WillisBack/dataset-financial-user-claim huggingface dataset:
I had purchased XXXX phones through XXXX XXXX that I returned to the XXXX I bought them from 3 days later. They state if returned with in 14 days I would not be responsible. They have continued for 6 years trying to get me to pay for phone service I never used. Now their debt collector is still pursing even after send in them proof from XXXX assoc. The debt is invalid they are still trying to collect. Even when I was promised in XXXX XXXX the most. I would need to wait would be 60days. I am upset that my credit report dated XXXX XXXX XXXX shows they are still seeking payment et. Please help me
I am behind on my mortgage payments. I tried to go online to make a payment and it says I must call the office before they will allow me to make a payment. My company, Citi Financial, only takes checks and will hold them for up to 10 days before clearing my account. Online debit or credit card is not an option. I have tried in the past to talk to them but they hold me up on the phone for up to XXXX hour with insults and threats when I just want to make a payment. The closest local office is XXXX miles away since the office in my town no longer services my mortgage. How can I get them to take my payment as I am trying to get the account current but do not have all of the money at one time? My only income is through my job.
National Credit Adjusters has called me in attempt to collect a debt for XXXX XXXX. XXXX has not contacted me at all regarding debt. I just started receiving phone calls from National Credit Adjusters on XX/XX/18 stating that I owe ~ {$2900.00}. I have received several phone calls since then. National Credit Adjusters are illegally trying to collect funds from me because they are not licensed in Missouri to collect.
XX/XX/2017~Constar Financial , XXXX AZ called me on a local [ XXXX ] XXXX - first on my office number, which is XXXX and was very rude when I requested to remove the number from their call list. I gave the person [ XXXX XXXX ] my cell number and he called me, again from XXXX number, when he was in Arizona. I requested his company name, location,, and true telephone contact number, which is XXXX. He indicated that his client, XXXX, was trying to collect on loans from XXXX ( XXXX and XXXX specifically ), but would not provide me actual loan numbers, instead gave me a sequence of XXXX which is part of my Social Security number. The loans in reference are old and should no longer be on my account and I called XXXX, who said they had no idea who Constar Financial was. The loans amount to XXXX, but again, these are old loans that fall under the statute of limitations which I am no longer responsible for - regardless, this person was very rude and threatening and when I said that the loans were private and uncollectable, he stated very rudely that " these loans never go away '' which is an absolute lie.
Payments reporting 30-60 days are on my credit report from XX/XX/XXXX-XX/XX/XXXX. I reached out to XXXX via email XX/XX/XXXX asking that late charges be waived. I explained I had left an XXXX ten year marriage with XXXX children and struggled to establish myself after finally getting out. I received an email back XX/XX/ that they would remain. I also sent a certified letter XX/XX/ and received another notice that they would remain.
XX/XX/XXXX New Jersey Higher Education Student Assistance Authority Re : XXXX XXXX Student Loan XXXX XXXX Amount : XXXX, XXXX To whom it may concern : I do not acknowledge the debt you claim I owe you. Any such claim that your are asserting is time barred by the applicable Statute of Limitations. Any further efforts or actions from you, or any communications to me, my family, or anyone regarding your claims may be a violation of the Fair Debt Collections Act, and if so I will look to pursue my rights. This debt which you claim that I owe is based upon a private lender XXXX XXXX and is beyond the Statute of Limitations. There was and is no communication from this private entity stating the debt was transferred or otherwise placed in the hands of another collector as required by law. New Jersey Higher Education has no legal right to collect upon this debt from a private lender. New Jersey Higher Education is also a private lender. Private lenders can not garnish your wages or levy your income taxes. Further, this loan was originally for XXXX, XXXX, in XX/XX/XXXX XXXX XXXX filed a claim with government and was paid for this loan by insurance. In XX/XX/XXXX New Jersey Higher Education filed a claim with government for XXXX for the same loan. Again I will state that by law inasmuch as this was a private loan that has already passed the Statute of Limitations and there is no communication from the original creditor namely XXXX XXXX, that the debt was transferred or otherwise place in the hands of another collector as required by law, you have no legal right to collect upon this debt. I look forward to hearing from you in response to my denial of this debt. XXXX XXXX
I am the co-signer on my daughters loan, I sent a check for XXXX to pay-off the balance, the check was cashed on XX/XX/17 by XXXX XXXX ( which was bought out by Navient ). 
The check was never applied towards the loan. My daughter and I have spent several days/hours on the phone with no answers to where the check went. I have a bank statement that states it was cashed by XXXX XXXX but the Company ID belongs to Navient. This is very frustrating and upsetting that nothing is being done. Nobody at Navient seems to know what they are doing. Please help?
Synchrony Bank lowered the credit limit on my Walmart Credit Card by {$2800.00} for no reason and without notice. This makes it appear that I am using a higher percentage of the available credit and lowers my credit score and FICO score. One of the reasons cited is that the accounts listed on the report have balance and the balances are too high. The reason that the balance appears to high is banks lower the credit limit making appear that I am using a higher percentage of the credit limit and Synchrony has not provided any notice or statement on the credit report that they reduced the credit limit. I would like for them to explain what this accomplishes and what the objective is by lower my credit limit. When I called to discuss the robotic representative just read me a letter that they claim was sent but never received by me. When I asked if there was an appeals or review process I never received an answer and the representative just hung up the phone.
In early XXXX, my husband and I began to investigate items on our credit reports. After seeing many strange items on our report - we went to the credit bureaus to initiate an investigation. Shortly after submitting a request for verification - We received a response from this RMP company in regards to XXXX derogatory items on my credit report. Unfamiliar with the information that they sent me, and since I now had the contact information for the debt collector themselves.. i sent a letter ( attached ) to the creditor asking for further verification. When i asked for further verification to the collection company as to what this was and to verify that this belonged to me ... their response was that they were not required to verify twice. I am incredibly confused by the information that has been submitted to me and do not see how in any way this verifies that the debt was mine. I have been making payments on things that i have had in collections, attempting to do the right thing, but after further evaluation we have realized that we are paying on things that we thought were taken care of already, are old, or just are n't ours, and we are trying to figure it all out so that we can do the right thing. The paper trail does not make sense, and with the lack of and vague responses from the debt collector i am not confident that what is provided is accurate. RMP 's dismissal of my additional attempts to verify a debt that IS NOT MINE is unlawful. This item needs to be deleted by this debt collector as no further verification has been provided that this debt is in fact mine. RMP is being very suspicious in its collection of my debt in ignoring my request for additional verification and is not following the appropriate laws for assuring this debt is mine. It is unforgivable to not provide further information when requested. From my recollection of going to any doctors appointment, my id is scanned - both my id and my insurance card. RMP should be able to provide this at the bare minimum if this is truly mine. If this is not possible, some other form of validation needs to be provided- something with my signature at the least. This is hurting my score and causing my credit limits to be reduced on other accounts. I am very angry and upset with the amount of time this is taking. I should not have to work so hard to have something verified accurately. I genuinely am not sure this item is mine, and am asking you to verify this. I am frustrated that companies are still able to do so little and provide such little information while creating such a great amount of damage.
I agreed to move into an apartment complex but a week in it became clear they were infested with bugs. So the apartment manager told me that I could move out and get my deposit. They gave me back the deposit but 2 years later there 's a charge for around {$3500.00} on my credit report.
I never paid for this company for anything there are stalking my credit it's not mine I told them To cancel before I don't kno anything
I received a letter from Ocwen 's Office of the Consumer Ombudsman. In the letter it is stated that " The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. '' How does Ocwen 's Office of the Consumer Ombudsman intend to provide assistance with unresolved concerns and issues if it follows the same script as Ocwen 's Customer Services and Ocwen 's Research Department? Should it do any of the research on its own or just repeat what the other XXXX offices are saying? 
It is also stated in the letter that " On XXXX XXXX, 2015, Ocwen received {$3300.00}, although it was {$0.00} short of the amount due ( {$3300.00} ) the funds were applied as the XXXX XXXX, 2015 payment. '' This is the same incorrectness as stated by Ocwen 's Research Department and the Escalation Managers in Ocwen 's Customer Services. 
Attachment 1 : my bank statement identifying the amount of the payment on XX/XX/XXXX was {$3300.00}. 
Attachment 2 : copy of my check to Ocwen dated XX/XX/XXXX for {$3300.00}. 
Attachment 3 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having received two payments from me on XX/XX/XXXX. One in the amount of {$1000.00} and another for {$2300.00} ( which by the way equals {$3300.00} ). 
Attachment 4 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$2300.00} and {$0.00}. Along with two other transactions from XX/XX/XXXX and XX/XX/XXXX. 
WHAT HAPPENED TO THE OTHER {$1000.00}? 
Attachment 5 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with seven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Attachments 6 & 7 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the payments from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with eleven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
ERC Collection Creditor Phone Number XXXX XXXX XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX, FL XXXX This company has re-aged a collection account. The date opened is being reported as XX/XX/XXXX however, this account was placed for collection with the Original Creditor - XXXX - in XX/XX/XXXX. This is a clear violation of FCRA laws.
I have graduated XX/XX/2017, I have been making my loan payments on time every month and have tried several times to lower my interest rate on my colleg loan or consolidate/refinance the loans so my payment will actually help lower my loans. I have been turned down every time due to the fact that my debt to income ratio is too low. How am I supposed to get these loans lowered when my monthly payment that I can afford is only going to the interest? My private student loan have now reached over {$120000.00} and I am only making {$15.00} an hour until I can get more experience in my field. My interest rates on my Discover private loans range from 5.615 % to 9 %. and XXXX XXXX is 6-9 %
I have contacted Trans Union Credit reporting services for 3 months requesting that they correct the credit limit information associated with my credit card account with XXXX XXXX. 
I have worked with XXXX Card services in getting them to send multiple account corrections to Trans Union to get this resolved. 
They correct it temporarily for each of the months I have called in only to have the erroneous information appear back on my credit report the following month for the past 3 months. 
XXXX Card services also sent them and me a letter stating the correct limit on the card.The card issuer has been very helpful in going above and beyond in assisting me with this matter. 
This error has been adversely impacting my credit utilization and causing a score drop of 20 points, which seems questionable also. 
TransUnion is also reporting balances for XXXX card services, when there is a XXXX balance. This leads me to question their practice of the timely updating of information that is correct. 
The two major reporting agencies, XXXX and XXXX have the correct information. There was never an issue with my XXXX account with them. 
So where and why is TransUnion supposedly getting all of the wrong information???
HSBC IS TOO CHEAP TO SEND ME FREE PAPER CHECKS AND IS TOO CHEAP TO PROVIDE TELEPHONE SERVICE. SERVICE IS THIRD WORLD COUNTRY
Hello, I am a bank of America Travel reward card customer.

I want to vacation on XX/XX/2018 and returned on XX/XX/18 and the date on transaction is XX/XX/18 and XX/XX/18. 
I went on a vacation to XXXX XXXX. I went to one club where I lost my wallet. I realized after 8 hours or so and I went back to see if it was there or not and I was able to find it from the front office. After a week when I was going over my statement I saw that there are two different changes which I did not make or authorize to make. One in that restaurant and the other in some park where they require you to put your Credit card as contingency. These changes are fraudulent to the best of my knowledge. I tried calling merchant no help, then credit card bank ( Bank of America ) fraud claim rejected saying the card was present when the transaction happened ( obviously ) and they do not suspect fraud. No help after 3 months so filing complain for it. This has happen earlier as well but I did not have evidence I honored the charge at the end. 

Please extend your help. 
I have attached my credit card statement for the purpose of identifying me and transactions are highlighted already. 

Thank you.
XXXX claims they are collecting a debt and or servicing a debt for XXXX as a result of transfer from Bank of America. XXXX has not provided a servicing agreement between them and the alleged noteholder. On XXXX XXXX, XXXX, XXXX 's counsel sent an abandonment of Acceleration referencing acceleration of XXXX XXXX, XXXX that was accelerated by their predecessor. Bank of America 's acceleration is irrevocable for the following reasons : 1. Bank of America exercised the remedy to foreclose on the propoerty on XXXX XXXX, XXXX. 
2. BOA 's agent executed a foreclosure deed on XXXX. 
3. XXXX was awarded Judgment of Possession on XXXX/XXXX/XXXX. 
4. I detrimentally relied on the foreclosure sale and subsequent post-foreclosure eviction. 
5. I filed a lawsuit on XXXX XXXX, XXXX, to stop a wrongful post-foreclosure eviction that is currently pending to date against XXXX 's predecessor.
I have an unverified account from Choice Recovery. I had previously disputed this account. I have never done business with Choice Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Choice Recovery P\provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
On XX/XX/XXXX I sent certified mail to TransUnion and XXXX credit bureau 's to have credit inquiries removed from my credit report. These inquiries were made without my persmission and should have to be investigated. I never received word back from the credit bureau 's after 30 days, which means they should be removed from my credit report. I also read that a tax lien should be removed from my credit report which was filed in XX/XX/XXXX. According to several web sites, starting on XX/XX/XXXX consumer credit reports were to have all tax liens removed from their reports. I am asking for 6 credit inquiries to be removed of the 8 showing on my credit report. The only two inquiries which were authorized were, XXXX XXXX XXXX XXXX and XXXX. These are correct and should be on my credit report. The others I did not authorize and should not have ever been allowed access to my credit report. Could you help me with this problem?
XXXX XXXX reported wrong to the credit reporting agency. They reported wrong in XXXX and XXXX of XXXX when they received payments on time for their loan. Both of these were received on the XXXX of the month and processed the same day. On XXXX of XXXX they also reported late when the payment was received in the month that it was due.
Checked my credit report, around XXXX XXXX, 2016, and noticed Merchants Credit Guide reporting a negative collection account. I immediately disputed it with all XXXX major credit bureaus and also mailed Merchants Credit Guide two letters to either verify or delete this account from my credit report. I still have not received any response to my second letter which I sent by USPS registered mail with return receipt and will be attaching all documents that I sent them and the proof of delivery.
Today  XXXX   XXXX ,2017, I attempted to call the customer service line listed on my bill in order to pay my mortgage over the phone. What I got instead was some sort of scam with regard to a free gift requesting credit card information. Repeatedly I asked to be put throug h to SPS S ervicing located in  XXXX   XXXX   XXXX , Utah. I was told this was a marketing tool used to advertise for the company, and despite my objection due to a waste of my time. The perso n (   XXXX   ) p robably not his real name, continued to ask questions. When he got to the portion about me submitting money for the free gift I was due and I said no repeatedly. He hung up and aft er 15 r eturn calls was not able to get Customer Service in order to pay my  XXXX  Mortgage. This is more than just shady dealings. This is mis-representation, false advertising, and poor customer service. While I do agree that business has a right to advertising, this is not the way to do it. I feel that I have no way to contact the company that has the most important purchase made by me.     Please Help  XXXX   XXXX   XXXX .
Earlier this year I closed my account with BB & T. A few days ago I received an email stating " Your online banking security questions have been updated. This is a result of an annual update or a request you or an authorized user submitted in My Profile. If you did not make this change, please contact us. '' Shortly after I received a followup email stating " Please know this message was sent to you in error. Your security questions are secure and no further action is needed on your part. We apologize for the inconvenience. '' I called the number in the 2nd email ( XXXX ) and after numerous tries was able to talk to a real person. Since I closed my account I asked they remove my email address. The request was forwarded to IT and I received a confirmation that my email address had been removed from my online account. But I should no longer have an online account! I spent close to an hour going through their phone menu system at ( XXXX ) and ( XXXX ) only to reach a message " The information requested can not be provided by BBT online phone XXXX '' the call then disconnects. I called my local branch office and the representative there told me they do not have access to online accounts and were unable to even verify if I did or did n't have an online account. So here I am, unable to talk to anyone to determine if there is still a bank account in my name floating around their system. With the recent XXXX XXXX issue, is this a case of an account opened in my name without my approval? Oh, and the only way to contact them online is to log into my online account and send a message.
Received call form a unknown co. called  XXXX  on   XXXX   XXXX   XXXX     trying to collect a debt they say I owe. Tried to tell them I do not know how they are, so they sent me an  XXXX   XXXX , wanting all kinds of personal info on me, Police said not to fill out and report them.   XXXX   XXXX   rec letter saying I had not sent back in Fraud packet and so my debt was now past 60 days overdue and now I owe them {$600.00}. For what is not known. Have never recd. a bill just a collection letter .... Also this company seems to us e Pacific Credit Grp LLC to service hem. This Co.  had a Co Called  XXXX   XXXX .  XXXX  to do a soft cree credit check on me on   XXXX   XXXX   from Florida. On same day form   XXXX   XXXX   CA,  Pacific Gredit Group also did a credit check as a credit review on me from the    XXXX  address at  XXXX .  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX  in   XXXX   XXXX  .CA.  XXXX  The number online there is listed as  XXXX  as listed later on the letter of saying I need to make payment arrangements. However they send correpondence form a  XXXX   XXXX   XXXX  in  XXXX   XXXX , CA  XXXX  saying they are   XXXX   using a number registered to  Pacific Credit Grp LLC,  as  XXXX  They also sent a so called payment portal address to send any money to as  XXXX