WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XX/XX/XXXX I received a letter and a check from XXXX for {$5.00} stating they 're sorry they made a mistake you ( meaning I ) had overdraft protection ( which is some kind of inssurance. ) and this is what we owe you. Mind you, this negative report has been with me since XX/XX/XXXX. It has also been sold to " XXXX '' a collection agency who 's claiming I owe them the collection agency over XXXX XXXX dollars for that same account. It has put my good name and reputation in a very tough situation. I am a single dad raising XXXX kids alone and a full time student when I call to inform them I 'll be put on hold for too long I would have to return to class, and their hours are from XXXX which is not at all any resonable time for me and my situation. What can I do who can I go to for a little bit of help. I ca n't afford to pay a lawyer.
XXXX XXXX XXXX was owed by myself for a XXXX XXXX XXXX and a XXXX XXXX XXXX   amounts shown on credit reports as {$13000.00} and {$22000.00} both sold to :1patenaude & felix a.p.c.add:XXXX XXXX  XXXX XXXX XXXX XXXX ca XXXX and 2 : XXXX XXXX XXXX add:XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX is currently showing on XXXX  and XXXX  I ask that they both be deleted a.s.a.p. please respond XXXX thanks
First, let me describe the problem and the abhorrent practices that I believe are in violation of the law. I had to do research to obtain the following information which included obtaining information from the FTC. 

I keep getting repeated calls to my telephone number by the following company : NCC ( Nationwide Credit Corporation ) XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX The repeated calls from NCC have a recorded message ( possibly robo dialed ) for another person to call them, even though this telephone number is not registered in that person 's name and never has been. Further, that person does not live at this address. I've had this number alone for over 32 years. 

NCC leaves only a long distance number to call them which would cost me money. No option to talk with anyone and no toll free number provided as required by law. 

The calls just keep coming, why should I have to pay and waste my money to get a lawless company to stop harassing me when I am not even a party to the debt? 

So I call the FTC & they are able to lookup a toll free number. I have since called NCC and told them that this phone is mine and does not belong to the person they seek ( name provided to them ) & that no such person lives here. I told them to cease and desist. Why should I have to waste my time & be put through all of this nightmare when I am clearly not the person they seek? 

Why are these companies allowed to behave this way? Harassing a person that they know full well is not the individual that they are after? This number is listed and anyone can see that it is not the telephone number for the person that they seek. 

This is abhorrent to keep harassing me without giving me a toll free number or an option to talk to anyone. This is terrorism by telephone and this company needs to be punished for these underhanded, deceitful & unlawful practices. 

I don't feel violated, I have been violated and it's totally uncalled for. Debt collectors are supposed to provide a toll free number if they demand a return call and they have no right to harass the innocent. Hint, my number has a very male name and the person they are after is female. Is this a reading comprehension problem on the part of NCC are do they intend to terrorize everyone with a similar last name trying to get them to pay the debt of another person? This is disgusting XXXX behavior.
Capital bank is reporting my account like I owe them. I want proof that I opened an account with them. They have received my personal and confidential information from XXXX XXXX Bank which is now closed, re-aged and re-opened a delinquent account in my name. They are reporting it on my credit report. I have reported it to the credit reporting agencies and to them they will not resolve the matter or will they supply proof. I will no longer accept a letterhead they typed saying I owe them. I want hard information, contract agreements with my signature saying I owe them because I know for a fact I do n't and it 's not legal for them to report on my credit report. If you were to look at my credit report, you will see XXXX companies with the same bill have an account in my name with XXXX different amounts but same account.
I rented a van from XXXX for two days XX/XX/2018 to XX/XX/2018 using my Bank of America XXXX XXXX Visa XXXX ... XXXX. XXXX XXXX XXXX as a primary coverage for the XX/XX/XXXX rental car and all this agree and documented before I rent the car. On the morning of XX/XX/2018 I was returning the van to XXXX about 10 minutes a way from XXXX I felt some kind of winds kind of lost control of the van, but eventually went of the road manage to control it. However, the van got some damage and it has to be towed. On the day of the incident I paid XXXX the amount of {$170.00} for the two day rental and {$500.00} as reimbursement by XXXX XXXX XX/XX/XXXX when the damage of the estimate is complete. I contact to XXXX XXXX XX/XX/XXXX on the day of the incident with XX/XX/XXXXmanager and provide me information to open the claim. I opened the claim and provide all the document enterprise provide me and XXXX XXXX XXXX requested through the claim. XX/XX/XXXX request to be paid total {$6300.00} for the damage and then after everything completed XXXX XXXX denied my claim three times. I contact Bank of America about this issue and I did join conference call with XXXX XXXX XXXX and Bank of America, but they did nothing only talk. Since XXXX XXXX XXXX denied my claim XXXX sent the bills to me they wouldn't even give me a chance until I resolve the issue. I'm just a service member I don't have that much money and I contact law farms and other legal departments, they refer me to you and I'm hoping someone from this department can help me. Now XXXX sent it to collections because I couldn't paid off by know and its damaging my credits and its causing me a great deal of stress. Please help me and need justice.
XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXNavy FCU- XX/XX/XXXXNavy FCU- XX/XX/XXXXXXXX/XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXA computer glitch that was XXXX problem - not mine - caused my inquiries (most were fraudulent and unauthorized) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one?XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. I’m asking CFPB to help my make XXXX stop victimizing me.
We have been requesting a loan modification from Wells Fargo in reference to our consumer. He is XXXX year old man working as an attorney and need to find a solution for him to stay in there home. We have submitted all require documents to Wells Fargo.
I currently am the co-signer on my son XXXX XXXX XXXX 's loan. I pay {$100.00} per month on the loan with a current amount due of {$65.00}. When I looked at the loan balance only {$22.00} came off the principal amount. Looking further into the bill it show in the loan information section unpaid interest of {$52.00}. In the billing summary it shows I am being charged interest of {$77.00}. This is a significant discrepancy. I called Navient and spoike to XXXX ( Employee # XXXX ). When I asked her about this she told me I am being charge {$2.00} per day for interest. I told her about the difference in the 2 places where the interest was shown and she said that the higher amount was correct. So then I asked her why it shows current amount due as {$65.00}? she did not have an answer for that and kept repeating that I get charged {$2.00} per day. So I asked her that if I pay the current amount due every month does that mean my loan will never be paid off? she said yes that is exactly what it means. I told her that is ridiculous. How can you give me a minimum amount due and nothing comes off the loan in fact the principal grows. I think this is a deceptive practice on Navient 's part and they are taking advantage of young students. This practiced should be illegal.
My Bank of America branch is XXXX mile from my home and it is the only branch in my local area with only XXXX atm machine in the local area. Lots of times the atm machine is non-operational which causes me to use other non-BOA atms. My BOA fees for using other atm machines were {$96.00} just last week not including the fees the other atm machines charge. I asked BOA from refund me the fees since their ATM machine was down and they would not. This happens very often!
Citibank fails to allow there customers to set up auto pay online. I have mailed in their form multiple times. There is no confirmation t hat the account is set up. Every other student loan company allows auto pay online, why is Citibank any different? When I 've called to confirm the auto pay has been set up, I 've been told the form was not received. This has happened 4 times. This is a mistreatment of their customers and I demand action be taking to assure that Citi student loan customers are treated fairly. It 's the 21st century. Auto pay is everywhere. It is time for Citi bank to join.
I am using Coinbase for digital currency which is US based in XXXX XXXX. I created a vault option they allow to make it more secure. In order to create a vault, you have to add a secondary email so when you withdraw, an email is sent to your primary and secondary email to approve. I got an email stating my vault was created correctly under my main email XXXX and my secondary email of XXXX My ETH vault displays my secondary email as XXXX This is not my secondary email. I emailed 5 times sinceXX/XX/XXXX tilXX/XX/XXXX. I called twice to coinbase support and got the same response. " My case has been escalated to a specialist. '' I advised the support center person that I need access to my currency. I even told the support person that one of the emails from your support team suggested that they can move my coins/tokens from my ETH vault to my ETH wallet so I can have access to my own currency. I have all email proofs and need help resolving this asap. Each time I call them, they have me wait for 30+ minutes before a support person gets on the line and sometimes they dont even answer during business hours.

CASE # XXXX XXXX XXXX  XXXX ( XXXX ) XXXX
On XXXX I spoke with XXXX ID # XXXX of the CFPB who verified that Wells Fargo was in violation of the CFPB definition of refinance and was not in compliance see12 CFR PART 1026 ( REGULATION Z ) a ) Refinancings on the CFPB website, 1026.20 Disclosure requirements regarding post-consummation events. XXXX STATED THAT THE CFPB HIGHER UPS ARE AWARE of what is going on. 
THIS VERSION IS THE CURRENT REGULATION Search this regulation ( a ) Refinancings. A refinancing occurs when an existing obligation that was subject to this subpart is satisfied and replaced by a new obligation undertaken by the same consumer. A refinancing is a new transaction requiring new disclosures to the consumer. The new finance charge shall include any unearned portion of the old finance charge that is not credited to the existing obligation the refinance loan originated by Wells Fargo does not fit the definition of a refinance because the consumer is not the original consumer of the XXXX loan that was refinanced by Wells Fargo on XXXX. Furthermore the rider to the deed of trust renewal and extension exhibit caused us to suffer liabilities of a non served default judgement. XXXX XXXX ext. # XXXX of Wells fargo Executive Resolution department was very rude and dismissive and refused to explain in detail what part of the Texas constitution Article XVI Section 50a and XXXX XXXX guidelines authorizes a renewal and extension exhibit. Wells Fargo XXXX XXXX XXXX XXXX XXXX, Iowa XXXX has been unfair, abusive and used deceptive trade practices on us the consumers. Relief requested is release of default judgement lien caused by unauthorized rider to deed of trust renewal and extension exhibit and release of deed of trust drafed by XXXX XXXX of Wells Fargo and note held by Wells Fargo Home Mortgage. DECEPTIVE TRADE PRACTICES BY WELLS FARGO HOME MORTGAGE who is only looking out for their own interest and only care about their lien position, they could careless of the financial harm and duress they have caused us. CFPB WILL YOU REGULATE WELLS FARGO ACCORDING TO YOUR OWN DEFINITION OF REFINANCE DIFFERENT We are a different CONSUMER!!! Our homestead has been removed by the appraisal district, taxes have went up drastically, property taxes are not in our name even though chain of title shows myself as owner, the taxes are not listed in our name and we are not authorized to pay a tax bill not in our name according to the Texas Property tax code yet XXXX XXXX Case # XXXX, XXXX XXXX XXXX case # XXXX and XXXX XXXX of Wells Fargo executive department, CFPB case # XXXX-XXXX, OCC case # XXXX have threatened pay the property taxes and put an escrow account on our loan and force us to break the Texas property code laws.
Wells Fargo auto dealer services has been reporting badly on my credit report with a 90 day late payment for over seven years. They keep updating the accounts so it looks like it just began with no end in site when this account will no longer be on my credit report. The car is paid off had been for 10 years now. The credit reports doesnt even have an end date or reporting for these accounts.
Experian will not let me delete addresses that are not mine, and multiple names on my credit report that are misspelled or incorrect format. These addresses are incorrect or belong to family members and they appear on my name along with accounts that are also not mine.
This account that i do not recognize was opened as a result of identity theft and needs to be removed immediately., continued reporting/collection of an account that was opened of because fraud
My husband and I got behind on our mortgage in 2015 due to a medical issue and changing employment. I started the loan modification process with CitiMortgage in XXXX of 2015.  My " Homeowner Support Specialist '' would always be unavailable or out of the office. I would often have to rely on email communications that would take days or weeks for a response. He would say that the documents I would send would never be received or they were inadequate or more documentation was necessary to give to the underwriters. This process went on for almost 6 months. I was constantly resubmitting documents I had already provided or asked for additional items. I was also being advised about not making a payment because if I did it could disqualify me from the loan modification program. I repeatedly asked for another worker for my file and requested to speak to supervisors. I would get nowhere. Finally they did give my a new " support specialist and after 6 months time and after resubmitting all documentation to the new worker it was determined that my husband and I did not qualify for anything but a repayment program that made our payment from {$1200.00} a month to {$2400.00}. CitiMortgage tried to take our home away from my family. We received no help
This all began when my loan originated for this consumer vehicle loan. This account has been with Wells Fargo Dealer Services for a few years now and I feel as though the dealership along with Wells Fargo tag teamed and quickly coerced with sales tactics and promises of a low interest rate being a young and inexperienced consumer to quickly close out on a deal with each other. I feel as though it 's unfair and extremely deceptive how they fooled me into signing a loan with a higher interest rate than I anticipated. The dealership took advantage or my race as an XXXX XXXX young adult and my only goal was to co sign for my fathers car loan ( XXXX XXXX XXXX ). The dealership said if we left that same night we 'd lose the deal and we felt pressured to decide on one loan option for an insanely high interest rate. I believe that Wells Fargo could have provided a way lower interest rate which would have made my experience as a consumer much more professional and productive. Now each time I call Wells Fargo which is at least once a month and ask them to investigate they say they 'll escalate and nothing ever happens. I threaten to contact regulators and it almost does n't bother them. I really need you to look into my loan origination because my rights as a consumer were violated and I ca n't do this on my own. My loan account number with Wells Fargo is XXXX.
Dear Consumer financial protection Bureau, I was tricked into " GO PAPERLESS '' on " CITI Card " web site, ( Citi Credit Card ) I did not intend to GO PAPERLESS, no Statement, no payments lead to bad credit, over a {$120.00} amount! 
obviously i paid in full immediately as soon as i found out about this i have maintained perfect credit for 30 years, this silly mistake ruined my credit, Citi card bank won't take any actions to correct the issue, on XX/XX/2018
I contacted Cavalry on XXXX XXXX, 2016 that the debt was resolved with the orginal creditor, XXXX. XXXX also removed the debt off my credit report and send me a letter. I called Cavalry and recorded the conversation with the Supervisor XXXX. Which he started that they will not contact me anymore. But now I get a letter from a lawyer on behalf of Cavalry stating if I request verification a copy of a judgement will be sent.
National Credit Systems claims that I owe the amount of {$3000.00} on or about XXXX XXXX, 2011. <P/>I would like to be provided validation or a contract from this company for the said debt. I do not have a contract with this company, also this company does not have an active license to collect debt in the state of Indiana.
REMITLY - Transfer # XXXX XXXX XXXX XXXX XX/XX/XXXX I attempted to send a small amount of money ( {$120.00} ) to my XXXX XXXX XXXX mother-in-law in the XXXX who needed it immediately for medication. She requested that I use the Remitly site to do so. I always use XXXX XXXX. I registered on the Remitly site, signed in and used my XXXX XXXX XXXX in an attempt to send the money. For some unknown reason my transfer was canceled and the money was not sent. I received an email message that my bank would NOT be charged, but upon checking with XXXX Bank, the charge was there. It has now been cancelled. I called the number that I was provided in the Remitly email and was advised that I had been cancelled and would not be allowed to send money through the site at any time in the future. I requested an explanation but for " Security '' reasons my request was denied. I asked to speak to a supervisor, and after waiting several minutes, a supervisor answered and also refused to tell me why my transfer was cancelled and again advised me that I would NEVER be allowed to use this site. I have used XXXX XXXX dozens of times to send money to the XXXX over the years, and have NEVER had a problem. My credit history is impeccable, with a greater than XXXX FICO score. I am insulted and angry at the treatment I received from Remitly, and will be doing everything in my power to have this useless money transfer site removed from doing business in the United States. Social media is a powerful tool, and I have many contacts. Thank God for a reputable site like XXXX XXXX, or my mother-in-law may have gone without the medication that she desperately needed. I also explained this to the supposed supervisor! Although there was a several hour delay in her receiving the medication, she now has it, thanks to XXXX XXXX. Not that Remitly cares at all. If she had died, I guarantee you Remitly would have cared! I also checked " CompareRemit '' https : //www.XXXX.com/XXXX/XXXX_XXXX/XXXX/XXXX// This site has hundreds of " One Star '' comments, but the Remitly site claims a rating in the " Five Star '' region! Another minor irritation was the fact that they claimed a " Free '' transfer for first time users, but when the transfer was ready to be sent, {$3.00} of the {$7.00} fee was waived buy a {$3.00} fee remained. I believe this is called FRAUD!
My wife and I recently moved form XXXX XXXX to XXXX XXXX and today we each received 2 letters from Equifax identifying changes of address. The letters dated XX/XX/XXXX say that our new address is actually an address that we had 4.5 years ago and the letters dated XX/XX/XXXX say that our new address is the address from which we recently moved. I tried calling Equifax twice and they won't talk to me/us except to ask innumerable " security questions '' some of which ask for years old information that we don't have a record of. Our credit cards have been scammed several times in the past and we are now concerned that someone is trying to scam us again or trying to steal our identity and Equifax won't even tell us if they actually sent these letters or why they were sent. I spent most of the afternoon trying to contact Equifax to find out if these letters are really from them or a scam. Maybe because of our recent move, they can't seem to identify me either twice by phone or on the website. I called them in response to their letters and they won't talk to me. This credit agency shouldn't have the right to my information, send me erroneous letters and then not respond when they get it all wrong. I need help! This credit bureau equifax shouldn't be in business if they can't do the job and won't talk to people who they are tracking. They will not tell us what address they currently have on file for us. Won't tell us why these letters were sent. Etc. Etc. Please help.
I graduated last 2007 granted with a XXXX XXXX at XXXX - online base in XXXX XXXX XXXX. I have been paying my loans and when it starts I was on my XXXX $ after 2-3 years my balance is still the same. 3 months ago I filed for defferment to this loan due to my work status changes to part time. This XXXX the repayment of the loan will start again and according the representative that I spoke with last time that I have exhausted my defferments and I can not reapply again and I have no choice but to pay my loan monthly. Please help me on what to do at this point.
Last month, we filed a complaint with your office because Capio Partners reported three medical bills on my XXXX credit report. Prior to reporting the accounts, they did not supply me with a notice of my right to dispute. Based upon that, they apologized and agreed to remove the accounts from my XXXX credit report. To their credit, they lived up to their word, and the accounts have been deleted from my XXXX  credit report. As of today, Capio Partners are now reporting these same accounts to my XXXX XXXX credit report. Once again, I have not received a notice of my right to dispute, and I am demanding that these accounts be deleted from my XXXX XXXX report.
I requested verification of the following account pursuant to CRA Act, 15 U.S.C 1681g XXXX XXXX XXXX Acct # XXXX This Account was opened fraudulently and I filed a police report and XXXXXXXX XXXX XXXX Attorney Investigated and found that it was fraud and sent me a letter stating that this account would be removed permanently from my credit record.