WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from the FTC regarding a pending lawsuit between them and Ameritech Financial. I tried contacting Ameritech directly but was unsuccessful. I have been making monthly payments to them for almost two years! I am very confused on what steps need to be taken.
Disputed the debt but they never investigate it. in less then 24 hrs  they coming back to tell me that its correct i have try to dispute it numerous of times that they are saying they will not investigate it. and send collection letters and threatening letters.
My ex husband used my personal information to open this credit card account without my permission. Once I found out about the card, I attempted to maintain it and make the minimum payments but struggled doing so. 

XX/XX/2017, I closed the account due to high interest and set the payments on autopay. Somehow, the autopay payments weren't being received resulting in several late payments on my credit. 

Once I was made aware of the derogatory status, I got caught up on the payments and as of the past couple weeks, I've paid the account off in it's entirety. 

Though, I did my best in maintaining this card, the fact remains that it was opened fraudulently without my permission.
As of XXXX XXXX/XXXX/16, they have called me 4 times today, twice yesterday, once the day before.
I have not received any type of notice or communication from this debt collector in order to vaildate this debt that I supposedly have
Hello, Thank you for giving time reading this. 

I have paid off my entire debt with Chase Bank but at the end they have charged me an interest fees which they shouldnt as I hav paid off my credit on or even before the due date. 

I have called them and they said we can not remove this. 

Its an abuse and please help me. 
I paid on the due date of XX/XX/XXXX ( they posted it on that date ) And the due date is XX/XX/XXXX amount of {$87.00} I called them today as I have received the statement with this amount XX/XX/XXXX. 

Thank you for your help
I sent Cavalry a Validation / verifying letter to Validate a debt they say I owe. I ask Cavalry questions about this debt. Cavalry received this letter on XX/XX/19 via USPS Priority Mail. I sent this letter under section 809 of the Fair Debt Collection Practice Act on validating / verifying debt. Cavalry under section 809 of the FDCPA should cease collection activity for 30 days or until they have sent me information validating this debt. Cavalry fail to do so by sending me a letter dated XX/XX/19 without any information verifying this debt is mine. In addition, continued to attempt to collect on this debt. That is clearly violation of my consumer rights under the FDCPA. They have place this debt on my credit report without Permissible purpose under 604 under the FCRA. I have not given Cavalry permission to invade my credit report and use my credit report as a tool to collect on a debt they can not prove that I owe. Cavalry XXXX XXXX XXXX XXXX, NY XXXX. Thank you in Advance.
Robinhood attempted to debit {$1000.00} from my banking account - I did not deposit the money in time which resulted in it being reversed- - the {$1000.00} was debited to my account on robinhood - I traded the money - they then took back the {$1000.00} from my portfolio balance - my account is now disabled although having a positive protfolio balance- I can not purchase, deposit or withdrawal money - I have contacted them and received canned rsponses
XXXX XXXX XXXX and Select Portfolio Servicing ( SPS ) were the mortgage holders for my loan. I have a previous complaint against SPS ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments. 
The attached credit report pageXXXX of XXXX ( which is a part of a full Mortgage XXXX ) number XXXX show that I had XXXX 60 day lates on this mortgage which are erroneous. 
Firstly, enclosed is a mortgage statement for XX/XX/2014 that shows that there are no late mortgage payments and no late fees due, payment confirmation XXXX/XXXX/2014 no late fees, statement of XXXX/XXXX/14 showing no lates, XXXX/XXXX/14 payment confirmation no outstanding late charges. Therefore there are no late mortgage issues. Therefore : there could not be a 60 day late for XX/XX/XXXX and XX/XX/2014. 
I have applied for a mortgage and have been told the above error in my credit report is preventing me from obtaining a loan.
Company : Wells FargoSchool : School XXXX XXXX XXXX, XXXX applied for a Six-Month forbearance on my student loan in XXXX or XXXX of this year, when applying the associate I spoke with informed me that if my financial situation had n't improved by the end of the forbearance period I would be eligible to apply for an additional forbearance of six months. 
I 've struggled with XXXX that have inhibited my ability to be as productive as possible since graduating college in XX/XX/XXXX. I 've been employed off-and-on during this time. First at a local hardware store, then, after an internship opportunity in XXXX that I allowed to slip because of my illness, and a period of unemployment and even XXXX XXXX ; at a local ski shop. Exacerbating this is my total debt : upwards of {$230000.00} and growing daily. I 've finally reached a point where I feel I am making some sort of progress, working with my doctors and my family ; however, these sorts of psychological hardships are completely ignored by ALL of my private financiers. 
When the six months were up ( this XX/XX/XXXX ... Bill due XX/XX/XXXX ) I immediately called Wells Fargo customer service to begin the process of applying for an additional forbearance while I continued work on my career outside of retail. The representative I spoke to was apprehensive at first, saying something about XXXX payment required -- when I explained to him that the employee that I spoke to in XXXX had assured me I 'd be able to receive the additional forbearance he said something to the effect of " Oh yeah, that 's right, you need to call back closer to your billing date, though. " I assumed the information provided to me by multiple customer service representatives at Wells Fargo was correct and I waited until the day before my bill was due to call them to complete the application process. What happened next was astounding. 
Every single representative apologized, the information I had been provided previously was incorrect, there was nothing they could do, my bill was due the following day. I struggled for hours -- being punished for misinformation provided by their own customer service representatives seemed less than fair, possibly criminal. 
I have no doubt in my mind that the customer service representatives at Wells Fargo are trained in subterfuge, to delay these sorts of requests until it 's too late and then to completely shut down any hope of delaying billing. 
We 've began the process of loan modification but we 've been informed that our bill is still due, I 'll be forced to make below-minimum payments and to deal with possibly months of harassing collection calls. 
As someone already suffering from a handfull of XXXX illnesses the thought of surprise default or even just continued deceit can be quite literally crippling. 
I would never have signed up for higher education, had I known at XXXX ( when I was still asking permission to use the restroom in highschool ) this would be the cost.
I recently filled out the required forms to transfer IRA CD 's from Discover Bank to a different bank. The instructions that were sent to Discover Bank instructed them to perform these transactions " at maturity ''. They liquidated the accounts immediately ( XXXX XXXX, 2015 ) and an early termination penalty was charged. Since that time I have called Discover multiple times and the fiasco is still not resolved. This is after working multiple days with a supervisor, XXXX, at XXXX. Discover Bank has VERY POOR customer service and does not properly train and supervise their employees. Thanks for nothing XXXX for your association with Discover Bank.
Citizens Banks has engaged in a pattern and practice of lending consumers " overdraft '' lines of credit at exorbitant interest rates to its customers with no notice of such loans, and no prominent disclosure of the interest rate at which such loans are made. Citizens then lets the loans languish while the consumer has more than enough funds to pay the loans off. Citizens has been able to do this by encouraging the use of " paperless '' statements. In my personal experience this has happened on several occasions to the point where I finally cancelled the overdraft feature of my account in XXXX of XXXX. I was certain I had paid the full outstanding amount of any overdraft loan at that time, when approximately two years later I learned that I had yet another overdraft outstanding balance from XXXX. I have been caused to pay {$1000.00} on this {$2000.00} loan in the course of two years when I easily could have paid it off. I am on the phone now with Citizens Bank ( have been on hold for one hour ) and they are telling me that I have to GO TO A BRANCH to pay the overdraft loan when I have {$34000.00} in my account. I need to pay the {$2000.00} immediately because I am applying for a mortgage and will suffer irreparable harm if I am preventing from doing so. I believe Citizens is intentionally making the repayment of such amounts so they can continue to profit from the unfair, onerous interest amounts they charge consumers.
XXXX XXXX has tagged me with a phantom account and reported it to XXXX, XXXX and Experian. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with XXXX, XXXX, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on XX/XX/XXXX.
Navient account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX info XXXX XXXX  XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.
I had loan forbearance on loans I took out in XXXX through most of XXXX XXXX. Upon finishing my XXXX in XXXX I paid off the entire loan. Then, beginning in XXXX, Navient claims that some money was left on the loan. When I called to ask, they said that interest might have accrued on the loan in between when I looked at the amount due and when the loan was paid. But they were uncertain what had happened. When I looked, that was not the case. Interest was added on the last business of the month, and the loan was paid on XXXX XXXX using the total amount due on XXXX XXXX or thereabouts. I asked Navient to have someone look at this for me, but they have not contacted me about it in three weeks. In order to avoid default, I paid the {$100.00} that they said I owed. But I would like to get that money back if possible.
I have an account with Coinbase. On XXXX XXXX, 2017, I sold XXXX for the amount of {$1100.00} ... I have yet to have this amount credited to my account ... it is still pending. Today is XXXX, 2017.
I was advised to contact you all regarding a XXXX XXXX account on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report.
This formal complaint is against Nordstrom Credit Card. I have never ever been late on this Nordstrom account. 

Between XXXX and XXXX XXXX, I specifically visited and purchased numerous items from Nordstrom XXXX in XXXX, Texas where I reside. I was specifically going out of the country for 3 weeks and specifically asked an Assistant Manager by the name of XXXX, in person at the cashier stop if returning items where sufficient to meet the minimum payment due. Her exact response to my face was " yes, it XXXX take XXXX hours to process the refund. '' The amount of the refund was MUCH GREATER than the minimum payment due for XXXX payment, thus I comfortably left the Nordstrom XXXX store with return receipt in hand knowing a much greater minimum payment in a form of a credit due to returns would be applied to the card. 

Since this date, Nordstrom has violated the Fair Credit Reporting Act XXXX FCRA XXXX for erroneously reporting negative information directly due to their employee telling me facts which were wrong. 

They should see the history of the entire account since inception and see I am an exceptional customer, continuously purchase from Nordstrom and Nordstrom XXXX for years and absolutely ALWAYS pay on time for years. 

I have retained counsel and before we file a lawsuit, my lawyer suggested a complaint be sent to the Consumer Finance Protection Bureau, the Attorney General Office here in Texas and also the FTC. As of XXXX, XXXX XXXX, XXXX, all 3 complaints have been submitted. 

I am giving Nordstrom until XXXX XXXX, XXXX to completely remove the late payment from my Credit Reports due to their employee error and so they immediately stop violating the FCRA and causing willful damage and costing my much higher rates now and in the future with other creditors '. 

Thanks for your time. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I recently have ask you to show me permissible purpose that I allowed many of the creditors that you are reporting hard inquries on my report to be allowed to report the inquiry under the Fair Credit Act. I 'm asking you to show me, full documentation that the inquries belong on my credit report. Not a response with an answer of you believe that it was permissible purpose. The credit report showed a credit inquiry by a company ( s ) that I do not recall authorizing. I understand that you should n't be allowed to put aninquiry on my file unless I have authorized it. Please have thisinquiry or inquries removed from my credit file because it is making it verydifficult for me to acquire credit.
I am an elderly woman trying to get my loan caught up, trying to get a modification for the last 12 months with Wells Fargo. Every week they ask me for new stuff, after I send everything they ask. All of this faxing and overnighting paperwork has been very expensive and very hard for me. I have also spent over {$200.00} getting profit and loss statements from my son 's accountant, but they keep asking for more. I do XXXX sales as a side business to generate income besides my fixed income. I am only trying to save my house and they are making it XXXX. Here is the email last week I got from Wells Fargo asking for documents and I ca n't even believe it. My son wo n't be back for 2 weeks and I do n't know how I am going to find a ride all around town to get all of these things, when what I have already sent should have been plenty! I need some help Wells Fargo will not help me! 
Email from XXXX XXXX at Wells Fargo dated XX/XX/XXXX : ***MISSING INCOME DOCUMENTS** 1. Contact from borrower directly to obtain verbal clarification that she is requesting a modification. - MY XXXX TOLD ME THE RMA ALREADY SUFFICES AS PROOF THAT WE ARE REQUESTING A MODIFICATION, AS WELL AS MY HARDSHIP LETTER 2. Completed Request for Mortgage Assistance to be signed by the borrower at a Wells Fargo branch office and notarized by a Wells Fargo employee. This signed RMA must be faxed directly from a Wells Fargo Team Member in the branch. - I AM XXXX. THIS IS AN UNNECESSARY DELAY! 

3. Transaction history for the past 3 months for business transactions. This must be provided directly from XXXX. 
- I DO N'T EVEN KNOW HOW TO GET THIS! I CA N'T CALL XXXX TO HAVE ANYONE SEND IT DIRECTLY ... I DO N'T KNOW WHAT TO DO. MY COUNSELOR SAYS THIS IS NOT NECESSARY BECAUSE I PAID MY ACCOUNTANT EVERY TIME THEY ASK ME FOR A NEW P & L AND THAT DOES N'T WORK, NOW THEY ARE ASKING FOR THIS! 

Please help us. My counselor has tried very hard to help me get through this but we keep hitting a roadblock. I give my formal consent for Wells Fargo to speak with XXXX XXXX or XXXX XXXX at XXXX XXXX XXXX regarding this matter, I am attaching it in writing also as well as my ENTIRE packet of documents that were ever submitted to Wells Fargo. Thank you.
Im want XXXX XXXX XXXX XXXX to be disputed and to be taken off my credit. I didnt leave a negative balance as shown in the bureaus in the year of 2008 and its just sitting on my credit causing it to be poor. It has been 7 long yrs now and i want it removed.Thanks for your time.
In late XX/XX/XXXX I had my wife removed as an authorized user from my Navy Federal credit products. Navy Federal is still reporting that account with late payments from XX/XX/XXXX to my wife 's credit. No response has been received from Navy Federal.
When the lease on my BMW X3 was coming to the end I met with BMW of XXXX dealer and negotiated all the financial obligations on my part related to the end of the lease agreement. As such I paid them negotiated amount of money.Thereafter, I turn over to a dealer my old car and I have negotiated a new lease agreement for a new car- I signed a new lease on XX/XX/XXXX. Subsequently on XX/XX/XXXX I received an email from a dealer informing me to come and pick up permanent license plates ( see Attachment ). When I arrived to the delaership I was told that I would not received my license plates until I pay them {$580.00}. In fact, XXXX XXXX XXXX, a dealer informed me that this amount {$580.00} I own to BMW FinancialServices for end of the lease charges XX/XX/XXXX ; that was when I returned my previously leased car from BMW of XXXX. At that point, I told the dealer that I have not received any demand for payment from the BMW Financial Services since I leased my previous car in XX/XX/XXXX. As such, I strongly objected to the dealer '' s demand for payment telling him that this is an extortion to demand from me to pay for unsubstantiated claim from 2013 year.In addition, I asked the dealer why he did not mention that I had any outstanding balance with the BMW Financial Services when I had negotiated a new lease. In response the dealer said, that he just recently learned from the BMW Financial Services that I owned them money. Again, I asked him to show me any document to proof that i owned money to BMW FS but he did not have any such document.At that point, I left the dealership without paying any money. Shortly after, I received an email from the dealer demanding {$580.00} to be paid to BMW Financial Services ( see email ). Because my temporary license plates were closed to expiration date, I went back to the delership and they accepted my payment of {$400.00}. In my opinion this is unprecedented that BMW Financial Services had fabricated that I owned them money since XX/XX/XXXX. I have not seen or receive any documents from BMW Financial Services showing that I owned them any money.
In XX/XX/XXXX i submitted a dispute to ALL three credit bureaus. Experian, XXXX and XXXX. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. Experian removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and experian hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. Experian needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report. 
XXXX ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
XXXX replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX ( multiple accounts ) XXXX ( multiple accounts ) XXXX XXXX XXXX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!
Repeated calls between times specified that no calls are to be made. " No Call Time '' : M-F XXXX -XXXX as it was explained to Convergent collections. I have received repeated calls since notification. All calls are recorded on Convergent side. I will be mailing written notification today to them. This act is seen as harassment under the FAIR DEBT COLLECTION PRACTICES ACT.
The collection agency the account was on removed it from my credit report, but when i checked my report trans union still has it as a open account.When i called them she said the collections had not gotten a hold of them, ( which they had ), and that once they did it would take a month for them to take it off my credit report. Why??? I do not understand why it takes 30-45 days to take a account off that never should of been sent to collections in the first place? I do not have a month-45 days to wait.My mom is XXXX and i need to get myself set up in a apartment,
XXXX XXXX initiated XXXX & XXXX were paid in full when I sold my home, not due to any bankruptcy. I have emails and letters proving XXXX engaged in fraud to try to force me into foreclosure in attempt to steal my equity. They lied repeatedly played dangerous games and intentionally harassed me with false statements and fraudulent actions knowing I was extremely ill. They Intentionally Inflicted XXXX. They have no business putting anything on my report they should be under investigation for fraud. 
XXXX XXXX, XXXX : XXXX XXXX XXXX and XXXX purposefully chose to not file a payoff of the loan I had with them. I had to write Senator XXXX XXXX and pressure them a lot to get XXXX to finally file the papers with XXXX XXXX. They did so with great resistance and resentment on their part. I have letters and other proof of their fraud. I complained to FTC as well but like many of the fraudsters during the Great Recession they got off with no punishment. Only consumers were punished. 

I devoted myself to lifetime of ethical service and was like many others grossly abused by the financial industry. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in particular. 

I have many letters, emails and other documents proving their crimes. I complained to many agencies and individuals in power. Wasted precious time and energy when I was extremely ill. During the time of the Great Recession nothing was ever done to punish the financial industry criminals. Do n't expect anything to be done now. At least have the decency to remove the false derogatory comments off my credit reports.
On XXXX/XXXX/2015, I was purchasing a {$3.00} item on eBay. I logged into my existing PayPal account, changed my payment method from " bank account '' to " credit card '', and clicked a green [ Apply ] button. After scrolling through some disclosures, which I assumed were updates to PayPal 's terms, I realized I had just opened a new credit account with a {$1000.00} limit! I do not want the credit account or even a credit pull on my credit history. Also, I received an email from " PayPal Credit '' saying " Thanks for making a purchase with PayPal Credit. '' That is not the payment method I used for the purchase.