WillisBack/dataset-financial-user-claim huggingface dataset:
ASG is a collection agency and they contacted me for a debt from XXXX XXXX. I had already sent XXXX a letter to cease and desist. 
I received this call from XXXX XXXX of the collection agency. He was asking me questions really fast but would n't let me answer. As I was asking him to not call me again at work and that I had an attorney, he said what kind? I said a bankruptcy attorney. He then started accusing me of filing falsely for bankruptcy and paying my attorney with the funds. I could n't get a work back in. He then said, thanks for saying all of this on a recorded line and hung up.
Three years ago, I had a dispute with Kohl 's Department Store regarding a fee that they applied to my Kohl 's charge card. I was not aware of the fee until I tried to make a purchase and was denied. I went to the customer service desk and was told that the fee was applied for a late payment. However, I had a XXXX balance, other than the late fee and as far as I know had never made any payments late. I objected to the fee in the credit office however the attendant claimed to be powerless to do anything. So, I paid it and requested that my account be closed. Last week I discovered that the account was not closed and it is affecting my creditworthiness today ... I was refused a business credit card due to this blemish. I was refused while maintaining a XXXX credit score. I would like to have Kohl 's retract the late payment report and provide proof that my account is closed.
I am writing about the bad experience I had at the XXXX XXXX XXXX  Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ; On XX/XX/2018. 


While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX location around XXXX XXXX XXXX XXXX XXXX. I notified the salesman of this error and he ask the Manger, XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue. 

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the Federal government and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this. 


Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.
Unable to get my credit report the message was like this " Our records indicate that you received your annual free Equifax , XXXX and XXXX credit report on XXXX/XXXX/2015 ''. 
" A condition exists that prevents Equifax , XXXX and XXXX from being able to accepts your request a this time ''
I filed a complaint against Home Depot for attempting to collect charges made on my charge account that were fraudulent. Citi Bank sent me a letter notifying me the account was re opened and was going to be investigated. Friday I received a letter from Home Depot stating I closed my claim against them and I have agreed to pay the bill. This is not true. I called the number listed on the letter and stated to XXXX that I did not authorize this action. I filled out the paperwork denying the action and faxed it to the number provided. Today I received a letter from a debt collection agency on behalf of Home Depot / Citi Bank and last Thursday I was contacted by a debt collection company trying to collect this debt. 
We are not finished with my open claim. I did not make the charges. We have an open investigation. I am waiting for resolution of this issue. It seems Citibank is railroading me to pay this debt. 
In closing, this claim has not been retracted and Home Depot did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this account.
I have disputed an account listed on my credit report with XXXX at minimum 4 times. I have filed a CFPB complaint at minimum XXXX times. So far XXXX as repeatedly failed to comply with the law. The most recent illegal reporting has adjusted the Date of Last Default on an account to reflect a date that is completely invalid. Specifically, on my credit report an XXXX account currently shows with a last reporting of a late payment/charge off on or about XX/XX/XXXX. That is in fact completely inaccurate and not even remotely accurate. Specifically, the account also shows as a bad debt. However, per a letter dated XX/XX/XXXX that I have provided to EquiFax no less than XXXX times, and which on page XXXX clearly states " We last reported the status of your account to the credit reporting agencies as a charge off account, closed by the credit grantor. However, with the update to your account and its balance, it will next be reported as a satisfactory account, closed by the consumer, with a {$0.00} balance. '' This letter is signed by XXXX XXXX of the Customer Advocate Team and was filed with the CFPB in response to complaint XXXX on or about XX/XX/XXXX. EquiFax has repeatedly ignored this documentation an d mis reported the debt. EquiFax is the ONLY reporting agency that has refused to acknowledge, review and respond to the information. I have attached a screen shot of the account as listed on my EquiFax report, a copy of the letter from XXXX XXXX. At this point failure to correct errors WILL result in legal action.
I have two hard inquiries on my account less than 30 days apart from the same company and this is affecting my score. This is shown multiple times but it was a one-time authorization check.
According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The amount is for {$840.00}.
Complaint XXXX about COMENITY CAPITAL BANK. I filed a complaint before comeninty Capital Bank said they would reverse the erroneous fees and close the account. However again I received a statement for months worth of Applied fees and interest on a XXXX balance account which I have been trying to close for months. They sent you a letter agreeing to reverse the fee and close the account. This did not happen. What is my next step in having this company correct this problem? I have stopped shopping the store as a result of this annoying issue. Please advise. 
XXXXXXXXXXXX
I 'd like to dispute all of the credit inquiries on both my XXXX report and my XXXX report. I have XXXX on XXXX and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect.
I have been receiving about XXXX calls per day to my cell phone which is registered on both the Kentucky and national no call registries. When I answer the calls there is no one on the line. I have not been given the opportunity to talk with anyone. I have not been contacted by any business or company that I do business with declaring that I owe them anything. I just checked my credit report and there are no negatives on the report. I guard my credit by keeping all debts current. I am never late or delinquent when it comes to making payments. My credit score is always around XXXX. I am totally confident that I owe nothing to anyone and that there can not be a legitimate reason for CBE Group nor any other collector to be calling me.
XX/XX/2018 - ( I am behind one payment ) Today, I received 3 calls from the California Check Cashing, XXXX XXXX in XXXX XXXX, CA, today. Each time XXXX calls my work number she will ask me do disclose the last four of my Social Security Number ( SSN ). I have no privacy in my office and I work around XXXX. I refuse to provide my personal information to anyone at any time in this environment. When I am asked for the last four of my SSN, I kindly say, " No. '' She says to me that she will call me back. She does not ask me if this is an okay number to call. 

Since I share my office with a co-worker and there are often XXXX in my work area, the telephone call to my work makes for a very uncomfortable and unsafe situation. 

I called ( XXXX ) XXXX, the California Check Cashing and spoke with XXXX and explained my non-private situation to her and told her that the staff at California Check Cashing are making this debt collection very, very uncomfortable and very unsafe for me when they call my work number. When XXXX calls, she will identify herself and she will continue to ask for the last four of my SSN. I work in a XXXX, I refuse to provide my last four of my SSN out loud. I am NOT in a place to disclose my personal information or my personal business. 
When I called, I shared with XXXX that since they are not willing to comply with my request, I will be filing a complaint. XXXX told me to do what I have to do and they will not stop the calls to my work until I make a payment. 
I informed XXXX that in the XXXX environment it is considered contraband for me to bring in a cell phone, so I am unable to pick up calls from my cell phone during my work hours. After work, I am on a 1.5-2 hour commute. 

I asked XXXX for the manager 's ( XXXX ) last name so I could provide last names to add to my complaint ; XXXX refused to provide a last name and told me that she is unable to provide XXXX 's last name. Gee, it sounds like my situation to remain anonymous as much as possible ; I would think that XXXX and XXXX would understand my situation You are welcome to contact me for additional information.
My complaint is with Seterus, Inc. For 3 to 4 years my mortgage account statement has had multiple errors ranging from misapplied payments to inaccurate interest, principal and escrow amounts. In the pass 5-6 months I have received 3 different mortgage payments. I have called Seterus and spoken to their representatives. They all say a review will be made on my account and yet I continue to receive erroneous statements. The mortgage payment is wrong, misapplied payments still exist and my monthly payment continues to rise every year even with a 3.9 % fixed interest rate. And every year Seterus claims it is due to taxes. With my previous mortgage companies this did not occur.
I refinanced my mortgage and paid it off in full on XX/XX/2018. Rushmore Loan Management is the servicer, and did not apply the payoff until XX/XX/2018, which is also the day they collected an additional biweekly payment on my loan of {$1500.00} Post final payoff value in XX/XX/XXXX, Rushmore collected another biweekly payment in XX/XX/XXXX for {$1500.00}. That makes two {$1500.00} payments + the extra amount they quoted to the Title company to " ensure the amount is fully paid '' which together all three of these is now {$4900.00}. 

I called them on XX/XX/XXXX or so to find out when I can expect to receive my {$4900.00} refund and was told that their company " policy '' is to wait a full 20 business days, or rather ONE FULL MONTH to begin processing my refund. I can not believe that is legal to just sit on my {$5000.00} for a month before doing anything after they already acknowledge that the mortgage is fully paid and they have my money sitting in a suspense account and they placed the overpayment into an Escrow account. The sum of the two is the {$4900.00}. 

XXXX XXXX XXXX XXXX
my loan has been serviced by flagship credit, and I never receive any statements or email statements, i just send a payment. i do n't even have access to there online account portal, and never have had any access. I like to know where my money is going, i 'm forced to pay my payment by XXXX XXXX. I believe im being taken advantage of, and am not getting the treatment i feel i should get. i 'm only asked to pay and no disclosure of my fees my interest rate, nothing. i 've paid thousands upon thousands of dollars and no trace.
hi I 'm on payment program with American express from XX/2016 they setup the payment to be withdrew automatically from my XXXX account every month i just receive a letter from them says I 'm no longer on this program i try to speak to them on the phone why they cancel it they tolled me sorry we do not have access to your account no more and they send the balance to a collection agency, upon check my XXXX account today i found they stop to withdrew the payment last XXXX they did not call me or send me any notice for why they stop taking the payment and why they cancel me from this payment agreement account number XXXX
Am Having A Problem With My Bank Account i Lost My Debit Card There Where Some Transaction Made On My Account That I Did Not Authorize Please Help Me Resolved This Issue i Made A Claim With TD Bank on XXXX XXXX for {$41.00} $ XXXX Fee {$170.00} i did not made this transaction and the bank According to the bank investigation. they saying that the charges are valid and that this transaction are all valid. and the bank denied to credit the transaction please help me resolved this issue i use this account only for SSI Social Security Direct Deposit. and the account right now has a negative {$190.00} and i did not made this transaction and i also made a police report for this problem.
I wrote to Experian, XXXX and XXXX asking them to explain why my credit score was lower than it should be. Specifically, i explained that I have perfect credit, no delinquencies, no derogatoriness, exceptionally low credit use to credit available, all credit paid in full monthly, all property owned free and clear, over {>= $1,000,000}. in liquid assets, XXXX debt and in over 50 years never a charge off or any credit issue. Considering all of this I asked why I am not a perfect 850 score. I asked that they either increase my score to 850 or explain how they calculated my score, about 790-815. It seems to change monthly. They send form letters stating that your score is calculated using four main factors. Delinquencies, derogatory comments, debt outstanding to credit available and total debt, which can be to high or to low. When you call to speak to a credit representative to ask them to explain it they basically say that is just what it is. I ask that if everything is perfect then why is my score not perfect or why will they not explain where and why I lose points. My latest letter was sent on XX/XX/18. All of this is verifiable. Their own reports corroborate what i am saying. i can verify the asset numbers and can verify income, which i told them i would do if they would agree to change my score to 850 if I did.
This is a complaint from XXXX XXXX against National Credit Ssytems for National Credits failure to provide requested information for the debt alleged. OnXX/XX/18, consumer, received a demand letter from creditor, National Credit. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
National Credit responded on XX/XX/18 with a letter including only statements from the original account. These statements do not show National Credit 's authority to collect on the debt. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
This just shows Bank of America 's incompetence. They have been claiming I have n't submitted proof of insurance and have even signed me up for insurance all while I 've had insurance and they should have the documentation, it was provided last year and now it 's my inconvenience they ca n't properly maintain records ... 

I 'm attaching the file for last year, they still have a host of issues to address from previous complaints so I will send the latest policy once they prove I am bound by BOA terms which means send me the legal information on the transfer of my loan. Instead they have only sent thousands of duplicate pages of the original note, BOA terms, everything but the legal paperwork for the transfer of the loan.
Equifax exposed all of the information needed to commit identity theft to hackers on XX/XX/XXXX and they refuse to protect me until XX/XX/XXXX due to " high call volumes. '' In addition, they will only protect me for ONE YEAR, after which I need to start paying them to protect me. It is outrageous that they are entitled to PROFIT from their inability to protect my non-public personal information.
I made a payment on-line on XX/XX/XXXX, which I intended to cover the payment due on XX/XX/XXXX. The payment was applied to my XX/XX/XXXX due date, so a double payment was made. No warning was available on the Lending Club website to inform me that the payment was applied to the XX/XX/XXXX cycle. Now, Lending Club is unwilling to make an adjustment to make my loan current. My loan is now over 15 days late and a late fee has been applied. I do not have money in my budget to make an additional payment. 

So I'm being penalized for being early with my payment and not remembering the " fine print '' of a loan agreement. I feel like a reasonable person sees a due date as a deadline to make a payment, and would see it as better to pay prior to the due date than after. I'm sure I'm not the only borrower who has had this experience.
I have been emailing them for months about my mortgage payments and even in the process of that withdrawn money from my 401k plan with penalties to get the money. Finally on Tuesday, XX/XX/XXXX Pennymac sends me the amount for reinstatement of my mortgage. Which had two amounts one if I paid by Monday, XX/XX/XXXX and another if I paid by Wednesday, XX/XX/XXXX. Which also stated that amount would be good for two weeks. However when I called them they said that the two weeks didn't apply because on Monday, XX/XX/XXXX was a foreclosure hearing and sale. After fighting with them by phone I figured my best bet is email so I would have documentation of everything. They postponed the hearing and sale they claimed for two weeks but have not sent any legal documents to confirm that. 
I continued to push for a dollar amount to bring my mortgage back up to date and after being told that it would take 7 days they sent that to me on Wednesday, XX/XX/XXXX. As I was checking on the fastest way to send the amount {$10000.00} to them I discovered that my bank XXXX sent them the payment. 
Now Pennymac claims that they do not have a record of the payment and I had to send them proof of the transaction which I have done three times. They still have not confirmed and posted the payment nor have they sent anything about a hearing tomorrow. My wife and I are taking time off from work to go to the courthouse in the morning with my proof again. 

I have researched online and there are several complaints about Pennymac pulling the same thing and much more. Pennymac needs to be stopped playing these games and unethical business practices. So helping me can be helping a lot of other homeowners who are doing the right thing or like with us correcting what happened to have a chance. 

Thank you XXXX XXXX
On XXXX XXXX, 2015 Citibank processed a charge against an expired debit card on my account for XXXX of {$47.00}. 
While the charge was shown as pending I called and notified Citibank and spoke w/ a representative named XXXX and a supervisor named XXXX XXXX 
Although I notified them that the transaction was unauthorized and made against an expired credit card the Citibank representatives said that since the transaction was done by an automatic payment system all the Merchant needed was the card number and that Citibank did not require an expiration date for the card nor a security number. 
All that Citibank would do in response to my complaint would be to issue me a new debit card and process a dispute. The charge would remain against my account.
My loan was transferred or sold to another mortgage company and it shows on my credit as a collection account, paid status not reported by all bureaus. Due to this my credit score is lower and I received a higher interest rate when I refinanced.
My brother received a call from West Assist Management and told him I them {$1000.00} and that if I did n't pay them I 'd face legal action.They also tried to badger my brother into paying.I 've never given my brothers contact information to anyone. I also believe this information is incorrect.I have never had services with this company and have no knowledge of why they 're even on my credit report.