WillisBack/dataset-financial-user-claim huggingface dataset:
Due to a medical issue, I was forced to quit my job. XXXX bank refused to give us forbearance on student loan. 

We filed our taxes early XXXX, ready for XXXX XXXX XXXX. On XXXX XXXX we received an XXXX form from XXXX, we called our bookkeeper and she explained that was not good, we went to her office to find out, our {$5600.00} refund was now us owing $ XXXX. 

So we sat down with IRS and they agreed to take XXXX refund and wait for XXXX refund to finish paying, which was done. 

With this we received a letter from XXXX telling us the " cancellation of debt ''. 

In XXXX we began getting letters from attorney 's XXXX ( XXXX ) Attorney at Law. We communicated with them and explained about the XXXX and they have been mistaken. 

After several trips to XXXX, AZ to court house, we eventually received a notice of arbitration. Late XXXX we sat down with plaintiff 's attorney and arbitrator. During this meeting XXXX claimed the the loan numbers did not match up with XXXX. 

The arbitrator said she had no choice but to find in the favor of the plaintiff and they XXXX agreed that there was definitely something wrong. 

The attorney for XXXX argument was that his client National Collegiate XXXX XXXX Trust ( XXXX ) owned the loan that was sold to them by XXXX back in XXXX. 

While there, the attorney XXXX gave us the number of another attorney XXXX XXXX. XXXX claimed he was a good attorney and maybe able to help us. The arbitrator said she would wait 30 days before entering a decision. 

We went and saw XXXX XXXX and he said he would make some phone calls, during which he had mentioned the CFPB. 

On XXXX XXXX, XXXX the arbitrator found in our favor, we do not know what XXXX XXXX had done, but we were glad for the judgement. Including the judgment the letter stated that we needed to submit any fees we occurred, we called XXXX XXXX and he handled the communication with the court, and his fees were awarded for ( XXXX ) to pay. 

Currently XXXX is appealing the ruling and we have another court appearance this Friday XXXX. 

On their appeal they are accusing the defendants ( us ) for " Defendants have engaged in unfair surprise and misconduct '' and " litigation by ambush. '' We have done nothing wrong, we did not go to law school, we followed instructions. 

This is our biggest issue. How can XXXX sell a loan to XXXX in XXXX and turn around and file a XXXX on us in XXXX? 

According to XXXX XXXX dd not own the loan to do this. 
We were thrown into another tax bracket since it had to be counted as earned income, causing me to lose other government medical benefits for my insulin.
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
On several occasions, we have received letters from a company that are deceptive, in that they make the ads look like they come from our mortgage company but they do not. They add language which says the matter is urgent or important and refer to our mortgage company, as if they are the mortgage company. They do not say who they are or disclose their name, but only contact information in a trap to scam or sell us.
XXXX XXXX is reporting inaccurately on my credit report. They sold the debt to a 3rd party company that was paid. But they are still showing unpaid, past due on my credit report. I want XXXX XXXX removed immediately.
A lady calling herself XXXX XXXX impersonated to be goverment official repeatedly calls me and my family Asking for my social security and bank info under the false pretense that I owe debt. She calls from the following number : XXXX ( EXT : XXXX ). I explicitly asked her to put me on the do not call list and she blatantly refuses.
We are currently buying a home - scheduled to close XX/XX/2017. Someone falsified the Title Company ( XXXX XXXX ) email requesting a wire transfer and sent us an amount {$100000.00} and bank information for the closing cost. I initiated the wire based on this email. It was discovered today XX/XX/2017 after business house that the email we received was fraudulent. The funds have been wired from our account and no one is available at the title company or the bank fraud department until Monday.
Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX and received the cash bonus of XXXX on XX/XX/XXXX. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account.
I visited a local loan provider to apply for a secured loan using the title to my vehicle. I was approved but wanted to think on it for a bit. After a week, I went back to them & told them I was ready to get the loan. The employee said yes sir, we 've had you paper work ready & approved sitting there for the last week. While I was in the process of finishing up the paperwork, I was asked to get a copy of my recent check stub & bring proof of insurance. Went to my home & called them back to make sure I was bringing back the correct information that was needed & while on the phone, a different worker that I had not been dealing with got on the phone & told me that she had remembered a loan my father had with them at XXXX time where payments were n't made on time & because of that, they would n't be able to give me the loan. She said that on the loan my father had that I had said I would make the payments in which some payments I did make for my father then he finished making payments to eventually finish the loan out but in no way was I tied legally, my name nor my credit was associated with this loan of my fathers in any sort of way. How can a loan decision for me be based off of another loan a family member had when I had no legal obligation or ties with that loan?
I submitted my request for my free credit report online to Experian they did not make it available. They stated I could pay a dollar and get my FICO Score. After paying {$1.00} I did get a report with no FICO Score Membership ID XXXX, It states Credit Report Prepared for XXXX XXXX as of XXXX. I wanted to dispute XXXX account XXXX XXXX which I did not have in XXXX, Another Disputed account XXXX XXXX XXXX who I corrected with the help from your organization and should have been cleared it was closed. by XXXX XXXX to avoid litigation. Also I wanted to dispute XXXX from XXXX. 
All though this information came from them when I wanted my credit report they did not provide it nor the credit report number so I could dispute the above information. 
All of my information was confirmed to them current address, XXXX XXXX XXXX Address in XXXX, Telephone number ending in XXXX. 
All I want is my full Credit Report guaranteed by Law so I can see exactly what is being reported. They did get the extra dollar to tell me I do n't have a FICO score.
My exact issue was not stated, but it deals with Bank of America withdrawing a {$36.00} automatic payment from my acct. on XX/XX/2018, 6 days after I paid the complete balance of {$3600.00} on XX/XX/2018 and asked if the balance was XXXX, which the cs agent said yes, then I asked that the account be closed. Then, since they had authorization to take automatic payments, this company fraudulently took a {$36.00} payment on XX/XX/18 that I did not owe and then they charged me a {$27.00} return check fee because I had already closed the checking acct. I used for the automatic payments.I am dealing with phishing scams on personal email and possible theft of my checking acct. #, so I closed my checking acct. & opened another. The only way I even knew this was happening, was that I received a letter telling me that there fraudulent attempt to get another payment from me had failed and now I was being charged a fraudulent fee for a return check??? This is evil. I spent 1 hr. & 15 minutes wasting all of my phone minutes trying to reach a cs agent at Bank of America, talking with XXXX first who hung up on me because I was upset, XXXX who would not listen to me, but did take the return check fee off & finally XXXX who told me that the {$27.00} fee was taken off and the {$36.00} payment was cancelled out. I wanted a written confirmation of all of this evil that had been done to me and their confirmation that I had a XXXX balance, but they told me they can't even do that, I will have to call back and waste my time again on Bank of America.
I had an account with XXXX XXXX XXXX XXXX XXXX. They were billing me on a monthly basis. I was not satisfied with t he service and attempted to cancel the service. They continued to draw money out of my account. I cancelled the credit card and that was being billed. Three months later they called me to try and collect for a past due amount. I told them at that time that I wanted to cancel and then they told me that I was in a contract and could not cancel. I had never agreed to that. I told them that I did not owe them and that I wanted to cancel. 

I received a call last week from a collection agency called XXXX XXXX XXXX trying to collect on this debt. I explained to them the problem and they stated that they will continue to try and collect. I have now received a letter from the requesting payment. m This debt is not valid and I want them to remove it from my credit report and also stop all forms of communication.
I contacted North American Credit Services on XX/XX/XXXX to pay a debt that was showing on my credit report in the amount of {$240.00}. I paid it in full to have deleted off of my credit report. They then asked if I was going to take care of a {$1000.00} debt from hospitals / doctors back in XX/XX/XXXX. This was NOT on my credit report at the time. This is XX/XX/XXXX. I asked them to hold off until I do some research on the bills because I don't recall them from over 3 years ago. 
Then a few days later my credit score was hit and dropped XXXX points because they put it on my credit reports. They did NOT allow me to verify the debts that I thought were paid in full. They reported it on my report when I asked them to give me time to research. Now my scores went down XXXX points and its hard for me to come up with the debt. I am still unable to verify. I asked that they send me all documentations that the debt was mine so I could compare to any bills that I also had. I keep all my documents. She got smart with me and said that would take some time. I told her to send them. 
I still haven't received them and in the mean time its still showing on my credit reports and still badly affecting my scores. 
Can you please assist me with having them take this debt off of my 3 major reports until I get all documentation from them and do my research to make sure my insurance company or they did not drop the ball. It is totally unfair especially since it was ME reaching out to them to pay off a debt I noticed on my credit report when I started to used XXXX XXXX.. I paid that one off because I had the bill to verify and thought I was doing the right thing.
I previously disputed the status of a credit card XXXX that i had in XXXX that was included in my CHXXXXBK and discharged on XXXX/XXXX/XXXX. I disputed this 2X 's with Equifax and then again with CFPB. I was advised in my CFPB Complaint that this account is showing included in CHXXXXdischarge and the information provided to me was incorrect. 

This account is still showing in the revolving status, please see attachment stating Equifax Credit Report XXXX. Equifax also provided false information to not only me but also to CFPB please see attachment stating '' XXXX Credit Card CFPB Complaint '' stating that they closed this account and they did not. 

I 've disputed this matter countless times, this is affecting my credit which is directly affecting my life. These are not the only inaccuracies i continue to face with this reporting company, this matter needs to be dealt with the up-most priority as this is a constant agitation to me as well as to my family.
Account Number : XXXX I previously disputed this account with XXXX/XXXX XXXX on ( 2 )  occassions over the last 9 months.I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXX where the creditor stated that the account was  sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 ) bureau credit files ( see copy of letter received from XXXX/XXXX  XXXX ) and had promised to make the ( 3 ) reporting bureaus aware On XX/XX/XXXX I reviewed my credit files accessed from Experian and to my suprise I see that XXXX/XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Bank of America account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Chase changed my card without my authorization forcing me to lose points and a XXXX travel credit I want them to compensate XXXX point for my timr How can they arbitrarily open my account
Citibank froze my checking and savings accounts and forced me to set up new Citibank accounts. I could not access the frozen accounts online. I also could not go to a Citibank branch to handle the frozen accounts because there are none in XXXX. The closest branch is in XXXX. I was forced to open the new accounts over the telephone. All of my disposable funds to pay my mortgage and credit card accounts were in the frozen checking and savings accounts. Most of my monthly direct deposits went into the frozen checking account because it would still accept deposits, but not withdrawals. 

On XX/XX/2018, I tried to set up the new Citibank accounts over the telephone, but the Citibank Fraud Department said that I would have to go to the nearest branch. I told them that the nearest branch was in XXXX! I asked them if they really expected me to buy a plane ticket to fly to XXXX to set up new accounts so that I could transfer money out of my frozen accounts. XXXX, a Supervisor in the Citibank Fraud Department, said Yes that is the only way.

I was shocked!!!! Does Citibank really understand how ridiculous and unreasonable this requirement is? XXXX would not even let me speak to his Manager when I asked. By this time, I had spent 245 minutes on the telephone with Citibank at a cost of {$28.00}. I still can't believe what happened to me and the totally unacceptable customer service that I received from Citibank. Without a doubt, in all my 50 years of banking and dealing with investment and financial services companies, this was the very worst customer service experience I have had. It has been a complete nightmare. It is disgraceful that a world-class bank can not treat their preferred clients better.
This relates to HSBC 's Premier Credit card. I paid the credit card using the telephone service provided by the bank and then the bank froze the card ostensibly to verify that I was the one who paid. I waited hours for the call center to pick up my call over a period of days. finally, i got someone, the card was unfrozen.

I then spoke to someone in customer support who helped me make a request to transfer a balance from another credit card to the HSBC card. Minutes later the card was frozen to verify that I had made this request which is ridiculous as the employee from customer support had already verified my identity. I have been on hold with the call center for hours over a period of two days so far and no one picks up, and both my request and credit card are frozen. 

The bank takes arbitrary actions that prevent me from using the card and then there is no one to speak to rectify this.
Tower Loan at XXXX XXXX  XXXX XXXX In XXXX, MS has now pulled hard inquiries on my credit without authorization. I have called and written after the first three and instead of stopping they made another hard inquiry. The dates are  XX/XX/XXXX and XX/XX/XXXX of XXXX ; XX/XX/XXXX and XX/XX/XXXX Of XXXX. I do not hold any account with Tower Loan and have not for several years. They do NOT have my authorization to view my credit. Furthermore, they have been told specifically to not pull my credit both verbally and in writing.
I refinanced my mortgage XX/XX/2015 with First Guaranty Mortgage. The loan officer told me that if I refinance, the MIP on my FHA loan would be reduced and the overall monthly mortgage payment would be lowered. He gave me an estimated monthly payment and after the refinance I started paying {$1800.00} per month. XX/XX/XXXX I received a letter from the loan servicing company ( XXXX ), that my mortgage will be increased to nearly {$2300.00} due to escrow increase. On contacting XXXX for an explanation, it was revealed that I was basically lured into a refinance that turned out to be non-beneficial to me. I was quoted a low monthly payment to refinance then later faced with a large increase in monthly payment. If I knew that my payment would turn out to be so much then it would have not made any sense to spend the money to refinance. This practice is deceptive. I now have a higher overall loan balance and a longer payment term for a refinance that turned out to be senseless.
My account was over charged by {$800.00} I have included a copy of an email I sent to the company. I have pictures as proof. Besides the XXXX they also charged interest of about {$300.00} that may not have accumulated if the money was added to the correct accounts. 

Hello, I must clarify a few things, the loans are n't very clearly laid out. but here is exactly where I think the problem is. I have 4 loans :  XXXX - {$3500.00} XXXX - {$2000.00} XXXX - {$2000.00} XXXX - {$1500.00} XXXX - {$9000.00} It appears to be errors within loan XXXX. 
I paid {$1700.00} for this loan before I left school and another {$1400.00} after I left I do understand that the interest must be added and paid for but the bill was at {$2800.00} in XXXX which does n't make sense because the loan is for {$2000.00} and made in XXXX, the interest rate is at ~6.8 % I do n't understand how it can accumulate so fast. 
please take a look. 
Thank you,
I have received over XXXX calls from Credit Protection Association L.P ( CPA ). I have spoken with them several of times telling them that my debt was through XXXX and that it was paid off to XXXX. I have been given an array of different information from CPA representatives ranging from my account name is under a " XXXX '' ( I am not XXXX, nor do I know a XXXX ), the account is over a year old ( but I never received a notice ), the account can not be found under my phone number ( but they still keep calling ), and the account wont be deleted until the balance is paid. I was instructed by XXXX to deal strictly with XXXX. I have done so and cleared my balance but I still keep receiving phone calls. I need the harassment to stop. Please help. 
Thank you!
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please delete Rentdebt Automated Collection - this account doesn't belong to me. 
Action Requested : Please delete. 

XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Common issue with all auto loans, I was late on my payment, and I 'm always on time with making payments with auto loan companies. This auto finance company has been harassing me every single day! They 're constantly bugging for a payment. This is my ONLY late payment with this company. I recieved a call the 1st day of bill, and immediately the manager was really, extremely rude, and being very hostile! I 've hit a rough spot this month because my wife was on maternity leave. We do n't need this type of hostility from this company. I am very upset that they go out of their way to call 5 references over 1 late payment. I already notified them prior that I will be late this month, but will definitely make the payment. This company has had a lot of issues, rudeness, and hostility towards customers. XXXX and XXXX has them only 1 start on the website reviews. So, I 'd like to have them stop harassing me and stop this XXXX they 've been giving me and my family. I 'm not a happy customer with them at all! They 're supposed to treat their customers fairly and nicely if you 're doing business with them. I hope something can be done to put a stop to this.