WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card with my ex-wife that is seven years old. I did n't realize it was never taken care of and was never contacted of this debt. Come to find out that the credit card is at a law firm and they increased the balance over {$2000.00} on top of capital one increase for late fees and interest. The credit card started out with a {$3000.00} limit. Now the balance is at XXXX. I 'm willing to take care of the debt but nobody 's willing to contact me back to discuss pay off or payments. Please let me know what to do I ca n't afford a lawyer. and they wo n't talk to me?
PURCHASED  XXXX  USED  XXXX   XXXX   XXXX  FROM  XXXX    XXXX    XXXX  IN  XXXX  GA,  XXXX   XXXX . HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO   XXXX   FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE  XXXX . THEY HAVE BEEN REPORTING  XXXX  AND  XXXX  WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL   XXXX   XXXX  . THE AMOUNT I OWE IS ALSO INCORRECT ON ALL   XXXX   XXXX  . I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF LIFE THREATENING HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH  XXXX  AND  XXXX   XXXX  FOR OVER A YEAR, AND  XXXX  IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER  ONE  HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS.  XXXX  WHO WORKS WITH  XXXX   XXXX   {  LAWYER } FOR  XXXX   XXXX   XXXX  IN  XXXX  GA. I AM   XXXX   XXXX    XXXX  AND  XXXX   XXXX . HAVING  XXXX    XXXX   XXXX    XXXX  ON   XXXX   XXXX   AND   XXXX   XXXX   14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION..  <P/>  XXXX ,.
Equifax will not provide my credit report to my mortgage lender or myself. My lender tried pulling it on XX/XX/XXXX, and the information they were provided was that there was a freeze on my account for " fraudulent activity ''. I have called multiple times ; twice on Friday, XX/XX/XXXX, and once today ( XX/XX/XXXX ). I spoke with a customer service rep on XX/XX/XXXX, and they then transferred me to the dispute center in order to lift a dispute on my account. Both reps stated that my account isn't on a security freeze, and that I should be able to have my account pulled by XX/XX/XXXX. My lender attempted to pull my account twice since the XXXX, and they are receiving " file error '' messages from Equifax. I called Equifax today and spoke with a representative, but requested a supervisor because of the continued issues despite speaking with two reps, and they stated there were no supervisors available to handle my issue. After confirming my identity, the rep informed me that there is no freeze on my account, and that there is no reason that my report couldn't be pulled. I informed the rep that this isn't the case, that there is an issue on the Equifax end, not user error, but the rep kept insisting Equifax isn't to blame. I have researched this issue and found multiple other individuals having this problem with Equifax despite not having a freeze on their account. I am trying to get a mortgage financed, and because of Equifax 's incompetence, I am unable to move forward with the process. I need assistance with this matter.
I contacted the debt company over a year ago to find out what they were trying to collect on and they said it was Care credit which I paid back in  XXXX  or  XXXX . I contacted care credit and they said I had a  XXXX  balance and I said I needed paperwork from them for proof for the debt collector. I never received it and eventually moved. I never heard from the debt collector again so I figured it was squared away, but it 's still showing on my credit report.
Hello, I applied for and received a secured Bank of America Visa in XXXX, 2014. 
That month, I was charged an annual maintenance fee of {$39.00}. I had no idea that the annual maintenance fee would be charged the same month as the opening of my account. 
I did n't charge anything on this card for several months so there was no need for me to check my balance. 
I had no idea that the annual fee had been charged to my account and as a result, since I was n't using the card, I did n't make any payments. 
In XXXX, I realized that my account was in default due to the annual payment charge and I immediately paid the entire amount. Now, all XXXX credit bureaus are showing a past due entry of XXXX days. 

I have attached a copy of my credit card agreement from Bank of America which outlines the stipulations that I had to agree to in order to obtain the card. The {$39.00} annual maintenance fee is mentioned, However there is NO mention at all of the date when the annual fee is supposed to be charged. Nothing at all. 

If there are consumers such as myself who receive a card and do not make charges, it is only logical that they would assume that there are no payments due on their card. The agreement says absolutely nothing about when to expect the annual fee to be charged. It should at least say that the charge will appear " X '' days after the card is approved in order to give the consumer a head 's up. 
I would like the " Late Payment '' remark removed from all XXXX credit reporting bureaus. The date that the charge was going to be made should have clearly been included in the Bank of America credit agreement. 

Thank you very much for your time, XXXX XXXX
This company calls my family members and threatens a lawsuit. They have threatened to call the IRS. They have threatened to have my bank accounts closed. They continue to call my parents and my siblings and provide personal information. 

Continually calling my mobile phone without permission.
In XXXX, I applied for XXXX XXXX College taking out 2 loans {$4000.00} each. Graduated in XXXX. 
Attended XXXX XXXX Colleges for several years, no loans. 
XXXX consolidated with XXXX XXXX. Unemployed for several years, {$0.00}. balance, loan forgiveness through XXXX XXXX. XXXX, my tax refund is taken by dept of education. I request proof of debt, only partial information recieved to me. Dispute. Doesn't matter. Request documents, only partial was sent to me. My new balance reporting as around {$60000.00}. and has wrecked my credit report. Agree to reestablishing loan so I can change some of this and set up auto pay. Successfully paying for several months now but they still report me as no payment every month. I can't even qualify for a studio apartment in a questionable area because my credit shows a {$60000.00}. loan debt with current no repay.
I saw that Commerce Bank was offering a {$200.00} bonus for new checking accounts. I live in Illinois, which is one of their states, so I signed up and made a {$5000.00} deposit on XX/XX/XXXX. I just got a letter dated XX/XX/XXXX saying my account was closed due to inactivity. I had only had the account open for 6 weeks, and they are closing it for inactivity?? It 's clear to me that Commerce Bank is just trying to avoid paying the {$200.00} bonus, which would have occurred at the 90 day mark. They should n't be allowed to have people go through all the effort to honestly open an account with them and then deny the bonus because 6 weeks later they decide it 's not the kind of customer they want. They had my address when I signed up with the bonus promo code, so any sort of suggestion that I was n't in the bonus target area is ridiculous ... .they should have denied my application then if they did n't want people in my geography ( and I do live in a Commerce Bank state ). 

I sincerely doubt Commerce Bank is closing long-standing accounts that lack activity for 6 weeks. They are only targeting accounts for closure that they 'd have to pay a bonus on if they stayed open longer.
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Dates : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX
On XX/XX/2018, I visited XXXX Hospital 's ER in XXXX, TN ( a public trust hospital system and an in-network provider for my insurance policies ), and was subsequently billed by XXXX XXXXXXXX XXXX, XXXX, ( XXXX XXXX, XXXX - treating physician ) for medical treatment by an ER physician. 
I currently have two health insurance policies. XXXX XXXXXXXX XXXX, XXXX, billed for {$1100.00} ( 1000 % of local pricing for ER care ). Both policies paid, {$180.00} each or {$360.00} total. This left a bill of {$810.00}. I was not billed until over 90 days from treatment date making it look as if I am late with payment. Although it seems outrageously unfair for such high billing and the use of balance billing for payment, so far all is sadly legal. 
What I found after paying XXXX  XXXX XXXX, XXXX, they used the government entity name of " XXXX XXXX XXXX XXXX XXXX, '' when I actually paid " XXXX XXXX XXXX, XXXX, '' through their collection team, " IC System '' for the remaining amount of {$810.00}. 
What I have found is that the business, " XXXX  XXXX XXXX, XXXX, '' uses fraudulent business dealings. They sell these debts ( negotiating ) to  other businesses before you've received your first billing. I do not know if these businesses are owned/in-network by the XXXX XXXX or simply sold to other collection agencies multiple times. You as a patient pay the bill, yet the owners of " XXXX XXXX XXXX, XXXX, '' again resell the bill over and over, layering the transaction. I currently get local number phone calls coming from the XXXX demanding payment for this bill ( again ) with no recognition of the confirmation number given, the same account number, or receipt by my state issued card by prior debt collectors. I do know that " XXXX XXXX XXXX, XXXX, '' has XXXX XXXX, XXXX, as its president. He also is in the XXXX for several other collection-type entities such as, " XXXX, '' " XXXX, '' and " XXXX and XXXX XXXX XXXX. '' It seems that this company is not interested in actual accounting practices for billing but possibly entering into fraud by layering the collection process with various companies to multiple bill for single debt. 
It is fraud to use the City of XXXX & XXXX Co 's trust of XXXX XXXX Hospital as the collection name. I phoned XXXX billing department and found that this debt I paid for {$810.00} is entirely " XXXX XXXX XXXX, XXXX '' and through my credit card & matching EOB 's, was paid in full. These collection companies have threatened to ruin my credit rating due to their claiming it is an unpaid medical debt. By switching company names over and over, it can seem you never paid this debt for they can claim that they never received the payment. This seems to be the strategy to gain multiple payments from unsuspecting patients. " XXXX XXXX XXXX XXXX '' takes XXXX and XXXX patients ( XXXX government payment for medical bills ), yet these very patients can be ruined by unscrupulous billing practices from companies like, " XXXX  XXXX XXXX, XXXX. ''
I recently tried to open a Business bank account and was unable because they said that my XXXX was on chex systems. I recently called XXXX, and XXXX and was unable to find any accounts. Those are the only companies I recall doing business with. I attempted to request my business consumer report but was unable. I was sent my personal report instead which showed no history.
I do not have a knowledge of owing any debts. I was not called or mailed a letter to verify any amounts due.
I have a lot of debt with ca pital one credit  card company and it 's destroying my credit.
Wells Fargo call me two to three times a day ( on number XXXX ) attempting to collect/negotiate a debt. This bank leaves a voice message for XXXX. The message is from XXXX with wells Fargo Card Services, asking XXXX to return her call. This harassment has been going on for over two months now. Some calls are late at night. I am NOT XXXX and my voice mail message clearly states my name, being XXXX.
I had a bank of america checking account which I closed today. Lately they 've been charging overdraft fees BEFORE I overdraw the account. If the account gets under {$7.00} Bank of America with initiate an Overdraft Transfer and then charge a {$10.00} fee on top of that. I 've had BofA for years and this is the most recent scam of theirs to get extra money. I 've spoken to BofA XXXX times in the past month and I got reimbursed the XXXX XXXX times with the most recent incident earlier today resulting in me closing the account. The CSR said that BofA is " assuming '' that I will overdraw and to prevent that from happening they initiate a tranfser. My ending balance on XXXX XXXX, 2015 was {$5.00}, the following morning BofA inititates a transfer to keep my from overdrawing before I overdraw the account?! It 's bad enough they 're charging me {$2.00} for even looking at my balance on an out of network ATM but this is just so underhanded and sneaky. I still have a savings with them but I may close that soon. This is n't how overdraft works you charge me when I overdraft not before when you think I might especially when there were no pending transactions at the time of the overdraft transfer. This is the second time I 've closed a checking account with BofA because of their practices. I have XXXX other checking accounts which I use more frequently and I 've never had these problems with those XXXX other accounts. They try to justify the charges by saying that by the end of XXXX XXXX, 2015 I would 've overdrawn. I knew my account my close to {$0.00} which is why I checked the balance and because of the BofA inititated transfer of {$14.00} my account was still positive. Had that transfer not been inititated by BofA I would 've seen that my account was close to {$0.00} and initiated the transfer myself. Not once did my account drop below XXXX NOT ONCE. They charged me a fee and transferred funds all while the account was positive, way to nickel and dime your customer.
A home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX was sold at public auction on XXXX XXXX, 2017 at the XXXX XXXX County Court House. The property had been recently refinanced and the company forwarded all closing documents to the trustee who continued his unethical practice of hindering trade and commerce and a violation of Florida Statute 542.18. The Trustee / Attorney violated Florida Bar rule 5-1.1, " by not following a directive of a client or protecting the interest of a client ''.
I am writing a complaint in regards to Navient/Salliemae. I borrowed loans to finish XXXX year of school. I graduated in XX/XX/XXXX. However, when I upon graduating, after the XXXX month grace period I immediately began to repay my loans back. After almost XXXX years of repayments my loan balance has not changed and in some cases has increased since I borrowed the money in XX/XX/XXXX. I have called to dispute my payments over my account and have been faced with representatives hanging up in my face, transferring me endlessly and inaction. I became very ill over the years and continued to pay the student loans. In XX/XX/XXXX and XX/XX/XXXX I called to dispute once again and was ignored. Last week I called to dispute once again. I was unaware of the current lawsuit until today. I called and spoke with XXXX and requested a copy of my payments and charges and contract. Instead I was given a pdf file with a note saying my account was adjusted. XXXX was deducted so I sent a response saying that this was not sufficient and not was I had requested. I was given no response so upon calling this morning was transferred and ignored until I continued to request for a supervisor and wait until I talked to XXXX. I spoke to XXXX who said she would send my payments and contract with XXXX to XXXX days. While I attended school for graduate studies I continued to make payments of about XXXX per month or more. However, many of those payments and others have been omitted from my account and not counted toward my balance. Most of my money was taken and called " interest ''. I am highly disappointed with XXXX/Navient and can attest that they are more harmful for the XXXX people. They have done considerable harm to me and my family. I am an ill person who is unable to work. I was unable to dispute and fight as some individuals have. I am to weak to fight back. I think it is an American crime to take advantage of the XXXX and people who just want to go to school and get an education. They harm the country not help it.
I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. They're reporting 4 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the accounts that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ), and my wife did too, and XXXX XXXX XXXX has NOT removed THESE accounts from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
I never lived at XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX
I currently have mobile service with XXXX and generally pay my bill through my checking account. On XX/XX/XXXX I attempted to pay my bill using a new checking account open XX/XX/XXXX.I was informed by XXXX that my checking account was not approved to pay my bill. XXXX informed me the TeleChecks was responsible for denying the use of my checking account. I contacted Telecheks at XXXX and was informed through the automated system that my checking account was denied because of several returned checks. I knew this was not true because I had never written a check on this account. I spoke with a representative at Telechecks who stated that XXXX XXXX XXXX provided the information regarding my checking account. When I asked when XXXX XXXX XXXX provided this information the rep refused to tell me. He then stated that my social security number and date of birth matched an account that was in a past due status that was in the sister cmpany 's data base know as First Data Retrieval. Instead of fixing my problem with my XXXX bill I was then transferred to First Data who then asked me for payment. I asked them who authorized the sharing of my personal information between the companies and they told me that XXXX authorized First Data and Telecheck to use information in their client data to match up with any past due accounts they my have. I told them that I did not authorize XXXX to do this. I called XXXX who denied this and stated they have no relationship with First Data and that Telechecks is only to be used to process payments. I contacted First Data and they stated that my information was sent to the original creditor for collections purposes. I received a notice from XXXX a few days later requesting payment on an old account that is past the the limits of collections. First Data illegally retrieved my information and is using Telechecks to seek out clients information that may be past due. Because of this, when I attempt to use my checking account to pay my bills I get denied because of Telecheck and First Data. First Data stated that they will not remove the hold until I pay them or XXXX.
I opened an account and secured a {$500.00} loan with MoneyLion Inc. in XX/XX/XXXX. I called MoneyLion Inc. on XXXX advising due to a family emergency, fraudulent activity causing XXXX XXXX to close my checking account ending in : ( XXXX ) which created a personal hardship, I could not continue to make the monthly payments coming from the now closed XXXX account. I was advised : " No problem, we will deactivate your account until your financial situation has improved and you can resume payments to MoneyLion. In mid XX/XX/XXXX I logged into my MoneyLion mobile account, finding a message that a payment was scheduled to be withdrawn on XX/XX/XXXX XXXX from the closed chase account. I filed complaint number : ( XXXX ) on XX/XX/XXXX with CFPD, received an email on XX/XX/XXXX stating CFPB did not have jurisdiction over local, state or federal government agencies. MoneyLion Inc. does not fit any of these. MoneyLion Inc. is a private, independent company founded in XXXX by XXXX XXXX of NY, NY, who remains CEO. MoneyLion Inc. offers diversified financial services. The mailing address for MoneyLion Inc. is : ( XXXX. XXXX XXXX, XXXX, Utah XXXX. The customer service phone numbers are : ( XXXX or XXXX ). The email address : XXXX ). I have contacted MoneyLion Inc. multiple times to resolve this matter to " NO '' avail. Moneylion did  attempt to withdraw funds from the closed XXXX checking account, now charging me {$23.00} for NSF fees after being advise the XXXX account was closed. MoneyLion Inc. has reported late payments of more than 30 days to the three major credit bureaus. I would like this account with MoneyLion Inc. closed and finalized.  Respectfully Submitted ...
XXXX has called my phone daily for over 5 years. This has resulted in thousands of phone calls to my phone. I am being harassed. I am not XXXX XXXX.