WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I, XXXX XXXX went into my bank account with XXXX XXXX  and noticed heavy activity in two personal accounts of mine. Both personal accounts were depleted. In account ending in # XXXX they took out over {$1600.00} plus {$75.00} legal fees with now a minus {$800.00}. leaving it as {$2400.00} and in my other account ending in # XXXX they put a hold and minus on the account for {$2400.00}. 

I received a copy of the CFPB Law Suit with XXXX, Cooling & Winter and I have a judgement against me from Cooling & Winter filed @ the XXXX County Court house which in XXXX Cty which I know nothing about. I have called them and to no avail they have yet to give me anything other then harass me and hang up on me. 

I'm at a loss for words. I'm out money that was helping me live, I was paid by clients, and past income. No contact by the bank to tell me this was happening or that there was a judgement against me and now they have doubled what they say I owe them in the documents uploaded. 

I never knew anything about this. No one informed me about if there was a " debt '' and if I look up my credit report it clearly gives me a good standing credit rating of XXXX as of XX/XX/XXXX. I never received an email, a letter, nothing. 

I'm told after looking through paperwork and hearing from my Business Lawyer ( spoke to the firm just to ask what they thought ) that this stems from XX/XX/XXXX, 13 years ago. Isn't there a statute of limitations? In all the time I have lived in XXXX and here in XXXX County GA now I still don't know anything. 

I need your help because if this is all about Cooling & Winter and I'm a part of that without knowing anything more what's a girl do. I can't open another back account somewhere else until this matter is resolved. Please help me
XXXX AND XXXX ARE XXXX AND SHOWING FAVORITISM TO XXXX XXXX  XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.
Hello, I regularly check my credit score has Im trying to fix my credit. Ive noticed that navient has popped up as a charge off on a student loan. I immediately disputed the derogatory mark has I didnt recognize the lender. Upon further investigation I saw that they use to be a part of sallie Mae. My mother paid off all of my student loans before she passed away in XX/XX/2014. According to the report payments stopped in XX/XX/2014. Navient made no attempts to reach out to me directly. Had I known there was a loan left out I would have picked up where my mother left off. Navient has stayed that they have tried reaching out to me with no response. Ive asked for the phone number and address they have on file which they say they can not provide. Im beyond disgusted with the lack of customer service in trying to get this debt resolved. I find some of what they are doing fraudulent. I have disputed this information to the credit bureaus numerous of times. I must have rights when it comes to this matter.
I got a notification from Paypal stating that a strange transaction was placed on my account XX/XX/2018 for a total of {$210.00}. I did not make a transaction on this date and I am not familiar with the recipient. I contacted Paypal and filed a dispute stating the transaction was not one I authorized. They mailed me back stating that the claim was closed and that this transaction was not found to be suspicious or unauthorized and stated that the transaction would be completed on XX/XX/2018.
SINCE XXXX I HAVE BEEN IN AN UPSIDE DOWN LOAN WITH AGGRESSIVENESS AND THREATS. 
I BEEN TRANSFERRED FROM XXXX XXXX. XXXX WHICH I HAD ON WHICH I HAD ONE PAYMENT LEFT OF {$640.00} IN XXXX OF XXXX. WITH XXXX. I ENTER INTO A LOAN OF {$67000.00} XXXX  PAID THE LAST PAYMT TO XXXX OUT OF THE {$67000.00} I BORROWED. IN XXXX XXXX XXXX  SENT ME PAPERS SAYING I OWED THEM {$240000.00}. I IMPLIED WITH THEM AS TO HOW THIS FIGURE CAME UP. MY ORIGINAL HOME BURNED TO THE GROUND ON THE NIGHT OF XX/XX/XXXX LASTING PAST 12 MIGHT FOR THE FIRE DEPT TO EXTHINGISH SO THE FIRE REPORT READ XX/XX/XXXX. MY FIRE INS CO. ( XXXX XXXX XXXX XXXX XXXX ) PAID ME ABOVE {$600000.00} TO REBUILD AND REPLACE A HOME ON MY PROPERTY LOCATED AT XXXX XXXX XXXX ( PREVIOUSLY XXXX XXXX XXXX ) I QUESTIONED XXXX AS TO HOW THEY ARRIVED AT THE {$240000.00} SUM. I DID NOT BORROW THAT AMOUNT OF MONEY. I USED THE MONEY FROM XXXX XXXX XXXX XXXX XXXX TO REBUILD AND REFURNISH THE NEW HOME. WHICH APPRAISED AT {$310000.00} SINCE I HAVE XXXX XXXX, XXXX XXXX. MY PAYMENTS JUMPED FROM {$780.00} TO {$1800.00} PER MONTH. THE HOUSE PASSED INTO THE HANDS OF XXXX XXXX AT {$1400.00}. THE LOAN THEN WENT INTO THE HANDS OF PRESENT FAY SERVICING LLC XXXX, XXXX, TX XXXX. I ASKED THEM FOR A MODIFICATION AND IT WENT TO {$1100.00}. THE I ASKED FOR A SECOND MODIFICATION UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. FAY SERVICING LLC DID NOT DO A MOD, BUT INSTEAD DID REPAYMENT PLAN TO PAY {$2500.00} /NOW {$1600.00}
GM Financial has not reported my payments since XX/XX/2017 and I pay every month on time.
Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
I rented a car and after returning the vehicle the rental car company made unauthorized charges to my account by stating the car was damaged.The amount of damages was highly inflated XXXX and they could not provide proof that I caused the damage or that the repairs were actually made.I notified my bank about this unauthorized charge that not only wiped out any funds I had in the account but was also hit with Overdraft fees.The bank states since I gave the car rental company my card information they could do nothing for me and also refused to reverse/cancel the Overdraft fees stating it was my fault.
Amsher Collections Svcs {$1700.00} supposedly opened in XX/XX/XXXX for a XXXX XXXX in which i have never had XXXX XXXX i have had XXXX XXXX   since XXXX and have never applied for other cable service. I have called XXXX XXXX and they said they couldnt find my name in system so i asked why was my information sent to collections and they said they would look into it an call me back that was back in XXXX it is now XXXX. Also i called collections Amsher left about four voicemails due to no answer and no call back as of yet. I need this item removed from my account ASAP .XXXX just went by what Amsher Collections told them which i dont think its right. i need to see who used my information or signed supposedly to get XXXX XXXX account.
I had a hospital visit where I saw several specialists. All medical providers billed me properly to the correct address. The XXXX company who did not, XXXX XXXX, sent communication to the wrong addresses and never reached out to me otherwise ; the company has documentation of using the incorrect address, none of which are addresses my insurance provider, the hospital, nor myself have ever used. XXXX XXXX seems to have several addresses mixed up into XXXX which created the communication error. They did however have my phone number and never used it to contact me and instead sent me to collections over {$8.00}. When I reached out to the collection agency, they were very rude and aggressive. The company, ATG Credit, refused to give assist me in a professional manner and also hung up on me. I then contacted XXXX XXXX and spoke with XXXX who said they would reach out to ATG to have my account pulled back to the XXXX XXXX to get this discrepancy rectified. The communication between both companies happened on XXXX XXXX, 2015. Since then I have not received any follow up and ATG has reported my account as Key Derogatory yet again. I have paid them the {$8.00} owed as I would have paid it if I was billed, but this is still on my report and the company did not hold up their end of the arrangement to remove the inaccurate credit infraction completely as if it were never there. IT should not have been there in the first place.
The bank just approves things that are fraudulent deposits checks that i did n't sign for, and approves charges I did n't make, but then I make a charge online and it gets decline and comes back saying fraud. Its been months trying to add my partner to the acct and we did everything they asked us to to send, now they say they never received the documents. The security is so restricted because every little transaction with apple pay puts a security hold on the acct. it also lets merchants to make a payment twice, and reverses payments if it did n't have but {$5.00} short its ridiculous. plus call the fraud dept and they always ask so many questions and there rude.
I 'm very upset! I am XXXX days away from my auction date and my bank is refusing to help me do a short sale on my home. I know that I am allowed a chance! Other short sale negotiators/realtors have told me I have a chance, too. I keep getting told that this is an automatic decline because there is " not enough time to review short sale per investor guidelines. '' I am working with a realtor who is a short sale negotiator and says that according to XXXX and XXXX XXXX, I can start the short sale XXXX days prior to the auction date while according to CFPB, I can start it XXXX days prior to the auction date. My loan is not a XXXX or XXXX XXXX but it 's owned by a private investor, which means I 'm still in the window to start the short sale prior to the XXXX days. I 'm very frustrated! My short sale negotiator is n't able to get anywhere and neither am I and this does n't feel right.
I was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX  : XXXX ). 

Thank you for all your help with this.
Applied for a refinance, XXXX thru the process of closing, receive a call and a email stating the loan has been cancelled. This happened several weeks before the rate lock expire date on the loan estimate. Been given several different reasons why, but none pertain to my actual situation. They refuse to move forward and refuse to refund any of my cost, such as appraised cost etc. They either do n't return phone calls or delay and then send emails, they have not returned a single phone call as promised since this began. Send paperwork saying they sent other paperwork for denial reasons and have n't. Send paperwork that has incomplete dates on it. Yesterday they changed their reasoning for my denial again and said it was further explained on paperwork they sent, I have not received this paperwork as today. Have been very patient, but feel I am now getting the run around and ca n't figure out why.
I am a widow and a XXXX veteran. XX/XX/XXXX - received preapproval letter from BOTW, found a new house, began loan process, sold my home as requirement to obtain loan from Bank of the West. Provided all docs as requested by BOTW, multiple times. Scheduled close on old home in Iowa was XX/XX/XXXX ; close on new house in Colorado was XX/XX/XXXX. On XX/XX/XXXX, received 3 calls from lender asking for more documents to be faxed, all docs previously sent. Late afternoon XX/XX/XXXX, receive call stating errors were made on the loan by the banker, and loan would be denied. She had mistakenly assumed my tax refund was a monthly income amount, and BOTW now decided I could n't afford the loan. They had literally months to confirm all income and catch any errors. Loaded XXXX in the drive ready to unload in new house. Received assurances that the issue was totally their fault and they would " make it right ''. Received new preapproval letter on XX/XX/XXXX to look for new house, as the first house specified must close on XX/XX/XXXX, so was unable to purchase. Arrived XXXX XXXX XX/XX/XXXX, loaded XXXX, XXXX sons, XXXX cats, XXXX dog, and myself. Advised by BOTW to find a place to stay, and they would expedite a new loan. Found new home on XX/XX/XXXX. Moved belongings into storage and myself into reasonably priced long stay motel. BOTW does not expedite, and in fact is not answering calls or emails from myself or my realtor. At the request of the realtor, I fired BOTW 4 weeks onto processing new loan. New loan closed new loan in 2 1/2 weeks. Due to this issue, I lost my entire savings. If had not HAD savings, I ca n't imagine what I would have done. I requested BOTW refund me the appraisal fee iao {$400.00} ( they did ), the inspection fee, the lost earnest money iao {$2000.00}, and the costs associated with losing the loan, a total of {$8500.00}. This amount includes housing, extra time on the XXXX, storage fees for my belongings, and boarding for my animals. I did not request reimbursement for gas to find another home or meals/groceries needed during this time. To date, I have received {$400.00} for the appraisal, and an offer of {$2000.00} if I will sign documents agreeing to leave them alone. We have exchanged numerous letters. They need to give me back the money lost due to their negligence.
On X/X/2017 Equifax disclosed a serious data leak. After using their potential check site, I am one of the  affected customers.
My identity theft is not being taken seriously and was not included in any reporting that USAA did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. 
It went as far as affecting my auto and renters insurance and I received nasty letters from my USAA auto and property insurance company starring they would cancel my insurance because of what USAA REPORTED. 
Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. 
Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.
I received a letter from Wells Fargo today that my credit card was closed for inactivity. I am unable to access online statements associated with this account, even though Wells Fargo 's website says that online statements would be available for 2 years. I want my account reinstated/reopened. And I want Wells Fargo to fix their website so that I can view my online statements from this account again. Under Truth in Lending Regulations ( Z ), credit card companies are required to furnish periodic statements and have proper record retention practices. If I ca n't access my statements from year 2015, they are in violation of these regulations. These companies always want people to switch from paper to paperless statements as a cost savings and convenience measure. However, when it 's time to access the online statements, they 're unavailable.
I continue to get debt letters from a company called convergent outsourcing inc account number XXXX that I have no knowledge of. It appears to be from XXXX and I have never had a XXXX account. I have attempted to dispute with credit bureaus but it does not seem to have made any progress.
TD Bank consistently applies my payment significantly after they receive it. This is resulting in higher than disclosed interest charges.
I was in a major accident and my vehicle was deemed a total loss. Ultimately the other driver was at fault and their insurance company paid out a large settlement to Exeter Finance. I also had Gap insurance which paid out and a refund should've been processed for the remainder of my extended warranty. This was not done resulting in me having a negative remark on my credit report.
My name is XXXX XXXX, you can see why I have often shortend my name to XXXX or XXXX XXXX, yet these credit reporting agencies make me look like a con artist by saying I use several names, they are all mine. There are also XXXX inquires on my report with Experian and at least XXXX of those I never applied for any kind of credit with. I tried to get a credit card to build up my credit and i was surprised to learn i did not since the only negative i had on my report as XX/XX/XXXX was with XXXX for {$220.00}. Recently I applied for a car purchase, even though I do not drive, I need transportation and have my grandson drive me, I was turned down for the purchase. I thought the car dealership had their own financial system and found out that they were applying instead with XXXX banks. I 'm almost XXXX in XX/XX/XXXX, I do not have a lot of money, but I do have integrity, but conglomerates like the credit reporting companies can destroy a persons character with a few degrading words, this needs to stop.
On XX/XX/2013 around XXXX in California time I was at a shopping mall trying on some clothes when I received an email alert on my mobile phone stating that a {$200.00} withdraw was made from my chase debit account. So I checked my purse and my debit was still in my possession while a withdraw was made. I called the bank to complain about the matter and they turned me down twice even though I had supporting receipts stating that I was using my debit card in a city no where near where the atm withdraw was made.
On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted Equifax XXXX online XXXX, XXXX and XXXX to advise of the issue. I asked was there a fraud alert and they said " yes ''. 
Fraud alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the debt collector.
Synchrony Bank/Care Credit ... I went to the dentist for a procedure in which they opened up a Care Credit account ... The account was at 0 % interest and payments were supposed to be made monthly until complete ... I made all my monthly payments, to include on time ... After paying on the account for 12 months, I called in because I had an additional bill and I was told that the account had been charged interest since it was not paid in full in 12 months ... I never received any paperwork stating this would be case nor was this information disclosed to me on month XXXX, XXXX, XXXX, etc ... After all the penalties, interest, etc., I was told that my remaining balance was {$1900.00} ... The initial balance when opened was {$1600.00} and I had paid that all the way off minus {$100.00} ... After explaining to Synchrony the situation and requesting copies of the contract that stated I had 12 months to pay in full, they never sent it to me ... I requested several times over the phone and 3 times certified letter ( all of which were ignored and not responded to ) ... They never sent me the original contract ... In addition, I was told by management that I would be allowed to pay the remaining balance in full ( {$100.00} ) and I should receive a new bill with the final amount within a couple weeks ... I never received a bill and a month later, I noticed they charged the account off and placed it on my credit ... This account was originally for {$1600.00}, I made monthly payments for 12 months at 0 % interest and had a short balance, and now they 're saying the charge of amount is {$2200.00} ... It does n't add up, to include they do n't have my original application/contract.
I just purchased a car through XXXX XXXX. One requirement in order to obtain the deal I received was that I could not put any money down and had to finance through XXXX XXXX in order to get the dealer offer. This meant a high interest rate of 5.62 % but I paid XXXX less than if I chose to get my own financing outside of the Nissan offer as the rebates would no longer apply. I was told I have to keep the loan for 4 months and then could refinance the loan with my lender of choice. I do not have any bills which require a check be mailed and I saw the pay by phone and online options. I decided to make my first payment by phone and wanted to pay a larger amount of {$4000.00} to begin paying it off faster. I was told their was a {$5.00} fee for this which is common and not unexpected. I was informed that I could only pay {$2000.00} and if I wanted to pay more, would have to call back and would be charged another fee. I feel this is unacceptable because unless I set up automatic payments online I would also be charged for online payments. also on my statement, I only see my balance and minimum payment. I do not see the interest that was charged for the billing statement. I like to verify that I am being charged properly and my statement gives me very little information. I will be refinancing as soon as I am able to not be charged yet another fee for early termination.
My Last name is XXXX. TransUnion is refusing to update my last name from XXXX even though I have called numerous times and have provided all documentation they requested and last I spoke with TransUnion they said they could not update it. This is frustrating that I can update my own information to be correct
I have disputed my bankruptcy and the way it is displayed multiple times by letter ( XXXX ) with TransUnion. According to the New Public Record Reporting Standards that went into effect XXXX XXXX2018, it was put into place to enhance and improve the accuracy of credit reporting information. According to the new policy, bankruptcies should display minimum identifying information as follows : minimum reporting of name, address, social security number and or date of birth. This discrepancy has a major impact to credit scoring and predictive performance because of the inaccuracies displayed by the inaccurate display of information being reported by TransUnion and they refuse to remove it!
I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. 
I do't know this company never received any letter except harassment phone calls