WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX sent false debt collection information to Bursey and Associates XXXX. The original creditor is XXXX XXXX Bank, XXXX. The debt in the amount of {$590.00} do not belong to me nor have I done any business with either of them. I notified the XXXX office and they are suppose to remove this false claim from my name. What upsets me the most is that XXXX XXXX XXXX assumed individuals with the same last name is associated with a debt their trying to collect. I 'm tired of these credit card companies submitting false claims and the credit bureaus are just as bad accepting false information.
I was working with a financial advocate to clean up my credit report and get my debts cleared and in doing so we disputed some things on my credit report to make sure things were accurate. A payday loan that I took while I was in the military service from a company called XXXX XXXX is the problem. I initially took the loan for {$3000.00} dollars on XX/XX/2013. I paid this loan until I was XXXX from the military on XX/XX/2013. I brought this balance down to {$1600.00} dollars over this course of time with {$120.00} payments every month via an alotment on my paycheck. After I was XXXX from the military I lost everything and I went through a period of XXXX. Working with the advocate, after we disputed and checked the accuracy of the debt and it was reported completely accurate at {$1600.00} dollars by all three credit bureaus. Within 60-90 days of getting the reports that it was accurate, the creditor sold my debt to another party and increased the debt to {$4100.00}. This is a violation of the fair credit reporting act and the fair debt collection practices act and therefore, I want the amount to reflect accurately and I want to stop this company from doing this to veterans like me. I need help bringing a suit under the fair debt collection practices act.
I recently applied for a credit card with Capital One on XX/XX/218 and was declined " Based on your credit report from XXXX, there have been too many recent inquiries '' I checked my credit report for accuracy and shows I only had 1 inquiry prior to application. I've been on the phone with Capital One for a few hours trying to get an answer and they are stating application can not be overturned. I was denied credit with no valid reason and made it known to them before submitting complaint. I understand there are various factors looked at when submitting a credit card application and met all the requirements before submitting ( XXXX fico ).
Due to hardship, financial situations and a XXXX  in the family it shows that I have a late payment for Kohls. I dont recall having a late payment. Im trying to remove the late payment from my credit. I have been on time with every payment making double payments or more and I still cant get an increase with Kohls. Please remove the late payment from my credit report so I can move forward. Ive tried writing letters and even cool down but still cant get an answer.
I have had a " Build to order '' checking account at Compass Bank for over six years. 
I started getting fees late last year while I was between jobs. My auto deposits stopped while I was looking for work. In late XXXX of 2015 I started working again and the auto deposits started. I increased the amount of the deposits to {$270.00} per semimonthly pay period. This total {$550.00} per month in auto deposits. 
I have called and asked the bank what these charges are for and they say that the individual deposits have to total more than {$300.00} per semi monthly period. Aggregating the deposits monthly is not allowed ( this is an unannounced change ) and it is costing me {$10.00} per month where it did n't before.
I am an victim of ID theft my information was stolen and I have multiple problem because of this, I am dispute an account with capitol one card I se I send the a letter stated them to validate the debit and the only thing they send me back was statement, I spoke with a lady in the fraud department on XX/XX/2016 by the name XXXX stated that the account is my bea because of my phone number, I ask her to send me a copy of the credit, I do applicant and she could n't, and no response, I send over police report to capital one and a letter asking validate the debit and no help
This company keeps calling me hangs up some times breaths then hangs up, I called back to find out who it was I asked who is this they said your mother and were very nasty the call keep on going. They claim to be looking for a woman to whom does not live at this address, I did tell them to stop calling and this person I do n't know and never heard of them. After calling again to ask them to stop calling they cursed me out and said we know who lives their and we are coming for you. I immediately did some research online and only came up with a collection agency called IC systems these people are illegally calling me and harassing me. XXXX
I get harnessing calls from Sallie Mae any time of the day or night on weekend, Sunday all day. I am a XXXX treatment patient currently and I explained this to them. I know i owe this debt. I give them what I can afford and they still state they want more. My co signer is my XXXX Dad who did n't know that i would have went through such medical problems. I XXXX in XX/XX/XXXX and in XX/XX/XXXX diagnosed with XXXX XXXX. I am paying this bill of {$30.00} a month of what I can afford out of {$180.00} a month check. I just want them to set up a payment plan of {$30.00} a month something I can afford and stop calling and telling me I can pay more. Today i spoke to XXXX XXXX, floor supervisor XXXX XXXX. Sallie Mae knows all the people that I have spoke with to come to some type of agreement of this matter.
This is debt belong to my son XXXX XXXX who passed away on XX/XX/2016. The XXXX XXXX XXXX used the collector agency DCM Services, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Tel XXXX XXXX XXXX. In the amount of {$890.00} Ref # XXXX. Turned over this debt to my name, who is the father. 
My name is XXXX XXXX. I do not have anything to do with this debt or any knowledge at all. I Do Not co signed anything on this debt. I already sent out his original death certificate to XXXX XXXX XXXX notified, verified after his death. DCM Service sent me Certified letter that the debt {$890.00} was once belonged to XXXX XXXX now is be under my name XXXX XXXX. Why is that? 
Do I have responsibility to all my kid ' s XXXX? Till I died too? 
Sorry to say, I have been paying his life insurance all this time, did not know I paid for nothing because he was over XXXX years old. 
Now for this I did nothing, XXXX
On XX/XX/XXXX my bag was stolen with my personal belongings including my debit card, my phone, my old drivers license, and my old school ID.in XXXX XXXX, NY. Due to a day full of finals on XXXX, I waited to make it to the bank and close my account/report card stolen. On XX/XX/XXXX after my last final I drove to a chase bank near my home.. I reported my card stolen. The lady at the branch checked my account to make sure the card was not used, and sure enough it was. 12 fake checks were deposited into my account. They were forged and made out to look like they were mine. I filled out a fraud claim. The signature on the fake checks does not even match MY personal signature.. I believe the fraudsters used my old student ID from my previous college to make the fake checks as the fake checks were made out to be written to me from XXXX XXXX. Red Flag # 1 : Out of three whole years of attending XXXX XXXX, I NEVER received a check from them.. I also no longer attend that school. Red Flag # 2 these 12 fake checks were deposited in XXXX, NY. I live 1 hour and a half from XXXX and have NO associations whatsoever with anyone from XXXX.. The 12 fake checks totaled {$4000.00}. I also had {$95.00} in my account which were used as well. Because my father was the joint owner of the account, Chase decided to take {$4000.00} out of his account and hold us liable when I was victimized. A bank that talks so much about making sure customers are pleased and supported, completely failed at supporting us. Instead of accepting my 4 different fraud claims, Chase denied every single one because they believe my pin was shared. I 100 % know I do not have my pin written down anywhere and have never given my pin away.This has been very unfair from Chase 's part. They have made it known that their customers really don't matter and they will do anything to keep our money. My father is now short {$4000.00} and Chase refuses to give the money back. It has been a never ending battle.
I have a Target credit card that I got behind on this year due to a layoff. In early XXXX 2015, I received a voicemail from their attorney XXXX XXXX XXXX. I called back and spoke with a rep who advised me of a payment plan I could sign up for. It called for payments of {$66.00} a month with the first payment due later that month. I advised I would like to sign up but told him I 'd have to call back because I did n't know the exact date I wanted to make the payment or which bank account I wanted to use. I did not advise of any bank account during the call or authorize any payments to be set up. He said ok and I advised I would call back. Money situation remained tight and I knew I could n't make a payment that month so I wanted to see how my situation was in a few weeks and did n't call back. I checked my XXXX XXXX XXXX account yesterday and noticed a {$66.00} payment had been processed and was returned by the bank because my account was already in the negative. I was charged a {$35.00} nsf charge for that payment. I do n't understand how Target and/or XXXX XXXX XXXX could take a payment from my account without any authorization from me. This just makes my bad financial situation even worse. I absolutely did not authorize any amount of payment to be automatically taken from my account. The check image in my checking account shows a {$66.00} payment drafted with Target 's name on it. I absolutely did not schedule any payment on Target 's website and with the payment being exactly {$66.00} I would assume the rep from the attorney 's office told Target that I would make the payment and they decided which bank account to use. I am very upset with both companies for trying to take a payment and I do not authorize them just setting up any more on their own. I want to make some sort of payment arrangements but at this point have a hard time dealing with the attorney. Being attorneys they should know what they have done is unlawful and needs to stop. If there is some way of looking up the recording of me speaking with the rep from the attorney 's office it will prove I did not authorize any payment and was never given the option to advise exactly when I wanted to make the payment, which bank account I wanted to use and I surely was not given any sort of confirmation number. Thank you.
CMRE is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for a medical bill for my daughter XX/XX/XXXX. That was over 9 years ago. I had never heard from CMRE so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section XXXX.
On XXXX XXXX, 2016, I paid my Sears account and was told by the automated attendant that the bill would post the following day. The following day came and went and I spoke to a Supervisor named XXXX who indicated that it was Citibank 's policy to hold the money for an additional 7 days and that I would not have access to the money until the XXXX of the month. I believe that this is fraudulent since I would never be able to catch up on the bill if they hold the money for 14 days. Furthermore, this allows finance charges and the like to accrue without payment. This is against the law. I believe this policy needs to be investigated.
If you make your payment on line and it is the XXXX or after they charge a {$10.00} Rush fee - even though the payment is not delinquent ( assessed a late charge until the XXXX ) There is no way to pay your payment on line after the XXXX with paying this fee. Additionally, if you pay after the XXXX of the month they assess a late charge and the fee. I want my {$10.00} fees back.
I have reason to believe that Synchrony Financial is attempting to use dishonest, fraudulent tactics to extract late fees from customers. On XX/XX/XXXX, I applied for and was granted an XXXX XXXX   Credit Card backed by Synchrony Financial. On XX/XX/XXXX, I still had not received any form of card, bill, or statement from the company. I attempted to go online to access the account, but they require an account number. Since I had never received a bill, card, or statement, I did not have the account number. I tried to use their telephone system, and it also required an account number. I was then able to get a representative on the line, and he verified my ID with my mailing address and social security number. When I asked for the account number so that I could submit a payment, he said that the law forbade him from giving the number over the phone. I then asked to speak with a supervisor, and they placed me on hold for over 30 minutes before disconnecting me. I am trying to make a good faith effort to pay my bill, and Synchrony is actively preventing me from accessing my account to do, which will lead to late fees and interest charges.
I been Disputing to Experian the following Inaccurate, Obsolete and Outdated Information on this accounts:1.XXXX # XXXX.XXXX # XXXX.XXXX # XXXXFor the pass year. Please investigate Under CFPB Rules and Under F.C.R.A ( 15 U.S.C Secretary 168i ) and Corret the Erroneous marks on my credit report.
XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX ,  XXXX   XXXX  SS :  XXXX  Attention : CFPB Reason : Dispute  XXXX   XXXX   XXXX  : Account Number  XXXX  - Derogatory Credit Reporting Item - Erroneous Account Balance of {$190.00} NO TRANSACTION OCCURRED. NO SUPPORTING DOCUMENTATION OR RECORD FROM  XXXX   XXXX   XXXX . NO RECORD OF SHIPMENT OR INVOICE OF ANY PRODUCT OR SERVICE FROM  XXXX .      XXXX   XXXX   XXXX  IS ACTING IN AN INSUBORDINATE FASHION AND REFUSES TO RESEARCH THE ACCOUNT OR PROVIDE EVIDENCE OF ACCOUNT BALANCE.      XXXX  OWES A CREDIT OF {$110.00} FOR  XXXX   XXXX   XXXX    XXXX   XXXX   UPGRADE FROM  XXXX  FOR ACCOUNT IN QUESTION.      XXXX   XXXX  SUPERVISORS  XXXX  AND  XXXX  IN ADDITION TO REPRESENTATIVES  XXXX  AND  XXXX  WERE INSUBORDINATE IN RESEARCHING THE INQUIRY OVER THE PHONE ON  XXXX / XXXX / XXXX . ALL REPRESENTATIVES WERE  XXXX  OR  XXXX  DISCRIMINATING AGAINST A  XXXX  MALE.     REMOVE DEROGATORY ITEM IMMEDIATELY. FLAG AS FRAUDULENT.
I have been working with wells fargo since XX/XX/XXXX regarding my mortgage and my sicuation wells fargo did nothing but toy around with me and waste time buy time by lie and until XX/XX/XXXX they sold my loan to XXXX they are not good refuse to send me statement stopping me to work on my loan and get help from other organization I asked wells fargo for mortgage forgiveness because do to my health issues I will never be able to work currently I am waiting for my benefit to go through. 
wells fargo did not care and did n't look into my situarion. 
I do n't want to become home less if its happens its purely wells fargos fault this loan was a Wachovia loan with been bought by wells fago and currently owned by wells fargo I was cheated and person and the invester who got this garbage are made tun if money and walk free and I am stuck with this loan XXXX is not good they are very slopy and not help
This Equitable Acceptance Company contacted me in XX/XX/XXXX,  told me they were associated with the Federal Government to help repay student loans. I did have loans from late XX/XX/XXXX for XXXX XXXX XXXX. Told me that only a portion would need to be payed and the rest would be forgiven in their program. They said they would consolidate the loans, and if i got in, it would be before the Obama Administartion rules changed. 
They talked a good game, so I went for it. 
They told me that my payment would be lower at XXXX $ a month for 18 months then I would be done and paid off. 
They said I would be paying approx {$1800.00} total, then it would be forgiven. 
So i did it, when was presently paying around $ XXXX monthly and had out approx {$6500.00} at that time and going through XXXX. 
So to do this service with them and consolation, I was charged a one time fee of an addtional {$150.00}. I gave them my bank account information and my social, they sent me an email contract to electronically sign. I said would do this, but asked that they send me hard copy too, never received anything. I should have known then! 
So here it is months later paying {$49.00} a month, drafted from my checking account and I didn't think anything of it. Then this month, I get a letter from XXXX saying my loans were not being consolidated, due to no date and Signature being suspect, so i called them. 
This is when i realized it was a scam! I also got in touch with XXXX who said that my loan payments were stopped and it was in Forebearance! 
I only authorized this through the false claims that the company was taking care of everthing to consolidate it from original source and to pay it off. 
I called Equitable Acceptance and cancelled the payments to them and to complain that I knew was scammed. I've also been in touch with XXXX and will get on a legit repayment plan now. 
I hope I can recover the fees and payments made. 
When I called the scam comany to stop the payments, they said I was under contract with a second company and so they gave me that number, called and heard nothing back of course, and it went straight to a VM where I left two messages. Seemed like it was a cell number. 
They also told me it would still have to be paid and will be on my credit report that I didnt pay and that they had my signature on a contract.
Despite multiple requests, via phone, mail, and online dispute, wherein I have reported that a particular item on my report ( XXXX XXXX Bank Acct. # XXXX ) is not mine, Experian has neglected, failed and refused to remove and delete this item or respond to my request for re-investigation pursuant to FACTA and FCRA. Rather, the report merely idicates the item has been " updated, '' meaning that the item " was verified as belonging to [ me ]. '' I continue to dispute this " update '' ( and want to learn more about how they purportedly carried out their alleged investigation and " verification '' ).
Greentree Servicing attached force-placed insurance to my mortgage payments twice since the loan was taken out in 1997. After providing the new policy to Greentree in each instance, Greentree then tacked on an additional {$800.00} onto my loan each time ( for a total of {$1600.00} ) and when I inquired, they said that even though I secured private homeowner 's insurance, that I had to finish paying for their policies. This does not make sense as they were charging me over {$200.00} per month for their force-placed insurance. 

I am a paralegal and have been for over 30 years. I have done been involved with many foreclosures and loan closings. I feel Greentree 's insurance division has not only overcharged me, but I believe that Greentree has not properly credited my payments.
My wife received a XXXX debit card w/ {$150.00} as a gift during her XXXX XXXX XX/XX/XXXX. We never got around to using it until i opened the card XX/XX/XXXX. Upon opening the card and setting the card for activation, i learned that in addition to {$6.00} in dormancy fees, another {$130.00} in unauthorized debits were made to the card. I followed the dispute resolution instructions, received a new card, and now i receive no info as to the status of reinstating the embezzled funds. The phone number i am referred to for follow-up inquiries instructs one to leave messages for a call back. 4 times i have done so without response. Moreover, i have once waited 2 hours and 37 minutes for a live operator only for the call to be disconnected.
I purchased a car using XXXX XXXX on XXXX/XXXX/XXXX and I had a wreck where my car was totaled and my GAP insurance paid this car off in XXXX.
I received an alert showing a collection account that I had no knowledge of. I never received a letter or call about any amount owed to this company. I was not given the proper chance or time to pay this account because I did n't received any notice. I have tried to advise that I was not contacted but no one is helping me. I see a collection account for {$34.00}. The proper steps were not taken to insure that I was aware about this account so that I can pay it. Not my credit report took a hit because of this.
I received a quote for a  10/1  ARM in the amount of {$700000.00} at a rate of 3.325 %. A rate lock agreement with this rate was signed. A few days later, I received an email stating the rate would no longer be honored and it was being increased to 3.475 %. The bank stated they had not done their due diligence in determining which types of loan rates I would be eligible for. I had selected the bank for its low rates and the rate should have been honored instead of providing a bait-and-switch once I completed an application and signed a rate lock agreement. No one should be subjected to this type of predatory lending.
The XXXX medical bills that are open collection on my credit report are false. I included ALL my medical bills into my bankruptcy. The dates that they are giving are false. These XXXX account were open way before my bankruptcy. Which is like a year or XXXX before my bankruptcy. If I am force to get documents then I will begin getting the paper from the doctors office showing when the account were originally opened. These company 's should not be able to just keep renewing the old accounts so that they continue to stay on someone credit file and be eligible to keep harassing people after a bankruptcy.
The entity claims I owe them money for a debt I do not owe and had never paid on but on my credit report they have been throughout the course of ten years making it appear to where I started and setup a payment with them and have been making payments to them which I have not ever once. I have not even contacted them throughout the span of ten years. Everyday I get harassed by phone calls all from different yet local numbers ( too many to count ) to disguise the true nature of who was really calling my house. They will get on the phone trying to bait me by impersonating someone other than a debt collector. They sent a fear factor letter in the mail threatening to take funds out of my check. Since I have known them to be irrelevant I have to step up and now and take action towards them and ask for proof of any transactions they claim I have made to them so they can be made fools of I can be left alone. I have stressed and endured harassment long enough over this.