WillisBack/dataset-financial-user-claim huggingface dataset:
A couple of years ago ( about XXXX ), I took out a {$300.00} payday loan with XXXX XXXX, in XXXX County, California. I intended to pay it off but forgot about it, when I moved to XXXX, California, to rent a room from my Sister in XXXX, California. A while back, I received e-mails from XXXX XXXX XXXX and XXXX XXXX demanding payment of {$400.00}. As background, I am XXXX XXXX XXXX, and about XXXX, I became a victim of identity fraud when I got a phone call at my workplace, with the caller stating I owed them {$500.00} and if I didn't pay this amount immediately, using a card purchased at XXXX, the caller 's company would sue me in a court action, and I mostly likely would lose my job. This phone call frightened me and I did as instructed, bought the card and loaded {$500.00} onto it, and sent the payment. After I had completed this payment, I spoke about it with the California Attorney General 's Fraud Unit on the phone and that representative told me there was no way to trace the payment and I was out the money. They also told me it was probably a scam, and I should never send funds this way. With regard to my current situation, I have responded to the loan company, ACE, but they insist that I buy an XXXX card, load {$400.00} onto it and send the funds this way to ACE. I am wary of sending payment via an XXXX  card because around XXXX XXXX, a local tv channel news item told the viewer not to use an XXXX   card for payment, they were a scam. Also, I am leery of sending funds to the e-mail ACE because of the bad English grammar, in their email, which is another sign it might be a scam. So, today I sent another e-mail ( we have been going round and round about this payment ) to ACE, XXXX XXXX, advising him I want to make a traceable payment to resolve my debt of {$400.00} but he insisted in his e-mail I need to use the XXXX payment process, which is different from the e-mail I got from XXXX XXXX XXXX of ACE, who told me to pay using a XXXX and they would send me the correct instructions to make this payment, but XXXX XXXX stated in his e-mail, I can only use the XXXX  method. Hence, my contact with your office. I need correct information ( perhaps a legal corporate service of process address for XXXX XXXX ) to send the {$400.00} to ACE and resolve this matter. Today, I spoke on the phone with XXXX of your staff and he tried to get a good mailing address for XXXX XXXX, but he couldn't. I think I'll look at the California Department of Corporations listing and see if I can find an XXXX XXXX service of process address.
On XX/XX/XXXX I sent a U.S Postal Service Certified Mail Receipt XXXX to ERC which was received on XX/XX/XXXX. I asked ERC to verify that the debt that was placed on my XXXX   credit report under account XXXX for the amount of XXXX. In the letter it asked for them to provide me several items which they failed to do. The only thing that ERC sent was a bill that did not validate that I owe. I also did a search on the Texas Secretary of State website for ERC XXXX XXXX XXXX XXXX, FL XXXX and no results came back for this company address to collect a debt in the State of Texas. I would like for the company to provide me proof that they can collect on this debt and to provide me an agreement with ERC that authorize then to collect on this alleged debt.
First, this is my son 's student loan. The balance is under $ XXXX. I 'm XXXX. I have never missed a payment on anything in my life. My credit score was above XXXX before I started dealing with Wells Fargo. 
1. I had no idea these loans were behind. They do not send notices to co-borrowers until it is too late. They do not allow co-borrowers online access to monitor the loans. It 's 2016. 
2. After seeing my credit score charge, I called them on XXXX XXXX to find out why. I said I wanted to make a payment immediately for all balances and 45 days ahead. They took the information and sent me a written confirmation in the mail that it would be processed the next day. The payment did not go through ( their fault ). But the kicker is : THEY MADE NO EFFORT TO TELL ME. I coincidentally called them today ( XXXX XXXX ) to get a copy of the loan and they said it was still in arrears! What?! The payment did not work and they were NEVER going to inform me of that. ( For the record, I record all my phone calls and I went back and listened. The information I gave them was 100 % correct. They just did not transmit it correctly. ) They were not going to tell me they it di not work and were just going to let the penalties and fees keep piling up. 
3. When I complained about this, they sent me to another office. That person advised me they record phone calls. That 's good. I informed him ( which I am not legally obligated to do in Minnesota ) that I also record phone calls. When I told him that, he said he could not continue the phone call. They can record the phone call, but they don'tt want you recording it. What is that?! Is that even legal? 
4. Wells Fargo ( WF ) will not give me online access so I can monitor these loans although I have asked for it repeatedly. They say they are working on it. It 's 2016. They say I have to go through my son 's account. I do n't want access to his accounts. If I am equally responsible for these loans, then I should have my own direct access. They do not mail notices until well after there is a problem. 
Here is what I believe : Wells Fargo has a scam going where what they really want is to collect late fees and penalties. They do n't want co-borrowers to monitor the accounts. BTW, their late fees and penalties are exorbitant - nearly as much as the payments. This amounts are well beyond their actual damages! This is completely unjustified. Is there no federal limit on these? 
The federal government needs to require them to give ALL borrowers equal and direct access to the status of loans. They should not be permitted to collect late fees or penalties or file adverse credit actions until that is in place. It 's 2016. They say they are working on it, but in the mean time, they are happy to collect millions of dollars in fees and penalties. I doubt they are working very hard on it.
My credit card was rejected at a restaurant recently. When I called to see what the problem was, I was told that I had tried to log in previously and had not completed the log in procedure. As I then recalled, I had tried to log in, and a warning said that I would need to receive a code from my XXXX or Smart Phone. As that is not possible, I chose the option to receive the code from my email address. No code arrived. 

When I called the help desk after my credit was declined, the representative said that I would need to send a picture of my drivers license taken with my cell phone and send it to them. After, again, explaining that was not possible, he said that I would need to fax my drivers license to him. If I dont have a cell phone, I am unlikely to have a fax machine ( Does anyone fax anymore? ) I am XXXX years old and do not think that I should have to own an XXXX or Fax machine to verify my existence. Isnt giving the correct answer to my mothers maiden name, last 4 digits of my social security #, and answers to the 3 security question that I had given them to set up the account adequate? 

The case number that Capital One has for this isXXXX
Progressive Management Systems in XXXX XXXX, CA sent me a letter/correspondence and disclosed their company name and information on the outside of the envelope for my neighbors to see. This is a violation of my privacy and the FDCPA. The account number is XXXX and the letter states they are a debt collector. Even though this is a letter stating the account was withdrawn by the creditor they have now shared their company name and information. They should have put the address only on the envelope so my neighbors would not have seen their agency name.
Dear Sir/Madam, Recently, Scottrade Brokerage made the following disclosure to customers : https : //about.scottrade.com/updates/cybersecurity.htmlI would like to know if Scottrade Bank was also involved in this databreach. 

Sincerely Yours,
On XX/XX/2018 I opened a Citibank Account Package online. The terms for new account bonus were " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : -Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
-Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. '' I fulfilled all the conditions above and left the funds in the checking and savings accounts for a couple months. However, until now I still have not received the {$400.00} bonus. Furthermore, on XX/XX/2018 I also contacted Customer Service via chat and submitted a dispute about this issue but also have not heard anything since then. 

Please look into this request and issue the {$400.00} bonus as promised. Thanks.
The company,  XXXX   XXXX   XXXX   XXXX , Fl. reported on my personal   XXXX   credit report  XXXX  a placement for collection by  XXXX , account #  XXXX .  ( cr edit report pages are attached ). I mailed a letter dated  XXXX   XXXX   2017  ( which is attached ) stating that I DID NOT RECEIVE a letter for 30 day notification to have an attempt to dispute this debt before reporting to credit agency.  XXXX  is in violation Fair Credit Reporting Act for failure to do so and m y credit score dr opped  XXXX  points ( the damage ), I further followed up with a phone call to them and spoke with  XXXX   XXXX , and  XXXX  who could not locate the account information.. I then called back again and spoke to  XXXX , who said she located the account and would send me copies of the letter from  XXXX  and their " 30 day letter, WHICH I HAVE NOT RECEIVED as of today  XXXX / XXXX / 17 . This debt needs to be removed from my credit bureau agencies, since SR violated the law.
According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT
I was divorced in 2013, husband has house and XXXX  taken my name off the deed, but not off the mortgage with BB & T. He is telling me they say I need to sign a Quit Deed in order for him to remortgage. 
If my name is already off the deed, I dont see how this is necesary. I have sent them copy of divorce papers and called several times.Getting nowhere.
Bank of America continually uses their various account access resources ( web module, mobile app, etc. ) to display incorrect balances for my account, causing me to confidently make purchases for which there are no actual funds. These transactions results in irreparable " overdraft fees '' which are exorbitant and unnecessary. I have repeatedly asked that my ACTUAL balance be shown, that my transactions be made in chronological order, and not in a predatory hierarchy, and that transactions for which there are no funds simply be denied rather than overdrafted. When I bring up these concerns I 'm assured that my concerns will be met. I write this currently overdrawn, because an overdraft fee was issued when my account displayed one amount of money, and a purchase was made for LESS than that amount of money. I was told this was because I did n't ACTUALLY have that much money in my account at the time of purchase ... .well then why in XXXX 's name did your app, your website and your ATM all say I did??
I am based in the XXXX and have a coinbase account. They had no issue taking my money but since I have sold my bitcoin the service of withdrawing the money is non existant. The some of XXXX is still in my coinbase account and it will not let me click on my saved account to withdraw the money. I have tried contacting via email and twitter with zero response.
I applied for a loan modification with Wells Fargo after I filed for bankruptcy protection Chapter XXXX to reorganize my debts. I was approved for a Trial Loan Modification and Trial Plan Payments ( TPP ) under the HAMP Tier II program. The TPP started in XXXX 2015 and would continue for three months or until Wells Fargo approved the permanent loan modification. 
I consistently made the XXXX, XXXX, XXXX, XXXX, XXXX and XXXX 2015 mortgage payments. 
I received a letter from Wells Fargo dated XXXX XXXX, 2015 that advised that they were cancelling the loan modification because I did n't get approval from the Bankruptcy XXXX. My bankruptcy attorney contacted Wells Fargo and explained that approval from a judge requires consent that a permanent loan modification will get approved. I called Wells Fargo to get an extension of the TPP or to get an extension of time to get a Motion for Approval of the Permanent Loan Modification. However, Wells Fargo advised me that I had to start the entire process all over again and that if my financial situation has n't changed, they were prohibited from accepting another application. The foreclosure process would start as Wells Fargo did n't apply the TPP toward the loan.
To whom It may concern, I am writing to file a formal complaint against Toyota Financial and XXXX XXXX Dealership. In XXXX 2015 my family and I were the victims of predatory lending. We went to XXXX XXXX to find a family sized vehicle and unfortunately were told we had some negative equity that would make it nearly impossible to finance a vehicle. The salesman and sales manager insisted that if we went through their bank " Toyota Financial '' no matter the amount of negative equity, they would be able to push it through and make the deal work. At the time we were very vulnerable and the salespeople and managers at XXXX XXXX saw that and immediately took advantage of a young family and our situation. Since we leased the vehicle in XXXX 2015 we have been under a severe amount of stress trying to make the XXXX XXXX car payment each month. We have been late a few times but try our hardest not to be since we do want to maintain our decent credit. On XXXX separate occasions I contacted Toyota Financial AND XXXX XXXX to explain to them that I could no longer afford the vehicle. Toyota Financial explained to me that my only option would be to find someone that could take over the lease. This would be impossible to do considering the monthly payment. When I spoke with the dealership directly they were very frank, rude and defensive and told me if I brought the car back it would be marked on our credit as a repossession. I am writing you in one very last desperate attempt to get help as I have exhausted all other options. My family and I are victims of a monster sized companies Toyota Financial and XXXX XXXX preying on vulnerable families. I know for a fact we were victims of the following : Predatory Lending Over Excessive charges and Fees And a violation of the Truth and Lending Act I have gone to both parties and expressed my inability to continue to pay the high car payment each month and they have not given me any reasonable options. As a result of their refusal to help me I have no other choice but to file this formal complaint with you.
My name is XXXX XXXX and I received a copy of my credit report and was shocked to see two collections for XXXX XXXX XXXX/XXXX XXXX. I have never had that service but my father did. When he became ill I would help him when I could. He would give me his account information and I would pay his bills for him, or run errands, pick up groceries and things like that but at no point was my name on any of his bills. As a son I would just help him when he needed it. After he XXXX XXXX I no longer had access to his private information nor did I need to. My father 's name was XXXX XXXX and I do n't see how they can get that confused with XXXX but there is diffidently a confusion. Those two bills are not mine and have never been mine.
I received a phone call from XXXX stating they are attempting to collect a debt. They told me I have over {$10000.00} due to XXXX which was from an incident over 5 years ago that I had been told was resolved. The woman on the phone argued that I should check my credit report & then hung up on me. What I can I do to help get these people off my back? I live with chronic illness & the stress from their calls really gets to me & affects my health.
I have been contacted multiple times with threats that if I do not respond within the day I will be sued. Called to try to settle on a debt I believe to be paid and when I offered settlement amount just to get them off my back, I was told they would have to check with the 'courts '. Continued to receive a call every hour for the rest of the day. Still never received a 'validation notice ' or a notice of the right to dispute. Just constant threats of legal action.
I was contacted by a lady name XXXX XXXX from XXXX XXXX XXXX ( A XXXX XXXX XXXX ) about an alleged account ( credit card debt ) that is in my name with XXXX. The account was opened in XXXX she said and that I was the account holder so I am liable for the debt because the account holder ( which is allegedly me ) stopped making payments in XXXX. First o explained to her that account does not belong to me, then it turned out that I was added by my dad as an authorized signer, but I was not the primary holder. Then XXXX XXXX checked on the account were she verified that I was an authorized holder but she remained reiterated that I am held responsible financialy for the account were I am not the account holder, my Dad is which he passed away last year. 
She contined to say that she is sending a complaint to the police department stating that i am attempting to defraud a financial institution, which ironically that account is with XXXX XXXX XXXX and I work for XXXX XXXX XXXX where nothing showes under my name unpaid. 
please let me know how I can move forward with this. 

Thank you.
XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX XX/XX/2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.
I was contacted by Weinburg mediation group about a month ago they threatened to take me to court if I did n't pay them. We do n't have alot of money to give they said if I did n't agree to an amount they suggested I would be sued I made 2 payments and ca n't pay what they want so one payment has n't been made they are still threatening me to sue. Last call was XXXX/XXXX/17. They are also contacted my ex step mom which she has nothing to do with any of my debt.
I have been contacted by phone and in writing XXXX XXXX/XXXX/XXXX XXXX by Optimum Outcomes, Inc. I wrote them via certified letter in XXXX XXXX, showing that my insurance company paid a medical bill to XXXX XXXX XXXX and to not contact me anymore or show that the debt is valid.
I am being assessed a {$10.00} fee for paying my mortgage on the XXXX of the month. I am making my payments online through the mortgage site. There is a {$19.00} fee for contacting the mortgage directly. Is this legal?
I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided.

This is a final goodwill attempt to have you clear up my record.

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX, XXXX/XXXX XXXX XXXX   ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX  ) XXXX was a billing company and a creditor mentioned by XXXX XXXX , XXXX . 
these accounts are not mine. It must be removed immediately.
On XX/XX/19 I was notified from XXXX the company I use to monitor my credit that a hard inquiry was pulled from Experian from XXXX XXXX and I never authorized this. I have printed all the details off their website and nowhere does it say they are going to be doing a hard pull against my credit. I want this inquiry removed from my credit report immediately.
I have been disputing an account that does not belong to me with National Credit Systems since 2009. The account was removed from my credit with the Credit bureaus. Now, National Credit systems has placed the account that was removed 6 years later back on my credit. I have contacted National credit certified mail just like I did 6 years ago, and still no response back from them. National Credit Systems has never sent me a billing statement, a response letter, or a notice stating my right to dispute. They do not send anything. Instead, they just keep accessing my credit report without my consent. I have never opened an account with National Credit Systems, therefore, it is illegal for them to possess any of my personal information. I have never done business with National Credit Systems, therefore, it should be illegal for them to access my credit file. I did not do business with National Credit Systems, therefore, they have no right to list or continue to list this account that does not belong to me on my credit file.
Lakeview Loan Servicing bought my loan without my knowledge or consent from XXXX  and I've had nothing but trouble since. If I had known they were going to switch and especially that there were new terms such as fees for processing online payments, I would have applied for alternate financing!

There was some sort of an issue with the way XXXX paid my homeowner 's insurance so it was billed again and rather than checking anything, Lakeview paid it a second time. Now, they have double my annual insurance amount to cover it. I have been calling since XX/XX/XXXX when I saw that they were increasing my payments, but to no avail. I have spent numerous hours on the phone. I have sent numerous emails and they continue to ignore me. When I get them on the phone, they pretend they haven't talked to me before or have no notes and then, transfer me to non-existent lines, and I get a disconnect. I have had them talk directly to my insurance company, but they pretend to not understand! They can not be that ignorant! It is simple math!!!!

They are fully aware that the only payment to be made to my insurance company this year is {$56.00} total for the year, but they have raised my escrow amount by more than {$100.00} per month! I believe they did all of this because they know I have been struggling to make the payment. Now that I could have made the correct payment on time the last two months, I can not because I do not have the correct payment amount.

I am at a loss of what to do! This is an incredibly dishonest company!!!