WillisBack/dataset-financial-user-claim huggingface dataset:
I called LendUp and explained that my account is still open but being reported as closed on my credit report. I was asked to take a pic of the account showing its closed. I took one picture because its been reported to all credit reporting agency. They told me it would be a couple days and should be resolved and it still remains on my credit report dropping my scores because its listed as closed. They reported it closed because there was a .89 transaction made on the account last month that was not by me. So instead of calling, emailing, texting or evening faxing they decided to report my account as closed. The first time I called about the problem their attitude was terrible and they transferred me to the fraud department. They put me on hold and then hung up the phone and never called back. The fraud department operator was very rude and nasty to me. Terrible customer service and the company communication is the worst I have ever experience or seen in my life. LendUp could care less what it did to my credit report they just keep claiming it will be fixed. After 4 phone calls to the company its still on my credit report.
I have student loans from Navient. I called and had my student loans put into deferment while I was in school. Well I found out that since I was only taking one class they had to be put in forbearance. I called them to have it done. Well it turned out it was not done, I had emails and letters saying that I was past due on a payment and it was reported on my credit report as late. I am still in school and after calling they were finally put in forbearance. However they said they would not take it off my credit report as late because they do not do that, it will stay on there as late.
I am a XXXX vet who is going back to XXXX so I am home part time and in Iowa partime. My friend XXXX XXXX lives with me and we make my house payment together but we fell behind a couple of months. We tried to start paying the loan XX/XX/XXXX. XX/XX/XXXX and have been running into a wall ever since. She called several times to put XXXX on the loan. She told them she was paying with with her tax card and the representative never told her that they would not except this type of payment until the she called the second or third time. At this time the bank was closed. They would not except just XXXX They wanted a full XXXX so I sent a XXXX check so they would take they XXXX. They held the XXXX check on the side and did not apply it. XXXX got a cashiers check and mailed it but mailed it to the wrong zip code this was XXXX XXXX. When I saw they had not received it we tracked it and it was on its way back to us, so I go a cashiers check on XXXX XXXX from my bank that I have in XXXX by school. Call and spoke to nation star and explain the situation. The representative said it was no problem as long as I had the payment in by XX/XX/XXXX there was no problem at all. I check to make sure they got my payment on XX/XX/XXXX and they had not received it. So I called Nation Star again to see if they have received my check. The representative said they did not but they would not except the XXXX because they foreclosed on me on XX/XX/XXXX. I never receive any for closer information on my property saying they were going to foreclose on my property. Or did anyone say anything to us in the 6 to 10 calls we may in XX/XX/XXXX -XX/XX/XXXX. I talked to XXXX manger on XX/XX/XXXX and XXXX before that. The representative advised me on XX/XX/XXXX to cancel my check and pay them XXXX and I would be ok, but the Manger told me to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and the told me I had to pay them XXXX or something close to that to get out of for closer. Ever person I talk to gives me a different amount. They will not take my payments. They always tell me it has to be a specific dollar amount. How is anyone suppose to catch up when they continue to do this to you. They harassed with phone calls one or two a day for over six months till I threatened them with my lawyer. This is when I did not miss a payment at all and when I miss a payment I get nothing to say they are going to foreclose. Then Schedule an Appointment now. 

XXXX Customer Name : XXXX XXXX Free XXXX for new clients only. Not to be combined with any other offer. Not good toward boarding, grooming, prescription and non-prescription medication, and retail items. Not good toward emergency and/or specialty XXXX services. Coupon good for up to XXXX pets ( dogs or cats only ) per household. Redeemable only at a general practice XXXX XXXX Hospital. For pet owners who are aged XXXX and older. 

Valid through XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) XXXX - XXXX
I get phone calls daily from a debt collection company with a robocaller to my cell phone. When I pickup and say hello I never get anyone on the phone. When I called the number back on XXXX/XXXX/2016 I spoke to a guy wanting to verify a debt. I told him to send me the claim of the debt via postal service and to stop calling my phone. They have not complied with this and continue to call me daily. They are calling from several phone numbers : XXXX, XXXX, XXXX, and XXXX.
I wanted to express my frustration with Chase Bank process of processing claims and managing security of customer funds ( checking accounts in particular ). On XXXX XXXX, 2016 I mailed XXXX checks to pay monthly bills. Both envelopes stolen from mail box, checks altered to someone 's private name ( same name in both cases ), amounts altered as well ( same amounts of {$350.00} written ), my signature left intact. Both checks were cashed on the same day XXXX XXXX, 2016 in XXXX closely located Chase branches in XXXX XXXX, WA for the same amount of money by the same individual. This is outrageously out of my pattern of spending which is not monitored at all. I also held Chase visa card and I had similar pattern of forgery which was INSTATLY detected and fraud stopped without financial losses, why same bank does not apply same rules for different accounts? The computer programs are in existence to determine account activity pattern and anything out of ordinary must have raised red flag. Besides that, even looking at electronic images of my checks I can see forgery not to mention originals which BANK has in its possession. It was an easy thing to detect as criminal was not very wise. But the bank clerks were even more stupid to allow for this. When I filed the claim clerks stated it was my responsibility to monitor my money. REALLY? Why would I be so stupid to deposit it in the bank then, I will keep it at home. As a result of submitted claim I now have to wait up to 120 days to get the money back. Really? Bank instantly issued my money to a criminal and law abiding citizens have to wait 120 days? I must have my money back as soon as claim is accepted and affidavit signed. When I requested claims clerk to explain what would be done as corrective action in this case she stated nothing, there are limitations what they can and can not do. Are you kidding me? So there is no quality Assurance function there like everywhere else? Wait for another financial crisis then, nobody will deposit money into your bank soon. Chase must perform preventative and corrective measures like any other industry does for consumers safety and financial stability. I work for XXXX. I can not imagine we blame our customers to monitor their own XXXX. This is outrageous and must be monitored by government. The processes today eventually do not preclude bank form accepting fraudulent checks. The must change then. And quickly.
I applied and received a student loan from XXXXAES. My husband was the cosigner and the only one with income. He was receiving Military retirement and XXXX. He passed away on XX/XX/XXXX. I am unemployed and have been since XX/XX/XXXX. I have spent the last 10 years taking care of my husband. At the present time, I have limited income and not able to make payments. Since I have been out of work for so long I am having a hard time finding employment. I contacted AES they were going to send me a form to complete and return to them for forbearance. I never received the form. I would appreciated any assistance.
Went into branch and asked for payoff on X/XX/17 received payoff of XXXX. Paid off account at that time in person at branch. Branch had me sign a piece of paper with intention to close and payoff and sign- they faxed them to corporate headquarters. Checked status of account a week later and a balance was still showing. Called customer service and they basically said that 's the balance. They stated we never received letter of intent to close. I went into branch again and business banker stated the remaining balance was the banks fault and said he would waive it and ensure account was closed and paid off. Still nothing. Have called customer service 4 more times they say it 's not closed nothing they will do. Been back in branch and they say oh a few more days. Nothing. I want this account closed - I paid it off, I sent letter -- they are keeping it open. Giving me run around. Not good customer service. Bad policy. I have done everything correctly- got payoff, paid amount, sent letter .... they are giving me the run around, not helping.
I was receiving notifications via text to my cell phone number XXXX regarding my auto loan account. Within the text It states " to opt out reply STOP ''. I replied STOP on XXXX/XXXX/15 and received the reply " You 'll no longer receive account mgmt msgs. I have received text messages on XXXX/XXXX/15, XXXX/XXXX/15,XXXX/XXXX/15 regarding the auto loan account.
I've been contacted numerous times by XXXX XXXX XXXX for months regarding a debt I owe. I ignored the calls for the most part because it seemed like a scam from the beginning. However, I finally obliged and called them back requesting additional information on this charge they are collecting ( {$1700.00} ), they did not have any details but promise to send them via mail. Nothing was received, and I communicated to them that I am no longer taking any calls as I haven't seen anything on my credit report on this alleged debt. I check my credit report yesterday ( 2 months later ) and my score had dropped significantly due to a delinquent debt by XXXX XXXX XXXX. I've contacted them several times within the past couple of days which resulted in their failure to provide information, hanging up, unable to provide a valid email address or website, and just very suspicious operations. I've since communicated to them that I have filed various complaints ( identitytheft.gov, FTC, police report ), and will proceed to take legal action if not resolved by them. They have then blocked my calls, or hang up the phone when I use a different contact number of theirs. 
I do not have any documents from them with information on this debt. They have only operated over the phone, requesting immediate payment via credit card.
I received a phone call on my employer 's phone ( I am employed through XXXX XXXX ) at which time I provided my cell phone number to the worker for all future contact. Today ( XXXX/XXXX/16 ) I received another phone call from the company on my work phone.
My mortsgage co. decide to create an escrow account to pay a property tax balance. Then said I hade 12 mos to pay it back resulting in a {$750.00} increase in my monthly mortgage payment. When I constested this with t he escrow dept I was able to spread the pay back period to 60 mos and only $ XXXX increase in payment. This would have been great the the payment dept has never recognized the reduction and continues to over charge me and now are attempting foreclosure.
I request credit report online from Equifax. There is an online identification validation process where Equifax post 4 questions for me to answer. However, the 4 questions were bogus so there is no way I can get it right. The answers for all 4 questions are " none of the above ''. My wife tried the same process and got the same 4 bogus questions. It appears that Equifax deliberately deny request for credit report by failed the identification for consumers. 
I started from XXXX and did not have any problem with XXXX or XXXX.
X/X/2017 I read about the Equifax data breach.
Equifax said to go to https : //www.equifaxsecurity2017.com/ and enter information to see if I was impacted.
Once entering my information it said I was now enrolled in their TrustedID service. There was no option to choose to opt-in to this service. There was nothing warning me this would happen and it 's unlawful to force me into opting-in.
On XXXX XXXX, 2017 Phoenix Financial Services placed an account for the amount of {$82.00} on my credit report in violation of the Fair Credit Reporting Act. Phoenix Financial Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Phoenix Financial Services is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
I entered into a service contract with XXXX wherein, XXXX agreed to provide me internet, telephone, and cable services. In return, I agreed to pay XXXX the agreed upon fee for aforesaid services rendered. XXXX has asserted that I owe arrears of {$590.00} for services rendered and has retained the services of McCarthy, Burgess and Wolff to collect the aforesaid arrears. I have disputed these arrears and in support thereof aver the following : 1. After my service contract with XXXX expired ; I formally and voluntarily terminated my XXXX internet, telephone, and cable service on XX/XX/XXXX ; telephonically, as well as, in person when I hand delivered XXXX 's XXXX Router, XXXX ( XXXX ) XXXX cable boxes, cords, and remote controls to my local XXXX at : XXXX XXXX, PA XXXX ; 2. The returned equipment is itemized as follows : 1 ) XXXX Router : XXXX : XXXX ; 2 ) XXXX Cable BOX : XXXX XXXX : XXXX XXXX : XXXX ; 3 ) XXXX Cable Box : XXXX XXXX ; 4 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; 5 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; 6 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; and, 7 ) XXXX Cable Box : XXXX : XXXX ; 3. XXXX services are prorated and billed one month in advance. I paid my final bill of {$250.00} on XX/XX/XXXX.During the year preceding my XXXX service termination ; I made XXXX payments between XX/XX/XXXX and XX/XX/XXXX totaling {$3400.00} ; 4. After my contract expiration, service termination, and recovering the aforesaid XXXX issued equipment ; I subsequently received email notices dated XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX seeking payments of {$450.00}, {$660.00} and {$450.00} respectively and threatening service suspension. I timely brought this error to XXXX 's attention by certified letter # XXXX dated XX/XX/XXXX ; 5. I received a bill dated XX/XX/XXXX ; from XXXX advising that my account had been disconnected effective XXXX XXXX, XXXX ; and seeking payment of {$590.00} for services rendered between XX/XX/XXXX and XX/XX/XXXX. I once again, timely brought this error to XXXX 's attention by certified letter # XXXX dated XX/XX/XXXX ; 6. XXXX continued to charge me for services that I did not receive and after I returned all the issued XXXX equipment and after I entered into a new internet, telephone, and cable service contract with XXXX on XXXX ; and, 7. Finally, I have credibly clarified the status of my former XXXX account and that I have attempted to notify XXXX as well as McCarthy, Burgess and Wolff of these erroneous records in good faith with no material or substantial response or resolution by XXXX or McCarthy, Burgess and Wolff in this regard.
My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX auto loan XXXX opened- XXXX I 've currently submitted an identity theft report to The Federal Trade Commission as well as disputed this account with three credit bureaus.
Experian, XXXX, XXXX, continue to report an inaccurate account on my report per the attached letter please assist in removing immediately as stated per FCRA law.
I am included in the list of potential victims of the 2017 Equifax cybersecurity incident, which means intruders may have accessed my name, Social Security number, birth date, address, driver 's license numbers, and credit card numbers. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XXXX 2017 through XXXX 2017.
I SENT A LEGAL LETTER ASKING THE COMPANY TO STOP CONTACTING ME AND TO NOT REPORT THIS ACCOUNT ON MY CREDIT BECAUSE ITS NOT MINE AND THEY HAVE YET TO DO SO
I just emerged from a Chapter XXXX. At the start of the proceedings CitiMortgage filed a claim for {$8000.00} in arrearages. The Trustee was to pay the {$8000.00} over the course of the Chapter XXXX. I was to continue to pay my regular monthly payment going forward. The Chapter XXXX ended in XXXX of this year. CitiMortgage claims that I am over {$5000.00} in arrears now. They told me in a letter that they will start foreclosure proceedings on XXXX XXXX of this year. They claim that I have missed XXXX payments in a row. I have sent them bank statements proving that we have made every mortgage payment since the start of the bankruptcy. 

More than XXXX Citi representative has admitted that they have used my regular monthly payment to cover arrearages. For instance. I was told that my first payment under the Chapter XXXX on XXXX went to pay the XXXX arrearage. Payments from both the Trustee and myself have been going to pay the arrearages before anything else. By no means have they separated the payments from the Trustee and myself. 

This is my understanding. " Payments from the trustee or debtor post-confirmation should be applied to payments due from the Petition Date going forward - not to the arrearages. All post-petition installment payments must be applied and credited to the debtor 's mortgage account as if the account were current and no prepetition default exists ( this includes any adequate protection payments received pre-confirmation ). " I have been told by a Bankruptcy specialist at Citi that this is how they do their accounting and there is nothing she can do about it. We entered into the Chapter XXXX in good faith. We made every regular monthly payment. The Trustee made all of her payments. Yet we are coming out of this being made to feel like a common mortgage dodger with a foreclosure looming over our head.
The mortgage company that holds my mortgage has not processed my bankruptcy payments as a credit to my loan nor have they applied all of the " unapplied '' monies to my account. If this were done I would not be behind.
This company Afni , Inc. XXXX. XXXX XXXX XXXX, IL XXXX. They are a debt collection co. They are trying to collect for XXXX XXXX. The Creditor Acc # XXXX. 
The Afni, inc, acc # XXXX. 
I submitted a receipt of pay-n-full to all three credit bureaus and they deleted this account for the amount of {$650.00}. I just received this collection notice on XX/XX/XXXX. I believe they are trying miss up my credit report that I have been trying to build up for the last 6 years. Also, this debt was paid Date : XXXX. I pray that you can get them to leave me along.
RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by XXXX. and Select Portfolio Servicing Inc. hereafter SPS Inc.. 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to XXXX and SPS Inc. on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, XXXX XXXX, XXXX. and SPS Inc. failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by XXXX. at the request of SPS Inc. See EXHIBIT-A. 

4. Please be advised that XXXX XXXX, XXXX. and SPS Inc. is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. XXXX XXXX, XXXX. and SPS after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. XXXX XXXX, XXXX. and SPS, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling SPS Inc. and XXXX to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.
Credit Protection Association has been harassing me foe months now trying to collect a frivolous or fraudulent {$440.00} charge. the reference number is XXXX. Their phone number is XXXX attn : XXXX XXXX. I am having to laboriously submit documentation proving that i am not the debtor. Please advise them to stop calling me and remove my name from their records. I do not want them to blemish my credit. There has got to be a better way for a consumer to not have to prove fraudulent charges.
This complaint is against XXXX XXXX XXXX XXXX XXXX. This company sells a money transfer instrument called XXXX XXXX, which can be used to add money in retail stores, and later to transfer money to general-purpose prepaid cards.

On XX/XX/XXXX, I used a XXXX XXXX ( see Exhibit A & B ) with stored value of {$500.00}, and requested it to be transferred to my XXXX  prepaid card. The company told me the transfer is successful ( see Exhibit C ). However, the {$500.00} has not been added to my XXXX prepaid card ( see Exhibit D ).

Starting XX/XX/XXXX, I have called/emailed the company for several weeks, trying to resolve this issue. They gave a few different incident ids ( the last one being XXXX  ). Each time they insist that transfer is successful, and some random numbers they call it confirmation. However, the XXXX prepaid card denies ever receiving the {$500.00} deposit on or after XX/XX/XXXX.