WillisBack/dataset-financial-user-claim huggingface dataset:
In roughly XXXX of XXXX I had a existing credit card for home upgrades that I received through USAA that they solicited me to get instead of a home equity Loan. In XXXX of XXXX i lost my job and was trying to work with USAA on payments as well as my other creditors. When I lost my job in XXXX I called USAA and tried to work out a payment with them as I was going to be bind for a few months. They refused to work with me and wanted all the past due payments at that time. I did not have the money at that time to work them and I told them when they wanted to work with me to call me. A month later they called me and stated they wanted the entire balance in full. I told them that this was impossible and when they could work with me and I mean really work with me to call back. 

I then started receiving collection calls and I told the companies the same thing as well as to send me documentation of the debt which I never received. At the middle of XXXX and through beginning of XXXX I started getting more collection calls and they were now stating USAA had sold them the debt. I thought this was odd as USAA should have filed a XXXX debt cancellation but I was getting these phone calls. I told the collection agencies to send me a letter and no one never did. I called USAA and they refused to talk to me and cut off web access to my account overview. 

USAA is now trying to send a XXXX to the IRS for the year of XXXX taxes when it should have been done in XXXX as the proper discharge data for the debt. This is not right as well as selling the debt and then claiming it is theirs to discharge. For these reasons I am disputing the XXXX from USAA and need help as they will not talk to me or give me access to my account or other existing accounts which I am still making payments on.
AS EOS IS NO DOUBT AWARE, I HAVE REQUESTED THAT VALIDATION BE MADE ON THIS ALLEGED ACCOUNTS INFORMATION, I DID NOT REQUEST VERIFICATION OF THIS ALLEGED ACCOUNTS INFORMATION. EOS HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO YOU BY LAW. 
EOS HAS NOT PROVIDED ME WITH THE FOLLOWING INFORMATION IN THE TIME FRAME ALLOWED TO YOU BY LAW. 
THE FOLLOWING INFORMATION HAS NOT BEEN PROVIDED! 

What the money you say I owe is for.-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Identify the original creditor-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Show me that you are licensed to collect in my state-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with your license numbers and Registered Agent-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 

At this time I will also inform EOS that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative marks that have been found on all of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS.
I do not live in the XXXX. I live most of the time abroad, serving at the XXXX University and working with the XXXX XXXX XXXX. in XXXX, XXXX. During the summers, I return to California. I use Wells Fargo for the vast majority of my banking needs while abroad, and for all of them when I am in California. 

Despite the fact I do not live in Indiana, they sold my account to a different XXXX  branch. They admitted this was a mistake during my first phone call, but then they never fixed it. I have been on hold for over 10 hours total on at least five occasions. My latest call took nearly two hours, but XXXX XXXX ( the customer complaints person ) refused to give me to a supervisor and was unwilling to help me. 

I want to keep my account with Wells Fargo. I do not want it to transfer to this new bank.
I received a settlement offer on XX/XX/XXXX from XXXX XXXX XXXX , XXXX alleging a debt of {$4600.00}, this is the first mail contact I had with XXXX XXXX XXXX. On XX/XX/XXXX I mailed a certified letter to them asking for validation of this debt. They sent me an account statement from XXXX XXXX ( XXXX ) and a statement from them that said they owned the debt. On XX/XX/XXXX I sent another letter specifically asking for verification from XXXX XXXX that they have sold or transferred the debt to Midland. I have received nothing more to date from Midland. 

I have attempted through XXXX and XXXX  to verify this debt. Nobody has been able to provide me with documentation from XXXX in writing that they have sold this debt to Midland.
They have escrowed my taxes into my account. But I Already paid the taxes. They are trying to say that they dldo paid them I called XXXX county of XXXX. Hey said there is no record of shellpint mortgage paying them. I have spoken with different people, written letters. Nothing has worked. This company is so unorganized. I do n't know how they stay in business. I hope they fix this problem soon. I can not afford to pay what they are asking. I tried to do loan modification. Even that was an ordeal with them. I wish they would help preople. Not just take their money
I have previously filed a complaint against this company approximately 2 months ago regarding a processing fee that I was not told about. The complaint was responded to by stating I would not have to pay this fee per transaction. This was true for about 2 payments. My payment as of XX/XX/XXXX was charged the fee again. When calling the company I was told they would have never made this statement to me about not charging the fee and I was told a manager would call me back. I called a second time hoping to speak with someone that would look into the file and once again a manager would call me back immediately. No one has called to resolve this issue.
This is to the response on complaint ( Case number : XXXX ) from Equifax stating they need more information. I have provided you with the list of accounts and inquiries that were deleted from my credit report and reinstated without the 5 day window of notification. The company made an error that was not my fault. The following accounts and inquiries are listed that were removed and then put back on. 
I 've attached the copy of the credit report from Equifax. I can list the accounts and inquiries that where removed then added back on again without my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX
I signed up for a Chase Business checking account under a promotion in which I would receive {$500.00} in 60 days after depositing at least {$500.00} and holding it in the account for 60 days, while maintaining the account open for 6 months. I deposited {$500.00} into the account in person, the branch banker told me that I would receive my bonus ( hence my deposit amount ), and then Chase did not pay the bonus. They now say that it was not a qualifying deposit and that I needed to deposit via the branch ( which I did ). I do n't understand why it was not a qualifying deposit and would like the bonus to be paid.
Professional Finance Co. has filed three collections accounts ( {$2400.00}, {$1800.00}, and {$1600.00} ) to the major credit bureaus against me. However, they have not contacted me in any way either by phone or mail. I attempted to contact them, but they have provided no verification of these alleged debts. They credit bureau filings occurred in XX/XX/2018. They have had plenty of time to provide verification of these alleged debts and continue to fail to do so.
My ex-husband used my identity to put me as a co-signer on his XXXX students loans through Sallie Mae, XXXX. XXXX XXXX XXXX, PA XXXX back in 2008. We were separated at the time, living in separate homes and our relationship was over. I found out about the loans through a letter mailed to me and I immediately followed all steps that the loan company ( SallieMae ) told me to take in order to dispute the charges, including a police report and fraud alerts, etc. The man at the loan company basically told me that he did not believe me, and that there was nothing I could do because the loan was signed with an electronic signature. I never heard back from SallieMae regarding the status and since then the loan has gone to collections. My ex-husband is now in jail and I am not sure what steps I can take to fix this issue. I realize it has been a very long time but he committed fraud and identity theft and I am willing to do whatever it takes to clear my name off his student loan that I did not sign nor did I receive any funds from. 
I am not sure if this is the right place to ask for help, but if it is n't please at least direct me as to where to go or who I can contact.
This " lender '' is very interesting. First they start by approving XXXX for a loan. They ask what one 's paydays are. Then they set up the loan repayment schedule so that the payments are processed the day before the payday -- hoping, I assume, that the payment wo n't be honored, which will force the borrower to pay more fees for late payment. 

Second, instead of a stead payment schedule, the borrower makes XXXX payments of X-dollars in " finance fees ''. For my {$400.00} loan, this means I will pay {$700.00} in finance fees before ANYTHING is applied to the principle -- basically this is negative amortization, at a going rate of 798 %. ( Yes, SEVEN HUNDRED AND NINETY-EIGHT percent. ) Third, after the finance fees, the payment balloons -- it 's 10 % larger for no real reason. Again, my assumption is that this ballooning of the payment structure is to make it more likely to engender some kind of overdraft/late payment situation. 

Finally, they fail to disclose this information in any meaningful sense. It was n't until I had the loan that I was able to review these terms and conditions. I realized I was getting ripped-off, of course. I just had n't realized how much they were XXXX me and in what new and unique ways.
I 'm trying to refinance my XXXX mortgage.Citimortgage owns the second loan. I have done everything they have asked and each time what they need changes, they keep delaying matters as I get charged .for interest. The wo n't work with my future mortgage company.I have given verbal and written permission.every phone call isca run around now they are trying to say I requested for hardship assistance. This has been going on over a month
On XX/XX/XXXX I sent TransUNion a letter requesting to remove unauthorized inquiries on my credit report! The accounts are listed below. 
XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  indirect XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX The response I got from transunion was that the inquiries are factual record of file access. 

However if these inquiries are factual they must provide me documents bearing my signature from these companies, these inquiries must be deleted under federal law! 

SECTION 609 OF THE FAIR CREDIT REPORTING ACT!
XXXX / XXXX /   2017. Wells Fargo Mortgage, one of  the largest corporations in the nation and yet they can not take a debit card for payments online, must have a bank account with routing number. Have called and spoke about my unbelief that they can not accept a debit card, and it was verified that they do not at this time.
After previous help from the cfpb on this XXXX account being reported as delinquent on my credit report the collection line was removed and there hasn't been a problem. but six months later as of XX/XX/ 2018 my fico credit score dropped 100 points because this XXXX account is being reported again in a way that shows a delinguint balance. there is no way for me to pay this balance or to pay XXXX  any monies towards this account as they lost the class action suit with the cfpb and were directed not to enter the credit line and not to recover any payments towards accts. as I stated my fico score has not been impacted since the cfpb took steps to help me 6 monthes ago but as XX/XX/2018 it started coming up as a serious delinquency again. so I would like your help with XXXX  reporting this line once again when there is no way for me to satisfy.
Someone stole my identity. They have my social security, date of birth, address, etc. are trying to open credit cards under my name via the Internet. Not in person. Believe it was an internal employee from XXXX for that I do not make purchases on the Internet or give my personal information to anyone.
Back in XXXX of 2017 I disputed a debt with Diversified Consultants. I wrote a letter asking for verification bc I have no knowledge of this debt. Diversified Consultants deleted the debt on XX/XX/2017. Diversified Consultants has placed the debt back on my consumer file and also reaged the debt stating it opened on XX/XX/2017. 
This company is deliberately commiting fraud and trying to collect on a debt that they clearly do NOT own, and then reaged the same debt that they could not verify back in XXXX of last year. All violations of the FDCRA.
I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XXXX XXXX, 2017. For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account. In addition, this credit repository is the only bureau reporting XXXX XXXX XXXX ref # XXXX. This company already claimed that they do not own this account. In fact, I do not recognize the account at all.
On   XXXX   XXXX  , I attempted to send money to a friend in the  XXXX  through  Western Union , as I have done several times during the past year, with no problems at all. I have a online account set up with  Western Union,  never a problem, till this time. The transaction was for  XXXX  dollars plus the {$4.00} fee. They take my money from my bank account, then inform me my transfer is put on hold, pending me sending them a copy of my  pic  ID and other info, thru a fax or email with attachment, I do n't have a fax machine, or a way to upload a  pic  of my ID to an email. My friend needed the money right away, so I sent it to him by    XXXX   XXXX     with no problems whatsoever, I called  Western union  to cancel the transfer with them and to get a refund to my bank account, they refuse to do it, they STILL want the  pic  ID sent to them anyway, I talked to them 3 times, and also went to a branch office to no avail, it is MY money, I want it refunded, they have stolen my money and wo n't return it. I am on a low fixed income, I NEED the refund. Please, please help me!!! The tracking number on the transfer is  XXXX   XXXX   XXXX
I settled a Discover account for less then the full balance and was sent a XXXX. This company should no longer be on my credit report.
I have been trying to get off my Ex-Husband 's HELOC with Bank of America for two years. His name is the only name on the note it'self. My signature was required because Michigan was a dower state at the time. My name was on the application only which had expired. I have written several letters and my ex-husband has called several times. He has been making the payments for 9 years. Bank of American refuses to take my name off. The note is from a lending company that no longer exists. They want him to refinance which costs money. They will no longer respond to any of my requests.
In XX/XX/XXXX when I reviwing my statment I found 2 transactions I did not made them I caled Sears Card company and filed a claim and the removed it After that they sent me forms to sign. I signed them and sent it back to sears card company. 
But in XX/XX/XXXXI found these 2 transactions again in my account I called Sears card company again but they did not solve my complain. 
Thaese transactions are XXXX XXXX {$4100.00} TYPE Sale POST DATE XX/XX/XXXX REFERENCE NUMBER XXXX XXXX XXXX {$1300.00} TYPE Sale POST DATE XX/XX/XXXX REFERENCE NUMBER XXXX I did not made these transaction and I did not receive anything
This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP
Discover Card advertised a promotional to open a new account. The ad ran as " dollar for dollar cashback match '' for the first year. I opened the account in XXXX. My first bill was for $ XXXX. I received {$.00} cashback match. Didn't make any sense so I waited for the second bill where I had charged $ XXXX and paid the bill two days ago, so reviewing the bill was fresh in my mind. I have an excellent credit rating. I was listening to XXXX apx. XXXX XXXX. this morning, CDT, Saturday, XX/XX/XXXX. The commercial again repeated, " dollar for dollar cashback match ''. I called Discover and was told it is not " dollar for dollar cashback match '' it is 1 % cashback match. 1 % of XXXX pennies is XXXX cent, not XXXX pennies. So my most recent bill was $ XXXX, my credit match is {$3.00}. This is NOT dollar for dollar. I explained this to two Discover agents, who reiterated the cashback match is 1 %, NOT " dollar for dollar cashback match '' for the first year, as repeatedly advertised. This is completely false advertising, a gimmick to hook in new customers and is completely false. Having repeated the same information 3 times to two different agents, I simply said, this is deliberate false advertising, am filing a complaint. No where on their commercials is 1 % cashback match EVER mentioned.
On or about XX/XX/2002 I tried to file a forbearance with then Sallie Mae ( Navient ). I had just had my XXXX child and had not found adequate work to pay my loans. The loans were near default when I called the provider. They promptly sent the paperwork out to complete and return. After doing so the provider let my loans default and when I heard from them again. They used pressure tactics to get me into a rehabilitation program which I signed on and then began to pay the payments to which I could not afford. I ended up having to sell my house and move which is when they were not able to find me and I let my loans slip into default again.
Calls multiple times a day, never leaves a message, never names who they are looking for or what the debt is. Refuses to mail me proof a debt is owed, ( I have nothing in collections. ) Really just needs to stop. If something is in collections is owed, report it, and mail proof, not call XXXX.
I have never been late with a mortgage payment- I was reviewing my account on line for a pay off balance and discovered they had received my XXXX and XXXX payment but had not applied them. They were showing me as delinquent and were threatening to foreclose. After several calls it was discovered that my escrow/taxes had increased XXXX and I was not notified. The first person I spoke with informed me they mailed me notification to the old address and they told me they did not have my new address on file. I proceeded to pay the extra XXXX by phone for XX/XX/XXXX and XXXX. I paid the XXXX payment and included the new escrow/tax amount. I had paid the normal amount in full never missing a month. They have reported me to the credit companies and my credit rating has been negatively effected. They refuse to remove the reporting. It has been a nightmare trying to straighten this out. I do n't understand how they can take my money, not apply it and not charge me any late fees but report me to the credit bureaus as over 30 days late.
This company is repeatingly calling my family members multiple times a day in a form of harassment since spring of XXXX. They told my family members I owe to a loan company and are threatening to sue me-that 's harassment, and illegal for them to spread my information. I do n't know what company this is as when I get private calls/voicemails they do not leave a number to call directly. They leave voicemails on my family members and my phone on private calls saying that they are sending somebody to summon me court order papers. That never happened. They are calling my family members more than they are calling me. I heard the voicemail left to me XX/XX/XXXX of a court order being sent to my address in person within an hour, and I have not received any papers. They provided a case number that was not in the XXXX XXXX Court systems ( XXXX ) as of today.
I have a very old debt with  XXXX   XXXX  from about 10 years ago on a private student loan. Apparently now the company is called  Navient  although I have never signed any contracts, nor do i acknowledge any obligation to 'Navient. ' I was told i would be forced to give my banking information and that there was no other option in my case, because ALL deferments and forebearances had been exhausted at that point. None to my recollection, did i request. They also told me that despite my unemployment, i would have to pay a {$160.00} payment per month. I communicated that there would be no way possible for me to manage this. My spouse is a  XXXX    XXXX   XXXX  , and on a fixed income and I spend a lot of time taking care of said spouse, doctor 's appointments, health issues etc. They constantly suggest that i contact the co-signor who i have repeatedly communicated that I am Estranged from, effective indefinitely for very personal and irrevocable reasons. There is no way around it. They continue to give me no options. I gave them my account info, All while letting them know that there was no way i could keep up with {$160.00} per month. They took my info, charged me the first time. It was a very hard month. They succeeded in getting another {$160.00} the next month which also very negatively affected my household. By the third month, the payment did not go through of course because this was  money I didnt have in the first place, and now they are threatening to place a default on my credit file. There are also Very many negative late payment marks on my credit score from du ring the time period they claim that my loans were in a forebearance/ deferrment. This company has harassed me, called me at work in the past to the point where discipline to me was threatened and other co-workers had personal information on me that made it a very hostile work environment. Clearly it was  Navient  Calling. They are making my life a living  XXXX . I would like to buy a hous e one da y, but they have so many negative marks on my credit file that i doubt it would be possible. Please help!
Transunion is reporting a bankruptcy that was discharged I sent them a dispute they stated they verified thru XXXX I have enclosed a letter from the clerk of court which they Do Not provide or verify bankruptcy Transunion violated the Fair Credit Act by providing me False information I want the bankruptcy deleted from my file
U.S. Bank Gold Checking account opened on XX/XX/XXXX with the condition that 2 bill pays were completed to receive a {$200.00} account bonus. Bill pays were completed on XX/XX/XXXX. I contacted U.S. Bank on XX/XX/XXXX and XX/XX/XXXX and was informed by 2 different representatives that the promotion was linked to my account and the requirements were met. I was informed that the bonus would be deposited by XX/XX/XXXX. The bonus has not been received.