WillisBack/dataset-financial-user-claim huggingface dataset:
Revenue Group keeps calling me on a bill that I am making payment to. 
*Revenue Group stated that I am not in hardship and the payment I am making is not enough. They also stated that I need to make half the payment that day XXXX/XXXX/XX/XX/2015 That amount was {$600.00}. I explain that I am making payment and do n't understand why the calls. 
*Revenue Group stated that I have the money and should pull from my other means. 
*They also stated because I have a house, husband, cars and a job that I should make bigger payments and not act like I 'm in hardship. I am NOT sorry for doing the right things in life.
Constantly receive phone calls from mortgage lender Bank of America even when the payment is not due. Receive calls from them several times a day and on Sunday 's as well. We have spoken to several people from the mortgage lender and will then still get several calls later that day wanting to know when we are going to pay a payment that is not due. When we informed them that we have already spoken to someone they will not take that as an answer or resolution to the call. They are very aggressive, rude, and harassing in the manner in which they are trying to do business. We have had a home loan with the same mortgage lender for 15 years now and have always paid our payments in the same manner with no issues. We had one late payment and we worked with Bank of America to get that late payment paid however continued to get harassed by Bank of America. The harrassment continues to worsen as do the number of phone calls per day and we have advised them that we may have to contact an attorney if the harassment continues.
After multiple disputes and attempts to resolve with the creditor  XXXX  and  XXXX , the company has agreed to delete the inaccurate information from my file. All credit bureaus have been compliant, except for TransUnion. The request to withdraw the invalid account was made in  XXXX  and has yet to be fulfilled by TransUnion. I have attached a letter directly from the creditor proving their intent to delete the account and a copy of my credit report from Transunion showing their willful non-compliance.
I have written to the company a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my  physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. As of XXXX /2017 they had sent me a document with wrong address, no consumer agreement, and also my name typed as a signature with undercase lettering. That is definitely not an authorized agreement. They have STILL not  provided me with any proof that this said " debt '' belongs to me.
I have been trying to dilute a bankruptcy on my report from Experian. The reporting agency Experian has used to verify the bankruptcy is XXXX XXXX. My XXXX file has been frozen since XXXX XXXX, 2016. Experian keeps claiming they are verifying information on my credit report and that the source of verification is XXXX XXXX. How is this information accurate if my XXXX XXXX is frozen. Attached is a documentation of my XXXX XXXX consumer being frozen. Experian is not in compliance with the FCRA, XXXX and CFPB
XXXX denied an IDR application I submitted two times, each time acknowledging they had made an error and promising to submit it correctly. 

XX/XX/XXXX Submitted IDR application. 

XX/XX/XXXX XXXX XXXX XXXX believes the XX/XX/XXXX letter in the mail was sent in error and I do not need to re-certify by XX/XX/XXXX, which is why my IDR application was denied. 

XXXX put me on hold and discovered that because I had changed my due date in the summer of XX/XX/XXXX, I am still due for recertify. She stated she will submit for review and the person who had processed my IDR saw the wrong date so denied my IDR application. When I changed my due date in the summer, I still had 6 months of the 12 months which would be now. She will submit the application for review again. 

About a 30 min. phone call. 

XX/XX/XXXX XXXX - sending me to a specialist, I waited 10 mins to speak and I will have to wait another 5-10 minutes. 

XXXX-I had to ask for her employer id. 
Placed me on hold for more than XXXX minutes. 

The second IDR request submitted for review was denied because the person assumed that I was doing it too early ( Similiar to the first denial ). She had someone come and look who processes IDR application since she does not. They will try to process it by the end of the business day today. 

Again, a phone call of at least 30 mins.

XX/XX/XXXX XXXX Called to follow-up on my application status since they stated it would be processed on XX/XX/XXXX. He noted it shows an expedited app. process on XX/XX/XXXX He is going to one of the processors to see where it is on the cue. He stated it will take 3 days, maybe up until next week due to the snow storm. 


XX/XX/XXXX XXXX - I called because my IDR application should have been approved, not denied, again. She said it was not her department. I said I wanted to file a complaint and she said she would transfer me. 

Did not get this employer ID #. 
She apologized for my application being wrongly denied. She stated she will personally have it done by today and by Weds. morning I should have something in my inbox. 


The same application I had submitted on XX/XX/XXXX was finally processed.
I contacted XXXX XXXX which then became Navient without my knowledge until I received an email from Navient. XXXX XXXX did not warn me about the company changing over, nor did they update me with contact information for Navient. I have received SEVERAL emails that I still poses forcing me to make payments while I was in school. I was always told payments are to be in derferment if the student is enrolled in a certain amount of credits for the semester. Well, I received emails telling me I was delinquent on payments, and how I needed to contact them right away. The emails told me payment was coming due because of the terms changing on my loan. I tried to call them to work out a plan a while back, but they told me they had no plans to fit my needs. All I constantly received was emails telling me the term for my loans have changed and I had to pay this amount by this date. This was unprofessional.
I went to the hospital and provided them with two forms of insurance. The hospital has both insurances on file yet their collections team posted two negative accounts on my credit reports. I called an asked why they said the hospital did not give them the second insurance information. I gave them the insurance information. They turned around and posted the same negative on my cresit report at another bureau. The numbers they have listed now go straight to voicemail and when I did speak to someone she advised they would removed the information after i gave the insurance information but that has not been done. I had this conversation in early XX/XX/2018. This is happening with XXXX XXXX XXXX for {$100.00} and {$62.00}. My secondary insurance was through the state medicaid department and the hospital is aware they can not accept a payment from the insurance company then bill a patient additional charges. I spoke to the representative at XXXX at Online collections  and informed her the accounts were updated. She told me they would not remove the negative information from my account until I paid it. I refuse to pay them for a bill I do not owe.
I was out of the USA from XX/XX/XXXX to XX/XX/2018. On XX/XX/XXXX, I found out online, there were many fraudulent transactions on my account, it started on XX/XX/2018. I called the bank right away to report the fraud, hoping that they will stop eight transactions made on XX/XX/XXXX which still on pending. She told me it takes ten business days to investigate the problem, so I wait. To my surprise, a few days later I see that the bank had let all the pending transactions went through regardless of my report fraud on XX/XX/XXXX. This problem happened to my husband 's debit card which he does not know if he has one, because I am the one who take care of banking matter, and we never use debit card to purchase anything from anyone. There is no one knows my husband 's debit card number, not even us but the bank, that makes me think whoever issue this debit card might cause this terrible thing to us. In six different date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The thief had made 24 fraudulent transactions, which some of them happened on the same day at the same place with a large amount of money. I don't see how the bank can overlook many suspicious signs like these?
On XX/XX/2018, the debt collection company known as Portfolio Recovery Associates based out of XXXX XXXX, Nevada spoke with a relative of mine on the telephone about a debt under my name that had been sold to their company for recovery. This relative brought this information up to me this morning, and even quoted the dollar amount owed, and told me the agent asked how she would like to pay today, as if she were me. I have not given anyone authorization to speak with anyone or on behalf of me about any debts under my name. I myself have never spoken to this company about any debts.
On XXXX XXXX, 2017, Equifax notified the public that it had been hacked and data from over 143 MILLION accounts had been stolen. This is data that should be protected with the utmost care, and the fact that all of the details stolen can be used to fraudulently impersonate others, this is a severe breach of trust with the public. I fear for my credit score and for all others affected by this. This is unacceptable and there need to be severe consequences!
Sirs, I recently tried 2 make a cash deposit 2 my XXXX mother 's acctXXXXChase.She recently reopened her acct there & cash gets immediate credit.The teller refused my deposit.I explained my mother was ill & needed the funds & that I make regular cash deposits twice/mo 4 her maintenance.They still refused cash & offered no resolution other than 2 say I could either B on the acct or bring a check.Requiring I B on my mother 's acct. is an invasion of her privacy & a violation of her 4th Amend. rights via Chase 's commitment to the government. It is also discrimination against the poor and the elderly. I asked why Chase imposed this policy & was told it was due 2 money laundering. Implying that the average customer is suspected by Chase of criminal activity.I 'm a retired banker & know the regs. Currency Transaction Report ( CTR ) information is for $ XXXX & I was depositing $ XXXX.I asked 2 speak 2 the branch mgr & the lead teller lied 2 me stating she was the mgr.So, I went back 2 my credit union a 2nd time 4 an official check.My credit union provided me w/a business card asking that the Chase representative phone 2 verify funds so my elderly mother could receive immediate credit.A XXXX Chase branch refused to verify funds & put a hold on {$50.00} of the $ XXXX.His explanation was Chase 's commitment 2 the government.What about the Chase commitment 2 its customer base ; taxpayers who bailed Chase out & customers Chase still has not yet repaid? The Chase commitment 2 the government impacts millions of elderly around the country who R dependent on their adult children 2 subsidize their income.Why should those adult children also B required to invade their parent 's privacy to assist them? Additionally, Social Security has not had a cost of living increase in 3 years! My mother & XXXX other Chase customers R being adversely impacted by the unreasonable Chase policy which is NOT the regulation or law but is a result of their own lack of oversight regarding their own employees within their own company. I also live in CO ; XXXX state.If money laundering had been the case ; I can assure U the deposit would have well exceeded $ XXXX.I do n't appreciate the implication that my XXXX year old mother & I are criminals nor do I appreciate the absolute lack a good judgement & common sense in customer care.I have destroyed my Chase credit card and mailed it to CEO XXXX with this information and will be suggesting to my XXXX mother that she move her account. This is difficult because of her age and XXXX. This is not common sense banking nor good customer service NOR IS IT THE REGULATION OR LAW.
A collection agency called Diversified Adjustment Service , Inc. has been calling and leaving voicemails indicating that they are a collection agency. These are neither XXXX nor XXXX based voicemails. The 3rd party collection representative states outright that they are a debt collector. There is no pause to allow me to stop the voicemail, no mini-miranda and nothing to try to verify they are calling the correct consumer. I have been a debt collector for over a decade and I know that these multiple voicemails, of which I have saved two of, violate the FDCPA.
To whom it may concern, I have been dealing with being unfairly treated by a collections agency by the name of Williams & Fudge Inc. for 4 years now. They refuse to work with me on reasonable terms of repayment and I feel I can never get out of this hole. I dropped out of college after my sophomore year because I had an outstanding balance of over {$12.00}. My single mother and I could not afford to pay back the amount in full. Loans were denied to us left and right. So with a heavy heart I joined the workforce. Due to no degree I could only get entry level jobs like XXXX, XXXX, and XXXX industry. My balance defaulted and eventually went to collections Williams and Fudge Inc., now I owe over {$16000.00}. I ca n't go back to school unless this balance is paid in full. I am currently an XXXX serving on XXXX XXXX and I believe I have additional rights with dealing with this collections agency. I have dreams of becoming a XXXX and this debt is holding me back.
This is where I am today with  XXXX    XXXX   XXXX  , Equifax   XXXX   XXXX  ,  XXXX    XXXX   XXXX   very frustrated. I called and told them this. I did not authorized these accounts. Same accounts have been unverified and there is NO Contract.     I also said dont know what else to do. When the representatives said to just keep calling the credit companies. So, I sent 609 letters to dispute felt a since of no worries but have sent two rounds of 609 letters. Ready to send a third round of letters.     I have called these companies ;  XXXX   XXXX   XXXX  {$300.00},   XXXX   XXXX   XXXX  {$400.00},   XXXX   XXXX   XXXX   XXXX  - {$310.00} and   XXXX   XXXX  - {$300.00}.  Reporting  closed  Collection  accounts but currently open and over credit limit by {$1.00}, derogatory remarks, late pay and a s Charge Offs/  Bad Debt . All negatively reporting.     It was stated in their responses to my  2 di spute letters that you have verified that the items listed are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. To show my signatures on Contracts. The fact they have ignored my request to send me copies of the documents that was used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said would happen.     Failure to delete and remove the disputed accounts that they cant verify after two written requests is also telling me the evidence of their willful disregard of  Federal Law.  The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and a  Court  will order you to delete them.     You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of  1681 ( a ) ( 4 ).      I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation o f Federal Law an d evidence of your willful disregard of the law.     Please be advised that under Section  611 ( 5 ) (  A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am requesting that they do this immediately.     The law is very clear as to the civil liability and the remedy available to me  ( Section 616 & 617 ) if you f ail to comply with  Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.     This is my complaint and demands.
Why is this account in my credit report? It was paid in full in 2013. XXXX is ruining my credit report!
This collector would not identify themselves or the purpose of their phone calls in any way until I verified my personal information, which I refused to do. I requested they discontinue contact until they were able to identify themselves, but the phone calls have continued. I was able to XXXX search the phone number, which is how I found out who was calling.
" Collection Agency '' - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX Telephone # XXXX XXXX has filed for the second time, an wrongful Lawsuit against myself ( XXXX XXXX ) of XXXX XXXX XXXX XXXX Florida XXXX - Telephone # XXXX XXXX. XXXX XXXX XXXX claims to be Representing the best interest 's of the Creditor - Citibank N.A. ( Goodyear ).
But in reality, they are being deceptive & have purchased by contract, for a unspecific amount of Funds, at pennies on the Dollar.
Thus releasing me from any further or future Obligation to my former Creditor ; upon being " Purchased '' /Transaction to XXXX XXXX XXXX XXXX which I might add ; without my knowledge or consent.
I never agreed to any terms or conditions with XXXX XXXX XXXX XXXX I am under " No '' Legal obligation to any collection agencies, and my written contract was with Citibank, N.A ( Goodyear ) only.
Furthermore, This is clearly violation of the " Fair Debt Practices Act '', that no collection agency, can filed a lawsuit against a consumer.
Respectfully Submitted.
Apparently the settlement resulting from their XX/XX/XXXX A lawsuit was n't enough for XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX ). Although the school was forced to pay out approximately {>= $1,000,000} in settlement for complaints leading all the way back to XX/XX/XXXX, it apparently did n't have any impact on XXXX. More recent lawsuits have been filed against XXXX XXXX as well as against lender Sallie Mae by former students who claim that hidden fees suddenly appeared on their loans after their terms changed without their agreement. One such former student stated he found that his already ridiculous loan totally XX/XX/XXXX had ballooned to over {$220000.00} when it defaulted and he became aware of the hidden terms and their changes in addition to unreasonable debt collection fees by collectors. 

Students were led to believe that they were pretty well guaranteed jobs upon graduation and students could expect to earn between $ XXXX-XXXX per year. Considering the median salary for waged photographers is more like {$25000.00} per year and that XXXX has a XXXX dropout rate, this was proven to be highly unlikely a result for graduates. XXXX also requires that students begin paying back their loans for tuition within 6 months of walking in the door. This means students going to school full time have to come up with loan payments on tuition of {$25000.00} per year while still attending and is contrary to the industry standard. Most schools defer loan payments until students have graduated and are out of the program for 6 months. While some individuals state this is in the fine print somewhere, for low-income students, many of which are the first in their family to attend university, the fine print was missed if it did exist. 

Investigators discovered that contrary to what XXXX was stating about their job placement and salary expectations, not one graduate from the program was even earning {$50000.00} per year, let alone anything beyond the lower amount. XXXX jobs paying those substantial figures involve additional skills like journalism or communications, business savvy, and connections to get. 

With XXXX XXXX signing up hundreds of XXXX students per year in a job market that does n't require that many placements, how on earth did they expect all these students to find jobs. Many graduating students found that the XXXX jobs they could get were the generic type at XXXX or XXXX XXXX centers, earned not much beyond minimum wage, and did n't require a degree in XXXX. Flooding the field with hundreds of graduates per year was unlikely to improve those job prospects any ... if the students managed to graduate that is. 

This school remains open and offers the identical classes, still has seriously overpriced tuition, and XXXX % or higher job placement success rates. Tuition for similar programs at community colleges and universities is generally less than half the price than this bloated school and its promises.
XXXX XXXX XX/XX/2017 Did a hard inquiry on my report and said I told them it was fine, I was shopping around for a lower rate but didnt talk to anyone or meet, said I would get up to 3 free offers and when I clicked on them they han it and didnt think they would do that. Talked to them and said well you did and we wont remove it.
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX ) XXXX XXXX  XXXX XXXX  XXXX
NationStar the company that holds my mortgage erroneously reported late payments on my mortgage and lowered my credit score to XXXX, when is XXXX
There was a discrepancy in the family as to who was paying a XXXX XXXX bill in XXXX of XXXX. After some deliberation, in XXXX XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX/XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by either the XXXX XXXX or another entity, not ourselves.
Portfilio Recovery is placing two accounts on my credit report that im not familiar with Account # XXXX and XXXX. Each time I ask for info on debt the send me past due bill and nothing show it belongs to me. They state they are from XXXX XXXX have not had an card with them.
I have not received my payroll via direct deposit. I always receive it on or one day prior to my pay date, and now, the American Express Serve company has not answered my concerns, or their phone lines regarding why my funds are not credited to my account. They are withholding my pay, and have not offered to reimburse me late fees for my bills, nor overdraft fees for my accounts. I am without any financial recompense, and do not have any money for food, bills or to commute to work. I have no estimated time when this issue will be resolved. i have filed a complaint with the XXXX as well. American Express is not responding to me.