WillisBack/dataset-financial-user-claim huggingface dataset:
My identity has been stolen. I 've gotten letters from XXXX saying I owe {$85.00}. I called XXXX and they said I do n't owe them anything, and I have n't been on there for awhile. My last letter was from a collection agency called Allied Interstate.they gave me 30 days to pay them, but I do n't owe XXXX. I called collection agency he answered Hello. That was not how you answer the phone as a collector. He was XXXX I barely could understand him. He had my address and he said " is your address right ''? he said is that a yes.? I hung up the phone. The number I called that was on the letter was XXXX.
I received a call on XX/XX/XXXX from XXXX stating in a very abrupt manner " You have XXXX hour to contact XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX concerning a legal matter and failure to due so will result in Garnishing of your wages and seizure of your home and car. I immediately panicked and contacted the number. I was placed on hold for several minutes then a representative got on the phone and stated that I owed about XXXX to a bank in XXXX, Ohio they said I opened an account with and needed to set up a XXXX dollar a month payment plan before the end of our call in order to stop the wage garnishment and other results. I explained to them that I did remember using this bank over 7 years ago but I do not believe I owed them that much money because I recall closing out the account. I also asked why they never sent this information to my address and they stated they sent the information to my last publically recorded address. I told them that I had not lived at that address since XX/XX/XXXX and could they please send the information to my new address. They responded no and that the bank had done there job by law because they sent me the letters to my last recorded address. They also stated that I could not be sent a copy of my charges because they had already done so. They also stated to me that I could not contact the bank for these charges until after I made my first payment. Therefor, I acted on impulse and fear and gave them my debit card number. After speaking to my relatives I learned that this same fraud calling number had been all over the new for fraud tactics. I then attempted to call back the original XXXX number but was redirected to a XXXX voicemail and when I attempted to call back THE XXXX number, I was placed on hold and no one picked up again. Therefore I called both numbers back and left a very irate message requesting to be removed from there calling list. I also contacted my bank to request they block the card and send me a new XXXX. On XX/XX/XXXX I received a call from XXXX stating they were unable to pull the payment from my account. I explained to them that I canceled the card and the fraud tactics they were utilizing left me with unanswered concerns, and they stated they had done all by law they had to do with explaining to me my charges and to remember to appear in court once I receive the court summoning letter.They also stated that I would be responsible for over XXXX in collections after the court appearance. Is this correct? Can they really take this type of action by garnishing my wages and seizure of my property?
I was tricked into a negative amortization loan in XXXX. I did not really qualify but my loan officer told me they would " make me '' qualify. I purchased a home and got a loan that was way over my head. When I requested to refinance out of the loan the same loan officer said it would cost {$48000.00} to buy myself out of it. In XXXX I started a loan modification with the original servicer, Aurora, but they never completed my review, kept losing my papers, etc, etc. I finally received a loan modification from Nationstar in late XXXX XXXX as a Tier 2 modification. It was still something I could not afford, but I borrowed money to make. I borrowed from my XXXX, my pension and even my parents. In total upwards of {$50000.00}. Now I am having difficulty again, but Nationstar will not review me for another modification even though the government program allows for it. Nationstar states that the " investor '' refuses to give another modification.
I was approved for a 12 month Unemployment forbearance plan for my mortgage starting on XXXX XXXX. On XXXX XXXX, XXXX it states " Your payments may not be accepted until the signed agreement is received in our office ''. Enclosed are monthly statements from the mortgage company showing my payments have been applied and posted. I received a call XXXX XXXX from a new relationship manager, If there was an compliance issue at that time should I have not been told or aware of. After 5 months of consent cooperation, I received a notice that my account was denied due to necessary information not received that was previously requested. I than had 14 days to appeal this matter. I appealed the matter and Appeal request decision remains unchanged. In XXXX XXXX, I received XXXX XXXX back with stated reasons. I have submitted another Unemployment Forbearance since XXXX and still no decision. The Mortgage company has me just sitting around waiting feeling like a sitting duck waiting on Foreclosure of my home. I have offered to make my monthly payments and was told if its not 6 months are more it will not help me to sit tight and wait for a decision to be made. In the Appeal decision it stated that my relationship made could not contact me about this issue, I spoke to both relationship mangers in the months in question and feel like my mortgage company is in BREACH OF CONTRACT. Enclosed will be all supporting documents.
Portfolio Recovery is reporting an account as open when it was paid in full inXX/XX/2016.

In addition, they are reporting this account as 1.Factoring account 2. Updating it monthly 3. Reporting an open date, I signed no contract.

4. Reported after full payment on account 5. Refuse to close account after several disputes.
I had a checking account with my girlfriend. Her ex husband had an account there also with her name on it. His account was over drawn so they took my money out of my account for his debt owed to the bank. I want all my money back his debt has nothing to do with me.
On XXXX XXXX I received an email thanking me for a recent transfer I had made through moneygram, since I had not made a transfer through their service for at least a year and a half I called them to inquire about the email. They told me they could not tell me about any recent transactions, and that they had closed my online account for security reasons I asked them why they closed the account they said they could not tell me. I checked my bank and my credit cards and there had been no withdrawls for moneygram so I assumed it was a mistake. Then, today I I received XXXX collection letters XXXX for online transfers that I was alleged to have made via my moneygram account on XXXX XXXX 2016. I called moneygram they said that they could not tell me who initiated the transfers, but they were made on my account so I needed to pay for them. I explained that I had not logged into the account for over a year and that no transactions have appeared on my bank or credit cards. They claim that I 'stopped payment ' but will not tell me who the money was sent to, or what account they attempted to charge ( there were no attempts to charge either my bank account or my credit cards ) I told them that I could not even log into my account to check and see the details of these transfers I had allegedly made and they said that was too bad but it was there policy not to give out information. They are apparently affiliated with telecheck who sold the collection account to XXXX. Moneygram just keeps telling me to complain to them or call my bank. My bank has nothing to do with this and both XXXX and XXXX want my bank account number, social security number and driver 's license number before they will talk to me, none of that information is relevant to this. Can you help me?
On or around XX/XX/XXXX " XXXX XXXX XXXX '' doing business as XXXX XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX, TX XXXX requested an unauthorized copy of my credit report from XXXX ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX ) On or around XX/XX/XXXX " CITIBANK N A '' with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX On or around XX/XX/XXXX " CITIBANK N A '' doing business as CitiBank with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX PA XXXX requested an unauthorized copy of my credit report from XXXX and XXXX On or around XX/XX/XXXX " XXXX '' doing business as XXXX requested an unauthorized copy of my credit report from XXXX, XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX, XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX DE XXXX requested an unauthorized copy of my credit report from XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX '' doing business as XXXX XXXX XXXX with a corporate address of XXXX XXXX XXXX XXXX XXXX FL XXXX requested an unauthorized copy of my credit report from XXXX, XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX XXXX ( Dealer Services ) requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " CITIBANK, NA '' doing business as Citibank with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX IA XXXX requested an authorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX On or around XX/XX/XXXX XXXX XXXX XXXX with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX "  XXXX '' doing business as XXXX with a corporate mailing address XXXX XXXX XXXX XXXX , PA XXXX requested an unauthorized copy of my credit report from XXXX , XXXX AND XXXX
Trans union is reporting a bankruptcy on my report, I called the court, the court does not report this information, not now not ever, trans-union received this information from a 3-party reporting agency, I request it be DELETED, ASAP.
I obtained a payday loan from XXXX XXXX XXXX in XXXX AL. I settled the payment XX/XX/XXXX for {$250.00} with the third party brought in by XXXX   XXXX XXXX called XXXX XXXX XXXX. XXXX XXXX XXXXXXXX began contacting me through, XXXX XXXX XXXX, again in XX/XX/XXXX. The company constantly called harassing me over the debt that I advised was settled. XX/XX/XXXX. XXXX XXXX  XXXX put this item on my credit report as collection. I would like action against XXXX XXXX XXXX for unfair practices and the item removed immediately.
I am a veteran and am currently in foreclosure. I had to quit my job as I was not able to get my XXXX due to medical reasons. I then moved to California to get assistance in obtaining employment. My income was now minimum wage, then my XXXX took a spin for the worse and now I am doing XXXX three times a week. I now have no income and now I am going to lose my home. I have not been offered any assistance in keeping my home.
-Applied for the Double Cash Rewards credit card from Citibank on XX/XX/XXXX.

-I had my credit frozen so I had to speak with a Citibank representative after unfreezing my XX/XX/XXXX credit report.

-I received my card on XX/XX/XXXX. I quickly activated my card via the Citibank website and verified my identity using a text message code sent to my mobile phone. 
-I tried to activate my card for XXXX that same day, but I was asked by Citibank ( through XXXX XX/XX/XXXX ) to call for verification. I did not call that night due to how late it was. 
-I called today, XX/XX/XXXX and spoke with a representative who after taking several identifying bits of information, told me that unless I had a landline they could use to confirm my identity they would have to send a letter to my address to verify who I was. The representative assured me that this would only be for XXXX XXXX. After speaking with the representative, I checked my Citibank mobile app and was greeted with a message that directed me to contact Citibank Customer Support ( after just hanging up with them ). I called back and spoke with a different representative ( who asked me the same identifying questions ) and he told me that message was solely meant for XXXX XXXX and that I would be able to use my card normally for in-person and online purchases. 
-I tried to use my card at a restaurant twice and both transactions were declined. Upon calling Citibank customer support back, I was informed that ALL card transactions would be blocked until I verified my account via the verification letter. Even though I had only had my account less than two weeks and activated the card through all necessary steps I was still somehow flagged for this archaic security process. I wanted to share my experience so that others would know what to expect from Citibank.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX were only reporting me late. There was definitely an error on their part. I was never 30 days late.
I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : NATIONAL CREDIT SYSTEMS Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).
My complaint is against XXXX/Mellon XXXX and involves both the the posting of information about balances on XXXX accounts ( by XXXX ) and Mellon 's assessment of overdraft fees. On XXXX XXXX, 2016, I wrote a check to XXXX, which reduced the balance in my account to XXXX. The balance as posted on the website was {$11.00}, and I wrote the check for this amount. The check was returned by Mellon on XX/XX/XXXX, and I was charged an overdraft because in the interim, I was charged a service fee. There was no posting of this fee on the website on XX/XX/XXXX ; nor was there a notice that this fee would be charged. The bank posted no dates on when service fees are charged. According to the bank, service fees are charged at the end of the month ; this was the beginning of the month, so I assumed my balance reflected the most recent service charge. I phoned in a complaint to XXXX ( XXXX ) ( # XXXX ), which forwarded it to Mellon. XXXX days later, on calling, I learned that Mellon had denied my request to cancel the overdraft fee and levied a second fee, while my complaint was being processed! I now owe Mellon bank {$44.00}. XXXX in overdraft fees. In short, XXXX. Mellon/ XXXX XXXX does not run a transparent website for check-writers. It 's impossible to ascertain when Mellon 's fees will be assessed ; XXXX. Mellon continues to assess overdraft fees while case numbers ( i.e., complaints ) are open.
When signing up for loan through Sun Trust Bank, advertised as allowing auto-payments with a reduction in interest for using auto payments. No asterisk or fine print associated with this claim on their website. Still seen here : https : //www.suntrust.com/XXXX " 0.25 % interest rate reduction for auto pay. '' Today I called and spoke to both the Lender ( Sun Trust Bank : XXXX ) and the loan serving company XXXX XXXX XXXX XXXX : XXXX ). Both informed me that automatic payments will not be accepted on my loan because I am paying interest-only while in school. They state that their computer system can not handle this. Clearly this is a deliberate predatory practice designed so that customers will forget to make manual monthly payments, so that the company can collect late fees and additional interest.
When I last spoke to a representative from Navient, I was told that the previous program I was on, where {$150.00} was automatically deducted from my bank account, was no longer around and that lower interest rates were no longer in place. As a result, the monthly payment is much higher than what I can afford. I work two XXXX  jobs and my third job is at a XXXX, so my wages aren't all that high and can be somewhat variable. Nothing I say to them seems to get through that the payments needed are too high and it's incredibly frustrating. They have since tanked my credit that I've worked really hard to bring up. 
I don't really know what else I can do.
On XX/XX/XXXX and XX/XX/XXXX I received notification from XX/XX/XXXX that XXXX XXXX XXXX XXXX had placed a collection on my account for a previously disputed amount of {$830.00}. Not only did I clear this matter with the original debtor XXXX, but gave notification to XXXX XXXX XXXX in XX/XX/XXXX via phone call that this was a fraudulent debt. Also, the debtor received a letter of clearance from the outsourced debtor ( XXXX ) absolving me from any further liability. When I have attempted to contact XXXX XXXX XXXX XXXX, they no longer are taking any phone calls and are not able to be easily reached.
I was covered by the indigent/charity care program at the hospital and have been told by hospital there is a {$0.00} balance
IN REGARDS TO : NAVIENT XXXX XXXX XXXX XXXX, PA XXXX I HAVE DISPUTED WITH XXXX ABOUT THIS ACCOUNT SHOWING UP ON MY CREDIT REPORT AS IF IT IS MINES WHEN IT IS NOT. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED. I HAVE SUBMITTED THE PROPER DOCUMENTATION TO THE CREDIT BUREAUS REGARDING THE FORGERY AND IDENTITY THEFT REPORTS FROM THE POLICE DEPARTMENTS AND THEY STILL REFUSE TO COMPLY WITH THE FCRA. ONCE AGAIN I STAND AT A STAND STILL I HAVE NEVER HAD A STUDENT LOAN WITH NAVIENT OR DONE BUSINESS WITH THEM AND FRAUD HAS BEEN COMITTED TO OPEN UP AND ACCOUNT IN MY NAME UNDER MY CREDIT SO REMOVE THE ACCOUNT FROM MY FILE IMMEDIATLEY.
Hello, I got a copy of my credit report showing a collections with this company, XXXX XXXX XXXX in the amount of {$210.00}. I sent out a validation letter to this company on XXXX requesting validation as it falls under the FCRA. ( validation is a lease or contract signed by me ) I have yet to receive any of this. 

I'm now requesting you step in and demand this and if they can not provide it. Please delete from my credit report.
Experian is reporting the wrong address on my credit report. It is being reported that I live in XXXX, Maryland and this is not true. I have sent copies of my Driver 's License to Experian over the past couple of months and they still have not updated my credit record. I need Experian to report the correct address on my credit report. My correct address is : XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. I am including a copy of my driver 's license as an attachment so Experian can process my request. I have sent this multiple times so I do n't understand why this has not been fixed.
I canceled our service with XXXX XXXX months ago. The 2 years equipment leasing contract had expired back in XXXX of 2016. Earlier last year they were promoting an upgrade to XXXX service. All of the promotional information on tv, on our statements, or provided directly from the customer service representative stated no contracts or extensions of current contracts for the upgrade. When the tech showed up to add the connector to our existing box, he also confirmed no contracts. Going forward there was nothing reflected on our statements, as had been in the past either. Well the service was lacking and their pricing for viewing packages continued to increase. We decided to cancel, and never received our final bill. I had paperless billing which means you can only access your statements online. However, once you cancel, you can no longer access your account! it took months for a representative to finally provide me with the final bill. Much to my dismay, it showed a contract cancellation charge, which never should have been. I have tried for months to get this corrected and get my true final billing. Unfortunately it is nearly impossible to speak with someone that is not in an off-shore call center and they just repeat scripted responses! I was told finally that apparently once XXXX XXXX has your digital signature on file, they apply as they see fit! this is completely unscrupulous! There was never to be a contract for what turned out to be a joke of a XXXX upgrade! I am demanding that they provide me with the correct final bill, so I can pay.
since XXXX franklin has been reporting that i owe {$420.00} to them. i have asked for validation which would include my signature on a contract showing that i have done business with them or XXXX and they have not sent this in 6months. i have informed them that i have been the victim of id theft and they have not fixed the issue that i have been disputing. attached i will be including the ftc id theft report as well as a evanton police report verifying that i was the victim of id theft.
My foreclosure was finalized XXXX XXXX 2007. There was no activity since this date however, Experian only is still reporting it on my credit report which is causing me an issue with getting a home loan. I demand that Experian removes this XXXX year item from my report right away.
Hello. I received a collection notice. I put in writing ( within 30 days ) that i dispute the debt. I requested proof of debt. They did not respond to my letter. I never received proof of debt. Now this collection account is on my credit report.
I understand things sit on your report after a file A XXXX I have complained about couple years still sitting on my report its unfair for my score to be low after this fact. I barely use my credit. I even sent in personal information to prove this problem. Its not fair if u fix a problem things still sit on your report still
" XXXX '' has called my roommates number every single day, has called my number several times a day, has called my mother and brother-in-law several times and has also called me at work at the hospital more than several times. On one occasion she spoke to me, so she knows that I am aware of the debt, and I ca n't receive personal phone calls at work. Yet she still calls, even today ( XX/XX/2016 ). She refused to deal with the credit counseling company even after I signed a power of attorney for them to negotiate my debt. I told her I was going to seek the advice of counsel for all my debts to see what I should do, and she spent 30 minutes on the phone telling me why I should n't do it while I was at work. I ca n't tie up the phones so doctors and other XXXX or the XXXX ca n't get through to get results. She obviously does n't understand that. She was told again today by the XXXX manager that I ca n't receive personal phone calls at work.