WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2019 : Contacted Kinum ( collection agency ) about phone calls alleging a debt owed, and that they were going to take legal action. The Kinum representative hung up on us. Called Kinum back, and it took multiple verbal requests to receive actual Kinum Account Number, the representative kept giving me the Account number associated with the original debtor but not the account number associated with their collection agency. Finally received Kinum account number. When I asked the representative to not interrupt me, they hung up on me. 
- We have never received any mail notification of this debt from this debt collection company and had told them so every time they contacted us via phone. We had requested multiple times that the debt information be sent to us via Certified Mail and all Kinum Representatives we talked to stated they would not do that. 

XX/XX/2019 : Sent a Verification of Debt letter to Kinum via Certified Mail with a Receipt. The letter specifically requested the Verification of Debt be sent via certified mail since Kinum is claiming to have sent multiple bills to us but we have not yet received any. Tracking number from USPS indicates Verification of Debt letter was delivered on Tuesday, XX/XX/2019. 

XX/XX/2019 : Received a mail notification of debt, but only details approximately half of the debt they are saying that has been owed. There is no information detailing the other half, except on the payment coupon to return to them that states we owe almost double of what they provided information for. The debt that does contain details does not include : verification of debt, itemized statement, name/ address of original creditor, & evidence that we are legally responsible for the debt. It only includes the " Date of Service. '' Attempted to contact Kinum again, but phone number on the bill received on this date does not offer options to talk to someone, only and option to leave a message, but no way to leave an actual message.
I made payment arrangements w IQ data international, inc XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
My concern was when I realized I initially owed XXXX and now I owe XXXX.???? I've paid them XXXX, which btw wasn't easy for me but I made sacrifices. I called the company. After about 50 telephone " offers '', the recording tells me " we are sorry, the new number is ..., ''. I called new number. More offers. Then without identifying themselves I got " please say residence, business or government ".
This is regarding my Rushcard prepaid card. They switched processing companies on the XXXX I believe. Since then, People have not been able to access their money, have had money disappear from their accounts, etc. If you go to the rushcard page on XXXX, you can see in detail the struggles people have faced. Some have been evicted from their homes, lost their cars, and not been able to buy essential things like food. 
As for me, I lost my card and requested a replacement card. Since this system outage, I have not been able to access the {$140.00} that was in there when I still had the old card. Since I could access the funds for myself, I decided to just pay the {$140.00} through their bill pay feature to my landlord. I have used their bill pay service in the past to pay my rent and electricity bill. I sent this money to my landlord on the XXXX. She usually receives the money within a week. I called her yesterday ( the XXXX ) and she told me she had not received a check in the mail. I fear that even though it said it was sent on the XXXX it was, in fact, not. My direct deposit from social security was loaded on the XXXX. It is still in my account BUT I can not access it because I can not activate or set a pin for my new card. I have called XXXX different numbers to set my pin on the automated system only to be transferred to a live customer service representative. They would transfer me to a supervisor, or another number where I could supposedly activate my card. I was either put on hold with no one answering or directed to an automated system that asked me to enter my social security number and the system would say " Sorry I did not get that '' when I entered my SS #. I have been without money since this transition/outage occurred. It has been THREE WEEKS that have passed where I and others have not been able to use their card but it was " blocked '' or " pending activation '' ( which is what my account says on the webpage. I have been going to the food bank during this time with my social worker to get food. I have been without basic necessities such as toilet paper, food for my cats, etc. My main concern is being able to pay my rent and utilities and recovering the {$140.00} that I do not believe was sent to my landlord. As soon as I can recover my funds completely I am switching to a credit union. Naturally this whole situation has caused me stress, anxiety and anger. I can not conceive of a system change that takes 3 WEEKS to work properly. This is completely unacceptable and the worst customer service imaginable.XXXX has stated that he is setting up a " XXXX dollar '' fund to reimburse those that have incurred late fees or any other damages but he stated also you had to submit proof of this. 
I beg of anyone to help me get my card activated and a pin set up so I can withdraw my funds and pay my bills so my situation does not get serious with eviction or being severely behind on my bills. I will not allow myself to be in such a situation! My solution to all this is very simple. Let me withdraw my money so I can leave rushcard and get on with my life!!
Ive been trying to freeze my credit report with TransUnion for several months now. I finally got them to send me a copy of my credit report. I was unable to answer some of their questions because they had, and continue to have incorrect information on me : Their credit report has my wrong birth date, many wrong names reported, a wrong previous address, and a wrong phone number. Some of this misinformation comes from an identity theft I encoured earlier this year, whereby someone obtained my XXXXXXXX XXXX XXXX XXXX XXXX number, then called XXXXXXXX XXXX and convinced them to change my address from ohio to one in NJ so they could illicitly order products over the internet and have them shipped to their NJ address. Now, when Transunion asks me to verify my identity, they ask me questions like have I ever lived at this address in NJ, to which I answer no, but they think I did because of the identity theft. I didnt have any problems freezing my credit at the other two credit bureaus, but TransUnion has been absolutely impossible to work with to correct these issues, on line or over the phone!
I am current on my credit cards and paying payments on time some i paid off they cancelled my credit cards due to much inquiring which is not true at all.why there are canceling and lower my credit limits even i am paying on time and paid in full.
I made a  Barclay   XXXX  credit card payment of {$3300.00} was paid and processed o n    X/XX/2017 .  As of today the payment is not credited to my account.   I faxed them the proofs ( cancelled checks from  XXXX   )  on    XXXX   XXXX    2017.     Emailed o n   XXXX   XXXX  , 2017 for a follow-up Called on   XXXX   XXXX  , 2017, spo ke to a customer service rep (  XXXX  ), asked her for the result. She was very condescending and said " i will have to wait for the results ''. I told her that you 've taken my money for over 40 days and I like to know where it 's at? If she was more helpful and assured me that they will take care of it I would not worry. But now I am worry that my case is not being handled with some urgency to credit my account accordingly.
I got a credit card from  US B ank, the  XXXX   XXXX  card. I pay an upfront fee, and get a credit limit. All perfectly ok. But I use the card daily pay it off every few days, and unknown to me I 'm blocked from using the card after paying it off twice witin my time period even though I have plenty of available credit on my card and not been late once. I was never told I was capped out on using the card AFTER I 've paid it down to {$0.00}. They sell the card based on the points you should be able to accumulate by using it, but then secretly do not tell you that you can accumulate points by using the card once you reach some random specified limit. I would not have paid the {$60.00} sign up fee to use a card that limits my use if it in such a manner where it 's paid off appropriately and I STILL can not use it
I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX Firm and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to XXXX XXXX XX/XX/XXXX. Since this account was paid in full in XXXX XXXX, it is MORE THAN 7 years old and the good credit is the correct reporting. On each and every credit report it is duplicated and now in triplicate with XXXX XXXX showing up as well as XXXX with XXXX negative and XXXX positive for the same account number. 

I do n't understand why number an account that is paid in full was sold to an outside collection agency and why can both XXXX and XXXX funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XX/XX/XXXX.
Greetings ; Portfolio Recovery is indicating every month on my credit report that they have an open collections account with them for a debt that I disputed more than XXXX years ago. They are not actively collecting ( and have n't for years ), yet they are ruining my credit report. How long can they continue to report an " open collection '' against me? This debt has passed the SOL for collection, even IF they could validate it, which they can not. Thanks for your help!
Navient has been holding up my IBR request on spurious grounds. I processed an IBR request through XXXX. They first denied my application claiming that they were missing a page. How that can happen when they receive it electronically through XXXX is beyond my comprehension. 
So I resent it. Now, almost three months later, they have sent me a denial letter. 
It says, " we 're unable to process your Income-Driven Repayment request at this time because your signature was not included. '' Strange, because the copy that I 'm looking at, which I faxed them on XXXX XXXX at XXXX shows my typewritten signature with the date. 
They are now claiming on my telephone call with them that it needs to be a " wet signature. '' No where on the form does it define signature. No where does it indicate that a typewritten signature is invalid or otherwise makes the contract modification unenforceable. No where do they define " signature. '' ( Thought as a trained lawyer my understanding is that a signature is defined generally as a present intention to authenticate. ) All of my other lenders have accepted my IBR without a problem. Navient is the ONLY lender to pull this most recent excuse out in order to delay and deny my application and force me to reapply. 
[ I have just gotten off the phone with Navient, and they told me a wet signature is needed, but they they would, ( after I told them that I was filling out a CFPB complaint as we spoke ) accept my electronic signature in lieu of a wet signature. ] I am still concerned that they will ultimately fail to deliver on their obligation to process this IBR request, so I 'm submitting this same complaint to notify CFPB of their inaction and delay.
On XX/XX/XXXX I received notification from my job about a garnishment from XXXX XXXX XXXX XXXX XXXX. Per the notice they were garnishing me for {$14000.00} at a rate of 25 % of disposable income. I called and talked to XXXX at Nathan and Nathan, PC - the lawyers representing the trust. His number is XXXX ext. XXXX. XXXX told me that this was a lone from XXXX XXXX back in XX/XX/XXXX and it was a private student loan to attend XXXX XXXX College for XXXX. I advised him that I have no knowledge of this loan and that I needed him to send me documentation showing that they not only own the loan but that I signed a promissory note with them - he stated that he would. Prior to this I have never heard of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, or Nathan and Nathan, PC. This has never reported to my credit report nor have I ever received any notification to verify this debt. According to the paperwork, the judgement was issued XX/XX/XXXX - I also have no knowledge of any court proceedings for this matter. I have done plenty of research on this company and I see they are being sued left and right for using false affidavits and misleading information to collect on debts. I will fight this all the way if I have too - there is no way that I am going to pay on a debt that is 14 years old to a company that I have no knowledge of. Please take this consent serious and help me and I am sure plenty other consumers from these deceptive practices.
To Whom it May Concern : I have a credit card with Citizens Bank and after pulling my annual credit report, I found they have closed my account back in XXXX. On XXXX XXXX, XXXX, I lost my full time job, so I made payment arrangements with all my credit card companies, including Citizens Bank, asked for payments of lower than {$50.00} a month and they agreed. I was able to pay the other credit cards I owned as well as Citizens Bank with a part time job I had obtained. I followed up with a phone call on XXXX XXXX, XXXX regarding my now closed account and a woman stated she would send a letter within XXXX10 business days. She also stated with they closed account back in XXXX XXXX and I would have to re-apply once the balance was paid in full. I have been paying my bill as long as I can remember and more than what is asked to pay on each statement. To date, XXXX XXXX, XXXX, I have yet to any letter as to why my account was closed. My address is current, there is no electronic delivery as she verified my address ( can not find anything on their website regarding electronic notices ) and there are no PDF files saved anywhere on their website. What I want is a letter stating why they closed my account, that it is off my credit as a negative or for any other reason that would be used again me for further purchases, etc and to report them for illegally closing my account under the " Responsible Lending Act '' and " Credit Card Act '' and have not notified me in writing within 5 days of the action being taken. I do n't understand why they would close an account when making current payment arrangements after the loss of a job. I feel they discriminated against me in fear of non payment when in fact I was making payments. On all of my statements they have noted all sorts of different numbers for the amount due and the amount I was originally supposed to pay. They always stated it was late or a past due amount when there was always a payment every month of more than what was owed.
I requested all three, free annual credit reports. I was able to receive reports from XXXX  & XXXX. 

I was unable to get Experian report although I used the same exact information to get the other two reports. 

Every time I filled in the address information, I always got a message saying ; 'address is not the same as when I requested freeze on report '. 

I have freeze 's on all three reports but Experian was the only one that refused my request. 

On the free report form, they request 'my current address ' which is the same I gave XXXX   & XXXX . When I gave the same address to Experian, it always gave me the message above. 
Even when I inserted my previous address, I was still unable to get my report.
Selling a invalid amended note to bank of XXXX and servicing rights to XXXX and refusing to investigate the issue when brought up to there attension
I CALLED TRANSUNION TONIGHT TO DISPUTE MY CHAPTER XXXX FROM XX/XX/2013 XXXX COUNTY, NEVADA AS ALWAYS WHEN YOU CALL TRANSUNION YOU ALWAYS GET SOMEONE O THE LINE WITH A THICK ACCENT SOUND AS IF THEY ARE MIDDLE EASTERN. I HAVE A HABIT OF RECORDING THE CALL FOR LEGAL PURPOSES. I RECORDED THIS CALL. I ADVISED THE REP. THAT I WANTED TO DISPUTE MY XX/XX/2013 BANKRUPTCY FROM CLARK COUNTY NEVADA I EXPLAINED TO THE REP 3 X WHY I WAS DISPUTING. AFTER 30 MIN OF TRYING TO GET HIM TO UNDERSTAND HE ADVISED ME OK MAAM I WILL SEND YOU A CREDIT REPORT, I ADVISED I DIDNT ASK FOR A CREDIT REPORT XXXX I WANT TO FILE FOR A DISPUTE I HAD TO HANG UP ON THE GUY BECAUSE HE WAS NOT UNDERSTANDING. TRANSUNION IS REPORTING THIS CHAPTER XXXX FROM XX/XX/2013 AND THE BANKRUPTCY HAS SEVERAL INACCURACIES THAT I AM DISPUTING, AND AT THIS TIME I WANT TRANSUNION TO FILE A DISPUTE FOR INACCURACIES. FILING DATE AND 2 CREDITORS LEFT OFF THAT IS NOW TRYING TO PLACE ME IN COLLECTIONS,
I received limited information from Sentry Credit XXXX Inc XXXX Under the fair debt Collection practices Act I demand full disclosure of information to validated the debt with specific documents.
I am filing this complaint using information obtained from Experian credit reporting agency. 

On XX/XX/18 I filed a dispute on my Experian credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted Experian, to see where the information come from. 

Experian gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that Experian stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as Experian has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XXXX 2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

Experian is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight Experian. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC  ID THEFT REPORT # XXXX
I had a balance with an apartment complex which was forwarded to  National Credit Systems. National Credit Systems  offered me a settlement on the amount. They told me that if I were to take the settlement and pay in full they would consider the debt paid and remove themselves from my credit report.   I agreed to the settlement amount and promptly made payment . National Credit Systems  then was prompt in reporting the debt as paid. However they continue to report on the account. Consequently, the account remained on my credit report, causing me extreme difficulties in finding a place to live. Because, even though the account shows as paid, the fact that it is there at all is a major negative mark. I knew this when going into the deal, and made sure to ask the person I dealt with whether it would truly be removed or not.  <P/> She assured me it would.  <P/> I asked for this in writing, and they refused to give anything in writing. I could take the settlement then and there, or they would step up activities, which at that point had included harassing my parents, and my friends.  <P/> So I took the settlement.had I known it would not be removed, i never would have settled, because there would have been little point in doing so.  <P/> Now, they have their money, and I am in the same position as I was before I paid them. I 've gained nothing, and I can not find an apartment that will approve me in  XXXX , which is a competitive city to find housing in.  <P/> I am livid with the betrayal of this organization. I paid them in good faith, and they stabbed me in the back. I desperately need this to be resolved. I have attempted talking to them, disputing the account, all to avail. The credit bureaus will not help me. I have a perfect rental history except for this, and I was lied to and deceived, tempted by this representative to take an easy way out, and now, because of that ... i 'm screwed.  <P/> Please, I 'm begging you, i need to have this resolved so I can continue with my life. As of now, I 'm just treading water.
My FHA mortgage was serviced by  Caliber  starting in  XXXX . I was having financial difficulty in  XXXX  and  XXXX  of  XXXX  and called Caliber. I spoke with someone regarding adjusting my payment. After going over financial information I was told that I could break my payments up for the next several months to get back on track. I was told that by doing this I would not damage my credit and not have any other adverse effects. I made payments to them and did get my payments back on track until I refinanced in  XXXX . I found out that they did indeed report I was 30 days late to the credit agencies  XXXX   XXXX  AFTER they told me they would not do so. I sent them a letter  XXXX  telling them I was disputing it and that it should be marked disputed. All they did was send me a copy of my loan agreement. The late payment is still listed on my credit report.
On XX/XX/2018 an inquiry was pulled on my XXXX Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to XXXX XXXX on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent XXXX  a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving XXXX  ample time to correct the error, I called XXXX  again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, XXXX  refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, XXXX knows to the date of the inquiry on their records and can clearly see the information matches in XXXX letter. 

I should not have to jump through hoops to get XXXX  to to do their job and XXXX  should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with XXXX  using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

XXXX  refused to reinvestigate.
XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois, Used the bank Wells Fargo to direct deposit illicit funds into other bank accounts
I filed a complaint against Equifax with CFPC in XXXX 2016, in regards to obtaining a copy of my credit report and credit scorces and also disputed inaccuracies contain in my consumer file. Equifax send a copy of a credit report and score dated XXXX XXXX, 2016, according to Equifax my credit score is XXXX. XXXX offers a service where they provide their customers with their credit score obtained and supplied by Equifax. XXXX claimed my Equifax credit score is XXXX and this information was obtained from Equifax on XXXX. 
This clearly is a continued problem with Equifax purposesly reporting inaccuracies in regards to my credit score and intentionally lowering my score with a lender in retailition for filing several complaint with CFPB.