$59.00} dollars per month for approximately 2 years, thinking that their service was helping me consolidate my loans into XXXX payment of {$59.00} dollars per month. But I found out later that they were taking my money and not doing anything to help me consolidate my loans. This got my loans into a deliquency status. Also, I am a vulnerable adult with XXXX and XXXX. I feel like they took advantage of me and that my loans went into deliquency because of this. Also, my recent credit report shows that I lived at their company address in XXXX, XXXX, which is incorrect, as I live in XXXX, XXXX and never lived in XXXX, XXXX.
I 've disputed XXXX-XXXX different collections with Equifax and XXXX-XXXX with XXXX without the desired resolution. In some cased collection agencies have changed the open dates past original closed dates in order to keep the debt current. I have XXXX-XXXX that are over 7 years old and should be removed.
In XXXX of 2013 I applied for a " Sony '' card with Capital One after watching the TV show XXXX. I was going to have a XXXX in up coming XXXX and I was going to need a new recliner to assist me in the first month or so of healing. I was grateful for the card and there was no interest for the first year. 
My first several payments were substantial, and they almost immediately raised my credit limit from {$500.00} to {$3500.00} within two or three months of my making payments well over the minimum. 
Now I live on a fixed income and this card was tempting to have because many months I have to resort to using the food bank just to have enough to eat each month, so I used the card, and I used it often. Now my balance is over {$3000.00}, but I have managed, with the help of taking in a boarder to increase my income and therefore continue to make hefty payments every month. They are XXXX, XXXX and sometimes XXXX times the minimum required. My interest, once it began to kick in is 24.9 %, yet I keep making the big payments. It is hard to get the balance paid down to a reasonable amount because of this hefty interest. I have called XXXX times in the last almost two years, trying to get them to lower the interest rate, but each time they tell me no. They tell me that the interest rate only goes down with " special offers '', yet in the almost two years I have had this card and been paying huge payments, I have never been offered a lower interest rate. 
This company is raking in XXXX, yet they ca n't lower my interest rate from 24.9 %? I am on social security and only earn $ XXXX month. In the winter, when my heating bill rises to over {$200.00}, my average cost of living per month goes from just over {$770.00} to well over {$920.00} and that leaves very little for gas and groceries. I also receive food stamps, but for some reason, I only qualify for {$15.00} in assistance, so that is not of much help at all. 
Why wo n't this company reduce my interest rate? I have proven that I can make adequate payments, even on my limited income, yet they refuse to decrease their profit margin made on the back of some poor XXXX retired XXXX. I think it sucks ... ..but it sure seems to reflect the greed and avarice that permeates the climate of this country as of late. 
It will take me years to pay this off at this enormous interest rate.
XXXX and Transunion are refusing to remove the debt from XXXX XXXX XXXX off of my credit report for a apartment in the amount of XXXX. This debt does not belong to me I have a completely different address from what has been listed. I was married and shared two different homes over the course of the years in XXXX not in XXXX where this apartment is located. XXXX has removed this item off of my report because it does not belong to me, but Transunion and XXXX have yet to send supporting documentation that it is me. I have not went to court as a result of this debt which would be required for an eviction. I would like this removed promptly.
I authorized a charge to have Bank of America Privacy to charge a monthly fee to my credit card for fraud protection. My husband and I have divorced and I have continued to ask Bank of America Privacy to stop the charges as I no longer authorize them to continue. They will not let me stop the charge. I am the owner of the credit card, and have always been the lead account owner. I have gone to Bank of America and stated I have asked them to stop the charge and they will not do so, so I wanted to dispute the charges. They will not let me dispute the charges. I feel this is a catch 22, and I am the one suffering these monthly charges that I have wanted to stop and they are making money at my expense. I am asking for your help as I feel my rights are being violated and I need this money to go towards other expenses.Please help me!
I do not have any existing balance with CapitalOne credit card co. I received a new card that has never been activated. A transaction came thru that I did not authorize. They are giving me the run around with regard to disputing the transaction. The transaction amount is {$89.00} from a software security company.
There is this debt collection agency, who has harassed me for 5 years now for a debt I really no nothing about, but to make a long story short, they too money out of ( 2 ) of my bank accounts twice, the total for this credit card ( suppose to be for {$XXXX} they have too over {$3000.00} dollars from my banks for this so called one debt, I cant open a bank account with out them sending a writ of execution paper to me and my bank over an over again, there are stealing my funds from my savings and checking accounts this is not fair, I tried talking to them, and all they say to me is they will continue to take funds out of my accounts, even tho I did not know of this, account, they have over an over took enough of my XXXX to cover that amount several times, I want action, I want this to stop, also I am under Doctor 's care, for a XXXX Transplant I do n't need the stress, if I can I would like to sue them for thief, unjustified amounts, harassment, deception, Thank you in advance
Seterus is my mortgage service. My bankruptcy was final XXXX XXXX, 2014. It was a Chapter XXXX bankruptcy. The mortgage was outside the bankruptcy. Seterus has not been reporting my mortgage to the credit agencies since they have been servicing the loan. They started servicing nearly 7 years ago. They now say I must re-affirm the loan. My bankruptcy attorney says that is not true, that they should have been reporting the loan all along. 
I am securing a refinance of my home and it is not possible while Seterus continues not to report the mortgage to the credit bureaus. Please " encourage '' Seterus to report the loan ASAP. 

You handled another complaint I filed on Seterus ( Case number : XXXX ) Thank-you, XXXX XXXX
I needed to borrow some money to pay some bills that were due and I did n't have enough money to pay them. I contacted several different loan companies but no one would loan me any money. Big Picture Loans said I could get a loan.. 

I signed the contract by e signature. At the time I did n't know I was going to have to pay back not just the {$500.00} but a total of $ XXXX.That is a total of {$2600.00} plus the {$500.00} I borrowed. I called them and they told me I had to pay the {$250.00} a month until the loan was paid off. 

I do n't mind paying a finance charge on the money I borrowed, but to pay over {$2600.00}. I do n't have that kind of money. I am on a fixed income ( Social Security ) I just ca n't pay that kind of money back. This should be against the law. 

Thank You,
I took out a loan with Big Picture Loans ' office located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. The loan was for {$400.00} with an interest rate of about 40 %. So I would owe about {$560.00} in the end. I believed to have pay off the loan, but 3 years later they are now contacting me, stating I owe approximately {$2000.00}. I have contacted them and they stated they contacted me via mail. I never received letters and they never contacted me via phone, which was how they contacted me originally. They sent the case to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX USA. I was told I paid off the original balance and only had fees remaining. I paid {$350.00} to cover any fees i should have accumulated. but they claim i still owe over {$500.00}. This is unreasonable. I was not warned of these fees, and they made no effort to contact me. I wish to complain about their service and business ethics.
I applied for an American Express XXXX XXXX card on XX/XX/XXXX. I thought I used my referral link to receive XXXX XXXX points ( in addition to the sign up bonus of XXXX after {$4000.00} in spending in the first 3 months ), but upon calling American Express on XX/XX/XXXX and XX/XX/XXXX, was told that the referral link was not attached to my application. They said they could not manually add it. My referral link that I believe I used is http XXXX XXXX XXXX On XX/XX/XXXX I asked to speak to a manager and was told they could do nothing for me.
I was in the process of disputing an incorrect balance, {$400.00} with XXXX due to them misplacing equipment that was turned in after I canceled service with them. In the process I was turned over a collection company, Enhanced Recovery Company ( ERC ) and they placed the account with all XXXX credit bureaus. After tracking down the equipment, my balance was corrected, {$110.00} and paid in full. XXXX was suppose to send me a letter/statement as proof of the balance of my final bill and paid in full status so I can send to the Credit Bureaus and ERC to have this account removed/deleted entirely from my credit report but I have not yet received it. However, the balance has been updated with the XXXX credit bureaus as {$0.00} but it should not even be on any of my XXXX credit reports. If you would so kindly assist in this matter. It is negatively affecting my credit scores greatly. Payment confirmation number is XXXX paid with XXXX Rep. XXXX. Thank you
I have received an unsolicited check from a loan company called "  XXXX   XXXX  '', and the check is connected to a form provided by a credit rating company named " Clarity Services '', and instructions are provided for opting out, and I did call the number provided,  XXXX , and I talked with someone there who got my name, date of birth, phone number, etc., but she wanted my Social Security number as well. Apparently my Social Security number is floating all over the financial world attached to my credit rating, and the only way to stop this avalanche of unwanted, unsolicited offers for loans is to provide my Social Security number. I have been warned countless times not to give my Social Security number to people on the phone or in writing without a very good reason. I asked to speak to a supervisor,  XXXX , I think his name was, and he explained that the only way they could confirm that I am the person making this request was to provide my Social Security number. I do not want to get these offers for loans. If I ever needed a loan, which I believe is unlikely, I would go to my federal credit union, not  one of  these loan companies which send out {$900.00} checks to any and all. Is there no other recourse for people like me who do not want these credit rating companies sharing my information all over the place? Must I give them my Social Security number in order to opt out?
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX, the Account is up to date. We have been making the required payment of {$20.00} a month per XXXX request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX.
Student loan information entered XXXX ( same loan amount and acct number listed XXXX times ) on list of owed liabilities on my credit report.
THERE IS A WRONG SOCIAL SECURITY NUMBER WITH EQUIFAX. I HAVE ASKED THEM 5 TIMES TO CORRECT TO THE RIGHT SOCIAL SECUTIRY NUMBER WHICH WAS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION WITH FULL DOCUMENTATION TO PROVE IT AND EQUIFAX STILL INSISTS ON CLAIMING THAT THE WRONG NUMBER IS MY SOCIAL SECURITY. IT HAS BEEN FRUSTRATE DEALING WITH EQUIFAX, IT SEEMS THEY DO N'T EVEN LOOK AT THE DOCUMENTS SENT.
I recieved a call from an associate who identified himself only as XXXX on XXXX/XXXX/XX/XX/XXXX, who did not state what collection company he was calling from. XXXX told me there is an unsettled debt for $ 3000.00+ for an apartment eviction from XX/XX/XXXX. I requested documentation to be sent, and was told no because it would cost him {$2.00} or {$3.00} to send and that I dont need proof of something I owe. After telling XXXX I did not have availale funds and that I felt the call may have been fraudulent the call was ended. On that following Friday, XXXX called back and while still not advising who he is employed by, he informed me he sent my account through for garnishments because I would not make a payment. After several calls, I was then transferred to work with an XXXX named XXXX. XXXX told me he would stop the garnishment order if I agreed to pay him a minimum of 12 % of my take home pay. He would not negotiate, and did not ask what my monthly expenses are. I was sent an agreement form to return to XXXX by XXXX/XXXX/XX/XX/XXXX with a monthly payment of {$250.00}, and if i dont, he threated a lawsuit against me and garnishments. I found the company to be US Collections West in XXXX, Az and find the collection tactics to be forceful, misleading, and predatory. I have been mistreated and disrespected by this agency, and being forced to pay an amount which will cause a hardship.
Foreclosure- Fees and Cost Dispute - Sale date XXXX/XXXX/2015. 
{$6700.00} Force placed insurance, XXXX clearly had own insurance for the entire duration of the mortgage w/ supporting docs- forced into foreclosure- lender closed the loss mit assistance file while dual tracking the file into foreclosure, XXXX could never reach for one person to handle the acct- escalations gave conflicting information always promised to call and us updates as to the status of file, but did n't. The XXXX had XXXX and since authorize someone else
In XXXX my husband and I purchased a home in XXXX, The mortgage went thru XXXX  XXXX XXXX. In XXXX my husband and I divorced. He lives in the home that we both own and we are both still on title. There was NO quick claim deed executed. In XXXX my ex-husband remodified our home loan with Bank XXXX XXXX without my knowledge, consent or signature. The signature page on the mortgage paperwork has a line for my signature but my signature it not on the paperwork. The loan was changed from a 30 year loan to a 40 year loan without my signature. 
The mortgage loan on our this property has since been transferred to Seterus Inc. 
XXXX XXXX XXXX wont talk to me because the mortgage has been transferred to Seterus and Seterus says that they are not responsible because the remoificatation took place with XXXX XXXX XXXX. 
I am now being held financially responsible for a 40 year loan that I did not approve or sign for.
I noticed a collection account on my credit report for a company with which I have never done business. Fair Collections and Outsourcing claims that I owe {$10000.00} to them. I sent a certified letter to dispute this accusation and request validation, the company received and signed for the letter onXX/XX/XXXX. I have the electronic signature confirmation from the US Postal Service as proof. This company is required by federal law to place a " notice of dispute '' on my credit report within 30 days of receipt of my dispute. They failed to do so. I pulled by credit report again on XX/XX/XXXX and there was no such " notice of dispute. '' I have retained a date stamped copy as proof. They are in direct violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I sent another letter which they received and signed for onXX/XX/XXXX.  This letter was to inform them that they violated the law and instead of pressing charges, I would be willing to refrain from further action in exchange for a deletion from my credit report with the 3 major credit bureaus. I have not yet received a response from them. This is very damaging to me and I think it is very unfair for a company to be able to break federal laws with no consequence. Please help.
The debt in question is for a repossession of an auto over 8 years ago in the state of New York. The Statute of Limitations has exceeded for collecting this debt and the car has been sold by the company. In addition, I have asked them not to contact me, especially during the day, at work. I have hired an attorney - XXXX XXXX XXXX, who has sent 2 letters to the original company who called and threaten to come to my office and serve my boss with a letter to sue me ( XXXX, XXXX, and Associates, XXXX ). My attorney has sent 2 letters as they did not stop contacting me. Now I am getting calls for 2 weeks from a company called XXXX XXXX XXXX phone number XXXX, XXXX, or random XXXX. I finally asked the guy on the phone what company he was calling about as they usually hang up when I ask and he stated Santander. I requested he contact the attorney of record for me - who was noted previously not contact me. He hung up.