WillisBack/dataset-financial-user-claim huggingface dataset:
Sometime around the beginning of XX/XX/XXXX my billing cycle was changed without my permission in regards to my flex-loan with Advance Financial. They also attempted to withdrawl payments from my bank account ( XX/XX/XXXX ) after I had submitted in writing to revoke permission to withdrawl funds from my account ( XX/XX/XXXX ) because of the billing issues. I have had no true resolution on my account even after submitting a BBB complaint ( # XXXX ). I have spoken with both XXXX XXXX ( Customer Resolution ) and XXXX XXXX ( Manager ) and each time I only ask for my account to be updated and a correct statement sent to me so that I can make my payments. Each time I speak to XXXX XXXX he tells me that he is correcting the error and fix my statement. I have made it clear that I will not make further payments until all errors have been corrected and I am sent a correct and accurate statement. I am told that they will only correct the errors after I make a payment. I think this is an unreasonable request when the statement that I am paying is incorrect. I have been told that adjustments will be made and fees removed from my account only after I make a payment. I have also requested no phone contact via writing and am still receiving multiple calls daily and voicemails with no messages left on my cell phone. This is a direct violation of my FDCPA rights in regards to ceasing communication and harassment or abuse by causing a telephone to ring continuously with intent to annoy. I just want resolution and my account corrected. I have included copies of BBB Complaint, email communication, phone calls and request to stop payments.
My account was sent to Professional Bureau of Collections of Maryland by XXXX XXXX. When the collection agency contacted me I requested for an settlement. After settlement was paid in full Professional Bureau of Collections of Maryland sent back to XXXX XXXX my information stating that the account was paid in full. XXXX XXXX representative stated " they do not show any agreement, although my account started at XXXX, I sill owed XXXX ''. I sent them a copy of the letter that I have from Professional Bureau of Collections of Maryland, stating that my account was paid in full, but I cant get a response from XXXX XXXX.
My sister, my daughter, my son and others have numerous voicemails from XXXX, XXXX XXXX XXXX stating fraud complaints against me and threatening legal action if my family or other referenced individuals can not get me or my attorney to call them back. There were calls from XXXX XXXX XXXX XXXX ext XXXX ; XXXX ( supervisor ) XXXX ext XXXX, XXXX XXXX XXXX. 
The major complaint is API divulging sensitive information to parties other than myself and scaring and harassing family members and possibly fellow workers who have access to work phone voicemail.
Experian altered my personal statement that I requested be placed in my credit file. I complained and they said the statement placed in my file is the same as I requested, which it is not and is proven in the attached documents.
I have been disputing the accuracy of a filing of a bankruptcy file # XXXX for about 6 months now. With a lot of hard work and determination I was able to have XXXX and XXXX remove this wrongful reporting that has a very negative impact on my credit. They removed this information back in XXXX andXX/XX/XXXX. However, no matter what I do, Transunion continues to fight me on this no matter what I do. 
I resulted to disputing it with XXXX which is who TransUnion informed me they recieved this public information from. I have finally received a notification from XXXX. 
DatedXX/XX/XXXX, a letter from XXXX, their file number- XXXX, clearly states this : After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the FCRA , and subsequently removed this record from your lexis nexis risk view report. 

Therefore, this information must now be removed from my XXXX report!!!! I have since faxed this information 4 times, sent via overnight USPS mail with return receipt and each time they are claiming they are not recieving this information even though I have confirmation of each thing I do. I have called in atleast 4 times every single day and have filed 3 open disputes. I even went so far as to ask XXXX XXXX to contact them to remove this false information from my report. 
I need help. please assist me in revolving this matter.
I purchase a XXXX XXXX from XXXX XXXX in XXXX mass I had a trade in I was told I was approved and the loan was for 48 months I signed all the paperwork took delivery and the next day I was asked to resign I had to resign 3-4 times all electronically and never was shown or received paper work the only time I was showed the paper work was the first time come to find out they changed the term to 84 I contacted the dealer and the sales manger was terminated. I have also contacted XXXX  XXXX XXXX and told them I had electronically signed the key pad at the dealer and it was a bad loan and I never received a contracts or documents. I was told there was nothing they could do from there I told them to come get there car due to the pad note they had me sign my credit report is now showing a charge off I am going to try this route first before filing through the courts I would like to see this off my credit seeing I did n't have it more than 45 days it also took XXXX XXXX XXXX almost 9 months to locate the car in which I told them I dropped it off right after I seening the fraudulent loan
In XX/XX/XXXX I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened with all three dealers and involve XXXX XXXX, Equifax and XXXX credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these inquiries removed immediately. 

If you have any questions, you can contact me directly.
I went to XXXX XXXX XXXX XXXX XXXX XXXX in late 2017. I paid my co-pay, and was billed an additional amount several months later. I paid this amount. I was sent a bill again the following month, for the same amount. I ignored it, figuring my payment and their bill crossed each other in the mail, and my payment hadn't posted yet. The following month I received another bill. I checked my account and realized they never ran my card, so I sent back the payment stub again, with the same card number. The following month I get another bill, this time {$78.00} higher. They claim they tried to contact me about my original payment not going through ( they didn't ), and that they added a collections fee to my bill .... *AFTER* I paid them, XXXX. Now the original balance of {$110.00} is gone, but I'm getting a {$78.00} invoice from them monthly for the collections fee. In addition, I get TWO DAILY phone calls from their collections agency, harassing me into trying to pay their bogus fee. XXXX XXXX refuses to do anything about it. Capital Accounts is trying to bully me into paying them.
I paid my worker 's comp Insurance for an outstanding balance on in the middle of XX/XX/XXXX as soon as they let me know it was due to settle the account and these guys still sent me letters and were incredibly rude on the phone and accused me of not making the payment even after proof was sent. In addition, after I directly asked if they had any relation to a previous collection firm ( something XXXX ) which I had already dealt with to close this issue out, that this was sent to I was told, no. After continuing to talk to them he admitted they did. They are very deceitful and should not be allowed to do debt collection if they can not be honest about what they say and do and confirm with the company that the debt was originally with is actually owed money, to begin with.
On XX/XX/XXXX I went in to a Best Buy store to purchase a new labtop. 

During purchase the supervisor encouraged us to sign up for the Best Buy credit card advertising it was 0 % interest on ALL purchases for 12 months. I asked for clarification and to confirm it was 0 % interest on ALL purchases- the supervisor confirmed this information. 

Reviewing my past two months statements I have been charged interest on all purchases made after the initial purchase which is not what was advertised. 

During transaction I never had the opportunity to review terms or read " fine print ''. I was lied to by a best buy supervisor.
Navient 's website now forces borrowers to pay a month in advance ( payments that are not even yet due ) before it will allow them to make a payment on a past due amount - even if only past due by 1 day. This happened to me in XX/XX/XXXX and XX/XX/XXXX. Each month, I logged in to make my payment and was confronted with a screen saying I had a past due amount, but that in order to pay it, I also had to pay the NEXT month 's amount due as well. No option is given to simply pay the past due amount. An amount that was past due by one day in each month. This is a deceptive trade practice, and Navient should correct the issue immediately. Customer service representative on XX/XX/XXXX told me there is nothing they can do about it, but agreed that " it's dumb. ''
I paid XXXX directly for a balance i had. I got a alert on my credit account after i paid for the balance by a collection agency stating i owed a balanced when i did pay it off.in addition i never got any notice from a collection agency. They never sent me a notice. I did stay in touch with XXXX and there should be recorded conversations that i did call them to let them know i was going to be late and that i was going to reestablish service with them.
TransUnion had  XXXX  separate glitches and my inquiries were deleted and then re-added to your report once the glitch was discovered. I 'm well aware of your legal rights and legal protections and that they failed to notify me in writing 5 days prior to re-adding the inquiries to my report that they were intending to do so. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion. CFPB help me make TransUnion stop victimizing me.
I separated from the XXXX in XX/XX/2016 and because of this was unable to afford the house anymore plus we were relocating to a different state. We tried to pursue a deed in lieu of foreclosure with Wells Fargo due to issues with the Realty company we hired to sell the house not selling it. They set up the information and deadlines for information they needed and informed me if I do not meet deadlines we would have to start again from the beginning. I would email them and call with information they need, only to not be able to reach them at all and then deadlines expiring. Then I would hear from them only to inform me I had to start from the beginning. Starting from the beginning they would always enter some type of vital information incorrectly as well causing further missed deadlines. This predatory practice went on for months until I hired a law firm and this is when direct communication with Wells Fargo went smoothly. I then released the Law firm from working on the case, but I figured it would be fine because Wells Fargo was communicating with me directly at this point. This is when Wells Fargo stopped all contact with me again purposely to miss deadline to extend the timeline and gather more late fees. This would be a constant theme with Wells Fargo because they did not want the deed in Lieu of Foreclosure, they wanted the house to foreclose.
PHEAA is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to PHEAA along with a notarized affidavit claiming fraud. PHEAA is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like PHEAA to close their files which have any information with my name & social on it ...
I received my new Chase chip card credit card several months ago. Called up Chase and they said it was activated and I did n't need to activate it just use it, it is activated. I use my credit card every day and pay my credit every 2 weeks. Suddenly Today I use my credit card to make a {$160.00} charge for concert tickets and my credit is declined. I have {$6000.00} credit on my credit card. Since my credit card was declined I did n't know why and I lost the concert tickets which will result in me having to pay {$320.00} for the concert tickets from a third party!!! Chase 1st said it was address issue, then their next excuse was they said my card was n't activated. They did n't email, text, or call me to let me know my credit card was deactivated today so I could resolve the issue. Ticket companies only give you a few minutes to purchase a concert ticket before you lost it. 

1 ) Consumer 's credit card should ALWAYS need to activate their new card and should n't work unless it is activated. 
2 ) Credit Card companies should NOTIFY by phone, text and email if they are going to deactivate their credit card for something other than no credit instead of getting the unpleasant surprise I received today.
My wife and I planed to have a screened in room built in XX/XX/XXXX, a man came out to my home from a company XXXX and went through everything with us the cost was {$10000.00} we signed paperwork for a loan from XXXX, we never heard from the bank or XXXX. 30 days later we received in the mail a bank statement for the amount of {$5000.00} to be paid to XXXX We called XXXX but could get any answers to why we own money come to find out XXXX went out of business and somehow had gotten money from XXXX ( scam ) and the bank is trying to collect money from us we hired a lawyer to look in to the matter but its been so long ago we though the case was done and free of the bank until it showed up on my credit report judgment XX/XX/XXXX
Company continues to refuse to send me information which validates that this is my debt that I signed for. They continue to mail me XXXX documents ' stating that there is a account, but no other information is provided. When I pointed this out and pushed for validation of debt, they ignored me blatantly and tried to get me to file a police report citing fraud and identity theft, ignoring my request for validation. They are ignoring my right to validate my debt.
Recently, I pulled my credit report and saw there is negative report in my credit report for delinquent payment for one of credit card Barclay Bank Delaware in amount of {$3700.00}. Attached the credit report from XXXX. I never had any card open with Barclay. I have tried to dispute it and XXXX  refused to remove it from account even though contest show my social security and my information does not match. I really need help to get it clear from my credit so I can get pre approval to purchase house.
I have a late payment on XXXX and XX/XX/2018 XXXX account # XXXX.The information is incorrect.
My escrow payment increased significantly from one month to another without warning. I still do n't understand why this issue could have been avoided. After several calls to my mortgage company Castle & Cooke I remain confused with the lack of customer service provided.
Bank of America is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, Bank of America on line payment system did n't work so the payments were posted late. The irony is that I have my checking account with Bank of America, so they just simply needed to transfer the payments from my checking account to the mortgage account with themselves and they failed to do that. Now they refuse to fix the issue because the loan was transferred to XXXX and they do n't care to do anything neither the new servicer. I am applying for a Mortgage and this issue is affecting my credit. Please help.
Creditor Name HUNTER WARFIELD INC Account No. XXXX Original Creditor XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance {$2100.00} Balance {$3100.00} Date Opened XXXX/XXXX/XXXX Date Reported XXXX/XXXX/XXXX Remarks Placed for collection They are trying to collect on a last month of rent for a place that was moved out to due BLACK MOLD, Broken garbage disposal and kept back flowing into the dishwasher/clean dishes so I was force to hand wash all dishes and the outside of my door was graphittied with a XXXX which was not taken care of.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified, first by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
XXXX continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.
Filled dispute for fraud charges made to card reported on XX/XX/XXXX immediately they close down cc. They would send out replacement card should received within couple of days. I placed a call informed would receive card on XX/XX/XXXX called several times every agent overseas not onshore agents. Informed me I would get the card. Money on the card they refuse to issue my money. Then, called spoke with supervisor inform me would be here on XX/XX/XXXX still no card. Need my money back and to close out this card. Has been nothing but trouble with this card.
This company, EOS CCA, has been calling my XXXX adult daughters and myself, all times of day and night, even before XXXX XXXX., harassing me about a bill that was 'charged off '' in XXXX. The amount was {$3600.00} at the time. It is for a financial aid overpayment in which the account should have been placed with my consolidated account with XXXX. EOS CCA is trying to collect {$6600.00} from me now. I made a couple payments on this account, but I was still in graduate school and was not working for a salary, which means I was interning. The State of California took my state refund that year toward this debt. When I began working, I contacted XXXX XXXX XXXX to begin making payments but was informed this account was charged off. I have been paying on my other student loans, through XXXX, for the past 2 1/2 years with no missed payments. I began getting calls from this collection agency about 2 months ago. They use threatening tactics, but they are calling my children and telling them my business about this matter. I want this stopped immediately and I want them to stop calling to threaten me about an account that has been closed and I no longer owe any money on. This is fraudulent collection practices, harassment, and elder abuse. I am not working because I am preparing for XXXX-XXXX XXXX and haven't worked since XX/XX/XXXX. I probably will return to work XX/XX/XXXX, but I fear they may try to attach my wages. I need to file my taxes but am afraid they will attempt to take my refunds for a debt that has been resolved. Although I receive XXXX, I am afraid they may try to attach this as well. I need your help with this matter immediately, thank you.
*Mailed a letter requesting the information below and only provided the information attached to the complaint. 

1.Agreement with your client that authorizes you to collect on this alleged debt. 
2.Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3.Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
XXXX. Provide proof of license and bonded to collect in the state of Illinois.
Ran my credit for the first time via XXXX XXXX.. Noticed charges I am not in anyway familiar with per credit agencies listed below. I would like to have these items of concern rectified and cleared from credit profile. 

Please see the following.

( 1 ) - XXXX XXXX XXXX XXXX states that I owe {$2100.00}. I know nothing of these charges and would like for this to be rectified and cleared from my credit score account.

( 2 ) - Capital One : {$560.00} Anything you can do will be greatly appreciated. 

Mr. XXXX XXXX.
I have received XXXX calls from this company telling me that I owe a debt. I do not know what type of debt, I do not stay on the phone long enough with them to find out. I do not have any type of delinquent debt, whatsoever. I once did, but over 7 years have passed since that debt was owed. Additionally, it would be " barred debt '' regardless, based on my state 's law ( s ). I think that they have bought a delinquent debt list that still has my name on it. I am concerned that this company or a future company may try and put it in my credit file with a CRA. This entire matter needs to be investigated and my name removed from their and/or anyone else 's purchased bad debt list ( s )
I refinanced my Mortgage in XXXX. Then in XXXX HSBC bought the Mortgage. I borrowed 100 % of the value on the home, which was {$150000.00} and have been paying on this mortgage for 13 years. Because of penalties and late payments and added on interest, I still owe over {$140000.00} according to HSBC on the original loan. I have asked and requested several times for them to work with me to lower my interest rate only to be rejected by them. I recently had my home appraised and the value came back as {$130000.00}, so as result I am underwater on this Mortgage with no light at the end of the tunnel. I am currently paying a 7.125 % interest rate. Interest for XXXX XXXX is {$780.00} and principal is {$280.00} = {$1000.00} + {$160.00} ( Taxes ) = {$1200.00}. At this rate I will most likely never be able to repay the Mortgage. The original Mortgage does not show up on the reports, which I find suspicious. I feel HSBC is a predatory lender especially since they have laundered money for XXXX XXXX.
I have contacted Navient on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX 2015 due to the lawsuit against XXXX University. I filed a " XXXX XXXX to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

Navient has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.
I purchased an appraisal though Solidifi, It came back incomplete and with a lot of errors. They would not give me a refund.