WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX / XXXX / 2017   XXXX  from USSA called and left threatening voice-mail that if I did not contact them within  24 hour s to pay a debt they would be deducting my wages. When I called them back they claimed to have been lawyers hired by original creditor to collect a past due debt. Claimed if I paid right now they could settle for less than half the amount owed. When I asked for the original creditor 's phone number so I could verify their information, they gave me a false number. I did get the correct number on my own and they put me in touch with the correct collection agency who let me know the people who were calling me were trying to scam me out of money. They were not hired by original creditors or the collection agency handling my account.
Since XX/XX/XXXX I have tried to have a security freeze removed from my XXXX  credit profile. I initially called them on XX/XX/XXXX and they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/XXXX, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX. 

XXXX is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force XXXX  to comply and correct my report.
I called Equifax to get my credit report, they took all the necessary information but they could not find me in the system. They asked me for a hard copy of my information which I have sent to them previously but still they could not help me. If my identity was compromised what am i supposed to do what is the procedure and why equifax does not help me?
Chase closed XXXX of my accounts and stated they had a right to close any account for any reason or no reason. The funds from the account and fees assessed upon closure in the amount of {$370.00}, have never been received or cashed. Chase continued to assess fees to another account I had and I chose to close the relationship with Chase and closed the account at a bank branch on XX/XX/XXXX2016. See attachment. Afterwards Chase has continued to process transactions on the account and has assessed further fees in the amount of {$200.00}, in addition to the {$34.00} fee which caused me to close the account. See Attachments.
have had a company calling me saying I owe a debit. I am not aware of a debit to them. I have asked for proof of it being my debit, as I have had identity stolen and had numerous accounts and loans taken out in my name. And they refuse to prove to me that it is my debit.
HSBC sent a letter of intent to foreclose on a property that was sold to and being serviced by another lender, XXXX XXXX. HSBC would not return my calls. I sent a letter to the local attorney by certified mail, responding to a notice ( asking who owned the loan, who serviced the loan, and total amount due on the loan ) and the attorney never responded in writing or returned any of my repetitive messages. HSBC filed a document with the XXXX XXXX XXXX XXXX XXXX with someone else 's name as an owner on my mortgage foreclosure documents. Someone named XXXX XXXX was signing off on my mortgage foreclosure and I don't even know her. The proof of affidavit was delivered and signed by XXXX XXXX. She was never on the loan that I acquired and never on the deed. Something wrong has gone on which is why I am unable to get any answers. Please help us.
Currently I'm with XXXX XXXX  XXXX for Student Debt Relief Program. From my understanding the school I was attending XXXXXXXX XXXX XXXX XXXX and they closed down during the time I was starting my XXXX XXXX XXXX in XX/XX/XXXX. I was to start on XX/XX/2015. Wouldn't I be eligible for Closed School Discharge? I wanted to enroll in another school after they closed and my credits didn't transfer. Honestly I feel I was defrauded into the debt. False job placement and online certificate class. They closed down and I wasn't able to finish my educational program.
There are XXXX inquiries that I HAVE NEVER MADE! WHO DID THIS? 
THE FIRST IS FROM XXXX XXXX THE SECOND IS FROM A COMPANY CALLED XXXX. I HAVE CONTACTED XXXX COMPANIES AND THEY HAVE NO RECORD OF ME OR MY SS # ANYWHERE IN THEIR SYSTEM 'S!! HOW IS THIS HAPPENING N MAKE IT STOP!!!!
I am a former employee that has some very serious concerns about the Collection practices of this agency. I have 20 years experience in the Collections Industry and have witnessed and verbalized to Partners of the firm what I have noticed and nothing was done. The employees that make repeated violations such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX are still employed. This firm does not have proper management, trainer or training, rules, compliance officer, quality, and guidelines in place in writing to protect employees and the consumers of there clients XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. There Human Resources department seems not to know who is a Collector or Legal Assistant which shows they don't know what is going on or care to know. 

I have witnessed employees use verbal legal threats to consumers that will not be sued. 
Speak with 3rd parties without proper authorization and giving out debt information. 
Speak with consumers that have attorneys retained but collected money and communicated with the consumer. 
Call consumers out of time there zones because to calling out restrictions in place. 
Not stating calls are recorded from the beginning or stating the Mini Miranda at all. 
Suing and sending notices to accounts that are outside the statue of limitations. 
Consumers not getting initial demand notices because of returned mail and accounts addresses not being properly updated. 

Just to name a few violations and they have only been doing Collections practices for about 4 years now and they really need to get it together asap or they may be sued and not to mention stop discriminating against employees with XXXX  XXXX with no disciplinary actions and good quality calls and immediately fire them such as me. This firing almost caused me to kill myself and keeps me up all night but I have faith and trust in XXXX and the Truth must be told and I will fight for my rights and the rights of the consumers. Please look into this matter today!
RE : Credit Card Reporting HSBC Account # XXXX Age of Accounts/Length of credit history Dear Consumer Financial Protection Bureau : I have a closed HSBC account and that had this credit card for over five years and still has a balance on it. According to XXXX, they claim the creditor requested it removed ( credit grantor removed ). I also reviewed my credit history and discovered that other accounts such as my XXXX XXXX account that I had for over 17 years was also not factored in my credit history/ age of accounts. 
The result of creditor removing my HSBC account caused the age of my credit history to shorten and caused a poor status. These actions to remove the above referenced account was done intentionally to cause the age of my credit history to shorten, resulting in a poor age/history status. 
I have had this HSBC account since 2003, and there is a 13 year perfect paying status that has been removed by someone either from HSBC or the credit bureaus to cause the age of my accounts to be more recent.
On XXXX/XXXX/2015, firm contacted my estranged spouse who I never gave as a contact on my loan documents and told him that I wrote a bad check and were attempting to get in contact with me. He texted me their contact number and I called because I knew I did not have any checks written to any company for any reason. Spoke with an agent and they placed a male coworker on the line and he stated that he was the attorney for XXXX and I was being charged with fraudulent check and fraudulent use of a closed bank account and they were processing papers to have be arrested within a week.
XX/XX/XXXX, hired XXXX XXXX XXXX XXXX XXXX XXXX, to dispute inaccurate and or fraudulent accounts on all credit reporting bureaus. As of XX/XX/XXXX, I pulled a credit report to show progress XXXX XXXX XXXX attempted. Accounts in question had not been removed only closed, no account accuracy, contracts, account transactions received, from third party debt collect XXXX XXXX, XXXX. Account was sold XX/XX/XXXX from XXXX Bank, formerly kmow as XXXX XXXX XXXX Bank. Currently, XXXX XXXX XXXX, sent a 'Alias Summons requesting demand of XXXX. 

On at least 4 attempts, credit bureaus, XXXX Bank ( change of name in XX/XX/XXXX ) and XXXX XXXX XXXX, were contacted to valid account accuracy due to severe identity theft, XXXX XXXX XXXX, has violated the Fair Debit Collection Protections Act ( FDCPA ) that prohibits debt collectors from from using unfair, deceptive, and or abusive when collecting comsumer debts.
I 'm the sole account holder of the Macy 's XXXX credit card and I gave no one authorization to use it nor did I add anyone as an authorized user. Someone used my social security number, name, address but not the physical credit card to buy merchandise worth {$7800.00} at Macy 's XXXX As a result of these fraudulent charges, I 've asked Macy 's XXXX to close my credit card account yesterday. 

More than an year ago I 've placed a security alert on my credit card account by requesting the customer service of Macy 's XXXX to verify the person 's ID before allowing purchases and allow purchases only if the Full name on the ID matches the Full name on the account and the face picture. When I called about the fraudulent charges on my account, I was told by their customer service that due to the busy holiday season, the associates were liberal and that they may not have always the time and liberty to check for the persons ' ID and that they allow purchases as long as they can pull up the account by social security number even if the person does not have the physical credit card with them. I would like to report Macy 's XXXX for not following the security guidelines I requested to be in place on my account and for letting someone who knows my social security number to use my account to buy merchandise worth {$7800.00} when actually my credit limit set by Macy 's XXXX is {$1200.00}. The current balance on my account is over {$9000.00}. I ca n't afford to make even the minimum monthly payment which is around {$260.00}.
On XX/XX/XXXX I called card servicing for my XXXX and XXXX Cards continental finance. I made a payment on both cards prior to their due dates. On XX/XX/XXXX I received a credit alert that I had a delinquent account. After reviewing the alert I contact continental finance to advise that I made my payment. Instead of the customer service representative applying the payments as requested one to each account. They applied both payments to the XXXX Card. This happen to me in XX/XX/XXXX on the XXXX Card they claim that I missed a payment and have been reporting such. I suspect in this case they applied the payment to my mother 's account as I also call in payments for her account. I suspect that the same thing happened in this case. This behavior is unacceptable and could cause people to have damaged credit due to this types of mistakes.
I originally made arrangements XX/XX/2016 to pay off a medical debt purchased by Transworld Systems , Inc. and the balance of {$120.00} was paid in full on XX/XX/XXXX and deducted from my XXXX account on XX/XX/2016. Since then, I have contacted this company 4 times within XX/XX/XXXX -XX/XX/2016, requesting a letter of " paid in full '' without success ; however, I 've been verbally told repeatedly since then that my account was paid in full and that my letter was in the mail and this information would also be sent to the XXXX major credit bureaus. I spoke with another representative today XXXX XXXX XXXX XXXX and she promised me that she would fax the PIF letter to me and I still have n't received it. She also ( along with XXXX other representatives ) informed me that this information would be updated and sent to the XXXX major credit bureaus ; however, after disputing the amount last month ; I received notification today that TSI reported to them that I still have a debt in the amount of {$120.00}. This is unfair as they received my payment more than 30 days ago and refuse to send me confirmation. I have verified my address multiple times and they continue to tell me that they sent out a letter but every time I call back ; they tell me that a letter was never sent and they will expedite it.
Coinbase, Inc. i s registered as a  XXXX   XXXX   XXXX  with  XXXX ,  XXXX  registration number :  XXXX  They provide a money transmitting service by exchanging cryptocurrency tokens to and from local  XXXX . This service is advertised as " instant '' for  XXXX  residents.     On  XXXX   XXXX   XXXX  ( GMT +8 )   XXXX  , I initiated an exchange of  XXXX  ETH tokens into  S  {$1.00},  XXXX , which was supposed to have been credited immediately into my Xfers account . S  {$0.00} was credited while the  18  ETH tokens were debited.  Xfers  is a payment processing company Coinbase partners with. I have contacted Coinbase at  XXXX  XXXX  XXXX , their only official source of correspondence, and also highlighted my missing funds to their representatives at  XXXX  and  XXXX . I have also made a complaint to  XXXX .     On  XXXX   XXXX    XXXX  ,  Coinbase  closed my account with no explanation, completely denying me access to my previous transaction records, while still owing me  S  {$1.00},  XXXX . It is   XXXX   XXXX   XXXX     today. 35 days have passed and I still have not received my funds. All I have in possession are countless excuses from peripheral Coinbase staff/ automated bot mails delaying what should have been a simple money transfer. The " instant '' transfer is fraudulent advertising and it can not be legal for a business to withhold a customer 's money under what it has claimed to be a custodial account. I should have access to my own money and transaction records.
My mortgage lender, Fifth Third Bank, has placed my home in foreclosure due to a force placed escrow in the amount on approximately {$1300.00} which I had no knowledge of. I was making my payments monthly to Fifty Third Bank and they were not applying my payments to my account. They served the tenants that are currently renting my home with foreclosure papers. i found out about this situation when my tenants notified my property manager that they were served. Fifth Third Bank should not have served an individual other than who they were supposed to serve. Upon inquiring about this situation with Fifth Third Bank, I was informed that My home was in foreclosure. When I asked why it was in foreclosure, since I had made my payments monthly. They said they sent me a check each month because they considered my payments partial payments because they did not include the escrow. I had no knowledge of the checks they sent or the escrow.after going over information, I realized, I had not received their correspondence because they had not included the correct apartment number. Now Fifth Third Bank says I am past due and in foreclosure status. To my knowledge I was not past due. They just did not apply my payments. They created this foreclosure by their tactics. This is a huge misunderstanding and I feel it should be reversed because this foreclosure status is due to an escrow I had no knowledge of and tenants should not have been served with foreclosure notice. I requested a meeting with Fifth Third Bank to discuss this in hopes to reverse this. They stated that they will email me to set up a meeting but have not done so. It has been 36 hours since my request to speak to the proper department to address this. I also asked for an address to make contact via mail so I can have written records and they said they could set up a meeting but did not grant me the meeting or mailing information I requested.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected and included the executives selling their stocks in their company after they found out but before the public. I received no email, letter, or phone call and instead had to discover it via social media.
In XX/XX/XXXX, I was approved for funds from the Florida 's Hardest Hit Fund Program and the funds were sent to my mortgagor, Seterus, Inc,. to be applied to the outstanding principal balance. The HFA funds were in a suspense account with Seterus for 7 months. All my calls to request the HFA funds are applied and the loan recast were ignored. On XX/XX/XXXX, I received a " Reamortization Agreement '' letter from Seterus which demands that I agree to extend the maturity date of the current mortgage an additional 20 years. The original mortgage is a conventional 30 year loan originated XX/XX/XXXX. As of XX/XX/XXXX, there are less than 20 years remaining on the original loan which matures in XX/XX/XXXX. Seterus is demanding that I agree to extend the loan maturity another 20 years to XX/XX/XXXX! In addition, Seterus refused to reduce the outstanding principal by the amount they received from the State of Florida Treasury Department. The HFA amount to be applied to the outstanding principal is less than the $ XXXX provided to Seterus from the Florida state 's HHF. I called Seterus and was informed that this agreement is final and they will not make any amendments.
I received an e-mail from XXXX, the servicer, on XXXX/XXXX/XXXX. I logged into my account to read the message and observed that the site listed my current payment as past due. I contacted XXXX chat support the same day and inquired as to why my payment did not post on time. I explained that I have been subscribed for automatic debits for well over a year and I have not made any changes to my accounts. 

The representative, XXXX, explained that it was not my fault or their fault. He explained that " Your due date was on the weekend, and payments are only process on business days ( Monday-Friday ). It takes 2-3 full business days to process auto debit payments. Your payment will be effective on XXXX/XXXX/XXXX, and should be visible on your account by XXXX/XXXX/XXXX. No late fees, or negative credit reporting will occur because of this issue. '' I inquired as to whether the company would continue to list this as a past due payment on my account. The representative said " Your payment will appear to be 3 days late, but that will not be reported to your credit, and is a non-issue once the payment is processed. '' Unfortunately, the claim that this is a non-issue is false. Records of my payment history can be required for future financial applications. Potential loan refinance offers may be contingent on perfect on-time payment history. There are other circumstances where it is plausible that this " late payment '' can cause me harm. Yet, the company claims there is no mechanism to reverse the status on my account to reflect their responsibility for this situation. The representative explained that, if I wish to prevent this in the future, I need to end my auto debit plan and make manual payments. 

I contend that, if this company offers an auto debit service through their site, they have a legal responsibility to conduct their debits in a way that does not occasionally but permanently tarnish my payment history.
I have a credit card with Synchrony Bank / Care Credit. I am unable to make payments currently due to being unemployed. I just moved to XXXX housing two weeks ago. I usually work a small limited part-time job in addition to collecting Social Security XXXX. I currently have no money for food or for the co payment on my prescription medication. I am utilizing a food pantry. I am just beginning to look for a small part time job that I am able to do with my XXXX in the new area that I now live. I have no money, because I used my Social Security to pay for moving expenses, rent, security deposit, etc. I can not make the payment of the amount that is due on my account right now. Synchrony Bank has been calling me four times per day and just sent me a certified letter that is still at the post office, and I have yet to read. I have talked to their representatives many times to explain the situation. I only get Soc Sec payment once per month, so I have no money until my next payment. I will not be able to pay the full amount due until I have a job. I am afraid that Synchrony is going to threaten to take me to court, yet I have no money and no way to pay right now. Please help with this harassment.
I was recently made aware of a derogatory account on my credit report from a XX/XX/XXXX bill with XXXX XXXX owed by my ex-wife. I sent XXXX XXXX supporting documentation that I had not lived at the service address since XX/XX/XXXX and that I had never received a bill for the amount in question. I also filed disputes with both XXXX and Transunion to no avail. I contacted XXXX directly and did pay the amount due. XXXX refused to remove the item from my credit report. My unblemished credit report went down by XXXX points due to a debt that I was not aware of.
I ordered a replacement card from the rush card company. I am unable to activate the card over the phone or on the Internet. customer service does not answer any of the phone calls or return any emails. I have been calling for almost a week about the situation. I simply want to get the rest of my money out and I will not use this card anymore. Please help.
Hi, Payment in full was made over the telephone the banking account info was entered incorrectly and the payment was reversed, once we we aware of this we called to make payment in full being told that because of the error the late fees would be adjusted, each month when we got our statement, the late fee was never adjusted so each month for the last 3 months we could call and they would apologize guarantee us the fee would be adjusted and we have a XXXX balance. This last month same thing happened account shows a balance which is the late fee, we do n't pay the late fee because we are told it was going to be adjusted because we dont pay this fee, we are hit with another fee on top of it, we call again to get our fee adjusted and this time we are told they are not adjusting any more fees. I explain had this been done correctly in the first place I would not be calling for the fourth time to rectify this situation. I then asked to speak to a manager, not sure if this was a manager or just one of the reps colleagues to explain Final outcome they would not adjust and told me they could not give me special treatment. I explain this is far from special treatment this is horrible treatment, I was only going by what I was told on 3 previous occasions, I would appreciate any help you may be able to offer. Thank you for your time
i disputed with experian credit bureau and received a letter back in the main about this company  XXXX  saying return to sender. This has been since  XXXX    XXXX  ,2017