WillisBack/dataset-financial-user-claim huggingface dataset:
I was approached by telephone by a phone call last XXXX to help me get a credit card at 0 percent interest until XXXX XXXX of 2018 for {$25000.00}. I could even name the company card I wanted from some choices. They said they would intervene for me to get the card for a percentage up front which would be charged on the card and that I could never get the card on my own. They said they were a card member services group that helped consumers get better credit card deals ; They charged a fee over {$1000.00} to help getting the legitimate card from Chase. Terms = {$25000.00} limit at 0 % interest until XX/XX/XXXX then. 16.3 %. 

I agreed like an XXXX and did get the card which is a valid card and with the stated agreement with Chase Card Services listed above, even though getting the card did not seem like it was shady. 

Everything was normal about using the card until on XX/XX/XXXX. I received a call from someone claiming to be from Chase ( that's what came up on the caller ID ). 
He knew the balance charged on my Chase XXXX card as Well as a XXXX XXXXXXXX Card I have as well -- and as well the latest payment made on the Chase card. 

He never asked for account numbers or any banking numbers. 

Can this information be obtained though the Credit Bureaus? 

He claimed that under this program that Chase would write off the whole amount if I paid a percentage of the outstanding amount on the card- which he said would be {$2900.00}. This is not what I remembered the arrangement to be, but I thought maybe I misunderstood the actual arrangement. He had answers to all my questions, of course. He told me to get a cash advance on my XXXX XXXXXXXX Card for this amount and to make a deposit to a XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I did so that afternoon. 

He said his name was XXXX XXXX at XXXX, He said he was calling from Florida - XXXX, I think, but am not sure. 

I feel so stupid for going along with this whole scam from the beginning. 

I have no written documentation other that I can prove I withdrew {$2900.00} cash on XX/XX/XXXX as a cash advance on my XXXX XXXXXXXX Card. I can not seem to find my documentation from XXXX XXXX XXXXXXXX for the transfer of funds but am still looking. 

Do I have any recourse? 

I am assuming not since it was a cash transaction. 

Please help. I am literally sick to my stomach about this.
Today, XX/XX/XXXX, I noticed a charge of {$24.00} on my bank account taken out on XX/XX/XXXX. The merchant description was Experian* Credit Report ( XXXX  ) XXXX CA. I called Experian to file a compliant and they claim my account is free and never charged my account. I disputed this transaction with the bank and they said I had to call Experian. The money was clearly deducted from my account and someone has the funds.
XXXX does not report two of my mortgages-both of which are open and current. I have filed 3 disputes trying to correct the problem and get the same results each time. 

My most recent disputes were filedXX/XX/XXXX ( one for each mortgage company ). I received a response from XXXX XXXX stating that they resolved one issue and that the account is closed. And the other mortgage they can not find so it is not reporting. 

I 've contacted both mortgages who say they are reporting to XXXX each month. 

I would like the history corrected for both mortgages.
Have made Several payment settlement XX/XX/2018 XX/XX/2018 XXXX/218 and XX/XX/2018 on the first set I needed them send me the agreement in writing called them in XXXX several times trying to see where the letters were and find out what date they were mailed out XXXX acct was for XXXX and settled@XXXX and acct with capital One for XXXX Settled@XXXX These Two Accts. were to be paid by XX/XX/2018 and if I needed more time I was to call them in may I called them again and told them that I still had not received the letters I spoke to a XXXX he then told that the letters were not out because I needed to give them Permission to contact me and call me I ask a fax number so I could send them what they needed XXXX gave me a fax number to fax the release I tried to and their fax was not working I called the back they gave me another number it did not work so I mailed them to them and onXXXXorXXXX of XX/XX/XXXX I called them back to see what was going on I was connected to a Operation Manager she told me that to email her the release and then she would send me an email reply to them by say that I Agree and they would email me the Letters and she would put it until XXXX I never received the email so I called them again and this XXXX they told me that the pay off agreement was no longer and that I need to a higher amount on accts I am still waiting for the email payoff agreement I now think that this their way to get more money I also asked to speck to Corporation., was told that they had no way of connecting me with Corp because of this I have Lost my funding and my3.5 % rate is gone the home was sold to a new Buyer
My mortgage was just recently sold to Nationstar mortgage from XXXX XXXX XXXX. I have been trying to get my PMI of {$160.00} removed since we have 20 % into our mortgage. After several attempts to get the paperwork, I received it 2 months late. I have tried to e-mail, regular mail and have tried to fax it to more than XXXX fax # 's that were giving to me by nationstar employees. The faxes do n't ever go through, and when I call they just give me another # that does n't work. They receive my payment checks but seem to disregard the paperwork about the PMI cancellation. Their lack of professionalism has cost my family hundreds so far.
VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST XXXX NOW XXXX AND TRANSUNION ALL BC OF XXXX. PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY 18TH TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID XXXX HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM XXXX XXXX AND TRANSUNION AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. GEEEEEEEEEEEEEEEEEEEEEEEEESHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH.
I have been disputing this account for 6 months with XXXX XXXX, XXXX, XXXX and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}
XXXX XXXX XXXX is reporting inaccurate information regarding an alleged late payment. We were never late on this account. I have disputed this information with XXXX XXXX XXXX and they have claimed to verify the information as accurate. However, I was able to locate the agreements signed by an account representative of their company which moved the seasonal payment due date and receipts and confirmation numbers showing we continued to make our regularly scheduled payments during this time. The seasonal payment is a flexible payment that is contingent upon when customers receive their tax returns back from the federal government, in which consumers have no control over. A payment can not be late is the due date is modified in writing by a representative of this company. XXXX XXXX XXXX continues to report this inaccurate information despite my dispute, and efforts to bring a duty to report information accurately per the Fair Credit Reporting Act to their attention. I have disputed this information with the Credit Bureau, Experian, as well who has also claimed to verify the information as accurate when in fact it is not, and the enclosed records provided to both companies proves this. However, they continue to report this inaccurate information in violation of my consumer rights under the Fair Credit Reporting Act.
Debt collector continues to call my job with an automated message stating my name and that they are trying to collect a debt. My secretary had heard the message as I work in a school. I 've tried to get them to stop calling, but they will not.
XXXX  was notified about fraud accounts on my file that fraud, ... .. I submitted the documents to have the account block.The Bureau refused to block the accounts over 3 years..Once the XXXX XXXX account was block and added back on file with my knowledge.When I ask Office Of Consumer Finance about why? My question never answered. Which I had over 13 fraud account that was on XXXX And XXXX that been removed over 3 years ago ... The Bureau had block me from monitoring my credit and do n't give any access to Office of Consumer Affairs.
On XXXX XXXX 2016 I closed out my checking account Commerce Bank on XXXX and XXXX downtown XXXX MO with the manager XXXX XXXX bringing my account to a XXXX balance this concluded my business with the bank of 7 years on good terms. XXXX the XXXX Commerce Bank took it upon themselves to reopen my account and honor several auto payments with merchants without my permission. Now the bank is trying to come after me with overdraft fees and what is now in negative balance of over {$200.00}. I did not intend to pay the merchants which was my reason for closing my account. By reopening my account without my permission is fraud on a very high level. Upon trying to speak to them about the situation I was met with a rude condescending and gangster like mentality please help. Clearly the bank made a mistake and how they closed out the account causing it to be able to be reopened and funds taken out that did not exist. Now they expect me to pay for their mistakes. Please help thank you.
Portfolio Recovery called me on XX/XX/XXXX18 at XXXXXXXX XXXX EST and on XX/XX/XXXX18 at XXXX XXXX EST. I've asked them to stop calling me at work. I do not own the phone number and I'm not allowed personal phone calls at work. The told the receptionist is was a business matter and it is not, its personal. I told them to send me what they are talking about in writing. They are trying to collect on a debt that is over 10 years ago.
Our payment for XX/XX/XXXXwas not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid both XX/XX/XXXXand XX/XX/XXXXpayments together on XX/XX/XXXXin the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on theXX/XX/XXXX was paid on XX/XX/XXXX ( 8 days past due ) and XX/XX/XXXX payment was due on theXX/XX/XXXX and it was paid on XX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data forXX/XX/XXXX and show us 30 days late forXX/XX/XXXX I called XXXX   to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX  chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data forXX/XX/XXXXand late forXX/XX/XXXX for ourXX/XX/XXXX account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXXto be 30 days late. We have been current on our loan since XX/XX/XXXX
I do not have any contractual obligations to this debt collector, once a debt is written / charged off, that debt becomes paid and contract is good. I have absolutely no obligation with them.
my husband passed away and he had credit life insurance so my mortgage should be paid off but loancare are still makin me pay and and they keep raising my house payment and now they are sayin I owe XXXX $ late fee which I do not I mailed and owe them nothin
I have been going back and forth with Wells Fargo regarding reporting on my student loan, they agreed to remove two late payments from my CBR 's as they were mailing statements to an incorrect address that was provided to them by someone other than me. I have since updated the address on file and phone number with them. As they allowed changes to my account to be made by someone other than the primary account holder which caused statements to be mailed to the incorrect address I believe all the late marks should be removed from my CBR 's as the co-borrower was making payments, and I had no way of knowing if payments had been made. I have since received online access to my account and have been making payments. Attached is proof showing they removed two lates from my CBR, there are XXXX other late marks on my CBR that should be removed by the logic used to remove the XXXX and XXXX lates from 2016. These lates were not removed in goodwill they were removed as Wells Fargo error.
Someone used my name to secure a student loan while I was in prison. I attempted to get each credit reporting agency to correct it but they refuse.
i cant use my online axcess i tried pay with XXXX wellsfargo will not answer phone.
They call excessively every day on working hrs ... .I know I need to make my payment they do n't have to call so much
I had a car accident XX/XX/2018. After the accident I contacted my insurance for car repairs. The insurance sent out a check with the amount of {$8800.00}, my name and XXXX XXXX name were on the check. XXXX XXXX  has a complicated process. The body shop where my car is being prepared and held at, has to send XXXX XXXX proof of photos, invoices, and vehicle preparation proof. After the proof is sent through mail, i would have to wait a few days or weeks for XXXX XXXX could sign and send the check to the body shop. The problem was that XXXX XXXX sent the check out to the wrong address! After I waited for about 2 weeks, I decided to call XXXX XXXX and was told that they had made a mistake. Which was that they sent the check out to the wrong address. The check never appeared!! I had to then call the insurance to tell them what had happened. They had canceled the check, that was never found, and send another one to my personal address. After i received the check i was then told to send it back to XXXX XXXX as an overnight shipment. Then once again told me to send out the same documents i sent in the first place : invoice, photos etc. While this process is happening, I am being charged a daily fee for the car being held at the body shop until they receive and clear the check from the car repair. They do not allow me to send any of these proof documents through fax. I was told to send them through overnight shipment to speed up the process. I shouldn't even be paying for these things! I want my money back! This was their fault. Issues like this should be fixed! My car has been in the body shop for over 2 months. I have been having to rent out vehicles so i could be able to work and pay my bills.
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds one from XXXX XXXX that has been discharged and the other from XXXX a division of XXXX XXXX XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
XX/XX/18 - I initiated a dispute for wrong information online XX/XX/18 - I checked my report and found that my auto loan account had been changed ( This was not part of my dispute and up until XX/XX/18 it was reporting correctly.

XX/XX/18 - I called Equifax, spoke with XXXX, totally unknowledgeable and unclear English.

XX/XX/18 - I called back after XXXX refused to transfer me to a manager.

XX/XX/18 - Spoke with XXXX  who transferred me to XXXX  ( Like XXXX he continued to tell me I had to dispute the information, which is ridiculous since they changed it in error )
My personal information was part of a data breach which occurred at Equifax on XXXX XXXX 2017. I believe that my data was improperly stored and now face potential identity theft due to their negligence.
On XX/XX/2018 I received a letter in the mail saying that my recent application for a Wells Fargo deposit account is being denied. My application was evaluated by a company named XXXX XXXX XXXX XXXX but no where listed in the letter stated why my application was being denied or what information was used to come with this decision.
I reported on XX/XX/XXXX to EXPERIAN, that a student loan in the amount of {$31000.00} was paid off in XX/XX/XXXX. The debt was owned by XXXX XXXX XXXX XXXX ( XXXX ) I provided documentation to EXPERIAN that the debt was paid off. 
EXPERIAN reported that XXXX XXXX certified the debt as current. 
The document provided from XXXX XXXX clearly shows the account is at a zero balance.
This auto issue to collect from me is made by my ex wife not me ... ..she is legally responsible for this auto loan thats in collection ... ..it shouldnt be on my record.
This is an addendum to reopen claim:XXXX Attached please find consent from my mother giving permission to represent her interest in this matter. She does not speak English and her health is delicate as a result of a XXXX. Therefore, she has assigned me to speak on her behalf.
trans union allowed XXXX aka XXXX XXXX to report a medical collection to me credit file this account was being paid by XXXX and can not legally be reported Tranunion has no right to allow a collection agency to report medical information this in against hippa laws and in violation for the Privacy ACT this account was report with a XXXX balance and needs to be removed.
On XX/XX/XXXX XXXX put a {$39.00} in collection on me. I paid off XXXX XXXX and i guess this was a renewal fee. I never noticed this on my report and never received a notice in the mail since they were sending it to my old address and i never knew my account was sold, so when i saw {$39.00} and saw the name XXXX XXXX i send a check and sent both my moms payment in with two checks and both statements to XXXX XXXX. After watching my credit and noticed it was not taken care of i called XXXX XXXX and they applied BOTH checks to my moms account and took the blame and reversed the {$39.00} payment one her account and told me that they would take care of XXXX. After several months XXXX has not taken care of it. The day they applied it to my moms account ( XXXX XXXX XXXX ) Card XXXX was in XXXX, and the day they reversed it was XX/XX/XXXX. My file number is XXXX with XXXX. XXXX XXXX confirms they have this payment and I wish someone would help me with this. Its been months that this has been paid ( the day i found out about what this was i took care of it ) PLEASE HELP. XXXX should take this off my credit report since they NEVER sent me notice of this to the address i live at so i had no idea who they were. Do i need to hire a lawyer or the banking Dept? 
XXXX XXXX XXXX XXXX XXXX XXXX
There is a credit card from XXXX XXXX that has been opened fraudulently in my name. I have dealt with alot of rude representatives from this place and I have not recieved any help concerning this fraud. I have already sent an identity theft report and nothing has been done.
I have been trying to contact Equifax to request my free credit report. But they refuse to provide me with my granted free report. I believe they have some wrong information on my credit report but how can I dispute it without even being able to get access to my report?
I 've been working with  Ditech re garding loss mitigation options, I have been submitting all documentation requested on time and following up for updates 3 times a week. Since  XXXX   XXXX ,   XXXX   I have not been able to receive a call back from my Point of Contact   XXXX  . Numerous voicemails have not been returned and when calling Ditech to speak with anyone, they all direct me to her voicemail leaving it impossible to receive an update on my status that I have been working so long on.
There is an account listed on my reports from Pinnacle LLC that should not be reporting. The Federal Trade Commision has stated in federal court orders that Pinnacle is prohibited from participating in debt collections.
I, my friends, my family, and my employer have all received multiple phone calls from an agency, purportedly to collect a debt. When describing the ways in which these collectors have violated the FDCPA, I had XXXX or XXXX different options from which to choose. These people have refused to verify any debt. They have refused to disclose from what agency they are calling. They have called my employer repeatedly, after the human resources manager hung up on them, in an attempt to block the line. They have called my employer threatening to serve me with papers, and asking how they can contact me. They have used false court filing numbers ( such as case numbers, etc ), as though a debt had been litigated already. They have used generally abusive language, have been harassing, and have used false telephone numbers, spoofing the number of my local court house, to convince me that they were calling from a governmental agency. In their latest attempt to contact me, they inadvertantly left a name of their agency which I could then research online. I have since submitted a complaint in writing to them, requesting they cease all telephonic communications with me. If they violate this request, I have informed them I will take further legal action.
This debt is in reference to a portion of rent that a former landlord says I owe when I provided the correct move-out notice and the landlord also breached my contract by entering apartment without notification ( expressly forbidden by the lease agreement ) on multiple occasions, thereby violating my privacy. 

I am contesting the actions of the collection agency, Louisiana Bureau of Credit Control located at XXXX XXXX XXXX, XXXX LA XXXX lbccinc.com XXXXThe collection company informed the XXXX credit agencies - XXXX, XXXX, & XXXX - on XXXX XXXX of a delinquent debt. However, I was not sent a letter until XXXX XXXX. On XXXX XXXX, 2015 I sent a certified letter ( USPS XXXX XXXX XXXX XXXX XXXX ) disputing the debt. 

The collection agency is required by law to notify the XXXX credit bureaus of this dispute. They did not. I visited their office on XX/XX/XXXX and was informed by the manager that they passed the dispute on the credit agencies. On XX/XX/2015 I called all XXXX credit bureaus and none of them have any data indicating that Louisiana Bureau of Credit Collections ever notified them of my dispute. 

This violates the Fair Credit Reporting Act on the grounds that 1 ) they did not validate the debt and filed it with the XXXX credit agencies XXXX months before sending me a collections letter, and 2 ) they did not forward my dispute on the credit agencies as required by law.