WillisBack/dataset-financial-user-claim huggingface dataset:
This is related to claim # XXXX that I submitted against XXXX XXXX. 

I posted a bed on XXXX to sell for {$700.00}. This person contacted me via a XXXX  email account and provided a cell phone number to contact them with : XXXX. The deal was that he was going to mail me a check, and I would cash the check. Once the check cleared, he would set up movers to come pick up the bed. He told me that I had to pay the movers for him, so the check he would be sending was for more money then how much the bed costed. I assumed that meant I would pay them in cash. He said he could not come see the bed in person because " he was at distance '' ( he spoke in broken english ). The check was sent using the USPS, tracking # XXXX. Sent from XXXX XXXX, at XXXX XXXX XXXX, XXXX, PA XXXX. It arrived on Monday XX/XX/XXXX. It was a cashiers check from the XXXX XXXX XXXX for {$2200.00}, and appeared to be real. I deposited it using my XXXX Mobile app, by taking a picture. XXXX then emailed me that night saying " my deposit had been accepted ''. The funds were made available immediately in my account, so obviously i assumed that meant it had cashed. Then, the person told me that to pay the movers, I had to wire the money to them using XXXX. He told me to wire {$1400.00} to XXXX. My bank, XXXX, uses XXXX for XXXX XXXX XXXX, so I trusted the service and used it. I wired the money and he told me that the movers would come pick up the bed that night. When the money did not arrive right away, he also told me to try wiring it to " XXXX XXXX '', at XXXX. The movers never came, the person stopped responding to me, and then XXXX put a " hold '' on my account for {$2200.00}. It turned out the check was a fraud, but it was too late, I had already wired {$1400.00} to that email address. When I reached out to XXXX to file a claim for fraud they told me there was nothing they could do because I was the one who deposited a fake check and I was the one who wired the money. It was the perfect scam. XXXX has zero consumer protections in place and doesn't even help you if you used it through your bank, they just refer you to your bank customer service. This article confirms that what happened to me has happened to countless others : XXXX XXXX XXXX XXXX/ Summary of evidence : 1. Phone Number : XXXX 2. Names : XXXX XXXX and XXXX XXXX 3. Emails : XXXX, XXXX 4. USPS Tracking # : XXXX 5. Bank : XXXX XXXX XXXX, XXXX, XXXX
My wife and I are attaching a copy of the letter we sent to the credit bureaus, asking for a credit investigation. More than 30 days have past, and we have not gotten responses yet. The bureaus are supposed to respond within 30 days.
Commercial Recovery Systems , Inc. 
Contacted me XX/XX/17 from a blocked number stating they had a process server needing to serve me. Directed me to call the the plaintiff directly of the civil compliant. 

Refereed me to XXXX with court case # XXXX XXXX who said the case was being brought up against me by XXXX XXXX, and proceeded to give me more information. 

They are misrepresenting the legal status of a debt, with impersonating attorneys, attorneys staff, or judicial employees, in violation of FDCPA.
Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX. Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX for {$4900.00}. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I continue to receive unsolicited credit card application forms from Capital One even after I froze my credit and informed Capital One customer service to remove my name from their mailing list.
My Citibank Costco Visa card was abruptly closed by Citibank on X/XX/17 without prior notice or explanation as to why they are closing my account. I just found out about the problem at a store when I tried to use my credit card and it was declined. I called Citibank using the number listed on the back of the card, but the specialist on the line could not tell me why my card was suddenly closed without an explanation. I have been advised to write Citibank a letter to ask what happened to my card. I was only given a XXXX XXXX XXXX without a name. This is an unacceptable behavior from Citibank. I have been a loyal customer for years without issues. Now I can not even get an answer from anyone.
On XX/XX/2018, informed the credit bureaus that I had no knowledge of this debt and received an " accounts verified '' letter back. On XXXX, 2018 I asked for information on validity but never received the answer to my question. Portfolio Recovery sent me screenshots of what appeared to be a bill of the balance owed but didn't list any purchases or information verifying the account. On XX/XX/2018 I sent Portfolio Recovery a letter asking them to verify the accounts because they do not belong to me and sent them a form in which they failed to respond to. Instead, they continued to send the same documents that literally only have my name as personal information ignoring the fact that I am telling them there is a problem! I sent yet another letter out on XX/XX/2018 advising them they still have not validated these debts and it needed to be validated or removed from my account since the accounts did not belong to me. On XX/XX/2018 I sent another validation letter, and yet another one on XX/XX/XXXX and still nothing changed. On XX/XX/2018 I also reached back out to the credit bureaus again to advise them of the back and forth all because they are reporting inaccurate accounts on my profile, they responded with the same computer generated response.
I have been in my current home since XX/XX/XXXX. It was purchased jointly with my now estranged wife, she moved out of the home on XXXX XXXX, XXXX, due to our work schedules we never got around to filing for divorce. As the economy collapsed in XX/XX/XXXX, I lost my job and had to file for Chapter XXXX Bankruptcy, eventually converted to Chapter XXXX. In XX/XX/XXXX I was able to obtain a loan modification that knocked off approximately {$100.00} a month, and put me in a XXXX year loan. I was able to complete this loan modification with only my notarized signature. I XXXX in XXXX and filed for Social Security XXXX benefits, during this time I had zero income, I was on the XXXX program and I was able to apply for a loan modification with the help of my US Representative 's office as they contacted XXXX XXXX and XXXX XXXX eventually offered me a modification on a XXXX month trial period, which I completed and I finally received the paperwork to be signed, notarized and returned, only this time, they are requiring that my estranged wife, who walked away XXXX years ago, must sign the documents as well. They wanted the documents returned by XXXX XXXX, XXXX, which I was unable to do for the reason stated above. I spoke with my estranged wife and she has agreed to a simple, uncontested divorce and I am asking Citimortgage to extend to me the allotted time to complete the divorce as I have have continued to make timely payments, based on the proposed modification, yet they notified me that they have revoked the modification and will proceed to foreclosure if my account arrearage is n't brought current before the close of business on XXXX XXXX, XXXX. I have been stressing and fighting to keep my home for some time. I just want peace of mind and would like to stay in my home.
In XX/XX/XXXX I spoke with a representative from Sallie Mae regarding a missed payment and an account past due fee. I paid my past due amount during that call and the representative discussed repayment options with me. At that time I was on a graduated repayment schedule that from my understanding was a 15 year term at $ XXXX payment. During this particular call I was told about other repayment options but it was never discussed with me over the phone that changes made to my repayment plan would result in an extension of the loan to 27 years with XXXX additional years of interest only payments. On XX/XX/XXXX Sallie Mae sent information regarding those changes to my personal email account with the loan terms but I did not understand at the time that the changes were already in effect and how this would impact me financially. 

I have been under the assumption since XXXX ( when my loans became active ) that I was on a 15 year repayment schedule. I chose this schedule only because I was told that I didn't qualify for income based repayment and I could not afford the standard level monthly payments at the time. I was mislead into " consenting '' to an extended level repayment plan over the phone in XX/XX/XXXX. I would have never knowingly consented to a plan that resulted in 12 additional years of payments ( 27 years total ) and added interest. My loans are now owned by Navient and the information sent from Sallie Mae is no longer available for me to view. I spoke with XXXX today, a manager at Navient, and was told that if I change back to a standard level repayment plan it would now result in a monthly payment of {$1700.00} because of the accrued interest. The other option presented to me was to change to another plan that will result in 2 years of interest only payments all over again. Of note, I have worked in higher education since XXXX and was also told that I didn't qualify for public service loan forgiveness either because of the payment plan that I'm on. 

I attached a copy of my monthly statement. Since my loans are now managed by Navient I can no longer view past emails from Sallie Mae that described the repayment plan in question.
I am a victim of ID theft, I have tried to deal with this company but they refused to reply to me. 
I request a block of this account according to XXXX code XXXX XXXX of information resulting from identity theft ( XXXX XXXX ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX XXXX XXXX days business days after the date of receipt by such agency of : Beginning ( XXXX ) business days after receipt of information described in paragraphs ( XXXX ) through ( XXXX ) of subsection XXXX a ) a check services company shall not report to a national consumer reporting agency described in section XXXX XXXX p ), any information identified in the subject identity theft report as resulting from identity theft.
A recent overview of my credit report revealed that Credit Management LP, had appeared on my credit file. So I sent notice to this company they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Credit Management is continuing to report negative information on my credit report, even after they have failed to provide validation.
I have tried to rectify this 2 other times : In accordance with the Fair Credit Reporting Act Section 609, Section 611 and Section 604, I am requesting that you DELETE the following INQUIRIES as I DID NOT authorize them : INQUIRY XXXX XX/XX/2018, INQUIRY XXXX XX/XX/2018, INQUIRY XXXX XXXX XXXX XX/XX/2018 Furthermore, In accordance with the FCRA, I request A detailed explanation on how you conducted your investigation, the names and addresses of the businesses you received your information from in relation to the investigation. I request all of this information within 30 days. Also, I would like a corrected copy of my credit report!
A debt collection agency named Sunrise Credit Service repeatedly robo-calls me from various numbers. I tell them I 'm not the person they 're looking for, ask to be removed from their list, and they say they do not keep a list. They will stop calling for a few weeks and then begin again. I have told them repeatedly that I am not the person they 're looking for but they keep calling.
URGENTForeclosure sale set for XX/XX/XXXXRe : Carrington MortgageI have been trying to work with and submitting requested documents for a loan modification since XX/XX/XXXX. I have lost count but think it has now been nine ( 9 ) times so far. They have been unwilling to follow through on the promised process. Every time, I get a letter stating that I have not included all requested documents ( which I have. ) When I call to find out what they are missing, even the clerk answering says " yes I see that document '' and everything is in order and she will make a note for the processor so that it can go to underwriting. They have all my contact information but I never get a call or return call from the process person or underwriting. Months went by when I called and only got a recording stating that they were overloaded with calls and call back at a later time. I then and always get a letter stating that since I did not meet required documentation the file is closed. I call again, they see all documents but say there is nothing they can do once it is closed and I will have to resubmit. And the entire debacle starts again. When I asked where do I file a complaint, I was cut off. I have since enlisted the help of a Housing Counseling Agency and they are experiencing the same issues. Exuberant amount of time on hold only to be told the contact person is not in and also requesting documents already sent ( this can be verified in the XXXX Portal. ) The Agency has been outright refused by the servicer to speak on the loan despite Carrington having an authorization on file. Carrington seems to be purposefully postponing the review of the mortgage loan application when a pending sale date of XX/XX/XXXX is coming close. And with the XXXX holiday that leaves only 4 business days to remedy this situation. I therefore, urgently need your help and intervention immediately. We desperately want to keep our home and are diligently doing our part to try and make that happen.
I contacted XXXX XXXX XXXX on multiple ocassions. I have repeatedly told them this is not a personal debt it is a debt covered by Workers compensation because it was a result of an injury from work. Ive provided them with the correct information for them to bill Workers Compensation but they are refusing to bill. Ive called the office where the services were rendered to me and they said in their system workers compensation did cover that bill. I dont know why they keep putting it on my credit ... its starting to upset me the bill has been paid and Im tired of seeing them put it on my credit
On the XX/XX/2018, I received a text message on my phone that someone had been used my credit card to purchase something at XXXX XXXX with amount of {$3900.00}. I declined already but XXXX XXXX still took my money out. I reported to the XXXX XXXX to do the investigate but they won't give back my money. 

XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Amount charges : {$3900.00} Last 4 digit SSN : XXXX
I spoke with a supervisor by phone with Sears today. I asked if I could get a lower interest rate, but they said 25.24 % compound daily is the standard for CCs. I make monthly payments consistently the XXXX week in each on my credit card. My account is due on the XXXX. I pay more than the minimum account due. Only about {$88.00} of my {$200.00} payment reduces the {$4000.00} balance. In order to avoid paying so much interest, I was told to make payments around the XXXX after Sears billing cycle around the XXXX. That way, I will pay XXXX days interest instead of XXXX days interest. I have had this account for XXXX years, and this is why it 's taking such a long time to payoff. According to Sears profile, if this continues, I would have paid them {$13000.00}, for this account. This appears to be a tricky way for Sears to keep me ( consumers ) in debt. The billing cycle date was not significant to me. They scheduled a due date, however, if I pay on the due date I pay more interest, than closer to the billing cycle date. This does not seem fair to me, nor consumer friendly. Thank you for your attention.
The creditor listed below have been notified and state they are not re-reporting any of the information listed on the credit file, but Equifax keeps re-reporting the items listed below after removing them years ago as a result of identity theft. Between XXXX and XXXX, Equifax removed at it leisure, the accounts listed below after receiving all the legal documents necessary to prove identity theft. After removing the items, years later in XXXX, Equifax reinserted the items listed below without even notifying me before doing it. After contacting Equifax to correct the issue, their employee tells me i have to file a dispute on these item that have been reinserted into my credit files years later. This practice by Equifax is illegal. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am a victim of identity theft. The following XXXX XXXX XXXX XXXX credit card account : XXXX thats listed on my Equifax, XXXX and XXXX XXXX credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX.
THIS IS FRAUD. I HAVE REQUESTED VERIFICATION AND PROOF AND DISPUTED MULTIPLE TIMES. PLEASE LOOK INTO AND SEE IT IS NOT MINE AND REMOVE
Told the law firm that I did not want to be contact about this debt but they sent another letter.
I had been working with Wells Fargo for a loan modification for quite some time now. Recently I was denied a loan modification a 4th time after being told i did not make enough income to sustain an affordable payment. ( the first time i was denied for making too much money ). After verifying with XXXX XXXX ( Home Specialist ) that the income used was miscalculated, she informed that my file was noted by the Underwriter that they will not use my income. I find this exceptionally hard to accept as this is my home that i would like to save. My Husband and I lived here for many years before his passing and i would do anything to keep my home. I have even offered them 75 % of the past due amount in hopes that they would accept and allow me to make payments. The fact is that i can afford my payments, it just seems that Wells Fargo wants to take my home away from me. I would really like for Wells Fargo to provide me with a fair review of all my income and not exclude some of it. I show affordability, but now if they can only see that. Please help me save my home.
I have contacted CRA about personal information being reported on my credit report such as social security numbers that are inaccurate and provided supporting documents and they have not deleted this information
XX/XX/2015, XXXX XXXX diagnosed my computers problem as needing a new hard drive. They told us we couldnt just pay for this repair and would need to purchase a service plan that would cover the work needed. We were heavily persuaded to purchase a 3 year plan of nearly {$350.00}. Plus purchase the additional hard drive, which was not covered in the plan. 

When they went to install, they realized that the hard drive was, in fact, not the issue and the motherboard needed replaced. This assessment forced us to junk the computer and purchase a brand new one. We have been trying ever since to be removed from the service plan and receive a refund for it. We even offered to pay for the labor hours, but have been denied at every turn. 

XXXX XXXX roped us deceptively into a contract under the pretense of need. When that need was proven false, they refused to allow us out of the contract. Oh, and to add insult to injury, when we took our dead hard drive to a retrieving service to get our precious data from it, it was found that the blank new one was still in it. It took XXXX XXXX two days to even find our actual hard drive, which they never returned to the housing. 

We have never used this service for anything else and essentially paid {$350.00} for a wrong diagnosis and were forced to buy a new computer anyway. We tried repeatedly to receive a refund from XXXX XXXX, Best Buy, and Best Buy Credit. We were brushed off at every attempt. Since it was a credit purchase yet paid from pocket, I continued to make payments on the account until only the disputed funds remained unpaid and simply stopped making payments at that time. My credit report will show that this is not typical behavior for me and Im not trying to just avoid paying my debt. 

We are currently being sued by the collection agency representing the debt, and have since acquired documents from the original creditor containing fallacies regarding the transaction. These lies assert that work was done when in fact, they're charging us {$350.00} for a diagnosis.
My account is in default because I haven't paid on it due to very low income. Now they are taking my whole entire refund. When I have a child that now I can't even take care of. My tax money was going to be used majority on my child. The struggle is real. I tried to go on the rehabilitation program but instead they just reduce what I owe and only have a month to payback XXXX. First I'm not rich I'm poor so how can I pay XXXX within a month if I don't make nearly that in a year. I don't understand.
This is from XXXX XXXX in regards to CapitalOne Auto Finance Loan Account # XXXX : 1 ) CapitalOne has been Billing the loyal paying consumer 16.55 % APR since XXXX with out any loan readjustments and this account is not in adherence to XXXX XXXX industry standards, interest rates, trends and paradigm shifts such as Block Chain Technologies 2 ) Although  the initial sales order shows 72 payments. But, Capital One online statements show and insist on 75 payments of {$500.00} misleading the consumer 3 ) The vehicle should have never been sold to the consumer because it does not complete the definition of a business transaction because it has lacked quality in manufacturing 4 ) The vehicle should have been tested by the financier for quality standards. because, The vehicle has had various recalls. specifically with the Engine of this XXXX XXXX XXXX model leading to quality problems and risk of engine failure, risk of accidents and major risk of loss to the consumer 5 ) CapitalOne tends to show all Predatory Lending Practices in this account scenario 6 ) The vehicle vehicle amount financed was XXXX and total amount paid to financier is XXXX. But, has lost significant value due to continued Manufacturing Defects and Lack of Field Failure rate and Quality Metrics from the manufacturer. 
7 ) This matter was notified to Capital One. But, had no outcomes and the consumer is being robbed again and again and again