WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 at XXXX, I received an call marked as unknown on my cell phone from a woman named XXXX that I had to call her back at XXXX ext. XXXX by XXXX that night regarding the account I have with them. First, this is Advance Capitol Solutions which is a debt collection company that I have NO relationship with. This company needs to stop contacting me immediately and I am filing a compliant with every organization I can to get this illegal company shut down.
I took out a Loan from Cash Central XXXX, Al for {$300.00} sense that time I lost my job and also my medications went through the roof so I was unable to pay the Loan back. Every sense that time I have been receiving phone calls everyday. Not a day pass they are calling me and they always call from a different number so I never know who it is calling. They have caused me to pay out so much money at my Bank, at the time my Bank was XXXX XXXX in XXXX, Al. They have caused me to pay out hundreds of dollars in overdraft fees, money that I could have paid them with but they would not stop trying to debit my account. They call every day starting at around XXXX I am telling them the same thing each time they call me that I do not have any money to pay them now if I did have the money I would pay them each month until I paid them up but until my income increase I am not able to pay them. I am on a fix income and I can not pay them now and I can not tell you when I can pay because I do n't know my self. I am so tired of the harassing phone calls I am on XXXX and XXXX and every day it gets worse and worse and I ca n't keep putting up with them calling every day like this it works on my nerves and it up sets me really bad. I told XXXX people that call me that I would try to pay something next month and she screamed at me and said next month, why next month? I told her I had to see how my bills would run and I could not give her and amount so to how much I can pay. I know even if I could pay them it would not be more than {$4.00} or {$5.00} dollars if that much. They just keep calling and calling every day. They have been doing this for the pass 6 or 7 months and I ca n't take it any longer. My nerves are to bad and they runs my XXXX XXXX up by calling every day. If they were to slow down the calls except to may be once a month then that would be helpful a little but I still do n't know if I would have any money to pay them even then. I can try if I have any money left but I seriously doubt it not right now until my bills comes down. I am paying high bills right now and it is taking all of my money to just keep my house going so that I can have some where to live. It 's not that I do n't want to pay them but I do not have the money now. They ruined my Bank account and I had to close it because of all the over draft fees the Bank was charging me. Each day they sent the debit through for the {$300.00} and some dollars and every day the Bank charged me {$38.00} per transaction, I paid out a lot of money to the Bank for these transactions, money they could have had if they would not have kept trying to debit my account. I am so tired of this and I do n't know nothing else to do except not answer the phone but If I did that I could miss important phone calls from other people I need to talk to. I am just tired of the harassing phone calls. This is not good for my illness. Regardless of what I say to them they still call every day. I just want the calls to stop. I will pay something when ever I can.
I have a credit card with city with a {$10000.00} balance. I have not made any over limit purchases and I made all of my payments on time. The balance was about {$9500.00}. On XX/XX/XXXX I made a payment of {$3500.00}. The next day they lowered my available balance five {$3500.00}. I have a credit card with city with a {$10000.00} balance. I have not made any over limit purchases and I made all of my payments on time. The balance was about {$9500.00}. On XX/XX/XXXX I made a payment of {$3500.00}. The next day they lowered my available balance five {$3500.00}. They told me that it was a coincidence and it was because of my credit score. I made this large payment to lower my debt ratio, but because they lowered my available balance it neglected what I was trying to do.
I received a letter on XX/XX/XXXX from XXXX ( XXXX XXXX XXXX ) stating that they had purchased a debt of {$300.00} from GE Capital Retail Bank. XXXX  informed me that the credit card from which this debt occurred was created in XX/XX/XXXXand that XXXX   purchased the debt in XX/XX/XXXX. I never opened a credit card with GE Capital nor any of the retail stores they cater to. Furthermore, even if I had unknowingly signed paperwork at a retail store with credit information, I never received said credit card in the mail or ever used it nor was made aware of minimum yearly payments. Finally, this whole situation sounds fraudulent since XXXX made veiled threats to sue me and then offered to let me pay a lower amount than the original {$300.00} they said I owed. 

For reference, the GE Capital Retail Bank Account Number is : XXXX And the XXXX Account Number is : XXXX Thanks very much for your time and help ; XXXX XXXX
Macy 's hitting me with XXXX interest charge on my XXXX balance credit card
A Debt Collection Notice was sent to The head offlce of the company I work for by Allied Interstate LLC. 
The head office of my company is not even in the country I live. 
The Debt is for an XXXX account. The amount is $ XXXXXXXXI have never used XXXX or even created an account, so I am positive this debt does not belong to me. This seems to be a Phishing scam by Allied Interstate LLC. Their company history seems to indicate that must be the case.
There is a XXXX collection listed on my personal credit report, I have disputed with Experian and they stated they investigated which is false I took it upon myself and called XXXX and I do not have this account or owe ANYTHING. Please help I do not know what to do now. Experian is n't doing anything about this and this remark needs to be removed XXXX XXXX
Bank of America 's credit card practice is rip-off. my XXXX monthly statement balance was XXXX USD. I had auto-payments feature ON. On XXXX XXXX I paid my balance in Full manually, just by clicking button " Pay '' when I was looking at my statement. On XXXX XXXX XXXX XXXX issued XXXX refund on my card, which made my balance on credit card even negative, but regardless of all mentioned Bank Of America on the last date of grace period charged my checking account again and deposited XXXX the second time, ignoring two things : 1. I have already paid in full. 2. I even had a negative balance. <P/>I found out about that looking at my checking account and immediately called them. The conversation with call center employee entails this complain. she told me that it was MY fault that I paid in full having auto payments on. I tried to explain that Auto payment feature must take into account all payments made by customer and refunds if any, and that it this the way banks like XXXX, XXXX and XXXX XXXX work, but I heard " Based on our policy we will charge full last statement even if you have already paid ''. <P/>I am not a lawyer, but I am positive it is against common sense because it turns credit card to a nonsense product, and it should be against the Law. I experienced overdraft fee on my checking, which must be paid my BofA, but they ignore my complains.
Please note, I have reviewed my entire account and payment history to date, and it seems Ditech have overcharged my mortgage account and made several fraudulent adjustments to my account on several occasions ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Each time Ditech charged me an additional {$2000.00} instead of refunding the original {$2000.00} that was supposed to be credited to my account per the letter from Ditech general counsel. 

After combing through my account several times, the balance owed to me is {$6500.00}. 

Attached are copies of all calculations supporting the balance of {$6500.00} that is owed to me, plus supporting comments of Ditech fraudulent mortgage lender practices.
I applied at Wells Fargo for a {$50000.00} equity line of credit on my manufactured home. Was " conditionally '' approved. Then received email stating they do not do " manufactured homes ''. 

l am finding no one will give me a equity loan on my manufactured including XXXX and XXXX. 

This is discrimination.
I have been trying to have incorrect information Collection companies/debts that are fraudulent and are not mine Incorrect statements that do not match my true history removed Over 31 inquiries that have impacted my score d/t another using my name etc .... 
Fraudulently -- - I have sent Info for removal XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX That should have been enough time to remove incorrect items And return my correct credit bureau scores -- - I  sent letter from XXXX XXXX XXXX For information related to crimes against me
In   XXXX   I purchased a home in  XXXX , MO for {$38000.00}. I immediately established automatic payments to be drafted from my checking account each month with the loan servicing company and was never late or missed a payment. On  XX/XX/XXXX , Chase Mortgage took over the servicing of the loan. Their communication regarding instructions on how to establish payments was not timely and inconsistent. As a result, the  XX/XX/XXXX  payment due to Chase was late. Payments since  XXXX  have all been on time. There was only one late payment and it was clearly due to the transferring of the loan serving company and all of the associated changes that go along with that transition. The fact that Chase 's communication was lacking in punctuality did not help the situation. Despite the peculiarity of the situation when looking at my payment history, Chase reported my late payment to the credit bureaus and I now have a blemish on my credit report that misrepresents my true credit behavior. I have communicated with Chase directly as well as through the BBB and they refuse to reconcile this issue. They are required by the Fair Credit Act to report issues with credit, however they are failing to meet this requirement as this is not an instance of poor credit, but simply a result of a communication breakdown.
My issue is that I have 2 accounts XXXX XXXX XXXX XXXX XXXX XXXX that are this reporting negative credit information and the 7-year rule is in effect. Both accounts in question 1st became delinquent over 7 years ago. I disputed this with all 3 credit bureaus and not only did they not fix the problem, they also didn't properly investigate the matter. Not even the creditors were able to verify what we requested. 

My complaint today is with XXXX, XXXX, and Equifax. Hoping to get this resolved and appreciate your help.
On XX/XX/XXXX, a district court in my state dismissed ( with Prejudice ) a debt collection agencys lawsuit against me in the amount of $ XXXXtheir lawyers did not comply with my discovery request and as a direct result, lost their case. I reached out to the debt collection agency on XX/XX/XXXX to dispute the collections account since the case was dismissed. Not only did they not process my dispute, they stated that they would continue to report to the credit bureaus twice per month. Please help! This is affecting my ability to get approved for credit and to get decent interest rates! Thanks.
Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with XXXX  online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with TransUnion. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with XXXX. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.
I submitted disputes to the 3 credit reporting agencies on X/X/2017 to have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect onXX/XX/XXXXof this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.
We received a past due notice on XX/XX/XXXX from XXXX County Tax Assessors office stating that our XXXX taxes were not paid. We reviewed our escrow account through our on-line account with Shellpoint Mortgage and noticed that the taxes for XXXX had not been paid by Shellpoint Mortgage. I then called Shellpoint Mortgage Escrow Dept on XX/XX/XXXX to inquire about this delinquency and spoke with a representative. The rep stated that the tax bill had been " overlooked '' and that she would put in a request to have it paid. She stated that it should take approx 7-10 business days to process the request and to follow up the next week. I in turn called the County Tax Assessors to let them know. I followed up with Shellpoint Mortgage Escrow Dept today, XX/XX/XXXX and spoke to another representative. She just told me that the company was still " processing '' the request. When I asked about penalties and the delinquency reported to my credit report, she just said that Shellpoint would take care of the penalties and that I would just have to dispute the charges against any credit bureaus. I asked if I could get all of this in writing, but she said no, that all she could do was verbally tell me. I asked the rep several times to speak to someone that could give me more detailed information on how this happened and to expedite the request, but she said there was no one else I could speak to. I am very disappointed in the way that this has been handled and that I will suffer the consequences due to this company 's negligence.
I requested that my bank account with BBVA Compass be closed or at the very least frozen. I wanted to leave this bank initially because they do not have branches in my new state. 
I have been informed repeatedly that they are unable to do either because I would be required to go to a branch and get this done. This does not sound reasonable to me. They insist they have no way to honor my request without my in personal appearance period and that there is no protocol to handle customers who move to a state where there are no branches of their bank. 
Having traveled alot in my life and have held many bank accounts in many states where I was able to close my accounts remotely these answers seem very odd to me. Infact, sound flawed or at least completely wrong. I have requested to speak to the Branch Manager in California where the account was opened but have never warranted a transfer to her extension. 
Please help me get my accounts closed with them. They refuse to honor my request. I have offered to send them a notarized statement ... they say they will not accept it. I have offered to establish a POA with my sister to close this account ... they say I need to be there to submit the POA. I can not win because these people are not practicing ethical banking. Please help me rid myself from them before they completely tank my credit. At this moment they are continuing to charge me bank fees. I will not put any money in their accounts because of their excessive fees and weird posting practices. Now they have me in a negative cycle where they continue to charge me for being over drawn for a particular period ... it could be an every day charge or every 3 day charge I am not certain. I can not look at my account any more I am so disgusted that they have trapped me and are killing my financial health during a time in my life where I really need my good credit history to shine. 
This concerns a checking and savings account. Please note : I could only choose one in the drop down. 
XXXX XXXX
Tuesday XX/XX/XXXX- I applied for a short term installment loan, approved for {$1000.00} but received the terms under which they would loan and they stated an interest rate of over 400 %!! Obviously, I did not go for the loan and they have called me no less than 5 timed since then despite my repeatedly stating that I did not want the loan and replying stop to their texts. 

I am concerned that these people are taking advantage of people who may be less equipped to understand the terms at play. 

Thank you
HERE IS ANOTHER LETTER PROOF OF LIES BY THE BANK XX/XX/XXXX FROM XXXX XXXX FROM THE EXECUTIVE OFFICE RESEARCH REMEDIATION DEPT EXECTIVE OFFICE AND SIGNED BY HIM OR HER IT STATES THEY RECEIVE A STOLEN OR, LOST NOTIFICATION AND ON XX/XX/XXXX THEY ISSUED A CARD ENDING ON XXXX WHICH I CLOSED ON SAME DAY, SECOND LETTER FROM XXXX XXXX AND SIGNED BY HER THAT ON XX/XX/XXXX I SPOKE TO HER AND STATED THAT THE ACCOUNT ENDING ON XXXX AND THAT IT WAS MY STEPSON AND THEY CLOSED THE ACCOUNT ON XX/XX/XXXX AND THAT A FRAUD CLAIM WAS FILE BY THEM AND THEY WHENT AND TRANSFER OVER 50 TRANSCATIONS TO IT ALDO THE ACCOUNT HAD BEEN CLOSE ON XX/XX/XXXX AND YOU HAVE THE PROVE OF THE LETTERS SENT BY THEM SIGNED AS WELL AND THAT WAS DONE. 
1- THE ACCOUN ENDING ON XXXX WAS CLOSED BY THE BANK ON XX/XX/XXXX THAT WAS NOT MINE EITHER AND THEY WHENT AND STATED THAT THE CARD ENDING ON XXXX ON XX/XX/XXXX AND IT WAS LOST OR STOLEN AND CREATED ANOTHER ENDING ON XXXX AND FOR 30 DAYS THEY DID AL THIS CASH ADVANCES AS WELL THAT WAS A LIE. I ALSO NEVER HAD THAT CREDIT CARD AND THE CREDITS REPORTS SHOW THAT THE ACCOUNT ENDING ON XXXX WAS OPENED ONXX/XX/XXXX AND THAT WAS ANOTHER LIE YOU HAVE THE PROOF THAT SOMEONE ON THE SIDE OF WELLSFARGO HAS BEEN LYING AND I HAVE FILED A LAWSUIT WITH THE SETTLEMENT PEOPLE. 

ALL THIS IS VERY SIMPLE ALL YOUR PERSONS SIGNED AND PROOF THAT THEY LIED AND HAVE THERE SIGNATURES AND I HAVE ATTACHED THE LETTERS.
I have a student loan in which I have been done both consolidation and rehabilation but I defaulted again. My check was being garnished as well as my Federal Income taxes have been taken. I borrowed {$20000.00} to go to college. After defaulting on the consolildation it went up to XXXX after failing to comply with that going into default my student loan became {$39000.00}. I admit that I have not taken care of this matter as best I should have But I think my rights as a consumer is voliated when I am told by the Collecting Agency that payment that were taken by garnishment do n't really count as payment because I did not make any voluntarily payments But Van Ru has garnished by pay for over three years as well as my income taxes are being kept. I know that Van Ru is being investigated for charging outrageous interest on student loans. I know that over {$40000.00} have been paid by me either directly or taken through garnishments or taxes. I will like to know why I was told by Van Ru that there is nothing that I can do to ever come out of default with my student loans. I think that is a punishment which is to severe. I will like to know my true total that is owe to Federal Student Loan. I am trying to get out of default with my student loan, I think it is ridiculous to say that I still owe {$60000.00} in student loans when you look at my payments I have paid well over the {$20000.00}. that I have borrowed originally. I have signed up for student loan forgiveness programs and paid but I was told that I do not qualify for any programs to come out of default. There are student loans forgiveness program that are out taken consumers money..When they do not have the ability to help you. But they are charging these outrageous fees. They tell you that it is a money back guarantee. I paid an agency that promised to assist me student loan forgiveness and they just took my money. I understand that I allowed my loans to go into default. But to take my through garnishment and taxes and tell me that the payment are going towards fee charged by the agency and interest. But yet no even making a dint in the principal which is about three time what I have borrowed. How many times am I going to pay {$20000.00} that I originally borrowed. This is wrong on so many level. It is inhumane.
i noticed this account on my credit report and immediately sent a debt validation letter on three separate occasions and this company has yet to respond to my request. i am so overwhelmed because they are destroying my life. i don't know why they are ignoring me, i am trying my best to resolve this issue. I do believe that this may possibly be an account that some how ended up on my credit by accident. i believe i have some rights to confirm that info. which is why i have been doing my part and giving them an opportunity to show proof. but i again am still being ignored, this is unfair to me and my family. i have very important things to take care of this year and i am very responsible but they are reporting irresponsible info that is damaging to me.
I had an online bill payment scheduled XXXX for XXXX, over the weekend I spent my money scheduled out as PNC banking showed it as available, however XXXX they still sent that payment causing overdraft of my account. I online chatted with them and sent them a message requesting they fix this problem and issue a refund, however they declined to do either.