WillisBack/dataset-financial-user-claim huggingface dataset:
I am self employed and I started having health problems and still am to this day under several doctors care. I lost my income and i wasnt able to pay the monthly installments. I tried to work out something else and they refused. Kept calling with threats. Today i get a call claiming it was a courier trying to deliver a letter thaf i had to sign. then called friends and relatives. I called back to see what they were talking about and the guy said i owed XXXX dollars on a XXXX dollar loan. I said really do you think I got that kind of money. He said he wasnt going to argue with me. he threating to take me to court. i told him that was predatory lending and the amount was ridiculous. He keep gettin smart so i hung up. then a few minutes later he called back. my number is on the do not call list but they keep calling. The company is Spotloan
I APPLIED FOR A MACY 'S CREDIT CARD AND PURCHASED XXXX ITEM WHEN I GOT MY APPROVAL IN THE AMOUNT OF {$53.00}. I WAS INFORMED THAT I WOULD RECEIVE MY CARD AND THE STATEMENT IN THE MAIL. I WAITED AND WAITED AND DID NOT RECEIVE ANYTHING. THEREFORE, I WENT INTO MACY 'S AND ASKED THEM TO PULL UP MY ACCOUNT. I TOLD THEM THAT I OWED THEM MONEY AND WANTED TO PAY OFF MY ACCOUNT. THE CUSTOMER SERVICE PERSON WAS NOT ABLE TO PULL MY ACCOUNT AND STATED THAT I DID NOT HAVE AN ACCOUNT WITH THEM. UPON LOOKING AT MY CREDIT REPORT, I REALIZED THAT MACY 'S HAD REPORTED ME TO THE COLLECTIONS AND IT WAS SHOWING ON MY CREDIT REPORT. I DID SOME RESEARCH FOUND A CUSTOMER SERVICE NUMBER TO CONTACT AND WHEN I DID, THEIR RESPONSE WAS THAT THEY MAILED OUT THE CARD AND THE STATEMENT AND CONFIRMED A CORRECT MAILING ADDRESS FOR ME, BUT FOR SOME REASON BOTH THE CARD AND THE STATEMENT WAS SENT BACK TO THEM AND THEY NEVER CONTACTED ME TO ADVISE ME OF THIS MATTER, EVEN THOUGH I HAD PROVIDED THEM WITH ALL CORRECT INFORMATION. THEY WANT ME NOW TO PAY THE BALANCE OFF AND THEN TRY TO DISPUTE THIS MATTER SO THAT THEY CAN CONSIDER REMOVING IT OFF OF MY CREDIT REPORT. I WOULD LIKE THIS MATTER INVESTIGATED SO THAT I CAN CLEAR UP THIS MESS AND HAVE IT REMOVED FROM MY CREDIT REPORT AT ONCE.
A debt collector called me about two weeks ago saying that I owed some debt from a medical procedure. I had never received a bill from the doctor or from anyone for that matter so I was shocked to get the call. They asked me to pay on the phone, I declined to do so because I thought it was a scam call. I did some brief research online and saw that they needed to send me written validation of the debt before I needed to dispute the debt or do anything ( see 15 U.S.C.A. 1692g, requiring written validation ). I got another call tonight and the person was very rude and demanded that I pay the debt right then on the phone. I informed the lady that I had not been sent a validation. She insisted that I had ( quoting my street address, but not giving my city or zip code - perhaps they sent it to the wrong address? ). I have not received any written notice as required by law, and this debt collector lied to me about having sent the mail required by law. This is unacceptable and illegal intimidation.
COMPANY CONTINUE TO HARASS PHONE CALLS/ NOTICE AND DEMAND PAYMENT {$6300.00} ON ACCOUNT NOT MINES/ OVER CHARGES OF FEES..COMPANY VIOLATES FCBA AND FDCPA ; 1692d, 1692f, 1692g
I had to call because my access was blocked never did a representative tell me nor did I receive a letter stating they were closing my account.I have been banking with them for years and it wasnt overdrawn and also I had direct deposit.
On or about XX/XX/2018, I paid my monthly bill through Suntrust Bank, acct # XXXX. My rental check of {$1500.00} that I requested was never sent to my rental agent, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ; therefore, XXXX XXXX XXXX began a small claim ( approximately {$220.00} ) against me for none payment of rent for XXXX. I had asked for the check to be mailed by XX/XX/2018. After the XXXX county sheriff put a summons on my door XX/XX/2018, I paid XXXX XXXX XXXX {$1800.00} ( rent plus the cost of court. ) On or about XX/XX/2018, XXXX XXXX XXXX sent me my lost check. The company said a XXXX XXXX found the check included in his accounts receivables. He then took it upon himself to deliver the check to the intended company. 

The company that Suntrust uses for Billpay is actually unknown to me, and they won't divulge the name. I believe the company is XXXX, located in Florida. .1. I made a claim for the Billpay company to refund my {$220.00} ; they never replied to me ; however they wrote in my file that I supplied them with an incorrect mailing address for XXXX XXXX XXXX. That accusation is incorrect. That company had paid to that same address for the three previous months without any incident. 2. The Billpay company owes me a written response.
I 've done everything I can to pay my student debts. I 've joined the military, but the benefits they offer do not extend to private loans. I 've payed off all of my federal loans now, but I still have trouble with the private loans. There are no options with them other than forbearance, which I am currently in.
After seeing recent media on hacks on the American public information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

These accounts are inaccurate and should not be on my credit report. 

XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

These following companies below have put unauthorized inquires on my credit report. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
I purchased a Chanel Purse for my daughter on XXXX/XXXX/16 for the amount of {$470.00}. On XXXX/XXXX/16 I contacted E-Bay and Pay Pal to notify them that the purse was a replica, my instructions from Pay Pal was to ship it back to the seller because I could not understand the hand written address from the seller. Pay Pal emailed me the sellers address to the email I had at the time. I changed my email on XXXX/XXXX/16 and they failed to confirm the address with me so it appeared i missed 10 day grace period deadline. I mentioned to XXXX that I was not able to provide the tracking number for the shipping because USPS does not provide one. On XXXX/XXXX/16 i was not aware the appeal was denied until I had shipped the purse to the seller to XXXX. It was returned by the seller who refused to accept it. We received the purse on XX/XX/2016.We called our bank and they refused to help us because we missed the 60 day grace period. On XXXX/XXXX/16 I spoke to XXXX ( Manager Dispute Dept. ) where he finalized his decision not to reimburse me due to lack of communication and not meeting the deadline ( I feel l that we would have not missed the deadlines had they sent the to my correct email address ) so he closed the case. I explained to XXXX that i am short {$470.00} plus shipping. I was not told that i had a deadline until i received the email at my correct email which had been too late. 
( Shipping was {$58.00} which I was credited only {$20.00} )
For the past 3 days, I have been trying to obtain my free credit report from Experian, via the " annualcreditreport '' website. Each time, I answer the preliminary questions ( name, SSN, etc ) and get to the XXXX screen ( specify which report you want ). I request only the report from Experian. At that point, the request fails. I get a message from my web browser ( XXXX ), stating that it can not validate the security certificate for annualcreditreport.experian.com. When I tell the browser to continue anyway, I get a message from Experian, saying that my request can not be processed at this time, try again later. In previous years, I have been able to request the free credit report from Experian and the other XXXX companies, via the annualcreditreport.com website. I suspect that Experian is causing this problem deliberately, to prevent people from obtaining a free credit report from Experian. Furthermore, there is no way to contact Experian via email to report the problem. I request assistance from CFPB to obtain this report, and that CFPB take action against Experian.
This all happened from the past 4 weeks and is still going on. I am having a major problem with my Citi simplicity credit card and I have been through absolute XXXX with their customer service for hours and hours and days and days and I just can't take this anymore. I have made a lot of payments on my card to get rid of the cash advance fees but I have now had my card blocked because they said I have 2 returned check fees and a failed debit payment. When I looked on the statement I saw that they indeed received those payments from me with a confirmation number on the exact same days that they gave me those fees. The money has been taken from my bank account and they have put a hold on XXXX XXXX $ payments all while giving me those return check fees. After fighting with them for so long I finally started to make progress as they were going to remove those fees and put my money back on the card as well as I was promised by multiple people that since I went through all of this for no reason that they were going to give me XXXX dollars worth of credits because of how badly I was treated. This was all promised to me from managers. It has now been a week and they put XXXX on my card which I went to go use and they declined it and took it right back. I was so upset that I was promised all of this for everything they put me through and received nothing. In fact I did get a woman that thought she put me on hold and actually mocked me to her co workers in whiny voice completely making fun of me and are just playing games with me now and I have bad XXXX and XXXX problems as it is and this whole mess is making me sick. The funny thing is that yes I have to have consent from them to record the phone call but I do not have to have the consent when I am placed on hold for long periods of time. Well it just so happens that I didn't fact get the woman who placed me on hold mocking me when she thought she put me on hold and that is a serious problem and I am going to discuss this with my lawyer. Citi has really screwed me over and now I get mocked for wanting what is owed to me so please let me know if there is anymore of a blatant disrespect and disregard for a customer and a complete showing of defamation of character and I will be talking to my lawyer about the way I have been treated.
On Tuesday XX/XX/XXXX, 2015, my mother recieved a message on her answering service, stating this was, XXXX XXXX from XXXX regarding XXXX XXXX. I have not lived at that residence for XXXX years and also have not had that number in the XXXX years I 've been gone. That is my mother 's home and also her home number. Her message continued by saying XXXX has to be at this address Thursday the XX/XX/XXXX to recieve letter and if not there they would send police to arrest me.. Once I recieved the information from my mother, I contacted the number given XXXX XXXX to find out what this was in reference to. I got there voicemail and left the case number she left on answering machine along with my new number to be contacted. The following day, the XX/XX/XXXX I reached out again, and again got voicemail. No one contacted me or came to my mother 's home. Researching on the internet unfair debt collection practices I came across your website.
I filed bankrupcy on XXXX XXXX, had meeting on XXXX XXXX. No creditors showed. The doctor resumitted his bill to my insurance for XXXX/XXXX/2014 and was paid everything owed except XXXX of the bill which I already had added to my backrupcy for XXXX. So the collection company is trying to get more than what is owed, on top of trying to collect a debt that is going to be charged off. They never filed anything to dispute the banckrupcy. I recieved another letter to collect XXXX today.
I do not owe the amount stated on my credit report. Plus this account was charged off. I have noticed once per year that they are entering the information again making the account look open.
I am writing because there are some errors on my credit report and they belong to my sister and my mother. My name is XXXX XXXX, and I am continually linked to my mother, XXXX XXXX, and my sister XXXX XXXX. I can not change my address because whenever I have my mother and sister 's mail is redirected as well. I have realized that this is due to errors on my report. I have never lived in XXXX, MA. My sister, XXXX XXXX has. I have also never had a XXXX credit card, this account belongs to my sister as well, and I need it to be removed from my financial record. We are XXXX different people, with similar names and addresses, until recently, but we do not share a social security number. I need my account separated from my mothers and sister 's as I plan on moving and purchasing a home. My sister had been dealing with the XXXX crediting companies for many years, trying to separate her financial record from my mothers, but I do not understand how this could be hurting me as well, since I do not share the same first name with my mother or sister. The XXXX crediting agencies have made these errors on my report and have not corrected them, thus I thought to report it once again before seeking legal action. I have attached copies of our XXXX different passports, in the hopes of showing XXXX different individuals, whom happen to be related, not the same person.
A friend with financial problems asked me to make 2 payments on her credit card which was a Chase card and I had a Chase bank account. I made 2 authorized telephone transfers, supposedly recorded by Chase, on XX/XX/XXXX and XX/XX/XXXX from my bank account to her credit card. In XXXX, XXXX, I discovered that without my consent or approval, {$25000.00} was transferred from my account to her credit card from XX/XX/XXXX to XX/XX/XXXX. I immediately called Chase to report a fraud. Chase determined that these transactions were valid even without my authorization, and without any of my personal information which I never shared with her, because I had made the 2 previous valid transfers to her account. I have asked Chase to provide evidence for the initiation and approval of the unauthorized transfers but they will not provide any such evidence. The problem here is that Chase 's system allows anyone to transfer money from someone else 's account to their own account without any proof that the account they are transferring from belongs to them. I have reported it to the police, the FCC, and XXXX investigates..I first spoke to my private banker on XXXX. She told me I was protected by Chase 's zero liability policy. She filed a fraud claim with Chase which was rejected by mail. I followed up myself with Chase 's fraud department on XX/XX/XXXX but was told there nothing more Chase could do.
I applied for a store credit card at XXXX XXXX in XXXX, MD which is serviced by Wells Fargo. They claimed that this card was no interest for the first 12 months. Over the course of the next year I made payments as agreed upon and at the last 3 months paid 600+ to make sure that the balance would be paid off before interest was applied on XX/XX/2018. 

I sent my bill pay form XXXX as usual and the check was received by XX/XX/XXXX for {$660.00} which was over the balance by XXXXcents. I logged on severally but the payment was not applied. I called my bank to check what the problem was and they provided a receipt that payment was sent and received on time. 
That is when Wells Fargo reps started calling me for payment and I told them i had already paid. I have all the call logs of this. They sent me to another department and i have been working with 'XXXX '' from XXXX XXXX XXXX. She asked me to fax her proof of payment and I did, twice. 

This morning about a week later, XXXX called and said they would not honor my payment because they did not cash it. I got to my computer, paid {$660.00} which was the original outstanding balance and let her know that I would file a complain with the banks ( wells Fargo, XXXX ) and with the Federal Trade Commission as this seems odd that only the last payment went missing and i used the same method to send payment. 

I have also asked Wells Fargo to close the account as this is my 2nd time trying business with them unsuccessfully. I believe this is unfair practice and if the account was truly no interest the payment would have been cashed without issue. I believe because i was able to pay off the balance, wells fargo " lost " the final check so as to apply $ 700+ interest on my account. 

I am writing to seek assistance in closing this account and in making sure that they do not have detrimental effect on my credit report. 

Thank you for your time and assistance on this, XXXX XXXX ( XXXX ) XXXX XXXX
My repayment for the Parent Plus loan that was taken out through XXXX is not with Navient. The payment is XXXX a month. I can not afford this. My elderly Mom recently moved in with me and I am her sole caretaker. Please let me know if there is anyway I can get this loan wiped out or cheaper a month. The first installment was due in XX/XX/XXXX but I have put payment off through Navient until XX/XX/XXXX. Then I will be calling again to defer the payment. Meanwhile my interest is compounding. The Total amount of the loan is over {$42000.00}. Please help
I have disputed the late payments on this XXXX XXXX XXXX XXXX And XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home. 


" I have disputed this charge off on XXXX XXXX for months. XXXX  and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of  the Fair Credit Reporting Act. ''
I co-signed for XXXX loans way back in the year of XX/XX/XXXX. 
My son defaulted on the loans and naturally the company ( XXXX now known as NAVIENT ) came after me the co-signer. I told them I am sorry but I have financial hardship due to my XXXX and medical bills and can not make any payments. It has been 14 years and the statue of limitations has applied. Further more these loans were included in my Chapter XXXX bankruptcy discharged on XX/XX/XXXX. It is in my contract that I can include in a bankruptcy if there is a financial hardship. 
Please have NAVIENT to stop selling the loan accounts to credit collectors. Please have the credit collection company to stop reporting non-payments to the credit bureaus. 
NAVIENT has turned
Over 30 days ago I sent TransUnion a letter disputing that the information they have reporting on a car loan by XXXX XXXX is showing inaccurate. TransUnion is showing me being late 60 days when In fact there was never a late payment on this account. TransUnion is showing the wrong open date of XX/XX/2017, the wrong high balance of {$89000.00} and is not showing the paid off amount of {$86000.00}. Experian is showing the account as paid but all three bureaus are showing different balances and open dates. TransUnion seems that they are not in any hurry to fix this problem! So I reach out to the Finance Company that I paid the loan off with which is XXXX XXXX XXXX XXXX, and ask them to provide me prove of payment and all data of the transaction of payment with my signature attached. This information provides all the proper data to support my claim.
This XXXX or XXXX XXXX called my XXXX year old daughter 's phone and left message that she is wanting to serve me and is threatening to take legal action against me. stated she has my name and social. I returned the call but went to recording stating the company name is A R M? So i researched this XXXX XXXX and this company A R M on the internet and read these people are scammers. how in the world did they get my daughter 's phone number? this is not the first " phantom debt " collector threatening me and repeatedly calling my several daughter 's phone and also calling my employer! these companies need to be stopped please Help! I have never received one piece of correspondence from this person nor this company.
XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX DELINQ XXXX IQUIRE NOT DONE BY ME XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX , FL XXXX
I 'm contacting your agency to understand why my account with Bank of America would be transferred to a collection agency and per the letter from the agency account is in a delinquent status. I understood only collection accounts are turned over to agencies for payment. The letter from the agency is dated XX/XX/2015 and Bank of America has just processed my latest payment to them on XX/XX/2015.Please advise
The home was sold at a foreclosure without proper notice in XXXX 2011. I complained for weeks, then the sale was rescinded. XXXX/XXXX/2011. It " will be sold at a later date, '' according to the PHH XXXX Department. 
Assigned XXXX/XXXX/2011 to Foreclosure Attorney, XXXX XXXX XXXX, XXXX XXXX XXXX 
XXXX/XXXX/2011 - Insurance submitted. 
I am in the process of doing a Qualified Written Request and/or XXXX XXXX. The current status is in active foreclosure.
my personal information was used to obtain XXXX platinum card, the card was never issued. I contacted both XXXX as well as Experian credit reporting agency to delete the credit inquiery from my Experian file but so far nothing has been done, I also forwarded Experian with the police report but no action has been taken by Experian to remove the inquiery from my credit file.