WillisBack/dataset-financial-user-claim huggingface dataset:
Brand new credit card received with a credit limit of {$1000.00}. My very first payment was due XX/XX/18. I made a payment online XX/XX/18. I received an emailed same day ( XX/XX/18 ) stating the payment was " scheduled '' and would take 2 business days to post. Emailed received XX/XX/18 stating the payment made on account posted XX/XX/18. Next email received XX/XX/18 was simply stating my statement was ready. XX/XX/18 and XX/XX/18 indicated that a payment was missed. I contacted the issuing bank ( Synchrony for XXXX ) to which I was advised for the very first time that my payment was rejected. I never received any notification via email that this was an issue. On XX/XX/18 I was able to speak with a supervisor who informed me that the notices that go out for rejected payments, only go out in a letter to the home address and NOT via email like all of their other correspondences related to the financial aspect of the account. She also stated that the 2nd email that indicates a " posting '' to the account does not mean funds were received by my bank for the payment. The email does have verbiage that indicate that it being considered as " posted '' there could be issued with my bank information and funds not meeting the payment. The letter that they generate for this " rejected '' payment was dated XX/XX/18, and was received in the mail on XX/XX/18. As a result of this undisclosed " rejected '' payment, I was charged a late fee, ( however, I would have corrected my bank acct number or used another source of payment if I was notified and the payment would not have been late ), the late payment was removed, yet my credit limit was drastically reduced. This particular credit car has options when purchasing to request installment payments of purchased, therefore by reducing the limit, the pending charges, once processed would result in the credit line being exceeded. I had previously made purchased based on my credit availability at that time. This appears to be a tactic used to set a consumer up for fee after fee. The notifications used were deceptive as they email for late payments and when payments are received, but lack timely notifications that could inform the consumer of issues that could result in a negative impact on credit and additional fees. Their resolve was for me to request a review for an increase in the credit limit ( of which I was denied ) and no options for the communication as this was their practice and they were " sorry this happened '' and I could simply pay off the card to avoid further issues.
Sent money to my wife in XXXX on XX/XX/2018 in the amount of {$120.00} at Moneygram station or CVS Pharmacy at XXXX XXXX XXXX, in XXXX, PA XXXX. Total cost {$130.00} which included the fee. Moneygram reference number XXXX. Moneygram gave me a refund including the fee later that week. Moneygram said that they didn't feel comfortable sending money for me after the review. There's nothing I can do about this they said.
I contacted Citibank via phone to make a routine transfer between my accounts. At the time I was told my account was " blocked ''. I later found out it was blocked due to a " XXXX '' review. An email sent to me in XXXX that I did not open requested information. Since XXXX Citibank never contacted me to follow up on the email. They never : sent a follow up email, sent a letter via mail, called me or the additional signers on the business account, They did however hold on to our hard earned money which did not allow me to access funds I needed to make payroll for my 35+ staff. I believe if they blocked my account they should give me my money and close the account - not hold on to it until it's cleared. 

Further, after I submitted requested paperwork and heard it will take 4 days to clear my account NO ONE from Citibank contacted me. Instead I had to contact them on the 2nd day to find out what is going on.
Summit Receivables, a collection agency, has failed to honor cease and desist letter by contacting family, friends and employers regarding alleged debt. Agency also misrepresents itself by stating that a check to them was returned for insufficient funds. Company has also failed to send any notice to validate debt. Cease and Desist letter sent XXXX XXXX, 2015.
Today is XX/XX/2018 and for the past few days I have been in contact with XXXX XXXX   customer support team. I do believe that there has been a breach in the contract since contract expressly states that the loan is a daily simple interest loan which accrues interest on a daily basis. So when the contract says in plain english that " prepayment of principal may reduce the total amount of interest you pay under this agreement '' then I do expect to save money on the interest as stated. So on date of XX/XX/2018, I paid {$1000.00} so shouldn't I have saved on the interest according to the contract? But instead my balance went up more then the original pay off amount so I getting ripped off by these people while I am here trying to do what's right. Why am I paying more interest charges of the portion that has been paid in advance in a daily simple interest loan? This is not what I signed in the contract. I do also have copies of the email correspondence from Netcredit 's support team sounds like they gave me the run around. 

My total balance on XX/XX/2018 was {$1600.00} and I paid a total of {$96.00} on Friday and {$1000.00} on XX/XX/2018 so why is my balance {$600.00} Where is the reduced total amount of interest?
Upon checking my credit report, in both XXXX and XXXX I came upon a debt for {$610.00} on an ambulance charge with XXXX XXXX XXXX as the original creditor. The opened date was XXXX XXXX, XXXX and the last reported date as of XXXX XXXX, XXXX. I believe this debt to not be mine as I do have medical insurance through my employer and have not had to use an ambulance service but my insurance would have covered it if I did. I do have other ambulance service debts reporting on my credit report, however they are being reported by XXXX XXXX XXXX XXXX XXXX as the original creditor and the opened date is from XX/XX/XXXX and XX/XX/XXXX, but is being collected by another debt collection agency. I have disputed the debt with XXXX but have not with XXXX at the moment. I have also not received a verification of the debt by letter from the agency collecting this debt and had tried to call the number provided on my report but it states the voicemail is full. I also tried accessing the website but when providing my information such as, name, zip code, and last XXXX of my SSN, it states they are unable to find my information.
XXXX XXXX is stating that I was late a couple of times. My loans were in forbearance with the company. I will like for them to update the necessary information to never late.
I am XXXX year old retired elderly woman living on a very small fixed income. I have a bank account with Capital One. I cancelled my services with the XXXX and the XXXX XXXX. Both the XXXX  and the XXXX XXXX said that they closed the account, and no more monthly debits would come out of my Capital One account. That was in XX/XX/2017. When I saw that funds were still being monthly debited from my Capital One account, Capital One said that they stopped payment and no more money wouldn't be debited from my account to XXXX nor the XXXX XXXX. In addition, Capital One issued me a new debit card for my checking account. However, even with the new card and Capital One stating that they stopped payment on the two accounts ( XXXX and XXXX XXXX ) each month funds are still going out XXXX  and XXXX XXXX.

I don't understand why Capital One is working for these two merchants against their own customer who they promised that they would stop payment.

Capital One is taking money out of my account unauthorized after I told them to stop payment to those two merchants back in XX/XX/XXXX, and Capital One issued me a new card saying that they stopped payment and it won't happen again.

There are some days that I can not eat because I relied on Capital One 's statement to me that they cancelled those two merchants from my account. Capital One has caused me so much problems leading to even physical problems for this unnecessary stress.
Back several years ago my credit file got mixed up with someone who has very similar information as mine, they have the same name, and there ssn was a couple numbers different which caused me all kinds of issues. I have made equifax aware of this situation on multiple occasions and they never fix the issues or investigate and show proof of how they got the information. I believe now they get pleasure from seeing what problems these issues have caused me. I need these problems fixed now! See below the issues I'm having. 

I'm worried about a wrong address thats not mine- Please remove XXXX XXXX XXXX XXXX Ky XXXX since this could lead to fraudulent accounts. 

XXXX XXXX- I have 0 accounts and have never had an account go into bankruptcy with them. 

XXXX XXXX- I have no accounts and don't know who they are. 

XXXX I do not have any accounts with this company Target- I do not have any accounts with this company XXXX XXXX??? Equifax allows this company to report information about me even after I've requested information on who these people are, I don't know them and they have never provided me a contract with my name or ssn showing I've ever had an account.

Bankruptcy- I have requested several times that equifax provide me with official court documents with my personal information showing I have a BK, they have never provided me anything but continue listing this information. I have personally called the BK court and have asked several times about how this could happen and they stated information of this nature would never come from them!!! How can I have accounts listed in a BK if no one can provide me with information showing it even belongs to me???
Inquiry details on my account, Please remove this. Thank you! 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have recently obtained a copy of my XXXX  credit report. It showed a credit inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my Home loan application and making it very difficult for me to acquire credit I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward documentation that you have already had the unauthorized inquiry removed. 

However. should you find that I am remiss and that you did have my authorization to inquire into my credit report then please send me proof of this fact Thank you very much.
Unable to retrieve my free credit report as I believe I have been a victim of Identity Theft, since the security questions I was asked did not correspond to my life.
My wife has been harrassed by XXXX from Kinum, IncPhone : ( XXXX ) XXXX on several occasions. When I attempted to call he was extremely rude and eventually hung the phone up on me. he threatened to get the money through my job at the XXXX XXXX XXXX at the time. He sent a text to my cell phone with his phone number. I addressed the issue with our insurance company and they are processing the claim for payment to the original medical provider. XXXX is extremely rude and aggressive and should not be allowed to communicate in this manner.
This is additional information for complaint # XXXX : XXXX XXXX XXXX stating this account was opened on XX/XX/XXXX, when this account is actually from over 6 years ago. XXXX sent letter via CFPB stating last payment made on XX/XX/XXXX. 

In regards to collections from XXXX XXXX XXXX, I have sent in several complaints in regards to this same debt that has changed hands numerous times with incorrect information. The original debtor was XXXX  changed to XXXX transferred to several other collection agencies now with XXXX XXXX XXXX. This was a XXXX XXXX card, XXXX XXXX sold to XXXX XXXX. XXXX XXXX sent me defective merchandise and when their workers came to pick up, they left merchandise ( mattresses ) on the curb outside my apartment building in XXXX, which is against the law in XXXX. I contacted XXXX XXXX as I had to pay {$500.00} to immediately have removed myself, as well as issues with refund to my card due to their drivers not bringing back merchandise. Ultimately, XXXX XXXX corporate stated the matter was corrected and my account was current and I asked for it to be closed. Apparently, this was not communicated to XXXX  later XXXX and once transferred collections started. I have repeatedly asked for itemized bills from all parties and no one will send out to me. I reported all my credit cards stolen in XX/XX/XXXX and sent police report to all my credit card companies etc, which is still being reflected on my credit reports by XXXX  on other accounts. However, XXXX XXXX XXXX is not only reporting me as owing {$2400.00} but stated that I made a purchase in XX/XX/XXXX, when even XXXX  sent letter via CFPB stating that last purchase was XX/XX/XXXX. Also, XXXX XXXX XXXX is reporting on XXXX that I made a payment in XX/XX/XXXX, which is absolutely false. I do not owe anything on this matter and I again ask for itemized bill so that I may determine what they are trying to state that I owe. XXXX XXXX XXXX stated that they do not have an itemized bill and I have to contact the store to obtain one. What store am I supposed to contact if I have no idea what the charges are. 



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Navient calls an elderly student loan co-signer in a harassing manner upwards of six times a day ; they refuse to comply with the Fair Debt Collection Act.
I set up an Account with WellsFargo in 2008. I made a settlement to pay off XXXX account. Today I received a call saying I have another account that needs to be paid off. Again they made another settlement. I just want to be sure that I 'm not just giving wellsfargo money after reading about all the fake accounts.
I have health insurance that would have covered this debt. It should have went to insurance after I paid my co-pay
My father,   XXXX   XXXX  , passed away  XX/XX/XXXX  ; at the time he had a mortgage with Nationstar Mortgage Company, Loan #   XXXX   in  XXXX , Idaho. I contacted Nationstar on XX/XX/XXXX  to let them know that he had died and that we were looking through documents, looking for a will, etc. On XX/XX/XXXX  I contacted Nationstar again via phone to tell them that the estate was insolvent and that I was sending a letter of insolvency along with a copy of the death certificate. They refused to talk to me about the account specifically because I was not on the account, I said that was fine, I just needed an address to send the letter to. I mailed those documents out on XX/XX/XXXX  with the statement : This is to notify you that the account holder,   XXXX   XXXX   XXXX  , is deceased. Enclosed is a copy of the certificate of death.
It has been determined by a lawyer that the estate in insolvent as the deceaseds assets are insufficient to pay the estate debts, taxes, and administrative expenses ; no probate action will be contemplated.
Please exercise your rights as you see fit, however I kindly request that you stop contacting the estate regarding this account as required by the Fair Debt Collection Practice Act. ( please see attached document ) I had been receiving my bills for my father 's mortgage at my personal home address since mid- XXXX  and continued to receive them even after my request to stop. I sent another letter mid-  XXXX    reminding them that the estate was insolvent, that I had already sent documentation and to please stop harassing me with bills at my personal residence. They persisted and bills/statements/etc. come to my home address several times a month ... since   XXXX   I have been returning these items to sender marked, " Return to Sender, Recipient Deceased, Estate Insolvent '', and have done so for nearly a year.
On XX/XX/XXXX  at  XXXX  on a Sunday evening I personally was served papers that Nationstar is suing ME for my dad 's mortgage. There was no money in my father 's " estate '' to even pay for funeral services, so I had to pay those out of my own pocket, and now Nationstar is forcing me to pay for an attorney out of my own pocket for a debt that is not even mine. I have notified Nationstar of my father 's estate insolvency as a courtesy, and have repeatedly asked Nationstar to stop contacting me personally for debt collection on this account and they have persistently harassed my home address for 18 months. No where on my father 's mortgage is my name listed ( I was a minor at the time of the home 's purchase ) and now my name is listed in the state 's repository as a civil defendant. Nationstar would n't even talk to me on the phone because I was not on the account, but they 're certainly willing to bombard my mailbox with bills, and SUE me for the debt. I would say that Nationstar has used abusive, unfair, and deceptive practices to try to collect a debt that is not my obligation to pay.
My payment is due on the first of each month. For the payment that is due on XXXX XXXX, 2015, I did not receive a statement. I contacted Green Tree to request them to provide a statement. The response was that they were unable to provide a replacement statement.
I entered a {$20.00} subscription to The XXXX XXXX. After receiving a couple of issues I decided I didn't want it and the magazines and they stopped coming. I forgot to actually cancel. They subsequently threatened collection. I wrote them on their website offering to pay them the XXXX dollars or so for the issues I did receive. I received no reply. Today I received a collection notice from XXXX XXXX XXXX XXXX of XXXX XXXX NY. for {$20.00}. That's {$20.00} for a product I essentially never received.
I received a letter at my residence in XXXX, XXXX via my employer ( XXXX XXXX ) that I would have my wages garnished for a debt. I reached out to my employer for more information however they were short with me. I made several attempts to the court however they were no help. I would have physically went to the courthouse however I live in XXXX and the court house was in XXXX XXXX, XXXX. I was never notified by the debt collector ( Asset Acceptance ) or court formally at my residence in XXXX. To make matters worse they took me to court in a state that I do not reside. The debt was paid in full however they refuse to remove it off my credit reports. I still to this day do not know what the debt was for. The case number at the court house is XXXX and the XXXX XXXX XXXX XXXX XXXX. The county is XXXX County, XXXX XXXX, XXXX. I have also included my XXXX XXXX license to prove I got it issued on XXXX/XXXX/2008 once year prior to the Judgement issued to me.
I spoke with a FedLoan representative about enrolling in the Public Service Loan Forgiveness ( PSLF ) program and was told that payments that I made under the 10-year Standard Repayment plan are not " qualifying payments '' that count toward PSLF. However, the definitions on the PSLF form include the " 10-Year Standard REpayment plsn '' [ sic ] as a " qualifying repayment plan. '' The representative did not explain this.
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Follow up to Case # XXXX against student loan provider, Navient 's, negligent, deceitful, and potentially illegal/regulatory non-compliant practices that are harmful to borrowers and destructive to fair trade. 

Complaint # 3 I have documentation and cause to suspect that Navient 's internal controls or lack of sufficient controls are in violation of revenue compliance regulations and XXXX requirements. During recent interactions with Navient while following up to my first complaint, I witnessed and discovered the following : ( 1 ) a lack of accurate and complete internal organization of my customer data, ( 2 ) incorrect or insufficient reporting to me of activities I knew from prior research Navient had administered on my account that had the potential of negatively impacting my good account standing and causing long term harm to my overall publicly reported credit worthiness, ( 3 ) insufficient employee training on how to obtain and communicate accurate and complete account information to me when I requested it, ( 4 ) improper protocol for timing and execution of data systems processes that impact revenue reporting in financial statements, ( 5 ) a massive series of emails and phone calls, separately to me and my husband, resulting from Navient controlled activities that caused me significant XXXX and possible public financial harm, either in fact or in appearance if improper negative reporting was issued to credit agencies about me ( because I still do n't know what Navient did to my accounts after I informed the customer advocate department on or around XXXX/XXXX/16 that my mother passed away that day ). 
After a series of contradicting communications from Navient via different channels, including poorly explained modifications to payment allocations in spreadsheets I downloaded from the Navient website, fluctuating information in written letters regarding my payment due dates and account status that have been delivered to me back to back within the same month, now spanning into three months, combined with conflicting and contradicting statements made over the phone to me by Navient reps attempting to explain activities on my account, to being informed that activities on my account were occurring remotely during the call and would be explained to me in a ground postal letter, that was never delivered.
This is a copy of my most recent email to XXXX, after trying over a year to get my free credit report : " Would you please explain to me, why after all this time and full size documents I took my time to send ... REPEATEDLY send nonetheless, why I have yet to receive my credit report? 
My social security card and number, STATE issued photo ID, copy of my utility bills, etc have all been sent and there still send to be an issue when just sending MY OWN information. Why is that? 
Also, there IS no conflicting information nor fraudulent information sent on part, or else I would've never been ABLE TO GET a social security card, state ID, etc to " prove '' my own identity. 
This is ridiculous at this point, and I've elected to reach out to higher authorities on this matter, because there is no reasonable excuse that exist as to why I've been excluded from my own information I am entitled to, in accordance with state and federal Laws especially. 
And any person would be naturally justified to file complaint and seek higher authority.

There are FEDERAL LAWS against withholding a person 's Right to his/her own information. Yet, your site even states that any 3rd party can get my information, and I'm sure that they don't even have to go through all this. 
For example, I rightfully and naturally would have issue that anybody can walk into a bank and claim to work there or actually work there but easily access AND PRINT MY personal, federally protected information for even fraudulent means. Yet even WITH my having to KEEP sending all my proof and asked to do so repeatedly nonetheless, it has taken repeated effort and expense on my part to give you information to me that you already have and have access to that you have IMMEDIATELY AND READILY handed over to banks, and any other 3rd party institution at their leisure. '' I have spoken over the phone to several reps of XXXX, because free credit report.com keeps sending the same email " sorry for your inconvenience ... click on this link and go straight to XXXX to resolve ... '' nonsense.