WillisBack/dataset-financial-user-claim huggingface dataset:
Re : Kohls Dept. Store. I made a small purchase of {$100.00} on a Kohls credit card. I paid off the balance on the first XXXX bills received, but the payments were late -- I believe that the bills came late. 

Kohls has been piling on exorbitant late fees since then, now well over {$100.00}, and further : they have been calling me **at XXXX literally every Saturday** for a couple of months, and now on Sundays as well, even though I 've told them on the phone to stop. This is harassment and a grossly excessive tactic, given the small amount in dispute. These are " live '' calls -- I also get XXXX calls daily on weekdays which I believe are robocalls. 

I charged {$100.00} at their store -- it does n't entitle them to ruin my sleep indefinitely. I will be sending them a letter asking them to stop the calls, but the very fact that they do this deserves notice and a complaint.
Coinbase support not responding I have already opened a support ticket on  XXXX / XXXX /2017 Case #  XXXX .
I lost my phone and did n't have the backup code to restore   XXXX   XXXX  
I tried with the wizard to verify the identity but it say document is unreadable, same ID I used to verify the account a few months ago.
The problem is the lack of support, they do not have a support phone line and it is not possible to write direct mail.
The first time I received an automatic mail telling me to wait up to 72h, since then 12 days have passed. I tried to contact them via other channels (   XXXX   and  XXXX  ) but I have never received a response.
I 'm frustrated because I have access to the mail used to sign up for their service and the   associated cell phone number, but I still can not access my funds
On a daily basis, I 'm harassed by Navient debt collectors. They 've called my house anywhere from XXXX XXXX repeatedly. They 've called my mother 's job repeatedly and has harassed her co-workers on her whereabouts giving them information that does n't concern them. I understand I 'm unable to pay the amount they 've requested at the moment due to financial hardships but we have offered to pay half of what they have requested until my financial situation changes. There rude, disrespectful, and have asked me to put myself in more debt just to pay there loan. It 's just ridiculous now. They continue to harass my mother with wage garnishments, and property liens. We 've spoke with someone continuously about the same thing and there 's no resolution just the same outcome.
I received mail from Navient saying they had processed my request to enroll my loans in a XXXX Repayment Plan. I did not make this request. I called customer service & was told that everone leaving school os automatically enrolled on this repayment level. I think this is a form or fraud considerimg the XXXX Repayment Plan has higher interest rates. Also of this is automatically done how come the paperwork says Ibrequested this?. I asked to speak with a supervisor & also get a complaint address or number & was transferred to a Navient XXXX instead.
This is the fifth time I 've complained to the cfpb about Citizen 's Bank, my loan number XXXX. Nothing has been resolved, corrected or done and they continue to harrass me by telephone ( I filed a cease and desist letter to them via certified mail on XXXX XXXX, 2015 -- it was signed for by " XXXX XXXX '' on XXXX ). This time, they cashed my check on XXXX XXXX, 2015 and it was posted to my bank on that date -- yet I 've received XXXX phone calls on my cell phone XXXX XXXX and XXXX and XXXX at my place of business on XXXX XXXX. Not only did they have my mortgage money, they have ignored the cease and desist letter. I have been written to by XXXX XXXX, of the Office the Chairman -- her direct phone number is XXXX. She never is at her phone, never returns phone calls and sends silly letters out stating that they are " researching the matter within 15 days. '' I would like to know another agency with more strength than yours, for me to contact regarding their harrassment, oversights and just plain ignorance of the federal laws. If you direct me to engage a lawyer, please advise me first of an attorney general, federal or state, that would first listen to my complaint. These calls are causing me intense stress. I have been waiting on the phone now for a " customer service specialist '' from Citizen 's Bank for XXXX minutes and have told them that I am notifying your agency again. They have said at XXXX. XXXX time on XXXX XXXX, 2015 that they are " escalating the call ''. I am asking your agency to intervene and help me before, at my age of XXXX, I suffer XXXX from the stress they are putting me under.
UDAAP violation from Synchrony Bank through their online banking platform. 

I made a payment through Synchrony Bank online banking which showed that I was due for XXXX XXXX. This was on the XXXX of XXXX. 

Thursday XXXX XXXX I was sent an email from them saying I missed my payment. Friday XXXX XXXX I was sent a text from them saying I missed my payment. 

XXXX XXXX XXXX I was able to call Synchrony Bank. The automated system said I was due for XXXX XXXX. Although the automated system and a phone representative said I was due for XXXX XXXX payment. 

If I did not pay until XXXX XXXX I would have a credit report. They did give me an e-mail and text but they were in direct contrast to what their online banking, automated system, and employee told me I was due for. 

This is a deceptive practice.
Made defer arrangements car payment with Ally Financial by phone. Their representative who acted on their behalf said eligible, sent paperwork, and I sent $ $ as told to make active defer as told. Case # XXXX. Two month defer beginning and including XX/XX/2018 if I sent in {$160.00} and I did and got confirm for that. Was told I have to pay more money to them XX/XX/XXXX for {$110.00}. Ally harassment of me non stop. Two sample days on phone harassment : XX/XX/2018 : XXXX XXXX., XXXX XXXX   ; XXXX XXXX  phone calls. XX/XX/XXXX : XXXX XXXX, XXXX XXXX  ; XXXX XXXX Harassment began day after they got my . Tried working with them calmly when they began harassment. Did not work. Advised them not to call any more. Did not work. Began yelling and cursing at them doesn't work. Put phone status on not accepting any calls. Now they are sending threatening letters and got my first one on XX/XX/XXXX in PO Box . It is dated in XX/XX/XXXX and telling me I have until XX/XX/XXXX or they will take action. They also charged my checking account after date of defer causing more fees to me. XXXX XXXX XXXX vehicle
I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of XXXX, Transunion and XXXX
This is in reference to my ongoing dispute with bank of America case number XXXX. A resolution specialist named XXXX left me a voicemail to return her call. On XX/XX/2016, I left her XXXX voicemails before she returned my call. She said she will " INVESTIGATE '' and she will call me back on XX/XX/2016 which she never did. During the conversation, I asked her for written correspondence instead for her " findings '' and SHE REFUSED. She refused to mail, email or fax as a form of correspondence, she said she will call, maybe to avoid incriminating herself in writing. She attached a document, a letter dated XX/XX/2016 a letter which was supposedly have been mailed to me which I have never received. Today is XX/XX/2016, and I presume that letter was written and attached to my ongoing case for the sole purpose of showing she " responded ''.
I turned XXXX last year. My property taxes froze and I sent XXXX XXXX XXXX this information. They recalculated my mortgage and reduced my payments. However, the calculation was in error resulting in a $ 12,000+ escrow shortage and double mortgage payments in XXXX and XXXX of this year. I have made up the shortage as soon as I knew exactly what the full amount was. I expected my payments to go back to the recalculated amount for XXXX and XXXX since I immediately made up the shortage ( at unexpected expense to me ). However, BBVA is telling me I must still pay the double payments until year end because the recalculation was already done and they " will just start fresh in XXXX ''. this is NOT acceptable. This wasn't my mistake and I made it right. Now I need AT least XXXX back to the recalculated amount or the difference placed in back in my escrow account.
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX - This account was charged off listed with wrong balance please delete. 

2. ACCT. NAME : XXXX XXXX XXXX - These 2 accounts were charged off and listed with wrong balance please delete. 

3. ACCT. NAME : XXXX XXXX - This account was charged off listed with wrong balance please delete.
XX/XX/2016, I contacted CitiMortgage once I notice that we were behind on the mortgage. At that time, we were four months in the rears. I contacted the modification department hoping that I could set up a payment arrangement through loss mitigation department. Our specialist was XXXX XXXX who worked with us all the way until recently XX/XX/2016. I have sent all the required documents at least three times even after she said all the information was in. On several occasions she told my husband and myself that other people were more urgent because they were actually in foreclosure. In the mean while they expressed that our case would be closed if we did not sent in more documents, which often were the same. We hurried to send in all request even if they were duplicate by email within the two-day window given. We wrote countless letters explaining the same information. In addition, were required to give information such as my teachers ' contact which had nothing to do with determining my salary thyat was verfied by others in the loss mitigation department. Each time our specialist informed us that the loan officer was requesting all these documents. At this time we 're now more than 5 months out without a resolution of a plan. In the meantime, XX/XX/2016, we received foreclosure letters. We sent the court a letter stating that we would like to have a mediation to come up with a plan to keep our home. All while Citi gave us a new case specialist who yet once again asked for updated information in which we are still complying to date. Also, we consistently received conflicting information from the loss mitigation phone line, supervisors, and specialists. 
This has really caused a hardship and we feel we are in limbo. We have made every possible effort to have resolution yet nothing has happened.
Equifax negligently allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. Their failure to secure my data has compromised my entire credit history. I have not yet been the victim of identity theft, but I am certainly at a huge risk. I checked their website to see if I was at risk for being impacted, and it said this : " Based on the information provided, we believe that your personal information may have been impacted by this event ''
I 've contacted MCM via certified letter on XX/XX/XXXX about the inaccurate information that was being reported on my credit. I ask for Validation of account, on the first attempt the sent me a letter with the creditor, account number, charge off date and charge of balance. In a second letter I explain that the the information that they are reporting is in accurate and incorrect. I received another letter on XX/XX/XXXX with a copy of a statement, with a previous balance of XXXX, pass due amount of XXXX, fees charges of XXXX and interest charged of XXXX The original credit limit was XXXX, but says new balance is XXXX. I asked that they show purchases when and where, payments made to the account, ect. They stated they have notified the 3 credit bureaus to change status to DISPUTED. Due to a government hack in 2016, I 've had to make sure all credit info and accounts are accurate an are my account. This account has been paid through another collection agency, but now I have MCM and another company trying to collect on the same debt. I just want the matter resolved, and handle. And my information to stop being sent to different collection agencies trying to collected on a debt that has already be paid.
Disputed Same collection Account/ Amount from creditor with a diffrent collection agency ( XXXX ) already.

All major credit bureaus removed derogatory mark from my credit report a year ago.

Now new collection agency attempt to collect asking to settle and harassing me.

Why is it possible for the creditor to continuously send my information to other collection agency if account has been previously disputed/closed and they have full acknowledgement of that?? Who is responsible and how is this fair to the consumer ( me )??
I upgraded my credit card because of a XXXX bonus rewards offer if I met a certain spend threshold. I did meet the threshold well before the deadline, but I am told that I was not qualified for the offer. I upgraded my card by clicking on a link on the website that said I would receive XXXX bonus rewards. This is deceptive as I upgraded on the basis of the economics the bonus points presented despite a {$450.00} annual fee + {$170.00} supplementary card fee.
After making on time monthly payments, DiTech has decided to report me XXXX payments late to the credit bureaus. In addition, they continue to state i owe monies that i do not know. they claim it is due to escrow shortage however, my escrow statement from XXXX/XXXX/16 shows an overage.
XXXX XXXX sold my old account to a collection service. I hired XXXX XXXX in XX/XX/2017 and disputed the collection account. It was removed in XX/XX/XXXX/XX/XX/2017 from all credit reporting services. Most recently the account was sold to another agency XXXX XXXX XXXX in the amount of XXXX. They are attempting to collect a debt that was already disputed and found in favor of me the consumer and dropped from my reports. It has now been added once again under a new firm. I called and explained this to them and they acknowledged the dropped dispute but then proceeded to try and tell me this was for a second line. They provided no proof and i was never notified of such an account.
CONTACTED SERVICER XXXX=CUSTOMER SERVICE REP STATES THAT XX/XX/2018 ESCROW ANALYSIS WAS COMPLETED AND SENT TO BORROWER VIA US MAIL , SHE PUT IN ORDER TO EMAIL ESCROW ANALYSIS, AND WE SHOULD GET IT IN 24-48 HOURS THE CURRENT PAYMENT AS OF XX/XX/2018 IS {$680.00} UPB $ XXXX..UNAPPLIED/SUSPENSE BALANCE $ XXXX.SHE TRANSFERRED US TO DEFAULT DEPT ... .... 
1ST REP XXXX/ID XXXX=SHE STATED BALANCE DUE WAS XXXX 3 MONTHS DELINQUENT BREACH LETTER WENT OUT. 
1ST REP XXXX/ID XXXX ... SHE PUT IN TICKET/CIT REQUEST TO REQUEST THAT FUNDS IN UNAPPLIED BE PAID TO XX/XX/2018 PAYMENT, SHE PUT IN THE SYSTEM THAT THE BREACH LETTER IS NULL AND VOID NOW. THE BALANCE SHOULD NOW BE {$2300.00} ONCE UNAPPLIED FUNDS POST TO ACCOUNT.

WE ASKED IF THIS BANK ERROR, ( SENDING PAYMENTS BACK SUCH AS XX/XX/2018 RETURNED {$580.00} THAT IS SET UP ON AUTO DEBITED FROM HIS CREDIT UNION ACCOUNT BY HIS CREDIT UNION ) HE WOULD HAVE LESS OF A DELINQUENCY BALANCE AND SHOULD NOT HAVE INCURRED ANY LATE FEES. REP RESEARCHED THIS QUESTION AND STATED=SHE FILED ANOTHER CIT TICKET TO HAVE LATE FEES REMOVED FOR XXXX, XXXX AND XXXX WHICH is PENDING AT THIS TIME, REP NOT SURE HOW LONG THIS WILL TAKE TO ADJUST.. MR XXXX REQUESTED THAT THE ADJUSTED/CORRECTION BE EMAILED, REP STATES IT WOULD NOT BE READY SINCE SHE  JUST SENT THE CIT TICKETS, HE WILL NEED TO CALL BACK TODAY OR TOMORROW. 
As of this date they have not completed the CIT tickets Completing the tickets would give me the actual balance due in order to bring my payments current. I pay my mortgage through my bank auto-pay. My payments were never late. 
They force applied insurance when I have insurance, made payments to the insurance company out of my mortgage payments. Wanted me to pay them {$3800.00} by XX/XX/2018. 
Charged me late fees when I was never late due to auto-pay. 
Have not completed CIT tickets so I can bring my account current.
I deposited the Money Order on XX/XX/XXXX it was approved the next day a hold was put on my CASH MONEY this money order was cashed on XX/XX/XXXX that XXXX XXXX as stated funds were released on the XX/XX/XXXX CASH MONEY this was a Money Order Cashiers Check this was done by the XXXX CA brach with the two very bias Predjuice Bank mrg.XXXX XXXX and XXXX XXXX deceitfully and illeagall holding My CASH MONEY without any reason they have received the funds and has refused to release the hold off my CASH MONEY when XXXX XXXX has confirmed the Money Order was CASHED XX/XX/XXXX this is FRAUD and they are FRAUDULENT holding my CASH MONEY till XX/XX/XXXX WHY?
Ive contacted Transunion multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. I sent Transunion a copy of my fraud affidavit with supporting documents and a list of accounts that are reporting on my credit file which do not belong to me. Transunion has removed all but one account according to what shows on my credit report dated XX/XX/XXXX. 
There is a Bankruptcy that shows on my Transunion credit file on, dont belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to rcve this information. All I have rcvd from Transunion is a statement on my credit report thats says they verified the Bankruptcy through a third party Company XXXX, but Ive called XXXX spoke with a representative about the verification and was told that no one called from Transunion to verify a Bankruptcy on my file, that they use automated systems to validate accounts by entering consumer data, which sometimes can be in accurate as in my case. I rcvd a copy of my consumer file from XXXX and there is no Bankruptcy showing on my file with them. I forwarded a copy of my fraud affidavit along with my supporting documents which clearly stated that this is a fraudulent file. 
The following Inquiries showed up on my Credit Report, which I have never applied or authorized anyone to apply to these companies in my name for credit, nor have I authorized any credit inquiries from these companies : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX ( duplicate credit pull )
I have disputed the same information with another credit bureau and got a timely response and items deleted, however, this credit bureau has not responded even though I sent the request by certified mail and I have proof of receipt date XXXX days ago. This has caused me to be denied for credit, has prevented me from obtaining additional employment and has caused great strain on my health and well being.
Experian recently added a collection on my credit report. The collection name is XXXX XXXX XXXX in the amount of {$290.00}. This collection is an old collection that was deleted from my crdit report and now being reported by a different collection company. I never recieved notice about this collection company, I monitor my credit report very closely and I have never even knew they were going to report this on experian. This is the only credit burea they have reported on. This amount is no longer owed.
In its statement dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX charged {$50.00} for service they said on XXXX/XXXX/XXXX, more than three years ago. Luckily, I had a copy of statement of my insurer indicated I paid in full in my copay for the service on that day, and I sent a copy of the statement contesting the charge and asked them for the reason why I am charged.They never provided more information or explanation of the charge, but keep charging in their statement dated XX/XX/XXXX,XX/XX/XXXX, and another one without date about a month later despite my repeated request for explanation every time I received such a statement. Finally, on XX/XX/XXXX, I received a phone call from an agent of Chase XXXX agency at both office phone and cell phone asking my birthday without explanation what for they are asking despite my repeated request. Since I could not recognize Chase XXXX XXXX, I told him I could not disclose my personal information without knowing what it was for, he hung up saying he would proceeds on collection process. When I return home late in the evening on that day, I received statement from Chase Receivables of the same charge that was referred to the collection agency with past due warning without any explanation of the charge that I have repeatedly requested for. I will be happy to pay if they provide me with good explanation for the charge, but they never provided me with one despite my repeated request, but forwarded the charge to collection agency. I am afraid that will adversary affect my credit record.
Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with OneMain. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly