WillisBack/dataset-financial-user-claim huggingface dataset:
I subscribed to XXXX XXXX XXXX XXXX, with free Internet Service, for a period of at least 12 years and had made monthly payments and was current on those payments until XX/XX/XXXX. In XX/XX/XXXX, I canceled that service by XXXX phone calls to XXXX XXXX agents and a personal visit to a XXXX store in XXXX, Colorado. I never received a written or email confirmation of cancellation, although I asked for XXXX on each occasion. I was specifically told that an " installation representative '' would make an appointment at my home to disconnect the existing modem ; and no followup ensued. I made arrangements to begin new phone, XXXX XXXX, and internet service with XXXX XXXX in XX/XX/XXXX and made an additional call to XXXX. Another XXXX representative stated that she could find no record of previous cancellation, although I again gave her the specifics. I did the same again in XX/XX/XXXX, when I continued to receive unauthorized bills from XXXX. At a later date in XXXX, I was told by yet another representative that I needed to return the modem to a XXXX retail location, which I did on XXXX occasions. I returned to the same store in XXXX. On the XXXX occasion, I was told that there was " no record '' of my cancellation of service after a one hour wait. On the XXXX a counter representative simply took the modem, entered my name and phone number, and stated : " That 's it. '' I requested a print-out or electronic copy of my complete account, including all service and customer representative notes, and was told that the counter individual was not authorized to provide those documents. 

On XX/XX/XXXX, I received a notice of Negative Information from XXXX consumer information. I immediately accessed the site and found that XXXX had posted negative credit information about my consumer account, had authorized the matter to be referred to " collection, '' and had authorized Diversified Consultants, XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX to file deliberately false and misleading information concerning this account to be filed with XXXX and other credit agencies, specifically that a claim for {$230.00} from XXXX was due and owing. This false information was communicated to a third person, was communicated without regard for the truth or falsity of the information, and was done recklessly and intentionally in order to cause me financial and personal damages and damage to my credit reputation. I intend to sue XXXX, its individual agents, and Diversified Consultants, all of whom have transacted business in the State of Colorado. Claims will be raised in a court of competent jurisdiction under the relevant Colorado Consumer Protection Act statutes and will also include claims for breach of contract and tortious conduct including defamation and fraud. These claims carry with them an entitlement to actual compensatory damages, future damages, and a right to attorneys ' fees and injunctive relief, and will request that any arbitration clauses be stricken. I specifically reserve all rights available under Colorado law. 

Thank you for your assistance.
XXXX had a billing issue when I moved several years ago, and " could n't find me in the system '' despite the fact that I was still a paying customer at a different address. So they submitted a {$90.00} debt ( which I did validly owe ) to debt collections. Got a phone call from the debt collections agency, called XXXX, and then I paid the debt immediately to XXXX, and the whole issue should have gone away. 

Now, 3 times subsequently, the same {$90.00} charge supposedly attributed to XXXX has gone to a new debt collection agencies. Each time I call XXXX, and they claim that they have nothing to do with it. 

I 've contested the collections notice with XXXX and XXXX and they still pop up. 

It 's outrageous, and it 's hurting my credit rating. I have no idea what to do.
We filled out our bank 's short sale/ deed in lieu paperwork in XXXX. We received an offer from a potential buyer in XXXX. Our file has been coming in and out of gatekeeping with US Bank since XXXX XXXX, XXXX. Our attorney has called US Bank every business day from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and there has been no change in status. We believe that the lender delay is merely a tactic to increase the amount of the underlying arrearage so that US Bank may increase their fees. We wonder if US Bank has a record of this type of glacial processing.
found a collection for {$420.00} on my credit report. XXXX has not sent me the final bill i requested in a chat in 2015, XXXX never responded to my requests and i find a collections on my report.
Account opened with XXXX XXXX in XX/XX/2018. Trans Union and XXXX DO NOT show ANY account history of this account.
I have requested from Wells Fargo by Registered Mail proof Of Notice of Default and Notice of Trustee Sale and where it was mail. I never received any of the  following. 

I also requested by Registered Mail before my home went into Foreclosure Proof of the Series bonds back and front. I was talking to some one for weeks about the situation and they was telling me over and over every day for over a month they was getting the information requested. I was calling at least 5 times a day according to my phone records of both my Cell phone carries. It was some weeks over 60 calls.
I spoke to the same man about the situation and I was getting the run around for what I had requested.
Wells Fargo had my address update and sent me a letter stating that they had on file to mail all important mail so why is it I never got a Notice of default or notice of sale.
I also have other issues to my loan documents that I have when I first closed was not all sign and I have all the papers that was giving to me and it 's like 24 sign lines not sign by me left blank. I have discuss this with some one some where else to this situation as well. Wells Fargo has yet to explain all these issues I have a lot of Registered Mail to them going back to these issues at hand about all these issues.
Nothing but the run around or they mail things you do n't ask for and a bunch of papers that have nothing to do with what you ask for.
talk to the office manager in XXXX about how the association would not let me in at my own property. that issue went own I was paying the payment and could not even get in I was told Wells Fargo did not answer the notice that was sent to them. I call and they kept sending me around in a circle about that issue I was told by the manager at the XXXX office I was still the owner it was one lie after another with Wells Fargo My next issue was with the IRS tax lien on the property and it was for {$34000.00} on the property and I was told you can not remove a tax lien by the IRS once place on it.
Upon checking my credit report, I found a collection account from Phoenix Financial Services. 

I have not received any contact from PFS in reference to this matter, either my phone, email, or US Mail. I do not owe any debt, and have no knowledge of ever doing business with PFS.
Last year XXXX damaged a suitcase during shipment. XXXX never paid neither responded my claims. I opened a claim with my credit card company to get reimbursement from XXXX. XXXX never approved the claim of the credit card company. I gave up trying to collect payment from XXXX. Recently I started receiving debt collection notices with collection fee. A copy of the notice is attached for records.
I was informed in XXXX 2016 that I had an outstanding balance for a PayPal credit card and yet had no idea that I had signed up for a PayPal credit card. I allegedly signed up for the account in XXXX 2016 and never used it until XXXX 2016. To be clear, I made the XXXX 2016 transaction thinking that I would be billed to my pre-existing credit or debit card account. 

I called the PayPal customer service representative who told me I allegedly went though a credit application process. He also confirmed that I may have confused their credit application button with their payment transaction button. He also confirmed that PayPal does not ask standard credit card issuer application questions ( e.g. what is your income? ), which would inform the standard credit borrower that they were in fact applying for a credit card. 

The damage is first to my credit score. I have had an outstanding score for my entire adult life, and it 's partly because I do n't frivolously apply for credit. Their hard credit check, in addition to my history of applications for another line of credit, damages my reputation to various critical parties, i.e. renters, employers, future loan issuers, etc. 

I 've gone so far as to ask PayPal to unlink this new credit card from my account as I do n't wish to give them my business. I 've also read that a previous class action suit in Maryland represented several similar complaints.
Have called multiple times to set up payment arrangements will not give any options for repayment or refinancing. Company has lied and said that we were eligible for a repayment plan at one time and then changed it would not let me remove my cosigner on my loan due to me being a good Financial standing.
RECEIVED A PHONE CALL FROM XXXX XXXX AT XXXX XXXX XXXX ON XX/XX/2018. GAVE THE FAIR DEBT " THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE ''. SHE INFORMED ME THAT UNLESS I PAY {$470.00} THAT DAY THE ACCOUNT WILL BE REPORTED TO THE CREDIT BUREAU. I INQUIRED WHERE THIS ACCOUNT CAME FROM, I RECEIVED NO NOTIFICATION OF THE DEBT FROM THEIR COMPANY AND HAD NO CHANCE TO REQUEST COMPLETE DOCUMENTATION/ITEMIZATION FROM THEM TO DISPUTE. SHE GAVE ME AN ADDRESS OF XXXX XXXX XXXX XXXX OHIO XXXX, MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX AND VERBALLY INFORMED HER I AM DISPUTING THE VALIDITY OF THE DEBT, IF THEY ARE TO REPORT IT TO THE CREDIT BUREAU THEY WILL REPORT IT AS DISPUTED, AND AM REQUESTING ITEMIZATION SENT TO MY XXXX OHIO ADDRESS.
XXXX KEPT CALLING ME AND TRYING TO COLLECT MY FAMILY MEMBERS BILL WITH XXXX XXXX XXXX.
I have asked Experian to take all the old address of off of my Bureau report and they have not. I have Rights as a consumer to ask if I have not lived or even resided at the residence. I have been at my present residence for over 4 years and I told them those addresses were wrong, I have disputed them 3 times and sent a formal fax. only 1 address should remain on my report
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I 've been attempting to close my account and have plenty of issues with closing the account by phone. I am not able to visit a branch location to close the account because I am out of the country currently. They continue to charge me a monthly maintenance fee and this is a result of not being able to close the account on time. Bank Of America will not waive those fee 's even though they ca n't close my account.
BACK IN XX/XX/1996 WHEN I SIGNED UP FOR COLLEGE IT WAS THEN KNOWN AS XXXX XXXX COLLEGE. BUT THE NAME CURRENTLY IS XXXX. I SUBMITTED A AFFIDAVIT AND LITERATURE TO XXXX XXXX XXXX   SHOWING WHERE THIS SCHOOL WAS STEALING MONEY FROM STUDENTS AND WAS ORDERED BY THE COURTS TO REPAY THE MONEY BACK, THIS WAS AROUND THE TIME I HAD SIGNED UP TO ATTEND THIS SCHOOL. THEY WERE CASHING STUDENTS CHECKS, FILLING OUT PAPER WORK FOR FALSE STUDENTS TO GET THE CHECKS. I SIGNED MY NAME 5 TIMES AND SUBMITTED TO XXXX XXXX XXXX. XXXX XXXX XXXX IS ASKING FOR A POLICE REPORT THIS TOOK PLACE IN XXXX, ALABAMA IN XX/XX/1996 WHEN I CONTACTED THE POICE DEPARTMENT THEY LAUGHED AT ME WEN I TOLD THEM THE YEAR OF THE INCIDENT THIS DEBT HAS BEEN FOLLOWING ME FOR OVER 20 YEARS NOT KOWNG ABOUT MY RIGHTS AND THE LAW I NEVER KNEW THAT I COULD HAVE REPORTED THIS SCHOOL YEARS AGO, I WAS YOUNG AT THE TIME AND I THOUGHT THE SCHOOL WAS CHARGING ME FOR NOT FOLLOWING THRU AND DIDNT GRADUATE. THIS DEBT IS ALL FRAUD!!!!!!!!! WHEN I GO ONLINE AND LOOK AT MY RECORD. IT SHOWS ME AS A GRADUATE STUDENT FROM XXXX XXXX COLLEGE. THATS THE FIRST INACCURACY I NEVER GRADUATED FROM COLLEGE WHY WAS IT REPORTED THAT I WAS? SECONDLY I NEVER CASHED A CHECK FROM THIS SCHOOL. I SIGNED MY NAME 5 X AND SUBMITTED TO XXXX XXXX XXXX. I AM ASKING THE DEPARTMENT OF EDUCATION TO STEP IN AND ASSIST. I SENT FED LOAN SERVICING CRITICAL INFORMATION I GATHERED FROM THE XXXX, ALABAMA COURTS THAT SHOWS THIS COLLEGE XXXX XXXX COLLEGE STOLE MONEY FROM THE GOVERMENT AS WELL AS STUDENTS AND I ENCLOSED IT WITH MY DISPUTE / FRAUD. I HAVE A POLICE REPORT FOR FRAUD BUT NOT FROM XX/XX/1996 AT THE TIME THIS WAS NOT ON MY CREDIT REPORT UNTIL MANY, MANY YEARS LATER. I HAVE PROVIDED CRUCIAL EVIDENCE THAT THE SCHOOL WAS MISUSING STUDENTS FUNDS AS WELL AS CASHING CHECKS OF STUDENTS THAT HAD WITHDREW. PLEASE INVESTIGATE AND REMOVE.
I have a debt in the amount of {$500.00} for a Capital One Credit Card. I was contacted by XXXX XXXX XXXX and I agreed to pay amount owed if {$500.00}. I completed the transaction via my on bill pay. Payment was completed on XX/XX/18. I was contacted by their collections agent again days later saying I still owed that amount. I explained them to how I made payment and provide the transaction ID and trace number confirmed by XXXX XXXX. Over the past 5 days they have contacted me and demanding me to pay them until they complete their research. They insist that I just " Pay me and then it will be done for sure ''. I asked to speak with a manager and I spoke with XXXX XXXX ( XXXX ) and then XXXX XXXX ( XXXX ). I provided the document from my bank again showing proof of payment. XXXX informed that this document wouldn't matter even tho my bank confirmed this is proof of payment. XXXX gave me two different email address when I asked for and when she did get the email on ( confirmed delivery and receipt ) she read my account number and confirmed it was the same on payment form. I have called to try to resolve but, they give me the run around. I paid the debt, I have confirmation of payment but, no honest results from them or XXXX.
I sent money through paypal to a girl from XXXX. I sent {$45.00} she only gave me part of the deal pictures. She was supposed to give me a show aswell through XXXX but did n't. And continued to ignore me. Her name is XXXX XXXX. The transaction took place at roughly XXXX XXXX cst time. XX/X/17
XXXX XXXX XXXX XXXX account on my Experian credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. Amount {$0.00} with High/Limit {$300.00}. Opened in XX/XX/XXXX Last Balance Date XX/XX/XXXX.
This balance was disputed, as the amount is not correct. Since the balance is not correct, I refused to pay it and requested verification of how the debt was calculated in 2015, but he creditor failed to provide me with verification of the debt, as required by Federal law. Because the debt was not validated, I again refused to pay, until it was validated. The creditor then began to report it to the credit bureaus, but I never received what they provided to the credit bureaus. I disputed it with one of the credit bureaus directly in 2015, but nothing changed, and I did not receive the information provided to the credit bureaus.
I am contacting XXXX today because consumers can no longer purchase their credit score without being forced to sign up for Experian 's monthly credit monitoring subscription. In previous years, I am able to go to XXXX, download my credit reports, and purchase my credit scores in a straight-forward fashion. Today (XX/XX/XXXX ), I see that XXXX of the XXXX credit agencies - Experian and XXXX - are using deceptive marketing tactics to lure consumers into purchasing their monthly subscription when they are thinking they are making a XXXX-time purchase of their credit scores. As a credit trainer for seniors, I am particularly concerned that this vulnerable population will be tricked into paying for a service they never intended to sign up for and possibly not discovering the problem until many months and many dollars later. <P/>With XXXX at least, there is a very, very tiny link at the very bottom of their " get your credit score '' webpage that allows consumers to bypass their credit monitoring subscription to pay for the credit score directly. <P/>Experian, however, does not offer ANY option to purchase their credit score without having to become a credit monitoring " member ''. This was what I was told by an Experian representative when I called for assistance. I called back subsequently to lodge a complaint with Experian 's corporate headquarters but was told by the operator that she did not know who I could/should speak with at the Executive Offices. When I acquiesced to speak with an agent who will take my complaint, I was left on hold indefinitely. I hung up after about five minutes of waiting ... <P/>Please advise Experian ( and to a slightly lesser extent, XXXX ) to cease and desist in using predatory marketing practices regarding credit scores and make them more easily accessible to consumers. One should not have to scour a webpage with a fine-tooth comb to purchase one 's credit score. And consumers should never be forced or tricked into signing up for a monthly subscription of a service they do n't want simply to get their credit scores! <P/>Thank you for taking the time to review my complaint. I hope something can be done. <P/>XXXX XXXX.
While in XXXX, someone gained access to my debit card information and made a series of withdrawals from my account totaling over {$970.00}. Upon returning to the US I discovered the issue and reported the fraud immediately to Chase. They filed a claim and gave me a temporary credit. Three weeks later, I notice that they are reversing the credit from my account without any notification or explanation. When I call Chase they inform me that my claim was denied because ( they claim ) I logged into the website twice between the date of the fraud and the date I reported it. I have no way of knowing if it was actually me who logged in or not, and they have provided no proof. They claim it must be me because there was a login, despite the fact that someone was clearly stealing my information at the exact same time in order to make the withdrawals. Even if it was me that logged in, why does logging in to pay a credit card get them off the hook for losing nearly {$1000.00} of my money? They refuse to give me any additional information or provide a credit to replace my stolen funds, apparently all because of this unproven loophole. I plan to cancel my account and never give any business to Chase again in the future. Clearly this login policy is designed solely to deny valid claims of fraud and save a XXXX dollar company a few XXXX bucks that come of out my pocket.
About eight months ago, I filed an XXXX for a loan modification with Nation Star Mortgage. I have acted in good faith, sending every document that was asked for - then, submitting them again and again and again. 

The breaking point was a letter I received approximately 10 days after a conversation I had with one XXXX. She informed me that I needed to re-submit the XXXX with current dates and signatures of myself and my spouse, along with a " detailed letter '' explaining that she has not worked outside the home in several years. 

I asked XXXX if this will indeed fulfill the requirements.Checking with her supervisor, she relayed the message that it would be. 

The last time I was able to reach a human being ( which is no longer possible with this company ), I asked if the modification was going ahead. The person a spoke with checked, and informed me that it was. 

Today, I received ANOTHER letter informing me that the modification COULD NOT be completed because the STILL NEEDED DOCUMENTS THAT I HAD BEEN TOLD WERE NOT NECCESSARY AND DID NOT APPLY TO ME. 

All the time, I have told these people that I am self-employed by a number of clients, and have provided tax returns ( two years ) as well as the most recent P & L statement. I have done this TWICE. They NOW say they need " 30 consecutive days of pay stubs '' which I DO NOT GET AS A XXXX XXXX. THEY KNOW THIS. 

I was also informed that I must submit an " AWARD LETTER of BENEFITS STATEMENT. '' For WHAT? I get NO SUCH BENEFITS. AGAIN, THEY KNOW THIS. 

Now, I am completely unable to reach a LIVE HUMAN BEING at ANY TIME. I was given the name of a " Dedicated Loan Specialist '' named " XXXX XXXX, '' along with a contact phone number and an extension. This phone, like EVERY OTHER NUMBER the company has, goes to the SAME PLACE - the SAME ENDLESS MENUES with LIMITED CHOICES and NO WAY IN XXXX TO REACH AN ACTUAL HUMAN BEING. 

I have reason to believe this " XXXX XXXX '' does NOT EXIST, which to my understanding, constitutes FRAUD. 

This company has been LYING TO ME, JERKING ME AROUND and causing a WHOLE LOT OF UNNECESSARY STRESS in my life.
all of the above- until recently..funds not recieved. 

acct locked out repeatedly online ATM refusing balance called a NONCITIZEN after staying over 35 years in this country repeatedly before XXXX. 
locking up of XXXX account unlawfully ( 1st ) to lend my money away wo my consent. 
refusal to allow any account access. 
refusal to allow wire transfer of my money to another bank. 
refusal to authorize XXXX charges for over {$500.00}, resulting in XXXX to fix w XXXX ( unlawful unauthorized chargeback ). 
unlawful account closure w less than required time to contact federal govt to change over treasury benefit payment ( 3mos for XXXX, 2 for XXXX ). 

company tried to slander me ... longshot from " did not meet expectations ''. I charge $ XXXX for slander-Im a XXXX XXXX. 

is doing this and worse to several 1000s of veterans and wants us to shut up online about it.
My mortgage company has forced us to escrow our taxes into our mortgage last year and just received a certified tax document stating that taxes were not paid for XX/XX/XXXX. When I contacted the mortgage company, I was transferred from one person to another, each stating that it is paid electronically every month and when I wanted to have proof sent to me, ( cancelled check copy, any kind of copy ), they stated that they ca n't do that. I advised them that the late tax document stated if that it was not paid by XXXX XXXX, XXXX additional penalties will be added on and if not paid by XXXX, our home will be put up for auction proceedings. After going thru quite a few people, I was given the tax dept of the mortgage company and the advisor said that it will be paid within 5 days. I asked why it was n't paid and they advised that " it slipped thru the cracks ''. I can not believe he said that. I told him that I want a copy of payment..this should n't be happening. Now, my home insurance company called and advised me that the same mortgage company called and said that they are going to do the homeowners insurance thru them ... we DID NOT give them permission to do that. We would never drop our current homeowner insurance provider. This has to be illegal!!!! What can we do to protect ourselves against this illegal activity..We pay for the escrow every month along with our mortgage and they are not even paying the taxes..they are keeping the money!
This collection not coming from a credit card company but a collection agency which has sent collection letters for a debt that is not mine and has now taken it to court. 

It does not match with any credit card I have ever had now or in the past!