WillisBack/dataset-financial-user-claim huggingface dataset:
In 2009, XXXX XXXX we unfortunately lost our home of XXXX years to a fire. Within a day XXXX we contacted our mortgage company to inform them of what happened. The representative informed us we would be placed in forbearance. They gave us the run around and we turned to an attorney within a couple months due to going in circles with these people. Over the next XXXX years we fought for payment of the house and personal items. Our attorney asked us for the forbearance letter. We had no idea what she was talking about. The mortgage company, Bank of America, was attempting to take the balance of our insurance money to the tune of approximately {$43000.00}. Our attorney said we should stop the bleeding due to the mortgage company adding up daily charges. The mortgage company said that we have n't made the payments. How in the world in just XXXX months can we owe an additional XXXX $? Would n't they be held accountable for not sending the required paperwork in this situation? I would like to see my $ XXXX plus interest given back to us.
CAPITAL ONE BANK USA is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to CAPITAL ONE BANK USA along with a notarized affidavit claiming fraud. CAPITAL ONE BANK USA is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like CAPITAL ONE BANK USA to close their files which have any information with my name & social on it ...
This had been on my credit report forever the XXXX  account was opened in XX/XX/XXXX and as you can see no matter how much i paid the higher the bill went. And i was only suppose to pay XXXX per month for the 3 lines i had. When i asked for it to be removed from my credit report or fix the right amount i owed which is the early termination charge which was XXXX per line. Which i ended in XX/XX/XXXX.Which makes me owing XXXX only. Funny how they gave it over to enhanced who keeps it open. saying new account it is not.it 's a 7 yr old account and should have been removed a long time ago. I've called them and explained to them tried reasoning and nothing works. And when my credit is run it comes up as a utility bill causing me to have to pay large deposits for utilities when i try to tell them it's a phone bill from XXXX they say they have to go by what is says on my report a utility bill.so please explain to me how that works and how is it's fair to me. And the sad thing is my bill was always paid in full early every month.yet there was always a higher charge every month that is why i discontinued there service.as they charge whatever they want. As you can see once disputed it several times they just keep making it a new account as open.
I have multiple debts that I ca n't pay. On XXXX below poverty level. 
get 10-15 calls a day from many # 's Some have claimed to be from IRS ( checked # 's ) reported as scams from reverse look up. Now I do n't answer phone, in past I 've tried to explain my financial situation to no avail ... they keep calling, I ca n't pay. I 'm ill w/ multiple health issues. Takes every cent that I have to survive. If I could I 'd pay. Some debts are very old? Is there anything I can do to stop these calls? Please help. Have tried to block # 's, they just use different phones
I have legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. In doing so, I have mailed them two times with my credit card, ssi, driver license and legal name change order from the state of Maryland. 

You guys have denied me twice. Youre being a real pain and I do not like you causing me a pain and need you to meet my request.
In XX/XX/XXXX I was introduced to a friends family member about a business deal involving a property purchase and flipping the property into a XXXX. The scam XXXX involved persuaded me to use my good credit to get the loan and that she would take care of the monthly payments and fixing the property. After I got the approval i realized that she had me sign over the deed to her father and that her friend was the owner of the property before me and he banked away XXXX. I have not heard from anyone sense that time, the property went into foreclosure my credit was destroyed and I waited years to get this off my credit history. Fast forward to XX/XX/XXXX, I 've now become a married XXXX year old XXXX, with a child on the way and trying to now build a home with my wife family. It has come to my attention that the property tried to be sold twice by short-sale activating the account as well as XXXX sheriff sales that strangely where stopped making all the time i waiting for the property to foreclose having to start over and now I can not be on the mortgage and very possible we can not get our dream home. I was scammed and I understand now that i should never have signed the papers back as a XXXX year old, but I do not deserve to this, my credit is well now, but this is still haunting me to this day. I do not know where else to turn.
I have had a dispute in since XX/XX/XXXX for XXXX XXXX for {$440.00} ( XXXX ) I was charged for a flight that was cancelled and I sent so many letters explaining this and I 'm getting the run around. when i called XXXX i was told i was n't charged but I show different.I have been going back and forward witht he dispute dept. with no help to getting this fix and we are now in XX/XX/XXXX and this charge happened in XX/XX/XXXX.
I would like to file a complaint about the very misleading selling and marketing techniques of Wells Fargo and specifically the employee named XXXX XXXX XXXX ID XXXX My wife myself my daughter XXXX and my son XXXX have XXXX accounts at Wells Fargo When I opened the accounts years ago I was told that all the accounts would be considered together and if the combined accounts were above a certain amount ( I think to remember dollar XXXX ) there would be no fees charged to any of the accounts I stressed the fact that I did NOT want to pay any fees as a condition to open an account in the first place On XXXX XXXX 2016 I discovered that my son checking account had been charged dollar XXXX in Overdraft Transfer Fee, just for the system to automatically transfer money from his savings account to his checking account. I went to the Wells Fargo branch and spoke to XXXX XXXX, who after some negotiations agreed to remove the fee. She also recommended to close the savings account due to the small balance of the savings account. I made clear that I did not want to be charged any fee in the future and to avoid any risk I made an additional deposit of dollar XXXX on behalf of my son. Few days later I noticed that the savings account was also charged a dollar XXXX Monthly Service Fee on XX/XX/XXXX, which XXXX XXXX never disclosed, even if I made clear few times that I did not want to incur any fees. I went back to the bank and XXXX XXXX told me that since the account had been closed, the fee could not be reversed. I find very dishonest the fact that XXXX XXXX did not disclose to me first that the savings account was charged with an additional fee and then even worse, recommended the closure of the account and then used that as an excuse for not refunding the fee.
Our first call was on XX/XX/XXXX. They claimed not to receive the check. After following up with our insurance company we called back on XXXX. They claimed the account # wasn't on the check ( which it was ). They then said it'd take 10 days to process. We followed up on XX/XX/XXXX and got the same response. We followed up with them on XX/XX/XXXX and they said XXXX days it'd be processed. As of XX/XX/XXXX the payment still hasn't been processed.
Pioneer Credit Recovery has continuously attempted to contact me after I informed them the debt they were trying to collect was not valid. They contacted my employer several times, they contacted my family, they contacted friends. They even contacted distant family members that live out of state, and one of my friends at their place of business. the overall harassment is not only  embarrassing, but incredibly stress inducing.
I am receiving calls from the Focus Receivables Management Group. 
The Calls are automated and only offer a call back number. I 've called them to advise them that I am not the party they are attempting to reach. I 've been informed each time that my number would be removed from their database. They continue to call. The calls are now harassing.
I am in the XXXX XXXX XXXX XXXX XXXX program. XXXX/XXXX/XXXX I paid XXXX dollars to my XXXX/Navient private student loans. Prior to making the payment I asked the customer service agent 2 questions : 1 ) Will this be applied to my principal? 
2 ) will this pay my account forward XXXX2 years? 
The agent advised me " yes '' XXXX would be true. Subsequently, over the past 2 months I have been charged a monthly bill. Last month I called Navient and spoke to a customer service agent who advised me that there was an error in their system and that this would be corrected by XXXX/XXXX/XXXX and My account should be payed forward ~22 months. However, today I again noted that I have been charged a monthly bill for this loan. Today, the customer service agent and supervisor told me XXXX new responses : XXXX ) firstly, that because I was enrolled in automatic bill pay at the time I made the large payment that this was not able to be paid forward. 
XXXX XXXX Than later after being on the phone with them for about 40 minutes I was told that this type of loan can not be paid forward. 
I have advised the supervisor that I had SPECIFICALLY asked the original customer service agent this question prior to making the payment and had confirmation and was again advised last month that they had corrected the problem and that had been again advised that the loan was than to be paid forward XXXX months. To which her response was essentially that they where not responsible for what the previous customer service agents had advised me but they would be disciplined if upon review they they where in error. 
This dose not really help me as the money I have budgeted to pay this loan monthly is now in their hands and they continue to request payment. This causes me financial hardship ( as I have many student loans and other debt ). The remedy I would like is that they apply the funds ( which I have already paid them ) forward 22 months as they originally have advised me was being done. 
- for the time being I have requested forbearance Supervisor I spoke with last was " XXXX '' ID : XXXX
Hi, One more than one occasion, Navient has offered to lower my interest rate ( my rates for my private loans are : 5.9 %, 6.1 %, 9.8 % ). They do this over the phone, asking questions about my salary and bills I pay each month. Each time, I go through the entire process ( at least 5 minutes of questions ) and am denied. I can not afford my monthly payments, I have been on interest only payments for 7 years.

I do not understand the process they choose to lower interest rates. I have never missed a payment and have a perfect credit score. 

Just by knowing they offer lower rates, I do not understand why they wo n't lower mine. I find my interest rates REDICOULSY high and would like to renegotiate. 

Thank you!
I have attempted to contact Experian, I always appreciate their assistance however there are a few things left unresolved. First thing is, there is an inquiry from XXXX Card Service that I did not authorize the date for this was XX/XX/2018. This inquiry is fraudulent and I did not authorize this. Please block this inquiry. Secondly, I see two accounts from XXXX Card Services, and one from XXXX auto. I sent in a police report and these were never blocked. Additionally I have another issue that I am going to see if I can get assistance for, so my address listed should read XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX however it does not appear that way in addresses. Lastly there are two inquiries from XXXX, I only authorized ONE inquiry. This was on XX/XX/2018 the second one on XX/XX/2018 was a duplicate. I am unsure why they pulled two since I only authorized this once. I opened an account on the XXXX with XXXX but Im not sure why they took another inquiry the XXXX I did call them, and they werent sure either. Can you please dispute the second one? Thank you for your assistance!
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have contacted the company and credit bureau about this this account. A representative told me that I will just have to continue to dispute this account monthly. This is a fraudulent account.
ocwen loan servicing company has been continually and consistently been making harassing phone calls to me. this has been going on for 11 months, starting on the XXXX of each month and going to the XXXX. some days they call as many as 5 times, starting at XXXX and going to XXXX despite repeated and written notice to stop ( not to mention a perfect payment record ), these calls keep coming and i believe are a personal vendetta.
My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However XXXX is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and Equifax show account paid and account closed and NOT delinquent ( see attached ). However Equifax is showing reporting on until XX/XX/XXXX when account was closed XX/XX/XXXX.
I filed chapter XXXX bankruptcy in XXXX. At that time I reaffirmed my mortgage with XXXX Company. XXXX sold my loan to XXXX XXXX around XXXX. On XXXX XXXX XXXX XXXX XXXX sold it to Green Tree. I recently noticed that Green Tree is not reporting to the XXXX credit bureaus. The first rep that I spoke with told me they did n't have the reaffirmation papers, the XXXX rep said they have them and transferred me to XXXX rep who told me that I need to reopen a 10 year old bankruptcy and reaffirm the debt with them. I asked to speak with a supervisor and was transferred to a generic voicemail. I have contacted an attorney regarding this issue.
I requested to validate the alleged debt on  XXXX / XXXX /   2017  via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Professional Credit Management r eceived the registered letter on  XXXX / XXXX / 2017 . It has been well over the 30 days allotted to respond to my request and I have not received any validation of this debt that is being reported on my credit report. Therefo re, Professional Credit Management is il legally reporting an invalid debt.
I have requested that Equifax remove numerous address from my credit profile. They are not accurate or correct. They still continue to report these addresses. All the addresses they have listed as previous should be deleted and removed they are not accurate
My due dates are on  XXXX  of each month with a bank draft. The lending club in different occasions sent the payment on  XXXX  of the month which made my checking account negative. When I ask to stop taking the money earlier their answer was this was their practice.
With regard to the recent data security breach at Equifax, they are offering free credit monitoring to those impacted. It appears that the terms imply that by accepting their monitoring service you must agree to resolve any related disputes through arbitration and forego your rights to file suit or join a class action. Seeing as that they are at fault for the issue, I do not think they are in a position to further impose upon my rights as a prerequisite of providing me with a service that does not actually remedy the problem. Credit Monitoring Services and Fraud Insurance does not solve the problem of a data breach, it only provides assistance in identifying and resolving potential negative impacts for a limited time period. The negative impacts could arise much later, and this service is not preventative. I expect to be provided this service without sacrificing my rights later. From https : XXXX/www.equifaxsecurity2017.com they link to the TOU from their main site : http : //www.equifax.com/terms/
This company repeated calls the County of XXXX XXXX toll free number asking for individuals of a personal nature but they speak in XXXX. This has been going on for months.
This account was original being reported on my credit report as " Unknown - No information available '' and did not have a phone number or address for me to contact. I disputed with the credit agencies and they responded with a status of " Verified '' and more information regarding the address and number of the creditor. I have called the creditor since then XXXX times to verify that they debt was mine and any info they could provide regarding the debt, as I have never heard of this debt either in the form of a letter or orally. All XXXX agents at the XXXX verified that no debt in that amount or under my name existed. However they were unable to assist me in getting a letter to the credit agencies saying that no debt was listed under my name for that amount and that I should dispute the account on my report. So I again disputed the account and it came back verified.
XXXX XXXX, 2015 : I placed a call to XXXX and advised the customer service agent to cancel my account and arranged for the local delivery driver to retrieve all used 5-gallon water jugs from my residence the following Tuesday. Driver never came Tuesday. Driver came Wednesday and delivered MORE WATER jugs. Placed another call to XXXX advising them to come pick up the water jugs and stop delivering them and advised I would not be paying for the jugs they delivered without authorization. Once again, I was told the local delivery driver would come the following Tuesday and retrieve. Once again, I left the unused bottles and used bottles and storage mechanism out for XXXX to retrieve and once again, they never came. In XXXX 2015, the local Manager called me to advise he would send someone out to retrieve the jugs and storage mechanism. No one ever came and, as I had advised I was going to, I moved from that residence. I removed my debit card from my online account so XXXX XXXX XXXX could not continue to charge me a monthly fee ( this was a month-to-month agreement - no contracts involved ). I discovered today, after checking up on my credit report, that I have a collection against me from CBA Collection Bureau and the source of the debt is listed as XXXX. I do not owe XXXX ANY money, first. Second, XXXX NEVER attempted to contact me via phone, email, or written correspondence to disclose to me that they were attempted to collect this invalid debt. This collection needs to be removed from my credit report and this company should be fined heavily for their negligent practices.
Our payment is due on the XX/XX/XXXX of every month. For the payment due XX/XX/XXXX we are unable to pay until the XX/XX/XXXX, due to owing the IRS. We called our account manager XXXX who told us that this is an active collection 's account and that management is reviewing this account for repossession. We gave him viable payment arrangements, to make a full payments of {$280.00} three times in the Month of XX/XX/XXXX to bring the account not only current but should put us one month ahead. I work in car finance and to tell us they will repo the car before the car is even 30 days past due. We receive rude text messages from XXXX and get no customer service whatsoever. We have struggled before and there have been months where we had to pay less than what we owed but we have never gone a month without making a payment. The " account manager '' is basically telling us they would rather not take our money and repossess the car. They received XX/XX/XXXX payment, in full, one day before the due date. We have no family or friends we can borrow the funds from. In XX/XX/XXXX they received a {$5000.00} check from our insurance company due to hail damage. But still we are treated as loafers who continuously do n't pay. This company does not care about customer service and helping out their customers.
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.
For my Timeshare bill, the company does not send me a statement. I can not send my payment to the physical timeshare place ( in PA ) because they will not accept the payment. They use a service called Concord. Concord does NOT send me a statement for the amount but then sends me a collection notice and charges me an extra {$35.00} to take my payment. This has happened for the past 2 years. I ask for them to send me the statement or the copy of the statement and they never do. They also will not email me the statement. I feel this is a bait and switch. I want to make my payment, but they do not make it easy and I believe they intentionally send everyone to collections for the extra {$35.00} and late fees.
Navy fed did not tell me my x was not paying the mortgage untill it was about 3 months late i i asked what took so long i was told his info was on the loan. Well i have 3 checking accts 2 saving accts and they mailed a letter to tell me it was three months behind so Why couldnt they tell me when the first payment was not made. I have a legal right to know everything about the account and if they didnt have my inf thats on them not my fault in that illegal excuse. Last year when he didnt pay they took it from me they said we signed something in the mortgage letting them do that do i wasnt worried about him not paying cause they would take it out of my acount but they did not i asked why and got no answer. I think they just set you up to fail. No i am forced to live in a house with no roof because they are holding my insurance chech and they took the money fema gave me to pay my credit card bill and i have payment arrangements with a company i am working with to pay off my debt. I called and told them thst was fema money and i can go to jail was using it for something other then ehat it was giving to me for she put me on hold and came back and said it would not be reversed.
There is a so-called builder in Texas name XXXX XXXX who has been fraudulently opening accounts in my name for an entire year. He is not acting alone, he has employed the services of various car lots and bank reps. For example, he was able to purchase ( 2 ) $ XXXX worth of XXXX XXXX in Texas, under my personal and business credentials, without my knowledge or consent. For an entire year, I have at least disputed this fraud with Equifax at least 8 times, all of the fraudulent accounts that have posted to my credit file, along with several police reports and an FTC report.. Since XXXX XXXX, XXXX, I have again filed XXXX fraud disputes with Equifax. They ( Equifax XXXX never investigated my fraud claims. Equifax has yet to send me any evidence that a fraud claim was ever investigated. They keep updating my credit report with the same negative status. I am uploading documents to support my claim. This is my last effort of pleading with Equifax to remove and block the fraudulent accounts, and to properly restore my credit., prior to filing a lawsuit for damages against Equifax XXXX