WillisBack/dataset-financial-user-claim huggingface dataset:
On Monday, XXXX XXXX, I received a call from XXXX XXXX requesting a return call at XXXX in regards to a debt. The message stated that documents would be filed within 48 hours if no response was received. I called back and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX and was told that the name of their company is Nationwide Intermediary Services. They stated that the reason for the call was because they had received a debt to mediate from XXXX XXXX XXXX and they provided me with the case number, original debtor and value of the debt. 

At this time, I asked them what my options were to repay the debt and they said that I could make arrangements but it could only be done with my debit card, checking account, or prepaid card. At that point, I set up an arrangement with them but let them know that I would need something in writing with their companies name, address and confirmation that these payments would be applied to the debt that they stated. They said they would prefer to email me the letter but I explained to them that email is not valid and requested a hard copy be mailed to my address and confirmed the physical address for them. They agreed and let me know that it would take XXXX days to receive the paperwork. 

At this point ( six business days later XXXX, I have not seen anything in the mail, nor have I received any additional phone calls from them. I can not confirm whether this company is authorized to collect on this debt, or if I am being scammed. My first payment is scheduled for XXXX/XXXX/15 but I will not be loading my prepaid card with funds until they send me valid documentation for my records. 

I have been the victim of these scams before so I will not be sending any funds to this company without receiving the requested mailing with account resolution information included.
I received a email from this Agancy Voss & Klein collection agency, who I have no idea how they got my email address. The bill was XXXX $ however the bill from the dental office was only XXXX $ which I received a statement 1 week before the collection agency emailed me. I felt this company is illegally billing which they did last yes when I paid XXXX $ for a XXXX $ debt from the sane dental office. And would n't except a settlement amount from me when I asked for one. Please investigate this company. I pay my bill if their when the law and this bill is not.
I have an account opened in my name on XX/XX/2015. For the company XXXX. I have no recolection of an account, telephones and or authorizing for an account. I had no idea if this account until i became a member of XXXX XXXX. I filed a report with the credit agency XXXX they claim it is mine but i have not one piece of documentation of anything on this account, not an address, account number, or location of the account activation. So it is in collections for the amount of {$1600.00} opened XX/XX/2015, with diversified consultants inc. XXXX XXXX XXXX XXXX , fl XXXX. It is on my XXXX   report also
An unkown friend put money into my account. I could not identify the source, the bank took my money. 
The bank does not know where the money came from. 
I want my money back.
On XXXX XXXX, I made a payment of {$35.00} and on XXXX XXXX I made the final payment of {$41.00}. The company is DCI ( Differsified Consultants INC ). The original creditor was XXXX. I want them to send to credit bureau that account is paid so my XXXX credit report shows as paid. And to send me a statement that account has been paid.
XXXX XXXX XXXX was discharged in my bankruptcy but as soon as my bankruptcy was completed and closed, I started to receive letters from XXXX XXXX, Account Manager of Financial Recovery Services , Inc. XXXX XXXX XXXX, XXXX , MN XXXX, XXXX trying to recover payment ( overnight to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX ). Financial Recovery Services , Inc. lists the current creditor as XXXX XXXX XXXX and the original creditor as XXXX XXXX XXXX XXXX. I responded advising that this debt was discharged in bankruptcy via mail. I have tried numerous times to reach the toll free number of XXXX -- XXXX but there is never anyone to answer and the voicemail is full.
There are accounts listed that DO NOT BELONG TO ME I have disputed and they still remain XXXX XXXX # XXXX Never took an account out with this company, this is someone else 's XXXX XXXX # XXXX No balance is past due or owed, remove this mistake
I have contacted Santander trying to resolve this matter for years now. I was scammed with this vehicle as it was a lemon crashed and fixed sold as new. I had this car repossessed due to Finamcial Issues and was given an offer for {$300.00} but they refuse to after payment is complete remove the negative information. This is incorrect as I asked for a pay for deletion. This balance of XXXX is due to fees and all this other miscellaneous stuff they have added on which is unfair to me due to the circumstances of how this all ended.
Pioneer Credit Recovery keeps calling my mobile from phone number XXXX and leaving voicemails. They do n't seem to have any information on me yet they continue to call every day, I am positive this is a scam.
As a Wells Fargo Business Client - I requested information on options for my company. I was asked to validate annual sales and deposits - instead of a structured solution - the Wells Fargo representative XXXXXXXXXXXX pulled my credit and declined the loan without a structure, a consultation, or worse yet - he did this without my written, verbal, or electronic permission. I stated in the email response to him that I wanted a structured idea of what i needed to do - I am am LLC that might switch to an XXXX XXXX, I have {$120000.00} in home equity and wanted to start a line of credit for my 8 year old company. I asked for options and this over zealous loan officer broke the trust and the law by making an unauthorized application in my name/company name. 

I complained to the bank and got the run around that it was a misunderstanding and that they were sorry i was mad. 

The reason for this attempt is that I am a US Based Small business - we have never bounced a check, never had a complaint and when Wells Fargo turned us down two years ago for a line of credit, we opened a Junk Mail and applied for a line of credit in New Jersey - they gave us {$70000.00} in 24 hours at 30 % daily pay - as a business owner, I have tripled my companies gross sales with the financial help and was only trying to get my business loan with the same bank that I trust to process my credit cards and payroll. I was trying to see what was offered by Wells Fargo as they brag about how they care about Americas Small Business - I was wrong in thinking this way but they still do n't have the right to pull my credit without my written, verbal, or electronic permission - it is unethical and shady - Can this agency please help this small business owner?
West Asset Management continues to call me for a debt owed by XXXX XXXX XXXX. My name is XXXX XXXX XXXX. They are calling more than once a day. Once with a person who says they will take my number off and once with a robo call that does not give me the option. I have asked then to stop repeatedly. They refuse to do so. this has been going on for over XXXX months. Recently I have had other debt collectors start trying to reach me for the same person 's debt. It think they got my number from West.
Current resident physician who is trying to apply for medical residency forebearance. Staff at navient is either not trained to understand what form/process is involved or do not follow through emailing appropriate form. 

This is an ongoing issue which last year negatively effected my credit score.
I purchased this property about a year ago and have received notice of escrow shortage. 
My payment was increased {$110.00} a month in 1 year. When I questioned this the explanation was someone must have miscalculated the tax at closing, really this could cause someone to lose their home. I 'm not understanding this as the taxes are on file with the county. If this was a homestead situation would they not know that? Just not understanding how this happens. Was told I had the option of paying the full amount of {$760.00} and the payment would only increase {$50.00}. Living on a fixed income this is not an option.
Last Month, I sent this company a dispute to validate a frivolous account that they had reported on my credit report. Although mandated by law to ensure that the data they report on my credit report is 100 % accurate, I noticed that this company still reporting the account that they are unable to validate.
Experian was advised that my car was totalled. Had loan with XXXX and GAP insurance through XXXX. XXXX short paid XXXX and now they are chasing me for the remainder, ruining my credit reflecting 60 days late. I was current with payments and had no finance or late charges.
Collection companies buy and sell a student loan debt that is not valid debt of mine. I have written each company that has serviced said debt to explain that this is NOT a valid debt and the collection company either sells the debt to another company or has another collection company service the invalid debt. The latest debt collector is Regional Adjustment Bureau, INC of XXXX, TN XXXX XXXX XXXX XXXX. This aforementioned company continues collection efforts after written and verbal notification of invalid debt and solicitation at a work phone number.
Sometime in XX/XX/2017 I became aware of a collection item on my credit report. 

The collection agency is CRME representing XXXX XXXX XXXX XXXX CRME - XXXX XXXX XXXX Immediately upon learning the collection was on my credit report, I called and spoke to a CMRE representative who gave me the account background. This was a medical invoice generated when I went to XXXX XXXX XXXX XXXX XXXX for services. Apparently, one of the attending physicians or labs was a non-provider under my insurance company. I explained to the CRME representative that I had no knowledge of the invoice and that I had never received an invoice in the mail. Upon receiving the name of the physician/lab involved, I contacted them and was told that all information on my account had been turned over to CRME and that they couldn't work on my account. The medical facility confirmed that they received returned mail from my address. Neither of us were sure why. 

Upon speaking with CRME, they too confirmed that mail to me from them was returned undeliverable. Nonetheless, I was told that all they could do to help me was take a payment. So, I paid it once I confirmed it was my debt. The CMRE representative as sympatric to my issue and did offer to close the account for a reduced amount. 

It appeared that I have had no other recourse and was in a never-ending loop. 

In the interim, this collection remains of my credit report with all three bureaus and is driving down my credit score. My FICO score is very important in the decisions I make related to my credit and finances. I think its unfortunate that organizations can make decisions that can ruin your financial future based on not receiving the correct billing information from the primary medical provider.
Macy 's credit card permits my card to be charged monthly for some " credit protection '' subscription service I never authorized. I have contacted the card issuer by email on numerous occasions to notify them that this is an erroneous charge but they allege they are powerless to stop this charge or to remove it. They direct me to a phone number, at which I have never been able to reach a person to get the charges removed or ceased. Since this number fluctuates in proportion to my present balance, it appears that this is a form of undisclosed interest on my purchase amounts. This is absolutely unscrupulous.
HI I was out side of US in 2012 XXXX XXXX and XXXX and my account was lock down and could not able to unlock the account so i missed the three payment. however when i came to back to country i paid the bills and close the account but those missing payment still showing on my credit report and because of this my credit score is low even if i am paying home loan car loan electricity bill on time. 


Thanks XXXX XXXX XXXX XXXX XXXX
Hello, I signed up for automatic payment in XX/XX/XXXX for my Chase credit card. When I check my bank account onXX/XX/XXXX, I did not see the chase payment was deducted for theXX/XX/XXXX, which was due on XX/XX/. I immediately called them to make the payment over the phone onXX/XX/XXXX. A few weeks later, when received my chase statement I saw that they charged me {$25.00} late fee and interest. I called them on XX/XX/XXXXto ask for the waiver of the late fee. The Rep refused. I asked to be transferred to a supervisor. The supervisor refused also. They said my automatic payment form must have gotten lost in the mail they will send me a new but they will not refund the fee since it was my fault that I did not make the payment on XX/XX/. I should have followed them to confirm that my automatic payment was set up. When I pointed out that payment was made onXX/XX/XXXX, the supervisor said, " late is late by 1 minute or 2 days in your case '' She refused to help. When I asked to escalate my case to the next level she gave an address to write a letter and mail it. It is a matter of principle for me, I do not want to pay the {$25.00} late and take a hit on my credit for their lack of process. Please help me reverse the late fee, interest charge and hit on my credit for late payment. Thank you.
I contacted Navient multiple times asking to defer my my loans. I was told it would be {$50.00} for each loan. And I had XXXX. Then I asked would they take a lesser monthly payment. They refused to take anything less then my bill asked for and it was nothing else that they could do at the time. All XXXX of the people I spoke to were rude and not trying to hear anything I was trying to say.
I have been working with paypal for over a year now and have had no customer complaints or done anything wrong. Yet just recently they have been putting holds on my accounts making me wait for the money to transfer from my customers. I have submitted numerous documents with proof that my items were being delivered yet they still have not taken them into consideration and will not tell me the real reason my account is being limited. Now they have decided to close down my account for life and say that they ca n't reverse the appeal, this is a terrible business practice to continue. No matter who I talk to with Paypal they all blame it on another employee or transfer me to new people on the phone. I want my balance in my account to be transferred immediately without having to wait " 180 days '' which is far too excessive. Actions need to be taken on Paypal immediately for what they have been doing over the years.
I recieved medical treatment from XXXX XXXX, paid all invoices that were my financial responsibility. Final bill was paid XX/XX/2017 via XXXX Debit Card. 

One year after payment, AR Resources reported to all credit reporting agencies that I had an open account for collections for the medical bill I already paid. 

I contacted XXXX XXXX, they told me that my balance was {$0.00}, and that they would contact to AR resources to inform then of payment. 

I contacted AR resources, they told me could not do anything until XXXX XXXX   contacts them. 

Two weeks later my credit score continues to fall due to an account that I have paid in full a year ago. There is a breakdown in communications between the two parties, and whose fault of them, not mine for not communicating with each other, is affecting me financially.
Several companies and credit card companies have kept old information on my credit report even though it has been well over 7 years since the debt occurred and the accounts were closed.

XXXX XXXX Credit Card opened on XX/XX/XXXX has been closed for years but is still showing on my credit report as owing {$1400.00}.

XXXX XXXX   opened XX/XX/XXXX has been closed for years and still is showing on my credit report as owing {$890.00}.

XXXX XXXX XXXX XXXX is showing 9 different accounts on my credit reports and open XX/XX/XXXX and closed over 7 years ago and still showing I owe {$1700.00}.

Ally Financial ( unpaid car loan ) was closed over 7 years ago but they keep sending the debt to new collection agencies and thus lowering my credit score and adding negative debt in the amount of {$23000.00}.

There is also fraudulent activity on my credit reports and I have filed police reports with the XXXX  NC Police Department and charges have been filed against the person responsible for the fraudulent activity and opening of accounts with my personal information.
In response to a bank bonus promotion at Citibank, I signed up for a personal checking account on XXXX XXXX, XXXX. The promotion promised {$400.00} as a bonus if I opened an account and held a balance of {$15000.00} for 90 days after the first statement period closed. 

I waited for the bonus after depositing my {$15000.00} and keeping it in the account for the designated period. On XXXX XXXX, XXXX, Citibank closed my account and sent a check for the balance without me requesting that they do so. I called on XXXX XXXX, XXXX and learned that they believed they had not received my signature page for the account. When I told them the date when I submitted the page, they searched their records and found it. They admitted their error and let me re-open the account with the full {$15000.00} balance ( which happened on XXXX XXXX ). In another call on XXXX XXXX, XXXX, the bank 's New Account Opening office confirmed again that I would still be eligible for the bonus. 

I continued to wait for the bonus. On XXXX XXXX, I called again about the bonus. The representative said that the bonus should post around XXXX XXXX. It did not. On XXXX XXXX, XXXX, I called the New Account Office once again. They informed me that they would open an investigation internally, number XXXX. Now, it is XXXX XXXX, XXXX. I still have not received the bonus, despite maintaining a {$15000.00} balance since XXXX of XXXX. I have read in online forums that many other customers have had similar problems with Citibank 's bonus promotion.
I have been a victim an identity theft. I have my car loans, XXXX card, XXXX card, XXXX XXXX XXXX, XXXX card, XXXX bank card, XXXX XXXX, XXXX card, XXXX card, XXXX student loans and I have any knowledge of anything else that is showing in my credit report. 
Thank you
I have my mortgage with Specialized Loan Servicing , LLC and I am victim of predatory lending. the are purposely trying to sabotage my refinance to keep me with them at 7.125 % interest rate. I have been approved to refinance my mortgage and payoff about {$50000.00} in credit card and I have been struggling to get by. I have been trying to get a XXXX done to with SLS now going on almost 5 months. about a month ago they finally got the collateral documents over to their XXXX attorney. The Bank attorney for the lender I am refinancing with requested the XXXX and Assignment a month ago. I am afraid that if this goes on any longer I will loose my mortgage commitment to refinance and pay off my bills and if I loose this mortgage commitment I will no longer be able to pay my mortgage and I will loose my home. please help me and the rest of the consumers out their from unfair business thank you
A little over a year ago I chose to update my Nordstrom store debit card to a Nordstrom store credit card. When I applied for this change I was asked if I wanted the store card or the Nordstrom Visa credit card, which is a general use credit card that would earn Nordstrom points. I declined the general credit card and stated the store credit card was sufficient. About a week ago I received a letter in the mail from Nordstrom that ordinarily I would have discarded and not read - thankfully I read this one. It was a letter telling me that because I was a valued customer my store credit card was being upgraded to the Nordstrom Visa credit card. The letter outlined all the changes that would occur as a result of the credit offer and also informed me that unless I called to decline the offer by a certain date, the upgrade would take place and the new card issued. I called and declined the offer which was all done using an IVR so I was n't about to discuss my concerns with an associate. I also alerted Nordstrom as to my thoughts  around this bait & switch tactic via a direct message on XXXX. It 's important to note that no other method of contact was used to alert me of this credit offer. No phone call, no email - I even checked my Nordstrom store card account, which I check monthly to verify the auto pay, and there was no alert in my profile. The envelope was not marked urgent and could have easily been discarded by most consumers.
I have been a US Bank account customer for about 10 years. I believed most of the 10 years I paid and used the account with no problems. However due to a decrease in my income I sought help with US Bank and they said they were n't able to help lower my interest and or my monthly payment. I sought assistance with XXXX XXXX, a debt management company. XXXX XXXX charged me a fee of {$30.00} and I sent the fee along with the monthly payments they negotiated with the banks. However, after paying XXXX XXXX, I learned that my payments were not being received timely to my accounts, and that I was left with zero to even pay my necessary bills. I cancelled my contract with XXXX XXXX and contacted all banks myself. I was able to acquire a more reasonable payment plan and lowered as well as ZERO interest rate from the banks, except US Bank. US Bank claims that I can not cancel my agreement with XXXX XXXX and that I am required to pay US Bank the same amount {$190.00} that was negotiated by XXXX XXXX. In order to keep my home and not default on the mortgage, real property taxes, and homeowners insurance, I send US Bank what I am able {$150.00} which is actually more than what I can afford. In addition to my decrease in my income where I was forced to retire XX/XX/XXXX since my employer eliminated my job position, recently XX/XX/XXXX I was diagnosed with XXXX XXXX. I had the surgery on XX/XX/XXXX for removal of the XXXX. I have been trying to get US Bank to consider my situation before I have come to CFPB for help. I am in dire straits now as I only have {$11.00} in my bank account and I have had to go to the VA hospital for my follow up XXXX appts and I am feeling like things are very bleak. I do n't know how things are going to turn out now. I believe that US Bank is holding me to a contract I made with XXXX XXXX and this is not right. Please help me.
XXXX XXXX XXXX obtain a judgement without my knowledge, my due process was violated. XXXX claims I was served 2 times, both to different individuals that do not live at the address or do not excist, eventually XXXX petition for a clerks judgement and got it, all without me knowing of a court date. Or a chance for me to respond to the summons. When I recived noticed of this judgement I contacted XXXX XXXX XXXX to discuss and even offer to settle, XXXX, the owner was very unprofessional and threatening he said if I tried to fight them he will continue to add more attorney fees to the account, this account was from 2012 from a XXXX XXXX XXXX when I was in the XXXX   academey. It's a fund XXXX county provides XXXX   to help during the first couple of weeks of training due to the extended wait for our first pay period, I was hurt during my training and had to drop out, I was told I didn't have to repay the debt since I was out due to injury.overall this collection company violated my rights and defrauded the courts in order to get a judgement on me an damage my credit rating, I also hold a government XXXX XXXX with my employer this is threathing my job as well can you please look into the type of business these people run, I have read many complaints on this company and their shady business practices and how they have victimized many other people the same way