WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I got a credit card from XXXX XXXX XXXX, now XXXX XXXX. I used the credit card up to the limit of {$1500.00} and had trouble making the required payments. In XX/XX/XXXX I was requested to go to the bank and make a payment of {$630.00}. I understood this to be a reduced amount that if it were payed, the balance of the debt would be forgiven and the card closed out. I went to the bank and made that payment of {$630.00}. In XX/XX/XXXX, I got a summons to appear in court and was required to make additional payments of {$100.00} per month to pay down the outstanding debt. 

I thought the debt was paid already. So during the time frame of XX/XX/XXXX-XX/XX/XXXX,  through a combination of payments and garnishment of my income tax returns, {$3600.00} was paid. 

Added to the prior payment made at the bank, I have paid {$4200.00} total against the original credit card debt of {$1500.00}. 

Given that I CAN NOT pay you any more, you are just adding to my stress level. Currently I am social security XXXX, diagnosed with XXXX XXXX, seeing a XXXX twice monthly. I am also supporting another person on my SS. I am XXXX, XXXX and will likely not work again. I barely have enough money to make it month to month. I am asking in fairness, that after paying {$4200.00} total, against a debt of {$1500.00} that any balance remaining be forgiven.
In XX/XX/XXXX Ruoff Mortgage company denied my conventional loan which forced me to get an FHA loan. The reasoning they gave me for denying the conventional loan was a Sheriff sale on a previous home in my name. This is false. I have made many requests to obtain the information used to deny my loan from Ruoff Mortgage Co. so I can persue corrective action. Ruoff Mortgage Co. Refuses to send me any information they used to deny my loan. The FHA mortgage cost me a considerable amount of extra costs and monthly fees. 
I closed on the FHA loan on Friday XX/XX/XXXX. On Monday XX/XX/XXXX I attempted to make the first years interest payment to Ruoff Mortgage Co over the phone and they refused to accept the payment stating that " it will make it impossible to sell your loan if the buyer sees that you want to make large payments. ''
I went through a bankruptcy in XX/XX/XXXX through XX/XX/XXXX. I received a chapter XXXX discharge. As part of the bankruptcy process I surrendered real property which has an address XXXX XXXX XXXX, XXXX, GA XXXX. I immediately vacated the real property and did not force the lienholder to evict me. The mortgage was serviced by Everbank. I have recently attempt to rent a home. Through this process, it has come to my attention Everbank is reporting they filed an eviction action against me ( though they list they evicted me from XXXX XXXX XXXX, XXXX, GA XXXX. This report is fraudulent and I believe it was reported as a punitive measure because I filed for bankruptcy protection. I was never served any paperwork and I was never given an opportunity to defend myself. The listing is wrongful and is causing me actual harm. I have contacted Everbank and they have callously refused to correct their misrepresentation. They are willfully taking action which iskeeping me from even renting a home.
XX/XX/2018 XXXX XXXX should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently
I disputed the validity of the bankruptcy information being on my credit reports with TransUnion, XXXX  and XXXX. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XX/XX/2018 indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a TransUnion representative on Tuesday XX/XX/2018 because I checked my credit score on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. Today XX/XX/2018 I received a letter from XXXX  saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to XXXX and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove it.
I have a citibank credit card which has a balance with no interest. Due to XXXX I was late with XXXX payment, so to avoid this happening again I set up the amount of {$60.00} to come out of my bank account I used the amount {$60.00} as directed by a staff member as the amount should not go up due to no interest. 
I then this month noted I was being charged a late fee of {$35.00} Turns out the minimum balance that month was {$67.00} I called the bank to explain the situation and was told there was nothing they could do to take the {$35.00} off. So i was charged {$35.00} for a missing {$7.00} this is robbery.. How can they be allowed to do this for a missing $ XXXX explained XXXX times to the representative but he would not adjust the statementA late fee should be if you missed the payment not if you made most of the payment and contacted the company. I was made to feel like a terrible person. 
I tried to keep calm but did become angryAll i am asking is for the late fee to be adjusted, I have been a good customer. 
I will be cancelling the accountThank you
I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Diversified Consultant Inc
Since XXXX 2015 I have sent letters to IQ Data International to have an unknown account removed. I was never contacted by them initially, so I can not tell you what the debt is for. I discovered the account on my credit and requested that they send me proof they have the correct person and or advise me of whom the original creditor is and or what it is for ... ... .. 
However, they did finally respond to me a few days ago 6 months later alleging that the account is for past due rent. I have no idea how they got my information or when I was supposed to stay in the so called place. I was never once notified or contacted by the original creditor/apartment complex. IQ Data just placed the debt on my credit and left it up to me to discover it.
I submitted a check to Ditech to reinstate my mortgage and they ca n't find the check. They said I need to get a reinstatement from the law firm which I submitted 2 weeks prior. I never got the reinstatement from the law firm called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I had to call Ditech again and they said they have no record of a request and will request again. I asked the woman to cc me or send me a copy of the request, she said she could n't. I then emailed the law firm the request and saved a request myself. I also tried to do a modification with Ditech and they said I was missing paper work. There was no missing paper work, I submitted everything which was required plus more. I have copies if you want. They then rejected my Mod. I also submitted for California Keep Your Home and they said I make too little money. What good is the program if I make too much money? This is becoming out of control. XXXX did the samething years before and got rejected for their modification program. I currently pay a 6 % interest mortgage for the past 10 years. Ditech keeps on swapping out new account reps on my account every 2 weeks. They each let the phone goto voicemail. I 've emailed in the website and do n't get a response. This is pathetic. No customer service when I 'm trying to pay the mortgage. I 'm actually trying to give them my money. These banks need to be shut down or thrown in jail.
Global credit is reporting on each of my credit reports that I owe XXXX XXXX Hospital {$940.00}. I have contacted the hospital 's accounts department @ ( XXXX ) XXXX and have confirmed that there is no past due account of mine that exists in their records.
I am a customer for Wells Fargo customer for the second and final time. I have spent a total of 5 hours in the XXXX XXXX XXXX office trying to resolve my deceased fathers accounts. The manager XXXX XXXX was out on vacation today. Unfortunately, I was being helped by someone name XXXX. She was not familiar with the process. Between her and the legal department things went from bad to worst. She was trying to have a conversation with me and the legal department at the same time. She could n't seem to get my name right not once. I was given the wrong forms to fill out. After she notarized them she realized they were all wrong. Although the process was lengthy the first time XXXX XXXX, 2016, it was handled professionally. 
I could no longer continue business with such a unprofessional person ( XXXX ) so I left to deposit and cash a check for my personal account, on the teller side. Well things on that side was no better.. XXXX XXXX proceeded to tell me, very hostilely that it would be a {$10.00} fee for cashing a Wells Fargo cashier check and issuing another one minus XXXX. So, I stated I wanted to cash the entire check and take the cash. He then stated, " that was not possible. Wells Fargo requires a 3 day notice for cashing such a large amount ( XXXX ). I asked him to wave the fee ( as they always did ), he again stated very hostilely, I will wave it today, for the last time. I really do n't think I need to put up with such poor attitudes and lack of employee 's knowing banking policies. I did however receive excellent service from XXXX. What she did n't know, she kindly stated that and politely found out the correct information. I have never, never received such poor service from this particular branch. In the future if XXXX XXXX is out, another person besides XXXX need to cover as a Manager. Their are other qualified and professional staff members that can maintain excellent customer service. There was no one to greet the customers and I sat for XXXX min. before I reached out for someone for help. XXXX XXXX XXXX walked right by me and placed another customer before me. That is when I spoke up. I will not be returning to this branch. As soon as my check clear I will be closing my account at Wells Fargo for the last time.
JH PORTFOLIO DEBT EQUITIES COLLECTIONS- AMOUNT- {$8200.00} DATE OPENED XX/XX/XXXX XXXX/XXXX- AMOUNT- {$1200.00} DATE OPENED- XX/XX/XXXX XXXX XXXX XXXX- AMOUNT- {$430.00} DATE OPENED OPENED XX/XX/XXXX XXXX XXXX XXXX - AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX/XXXX   RETAIL- AMOUNT- {$0.00} DATE OPENED -XX/XX/XXXX XXXX XXXX- AMOUNT- {$0.00} DATE OPENED -XX/XX/XXXX XXXX/XXXX XXXX -AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX/XXXX  -AMOUNT- {$2600.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX/XXXX -AMOUNT- {$2300.00} DATEOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX -AMOUNT- {$2200.00} DATE OPENED XX/XX/XXXX
Someone by the name of XXXX XXXX contacted my job on XX/XX/2018 making claims he was verifying my employment. He then went on to threaten legal action against me on some account that was submitted to his office.
On or about XXXX XXXX, 2017, the collection agency responded to the CFPB ( Consumer Financial Protection Bureau ) advising the matter has been closed in the office. However, this agency was negligent in informing the CFPB that the information in which they reported to the major credit reporting repositories will be removed.
On XX/XX/XXXX I went onto XXXX XXXX and filled out their form for an electronic deposit from my XXXX checking account directly into my XXXX account for the year XX/XX/XXXX for {$6500.00}. I accessed my XXXX account on XX/XX/XXXX and did see my transferred {$6500.00}. I immediately contacted XXXX ( XXXX ) and spoke to customer service, XXXX, and then the supervisor XXXX and they said they did not see my money but would send this as case number XXXX to their operations department and that I would be contacted in 5-7 business days. XXXX verified the XXXX of monies as did BNY Mellon as occurring on XX/XX/XXXX. I continued to call XXXX and they continued to tell me that they are expediting my complaint to operations and that is all they can do. On XX/XX/XXXX I  sent XXXX an email stating I was escalating this complaint and I filed a complaint against BNY Mellon on XX/XX/XXXX. I was by given by BNY Mellon 's representative the name of XXXX XXXX and XXXX XXXX, who is in charge of XXXX. I have called her daily and she has never returned my phone calls, but today, XX/XX/XXXX, her receptionist asked me if " they had called me '' and I thought that odd. I asked who " they '' were and she would not say. So, my husband and I feel there may be fraud involved since this should have been an easy issue to resolve, but there is the fact that almost {$7000.00} of my money is missing and no-one can attest to where these funds are. Thank you for your assistance.
I opened an American Express credit card in XX/XX/XXXX, I made the payments monthly sometimes twice a month. In XX/XX/XXXX my mother XXXX, I was unemployed, I contacted the company and made every effort to pay but could n't. During this time, the company assured me that I had insurance for the card and that this insurance could cover the payments until I was able to find a job. Subsequently, the account went into charge off status and to this day, even though the card was in this status American Express continues to put on my credit report monthly that my account is late, even though the account is closed and in charge off status. This has also prevented me from refinancing my student loans which has extremely high monthly payments.
Called my supervisor and harassed my supervisor about me, leaving threatening messages on my cell phone and work phone.
On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX  had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.
XXXX XXXX with XXXX has contacted family members with no connection to my debt, despite acknowledging and agreeing to a verbal cease and desist to such practice. She is also threatening me with legal action if I do n't " pay immediately. ''
XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Service. When I was ready to pay my monthly payment, Carrington sated that my loan was " not yet in the system '' and I would receive " a welcome packet ''. I never received a welcome packet and my first correspondence with Carrington was a delinquency notice for the two months in which they were unable to accept a payment, plus a third. I made payments but got behind when I was in the hospital and lost work, the house froze and then flooded when thawed in this bitter Maine winter. I received a Notice to Cure but Carrington won't apply funds they have and won't accept any payments. Clearly, from the beginning, Carrington intended to take my house and the equity I built up over the past fifteen years. When the loan was sold, there were no late or missed payments to XXXX  XXXX XXXX. Carrington engaged in unfair business practices intended to set up the homeowner, me, to fail. The house is on the market for sale and Carrington will be paid in full, but I do not want it to go to foreclosure and lose all my equity.I 'm selling because I will be moving for work, but I don't want anyone to have to deal with Carrington Mortgage. I want to get caught up but they will not accept a partial payment or a principal payment and interest separately, or apply payments already submitted. this is unfair, cruel, and does not let people get caught up ; and, they set it up that way.
There is a hard credit inquiry on my XXXX credit report from Continental Finance Company of XXXX, DE. I did not authorize that inquiry. I have no accounts with Continental Finance Company of XXXX, DE, and I never applied for any accounts with them. When I attempted to inform them of this error, they told me to " get a police report '' ( they never even asked me my name ). Continental is an unprofessional company. The hard inquiry was made on XXXX XXXX, 2015, exactly one day before I filed for Chapter XXXX bankruptcy. They need to remove that inquiry from my XXXX report ( I have already contacted XXXX regarding this ) posthaste.
I got a letter from this collection agency XXXX XXXX XXXX the letter state that I owe them a debt for {$250.00} was dated XX/XX/XXXX. They said I must notify this office in writing within 30 days from receiving this notice that if I dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy and mail it to me. I then sent them a certified letter with a signature receipt on XX/XX/XXXX asking them to do so. I request they send me something in writing with my signature verifying that I owe them this debt. I then received another letter from them stating that they got the okay from their client to add this to my credit report again I have not received anything from them but yet I get alert on my email on XX/XX/XXXX telling me a new collection has been added on my credit report. How can they add this to my all my credit report without first sending me something with my signature verifying this is my debt? I feel the company violated my rights under the FDCPA. I have not received any letter from this company to explain or etc and I notice they placed this collection on all 3 bureaus without validation letter. I am going to report this action to Attorney General and the Better Business Bureau today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my credit scores.
According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with XXXX closed/current/paid last updated XXXX/XXXX/XXXX, another with XXXX closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other Transunion closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time
I have paid off my debt in full with CITI bank you has REMOVED this account # XXXX from my credit report completely. Now XXXX - a VERY AGRESSIVE AND UNETHICAL COLLECTION COMPANY - NOT LICENSED IN CALIFORNIA is attempting to rudely collect on the paid in full debt on behalf of citi bank who states NO SUCH account is in their system anymore! 

XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$18000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : N/A Terms Duration : Terms Frequency : Date Opened : XXXX/XXXX/XXXX Balance : {$18000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$18000.00}
On XXXX XXXX, 2015 I filed for a chapter XXXX as a result of my lender instituting foreclosure procedures. My home was scheduled to be foreclosed on at the courthouse steps on XXXX XXXX, 2015. As a result of the filing it halted all proceedings from debt collectors, attorneys etc. After informing by lender of this filing they asked me what where my intentions with the property and I informed them that I wanted to keep the property and just catch up the missed payments. The bank informed me that i couldnt pay what was owed because it showed that the home had been foreclosed on until the foreclosure status on my account had been removed I could n't pay on it, pay what was owed, do a workout option or anything to move forward. I was told that the sale had to be resended and then I could move forward. That was XX/XX/XXXX and now we are XX/XX/XXXX and we still can not move forward because it is currently showing that property was foreclosed on and it hasnt been removed from there system. I now owe more which is not fair making it more difficult to work out something with my lender and catch up due to internal operations and lack of due diligence.
Calls identifying their purpose as a debt collector ( NES Ohio ). A recorded message leaves an XXXX number for a response, offers no information as to the source of the " debt '', who they represent, or an amount. I do n't know why they would call.
My debit card was stolen last week. Some made XXXX XXXX dollar withdraws from ATM. I do n't know times B of A would n't release that nor phone numbers. I called in several times had to call back and wait on hold for long times. Also the rep did n't report the XXXX as fraud they just left it. The XXXX case took 3 days and the XXXX case was 1 day. nothing has been done about it. I report BANK OF AMERICA TO XXXX. A lady contact me and left voicemail she be looking in to it and some how its already closed. This whole case seems fishy. bank of america states you 're not reasonable for basic transitions or ATM withdraws you did n't make. I DID N'T MAKE NO WITHDRAWS. ALSO THIS COMPANY DOES N'T CHECK ID WHEN WITH DRAW {$10000.00} OR XXXX OR {$500.00} AT THE TELLER LIKE OTHER BANKS DO. BIG RISK FOR PEOPLE TO STEAL MONEY FROM PEOPLES ACCTS.
I was part of a workman 's comp claim. I directed hospital billing to my insurance claims adjuster. Hospital continued to call me. I instructed them this is a workman 's comp claim and I am not the party to pay for this bill under California Labor Code section 3751 ( b ). They have submitted me to a collections company for payment who continues to call me instead of insurance company.