WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for XXXX loan and have several inquiries where they tried to get others to approve me-with out my knowledge or concent. I 'm having trouble getting them removed. Personal Loans Cos. XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. AgencieXXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies Mail Order Firms XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Mail Order Firms XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks Collections
My Bankruptcy was discharged on XXXX/XXXX/2009. Under the Fair Credit Reporting Act and the California Bankruptcy Laws, a credit reporting agency may no longer report a balance owing on my credit report for all accounts that were included in the bankruptcy. The credit bureaus continue to report a balance on the XXXX XXXX XXXX XXXX account. The balance must be deleted.
I have sent Transunion XXXX notarized disputes regarding a bankruptcy that they claim to be mine, ( please note that I have been sending them disputes over the years but I am only submitting these XXXX letter submissions as they are the most genuine in legalese and required law ) They have been avoiding the legal content in these last submissions. I have also attached a letter from the UNITED STATES BANKRUPTCY COURT IN WASHINGTON DC that clearly states " that the court does not provide any personal information to the credit bureau and that the credit bureaus routinely check public dockets. These public dockets do not associate a social security number to the cases if any does exist. Yet the credit bureau will not remove this information that does not belong to me.
Personal information was released as part of a breach due to insecure technology. Now I must take extra steps to ensure that my personal information will not be used for fraud purposes.
In XXXX of XXXX, there was a Bank of America sign up bonus for a business bank account. It included {$500.00} for signing up for the business checking account, {$500.00} for signing for for an associated business credit card within 60 days, and {$500.00} for signing up for merchant services within 60 days. For the merchant services account, I was told I would be contacted to set it up. After waiting for a month, I contacted ( via phone, email, and in-branch ) Bank of America and was told that I would be contacted shortly. After waiting another several weeks, I contacted Bank of America again, and was again told to wait. I was finally contacted by a Bank of America Merchant Services representative who told me the no-monthly fee Merchant services account that had been advertised was no longer available. I asked to speak to a different representative. I ended up calling XXXX on my own, and did end up setting up the XXXX XXXX account. 

Over the ensuing 6 months, I was charged monthly fees ( that should have been waived due to having a XXXX accounts ) and did not receive any sign up bonus. I had called, emailed, and online chatted with Bank of America many times ( more than XXXX ), and by the start of XXXX of XXXX, I still had not received any bonus. I was finally awarded {$1000.00} of the {$1500.00} total XXXX/XXXX/XXXX. 3 more calls ( each of over 45 minutes waiting on hold for various representatives ), did not result in the other {$500.00}.
I signed up for direct debit for my student loans from my XXXX in order to reduce the interest by .25 % from the original 6.8 %. Today I looked on my account to see that Fedloan did not take my funds on XX/XX/XXXX ( though my bank was open ) because it was a weekend and instead bumped the debit to XX/XX/XXXX. The interest for XX/XX/XXXX and XX/XX/XXXX was still accruing on the {$71000.00} loan. Never once was I delinquent in the past 22 years of paying loans for XXXX with XXXX XXXX from XXXX College. There is now a delinquent notice on my account that states " If you did not make a payment yet, you can choose to pay online right now. You can also sign up for Direct Debit and never be late with a payment again. '' I called fedloan and the woman on the phone called me XXXX XXXX XXXX. That is close to my first and last name but it is not my name as I am a female so I gave up on trying to get them to understand that interest accruing on dates when a payment was supposed to have been taken by them is not fair. I want out from underneath this student loan company so badly, but feel I have no choice other than to keep shoveling out.
I received a letter from Mitchell Bluhm Law regarding a bill for my adult son stating it was an older bill from XX/XX/XXXX with a balance of {$170.00}. I contacted MBA Law and set up payments with my debit card. After they have my card information, the next letter I get states the date of service was in fact not form XX/XX/XXXX, but from XX/XX/XXXX. The letter was dated XX/XX/XXXX. NO account is going to go to collections in 4 weeks time. They had already taken payments out of my bank account with the impression that this was an old bill, not a bill from 4 weeks ago.. and my son was not in the hospital on that date. So I called MBA on XX/XX/XXXX twice and left 2 messages questioning this, and asking for a call back. I emailed 2 people asking them to stop the payments ( they told me on initial contact that I could request to hold payments ). I got ZERO response from either contact. So I called again on XX/XX/XXXX, XX/XX/XXXX. So on XX/XX/XXXX I contacted my bank and told them what had happened. My bank reversed the charges and put a request in to MBA for contact. The next thing I get is a notice that they have reported me to the credit bureaus. Without even acknowledging my requests for clarification of a debt that say I owe for my adult, XXXX son who is also on XXXX. Yesterday, XX/XX/XXXX I called MBA again and left 2 messages. I got no returned call. Today I have emailed them twice, no return messages. But yet they want my money and can not validate a debt.
In XXXX 2015, I vacated XXXX in XXXX, Georgia. I thought I could work virtually in XXXX, GA where many family members reside. However, with the re-organization of the Department of Veterans Affairs, management advised that it would be best to work in Michigan. Rather than place my 20 year Government career in jeopardy, I returned to Michigan. 

I provided XXXX with the requisite 60 day notice of my impending move back to Michigan. I also requested if they could extend the change of duty clause they have for military personnel to U.S. Government workers. This clause allows for the military personnel to leave the lease early if they have a change of duty. The Manager at XXXX XXXX initially told me that Yes the clause covers U.S. Government workers. 

Just a few days before my move in XXXX 2015, I received notification from XXXX XXXX XXXX Tenant Relations, XXXX managing office, that only military are allowed to leave the lease early! As such, they said I owed {$2200.00}. 

To make matters worse, XXXX has added my {$200.00} security deposit to the debt in lieu of deducting it! I have asked for a payment plan for a reduced amount based upon the circumstances and removal of this collection from my credit report. Yet, XXXX referred me to their Collections Agent, IQ Data International. IQ Data International has referred me back to XXXX for any type of Payment Plan! In the meantime, my credit is ruined by this collection and I can not purchase a home. XXXX has also added interest charges and damages to the amount owed. There were no damages to the property. This is clearly an attempt to ruin my credit and falsify records!
American Express Company opened up my Accounts in a Fiduciary Relationship acting as me. The bank is not in the same state as me. This is both Fraud against my person and Tax Fraud.
XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing my consumer credit report, or any one elses.
AmeriCredit XXXX XXXX doing business as XXXX XXXX took me to court. The case ruled in my favor, I do n't owe anything! However, they are still on my credit report showing I still owe them. The courts have ruled back in XXXX XXXX XXXX that I do not owe anything. They are reporting incorrect information on my credit report.
There is a company out of Florida called Diversified Consultants who continue to ruin my credit on a debt that is n't mine..There have been letters sent on my behalf disputing this debt but this company refused to report correct information to the credit bureas.
I recently discovered a judgment on the title to my house from a company called Advantage Assets for {$12000.00} in XX/XX/XXXX. I have not had any line of credit or credit card since XX/XX/XXXX so I do not know how or why it is there. I was never served papers or warned of this action to put a lien on the title to my house or garnish my bank account. I have not been notified at all for any request to pay this debt. I did n't know of any of this existed until funds from my bank accounts were garnished. I have never been informed of any judgements but they continue to garnish my account and I still have the lien on the title which I need to have removed. I want to settle this matter, but I feel these creditors have committed fraud. I would be grateful for any help resolving this issue.
I am still having problems attempting to get a pay off quote from Planet Home Lending, PLH ). This began last month, XX/XX/2017, and again, I requested a pay off quote on XX/XX/2017. 

I called XXXX XXXX, a loan servicing supervisor with PLH last Thursaday, XX/XX/2017 and Friday, XX/XX/2017 and left voicemail messages for her requesting the pay off quote. My new loan officer also requested a pay off quote last Thursday ; neither of us have received a pay off quote. In addition, I also requested a copy of the pay off quote XXXX XXXX claims that was sent last month. Again, I have not received anything. 

PLH continues to delay my opportunity to refinance my mortgage, again costing me money. 

Thank you.
Told me the only way to start paperless is to use the internet care credit.com and the minimum payment box is the box that collected the wrong debt amount. When I called care credit on XXXX at XXXX pm., I was told that {$140.00} extra will be collected for checking the minimum payment box feature or debt amount feature.
National Credit Adjusters or whatever name they claim to be now, leaves a voicemail. Im deaf so I read the transcript. They dont tell me what its about. From what Ive read online about these XXXX XXXX is that they contact you and anyone they think you know. A couple relatives have gotten strange phone calls and Im guessing its them. So, Im putting this in writing now ... 

It is NOT okay to contact me. It is NOT okay to contact anyone else about me. I dont even know what you think I owe you. Send me a letter if you have to, but DO NOT ever call me again!!!!!!!
On Friday XX/XX/XXXX I received notice by mail from Chase Bank saying that if I open a new checking account with direct deposit I was going to get {$200.00}. And since the company that I work for issue payroll Chase Bank check I went and opened a new checking account, I deposited {$100.00} on it. 

On TuesdayXX/XX/XXXX I deposited a check from XXXX  of {$1600.00} a loan that I got because I had an emergency. I could only get {$200.00} out it. 
Because they said the found will be the next day. 
The next day I went into the bank to get some money out {$1500.00} on the balance that I had. And my surprise was that they told me, that my account was closed, they also told me that they were going to send by mail check of {$1400.00} that I have not received yet. 

I been going since them to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, CA XXXX any luck to get my money reimburse. Until I finally were able to speak with XXXX XXXX XXXX ( Personal Banker Officer ) Who helped me to open the checking account and made a formal complaint on XX/XX/XXXX. 

Today XX/XX/XXXX I still waiting for my money back.
I 've been going around in circles with this XXXX mortgage company, Carrington Mortgage about a loan modification. We 've been denied once, just recently, with the excuse that I said I was unemployed on the application. The people with Carrington do n't have any answers as far as what the requirements are for the modification and I 'm just exhausted going around in circles with these XXXX. They keep deferring everything to their underwriters but this has caused my Mom and I so much XXXX  wondering what 's going on. We need someone to advise us of our rights and what the parameters are for getting the modification.
Back in XX/XX/XXXX I was a victim of identity theft in a data breach with XXXX XXXX XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit Bureaus regarding my suspicion of identity theft. I have yet to have my disputes resolve or any feed back regarding this matter & its well over 60 days.
This company created an illegal account under my name and they are reporting to my credit report affecting my score and my ability to obtain a mortgage loan. I called and spoke to XXXX different representatives and they keep telling me is a joint account. I called the original creditor for this account spoke to XXXX at the XXXX XXXX department. She verified that the account belongs only to XXXX and they do not have any record of me under that account. I called back the Portfolio Recovery spoke to a XXXX XXXX and he was not willing to research their mistake. Even Portfolio Recovery sent me a verification stating this account belongs to XXXX only and yet they created an collection account linking to this person collection debt.
Kays jewlers misplacsed XXXX dollars in payments the payments were made in store. Never applied to the account. They are now contacting friends and family members not even on the account trying to collect payment for funds they misplaced
I was originally a client of XXXX, then Wachovia Bank which were purchased by Wells Fargo Bank. Consequently, I had not signed any document concerning an arbitration clause with Wells. 
On XX/XX/2013, I received a package of forms entitled " Consumer Account Relationship Change Application '' from Wells Fargo directing me to submit new signatures for my accounts to '' protect '' them from fraud and fight terrorism. Buried in the fine print text below the signature line was a clause stating that by signing the document, I agree to arbitration and not a jury or judge trial in any dispute with the bank. Needless to say, I signed nothing. The bank resorted to trickery to instigate their forced arbitration. 

PS : I still have the Wells Fargo letter if you are interested. 
. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX
I am writing this complaint to inform you of the deceptive tactics that were used by two collection agencies that were collecting past due amounts for Synchrony Bank. 

The first collection agency is XXXX XXXX, who is collecting for XXXX. After missing some payments and receiving emails and letters saying that they can offer financial assistance or a suitable payment arrangement, I finally contacted XXXX back in XXXX. 

My past due amount at that time was {$210.00}. I was assuming that this payment plan would get me back on track. I went ahead and agreed to allow XXXX to automatically take payments from my checking account for five months. Those months were for XXXX XXXX with payments between {$34.00} - {$67.00}. The amount I paid for those five months totaled {$280.00}. Since the automatic payments ended on XX/XX/XXXX, I went online and paid {$70.00} for XX/XX/XXXX. Even before my XXXX payment was due, I started to receive phone calls from XXXX again. XXXX then mailed me a letter dated XX/XX/XXXX, stating that my past due amount is now {$240.00}. This is an increase of {$25.00} from the original past due amount from a letter they sent me dated XX/XX/XXXX. 

Since they had been calling me several times everyday for at least a month, I finally called them on Saturday, XX/XX/XXXX and asked them why do I still owe a past due amount when I thought the purpose of the payment arrangement was to eliminate the past due amount so that I could get back on track with my payments. I told them that what they did was very deceptive and to not call me again. I also let the person I was speaking to know that I was going to file a complaint with the FTC. 

The second collection agency that Synchrony Bank uses is XXXX XXXX, which is collecting for XXXX. My original past due amount back in XXXX of this year was {$230.00}. The payment plan that I was set up for was for six months with amounts anywhere between {$30.00} to {$81.00}. The amount I paid ended up totaling {$400.00}. XXXX sent me a letter dated XX/XX/XXXX saying that my past due amount is now {$260.00}. This is now an increase of {$34.00} from the past due amount in XXXX. 

What were these collection agencies doing with the money that I paid them? Why do I still have past due amounts that are now more than the original? Why are these collection agencies saying that they will offer people financial assistance or suitable payment arrangements if the past due amount ( s ) people owe never goes down? 

I really hope that the FTC will take action against Synchrony Bank, XXXX XXXX and XXXX XXXX and put an end to their deceptive tactics that are putting me and possibly many others into even further debt. 

Thank you for your time.
XX/XX/2017 i added voice, the phone, to my XXXX account. The cost is {$20.00} per month. plus Carefree Minutes, World Select 300 for {$9.00} per month. I specifically made it clear that I want the international calling plan for XXXX XXXX. and that is the only reason I needed their phone. I use my cell phone for everything else. They also charged {$10.00} XXXX /month for rental of equipment. I BOUGHT the equipment I did not rent theirs. 
XXXX  charged me {$9.00} per minute for my calls to XXXX. {$9.00} is supposed to be the flat rate for the month if the usage is under 300 minutes. I have complain to XXXX   supervisors even up to their cooperate office. I was told that XXXX is not included in their World Select plan but because it was XXXX 's error in setting up this plan for XXXX they will honor it. They kept removing the excessive charges one month and then added it back the next month. XXXX now send me a bill for {$520.00} for international calls, equipment plus penalty. Convergent, XXXX 's collection agent is reporting this false claim to all the credit bureaus.
Razor Capital tried to sue me for a utility account that I am not liable for. I sent the law firm they hired ; XXXX and XXXX, information about the identity theft case. I sent them information from the IRS, the FTC, the police department and all of the information they needed. They ignored the information and instead sent me the bill claiming that this was verification enough. They tried to get me to agree to a default in judgment and pay them 800 + dollars. I declined and responded with why I wasn't liable. I missed the court day due to an emergency health situation. I filled a motion to set the judgment aside with all of the original information they should have considered and taken a look at before. This debt is beyond the statute of limitations to even collect on a debt that is 7 years old. I will be filing a complaint with the FTC and the attorney general.
I have a Chase card that was opened in my name that I did not apply for. The account was opened on XXXX/XXXX/16 with a {$500.00} limit. I have never received this card nor any correspondence from Chase regarding this card. To my knowledge, this card has never been used. When I called Chase directly I sat on hold for a very lengthy period of time because I did n't know my account number ( I was never issued a card! ) only to be told there was nothing they could do to help me because I did indeed open the card. I asked to speak with a supervisor to explain that my social security number has been misused more times than I can count and the only response that I got from the supervisor was that all I could do was close the account. That is not acceptable to me. I did n't request the card, I did n't open the account, and I want it taken off my credit report immediately.
On XX/XX/2018 my bank account was debited by acecashexpress.com 3 times for a payday loan I wanted to pay off. The company charged me {$900.00} for a debt of XXXX. Due to the companys actions, my account has been short XXXX which has negatively impacted my funds available. I have also suffered multiple overdraft fees due to this company 's error. Working with the company to resolve this issue has been difficult to say the least. 
Today ( XX/XX/2018 ), the company sent me notice that they in fact made an error on my account. They Company stated that they will refund the {$60.00} they have taken in error in 24-48 hours but would not address the overdraft fees accumulated as a result of their mistake.
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Transunion and XXXX/XXXX  with no successful resolution. Transunion  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
For over four years plus, Chase Home Finance has been inundating me with XXXX mailers that offer attractive, no-cost refinancing terms for my first mortgage. In XXXX 2013, I applied. Our family 's credit is perfect. It took months and tons of documentation but Chase would n't refinance based on its inability or unwillingness to verify my fully-disclosed second mortgage with another institution. I sent billing statements repeatedly and some closing documents to the loan processor. Still, no go. I abandoned the effort. <P/>Why is Chase allowed to mail me repeated offerings when it has no intention of closing a refinancing with me? Two, rates have climbed so the attractiveness of the offering has diminished.