WillisBack/dataset-financial-user-claim huggingface dataset:
I am the the trustee and my brother XXXX XXXX XXXX XXXX. He gets XXXX a month to live on so, any other bills have to go through me, the trustee. My brother was sued by Professional Finances. I contacted them. First time I called on XXXX/XXXX/2016 I was told that case # XXXX was for XXXX bills but was n't told who, what, or why and it was for XXXX but, they would take XXXX. Then I was told there were XXXX more cases, totaling XXXX but they would take XXXX. I told them XXXX case for XXXX was already ( 10 days would be 4 years ). They said they could n't sue but lead me to believe they could still go after it.not according to nevada law NRS 11.190 ( 2 ) ( a ). I was told that they would take the XXXX on the XXXX cases and I could offer a settlement on the the others. I called back and was told I could make a settlement offer on all of the cases. I called back and made an offer. I was then told that the XXXX that was agreed to earlier was now XXXX and the the other XXXX cases were XXXX ( past 4 years on XXXX ), XXXX, XXXX for XXXX. They said they would take XXXX on it all well XXXX + XXXX = XXXX. XXXX + XXXX ( orginal numbers ) then XXXX + ( -the too old XXXX ) XXXX. When I asked why was I getting different number every time I called I was told it was because I spoke to XXXX different people. How do numbers change? I was told we settled on XXXX then it changed to XXXX. I was told I could make a settlement offer on the XXXX other cases then I was told I could n't. I was nasty because I had to call them 6 times and speak to supervisor and supervisor 's supervisor to tell them my brother would n't be recorded giving me autherization to handle his case. So, my brother called the lawyer, gave the ok, and got around being taped. I called 3 times and got XXXX different numbers and told different things each time and told it was because I spoke to XXXX different people. I want an itemized and told a supervisor that and he said he could n't do that. Why ca n't I have that? I want the numbers justified and on paper. Why ca n't I have that? I was told I could make an settlement offer then I was told I could n't. We had a settlement in place with XXXX case and they changed it. How can they do that?
Alleged outstanding balance paid online using online web pay ( Lowes.com ). Found out about alleged outstanding balance while applying for a mortgage. The alleged amount was paid. In an attempt to not prevent mortgage processing delay, sent an additional sum in the amount if {$470.00} ( with an additional {$100.00} to ensure account finalized ). No efforts on the part of the creditor ( Synchrony ) to investigate the account - they just presented {$570.00} in funds sent to them without investigating anything. I am XXXX military and had not heard ANYTHING at all from this bank despite having other accounts open with them ( to include up to date contact details ). Syncrhony have destroyed my credit for not fault of my own and have prevented me in obtaining a critical mortgage - due to their inaccurate reporting.
PNC assessed a {$40.00} late fee despite being technically paid early. I was paid a day earlier than normal XX/XX/XXXX, and scheduled a payment on that same day, XX/XX/XXXX. This payment ended up being credited on the previous ( XX/XX/XXXX Statement ) instead of the XX/XX/XXXX Statement, even though PNC lists XX/XX/XXXX as the Statement Date ( which is Deceptive, I would assume that XX/XX/XXXX would be the first day, not the last day. ) As a result of this double payment accident I was assessed a late fee. I contacted PNC, and spoke with someone that did n't seem to be able to understand the problem, despite repeated attempts to explain that the problem was that I ended up paying a day early, and that what I wanted was for the payment to be moved up a day to fall in the correct billing cycle and the late fee to be waived. 

I feel that PNC, and by extension all Credit Card Issuers and Revolving Line of Credit Issuers are defrauding the public.
my XXXX XXXX XXXX was fully covered at XXXX  XXXX with a loan. 
that loan was provided with full coverage.the total amount was paid off with XXXX XXXX of XXXX mo.XXXX XXXX  refinanced the loan with full coverage. the motor vechile was hit in a car accident. the car was tottaled. undriveable. this accident was not my valt the other driver was in coming traffic and hit my car. another diseal came up behind my car. the bank repoled my car.at the same time I had XXXX lifetime membership with my car.t this time all companys has been notifed. 
all companys are dening service of insurance.
XX/XX/XXXX XXXX XXXX XXXX filed a complaint with Chex Systems Inc. which resulted in a joint account of XXXX XXXX & XXXX XXXX was closed without notice. My personal account at XXXX was closed also. We were told to contact XXXX and Chex Systems to find out why. At the time the XXXX account had several hundred dollars and my XXXX account had over {$9000.00} all of which was refunded to us. These accounts were in XXXX, Ca. I have not been able to open a bank account since which is an extreme hardship. 
In XX/XX/XXXX, I wrote Chex Systems a letter to have the negative information removed but they refused stating XXXX would not withdraw the complaint. I need to open a bank account now as I have accepted a job in XXXX, Ca. but am unable to open an account which I need for auto-deposit payroll as well as my Social Security! I recently wrote Chex Systems a letter to again request removal of this negative information. I do not believe I should be banned from having a bank account for unknown reasons and have no way to have bad or fraudulent info removed from my credit history! 
Thank-you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX
I received a letter today and noticed that it read a collection account was established under my identity. I have never inquiried or purchase any items from XXXX XXXX XXXX ever. So I am puzzled to why a letter would come in a mail in a form of debt collection on a wireless account. Your company has violated my rights and my credit profile. I wont allow anyone to mishandle my credit profile nor my identity. If I find that my identity was used without my consent which it seems in this case that is what exactly happened. I will contact my lawyer and look to take legal actions against your company. I am determined that I have proof that this is not a debt that is mine. I am unaware of the debt. I will be heading to my County Courthouse first thing tomorrow morning to file a lawsuit. I will not settle nor accept any debt to be placed on to me or my credit profile. I demand that this is investigated and removed immediately upon receiving this message. During the investigation I would like to know the process of verification step by step, I want to know everyone and anyone who will be working on my credit file. I will be keeping a copy of all documents, certified letters, recordings, upon the time of proceeding to the courtroom to settle this error that was placed onto my credit file.
In 2010 I purchased an XXXX alarm system with monthly service. I purchased the equipment and paid to have it installed and paid the initial monthly service charge. However, the system never worked. I called XXXX immediately and they stated that it would cost {$50.00} minimum for a technician to come to the house. I explained that it was a brand new system which their technician had failed to properly install but they refused to waive the charge. I cancelled the service immediately and told XXXX that I wanted to know if I could return the equipment ( which I already purchased ) for a refund but I was told that the equipment was not returnable. I do not have a functioning alarm system. XXXX, unknown to me continued billing me for monthly service. The bills were sent to an incorrect address and so I did n't receive them. When I realized that XXXX was still billing me, I informed them that I did not have any service with them. The debt was transferred or assigned to a third party collector, a New York lawfirm, Walter Lee & Associates, LLC. I have been in contact with the company and they have my current contact information in XXXX XXXX, XXXX, including address, phone number and email, and the company has contacted me successfully through all of these. The collection attorney tried to bill my debit card for the disputed debt, but I have cancelled that card. When they called to inform me that the card was declined I informed them that I disputed the debt and that I would not pay for service I did not receive or agree to pay for ( recall that I cancelled the contract when they would not waive the service fee back in 2010. See above. ) They stated they would sue and it would negatively affect my credit. After consulting an attorney, I decided that having the matter decided through litigation was preferable to paying based on empty threats from Walter Lee & Assoc., LLC. I have requested a copy of the XXXX contract, as well as the relevant billing correspondence and any account summary in Walter Lee & Assoc. LLC 's possession. I was horrified to learn that today, Walter Lee & Assoc. LLC called my sister, who lives in XXXX with her husband XXXX children, XXXX Walter Lee & Assoc., LLC left a message on my sister 's cell phone that I had defaulted on my " debt '' with them. Neither my sister nor any other family member was a co-signer for the XXXX account, or involved in any way with the transaction. I do not even know how Walter Lee & Assoc. LLC obtained my sister 's phone number. I believe the Fair Debt Collection Practices Act prohibits this type of conduct by third party debt collectors. Walter Lee & Assoc., LLC is not, to my knowledge, a licensed attorney or a licensed collection agency in XXXX, which is where I entered into, and CANCELLED, the XXXX contract. I still have not received the contract, correspondence and account documents that I requested from Walter Lee & Assoc., LLC and I would like them to cease and refrain from contacting my family ever again. I have notified them of this demand and that I filed this complaint. XXXXy
On XXXX, 2016 I received a letter from XXXX XXXX XXXX in response to my letter sent on XXXX XXXX, 2016 in which they claim to have received the letter on XXXX XXXX, 2016, which happens to be 17 days from the date sent, claiming to have validated my alleged debt with them. The date on the letter they mailed me stated XXXX XXXX, 2016. This company has violated the law in regards to a response within 30 days total from the date received. The account has already been deleted from my XXXX credit report for failure to respond in a timely manner. It is not my responsibility nor problem that they cant pick up their mail or respond within the legal timeframe of 30 days.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA   XXXX XX/XX/XXXX Fraud Department 800 Loan Department I am writing to dispute the following information that your company provided to credit bureaus.

This item credit inquiries on credit reports is fraudulent, on XX/XX/XXXX because my identity was stolen and i did not authorize my credit to be ran. I am requesting that Nissan have the credit inquiries ( s )  removed from all of my credit reports. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report
Pinnacle Credit Services LLC Company : XXXX Amount : {$3000.00} Acct # : XXXX : ref # XXXX I was informed by a financial advisor there were a few thing on my credit report that should have been closed XXXX included. I called the number I was given by XXXX this morning XX/XX/18 and was informed that Pinnacle was sold to another credit service called XXXX XXXX XXXX ( XXXX ). I settled within a year of my Cancellation of service for {$800.00}. 
I am disputing the amount and would like this removed from my credit report as it is hindering all attempts at improving my credit score. 


Thank you in advance. 
XXXX XXXX XXXX
The lender failed to give me a modification when I am eligible for XXXX. I hired a lawyer and the lawyer agrees with me. The lender, however, is still trying to take my property. Due to the recent denial, I need your immediate help because I do n't know the sale date.
I took this loan out in 2006 prior to the financial collapse and new regulations of student loans. I have since made payments on this loan for the past 3 to 4 years until I have endured financial hardship and am unable to make payments. I requested an unemployment forbearance/deferment but was denied and was told my private student loan offers absolutely no temporary relief what-so-ever despite having paid on time for many years and never requesting a forbearance before. I have contacted several individuals at XXXX XXXX XXXX and KeyBank in an attempt to try to get some help but have been given the run around and repeatedly been given different answers. 
KeyBank should not be in the business of Student Loans. I 'll end up on the streets unable to rent or ever purchase a home because my credit will be ruined all because I could n't make payments to my student loans during a time of pro-longed unemployment. Since KeyBank affords no temporary relief during hardship and private student loans can not be discharged in bankruptcy, I do n't have any options left but to default on this private KeyBank student loan, face collection harassment, and an eventually a collections lawsuit I ca n't even afford to defend. There is absolutely no way I could immediately pay the remaining XXXX dollar balance immediately upon default as lenders demand and harass debtors with. Maybe if banks such as KeyBank would spend more time actually helping debtors find a job so they could actually pay their student loans, the student loan market would n't be in such a mess.
I have checked my account again with BBVA and they show charging me a {$38.00} NSF fee for a check that they have as " paid item check '' when if fact the check DID clear. There was enough money to cover it - according to what I see on MY online banking. I do not understand how they continue to get away with this. I doubt I am the only customer having this issue with them. If I see a balance of {$380.00} and THEY clear a check for {$350.00} - I STILL have a balance of {$39.00} then how in the XXXX can they continue to charge me a {$38.00} NSF for that check - they say did not clear but it obviously did!!! What is going on? How unethical do you have to prove a bank is before someone steps up and does something? Like XXXX XXXX ....?
i have a checking account with bank of america, in My i was hit on my account ( fraud ) for {$700.00}, comanies i never heard about, talkin to my bank clain agent she said yes they are fraud and credetit me with XXXX Thern i got a new debit card and account #, thought i was safe until the beginning of this month. I receive XX/XX/XXXX checks on the XXXX each month, this month i receive it on th XXXX. What ido is pay ALL my bills, even ahead of time except my mortgage, which is done electronically on XXXX. I was hit with fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. for about {$1200.00}. I called the bank and started a clainm, it was denied, they said it dint follow a scammers pattern, so here i an with XXXX tomy name for a month, i have lupus and very serious pain from XXXX that XXXX dr 's can not diagnosis me, this is goin on 2 years. I went to see my branch mgr abd she helped with with a XXXX clain, i have the charges belowXXXX on XX/XX/XXXX for XXXX prepaid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX other XXXX was ther but i know they didnt pay it, i believe it was around XXXX i was making my claim i told the woman that i called these companies and they said i didnt even have an acount with them ... .I called next day to fraud mgr, who told me it was denied, i pleaded and told him im broke, he didnt care, i then opened another dispute claim, havent received papers yet, but i asked th mgr if i couldtalk to the investigators and tell them all i tried to do. They openened a hardhip case and that was denied, i am in pain 12 hours a day until i go to sleep, wake up and pains there, i asked the mgr if i could tak to them and he said no, the case is closed. I found you and i do believe ill be able to have a hearing or someway i could talk face to face ... With all this info i cant see how they turned me down. and most messed thing is they PAID all these companies on XX/XX/XXXX!!!!!!! leavin my mortgage there, next month ill be a month behind, Please help me, all this is the truth..If they pulled my other bill payin they would see my patterm and why would i wipe out my account ... .Thank you : )
Coinbase.com, in the words of a member of their support staff, " is designed for retail customers, and focuses on providing the easiest possible buying experience. '' Coinbase.com differs from Coinbase Pro, which, again in the words of that same member of their support staff, " targets more sophisticated traders, who we hope will bring volume to the exchange. '' Coinbase.com markets itself to retail customers who are often new to cryptocurrency trading. On their website they state that " Coinbase is the easiest and most trusted place to buy, sell, and manage your digital currency. '' However, when buying cryptocurrency on Coinbase.com, customers incur substantial fees. Granted, their fee policies and rates are disclosed, however what is NOT disclosed is that customers can trade on Coinbase Pro, an alternative platform owned by the same company, for 0 % fees for certain types of trades. As a new cryptocurrency investor, I was misled by Coinbase, advertising itself as the " easiest and most trusted place '' that I could use to begin investing in the space. Before incurring over {$450.00} of transaction fees, I was NOT notified that I could place my orders on Coinbase Pro for {$0.00} in fees for limit orders. It is unfair that the same trading options are not provided on Coinbase, which trading options retail investors could use to avoid incurring substantial fees. There is no significant level of sophistication required to understand the difference between a transaction that incurs fees and one that does not. As such, retail customers should be made aware of all options, through both Coinbase and Coinbase Pro, when signing up for a Coinbase account. Coinbase appears to be preying on the ignorance of new investors by steering them into a more expensive trading platform that does not add any value to the customer. Coinbase has rejected my request for a refund of these fees, so I wish to file this complaint in order to promote increased and more transparent disclosure policies so that other new investors are not similarly misled.
On  XXXX / XXXX /17 the debt collector called a family member with out my permission. They also contacted a friend of mine on  XXXX / XXXX /17. AGAIN WITH OUT MY PERMISSION! They should only call my cell, which is the only number first given. The amount for my debt is about 700.00.
Transunion has refused to provide me with information about an Adverse Account concerning my daughter even though I provided a legally enforceable power of attorney.
I came to the United States legally XX/XX/2016. I have a debit and savings account with XXXX. I applied for a credit card and XXXX refused my request. Experian 's credit report presents information that is not mine and is prior to my arrival to the country : many accounts appear in poor condition as well as accounts in good condition. I only have XXXX credit account with XXXX, which appears in the report and it is in good condition. I want to build my credit, I pay my unique account on time and completely, but this situation affects my whole family
On XX/XX/2017 I got an email that a payment had been posted to my Capital One account. in the amount of {$3000.00} was posted to my account. I did not make this payment. I called Capital one and told them I did not make this payment but they could not tell me who did because of privacy issues. Well three days later the payment was returned due to fake account. They told me my account was probably hacked and they were going to use card after payment cleared. They said they were going to mail me a new card. Instead I got a letter they closed my account. I had always made payments on time. They did no investigating to see who did this and would not give me any information to do it myself. Instead they just closed my account and I got a dereogatory mark on my credit score. I told them this wasnt my fault but they did not care
XXXX XXXX XXXX was removed off my credit now its back on my credit and its damaging my credit score with Equifax. 

It was reinserted with no knowledge of information that it was going to be reinserted. I am a victim of identity theft and I advised them of that it was not reinstered on XXXX nor XXXX, but on Equifax. 

I would like for it to be removed
I hired a fencing company in XXXX XXXX to install a new fence. They damaged my landscaping and did not install the fence per our specifications. They were paid 65 % of the estimate but refused to correct the issues for the remaining balance. Another contractor was hired and paid to fix the fence and the landscaping. The fencing company has now sent the balance to a collection agency who has reported this on my credit without any proof that the money is owed. Collection agency was advised of this in XXXX XXXX and again in XXXX XXXX - no further legal action has been taken by the collection agency or the company.
We refinanced our VA loan for the lower interest rate and our loan was sold to Dovenmuehle Mortgage Inc out of XXXX XXXX, IL. I have been calling them for about the last XXXX months every few days with no resolution. I am 100 % XXXX vet and do not pay real estate taxes. I filed the paperwork with Dovenmuehle and they initially acknowledged it, changed my payment and refunded some of my money. A month after that they paid the state an additional XXXX for what they said was a real estate bill ( the state knew nothing about it. ) I called the mortgage company again and they said they would research it, none of their reps can explain or even understand whats going on in my account, they are extremely rude and now my mortgage payment has gone up to more than what it initially was and they are saying I owe them money. I have complained to them numerous times, they wont allow me to speak with a supervisor And their complaint department are the same worthless customer service reps. Also in the process of me complaining they also sent a letter for another customer XXXX and XXXX XXXX in XXXX XXXX, Sc that includes their property address and loan number.
Brite Financial Services- Account opened approximately XX/XX/XXXX. Co-signer on this car loan account. Bi-weekly wages were garnished in the amount of XXXX final payment was made on XX/XX/XXXX, and account has been paid in full but still reporting on credit report. contacted finance company, whom referred me to garnishing attorney XXXX for removal. contacted attorney, who told me finance company has to remove it from credit report. disputed with XXXX  and XXXX  with no resolve. item says it will report on credit until XXXX.
Aldridge Pite LLP an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and XXXX Mortgage has criminally engaged in acts of violence, abuse and harassment physically against the named consumer and her family, household.