WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/2017 my wife and I were approached by XXXX through my phone ... they told us that they were in business with XXXX XXXX and that SXXXX XXXX gave them our Information ... So they went on to say that they could have us get inventory through Thousands of Manufactures..without paying XXXX stocking fees , and XXXX said the Manufacutures dont get paid until you get paid ... .that was the first lie we later found out that we paid the money upfront when a customer purchased IN OUR STORE THROUGH XXXX ... .so we had to pay for product first through XXXX website before XXXX would even consider releasing the money ... and then when we paid upfront throgh XXXX the manufacture got all their money ... and we had to wait to be paid through XXXX to release the money to us ... XXXX lied and said they had online Coaches that were their to train us ... said we could easily make XXXX plus a month ... said Because your With XXXX XXXX ... were here to help you to Suceed ... we had no one to help us with learning the program after we paid XXXX to XXXX ... .And as we speak we have sold only 1 product ... NO training, and so we told the credit card company FIFTH Third Bank ... they reversed the XXXX and then the following month reversed it and put it back on our card after we shared with them that we did not get the service st all that we paid for,,, We new that XXXX was doing their job at all ... they later told us to figer it out with videos that were old to learn ourselves after we paid the XXXX ... .Their attitude totally changed..so we were forced through Fifth Third Bank to pay the money ... .and so we later found out that their Manufactures dont have a lot of supply of product they may have 8 items but there may be thousands of sellers downloading that same 8 items in their store on XXXX ... so when a client did want to purchase i was told that the product was gone no longer available and this will get us shut down quickly with XXXX ... look at all the XXXX   reports of the people who filed on XXXX ... we told FIFth third please put back on card but we were denied ... .SO just recently these same people were indorsed by XXXX XXXXk and of coarse XXXX XXXX HAVE BEEN SHUT DOWN AS OF XXXX XXXX ... FTC CAME IN AND CONFISCATED THEI ENTIRE SCAM ... XXXX WAS ON THEIR WEBSITE FOR ALL OF XXXX XXXX CLIENTS ... THEY XXXX  WAS ENDORSED BY THESE THIEVES XXXX XXXX ... SO I INFORMED FIFTH THIRD ABOUT THE RECENT HAPPENINGS..AND WE WERE TOLD ... THATS A OLD CASE AND THERE IS NOTHING WE CAN DO ... AGAIN I SAID NO THIS IS FRAUD AND SO THATS WHEN FIFTH THIRD SAID WE WILL LOOK INTO IT ... BUT I HAVENT HEARD AT ALL FROM THEM ... NO WE WERE RIGHT IN XXXX OF THIS YEAR WHEN WE CALLED FIFTH THIRD TO SAY PLEASE THERES SOMETHING NOT RIGHT WITH COMPANY WE ARE NOT RECEIVING THE SERVICES THAT WE PAID FOR ... AND NOW TO KNOW THEY WERE IN WITH XXXX XXXX XXXX WHERE WE INVESTED IN XXXX FOR XXXX XXXX XXXX ... AND THEY RECOMMENDED XXXX ... .NO RED FLAG AGAIN ... RED FLAG OUR GUT FEELING WAS RIGHT MONTHS AGO ... GIVE US OUR CREDIT BACK ON CARD ...
I have been trying to fix my old mortgage reporting for over a year submitting over 10 letters & documents. 
XXXX reports mortgage derogatory. Enclosed documents from lender directly contradict that report. 
All three CRA 's fo NOT report my succesful history UP TO THE BANKRUPTCY. 7 years of missed reporting. 
COMPLETE HISTORY FROM LENDER ENCLOSED.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I was told  last year by Navient Student loan s that I was unable to make payments mid month and still have auto deduct on my loans to get a .25 % deduction. I was trying to pay more on my loans but was not allowed to. I was also but into forbearance without asking many times and I was not offered  a IBR plan until I went through the federal website. I also had to call many times to get my IBR amount so I could start making payments.
I made a payment but when I asked the representative what the past due was she told m, I was told I had the XX/XX/XXXX payment but I actually had XX/XX/XXXX and XX/XX/XXXX {$240.00} but it {$400.00}. I talked to a supervisor about and he did waive XXXX late fees for me but now I have XXXX credit marks with Elan Financial, I advised the supervisor that I am dealing with fraud, someone emptied my checking account and I am waiting for the bank to put all of that money back, I keep getting asked why the account even though I talked to the supervisor and he states he would note the account. One of the reps lied and said I did not want to make a payment but I advised I was at work and just needed to change the date on my payment. She kept asking about other payment arrangements. I advised I was at work at twice and I did not wish to bring any personal issues at work. I want the credit marks removed and to be put on a pay plan. I am dealing with fraud but Elan did this to me before and I should have the credit marks removed due to misinformation that was given about my payment. This is not my fault and the rep should have given the rght information or ask someone if she was not sure because I clearly asked what was owed,
I had a debit card of Peoples Bank to use their ATM machine to obtain cash. 
My debit card expired and they sent me a new card which I used XXXX times. 
Then in the mail I got a bill for my XXXX transactions and a XXXX advance charge. 
I then found out at the local branch, Peoples had sent me a credit card instead of a debit card. 
I think I should not have to send Peoples {$20.00} because of their mistake. 
After a few hours on the phone a service person did refund the {$10.00} of the first transaction. 
Also I wonder how many other customer had to pay the same for the banks DUMB mistake?
i have been fighting for over year to find the law enforcement agency that enforces these laws, and this is not the first time i have written you. 
this will be the last, letter i write searching for just, and you can do like the XXXX outside my home and find the rest of the story or make up the rest like they doa conversation with the F.B.I. 
still no answers or call backhttps : XXXX is a letter from a brief i sent to then Attorney General XXXX XXXX. 
all consumer issues, and back story of state XXXX actionsXXXX XXXX
I received a letter from a company by the name of Financial Credit Network in regards to a medical bill. I'm not sure who the original creditor is, however I have double coverage of medical insurance. I wrote them a certified letter and advised them that they have the wrong person and not to contact me anymore. After that, I received another collection letter for a different amount. I now have two alleged debts with this company. 

Additionally, I have filed a complaint with your firm in this regard case number XXXX. According to you that have not responded to you either, however they have since sent me two more collection notices. 

Unknown Account Numbers XXXX AND XXXX
Today i went to apply for credit and was told I owed a balance to a company. I called the company and I was told it had been sold, I had to call 3 phone numbers before getting the correct company. I left a voice mail and received a return call. The woman stated she spoke to me on XX/XX/2018 and validated the debt and mailed me the documentation. I advised I did not recall the conversation however I have a lot of things going on. The woman gave several different company names which I never heard of. Sh than said XXXX and I told her I never purchased from XXXX. She said I purchased beds and had old ones removed. She game me a address and I explained I did not live there at the date she was providing. She also stated I paid in the store so that proved the debt was accurate. I advised anyone could have signed my name and she disconnected the call. I called the company back to make a complaint and I was told they would not speak to me any more that they were going to put it on my credit report.
My father attempted to clear a debt with a collection agency. They informed him that he could settle the debt for a specific amount. He received a letter stating that if wanted to resolve the issue all he would have to do would pay the settlement amount. The amount owed was {$1500.00} but to settle the debt. The only amount paid was {$460.00} but my father after paying was threatened that it would negatively effect his credit if he did not pay the full amount of the debt owed.
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX and they are collecting for XXXX XXXX XXXX XXXX XXXX for account XXXX. This account is one fraudulent account included in my identity theft.
My prepaid debit account managed by Blackhawk Network was shut down XXXX months ago. I had $ XXXX on that prepaid card and it is locked. They told me that a check would be sent out, but it has been so long. Numerous phone calls have not been returned. Why are they holding onto my money for so long??
On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018 2. XXXX ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. XXXX XXXX XXXX   ( Auto financing ) inquiry from XX/XX/2018
I wired money to XXXX. Through western union at XXXX XXXX XXXX branch. Date : X/XX/2017 XXXX $ Receiver never got the money after three days of phone calls and long hours on the phone. Very tiring process I finally demanded a refund for my money. They are demanding me to provide the ID of the receiver. How is that possible? The receiver is on overseas and why I need to provide an ID. I told them I will provide my ID as I am the sender and the money belongs to me. This smells scam in order to steal my money. 16 days passed no refund yet
I have been having an ongoing dispute with American Express about my refund. The issue first began XX/XX/2018, when they received a payment of XXXX that they were not supposed to have. They deducted funds from it and held on to my credit balance. The first dispute closed On XX/XX/XXXX and they still have not mailed a check. Instead, they have removed the credit balance so they can lie and say the money was never there in the first place.
I was havng problems and they gaveme a modification. I made the 3rd test payment on themodification and they then said never mind we were kidding your not getting a modification. I 've gone crazy trying to catch up and they have chanrged me almost {$800.00} in fees that I have no idea what they are. it seems for every 2 payments they are taking one payment in fees
I have an existing case number XXXX, but I have more information to add. I made my latest mortgage payment on ditech 's website yesterday ( XX/XX/2017 ) and AGAIN the payment was misapplied to principal instead of to the XX/XX/XXXX due date. I have called them but this HAPPENS EVERY MONTH, regardless of whether I mail a paper check or do a one-time payment online. Please help me stop this cycle from continuing!!!!!!!
Capital One canceled my current Quicksilver Visa card because they claimed to ha e shipped me a replacement card. I had never received the replacement card and discovered my current card was cancelled when I could n't complete a {$20.00} transaction. Nobody had ever contacted me to tell me the card was going to be shut off and a replacement issued. Since I am a truck driver this situation was unacceptable as I need my card on the road. I called into the company received their explanation and was told a card would be overnighted to me. I was skeptical but took them for their word. I then got a call back 15 minutes later saying that I would not, in fact be receiving my card the next day ... Monday but would receive it Tuesday. Tuesday came and still no card. When I called in again I was assured that it was shipped and would arrive be Wednesday. However the company could not provide me a tracking number which leads me to believe it was never shipped.
I have disputed a transaction from XXXX XXXX in the amount of {$320.00}. I did not authorize them to take this from my account. I have gotten my money back for this same type of problem that usaa put back from a business taking it out when I didn't give them permission to. But nobody from usaa will help me get my money back. And i keep getting told different stories from different people at usaa.
I received a letter from a debt collector Lawyers Office stating that I had 30 days from receipt of the letter to validate the alleged debt. I have replied to the Lawyer 's Office, My document is attached.I would like for the those stated as the RESPONDENT in my Notice of Dispute to respond to the dispute letter from me.
On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for EQUIFAX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.
I sent out a certfied HIPPA dispute letter with a mailing receipt to Franklin Collection Service , Inc. XXXX , MS. XXXX on XXXX XXXX, 2017 in regards to a alleged medical bill debt in the amount of {$2800.00}. By law they had up to 30 days to respond and I was told the company is saying they never received anything from me even though I have a copy of the day it was mailed off. This goes against the Fair Credit Reporting Act and violates my rights as a consumer. Below is a photo document of my mailing receipt to the company along with the date it was sent.
A long time ago I switched my phone services from XXXX to XXXX ( who happens to be owned by XXXX ) to lower my cost. XXXX continued to bill me for unknown charges after my switch. I had no legitimate debt owed to XXXX. I have continued my services with XXXX XXXX for more than two years.
I opened a bank account with Ally bank on XX/XX/2018. That same day, I deposited a check from my employer into the account. The check went through and the money was available. On XX/XX/XXXX, my account was locked. I hadn't spent any money or messed with the account at all. I called the bank to figure out what was wrong. An agent asked me to email my passport and a utility bill to XXXX. I sent this information on XX/XX/2018 which was the next day. 
On the same night of the XXXX, I received a phone call from a woman from the bank. She said that none of my information was able to be verified. I was confused and ask why? She said she was unable to answer the question and just that they have their own ways to verify and that my documents were not good. I was still confused and pressed why and asked what I could do. She said I could send in more documentation. While I was preparing to send, I was still very confused about my passport not being good as I have traveled with it and used it for ID many times. After going back and forth, I asked if I could just somehow get my money out. She quickly put me on hold and came back to tell me she has decided to close my account. I asked why she called for more documents if she wasn't giving me a chance to even submit them anymore. I asked if there was any way to keep it open. She said no and this was just a courtesy call to tell me they were closing the account even though she started the call asking for more documents. 

I asked how I would get my money which was XXXX {$4800.00}. I had no fees as I had never used the account yet other than depositing my check. She said I would not get my money back. 

This is the start of my complaint. Why will I not get my money back? She says the bank will give my money to my employer and it is up to them if they want to give it back to me. She said the bank is not responsible to give me my money back. I asked if she could email me some documentation that I could show to my employer to prove that my money was sent to them but she said no. I asked if I could have anything written to prove this conversation happened at all, she said no. 

This is a lot of money for a bank to just take, or to give back to my employer with no proof that they gave it back or that my employer received it. 

I was under the impression from my limited research that when banks close accounts, they must return the money minus any fees to the account holder. I didn't owe any fees, so I think I should be returned my money in its entirety. 

As of now, the bank no longer answers any emails I send and the customer representatives say my account belongs to a woman and I can only talk to her about it. She does not answer the phone and voice mail is not available. 

They have locked all access to my account so I have no way to access any statements or account numbers. All I have is the original check that I deposited and the emails the bank sent me.
I bought my house with XXXX ( XX/XX/XXXX ) who sold the loan to XXXX. XXXX added {$7000.00} to escrow ( XX/XX/XXXX ) with the excuse of taxes. In the midst of adding this fee and raising my FHA loan payment, they sold to LoanCare on XX/XX/XXXX. I never signed a paper or got any documents besides a new address for payments. I started paying LoanCare my original house payment. LoanCare has not credited payments to the account and has put me in default. I received some of these money orders back through mail. They are mutilated and have filed a refund investigation with the US Postal Service. All the while, these people never pick up the phone and I have never received any other communication rather than a bill. Why pay by mail? They charge {$19.00} to pay online and {$15.00} if you do by phone. I never asked to be transferred to this company. They have my address all wrong and I do n't always get my mail. Sometimes they do send it right, some other times they miss the street number and house number. Thus this has resulted in receiving old mail from them three months later. I have paid my mortgage and they refuse to receive my payments. The whole thing is a nightmare. They even want to impose their insurance policy which is XXXX times higher than my insurance policy. I had to provide paperwork three times before they stopped sending me letters. As of right now, all I want is for them to accept my payments, clear their mess and end this mental angst. I worked so hard to put a roof under my children and these people have turned our dream into a nightmare. These kind of companies, like LoanCare and XXXX, need to end their fraudulent practices. Inventing taxes out of nowhere, charging excessively and damaging people 's credit.
This morning a make person came and knocked at my door asking for My daughter. I advised the person she does not live here. Then he asked if XXXX XXXX lived in the property. This person has called me and my husband harassing and trying to get information concerning XXXX. This has been going on for while. Ow they driving in my private property and knocking at my door. THIS IS HARRASMENT. I have told them before and does end.
This is a complaint from XXXX XXXX against National Credit Systems for National Credit 's failure to provide requested information for the debt alleged. National Credit Systems has been reporting two open accounts on consumers credit report that client does not recognize. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d.  Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/XXXX, National Credit Systems responded providing only original statements with no verification that they own the debt or that it was transferred to them. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
I filed a TILA complaint in Fl. state court in XX/XX/XXXX. 
Case XXXX in the Fl. XXXX Circuit. 
GMAC [ non lender or creditor responded without evidence to do so. 
Attached is what OCWEN is trying to do AFTER the XX/XX/XXXX Consent Order.I have tried to get someone from your office to do an XXXX XXXX. XXXX XXXXXXXXXXXX
A previous report was filed because XXXX XXXX refuse to acknowledge request for loan payoff and additional request to report " loan paid in full '' once payment was received. After checking with all the bureaus ... .credit report reflects to auto loans out owing more than 40.0000.00. I request this information to be corrected immediately,