WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX we hired the XXXX XXXX XXXX to help us get a loan modification from Bayview Loan Servicing on a property that houses XXXX very ill people. XXXX XXXX submitted the request on XX/XX/XXXX. Over the next few months XXXX followed up with Bayview and submitted every document that they asked for. Finally on XX/XX/XXXX the account XXXX, XXXX XXXX, told XXXX that they had declined the mod due to our income being too high. He said that the income was {$54000.00} a month. XXXX told him that was not true and that our true income was about {$30000.00} a month. XXXX told her that a request had been submitted to the investor for an exception. XXXX continued to follow up several times a week with XXXX by phone and email. He never answered the phone and she always had to leave a voicemail which was never returned. He never responded to her emails either. Finally on XX/XX/XXXX XXXX emailed XXXX to tell her the loan mod had been denied. He sent her the decline letter which was dated XX/XX/XXXX. The appeal period is only 30 days so XXXX was not even able to appeal the decision. The NPV value used regarding our income was incorrect which could have triggered the decline so we had a legitimate reason to appeal but have been robbed of the chance. The income on the XXXX XXXX XXXX was {$230000.00}. This is not even close to our true income. We now have a Trustee Sale set for XX/XX/XXXX. We do not want to lose this home. It will be extremely difficult to move the patients. It is impossible to get in touch with a live person at Bayview Loan Servicing and we do not want to lose this home. We would greatly appreciate it if Bayview would work with us so we could keep this home.
I received a phone call on XXXX/XXXX/2015 about a balance of n XXXX dollars that I owe from a Company by the name of XXXX XXXX ( cable service ) Acct # XXXX and I never lived at the address that was told to me and was told that the service was disconnected on XXXX/XXXX/2015. I 've never lived in that area before and now I live in the state of XXXX, but have lived in XXXX, but not XXXX where the cable business is located. I want to report this soIwant be responsible for something thats not me and someone has used my information without my knowledge.
i opened an account with XXXX back inXX/XX/XXXX. my card was compromised and XXXX  $ in transactions were made. I filed a dispute with us money card who states their customers money is FDIC insured. I filed the dispute in XX/XX/XXXX. now everytime I call, I am told my 60 days is up, but their dispute department has not updated. every time I call, I end up talking to same rep, who tells me they will email the dispute department, and this has been said to me since 2 weeks ago!!!! I brought that up to there so called manager who said, it is a small call center. which is bs. I know this company is fraud, and they aren't following their own policies and procedures! DO NOT OPEN AN ACCOUNT WITH XXXX XXXX XXXX ( CHECK INTO CASH )
ACCOUNT RESOLUTION SERVICE # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ACCOUNT RESOLUTION SERVICE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ACCOUNT RESOLUTION SERVICE purport I owe. I request that ACCOUNT RESOLUTION SERVICE. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ACCOUNT RESOLUTION SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section XXXX of the Revised Code and XXXX XXXX XXXX, as amended.The account Number # XXXX
I received a message from a family member that XXXX associates were trying to get a hold of me. I called the company with the correct case # and the gentlemen ( who did not provide his name ) asked if I was me by name and I said yes. I asked for the company name and he provided then started to go into details of a debt that I am unsure of without letting me know it was a debt collection call. I asked for info to be mailed to me at my address on file. He started to get hostile and claimed I have already received notices and kept trying to verify personal information. I claimed I have not received any notices and he asked why have n't I been paying my bills then. I told him I do n't have an account from the company they claim is the original creditor and to send me proof by mail. He kept trying to get me to verify personal information and I told him I am not verifying any personal information on the phone and he hung up on me.
Credit reporting agencys XXXX RE ; Eastern Account systems of Connecticut And XXXX XXXX XXXX A letter and documents provided to dispute the debt claimed owed by Eastern Account systems of Connecticut acting on behalf of XXXX XXXX XXXX was sent to Transunion on XX/XX/2018. Additionally, complaints in regards to multiple FCRA violations as well as violations of Texas deceptive trade act by the above mentioned companys have also been mailed to the following agencies ; Texas Attorney General and the Consumer Financial Protection Bureau. For your record this letter is being sent certified mail and copys of all documents will be kept should they be needed for an FCRA complaint against any participating credit reporting agencies who fail to remove this false debt immediately. 

Eastern account systems has changed the disputed debt to collection paid instead of removing the disputed medical debt ( ( that was never in fact owed in the first place ) ) This medical disputed debt was entirely the responsibility of XXXX XXXX insurance and XXXX XXXX. There was no balance owed ever by myself at any time. There should never have been any attempt to collect what so ever and this needs to be removed entirely from my credit report as it was not a paid collection, it was a disputed debt because it was never owed at all. 

I expect this item removed from my credit report immediately and an updated copy of my report sent to me or I will be seeking legal representation and filling a Lawsuit under FCRA violations against XXXX as well as Eastern Account Systems in federal court since it would be there jurisdiction. I will be seeking damages as well as attorney fees In XXXX willful negligence in there failure to comply with FCRA. 

There is absolutely no excuse and intent is implied to willfully harm me since every single document provided to XXXX  goes above and beyond to prove a debt was never owed therefore in XXXX forcing this proven inaccurate debt to stay on my report by inaccurately representing it as a paid collection instead of removing it amounts to willfully being negligent as well as intent to harm. I expect your prompt resolution.
Hi, I have been repaying my student loans since 2000. Since then, it 's been handled by several different companies- the latest being Navient. A few months ago, they contacted me and told me that my fixed loan payment was being increased (! ). I looked online and the balance I had previously been reported to have increased by over {$1000.00}. How is this possible, when I have made all my payments, and on time? When I called and asked for a comprehensive report of all payments made since 2000, as well as an amortization schedule, I was assured I 'd receive one by email. What I got was a report of payments made over the last 4 years. I would like the complete report and an amortization schedule, as well as a comprehensive written explanation as to why my payments/balance were increased.
I have made repeated attempts to obtain my consumer report. Chex Systems Inc has failed to respond in an appropriate fashion. 

After failing to open an account with Simple.com and XXXX XXXX Checking due to my Chex Systems score, I ordered my report online. I contacted them via phone on XXXX XXXX 2016 and was informed that the report would be sent the next day. I called again on XXXX XXXX 2016 and told them that I had n't received the report - the agent said they would send another one later that afternoon. No explanation as to why I had n't received the first report was given. I called once more on XXXX XXXX 2016 and was informed that the report had n't been sent on the afternoon of XXXX XXXX as promised. It turned out that the agent I spoke to on XXXX XXXX had lied to me. However, they claimed to have sent it earlier that day ( XXXX XXXX ). They 've outsourced their customer service to XXXX, and it 's impossible to get in touch with anyone who 's actually involved with the company. I 've insisted on them giving me a tracking number for the report, as evidence that they 're actually sending it. 
I have a very high credit score and my banking record is very clean. I 'm not, and never have, been in debt. I can only assume that they 're reluctant to send me my report because there they are unable to validate the false claims. This is clearly in violation of the Fair Credit Reporting Act and I will pursue this in the courts, if this is not cleared up very soon. 
Please remove my banking record from Chex Systems with immediate effect.
just a quick note I 'm not talking about them the creditors I 'm talking about you! Send me the information that I asked you for Months ago. seems like you do not have it. the way you been dragging your feet! Please send the documents to me..
This is a disbute on Discover Card. 

On XX/XX/2017 I used my discover card to purchase a Coaching program for an online company I was involved in. The purchase was split between Discover card and another CC. The total was for {$25000.00}. I put down on this Discover card {$10000.00} and {$550.00} on XX/XX/2017. When I signed up for this program I was informed that I should be in contact with someone within 2 weeks to start my coaching. I sent numerous support tickets and 3 phone calls and a few e-mails before I was finally contacted in XXXX and was suppose to start as soon as I got a coach. I only got in touch with my coach finally in XXXX. We had ONE XXXX call to finally connect and the call was DISCONNECTED and the coach never called me back. I tried several times to contact him, and others that that were involved in this process. I have attached all the information I sent to Discover when I filed my dispute with them. I sent several e-mails to people in the company to find out what was going on and if I could not get this service I would like to cancel and get my money back. I never received and return call or e-mail from anyone all the way till XX/XX/2017. Well on XX/XX/2017 this company was shut down by the FTC. So now there is no way for me to ever get these services since the company was shut down for FRAUD. I contacted Discover when this first happened and they gave me Temporary Credit while they reviewed my disbute, but they also took back the credit stating it was a VALID CHARGE. How could this possibly be valid when I did not receive my services as you can see very clearly in my information.
The debt collection agency in question contacted a family member 's cellphone without any authorization. They provided details of the debt, including the amount, to the family member. The agency later denied contacting any family members.
For over a year, Representatives from Allied Interstate LLC ( A debt collection agency ) have been making threatening and harassing phones calls to myself and distance relatives ( giving these individuals personals and private information ) in an attempt to force payments for a XXXX XXXX XXXX that they claim that I owe but when I asked on numerous occasions last year for them to produce a promissory note and a copy of such information they never sent it. But, they harassed my terminally ill father via telephone calls concerning a loan that he had no knowledge of and is not responsible for. This harassment of my terminally ill father ( who passed away last year ) and his family continue all of last year and now. Allied Interstate LLC representatives were told several times that I did not live and have not lived with my father for over 44 years but these individual still harassed him and his family and they even gave them personal and privacy information about myself. They have also claimed to be family members and government employees in attempt to gain my trust and to collect this student loan debt. They have also claim that the interest and fees on this loan grows daily and legal action will be made to collect this so-called debt. They have been informed that several years ago all of my student loans were consolidated to XXXX Success and I do not owe a XXXX XXXX XXXX. I have also asked them to stop any and all contact with myself and family members but now they are calling me from XXXX every day and night and just hanging up or not saying anything on the phone when I answer.
Regarding the recent Equifax massive security breach reported yesterday ( X/X/2017 ), I checked my information today ( X/X/2017 ) on their website " https : //www.equifaxsecurity2017.com/ ''. My vague result read : " Based on the information provided, we believe that your personal information was not impacted by this incident. '' I have no choice but to assume that means my information has been released to an unauthorized party. I did not follow through the XXXX enrollment as it is unclear if this waives my rights to press charges against Equifax for damages. I have placed a fraud alert on my information in attempt to limit damages from Equifax 's negligence.
My federal tax return was garnished for something and i was not aware or told so that maybe i could work something out if i did owe anything
My XXXX year child is getting calls from a local loan company, Western Finance. When they call they are asking her name and information without saying who they are. She hasnt given them any information and I have asked them direct four seperate times to stop calling her. Today, I was cursed at by their employee and hung up on. I have never had any type of loans through this company at all.
Hi Dear Coinbase Support Team. 
By mistake i have given the coinbase ETH address during XXXX  XXXX, and i have recieved my XXXX $ CRPT coins in coinbase address  XXXX. 
Please look into the issue ASAP and either transfer the token to my correct MEW ETH address or Send the transaction back to the sender. 
My friend did the same in XXXX and XXXX sent the token back to sender. 
Please do the needfull ASAP. 

Please send the transaction back to my correct ETH adress XXXX or to the sender back. 
your help is highly appreciable.
I took out a loan with  XXXX   XXXX  ( now Navient ) in     XXXX   for {$10000.00} for  XXXX   XXXX   XXXX  A  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  the years I have had endless fits with them. I 've gone through unemployment and low income periods and they 've never worked with me other than putting me on a forbearance which I now know has done more harm than good. I 've been hung up on numerous times over the years. In the beginning I paid them $   XXXX  , but the past  XXXX  years I 've paid them $  XXXX . Out of that {$200.00}, {$130.00} goes to interest  (  12.1 % ) I 've talked to them about getting in lowered and nothing gets resolved. I 've drained my savings accounts just to try to pay this back and I feel like I 'm not getting anywhere. After   XXXX   years, my remaining balance is {$140000.00}. Please help.
Arc services contacted me on XXXX XXXX, XXXX during work about money my friend owed for the bail bonds that I have cosigned for. The agent XXXX XXXX appeared sympathetic and offered to make a deal with me. I told him to give me a little time to contact my friend whom I have not talked to in 4 years. 2 days later he called me and asked if I wanted to make a deal with him or not. He appeared aggressive so I told him I do not want him to call but to email me instead. Then I hung up. He continued to call then left a voicemail and texting me threatening to sue me and garnish my wages. He texted me my email was incorrect and to send him the right one. I told him after I send him my email to stop texting me. He continued to text me after I sent him my email and said that I have one more chance or else. I called him and told him that I will continue to try and call my friend about to situation and to stop harassing me.
Wells Fargo is charging me overdrafts on days I receive my Direct DEPOSIT and then posting correctly. As on XX/XX/18 I received a direct deposit and after it cleared up my overdrafts I had XXXX I then charged XXXX and they charged me a XXXX overdraft. I also had money deposited all weekend. They are not applying the overdraft rewind correctly and I have multiple deposits. I have been overcharged overdrafts in excess of XXXX And XXXX of them not correct. They are also charging before items post and also not posting direct deposits correctly. Causing more overdrafts even when trying to deposit money to make current same day they are screwing up. Everything I deposit seems to just cover their fees which is ridiculous
When I checked my credit score, I noticed that Portfolio recovery had made a derogatory remark against me. I filed a complaint and emailed them asking for a detailed summary of what I owed and what it was for. I never received a detailed statement, and I also started receiving missed phone calls at XXXX and XXXX from the company. This is unprofessional and I am very upset that my credit score which was rapidly Improving, keeps getting hit by an account that I never agreed to.
I have been a member with USAA for over 10 years and have had their checking product for years along with renter 's insurance and a credit card. Recently, after years of being able to transfer funds with immediate credit, they have arbitrarily started imposing an absurd 5-day business day hold on transfers from accounts I 've made for years ( from payment for my job ) while immediately withdrawing the funds from the other account. They offer no justification for this and no answers. It 's obvious this is a scheme to maximize profit from my overdraft credit line in my case and in others to accumulate NSF fees. The customer service can not explain this new arbitrary policy at all and is very rude about it. No other bank does this and when they impose a hold, the policy is fully disclosed and explained. I do n't think a hold policy that is not fully transparent and consistent is in compliance with regulations and can be manipulated and abused at will to increase profits, which is what is being done here. Regardless, transfers should n't take 5 days to complete as the banking system has vastly improved in speed since the XXXX.
I received a {$2000.00} payment via Venmo. I saw the amount clear into my Venmo account and had a balance reflecting the payment. Upon attempting to transfer the money to my bank account, the transfer was cancelled and Venmo informed me that because the person who paid me was a scammer, I had no claim to the money and they would not transfer the any amount of money to my bank. 
I contacted them trying to understand how it is possible to simply erase {$2000.00} from my account without compensating me for anything and they ultimately responded with " The person who paid you used stolen funds, therefore we are unable to complete the transaction. We regrettably are unable to allow you to transfer stolen funds to your bank account. '' They refuse to reimburse me for the fraud or offer any compensation for a previous account balance.
CFPB, Loancare was not licensed to conduct business in my state of Nevada when I submitted a Qualified Written Complaint to the XXXX ( Proof # 2 ) regarding my experience during a phone call. 

Loancare admits to the violation of Regulation Z ( Proof # 1 ). 

At this time I was receiving funds from the Victims of Crime Program as I had suffered from an event that was no fault of my own. I was told to apply for assistance at the XXXX XXXX XXXX fund as my circumstances may have qualified for assistance. A statement from their eligibility supervisor stating that my credit report reflects no mortgage payments being made. ( Proof # 4 ) I have provided information from my bank account showing payments to Loancare showing four separate payments to Loancare which seems to conflict with ( Proof # 3 ) Additionally, I have provided a print out showing that my most recent statement while in foreclosure was XX/XX/XXXX, provided is a print out dated XX/XX/XXXX, showing XX/XX/XXXX statement availability. ( Proof # 6 ) This seems to me to be a continued abuse of Regulation Z requirements, though I am not an attorney. 

Thank you for taking the time to attend to this matter immediately, Included items each titled proof ; Proof # 1 is 1 page Proof # 2 is 3 pages Proof # 3 is 1 page Proof # 4 is 1 page Proof # 5 is 1 page
I recently reviewed my credit report and found a late payment. 

Creditor : XXXX XXXX Account # XXXX I was never 30 days late int he month of XX/XX/2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.
I attended XXXX XXXX XXXX from XXXX. I am now {$47000.00} in debt with both federal and private loans. I was told that my private loan company PEAKS was owned my XXXX XXXX and they have been sued this past year. I do not understand why I have to keep paying {$200.00} a month to this company if they are owned by the school that was shut down for fraud. XXXX XXXX also lost it 's accreditation recently. So XXXX XXXX was shut down for fraud and they are no longer accredited, but they expect me to keep paying both my federal and private loans for a degree that no longer even means anything. That {$200.00} a month is just the amount in private loans. I owe over {$8000.00} to PEAKS private loans and over {$33000.00} to XXXX Federal loans.
Hi my name is XXXX XXXX XXXX I am contacting you because my credit report is reporting inaccurate and fraudulent credit inquiries on my credit report and I want them removed at once because they are fraudulent and do not belong to me. Here is a list of the fraudulent items that I would like removed because they are fraud and do not belong to me and were not authorized credit inquiries Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Department & Variety Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX/XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXX Dc Inquiry from XX/XX/XXXX + Bank XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX   XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX please remove all listed inquiries because they don't belong to me and are fraudulent and I want them removed off my credit report. Also {$2700.00} Original creditor : 09 XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$730.00} Original creditor : 08 XXXX XXXX XXXX  XXXX XXXX XXXX   are also fraudulent and do not belong to me and I want them removed off my credit report at once because I am a victim of identity theft theft.
I disputed incorrect information reported on my credit report and asked for verification of debt. I did not receive validation and verification of debt. The debt is with Navient and US Dept of Education.