WillisBack/dataset-financial-user-claim huggingface dataset:
My citi credit card information was stolen in XXXX XXXX, and I reported the fraud case in XX/XX/XXXX. I requested a new card for replacement, but I did not receive the card until XXXX XXXX. During these four months, I had called the credit card center several times ( like 5 times at least ) to deal with this problem, and they neither process my fraud case nor give me a new card. Because of their unprofessional ability, I was charged for 3-month late fees and interest charges. Furthermore, the customer service I just called was so rude and impatient and even interrupted my talking several times. She said that my account was closed by bank, while I went to the bank and the bank said they did not have any access to credit card nor close it. The credit card center even could not reopen my account. I do not know what they can do other than collect money from me. I really felt that I was mistreated by the customer service representative because I was not an American citizen. I just cleared my balance on my credit card account and do not want to deal with citi credit card center ever again.
XX/XX/2018 {$230.00} was taken from my debit card without my authorization from Riverwalk Financial Solution, when I tried to contact them their listed phone numbers were disconnected or out of service. Like wise their email address was not responsive.
A company called XXXX was trying to charge me on a cancelled service. I tried to contact them few times and was told for a refund, but was never processed, so I contacted my credit card company which is XXXX. XXXX then stepped in and contacted XXXX. Everything was taken care but months later, XXXX filed a collection through Nationwide Credit Inc . I 've been trying to contact Nationwide Credit Inc for the past weeks, but they removed my online access, never picked up my phone, never returned my voicemail. What can I do? XXXX should 've spoke up when XXXX contacted them, but they did n't. They instead file me a collection, and the collection company does n't care to contact me at all. XXXX already wasted me a LOT of time. How come I 'm the person that has to waste my time to deal with XXXX 's mess. I ca n't just let them kill my credit and steal my money. Is there anything I can do? Thanks.
Case # XXXX. This concerns our complaint. Wells Fargo sent us an envelope where they pretend to have wrapped this case up. We agree with only about XXXX paragraphs out of about XXXX pages. We understood that they were selling our loan It was only a case that Wells Fargo was changing Servicers and giving us a new address to where we send our payments. The rest of the information is in fact taking the truth and mixing it up with total false information. We do not agree with their explanation, we have a paper trail that proves the opposite of what they state. This is business as usual with Wells Fargo.
I've have been dealing with Augusta Collection Agency Inc.. for awhile. I understand that the debt is mine and I am willing to pay it but I feel like I'm being treated very poorly and unfair. I have call them to try and settlement the debt in full but they refused, the sued me and did not properly informed me because I was living out of state and could not make it to the court date being that it was 3 hours drive to get there. I've asked multiple times to resend me paper and/or information and their response was that they already sent me paper and that they don't have to if they don't want too. they threaten to ruin my credit and that they will sue me again. They are very unprofessional in how they talk to me and they don't care about anything.
I attempted to deposit a check through Ally Bank 's app and the bank contacted me and said that it would not accept my deposit ( it was an approximately {$2.00} deposit of dividends from an old XXXX  ) because the registrations did not match. I have never had such an issue, and attempted to call for assistance. The wait time was unbearable, so I emailed Ally. The response was that I had to call to speak with a person in their deposits department. So, I called, again, and waited on hold, again. I was asked to verify the last 4 digits of my SSN, my DOB and 2 answers to random secret questions, including my favorite team. I guessed what I might have set up, and evidently guessed incorrectly. I was placed on hold again, and escalated to a supervisor, who, maddeningly, repeated the entire series of questions. My answers did not change. She said that someone would have to call me to verify me. That doesn't seem like a super secure way of doing business- calling me from a random number, on my unsecure cell phone, at some indeterminate time. All I am trying to do is deposit a small check. But she said that she could not help me, that I could speak with no one else, and then she froze my accounts so that I can not view them. 

I need ( 1 ) my accounts unfrozen and ( 2 ) to be able to deposit this check and ( 3 ) an apology for my massive inconvenience.
PORTOFILIO RECOVERY ASSOCIATES IS REPORTING DEBT ON MY CREDIT REPORTS AS A factoring company and this is misrepresentation. A " factor '' is one who buys corporate receivables at a discount not a JDB dealing in uncollected bad debt. In addition the call and make threatening and harassing calls, and continuously violate the FDCPA LAWS.
I HAVE FILED DISPUTES WITH ALL AGENCIES AND I HAVE ATTEMPTED TO CONTACT THEM FOR REMOV  AL TO NO AVAIL.
On XX/XX/2018 I was charged a late fee of {$27.00}, because I did not have access to the internet XX/XX/XXXX, and XXXX due problems with ISP. 
I also have XXXX  very small kids - so it's hard to get out of the house. 
I paid the minimum due as soon as internet became available - on the XXXX. 
Please refund the fee
Good evening. I received a pre-paid Mastercard " debit '' card as part of an agreement between XXXX XXXX and I for {$25.00}. This card has an expiration date embossed like all Mastercards. The expiration date was yesterday XX/XX/XXXX. When I call the Mastercard system I am told I have a valid balance of {$25.00} for purchases ; however, I can not spend the {$25.00} due to the expiration date. It was declined when I tried to use the card today. I contacted Mastercard on XX/XX/XXXX and spoke to two people ( one in Corporate communications ) and they stated the money no longer belongs to me. I find this distasteful at best. I have the card agreement that was attached to the card and in tiny print there is one single line about " your CITI PREPAID Card expires on the date embossed on the front of the card '' -- it 's intentionally buried in fine print. How could this be legal?
Regarding my situation with Nationstar ; the following is an overview of what transpired. I am going to attach all that I can but I might need to send you a cloud link. The XXXX day sale date following my XXXX XXXX hearing is scheduled for this Monday, XXXX XXXX ( See Attached ) I am not trying to save my home ... my only goal is to have a deed in lieu of foreclosure. This, in addition to the possibility of a short-sale is all that I have been trying to achieve from Nationstar. However, I was told that I must wait until after the hearing to present any offer to them. That was told to me by their counsel as well at the hearing in front of the judge. Nationstar told me XXXX days after the hearing date when I called them regarding a deed in lieu / shortsale that I must have a minimum of XXXX days from the actual sale date to be considered for either. Obviously the math does not add up. 

This is after I desperately tried to modify my loan before this began. Nationstar put me into foreclosure for a reason that was not valid. Nationstar told me in the foreclosure notice that they did not receive the requested information, which I have proof of providing to them. All of this was to no avail. 

Timeline : On XXXX XXXX, 2014 I sent in the requested information needed to be considered for a loan modification. 
I received a letter dated XXXX XXXX, 2014, requesting additional information for the loan modification. 
I sent all of the requested information in by the date of XXXX XXXX, 2014. 
In a letter dated XXXX XXXX, 2014 that I received stated that all of my modification options were denied because of " Request Incomplete ''. I have all documentation and proof that these items were sent in through fax and email logs. 
Following that notice / letter we were placed into foreclosure. 

I can provide proof that all of the requested items were sent to Nationstar for the loan modification process, per your request.
Please note that this was placed on my credit in error. This should be removed from my credit profile immediately. XXXX XXXX XXXX has acknowledged that this should be deleted off of my credit profile. XXXX XXXX XXXX XXXX has since filed a UDF ( Universal Data Form ) with all the credit bureaus to have this removed from all XXXX of my credit profiles. Please have this removed immediately and forward me confirmation that this has been done. I have attached a print out of the email XXXX XXXX XXXX sent me to confirm that they have requested this deletion. Please see the contact information for the XXXX XXXX XXXX attorney that has been facilitating the correction below : XXXX 

XXXX XXXX XXXX XXXX, VA XXXX Toll Free : XXXX ext. XXXX Phone : XXXX ext. XXXX Cell : XXXX Fax : XXXX
I surrendered a vehicle in XXXX of 2015. My balance was around {$12000.00}, and they sold the vehicle for just under {$5000.00}. With fees and interest, my account charged off and reported to my credit as me oweing a little over {$7900.00}. I decided to call them and see if I could pay a settlement amount to have the account satisfied. The customer service rep I spoke to, after over 15 minutes and several reps that could not find or assist me on my account, was very rude and kept telling me very incorrect information. She tried to tell me that my balance was actually over {$10000.00} due to the fact that the amount charged off, did not include any of my per dium interest accumulated during the life of my loan. I 've worked in the subprime lending industry and I know how simple interest loans work. But she tried to tell me that THEIR company charges the interest at the end of the loan, even though my contract did not state this AND my payment history did not reflect this. She tried to tell me that she would be willing to take off the {$2500.00} from the {$10000.00} she said I owed. This is an incorrect amount by my payment history, as well as the agreed upon terms in my contract. She was attempting to collect on a higher amount then what I owe amd lied to me on how their simple interest loans work. She refused to get me to a superior, stating she was the boss and there was no one above her.
I have been dealing with this medical debt for 2 years now. I had an emergency room visit on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the doctor was paid by my medical insurance on XXXX/XXXX/XXXX. I notice that the date of service on the debt collection letter is for XXXX/XXXX/XXXX and the date on my insurance claim is for XXXX/XXXX/XXXX. I did get treated at the ER on both of these dates so I think maybe the dates are mixed up on the paperwork. That may be what the problem is because I have insurance claims to different doctors on both of these dates. The original fee charged was {$1200.00}. He is a physician provider on my insurance and agreed to accept the eligible charges that were paid to him. This has been on my credit report up until a couple of months ago and the only reason it 's not there now is because I filed a dispute with XXXX XXXX. After the dispute was settled it was deleted from my credit, but this physician sent these charges to a different collection agency after the other one dropped it. The old collection agency was XXXX XXXX and the new collection agency is XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX DO ) and the current creditor is listed as Pendrick Capital Partners. A XXXX XXXX/ XXXX XXXX XXXX representative even tried to call and talk to the first collection agency ( XXXX ) and the physicians company, but was given the run around and was unsuccessful. I faxed them proof of payment from the insurance company on several occasions, but was unsuccessful until I filed the dispute with XXXX. I have not contacted the new collection agency because collection agencies only go by what the creditor claims you owe them, so I 've decided to file this complaint here.
Case # XXXX and XXXX. I am up loading an Bank of America online statement with the new account # ending in XXXX and the original account # ending in XXXX. The online account {$89000.00} owed and minimum payment due {$29000.00}, make payment. 
Finally, I received a phone call from Bank of America, XXXX, on XXXX/XXXX/16, I believe from XXXX XXXX at XXXX for 1.25 minutes. I asked him if we were being recorded for Quality Assurance and he said yes. Also, I told him that he was being recorded by me for Quality Assurance. XXXX XXXX said that he did n't know what I was going to be using my recording for and I told him the same as him, Quality Assurance. XXXX XXXX said that he did n't want to be recorded and he would send me a letter. If I call him we could talk without me recording him but he would record me. I have been calling Bank of American about them seeking money from me and I received a discharge and the house was sold in a Federal Bankruptcy Court for five years and they always record me and do nothing. In order to have Full Transparency, we both need to accept recording from both parties and I hope they will resolve the problem. I have sent all the evidences and I hope Bank of America resolve the problem without talking to me because they do not want to be recorded by showing full transparency.
My husband and I both have student loans with Navient. They will not combine our loans into XXXX - but yet they are using our joint income to make us make large payments on single loans. I have been trying for over a year to get this either combined or our income separated, but they are refusing to do this.
I was contacted about a debt on XXXX/XXXX/XXXX that I questioned the legitamacy of. The debt collector claimed I owed over {$500.00} for medical bills dating back to XXXX. I sent a certified letter asking for verification. 

On XXXX XXXX, I received a letter stating that the verified debt was {$19.00}. 

I received another call today, XXXX/XXXX/XXXX again claiming that I owe over {$500.00}. I was told they would have to verify the debt again.
My ex-wife XXXX XXXX took out a loan on a home I own at XXXX XXXX XXXX in XXXX XXXX and although I've been talking with Rushmore loans in CA when I found out they foreclosed on her since XXXX  of last year, it's only this week they actually got me paperwork. That foreclosure was filed against her, but did not include me as the owner of the home. I live in my deceased parents home at XXXX XXXX XXXX in XXXX XXXX and have just found out as of XX/XX/XXXX that my mother had a mortgage against the house I was unwaware of that has caused a foreclosure, but have not had enough notice to secure funding. I was not contacted prior to XX/XX/XXXX regarding this foreclosure, nor did I receive any prior notifications.
Sun Loan has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Ok, I have been going around and around with Bank of America and my most recent conversation with some executive named XXXX XXXX has put me over the top, upset. First of all, I had sent a complaint letter to Bank of America about benefits I had cut off, when they suddenly closed my account a year ago for no apparent reason. After this closure, I had built up a balance in a benefits account that they said they " Could Not '' return to me, as per policy. I complained and in XXXX 2016, I received a phone call from an account representative who said they would rectify my problem. Weeks went by, then in XXXX, I finanally called back and was told they were working on my account and would be crediting me back a {$37.00} late fee plus they were working on the {$15.00} and change benefits I wanted credit to my account. I asked then, what should I pay for my bill that was due and was told {$100.00}. I paid that and then I got a late notation on my credit report stating I was late, because I paid {$35.00} or so, less than what was owed. Ive written letter after letter explaining that I was told to pay the {$100.00} over the phone and this XXXX XXXX told me and I quote " I ca n't change anything without some documentation from you backing your claims ''. Well, since this was done over the phone first with an executive, then a rep, I do not have this and I told her this. I went on to say, there were multiple records of complaints I made, to XXXX XXXX, the CFPB and others, that she just needed to read over. She said she would not. Multiple times in our conversation, XXXX XXXX contradicted herself one minute stating she looked into my issue, then stated without records, she had nothing to look at, and I said it was because these were phone calls. I want this late removed from my file, as BANK OF AMERICA told me what to pay, I paid it and to this moment, I was never credited the {$15.00} or the other fees I was told would be credited, because these occured during my multiple complaints, in which I was attempting to adjust my balance correctly on my account. In addition, Bank of America and XXXX XXXX, stated to me and I quote " It is not our fault this occured and this is our position. Unless you produce proof, we stand by this and will do nothing more ''. How can I produce proof of a phone call??? I told her this and I told her this WAS her and Bank of America 's fault, not mine. I did what I was instructed to do!
This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under Portfolio Recovery. 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by Portfolio Recovery Associates substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and Portfolio Recovery Associates! I have maintained careful records of your actions as well as Portfolio Recovery Associates! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit!

Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
I have contacted Equifax on multiple occasions about the removal of a tax lien from my credit report. After conversations with XXXX Equifax representatives I was told the lein wo n't be removed for 7-10 years, even though I have my form XXXX form the IRS that has released and withdrawn my leins. After being told even if I submit the forms that wo n't change anything, I decided to contact the CFPB because this does n't seem fair or correct.
I received a letter from ERC that they wanted to settle my debt. I called them with a financial  Counselor on the line with me. The Manager   XXXX  told us if I paid the {$140.00} of the {$290.00} owed that I would receive a letter stating I 'm was settled with a  XXXX  balance. I requested to have this letter of intent ahead of time but  XXXX  said he could not but that the call was being monitored and he could not lie. I said I know companies sa y one t hing and change later. He said no he could not do that he gave me his number and Extention. I was told to have faith in people! I made the payment same day Thur  XXXX . It posted next day. I was told to call Monday  XXXX  for my letter. I called  XXXX  for my letter. I was told my letter woul not say a  XXXX  balance. I told them everything the Man.  XXXX  told me and They told me i was n't making any sense. They refused to listen to the recording. The letter that was sent specially says this debt was not paid in full. Instead of the  XXXX  balance I was told it would.
The interest rate on my federal student loans is so high that I literally can not pay them down ( 8.5 % ). My total debt has increased from {$66000.00} to {$86000.00} in only 5-6 years, and I make monthly payments diligently ( nearly $ XXXX/month ). I attempted paying ahead by a month, to see if that would affect the accruing interest, but it has not changed anything. The monthly payments are already high enough to keep me living paycheck to paycheck, and I feel I may never be able to afford a house or a family in this lifetime. The educated future of the United States is being robbed and tossed aside. 

SOMEBODY PLEASE HELP US!
PLEASE BE ADVISED THAT : XXXX XXXX XXXX, XXXX AGREED OR WAS ORDERED BY CFPB TO REMOVE from my CREDIT REPORT ( seXXXX CFPB Ref. # : XXXX filed on XX/XX/2017 ) this so-called " XXXX XXXX XXXX XXXX Collection Account '' for the same $ XXXX-based on the detailed facts of my previous dispute. Also, I CLOSED this " XXXX XXXX XXXX Account '' because XXXX XXXX XXXX STOPPED providing me the contracted wireless services and replacement of my phone, despite the fact that I CONTINUED TO PAY for over FIVE MONTHS the Bill for unused wireless services and Insurance, hoping that XXXX XXXX XXXX would do the right thing. 
Accordingly, DIVERSIFIED CONSULTANTS, being a successor-in-title of this so-called " XXXX XXXX XXXX Collection Account 0f {$1200.00} '' CAN NOT ( as a matter of law ) have acquired a XXXX XXXX from XXXX XXXX XXXX, XXXX ( the predecessor-in-title ). This is a fundamental principle of Common Law, and indeed, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX case law. Especially so, when DIVERSIFIED CONSULTANTS ought to have had CONSTRUCTIVE NOTICE ( i.e. if proper due diligence had been conducted ) of the cited CFPB Complaint Ref. # : XXXX because it is PUBLIC RECORD easily accessible on the CFPB Website.