WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, on XX/XX/XXXX, I XXXX XXXX had a XXXX XXXX at the ( XXXX XXXX ) at XXXX XXXXr XXXX XXXX, XXXX, GA XXXX. Prior to the XXXX all XXXX XXXX did to prepare me for XXXX was looked at my head, ran a comb through it for about 20 seconds, took some pictures and asked me when did I want to come in for XXXX. I am a XXXX XXXX and I take lots of medications for my XXXX and XXXX XXXX XXXX. 

Prior to XXXX XXXX XXXX never cleared me through my XXXX doctor or anyone else to see if I was a good candidate for the XXXX XXXX XXXX. After 6 months and 12 months I went back to XXXX XXXX and told him my hair was not growing. He looked at it and said it takes at least 18 months to see improvement and he told me to come back in 6 months. So I waited 6 more months for improvement and still there was no hair growth around XX/XX/XXXX. I called the XXXX XXXX and made an appointment to see XXXX XXXX in XXXX. When I went in to see him I wanted my money back because my hair didn't grow. Hw told me he had a new product called ( XXXX XXXX Therapy ) that he wanted me to try and that he would pay for it. I agreed to have it done but the product had to be ordered, so he told me to come back when the product came in. So I went back and got the XXXX XXXX   therapy and he told me to come back XX/XX/XXXX and not before so he can see if it worked. 

When I went back on XX/XX/XXXX, the XXXX XXXX had closed and his office was empty. At that moment I was in shocked and devastated, thinking my money was gone forever so I started crying! Since then, I contacted XXXX XXXX through Synchrony XXXX and filed a complaint with them. They said they would do an investigation and that they have a way of getting my money back from him because they have an account for XXXX XXXX from which they can take the money from. After 60 days I called XXXX XXXX back for a follow up and they told me the case was closed and that they did not do an investigation because they have their money and XXXX XXXX has his money. They sent me a letter telling me they were going to investigate the matter and that was all I have heard from them. I have attached the letter from Synchrony XXXX. The letter is in XXXX XXXX 's name because he is the primary card holder and he filed the complaint in my name as we live together. I have also attached several before and after XXXX photos of my hair. 

In closing, this is my second complaint filed against Synchrony XXXXk about this specific complaint. The first complaint was filed with the Georgia XXXX XXXX XXXX on XX/XX/XXXX and I haven't heard anything from them as of this date. I have also attached a copy of that letter for this complaint. I am seeking to recover the {$7000.00} I paid Synchrony XXXX for my XXXX XXXX that didn't grow my hair. XXXX and I believe this is the real reason why Synchrony XXXX  closed his account in the first place. They knew I was trying to get my money back for this case so they may have closed his account to keep us from charging {$7000.00} to XXXX XXXX thinking we would not pay the money back which is not the case. 

Respectfully, XXXX XXXX
I received a voicemail message from XXXX and XXXX. They stated I ignored a deposition and they were going move forward with proceedings. 

I called them back and they stated that I owe a debt of {$84000.00} that I could settle for {$9000.00} and avoid an issuance of a XXXX. The woman I spoke to said if they issue a XXXX it could result in an IRS lien for over {$200000.00}. I told her to contact my attorney and she screamed profanities. 

Here are the violations they committed:1 ) They claimed I ignored a deposition. I was never sued in the XXXX place. 
2 ) They claimed I owe {$84000.00} on a specific debt, which is not correct. Also, this debt is out of the statue of limitations since XX/XX/2012 
3 ) They claim I could avoid the issuance of a XXXX. They only way XXXX could avoid the issuance of a XXXX is paying the debt in full. 
4 ) Used profanities during the conversation.
This company - they give different names when I ask who is this, the number they are calling from is XXXX this company continues to call my family members leaving threatening voice mail messages on my family members phone. I have called this company and informed them this was paid off and I provided the name of company and the contact information for the company this account was paid. This individual at the current company calling me stated that information was not sufficient, he was rude and I have asked them to stop calling my family members and myself.
I refinanced my home mortgage last year ( XXXX ). As part of the process, I was told that flood insurance is now required to be collected by the mortgage company in an escrow account. Previously, I had a flood insurance policy and paid for it yearly. The flood policy never lapsed, since I purchased my home in XXXX, but due to this new requirement, I am paying nearly 25 % more to the escrow account for the same flood policy. In addition, I received a letter yesterday stating that they are collecting for my homeowners insurance, and I have a past due amount of {$600.00} owed to the escrow account. I pay my own homeowners insurance, and again, this has never lapsed since I purchased the home. I have not authorized them to pay my insurance, and I do not want them to, because it will likely end up costing me more as with the flood insurance. This is also the second time my mortgage company has attempted to collect money for my homeowners insurance. 
Is there a way to put my flood insurance back in my control? Also, can you please look into why this company continues to attempt to collect money they are not entitled to? This appears to be fraud.
Capital One, like most other credit card issuers, offers promotional ( often 0 % ) rates, which expire, of course, often in 12 months. However, other than their initial offer notice, Capital One DOES NOT DISCLOSE the expiration date of the offer on their mailed statements NOR online. I have enclosed my online " chat '' with XXXX representatives, who say they are " working '' on it, but declined to give even a target date to disclose this key piece of information. I find this self-serving ( to earn interest based on the forgetfulness and short term thinking of most of us consumers. The disclosure & reminder should be available, & repeatedly provided, by regulation. Thank you.
On XX/XX/XXXX I learned Equifax had not deleted an account ( XXXX XXXX XXXX ) that I received notification from the the creditor and the OFR would be deleted. The letter was sent to all three bureaus on XX/XX/2018. I filed a dispute for the umpteenth time with Equifax since they " obviousy '' didn't receive the request. I received a response to dispute today that the account has been verified as accurate by XXXX but they modified status date and balance date. Equifax is playing games and I want it to stop! It is OUTRAGEOUS that after the creditor would respond to the Attorney General and myself that they have sent requests to delete that Equifax is the ONLY bureau that did NOT receive it AND verified the account as accurate FOUR months after the fact. I want this company STOPPED! They do not investigate anything. They barely review your request. I am being fiscally harmed by their inept ability to handle business accordingly.
Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and XXXX authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
XXXX. ACCT NO. XXXX - BALANCE {$760.00} XXXX. ACCT NO. XXXX - BALANCE {$780.00} XXXX. ACCT NO. 898205 - BALANCE {$1000.00}
We moved out of our apartment in XXXX. We left the apartment immaculate, even cleaning behind the oven and vacuuming our way out of the apartment. 

Several weeks later the apartment management presented us with a bill for "repairs" that was full of mistakes and most of the items included were false and/or in violation of the Texas Property Code. In other words, almost all the charges were for things we either didn't owe or were for things that they could not charge for by law.

We attempted to resolve with the apartment management, but they refused to remove the wrong / illegal items. Instead they sent it to collections.

This is causing us serious financial and emotional distress. We are in the process of closing on a house and the closing is held up because of the disputed collection on our credit report. Additionally, this is causing us to incur higher interest rates and fees and will cost us thousands of dollars.

The collections agency filed a collection on our credit reports. We have attempted to resolve via the proper channels:

XX/XX/XXXX: we sent letters to the XXXX credit bureaus per the FCRA to dispute the information and request them to validate the data. All XXXX responded that they investigated and that the creditor says it was valid. When called to discuss, the credit bureaus said "you need to have the collection agency remove. We just ask them if it is valid."

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA asking them to validate the data. They replied that the creditor said it was valid and sent us copies of the lease and the form showing the illegal/wrong charges. They provided no proof.

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA stating that what they provided was not proof. It also clearly stated what was incorrect or illegally reported, and requested they remove the improper charges and remove the collection from my credit reports. They replied on XX/XX/XXXX that the creditor contends the charges were valid and resent the same information from their previous letter. No proof was supplied.

XX/XX/XXXX: we sent a letter to the XXXX credit bureaus per the FCRA to inform them that we asked the collection agency to validate the debt and remove if incorrect, and that the collection agency could not do this. We requested they remove the collection or we would file a complaint with the FTC and/or pursue legal action.
XXXX XXXX XXXX is reporting on my credit since 2012 for an item that is NOT mine. I have requested proof multiple times and have been disputing it for months and months with the bureaus and none of them have provided proof that it is mine.

For one the debt is old and past the statute of limitations for 2 it is NOT mine!

Unless they can provide a signed contract by me then it needs to be deleted.

For the bureaus XXXX XXXX  IS NOT VALID VERIFICATION!!! Im so tired of these entities being able to do what they want. I need this removed!
On XX/XX/2018, Equifax received appropriate proof of my identity ; copy of identity theft report ; the identification of the information ; and a statement that the information was not related to any transaction by consumer. On XX/XX/2018, Equifax sent a copy of the credit report dated XX/XX/2018, indicating that an Extended Fraud Alert was placed and that the file was blocked for promotional purposes. The information resulting from identity theft remained on the report. 

On XX/XX/2018, Equifax took my call regarding their liability for noncompliance with section 605B of the FCRA. XXXX, a manager in the fraud department, stated that Equifax did not accept the identity theft report because the account numbers were incomplete. The account numbers were truncated exactly how they appear on the Equifax credit report. XXXX also state that Equifax policy does not mirror the FCRA in regards to the four ( 4 ) business day period to block information resulting from identity theft. 

The fraudulent information remains on my report without notification or justification required under the FCRA.
I recently learned that my credit score dropped by 53 points due to my student loan having late payments. The problem with this is that I was on an income based repayment plan and had a {$0.00} payment due. No one has notified me that this expired or changed and now my credit report says my payment is behind 120-149 days. I do n't know who to contact to update my income information. I had a XXXX in XXXX 2017 and have been out of work since XXXX 2017 since before that I was working from home. Can someone reset my {$0.00} payment? Can I be contacted by mail since I have not gotten any other contact and so I can be sure to not miss it?
I first applied with CityWorth Mortgagae and was denied at a sale price of XXXX. Months later the brother of the company owner, lead Mortgagae assistant, XXXX XXXX called me and informed me that I was actually preapproved for a loan up to 189,000. This company had interest to do this process and later chokes on three separate closing dates. I go to learn from the owner of a possible scam maybe forming after I give up close to {$1300.00}, and driving to another state where CityWorth Mortgagae are located in Virginia to pay for home appraisal where the owner denies CityWorth of rising the price on the loan for an extra {$1000.00} around closing where closing attorney where expectations of the owner, his choice of real estate and myself. Once time to close the company thence ignores us all and I nevertheless got no refund nor return on any monetary I have which today continue to place me in the homeless veteran category for months up to today because of the scam done to me. This occurred XX/XX/2017 with again three closing dates that never occurred. I am currently homeless and this company has put me behind and displaced and I am still pleading for a return of my money thats honored to me for my XXXX from service of XXXX.
Dear Sir/Madam, I dispute the alleged debt. It is my understanding that I am not the debtor, nor was I the principal or shareholder of the debtor. Please validate the alleged debt and provide varification thereof the claim is due and owining from me, including but not limited to:XXXX ) Copies of the original signed application, lease agreement. any other loan and lease documents, that relates to the matter ; XXXX XXXX Proof of valid assignment of the alleged debt to me ; XXXX XXXX Complete payment history & books and account records going back to the original creditor ; andXXXX ) Notice, correpondonces, and any other communications with the third party and me
I paid my full credit card balance to Chase ( Amazon.com Rewards ) card ahead of the due date ( paid electronically through Chase 's own site ), but they did n't process it until after the due date. The next month, I was assessed a {$25.00} fee on {$0.00} interest from the prior payment. 

The {$25.00} fee was forgiven, but not the {$0.00} cents. And then a {$15.00} fee was added - no explanation on that. 

I am told they ca n't do anything about the {$15.00} that I now owe - which I should not owe, as I paid on time to begin with. 

I find this predatory and dishonest. When a consumer pays though Chase 's site, and the payment is n't marked as received when it is paid, the problem resides solely with them.
XX/XX/2011 I paticipated in the " XXXX XXXX '' program with the XXXX located in Illinois. In this program, the dealership takes possession of your current XXXX vehicle and puts you into a new XXXX vehicle. This was not a repossession - this was a dealer incentive program. 
Bank of America has reported a late payment XX/XX/2011. In fact Bank of America is reporting paid as agreed payment history from XX/XX/2011 through XX/XX/XXXX. 
I disputed the incorrect late payment with XXXX 12 months ago. Bank of America refused to correct the history. 
I am disputing the late payment again with XXXX. I am filing a complaint with your agency in hopes the incorrect payment history will finally be removed. I am also reviewing my payment history with XXXX and XXXX.
The date shown as the 'date opened ' is incorrect. This date is years after the correct date and impairs my status. I need all incorrect information removed, please. The original creditor was XXXX.
I had several deferred loan modifications with   XXXX   XXXX   XXXX    Between the years of  XXXX  and  XXXX . During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In  XXXX  I was one of the consumers who really could not afford a mortgage but was given a loan any way from  XXXX  loan and some time shortly my loan was transferred to   XXXX   XXXX  . I knew there was a law suite with   XXXX   XXXX   but I did not under stand why. Can someone please tell me where do I stand on this issue.
I contacted Wells Fargo to request XXXX checks be stopped. I made XXXX phone calls to do so on XXXX ; the XXXX was directed to their " Premier '' group due to my account status. That person, XXXX, keep confusing the relevant information for my request ( check number, dates, etc ) while simultaneously emphasizing that if the information was n't exactly perfect, they would ignore my request and process the check. Since the check in question was {$6600.00}, this concerned me greatly. I called again, was somehow not routed to the XXXX and this time reached someone who so clearly was under pressure to reduce her call handle time that she was essentially useless. She seemed concerned only with getting me off the line and finally attempted to do so by telling me that I need to go to the nearest branch. She then attempted to terminate the call. Are n't financial institutions obligated to at least provide basic service such as the processing of stop-pay requests? As a " Premier '' member, a service that I pay for, I would expect better but I would still expect that at the most basic level, they 're legally obligated to provide far more than I received.
My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. 
I 'm filing a complaint because of the lack of help and correspondences with her lender. The loan was approved for a short sale. The offer was put in for a short sale and the offer submitted was not enough. A new contract and offer was also submitted and they are refusing to move forward with the short sale because " a short sale can not be done at this point because there is not enough time for the short sale process. ''
Coinbase.com provided special access keys after I deposited funds. The ID, XXXX, and " Secret Seed '' provided by Coinbase do not work and I 'm locked out of my account. Coinbase has a phone number that never gets answered even after hours on hold. They auto drop many calls. The email support is almost non existent and takes a week or longer to get a reply that does not fix anything. 
I 've have been trying for many weeks to get any support from them but it is impossible.
We want to know why Wells Fargo started the foreclosure process in a letter dated XXXX/XXXX/13 when we completed the list of requirement and promptly returned phone calls and made additional calls to XXXX XXXX of Wells Fargo. 
Why have n't all letter been sent to the Consumer Financial protection bureau especially the completed RMA 's with all additional information that XXXX XXXX of Wells Fargo requested, information that we have sent to Wells Fargo between XXXX 2013 and XXXX 2013, and a letter dated XXXX/XXXX/2013 that stated that Wells Fargo has referred our mortgage to their foreclosure attorney and the foreclosure process has begun. 
We would like to know why we needed the help of Congressman XXXX office to contact Wells Fargo despite our tireless effort to contact XXXX XXXX and Wells Fargo Between XXXX 2013 and XXXX 2013.
Capital One Credit Card Company has wrongfully placed " Account in Dispute '' Flags, in XXXX places on my credit report. 
The subject Mastercard Credit Card from Capital One is no longer in use. The card has been destroyed. 
Date of last usage of credit card : XXXX ( more than 8 years ago!!! ) Balance Owing : XXXX Amount Past Due : XXXX Payment Due : XXXX I contacted Capital One Credit Card Company by phone and demanded removal of " Account in Dispute '' Flags. Multiple Capital One representatives told me that they have No financial records under my name and social security number. Despite this, they have not removed the " Account in Dispute '' Flags from my credit report. The subject wrongful " Account in Dispute '' Flags from Capital One are preventing my application for home mortgage refinancing from being approved. I demand immediate removal by Capital One of the wrongful " Account in Dispute '' Flags from my credit report. I further demand that Capital One be assessed a {$500.00} punitive fine for their wrongful actions.
Credit Line reduced from {$2500.00} to {$500.00} immediately following payment in full of the credit card balance. I contacted Barclay Card to determine ( per XXXX XXXX ) that the credit limit was reduced due to balances on other lines of credit. I advised her that such credit reports do not indicate current information regarding such balances and I offered to provide account statements ( including checking account activity ) which confirms that other such balances have, in fact, also been paid in-full. My request for consideration of alternative account balance verifications was declined. The reduction in the Barclay Card credit limit affects the available credit reported on the various credit bureaus, and thus has a financial impact ( damages ) resulting in otherwise higher interest rates and other adverse credit actions. I feel this scenario clearly indicates that Barclay Card is engaging in unfair practices by not providing an alternative resolution protocol in this matter. This issue has happened previously ( XXXX 2014 ) in which Barclay Card restored my credit limit following receipt of my prior complaint filed with the CFPB in that matter. I am requesting that the CFPB conduct a full investigation into possible unfair actions being conducted by Barclay Card.