WillisBack/dataset-financial-user-claim huggingface dataset:
Yesterday I went to change my cellphone service. At the end of the process I went to pay and it said the address was wrong, I tried again, still said it was wrong. That was the correct address for my card, so I went back and put " n/a '' in the apartment field just in case that 's what I had put- and then it said that there were insufficient funds in my bank account. 

The order had not gone through, I went to my bank account, and I saw that the charges had been sent through and were pending on my bank account- putting a hold on that money. 

I called the cell company to ask for XXXX charge to be dropped and if my order could be pushed through on the other charge. They said no. I asked if they could reverse the charges, because I could n't afford the hold on both- they said no- to call my bank and have them cancel it. 

First woman I talked to with my bank said that they could n't do it without a phone company rep approving cancelling the charges, and that I might be held accountable for any overage charges that resulted. She said if they did that, I would have instant access to my money- which I needed because I had no cash on hand, and my stove is broke, so that 's what would feed me until payday. 

Called the phone company again and asked that rep if he could talk to my bank and approve the charges being dropped. The plan was drop both charges, go into the store and do it in person, and then I 'd have about XXXX bucks until payday. 

We call the bank, and we explained the situation ... that XXXX charges were pending on my account, I could n't afford that, the order did not go through, I was n't going to get anything for the money, and to please just delete the pending charges. 

The bank wanted confirmation numbers from the phone company. The phone company had said nothing had been generated on their side because the sale did not go through. I said I had some sort of confirmation numbers on my transaction report for the XXXX charges of XXXX, and the bank rep said that it could n't come from me. 

I told them all I had was XXXX and change in my account with the hold until Friday, that I had no food and would be forced to withdraw the XXXX in order to eat. ( which left me with XXXX cents in my account ). I said that this was n't my fault- the phone company 's site glitched and now, even with the phone company saying to release my funds, I 'm going to end up going negative and getting fees on my account because of it. 

This bank person said that I " probably '' would n't be held accountable for the fees, but refused to guarentee it. He also said that the hold would last a few days, where either it will time out in the system, or the money will withdraw and I would have to go through the process of fighting it. 

The phone company guy tried again to explain that I was in need of the new service, and in need of my money- that he was giving permission to cancel the transaction according to what the woman said in the morning, and the bank person refused. I spoke on the phone from someone here asking for advice, they could n't find rules that fit my situation, so they passed it on to the FAQ people, and mentioned the possibility of a complaint.
Equifax compromised my information, and the information of millions of Americans and then failed to disclose their security breach, but did n't failt to disclose it to their share holders.
FORD MOTOR CREDIT ( FMC ) was requested to provide proof of false information being reported on credit files .... I sent a letter regarding Authentic Statement of Account UCC Article 9 9-210. Below is a request that FMC has failed to comply with : I hereby certify and confirm this to be a true and correct statement of ac-counting as received by your office XX/XX/XXXX. 
Pay Date Payment Principal BalanceXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off XXXX XXXX XXXX Payoff Offer received with discount andAdjustment mad to affect amount due for settlement XXXX XXXX XXXX N/A XXXX Final Balance XXXX within XXXX days approve or correct this statement. Any corrections here-to must be submitted in writing, under oath and under the penalty of perjury, and full commercial liability ( where otherwise not prohibited by law ). FMC was also served with an Affidavit of nonresponse. This is an action for damages brought from violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.
I received a letter from XXXX XXXX XXXXXXXX XXXX XXXX and contacted them. 
They have asked for my Bank Account Number and I will not give it to them. I told them I would get a Money Order to send them a payment, and they got abusive. I have hung up on them. I am only trying to contact them and this letter says they have a judgement. I have cancelled every credit card and opted out of new credit card offers. They overtalk you and will not listen. They call more than once a week. I have not sent them a letter yet to stop calling me. I do need advice on how to handle this situation. XXXX XXXX
This debt is not owned by me. I have never owned a XXXX account and from confriming information supplied, i believe that my personal details were compromised by a leak of information steming from a XXXX company security breech in 2012.
When I opened an account with PNC back in XXXX 2016 there was a promotion to get {$200.00} if I deposit {$2000.00} and use my card for a certain number of transactions and pay a bill online. I did all those things but still did n't receive the promotional offer. I went to PNC branch in XXXX NJ in XX/XX/XXXX and spoke to the manager who opened my account ( XXXX XXXX ) he said he will look into that. Nothing happened for two weeks and I went to see him again, he made a call and said the money will be in my account in ten working days. This however didnt happen so I emailed him on XXXX XXXX and he said he will look into that. To this day I didnt receive the money.
My daughter of over 18 years rented and apartment without my consent and I do not even know where she lived and defaulted. The rental and collection agency have put the default on my record. 
XXXX. My social security number, dob and address are different from my daughter, why would they even think about putting it out on my file without even calling me. I dispute this
I recently looked at my Discover Card account to see what the balance due was. 
I noticed that there was a monthly charge coming from XXXX XXXX for around {$11.00}. 
So I called Discover and they told me that the fee has been coming out of my Discover account since XXXX of 2017. Discover also informed me that there was a purchase made from XXXX charged to my account for around {$230.00} and that they had also charge some 'fee ' for around {$40.00}. 
I told the Discover card agent that I have n't bought anything from XXXX in years. So Discover is disputing the charges on my behalf. 
I do n't believe this was any accident. I asked some of my customers coming into the Post Office where I work and within 30 minutes two of them told me the same thing had happened to them. Except they had made an XXXX purchase, but later saw that XXXX XXXX was charging them a monthly fee that they had n't requested. 
This strikes me as a common procedure to steal money from unsuspecting people. Imagine the senior citizens that would likely never suspect that a company as large as XXXX was consistently stealing from its customers.
Bank of America has not allowed me an avenue to show proof of recent hardships regarding loan modification. Enclosed, you will see letters from the bank regarding the upkeep my my property and current damage. 

Bank of America will not give me a contact with Email to send this information. They are not working me to find resolve. 

The assigned, yet, another lower level representative who has not reached me. I left XXXX messaged.
COMPANIES Violated the law by allowing the two items below to be re-added to my credit report after they were removed without Sending me proper notification Item 1 : Judgement amount : {$2500.00}. This item was removed from my credit as a Judgment on XX/XX/XXXX after I challenged the item vigorously. It was then added back to my account onXX/XX/XXXX as a collection account owned by XXXX XXXX XXXX. This violates the law as stated below Item 2 : Collection account : XXXX XXXX {$50.00} This item was removed from my credit report after a vigorous fight on XX/XX/XXXX It was then re-added to my credit report onXX/XX/XXXX as XXXX XXXX In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA,
I set up an Electronic Payment to occur on XX/XX/18 for my regular amount of {$1500.00} plus an additional {$8000.00} of principal. The whole {$9500.00} came out of my bank and was credited on XX/XX/18. However, they DID NOT apply the {$8000.00} to paydown of principal. They applied it to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regular payments, costing me an extra {$1500.00} of interest. 

This is the 7th time that DiTech has erred/refused/failed to apply a prepayment of principal to my principal balance within the past year. They are downright fraudulent! I call and call and call before getting them to correct their error/fraud. 

That's stealing. If I did that, I would be in jail.
DURING XX/XX/XXXX I HAVE MADE ( OFFERED ) ONE PAYMENT OF {$1500.00}. - SEVEN PAYMENTS OF {$1400.00}. AND ONE CASHIERS CHECK OF {$2900.00} TO PHH MORTGAGE. THESE AMOUNTS TOTAL {$14000.00}. 

PHH MORTGAGE IS PURPOSEFULLY MANIPULATING AND REJECTING PAYMENTS MADE TO THEM. EXAMPLE, IN XX/XX/XXXX I MADE A {$1500.00}. PAYMENT TO PHH MORTGAGE AGAINST A REQUIRED AMOUNT OF {$1300.00} PAYING IN {$130.00} EXTRA. IN XX/XX/XXXX PHH BILLED A {$120.00} ESCROW SHORTAGE ( SEE XX/XX/XXXX/17 PHH LETTER ). I NEVER RECEIVED THIS BILLING. IN XX/XX/XXXX PHH REJECTED MY {$1400.00} MONTHLY PAYMENT AS IT DID NOT COVER THE {$120.00} ESCROW BILLING AND THE REQUIRED {$1300.00} AMOUNTS THEY WANTED. THEY RETURNED 4 OF THE NEXT 5 PAYMENTS. THE XX/XX/XXXX THEY KEPT BUT IT DOES NOT SHOW ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT '' THEY REPORTED FALSE INFORMATION TO THE CREDIT BUREAUS SEVERELY DAMAGING BOTH MINE AND MY EXWIFE 'S CREDIT RATING. THEY HAVE PURPOSEFULLY DID THIS TO US AND ACCORDING TO MY REALTOR AGENTS HAVE DID THIS AND WORSE TO OTHERS. 

I REQUEST AN IN DEPTH ACCOUNTING OF PHH MORTGAGE AND ITS UNFAIR TACTICS. THEY DID NOT APPLY MY XX/XX/XXXX PAYMENT ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT ''. NOR DID THEY RETURN THIS PAYMENT TO ME LIKE THEY DID WITH 4 OTHER MONTHLY PAYMENTS MADE TO THEM. I SOLD THE PROPERTY AND PHH TOOK {$120000.00} OF THE PROCEEDS AGAINST A BALANCE OF {$110000.00} SHOWING OWED ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT '', A DIFFERENCE OF {$2200.00}. 

I WANT PHH TO 1. RETURN MY {$1400.00}. THEY HAVE NOT APPLIED TO MY LOAN. 2. RETURN THE {$2200.00} THAT WAS MORE THAN THE AMOUNT PHH TOLD ME AND THEIR " CUSTOMER ACCOUNT ACTVITY STATEMENT '' INDICATED WAS DUE. 3. ALL LATE FEES AND OTHER MALARKY NEEDS TO BE REPAID. 4 MOST, IMPORTANTLY PHH MORTGAGE NEEDS TO CORRECT CREDIT BUREAU INFORMATION ON BOTH MY EX-WIFE AND MYSELF, AND PROVIDE PROOF OF DOING SO.
I recently viewed my credit report from XXXX and found the collection account it. They did n't send me any notice neither a debt validation.
I have had an ongoing dispute with Navient for more than 2.5 years and have filed numerous CFPB complaints and a complaint with the XXXX. There are 2 private loans that originated with XXXX prior to the incorporation of Navient in XX/XX/2010 that did not require payment until my commencement at XXXX. Due to unforeseeable circumstances I was short the necessary credits to graduate and the college recommended I take a XXXX course. Unbeknownst to the administration, they failed to provide an academic accommodation and incorrectly reporting my enrollment status to the XXXX. This led all my loans, including those with XXXX to go into immediate repayment without my knowledge while I was still enrolled in school. We were never alerted to the schools error and the fact no grace period was ever extended. XXXX harassed me and my extended family demanding repayment without explanation. XXXX only called to discuss repayment for federal student loan. My father made a payment on my behalf for the federal student loans. These funds were misapplied by XXXX to private loans instead. After payments were made these private loans immediately went into default without my knowledge. Through research we discovered the enrollment reporting issue made by XXXX that caused these private loans to go into immediate repayment and default. Navient refuses to accept or acknowledge information provided by the college itself that would declare me half time or more enrolled during the semester that the loans went into repayment. Navient also fails to acknowledge my correct commencement date. They refuse to acknowledge these corrections which would remove the defaults from my credit report. Navient has not offered any support or resources to resolve the issue. They recently resold these loans to a different collection agency XXXX which have contacted family members at phone numbers that have never been provided to Navient, disclosing private financial information to family members that are not cosigners on any of these loans. XXXX attempted to harass and deceive these family member to provide private information by calling from various local numbers.
I 'm trying to do a short pay on the property deeded in my name, the original loan was in my ex husbands name ; so I 'm trying to get the loan in my name. My ex husband was the victim of predatory lending and the mortgage on the home is what lenders call " upside down '', when my ex husband left he filed bankruptcy on the loan and I started paying it so I would n't lose the home. At one point it went into foreclosure because of the monthly payment and I was unable to pay it. I would like to get this mortgage in my name and not have to worry about it going into foreclosure again. I was working with the previous servicing company that serviced the loan and the loan was transferred to another servicing company. The current company has been giving me the run around on the loan, I have submitted all documents they have asked for an even proven that the property is not worth the VPO value determined by an estimate they obtained. The servicing company tells me that the variance is determined by a third party vendor of theirs but will not supply me with the name, they have refused to tell me who now holds the actual mortgage on my property and that I have to deal with them. I 'm not allowed to speak with their underwriters or anyone within the company other than their customer service agents. I 've tried numerous times to go through their resolution department to no avail. I finally decided to do some research on my own and found out that this particular company was fined in the past by the Federal Trade Commission for unfair business practices that caused numerous people to lose their homes. I have a XXXX son and I have lived in this home with him and modified it for his use since XXXX. The previous serving company had come to an estimated value of XXXX XXXX and I 'm willing to pay that, the current servicing company is in no way willing to take XXXX XXXX when I 've submitted document proving its value to on be worth that amount and even offered to show them the correspondence from the previous servicing company. The current company is wanting XXXX XXXX more. I 've asked them to justify to me how they can determine the property is worth more than the previous servicing company. Their customer service agents do not forward my estimates when I turn them in and then I 'm told the final decision has been made. Honestly, I think the company is trying to push me into a foreclosure, they contacted my ex husband and tried to talk him into signing a deed in lieu so they could put the house on the market and sell it. I honestly believe this company is trying to sell my home out from under me using whatever means possible.
I have paid multiple payments to XXXX, XXXX, and XXXX to the agency. Now they have sent me yet another collections notice and call to harrass me multiple times per day, refuse to listen that I do n't owe anything else. I have a message on my phone from the billing office at XXXX, stating I have paid everything. I also have front and back photos of cashed checks for the same bills multiple times. 

I only was allowed XXXX photos. I have at least XXXX that can show the bad business practices of both companies.
I have submitted many goodwill letters to Capital One regarding my one late payment in XX/XX/2017. I have over 18 months of perfect payments. I explained to them I went through a financial hardship when my XXXX year old got sick and had to be taken to the hospital. I made the payment as quick as I could and have never been late since then or before then.
Sent letters to credit bureaus ( XXXX and XXXX ) on XX/XX/XXXX and collection company on XX/XX/XXXX. No satisfactory response actually validating the accounts. Only received statements from Credit Bureaus saying account was verified by collection company. As of today no response from the collection company.
My identity was stolen and this company sent me a letter refusing to block information but has not responded to my request for a request for the results of the investigation. I doubt an investigation was even done.
Between XXXX/XXXX/15 and XXXX/XXXX/15 I have had XXXX hard inquiries appear on my Transunion credit report. XXXX inquiries through XXXX, XXXX through XXXX and XXXX through XXXX XXXX XXXX. All of these inquiries were an attempt to get credit cards with my identifying information. I have put a credit freeze on my information and credit alerts through Transunion. I also received a letter from XXXX indicating that XXXX hard inquiries were made to my credit report by XXXX. XXXX reported that they have been hacked. I want all of these hard credit inquiries taken off my credit report due to the fact that I have never applied to these companies for credit cards or other services. These hard inquires are causing by credit scores to go down.
XX/XX/XXXX XXXX XXXX noticed that her employment wages were less than her hourly pay from an auto pay that goes to her utility company, so her account was showing as delinquent. XXXX XXXX contacted XXXX, the 3rd party payroll company for a job she started inXX/XX/XXXX, prior to excepting employment with XXXX, XXXX XXXX has maintained a few jobs with her stent of employment lasted 2 years. XXXX emailed XXXX XXXX a judgement for a court date in XXXX out of XXXX XXXX XXXX has been living in XXXX since XX/XX/XXXX. XXXX XXXX was not familiar with XXXX XXXX or Kahrs Law Offices and called the offices hoping the matter would be resolved quickly, since XXXX XXXX is a single income household and is unaware of a gym debt from XX/XX/XXXX, XXXX XXXX moved to XXXX in XX/XX/XXXX, with the paperwork proving so and would have had zero reason for a membership in XXXX  XXXX at Kahrs office ( I had to callback several times and " trick '' the automated system to get anyone to pick up ) XXXX advised me to fax over my ID, which I now realize was NOT a great idea because that was the last time that I 've been able to speak with anyone at Kahrs office. After almost 2 weeks, XXXX XXXX FINALLY received an answer from XXXX ( who also receives a FEE from the garnishment of XXXX XXXX ' wages ) stating that Kahrs will not be releasing her wages. XXXX XXXX requested that she receive ANY paperwork claiming this debt, XXXX XXXX was informed that Kahrs does not have to provide documentation because they received judgement by claiming they 've mailed a letter to an address that XXXX XXXX no longer lived at. XXXX XXXX was informed that that was all that was needed to receive a judgement to steal wages. XXXX XXXX called XXXX County Clerk to obtain court records and found SEVERAL errors on the " judgement '' paperwork that was submitted in court, there was a XXXX address that XXXX XXXX has never stayed, lived nor received mail at or been contacted at. XXXX XXXX  has stayed at 2 addresses in XXXX sinceXX/XX/XXXX and the apartments were in the same complex, so where and how did Kahrs office obtain ANOTHER address that XXXX XXXX did not reside at and claim to be trying to " make contact '' to collect? The name of the company that XXXX XXXX recently started at inXX/XX/XXXX, was spelled incorrectly and how did Kahrs find an address that XXXX XXXX had only been at for roughly 2 months and garnish a large amount with no warning nor contact but could not find XXXX XXXX at an address that she lived at fromXX/XX/XXXX to XX/XX/XXXX? XXXX XXXX was also told that Kahrs had a photo id of her and a signed contract, surprisingly ... this information materialized after Khars office requested a photo ID. It is nowXX/XX/XXXXand XXXX XXXX can not afford an attorney in Oklahoma and Kansas ( which she has to obtain or file bankruptcy or quit a job she just startedXX/XX/XXXX, she is told that is the only way she will be able to protect her income from Kahrs office, whom she does not owe debt too. )
I disputed the public record on my credit report as it is reporting an inaccurate dollar amount i provided proof of the dollar amount that it should be showing and that the debt has been paid transunion and experian will not update correctly. I asked both credit bureaus for information as how the investigation was conducted, I was advised that they do not investigate they ask the creditor to do so. I do n't understand how you can ask someone that is reporting the wrong information to investigate and the dispute was filed with the credit bureau. I was under the impression that the credit bureau would do an investigation. I have spoke withthem several times by phone online disputes asnd certified and us postal mail and no corporation to get this updated or removed
At the end of XX/XX/2018, XXXX-XXXX  XXXX XXXX sent an item without authorization. That, in addition to the automated mailing had been cancelled over 6 months ago. My wife contacted XXXX and we returned the item and credit was returned. However, XXXX XXXX XXXX credit card applied a late fee after the item was returned and XXXX XXXX applied a charge also. My wife attempted to contact XXXX but they refused to talk to her, they refused to even acknowledge what was being said. 

This is the 2nd time this credit card company has applied a late fee when there has been no balance ( due to mistake and item returned ) and/or after the due date where payment had already been made.
Called several times and sent several letters. I advised them it was a OWCP related injury and they need to contact them. They asked for OWCP information and I advised them to contact the business they got the debt information from. They hung up on me a few times when I refused to give my date of birth. I asked what they had and they would not tell me. I asked for the investigation in writing and how they assumed it was accurate and my dispute was not valid. They said they will not provide anything in writing. I asked for written proof that OWCP was contacted and said they would not pay the debt. They again told me they will not provide anything in writing. They advised me they will just turn it in to collections.I asked them to stop calling and harassing me and they continued to call. The company is XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
I am constantly receiving calls from TD Bank at work-for my ex husband-XXXX-he has never worked there so there is no reason for it. TD Bank XXXX