WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Madam/Sirs : I have two credit cards with XXXX XXXX. I have been unable to pay due to reduction in income and no income over the summer as I contract with the school system. My issue is that they have started calling relatives in another state who are not on my credit cards or credit application at all. I am not sure how they got their phone number unless they researched my personal information to include relatives. I received a call from my uncle in another state - XXXX XXXX XXXX - who stated he had been receiving calls from XXXX XXXX. He deleted three weeks ' worth of calls, but I asked him to record them. HE IS NOT AN additional card holder but I had to check this on complaint in order to send this complaint online. As of now, XX/XX/XXXX, he has received a call on XX/XX/XXXX at XXXX XXXX at XXXX  and XXXX XXXX on XXXX. I feel this illegal activity on behalf of XXXX XXXX. Thank you. 

Sincerely, XXXX XXXX XXXX
My direct deposit was still set up to my account before the account was terminated on XXXX XXXX. When i asked the teller over the phone what would happen to my direct deposit money from my job she told me the money would be rejected and sent back to the sender. This, in fact, did not happen. Instead, i was misinformed, and this was accually sent towards my negative balance and accepted as a " voluntary payment ''.
Ally Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Fraudulent practice without validation by Montery Financial Services LLC hereafter referred as MF. 

I spoke to a rep at MF 2+ months ago when we received an email in our junk folder, no mail, what kind of company does not send a collection letter via mail. 

Regardless, I called MF and spoke to them about the issue. The issue here is that MF decided to do collection for XXXX XXXX situated in XXXX for maintenance fees of the timeshare. I explained to them that when I called XXXX XXXX  in 2017, every employee I spoke to, they said that we no longer are the owners of the resort because it's under new management. They kept telling me that our ownership was with XXXX XXXX that went in bankruptcy and the takeover by new owners, XXXX XXXX, does not extend club ownership to XXXX members. 

So what was baffling is that they insisted I should make maintenance payment because we have privilege to use the club without ownership. Well frankly, we'd like to sell our timeshare if we still have the ownership and this is what I was unable to achieve in 2017 if we could confirm that we still owned it. Doing some online research, I came across forums and prior XXXX owners all had the same concern on loss of ownership. 

I explained this to MF rep and she promised me to get back with confirmation of ownership but didn't. A month ago, I was left a voice message saying MF is calling back but no details were left in the voice message. I called back immediately but ended up leaving a vm since their lines were coming busy. 

Till date, MF has not provided a valid reason to place a debt collection on our credit report of my wife and mine. This seems to be very unfair practice by Montery Financial to place a debt collection on our credit reports.
This letter is to inform you that XXXX, Equifax and XXXX have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX XXXX X/X/16 XXXX XXXX XX/XX/16 XXXX XXXX XX/X/16 * XXXX XXXX  X/XX/16 XXXX X/XX/16 * XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/X/16      XXXX X/XX/16 * XXXX X/X/16 XXXX XXXX X/XX/16  * XXXX * XXXX XXXX Thank you, XXXX XXXX
When my student loan payment was set up, I had a different employer, and my monthly payment was set, based on how much money I made with that employer. Now, I no longer work at that company, and I make significantly less money, because I'm working for myself, starting a new business. My loan payment is so high, it is more than I pay for my mortgage, and I'm struggling to make my monthly payments. I physically don't have the money to pay such a high amount every month. I've contacted my student loan company, Sofi, several times ( most recently on XX/XX/18 ) to explain that I need to lower my monthly payment to an amount that reflects my new income, but they tell me there's nothing I can do. My account is now delinquent as a result. To make matters worse, they raise my interest rate every month, making this physically impossible to ever day off in my lifetime. I've already paid back the amount I borrowed and then some, ( over the last 13 years ) but still owe the same amount I started with. I'm just looking to simply lower my monthly payment to a reasonable amount that I can keep up with. Please help.
I have been paying for a monitoring service from XXXX XXXX XXXXXXXX for the past 2 years and I have not been able to get all 3 scores only XXXX .... but I am still being charged every month. Despite the excessive hold time .... I still call them and I am being told that Equifax does not have my correct social security number. I have called Equifax and they have not been able to assist me even after I have sent them a copy of my social security card and my DL. I can't get my score from XXXX either.
Balance {$170.00} Opened XX/XX/2015 ( 2 yrs, 9 mos ) Account status Open Placed for collection Original Creditor Name XXXX XXXX XXXX DPM CHOICE RECOVERY INC XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX called this number yesterday to settle a lower amount and they hung up the phone on me this has been on my credit report since XX/XX/2015, after the doctor 's office said they would not charge me after I drove there in person to get this resolved they said all was taking care of months and months later I got a ding on my credit report, and I called them and they said I had to pay it. I have been mistreated by this error on there side
Company continues to call government work phone even after being notified that personal calls can not be taken and to stop calling. Most recent calls are XX/XX/2019 at XXXX, XXXX, XXXX.
I filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be XXXX XXXX out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.
This is not my account I do n ot have an account with XXXX Debt Collector Original Creditor Balance Owed Reported By XXXX. XXXX XXXX {$390.00} Equifax
I open an account with US Bank XXXX 2016 they were offer an {$100.00} reward if you open an account have a direct depost they will give you {$50.00} and the other {$50.00} you will get once you pay a bill ..I set up direct deposit .. did not get the {$50.00} I paid a bill did not get that one either. So in XX/XX/XXXX my account became over draft and i do have that protection they charge me {$36.00} twice and then turn around and charge me {$25.00} twice so i call to see if we could resolve this and they told me that i have another {$25.00} dollars that will be charge on Monday I said I have my SSI check coming on XX/XX/XXXX in all I think that i have paid {$140.00}. dollars in over draft fees
I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with my signature. These are the certified mail tracking numbers XXXX along with numerous of other attempts to remove this invalid debt.
We mail th e Seterus mortgage  payment between/on the   XXXX   on the month since the due date is the  XXXX . It is mailed in the  Seterus com panies ' envelope along with the payment stub provided b y Seterus. If th e payment is received before the first of the month, the  Seterus  always applies it to the principle amount of the loan and not the current payment that is on the payment stub tha t Seterus provides to us. This happens on a repeated basis with this mortgage company. Seterus tells me I have to pay it online if I do n't want this to keep happening. I   do n't want to pay online nor should I have to be forced to pay online.    Seterus called today to say that I have n't paid for this month, which I have ... .Seterus posted the pay ment on   XXXX   XXXX  . When I explained tha t Seterus nee d to reverse the payment, they said no and said that I still owed for the   XXXX   payment and hung up on me. So my wife called back and she was told that the interest on this loan is accrued quarterly which is NOT TRUE and she knows this is not true. I pay interest every month and it is stated on the statement. I have the right to pay this on time and Seterus should make changes in their system or explained to the human being that opens the envelope and sees the payment stub to apply it to the payment that is posted on the stub it is mailed in on that they receive from us. This keeps recurring, why  wo n't Seterus appl y the correct payment on time?
TransUnion REFUSES to answer the question ; What is the definition TransUnion uses for the word Accurate? 

TransUnion has no requirement/need to access my files to answer this question. 

FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY
I 've had a capital one credit card for over XXXX years and my annual fee just posted this month. I 've been trying to product change or downgrade the card to a card without an annual fee but they keep saying that it is not an option. I do n't want to pay an annual fee for a card that I do n't use often. I do n't want to close the account because it is my oldest line of credit.
Bank of America/ MBNA did not follow through regarding a payment plan as described. I have been following up requesting information and communication in writing, and MBNA refuses. This is causing me XXXX and damages.
From XXXX XXXX, congratulations on paying off your student loan! 
In today 's world, it 's not always easy to manage debt, use credit wisely, and keep up with the demands of your career and personal life. But you 've done it, and we applaud your success.
I had a debt that I was trying to pay off. In order to pay it off I used a balance transfer check from Capital One in order to have 0 % APR for one year. Five months later I realized that I was getting charged interest of 26 %. I called and they told me that there was some mistake and there is nothing they can do. Essentially, saying I used an expired check. However, I 'm pretty certain I did n't use an expired check. I asked for a copy but I 'm not getting one. And, they agreed that if the check was expired, it should have never been valid. I called again because it was very clear why I used a balance transfer check. Now they are refusing to return my interest of {$440.00}. They are saying there is nothing they can do.
On XX/XX/2018 I reported a case with COMPLAINT id # : XXXX-XXXX and XXXX-XXXX. 

I have already made payment of {$270.00} to XXXX XXXX , XXXX XXXX on XX/XX/2018 on behalf of XXXX XXXX Hospital in XXXX Texas and XXXX XXXX Hospital is aware of it. 

Though the payment I made was not refunded back to me but immediately after that payment I started receiving another mail from XXXX ( XXXX XXXX XXXX ) XXXX. XXXX  XXXX, XXXX, OH XXXX asking me to pay {$240.00} for same purpose ( for visiting XXXX XXXX Hospital in XXXX Texas ). 

I called XXXX XXXX Hospital in XXXX Texas today and they told me my account is {$0.00} balance because I settle last 2 months. I later call the XXXX XXXX XXXX and they insisted I must pay the {$240.00} and when I tried to explain to her, she will only say your case will be reported to credit bureau. 

The Reference number they gave me in the mail is : XXXX and pin : XXXX and amount is {$240.00}. I am not owing XXXX XXXX Hospital in XXXX and XXXX XXXX XXXX need to delete my  information from their database. Thanks for your usual support.
I live off XXXX and about {$1000.00} a month part-time work. The company I work for does captions and subtitles. It 's run into financial troubles, so often the checks are late, and a couple of times the check has bounced. This month, I have about {$10.00} in my checking account with Bank Of America when I deposited this week 's check. Because of my employer 's prior history, they put a hold on the check over the weekend. Okay. But now they told me they are holding the check until XXXX XXXX! I called the boss, and he said the check had cleared his account on XXXX XXXX. I talked to customer service, and to someone at my branch, about why they were holding the check longer, and I never got an answer. My rent check will hit that account soon, and I will be in overdraft, with my credit card linked for the overdraft protection. But meanwhile, they have my paycheck. All they are accomplishing is forcing me to take, in effect, a payday loan. I will pay it with my check next week, plus interest. How else can this be understood?
I have been monitoring my credit carefully for the last 6 months. I am applying for a home loan. I was notified today that Progressive Management XXXX is now reporting a new collection account for a medical bill. I have been at my address for over 2 years and I have not received a single notice or call from Progressive to validate this debt accrding to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). They have made no attempt to obey the law. I have faxed them a request to validate the debt and a copy of their HIPPA compliant agreement with the creditor. I have not had any medical bills that would fall under this category so I believe they are simply re-aging this account.
I made a payment to the Bank of the Ozarks on XX/XX/XXXX of  XXXX, using the portal my Home owners association/property management provides in the email they send every quarter. The payment was withdrawn from my bank account on XX/XX/XXXX .The home owners association/property management payment is considered late if received after XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from the home owners association/property management stating that my payment was late for XXXX. I called the accounting office on XX/XX/XXXX at XXXX and talked to the manager/supervisor and she told me, yes my payment was considered late since the payments that are made through the portal they provide from Bank of the Ozarks, the bank then sends them the ledger with the date of receiving the payment and then, posting it at their liberty could be 2-5 days after payments are made. I told the manager that my payment was made and funds withdrawn from my bank account indicating my payment was in fact made on XX/XX/XXXX at XXXX. She then told me it was my fault for not making my payment with sufficient anticipation. I told her I had the receipt stating my payment was made on time as well as the receipt of the funds withdrawn from my bank account for payment on XX/XX/XXXX. She told me that's how Bank of the Ozarks post the  payments at their liberty, so I should talk them. I then asked her for the phone number that handles the posting of the payments, and she told me she couldn't provide it. And advised me to pay the late fee or I would be facing other interest charges.
GMAC vehicle lease turned in date of XXXX XXXXGMAC company is absorbed by Ally. 
Credit Bureau never reflected lease termination when dealer sold vehicle to new owner as a sale vehicle. 
Credit Bureaus shown I owe {$9200.00} as of XX/XX/XXXX. Negative derogatory remarks for outstanding amount owed. 
Ally would never correct information to reflect positive account. 

Vehicle was purchased as a sale by new owner XX/XX/XXXX for XXXX paid over {$900.00} in sales tax in XXXX XXXX County where vehicle was returned. 

Same owner who purchased the vehicle XX/XX/XXXX currently still owns the vehicle. 

All transactions took place in XXXX Fl. 

The sale occurred before the credit bureaus were notified I owe remaining balance as of XX/XX/XXXX. 

GMAC went out of business Ally took over their obligations. 

No one at Ally will talk to me to resolve this issue in the last seven years. 

Florida Vehicle Title number XXXX sale date XXXX for vin number XXXX for XX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

Anyone who runs the vin can see this same information of the current owner name and address who paid XXXX and over {$900.00}! in taxes. 

Clearly Ally never updated GMAC records as GMAC went out of business. 

I am left to carry the financial burden and negative credit bureau mis information.
I had multiple accounts with TD Bank for a year or two and then ran into financial trouble. A check bounced and one of my accounts with TD was overdrawn and subsequently closed out by them due to the negative balance. I assumed they were closing out my other accounts as well however they are telling me that they have placed a " freeze '' on these accounts which means the funds cant be touched and the accounts cant be closed until I pay them for the one account that was overdrawn. They are still charging me fees on accounts every month even though I cant access the $ 400+ still in the savings and checking accounts and it seems illegal to me.
I paid the XXXX {$920.00} instead of {$920.00} and they attempted to evict for {$2.00}. The judge dismissed the eviction case and closed it. After I moved out of the property, the apartments filed a small claims judgment against me for the rent money that accrued DURING the eviction case. It is illegal to collect rent during an eviction case. I was never served with court documents. There is court record that XXXX - XXXX XXXX was served, but I am XXXX tall - XXXX and was not given a chance to appear in court. Because I did not appear, the case defaulted and the property has place a {$12000.00} debt on my credit report that I am not responsible for and that has caused me and my XXXX small children homelessness for the past 5 years. I was granted a XXXX to Vacate XXXX but by the time I found out about it being on my credit report, the judge said the case was too old. I also filed a complaint with the XXXX XXXX XXXX XXXX and I spoke with XXXX Consumer Affairs this afternoon and he advised me to take these following steps. Please help us. This is not fair. I am a working, single mother and this is and has been the ONLY obstacle in my way for providing a good home to my children.
Equifax for the past year, continues to report inaccurate false information despite me providing evidence alleged debts and accounts do not exist. I am experiencing major adverse consequences as a direct result of Equifax not reporting accurate information as per the Fair Credit Reporting Act and statute of limitations under State of New York.
I went through a divorce. The court ordered my ex husband to pay ALL remaining marital debt. That time frame would be from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I need these debts removed from my account, because he agreed in court, the judge ordered it, and I should no longer be responsible. This goes for accounts in collections, student loans on hold due to forbearance, and any other remaining debt within that time frame. Also I need to update my name change and address. I will attach all documents.
I have a vehicle that went into reposession with Santander in between XXXX. This account is listed as charged off. A balance of {$1.00} reflects every month as 90 days past due. I called Santander to ask them to change this account to a XXXX balance. They would not do so, nor allow me to pay a {$1.00} balance. Instead I was asked to call a separate phone # /department first. After calling the separate department that I was referred to, the representative informed me that I must pay additional fees ( between $ XXXX {$800.00} ) before they would consider removing or XXXX out the balance. I have never been notified of these outstanding fees and feel that I am now being held hostage by fees that I have never been advised of. I feel this creditor has an obligation to my credit profile to report fairly and accurately. I tried to satisfy the debt and am now being advised of new charges that I 've never been shown an accounting for.
It has become apparant that the Data Breach in Equifax has caused considerable damage to XXXX of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from alXXXX XXXX reporting agencies and new social security numbers issued
The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release, there was no restriction to XXXX cashback earnings. A few weeks later, the terms and conditions added more restrictions and put the burden on consumers to provide receipts. This is not acceptable. I personally incurred financial losses for buying an XXXX and applying for a new Discover card. I needed the cashback promised to be added to my account.
Credit Management by way of XXXX XXXX contacted me about a cable bill that was due upon disconnecting services. I paid the balance down to {$0.00}, however, the account is still showing as a collection on my credit file.
Chase Bank has charged me a total of XXXX XXXX overdraft fees since XXXX. When I opened up my account I signed up for mobile alerts and email notifications to help keep track of my finances since they are offered by the bank. I do not receive any of these notifications. Chase in fact has charged me overdraft fees while my direct deposit is in my account in pending status. This situation has created an effect where now I ca n't balance my direct deposited income versus these fees. When I call customer service no one is able to help me and when I tried going to my branch they also turned me away. 

Chase also reversed a merchant dispute with no notice for charges that were a result of fraud at a nightclub. The denied re-opening this dispute.
I 'm being sued by a predatory debt collector .they claim to have purchased a debt that they say is mine. They claimed to have purchased debt in XX/XX/2016 and are suing me as of XX/XX/<YYYY> XXXX. I never had this debt, it has never appeared on my credit report before.the dates they give place me living with my parents at the time and I did n't have a utility bill in my name while living with them