WillisBack/dataset-financial-user-claim huggingface dataset:
Last year I shopped at Brooks Brothers in XXXX premium outlet. A store staff introduced me the club card. I told him that I do not want credit card. He told me it is only club card. I gave him my XXXX credit card for payment. After I went back to XXXX, I realize that payment was not made on my credit card. Later I received brooks brokers credit card bill. I went me XXXX, XXXX and XXXX, but none of the bank in XXXX can help me to make the payment. 3 month later, I finally got chance to go to XXXX premium outlet again, but store staff in brooks brother told me that they can not make sure the account came up on their system is mine. I made {$100.00} payment to try. Next statement I received, it shows the {$100.00} payment. However, I was too busy to go there again in a few months. A friend told me that I can make payment in a US post office. So I told one working day off to the States again to make the payment by mail with exact amount owing. However, before they received my payment, {$16.00} interest has occurred again. Till then I have made about {$120.00} payment just in interest. 2 month ago, I received new statement with about {$30.00} balance. Today I 'm in XXXX XXXX, I went to brooks brothers in XXXX, store staff can not look up my account, so they called for me, and figured my balance is {$100.00} including late fee. I never had chance to see the fine print of the credit card, but I never heard late fee on credit card but interest before. They could n't help me to make payment in XXXX XXXX premium outlet, but told me that I should be able to do that in XXXX palace. I went to brooks brothers store in XXXX, they ca n't pull up my account neither. If I mail the payment, I bet new interest will come out, and new late fees. This is fraud now. I called them, and they do n't want to help me. Please help me sort it out.
I was forclosed on my home in 2013 with Wells Fargo Bank during their mistake with the modification glitch error.i sent them all the necessary documents and still forclosed on my house. I lost my home and my belongings too. They put my furniture and everything in the street and it was raining. Everything was damage.i lost everything even my dignity and my kids have emotional problems now.
XX/XX/XXXX RE : Written notice of unauthorized debit To Whom It May Concern : My account statement and my online account information shows a payment that should not have been made. 

I am writing to tell you the payment was an unauthorized transfer. My bank account number is XXXX. My XX/XX/XXXX account statement and other notifications online shows an automatic payment was made to Select Portfolio Servicing , Inc . However this payment was unauthorized. 

My Name : XXXX XXXX Checking Account Number : Payee Company Name : _ Select Portfolio Servicing , Inc . 
Payment amount : _____ {$1400.00} Date the payment ( s ) appeared on my account statement : XX/XX/XXXX Specifically : I never authorized the debit to this company. 

Select Portfolio Servicing, Inc., took over my mortgage from XXXX XXXX  in XX/XX/XXXX. We didnt know anything about them. They are a small regional firm located in Utah. We didn't trust them. Our mis-trust turned out to be well founded. 

Each payment we made was done with a physical check and sent via USPS Certified Mail. My check # XXXX was sent this way, and cashed XX/XX/XXXX. Minutes later, Select Portfolio Servicing, Inc. made a second, unauthorized electronic withdrawal of funds from my account in the amount of {$1400.00}. 

I want Select Portfolio Servicing, Inc., to make this right, pay any fines + overdraft fees.
Capital One closed my account out of no where, and it is been almost 6 months and they are still holding my funds, they told me there might be charge back on your account so they will hold my funds and wants to know who send me money which I dont think it is their business, it is been 6 months they been holding it and not one charge back on my account, I want my money
A collection agency is attempting to collect a debt that belongs to my ex-husband. It involves XXXX XXXX. The debt has been reported on my credit reports. 
My name was NEVER on the account. When I was married, I could not call and discuss the power bill because I was not on the account. I have repeatedly tried to convey this to Collection Services of Athens. 
When I asked for proof, the collection agency simply sent me a MEMO with my name, the name of my ex-husband, the address, dates of service and the amount owed. When I disputed that document, as it was unacceptable, they sent a photocopy on XXXX XXXX letterhead with the same memo copied onto it. Again, that is unacceptable and, in my opinion, fraud. 
This collection is operating in a manner that hurts innocent consumers. They evidently did not ask XXXX XXXX for proof of the debt. XXXX XXXX is also responsible, as they illegally reported the debt in my name. 

Please help me in clearing up this matter. Thank you.
I was in the process of consolidating some items and my credit report was request. The lender indicated that Bank Of America was reporting payments late back about 7 years ago. I had the item researched with the credit bureaus and yet no one can give me valid proof as to when this account fell behind. I then turned my attentions to Bank of America directly with the hopes they would be able to send the information to me and they did not respond to the request. I would like to see the full history of this account.
I submitted a letter from XXXX stating that my account was paid as agreed. But experian credit reporting agency is saying that the account was paid for a lesser amount that was owed. Even though the letter is saying other wise. I disputed this two times with them but they are still reporting paid for a lesser amount.
My home loan was sold to loan care/Lakeview Loan Servicing. I did not originate the loan there, so I have had no specific contact with any customer service representative. I attempted to call 3 different times within the month of XXXX, all ended with me hanging up as I do not have more than an hour available to wait to speak with someone. So at the end of XXXX I put in an electronic letter/e-mail to the loan company asking my question with hopes to receive contact back. When I did not receive anything back by the end of XXXX I tried calling again, still not a practical wait time. I then submitted another e-mail at the beginning of XXXX. Both e-mails detailed what I was looking for and how to contact me and neither have resulted in any attempted contact back to me. I feel that due to the reason for me contacting them that they are avoiding me. This is an unfair practice as this has possibly resulted in me paying at least an additional {$170.00} that I possibly would not have had to pay. I was contacting the company about possibly getting my private mortgage insurance removed, or at least looking into the idea. I assume that they would require me to pay for a new appraisal, but I needed to know what other costs would be associated with this and what the process would be. I have felt through this process that this company does not wish to help me to possibly get this PMI removed and are therefor unfairly trying to continue to charge me more than I should be. I feel that at the current time I am at or below 80 % loan to value, which is would be determined through a new appraisal. I am also open to the idea of making a lump sum payment to bring this down to 80 % if the new appraisal does not come back high enough.
OnXX/XX/XXXX I received a copy of my credit report. On that report was a collections from XXXX XXXX XXXX XXXX XXXX. I notified XXXX I was never given written notice to dispute this debut. On XXXX I wrote a letter asking for XXXX XXXX XXXX to supply me with the following information : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent I was not mailed the required information for validation of this debut per my request. This company isnt authorized to collect in my state. This company has violated my federal rights on several occasions and isnt above the law. 

XXXX is reporting this as verified, but hasnt sent me the information used to validate this debut. This debut isnt mine. Its been over 30 days without validation.
I entered a loan with XXXX XXXX ( Duvera ) in XXXX when purchasing a puppy from XXXX in XXXX of 2017. The details were {$2500.00} loan with $ XXXX monthly payments with no interest. However as I look at my account there is an interest rate of 151 % and they have put my balance at {$2400.00} while I have paid {$1500.00} and they have charged me for {$1400.00} in interest. This is not correct and I was informed multiple times there was no interest. I have called XXXX and they have said they can do nothing about the interest accumulated and were very difficult to even talk to.I told them that I was told there was no interest when agreeing and asked what can I do to finish paying off my loan with no interest like we agreed upon. I am unsure what to do now. I want to pay off the remaining {$900.00} I owe on my loan but will not pay the {$1500.00} plus in interest that was never talked about or agreed upon.
On XX/XX/2018, an associate at XXXX XXXX XXXX contacted my ex-husband. They released all of the debt information to him including the amount of money that I owe as well as the name of the company it is directly owed to and asked him to leave a message to contact me.
Equifax, through improper utilization of cybersecurity, allowed the personal data of myself and nearly 143 million individuals to be improperly accessed by non-authorized persons. Rather than issue a press release upon notification of the breach, Equifax allowed the breach to remain unknown to the public for 41 days, during which time Equifax executives were allowed to sell company stock ( see XXXX XXXX XXXX ). 

Considering the severity and potential impact of the breech, Equifax would have better served the public by doing the following : -holding a press conference upon discovery ( XXXX XXXX 2017 ) to announce the finding and intent to remediate the compromised services. This would allow initial questions to be asked and to get the word out to everyone as soon as possible so that they can take action to protect their identity and sensitive information. They would also announce their site where people could go to check to see if their data had been compromised and what to do if they had or not, listing their services as well as their competitors for issuing a fraud alert on their accounts. 

-Suspended operations on the compromised services until they were properly remediated. 

-Provided press release updates to the public on when services were expected to return to service, had returned to service, and when all services had been properly remediated. 

-Instead, by issuing a press release 41 days later, news of the breach was spread by word of mouth via social media ahead of more trusted news outlets and created greater scrutiny and erosion of trust between Equifax and the public. 

Stewardship of individuals credit history and the impact it can have to the public should be a constant concern to credit reporting companies.
I 've been paying on my student loan since 2007 at 9.5 % interest to Navient ( Account # XXXX ). I called them about 2 months ago when I noticed not even half of my average $ XXXXmnth payment is going towards interest. They were aloof and never acknowledged the discrepancy. Only after understanding they were n't going to help me understand this or do anything about it, I threatened to complain. Again, they could care less. Since seeing that Navient is being sued for reasons such as this, I finally understand why they treated me the way they did.
On XX/XX/2018, I was notified that a hard inquiry had been placed on my credit report by XXXX. I had not submitted an application or had any contact with XXXX. 

On XX/XX/2018, I notified XXXX that I had not applied for a card and they closed the account and sent me fraud protection materials. 

On XX/XX/2018, I attempted to contact Experian to dispute the inquiry on my report. Experian 's website informed me that I could not submit the dispute online and directed me to call XXXX to submit the dispute by phone. That number reached an automated service that did not provide an option to submit a dispute. Every other number that I could find to contact Experian routed me to the same automated service.
I noticed that my mortgage company - Shellpoint Mortgage New Penn Financial ) - did n't paid my 2015 property taxes to XXXX County Tax Office, XXXX NC. As a result the status became delinquent and I'am very concern that, this negative information may damage my credit. I contacted my mortgage company and they said, the taxes were disbursed on XXXX XXXX, 2015. Why then it does n't show on the County Tax website? I sold my house recently, and at the closing, the attorney informed me that my property taxes were not paid by Shellpoint Mortgage and as a result the closing attorney office will hold the check for the property taxes until it show that are paid. What should I do? Please help.
I mailed Experian a request to remove approximately XXXX Hard Credit inquires of my credit report, which where not made by me, the 30 days have long past and i have not heard anything from Experian, nor where any of the Hard Inquires removed. 
I also found XXXX different XXXX XXXX accounts on my credit report, i have never had XXXX different XXXX XXXX accounts, they did not investigate any of this and all XXXX accounts are still showing on my Credit report and they impact my credit in a negative way.
Convergent XXXX XXXX reported a collection on my credit report, supposedly myself owing XXXX a balance from an old account, account number XXXX. I received a letter from Convergent, also attached to this email, dated XXXX claiming the debt. I responded to the claim, with the copy of the equipment return, showing a {$0.00} balance from that account on XXXX. Convergent nor XXXX had contacted me before the date of the letter from Convergent claiming the debt. However, prior to receiving this XXXX letter from Convergent, the collection was on my credit report. Convergent was in direct violation of the FDCPA and FCRA laws. Those laws state that I have 30 days from the date of the letter, which was received 7 days after the date of the letter. I immediately responded to convergent with the proof of no debt owed to XXXX, and my complaint that they did in fact violate laws by reporting the collection prior to my 30 day response period, and by not providing verification properly, specifically FCRA, 611.B.iii, showing and describing the process, person and accuracy of the debt, NOT a printout of a " supposed '' invioce. I sent the dispute to Equifax, which failed also to properly and legally verify the process and person and true verification of the supposed debt. The " supposed '' invoice and collection amount is only {$130.00}. Which had I been contacted by XXXX or even Convergent, PRIOR to and in accordance with the FCRA laws of the " 30 day '' period they are required to allow the " debtor '', this would have never become a collection account. I have provided proof to Equifax and Convergent of their viloation of my rights and the FCRA laws, and neither company removes the falsehoods of this account.
This Wells Fargo Financial National Bank is undoubtedly recorded as a charged off account. I analyzed this the main reason why there's a balance showing on the file if it is a charge off? The balance is actually wrong, and the company need to reverse it to XXXX or remove the items certainly.
XXXX XXXX was reinserted from a previously deleted dispute. This is the second time this has happened. We won our dispute with transition and you keep putting the negative information back on.
I have sent several letters to the credit bureau asking to have student loan that was paid removed from my credit report this has not been or corrected and I don't believe it was investigated because I called the Board of Education and the Debtor myself only to be told that I do not have an account in default with them. I am also in school and have checked the status of those loans and they are in deferment I have sent several request only to get the same response please help
All XXXX credit reporting companies, XXXX, XXXX, equifax ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my XXXX. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, i.e. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX XXXX with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.
Fair Collections and Outsourcing has reported a collection on my credit report for {$1800.00}. I requested validation of this debt to which they sent me a copy of the lease agreement from XXXX XXXX XXXX XXXX XXXX which clearly shows that it was NOT MY SIGNATURE AND THERE WERE NO PAYMENTS FROM ME NEITHER IT DID LIST MY SS #. I disputed this account as fraudulent, sent them copy of my id with my name and actual signature to both XXXX and Fair collections. Their response was " it is accurate and we are not obligated to validate or respond to you '' ... see attached proof this is illegal collection now they are calling me at home, work and my parents threatening to take me to court. this needs to be stopped!
I was having this credit card from XXXX.in XX/XX/XXXX they charged {$49.00} annual fee for the first time without my consent ..i told them that I don't want a card with annual fee .Then they said that I need to close the a/c which I did. But they won't repay the {$49.00} that they charged as annual fee
Wellsfargo is reporting a 30 day late inXX/XX/XXXX2017 but the theirXX/XX/XXXX statement and my Wells Fargo branch manager prove I was not late that month. After disputing and calling no nothing has been resolved.
I received a phone call on XXXX XXXX, XXXX at XXXX from a XXXX XXXX who said their company was XXXX XXXX debt collection agency. He called from phone # XXXX. He was asking for my daughter-in-laws mother. I asked how he got my phone number and he said through a XXXX party. 
They have no right calling me looking for her and revealing that they are trying to collect a debt from her. 
This is a disgusting business practice and a violation of her privacy. 
I advise them I do not have her contact information and if I did I would not give it to them due to violating her privacy. 
My phone number is also on the do not call registry.
on XXXX I mailed a certified dispute letter to Sun Loan., on XXXX the received the letter, XXXX they sent me a copy of the original loan agreement. On XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.
I have a Capital One card I did a cash advance for XXXX and have a purchase balance of XXXX .I paid XXXX towards my bill and called to pay off my cash advance they would not take my money asked to speak to a supervisor and they would not take my money. I'm getting charged twice on interest and was trying to pay my cash advance which was XXXX. They will charge me twice on interest until I pay my whole balance off how is this ok. With the Card act it says they can't deny me payment .They are Charging twice in interest what can I do is this legal..XXXX ( XXXX ) XXXX Thank You
My brother decided he was going to use PayPal to send me the rent and bill money he owed me for last month. He mistakenly checked the box for " goods & services '' when asked by the PayPal process. Once his transaction began to be processed, PayPal sent me a notice claiming that I had " {$850.00} '' coming to me in the form of an " eCheck. '' Then, after receiving a notice that the eCheck had 'cleared, ' I went to my PayPal account to find that they had deducted {$25.00} from the {$850.00} for reasons that were unclear. When I complained, they sent me their fees policies to read. When I could n't find a reason that justified the action, I replied. I have heard nothing since. After discussing the incident with my brother, we have determined that they must have deducted the money from the transaction because he checked the " goods & services '' box. What we do n't understand is, why would they deduct for this service and not the identical " Send money using your bank account for free '' service '' And, why is there not a confirmation with the receiver as to whether the transaction is indeed for " goods & services '' before abjectly penalizing the receiver for it? Also, is it not fraudulent to state to the receive via an email that they have " x '' amount of dollars coming to them, show a pending transaction under the " Activity '' section of the site that confirms the " x '' amount with a line item for " fee '' of {$0.00} underneath, but after the transaction has 'cleared ' the fee magically turns into " XXXX percent of the transaction amount? '' This is textbook grift!
A bill from water company was sent to collections - i do n't believe that I owe the amount, but that 's not really the issue. I called to gain info about the matter, and asked to speak on a non recorded line and was promptly refused. My additional requests to not be recorded and my desire to be assisted were also followed by insults and a condescending attitude - both not good faith attempts on the part of " rash curtis and associates ''. These actions are illegal and unfair collection tactics, and I believe that living in California I am afforded such rights as to not to be forced to waive my rights to privacy and voice recordings to clear up an erroneous collection attempt. They have threatened negative credit reporting as well and did not attempt to solve the matter. The call was ended on their part as I continued to seek a resolution and they rudely hung up when i explained i would contact your agency.