WillisBack/dataset-financial-user-claim huggingface dataset:
I bought furniture items from XXXX furniture store in XXXX XXXX totaling an amount of {$5100.00}. The furniture store representative told me that there was a two-year promotion where I could set up monthly installments to pay off the whole amount. I did that. However, XXXX did not apply any of the monthly installments to that promotional amount which shows on my statement as {$3500.00}. Also, they fined me any additional {$2000.00} in XXXX XXXX for not paying the furniture amount in full. All this time, I was under the impression that the monthly amount was going towards the furniture. I have paid a total of {$8000.00} from XXXX XXXX - XXXX XXXX to XXXX XXXX. Their last statement says I owe them {$5100.00} after paying this amount. 

Please note the following : 1. Attached are my bank statements from XXXX XXXX which details the monthly payments that were made to XXXX every month. Please note that while going through my bank account, I found that although a monthly automatic payment was set, the monthly amount every month kept changing from my account. The automatic payment does not show here as one constant number which it should. I am not sure why the money paid to XXXX kept changing every month. I do not recall changing that amount every month. 
2. Receipt of the purchase of the Sofa and Mattress totaling {$5100.00} on XXXX/XXXX/XXXX 3. My bank statement from XXXX/XXXX/XXXX says it as an automatic payment but again that amount differs every month. I would not change the automatic monthly payment every month by a few dollars and cents. 
4. The automatic payment seems to have started in XXXX after buying the furniture when I had set the automatic payments at the time of purchase of the furniture in XXXX. 
5.During the time period from XXXX - XXXX XXXX did not call me even once to ask for payment or to let me know that the promo on the furniture was ending and that they were going to fine me {$2000.00} for not paying it in full. All this while I was under the impression that the furniture was being paid for through the monthly installments. 
6.If you look at the XXXX statements that I have attached ( they do not have prior to XXXX XXXX on the online account ), none of my monthly payments were going towards the furniture amount of {$3400.00} which they have put as a 24-month promo. 
7. The XXXX XXXX XXXX statement shows that the payment of {$98.00} was applied to the furniture amount after the fine of {$2000.00} was applied to it. I have no idea why. 
8. I called XXXX in XXXX XXXX after I realized that something was going wrong and the supervisor told me that if I paid them {$3000.00}, then they would bring my account balance to zero as they had done something wrong. They lied and my statement balance in XXXX XXXX was {$4400.00} 9.I have paid XXXX a total of {$7700.00} from XXXX XXXX - XXXX XXXX. 
10. XXXX latest statement shows that I owe them {$5000.00}. 

The interest on that balance keeps increasing every month although this charge is in dispute. Kindly help in this matter. Do let me know in case any other information is needed.
I have been repeatedly contacted by Transworld Systems regarding a debt owed for XXXX XXXX   XXXX. When I asked them to send me something in the mail they said they did previously. When I said I did not receive it they gave a very old address that my doctor 's office would not have had. When I asked them to stop contacting me and told them I would only communicate through written correspondence, they began contacting my mother and wife. 

When I contacted XXXX XXXX XXXX they said that all medical payments were made previously and there is a {$0.00} balance on my account. They also said they did not send anything to a collection agency and they are not associated with them. 

Transworld is attempting to collect a debt that is not mine and threatening to report me to credit agencies. I have sent Transworld a letter today disputing this debt and asking them to verify it.
InXX/XX/XXXX, I began to clean up credit report. XXXX was disputed as paid though XXXX ( XXXX XXXX XXXX, XXXX XXXX NJ, XXXX/ ( XXXX ) XXXX ) and removed inXX/XX/XXXX. ( see attachment ) About two weeks later, XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX -- ( XXXX ) XXXX ) added an account for XXXX in the amount of {$900.00} to my credit report. On XX/XX/XXXX, I called XXXX and told them of this pay agreement and asked for it to be removed and sent a copy though U.S. mail. Also called XXXX headquarters number ( XXXX ) sent to ext. XXXX She said that they showed no agreement with XXXX. first puzzle if they showed no agreement then why was debt minus {$730.00} and disputed overbilled amounts from original billing. I called XXXX and they said paperwork was sent to XXXX on XX/XX/XXXX when agreement was paid in full. returned call to XXXX to let know of this and begins run-around. on XX/XX/XXXX, called XXXX to verify receiving agreement and again received run around. XXXX  told me that day that XXXX repeat of sending over contract confirmation would go though recovery and to call ( XXXX ) XXXX  thyis is a computer and I am not allow into it because I do n't know old phone number from XX/XX/XXXX. HELP, PLEASE
Central Kentucky Management Services 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.
Received several call in the past month from XXXX XXXX of Greenback Recovery XXXX stating I owe {$1500.00} and how I want to pay for it I told him I have never received anything from any Credit Card company asked him to mail it to me. Its been 3 week and I have n't received anything but tons of messages telling me they are coming to my home and that I need to show passport and drivers license or they will go to my job.
I was just charged XXXX more NSF fees from my bank. I specially got a cash advance to cover any debits When I checked my account on XX/XX/XXXX all my charges were still showing pending. I am not sure what time in their system items posts. I am not sure if they are posting those items even before the merchant requests payment. They are paying the smaller items first than the larger one, so instead getting XXXX fee you get several. I was charged {$140.00} in fees which is all the money I have. I can not even put gas in my car to get to work or buy food because the deposit I made missed. I just paid {$580.00} dollars in fees two weeks ago, which I did not dispute. My whole payroll check went to paying fees, I could not pay XXXX bill. If I request to have them waived, they do not care because I have had other fees waived and if it was not a bank error.
Experian has several issues on my credit file which are XXXX XXXX/XXXX XXXX # XXXX I was not past 30 days in XX/XX/XXXX or XX/XX/XXXX and have proof on my bank account when payment was taken. This needs to be removed ASAP Several accounts have late payments listed when payments were deferred due to a natural disaster remove all late payment remarks on the accounts I have requested several times and nothing has changed and the reports back state Experian has done nothing as it states on the accounts item was updated and a date which I disputed recently nothing has been addressed XXXX/XXXX  XXXX Unknown account, how did your company verify this? 
XXXX XXXX # XXXX Unknown account, how did your company verify this? 

There are also several names which do not belong to me XXXX XXXX, XXXX, XXXX
The ATMs at my local Citibank - XXXX XXXX XXXX, XXXX XXXX, NY XXXX never work. Everytime I go to deposit a check, I have to check at least XXXX atms. There were a few times when I had to go to the teller and they were not able to help me out because the systems were down. In addition, the hours of operation the surround branches is impractical, they all close at XXXX and I know many people are not able to make it to the bank at that time! I am afraid that one day when I am not able to deposit money into the account and I do not have enough balance I will be charged the unnecessary over-draft fees.
Coinbase offered a new coin on their exchange. I sold {$48000.00} worth of Ethereum to purchase the new coin. I put in a market order to purchase the coin as soon as it went live on the exchange. I got a buy at {$6000.00} per coin, more than double the normal asking price, however, this is not the problem. I immediately attempted to sell, since the price went up to {$8500.00} per coin, but the exchange went down. I couldnt sell my coins since the exchange was closed seconds after it was made open. After hours of deliberation, they decided to reopen the market for the coin the next day. I immediately knew the repercussions that would arise from this and contacted Coinbase for action. They let me buy at exorbitant prices, then deliberately drove the price down by allowing orders to post for much longer. They even stated that their goal was to increase liquidity, or make the price stable. RIGHT AFTER ALLOWING ME TO BUY AT RIDICULOUS PRICES. I bet on the market going crazy, and I was right. Had they left the market open, it would have stabilized on its own, and I would have gained nearly a 50 % profit. Instead, they themselves gained a huge profit by allowing their coins to be sold at almost 3x asking price, then conveniently shut down the server and stabilized the price. How convenient for them. Market manipulation. Insider trading. Theft.
I am a consumer who has been a victim and I know my rights. on XXXX XXXX,  2017 their were four inquires that was reported to my credit report without my consent. I have tried numerous of time to have them disputed from all three credit bureau so far I had no luck . I also submitted the request from the actually company that I have never heard of. well after 15days went by no one seem to help. I've called numerous time but no change has been made. As a consumer I have rights. the fact that I have a fraud alert on my credit report the company  still manage to run my credit without my consent. the following companies that ran my credit on the XX/XX/XXXXXX/XX/XXXXwas consumer portfolio service, inc,  XXXX, XXXX XXXX XXXX XXXX XXXX and others. It would a huge help to have these credit inquiries remove off my file that way I can have a better start in rebuilding my credit score.
I sent a letter to both equifax and XXXX XXXX XXXX. I have two accounts on my credit report that were included in my chapter XXXX bankruptcy. They are not reporting that way on my equifax report. I've sent court documents that show the two XXXX XXXX XXXX  accounts as part of my chapter XXXX bankruptcy. Both equifax and XXXX XXXX refuse to fix my report
I am trying to get XXXX of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs to me.
We had a US Bank credit card account that had been open since XXXX. It was a card we seldom used and kept it for a back up card and the tenure to improve our credit score. Sometime around XXXX XXXX the annual fee became due. We did not receive a billing notice and was unaware it was due. US Bank maintains we were notified. Around XXXX XXXX I did receive an e-mail with the notification about the past due amount. I called the number to clear it up and was told the account was up to approximately {$120.00} after US Bank added late charges for three months. Thinking this was just a misunderstanding I offered to pay the annual fee plus XXXX late charge. They told me the account had been closed and could not be re-opened. At this point I refused to pay for a closed account and a fee I did n't know about. The representative put me on hold to discuss with a supervisor and returned to report that the fees had been reversed and I no longer owed the amount. In XXXX XXXX we refinanced our mortgage. In the process of that we were informed about an entry for non-payment on our credit record. We had been reported for non-payment by US Bank for an annual fee we knew nothing about until it was too late. Fortunately, this was the only adverse record on our credit report because we have always paid everything in full and on time ( or ahead ). It caused our score to dip about XXXX % so we had a good score rather than excellent. We have sent two letters to US Bank to ask them to reconsider, what we feel, is a completely wrong way of doing business. Their responses have been to rely on the true fact that we did n't pay the account. First, we would have paid it had we known about it. We would have liked to keep the account. We have paid the annual fee every year since XXXX. Second, US Bank 's cardholder agreements say that the account fee is to maintain and service the account for the following year. If the annual fee does n't get paid it should follow that US Bank does n't have to keep the account open to service it. Therefore, an annual fee is in a different class of charges from an actual purchase. Non-payment of an annual fee should not have the severe consequence of an adverse credit report. Third, as a corollary to the last point, if a customer does n't pay the annual fee it may be that they no longer want a seldom used account with a zero balance. We would like them to remove their adverse entry in our credit record.
CapitalOne360 is not sending me money from my Mothers estate. I am the executor and have submitted all the paperwork. They claim XXXX check was sent in XXXX to my old address but it never came. They wanted to charge me {$25.00} for a stop payment. When I asked for proof it was ever mailed, they agreed top send another. I gave them my new address, which they already are sending mailings to, but they claim the new check was mailed on XXXX XXXX give or take a day. Never arrived. 
The other account is an Individual account that required a Letter of Testamentary and an Affadavit of Residence. I sent them. They said one was n't notarized so I sent it again. In XXXX they sent an email saying the check would be sent out. It was n't. 
Every time I call, I get different people who apologize profusely, promise to fix this and nothing gets done. No follow up calls, no emails. The last time they emailed me was to say the check was being drawn upo. That was XXXX. You can no longer log into the accounts.
On XXXX XXXX, 2017, Equifax returned an answer that said debt collection owed by my ex belonged to me. This was a total of XXXX collection accounts that showed up on my credit report and their failure to correct is keeping from obtaining credit.
I have never been married and have never used another last name on any documentation. A background check came in and I noticed there was a new last name added using my son 's last name. This possibly hurt my chances for employment because I had stated I had never used another name before which is truthful as far as I know.
Contacted the credit bureau the beginning o f  XX/XX/2016 . I h ave disputed this account every month until now. They stated that it was varied account was mine but I have submitted in proof that I owe no such company. I also attempted to reach out to the original creditor and they still have sent valid proof of owing account. The information they sent me was a document stating a different company names. On my credit report it is listed as the original creditor being  XXXX . The document they sent with no signature states the original creditor being   XXXX   XXXX   XXXX  . My name is also spelled incorrect on the document.
Company failed to provide me written notice of intend of collection and give me a change to pay. They call my cell phone numerous times every hour through out the day the calls never stop. Its disrupting me while Im at work, and driving having dinner and sleeping. I feel like I pay my cell phone bill just for these people thats how much they call me.
In XX/XX/2018 XXXX XXXX ( XXXX, Texas. XXXX ) has us marked as a late payment. This payment was not late in XX/XX/2018. There was a 3 party call with my bank and XXXX. The late payment in XX/XX/2018 was supposed to be removed from all 3 credit reports for myself and my spouse.
I Have a mortgage note with Bank of America since XXXX XXXX, 2007. My loan has been current thru the duration of this this note wit the exemption of a few late payments. I have been trying to modify my rate as it is at XXXX for a jumbo rate. 
I have been told that because my loan is current they would not modify my loan. Bofa had put me thru the modification process several times for years before I finally had a rep tell me that because I have a jumbo loan and current they would not provide any modifications like the do for people under $ XXXX k and delinquent. I feel that since I qualify for a modification otherwise and people with jumbo rates have been modified this is inequitable and I need someone to review my loan and get back to me as I have been round and round for over 5 years. This is discriminatory.
A letter was sent to my home, alleging to be a collection agency for a debt to XXXX. The letter was addressed to my maiden name, which I have not used since before XXXX existed. An internet search of the telephone number listed in the letter revealed that this is most likely a scam and should not be trusted.
I made a payment on XXXX XXXX of XXXX to chase XXXX XXXX XXXX I was reported late XXXX XXXX I immediately made a payment once I realized I was reported late. I have never been late before this seems like a fraudulent late charge and negative reporting to my credit report.
IN REGARDS TO : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I SENT A CERTIFIED LETTER TO THE COLLECTION AGENCY TO INQUIRE ABOUT THE VALIDITY OF THE DEBT AND VERIFICATION OF THEIR CLAIM WHEN I HAVE BEEN A VICTIM OF IDENTITY THEFT. IT WAS RECEIVED BY AGENT XXXX XXXX ON XX/XX/2018. WITH NO RESPONSE TO MY DEBT VALIDATION AND NOTIFYING THAT THIS ACCOUNT IS A FRAUDLENT ACCOUNT AND I HAVE NEVER TAKEN OUT OR DONE BUSINESS WITH A XXXX XXXX. THEY HAVE NOT PROVIDED ME WITH A ORIGINALCOPY OF THE CONTRACT BEARING MY ORIGINAL SIGNATURE? PROVIDE ME WITH PAYMENT HISTORY FROM THE ORINGINAL CREDITOR? I NEED COPIES OF ALL LETTERS SENT TO ME FROM YOU THE COLLECTION AGENCY AND THE ORIGINAL CREDITOR REGARDING THIS DEBT? WHEN WAS THE LAST DATE A PAYMENT WAS MADE ON THIS DEBT? ALSO PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW THAT I AGREED TO PAY WHAT YOU SAY I OWE? PROVIDE ME A VERIFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE? AS I HAVE STATED BEFORE I HAVE BEEN A VICTIM OF IDENITY THEFT AND THIS ACCOUNT IS NOT MINES. BUT THEY ARE REOPORTING INACCURATE INFORMATION TO ALL THREE BUREAUS.
XX/XX/2017 I tried to check my balance via mobile app. I know my user name and password but on the first attempt got an error message telling me the maximum number of attempts have been made call XXXX. I call 25 minute wait time. I go do other thing call again, wait the twenty minutes and get a recording telling me I " ca n't be verified online, on the phone or in person ''. I drive to a branch and the teller inside says she has heard from many people today about this and the wait time is long. I ask if they have been hacked. No answer to that. I explain I just want to know what my balance is, want to be able to access my account online and she verifies me with my state drivers license, recent deposit and i suppose the fact i have my account number memorized, and she writes down the balance for me. I ask if I go to the atm, pointing to the drive thru behind her, will it eat my card, or when I go to use it will it be declined at merchants today, she says no. So I am all set, except the next day when I try to log in, I get the same error message. I call, long hold times. I wait for a person to pivot up. I have never been so rudely treated by not one but two employees. The problem is yours, TD, verified after I went out of my way Sun to go to a branch and confirmed there that your system was having problems. XXXX in small business in Maine  office, as a manager who was to help after the offensive XXXX, did nothing to help, but piled on more abuse. I can not tell you the answer to a specific security question you are asking, but I can tell you many more things and did. Like the monthly check deposited on the XX/XX/XXXX every month each the amount. Or how frequently my employer deposits. Seriously, you have only one security question of your making not mine that I ca n't answer. I do not recall who I last made an ACH payment from this account because I do many in a month and have more then one bank I do this with! So here it is now Wed and I so have the same error message on a single correct attempt to view my account online.
Equifax was the subject of a cyberattack and failed to protect the sensitive, personal information I trusted them with. 

The breach lasted from mid-XX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
On XX/XX/2018, I called and made a complaint to GreenSky about the late posting of my payment, sent on time ( I have proof ). I received a form letter dated XX/XX/2018. To date the issue has never been resolved, I have called consistently every month, and most recently spoke with a manager named XXXX. Who in turn did not solve the issue. By GreenSky posting my payment late each month they debit a late charge, I call, they remove. Recently I sent a check # XXXX in the amount of {$100.00} mailed on XX/XX/2018. At the end of XX/XX/2018, I called a total of 4 times. Because my credit is important I then mailed a check in the same amount Certified Mail, Return Receipt on XX/XX/2018. Today the RR has not been returned. So I have 2 payments sitting in AXXXX XXXX and not posted to my account. I just received another invoice. They refuse to find out where the checks are and the manager said, " they go to a lockbox and we have a lot of customers. '' Well, most businesses ; payments go to a lockbox and all of my creditors ' cash within 5 days of receiving. I spent {$6.00} just to send Certified Mail, so it is costing me more. The other issue is the billing increasing payment interest contrary to our signed agreement. I really need assistance. I wish to have my payments posted in a timely manner, Customer Service responses other than giving me the run-around. I sent an email to corporate to the attention of XXXX XXXX, CEO no response.
I have informed Trans Union many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.
I XXXX XXXX sent Equifax a request of a dispute on an item over my credit report That dose not belong to me. and Equifax kept sending leters stating XXXX XXXX inquiry is a factual record of who accessed your credit file ) I called Equifax. and after I was on hold for XXXX hours finaly someone answers and says to me the same thing. 
XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) Ref # XXXX was a factual record of who accessed my credit file. 

EQUIFAX does not want to investigate and show me proof that its mine. I have never applied for a mortgage loan or a loan or done business with XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) Ref # XXXX. im asking you CFPB to help me fix my problem. as im not going to stop fighting this problem I have until its fixed. 

My name is XXXX XXXX XXXX contact phone number is XXXX XXXX XXXX XXXX.