WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a letter certified mail to NCAC to valid debt in about of {$740.00}, NCAC responded with the original debtor " XXXX XXXX XXXX '' ledger with an excessive carpet fee for {$320.00}. I responded back to NCAC certified mail with pictures taken from Move Out of the entire apartment with no carpet stains. I also sent a copy of a letter from my Lawyer that was forwarded to original clienXXXX XXXX XXXX stating that the debt was incorrect. As stated in the legal document, the silence was taken as a confirmation that the amount was incorrect. Yesterday, I spoke with a representative to follow up on the status of my response. The representative stated that " he received the pictures of the apartment. Apartment companies can add fees if you do n't have a move out inspection and next time have an inspection to avoid false fees. '' He then went on to explain how he would delete the debt from my file for a settlement of {$420.00} however he could not put it in writing. I have to pay first then he will delete from my file.
This company was told that I was a XXXX veteran and needed to be transported to the VA.They told me the VA would not see XXXX patients and took me to a civilian hospital.The civilian hospital did not know how to properly treat me and I had to be hospitalized by the VA within days.The staff at the VA were angry that I was not brought to my hospital and my care team as I am highly at risk.This company was given the information for the office that handles paying for my care years ago.This credit company just started trying to charge me for this by phone in the last 2 months.
I have an address that is showing that is not my address ... nor have I ever lived at this address .... of XXXX XXXX XXXX XXXX XXXX nc XXXX. although this is what is showing on my credit report ... .. my real address that I have been at since XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ... .. please update this asap. 

XXXX XXXX dob. XX/XX/XXXX. XXXX social having difficulty getting this information to you to be updated.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx showed up on my credit report XX/XX/2018. Trying to collect on a old account with XXXX XXXX XXXX   who as of 2 years ago stop taking money out of my account monthly. This was solely based on their decision to do so. And removed it from my account. This company has now placed this on my credit report as a new debt and has dropped my score 41 pts. They have called and i asked them to send me documentation. They told me that they are not the account holder and that they dont have to provide me any of that information. they threatened to garnish my wages. They also stated that time is of the essence and that they can do what they want. They are horrible people and very nasty to talk to over the phone.
My mortgage was previously with XXXX XXXX XXXX  wherein I complained about the misapplication of my mortgage payments. See complaint # XXXX-XXXX and XXXX-XXXX. My loan was transferred to Fay servicing after XXXX XXXX stated they had sold my loan to XXXX XXXX and they washed their hands of the entire situation without answering any questions. Fay servicing was contacted about the loan, however, initially could not locate it, then finally after filing a lawsuit against Fay and XXXX XXXX regarding the upcoming foreclosure a requested reinstatement from Fay Servicing and received one and also XXXX XXXX XXXX which called for them to paid also. The borrower is being asked between the both of them for {$76000.00}, on a reinstatement figure which is no more than a little over 38K. The borrower account has been mishandled in every way, XXXX XXXX wants it both ways, and Fay servicing does not know who's on first. 
Both reinstatement figures differ, moreover, the Trustee is at question here XXXX XXXX who has requested payment for XXXX XXXX the entire time, how then are they taking the place for Fay Servicing, XXXX XXXX and now Fay Servicing is introducing, XXXX XXXX, XXXX XXXX as Legal Title Trustee for the XXXX XXXX XXXX XXXX XXXX.
In XX/XX/XXXX, I reach out to Fedloanhelp.org to help me to reduce my student loans. They gave me a quote which can reduced the loan payment. When I signed the contract and gave them the bank statement for automatic withdraw in the amount of {$72.00}, I was under assumption that they are not for profit. At the time, I understand I have to make a donation to help the organization with the operation cost. Fedloanhelp.org has been withdrew money from bank account every month since XXXX XXXX, XXXX. Recently, I received the approval for my loan consolidation from Fed Loan XXXX stated that my monthly payment is {$0.00} until XXXX XXXX, XXXX. I look at my bank statement to check for the amount and the address. The electronic check showed the check made payable to Student Loan Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, which was not match with the address that Fed Loan XXXX sent me. I called Fed Loan XXXX and asked them about the payment of {$72.00}. They said the amount never apply to my account, and the amount that Fedloanhelp has been charging me was for their fees because I used the third party. The customer service associate said that all they did was fax the document over. I called Fedloanhelp.org at XXXX to ask them why the amount did not applied to my account. XXXX XXXX from Fedloanhelp said that the amount goes into a trust, which I do n't understand. She said that she is busy with other files, but she will call me back. While I was waiting, I went the PDF document that I had XX/XX/XXXX. The PDF document did not stated the payment goes into an escrow or trust. It said that it will apply to the account. However, in the event that client, which is me, is not happy with the service. I can cancelled and donate the money in Year 1. So, I called Fedloanhelp.org back, and I spoke with XXXX XXXX. I told him that Fed Loan XXXX did n't have any record the payments had made. He said that Fed Loan XXXX customer service did n't know how this thing work. At the same time, I was thinking that if Fed Loan XXXX told me that I do n't have to make any payment until XX/XX/XXXX, and I have to make {$72.00} monthly to Fedloanhelp. Why did the payment has to go into a trust? Why did they send directly to Fed Loan XXXX? What will happened one year from now? I may be out {$850.00} XXXX $ XXXX ) if they wo n't apply the amount that they have been withdrew. So I cancelled the service. Obviously, they are not refunding the amount that I had paid for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the total of {$210.00} because this will be in the donation to help them with their operation cost. 
I do n't know if Fedloanhelp.org has ever been violated any laws ; However, I felt like it should n't be complicated and it should be straight forward. 
Even though, I agreed to make the donation. However, I feel like I was strict to pay " fees '' as donation even though they stated as donation. In addition, I feel like fedloanhelp.org has been using the dot org and not for profit as a marketing strategy. On their website, they listed CFPB, XXXX, and couple other websites as compliance.
Absolute Recovery Service has been resubmitting false information to the credit bureaus regarding an account I had with them. Every time the bureau delete this company off my report for inaccurate information or failure to respond in a reasonable time, Absolute Recovery Service would then unlawfully report similar information. I have proof and documents proving that this company has been tampering with information on more than once occasion, going as far as to changing year to date information. Under the Fair Reporting Credit Act that is not legal for a company to do so knowingly and willingly to a consumer. This company has done this on XXXX occasions. I have spoke with someone at Absolute Recovery Service and they refuse to correct the information. This collection company has added over {$500.00} more in unknown charges to the original amount said to be owed by the creditor.
Equifax allowed my information and the information of millions of Americans to be lost in a security breach. In addition to abusing the trust of the American people, they have sold stock before the information was released and are offering fraud protection in exchange for the right to sue them.
Dear Sir, There are several Citi Bank Credits information is being updated in my credit, which have been closed months ago. When Credit cards have been closed with XXXX  Balance, why did citi bank kept on reporting every month about closed account with XXXX balance. It has been communicated to Citi Bank that, there should not be any more activities in my account as credit card is closed and also there is no CITI Bank Credit card open on my name, social, address and any of my identification details. In XXXX XXXX Credit report, I have observed that Citi Bank Kept on updating XXXX XXXX report about closed accounts, which does not any account activity and also no statements generated. Could you kindly direct XXXX XXXX to check my closed Individual Credit Cards and why they have been reporting every months, which have been closed and no account activity at all. Whats the point in closing individual Citi bank credit cards when Citi Bank abusing and manipulating closed credit cards and kept on reporting every month.As per the Federal Law and Closed Credit Card terms and conditions, there should not be any activity on closed card once its paid and closed with XXXX balance. Citi Bank Holds the complete legal accountability and responsibility at Concerned Honorable Courts and XXXX XXXX Credit Bureau for abusing closed credit cards with XXXX balance.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/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 DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. 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 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I went on annualcreditreport.com. I wanted my credit score from TransUnion so I agreed to pay the fee. However, I feel it was not made clear to me that I would be charged a month fee from that point on until I proactively cancelled. I think this is underhanded and they are taking advantage of countless citizens that are not clearly aware of the contract they are agreeing to when requesting a score which in my opinion should also be free once per year. I feel I was tricked and they refuse to give me my money back.
On XXXX XXXX, 2016 my First Tennessee XXXX XXXX debit card ( XXXX ) was closed without notice or reason. I received an email from the company stating they will hold my money for 30 days, and then issue a refund.
I obtained my 3 credit reports and noticed several collection accounts. I contacted the creditors and the 3 credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 for validation of debts. The collectors XXXX and XXXX XXXX XXXX never provided a signed contract or other proof of validation as requested. The CRA 's continue to report as verified, although they clearly did not physically verify these errors. I want these erroneous items removed from my credit according to the rules of the Fair Credit Reporting Act and the Fair Debt Collections Reporting Act. I have spent a lot of money on certified letters and stamps to have this corrected, to no avail. I have also had to deal with XXXX placing an unauthorized fraud alert on my credit report and sending the same request to XXXX and Experian. After my last letter, my XXXX scored dropped 38 points with no apparent reason. I suspect they are being punitive because I keep sending requests for verification as allowed by law. The CRA 's should not be allowed to arbitrarily report errors on people 's reports. I also contacted XXXX XXXX and XXXX XXXX XXXX directly by mail twice, with no validation from either. 
Please help me. Thank you.
I have a personal checking account at Bank of America and they charged me a ( 1 ) -time fee of $ XXXX because the CA Franchise Tax Board levied a garnishment of $ XXXX against this account. I promptly called the CA Franchise Tax Board and paid the entire balance owed to them of $ XXXX and NO garnishment occurred. I then called Bank of America back and asked them to reverse this fee and they refused.
XXXX XXXX XXXX XXXX contacted me about a credit card from Capitol One which they are attempting to collect upon. They did not identify themselves as being from XXXX XXXX XXXX XXXX. I discovered this after reverse tracing the phone number they gave me to contact them.Instead of discussing the delinquent credit card amount in question, they attempted to coerce me to purchase a gift card from them, before allowing me to inquire or negotiate over the amount I owe to Capital One. They sent me a letter dated XX/XX/2017 with the last four digits of the credit card # XXXX along with a case number XXXX. The letter instructed me to call an XXXX number ( XXXX XXXX ). I called the number which brought me to a menu with only one option, which was to hit the number 1. I selected the number and a call center representative came on the call and attempted to sell me a {$100.00} dollar gift card for a fee of {$2.00} before he would discuss anything about the delinquent credit card. This tactic was deceptive and unethical in my opinion. I was trying to make a good faith effort to settle an old debt and was being being solicited to buy something else in order to simply gain access to someone who could or would discuss the credit card with me.
I contacted XXXX, XXXX  and Experian and asked them all to correct the inaccuracies on my credit report.
On XX/XX/2018 via online chat at XXXX I inquired about closing my account and paying my balance. After XXXX told me the reasons why I shouldn't I agreed and I asked the person I was chatting with online to NOT close my account. He continued to close my account. He told me he could not rectify the issue. and gave me a 1-800 number to call. That was the wrong number ( the number for XXXX credit cards, not store credit cards like mine. ) I was then transferred to another phone number that lead to an automated machine that could not help my situation. XXXX has not been any help. I took pictures of the chat. Let me know which email I can send it to. Thank you.
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called Transunion and gave them all of the companies above with inquiry dates which are listed above. I asked Transunion to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. Transunion was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. XXXX
I was in a panic over not being able to pay my bills, because my son, who was living with me lost his job a few months earlier and I alone was not able to pay my bills. I was short each month by the {$1000.00} my son had been paying me. I had a low credit score and already had 2 personal loans and some credit card debt. I was desperate and took out a XXXX XXXX XXXX XXXX XXXX loan for {$1000.00} in XX/XX/2018. They deducted the 1st payment on XXXX for XXXX, ( {$380.00} of that was INTEREST ) after that I would have {$480.00} taken out for the next seven months. I was able to negotiate with them to deffer my XXXX payment to the end of the loan, which helped some. 
When I finally came to my senses, I realized that over the term of the loan which was 8 months I would be paying them {$3700.00} for a loan for {$1000.00}. Can they legally charge that much interest?
XXXX XXXX, 2014 HAUGE ASSOCIATES I was going to school for one year at Iowa XXXX before I decided to change direction career wise. I had thought that through XXXX Grants and my XXXX that my student loans were put together for me to track, this balance showing on my credit now for 3 years, of {$1000.00}, I have no knowledge of whatsoever.
This company, ERC, began harassing me in XX/XX/2016. They call me consistently regarding a debt that I do not owe and have no idea about and they continuously try to get personal information from me such as my address, social security number etc. from me stating that they are going to collect their debt no matter what. They call me all the time from different numbers ( which I block ) and different representatives.
i this XXXX XXXX XXXXSynchrony Bank, and i have been add a higth interes every mont plus a CARD SECURITY XXXX wich i recuest too cancel for aboutj 7 monts a ready and never was cancel..because this has misleading information and you never get this aprove. for the XX/XX/2019 i have a INTEREST CHARGE ON PURCHASES XXXX, this is every mont plus the XXXX wich make the account higth on top even with not balance left..so the account is XXXX because all this fees a account security card services is hgth avero mont to is liek making this chrages on top of a empty account create by this same charges ... can beleve this. i have been charge more tham XXXX dollars on fee, interes, on topo every mont..create by this same fees and inter over balance use..this is not rigth. 

Look so you guys have a idea : {$2100.00} XXXX, Current Balance. 

$ XXXX, Available to Spend {$1700.00} Limit.

{$6800.00} Minimum Payment Due. 

fees : Statement Month XX/XX/2019 Statement XX/XX/2019 CARD SECURITY XXXX XXXX XXXX XXXX XXXX XX/XX/2019 INTEREST CHARGE ON PURCHASES XXXX XX/XX/2019 AUTOMATIC PAYMENT - THANK YOU XXXX
Experian will not allow for " identity documents '' to be uploaded to verify identity to obtain a FREE ANNUAL CREDIT REPORT via " XXXX ''. Getting through to a human being at " Experian '' is IMPOSSIBLE!
I sent three certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide a copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
On XX/XX/XXXX I have made a purchase of {$300.00} of XXXX gift cards and {$45.00} of XXXX gift cards from XXXX XXXX XXXX ( XXXX ). 
The XXXX gift cards ( electronic ) do not work as I attempted to use them on variety of items on both XX/XX/XXXX and XX/XX/XXXX. I have brought this issue to XXXX including a case number and the issue was ignored. 
On XX/XX/XXXX I have contacted XXXX XXXX XXXX representative who assured me that the XXXX will result the issue as their position is that it is not XXXX XXXX responsibility but XXXX to honor them. After spending over 30 min on hold and despite informing the CSR that XXXX XXXX refuses to address the issue stating that the cards are valid, I was again transferred to XXXX XXXX on premise that they are responsible for the issues regarding and not XXXX. XXXX again refused to address the issue stating that their record show no Gift cards were actually sold on the transaction in regards of the original XXXX XXXX purchase. 
It is apparent that the XXXX XXXX feels that it has no responsibility to address the issue while XXXX states that it is seller 's responsibility, not XXXX 's to address them. 
I think both XXXX and XXXX XXXX is not willing to address the issue here.
I have one business account and one personal account. The bank said that the only accounts that I have, they are hiding a account in my name.I go to the bank and they are laughing at me when I ask for a print out with everything in my name they do not want to. This is been going on for over year.