WillisBack/dataset-financial-user-claim huggingface dataset:
I have ad repeated issues with the collection practices of XXXX XXXX from the moment I graduated from university. On XX/XX/XXXX, XXXX XXXX contacted my sister looking for me and she is not authorized on my account nor does she have a phone number listed on the account to by contacted. I called and made sure there was no phone numbers associated with my account that didnt need to bling there. XXXX XXXX representatives straight out refused to let me know where they got the numbers for my family from. At the time, my loan was less than 60 days past due at the time and I had been making payments every single month. 

This morning, XX/XX/2018, XXXX XXXX representatives called me at XXXX which is not within the scope of the law.
I moved in XXXX 2015, cancelled XXXX and returned equipment. XXXX soon sent me a bill for {$280.00}. i tried talking with XXXX supervisors, etc., that nothing was owed. They finally sent it to the credit bureaus ( late 2015 ) and I filed a dispute. Credit bureaus found XXXX ' claim not valid and cleared it off my credit history. I thought we were done with this but last week I received another notice from Allied-interstate. I feel like I 'm being intimidated into paying them to just go away. I 'd like this to stop. I let them know during the investigation I knew that they could be sued for {$1000.00} if the harassment continued, and it did stop for 9 months, but here we go again.
Earlier this year I experienced an issue logging into my credit card account on chase.com. Specifically, Chase required me to enter Identification Code that they could sent to my phone via text or a voice call or via an email message. When I requested the Identification Code to be sent to me via a text message, no text messages from Chase arrived to my phone number.

The feature of delivery Identification Code via a text message to access Chase credit services is widely advertised by Chase on its website and is available to other customers of Chase.

I had informed Chase via Secure Messaging system that no text messages from them were delivered to my mobile phone account. My mobile phone account is able to receive text messages and I have been receiving identification codes via text from other credit card companies without any issues.

Over a period of two months I had been communicating with Chase via their electronic Secure Messaging system trying to resolve the problem. Chase representatives repeatedly asked me to call their company phone number in order to resolve the issue. I repeatedly asked Chase what information it required from me in order to resolve the problem and was willing to provide any such information via electronic messaging system upon request. During the two month period of me conducting communications with Chase in writing I never received from Chase any requests for any specific information related to the issue.

It appears that the sole fact of them speaking directly to me over the phone was their requirement in order to provide me with the same level of service as they provide other customers. Chase never provided me any other reason why my account is adversely affected. 

In XX/XX/2018, Chase informed me that they will no longer be communicating with me via Secure Messaging system on their website. Subsequently I contacted Chase about additional issues restricting my use of their website and my requests were left without a response from Chase.
I do not owe XXXX XXXX {$500.00}. I would like to dispute this charge. I am wiling to settle the debt for less than that amount. I would settle for {$200.00} and a payment plan. Please let me know if you can help with this, thank you.
I applied for a HELOC with US Bank Mortgage Division at the end of XXXX. I strongly believe my loan request has not been given proper attention. I am a single woman and this may be a fair lending issue. Below is a timeline of the transactions : Disclosures printed XXXX15I provided the bank with all requested information by XXXX/XXXX/15. 
The appraisal was completed on XXXX/XXXX/15. 
On XXXX/XXXX/15 I was asked to submit additional income information, which was submitted on XXXX/XXXX/15. 
On XXXX/XXXX/15 I received a denial of the original request for $ XXXX with a counteroffer of $ XXXX. I called to accept and no one returned my call. I emailed my lender and shedid not return my email. After several days of no response I called the supervisor who didid not return my call but had the lender call me. The lender said it was still inunderwriting and the letter sent was just a letter they send out and not an actualapproval. She would let me know when it was approved. I returned the offer letter via certified mail with receipt by the bank on XXXX/XXXX/15. 
On XXXX/XXXX/15 my lender notified me to have my insurance add them as the second mortgage on my insurance. My insurance agent complied. I asked the lender when we were closing as they are adding a second mortgage to my insurance. She said I wasstill not approved. 
On XXXX/XXXX/15 I requested a status on my loan and my lender said she would check andlet me know. 
On XXXX/XXXX/15 I was determined to get someone, other than my lender, to talk to me and after being on hold for 40 minutes was transferred to my. lender. She said she would look into the status. Later the same day I received an email telling me I did not qualify and would have to payoff my car loan in order to get the loan. I replied stating the car loan had not changed nor did my income from the date I received an approval. 
So after 72 days from the day of disclosure the bank is denying me on income which was in their hands on 9 days after the day of disclosure. I believe this is a violation of Reg B requiring banks to notify customers of a denial within 30 days of a completed application. In addition they provided a letter of approval for $ XXXX and are now saying that letter was not valid. I have documentation and emails to verify all of the above information.
I have applied for a mortgage loan with the XXXX XXXX XXXX XXXX XXXX and they are requesting that a collection item on my credit report for {$280.00} reported by Coast to Coast XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX be disputed/resolved before I can close on my loan. I attempted to access my credit reports through XXXX. I was able to access the XXXX  and XXXX   sites but I could not access the XXXX site. The fraudulent item was not on the two sites that I could access so it must be on the XXXX  site. I have attempted to access their site with no luck. The phone number on the site only allows you to order the report through the mail which I have done but it can take up to 15 days to receive and not sure how I will be able to dispute the item if I can not access online? They are reporting fraudulent activity on me and I can not access their site to resolve this issue. This is holding up my mortgage loan and I am reporting XXXX   and Coast to Coast to the CFPB to have this fraudulent item removed from my credit report and be able to close on my mortgage loan.
I looked on my credit report and seen a credit inquiry on  XXXX   XXXX     2016  from  XXXX  that I did n't authorize
On XX/XX/2018 I received a phone call from XXXX at XXXX XXXX in XXXX, Oklahoma where I currently have a loan. As they do every month, she called to offer additional funds if I wanted to come in and renew my loan. This time I decided to follow up on the offer. I went into the store. I made it very clear to XXXX that I did not want my credit run again as we were beginning the process of buying a home. XXXX advised that because I was renewing that my credit would not be run again. There would be NO hard inquiry. I ended up not getting the loan renewed that day. 
However, just a few days later on XX/XX/XXXX I learned that my credit had been run anyway and that a hard inquiry was made. I called XXXX to advise her of this and she apologized and said no that she had not run my credit. I advised that was not true because my credit monitoring had picked it up the inquiry. She advised that she would call the main office and get back to me. XXXX called back that day and again apologized and said that changes were made in the system and was told by the main office that because of this my credit had been run again. However, she stated that was in error and she advised that the FCRA Team at the main office told her that they would have it submitted for removal within 72 hours. She stated that she would call me that following Monday to confirm. She never called. Fast forward to over a month later and today on XX/XX/18 I called XXXX and asked why she never called me back. She apologized and said that she has been so busy over the past several weeks that she didnt have time to call. She stated that she was sent a letter from the main office and was told that the new procedure was that the system would pull a hard inquiry even though " they '' in the office are saying otherwise. She advised that she will get back with their main office but says she can not force them to do this removal.
It all started yesterday when I receiving an email that stated : After careful review, we determined this account needed to be closed, effective XXXX/XXXX/2016. 
We apologize for any inconvenience this may cause. 
I immediately called and was stunned to find out that the email was genuine, and that my account truly was terminated without cause or notice. 

The initial reason I was given was that the account was closed for security reasons due to 6 months of inactivity. That seemed like an easy fix, but the agent was unable to resolve it and had to transfer to another department. There I was asked a lot of questions and was eventually told that they were not going to do anything about it and a letter was coming in the mail. I went on to speak to many different credit analysts, all who asked me a lot off questions and responded with the same answer ... sorry, but you 're not getting your credit line back. 
It was clear that Bank of America had an agenda to steal my {$35000.00} in working capital under false and unethical pretense, Its systematically closing customer accounts for XXXX reasons in order to commit theft. 

And despite my pleading that this would seriously derail my business, and that I may have to lay off employees due to inability to cover payroll, or lose business due to inability to provision for the upcoming holiday seasonality rush ... they could have cared less. 

What makes matters even worse, is that I 've been a customer of this bank for decades ... and have a perfect record with them. I 'm the type of loyal model customer any business wants to have - which each agent I spoke with acknowledged each time. So its absolutely terrifying that if they are steeling from me with a 'whatever ... you 're not getting it back ' attitude as to how this is going to impact my ability to stay in business ... then you have to ask yourself .... Just how many other, smaller guys are they doing this to right now as well ... who are not model account holders with decades of loyalty and spotless records?????
I have an auto loan with USAA and I chose auto pay and the payments began to default. I was unaware of this. USAA sid they sent out mail but I never received it as i have not been home. I have n't received ANY phone calls. Not one. I was notified by XXXX that my car payment went up and my credit report went down XXXX points. USAA claim to work in the XXXX favor. How is this working in my favor or best interest. My credit is being ruined by the very people that exist because I do. I was charged XXXX dollar late fees and my XXXX credit score ruined. When i called I spoke with 6 different departments in 2 days ( transfered ) and no one was willing to help. That is why I asked for a supervisor. No one is willing to remove the derogatory information reported on my credit report. Again no one tried to call me. Where does the Sailor Soldiers Relief Act come in to play? They do n't k ow if i was deployed or not. They did n't even try to find out either. They did the same thing when they denied my VA loan stating that i did n't fit criteria because i was n't going to occupy the residence within 60 days BUT for and active duty member it 's occupy within 6 months. Well my credit report was effected then too. I missed the house and my credit took a hit because they denied the loan and chose not to listen or research the information they were giving out. When i called and corrected them i received an apology and was told to reapply. The damage was already done. This is negligence and no consideration at all. Hassle free has been nothing but a hassle the past 365 days. Losing trust bad. They to nothing and do n't try and assist after the mistake was pointed out.
Capital One is reporting on my XXXX Report that the account was closed with a Balance Due ( {$4600.00} ). The balance was paid in full several months ago, but they are still reporting it is due. Account was closed by Capital One about two weeks ago. I contacted Capital One and they agreed there was a XXXX balance, and said the error is with XXXX. I contacted XXXX, and they said that the error is with Capital one. No one wants to accept blame and they are point fingers at each other.
In XXXX, I had a vehicle repossessed due to a late payment. They just came and took the vehicle so I thought that the matter was closed. Now, XXXX years after the fact, this 'collection agency ' continues to call at all times of day, all days of the week. I 've blocked their number and all they do is use another number. They 've used at least XXXX different numbers and my block list is now filled. I 've even gone so far as to have my number changed and had it unlisted and unregistered. Despite this, they somehow were able to get my new number. The statute of limitations has long past and I 've told them directly that I have no intention of paying them a dime. Checking their record on 'reverse yellow pages ', apparently mine is not an isolated case. Their practice extends to XXXX of people in nearly every State. Please SHUT THEM DOWN. Thank you.
For almost an entire year, I 've been trying to work with Experian to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Experian is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX    from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Experian because this is not the information I receive when I contact these companies individually. For months, Experian has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.
Send out 2 section 609 letter company refuse to comply with credit reporting law copy of letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX Name of Account Account 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 acquired my federal XXXX school student loans from XXXX and took the opportunity to remove the 2 % discount afforded to my loan repayments, because of auto debit. I called them out on this 4x and also filed a complaint with the XXXX office and still to this day, XXXX can not confirm how much in interest they have overcharged me in acquiring and handling my loans. 

I want a full and immediate refund of the interest charged on my loans. 

Also, what legal remedies do I have for this? I believe XXXX has institutionalized a criminal act and is probably overcharging interest on thousands of other student loans.
The information for the collection agency as it appears on my credit report. I have tried to contact the company by US Mail to settle the debt. They have not responded and there is no contact phone number. 

Creditor Information EOS CCA XXXX XXXX XXXX XXXX, MA XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On XX/XX/XXXX, Greentree Servicing foreclosed on my residence. They provided me with a XXXX at that time. On XX/XX/XXXX, the house was sold to a private party. I have yet to be given a XXXX. When I checked my credit report, they were reporting it as an active mortgage with a balance of {$120000.00}. I contacted them via email requesting that they provide me with the XXXX. They followed up with a XXXX showing no interest paid XX/XX/XXXX. I contacted Senator XXXX XXXX 's office and they sent a letter on my behalf. Once again, Greentree Servicing sent me a XXXX. After the contacts, they have changed the status and dollar amount on my credit report. They are now showing it as " open - collection/charge off '' with a balance of {$100000.00}.
Today at XXXX XXXX XXXX from Franklin Collections called me for {$360.00} for XXXX XXXX XXXX XXXX. She stated its {$150.00} for equipment and services back in XXXX. She also stated that its going to hit my credit if I didnt pay. The equipment was returned to XXXX in XXXX and they have acknowledged this in XXXX. I told her this and the fact that I currently have XXXX. She began to lie and refused to give me the address to her company. She the retracted her statement and stated she said it was pending to hit my credit. XXXX refused to give me the account number associated with her company and the address. She went as far as to place me on hold to take another call and refused several times to give me the information. This matter was resolved almost five years ago. I currently have their services. XXXX then began to make up lies of me having to pay a fee to get services. I had to ask several times for the address, account number, and for this fraudulent collection to be sent in writing.
At the time of the loan transfer in XXXX XXXX, I requested to pay the property taxes annually. Many months later it could still not be resolved. This issues has continued as our mortgage was sold from XXXX to Nationstar to Mr. Cooper. On XXXX XXXX, XXXX, a CFPB complaint about payment amounts due to switching onto the annual plan and new company was resolved and I was told that I could switch to paying the property taxes annually. My new escrow payments were based on paying annually. On XXXX XXXX, XXXX I emailed the previous CFPB resolution attachments to Mr. Cooper staff showing that the taxes were paid semi-annually, when they were  supposed to be paid annually and that my money was sitting in the escrow account in a surplus. I was told it would be resolved, then told the county said I ca n't switch, told numerous times that I would get a call back and this would be resolved. Every time I have called the county they told me it is illegal for my insurance company to deny my request to pay annually and offered to do conference calls, finally I was told I had an option to go pay the taxes myself and request a surplus check from the mortgage company. I want to be put on the annual property tax payment plan. It should not take 2.5 years of mortgage companies making interest on my funds and refusing/lying about switching my tax payments. I was told that if I paid the {$1000.00} shortage and had a county bill with the annual tax amount, I could be switched to the annual payment. I paid the shortage in XXXX and in XXXX XXXX, I just a refund check for the surplus instead of paying the taxes. I was told that my request was denied by a supervisor on XXXX/XXXX/XXXX.
In the last few months of  XX/XX/XXXX ,  XXXX   XXXX  raised our monthly payment for account #  XXXX  by approximately {$45.00} for no apparent reason. Our service had not changed for years, and we had a bundled phone line that ( 1 ) was supposed to reduce our payment and was suggested by them and (  2 ) had never been used one time  in the 4 years that we had it. Because of this mystery rate increase, we were advised by  XXXX  to remove the phone line from our account, which made sense to us, so we agreed.  XXXX  was never able to accomplish their side of the agreement and the extra charges continued to  two more month. After three long phone calls, with no success, we decided that the  only way to stop these charges was to close the account completely, which we did. Our final bill was for {$51.00} and after trying unsuccessfully 3 times to pay it on the website, the same way we always paid our bill, I mailed a check, which cleared the bank on  XX/XX/XXXX  ( see attached ). I 've been receiving threatening mail from  Credit Protection Association, L.P. ( see attached ) ever since that time,  even though I 've given this information over the phone and mailed copies to them directly. This company does not offer an email address that would allow me to document this correspondence. We want this harassment to stop without our credit being effected. We did not owe the money to begin with, but we paid it to get  XXXX  to stop bothering us about it and that did n't work either.