WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a new checking account wi th Wells Fargo  on  XXXX   XXXX    XXXX  . They had a promotion going on which was if you deposit money into your account and make  10 different tr ansactions that you will receive {$250.00}. It says you should recieve the money before 45 days, no later. I 've met all the requirements and have n't recieved anything. I went to the branch where I live and they said that the offer expired, which they were right it did expire but not until  XXXX   XXXX , I already met the requirements before then. My husband opened up his account and did all the requirements when I did and he already recieved hu sband 2 weeks ago. I called customer service and they told me I would be recieving the money that day, that was 2 weeks ago. I 've tried calling again to let them know I have n't revived anything and th ey told me I was n't eligible. So now I 'm confused on if I 'm getting lied to or if they do n't have the funds. I met every requirement, so I 'm confused as how I 'm not eligible.
Equifax got hacked and still charged me XXXX dollars to put a freeze on my account even though it was their fault I needed to do this.
My Citibank/Best Buy 's account was credited {$430.00} on my behalf by my bank for payment on XXXX XXXX, 2015. Payment was due on XXXX XXXX. The amount paid/credited to Citibank/Best Buy covered the entire balance on my account. Citibank/Best Buy has charged, and is continuing to charge late fees despite electronic records showing that the payment was timely received.
This has been happening since last year and the calls were not as frequent last year as they have been at the beginning of this year. They 've been calling my phone hounding me everyday about a medical hospital bill that I owe and no matter how much I tell them to stop calling and I will pay on it when I have the money, they still keep calling. Sometimes more than once in a run of a day. It 's persistent and annoying. It 's gone beyond the point of phone harassment because I tell them to stop and they still keep doing it. I just paid them XXXX XXXX dollars on this medical bill they keep talking about and normally when you make a payment, the calls slow down, even if it 's just XXXX payment. But no. I make XXXX payment, they 're still calling my phone bothering me to make another payment when I already told them that I DO NOT HAVE THE MONEY. I do n't get paid much at my job and I said I 'll do what I could after my bills are paid. My more important bills are a XXXX of a lot more important than XXXX hospital bill. I 'm not about to go homeless just so they can stop calling me. I want them to stop. I made a payment online that was on the paper bill I received and they said they got it. If they got it, they need to stop calling me. Or I 'll have them sued for phone harassment. I understand they 're bill collectors and all but I 'm not made of money. If I do n't have it, then I do n't have it and I 'm not going to make promises on days saying I 'll pay it then because I know I wo n't be able to if something comes up. They want their money and they will get it but I do n't need them harassing my phone. So long as they got XXXX payment they should be happy and not annoying as XXXX. I want something to be done about this and if nothing is, I 'll just have the XXXX phone turned off and any new phone number I get, they will not be getting. I do n't need the sound of constant ringing in my ear from people who just want money. I do have a life and other things take top priority of it. It will get paid when I have the money. Simple as that.
i purchased my wife 's ring from XXXX on XX/XX/2011 the financing was done through westlake financial services and the billing was serviced through XXXX XXXX, the ring was paid off, the loan amount was {$5000.00} with financing and charges i paid a total of {$7200.00} if not more. westlake financial and XXXX XXXX both used my credit report to determine financing for this piece of jewelry, WESTLAKE FINANCIAL NEVER PUT THIS FINANCING ON MY CREDIT AND DUE TO THIS ERROR NOW MY CREDIT REPORT IS NOT REFLECTING THIS PURCHASE OR FINANCING WHICH IS MY RIGHT, WESTLAKE HAS BEEN UNTRUTHFUL ABOUT THIS AND HAS MADE CHANGES IN GOOD FAITH AND AS REQUIRED BY FDIC. THEREFORE WESTLAKE HAS VICTIMIZED ME AND MY FAMILY AND DECEIVED ME IN XX/XX/2011 WHEN I AGREED TO THE PURCHASE THEY WERE NOT HONEST ON THEIR PART AND REPORTED THIS FINANCING ON MY CREDIT REPORT, I NEED WESTLAKE FINANCIAL TO REPORT THIS FINANCING XXXX MAJOR CREDIT BUREAUS ASAP.
My wife and I consolidated our student loans in XXXX and made our first payment on XX/XX/XXXX. We borrowed ( consolidated ) {$21000.00} for the total amount. The interest rate is 8.125 % and is daily accruing interest. Though we had several periods of forbearance, we have paid a total of {$32000.00} in total with only {$6900.00} applied to principal and {$24000.00} of interest and {$750.00} in late fees. We STILL OWE {$25000.00}. Something just doesn't seem right with paying this much and getting nowhere. 

We just made a call to Navient ( XX/XX/XXXX ) to get some explanation and the numbers did not make sense when the representative was attempting to explain. He said the interest was computed differently on one payment we were discussing because of the time of year it was when we made the payment.Once my wife called and they overcharged us on a late fee by {$12.00}. She only caught it because something did not seem right and she was tracking our account daily. We do not have the time to check behind Navient daily to see if they are doing something not right. We even pay about 10 days early now and it does not make a difference in the amount that goes to the principal. I just can't understand how we borrowed {$21000.00} and will be paying back {$57000.00}. Please help us find out what is going on here.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Cc : Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Account Number ( s ) : XXXX CERTIFIED # ( XXXX XXXX XXXX XXXX XXXX ) Request for Admissions/Default for Non Response To Whom It May Concern XXXX XXXX XXXX XXXX I refer to the previous CONDITIONAL ACCEPTANCE package received on XXXX/XXXX/XXXX Certified Mail Number : XXXX XXXX XXXX XXXX XXXX Your company did not answer my request " Point by Point '' as Required by Law.
I received a letter from Fifth Third Bank " The curious bank '' that said through an envelope window " ACTION NEEDED : Respond By XXXX XXXX, 2015. '' On the back side of the envelope, it said " Time-Sensitive Materials Enclosed. OPEN IMMEDIATELY. '' This piece of mail was seen by my family members who assumed that this was very important that needed to be dealt with immediately. My family overnighted this mail to me so that I could handle whatever needed to be dealt with " immediately. '' Inside was a " Notification of Pre-approval '' for a platinum card. This type of deceptive advertisement has now cost my family money. To me, this is a clear UDAAP violation in the following ways : ( i ) it has caused a clear financial injury to me as a consumer, ( ii ) the injury was not reasonably avoidable due to the language from Fifth Third Bank and ( iii ) the financial injury I incurred definitely does not outweigh the benefits of having yet another credit card that I do not need.
On XX/XX/2018 I had a pre-qualified offer from XXXX XXXX to purchase a car. I took this offer to XXXX XXXX XXXX in XXXX, NC. 

The financing department at XXXX XXXX XXXX submitted multiple credit applications on my behalf without any consent. XXXX XXXX XXXX fraudlently submitted credit applications without my consent to XXXX XXXX and XXXX XXXX XXXX. There could be more but these are the two which I received letters for.
I have officially filed suit against Transuion. I have repeatedly disputed items that do not me since XXXX. It is now XXXX and they still refuse to remove the items. I was also affected by the glitch where they removed items off of my report and put them back on there. As of XXXX/XXXX/2016, I have filed suit in XXXX XXXX against Transuinon because of their refusal to follow suit along with the other Credit Bureaus and remove the items. I am done fighting with them. I will let my attorney do the talking and I will be suing for the full amount that the law allows. Also, Transunion refuses to update my address in the system as well after I have sent them documentation.
I have been unable to enroll in any kind of payment plan that lowers my student loan payments in any way. I have been filling out applications online and though the mail for over 6 months only to be denied each time on the base of missing information ... .incomplete information ... .leaving things blank ... keying in answers wrong ... .its always something. And I know that each and ever time I have filed the paper work correctly. I am being put into forbearance causing my intreast rates to soar though the roof. I have asked and begged for help with no respons from company. I have been given bad and incorrect information regarding my loans.I am also being harrased 7 days a week at all hours of the night and day to repay loans that were included in our bankruptcy. I have also applied for a case in the closed school causing me a worthless degree but each time they say if not filed that application corecctly either I am in need of answers and help!
I attended Georgia XXXX XXXX XXXX ( GA XXXX ) in XXXX, GA from XX/XX/XXXX-XX/XX/XXXX. I have several private student loans and have recently been trying to get my accounts in good standing as I am finally in the position to pay down some of my debts. XX/XX/XXXX I was contacted by a debt collection company, Regional Adjustment Bureau, about a defaulted student loan now owned by XXXX XXXX XXXX. They told me that the loan was a GTAM-MRU loan with an origination date of XXXX XXXX, XXXX. They told me that the balance with all the fees and penalties was {$45000.00}. After months of back and forth, On XXXX XXXX, XXXX, I agreed to settle the debt for {$31000.00}. On XXXX XXXX, XXXX I wired the money to the instructed account. I received a paid letter that the debt had been satisfied. Over the next few month I noticed that none of my MRU loans had been changed on my credit report as " closed '' or " settled for less than owed ''. I began to worry and called the collection agency. I was informed that it could take 90 days for this information to change on my credit report. On XXXX XXXX, XXXX I was contact by a different debt collector, XXXX XXXX XXXX XXXX, representing Turnstile Capital Management. They said they were calling to collect on the MRU loan opened at GA XXXX XXXX XXXX, XXXX. They said they would settle the {$26000.00} debt for {$13000.00}. I informed XXXX XXXX that this debt had been paid to a different collection agency on XXXX XXXX, XXXX for much more money than that. I asked them for the loan origination documents. They mailed me the loan origination documents. I also contacted Regional Adjustment and they assured me that the debt had been settled. When I asked for the extreme differences in the amount owned and I was informed that my {$31000.00} payment was for several loans that they had from me. I asked them to specifically indicate which loans they had of mine and where this money had been applied. I have never received those documents. XX/XX/XXXX I was again contacted by XXXX XXXX about this debt. I asked them for a contact number to XXXX XXXX XXXX and they could n't provide XXXX, so I googled them. After calling several numbers I reached a voicemail and was later called by a representative. This representative stated that NO payment had been received from XXXX XXXX and that the account had left their office on XXXX XXXX, XXXX because they had not been able to collect on the payment ; XXXX XXXX was now handling the collection of this debt. After many phones and extreme anger Regional Adjustment Bureau or XXXX XXXX XXXX has not returned my money or called me to discuss this issue. Regional Adjustment was not under contract with XXXX XXXX XXXX to collect this debt on XXXX XXXX, XXXX and therefore the payment MUST be returned. In addition, Regional Adjustment did not accurately report the amount of money I owed and falsely negotiated a settlement that surpassed the debt owed. I am demanding my entire {$3700.00} be returned so I can pay the correct debt collector {$13000.00} and have this mattered settled.
Account was granted retroactive forbearance that covered these time periods. I notified FEDLOAN to adhere to FCRA Secti on 623 ( a ) ( 2 )  in  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.
Have been receiving calls from XXXX at Summit Receivables ( XXXX & XXXX ) regarding a debt for XXXX XXXX XXXX at phone # XXXX. The phone number is my XXXX number that I have had for over five ( 5 ) years, but I do not know the above mentioned XXXX . XXXX. Today was the fifth time the agency has called and the fifth time I told them that there is no XXXX . XXXX with this phone number. Please advise how I get them to stop calling me!!!!
My card wasn't working so I finally called Bank of America and I was told the card was closed. Why was the card closed? I didn't call to close the account! This is my oldest card and Bank of America is trying to destroy my credit rating!
I have already filed one official complaint through the state of IL Attorney General office regarding a student loan debt collection. They continue to call me at work on the business phone line. The line they call is a business only line. What must be done to stop them from harassing me at work? Can you direct me to a legal channel because filing complaints has not worked. This has been going on for over two years. The last call I received was from XXXX from Transworld Systems. The person calling was XXXX XXXX. The call was at XXXX. on XXXXXXX.
they keep putting the account under another company name once i dispute it with the credit bureau. It shows that this account has never been late then when i look under the collections department it shows up as a bad account. 

Company name is : XXXX XXXX XXXX : XXXX XXXX {$3000.00} Opened account date:XX/XX/XXXX never paid late Last payment date :XX/XX/XXXX
I recently received this letter from this company informing me that I owe them money, to my knowledge this company has never provided me a service and neither have I entered into a contact with them to pay them for said services
A man called me asking for information on how to contact a " XXXX XXXX ''. The man said my name was listed as a connection for XXXX XXXX. The man on the phone did not identify himself until I asked for his name. He said he was XXXX ( XXXX? ) XXXX with Nation 's Recovery. I asked if this was some kind of emergency that he needed to reach XXXX XXXX. He said, " No. '' He did not explain what the call was in reference to, but he left a phone number to call - XXXX XXXX XXXX XXXX, ext XXXX. My phone shows that XXXX XXXX call actually came from ( XXXX ) XXXX, Wednesday XXXX. XXXX, at XXXX. 

I believe this call breaks several laws concerning debt collection and I want to file a complaint.
I contacted Navient by with my attorney on XX/XX/XXXX. At that time, we were told that Navient would send me a XXXX form to film out. Almost a month later, I still had not received any form from them, so I called again on XX/XX/XXXX and requested that a XXXX form be both mailed and emailed to me. To date, I have still not received any XXXX form from Navient. I expect to be given an extension on my forbearance at no expense to me until they get me the XXXX forms.
In  XXXX  of   XXXX   I received a letter from Convergent Collections with my nephew 's name and my address. It was a collection notice for a supposed account from a number of years ago. My nephew has never lived in Iowa. There is only  one way Convergent cou ld have gotten my work address and that is from one company that I have power of attorney to represent my nephew in negotiating a settlement. There is nothing else linking my nephew to my work address. When I called Convergent they would not tell me where they had obtained my address and they lied to me telling me that my sister-in-law had told Convergent that the bill was really mine and that she had given them my work address. I am attaching a letter from her disputing their claims. We have attempted to resolve this issue but without any success. We need your assistance in this matter.     Prior to this time Convergent or  XXXX  had not notified my nephew of the bill, he had not received a right to cure notification and it was turned over to a collection agency.
Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Loan # XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Check : # XXXX Issued : XX/XX/XXXX Amount : {$5000.00} Check : # XXXX Issued:XX/XX/XXXX Amount : {$4900.00} Total : {$10000.00} My name is XXXX XXXX, and my property at XXXX XXXX XXXX is mortgaged with XXXX XXXX, formally known as XXXX XXXX XXXX. My loan number is XXXX. Within my mortgage, I have set up an escrow account with the financial institution to pay my property taxes. Recently, it was brought to my attention I have uncollected refunds that we're not mailed to me from XXXX XXXX. I was notified by 3rd party agencies that I had money floating in the county. I did my due diligence and found out this was in fact true. For the reason being, the check amount was above {$5000.00}, I needed an " Authorization to Release '' form for the institution that paid my taxes, XXXX XXXX XXXX  at the time. In XX/XX/XXXX, I called XXXX XXXX and they gave me their fax number, so I faxed them my request. Two weeks passed and I didn't hear or receive anything. I called them and that is when I learned XXXX XXXX had actually denied to sign the form because of a letterhead issue. They didn't notify me by mail, by email, or by phone call. I then emailed both XXXX and XXXX on XX/XX/XXXX. Two weeks passed again and no word. I called the institution once more only for them to deny me access to the loan department. It has now been over 1 month in me attempting to recover the monies owed to me by this institution.
After system glitch, I am missing XXXX dollars due to incorrect balance projected. Funds were also removed from my saving account without concent and removed from my transaction history. I have contacted rush card for over 2 weeks without a resolution I 've been avised it would be resolved at the highest priority. No one has us reach out to me via phone email and or XXXX on social media. I have multiple screen shots proving unauthorized activity.
1. My wife and I, both XXXX, foolishly signed papers pretending to sell our house in order to prevent foreclosure. 
2. We want to clear the title, loan still in my name, resume mortgage payments, now considerably reduced. 
3. Do not include sensitive information like your name, contact information, account number, or social security number in this field. So what " my information '' can I give you? 
4. 2008 $ XXXX mortgage5. Review?
I am a victim of identity theft. My personal information was compromised and inquiries were incurred in my name without my knowledge and/or approval. I have phoned my dispute to XXXX XXXX company on 2 instances in XX/XX/XXXX without resolution with all the relevant information they needed to verify my claims but these unverified inquiries are still showing on my credit report. I have also informed Experian without resolve. Please delete these erroneous inquiries from my report ASAP : XXXX XXXX pulled onXX/XX/XXXX. While an indicator of factual information, FCRA says information added via fraud may not remain on one 's report.
I do not have any knowledge of this account from XXXX XXXX XXXX XXXX. I sent a letter specifically requesting to have the account validated and the proper validation was not sent.
in XXXX I was persuade and pressure by XXXX XXXX XXXX of SunTrust bank in XXXX XXXX NC located on XXXX XXXX ...., to open up a checking account ... we spoke for about 45 minutes and I discussed with him the needs I had, and why I would only open up another checking account with any bank even SunTrust, and that was specifically the need to cash paper checks and have funds available immediately ... ... point blank ... we went over this point carefully, that. 1. can I cash a paper check at the atm, and withdraw money immediately, and that I needed over draft protection. Which he offered, and said he was setting up. Which I found out later that was a lie also, as well as the ability to cash checks immediately also and withdraw at the atm..and that I would not be charged a statement fee. If I use my atm card 10 times a month ... which I found out to be untrue also ... ..so I attempted to cash a check at the atm and withdraw money ... XXXX XXXX 2017 at XXXX while the bank was still open ... the atm machine prompted me that it had cashed my check and accepted it ..as I attempted to withdraw some cash it prompted me that would be allowed to withdraw cash as a one time courtesy but then later told me funds were not available ... so I entered the bank and inquire ... I spoke with XXXX XXXX..and explain why there were so many misconceptions with my account. He, ( XXXX  XXXX ) begin to explain them off ... .as if we never discussed these items when we open up the account ... .none were true..and it was just attempt to get me to open up an account to just generate addition fees for the this bank ... and attempt to have my social security and county benefits directly deposit to sun trust, ... all by informing me fraudlently at the initial account set up ... SO I CALLED THE XX/XX/XXXX POLICE, XXX, AND MADE AN OFFICIAL REPORT OF THIS TYPE OF FRAUD ... SO I WAS PROMPTED BY THE NC BANKING COMMISSION THAT YOUR AGENCY IS WHERE I SHOULD LOGDE MY COMPLAINT ... ... IF, SO, I AM DOING SO NOW ... I also feel that he discriminated against me simply because I was not a typical ( XXXX ) and because I was XXXX and my money is received from a public source ..mainly social security. And he lied to get me to open up this account be telling me he was offering these benefits. And setting them arm at the initial account set up. When in fact he was doing no such thing..in all hopes to generate fees towards the bank and ruin my credit ... FRAUD ALL OUT FRAUD ... WHEN XXXX OF XXXX ARE OFFERD THESE ACCOUNT SET UP IMMEDIATELY..BUT NOT THE GENERAL PUBLIC ...
Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXXn, and XXXX. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}. This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a US Soldier, and I am called to deploy at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on duty. I notified XXXX XXXX in writing before deploying that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from deployment that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.