WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I became very ill and had to take a leave of absence from my job and move in with my family so they could help care for me. I called XXXX XXXX to notify them of this sudden change in my life to see if I could work out a payment plan with them. I had automatic payments set up to take care of the remaining balance over a period of 6 months. 

I was surprised to receive a letter in XX/XX/XXXX informing me that my account had been closed due to non-payment. The customer service representative I had spoken to originally had not marked my account for graduated payments or set up the automatic debit as agreed. I ended up taking care of the remaining balance, but XXXX XXXX would not re-open my account or take ownership for their CSR 's mistake. 

To this day, my credit report states that my account is somehow still open, but that it was also closed on XX/XX/XXXX. My credit report also inaccurately shows that my account was 120 days late between XX/XX/XXXX - XX/XX/XXXX. I was on a payment plan at that time, made every payment on time, and met all the requirements of that payment plan by XX/XX/XXXX, so there is no reason for that to be on my credit report.
On XXXX XXXX ' 2017 a mobile phone was purchased by me from a private seller through a reputable marketplace website ( XXXX ). The seller responded after the payment was made ( via PayPal Credit ) that the phone did not power up during his pre-shipment inspection. I acknowledged the issue and and we both decided that a refund would be appropriate. The seller did not refund the money. I opened a dispute case through the marketplace website. When this did not help I opened a dispute with PayPal Credit ( Case XXXX ). On XXXX X'2017 the seller finally responded stating that he can not refund the money since PayPal has already frozen the disputed funds in his account ( effectively withdrawing the money from his account ). On XXXX XXXX'2017 PayPal informed me via email that my case is under review and that I should get a response once the review is completed. Om XXXX XX'2017 I called PayPal Credit customer service to inquire as to the progress of my case review. A representative stated that the money is currently being held by PayPal pending final resolution. I stated that there is nothing to resolve since both the seller and the buyer agreed to the refund and neither party is disputing the refund and demanded that the money be returned to me immediately. The representative stated that they have a 90 day time frame fro " resolving '' such issues and refused to discuss the issue further.
I am not really putting this in for a dispute, I am fine with the disputes I put in, but on my report I saw something I wanted clearified and called the toll free number only to find that it goes to a call center in XXXX. This is appalling. We are always fighting to keep our credit safe but trans union has their call center in a country that is known for people hacking and stealing identities. This needs to be addressed. I am very angry about this.
I received a letter from  Chase s tating that they lowered my available balances on my credit cards from  XXXX  to  XXXX  on my  XXXX   XXXX   MasterCard  and from  XXXX  to  XXXX  on m y Amazon MasterCard. Th ey cited other accounts that have nothing to do with my great standing  with Chase. I worked at length to pay down my balances and I 've never been late on my payments and alw ays maintained a quality relationship. My financial due diligence with them was rewarded with decreased available credit. Had I known this would happen for paying my account on time I would have simply kept the  XXXX  balance and not worked so hard to pay this card down.
I made a payment to Ditech  XXXX / XXXX /  XXXX   @ their website, I got a confirmation #  XXXX . Past 30 days I find out that they never got the payment. It went on my credit report.I called  Ditech today to see what happened.First they said something about the wrong account was entered, then came back on the phone and said the information was entered twice, thus rejecting it, BUT I got a confirmation #, I thought all was well.Ditech representative said they can not correct the negative report to credit bureau.that 's all I ask for.
I have been trying to get notifications on what my monthly bills and fees are for over a year, but this company refuses to send me anything in the mail. When I called back on XXXX XXXX of XXXX to have this rectified, they told me I needed to submit a Periodic Statement Authorization Form. This form was then immediately filled out and sent to them via fax on XXXX XXXX XXXX.Since then I have called in repeatedly to get my balances because they still were not sending me any notifications. I asked about the notifications status and the representatives told me that it was strange that I was n't getting any statements because the form was received on XXXX XXXX. 

On XXXX/XXXX/XXXX I called in to make my monthly payment and the representative informed me that I owed an additional {$6000.00} for charges incurred earlier in the year. At this time it was the first time I heard about these charges. 

I have since asked the company to explain why these charges were incurred and also to explain why they have failed to notify of these charges even though they received my form. They sent a letter saying they never got a form from me, which is just plain false. I believe they are not being truthful about this form being received on XXXX XXXX XXXX, which would make them guilty of fraud.
Equifax after reporting illegally and wrongly is engaged with lenders, creditors, and subscribers for the specific purpose of enriching their own bottom line, regardless of the accuracy of the reports. 
I requested a investigation letter dated to me XXXX XXXX, XXXX, disputing items on my current credit report. 
1. XXXX XXXX, informed Equifax that the creditor had issued a debt forgiveness form, ignored, stated that they verified the account, the real problem with the statement that they verified the account is the lender who address they list is n't there anymore, and upon my own call, does n't maintain a debt for me any longer. 
2. XXXX XXXX XXXX XXXX, Equifax stated in this letter that they verified this account, this account was sold to XXXX XXXX in XXXX XXXX, and paid directly to them, this account is n't even in Santanders inventory any longer, they lied. 
3, XXXX XXXX XXXX, this account is 12 years old, no activity for 12 years, conversation, payment or other communication, it is as statue past the reporting period but illegally being reaged by the lender, and conspiracy by equifax. In their defense they say it could be seven year from last activity or 10 years from date reported, its been 12 years. 

I am a combat veteran of the United States XXXX, and these illegal reporting is preventing from purchasing my first house, I am also a XXXX XXXX XXXX.
I have had a long running dispute with SunTrust on a modification I entered into in XX/XX/XXXX. 

SunTrust has sought to foreclose and I have vigorously objected to the action. 

I have been blocked from the mortgage payment website for over a year. 

I received a letter from Suntrust in early XX/XX/XXXX ( to be attached ). 

I called SunTrust to find a workout as outlined in the letter but was informed that they can't talk to me. I want to save my home and SunTrust isn't helping me workout a settlement.

I believe SunTrust isn't sincere or truthful about the workout scenario by their own letter and that they haven't called back or replied in 2 weeks.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4100.00} with   XXXX   and   XXXX   credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
2014, XXXX XXXX XXXX, {$13000.00}. 
They sent a amount to collections for the amount of {$13000.00}.
i have spoken to all the banks that i have the problems with but they do not want to work with me, i did everything they told me, i even went to the police and is costing me a big problem.
In XX/XX/XXXX, my ex-husband, XXXX XXXX XXXX, XXXX and I signed a 10 year promissory note which was due to be paid in full in XX/XX/XXXX/XX/XX/XXXX due to the short-sale of the marital home. We had been legally divorced for 6 months, living in separate homes/addresses, and separate bank accounts. For the first 3 years of this repayment period, Dyck O'Neal only sent bills to XXXX. Repeated calls to Dyck O'Neal were unsuccessful. I was always told that it is there policy to only send the bill to the first person on the account. For three years I wrote, " Please send me a copy of this bill so I can pay on time. '' Once they began doing that, I received monthly bills and payments were sent consistently. XXXX consistently paid $ XXXX/month over almost 8 years. My amounts were varialbe over the years, sometimes minimal, sometimes extra. In XX/XX/XXXX, XXXX has a small XXXX as the result of XXXX XXXX   XXXX for 2 1/2 years and was at the VA Hospital in XXXX XXXX XXXX, VT. I was not notified of this by my former step-children until my repeated phone calls to him to check on his well-being. I spoke to XXXX, via phone, and told him that I would send the entire monthly amount and he said that he would pay the balance of the loan. 

On XX/XX/XXXX, XXXX passed away due to his XXXX XXXX XXXX XXXX. I never received another bill from Dyck O'Neal and assumed that XXXX had followed through and paid of the loan. I was notified by XXXX XXXX that my score had gone down and a past 30 day payment was reported. 

I have filed a complaint with the credit bureaus on three separate occassions and won each time. Dyck O'Neal negative reporting was removed, but they keep putting it back on my account. If I'm late 30-60 days, please explain to me how we've paid this debt off 2 YEARS early. I've called Dyck O'Neal customer service again and warned the rep that if they reported the account as late again that I would be filing a formal complaint. Please help fix this for good. They still have not fixed their policy of only notifying the first person on the account despite knowing that we were divorced and living separately before even signing this promissory note. At this point, my credit has been repeatedly and negatively impacted over the years. 

Thank you, XXXX XXXX ( formerly XXXX )
I have unauthorized credit inquiries on my Equifax report. These inquiries were not authorized by me and I do not have any accounts attached to these companies. These fradulent inquiries are affecting me tremendously in my journey to improve my credit for me and my kids. They are the following : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX  XXXX/XXXX/XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
In XXXX, I used Circle XXXX XXXX as a bitcoin wallet service and transferred funds to and from them from my checking account. XXXX XXXX, XXXX, I called and requested my remaining funds be transferred to me as I am having a family medical emergency and am desperate for the funds I own in the amount of {$1000.00}. Funds were guaranteed within 6 business days online and over the phone even if the debit card on file was older and no longer in use. No matter what the funds would reach my account or bounce back to ( them ) if the account could not for some reason receive them. The funds were never received. I called and emailed them many many times sometimes several times in one day the ensuing days thereafter XXXX XXXX up until last Thursday. They claim XXXX has the funds but XXXX does not and have absolutely no record of said funds ever received or even attempted to be wired. XXXX asked for proof of the record of transmittal which Circle now refuses to send or even communicate with them or me. They claim they have lost ( my ) funds somewhere in the billing department and dont know what happened to them. They said There is a lot of back and forth between departments ( nebulous departments and people ) and tracking lost funds takes a long time and effort. I find this absurd for a financial holding company to say and stand by. If this is the case, they are incompetent and/or liars. Simply put, this is fraud 100 % and the fact that they refuse to work with XXXX or me is proof of this. Please contact them and enforce that they send my {$1000.00} as my daughter is in the hospital in critical condition and insurance will not cover nearly all the expenses. Thank you very much.
On XX/XX/18 I went to make an ATM deposit. I followed procedure to enter pin and steps to deposit. I deposited {$400.00} into machine. My card was returned, but the money remained in the machine. I IMMEDIATELY called the Customer Service/ Corporate office to ALERT of machine issue, find status of deposit ( SINCE I DID NOT RECEIVE A RECEIPT ), time for which deposit would be posted to account. The c/s representative ASSURED me it would be resolved and deposited once account was noted of issue/visit the bank to review the deposit camera. 

So I decided to wait of it would or at my available time, XX/XX/18, I visited that location. The loan officer advised me the issue would be resolve in 7-10 business days, yet the money is in the hands of TD BANK at this point and NOT credited to my account. This is unaccepted as I am now facing late fees associated w/ the delay of the deposit of funds!!! I need the late fee that I will have due to the delay of standard to have CASH balances deposited. The balance was to be posted the following business day, yet I " should be clear to spend cash in 7-10 business days '', which is XX/XX/18 -- -- I need an apology and a speedy availability of {$400.00} balance.
It appears that Client Services Inc. has purchased from XXXX ( XXXX ) an account. I am in receipt of a letter from XXXX, corporate council, of XXXX. The letter, via CFPB portal, states that my phone number was wrongly used. XXXX states that my phone number would not be called in the future. 

Obviously, XXXX could make that statement knowing the " account '' would be sold to another company, Client Services Inc. ( CSI ). CSI has called, but has not left a message, and has not identified themselves on caller-id, but instead uses the ID of " Toll Free Call ''. 

I demand to know why CSI is calling my telephone number. I want the unlawful contact to stop. I want my number to be removed from the account file, so when CSI sells the account, my phone number is not part of the account, file, or whatever term the " debt servicers '' call it.
This company is trying to collect {$160.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
I moved and closed account with XXXX XXXX in XX/XX/2016. I understood all equipment was returned but apparently was not. I was not contacted by mail and company said they tried to contact me on old phone number and cell number ( voicemail was not left ). No mail notice was provide of outstanding debt, mail was forwarded to new address. XXXX XXXX put into collections with Berlin Wheeler in XX/XX/2016. I was contacted by them in XX/XX/2016 and immediately paid the debt. I am filing a formal complaint because I do not believe adequate notice or time was provided to allow for payment of unknown debt.
XXXX XXXX XXXX # XXXX Has a account that I never received any documentation or proof of claim about this account. This is the second or third time I have had to deal with company. I would like to file another compliant to the FTC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.
Hello, this is in regard to the previous CFPB complaint XXXX. 
American express has responded to my claim that they confirmed with XXXX that the XXXX points have been successfully transferred to etihad airways account in XXXX which was NOT true. I have attached the account activity from account XXXX for the reference. I also have contacted XXXX that they never received any American Express points on this account. 

Here is the full story : I was trying to transfer XXXX points from my XXXX MR account XXXX to XXXX account in XXXX on XX/XX/XXXX and it was rejected as I realized later that I could not transfer to my wife XXXX XXXX 's account. So I made another transfer of XXXX points to my own XXXX  account in XXXX which was successful. I have contacted XXXX that the account XXXX has NEVER received any points from american express. I did not authorize the transfer that happened on my account on XX/XX/XXXX as the transfer made on XX/XX/XXXX to XXXX was NOT successful. Please see the attachment from the account activity. 

Please return the XXXX points to my MR account or have them transferred to XXXX. 

Thank you! 
XXXX XXXX
My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . The  loan was through  XXXX   XXXX . I n  XX/XX/XXXX  our d aughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the major  Credit  reporting agencies resulting in our  credit score fa lling from the  XXXX    XXXX   to the  XXXX    XXXX  . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departm ent (   XXXX   XXXX   XXXX   ) an d were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  Va  XXXX
I have contacted the credit card company on several occasions. OnXX/XX/XXXX I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XX/XX/XXXXI was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 fromXX/XX/XXXXand one fromXX/XX/XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months!
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I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!
I keep receiving phone calls about an installment/payday loan which is from CNG Financial in XXXX. The first person I spoke with would not release the law firms office who advised me, which her name was XXXX XXXX that I need a defense attorney because they are filing criminal charges against me. I received another call today XXXX/XXXX/XXXX and spoke with an XXXX who stated they would be suing me for not paying my payday loan that I took out online. I tried explaining I was going through bankruptcy and my filing is going to be ready for the last week of XXXX XXXX as I have retained a bankruptcy attorney. They refused to take the information and advised they will consider criminal actions for not paying this loan back.
On XX/XX/2018 I had sent SUN LOANS a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX. 

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

On XX/XX/2018 after the 30 days and after my second letter I received a Debt Verification Response. 

On XX/XX/2018 I sent a letter thanking them for the DEBT VERIFICATION and explained to them that not only that I never asked for a DEBT VERIFICATION, that This request was unanswered in the time frame allotted by federal law and was indeed a FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. As you are well aware, federal law requires you to respond within 30 days. 

My second letter outlined the fact that my request did indeed go unanswered as I have documented proof of delivery and signature of the Certified mail I had sent.The DEBT VERIFICATION sent does not indemnify Sun Loans of the responsibility and legal requirement to supply EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT.
Social security Admin. reporting my overpayment as not paid is incorrect. Paid on time.
I went to XXXX in XXXX. I was never told about my student loan and am now paying a private loan through XXXX/ Navient at 13.375 percent interest. I have a copy of my student loan exit interview with the box unchecked signed and dated. I believe the school and XXXX are and were preditors
Robocall from XXXX asking for payment of medical bill for my deceased mother-in-law that has been paid to XXXX XXXX Hospital, XXXX, Fl.