WillisBack/dataset-financial-user-claim huggingface dataset:
Over the span of two weeks, I have received 26 calls to my cell phone from a debt collection company by the name C B E Group. My phone automatically rejects calls from this company but keeps a record of calls rejected. It is my understanding that it is in clear violation to make multiple calls to a number in a 24 hour period in an effort to collect a debt. I do believe it is considered harrassment. I would like the calls to stop and to pursue legal repercussion in regards to this harassing behavior. 
XX/XX/XXXX XXXX @ XXXX XXXX 3 times in one minute @ XXXX XXXX 2 times in one minute @ XXXX XXXX XX/XX/XXXX XXXX @ XXXX XXXX 2 times in 1 minute @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX 3 times in one minute XX/XX/XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX 2 times in 1 minute XX/XX/XXXX XXXX @ XXXX XXXX @ XXXX XXXX 2 tines in 1 minute XX/XX/XXXX XXXX @ XXXX XXXX 3 times in 1 minute @ XXXX XXXX 2 imes in 1 minute @ XXXX XXXX  XX/XX/XXXX XXXX 4 times that day XX/XX/XXXX XXXX 2 times that day
Southwest Recovery Service is attempting to collect a XXXX XXXX debt for my step child. The debt is 8 years old and belongs to my wife however during that time we were not married nor living together until several years later. She is also fighting it on her side and has receipts to prove the debt is not valid. Southwest Recovery Service never contacted me about the debt but I found it on my credit report a few months ago. Tried to dispute it, letting them know it was not my debt, nor my child, nor was I involved at that time but they refuse to remove the debt. I asked them to provide evidence that the debt is mine and they can not.
In XX/XX/2017 I was in patient at the hospital. I guess a doctor I do not even know came into see me and bill my insurance company. The insurance company did not pay as wrong paperwork was turned in by the doctor. He showed it as an ER room visit when I was in patient. The doctor in turn put this with a collection agency. I received a letter from the collection agency stating I owed {$400.00}. First I called them and asked for contact information on the doctor so I could get it taken care of. They would not give this to me and told me to contact my insurance to get it. I did this and was told the collection agency needed to provide this. I called them again and was told they needed a letter to give out this information. I took a letter into the agency office and they still refuse to give me this information saying they don't have that. How can they say I owe someone, but not be able to give me there contact information.
Dear Sir or Madam : American Express hasnt applied the {$650.00} credit which Im requesting in fees due to not receiving statements. Please stop ignoring my requests as every single one has been ignored. I have gotten the odd disputes for this case that are not described as this dispute. The process for this has been very challenging. 

Requested Credit/Refund : {$690.00} Reason : Statement not Received. I am appealing a rejected dispute on my card. AMERICAN EXPRESS conclusion is wrong. I contacted AMERICAN EXPRESS repeatedly, sending the request via mail & online. I was given a bunch of different dispute numbers for this same issue yet my balance never changed. The wording of their responses didnt match my requests. Its been all a mess and a very difficult process. I never receive the {$680.00} in adjustments. All I got were my old missing statements. I hadnt received statements from XXXX-XXXX since I moved. This dispute is for credits towards those months of being over-billed. I am seeking adjustments for multiple fees charged per month, as not receiving statements caused my bill to increase. The minimum payment amount also skyrocketed because of it. Ive reviewed all of the transactions within the time frame when I did not receive statements. Those fees billed still pending credit are listed below. Fees dates & amounts : XXXX/XXXX/XXXX {$37.00}, XXXX/XXXX/XXXX {$86.00}, XXXX/XXXX/XXXX {$86.00}, XXXX/XXXX/XXXX $ XXXX {$38.00}, XXXX/XXXX/XXXX {$87.00}, XXXX/XXXX/XXXX {$29.00}, XXXX/XXXX/XXXX {$38.00}, XXXX/XXXX/XXXX {$91.00}, XXXX/XXXX/XXXX {$31.00}. The following 6 transactions arent listed in the statement but are shown in the inquiry area under the account services tab and in the open a billing dispute choice XXXX screenshot attached ) : XXXX/XXXX/XXXX {$91.00}, XXXX/XXXX/XXXX {$12.00}, XXXX/XXXX/XXXX {$9.00}, XXXX/XXXX/XXXX {$0.00}, XXXX/XXXX/XXXX {$0.00}, XXXX/XXXX/XXXX {$3.00}, XXXX/XXXX/XXXX {$24.00}. Totals : {$680.00}. Its been a difficult process requesting this credit. I only ask for the credits mentioned.
i received a {$9000.00} loan from XXXX back in 2015. The payments were set up by direct deposit. In XXXX of 2015, XXXX stopped collecting payments from me and stated that the reason why was because my bank account was closed. Even though i informed them numerous times that my account was not closed, and even paid them using the debit card from the account they stated was closed, the company still refused to reinstate my direct debit, which was a part of my loan agreement. When i could no longer keep up with the payments because i had to keep calling their customer service number every time i needed to make a payment, incurring late fees if i did not make it in time, i refused to keep making the payments until they fixed the issue that was resulting in my not being allowed to keep my loan agreement. Furthermore, the balance on my account was not shrinking, no matter how many payments i made, as the balance stayed at {$10000.00} and they refused to send me a copy of my account ledger. After my refusal, XXXX sent me to their collections company called XXXX XXXX XXXX sent me a notice stating that they would settle for {$5300.00}. I informed XXXX that the {$5300.00} was close to my balance when i stopped paying the account, not the {$10000.00} they were trying to collect. I also asked XXXX for an accurate account ledger, listing all the payments made to this account. To this date, i have yet to receive one. They have placed this account on my credit report as a collections in the amount of {$10000.00} and have never sent me an account history nor a ledger, as i have repeatedly requested.
TRS sent us a letter stating we needed to pay a XXXX fee for a check that was not honored at XXXX. We had plenty of money in our account. Apparently the FTC already fined them XXXX XXXX for ripping off people with this scam. Our bank never received a check from them. They never presented the ck for payment. I pray they do not damage our credit. This has got to stop.
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card : XXXX is lost/stolen. There are fraudulent and unauthorized transactions listed on my account that arent mine, and dont belong to me.
calling continually at place of employment threatening action against me if I do not pay. They have been told not to contact me at place of employment and have said they had been provided permission to do so which is not true
I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX  already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SERVICE Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
I told pnc bank before to put my work on a do not call list. I found out that around XXXX XXXX XXXX XXXX they have been calling my work.
Receivables Performance Management is showing a collection on my credit reports for a bill/balance due to XXXX XXXX. This is not mine, i do not have XXXX service, never had it, and do not want it. 

I previously contacted them, and issued a dispute and re-investigation per the information listed on your CFPB website, and i have heard nothing except for copies of a bill or statement mailed to me. The bill has a name that matches mine, someone with a similar name, yet i live in XXXX, not XXXX. 

I disputed again, telling the collector this info and have received no response. This appears to be mixed up, or merged by accident on my credit report. I asked the collection agency to send myself the proof they are saying verifies this, and all i get are statements. This is not mine! I never signed up for XXXX, i never allowed ti to be signed up for under my name, and i never signed a contract or agreement at any point. 

I want this erroneous account removed from my credit reports asap due to the extreme negative effect it is having on my credit score please. 


RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/2016 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$520.00} Date Updated : XXXX/XXXX/2016 Original Amount : {$510.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : XXXX {$520.00} XXXX;
Well I asked the manager could I renew my loan. She stated her Company policy is that since I sent her Company a cease and desist letter not to call my job ( because I ca n't accept calls on my job ) but they are welcome to call me on my home, cell, or any references if they could not contact me she would not renew my loan. I advised her that I had never heard that before and I felt like it was a personal vendetta that she had against me. I feel that I was biasly discriminated against based on the way I looked, And because I was not a certain color and did n't look a certain way. I feel that I am a law abiding citizen that deserves to be treated fairly and her predatory lending ways should not be prohibited just because she does not like me because of her own I 'll gotten reasons. I did try to call her supervisor whom she has a personal partnership with and nothing never gets resolve because of this conflict of interest. Her Supervisor never return the call. I plan to consult a lawyer because bias predatory lending discrimination is not prohibited by consumer law and this matter needs to be addressed and resolve, so another fellow XXXX wo n't have to go through what I did.
I took out an unsecured loan in XXXX at One Main Financial previously XXXX XXXX. In XXXX I refinanced loan. The principal on the account was {$7900.00}. I have been paying on the loan for 5 years and they say that I still owe {$7200.00}. They are now threatening to turn the account over to their legal department andI have my wages garnished because we are 2 months behind due to my hours at work being cut by half. To date we have payed close to over {$11000.00} on this loan, it should be payed off or almost paid in full by now. We have been making payments of $ XXXX/month for the life of the loan. When we asked for help, for one month they wanted to refinance the whole loan again and wanted the title to my car and I declined that offer. That ris when they threatened to garnish my wages. Also I have noticed that when I make the payment, they hold the check and run it thru the bank after the due date so that they can charge me a late fee and add interest. This seems to me that there is something that needs to be done. I am not saying that I do not owe money, but I know that I do not owe them over {$7000.00}.
I sent money to my mother in XXXX, and both times I did they cancelled the transaction, it did n't take to up to seven days for me to get my refund. The 2nd time I sent money the same thing happened and they needed the money to buy the bus ticket. I was mad I asked to speak to a supervisor and she said she was going to expedite the refund so it could take up to 2 days to be refunded. It has been 2 days and I am barely getting an email saying that " Western Union has received a request to cancel my money transfer : when it was them who cancelled my money transfer. Western Union is not good at all and when you want to speak to someone in regards to what happened all they say is for security purposes we do not have the reason. Just like we know they are all following a script. Western Union should change their ways soon.
XXXX XXXX XXXX will not update my account I 've called several times an was told dates about my account being updated my car was totaled on XXXX XXXX, XXXX. Today XXXX/XXXX/XXXX was suppose to be the day when the bureaus was suppose to be updated on my balance on my account gap insurance, primary insurance an warranty company have all paid amounts on vehicle. The XXXX insurance company paid XXXX issued XXXX/XXXX/XXXX payment was processed by XXXX. Gap insurance paid XXXX processed on XXXX/XXXX/XXXX. XXXX made a payment received by XXXX in the amount of XXXX an XXXX XXXX/XXXX/XXXX. Still have yet to see balance updates. Two of the payments I never received a email had to call in and make sure they had them and they did but I keep being told 5-7 business days to update to my account which has not been updated since XXXX XXXX. This is hindering me from getting another vehicle. The balance on the account is still showing XXXX which is incorrect.
Spoke with this company at the beginning of year. Threatened to sue me if I did not pay. I made payment arrangements with them on the phone and asked for a letter stating the debt was valid. Did not receive letter. Instead an email saying how much they would pull out of my account every month {$210.00}. Over the course of several months they changed names of company pulling money out of my account. Each time I informed them that I had not received my letter and wished for them to send it to me. Each time they said ok, and I never received it. In XXXX I finally decided to stop paying until they sent me a letter. Now they are calling again, and being rude and still refusing to send me a letter of validation. I do not want to be paying to a debt collector that may be fraud. Especially when I have asked several times for proof, and have shown good faith by paying them for several months with no proof.
Wells Fargo Dealer Services has continously overcharged for the auto loan on my 2006 XXXX and kept me uninformed about details of my loan and its terms. 

1 ) I just found out from a wells fargo dealer services representative that I was assessed/enrolled in comprehensive auto insurance through the Auto dealer XXXX at the time of the purchase as part of the reuirement to qualify for the loan..At the time of the purchase I was not informed of this requirement. I was alo asked to get a second comprehensive insurance for the duration of the loan which I also purchased independently. In essence I was asked to carry XXXX insurance policies on the same auto. 

2 ) In reviewing my loan payments it appears my interest rate on the loan was raised without any notification. Wells Fargo Dealer Services reps have been extremely rude when inquireing about my loan issues and very uncorporative with information about the details of the loan and its terms. 
3 My car was reposessed after only one month late on my loan payments. Fees and charhges for repossession, storage and penalties appear to be excesive. 
4.Wells Fargo continues to charge for auto insurance ( wells fargo insurance ) even though I have comprehensive insurance on the my vehecle and have notified them of it. 
. 
If and where there have been deliberate overcharging and exploitation I want a refund on the overcharges and excesive fees.
continuing harassing phone calls from this company, National Commercial Services, a specialized Subrogation & Commercial Collection Agency located in the XXXX XXXX XXXX in California. 
Continually call and leave no messages on my cell phone. 
Phone number they call from XXXX.
I submitted a fraud claim with Bank of America shortly after I noticed a large charge at a supermarket I dont go to as well as charges in XXXX including withdrawal at an ATM. I recently had received a new debit card from them as my other was about to expire. I notified the bank employee that I had one of of my debit cards, but the other was missing. I was also confused as to how someone could use my card at an ATM as I dont keep my Pin anywhere on me, and the employee informed me that information is stolen all of the time. Claim was filed on XX/XX/XXXX18 and I received a temporary credit which totaled around {$450.00} for the fraudulent charges. I received a call on XX/XX/XXXX18 about my claim. I called back the next day and was told my claim was denied because it didnt follow a fraud pattern. Also told that on XX/XX/XXXX18 the credits would be reversed. I would have to mail a letter to get them to re look at the claim. By that time I will be out all of the money again which I can not afford as a student. For a company that says they offer 0 liability and as someone who reported the fraud as soon as I noticed it, I am astounded that they denied the claim for such reasons and I would have to re file a claim in order to try and get my funds back. That would be another month process and again, I would still be out my money. After doing some research I have found many people where the same issue has occurred with this bank.
XXXX years ago, My Credit Score was dropped from XXXX to XXXX. I run my credit report via XXXX and XXXX. I found out there were {$290.00} charged on my macy 's account. I called macys many times and still ca n't get the issue resolved. They have n't even provide me the credit card statement. I have requested for it many times. All they were saying I have {$290.00} due on my card and I have to pay for it. I have been keep telling them I have n't use my macys card almost XXXX years. Everytime I call them, They said they are doing their investigation. I also file a complain via macy 's fraud department email. But still have n't received any response. This has been going on almost XXXX years and at this moment I want to get this issue resolved.
I opened a case a month ago indicating that incorrect information was being reported to all three credit reporting agencies from this company. After pulling all three of my reports this still has not been corrected and I have been provided with nothing to support the information they are reporting is correct or that this problem has been resolved. I have opened a case with the TN state attorney general office as it relates to this issue. Since it appears that opening a complaint in this forum has not prompted the company to correct the inaccurate information being reported to XXXX, XXXX and XXXX. I hope the State attorney general office will enlighten them to correct the issues.
trans union   XXXX   XXXX   needs to take off thos charges  XXXX  all  XXXX  of them they have been dismissed!!!!
I found this company reporting to the credit bureaus that I am in collections on an account. Subsequently, I sent them a letter via certified mail to the address on my credit report same as on the XXXX website but it was returned undeliverable. Thinking this was an error, I re-sent the same letter again double checking the address. Unfortunately, based on me checking the USPS website for delivery confirmation the letter has still not been signed for and appears it is on its way back to me again. It seems that they are rejecting certified mail. It is unfair of them to report things on a persons credit report and then refuse to communicate via mail concerning the debt and how the error can be resolved.
I submitted a letter to Experian asking them to describe the steps they took to verify the public records on my account. The only response I received is that XXXX XXXX verified it, but XXXX XXXX says that my account is suppressed so there is no way they could have verified. The courts have explained that they do not " verify '' these accounts to credit agencies.
I called Navient to lower my student loan payment because I can not afford to pay {$450.00} a month. I tried to reason with them and ask for low income payment but they continued to deny me because my parents were co-signers. We spent 3 hours on the phone arguing and they said they would n't do anything until I was put into collections. They said my type of loan did n't qualify. The bottom line is I can not afford these payments making {$18000.00} a year. Half my income is rent and utilities.
In XX/XX/XXXX I went through a divorce and applied for a loan modification through Bank of America. They required my ex-spouses signature on the application in addition to the quit claim deed and divorce court order. It came to my attention this XX/XX/XXXX that I have not been receiving mortgage statements from B of A and I did not receive my interest statement for tax filing purposes. I called B of A and was told that my former spouse called them in XX/XX/XXXX and requested an address change. When I asked them how they could change an address and not inform me I was told that he is the primary on the loan and they had no obligation to inform me. As a result of the change of address B of A discontinued mailings to me. Therefore I was unaware of an increase of XXXX in my mortgage and was issued a late fee. I have made several requests for XXXX XXXX to be removed from the loan and have been told I must go through assumptions and re-qualify and pay approximately {$1500.00} for this process. I believe I am and was discriminated against as a female in the application process as I was gainfully employed at the time of the modification and thought I was assuming the loan at that time. I do not understand why XXXX XXXX, who was was divorced from had to stay on the loan.