WillisBack/dataset-financial-user-claim huggingface dataset:
I had a store credit card debt through Best Buy but i run into trouble paying the charges so the company made payment arrangement and froze interest charges. As part of the arrangement I monthly payments was to be by auto direct payments form my check-in account. 

I lost my job there after and direct auto payments form check-in account were returned and arrangements on the payments could not be honored. I also I incurred returned fee charges on my bank account. 

I started receiving bills with charges greater than agreed so I sent email to inquire about the charges but never got a response. I was earnestly intent on resolving the issue but never got a response. 

The debt was transferred to XXXX XXXX XXXX and I disputed the amount claimed. They sent me details of accumulated interest charges so that the claim now it far more that the balance agreed and over a XXXX dollars more that the initial principal amount of charge. 

I am frustrated that I cant get Citi Bank to resolve the issue and I have to deal with the debt collector. 

As of now they have filed a claim against me at the Small Claims Court so I want to be able to resolve the principal amount of the debt with Citi BAnk.
On XXXX/XXXX/16, I received a phone call on my personal cell from XXXX XXXX with National Processing in regards to a checking a credit reference for a gentleman named XXXX XXXX I did n't know personally. I indicated that I was not sure who she was talking about and I was not vouching for someone I did n't know or had given permission to use me as a reference. I indicated to XXXX XXXX that me being listed as his reference could be a mistake because my son, who shares the same first and last name with me, did have a friend who I vaguely remember under a similar name but I was n't sure. How he got my cell number is unknown to me. But she acted as if I was blowing her off and told me in a nasty voice that I should n't let people list me as a reference then! I asked her not to call me again regarding this again and hung up. Today on XX/XX/2016 at XXXX, XXXX XXXX calls me back on my cell and leaves a message for me to return her call by XXXX today regarding a check case with XXXX XXXX XXXX or the case would be turned over to the XXXX County DA and I would be deposed for a deposition regarding his case. So I immediately called back and opened the conversation by stating my name and I was returning her call and gave her the case number upon request which she left on the message. She then asked if this was me and I indicated that I just told you my name at the top of the conversation so why are you asking again? She responded angrily that I was getting smart with her and did not have to deal with me. I called back and she hung up on me. I called back and another lady answered and I asked her to nicely tell XXXX XXXX that I am not associated with XXXX XXXX and to please not call me and that I would be filing a complaint. She said she would. My complaint is that the company 's tactics are unethical and unruly to contact me and falsely make me think that they were initially checking a credit reference and yet they are really a collection agency. I have clearly asked this company to stop calling and harassing me over this man 's account and yet they still persist in doing so. I want this harassing action to cease and take whatever action against this company that the law allows. Thank you!
The loan was originally with ECMC. I consolidated the loan to my fedloan account back in XXXX of last year. XXXX confirms that the consolidation was completed and that a check for XXXX was sent to ECMC on XXXX. ECMC turned the loan over to XXXX after they had receieved tha payoff from XXXX ( Acount NUmber XXXX ). I have worked with XXXX, ECMC and XXXX to in an attempt to resolve the issue. XXXX indicated that it is up to me to get ECMC to turnover the funds from XXXX to them, XXXX is indicating that they have reached out to ECMC to get them to return the funds but have not been successful to date. I can not afford to pay both XXXX and XXXX for the loan. ECMC needs to return the funds to XXXX so they can pay XXXX.
my bank is calling me day and night up to XXXX times a day. I am NOT behind on my mortgage. yet they harrass me on the tele. i am ill- i am XXXX they are disturbing my rest and making me ill with anxiety.
I received notice from a credit bureau reporting system that my credit report was changed. When I investigated the I found a collection notice from a company called Security Credit Services for a rental/leasing loan that I did not take out. It was for {$1800.00}. I called them to ask to have it removed and they told me they could n't. I never receive any notification from anyone that this loan was owed which is n't surprising since the address, birth date, email address etc related to their account are not mine. Furthermore, the loan was opened in my maiden name which has n't been used in over 22 years. They are supposed to be sending me an affidavit to be returned with a police report, but they would n't tell me who the loan was actually with originally and that 's required for the police report.
GLA has been trying to collect on  XXXX  accounts from  XXXX   XXXX  that I do not owe.  XXXX  account was for {$100.00}  (  which was a   XXXX   XXXX   that my insurance covered ). The  XXXX  balance was also covered under insurance, but I also made an agreement that in exchange for the check they sent they would delete the {$34.00} balance from my credit reports and show that it was paid in full.
Last week I was contacted by a debt collection agency by the name of  XXXX   XXXX   XXXX ,  XXXX  and told that they had a debt of {$150.00} that I owed Fifth Third Bank. I asked for proof of the debt and they sent me an email that was their own statement. I have asked for proof that I ow ed Fifth Third Bank anything and they told me that the email was all they had. I have been called upwards of 20 times in a day various number in an attempt to annoy me. I have asked them to send me proof and they still have not. Today I told them to stop calling me and hung up. The company called right back and said they would take other actions to get the debt. If Fifth Third contacts me with proof of the debt then I will pay the debt.
I obtained my credit report and It shows I have a debt of {$110.00}. I had a zero balance on this card and I thought the card was closed. I called to try and dispute the debt. I got in contact with XXXX ... I just wanted the information to dispute the debt. I told him that I am recording the call also and he hung up in my face. I called back and received XXXX again to dispute the file. He said that I came to them for the card and that is the reason that I ca n't record him. I asked for his XXXX and he said no. If I did n't like the rules he can forward me to the XXXX vice president and I can complain to him. I am disputing this debt and I asked him for the information in which to dispute the debt.. He hung up in my face again.
There has been an error on my credit report regarding a Chapter XXXX Bankruptcy on my credit and I have never filled Bankruptcy of any kind.
XXXX XXXX XXXX are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with Experian, XXXX and XXXX and also sent XXXX XXXX XXXX debt validation in which XXXX XXXX XXXX has not responded.
XXXX XXXX has issued a fraudulent collection bill. The company EOS XXXX is attempting to collect and has been unable to provide any debt validation. They continue to add and remove the account from credit reporting, despite their inability to validate the debt and provide the documents I have requested on multiple occasions. The response I received is vague, and in no way debt validation. I have attached my request, sent XXXX XXXX and the inappropriate response I received from EOS XXXX
I have disputed a judgment on my credit report twice for XXXX XXXX in the amount of {$1100.00}. I have provided Equifax a copy of the alleged judgment against me that shows a different person 's name and a different amount. Despite sending this information twice to Equifax they have repeatedly stated that they have verified this account and it belongs to me in their investigation results. I contacted Equifax directly at XXXX on XXXX XXXX, 2016 and spoke with XXXX in customer service regarding the dispute results for the most recent investigation. I asked the representative what information they had received from the XXXX County Courthouse or original creditor to prove that his account was mine and his response was he did not know. He then stated that he would send it back for " re-investigation '', I asked what where going to do when they review it again, he again stated that he did not know. I asked him did he have a copy of the information that they received to verify this account and he said that he did not have access to that information. He also stated that he could not tell me what would be done differently and that was all he would be able to do for me.
I have sent information to XXXX on several occassions regarding a home that I sold in XX/XX/XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( XXXX ) states that a creditor received a deed ( CRD  ) what creditor.Foreclosed I have never lost a house as XXXX XXXX XXXX was paid and also requested XXXX  and to take the word Foreclosure off my record. That was done by XXXX   XXXX  @ Executive Mortgage Complaints Office of Executive Complaints XXXXXXXX XXXX XXXX, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX  and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX   requested 4 times and 4 times for what as XXXX had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX on XX/XX/XXXX reference number # XXXX. XXXX XXXX phone # XXXX. ( XXXX I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and XXXX  says that they have no number. Come on The IRS.And XXXX  Inquiry on XX/XX/XXXX for what?.
Upon careful review of my credit reports I found a collection agency attempting to collect a debt without providing me any written or verbal communication to dispute this item. I have no knowledge of this said debt nor did I open account with this company or the company they are trying to collect for. No contract.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt.  Below are a few questions, which may help you to resolve these mistakes.   <P/> You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.  <P/> In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account.
For over 6 months we were trying to get answers as to why so much money {$1500.00} was going into our escrow account. It exceeded our yearly payments by {$5800.00}. At XXXX point our escrow balance was over {$12000.00}, with XXXX continuing to be added each month, our yearly payments from escrow are {$13000.00}. We asked for an escrow analysis and never received XXXX, never received calls back and would never get any answers to any questions when we called etc.. We also believe we were over charged a number of times with PMI , it was taken out XXXX in XXXX of 2015 at {$240.00} each when PMI is supposed to be paid XXXX a month. We do n't have much paperwork because any time we requested it, it is not sent or is sent missing information. Our mortgage was raised to a large amount a month {$3100.00} and no one could explain why. We believe Ocwen Loan Servicing , LLC broke laws in regards to escrow and has stolen money from us by overcharging PMI and taking our money within the escrow account. Once we really started calling daily we were sold to a new company, XXXX. However when we received our escrow closing statement it only included two months in it, not all 12 months like it should have. On the closing statement it shows the PMI being taken out XXXX in XXXX month ( XXXX ), who knows how many other months this has occurred.
i did not authorize this company or any affiliates to pull or inquire on my credit report. I did not request service or nor did I try to obtain service with said company. I called company sent a letter as well as the XXXX XXXX XXXX XXXX. Please correct and remove the inquire off my report.
I moved in to my rental due to finical problem found out later it was Identify theft. I started a home modification in XXXX. it took 5 months for the go-ahead. They kept asking for the same paperwork I gave in the beginning. I made the 3 payments in a row. All the while I was getting foreclosure notices ocwen said disregard there not valid. I got a few and called in not valid do n't worry. So the payment where done. I received the paper work upon receiving I was rushed hurry get them back. Upon ready there was a balloon payment of {$27000.00}. the loan started at XXXX paid for 13 years XXXX and financed XXXX just to have a balloon of XXXX. They tried to sneak in. I called in and it was interest on interest. I denied and was goanna refi only to find out it was foreclosed on in XXXX so the lender would not touch. So now I 'm about to be kicked out. And the Kicker is there to blame for the Identify theft. They let some one assign themselves as account manager XXXX on my loans and they switched it around so I did not have access to my own account got. I Finally got the account back and had it done again in XX/XX/XXXX I was at a loss of how someone not on the loan could do that. I had to fight to get the account only to be months behind. I had to fight to get on like they where not my loans
I sold my house and closing took place on XXXX/XXXX/15. CCO received payoff and applied money to pay off my loan. They allegedly sent my escrow refund on XXXX/XXXX/15. XXXX calls and XXXX different answers, where the last person said they were n't even sure if it went out. Received documents dated XXXX/XXXX/15 saying my loan was paid and closed. It is now XXXX/XXXX/15, and they now say i have to wait for an affidavit to sign and mail back saying I wo n't cash the check. Only then will they reissue the check. They are collecting interest on my money. They refused to allow me to speak with a supervisor. They refused to send the affidavit prior to 30 days after the alleged issuance of the check even though it clearly was not going to be received.
My bank is wells fargo. I feel like they are setting me up to fail. I am in short sale process. I have complied with all requested information. They said I have 90 days to get a contract for sale or they will forclose. I worked with an agent. I got an offer on home that is XXXX dollars under what I owe. With colsing cost it will be about XXXX short. Were I live there are about XXXX homes for sale and only XXXX buyers. I submitted offer and they are telling me and my agent that we can not talk to loan short sale processor. I have to go through a liquidation advisor who never returns my call. When he does not return calls I have to talk with someone in the central pool. Now they are telling me that they have 90 days to respond to offer but if I do n't get the bank to sign off on this deal by end of the week the buyer will walk away. It is a very fair offer and I will most likely not get another. While I am trying to get this offer approved they are progressing with foreclosure and one department does not know what the other is doing. I have to move out of home in a month. I will not be able to keep utilities on. XXXX will adversely effect the house if I shut off utilities. They are making it impossible for me and feel that they are pressuring me to just sign home back to bank. Please help
THE ALLEGED ACCOUNT WITH CONTRACT CALLERS INC WAS PLACED ON MY CREDIT FILE AFTER THE ACCOUNT WAS PROVEN NOT TO BE MY ACCOUNT FROM TWO PREVIOUS COLLECTION AGENCY XXXX  AND XXXX XXXX XXXX XXXXXXXX BACK IN 2016 THEREFORE THE ACCOUNT IS NOT VALID AND HAS NOT PROVEN THAT THE ACCOUNT IS MY ACCOUNT AND NEED TO CEASE WITH COLLECTION ON A FALSE ACCOUNT. I HAVE REACHED OUT REPEATEDLY TO CONTRACT CALLERS TO VERIFY THE ACCOUNT AS BELONGING TO ME BUT WITH NO VALE.
On XX/XX/XXXX I noticed my credit score had dropped nearly 150 points and my credit limit on my XXXX  credit card had been reduced from {$2000.00} to {$200.00}. I called them and they said Id had a delinquent balance of about {$9.00} beginning in XXXX of this year when I thought I had paid it. Between then and now I did not once receive any notification from XXXX that I had a balance. Nor did I recieve notification that my credit limit had changed. I have not used my card for several months as I rarely visit XXXX  stores and I had gift cards so I didnt need to use my credit card.
I have disputed the late payments XXXX XXXX and XXXX XXXX XXXX XXXX on accounts for months..Credit Bureaus also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I received a call from XXXX Santandar at XXXX I was under the impression they are not to call after XXXX my time. It was inconvenient and the man spoke too fast I could n't get his name. 
I was already in bed when he called, thinking it was an emergency from my kids. 
We should n't have to be bothered that late at night.
DISCOVERCARD IS ALLOWING   XXXX   TO BLOCK  DISCOVER APPLICATION ELECTRONICALLY AND BOTH ARE VIOLATING SEVERAL CONSUMER LAWS, LIKE THE : DODD-FRANK ACT.
I submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.
On XX/XX/XXXX two fraudulent charges were made on my account at XXXX XXXX totaling {$110.00}. Bank of America immediately credited my account on XX/XX/XXXXfor these charges, HOWEVER they have since rescinded these credits through multiple transactions.
When I initially contacted BofA on XX/XX/XXXX I was told their system automatically debited my account as I was refunded money from XXXX XXXX, but the refunds I have received from XXXX XXXX  are not related to the two fraudulent charges. I have made no effort to recoup the fraudulent charges from XXXX XXXX.
Additional detail provided in the attached excel file.
I have contacted BofA a minimum of 4 times to resolve this error and as of XX/XX/XXXX BofA has actually debited my account for MORE than the initial fraud claim totaling {$140.00}.
The final transactions that are posted incorrectly to my account are : XX/XX/XXXX : Fraud Dispute {$38.00} XX/XX/XXXX : Accounting Error {$64.00}XX/XX/XXXX : Systom Error {$38.00}
After XXXX bounced payment in early XXXX XXXX, American Express did not notify me that it was doing an audit of my account. Then, without notice of a delinquent payment or a review pending, it reduced my limit on XXXX/XXXX/XXXX by {$1500.00}. I am not aware of any contractual provision that allows them to do that. I suspect a possible breach of contract, unconscionability and breach of duty of good faith and fair dealing for this unilateral action. 

I then called the following day ( today ) to restore my credit. They said over the phone ( XXXX # XXXX ) that if I paid {$2900.00}, that my limit would be automatically restored within 30 business days. I accepted their offer and made the payment to try to restore my credit. I then found out that they would not be able to do so by the time the reduction would be reported to the credit bureau. I asked her to escalate or accelerate that process and she said that there was no such process and that no such process exists. I then spoke with her supervisor who affirmed the same. This turned out to be false and misleading statement from a credit agency as I later found out that escalation is in fact possible. 

I then asked the credit bureau reporting division of American Express what I could do and they said that whatever was current as of XXXX XXXX, XXXX, that that would be what is reported to the agency. So, to try to reduce the damage to my account, I paid the entire balance and closed the account. I then called to confirm that this is what would be reported to the bureau ( rather than the reduction in limit ) and they informed me that the newly assessed limit would be reported, together with the closure. I told them that I was promised that the limit would be increased if I made the payment and they sent me back to the credit lending department. That department agreed to escalate the matter and adhere to their agreement to increase my credit limit if and only if I re-opened my account. But that was not a term that I had agreed to. In fact, there was no mention of keeping the account open when the offer to accept payment and re-increase my limit was made. They then offered to escalate ( previously denied ) if and only if I re-opened the account. That is to say, they would only honor their promise if I agreed to re-apply for the same exact credit card and submit to a credit check. This appears to me to be a breach of a duty of good faith a fair dealing, breach of an oral agreement, and misrepresentation.
CREDIT CONTROL MADE ME APAY AN INCORRECT AMOUNT THAT WAS OWED AND PUT IT ON MY CREDIT ALTHOUGH I PAID THIS OFF. I WAS BEING TOLD NUMEROUS OF TIMES THAT THIS XXXX WAS MY BALANCE OWED. I REPEATEDLY TOLD THEM THAT THIS WAS NOT WHAT I WAS OWED. TEY INSISTED. EVERYTIME THEY CALLED I DIDNT HAVE THE BILL BECAUSE I WAS AT WORK AND DIDNT HAVE TIME TO LOOK FOR IT BUT NOW ITS BEEN FOUDN AND AS YOU CAN SEE I WAS FORCED TO PAY AN INCORRECT AMOUNT AND THEY STILL PUT IN ON MY CREDIT AND MADE ME PAY THE INCORRECT AMOUNT IN FULL. I WANT MY MONEY BACK OWED AND THIS " COLLECTION '' TO BE REMOVED FROM MY CREDIT REPORTS ASAP OR I WILL TAKE FURTHER ACTIONS AND REPORT THEM TO THE XXXX.
This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$450.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.