WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XXXX XXXX 2015 I ordered a refurbished Heavy Duty XXXX wheelchair from XXXX of XXXX Florida. I paid the company {$2200.00} electronically using my debit card. 

The chair sent to me was neither identified as a Heavy Duty model, nor were there any shipping tags or bill of lading, and the chair did not operate properly. 

After a volley of nearly XXXX, at times heated, emails, the CEO of the company offered to send me a NEW Heavy Duty model, as well as to refund my payment, and allowing me to keep the old chair which remains inoperable. The chair was delivered and operates, though in a very disappointing manner. Again, no shipping label or bill of lading was included with this replacement chair, that identified it as an HD model ... 

Now XXXX is apparently NOW attempting to collect for the new HD chair, though XXXX CEO promised it because of the deficiency of the chair that had originally been delivered. 

XXXX has never sent me a bill or any other written communication regarding this claim -- they did n't even bother to send a shipping tag/bill of lading until two weeks ago ... which I suspect they just dummied up because they had not sent it originally ... 

XXXX is using a firm called ALLIED INTERSTATE, which apparently is a subsidiary of an XXXX firm called XXXX, which firm has contacted me, asking for my social security number and to verify my name ... 

I owe XXXX nothing, based on the promises of their CEO, despite threats from a customer service representative ... 

I believe XXXX is operating in Florida illegally by not including proper labeling of purchased items, proper delivery information, and some sort of serialization of their products ... 

I was also suspicious when they offered to give me the new chair AND repay my payment to them, as well as to keep the old chair in response to my complaints about the old chair ... 

I want the harassing calls from this XXXX importer and debt collector to cease for a debt that is not owed by me ... 

Thank you for your help ...
On XX/XX/2018 at approximately XXXX XXXX I was contacted by a representative at the number XXXX. I was never told the name of the company but was promptly informed that I owed a debt for a pay day loan. I was told 'the comapny Ace Cash was looking to pursue 2 separate charges. One for fraud and one for checks fraud '. I was skeptical because of the many phone scams that are currently going around and I had not yet been given the name of the company that was actually calling to collect said debt ( {$470.00} ). I eventually talked with a woman who claimed she was XXXX XXXX. I explained that I in no way tried to defraud anything at the time of the payday loan ( 1.5 years ago ) but that I currently could not make a payment within the 20 minute time frame she was giving me before I would be 'served by a process server '. I would need some time as currently all my money pays for my living expenses and child care. And that if my only option was to pay in 20 minutes or be served then I guess I would tell the same thing to the judge. XXXX XXXX then thought it was appropriate to tell me that, and I quote : 'Better have a really good car because I'll never be able to get a loan again ' as well as insinuate that I am an irresponsible XXXX year old ( like I don't know I have made mistakes ). She was incredibly unprofessional. I was absolutely shocked that this woman would be allowed to berate and harass customers on a daily bases. XXXX XXXX then hung up on me after I asked for her name and then supervisor. I promptly called back and made a complaint with this company. I will admit I talked with 3 other people at the company that were much nicer and were able to act in a professional manner. I also paid my account in full less than 1 week later and only then was I finally informed that the company is XXXX XXXX. I am still not 100 % convinced it isnt a scam as the XXXX-number I  was given does not pull up any XXXX XXXX company when ran. 
My complaints are with the company not clearly identifying themselves with an actual company name and with their unprofessional and rude employee XXXX XXXX who insulted and berated me over the phone.
As of XXXX/XXXX/XXXX our small business checking account was transferred from XXXX XXXX XXXX to XXXX XXXX. I knew there would be an adjustment period and probable glitches so I decided to be patient and follow the XXXX employees advice wherever needed. I knew I could n't get online to my account but was told it would take some time for the transition. Fine, ok. Our seasonal business income goes up and down thus our account balance goes up and down. While it was up, there was no problem with automatic withdrawals. In other words I could manage our account just by monthly statements ; but, as time wore on it became a problem. We received a letter in the mail to contact a local branch because there was a problem that needed to be resolved with our ability to use online banking. My husband went to a local branch, they read the letter and then told him that they did not know why that letter was issued but there was no problem that they could see. So again I attempted the online banking but was refused. In XXXX there were two overdrafts ( {$35.00} each ) AND 2 extended overdraft fees of {$25.00} each. This was a larger quarterly withdrawal in addition to the monthly withdrawals. I learned this through my statement which I received in XXXX XXXX. We hurried to remedy this by depositing money. I once again tried to get online banking but again was unable to accomplish this. We went to the XXXX branch to remedy this problem. XXXX was most helpful. She found a major glitch where we had to go through the government to get the signature card reauthorized by XXXX standards. This process took a long time ( about 3 weeks or so ). XXXX then entered the necessary information and eventually we were easily able to get access to online banking. The problem I am disturbed about is the lack of XXXX BANK 'S taking responsibility as a business for all of the fees. But for the fact that I could not get online directly related to this " transition '' to their bank these automatic withdrawals would have been seen by me online and the low balance would have been taken care of. I NEVER had this issue with XXXX XXXX, NEVER. Our small business has been tormented by this bank NOT by the branch manager who has work very hard for us but by XXXX and their greedy standards. I tried to find a way to email XXXX but their were only phone numbers of departments who could not help me reverse all of these charges! Someone at XXXX decided to transition our account to the wrong kind that requires a {$5000.00} minimum balance. Never had that type of account at XXXX XXXX. I feel they have been deceitful with the transition of my account to XXXX XXXX. The branch manager was able to credit our account for {$60.00}. We paid {$80.00} total for the " new '' type of bank account management fees. Why are we paying these fees if the transition was supposed to be smooth and no change in our type of account was supposed to occur? No employee at XXXX has thus far been able to reverse these charges. It feel like they read from a script. Can you help me?
I have a home mortgage with Homebridge Financial. I had significant home damage from XXXX, XX/XX/2016. As a result I filed a claim with my insurance company, who intern issued a claim check in the name of myself, my wife and our mortgage company ( Homebridge Financial. 

They made me hire a contractor ( due to dollar amount of the claim ) and would not turn over the funds to me so I could get repairs underway. I am only getting a fraction of the money at a time ( only after waiting for them to get THEIR inspector out to look at the repairs ). This is taking an extra week and then I have to wait 2 more weeks to get a menial check that does not even cover the cost of the particular repairs done. I am winding up paying all the expenses out of pocket and then going thru the hassle of them writing a check to me, my wife and our contractor ( again a three party check ). In the mean time the contractors doing the actual work are calling daily wanting their money and threatening court action for non-payment. 
These contractors do n't like waiting three weeks to get paid.
In XX/XX/XXXX, I entered into a payment agreement with Navient, I would make monthly payments on the XXXX of each month for 14 months. In XX/XX/XXXX, my debit card was stolen. I wasn't sure if I would need to change my card number if Navient. On XX/XX/XXXX, I knew my payment had been processed so I called and updated my information. The payment was processed on XX/XX/XXXX and each month following my payment was paid. I got a delinquency notice in XX/XX/XXXX, my mother said her credit score had decreased because of Navient. I called and the man did a research request on my account to discover what the problem was because he could see my on time payments. I got a letter that said I had not been making full payments but I had been in accordance to my payment agreement. I called again on XX/XX/XXXX and the woman said when I updated my payment information in XX/XX/XXXX, she put in a request to have the payments corrected however would not give me any kind of confirmation of this. I asked for a copy of my payment agreement and she said it couldn't be sent out until XX/XX/XXXX and to not make any additional payments on the account outside of what I had agreed to last XXXX.
I receive 3-4 calls daily and when I answer they hang up. This started in XXXX XXXX,2017. They have changed numbers several times and I 've blocked numerous numbers that belong to this company.
I have contacted all 3 credit bureaus and the original creditor multiple times and have disputed serious errors on my credit report. 

XXXX XXXX XXXX ( mortgage company ) recently reported to all 3 bureaus that I have had an open account since XXXX and they have falsely reported late payments for XXXX, XXXX and reported a 'late payment ' for XX/XX/XXXX. I have NOT had an active account of any kind during those years. The data reported by XXXX to all 3 credit bureaus are NOT true and are an absolute impossibility! I have had NO interaction with them since XXXX yet they even continued to report a closed account all during XXXX as well. 

I was denied credit and a mortgage as a result of this malicious and negligent reporting. 

I have filed multiple disputes with XXXX, Transunion and XXXX as well as XXXX, but in each case credit bureaus have reported that XXXX 'verified ' and/or 'validated ' this. Again, this is 100 % impossible and is fraudulent reporting by XXXX.
In XX/XX/2018 I enrolled in a student loan repayment plan with a company called Timemark Solutions. I am a single mom with an XXXX  child and am currently pregnant so am unable to work. I owe a lot in federal student loans and spoke with this company about my issues and need to consolidate the loans. According to my monthly income they said I qualify for a $ XXXX/month payment. I was told I would first have to pay $ XXXX/month for four months for a startup fee and they said my loans would than be consolidated and they are in direct communication with Department of Education . I gave Timemark Solutions my email address and they sent me release forms to sign and fax to them. Also I gave them my XXXX XXXX Debit card info and signed up for automated withdrawls. The next month I received an email from the Department Of Education stating my owed balance is past due and to call. When I called Department Of Education they stated they never heard of this company and that I should not be paying anything at all for consolidating my loans and getting on an income driven repayment plan. They informed me it is a free service and this sounds like a scam company that does paperwork you can easily do yourself. I than completed the steps directly with Department Of Education and successfully consolidated my loans and immediately started on a {$0.00} a month payment. I called XXXX XXXX and was able to cancel automatic withdrawls from this company. It is unfortunate I already payed {$99.00} in the first place. TimeMark Solutions keeps calling an average of once a day and sending texts and emails requesting I contact their office. They threaten that my student loans aare in danger of not being consolidated and say I need to call and make my past due payment. This whole situation has caused me a lot of stress and I feel taken advantage of.
CHEX SYSTEMS IS STATING THAT XXXX XXXX XXXX SUBMITTED A NEGATIVE COMMENT ON MY CONSUMER REPORT ON XXXX/XXXX/XXXX. HOWEVER XXXX XXXX XXXX WAS NAMED AS A DEBT IN MY CHAPTER XXXX & CHAPTER XXXX FILING XXXX. THIS DEBT OCCURRED EARLY XXXX & XXXX AND THE NEGATIVE FILING WAS NOT FILED UNTIL XXXX AND SHOULD BE REMOVED BECAUSE I WAS PROTECTED UNDER THE BANKRUPTCY DURING THE TIME THE DEBT OCCURRED. JUST BECAUSE XXXX XXXX XXXX FILED THIS NEGATIVE INFORMATION AFTER THE DATE OF THE BANKRUPTY DOES NO HOLD ME AS THE CONSUMER LIABLE DUE TO THEIR DELAYS IN REPORTING TO CHEX SYSTEMS.
On XXXX XXXX, 2016, I requested a copy of my free annual credit report. The automated system stated one was already sent. This happened with all XXXX agencies. I put a fraud alert on all XXXX reports. I tried to get my reports by phone and letters and still have not received these reports. I need someone to intervene on my behalf. Any help from your department would be greatly appreciated.
I received a notice from Sunrise Credit Services. It bears an SCS Account Number of XXXX. It references an alleged debt owed to XXXX XXXX XXXX. I owe no bill to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and they indicate I owe them no debt. I called Sunrise and was informed that the debt was valid, that I needed to prove that it was not, and that they and I would be touching base in a few weeks. I asked them to prove that I owe what they say I owe. The Sunrise representative I spoke to would not do so. Please assist me.
I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of Georgia and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. XXXX still came back claiming they had a contract signed by me for XXXX XXXX XXXX. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.
I was alerted on Thursday XX/XX/XXXXthat Equifax ( hereafter reffered to as " The Company '' was the victim of a data breach which released the data of myself and over a hundred million other individuals. This data purportedly contains my name, address, credit card numbers, credit information and SSN. This data breach occured more than 30 days prior, and The Company has known about the breach since at least XXXX XXXX, according to reports. 

The Company did not reach out to me in any way, other than the generic press release, which seems to be negligent. 

I have validated on the website provided by The Company for such purposes ( XXXX XXXX XXXX ) that I am in fact a victim of the breach. However, not only am I unable to take remedial action immediately ( I was given an " enrollment date ' of XX/XX/XXXX ) but I am unable to automatically enroll upon that date, instead I am required to monitor that time myself, make note of the location to enroll, and simply hope that the process goes smoothly. 

Furthermore, it is evident that The Company has been unreasonably lack in their security standards. To allow this much sensitive data to be released is already uancceptable, but other security standards are lacking. It is clear that proper obfuscation ( one-way hash and salt ) was not performed, as evidenced here : XXXX XXXX XXXX   To be clear, it most certainly is not industry standard to store a password in plaintext or any form of reversible encryption. As evidence of this standard, see this article on XXXX 's standards from XXXX : XXXX XXXX XXXX An excerpt from the article demonstrates this " Theres more XXXX also provides some other very worthwhile advice. 

All passwords must be hashed, salted and stretched, as we explain in our article How to store your users password safely. 

You need a salt of 32 bits or more, a keyed XXXX hash using XXXX, XXXX or XXXX, and the stretching algorithm XXXX with at least 10,000 iterations. 
" Finally, it is clear that for the small subset of people who were able to take immediate action to remedy this grievous leak they were coerced into an unreasonable contract. The Company 's provided fraud monitoring service ( which will presumably be what I can enroll in on XX/XX/XXXX as mentioned above, and is reportedly owned and operated by The Company ) reportedly contains wording in their Terms of Use that prohibit the users from taking legal action against The Company. This is clearly an unenforceable contract, as the majority of users ( over half of the adult US population ) are doubtless not knowledgable of their rights in this matter, and are in an unreasonable state of mind as they panic over their valuable and irreplaceable personal data being released by The Company. This contract seems like a clear act of bad faith on the company, and a feeble attempt to stymie the flow of lawsuits, both class and individual, that they will be rightfully bombarded with in due course. If The Company were truly attempting to remedy this situation, caused by their shortsightedness and carelessness, they would offer this service without such burdensome strings attached to it.
Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under fake accounts which she is currently in jail for and facial years in jail for fraud I even have my police report I contacted all the debt collection to let them know that it wasnt me I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos on my account one of them is XXXX it shows that I had a XXXX account since XX/XX/2015 but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company XXXX/XXXX I have no idea who they are but they keep on reported me messing up my credit please help me get my identity back.
XXXX XXXX XXXX uses Sunrise Credit Services Inc., to collect debts. I was not able to get XXXX XXXX XXXX internet service to work where I live, I returned the equipment promptly. I was repeatedly told I would not be billed for services and was told the equipment was received by XXXX XXXX XXXX.
Service attempt was is in XX/XX/XXXX. Billing from XXXX XXXX XXXX stopped in XX/XX/XXXX, I called with each bill and was assured I did not owe on month service as it was unable to be installed. Then XXXX XXXX XXXX sent me to Sunrise Credit Services , Inc., I started receiving phone calls and then received their demand letter for {$190.00}. I provided my tracking number for the equipment and was told by one agent once the tracking number was received the bill would be completed. When I returned the call to another agent and gave the tracking number I was told I still owed. After many calls the bill was reduced to owing one month of service. At my second to last call is when the {$190.00} was broke down that I owed for the equipment ( XXXX XXXX XXXX had received on XX/XX/XXXX) and XXXX XXXX XXXX confirmed received at the end of XX/XX/XXXX. Plus I owed for the month of service ( which XXXX XXXX XXXX  customer service said was not owed. ) May last call on XX/XX/XXXXwas told XXXX XXXX XXXX had retracted the claim. Asked for confirmation in writing and was denied any confirmation.
XXXX XXXX XXXX XXXX submitted a 1099-A without also filing or submitting a 1099-C to the owner of XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX regarding the payments she made. The 1099-A XXXX XXXX XXXX XXXX submitted indicated a loss of {$140000.00}, approximately {$20000.00} less than the deed to the property and likely as stated because the property structure was this amount, however, being the same {$140000.00} XXXX XXXX XXXX paid in mortgage payments. The for consideration amount was $ XXXX. Also, being the same amount inclusive of the land that XXXX XXXX XXXX paid for separately. This has been submitted to the IRS and was further addressed with XXXX XXXX with indication that this matter is being worked on by the Internal Revenue Service. The property and structure known as XXXX XXXX XXXX XXXX, VA XXXX is satisfied. There are no other known contracts of record for any other subcontractor, etc. and all other expenses were paid upfront by XXXX XXXX XXXX.
Hello, I 'm writing in regards to a new mortgage ( 60+ Days ) that has been transferred between several banks and XXXX XXXX XXXX 

I have never received a statement or bill from any company and do n't know how much to pay. I 'm now in behind with the Franklin American Mortgage Company. I 've attempted to call and find out what the amount is but the phone system continues to re-route me or re-direct me. I can not contact their Collections Department and there is no number listed on their site or from XXXX searches. 

They have sent me two letters telling me I 'm late, with incorrect contact information or NO contact information for the Collections Department. They have hours of operation, very handy, but no way to call, not very handy. 

This is a violation of my rights under UDAP. I 'm being charged fees for a mortgage where I have NEVER received a bill from Franklin Mortgage. 

How am I supposed to pay if I do n't know the amount? They are trying to illegally service this loan and eventually take my home when they NEVER delivered a bill. 

I have have attached a copy of their Collections Letter as proof of this frustrating process. Other than a " Welcome to Franklin! '' letter, I have received only Collections notices of this vague nature. 

Please help.
They offered me a payment program on Monday where I would have 3 months of reduced payments and reduced interest I needed to call back with a debit card. When I called back they said they couldnt do it and instead made my only option to use my remaining forebearance to get up to date. 

This constitutes falsely stealing me to use my forebearance instead of offering me a reduced payment plan.
Hi my problem is not that the company chase doesnt know what to dispute! Rather, they dont want to dispute! 

So I need your help to find out why and who would like to risk the chase brand name and reputation to willfully abuse its customer! 

I am the chosen one on their radar! So it should be fairly straightforward to bring the issue on the table and listen to their side of stories! 

Thank you very much XXXX XXXX XXXX
Someone used my personal information to open a checking account with Bank of America, and Bank of America is now holding me responsible for {$80.00} in bounced check fees. They have refused to resolve this with me, I have tried calling in to their fraud department various time, only to be told the only way to handle this is in person at a branch. I have gone to a branch only to be told that they are holding me responsible because they believe the charges are consistent. Consistent with what? This is not my account.