WillisBack/dataset-financial-user-claim huggingface dataset:
Today, my husband and I received a notice from our bank we were overdrawn, since we were paid 24hrs ago we logged onto our online bank to see that there was an {$18000.00} withdrawal. We called our bank, they said midland credit management took our money. We immediately froze our account and called this company. We of course refused to give our SS #. Which they were very upset about. After some digging, our names are not on their list of people that owe them . So I demand to speak to a manager to which I 'm told no they are busy and I 'm hung up on. Every attempt to call back is unresolved. Each dept I reach says hey ca n't help us. We want to know why they took our money when we are n't in debt, not are we involved with any debt collectors as we are current on any debt we have
Our mortgage was sold to Roundpoint within a month of our closing XX/XX/XXXX. On XXXX XXXX, XXXX we experienced a significant hail/wind/rainstorm overnight which resulted in approx. $ XXXX in damages to our home. After our insurance company had an adjuster do a review, and a contractor did the same, I contacted Roundpoint to discuss the procedures for having the repair check ( which was made out to them as well ) endorsed - I was emailed a document showing the lengthy requirements to fulfill in order to have them endorse and return the check. I was also told to send the check via overnight mail with a delivery confirmation, and to include a pre-paid return overnight envelope, which I did. The check was mailed to Roundpoint on Tuesday XXXX XXXX at XXXX PM and was signed for by XXXX XXXX from Roundpoint at XXXX on Wednesday XXXX XXXX. Roundpoint Mortgage then deposited the check for $ XXXX+ into their banking account on Friday XXXX XXXX. I contacted Roundpoint Customer Service on Monday XXXX XXXX and after 33 minutes on hold was informed that the check was " ... being reviewed for approval and processing. '' On Wednesday XXXX XXXX, after 66 minutes on hold, I was informed by XXXX XXXX that the check had been processed and mailed on Tuesday XXXX XXXX, and that it had been mailed in the prepaid, overnight envelope. I informed XXXX that the USPS was not showing it in tracking - she then informed me that it had gone out late in the day, so may not yet. On Thursday XXXX XXXX, the XXXX software still had no record of this envelope so I placed another call to Roundpoint - spoke with XXXX ( sp? ) and was informed that the envelope had been mailed on Wednesday XXXX XXXX. XXXX was unwilling to discuss the discrepancy and placed me on hold until the call was disconnected by the system. Upon calling back I spoke with XXXX who placed me on hold for XXXX minutes while attempting to put me in touch with XXXX XXXX again. XXXX kept me on the call for over 80 minutes more. She told me that she personally spoke with XXXX XXXX, the Correspondence Supervisor, who told her that the envelope had been delivered to the local postal station, by hand, and had been placed into " ... a bin in front of the counter ... '' at XXXX on Wednesday XXXX XXXX ( the different mail times point to the lies referred to earlier ), and that, at the time of our discussion ( XXXX CST ) " ... the post office must not have checked it in yet. '' 2 hours later, XXXX CST, there is still no evidence of this document having reached the USPS facility as stated. 
It is my belief that Roundpoint Mortgage is deliberately delaying the disbursement of these funds in order to utilize the $ XXXX+ for financial gain, and every day that we are without these funds we are delaying necessary repairs to our home.
Hello, I am currently on XXXX XXXX as a XXXX in the United States XXXX with service in XXXX XXXX XXXX. 

I was selected to represent the U.S. Government in XXXX from XXXX XXXX to XXXX XXXX. 

Conditions were austere and I had very limited access to electricity, the telephone, or the internet. 

Prior to my XXXX I was in the field in a secure environment, for over 30 days, with limited communications, I then XXXX to XXXX in order to facilitate the building of a relationship with a key strategic partner. Unfortunately, I had a XXXX dollar charge on a otherwise zero balance credit card, I have never missed a payment in my credit history, and it lapsed for 60 days. I was unable to receive notification of the debt, nor did I have the means of paying the XXXX dollar balance, due to the austere conditions of my XXXX. 
I have contacted Citi Bank on multiple occasions, providing them with documentary proof, and have been ignored, rebuffed, or shunted to the credit agency. The credit agencies then will direct me back to Citi.

My credit score has dropped by about 60 points over a XXXX dollar charge and it effects my livelihood and security clearance. Any assistance or guidance would be appreciated.
Six months ago, around XX/XX/XXXX and XX/XX/XXXX my PayPal account was hacked. The person managed to hack another person to send money to my account and get the money. Since then my paypal account was negative for a period of time till I got calls about the money being owed and eventually got a letter from collections. I tried to contact paypal multiple times to tell them that it wasnt me and that I was hacked. Im hard of XXXX  and have XXXX, so I have problems with communicating with people in real life and sometimes go online to chat and without realizing it I give my personal info by accident. I wrote a letter explaining this to PayPal but I got a letter again dated XX/XX/XXXX saying I had to pay {$1700.00} but they will settle for {$1200.00}. I can not afford to pay this, especially for something that wasnt my fault at all. PayPal is more trouble than its worth and needs to be flagged. They take advantage of a lot of people. I already have credit isssues and Im in the process of trying to fix it but this makes it worse. Please tell me something can be done, I dont know what else to do.
XXXX XXXX I noticed a PAYMENT ADJUSTMENT on XXXX of my XXXX Capital One statements. When I called Capital One, the woman said it was an error & would reverse the charge so I 'd have a XXXX balance. Much to my surprise, the next month it accrued interest and my other XXXX accounts now had multiple PAYMENT ADJUSTMENTS totaling over {$1100.00}. I called again & they told me the payments were returned form XXXX XXXX, over 15 months prior. Capital One can not provide me which account they were returned from although these are MY credit cards & accounts.I had closed XXXX backing accounts in the past year and have no way to access data.
I received a letter from XXXX and telecheck/XXXX XXXX XXXX I was cashing checks from a bank that I do not bank with which is called XXXX XXXX  tried to call XXXX XXXX I wouldn't help me told me that account wasn't on my name or is not existed I promptly send telecheck/XXXX XXXX XXXX a fax of my police report and I called XXXX received a second letter and the information in their system was accurate I will send a police report on XXXX that fix the problem ... but please if you can also assist me
It 's very lengthy. To start my loan was being serviced by XXXX XXXX XXXX, after 5-6 years of trying to get a modification, 2 short-sales, than deed in lieu, we finally decided to do deed in lieu, they offered me {$10000.00} for cash for keys. ( Please note that I had a cash buyer through the short-sale and they ( mortgage company ) would not sign the papers in a timely manner and the people walked from the deal twice! ) After going through months of trying to close on the deed in lieu though XXXX XXXX XXXX ( XXXX ), my loan was transferred to Bayview Loan Servicing. They picked up where XXXX left off on the deed in lieu, but they said I could not get {$10000.00} it would be {$3500.00}. 1/2 when I sign the papers and 1/2 will be mailed to me. After months of going through the same procedures with them I was told the deed in lieu was approved, in XXXX, 2017. I signed the papers in XXXX, 2017 and they sent a notary to the house, they said he would have the check in hand, and I would have to sign for it, he did not have the check. To date I have not received any money from them. I followed all their instructions and they will not return my calls. The last I heard it was coming in the mail. Also I have not received any final papers saying the house was transferred out of my name and back to the bank.
I was sent an email back in  XXXX  that I would receive 10 % cash back from  XXXX  to  XXXX   XXXX  in the form of a statement credit for purchases made on  XXXX . I still have the email saying I was enrolled in this offer. I spent thousands on  XXXX  for  XXXX , because of this offer. I then followed up via chat on  XXXX / XXXX /  XXXX   and was told that I would receive the credit in 90 days  (  on my  XXXX  statement ). I was fine with this and let it go. It 's now  XXXX  and  XXXX  passed with no statement credit as promised. ( I took screenshots of my chat as well  ). I  get on the chat today and was told that it was " investigated by the marketing department '' and that no such offer was on my account. This is now th e THIRD time I  've enrolled in these offers on my page that have not been credited as promised. I am now extremely fed up wit h American Express  and once my credit card is paid off I will be canceling it and I will never do business with your company again. This is extremely unethical and I 've now found numerous forums with people having the same issues as I am. Do n't offer " offers '' at all if you ca n't honor them!
After suffering an incident of identity theft, I placed a fraud alert on all XXXX credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to the reporting agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : EQUIFAX:XXXXX.2016 and XXXXX.2016
As a struggling single parent with student loans from Navient/ XXXX XXXX XXXX XXXX contacted the the loan agency to find out how I could repay the loans. They guided me to to get a forbearance on my loans. So I went with their advice and years later my small loan is now almost XXXX. I have been receiving calls after calls for payment, and a few months back I tried to set up an arrangement and it was going to be 30 a month and the balance when paid in full would be XXXX this is absurd. I like so many have good intentions to pay but this is outrageous.
I recently opened a Suntrust checking account with the " XXXX XXXX XXXX Debit Card '' that offers a sign up bonus " Earn XXXX bonus miles after your first PIN Point of Sale or signature-based purchase ''. I completed the requirement on XX/XX/XXXX with {$1.00} purchase at " POINT OF SALE DEBIT XXXX XXXX WA ''. I've reached out the Suntrust through messages multiple times and still have not received the XXXX sign up bonus miles.
To whom it may concern : This is a formal notice of dispute regarding information that XXXX XXXXXXXX XXXX sent to XXXX and EWS, a consumer reporting agency. 

The following false information was sent to XXXX and EWS : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner.

This information was disputed with XXXX and EWS on XX/XX/2017 ; however, XXXX XXXXXXXX XXXX verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 

XXXX XXXX XXXX reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

XXXX XXXX XXXX did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX and Early Warning Consumer Serivces. 



Sincerely, XXXX XXXX
XXXX Trans Union and XXXX are continuing to report inaccurate information. This collection with XXXX should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.
I faxed Equifax on XX/XX/XXXX17 and they have not responded back with an explanation on why they have inquiries on my report that i did not authorized.
Hi, I am looking for some help or answers. I have a car with local finance company. I have had car for about 2 years. XX/XX/2015, I had to go though XXXX and a XXXX in XXXX and still recovering. Unfortunately since ca n't work I have fallen behind on loan. The company has now again for the third time called my parents no I am not a minor, they have called and told my parents directly that I am behind on loan, amongst other private information. Today they again called my parents BEFORE calling me even first today ... my mom called me and said they had called her telling her I was xx amount of days late, that I did not have valid insurance, and they were coming to repo the car today or tomorrow. I am very upset yet again they have called my parents and revealed personal information. What can I do here ... .anything??
In XX/XX/XXXX I was so racy by XXXX XXXX and was given a written agreement of repayment on my loan which I have done each month. I got a call in XX/XX/XXXX 6 month after I started my written agreement stating that they done give written agreements but j have one that was emailed to me from there company which I faxed and have fax confirmation for this on XX/XX/XXXX. XXXX XXXX the supervisor then called me after i called XXXX   and she did not return my call. I was told they needed to increase my monthly payment in keel rhe account inhouse?? No reason was given for this increase. XXXX XXXX had always been very helpful to me about this and I had made my payment in time each month. I was first told my a XXXX XXXX that's the minimum payment was XXXX  and not {$100.00} and they would take me to court due to I was not making full payment To keep out of litigation. XXXX XXXX   told me he did not know who this man was but he gave me a fax number to there office. I asked for a new written agreement showing the XXXX a month payment plan he wanted me to start he refused and would not give me a reason for having to break this written agreement that was made with ne and XXXX XXXX XXXX XXXX. I was not informed why they needed to increase my payment. U had a verbal sk called recorded agreement with XXXX XXXX and a written agreement was emailed to me from XXXX XXXX which I provided to him. XXXX XXXX  told me they do not do written agreements at this coompanh but I have one. I agreed to the increase I have not broken my agreement but i should be able to have a amended agreement which they will not provide me. She just told me last week I twas okay j could mail my payment in on the XXXX instead of the beginning of the month because I just had XXXX XXXX on XX/XX/XXXX. But now she womt return my calls.
I would like to place a complaint against CHASE bank. Our house has been in default since XX/XX/XXXX. We initially owed only {$5000.00} and the bank started to refuse taking our payments each mortgage payment which were sent were returned. We have tried since that time to work out a loan modification with Chase Bank who is our loan provider and we are now in XX/XX/XXXX we have been battling for the past 7 years with the bank for a loan modification and have spent money on various types of agencies and have gone to also various non paying agencies as well in trying to come up with a loan modification solution. We still yet are waiting for a positive response toward a modification offer by the bank. Each agencies that have tried to help us after a year have given up and we are here still fighting. Each year there is a crisis that erupts in the family when the bank establishes a sale date for foreclosure and we go round and round trying to get it postponed and start again the same process all over again. Our family XXXX suffers from chronic XXXX XXXX XXXX, I ca n't even explain the impact of this situation on our family. We do n't know what to do, we have gone even at one point tried to declare bankruptcy to avoid loosing the house. We see others that have faced the same type of issues like us and have gone ahead toward a modification with their bank and us for whatsoever the reasons we still have not yet obtain an answer from the bank after all these years. All my mother 's savings all her life 's work have gone into purchasing this home. She is now retired and should be at peace but it is not possible because of this situation. Her work situation of course is not the same since she has now retired but she has support from us her daughters and renters in the house she is able to pay if the bank would finally come up with a modification for us. We need help because we do not know where to turn at this point of time.
I received a letter from  ARS National Services ,   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , ( P )  XXXX , ( F )  XXXX  regarding a debt that they state I owe. I sent a letter requesting information verifying the debt, including proof of the debt, the date of the last payment and when the debt became delinquent, copy of the last billing statement and if they are licensed to conduct business in the  State of Illinois and provide the name, date, license number of the state agency issuing the license. I received   what appears to b e a Excel spread shee t with what appears to be information that is not in a billing invoice format containing any information requested to verify the debt.
I had a vehicle repossessed by XXXX XXXX. The account number was XXXX. The remaining balance was {$71.00}. In XXXX XXXX XXXX reported that balance to the three credit bureaus. But when I attempted to pay it XXXX month later, they wanted {$510.00}. It is obvious someone thought that collecting only {$71.00} wasn't very much..so they jacked it up XXXX percent because they had me on the hook with this small balance showing an open collection. 

The Fair Debt Collection Practices Act. Section 808 ( Unfair Practices ) ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

This is a VIOLATION OF FEDERAL LAW
Receivable Recovery Services , LLC. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Recovery Services , LLC. The only correspondence that I received was a billing statement, in which the amount is different than what is located on my XXXX, XXXX, & XXXX credit report. This item does not qualify as verification per FCRA. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Recovery Services , LLC. is practicing UNJUST ENRICHMENT.
Yesterday I received in the U.S. mail my annual " FREE '' credit report from " Equifax. '' On " Page XXXX of XXXX, '' under the " A Request For Your Credit History '' column it states that some unknown company named : " XXXX ; XXXX XXXX XXXX ; XXXX, MD ; XXXX ; Phone ( XXXX ) XXXX '' made an unlawful access to my " Equifax '' credit file on " XXXX/XXXX/2016 '' which is unlawfully noted on my " Equifax '' credit file. I have NOT applied for a credit card, etc. in over 3 years. This is NOT mine. I am a victim of Identity Theft.
XXXX XXXX has continuously called me every other day for some other name that is not me. I notified him today after the XXXX call to please cease from calling me
I 'm asking you to please investigate Equifax credit reporting agency I have sent them countless dispute letter via certified mail asking them to please send me copies of of any of the original documentation required under the section 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) a consumer contract with my signature on it and Section 611 ( 5 ) A ) OF THE FCRA they are required to promptly delete all infoation which they can not be verified the law iis very clear as to the civil liability Equifax has updated all the account that I requested This is a federal crime and Equifax is in serious Violation I 'm giving them the chance to send me the required documents or else I will file suit ... .. I asked if you could please ask Equifax to fax over the req documents as I requested OF THEM!! 
XXXX XXXX ACCOUNT WITH DIFFERENT ACCOUNT NUMBER XXXX XXXX XXXX XXXX CLOSED ACCOUNT XXXX ACCOUNT XXXX ALL NONE ACCOUNTS HOLDING INQUIRES OVER 30 DAYS
Requested a verification of the debt and did not get one. Instead i get a negative remark placed on my credit report for late payment. I never owe this company and it is unfair to place a negative remark on my credit report without verifying the debt. My credit score was impacted by this.
In XXXX, after 20 years of employment with the same company, my wife was laid-off due downsizing. She had several credit cards at the time and I was listed as an authorized user on some of them. I was not the OWNER of any of the credit cards - I was only an AUTHORIZED USER. My wife was successful in finding another job but the pay was 1/3 of what she was making before she was laid-off. For over 3 years, she tried to keep up the payments on her credit cards by drawing money each month out of her retirement account. Unfortunately, in XXXX of XXXX she had no choice but to declare bankruptcy because she had used up her savings and retirement dollars. After she was discharged from her bankruptcy, I began receiving certified/registered letters from XXXX demanding that I pay the balance on her credit card. I explained to them that I was not the owner of the card, but simply an authorized user. I asked them to send me proof that I had signed the cardholder agreement as a responsible party. I received a letter from them stating that they did not have the proof that I was a responsible party on the account. I explained to them that until they could furnish proof that I was a responsible party on the charge card that I was disputing the validity of the debt and respectfully requested that they do not contact me again. To date, they continue to harass me requesting payment and have now sold the account to a collection agency that is demanding payment. My wife talked to the attorney that handled her bankruptcy and was informed by her that I am not responsible for this debt. I am requesting that the harassment for payment on this account be stopped and that the negative information they have reported on this account to the credit bureau be retracted.