WillisBack/dataset-financial-user-claim huggingface dataset:
Yes i have paid this debt 2 times to two different company 's and they keep selling my information to different company and now there is a company calling saying that they are suing me and going to serve me ppw to go to court i have receipts showing i have paid this debt. The original creditor EZ-MONEY is no longer a United States company. So I cant get a hold of them anymore. The company that keeps calling me with a robo call and putting me on hold is from different number and names they say they are a courier service that wants me to tell them where i work to deliver me paperwork or to call this other number I call them and they are rude and want me to give them cc information. I refuse and they hang up on me. XXXX that's the number the caller id says XXXX XXXX The last time they called the caller id said XXXX same ppl and told me same thing. I have informed them that I paid it and offered to sent them the receipt and they refuse to accept it. Please help me they are calling about 8 times a week.
Coinbase has several wallet types and they accept different crypto tokens. They have terms saying that it is important not to send crypto from a token from one wallet or exchange into a wallet or token different then the one you are sending from. In my case, I sent a token called XXXX to the coinbase BTC wallet. This transaction was allowed to go through however because the wrong token type was sent, the funds did not show up in my account. I understand their terms however they do have the ability with the private keys to reverse this transaction. There are complaints all over the internet. Im not certain of this but I assume they are essentially keeping the incorrectly sent funds. In my case it was {$7000.00} that I can not receive but they have. That doesnt make sense. This type of transaction should not be able to processed if it can not be received. I hope to fine resolution to this but Im doubtful. They are capitalizing off of peoples honest mistakes. Please help. XXXX XXXX
Debt collector from Advanced Recovery Services, XXXX XXXX, deceptively addressed my personal XXXX  debt to myself and my wife. This deceptive, because if this is submitted to the credit bureaus, it will impact my wife 's credit as if this medical debt was her 's -- which is not. I contacted the collection agency in XX/XX/2018 by letter requesting the removal of my wife, XXXX XXXX, from the debt and to cease and desist including her in this debt. I realize this is a deceptive way to collect the debt and cause irreparable harm to an entire family, instead of just the XXXX adult that owns the debt. This is why I gave the agency the chance to fix their error in judgment before submitting this complaint to you. After XXXX, they have mailed further collection letters, continuing to address them to myself and my wife. I have no recourse but to file this complaint with you and request your help in this illegal and deceptive practice by this debt collector and his or her agency. Thank you.
In XX/XX/XXXX I started the process of buying my own commercial building here in XXXX XXXX  Nevada. I had established a relationship with bank of the west. When i sought information about to loan they had me in contact with XXXX XXXX. She had many good things to say about my good standing financially and encouraged me to go for it the rates were great and for sure they would give me a 3 % interest because of it. however when it came time to draw up the doc 's the truth in lending stated 3-5 and 7 % senerieos. i was assured again it would be 3 %. was it? of course not it was 7 %. I should have not signed but the momentum of the move was happening and the guest were excited, so we signed. bank of the west drew up the docs, blanketed everything I owned and We signed. We opted to pay direct to the bank auto withdraw. after 6 years of paying on time we opted to refinance because the rates were better. took it to FIB where they found very little principle was paid down. Wow what a mess the bank had made, come to find out they were undercharging me and not applying principle correctly, ie ... some months as little as XXXX  cents and {$1.00}. we brought it to bank of the west attention and after about a month they addressed us with oh yes our mistake so now since you weren't charged properly you owe us {$19000.00}. payable now or we will adjust your mortgage rate to 5.5 %.

we of course chose 5.5 %. so now its XX/XX/XXXX we heard that rates were going up and my balloon is due in XX/XX/XXXX so i wanted to refinance. but after looking at what i still owed i was taken off guard .... my principle had only gone down {$30000.00}. in 9 years. I looked into it further from every angle and the banks mistake had cost me over {$50000.00}. according to the new bank it is a mess according to my attorney they are malfeasant and unethical. If i fight them they all say it will cost more than {$50000.00}. I own an XXXX XXXX XXXX XXXX. does anyone wish to guess how many XXXX  i have to do to equal {$50000.00}? I am moving forward with the new bank and sending a demand letter. this is clearly wrong, what they have done is steal from me.
Paypal credit made a hard inquiry to XXXX recently. I have contacted them to remove this hit to my credit, and I am having issues getting it removed. I have requested no credit line from them in several years. The person I spoke to advised there is no wat for him to remove this. Now, I can only hope to go through XXXX to get it removed, and who knows how long it could take.
Many times I overheard and observed Collection agents using threatening tones yelling in abusive tones over talking completely abusive to customers who are delinquent in repayments with auto creditors In addition many times company is unwilling to provide documents when requested There are many behind the scene violations which require continued investigations
I noticed that on XX/XX/2018 a hard inquiry was made to amex which I do not recognize at all. I am in the process of trying to improve my credit score and pay off account balances to purchase a home in the future. An amex card is one that I am not even ready to try and apply for. As this is hurting my score just a little bit I would like it removed from XXXX  and any other credit bureau that it may appear on please.
On or around XX/XX/2018, I became aware of Medical Data Systems furnishing negative information to my credit bureau report concerning an alleged past-due medical bill in the amount of {$75.00}. Upon contacting Medical Data Systems, I was directed to the billing offices of XXXX   Hospital to verify the information provided. While contacting XXXX, I spoke with a helpful woman by the name of XXXX ( spelling of this name may be incorrect ) who advised me that XXXX  sent the initial statements to an incorrect address ( where I have not resided for 9+ years ), and that upon payment the negative entry to my credit bureau report would be COMPLETELY DELETED - she advised me that a woman named XXXX XXXX at Medical Data Systems would be personally deleting the entry. Upon receiving this information I submitted payment in full to MDS on XX/XX/2018. Upon calling to verify that the entry was submitted to the reporting agencies for deletion, I was advised it had not and advised to call XXXX 's office again. I contacted XXXX and they, again, assured me that they would work the problem out with MDS. Waiting a week, I then contacted MDS yesterday to speak to this XXXX XXXX and was transferred to a collection floor representative 's voicemail repeatedly over a period of 2+ hours. At this point, in addition to the mis-information provided, I also have issues regarding the Fair Credit Reporting Acts violated by Medical Data Systems and, by extension, XXXX Hospital due to CBR reporting without initially validating the alleged debt in question.
I am writing this notice regarding a 30-day late payment that Chase Bank is reporting on my XXXX XXXX  and XXXX  credit report for the month ofXX/XX/XXXXXX/XX/XXXX. This is truly sad that I must use the services of CFPB to assist me with with an issue that I am having with Chase Bank, however after speaking with them numerous times, and written them they are not truly understanding the real story of my dispute. OnXX/XX/XXXXXX/XX/XXXX my mother lost her house due to the California Wildfires that occurred throughout the months of XX/XX/XXXX throughXX/XX/XXXX throughout the entire State of California.

I live 50 miles XXXX of the City of XXXX XXXX and had to drop everything I was doing to comfort my mother as she witnessed her house that she lived in for the past 37 years burn to the ground. I have no siblings and lost my father at the age of XXXX.

If you could only imagine dropping all your responsibilities to be with your loved ones in the time of absolute need and forgetting about everything as reality stares you in the face.

At the time of consoling my mother I did not think for a moment about my finances, employment, my wellbeing. The only thing that was important was my mother, her health and all her lost possessions completely destroyed in the fire. I stayed in the XXXX XXXX XXXX XXXX for a week forecasting the future for my mother, her displacement, medical needs and everything else an XXXX year old XXXX mother must due on day to day basis.

When I had learned about the 30 day late payment that Chase was reporting to the credit bureaus I panicked and immediately phoned and wrote them the attached letter which to this day they still have not responded to. The representative I spoke with could care less about my personal situation, my mother or even the wildfires that distroyed hundreds of homes. The representative went on to tell me Chase Bank is following the law and if I had automatic monthly payment set up this would not have happened.

I have worked extremely hard to maintain an excellent FICO credit score, I work hard and take care of all my responsibilities and live a normal life. I am shocked and appalled that Chase Bank is taking this position to report the 30-day late payment which is now costing my several thousands of dollars in interest as I attempt to purchase my first home and the lender will not give me the interest rate that was agreed to prior to the 30-day late payment being reported.

I am happy to say my mother survived the fires, however she is scarred for life of all the wonderful memories she had living in her house. She is now residing in an XXXX XXXX XXXX and will remain there as there is no need for her to rebuild.
In XX/XX/XXXX I purchased the vehicle which was on the lot for {$20000.00}, with an interest rate of 17.96 % and other added charges the total amount of the loan was {$32000.00} with my payment being {$630.00}. Since XX/XX/XXXX after getting sick, placed on XXXX XXXX, I 've struggled with the payments, had a number of extensions, yet I 've still paid a total of {$39000.00}. At this time I 'm still having some financial woes and talked to them several times about refinance, to lower the payment, yet told that was n't possible. I feel at this point, having paid the total amount of the loan, plus an additional {$7000.00} this debt should be written off as paid in full.
When speaking with XXXX XXXX on the XX/XX/XXXX, they 're saying I still owe approx 13,000.00, if asking about a pay off, 10 day pay off at that time was quoted as {$12000.00}. I am really in need of this matter being resolved as stated, PAID IN FULL.
I had requested to set up a payment plan since i lost my job, and american express had a agreed to it and still sent a late payment to my credit score even after i paid the bill on time. 


XX/XX/2017 XX/XX/2017 Late Payment Remark after company agreed to payment arrangement
1 ) KeyBank and XXXX are merging. 
2 ) I have a closed MasterCard account that is being transferred from XXXX to KeyBank. 
3 ) I received notification that most of the terms and conditions of my cardholders agreement - interest rates, fees, account number - will not change. The address for payment will change. 
4 ) XXXX key conditions are being changed. a ) The five day grace period for a late payment fee will be eliminated. I can live with that. 
b ) The billing cycle will end on the XXXX day of each month, instead of the XXXX, XXXX or XXXX. Due date will be the same " at least 25 days after close of billing cycle ''. This, combined with the elimination of any grace period, is terrible. It places the due date closer to the end of a month. It is already very tight to get money in time from an account at a bank, where it appears as my income on the last day of a month, to meet a deadline for payment by the XXXX of the following month. Changing this to the XXXX just makes it that much harder. How can this be considered a fair and acceptable change? It, together with the end of any grace period, is an invitation to collect more late payment fees.
I have sent Trans Union requests to investigate and remove unauthorized inquiries from my credit report/file that were not initiated by me and they are not responding.
There are fraudulent accounts appear in my report, please investigate them :  XXXX  -  XXXX    XXXX   XXXX   XXXX   -  XXXX    XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  -  XXXX
I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with? 
I have not signed anything with either of the companies listed above!
Company informed me that they had a security breach and that they were willing to check if my account was affected. I decided to check if my account was indeed affected and entered my information. Without my consent and without informing me of this action, Equifax decided to enroll me into a program with no way to opt out. All of this occurred on XXXX XXXX, 2017 on the website https : //www.equifaxsecurity2017.com.
I went into Kay Jewelers to make a purchase and resize a ring and while there, I was asked if I wanted to open a line of credit/credit card. Multiple times I said no, but they gave me lots of information and confused me and at one point, they said I had to give them my social security number. When I questioned them as to why they needed it, they just repeated to me that they needed it. I did n't know why they needed it and I was confused. I went back the next day with my daughter to cancel the purchase and repair, get my jewelry and money back they said that they needed my social security number to open a credit card. I again told them that I said multiple times, NO I did n't want that, but the manager said that I must have agreed.
ACS/XXXX XXXX XXXX / XXXX ( this was a private loan ) ... ACS began servicing this loan in XX/XX/XXXX. There were never any payments made on this loan. Payments were to begin on XX/XX/XXXX. This account should have been removed from from reporting agencies in XX/XX/XXXX. This information is being reported differently on all XXXX reporting agencies : XXXX : ACS/XXXX XXXX XXXX / XXXX. Reporting date of first delinquency as XX/XX/XXXXXXXX : XXXX - XXXX / XXXX ACS. Reporting date of first delinquency as XX/XX/XXXXXXXX : ACSXXXX XXXX. Reporting date of first delinquency as 60 days past due as of XX/XX/XXXXACS is telling me that I need to contact XXXX XXXX to resolve this issue. XXXX XXXX is no longer in business. All the numbers for XXXX XXXX ring back to ACS. ACS is telling me that they are not responsible for reporting because they no longer have the account.
1. REGISTER LETTER NUMBER ( S ) : XXXX XXXX US ; XXXX XXXX XXXX XXXX US ; XXXX XXXX XXXX XXXX US ; XXXX XXXX XXXX XXXX US. 

( A ) SERVICED ON THE ENTITY : XXXX XXXX  ; XXXX XXXX XXXX ; XXXX, PA XXXX.

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S ) XXXX ... XXXX ... 

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD.

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA.

4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT.

6. KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE.

10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
On XXXX XXXX, XXXX, I checked my credit score which showed a payday loan in collections from Midwest Recovery. 
On XXXX XXXX, XXXX, I tried contacting the debt collection agency by phone to verify this debt check the statute of limitations, original creditor and ask for validation including all transactions. All phone numbers listed for this company are out of order. 
I do not recall obtaining a payday loan. I need this off my credit report. I need this company to verify and validate, they have violated the FDCA.
Please consider this correspondence to be formal notice that your company has failed to comply with the Loss Mitigation Procedures set forth in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX by failing to postpone the scheduled foreclosure sale to complete our mutual client 's loss mitigation review. Our mutual client submitted a loan modification application and your company failed to submit a missing document request within five ( 5 ) business days in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Pursuant to XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX the application was therefore " facially complete '' and was entitled to be treated as a complete application throughout the course of the loss mitigation review. Postponement of the foreclosure sale is therefore required pursuant to XXXX XXXX XXXX XXXX XXXX ).
Transunion Date : XX/XX/2018 File # XXXX Transunion has showing on my credit report error of amounts showing as wrong amount owed as well as amount paid monthly. there is n o balance owed on this account and XXXX XXXX did not report the monthly amount correctly. No {$7500.00}, {$9000.00}, $ {$9400.00}, {$10000.00}, {$10000.00}, {$11000.00} {$11000.00}, Etc was ever owed nor was this the correct amount. There is no money owed this is not correct on original amount nor is the monthly payment paid to XXXX XXXX XXXX correct. 
XXXX XXXX XXXX owe me money back and I have retain an attorney for over payment.
I agreed to settle the amount owed with USAA with their collection agency. The amount I paid was supposed to reflect on my credit report as PAID IN FULL. I disputed this with XXXX and USAA fails to acknowledge the settlement and update the status on all three credit bureaus : XXXX, XXXX, and XXXX. I want this to be removed from my credit report as agreed upon and will provide supporting documentation for this payment and agreement.
hi - everyday i receive calls from southwest credit systems, XXXX for someone else to my tel # listed in desired resolution field. they call every day sometimes 3 times a day starting before XXXX. they were told a year ago the person they are trying to reach does n't live here. i am a senior citizen and this is n't right. Now they call and ring three times and hang up if i do n't answer. It is harrassing they call me for a debt i do not owe. 
collection tele # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
At the beginning of XXXX, I applied online for a Chase XXXX XXXX credit card via a link showing a XXXX bonus miles offer. The offer stated, " XXXX bonus miles after you spend {$3000.00} on purchases in the first 3 months your account is open ''. 

My application was approved on XX/XX/XXXX and I spent over {$3000.00} in the first billing period to qualify for the XXXX miles. 

On XX/XX/XXXX, I checked on the status of the bonus miles and found that the introductory email from Chase stated an incorrect offer of XXXX bonus miles and {$100.00} statement credit upon spending {$2000.00} in purchases. 

I contacted Chase customer service to confirm that I was in fact going to receive the XXXX bonus miles for my {$3000.00} in purchases, and they responded via message, " Unfortunately we would not be able to honor your request. The account does not qualify to make any changes to the rewards. We hope that you understand this decision is the same for all cardmembers. '' I contacted Chase customer service again to clarify that I was not seeking to change offers, but to have the correct XXXX miles offer reflected on my account. In other words, I was seeking to correctly receive an offer that I signed up for, not to change from an offer I signed up for to an offer that I did not sign up for. 

Chase customer service was unhelpful, even after I showed them the screenshot of the offer I clicked on ( attached ), and repeatedly stated that my account did not qualify for " changes ''.
I was involved in a scam. The scammer had me do a Ria XXXX to XXXX transfer to a another person. I tried to contact company to see who picked up money. But no response. I transfer {$1000.00} XX/XX/18 at XXXX. To someone in XXXX SC. I want my money back. I know a long shot but I dont want anyone else have to go through this.
Early in XXXX I paid a vendor who submitted the payment as a cash advance. The amount was around {$31.00}. In XX/XX/XXXX I made 2 payments totaling {$1200.00} to Capital One which should have paid that small advance and stopped any cash advance interest. As of today I am still being charged for that cash advance in the highest rate of interest on the account. I called and spoke to two separate individuals requesting that they stop changing me that interest and they both said NO. The amount is small only about {$4.00} total but the fact that they have not abided by the CARD Act and used that very large payment to pay off that cash advance is not right. It is my understanding that any amount paid over the minimum payment due should be applied to the highest APR items on the account. Capital One should give me back the interest I paid since XXXX on the cash advance and apologize for not abiding by the requirements of the CARD Act.