WillisBack/dataset-financial-user-claim huggingface dataset:
I received the attached email message this evening asserting that I have a past due amount ( see XXXX ). However, I have no amount that is currently due and have either paid the minimum amount due or in excess of such amount each month. Attached are my statements from the last three months, each prepared by the servicer after monthly payments were due, and a record prepared by the servicer of my payments for each month. The servicer failed to apply a payment I made on XXXX XXXX, XXXX ( see attached Discover Payment History and Discover XXXX XXXX, which states that I have a past due amount ). In addition, the servicer is demanding payment based on my XXXX statement ( attached ), despite that I made a payment on XXXX XXXX, XXXX without having a statement available at such time ( see Discover Payment History ; note : the XXXX statement was not created and uploaded into my account until XXXX XXXX, XXXX, after I complained to a supervisor named XXXX ). The servicer 's demand for payment on XXXX XXXX and this evening constitute a deceptive practice ( see 12 USC 5536 ( a ) ( 1 ) ( B ) ; see also Section 5 of the FTC Act for the definition of " deceptive '' ).
I have XXXX XXXX XXXX discharge and my credit score went up fell went up and fell again.. what is the meaning of this ...
Today my lender increased my private student loan payment, without my knowledge or consent. As it was before I was struggling to make the payments, and when I tried to reach out for a way to negotiate payments or change the payment plans, they told me that my loan did n't qualify for that. I also think that they might be underestimating how much money I pay in interest on my XXXX
This Complaint is intended as means to clarify my contention that the XXXX laptop computer I purchased from XXXX on XX/XX/XXXX is intended as more or less a disposable toy designed to generate as much revenue as possible for XXXX and its myriad partners, largely -- but not entirely ( the system battery is by no means intended to be accessible to users, as I have yet to even locate it ) -- owing to the absence of adequate cooling for the device 's Central Processing Unit. As seen in the attached photo, the customary cooling configuration for laptop computers involves the use of CPU paste ( not visible in the photo, but assumed to be present ) and an exhaust fan which sucks air through its top and blows it out the side air vents of the laptop, while also funneling air to the CPU via a flat copper rod. While the this configuration may well suffice for an XXXX CPU whose maximum speed is 2.4 GHz, it can not adequately cool an XXXX CPU whose nominal speed is 2.4 GHz -- designed to operate at speeds as high as 3.3 GHz -- as is the case with the XXXX XXXX mobile CPU that powers my device. This explains why my device is not reliable for anything more CPU-intensive than email, as the device will invariably crash when used for extensive multi-tasking of any kind or intensive video rendering. 

Moreover, the device is recycled and fraudulently advertised as retail, as XXXX has persistently failed to provide me with an explanation for the six-month discrepancy between when my laptop computer was manufactured on XX/XX/XXXX and when it was allegedly received ( and subsequently registered with the manufacturer, XXXX ) on XX/XX/XXXX by the supposed distributor, XXXX XXXX ( XXXX ), given the precarious and short shelf-life of laptop batteries. As recently as XX/XX/XXXX, I presented Citi with an offer to be forwarded to XXXX that I would reduce the amount of the dispute in question from {$370.00} to {$50.00} if XXXX were willing to demonstrate that the relevant issue at work with the dispute in question is shoddy ( as opposed to fraudulent ) distribution by procuring from XXXX a replacement device that can be verified as having been manufactured within a month of being delivered to me. Thus far, Citi has failed to even acknowledge receipt of my offer, which I resubmitted today via fax.
continuation of XXXX complaint due to Ditech Financial LLC not following their own word and finding excuses to get them out of loan modification contract they made with me and after i sent them the first payment for loan modification and had sent them their paperwork and a copy of paperwork overnight through XXXX. Ditech is now denying the loan modification due to paperwork not arriving in a timely manner and i have proof through XXXX tracking that paperwork did arrive on time at their office in XXXX, Arizona on the XX/XX/XXXX as was needed, but was not delivered due to " Customer not available or business was closed '', but was delivered on the XX/XX/XXXX and signed for by a XXXX. since i have received calls from Ditech Financial llc and prior visits from their reps on saturdays, i fully assumed that their office was open and reps were available to receive the XXXX package with the loan modification paperwork. since the paperwork was delivered in a timely manner, Ditech Financial LLC should keep their word and honor their contract as i had with returning the signed documents and made the first loan modification payment. in a letter received XX/XX/XXXX, Ditech Financial LLC, STATES that i have 2 choices..SHORT SALE ... wanting me to sell my personal property ( my land that i had previously before purchase of mobile home ) that had nothing to do with my original purchase or loan modification and pay them off. the second was DEED IN LIEU OF FORECLOSURE.. wanting me to voluntarily hand over the deed to my personal property. again had nothing to do with my purchase of my home. 
also, my complaint leads into the right hand not knowing what the left hand is doing. my first statement after returning loan modification documents and making my first payment on the loan modification, i receive my first statement again with threats of taking my home and saying i am delinquent for 523 days even tho i have been making payments every month since my original contract matured even tho i still believe the amount owed is manipulated through creative financing at their whim and not owed, just so i can keep the home that i have been paying for going on 22years and the contract was 20 years. i feel there needs to be a complete FEDERAL AUDIT of my account and many others to see the creative financing Ditech Financial LLC fka XXXX XXXX that this company is capable of! 

Also would like to see how 2 large payments of XXXX and XXXX were applied to my account. Another thing is my account payment was raised from {$280.00} to XXXX after i had a bankruptcy in XX/XX/XXXX ... .where did that go?
I have been ( robo ) called everyday by " Convergent Outsourcing '' who ( once I identify myself ) stated they were representing XXXX and trying to collect on a past due bill. I explained that when I closed my account, I was told everything was in order. They insisted I owed ( roughly ) {$190.00}. I asked that they email me an invoice or provide some sort of verification. They refused. They have called me several times everyday since, and today called my ex-wife and left a message stating they were trying to collect a debt.
I bought a vehicle in 2012 and that vehicle was given back and repossessed due to failure of the motor. I only had that vehicle for four weeks. The company took it back and now I just found out they are garnishing my wages without notice of lawsuit or any communication. They want to charge me {$21000.00} for a vehicle that is not in my possession! This happened in 2012 and just now they are taking my wages without any notice at all!
I have been steadily and on time, paying down my balance when I was suddenly hit with an interest charge of {$780.00} on XX/XX/2019. This on a balance of {$1400.00}. 
Up until this month, XX/XX/2019, my previous monthly interest charges would range in the $ 20- {$30.00} range.I scarcely use the card in the last 12 months and have committed to paying it completely off and closing the account. 
In addition to the additional {$780.00} fee, my balance has now been pushed over my assigned limit, so yet another fee of an " over limit '' charge of {$35.00} was added to my 'debt '. Coincidentally I'm sure, I am unable to download to file or even view these insane finance charges per usual with the easy to read pdf format, as I have always been able to do up until to this charge had been added. I have a paperless account. 
I have called their customer service and spoken with a representative " XXXX '', who stated the charges are accurate and will stay. So I must pay the amount or suffer the consequences. Please help me! XXXX XXXX
I sent a Wire Transfer on XXXX XXXX, 2017 in the sum of {$5000.00} to Coinbase and received this email the following day : " XXXX replied : Hi there, This email is regarding a wire that was sent to your Coinbase account. 

Unfortunately it appears that the legal name on the wire we received is the name of your bank. Please work with your bank to correct this. 

In order to wire funds to us, the name on the wire must match the name on the Coinbase account. Because of this we will be returning the wire, and the funds should arrive in your bank account within a 3-5 business days. 

Moving forward, please wire funds from a personal bank account held in your name to avoid any wire processing delays. 

Thanks for choosing Coinbase! '' It was stated that the funds will arrive back to me within 3-5 days, but as of today I have not received the fund back in my account. There is no reply when contacting support or any information as to where the money has gone. It is a fraud that this company is able to withhold money indefinitely without providing any means of contacting someone who is able to correct the issue. 

The coinbase case number that was provided to me is : XXXX
I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the fifth time I must dispute this same bad debt. Upon attempting to dispute on this occasion Phoenix Financial Services has made it increasingly difficult for me to dispute this debt as they have three times over confirmed to XXXX that the debt they claim I owe is current, active, and legitimate. This is not true. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file. The same debt continues to appear on my report from different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are dishonest practices. This has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports. Attached to my precious complaint against XXXX you will find a picture of a communication from the original creditor evidencing that I in fact owe {$XXXX} associated with this original debt that incorrectly keeps reappearing on my credit reports.
On  XXXX / XXXX / 2017  @  XXXX  I received a phone call from  XXXX    @ IQ Data International.   My   XXXX   XXXX   XXXX    child was screaming in the background while  XXXX  was explaining the reason for his call. Once my child stopped screaming I told  XXXX   I d id n't hear anything he said. He stated by  XXXX  and hang up the call. I called back and the rep attempted to reconnect me with  XXXX  but he did n't answer. I was then transferred to  XXXX  who said she was the supervisor and would look into the call. I do n't believe anything will be done. I have asked  XXXX  on previous occasions not to call my phone number. I have asked that all communications be done by mail or email. I asked for the address to send over a cease and desist but  XXXX  refused to provide me with that information because I would n't verify my identity.
I previously sent two requests for validation of the debt. Never got an answer from XXXX XXXX. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. As you can see from XXXX 's reporting of this same {$64.00} debt, they show Date opened as XX/XX/XXXX ( the actual date of last activity was probably in late XX/XX/XXXX so the entire amount is no longer collectible and should be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.
This company gave false information on their website on how they determine credit approval. It clearly states that they do not perform a credit check, but obtain banking information, and the ability to pay back, and that a social is not needed to apply, with that being said i applied, was denied, and that obtain my credit report which lowered my score, i submitted a dispute to Experian already, but would like the company to remove the HARD INQUIRY since they are the ones who accessed my credit report without my consent. Below is a email between me an a representative of the company : Hi XXXX, Thank you for your message. In the process of completing your application you gave consent for your credit to be pulled by us to complete the evaluation of your application. Because of this we are not able to remove the hard inquiry on your credit report. 

If you wish to dispute the inquiry you can make the request directly with Experian. 

Best, XXXX Team -- XXXX XXXX from XXXX XXXX 
Powered by XXXX  On Tue, XX/XX/2018 at XXXX XXXX, " XXXX XXXX '' XXXX wrote XXXX Please remove the hard inquiry Sent from my XXXX On XX/XX/2018, at XXXX XXXX, XXXX Application Processing XXXX wrote : https XXXX XXXX XXXX XXXX, Thank you for your recent application for credit . We regret that we're unable to approve your application at this time. Your request was given careful consideration and based on the information provided, you were declined for the following reason ( s ) : Did not demonstrate a sufficient ability to pay Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information.
RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1. XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX
OnXX/XX/XXXX, I faxed all three credit agencies ( XXXX, XXXX, Equifax ) to remove incorrect /derogatory reporting of XXXX liens on my credit report which had been paid, released and withdrawn in XXXX. I faxed the supporting documentation proving that the derogatory reporting was not valid XXXX and XXXX promptly removed the inaccurate reporting but I discovered that Equifax did not. 
3 weeks ago I applied for a home equity loan and was denied the lower interest rate because of score due to derogatory public records on my credit-report from Equifax that should have been removed ages ago. 
Equifax is still reporting this inaccurate derogatory information which is affecting my ability to properly qualify for a loan and causing me hardship.
BarclayCard credit card, who I have a credit card account open with, reported 2 months late payment to my credit bureau XXXX. But I never knew I had a balance and I never received any bills. I called customer support and they could not provide me with details as to why they failed to mail the bill to correct address.
I am trying to put a freeze on my credit. I accessed the respective links from this site : XXXX since the fees are state dependent. There was no issue with XXXX and XXXX. I was able to complete and freeze the account online. With TransUnion, it first asked me to create an account. Then upon entering all details it said could not complete it online and asked to call a number. It was obvious it was an outsourced call, and the first thing I have to provide is my SSN. Seriously? I am trying to put a credit freeze due to a hacking of my personal information, and now I have to give my SSN to someone on the phone? 
This is the message I am given : What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : Please contact us at ( XXXX ) XXXX to initiate your security freeze transaction by phone. 

TransUnion needs to have a better way for Individuals to freeze their credit online. I am unclear on what data is incorrect, as it is not identified. If the other XXXX agencies could transact and freeze my credit why does TransUnion have an issue with the data? Perhaps they want to tie me in to a subscription?????
I recently had some negative information reported on my XXXX, XXXX   and Experian reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

XXXX XXXX File Number : XXXX Experian Report Number XXXX XXXX SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 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 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 These number do not belong to me!! 
( 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 I have attached proof of my address in this complaint.
Hello, Im XXXX XXXX and Im having issues with American Express. On XXXX XXXX, XXXX I noticed fraud on my credit card. I contacted American Express to report the fraud of XXXX and the started their investigation. About XXXX weeks later I received a check and letter for XXXX and they said theyve investigated the fraud and they refunded me with a check for the full amount. 

Well one year later they said my soon to be ex wife contacted American Express saying the charges were valid which I find funny because she received half of the money. 

My wife did this just to get back at me knowing the card was in my name and it would go on my credit. Because of the fraud I got a new card and stopped using American Express because of the fraud. 

I read online that American Express has 90 days or two billing cycles to resolve the issue or remove it. Well they did resolve it with the check they sent me in XXXX of XXXX and all the fraud was resolved on that date. 

Im hoping you can help me with this because being XXXX I feel there not following the law and theyre taking advantage of me. 

Thank you, XXXX XXXX
Settlement for XXXX XXXX debt collection was done through their agency, XXXX XXXX XXXX. ( ERC ) on XX/XX/2017. 
The collection information is not deleted from my credit report after the Settlement was made.
I paid this account in full. I have received a letter from the local judge stating that the case has been dropped and they still refuse to take it off of my credit report
Equifax is showing 90 days late with XXXX XXXX. My car was totaled and had GAP coverage. The GAP insurance short paid XXXX, through no fault of my own. They are now chasing me for the money owed by XXXX, which I think is illegal. Now my credit is ruined because of there nefarious actions.
I pulled up my XXXX  credit report and transunion report and it not reporting incorrect. and all my credit cards have been removed from XXXX  reporting and im missing five credit accounts on my XXXX  report and i contacted XXXX XXXX they refused to submit a documents to the credit bureaus and told me that i need to put it in writing which i refuse to do because i did it in the past and never got a response from them and there are no credit accounts are being reported on XXXX  XXXX didn't have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION DIDNT REPORT THIS XXXX XXXX XXXX XXXX XXXX  XXXX
I recently received a copy of my credit report and notice a derogatory account for {$4600.00} that shouldn't be there. I disputed this account with all three credit bureaus by mail. On XX/XX/2018 this account has been removed from my XXXX credit report as unverified but it still remains on my Experian report. After another dispute this account Still Remains I tried to explain to the representative at Experian that this account does not belong there and it has been removed from XXXX. The representative advise me to dispute it again which I already did twice to no avail.
I closed the credit card on XXXX 2013, but still display it on the credit report. 

1. bank of america A # XXXX open date XX/2013 closed date XX/2013 ( chapter XXXX ) {$1500.00}
in less that 6 months after closing my home loan the servicer, due to a typographic error, thinks my property taxes have went up XXXX fold. I called and asked for a recalculation, the agent on the phone could see the payment they had sent for the half was only {$150.00} dollars ... not the XXXX thart they were projecting ... so they decided to raise my payment by {$270.00}. I have had this loan less than 7 months. there is NO way that the underwriter, QA department ( as my loan was selected for review ) and the closing title company were all wrong on my taxed by 10 times!!! they now refuse to lower my payment to what it should be, as they claim that I am not getting any type of reduction ... you can clearly go on the auditors page and see that my second parcel is charged XXXX not XXXX now with less that 14 days before my payment is due.. they want me to wait 3 business days for a manager to call me back ... and refuse to recalculate my payment based on fact