WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX XXXX account with my XXXX XXXX children, XXXX XXXX and XXXX XXXX, and my husband XXXX. We are all authorized to use this phone account to get a new phone when necessary or have a phone fixed. If they were n't authorized they would have to have XXXX call each time they need to do something with their phone for permission from me the head person on the account. My daughter, XXXX bought an Ipad on a XXXX account she set up with XXXX. I knew nothing about this account until I tried to buy a car and did n't qualify for a low interest rate because of a default loan from XXXX. I came home and called XXXX to ask about this item on my credit score thinking it must be a mistake. At this time I did n't know it was XXXX that had set up this account. XXXX told me that they could n't talk to me about this purchase because it had been turned over to a collection agency and I 'd have to wait to hear from them. This happened XX/XX/2015. The collection agency of McCarthy, Burgess and Wolff called me XX/XX/XXXX or XX/XX/XXXX about this loan. This is when I found out it was my daughter that had defaulted on the loan. I have never received anything in writing from either XXXX or the credit collection agency. XXXX never sent me a bill and the purchase amount never showed up on our XXXX phone bill. I still have nothing in writing from the collection agency even though I have asked and they have said they would sent a letter explaining. McCarthy, Burgess and Wolff said they would go back to XXXX for us, then called back and said they had received a response from XXXX and I never saw that information either. I was just told to pay the bill. We have no proof that who called us or who we call is this collection agency. I still do n't know how much the Ipad cost or what else is on the bill. I was told that there is an XXXX % collection fee. How can I be harrassed and responsible for this bill when I have never seen a bill or even what exactly I would be paying for if I paid this bill? 

Thank you for any help you can provide. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX cell XXXX
Hi, In 2009 We did a shot sale on my real estate property ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), not foreclosure. In my account it 's showing as foreclosure. Please find the attached prof of document. 

Please investigate and update my report.
We have unathorized chargebacks for the amounts of {$1000.00}, {$1900.00} and {$900.00} done to our PayPal Account Transaction IDs : XXXX XXXX XXXX We received these amounts from XXXX XXXX as a payment for renting our house. After the guest left and we payed back the security deposit, we received an email from Paypal that these transactions were unauthorized and charged them back. Paypal did not provide any evidence, justification or dispute letter to justify their one sided decision. They did not request our response to any dispute about these payments and simply withdrew the money. 

We tried to call and email multiple times and sent email to paypal XXXX with evidence of a rental agreement with the amounts that proves that these payments were correct. We did not receive any reply or response. When calling paypal customer service we got different answers from agents. One agent said was that the funds will be refunded, but we never got them back. Then we called again and another agent said that the case is closed. 

Despite the fact that we provided evidence of the rental agreement, payment that were issued, photos of the person staying in our house, details of the deposit refund and more, we have not received back the amounts, nor we got any response or explanation of the chargeback except for the initial " unauthorized transaction '' notification. Paypal has no right to chargeback money without requesting a response from the account holder and then ignoring our emails, or provide wrong and contradictory explanations on the phone. 

There must be a clear procedure of discussing payment disputes, if there were such, with the person who received the payments. The " unauthorized transaction '' decision that was done without requesting any response or give us a chance to contest it is outrageous and illegal. We can prove that the funds were received according to an agreement and we demand to be refunded immediately.
I told them that my husband just left me with all the bills. I am in debt and that I would pay them off within a couple of months, and they won't stop calling me on my cell and at work.
Hello, We members of Naca.com ( XXXX ) have been trying to close on a house going on 60 days. It is not our fault Naca people keep inputting the wrong information in our file every other day. No one at Naca is fully reading our file and updating it correctly. We are out of extensions and now in a hotel ( family of XXXX and XXXX dogs ). Our lease was up on XX/XX/XXXX. I need your help please. We are about to lose our " Earnest Money " to. This is out of the XXXX office. Our mortgage counselor is XXXX XXXX who went Ghost on us last week. The office manager is suppose to assist us and is not doing a good job at getting us a closing date. HELP.. The XXXX XXXX XXXX is our lending company. <P/>XXXX XXXX XXXX NMLS # XXXX NACA Neighborhood Assistance Corporation of America XXXX XXXX XXXX, XXXX XXXX XXXX , Georgia XXXX www.NACA.com America 's Best Mortgage! <P/>Regards, XXXX XXXX
I have a Chevron/Synchrony Bank credit card. I had auto-pay set up to pay the minimum each month, so that I would n't be late on any payments. XX/XX/2016, I closed the bank account which used to make payments. I logged into my Synchrony account, and updated my payment information to my current bank account, and paid the existing balance on the account, which cleared my bank on XX/XX/2016. 
Today, I received a letter from Synchrony Bank notifying me that they were closing my account due to " a number of dishonored payments. '' I called Synchrony Bank, and they told me that they had tried to make the minimum monthly auto-payments from my old bank account, but that they were returned. These returned payments began XX/XX/2016. 

This is the first notification I have received from them regarding any dishonored payments. I was not notified that there was a problem. If I had known this when it first started, I would have taken care of it immediately. 

I am not really concerned with continuing to use my Chevron credit card. But I am concerned with how this closed account will affect my credit score.
I am trying to close a safe deposit box and saving account and the bank is completely unresponsive. We emptied the box on XXXX XXXX, but did not have both keys with us. We do not live in the same state as the safe desposit box. I mailed the keys to the bank on XXXX XXXX explaining that we wanted to close the safe deposit box, gave my cell phone number and my husband 's number. They did not respond. I contacted their online help system and exchanged emails. They were able to confirm that the keys were received, but that the box was still on my account. They gave me a number to call which was just a recording saying they would respond within XXXX hours. They did not respond.
From XXXX XXXX XXXX, my paychecks were garnished for a tax debt owed to the City of XXXX, OH. The amount garnished was a little over {$3000.00}, and the debt was paid in full. The garnishment was initiated and collected by Weltman, Weinberg & Reis Co ( WWR ). 

WWR is now attempting to again garnish my paychecks for the same debt, in the amount of {$770.00}. 

This debt was paid in full and this second garnishment attempt is a clear violation of the Fair Debt Collections Practices Act.
XXXX XXXX. In XXXX XXXX Bank of America who holds my Visa card, acted in collusion with Bank of America Mortgages, and arbitrarily reduced my credit line to about {$50.00} over my current line. As you know, this has negatively affected my credit score which for the past several years has been negatively affected by Bank of America and its lack of sufficient documentation and lack of clarity on loan amount. My mortgage loan balance is approximately {$12000.00}. Bank of America has returned several ( XXXX ) payments to me, thus showing on their ledgers an unpaid month, then in turn, they charge me with late fees and penalties.
On XXXX XXXX, 2012-I filed for Chapter XXXX due to multiple issues. The mortgage on my property was under XXXX. In the Bankruptcy process they sold the mortgage servicing to a company XXXX XXXX  XXXX. My Chapter XXXX is final this month and I am selling the property. Upon Title search, a second mortgage surfaced-This was also through XXXX. This second mortgage did not appear on a credit report nor did it come forward during the Chapter XXXX processing. This company is Real Time Resolutions who is a debt collector that XXXX has assigned this second mortgage collection to and they stated this is an open account and interest has been accruing. XXXX has been underhanded in not coming forward for the Chapter XXXX and I want to further understand how I can move forward against them. I understand they are currently under investigation and I will be starting a lawsuit as now I am losing potential buyers due to the deception of this company. Please assist.
In XXXX of 2018 ( I'm not sure of the exact date ) I ordered a eliptical machine from XXXX. Which was financed through TD Bank which is the credit card company. A few weeks after I recieved the merchandise I realized that it was literally bad on my knees, so I called and returned the elptical and ordered a treadmill. Mind you it literally took them almost to pick up the eliptical and then longer to deliver the treadmill. Once they finally picked up the treadmill. I realized that it would be very difficult to move the treadmill around to another room. Despite the commercial saying that it was concviennt and could be stored in any room. So again I called and had them return the treadmill. Which again took almost 2 months for them to pick it up. Now I look at my statements and my credit report. Which says that I maxed out ( well almost maxed out my credit limit of XXXX with TD bank. And then I get statements saying that my balance is XXXX because I never returned the treadmill and then they have the nerve to charge me a restocking fee in the access of XXXX and something dollars when It took them months at a time to pick up the return!!! I filed a dispute and still no resolution!!!! Fair warning do not do buisness with XXXX XXXX!! or TD bank for that matter
I has a credit card through wells Fargo and I maintained payments until wells Fargo raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX
Submitted to Kohls Department store a request to remove XX/XX/XXXX and XX/XX/2014 30-day notices on all three credit reports as they were placed in error. I did a follow up call and spoke to a XXXX-Supervisor who agreed that I Kohls received three payments from me in the same month and probably did not apply them correctly ( one for XX/XX/XXXX, another for XX/XX/XXXX and a third for XX/XX/XXXX ). I believe this was human error as I made the payments for each month. Additionally, I am requesting a credit on my account for two late payments as they were made and payments were inappropriately applied.
I received a discharge on X/XX/2009 for total XXXX and never heard anything from Navient only from XXXX ..Navient has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,
I learned from a recent credit report that ENHANCRCVRCO is showing as a collection account and is trying to collect a debt in the amount of {$400.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.
On XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus XXXX, XXXX, XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.
I received a letter from a company American Coradius International LLC claiming that I owe debt to XXXX, XXXX Account Balance is showing {$130.00} My current balance with XXXX is XXXX dollars and I 've never had any issues with XXXX . At the same time XXXX does not seem to be taking this issue seriously. The letter I received from a debt collector seems to be a straight up extortion. Claims that if I do n't respond to the claim in writing within 30 days, the debt will become valid. 

I 'm not going to respond to them as I believe it 's a scam!
On  X/XX/17   , I went to  XXXX   XXXX , unfortunately, during a service on my car, and spoke to  XXXX   XXXX , a manager in the sales department. I told him that I was not going to buy a car on that day, but he said that he would have to run an " inquiry '' into my credit, but to be rest-assured, it would not affect my credit. My  credit score  was  XXXX  before  XXXX   XXXX  lied to me and then went down after the inquiry to  XXXX . I never authorized  XXXX   XXXX , or  XXXX   XXXX  to " run my credit! ' I would like to have my credit inquiry taken off of my credit history from  XXXX   XXXX  forthwith.     Thank you.
Over the past month and a half I received 2-3 phone calls every business day between XXXX am through XXXX pm. When I would call back they were rude, demanded payment, and threatened to deduct my pay.
I started a mortgage process with the Fifth third bank to buy a house in SHORT SALE. 
This lender received all my documentation, give me the preaproval letter, good faith estimate, and ordered the home appraisal, charging my credit card. 
BIG MISTAKE!!!!. it was a short sale.The formal process can not start until the receiving of the approval letter from the seller 's mortgage Bank. - meanwhile the loan should be in a pending status. 
The ordered appraisal was done 30 days before receiving the approval letter. at this time was expired. So, it was supposed to be redone. When they realize their mistake, never answer my phone calls, or e-mails again. The last communication, 20 days before the closing day was " we have to start the process again ''. Even if I give my authorization to do the home appraisal, it does not mean that this could be done without complying with all legal requirements. I do not have to pay with my money for their unforgivable mistakes. 
I sent an e-mail, and certified letter to XXXX XXXX, Vice President Area Sales manager ( XXXXXXXXXXXX - XXXX XXXX XXXX ) requesting my money back. He never answer.
I opened a checking account with HSBC in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX they are telling me that I haven't used the proper link. I am CONFIDENT I have used the proper link. This is ridiculous, they have the worst customer service. Before giving me this nonsense answer they were telling me they need my application number, why would I have this, thats their internal information, I am giving them account number now. 

However, I used the proper link and this makes no sense, please get it resolved
I have an inquiry by the name of XXXX. I dont ever recall applying for this account without any consent. 

This does not belong to me. I have no relationship or account with this creditor
The interest rate and charges are WAY to high, I have been paying my loan for years, 8 to be exact and it has not even put a dent in my balance. I am getting no where on this, and don't see the light at the end of the tunnel, I am very frustrated. Please help me! Also, not to mention, this is the 3rd time the loan company has switched or transferred names.
On XX/XX/2018 I initiated a wire transfer from my Bank of America account to my overseas forex account using my online portal. The transfer was rejected by the receiving bank because, by policy, XXXXXXXX XXXX can not be used as a corresponding bank. I called Bank of America 's wire transfer department and asked them how I could specify XXXX XXXX as correspondent bank for the transfer and they stated I needed to go to my bank branch to make the transfer. On XX/XX/2018, I did this, sat down with a banker and specified in the " instructions '' portion of the request, XXXX XXXX was to be used as correspondent bank. Bank of America, again sent the transfer using XXXX XXXX as correspondent bank despite my instructions. The wire transfer again failed. Each time, Bank of America charged me {$45.00} and the receiving bank charged {$35.00} for the return. 

Convinced that they are incapable of handling simple instructions, I took matters into my own hands, by having them execute a simpler domestic wire transfer to a bitcoin exchange where I will manage the transfer in bitcoin by myself.
this debt was paid off in full on XX/XX/2017 please update the truth this doesn't reflect that I infact paid it off
I have given permission to my son, XXXX XXXX to handle all of my financial affairs which is noted and accepted by Wells Fargo. Obviously I have been taken advantage of at least once already. I am an elderly woman who comes from a generation where we were taught to trust our banks. Obviously I made a huge mistake trusting Wells Fargo and XXXX XXXX. As I have previously stated, the most important part of deciding on an HECM loan is understanding the complexity of said loan. Most seniors and adults of any age have a very difficult time understanding Reverse Mortgages. Most HECM loans require intense counseling to understand XXXX pages of critical information pertaining to the pros and cons of a Reverse Mortgage. That 's where the lender should step in to not only help the senior find an approved counseling agency per the Office of Elder Affairs. The XXXX of Massachusetts still cautions seniors on getting a Reverse Mortgage and recommends that each senior bring their own lawyer to the closing. Apparently Wells Fargo seized this opportunity to con my my mother into signing for a Reverse Mortgage. The salesman also must inform the senior of other more suitable options than an HECM. XXXX spent a largely inflated XXXX at closing along with XXXX which was supposed to go into escrow so she would not find herself in a position where funds have dried up and she falls behind on paying her property taxes, home insurance and upkeep of the property. The sales man realized that XXXX had access to at least {$44000.00} and no longer saw her as a senior attempting to do what was best for her after retirement. Instead, the salesman XXXX XXXX used the opportunity to do what was best for himself. He wanted to close the loan at the end of the 2010 fiscal year on XXXX XXXX, 2010. He used his skills of deception, bullying, lying and coercion to ensure the mortgage could be over and done with quickly, so he would receive his commission and XXXX would not have the time to seek legal advice. Wells Fargo has already submitted the HECM document to the CFPB that clearly indicates that the counseling was not done in person and not approved by the Office of Elder Affairs. As a matter of fact, the XXXX XXXX XXXX company located in Florida was/is not even licensed to counsel anybody in Massachusetts. One major flaw that was not on the original HECM counseling form submitted to the CFPD is the alleged removal of the {$650.00} she was charged for illegal counseling. The reason for this " OVERSIGHT '' is because I alerted Wells Fargo to the fact that HECM counseling costs roughly {$120.00} and in some cases ; it 's free. Wells Fargo still uses deception and fraudulent tactics to this very day.
We had issues making payments on this high interest predatory loan. When we expressed our concern to the store manager XXXX XXXX we were met with condescending remarks and threats. 
Additionally XXXX and store employees at the XXXX location for XXXX XXXX XXXX   XXXX  were very open and quick to disclose ver personal and private debt information to my associates and family. When advised them to stop doing so we were met with additional condescending remarks.
After receiving an email that my complaint has been completed from your website and I saw that Trans Union gave an answer where they pretty much said they would not delete anything. I called Trans Union on their XXXX number and the woman on the phone said that I did not meet the criteria to get the items that I needed deleted but at the same time said that she could not tell me how to meet the criteria because of some company procedure. I feel that this is extremely unfair and ties the hand of the consumer because If I dont know how to get it take it off my credit report and the credit bureau themselves will not tell me how then it ties that persons hands. Their procedure makes no sense from an investigation standpoint. Especially with the fact that I provided a police report ( and other crucial evidence ) about the identity theft/fraud, and they seem to be practically refusing to delete anything.
This debt is not mine, furthermore I was not notified or sent a notice that this debt was going to affect my credit score. No notice of an attempt to collect a debt was sent or an option to dispute the debt was given. This debt is identity theft.
In light of the XXXX hack, I feel I should be able to freeze or otherwise restrict access to my credit report at all reporting companies completely for free, and at my own discretion, now and forevermore. Paying even a nominal fee for this service is unconscionable in light of the gross misuse of my data.
I am having trouble requesting a second official letter from Equifax regarding a XXXX security breach. XXXX XXXX, I received a letter from Equifax stating that I have been impacted by a security breach. It stated that information including my name, social, date of birth and address may have been compromised. It also suggested me to sign up for their credit monitoring service ( XXXX XXXX XXXX ). During a move in XXXX, the letter was misplaced. XXXX XXXX, XXXX I called Equifax security breach customer service ( XXXX ) to request another written letter. They informed me that I must call customer solutions ( XXXX ). After speaking with Customer solutions I was referred to XXXX XXXX XXXX ( XXXX ). I requested a copy of my breach notice, the customer service rep suggested that I was customer of XXXX XXXX XXXX and recieved the letter from them. I informed that them I was not a XXXX XXXX XXXX customer, and the letter came from Equifax via mail. They informed that the letter did in fact come from " Equifax XXXX XXXX '' but I can not receive a second letter. They told me the only thing I can do is go to the equifaxsecuritybreach2017 website put my information in ( last name and last six digits of social ) and sign up for their XXXX XXXX  XXXX credit monitoring service. I was given no explanation on why a second letter could not be generated and sent by mail. Equifax has showed not only poor judgement and incompetence on security but also poor judgement and incompetence in finding solutions, resources, and quality customer service.