WillisBack/dataset-financial-user-claim huggingface dataset:
in XX/XX/XXXX I was going to court reporting school and in a bad relationship, before graduating I suffered from XXXX  and XXXX XXXX XXXX, XXXX XXXX had a XXXX  stipulation should you become XXXX the loan would be forgiven well in XX/XX/XXXX, my income tax was taken for default, due to XXXX XXXX my daughter and I had to move alot, and I'm still fighting this and I need my my tax refund
There are XXXX variations of the spelling of my name which is XXXX ( correct spelling ) there are also XXXX addresses listed in the state of Michigan in XXXX different towns, XXXX in XXXX and XXXX in XXXX that I have never lived in. I am not sure if this is a form of fraud or identity theft, but I would like to do something to get this corrected.
A debt collector contacted me via fake process server to give me a heads up for a debt from 2011 which I do not owe. They claimed a Wells Fargo bank manager signed an affidavit that I took out a pay loan in the amount of {$1000.00}.
american express called my ex husband today and told them of a balance i owed. according to the fair debt collection practice act, you can not disclose this info to ANYONE!
I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX  Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX General Clothing Stores XX/XX/XXXX Yes XXXX XXXX National Credit Card Cos. 
XX/XX/XXXX Yes XXXX XXXX XXXX XX/XX/XXXX Yes XXXX XXXX XXXX XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes
On or about  XX/XX/XXXX , my brother paid my car payment out of his   XXXX   XXXX   XXXX   Account in the amount of {$230.00}. The payment cleared his account on XX/XX/XXXX  payable to  XXXX . Shortly after that I checked my   XXXX   XXXX   Account to discover that on  XX/XX/XXXX , Bridgecrest debited my account in the amount of {$220.00}. I contacted Bridgecrest and they informed me that they had no record of the   XXXX   XXXX   Payment and that they did not automatically debit my account because I was no longer set up for automatic debit. I called   XXXX   XXXX   and was told that Bridgecrest did do an automatic debt. They informed me that the transaction was a ACH transaction which means that the payment was automatically debited. Bridgecrest still insist that they did not debit my account. I was told to fax the bank statements to them, in which I did, and that someone would look into it and contact me. To date, that has not happened. They have called me every other day about making a payment but no one has contacted me about resolving this issue. In one conversation I have with a rep who called me about my payment, she said that she did see both payments but because I was behind one of the payments were applied to the previous cycle. I informed her that I was not behind on my payment, therefore I should have an extra payment
XXXX IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY XXXX AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX
Disputed the debt multiple times with collection agency asking for validation of debt. Collection agency keeps sending me copies of statements as validation. I am asking for something to show that the debt is actually my debt.
Last week I tried to get my yearly credit report and was not able to get my report from XXXX and experian. I answered all security questions and still no report called the number that was provided no help there
Coinbase.com is requiring me to update some account information on their coinbase.com/ssn screen in order to do anything but miniscule sells in my account. Unfortunately, their system does not recognize my address as a valid address even though it is a valid address of a major apartment complex in a major city in the XXXX. 

I have tried to contact them numerous times since XXXX XXXX with no success. I 've tried via e-mail and via twitter ( both public and direct message to their account ). 

They do not respond, ever. I have seen many others have similar complaints. I fear this is part of a fraud or scam intended to make me give up on selling from my account until they have some excuse to confiscate my funds and use them for themselves.
My complaint is actually dealing with my credit score. I have been rebuilding my credit score for almost 9 months now with the assistance of a credit card I was able to get through my bank.My credit has improved by almost 80+pts since XX/XX/2017. That is the only account I have opened in the last 2yrs or so.However, this latest credit change dropped my score 61pts but I am not sure why it happened.All recent credit changes were "good" according to credit karma but nearly all the points I have earned have been taken from me just like that.I really do believe there has been some type of error but I am not sure of what. And my derogatory marks have decreased by 1. Any help into this matter would be greatly appreciated.
Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for
In XX/XX/2015 Syndicated Office Systems Reported several collections to the various to the XXXX credit bureaus under my name and social security number. I disputed the debt and it was removed only to appear again under the name Central Financial Control which is the DBA FOR Syndicated office systems. After years of continuous fraudulent validation XXXX has removed all of these accounts but thus far XXXX and XXXX have validate these accounts. Over the past several years I have been turned down for loans, credit cards and possibly refused employment due to these fraudulent entries. Please help.
OnXX/XX/XXXX, I call American Education Services to talk about lowering my bill or getting a better interest rate. I spoke with someone on the phone stating that because my Loans were current that I had no options, and that I needed to let them go delinquent to get any type of assistance. The following month I called, again I was told, the longer you let it go, the better options you have. I kept letting it go, to see if I could get any help and each time I have been rejected. I even wrote an email to the lender through the company and hear nothing back. I now have a total of {$4400.00} PAST DUE, and spent an hour again on the phone with the company and she again told me there were no options and the past due balance will remain. She advised that I speak with a student loan consolidation company. In total I borrowed {$48000.00} dollars for college. Since 2005 I have been paying my loans on time and have only paid {$15000.00} in the principle balance with {$22000.00} going towards interest! This is on a {$48000.00} LOAN! I have been left with no options but to let this go delinquent because this company refuses to work with me. I really NEED help, I need to get this interest lowered, and get my loans in current status with better assistance. PLEASE help, the only reason I stopped paying was due to XXXX XXXX and having to pay medical bills so that I could keep seeing the doctor. This is urgent.
I recently have XXXX debt collections in my credit report but all of them are not mine. They are from XXXX and XXXX and I have been living in XXXX since the day I came to the States. 
XXXX of the account is back from XXXX and I only came to the XXXX on XXXX. 
XXXX of them are back from XX/XX/XXXX and I only have my social security number on XX/XX/XXXX 
So there is no way these accounts are mine. 
I also contacted the collection company and they were not be able to locate my files. And they said they do not have my social security number on file. Only someone with same name, same date of birth. 
I also filed a dispute with Equifax. But after the investigation ( they took about 5 days to investigate ), they claimed that these accounts belongs to me. 
These accounts are only on Equifax report, they are not on XXXX or XXXX.
As of XX/XX/XXXX, my credit limit with Walmart Master Card was  {$5300.00}. I have had Walmart Credit cards since at least XX/XX/XXXX. First it was MC with GE then Walmart changed to Discover, then Walmart changed to XXXX XXXX Master Card. On my statement ending on XX/XX/XXXX, suddenly without notice they have unfairly reduced my credit to {$670.00}. I moved this month and can not use my Walmart MC.  My credit increase again today was denied and tell me to check my credit bureaus. I have 100 % making payments on time history. I had one record in one of the credit bureau that was not mine and disputed it. But this happened in XX/XX/XXXX. My credit limit was reduced in XX/XX/XXXX ; when I moved! Obviously, Walmart is discriminating on me. Since ; I have a long history with them of 3 credit cards and making payments on time! 
I have at least 18 other credit lines all in excellent standing and at least 3 other XXXX XXXX accounts beginning from XXXX credit limits up to {$10000.00} credit limit! Therefore ; there is absolutely no reason for Walmart to having reduced my credit limit from {$5300.00} to {$670.00}! Please help me! I'm an inactive XXXX XXXX XXXX, have a valid XXXX XXXX license and have studied XXXX XXXX XXXX for years and I'm trying to start my XXXX business. In addition ; I moved to XXXX and Walmart is the only department store here. Everything else is 31 miles away in XXXX. I came here to rent affordably and to start a 100 % organic garden for myself and my son. Thank you for your help!
on XX/XX/XXXX bank of america placed a block/freeze on my checking account and did not notify me of this act. on XX/XX/XXXX i wrote a bank of america check to be deposited at my local bank. the check amt was {$1200.00} and was covered by the sum in my b of a account. my local bank deposited the check. on XX/XX/XXXX my local bank XXXX fined me {$12.00} for the bank of america check that bounced due to the freeze which i was unaware of. as i understand it bank of america is legally required by law to notify customers of any changes in their accounts. bank of america has my address, email, and telephone number and could easily have called me on XX/XX/XXXX but never notified me at all
On XXXX XXXX my wallet was stolen with my USAA and XXXX XXXX debit cards. In that wallet was my online credentials along with my pin. On XXXX XXXX I reported my wallet stolen because It was counterfeit checks deposited into both my separate bank accounts and money withdrew. XXXX XXXX investigated the situation on there end and found that I was not liable and my funds were returned. On the USAA side my luck has not been the same. I have been struggling for anybody on USAA to contact me on my investiagtion. Nobody can ever give me an answer. I have been on hold as long as two hours. Any contact that has been made has been because I made it. When the funds were withdrew I was left with a balance of ( XXXX ) that they are trying to make me pay. I refuse to pay balance, ESPECIALLY that I have not created, nor been told why I am being held responsible. Mind you this situation has been on going since XXXX XXXX.
I and my employer, the XXXX XXXX XXXX, have provided XXXX XXXX information on my employment with the tribe several times to qualify for the public service forgiveness option. They have continually rejected my application on false premises, saying I or the employer did not include information I am positive was sent to them. I have worked as a paralegal or title analyst for decades and understand how to fill out forms accurately. These pretextual denials of my renewal status on this program are infuriating.

My account number with XXXX XXXX is XXXX XXXX XXXX and I am trying to renew after one year in the program.
There was an account opened under my name through a company called XXXX I asked for the opportunity to dispute this account some time ago and they said they would take it under advisement and within sixty days the account was sold to a debt collector. I sent the new owner of this account which is now Security Credit Services a letter asking them to verify the debt on XX/XX/2016 and they have yet to respond.
They have called several times and when I answer they hang up, other times they say they need my full name and birth date and when I ask who they are they hang up. I called them to make them stop and give them proof I don't owe them anything and they refuse to take the information and start getting rude demanding additional personal information.
I was alerted to a fraudulent charge made with my Citibank ATM card on Sunday,XX/XX/2018. The charges had been made on XX/XX/2018. I spoke to someone in the Citibank Fraud Unit. My card was cancelled, and a new one was issued. I received the new card on Tuesday. The representative from Citibank gave me a case number. We discussed all charges made over the weekend and I informed her of the charges I had not made. Today is Wednesday and the bank has still not credited me with the disputed amounts. I have had other payments returned by the bank for insufficient funds, and have been charged, by the bank, with fees for returned checks. I have called at least 6 times and I get the same patronizing response.. that they can not provisionally credit me while the " pending charges '' from the merchant have not been finalized in some way. In the meantime, my money, {$200.00} and {$400.00}, to XXXX XXXX XXXX in Tennessee ( I live in New York ) and XXXX to XXXX has been deducted from my checking account and unavailable to me, until Citibank deems it appropriate to credit me. I believe that this is a policy that puts the ( possibly complicit ) merchant in greater control of my money than myself. While the merchants determine what they will do, my money is gone. How is it that a bank as large as Citibank can ignore the trust that, I, as a client for 24 years, have put in their bank, to protect whatever money I deposit with them. I bear no responsibility in this situation, my card was not lost or stolen, it was " hacked '' somehow. The bank noticed the fraudulent behavior ( much to their credit ) yet still refuse to reimburse me immediately for these charges. I am not a wealthy person and I can not afford to be minus {$800.00} for all this time. This has created a hardship situation for me as I have many bills to pay. I am filing this complaint because I truly believe this is an extremely unfair practice and in violation of my rights as a consumer and long term client of Citibank.
I contacted Discover credit card regarding my monthly payments. I attempted several time to speak to someone who can assist me in lowering my payments.I first spoke to XXXX who stated that Discover Card can only lower the interest rate to 12 % for a year while my payments would still be {$110.00} month. I explained to her that I was going through hardship and that {$110.00} would not be feasible at this time. She stated, when I opened the account I agreed to make my payments. I stated, that is correct however I am not making the same income as I did when I first opened the account. XXXX stated, that 's the only assistance that Discover can do for me. Later, that evening I contacted Discover card again having to wait 25 minutes before a customer service manager pick up the phone. I spoke to XXXX and explained my situation to her. XXXX told me that my monthly payments would be {$130.00} month with a lower interest rate at 12 % with my card being suspended. I asked to speak to her supervisor but after waiting 10-15 more minutes the phone hung up on me. 
I have been a card holder with Discover since 2006. I am very disappointed in the treatment I have received. I really need some sort of assistance.
A time share scam took place and I was taken for a lot of money, I spoke with CITI and if you look up the charges and all the articles related to the charges which is easy to do using XXXX one can see these are fraud. I have been dealing with this situation for many years, my wife recently passed away and now I need to make financial moves and due to this I am unable to. Please help
1 ) I was contacted by a company which I have never given any permission to my personal medical or personal information with regards to a Debt. I strongly feel that my HIPAA privacy and sercurity has been violated with regards to this company by the name of FROST-ARNETT COMPANY ; their address being XXXX XXXX XXXX XXXX, TN XXXX. Their phone number listed XXXX & XXXX. 

2 ) They contacted me trying to collect on a debt, asked me for my social security and full name saying that they have all my information of an existing medical debt that they need to collect asap. They claimed to have an existing debt to collect on behalf of XXXX XXXX XXXX whom OBVIOUSLY SOLD my medical infromation and strongly violated my HIPAA privacy and security laws. 

3 ) I was contacted by a company which I have never given any permission to my personal medical or personal information with regards to a Debt. I strongly feel that my HIPAA privacy and sercurity has been violated with regards to this company by the name of FROST-ARNETT COMPANY. They gathered information forcefully my name, the sum, my social security I think and my drivers license I was not aware that this was a complete violation of my HIPAA privacy and security law that is supposed to proctect me from these agressive and invation of privacy tactics. 

4 ) The company is about FROST-ARNETT COMPANY ; their address being XXXX XXXX XXXX XXXX, TN XXXX. Their phone number listed XXXX & XXXX. They have distroyed my credit like they said, even though they NEVER had my permission to have access to ANY of my personal medical and private information. I am scared for the sake of my security and really medical privacy, that is can be sold and thrown arrownd like nothing, like I don't matter or exist. Very very shocking! 

5 ) The people involved are above. The company that contacted me with a debt that never existed with them, they never had permission to my private and suppossed to be secure medical information based on the HIPAA laws. 

6 ) I was contacted by this company ( FROST-ARNETT COMPANY whom had not right to do so, on XX/XX/2018 in writting ( a bill from them ) as well as a day or two later via phone where they forcefully asked me for my social security and so forth saying that they need to collect a debt asap and that I must pay this debt before a year from the date. They claimed to have a balance of $ XXXX that I owe them. 

7 ) This company FROST-ARNETT COMPANY has several addresses listed on this fraudulent bill they sent for the balance. 
**FROST-ARNETT COMPANY **XXXX XXXX XXXXXXXX XXXX TN XXXX **Phone Number XXXX / XXXX **FROST-ARNETT COMPANY **XXXX XXXX XXXXXXXX XXXX, TN XXXX. 
**Phone Number XXXX & XXXX XXXX **XXXX XXXX   XXXX XXXX PA XXXX ( Address service requested?? ) Please help, this is worng, this is a breech of the HIPAA privacy laws to a large extent, my security and privacy has been completely violated. Please advise. 

Thank you kindly,
Ive had 2 loan modifications in XXXX and one in XXXX. The account now shows current but the history still shows 30,60,90+ days past due. Part of the modification process is to bring the account current and Im doing so the credit history for that time was supposed to be updated to show current. Under the laws of the FCRA this accounts history isnt being reported properly and it is adversely affecting my credit and score. Please remediate.
West Asset Management has been incorrectly reporting a paid medical bill as a collection to XXXX & XXXX. The reported date assigned was XXXX, with the date of first delinquency of XXXX. Original amount owed was claimed to be {$600.00}. This bill was fully paid by my insurance company, leaving only a {$30.00} co-pay. I paid that {$30.00} in full after contacting XXXX XXXX about this collection, after seeing it on my credit report, in XX/XX/XXXX. Any amount outside of that, is reduced or paid under a legally binding agreement with XXXX of Nebraska. I was never once contacted about this account by either XXXX XXXX or XXXX. 

- Further, XXXX has failed to provide any proof or detail of this debt upon request. 
- I was never contacted about this collection prior to seeing it on my credit report. 
- Multiple disputes with the credit reporting agencies have yielded continually erroneous and damaging information from West Asset Management. 

I have attached documentation as follows : - Credit card statement from XX/XX/XXXX, detailing the {$30.00} paid to XXXX XXXX for this " collection. '' - XXXX record of collection as reported by XXXX. 
- XXXX record of collection as reported by XXXX. 
- XXXX record of collection as reported by XXXX.
I've always paid my mortgage payment and have been with Homepoint Financial Inc since I bought my house in XX/XX/2017. In XX/XX/2018 Homepoint stated that they didn't have insurance verification and were charging a hazord fee. I've had insurance and the insurance company, XXXX XXXX XXXX, sold our policy to XXXX unbeknowest to us. When Homepoint tried to reach out to XXXX XXXX XXXX they didn't provide documentation. Since finding this out, we've contacted XXXX and had them fax our policy and verification that we've had insurance. I've talked to Homepoint several times trying to fix the problem and verifying that they received verification from the insurance company. When I speak to Homepoint they state that the problem is fixed. I've tried since XXXX to pay over the phone to them for the monthly payment but they will not take my payment and stated they have raised my monthly payment from {$460.00} to over {$700.00} a month. I've sent checks for my monthly payment but they won't cash them. They won't accept my payment for XX/XX/XXXX and XX/XX/XXXX. I need help with this company. I've never been late on any payment and this is causing me great stress.

Thank you, XXXX XXXX XXXX
I closed out a certificate of deposit at IberiaBank. They mailed me a check for {$30000.00} and did not send it by certified mail. They sent it by first class mail. The check never arrived. It has been 30 days. They do not want to issue another check for 90 days. I do not believe they will ever issue a new check. Why am I supposed to believe someone who uses the excuse, " The check is in the mail! "?
I spoke with a rep at Equifax after about my 24th attempt about having XXXX of the inquires off my report that were not mine. I had been sent back and forth between the creditors reporting and the agency several times. They were just running me in circles. The rep apologized for what I had been through and she said she was removing all but the XXXX XXXX which is actually my only one. I was also told I would get something in writing, neither action was taken. This was over 3 weeks ago
The borrower entered a Home Affordable Modification Agreement with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage loan servicer changed from XXXX XXXX XXXX to Caliber Home Loans on XX/XX/XXXX. The borrower was not aware of the transfer and continued to make timely payments directly to the prior servicer until XX/XX/XXXX. The payments were subsequently credited to the borrower 's account but the monthly mortgage statement includes a {$680.00} fee. It also states that the borrower paid another {$810.00} year to date in other fees. The borrower and I called Caliber on XX/XX/XXXX to determine why the fees are being charged. The Caliber representative stated that she did not know and she would send the borrower a detailed report explaining the fees. We have not yet received the report and the fees are still appearing on the borrower 's monthly mortgage statement and there has been no credit for fees already paid.