WillisBack/dataset-financial-user-claim huggingface dataset:
I received a debt collection notice from XXXX XXXX XXXX for {$82.00} from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent a certified letter requesting validation of the debt. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they had conducted a complete investigation and the account has been cancelled per clients request and that they ceased collection of the account. 

Later if XX/XX/XXXX I received a letter from XXXX XXXX XXXX requesting payment of {$82.00} for services rendered at XXXX XXXX XXXX XXXX. I called and spoke to the representative and explained the same debt in question from RMP. The representative requested that I send them a copy of the letter closing the account from XXXX XXXX to : XXXX which I did on XX/XX/XXXX.

XXXX XXXX XXXX called me today ( XX/XX/XXXX )  and asked me to pay {$82.00} I told them about the situation and they told me that they would report this to my credit for refusal to pay and that they would not verify the debt and that their word was verification enough and hung up on me. 

I do not have a physical copy of the XXXX XXXX XXXX letter but their information is below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, Equifax, XXXX.

I have one hard Inquiry from company : XXXX XXXX XXXX On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I contacted XXXX, Equifax, XXXX  and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.
I applied for a loan in XX/XX/XXXX. I didn't get the loan until XX/XX/XXXX because the underwriter was giving the loan officer the blues. He told her that was the best we could do for the interest rate and years. I thought this was unfair. The lowest interest rate they gave me was 6,7 % fixed 15 years for {$50000.00} which I thought was too high plus it was a home equity loan with the house for collateral. I made my first payment and found out I have a daily interest rate loan ( per Diem ), not a fixed rate. So within 6 months have have paid back over {$1000.00} in interest which is ridiculous. My credit is good and I am trying to get a better type loan and interest rate. 
Example payment in XXXX Interest {$210.00} and Prin {$220.00}. XXXX Interest {$340.00} and Prin {$95.00} went toward principle.
My name is XXXX XXXX, XXXX XXXX, XXXX XXXX, Transunion is reporting two medical accounts in my credit report, Transunion is violating the new laws that say medical accounts must wait 6 months before they can be placed into the report, both accounts are from XXXX
My loan has reached below XXXX XXXX of the original loan value and I 've been trying too get the pmi removed for months. My first letter was sent months ago and they advised I would need a valuation on the home. I called asking if the pmi would go off my loan automatically and at what point or if I would always need a valuation. They person I spoke with in customer service advised that once the loan was below XXXX XXXX of the original value that it would come off. They sent me a list of ever payment and what that would bring my future balance to. Based off of the information they provided I chose to wait three months for my balance to go below XXXX XXXX of the original value. I called in again and was told that I could get the pmi off, but to send a letter. This letter was sent in early XXXX informing sls that my loan was now below XXXX XXXX. I just received a response to that letter asking to authorize a valuation. Since this contradicted what sls had avised previously I called on XXXX XXXX to discuss. I was advised during that call that all they needed from me was my signature on the letter. I even clarified during that call that they did n't need the valuation form signed. She told me if I faxed it in that day I could call in on XXXX to get an update on the status. I called back in on XXXX  XXXX XXXX and was told by supervisor XXXX that they would notify me in XXXX days and that they were probably just going to send me the valuation form again. I 've been sent in circles and sls is now costing me hundreds of dollars because of there misinformation. 

I would like confirmation on if my request will be honored or if the will be requiring a valuatuon. If a valuation is required I will need this to be at the expense of sls as their company has been providing me miss information causing me to incure hundreds of dollars in pmi that is n't required on my property any longer.
I had healthcare medical insurance which healthcare provider did not bill correctly for. I attempted to explain this to the credit agency and they were not understanding of the matter. Over the past month the collection agency " California Business Bureau '' has reported negatively to all XXXX major credit agencies.
I have a Wells Fargo account, I am required to make 10 monthly transactions to avoid a {$14.00} monthly service fee. I made the 10 monthly transactions and Wells Fargo still charged me the {$14.00} monthly transaction fee. Wells Fargo is scamming customers by charging them a {$14.00} monthly service fee by stating the customer made less than 10 monthly transactions even though the customer made 10 or more monthly transactions. This has happened to me several times. It just happened again on XX/XX/19!
I recently completed a direct consolidation with the Department of Education to enroll in the Public Service Loan Forgiveness Program. After consolidating and beginning payments under the income based payments with XXXX, my loan was transferred to XXXX  XXXX. I was notified that I needed to make a XXXX payment to XXXX, but had already made a XXXX payment to XXXX on XX/XX/XXXX. It's XX/XX/XXXX and XXXX is still hounding me about the payment I made on XX/XX/XXXX. Additionally, they have required me to reapply for income based loan repayment plan even though I had already completed that process. I have spoken with their customer service representatives about this issue, but they haven't done anything to stop me from being harassed about a payment that I've already made. I expect better service from someone who is profiting from servicing my loan.
I disputed to XXXX, Transunion and XXXX the deletion of a paid tax lien ( per the Consumer Assistance Plan whereby the XXXX credit bureaus agreed to a settlement with the XXXX state attorneys generals to delete all judgments and liens. In addition, the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011. 
XXXX has quickly deleted the lien from my report but Transunion and XXXX continue to not delete the item from my credit report.
I was having some financial issues in XXXX, so I went to my mortgage company, PHH Mortgage Services, and applied for a loan modification. I was granted the modification and the payments were to be added on to the end of my mortgage. I caught back up in XXXX of XXXX but they reported the months that my payments were under the modification as late. I was told that this would not happen and it is essentially why I applied for the modification to begin with. I have written to the bureaus and to the company requesting that my credit report be corrected, but the bureaus just say it was verified and PHH Mortgage Services has not responded.
I am always sent preapproved and preselected marketing information from Chase inviting me to apply for credit. When I respond to the solicitation, I always receive an unfavorable response with one excuse or another. I called the Chase Reconsideration Department on XX/XX/2018 at XXXX to discuss my application and the representative told me that people like me are a risk because I have opened too many credit cards in the past two years. I have explained to Chase that I am low risk as I am a current business banking customer and have an established credit profile with a credit score above 750. 

Chase is unscrupulous in their business dealings within the XXXX XXXX   community with a different set of standards on how to engage. Despite many years running a successful and profitable enterprise, Chase regularly discriminates against credit applicants such as me on the basis of race and color. The actions of Chase Bank are despicable but the reality of it is nothing is going to be done about it. Worse case scenario, Chase will admit no liability and pay a fine which is ultimately paid by the customer.
On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for XXXX and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail
XXXX XXXX Email : XXXX XXXX : XXXX Ext XXXX Fax : XXXX Nationwide Recovery Systems XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX, TX XXXX My first call with this company, the initial gentleman was beyond sarcastic and laughed at what I said numerous times, even saying I have plenty of money to pay this bill. 

A couple of weeks ago, the phone is answered in XXXX and the caller said " for XXXX 's sake, it's Florida, speak in XXXX. '' Today, asking for their payment and explaining the situation, the caller said she was filing a harassment claim against me and notifying her supervisor. She called me, I didn't call her and she was in no way threatened as I know better as an attorney to do such a thing. She hung up on me. 

Their practices of harassment, sarcasm, and prejudice, and now threatening to file a harassment complaint against me is in no doubt a violation of the FCRA.
Speedy Cash calls me, and when I answer, it is an automated message saying that I have a payment due tomorrow. I have never had a Speedy Cash loan. I have returned their call multiple times to tell them to quit calling me, but I continue to receive automated calls.
Hi I sent a letter experian on the XXXX of XXXX 2015 disputing a negative item on my Experian report.I received a letter from Experian on the XXXX of XXXX saying they received a suspicious request regarding my credit report and determined it was not by me so they did not proceed with my request ( to reinvestigate the validity of the negative item and have it removed from report ) This was a way of stalling my request and keeping my credit score low.They told me to call them if I wanted this investigation to take place to call them.I called them on the XXXX of XXXX 2015 and verified that I had indeed sent in the request to investigate the negative and they assured me that they would do so.They didnt in a few days I received a letter saying it had already been investigated and they would not reinvestigate.These are stalling tactics and are discriminating against me making it impossible for me to get incorrect negative information removed from my credit report.I am sure its not the first time Experian has used these tactics and I want consumers to be aware and not to let Experian get away with these stonewalling tactics against individuals who have a right to ask the credit bureau to reinvestigate a negative item and remove it from their credit report if it is not verified within a 30 day period.
Not only I but my family members also have been harassed by the collections department of BMW financial services. I have a record phone call from them when they called my son while he was away in college. I have been told that BMW financial services called several other family members as well. I XXXX XXXX was the sole owner of the vehicle. I do n't understand how it is legal for BMW financial services to contact anyone else but XXXX XXXX. The vehicle was repossessed by BMW financial services in XXXX of 2015. Since then BMW has be fully compensated for the sale of the vehicle. Not only am I still receiving calls but this nonsense is being reported on my credit report. I am reaching out to you in hopes to dissolved this matter immediately to avoid further costly actions. BMW financial services continues to conduct business in ways that are unconstitutional. I am being unfairly treated and consistently harassed, I am physically and mentally drained from this situation.
I tried to log into my account with Capital One for my credit card to view my transactions. I was directed to a screed to verify my contact phones, email and then the 3rd box I am asked to disclose my income and employment status. The information is mandatory and would not let me bypass. I called customer service and then escalated to a supervisor. No one could provide me the information I asked for which was under what authority, or requirement was this " bullying " tactic imposed on my account. I was told they wanted this information for offers and/or limit increases. I would agree this information should be provided if I asked for an increase, but I did not! 

I have never received a notice disclosing I would be required to disclose this information on an ongoing basis! I have had this card for 15 years or more. This is the second time I have run into this type of practice by a bank/credit card company. This should not be imposed on the consumer when we have been forced to online activity by banks and then they force the consumer to disclose what ever information they are seeking or deny access to your account which includes paying your bill! 

I am upset enough I will look for another company and close this account, but the real issue with this is this affects the consumers credit rating. In my case this card has a high limit, I have had for 17 years and in good standing. Closing this card will lower my credit score! I would rather bury my money and never have to deal with banks again, the login, fraud, breaches, the extreme hassle of calling for access, the wait times ... Oh what a joy!
I have an HAMP loan wit XXXX XXXX XXXX which was sent to Nationstar Mortgage. The Hamp loan was for 2 %, 3 % and mature at 4 % in the fourth year. While completing the fourth year the Mortgage company said they are raising the mortgage interest from 4 % - 4.625 % and there are no end in sight. I applied re-modification and they said because I was on time in my payment and not in default they can not help me. I also include a divorce decree where the court request I remove my spouse name on the mortgage, they will not do it. I try to refinance with them and the said no because the property is still under water. I have no where else to go and need help. The new mortgage payment is more that 55 % of my net income and can not continue to afford it. I want to keep my home and now they hold me hostage because I have no where else to go. No mortgage refinancing company will touch me because the property is underwater. I want a permanent interest rate and not floating. Please help me. The following information is necessary Mortgage XXXX Nationstar Mortgage My name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX
I malied in list of disputes ffrom false and inaacurate information listed on my XXXX  Credit report. I did not recieve a response within 30 days of XXXX  recieving my disputes and still have not recieved any update. In addition the items listed on my XXXX  Credit report are inaccurate and negatively affecting my abilty to obtain credit.
In  XXXX , I made a room reservation at a  XXXX   XXXX . A credit card offer popped up with a visual depiction of a {$50.00} discount if i opened their credit card  ( Barclay ). I figur ed ... sure, i 'll save {$50.00} on the room. The visual credit card statement showed my room rate {$200.00} - {$50.00} credit for opening card = price of room {$150.00}. I then proceeded to accept the card offer and make my reservation. The gentlemen at the hotel said the {$50.00} would come off the credit card bill, not the reservation.     I received the bill with no discount.     Come to find out, you had to spend {$2000.00} to get that {$50.00} discount.     I inquired with  Barclay  on  XXXX / XXXX /  XXXX   and provided them with a screen shot reflecting the $  XXXX  = {$150.00} deal. I received confirmation that  Barclay  received my documentation.     They are now saying its going to be another  7-10 day s for a response.     As of today, it 's been 20 days of me jumping through hoops. During tha t 7-10 day window, my Barclay bill  will be due. I 've repeated asked them for an expedited response because i do not want to be hit with interest or late fees waiting for resolution ... however, they never address that concern of mine.     I 'm at my wits end dealing with Barclay.
Keeps calling repeatedly asking personal questions that is none of their business. Ex. After stating the time they are calling is not a good time due to me being at work they continue to ask " why did you answer if you are at work? Are you on break or something? Why did you answer if you could not talk? '' and being very rude. Had to ask several times who and what they were calling about as they were trying not to answer my questions.
I have submitted disputes to Experian on multiple occasions regarding the XXXX XXXX  COLLECTION ACCOUNT. Experian has alleged that they have verified the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ; however, have failed to substantiate how they verified that the account belongs to me. Instead, Experian forwarded me a form letter of their investigation process. Moreover, XXXX XXXX has not provided a contract illustrating that I agreed to the debt. It is also imperative to note that I am a " XXXX, '' so the alleged debt can belong to my father and has not been validated.
Equifax Public Record Information : XX/XX/2017Public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows. 

( 1 ) Name, ( 2 ) address, and ( 3 ) Social Security Number And Date of Birth Further more if Equifax can not provide documented proof of the above information in full not partial information the said Public information on my Equifax file needs to be Removed/Deleted
My request via telephone to Citi Cards was for a replacement card due to wear and tear. 

After three separate calls ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I never receiving my replacement card - a representative on XX/XX/XXXX cancelled my account without my knowledge in order to send me a card. 

I was very uncomfortable with the way the phone agent handled the call and I called back to get the tracking number for the expedited replacement card. While going through the prompts, and entering my card number the recording replied " you entered your old card number ''. This was unexpected, however due to other commitments, I decided to call back the next day XX/XX/XXXX. 

Around XXXX I visited a retail establishment, the card was declined twice for {$12.00}. Immediately, I called XXXX XXXX - the representative relayed " your account was closed and new cards were issued ''. This upset me as I have several fiscal matters of my XXXX member family tied to this card. 

After speaking with 6 phone agents on today, I had to push for compensation or miles to get some satisfaction. The 3rd agent offered XXXX miles - which was not fair in my opinion since they did not offer anything for their gross error. The second offer was XXXX miles. I was annoyed because he said XXXX miles at first but changed his statement. I can't go anywhere on XXXX miles and told him, if XXXX XXXX makes an error with my seating or other inconvenience XXXX miles is the lowest I have received. 

The last rep by the name of XXXX was a stone wall robotic figure who did seem to care about both a husband and a wife on the phone asking for our Annual fee on the card to be compensated or XXXX miles. He stood by XXXX and did not care less of all of the undoing and manual contacts my husband and I have to make to remove the old card number and add the new one. 

XXXX, XXXX and XXXX offered to make an internal complaint of XXXX the culprit who made the error on XX/XX/XXXX and XXXX the Supervisor who blatantly lied to me about getting the card send XXXX this morning around XXXX. 

The same error escalated into a calamity which Citi Cards will not own. 
I want XXXX miles and compensation of the annual fee. This is the least Citi Cards can do for all of the trouble XXXX caused by misrepresenting me when he checked off the boxes that he advised me my account would be closed when he did NOT. 

XXXX XXXX needs to make this error right without delay.
Nationstar Morgtage needs to be reviewed, monitored and stopped in reference to : 1. Harassing inappropriate communication with mortgage holders. 
2. Inappropriate statements being sent to foreclosed mortgage holders. 
3. Unwillingness to work with HUD housing counselor - lack of knowledge on how HARP works, how foreclosure works and over all mortgage process for up to date assistance to mortgage holders. 
Nationstar bought my mortgage in XXXX XXXX and final foreclosure occurred on my property in XXXX XXXX. I was forced into bankruptcy XX/XX/XXXX and the bankruptcy was finalized in XX/XX/XXXX, which canceled my complete mortgage debt bought by Nationstar. Even though my property was foreclosed on in XXXX XXXX and my bankruptcy canceled my mortgage debt ... .Nationstar continues to contact me by phone and letters. There is NO reason for this contact and months after the finalized foreclosure if my property this contact is HARASSMENT! 
Nationstar is also sending inappropriate, misleading financial statements expecting payment for fees and charges Nationstar has accrued due to the foreclosure of my property. Even though Nationstar calls the statement " Informational '' these fees and charges are NOT MY RESPONSIBILITY - so what right does mortgage companies have for sending out misleading and false statements? 
" INFORMATIONAL STATEMENTS '' are wrong and must be stopped ... .how much money has mortgage companies gained from knowledgeable highly targeted seniors???? 
In discussion with housing counselor in WA state I was told to send Nationstar a certified USPS letter telling Nationstar to stop all communication immediately. Nationstar has ignored my letter and has stepped up contact by sending more letter even documents for escrow ... .why????
Credit Inquiries 1. XXXX XXXX XX/XX/2017 2.XXXX XX/XX/2017 3. XXXX XX/XX/2017 4. XXXX XXXX. XX/XX/2017 5. XXXX XXXX XX/XX/2017 6.  XXXX XXXX XX/XX/2017 7. XXXX  XXXX XX/XX/2017 8. XXXX XX/XX/2017 All were dropped off and some how appeared back on my credit report. drooped my score 28 pts