WillisBack/dataset-financial-user-claim huggingface dataset:
I was informed by a service I subscribe to, that that Receivable Performance reported a collection account on XXXX, XXXX, and XXXX, that is not mine. I was receiving these strange phone calls from a service which makes you wait for a long period of time before they clarify their business. then they transfer you to Receivable Performance ... then Receivable performance responds as if you called them. Unreal!!
This is a billing error dispute for my XXXX XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX  XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX  XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent XXXX  XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.
I received a letter fro m ARS National Services Inc da ted  XXXX   XXXX 2017 stating that an account (  XXXX   XXXX   XXXX  ) has been placed with their organization for collections with a balance of {$1000.00}. On  XXXX   XXXX ,    2017  I sen t ARS National Services Inc  a letter that they received on  XXXX   XXXX ,    2017 to provide me with proof that this debt belongs to me. ARS National Services Inc  sent a letter dated  XXXX   XXXX ,    2017  stating the date account was opened, the last charge made on account, the last payment made on account and  two  billing statements from  XXXX   XXXX .  ARS National Services Inc  has failed to provide me with a contract with my signature stating I agreed to this debt.
On XX/XX/2018 I made a purchase on XXXX using a Klarna credit account. This was a 6 month interest fee purchase ( 19.99 % deferred interest ). On my XXXX bill it shows that I needed to pay off {$390.00} by XX/XX/2018 to avoid approximately {$74.00} in deferred interest. I made a payment of {$400.00}, which was more because I how how credit card companies are and will try anything to nickle and dime money from you. Anyways I check my balance the next day and I'm hit with {$74.00} in interest. I contacted XXXX and we went back and forth and they apparently apply the payment differently between promotional and non-promotional purchases. I'm attaching the statement I was sent, but I feel like after reviewing the statement I was sent, it looks pretty deceptive ( visually and in wording ) in their showing of what needed to be paid in order to avoid deferred interest.
This debitor continues to reage this illegitimate debt on my credit report resulting in my scores to plummet. The debt reaging is done without my consent! 

HP SEARSXXXX XXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency HP SEARSOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirements
XXXX obtained a default judgment on a debt that was never verified prior to filing. At no time was I given any proof I owed money to XXXX. The default judgment is now for {$15000.00}, when the original principal balance as per the paperwork in the judgment was only {$3300.00}. I am being told by XXXX my checking account has been frozen due to a levy being placed on it for {$30000.00}. Now our mortgage payment and any of my other monthly bills can not be paid from this account. XXXX sold this debt in XX/XX/2008 and it was transferred 3 times, the last of which was XX/XX/2008. The case was in and out of the courts for 4 years, they kept postponing or not showing up. Now I have no access to my only bank account and need to pay my bills.
I had Bank of America CC. 
I defaulted on the card because of BoA change in policy that I could not afford to keep up with and mounting medical debt. 
It was sent to collections and XXXX, XXXX, XXXX and XXXX XXXX have harassed me and made false statements. 
Legal aid helped me find court documents with falsehoods and service papers. 
I am on XXXX XXXX and can not make payment. 
The dates on the papers sent to me by them with Supreme Court of XXXX headings seem not to be legitimate listing multiple addresses. 
I was never served by anyone with the papers. 
I received a letter dated XXXX XXXX, 2015 referring to a complaint dated XXXX XXXX in which I was given XXXX days to respond to. Obviously this voided my opportunity to respond. 
The rest of the documents legal aid found online. I had no knowledge of these. 
The affidavit of Service from XXXX XXXX is also false, I was never served, this document was also found on line by legal aid. 
The dates are all untimely and impossible to meet. This is all done in an attempt to scare me into paying them. 
This is to include phone calls and claiming to have served me.
Let me first demonstrate the landscape, the canvas that has been existant for several years now and repeatedly shown in CFPB complaints towards both Capitalone & XXXX ... 

CapitalOne ; a financial institution ; has a combative relationship with XXXX ; a financial institution ; and because of an obvious behind the scene grudge, animosity.. the consumer is damaged, harmed and suffers repeated problematic situations needy of babysitting matters where the banking institution is to remedy, seamlessly and without consumer intervention as a practice. Cap1 can research and find I've had 2 accts with them and the first was short lived when I discovered this behind the scene combative relationship only to discover it was not the specific card, program or theme of the credit line ; but rather followed over to the current Cap1 '' Buy Power '' card/program ... It was this animosity that had me leave the first Cap1 offering, evidencing the longevity of the existing problem. 

XXXX Now for the current chapter of this problem .... 
Because of this existing relationship, XXXX can not /willnot establish a digital bill pay relationship ; as it does with all other financial institutions and other large companies and Cap1 must be paid with alternative method, a check cut and mailed by XXXX   personnel. This issue, distinction of online billpay has always created lengthy delays in payment to Cap1 and has been the source of several complaints regarding an assortment of burden to me as a consumer. Upon immediate need for payment to secure a specific balance adjustment, I've been forced to deviate from XXXX 's bill pay and must go directly to Cap1 and make payment there by some sort of digital transfer directly from my checking acct. 

In my defense, XXXX does have a deficiency showing the option for me to put a hold on those funds after this snail mail check payment vs the immediate pull from the acct that normally occurs and the available balance is reduced from the digital payment.. 

Currently, Cap1 has a check in hand and is refusing to apply the funds to my account and creating further frustration, seemingly as a retaliatory politics to alienate XXXX customers, XXXX flinging as XXXX  does in return with me in the middle. 

I'm sick and XXXX tired of this XXXX, ya 'll grow the XXXX up and treat each others customers ( whom are also your customers ) with respect and timely handling of their financial matters.
I changed jobs after going to XXXX school and became a XXXX at XXXX XXXX. This was a major cut in pay. My fiance left me, and a roommate moved out after my service in XXXX. This was my first home purchase and I am doing everything possible to keep from loosing it. As you can see with my attached bank records, I was paying Loan Care, the company that took over my loan from someone else, that, I was paying them everything I could to prove to them in good faith, that I was serious about keeping my house. As you can see, I was sending them money at least every two weeks and sometimes more. Things have been very hard, but I did not realize how hard until XXXX payment, which I sent LOAN CARE {$930.00}. My bank notified me 2 weeks later that LOAN CARE had rejected my payment. I did not know what for. I had not received any notification via mail from Loan Care telling me they were not accepting anything from me except the full back pay of 3 months. I called every family and friend I could to help me get on my feet again. I did not want to loose all I had. I was unable to pull up my account online with loan care as they had me LOCKED OUT. Attached is proof of the lock outs to my account. I called every number online listed and spoke to XXXX XXXX, from collections who told me I had to pay the entire amount of {$4700.00} which included late fees and mortgage payment IN ADVANCE for XXXX. My bank " electronically transmitted " this to LOANCARE on XXXX. I called Loan Care again. They knew nothing about a payment. I was transferred to collections- XXXX XXXX. I spoke to XXXX on XX/XX/XXXX ( # XXXX ) and XXXX, employee number XXXX XXXX. I don't know what to do at this point as I can not access my account and No ONE knows or has given me a straight answer as to where this {$4700.00} has disappeared. By everything I gather, because my house has a lot of equity, that all LOAN CARE wants is to take it away from me, pretending I am not PAYING. YES, I am scared. I dont know where or who to turn to that came help me. Attached is all my communications with this company, and I am sure XXXX. would provide all of my calls, concerning my communication with LoanCARE. Thank you in advance, XXXX. XXXX
Greentree/Ditek have been loosing paper work not uploading it and saying they can not do HARP mods but can do in house. I am XXXX a XXXX vet XXXX my wife passed two years ago cutting my income in half. They say they are trying to help but there actions show othrreise. They continur to charge late fees and when I pay they apply to late fees generating more fees. I am at 8.75 % and they want to keep me there. I have had an on time payment history for 10 yrs till my wife died I spent down my savings know the would rather foreclose brcause its better fit thrm so put a ,XXXX year old vet in thr strret
A student loan was taking out in my name never had a student loan with XXXX afiled all necessary paperwork several times and all they keep telling me is refile they havent recieved anything and its to the point something needs to be done i have taken legal actions as of of a police report about the incident and its still on my credit
Equifax mismanaged my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website ( www.equifaxsecurity2017.com ). They have put myself and millions of others at risk for a lifetime of identity theft/fraud due to negligent security protocols in handling consumer information.
Furthermore, they have been attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
I requested a new Credit Card " Barclaycard Arrival Plus World Elite Master Card '' in XX/XX/2017. One of the benefits I valued was Trip Cancellation/Interruption insurance. Upon arrival of the first card per XXXX I was able to find Document " Guide to Benefits XXXX '' ( appended ). It offered coverage of {$5000.00} per trip/ {$10000.00} per year ( page 26 ). The year 2017 was clearly marked on the document ( Last page ). When a second card arrived in the mail, it had an insert " Guide to Benefits XXXX '' which offered only {$1500.00} ( attached ). I have faxed twice to Barclay Member Services, and received absolutely no satisfactory answer. They did not even acknowledge the question or address it in any way but referred me to the telephone number on the back of the card. The telephone info I received was again that the benefit was {$1500.00}. This constitutes flagrant false and misleading advertisement and a company unwilling to respond. If I were to need the coverage for my upcoming trip I could loose {$10000.00}.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
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 XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
I would like to file a complaint regarding the fact that Equifax, a company that uses my personal information without my direct permission and then allowed it to be compromised through their lax security measures, has now charged me a fee to take the step of protecting myself and freezing my own credit with their bureau. The fact that they are profiting off their own data breach is outrageous. 

I froze my credit on XXXX XXXX, XXXX and paid {$10.00} via credit card. I would like to receive a full reimbursement for the cost of this credit freeze.
I am currently trying to refinance my home. After talking to a lender I found out that I have a judgement against me that I did not know about. After trying to find out more information about the debt, i.e. going to the courthouse to find the claim, calling the creditor themselves ... We could not obtain any information on this debt. We contacted XXXX and they stated that they did not have any information on this judgement and they directed us to a lawyer office which turned out to be a dead end because it is just a recording with no number to reach anyone. We have tried to contact them several times. I have not received any letters about this judgement or any other forms of contact.
Was denied a loan modification from bank of america for reasons that were false. The loan is an investor loan and bofa is just the servicer. The bank indicated that investor declined the loan, but the investor was never contacted because I spoke with the portfolio manager at XXXX the investor. I was again denied on appeal. Appointments were missed by bofa because they will contact me at a number that was not the best contact number. I gave the bank the best contact number but somehow the will chose to call a different number. Reasons for the modification was hardship due to a decrease in income and increase in the mortgage payment. Decrease in income caused by medical retirement. We just completed a 4 yr successful modification and we applied for a continuation because the hardship was still in effect and had gotten worse.
I received a NetSpend prepaid master card in the mail today, which I did not request.In their disclosure they admit that they received my name & address because I indicated interest in offers similar to this and not in response to an application. They are lying because I have not expresses an interest in a prepaid card. I have a real credit card and a Bank that I have dealt with over 30 years. 

This madness started when I was doing a job search on a site for XXXX about a month ago. I immediately started receiving tons of spam by email & telephone.. NetSpend said to opt out of this offer & future mailings to call XXXX or if you want to activate it call XXXX. I called the number to opt out, expecting to speak to a live Rep but it was not to be. The automated line stated to press option XXXX to opt out & asked for the card number. After entering that info, it requested that you hold on until they activate the card?? I hung up before the next message came on.This is on the opt out line. This is nothing but a scam because I did not request or need this.
There are XXXX liens on my Equifax credit report that do not belong to me. I have asked for verification from Equifax and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately. XXXX is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.
I have a checking account and credit card with PNC bank. I have issues with both. 
The checking account has an overdraft protection account attached to it. PNC makes a habit of holding any payments made to the overdraft protection account to ensure that they can charge fees by processing any other transaction. 
PNC also did sell me an invalid cashier 's check and would not refund the fees incurred. That transaction wa cancelled due to the unprocessed check. These practices ought to be highly illegal and predatory. 
When it comes to the credit card account, I do not even know where to start. The proper question to ask is how come an account that is on automatic payments be ever late? 
The answer according to Pnc 's dictionary residecin their definition, and differentiation between automatic and recurring. 
My understanding is that both PAY a defined amount at a specified date every month. Do n't take my word for it, English is only my XXXX language. 
These SCAMS are the reason I m seeking your protection against this vile and low company. 
Did I mention I have been a customer since 2000? 
That relationship will end as soon as I these issues are addressed.
Many of the creditors are paid in full and are currently showing on my credit report. I need these cleared off my report to increase my credit score. Also have a judgment that was paid in full and is still currently showing on my report. If you could be so kind to help me in this situation, I would greatly appreciate it. 
Thanks
On XX/XX/XXXX, I sent a procedural Request For Dispute letter to Equifax Credit Bureau listing several negative items I wanted investigated. I sent this certified mail and it was received by Equifax on XX/XX/XXXX based on the tracking information. These negative items were hurting my credit score, and as such, my quality of life. I, and they, know that they have 30 days to respond to my letter, 45 in some instances. I waited on them to respond for a full 60 days but I never received anything from them at all. No correspondence in any form, at any time. This is in clear violation of Federal Law. I then proceeded to send Equifax a Failure To Respond In 30 Days letter, Certified Mail Return Receipt on XX/XX/XXXX, which was received by Equifax on XX/XX/XXXX. I did not ask them to investigate at this point, as they had their opportunity 2 months prior. I asked them to abide by the law and by Federal guidelines and remove the listings I disputed, as per Federal code. I have not received any correspondence from them concerning this matter. Credit Reporting Agencies MUST abide by the laws and statutes set forth by the FTC and CFPB.
To Whom It May Concern : I had two loans described below : 1 ) Stafford for {$4200.00} 2 ) DL Stafford for {$4900.00}. 

The school was either XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. 

I paid of the full balances of these two loans about three years ago. Since then, XXXX XXXX XXXX kept sending me generic notices confirming that my loans were paid off and that I had no payment due. I kept meaning to call them and ask them to stop sending me these notices in order to save the paper, but it took me awhile. I finally did that today on XX/XX/XXXX. When I asked them to stop mailing these notices, they said I had a balance. I was shocked! I do not think there is any possible way that could be accurate. I told them that I have been receiving these notices ever since I paid off the loans, and they all say the same thing : that I have a XXXX balance with no payment due. One of the latest notices I got, which is right beside me now, shows the two loans and states at the top : PAID IN FULL NOTIFICATION. 

However, the customer service agent at XXXX XXXX told me that I owed interest of {$71.00} and an additional {$13.00}. Where on Earth did these amounts come from after three years? And why didn't they ever send me a notice clearly stating this? They never did, and now they expect me to pay this so-called interest that's been accumulating all of this time. Interest that's been accumulating on what, I am not certain. As I said, I paid these off in full in XXXX. 

I believe this practice of XXXX XXXX to be completely deceptive and disreputable. I told them that it must be their error, and they did not offer to adjust it or to listen to my explanation, for that matter. 

Of the two most recent notices I received, one was the paid-in-full notice mentioned above. The other one says monthly bill at the top. These are the same notices I've been receiving for the past three years. These bills always had a bunch of zeros on them, which is why I stopped paying attention to them and why I asked XXXX XXXX to stop sending them to me, in order to save the resources. When I looked more closely at this current " bill, '' it shows {$71.00} in the Current Balance box. I still do not know where this amount came from. I am certain it is an error. If it is not, XXXX XXXX must do a much better job of alerting their customers, in my case former customer, of any remaining or outstanding balances. It is not an ethical practice to state zero balances for years and then to suddenly show a balance that didn't exist before. It is also a very unsound and incompetent reporting process to state loans are paid in full and no payment is due but then contradict and state that I now owe interest. 

Please help me resolve this issue with XXXX XXXX, not just for my benefit but for every customer they now have or will have in the future. 

Sincerely, XXXX XXXX
I was attending a XXXX  school called XXXX XXXX College that promised us that we would be able to take college classes for free at XXXX XXXX University and they would take care of the expenses. I took classes from XXXX to XXXX but I'm being charged for the last class I took in the spring of XXXX while i was a minor but not charged for any other class. Now the school is shut down and everyone associated with the school has been transferred or fired and i cant contact anyone to help resolve this. The debt doesn't even show up on my credit report and I couldn't dispute the debt sooner because every attempt to contact me was sent to an address i hadn't lived at in years.