WillisBack/dataset-financial-user-claim huggingface dataset:
I am an XXXX citizen living presently in XXXX. 
I was telephoned with an attractive sales offer and I started to pay the item ( a diamond of {$5700.00} ). However, I soon realized that it was a scam, for the seller, by telephone, assured me that he already had a buyer for the diamond in question. ( If it were legitimate, why would he continue to sell it when he could get more for it elsewhere? ) Since this made me suspicious, I tried in vain to verify the address of the seller. He claimed to be located in " XXXX, XXXX and XXXX '' but no specifics which I could verify. 
So, I asked to cancel the sale and refund me the money which I had already sent through PayPal. He made me think I would be refunded and said that the treasurer would get in contact with me for the bank details. I waited and waited until I realized that there would be no refund. 
When I filed a dispute with PayPal, the seller said that the delay for retraction had expired and that I would have had to send a registered letter to the " XXXX office ''. It was then that I found out the address, at least in XXXX. ( I have serious doubts that they have anything in XXXX or XXXX. The XXXX office is a tiny store frontage on a back street of XXXX. ) For your information a sales contract by telephone in XXXX is not valid without a written and signed sales contract presented by the seller to the proposed buyer. I never saw a detailed contract from him and did n't even know his address and sales conditions until it was too late. I have not received the diamond and do not want it. I just want the money back that PayPal advanced for me to the buyer ( {$1500.00} ). 
In addition to this, when I logged on to the sellers internet site, I changed the password for my " habitual '' password, unfortunately that used for my PayPal access. Shortly thereafter, PayPal notified me that my account had been breached from an unknown location. I immediately changed my PayPal password. Of course, I have no evidence that the seller is responsible, but it is very suspicious!
Strictly for XXXX XXXX XXXX, EQUIFAX, XXXX, XXXX. PLEASE REMOVE ANY OTHER ADDRESS LISTED OTHER THAN THE LISTED ADDRESS THANK YOU. Here is a final letter and the final attempt to reach out to you. I would like for you to know that all letters and conversations between us have been previously recorded. I have sent in previous certified letter since XX/XX/XXXX and I havent gotten a response on my case. Your company has violated my rights within The Fair Credit Reporting Act within sections 609, 611, 612, 623, and several others. I am seeking a total of {$3000.00} for damages and the detriment to my personal credit file. Your company is reporting erroneous information and I am unaware of it. This is the final good will letter and will contact the attorney generals office in Florida, make sure your company is placed on public records file. If you think that youre going to get away with this you are wrong and I know all of my rights. I asked for several documents in XX/XX/XXXX of last year. I asked for original contracts with my signature, by law if you didnt respond within 30 days the erroneous accounts listed were to be removed and you continuously report it. XXXX XXXX XXXX THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
I had XXXX different answers from two associates. I have XXXX response from XXXX XXXX ( file # XXXX ) and another response from XXXX XXXX ( complaint number XXXX ) they XXXX have a unanswered response response to my complaint and now I have attached their responses.
XXXX purchased a previous identity theft fraud account from XXXX. Over 2 years ago, I filed an Identity Theft Affidavit with the FTC to have this debt removed along with a police report from XXXX, Ga Police Department. They have refused to remove this debt and basically ignored FTC documents that were submitted. Since then, I have filed another Identity Theft Affidavit with the FTC and notified all XXXX CRAs. My Identity Theft Affidavit number is XXXX. I sent them copies of my identification and identity theft affidavit. 
*Additionally, I do not want a copy of my stolen driver 's license and stolen checks that the thieves apparently used when they opened this account. That means absolutely nothing as it relates to debt validation in regard to identity theft. That is essentially why it is called identity theft because someone has stolen your identity and acting as you. XXXX seems to believe a copy of your drivers license or checks where the thieves made actual payments means the debt is yours and you are not a victim. That is not ethical business practice and it needs to stop immediately. 
I am requesting that the XXXX XXXX tradeline be deleted from XXXX, XXXX, and XXXX within 7 days or I am proceeding with legal action against XXXX, XXXX, and all others involved in this fraudulent business practice. 

Sincerely, XXXX Account # XXXX
American Express is calling every person in my company stating they have critical information and need to reach me asap. I have received several calls from my co-workers. I have been in communication with American Express and offered to make payments but they will not take partial payments.
I have received several calls from Premier Portfolio Group. They would not leave a message - just continually calling. On Thursday, XX/XX/18, I received a call from them and they left the following message, " Hello, we are giving you a call regarding a bad check that was placed with our office attached to your name and account number. We need you to contact us immediately to rectify this time sensitive matter. Our office number is XXXX. '' When I was finally able to contact them. I informed them that I have not written a check in about 5 years and am current on all of my bills so they needed to quit harassing me. The person on the other line began to talk all over me and told me that they were not harassing me. She then asked me if I knew someone - she gave me a name - someone whose last name was also XXXX. I called back and the second time got a man. I told him the same thing and again, he talked all over me and would not listen and he too asked to talk to someone ( not me ) whose last name was also XXXX. I hung up and called a third time. The female on the other end this time did seem to be listening. I told her that I had searched the company name and saw many complaints where they said the same thing, that they had received a bad check. I am on the " National Do Not Call List. '' They just kept asking me for someone - it was not my husband 's name and it was not my son 's name ( my son has a different last name than I ). The female told me that they would not call me again but that yet remains to be seen and their tactics are outrageous. I think they were harassing me simply because I had the same last name as someone that they were trying to collect from.
Recently Altisource XXXX XXXX XXXX has pasted another of these inspection sticker on the front door of a dwelling I have been squatting in for over a year and a half! first time they took all in the house and put it in the center of each room and destroyed the front door lock in addition! I need you to give them a cease and desist order as they are a scam! And as I am a squatter I can not give the exact location just it is XXXX XXXX. thank you XXXX XXXX
My contract with Conn 's states I have 10 days from the due date before a payment is considered late. When I am 1 day late the company calls me anywhere from XXXX times a day. I have times they would call me every 30 min or every 1.5 hours for a bill that is no more than 2 days late. I have called and asked they stop but they tell me they have the right to collect on any outstanding debts. But it is not a debt. It is a credit card with a 10 day window to pay the bill.
I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.
I have excessive overdraft fees, equaling {$1500.00} this year and counting. This month alone has equaled {$710.00}. I can not get ahead. I do not have the means with which to replace these charges. There are pending charges on my account today and I will be hit with more fees. Additionally my car lease payment was returned twice, I have insurance policies that will be cancelled due to lack of payment and the fees I will incur from those agencies. The bank refuses to refund any of the fees because they already did so once in my lifetime with them. If they would refund my account, by next payday, I would b able to recover. I will not be able to pay my rent if this persists.
Ocwen Loan Servicing has sent me mail and left messages on my answering machine to give them updated hazard insurance information for my condominium. I have mailed it to them, emailed them, been on XXXX way calls with them and my insurers to prove I have coverage through my association. In fact I have a copy of my coverage right under my nose as I type this. They have vehemently denied they received anything from me and have forced insurance coverage that I will have to pay through an escrow account. I am at a loss of what to do. I have followed their instructions about mailing it to them, some agents have given me an email address while others say there is no email address. I do not have a fax machine, so I can not send it via fax ... although I am thinking of going to an office supply store to give it a shot. Tomorrow I will be sending certified mail with the policy so that I have some documentation they received it. I do n't want to pay my mortgage anymore because part of my money will go to mortgage insurance. I ALREADY HAVE HAZARD COVERAGE!!!
Diversified Consultants Inc Account # XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed {$950.00} I have no knowledge of this debt  and would like it removed from my credit file as soon as possible.
The company ignores all requests and simply sends me a letter stating all inquiries are factual. They are factually without my permission or consent and do not fall within any of the listed reasons that someone could pull my report as listed in the fcra Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX BANK XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX : XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 

all fraudulent Revolving Account Number : XXXX FRAUD
After numerous attempts to have the credit reporting agency Equifax, remove erroneous and derogatory information to be removed from my credit report has been to no avail. During the previous year in XXXX of 2017, I disputed many erroneous errors in my report. There is a public record that has been settled by the courts and myself.
I purchased a vehicle from XXXX XXXX in XXXX, PA. I purchased the vehicle in XXXX. As of XX/XX/XXXX, my lender ( GM Financial ) has not received the title on this vehicle and I have not been able to register or drive it. 
We have received the registration. However, the XXXX XXXX have not held up it end of the bargain of as far as getting the check engine problem fixed and he provided a receipt of we owe. After we filed a complaint with consumer complaint he went into action. On XX/XX/XXXX he called and agreed to take a look at why check engine light was on for 3 months. He told me to take it to XXXX XXXX XXXX. I took the vehicle on XX/XX/XXXX at XXXXXXXX XXXX. I left my vehicle and my witness came to pick me up. I kept in contact with XXXX the owner of XXXX XXXX he assured me he was going to fix the check engine and check on the issue. I communicated with XXXX daily, when it was time to pick up my car XXXX also said I have a massive leak in the front of the engine. On the XX/XX/XXXX I picked up my vehicle with an attachment of a nightmare, because XXXX tried to charge me {$55.00} for maintenance. When I refused, he said was not releasing my vehicle. My witness and I had to call the police to get my vehicle back, as well as call XXXX. When I contacted XXXX, he communicated with XXXX to release the car and he will pay for everything. He also stated he will investigate and take care of why the check engine like is staying on. 
After this ordeal it has been very difficult to get in contact with XXXX. He has been giving me the run around. And nothing has been resolved. I contacted him today and he stated he would fix the problem. I believe it is too late. As of XX/XX/XXXX I had to tow my car to his dealership, because I was informed that my car died. I have a warranty that is not helpful and a dealership who sold me a vehicle that stop working after 3 1/2 to 4 month. And I know is a law against that, I am not sure where to start. Hopefully your agency can lead the way. I want to continue be proactive in my complaint filing. 

I have now found the dealership and I drove the car to the location with a promise he would provide a loaner. I drove an hour to his location and no vehicle was provided. I am paying for a vehicle I can not drive. Because it was faulty and dangerous. I almost died, because my vehicle stopped in the middle of the road. And with my belief system in XXXX who sold me the car to drive. And he assured me it was going to be okay. It left me stranded for 3 hours. 

My loan is with GM Financial Acct. # XXXX. I want to get out from under this untenable situation but do not want to end up with a repossession on my credit file.
Navient has been a huge problem, this morning they called my home at XXXX demanding a payment of {$100.00}, plus over {$900.00} in late fees, when I visited the website today it shows and outstanding balance of {$27.00}. First, why do we have people from other countries ( XXXX ) handling matters of student loans? Second, when I made a payment in XXXX I was told I would be given until XXXX to restart payments, now I 'm being told that is not true. The person who assisted me in XXXX is from XXXX, PA, now someone from the XXXX is stating that is not true and demanding payment today, immediately as the payment is 19 days past due. First when I took these loans from XXXX, I was never permitted to read what I was applying for, it was " sign here, sign here, sign there '' no copies of anything and next person on the line. I 'm not saying I do n't owe the money what I 'm saying is that since Navient has taken over for XXXX, it seems like the amount I owe has risen, no assistance with helping me with forbearance or other options available. First, what I studied at XXXX has never, ever been put to use, I continued to earn between XXXX and XXXX a year. Currently my wife is unemployed, I pay {$1900.00} a month rent and times are difficult, yet all Navient seems to do is to call my house 3-4 times a day, leave no message, sometimes my wife answers and they hang up. I 'm tired of being mislead by Navient and the lack of honest and willingness to assist. XXXX should also be investigated for their Student Loan practices as I believe they were taking advantage of innocent students. In XX/XX/2004, I was in total XXXX ( XXXX ) XXXX and have been diagnosed with a XXXX called XXXX which can lead to XXXX, but received no assistance from XXXX or XXXX at that time and the interest just kept rising. Previously I 've been told that I have no forbearance time left and today I was told I can consolidate my loans ( which I did a year after gradutating XXXX ), I have other options. I mean this seems like a total paradox. I have all of my original documentation that was provided to me by XXXX. As well as the IBR paperwork showing I only need to pay {$77.00} a month.
I spoke to a representative, XXXX XXXX and she said if I sent my reqest for financial hardship and financial statement they would forward to capital one and then we could discuss settlements. They have record of receiving my financial statement but instead of forwarding it they filed a lawsuit without ever contacting me or giving me a different option. Now I ' going to have a judgement on my credit report where it cold have easily avoided. It 's obvious they use lawsuits as a threatening and intimidationg tactic.
I was very upset to find out that when my promotion ended and my remaining balance went to my contract rate, the additional payment that I made shortly after my statement closed all went to the lowest rate on my account at that time. The rep at Elan Card Services explained that it was due to me still being at a 0 % when the payment was made. The payment was indeed applied that way, however, the XXXX was not still in effect when I made the payment and I was charged for a full 30 days of interest on the part of my balance at the highest rate. They are forcing their customers to pay at least 1 full statement cycle of interest regardless of the amount paid during that cycle. They did take care of my account but, I do n't want them to get away with this with other customers that are not in the financial world and therefore do n't have full understanding of the payment allocation laws put into place with the CARD Act.
Technically this was not identity theft and that is what is the crux of this issue. 

I had this XXXX XXXX account as a starter card to rebuild credit. The max was {$300.00}. In a few months I received a letter asking me if I had moved and gave my " new '' address as in Louisiana Do n't live there, never been there. After working with the credit card company who could see that someone in Louisiana would run it up then " pay '' it off and charge up again before the payment bounced. 

After they investigated, they sent me a letter stating the account was all fraudulent charges and the account was closed. This account was in my previous name, XXXX XXXX XXXX. 

I never heard from them again ; not by phone or email or letter. Suddenly I 'm getting collection letters. XXXX companies tried to collect this " debt '' and instantly gave up when I would sent the letter from XXXX XXXX. This company, however, is not understanding the issue. They are asking for police reports and notarized identity theft papers. This was not identity theft. The letter I sent shows I owe nothing. Their threats in the letter are the usual and just before lodging this complaint I called this collections agency and said I would give them one more chance before I filed a complaint and all I got was attitude and attacks on my credibility. As promised, I am lodging this complaint.
The loan was put in default by error. We were contacted about payment and put the loan in forbearance due to a financial hardship. However, the people we were contacted by was not the actual loan servicer, but a scam company masking as our loan servicer.

Now the result has placed the loan in default, which should not be because the original loan payments should no t be due until completion of college. Also, a semester was just completed from XX/XX/2018-XX/XX/2018. The student is still actively attending school.
Old apartment I used to live in. Before leaving we had an agreement and signed that they owed me {$75.00}. A coupe of weeks later they sent me a bill for {$200.00}. That wasnt what we agreed and just charged me.
*Complaint number XXXX of XXXX My credit report shows collections accounts that seem to have been unlawfully re-aged by the collection agencies and law firms that hold the debts. 

XX/XX/XXXX, I had an emergency hospital stay and did not have insurance, so I was billed for the stay. The bill was split up into at least XXXX different collections accounts for varying amounts between {$100.00} and {$2000.00}. XXXX of the XXXX show dates far later than XX/XX/XXXX. 

Those items are : - XX/XX/XXXX : XXXX - {$1900.00} - XXXX/XXXX/XXXX : XXXX - {$100.00} - XXXX/XXXX/XXXX : Law Offices of Mitchell - {$980.00} These debts were all incurred XX/XX/XXXX, but the date of last activity for each of them incorrectly indicates a much more recent date. I have had no contact with any of these creditors and have taken no action that would result in a new date of last activity. I feel that these accounts are being re-aged as an attempt to circumvent the statute of limitations set by federal regulation.
I have tried everything that I know how to do correctly, Still, XXXX, Equifax and XXXX will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX ) I'M trying to get a better job & place to live but they, ( XXXX  ) ( XXXX ) ( EQUIFAX ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do
This woman from a finance loan company calls my phone 3 to 5 times EACH day. If anyone else answers my cell, she tells them my business, telling people I do n't work, threatening to show up at my home. This is clearly a case of harassment. She has actually showed up at my home. Yes, I do owe a debt, but I 'm 60 days late. I 'm going through bankruptcy, but she still continues to harass me and my family.
On XX/XX/2018 I engaged SunTrust to wire money to a recipient in XXXX. The " date of availability '' listed on my receipt is XX/XX/2018. The money has not reached the recipient and the recipient needed the funds by the end of XX/XX/2018. SunTrust sent out a tracer request on XX/XX/2018 to find out what has happened to the funds. SunTrust has used XXXX XXXX XXXX as a " pay through bank '' and placed an inquiry with XXXX XXXX XXXX. SunTrust claims that XXXX XXXX XXXX has not responded to its requests for information. It is now XX/XX/2018 and I have not received any information about where the funds are and SunTrust says that they can not tell me when XXXX XXXX XXXX will respond to its requests for information.
I am unemployed not recieving anymore unemployment insurance XXXX  XXXX harrassimg me with phone calls up to 8 times a day, harassing my injured XXXX XXXX great uncle and refuses me any sort of repayment options.