WillisBack/dataset-financial-user-claim huggingface dataset:
I have been having issues regarding my prepaid card that came from XXXX. 
When I was originally given this as a gift ( the receipt was thrown away ) from a relative on XX/XX/2017, I have never had this problem when it comes to accessing the website. 
I went to XXXX ( where the card is from ) and signed up and registered my card as followed their instructions. Since then, however, I can not access the website at all ( logging in or making a new account ). 
You log in to check your card information on the website by using the 16 digit card number on the front and then confirm the security code on the back in order to successfully log in. 
When I tried this again after registering, however, I got the error : " We are unable to process this request. Please call the phone number on the back of your card for additional assistance. '' So I have called them ( three times ), and each time no success. According to the customer service, I still have money in my balance ( {$50.00} ) and I am registered, but can not login whatsoever and they did not understand why. My recent call told me that they could not do anything to fix my situation unless I requested to " escalate the situation '' with their " offline team '' ( which they did not give me their contact information because they said they can not due to regulations ). 
This is a huge problem because I can not use my card whatsoever or the funds for purchasing. Even though it is registered, I can not use my card for anything because of what I believed was a " login '' issue but it could be fraud/scam or possibly something of that nature. 
I have had this problem for over two weeks and multiple calls to no avail. I wanted to file this complaint because of this issue that prevents the usage of my card that may be a much more serious issue but I do not know because I am getting little to no information from them that could help.
I am sure that I have already paid this debt. I had gone to exhaustive measures to pay all the loans I had ever taken out several years ago and have not taken any loans out for many years. 
They say this debt was from XX/XX/2012. I know that a few years ago, after XX/XX/2012 but I'm not sure what year I paid everything because I had the money to and I knew I probably wouldn't get another chance. Since then I've had continuous phone calls and debt collections activities target me because of what I believe to be what is called " Zombie Debt. '' These collectors will send phony letters or even try and collect on legitimate past debts that has already been paid. I called a lawyer and they told me to come here but that the CFPB has been gutted by Trump. 
If you know of a good lawyer then email me their info because I would rather pay thousands to a lawyer now to make this stop than keep paying these XXXX every time they want to exploit me.
Incorrect information is listed in my collections section. The collection agency, XXXX XXXX has reinserted a previously deleted account with false information. This is an account that I am no longer liable for and has now been added back on my report with incorrect dates as it is extremely past the allowed time limit.
trying to collect debt as result of id theft informed them by phone they are still reporting to credit bureaus have sent paper work to XXXX where fraudulent account opened in my name using my stolen info amount is XXXX collection agency is XXXX XXXX co XXXX XXXX XXXX fla XXXX XXXX XXXX XXXX have filed police report with new York state police case # XXXX
I HAVE NEVER DONE BUSINESS WITH THEM NOR HAVE I SIGNED A HIPAA RELEASE OF INFORMATION FOR THEM TO OBTAIN MY MEDICAL INFORMATION. MY HIPAA RIGHTS HAVE BEEN VIOLATED
equifax has to remove ... XXXX ... XXXX XXXX XXXX ... XXXX  XXXX ... XXXX XXXX
I received a letter from this agency on XX/XX/XXXX as I was the co-signer on my daughters student loan. My daughter had told my prior that the IRS sent her e letter stating that they held $ 5500+ to cover her outstanding student loan. I called Reliant and they said that it takes some time for the money to catch up but that she saw where the money was garnished. She told that it would be taken care of and I wouldnt hear from them any more. On XX/XX/XXXX my wifes phone received a call from Reliant asking for me. The collector then tried to dunn me for the balance. I explained the same as I did the prior week and she told me that until they receive the money that collections would continue. I asked why not place on hold until the IRS remits to them. She again said that collections would continue. She said the first collector wouldnt know that the money is garnished. One way or the other one of these collectors is lying.
I asked for my free credit report from TransUnion and received a request for proof of my current address, SSN, and date of birth. I have lived at my present address for the last thirty years. Their requests appear to be attempt to either delay or eliminate their obligation to provide my credit report. I also tried to call them but received nothing but recorded messages. Attached is their request.
I have been struggling to pay over {$150000.00} in student debt to Navient which at the time I took the loans in XXXX was Navient. I believe that XXXX XXXX XXXX now Navient XXXX had my university XXXX University XXXX XXXX XXXX push private student loans as the secondary way to bridge the financial gap to pay for my education. Grants and scholarships were not promoted as much as private student loans, which I was left with the impression was the only way to pay for school. 

Since graduation XX/XX/XXXX I have had to declare bankruptcy ( student loans were not discharged ) and have had to deal with the unprofessional and mistrustful corporation for the last decade. In the last 10 years I have never been given the same information twice from customer service reps. I have been told crazy things such as, " do n't worry someone paid your loan off '' and promised low payment plans to " help '' when all they do is compound insane amounts of interest and fees. I have paid over {$50000.00} to XXXX XXXX / Navient but my loans have still ballooned from {$130000.00} to {$150000.00}, making no headway. 

Their XXXX number is outsourced to another country. The employees do not know what they are talking about and are hard to understand their broken XXXX. They charge a {$14.00} service fee to take a payment over the phone with the debt card, even though if you contact their collections department, based in the US, they do not charge a fee at all. The wait times are long and the phone system loops yous around and around. It is not uncommon to spend 45 minutes on the phone just to make a payment or resolve an issue. 

I have had payments meant for Federal loans be applied to Private loans and have had Federal loans go into 30-60 month passed due because of this. Recently, I asked for a total tally of how much I have paid them in total XX/XX/XXXX and no one can provide that info to me. I was told they do n't have that information. That 's impossible. I was told online through a customer service email that I could look it up online but when I searched the query, it said " Error - can not process ''. Deceit, lies, untrust are the words that come to mind when I think of Navient. 

No way out, no way to refinance it, struggling. Need help!
I have notified Experian on many different occasions that the following addresses do not or never belonged to me. I would like these addresses removed from my credit file. Since they was a result of identity theft. 

Incorrect Addresses : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX
Upon a surprise transfer of my loan in XXXX, I contacted LoanCare to make a principle only payment and have my escrow account closed and have escrow stopped from my loan payments. I followed their instructions, went online and made a {$10000.00} principle only payment. At that time the statement said my first payment was due XX/XX/XXXX. I then wrote in, requesting my escrow account be closed. 
I only received a credit for part of my principle only payment, {$8000.00} instead of {$10000.00}, and because I had set up automatic payments, they have debited more payments than were due. They have also continued to debit escrow payments despite my written request that it be stopped. 
I have attempted to contact them and have not been able to contact a human to help. Written requests have not been answered. XXXX has also attempted to contact them on my behalf to no avail. 
I am paying interest on principle that I have paid down, extra payments have stolen from my bank account, and they have ignored all of my communication.
I opened up a CitiGold checking account back in XX/XX/XXXX using a promotion that would give me XXXX XXXX XXXX miles once Ive made 2 bill payments and {$1000.00} in purchases on my debit card. I completed the requirements and hadnt seen my points post yet. I submitted a secure message around XX/XX/XXXX and the representative confirmed that I completed promotional requirements and that I would receive the I would see the miles post by XX/XX/XXXX.
Unfortunately the miles never posted and citibank reneged on their end of the promotion even though according to the terms that were displayed on opening my account I should have been eligible. I had to pay several months of monthly service fees for a bank account and did not receive the promised promotion.
Allied Collection Services  is reporting on my credit report for   XXXX   XXXX    ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've   contacted  Allied  and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid  License, Bond, and Certificate of Authority in the state of Arizona.
My XXXX XXXX XXXX has been expired. Continued late charges have been requested by XXXX XXXX credit card company. The collection activity is unlawful practices. Please, correct it as soon as possible. Thank you!
I keep receiving multiple calls a day from the same company, they continue to call and call and call and most times they just hang the phone up. The last person I spoke to said that he did n't care they could call as many times a day as they want to. It has gotten to the point in which it seems they are doing this purposively in an attempt to harass me into paying them to stop calling.
I complained about fraudulent charges on my u.s. bank XXXX and the account was rudely closed.
XXXX XXXX needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that ONLINE COLLECTIONS SERVICES Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the deb collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
I am a Discover Card Client and I was approved for a {$3500.00} credit limit months ago. I have had to use my card a lot lately due to some financial struggles but I have never missed a payment with Discover. I traveled for work this past week and rented a car and had to put my rental payment on my card. I had plenty of credit to make the charge and then tonight I go to use my card to get gas and it was declined. I knew I had credit on there but I get home and get an email stating that I had a message from Discover. They sent me a message stating they did an account review and they lowered my limit from XXXX to XXXX and because of the trip charges it puts me over the credit limit by XXXX which destroys my credit rating with the credit bureaus. Discover had no right to do this, but they chose to let the charges be put against my card even though they said they made this decision on the XXXX. My XXXX car rental charge was put on the card on the XXXX. They have screwed me, they had no right to lower my credit limit and then allow charges to go against my card. I have never missed a payment with Discover and yet they do this to me. This is not right as they are jepordizing my credit score and they do not care about how this is impacting me.
WEB SITE BROKEN. PLEASE DO NOT SEND ANOTHER PAPER REPORT. I WANT A DIGITAL REPORT.
I paid off my financed vehicle early (ahead of the loan maturity date) at full non-discounted price, and still not have received my title after a month has passed. I need the title desperately, so I can re-register it in my new state as I recently moved (and my old state registration has lapsed). After 20 Business days and counting, I just learned they (DriveTime) only now released their lien and requested a new title yesterday with the old state I had lived. I am advised this can be a few more weeks before I receive my title which will be multiple months after I paid in full? This is ridiculous mishandling of the closing process especially since I requested it to be expedited.
Debt Recovery Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX This debt is 5 years old and just recently I was contacted about it. I offered to pay it off if the company would agree to removing the records from the credit bureaus. 
The company said that they would mark the account paid but would not remove the negative information from the credit bureaus.
I signed a contract with Apple Law group firm in hopes to consolidate my debt with them and pay a lesser monthly amount to them versus paying several debt to several companies. After two years of making payment to Apple Law group and still receiving numerous of phone calls from my creditors ' I was informed that no one from Apple Law group had contacted them in regards to settling my debt. In the contract I am advised to no communicate with my creditors because that is why I am paying Apple Law firm lawyers to do for me. I tried to contact the Law firm by phone calls, faxes and email correspondences ( that I have on file ) and received no calls back until I put a stop payment on my account. Once I finally spoke to their XXXX and only representative by the name of XXXX XXXX and told her about my concern, I asked for a full refund and only received % XXXX ( {$330.00} ) of what I paid out. I asked to be sent a bill stating all of my charges and proof of the companies correspondence between my creditors and the law firm sent a bogus made up bill to me showing that they 'd billed me {$30.00} for having an attitude, {$15.00} for phone calling in to the firm and inquiring about my account, I was even charged for paying on debt that I specifically asked them to take off my account and they responded back to my request to delete the creditor off my account, the list goes on, etc.. I 'm currently trying to resolve paying back what I owe to my creditors but I 've lost {$3900.00} to the Law firm, which would have been almost half of the debt that I still owe. This company stole from me and will continue to steal from others if they are n't stopped.
I receive my XXXX and XXXX scores for free through XXXX XXXX, which is great! However, I noticed when applying for credit that my Experian score was lower. The only way to get Experian score is to sign up for an account. They make you believe the cost is {$1.00}, but after you sign up, you are informed that it is $ XXXX/month and that the {$1.00} is for a 7 day trial. While you can create an account online, you can not cancel your account online. You are required to call. Initially the recording asks if you would like to speak to someone or use the automated system to cancel. After entering personal information through the automated system, they automatically convert you to a representative ( outside of the US ) that again asks personal questions, makes an offer to reduce the cost to $ XXXX/month for the service. It took 90 seconds to create an account and 9:39 minutes to cancel. No confirmation of the cancellation has been sent, although I have " been assured '' that no additional charges will appear. I feel that this is an incredible opportunistic and questionable means of a credit reporting company doing business. And now I am concerned about identity theft knowing that all of this information is sitting on servers outside of the US.
On XX/XX/XXXX, I sent Ability Recovery Services a certified letter requesting information on a collection of {$610.00} that is on my credit report. I asked for proof showing that this is my debt and I also asked that if they couldn't provide me with this information, to please remove the collection from all 3 credit reports so that they can reflect accurate information. 

On XX/XX/XXXX, Ability Recovery Services responded with a bill from their company and also a bill from the XXXX XXXX XXXX , XXXX, the collection agency that they purchased this account from, but I didn't receive anything from the original creditor where it shows that this is my account/charge/bill. 

I then submitted all of this information to all 3 credit bureaus, XXXX, XXXX and XXXX. The credit bureaus disputed this with Ability Recovery Services as well and they couldn't provide the credit bureaus proof that the account was indeed mine. On XX/XX/XXXX, I am writing CFPB to get them to remove this {$610.00} charge off of all 3 credit bureaus since they don't want to voluntarily do it and they can't provide me with proof. 

My certified letter was sent to : Ability Recovery Services XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX
I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and XXXX refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt
This feedback is in regards to Bank of America dispute resolution department. 
On XXXX XXXX, XXXX, there were XXXX charges posted to our account that we did not recognize, in the amount of {$73.00}. We immediately notified the vendor, XXXX and BOA. 
XXXX did not show the charge. BOA proceeded to follow the dispute process. After numerous phone calls, waiting on hold and broken promises, I sought the assistance of XXXX of the BOA branch managers. She assisted with contacting the dispute resolution department yesterday, XXXX/XXXX/XXXX. In speaking with a rep on a conference call, I learned, A- There was a duplicate charge of {$73.00} made by BOA which had been credited. B- There was a XXXX window that had passed, therefore BOA could not pursue any further. ( My wife had called that same day, spoke to a different rep, and was told they would " escalate and get back to us in 10 days! ) We have heard this numerous times, check your call logs, no-one ever gets back to us. We followed the directions of the bank to the letter. They did not do their due diligence in righting this wrong. They took the easy way out and sided with the vendor. 
The below were the facts ignored by the bank and XXXX ; 1- The zip code used for this transaction, XXXX, was NOT my zip code. 
2- This was an online transaction, yet NO email address was provided. 
3- The transaction was made while we slept on Tuesday XXXX XXXX @ XXXX XXXX. 
4- The game was retrieved while at my job in XXXX XXXX NJ at XXXX XXXX on the same day. 
5- The game rented was for XXXX, which I do NOT own. 
6- Rental history will show that we have NEVER rented a video game of any kind from XXXX. 
7- We have always returned rentals on a timely basis.
In XXXX 2017, I mailed a formal complaint requesting verification or deletion. Some time after the 30 dyas I received a letter without the verification. Per the court, no information is supplied to credit bureaus.
American General Finance of America , Inc. formerly CREDITTHRIFT OF AMERICA INC and formerly XXXX XXXX XXXX NO. XXXX ( Employer ( Tax ) Identification Numbers : XXXX | XXXX | XXXX | XXXX ) intentionally altered account numbers and filed numerous lawsuits in the Commonwealth of Virginia by using third-party debt collection agency or law firm, when it never had the right to bring forward a lawsuit when it used its former entity name on the lawsuit.
I was not told up front the cost of this treatment I told the company I did not have insurance and they made me think it would be covered under XXXX. I was referred here by the hospital and never told cost up front and the bill could not be covered under XXXX XXXX I never received a right to dispute letter from the collection company after it was sent to collection and they are collecting almost twice the amount due after today I called the medical company to find out how much the company charged me for tests they failed to reveal the cost of. Creditors collection is asking for XXXX the total XXXX gave me today was XXXX.
When I bought a puppy from XXXX in XXXX, NY, I was told that the monthly payment would be XXXX per month. The purchase was made on XXXX XXXX, 2017. I received my first bill in XXXX. It was for XXXX. 
I spoke to debt collectors on the phone and wrote letters explaining that I could not pay the full amount. In the meantime I paid what I could. The interest kept increasing, and XXXX XXXX kept asking for more and more each month. 
Then, the phone calls every day. Repetitious phone calls. At first I answered and spoke with the debt collectors. Then, I realized that it was useless to discuss it on the phone because they demanded a large payment. 
Still the harassing calls have continued. I wish that they would cease. I want to pay on what is owed through the mail. I am sorry that the full amount won't be paid within the time that XXXX XXXX wants, but I intend to pay it in full. 
I am very happy with the dog and want to pay for her. I just can't make large payments. Now they are asking for a very large amount, which I do not have. I am a senior citizen and semi-retired. I live on a very low income. 
If you