WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received an email saying that I had a " Google Pay Balance Statement ''. I was not aware I had a Google Payments account, so this was an alarming revelation. 

I logged into the account and attempted to close it, but instead of closing the account, Google displays a message " We're currently unable to close your payments profile due to the Google subscription services that have been used with this payments profile. '' I contacted Google support and was told that I had an active XXXX XXXX cell phone plan. I advised that I have NEVER had XXXX XXXX service. I did click a " notify me when available '' option on a Google smart phone, several years ago, but I was never notified that the phone was available and instead use XXXX. Google support claims that this pre-order created a XXXX XXXX account. I advised Google that I did not want XXXX XXXX service and that the account should be closed. They advised they would escalate the issue. 

On XX/XX/XXXX I received an email from XXXX XXXX support advising that the account had been closed. I logged into the Google Payments profile but was still unable to close the account. I again contacted support and was told the issue would be escalated. 

On XX/XX/XXXX I had not heard any status updates from Google support, so I again reached out to them. At first, Google support told me that they didn't believe that I couldn't close the account, myself. I advised I received error messages when I try to close the account and I provided screenshots of the error messages to Google support, via email. I was told that they would escalate the issue, again. 

On XX/XX/XXXX I had not heard any status updates from Google support, so I reached out to them, via email. I received a response on XX/XX/XXXX that Google is refusing to remove my payment card and that they do not allow customers to close Google Payment accounts -- despite that option being presented on the Settings page. There is also a google support article titled how to " Permanently close your Google payments profile '' that provides steps. Unfortunately, following these steps results in the error messages I mentioned, previously. 

It is unacceptable for Google to refuse to remove my payment information, even after I have advised them that I revoke authorization for them to retain it. 

It is unacceptable for Google to refuse to close my Google Payments profile, even after I have advised them that I do not accept their privacy policy or terms of service.
There are several fraudulent unauthorized inquiries on my credit report. I have a police report on file with transunion as I am a victim of identity theft. These inquiries were not done by me. XXXX XXXX XX/XX/XXXX and XXXXXXXX XXXX XXXX XX/XX/XXXX. The account Showing on my report as XXXX is reporting inaccurate information. I have disputed this account with transunion several times and they will not update it to report accurately. My report shows that the last payment to XXXX was XX/XX/XXXX and the account close date as XX/XX/XXXX however this is inaccurate. The account close date should be XX/XX/XXXX which is the date this account was filed in a bankruptcy and the last payment was made in XX/XX/XXXX. This inaccurate reporting makes it appear that I have been delinquent with them from XXXX when in fact the account was closed
Regarding CHASE SAPPHIRE PREFERRED CARD : What : Chase out of the blue sent me a regular mail letter threatening to close my card forcibly, potentially damaging my credit. Had i been traveling or had the letter been lost I would have had my credit damaged. 

>My card was set for AUTOPAY IN FULL -the money was available for them to take. 
>I have all billing set for electronic receipt - but this critical notification was sent by regular mail only. 

Why : Chase said that the credits issued to my account were over the amount due for 2 cycles. 

My reaction : >So if credits were over amount due - then I don't owe anything -- what is the problem? 
> My card is set for AUTOPAY IN FULL. So if I owed anything - they had full authority to take it. 
> How was I to know there was any problem whatsoever? After they didn't take the money out of my account - I actually called them after each cycle and asked if there was a problem. Customer service said no. 

Then I got their letter threatening card cancellation. 

>CHASE SEEMS OBLIVIOUS to their legal consumer credit responsibilities. They failed to inform me - both verbally when i called customer service - and in a timely matter ( in my case this would be via email which is how I have elected to receive all my statements ).

> I STILL CAN'T FIGURE OUT WHY HAVING CREDIT as i did means I was behind payments when they had authority with AUTOPAY to take out whatever was due.
Reward dollars were available when TD Bank cancelled the card for inactivity. I called customer service numerous times to initiate a change of address, with no success. I also called customer service, both the credit card service and the rewards service, several times to have my rewards ( {$110.00} XXXX transferred to my brokerage account where they would receive an additional XXXX % bonus totalling XXXX {$120.00} XXXX. Although I received an email ( attached XXXX indicating this had been done, the funds never showed up in my XXXX XXXX brokerage account. I have written to TD Bank headquarters about this matter but have never received any reply.
I opened a new XXXX XXXX credit card in XX/XX/XXXX and made few purchases. In XX/XX/XXXX account representative XXXX XXXX blocked my account without explanation. In conversation with me he said that I " don't use the account '' but my explanation that I use the account for purchases on XXXX wasn't considered an acceptable explanation. 

Right now the card is remaining blocked and I can not make purchases on the card. 

XXXX XXXX asked for additional information regarding me ( social security card, driver license and business license ) but he refuses to reactivate the account.
Ocwen Mortgage took over the Servicing of my loan a few years back. They have accepted payments on the account, but do not seem to be applying the payments and
I was the personal representative for my brother 's estate. As part of my duties, I contacted the three major credit bureaus notifying them of his death, plus requesting that a notice of death be added to his file, and a copy of his credit report be sent to me for the estate records. To each I submitted a detailed letter via certified mail containing my request, plus enclosed emboss stamped originals of both his death certificate and the Letters Testamentary from the courts naming me as PR. 

XXXX returned a copy of his credit report to me with a death notice included in his file. Excellent. XXXX returned a copy of his credit report to me, but with no death notice added to his file. OK. TransUnion , however, simply returned a form letter notifying me that a death certificate and court papers were required -- both of which I provided. No copy of his credit report, and no death notice. Boo. 

I 'd like TransUnion to provide a copy of his credit report for the estate files with a death notice added to the report. ( And it would be nice if XXXX added a death notice ... )
Got a call and voicemail from XXXX. No caller ID and asked me to call back XXXX and gave me a case #. Upon calling back they asked me to verify my address, SS # etc. I did not disclose any information and I asked what this was regarding. They said they needed to verify my case before they could give me any details. Then they asked about an old account/tradeline that was paid in full and closed in 2008 9 years ago. I told them this debt was paid in full and I no longer wish to speak with them. They were threatining to sue me and stated they sent an " official '' document to my address 45 days ago and because I did not respond with 30 days they are suing and I will be arrested immediately unless the debt is settled. I then explained the debt was paid 9 years ago and I am no longer interested in speaking with them about this matter. They hung up. I am concerned that I am a victim of Identity theft.
Wells Fargo has repeatedly called and ask for debt assistance. This disclaimer can also be layed down to FDIC for further comment.
Kohls Dept Store has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
My husband and I had a loan from Wells Fargo bank sometime around XX/XX/XXXX to XX/XX/XXXX. I never missed a payment and I was never late with a payment. I paid it in full and had a XXXX  balance. I moved from XXXX to XXXX in XX/XX/XXXX and decided to close the loan. Wells Fargo charged me {$160.00}. They refused to close the loan unless I paid that amount. I paid the {$160.00} because I didn't want anything to do with that bank. I don't believe that was legal but I don't know for sure. I had never heard of having to pay a price to close an account. I no longer have the paperwork involved in that transaction but I am submitting this complaint because I want it on the record. I feel I have been ripped off by those cons.
I had an ach payment returned in XXXX which I paid as soon as I saw the bank returned it. ( Within a few days ). Not only did this mortgage company charge a return check fee on an ach but without telling me put a certified funds only hold on my account. I have been trying to make my payment for the past 2 weeks and they refuse to accept it. They want me to spend more money and send it by XXXX XXXX. I offered my debit card and told them they could run it because if they were worried about the money not being there they would know with me on the phone because my debit card wo n't work if the money is n't there but that I have the money & I 'm just trying to pay them. Even the supervisor said they ca n't accept my payment. I am worried that I may lose my house because I am now over 30 days late.
Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my second XXXX. I 'm still XXXX XXXX XXXX XXXX XXXX, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was X/XX/2013. The item still appears on all three credit bureaus, and I want it off.
Credence Resource Management LLC sent me a debt collection letter for an alleged debt I do not owe. When I called and spoke with them they were rude and hostile which is a flagrant violation of the Fair Debt Collections Practices Act. I have never heard of Credence Resource Management LLC nor do I owe them any alleged debt. I do n't want any further communication from them in any form. Their hostile debt collection tactics are flagrant violations of the Fair Debt Collections Practices Act.
My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXX and XX/XX/XXXX. During this time a fraudulent account was opened in my name with Exeter finance. Exeter finance and XXXX are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military  police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have Exeter remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint.
Due to a change in employment and a move, I had to short sell my house. Bank of America was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high XXXX. 

I contacted Bank of America and was told that because my account was closed, they couldn't fix any errors on my credit report.
I received a statement saying they are now servicing my home loan. I responded that I currently have 2 forclosure cases going on at same time. One from XXXX and 1 from XXXX for same exact thing and I do not acknowledge this dept. They responded with a package of " my loan documents '' and claim I do in fact owe them the debt. I decided to go through what they sent me page by page and compare it to the documents submitted in XXXX case and XXXX case. In XXXX papers a blank undated allonge appeared that was stamped by XXXX XXXX and a transfer of mortgage signed by XXXX XXXX. Both are known, prosecuted robot signers and document makers. But the entire package from shellpoint doesn't match anything. All the documents are fakes. All forged. Signatures arent even in same orders. XXXX # XXXX. Can mail copies if needed too many to upload. If they produce them you can compare to acris and bringing all copies to judge in XXXX supreme court on XX/XX/XXXX @ XXXX XXXX  rm XXXX doc. Number XXXX
It was on XXXX, I was making payment through XXXX XXXX XXXX program to capital one credit card and they report to credit bureau that I was late payment for 120 days even if I was paying to them through XXXX XXXX XXXX  program. I was very disappointed with XXXX XXXX XXXX and capital one credit card company. I was injured with XXXX XXXX XXXX that makes me unable to work for 3 months as well. I have only been in US for 3 year through refugee status and I dont understand much about credit game. 
Please help.
Enhanced Recovery Co.LLC is reporting this debt to credit bureaus without proper validation. I have requested validation and collection agencies keep sending me this excel spread sheet. This is not considered a valid validation. This account has been to several collection agencies and every time I ask for validation they have never been able to validate so they remove it from the credit bureaus. They are trying to collect for XXXX, I did not have service with XXXX during the time shown on the excel spreadsheet. That 's why they cant validate. I had cancelled XXXX, because my son transferred his XXXX service to our address.
XXXX of XXXX I had XXXX net work installed. I was told XXXX XXXX would install my internet. When XXXX XXXX came to install it, they said I needed to have phone line installed and to call them. He gave his business card so I could call him/ So I did. Then XXXX XXXX was charging me for the installment. Calls to XXXX XXXX and XXXX XXXX billing manager ( 3 way calls ) did not solve the issue. 
Then XXXX XXXX turned the bill over to Convergent, a  collection agency. I answered their letter but it was rejected for not enough information and sent to the credit bureaus. 
The bill started as {$260.00} and now is {$370.00}. 
I have talked to XXXX XXXX billing, a XXXX ID # XXXX. This is the following information XXXX gave to me. Disconnect order # XXXX, XXXX XXXX, XXXX 
my acct # with XXXX XXXX is XXXX. 
I need this item corrected on my credit bureau reports. All 3 credit bureaus.
Hello, LVNV Funding LLC is attempting to collect a balance of {$850.00}, a chargeoff from XXXX XXXX. 

LVNV is reporting as the original creditor and showing a credit term of 1 months. This is blatantly false information. When I dispute with the bureaus they just say " disputing '' or " verified as accurate '' and never provide proof. They can not verify this as accurate as they practice shady collection tactics and it is well known.If LVNV wants to play original creditor I require them to provide proof of an agreement with their company to the terms. 

LVNV claims not to be a collection company at all, but a subsidary acting on behalf of Resurgent Capital. 

Further, I have never received a dunning letter from LVNV funding which is required. If they dispute this fact I would urge they be required to provide proof. 

LVNV has reported incorrect and damaging information concerning the alleged debt to credit reporting agencies in violation of the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ]
I made a compliant to Equifax about a dispute I did not open. I did make a compliant to Equifax that when you do file a dispute they pull your credit score down during the investigation XXXX points making it hard to apply for credit during the time of an investigation that can take 30 -60 days. Instead of taking in the compliant to let them know they need to change that system because it is not fair to the customer. Equifax did a dispute without my consent during a time I am looking for funding. Because of what they did I can not apply to until they update the system because it pull my score down making it to low for me to get funding. I was at XXXX before the did the dispute and now it is at XXXX. I ask them to cancel dispute on XXXX XXXX, when I notice the change in my account I have with Equifax membership they told me it would update in 24 hours that would have been on XXXX, XXXX and it was not updated or cancel. I waited until after the XXXX holiday on XXXX XXXX, hoping it would have been updated still nothing. I called and spoke to a supervisor and ask why did n't my dispute get cancel and she said it was done wrong and she will do it the right way and it will take 24 hours to update. So on the XXXX XXXX, it should be update and still no change. I call in again on the XXXX XXXX, and they told me dispute was cancel but there is no change in my report or score. It is now the XXXX XXXX, and I still do not see any update on my credit showing the dispute was cancel or the score was changed. This is complely destroying my business and my life. I can not get the funding because of it. All I ask was to stop the dispute so it can go back to XXXX instead of XXXX. And they will not do it. They keep on blaming the machine but soon as they did a dispute my score changed right away. Soon as they cancel a dispute 9 days later still no changes. This is so one sided I am so stress out from this is destroying my life. All I ask was to cancel a dispute that I did not ask Equifax to do in the first place but I am the one suffering from it. I attach proof of score change, alerts with dates attached to it proving what I am saying. Please tell them to update my report showing the dispute was cancel or I going to go out of business without funding. I feel like they are punishing me from filing a compliant against there system. 
Before dispute XXXX, After XXXX and now still XXXX XXXX still XXXX. And the alert showing when and what account that got disputed by them.
Wells Fargo made erroneous credit report. See attached letter dated XX/XX/2017 to XXXX XXXX XXXX of Wells Fargo complaining about Bank Error.
I called Key 2 Recovery Inc at XXXX XXXX to get my account information so that I can pay off a debt. They gave me the information and I told them I would get the bill payed in full. Then at XXXX XXXX I received a call from them which I declined due to being at work. Then I received 4 more calls at XXXX, XXXX, XXXX, and XXXX. They called me 5 times within 13 minutes! That is harassment and it is NOT okay. I answered the phone on the 5th call and told the person I was working and can not make the payment until later. I use to work for a collection company. I know this is wrong, especially since I had already spoke with them and told them I will be paying. This is not acceptable.
I am being Hit with a hard inquiry on XX/XX/2018. I did not make any such inquiry and would like it removed from file.
On XXXX XXXX 2019 a rep from Messerli & Kramer PA stop at my parents address and talked to my sister and asked if lived there. She informed them that I do not currently live at the address. Then was asked if I would be there any time soon, she told them she was unsure. The rep then handed her an open letter which was a communication from a debt collector. Giving the name of the original guarantor, name of the collection agency, notice that I was being sued and my name on it. Even after my sister told him several times that they where at the wrong place and should give this directly to me.
I desperately wish to stay in my home. I do not have anywhere to move to with my kids. I now have the money to make regular mortgage payments. 
I was in personal bankruptcy. The mortgage company, Caliber Home Loans, agreed to provide me with a loan modification on my home mortgage ( Loan number _________, Property : XXXX XXXX, MA XXXX_ ) so I voluntarily dismissed my personal bankruptcy case in early XXXX. I filed a loan modification application with Caliber on XXXX XXXX. Caliber agent XXXX ( ID No. XXXX ) advised me on XXXX XXXX that I only had two remaining documents to submit in order to complete my home loan modification. I submitted one document the lease agreement for my basement apartment -- on XXXX XXXX. The other document required verification of my wages -- could not be signed by a company officer from my company until XXXX XXXX because they were all on vacation. I have an email date stamp showing I submitted this final document on XXXX XXXX as I both faxed and emailed this document. Caliber Agent XXXX and Supervisor XXXX ( Agent ID XXXX ) just informed me it closed my loan modification application subsequent to XXXX XXXX. Caliber has a sale date of XX/XX/2017 to sell my home. Please help!!
Collected over {$480.00} from credit card account. Questionable way of enrolling clients. Ca n't or refuse to give proof of an agreement. Multiple fees charged each month. Company ca n't account for them
I do n't have any loans with Navient and they keep sending letters and are putting negative information on my credit report. I have never signed anything or agreed to anything with Navient and every time I dispute them on my report or through a credit repair agency they keep saying my debt is accurate. I do n't have anything to do with them though. They have no paperwork or anything with my name or signature on it. Not sure why they wo n't leave me alone and now they are sending letters that I do n't want or need. These people are relentless and not in a good way.
I have submitted all the paperwork to Transunion, by fax and regular mail about this account and it was removed, but it has showed up again without notice. I paid XXXX my final payment, a restrictive endorsed check for {$25.00} which is legally binding & what I was willing to pay. The terms were that by cashing my check, they are accepting my agreement to delete the account from all XXXX credit bureaus. If they did not agree, they could have simply sent my check back as stated in the letter that was enclosed. I am again attaching my cashed check and the letter I already sent to Transunion. This account was since deleted from all XXXX credit bureaus and have been re-inserted without even a notification anyway, which violates the FCRA 's Notice to consumer, that, " If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''