WillisBack/dataset-financial-user-claim huggingface dataset:
The last day XXXX XXXX XXXX and Resurgent Capital reported to the credit reporting agencies was XX/XX/XXXX. On that day they reported I owed {$740.00}. 
It is now a month later ( XX/XX/XXXX) and they are still reporting that I owe {$740.00}. In addition, they have already garnished my paycheck for MORE than that amount. The total money they fraudulently took from me was {$1000.00}. 
It has been more than enough time for them to update this and report that the matter has been closed and to remove it from my credit report. 
They fraudulently ballooned the charges up to {$1000.00} when they asked for the garnishment order. They NEVER reported that amount being owed to the credit reporting agencies. 
XXXX XXXX XXXX and Resurgent Capital Services L.P. have unlawfully collected on this debt. I have not signed any agreement or contract with either of these entities. This is a common action they often abuse unjustly and unfairly by doubling or quadrupling the debt when they acquire it even when the debt has been charged off or exhausted. 
They have not stated the date in which they claim to have taken ownership of this debt AND they have not even provided proof of their ownership of this debt. Instead they were hoping to scare me into inaction so they could get a default judgment. This is an unscrupulous practice whereby they purchase debts for as little as possible by only obtaining the bare minimum amount of information needed in order to threaten and coerce the consumer into making payments. 
Another routine practice of theirs to trick consumers out of their hard- earned monies is they often pass the debt between their multiple entities ( Resurgent Capital Services LP , 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 in order to entrap, trick, and restart the debt, which supports ethical fallacies, rationale fallacies and rhetorical fallacies which is reprehensible by all means, despicable and corrupt. 
Anyone who spends any time researching XXXX can find numerous examples of their phony business conduct, which are unfair and deeply troubling.
I went to school for XXXX at XXXX in XXXX 2010 and got an privte loan from gensis equaling XXXX my course cost at the time XXXX learned that they had been sued at I did not recevie, money for over payment the class that graudteed after me, recevied an reduction in tuttions payed, XXXX
Cavalry Portfolio Service, amount  is $XXXX. I have disputed this account and I have no knowledge of this account.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX  XXXX, and PROF DEBT ( Original Creditor : XXXX XXXX  XXXX ) XXXX
I sent a dispute on XX/XX/2018 asking FirstSource Advantage LLC to validate debt of {$230.00} I was looking to get full accounting of the alleged debt. I received a print out of an account summary from XXXX XXXX XXXX  and without any of the other information requested from my debt validation letter. Under the Fair Credit Reporting Act I have the right to demand they disclose all the documentation requested from my original letter that was sent on XX/XX/2018. I do not have a contract with FirstSource Advantage LLC. Please send bonding agent for FirstSource Advantage LLC. in case if legal action  becomes necessary.
I have never had business dealings with credit bureau of bessemer.they have numerous of accounts on my credit report..i have disputed with the credit bureau but have came back verified
I WAS TRYING TO GET MY REPORTS AND BY MISTAKE I LOST THE PAGE. NOW I DONT HAVE MY REPORT AND IT SHOWS AS I ALREDI PULL IT.
Have requested multiple times for detailed invoices reflecting the charges owed - have not received anything. Contacting the office via their XXXX # regularly puts you in a voice mail loop. I 'm considering this fraud at this point.
Wells Fargo 's last letter to me stated that I willingly put a check in online and it somehow appeared in a specific branch. Upon speaking with a customer service agent of another bank, that is impossible. When a customer takes a picture of their checks, they still have the check itself in their possession. So if you take a picture of your paycheck, and upload it to us bank. It does n't show up in XXXX if you deposit it online or via mobile in XXXX. When it 's a picture taken online or via mobile app, it is still visible to you. Unlike when you go to an actual branch, it is taken from you. But mobile banking and online banking both do n't have any way to put the check in any specific branch. I did not willingly put anything anywhere. Knowing that I have told their representatives I only get ssi, and knowing that nobody gets {$15000.00} in ssi, that would be logical that my account was highjacked. The most one person may get in ssi, may be about {$2500.00} to {$3000.00}, but no more than that. As well as they stated that if you report that funds were put into your account as an unauthorized access to the account, then as long as you report it within 60 days, it should be resolved. If they think willingness, is about giving permission, it is not. If I willingly put {$15000.00} in that account, and making only XXXX a month in ssi, I doubt I willingly put anything anywhere. How can I come up with XXXX, when at most, one could only get {$1300.00} from XXXX payday loan companies? {$730.00} + {$1300.00}, equals nothing close to {$15000.00}, and the person who put it in there is XXXX XXXX, in XXXX, I do n't think that 's logical. And also, they state that in their funds availability policy, that any amount over {$5000.00}, is to have the first {$200.00} available the first business day after that was deposited, well then if that be the case, mine were available the first day they were put in. XXXX XXXX is the check issuer, but that check holder is XXXX in XXXX. And by federal law, he should be in prison for committing a purposeful fraud against wells Fargo. But wells Fargo looks at me for fault, when the last time I 've travelled outside of XXXX, is when I was a very going minor child. The check was unclear to me online. I do not know any XXXX XXXX, with XXXX XXXX in XXXX. Willingness is not permission. If what they state is true, then why was the check from an XXXX account, and XXXX address. And what about the check being from XXXX XXXX, in the fact, that they refused to hand over certain information that would have prevented me from being held liable.
I wired {$20000.00} to XXXX with no errors and included the accurate Recipient Instructions/Message number on XX/XX/XXXX. The wire was initiated same-day ( was informed it would be deposited same day ). After two days still had not received a deposit and reached out to XXXX message support form for assistance with a detailed PDF including the Federal Reference Number, Bank Reference Number, etc. After a couple days called the Coinbasewires number and XXXX XXXX, but unable to get ahold of anyone. On XX/XX/XXXX after seven days of no XXXX  response, I requested a wire reversal from my bank. 

I reached out to my bank on XX/XX/XXXX, and was informed my bank is still waiting for the reversal to initiate from XXXX XXXX, i.e., CoinBase, Inc. bank. I have sent another message to the XXXX support group. But unable to get ahold of anybody. 

Case ID # XXXX
last year i purchased a desk, dresser, and a bed frame from XXXX, i had to pay a fee for them to put the furniture together. It took two months for me the get the items, when the workers came i mentioned to them about putting the bedframe together. He told me that it was n't his job, it was only his job to deliver the furniture. I sent everything back and began a dispute with m my XXXX. last year on XXXX/XXXX/XXXX XXXX charged my credit care again for {$710.00} and XXXX/XXXX/XXXX for XXXX, again i am in the process of filing a dispute against XXXX because i am no longer buying things from them and yet they continue to charge my visa, my credit score went down from XXXX to XXXX because of them maxing out my XXXX.
I submitted a dispute on XX/XX/2017 and still have not have had a decision told to me. the confirmation number of the dispute from equifax is XXXX.
So in XX/XX/2018 I received Loan Modification by XXXX XXXX XXXX to sign the modification, and to bring the account current. So I accepted the modification and made the first three trial payments on time. In beginning of this month, they sent me another modification document to sign which increased the interest rate from 4 % to 5.62 %. And, also increasing my monthly payments from $ XXXX to $ XXXX, and when they tried to send me the loan modification document they tried to backdate the dates which mentioned the loan modification was taken place in XXXX of 2018. XXXX is claiming that it was a clerical error on their part but it is clearly evident it was not through out the document. 

Furthermore, they are trying to increase my interest rate so I owe them money from they months I originally signed the paperwork. They have to honor the modification which was originally signed in XXXX.
I sent a request for information to Chase and they are refusing to answer all the items that I am entitle to. The Executive office from Chase is also refusing to send Correspondence to the appropriate person and address as indicated in my third party authorization. I do not want to miss important information.
one main keeps calling me at work even after I ask them not to me here as it interferes with my job
Applied for a loan with Ditech mortgage and have not received anything in writing from them. I did talk with XXXX XXXX and he said that it had been declined and they were looking into another loan situation for me. To this day I have not heard anything. 
I called and left several messages for a supervisor by the name of XXXX XXXX @ XXXX in the refinance dept., but I have not received a call back. Also the person that took my application by the name of XXXX XXXX will not respond to my calls. 
Can You please help me get a letter of status concerning Loan # XXXX with Ditech Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
My mailing address is XXXX. XXXX XXXX, XXXX XXXX XXXX.
Their response to my issues of poor communication have proven exactly why this company can not be trusted with student loans. They have responded repeatedly with half thought out responses not even addressed to me appropriately that haven't even addressed the issue at hand. They also include lies about their previous responses and handling of situations. This company has been unable to respond to complaints repeatedly over and over and over again and in addition are lying in their responses in formal letters. It is this incompetence and dishonesty that makes this company a poor excuse for a loan servicer. They can not even handle a simple task of taking accountability and addressing simple issues. I need this case to be escalated further and I want the CEO to contact me directly so that the issues at hand can be resolved. Obviously the rest of their staff are unable to take on menial tasks.
I deposited a check for {$50000.00} drawn on a XXXX bank into my Citibank HELOC on Thursday morning, XXXX XXXX. Today the local Citibank branch manager told me that the funds would not be available to draw until Saturday XXXX XXXX - XXXX from the day the money was deposited.
I was charged for a service I did not ask for that they took out of my payments fpr years, this was done through my automatic payments. Though they reimbursed me for the fee I was not reimbursed for the collected interest that I had occurred and had been applied to my unpaid balance. I do not wish to pay them any further money as I believe they owe me money.
In XX/XX/XXXX/XX/XX/XXXX, Citibank had a checking and savings account offer whereby depositing and keeping {$15000.00} in the account for 60 days would make the account holder eligible for {$400.00} promotional bonus. 
I opened checking and savings account with Citi for {$15000.00} on XX/XX/XXXX and since then havent removed my {$15000.00} out of the account. I called Citibank helpline after 60 days of funding the account and the CSR said I have to wait for another 90 days before Bonus of {$400.00} gets posted to my account. 
I waited for another 90 days and called Citi bank on XX/XX/XXXX but they are refusing to accept the fact that I was ever eligible for a {$400.00} bonus. They say their system doesnt show any such promotion for my accounts and Im not eligible. 

They say they will 'investigate ' and have recorded a complaint and given me a complaint number : ( Service Request # XXXX ) saying their Client Relations department will reach out to me in 60 calendar days. 
My {$15000.00} amount is however still tied into the account although I could be earning 2.5 % APY in other competing bank accounts. 
I have reviewed thousands of similar complaints online from other account holders who are victims of Citibank 's fraudulent and non-professional treatment. 

Here are my account numbers for reference : -- > HIGH INT CHKG XXXX -- > Citi Savings Acct XXXX
Have tried too many numerous times to get my credit report on line to no avail, they say information doesn't match have mailed and faxed also my identity proof two times and have even talked on the phone but didn't help. They had wrong birth year but the said they corrected it but I don't know if that is true because I haven't seen my credit report and what other things of information could be wrong. I also have seen hundreds of others have same issue as me
Date:XXXXXXXXXX From : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX To : Diversified Consultants XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX : Cease and Desist Acct # Dear : Diversified Consultants Inc I am respectfully requesting that you refrain from contacting me by phone, with no letters in the mail, by text messages and email. Please refrain from using such methods as skip tracing, to contacting my relatives and employer. Do not contact met at all! Your continues calls, letters in the mail, text messages, emails and such conduct has caused me to suffer humiliation, embarrassment, emotional distress and physical discomfort. Please take a note that any future unsolicited methods of contact will be reported as multiple violations enacted by the Federal Trade Commissions ( FDCPA ) Laws. If contact does not ceases immediately I will be forced to utilized legal representation from a FDCPA Attorney. 
Fair Debt Collection Practices Act including but not limited to sections : 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts  Regards, XXXX XXXX
Joint account with HSBC. The primary holder passed away, and this Bank found numerous ways to prevent the other holder from getting her money, including canceling a Bank to Bank transfer because the name was not exactly the same. The next week they mailed a check but somehow sent it to a wrong made up address and name. This is now 1 month after the other person passed away and the second person still does not have her money and she is a senior citizen. All paperwork was mailed out or faxed to them with current names, addresses, numbers, id, and poa. This bank is very suspicious and shady in its financial dealings.
Three transactions where charged to my Paypal account by XXXX. I contacted XXXX initially and they responded that I need to contact PayPal. I contacted PayPal and disputed these three transactions explaining that I did not have a XXXX account at the time of the transactions and please honor your protection guarantee. PayPal resolved my dispute without throughly researching my case. Had PayPal throughly researched my case they would realized that I had no XXXX ad or promotion. Which would not be possible because I did not have a active XXXX  account at the time.
NO ACCOUNT OR WET INK ASSIGNED AGREEMENT TO ATTEMPT TO COLLECT ANY DEBT I DO NOT OWE.
XXXX XXXX XXXX is currently reporting an account that I am not responsible for to Transunion that needs to be removed.
1. On XX/XX/XXXX I entered into a loan modification agreement with Ocwen Loan Servicing that was offered to reinstate my mortgage. At the time of the modification, the balance of my first mortgage loan was {$84000.00}. The approximate balance on my second mortgage loan was {$24.00}, XXXX. 

2. In XX/XX/XXXX, I received an IRS form XXXX for debt cancellation from Ocwen Loan Services in the amount of {$77.00}, XXXX. According to the form I received, the amount was discharged on XX/XX/XXXX. 

3. Since Ocwen was the servicer on both my first and second mortgages and they offered a solution to help us, my husband and I were lead to believe that the second mortgage was modified as well. 

4. On XX/XX/XXXX I requested a pay off quote for our first and second mortgage. I was informed that our second mortgage was sold to a collection company by Ocwen Loan Servicing on or around XX/XX/XXXX. I was not even aware that the second loan existed because we were lead to believe that our mortgage was modified and both first and second loans were included. 

XXXX. What actually occurred is that Ocwen Loan Servicing offered what appeared to be modification solution to help my family, however, the discharged amount created additional tax liability, the balance of my first mortgage loan was not accurately adjusted to reflect the amount of debt discharged and Ocwen sold the second mortgage to a collection agency five months later without my knowledge. In fact Ocwen committed unethical and illegal underwriting practices. Ocwen created additional financial duress and burden by presenting what appeared to be a solution, but was actually misleading.

6. I contacted Ocwen Loan Servicing regarding the charged off account and was told that the second loan was not modified. Since the second loan was not modified, there is an accounting discrepancy. The principal balance of my first loan should not have been {$42000.00}. At the time of the modification ( XX/XX/XXXX ) the balance of my first mortgage loan was {$84000.00}. Ocwen Loan Servicing cancelled {$77.00}, XXXX per the XXXX I received from Ocwen. 

7. When I contacted Ocwen on or around XX/XX/XXXX about the discharged debt and incorrect principal balance, they were unable to explain the discrepancy.

8. On XX/XX/XXXX, I attempted to log into my online account and Ocwen Loan Servicing has blocked my access to my online statements.

9. I have been a victim of discrimination due to race and socioeconomic status. Ocwen Loan Servicing attempted to take advantage of our financial hardship. Ocwen is in violation of Truth in Lending Act and the Real Estate Settlement Procedures Act, as well as the Equal Credit Opportunity and Fair Housing Act.

10. I have attached a copy of the IRS form XXXX as well as account activity for my first and second mortgage loans.
Chase keeps sending me physical mail ( or claims they have sent me physical mail, because obviously the delivery rate for their mail seems low ). Like anyone born after XX/XX/XXXX, I dread the notion of physical mail. This is not XX/XX/XXXX where physical mail could have been ( being generous here ) considered the best way to communicate. 

As much as I like waiting XXXX a ) week XXXX XXXX ) to receive my mail with no tracking on important matters, then finding a sharp tool to open the mail XXXX, then extract the letter while desperately trying to avoid paper XXXX, then taking out the trash so I have a place to throw the envelope, it is ultimately extremely unsafe. Whenever I get mail from Chase, I have to bring it to some kind of shredding service. 

In this modern day and age, I really do n't know who thought up that sending personally identifiable information over physical mail was a good idea.
Transunion has an item on my credit report that was not verified. XXXX it was updated XX/XX/2016 the company address is XXXX WA XXXX I have never had an account with XXXX I requested verification from TransUnion and it was supposed to be sent within 15 days according to FCRA it was never sent and I want this item removed immediately Legal Counsel has been notified.
Dear Sirs : I have been referred to you by XXXX XXXX, XXXX Oregon. 
I am writing on behalf of a Chase client, XXXX XXXX XXXX, now in fragile health. I was appointed by her to act as her Power of Attorney, and her testament was drafted by XXXX XXXX, Attorney at Law, recently signed by her and witnessed. I presented to JPMorgan Chase Bank , NA, Branch XXXX, XXXX XXXX and XXXX on XXXX XXXX, 2016, mid-morning. I was assisted by XXXX XXXX, a polite and professional gentleman. who entered the required information in the computer after receiving acceptance by the legal team. I was told to allow XXXX business days for processing. The following Thursday I again presented to Chase, and was told by XXXX XXXX that XXXX was on vacation, that the POA had not fully processed, but she was able to process XXXX CD account for me. I presented again this morning at XXXX XXXX., and met with XXXX who explained that the POA had indeed not fully processed, and that he would expedite the matter. 
I need to review documents contained in the safety deposit box. I have been waiting eleven days and continue to wait as I try to expedite several matters on behalf of XXXX XXXX. I am grateful she has accounts at another bank at which I was not detained for more than one hour while all data was processed at that time. 
I am now at thirteen days and waiting. I appreciate your kind assistance in this matter. 
XXXX XXXX, XXXX XXXX, OR XXXX
I have informed you that the XXXX account that is reporting on my credit file is not mine. Please remove this account from my credit file. I have attach a police report as proof that this account is a result of identity theft.
I have a New Jersey XXXX account. NJ XXXX incorrectly sent a bill to a collections agency " XX/XX/XXXX '' headquartered in Wisconsin. I called XXXX on XX/XX/18 to resolve all issues. XXXX took care of what they could on their end but told me I had to call XXXX and resolve the amount that had incorrectly gone out to collections. 

I called XX/XX/XXXX, and spoke to two employees there. Both told me that even though the original charges were erroneous there was no way for me to dispute the charges on the phone or online. They offered no way to resolve the issue or send it back to their client. 

The hoops XX/XX/XXXX and XX/XX/XXXX are utilizing are predatory and inefficient.
For my job XXXX. These profiles are not used anywhere other than in our testing environment. 
Today I received a XXXX XXXX paycheck card from a company called netSpend. The card is associated with XXXX of my XXXX, but it has my personal home address on it. 
There is no way this company obtained this profile through legitimate sources. I tried calling the company but was not able to get through to anyone. 

Account number is XXXX XXXX XXXX XXXX Name on the card is XXXX XXXX
THIS DEBT COLLECTION AGENCY NATIONAL CREDIT SYSTEMS IS REPORTING/SUBMITTING FALSE INFORMATION TO XXXX. I CALLED THE AGENCY AND SPOKE TO A REPRESENTATIVE WHEN I SAW NATIONAL CREDIT SYSTEMS REPORTED ON MY CREDIT. THE REPRESENTATIVE I SPOKE TO AGREED TO MAIL A LETTER AND EVIDENCE PROVING THE ALLEGED DEBT IS MINE HOWEVER THE WOMAN NEVER SENT ANYTHING. FURTHER LOOKING INTO WHAT IS BEING REPORTED ON XXXX I SEEN THAT THE DEBT COLLECTION AGENCY IS REPORTING LATE PAYMENTS DURING MONTHS ( XXXX 2017 ) THAT I HAD NO SERVICE OR RELATION WITH THE ORIGINAL CREDITOR AS WELL AS AN INCORRECT BALANCE OF XXXX ( WHICH SHOULD BE NO BALANCE ). UPON DISPUTING THIS INFORMATION THIS AGENCY STILL HAS NOT CEASED ON REPORTING FALSE INFORMATION AND HAVE NOT REMOVED/DELETED THIS INFORMATION FROM MY CREDIT REPORT WITH XXXX.