WillisBack/dataset-financial-user-claim huggingface dataset:
I owed Discover Card money and I was having difficulty paying my bills. I was able to pay every month but sometimes it was not the required amount. In XXXX, I paid after speaking with XXXX of their representatives, however, I received a phone call 5 days later to pay the money owned. I find this to be annoying and I stated to Discover Card that nothing miraculous happened in the five days since I paid. I did not get a job or win the lottery. I thought this was harassment and I requested no phone calls. The same thing happened in XXXX and I had to call again about no phone calls and I was told that it was not documented when I called in XXXX. I was told the phone call restriction was put on now. I realized that Discover was not honoring requests for no phone calls. 
Since I was on the phone with Discover, I said I had some money and would like to settle the account and get it off my desk. I was given a settlement for {$800.00} due by XXXX XXXX. I did not have all the money but said I would work on borrowing from my sons because I wanted to finish up with Discover and I could not see any positive changes coming up in my financial situation. I asked for the offer in writing. I asked if I could send a money order and was told " no '', it had to be done electronically. I gave the representative my friend 's fax number and said I would call up and pay as soon as I had the money, if I was able to borrow it, and complete the transaction. I received the fax that day, and obtained the money by the end of the week. I went to my bank ( XXXX ) and deposited the cash on Saturday. I called my bank today and the cash was available and I called Discover Card. I was told that I did not have to call because the payment of {$800.00} was already set up with my bank account at XXXX XXXX. I did not give the authorization for the money to come out a bank account that I used before with Discover. I was using a different bank account to make the settlement payment. I was furious that Discover took it upon themselves to set up this payment at XXXX XXXX without my authority and it very well would interfere with other things I was paying. I asked for a supervisor. XXXX came on and said she was going to listen to the tapes to verify that i authorized them to automatically take out the payment. I said there was no way I authorized it because at the time of that phone call I did not have all the funds and was unsure if I would have them by the end of the month. I called back and spoke to supervisor and was given an " I 'm sorry '' but that was it. I did find out that the team gets some type of credit if they collect and I think this may be an incentive for aggressive tactics. However, setting up a payment without customer 's authorization is wrong. I feel vulnerable since I have used the XXXX XXXX account to pay online and over the phone and this information has remained with them. I probably should close out the XXXX XXXX account but I have other bills going through it and they have not yet been processed. This leaves me in a very uncomfortable situation and I do not see how this can be legal. Thank you.
I have a mortgage account with Wells Fargo. Any payments I make early are not applied to the principal until the first of the month. The payments are marked " unapplied '' and I do not receive any interest credit, as well. Rest assured, they are making interest income on my money. I have had XXXX mortgage accounts with them and it was the same as this is their policy. 
This seems like theft to me and I think it may be illegal, certainly unfair.
Per XXXX XXXX XXXX XXXX, my insurance has paid all but XXXX $ 's of my bill. Med XXXX Solutions has continued to harass me and even filed in court against me to try and collect the full original amount owed of {$19000.00} from service dates XXXX/XXXX/12 and XXXX/XXXX/12.
My name and address is incorrect on my Trans Union credit report. My legal name is now XXXX XXXX my address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
XX/XX/2018 I spoken with a representative in correlation to the amount due at the time before repossession, i offered to make a payment amount that i was willing to pay, the representative from Capital One weren't able to lower the amount and i force to pay the required amount. If not the car would be repossessed. As a working consumer going to work it takes me 1hr from my resident. Also having health concerns and doctors appointment it would've been fair to work with me but Capital One decline. Now i have a outstanding without a car that i can not financially pay for.
I C SYSTEMS COLLECTIONS # XXXXI have a a unverified account from I C SYSTEMS COLLECTIONS. I had previously disputed this account. I have never done business withI C SYSTEMS COLLECTIONS Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
The amount demanded far exceed what I can pay without being completely impoverish. The company refuses to be complient with my needs, therefore no payment plan is reached and no payments are made, driving up the debt exhorbitantly.
I never bought a car from the dealer that financed it using Westlake financial car was never registered to my name It never even was reported to motor vehicle saying that I owned it the dealership stole the money directly from the bank and kept it I only found out that in my credit report I tried to contact the dealer they closed down so I contacted Westlake myself and they told me that someone has the money they lend out I told them I never took the car at all registered it or insured it the dealer himself took the money using my personal information they claim I owe them {$14000.00} for a XXXX XXXX XXXX car that I never owned my personal records will show that I never owned this car or anything related to it
My complaint is with Credit Protection who is trying to collect on a XXXX XXXX account from XX/XX/2011. This account was already removed off my credit report and now has been put back on my report which is illegal. I will report Credit Protection to FDCPA for committing illegal collection activity by adding this back to my credit report.
During the process of obtaining a mortgage, Bank of America sent my personal information to an individual that is unknown to me. My loan processor said in an email that my closing documents, which include sensitive personal information, was sent to an individual that I do not know. I did not agree to let that individual to possess my personal information. My identity could be stolen as a result and I expect Bank of America to be able to protect and prevent that from happening. However, Bank of America was unable to do so and knowingly sent my personal information to an individual that has no prior connection to me. Once again, I did not agree to have my personal information to be sent to that particular individual. I have to emphasize that I do not know the person that my personal information was sent to. That should not have happened, and I 'm extremely frustrated and disappointed in Bank of America 's action.
Experian credit reporting agency refuses to put my home loan history or the existence of it on my credit report. 
My home loan has been in existence since XX/XX/XXXX, and the loan was placed in my chapter XXXX bankruptcy and when it was satisfied in XX/XX/XXXX, they wiped it off my credit report after the 7 year requirement to erase it. The home mortgage loan still has continued on to this day. And they refuse to place back on my credit report. 
Im still making my payments monthly and have never been late. 
I need help to get my loan back on my credit report
I received court documents this morning as a result of a credit card debt with XXXX XXXX XXXX. The amount that is listed on the court documents is about {$400.00} higher than my last statement with XXXX XXXX, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed XXXX XXXX several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with XXXX XXXX XXXX and I am willing to work with them to pay off the debt.
Disputed this collection on XXXX and it was Verified Accurate in XXXX-3 business days on XXXX. 
1. This account was removed before as it is not my account. 
2. I have no knowledge of this account. 
3. I followed up with my XXXX XXXX XXXX who advised I am not in collections and do not have a current balance. 
This debt is frivolous and should be removed immediately. How can an item be disputed and verified in 2 business days? What is the process for verification? What information has the collection agency provided that this collection is valid and in my name? How was I able to have XXXX service if this collection is stating have an over due collection balance of XXXX. XXXX? 
Please remove this debt.
i went to get some medical exams done, xrays, my insurance paid for everything but i got a bill sent anyways, i received a call from the company and i told them that my insurance covered it but they said it didnt even though i knew it did, the collection company set a derogatory mark in my credit score and now it says the debt was PAID even though i never paid for it ... ... 

Creditor Name TSI/XXXX  Account No. 
XXXX Original Creditor MEDICAL Responsibility Individual Condition Paid Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Paid collection
I feel that I have been scammed by XXXX XXXX due to deceitful marketing letters. I wrote XXXX promotional checks for purchases that they sent me. The XXXX XXXX was in XXXX XXXX and the XXXX XXXX that I wrote was in XXXX XXXX. The XXXX check had a term of 0 % interest until XXXX XXXX and the XXXX check the promo was 0 % interest until XXXX XXXX. The letters that I received at that time did not have any " Special Notice '' box that they have recently added to their most recent offer letter. Now they explain in that box on the letter that in order to avoid interest you need to pay your account balance in full. On XXXX/XXXX/XXXX I received a credit for the amount of {$48.00} for interest charged for the past 4 months after I called and complained that I felt that this was deceitful and felt I was being scammed. I have now been charged interest on my last statement and will continue to be charged interest going forward on these XXXX purchases which I was let to believe was at 0 % interest. I had always paid in full in the past but I will not pay in full for these XXXX purchases since I was given an offer of 0 % interest until the dates I mentioned earlier and there was no explanation back then on their promo letters explaining that to avoid interest I needed to pay the entire amount in full including the 0 % interest purchases. I find it very interesting that they have now included on their 0 % promo letters this special box and in bold " Special Notice '' since I made the call to complain.
I 'm a victim of identity theft and the company reporting this account is not complying with the FCRA. They have not removed the account or provided any documentation to prove this even belongs to me. US AUTO FINANCE account # XXXX. They are apparently based XXXX, and I live XXXX! I do n't care whether they repo the car or put out an XXXX on the plate # s! I do n't have this car, I did n't open the account, I was never in that dealership, it does n't belong to me! At least XXXX people ( salesman, finance manager and title clerk ) saw the person with the ID and had to have noticed that it was n't me! My car had been broken into years ago and everything was stolen from my car. I did originally make a police report in regards to my vehicle theft. This account needs to be closed and removed from my credit file immediately!
I applied for a modified mortgage back in XXXX XXXX. I sent all my paperwork back in XXXX XXXX and was told I was approved and my final documents would be sent out after my trial period payments were done. When I never received these modified mortgage final documents in XXXX XXXX I called nationstar mortgage to see what was going on. They told me that on page XXXX the notary did n't print her name on the line provided. I asked why I was n't told since XXXX and was told they did n't know. I explained I had even spoken to my representative who is no longer around XXXX XXXX and she said it was all being sent. They advised they were resending the paper work to be resigned. I had to call again stating I still have not received the paper work and was told oh sorry it was not sent. I finally got it and then received a notice one week later saying I owe payment of XXXX from XXXX when trial payments started and my modification is denied due to no paper work ever submitted in XXXX as per a representative XXXX. As of this date I ca n't get in touch with my assigned rep. What am I suppose to do now???
I am a current client of Citi Mortgage and have been since 2002. In XXXX I decided to refinance the mortgage with Citi ( for a second time ). The process was coordinated through XXXX XXXX at Citi Mortgage. I was initially rejected for reasons that apparently had to do with an apartment I was in the process of selling ( mortgage on that apartment was also with Citi Mortgage ). The apartment sold on XXXX XXXX and we agreed to reactivate the refinancing application at that time. 

The process was extraordinarily cumbersome and slow and I began to suspect that there was some form of prejudice involved. I was constantly requested to provide additional documentation and my employer was hounded continually. My suspicions grew out of the unreasonable requests for information, seemingly from the underwriter, that totally disregarded my 15 year history as a client of Citi Mortgage. Essentially, I was subjected to an almost criminal-like treatment. 

I became concerned about the unreasonable length of this application process, especially considering the XXXX data breach in XXXX of this year. I indicated via email to XXXX XXXX of my concerns, noting that I wanted to place a credit freeze on my accounts and needed to close the refinancing as expeditiously as possible. I did not receive an immediate response and, in fact, had to re-send the message before I finally was assured that closing on the refinancing was imminent. 

It was not until early XXXX that my suspicions appeared more based in reality - I reached out to the originator, XXXX XXXX, and even he admitted via email message dated XXXX XXXX ( that he tried to recall ) that he " was beginning to see and understand my frustrations ''. All email correspondence associated with this mortgage application, has been well archived. 

I finally had enough of this unwarranted treatment and withdrew my application on XXXX XXXX. Subsequently, I received phone calls from XXXX XXXX and XXXX XXXX, apparently apologizing. I told them both that I totally disgusted with how I had been treated and how the application had been so grossly mishandled by Citi. 

Given their negligence and apparent prejudice in handling my application, I demanded a full refund of my application fee and confirmation of the supervisors managing the individuals responsible for botching such an utterly flawed application process. 

I finally received a letter dated XXXX XXXX from XXXX XXXX from the Executive Response Unit ( she provided no contact details beyond the return address on the envelope - XXXX XXXX XXXX, XXXX, MO XXXX ). She confirmed that a refund of the {$350.00} was executed " as a customer service gesture ''. The rest of the contents of the letter were totally " XXXX ''. 

I wish to pursue this grievance against Citi and remain steadfast in my belief that they acted in a prejudicial manner. The reference cited by XXXX XXXX in her letter of XXXX XXXX - # XXXX. 

Please feel free to contact me. Thank you and regards
CENTRAL FINANCIAL CONTROL/SYNDICATED OFFICE SYSTEMS HAS A DEBT LISTED ON  XXXX ,  XXXX , AND  XXXX  .THE   DEBT  IS FROM ABOUT 5 YEARS AGO FOR  HOSPITALIZATION  AT  XXXX    XXXX   XXXX     XXXX     XXXX  IN  XXXX   CA.The ac count number is  XXXX  .I unde rstand that CFC has  a    XX/XX/XXXX  CONSEN T ORDER and that my case i s one of  them from   XX/XX/XXXX - XX/XX/XXXX   that  CFC was required  to forgive and send abo ut 100 dollars t o me of the  XXXX  dollar portion of the fine they were required to pay for not doing debt validation notices.CFC HAS NOT DONE THAT and has verified recently with the credit bureaus ... .so they continue the same behavior during the consent order supervision period.
This is a debt that was paid off before I even received services with  XXXX   XXXX  again. ERC says I owe them {$330.00}. This is impossible since I settled with ERC the first time my account was in collection, paid {$100.00} to pay off that account on  XXXX / XXXX /  XXXX  . Which was a true debt. I 've called them many times to try and get this settled, the person on the other line knew it was n't a true debt and always credited my account. Then the {$330.00} would keep reappearing on my account with no end. Now it is in collections for the second time even though I had already paid it off. I have no access ( because of   XXXX    ) to my account with them so there is no way for me to look up anything related to my debt charges.   In the attached documents below, there are payments that add up to {$330.00}. My last payment was the {$100.00} for the debt settlement.
I contacted XXXX XXXX XXXX about my XXXX XXXX card and XXXX XXXXXXXX card I informed them that I went through multiple family deaths within a year and a half & have been unable to pay my bills on time, I wanted to see if I was able to get a goodwill adjustment and what I was told was they would put me on a Hardship program ( which they did ) then after my 1st 3 payments on time they would remove all late payments ( WHICH THEY DIDNT ) I have contacted them to try to get this resolved and they are stating they can not do it now. I just want all late payments removed off my credit report so I can be able to finally move forward and purchase my home since Im finally back on good standing with my finances.
Pinnacle Credit Services LLC is attempting to collect a debt that was settled over 2 years ago. they continue to call me at work even after I have asked them to stop.
calling my house leaving messages with my XXXX year old daughter telling her who they are and what they going to do they do n't have the right to leave messages with a minor and she do n't no what is going on and she is not on my account
This letter is being sent to Jefferson Capital Systems , LLC in response to a negative collection placed on my XXXX and having received no XXXX notice. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This matter was already settled with XXXX XXXX and XXXX removed it from my credit report. See attached letters.
I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over 15 inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with XXXX was compromised and was showing up with me as being XXXX. Equifax had many security breaches and this bureau was assessed along with XXXX. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you
In XX/XX/XXXX, I Filed claims for the unauthorized transactions where Suntrust Bank allowed additional transactions to be charged from the merchant on my account. I filed a subsequent claim and requested a block for the merchant and a written response for the action taken. The fraud case determination was not in my favor and i requested all documentation used in the determination or the case be sent in writing on XX/XX/XXXX. As of today I have not received any further communication on any of my requests, only denial letters which does not provide any new information. I am not responsible for the fraudulent transactions and find Suntrust 's lack of communication on the requests to be an admission of making case determinations without merit.
On XXXX XXXX, 2015 I visited the drive through at First Merit bank in. XXXX. Michigan. XXXX XXXX XXXX XXXX , Michigan XXXX. I deposited XXXX checks totaling {$3500.00}. I asked for {$200.00} cash back. Please see attachment of deposit slip. I put that the {$3500.00} with the {$200.00} cash kept that I was making a total deposit of {$3200.00}. The math is obviously wrong. The deposit was to be {$3300.00}. There is a {$100.00} discrepancy. The math error was my fault. The teller gave me {$200.00} in cash and I was given a total deposit of {$3200.00}. Nothing was said and nothing was corrected on my deposit slip. I counted the {$200.00} given in XXXX twenty dollar bills and drove away. I later examined my deposit slip online and noticed the error. I brought it to XXXX 's attention at First Merit bank. She told me that I was given {$300.00} in cash that day to correct the error. I was not. I was given {$200.00} in cash. I asked her for the bank video and she said that there would be none. She refused to give me my money back. The deposit slip says it all. The math is wrong and there are no corrections on it. I was only given {$200.00}. I certainly would notice if I was given an extra {$100.00}. I know {$100.00} is not a large sum of money and maybe not worth this hassle but I feel cheated to and lied to. This is not fair. Please examine the handwritten deposit slip. I have front and back from my transaction. It is not corrected but it cleared the system.