WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I called the automated line with Continental Finance to find out my minimum amount due. This was after my account was locked due to multiple attempts trying to access my account online. Upon entering my credit card information, I was informed there was a XXXX minimum amount due. I have made several payments in the past early and was under the impression ( through their account information line ) I had already made the payment. 

However, in XX/XX/XXXX I received an alert through XXXX that my Continental Finance had reported me 30 days late. I immediately called Continental Finance. I informed them that the system had stated I had already made the XXXX payment. The customer service representative then informed me that my credit card had been canceled and a new card was being mailed. This was a precaution due to the XXXX data breach. Keep in mind, I never received a call, a letter or an email. They simply canceled my card without any notification. As a result, when checking my account for my monthly amount to pay the credit card number was no longer active so it reported me not late and XXXX due. After 2 weeks, I never received my new card. I called and Continental Finance stated they would send one out immediately. After 2 MORE weeks, no card. I called AGAIN and they stated that it was being mailed out. I do not feel that this is my fault and should not be held responsible on my credit report for 7 years when something was done without my knowledge that affected my credit. I have disputed it with the credit bureaus with no luck. I called Continental Finance and they said I am no longer able to dispute any misinformation since it has been over 60 days. 

I had to dispute another credit card company due to the exact same reason. As a result of my letter of Goodwill, they removed the late payment from credit report. I have mailed the same letter to Continental Finance without any luck.
I called XXXX XXXX XXXX XXXX XXXX XXXX to pay {$79.00} debt. Then they tried to say I had over {$2500.00} in debt. I asked them to prove my debt by telling me what it is and mail it to me. Then they said they forgave my debt, removed it and only charged me {$79.00}. This XXXX said my debt has been erased and they gave me back all of the {$250.00}. Well, I called my bank and they said they took all XXXX! I asked XXXX again from this so called debt agency to mail me a copy of all my debt I owed. She asked why did I need it, if they dropped all of it? She put me on hold and never came back. I recorded the WHOLE. Conversations! I let her know that, she started freaking out my doctors office, XXXX, the radiologist that this bill Supposedly came from, they said is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The radiologist want to see copies of what I/ supposedly came from, they said it is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The radiologist went to see copies of what I owe. I told her this. She would not comply. I have proof they put a false {$79.00} charge on my credit! They tried to get me to call this fake number - XXXX, this is NOT XXXX XXXX   XXXX  XXXX its a XXXX number. I called the real number and they saw I am a patient, but I owe NOTHING! They said I need to report this fraud! Why offer to drop my debt and give my money back, if I really owed money?!? They put this on my credit report, making it drop over 45 points on purpose. By making it XXXX hoping I would pay it, but can not provide my bill because there is no bill. This needs to be taken on my credit report. Its a scam! 
This happened today. They put it on my credit report XX/XX/2019. Saying its from 4years 10 months ago. ( Not possible to have XXXX in charges, Illinois Medicaid does not charge a deductible ) XXXX said they gave back the money, but XXXX said the stole it. 
I have her recorded on video, it shows her number, me calling and her saying shes taking this debt off my credit report and giving the XXXX all back. I can play it to anyone that wants to hear it.
BBVA Compass is violating Federal Bankruptcy Laws. On XXXX/XXXX/2016 I filed Chapter XXXX Bankruptcy in the XXXX XXXX XXXX Florida Case # XXXX. BBVA Compass was a listed creditor BBVA Compass on XXXX XXXX, 2016 is requesting me to pay {$3900.00} by XXXX/XXXX/16
On XXXX i spoke with a total of 9 representatives from Discover on trying to seek an answer. The departments they were from was Account Managers and Account Opening Specialists continuing to bounce myself back and forth. I am trying to figure out if my husband and i are permanently blacklisted from ever having another Discover card again. 

My husband and I both had Discover cards in XXXX which were closed back in XX/XX/XXXX if i recall correctly, by Discover. Per a rep i was advised our accounts are marked as " Revoked/Closed. '' My husband has a XXXX balance with 100 % payments with Discover. Only remark is " Account closed by XXXX XXXX. '' I am in a similar boat only difference is i am still paying my balance off but 100 % payments made with every lender including Discover.

Any time one of us tries to apply with Discover or attempts a Pre-Qualification we receive the same denial reason " Unable to offer due to existing or prior relationship with Discover. '' I have spoken to quite a few reps and spent quite a bit of time trying to figure out an answer but can't receive a definitive answer. Are we both blacklisted from Discover now because our accounts were closed by Discover? One rep suggested applying in 7 years since thats when bad remarks fall of credit reports. However our Discover accounts never went to collections, never missed payments, weren't charged off. Just closed and either paid off or currently paying off. I called again and asked how long Discover keeps the " Revoked/Closed '' Status in their system and was advised its permanent. Essentially my understanding is we will never be able to obtain a Discover card again if i am understanding correctly.
Describe what happened so we can understand the issue ... 
I have been disputing multiple fraudulent accounts on my credit reports with Experian, XXXX and XXXX to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate their results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed
This debt was transferred to a collection agency not licensed to collect in Maryland. I am a Maryland resident.
Transworld Systems claims I owe o n account ending  XXXX , formerly with  XXXX   XXXX . The charges on this account are fraud, it was paid off  at one poi nt, a family member then used the card for several online purchases. Prior to account being charged off, sent  to Transworld Systems, I wa s paying on account in the amount of  XXXX  a month. Despite the fraud activity, I was attempting to make payments. Once it was charged off, auto-pay was stopped. I refuse to continue to make payments for fraudulent charges
I wanted to alert you that the Debt Buyer, Pressler and Pressler LLP, continue to engage in practices that are forbidden per XXXX. My wife and I have had an on-going legal battle with them over a {$300.00} bill from an XXXX office. 
My wife and I were not married at the time and I fear that Pressler and Pressler bought this debt for pennies on the dollar and then moved forward with a lawsuit suspecting that a single mother would n't have the time, fortitude, or knowledge to fight back. 
Relevant but not central to this complaint is that my wife never actually owed the debt, it was a mixup with the health insurance companies at the time of her service. 

Pressler and Pressler has already levied over {$300.00} out of her account and we have an upcoming case in Superior Court. I have confidence that the court will see the proper path forward at that time, but I did want to let you know about these on-going practices. 

Attached is just some of the more recent harassing and antagonizing debt collection efforts. I believe Pressler bought this debt and pursued legal remedy based on a heuristic data-centric model, rather than an attorney that actually sat down and examined the case. This is in exact opposition of XXXX, specifically most of subsections in " Prohibiting Debt-Collection Litigation Activities Without a Reasonable Basis ''. 
Our current goal is not to seek federal relief but instead to alert the CFPB of Pressler and Pressler 's aggregious deflection of the Bureau 's previous finding. 
Please contact me if you need any supporting documentation or facts. 

Respectfully, XXXX XXXX RE : Pressler and Pressler , LLP XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Company that 's reporting to my credit file under false/unlicensed name. In my credit file it shows as " Campus Partners ''. However, this particular company does n't exist or registered any state. After some digging I found out they are registered as XXXX XXXX XXXX. 

The problem is this particular company does n't respond to any of letters I 've sent to prove the Debt.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX
i requested a re-investigation of the bankruptcy on my credit report and was told that it was verified through XXXX. XXXX only shows the last 4 of a social security number. I also verified this through the bankruptcy court, in order to make sure that the information is ie : the correct full social security number, is to request a court order through the Bankruptcy court, which was not done, and that is where the error is. FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Credit reporting  agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX XXXX.
on XXXX XX/XX/2015, i have noticed that American Express has been reporting inaccurate billing information on my credit report. I am disputing a amount of XXXX, the company is reporting 30-90 days late on my credit report for which I have no knowledge of. I have contacted the company and the company is still reporting a balance that is under investigation. By law the company is not suppose to report a dispute amount on a person credit report untill the investigation is fully been resolved. The company did not address the problem. I told this company that I have no knowledge of the balance and no knowlegde of where they are collecting a payment from. I told american Express that I do have a fraud alert on my credit report and that the company should have called me, but the number that the company provided does not match the number as of now. This company had someone to open an account in my name and is affecting my credit negatively. This company is engaging in identity theft and fraud. I am asking this company to stop reporting negatively on my credit report untill the disputed amount is resolved
Rushmore Loan Management XXXX acquired my loan from from my previous lender in early XX/XX/XXXX. This is not the first time my loan service company has changed ; however, it XXXX the first time I have reached so many difficulties. XXXX did not make payments to my home owner 's insurance that I have had since originating the loan in XX/XX/XXXX. In XX/XX/XXXX I had an issue in my bathroom that required submission to insurance to be fixed. I then learned that XXXX had forced placed their own insurance with a much higher deductible. The insurance XXXX came to my property and investigated the claim which resulted in payment. The payment was made to XXXX and then I was issued a check for {$200.00}. The difference in the XXXX insurance deductibles ( my insurance vs. forced placed ) is a {$900.00} difference resulting in the repairs not being able to be completed. I have not endorsed the check as I am not getting the insurance benefits I believed I was paying for and these funds with my portion will not cover the repairs. 
I was also told by XXXX, when I found out and requested my insurance to be placed back on my loan, that it was completed. My insurance company, XXXX, as well as myself have attempted to simply add my insurance to the loan with no results. I will be trying again today.
I CALLED SIMPLE BANK ON TUESDAY XXXX  XXXX  AND SPOKE TO CUSTOMER SERVICE REGARDING NUMEROUS TRANSACTIONS IN VARYING AMOUNTS THAT ARE BEING WITHDRAWN FROM MY ACCOUNT ON A DAILY BASIS. I DO NOT KNOW WHY THIS COMPANY HAS WITHDRAWN FUNDS FROM MY CHECKING ACCOUNT FOR SEVERAL MONTHS ON A CONTINUOUS BASIS. I FOUND THEIR WEBSITE APPROXIMATELY 3 WEEKS AGO AND TRIED TO FIND A CONTACT NUMBER FOR THEM. THERE IS NO WAY OF REACHING THEM BY PHONE, HOWEVER, I CONTACTED THEIR CUSTOMER SERVICE VIA EMAIL AND DEMANDED THEY STOP TAKING MONEY FROM MY ACCOUNT AND THAT THEY RETURN THE MONEY ALREADY WITHDRAWN IMMEDIATELY. I HAVE NOT HEARD BACK FROM THEM AND THEY CONTINUE TO DEPLETE MY FUNDS REGULARLY. THEIR WEBSITE SAYS THEY HAVE TAKEN THE MONEY OUT AND PLACED IN A SAVINGS ACCOUNT SOMEWHERE AND THAT IT IS FDIC INSURED BUT I DON'T KNOW WHERE THE MONEY IS, I CAN NOT REACH THE COMPANY AND I WANT ALL {$370.00} BACK IN MY ACCOUNT IMMEDIATELY!!! I EXPRESSED TO THE SIMPLE REP LAST WEEK THAT I NEEDED THIS HANDLED IMMEDIATELY YET IT TOOK OVER TWO WEEKS TO HEAR BACK FROM SIMPLE 'S DISPUTE DEPT, THEY NEVER CALLED TO ASK ANY QUESTIONS OR ANYTHING AND THEN ON XX/XX/18 I RECEIVED A MESSAGE FROM THEM STATING NO ERROR OCCURRED AND THEY WERE DENYING MY DISPUTE. I WAS TOLD THEY COULD NOT STOP THE TRANSACTIONS BECAUSE THEY WERE OF " VARYING AMOUNTS ''???? THE FUNDS HAVE NOT BEEN CREDITED BACK TO MY ACCOUNT BY THE COMPANY EITHER, INSTEAD, MORE MONEY HAS BEEN WITHDRAWN UNTIL I HAVE ONLY {$1.00} IN MY ACCOUNT. I DEMAND A CREDIT IMMEDIATELY IN THE AMOUNT OF {$370.00} AND I WANT THESE WITHDRAWALS TO STOP PERMANENTLY. I HAVE HAD PROBLEMS WITH DISPUTES IN THE PAST AND I AM NOT WILLING TO WAIT MONTHS AND MONTHS LIKE BEFORE TO GET MY MONEY BACK. I AM ELDERLY AND LIVE ON A FIXED INCOME SO TIME IS OF THE ESSENCE. XXXX XXXX WEBSITE IS XXXX XXXX XXXX THIS WAS COPIED AND PASTED FROM THEIR WEBSITE : " Do I need a savings account? 
Nope. When you sign up for XXXX you get your own XXXX account which will hold any XXXX savings until withdrawn. Any funds held in your XXXX account are FDIC insured up to a balance of {$250000.00}. '' **This chart details expected arrival to your checking account when you create a XXXX withdrawal based on the day of the week and the time in which you created the transfer. ( If you bank with XXXX or XXXX XXXX, please refer to the second chart below ) *Please note, estimates are in PST, and may vary slightly based on when your bank distributes funds to your account. 
Transfer Created On Before XXXX PST Arrives After XXXX PST Arrives Monday Tuesday Morning Wednesday Morning Tuesday Wednesday Morning Thursday Morning Wednesday Thursday Morning Friday Morning Thursday Friday Morning Monday Morning Friday Monday Morning Tuesday Morning Saturday Tuesday Morning Tuesday Morning Sunday Tuesday Morning Tuesday Morning PLEASE HELP ME GET MY FUNDS BACK. THIS HAS BEEN AN EXTREME BURDEN ON ME, THANK YOU!
Nationstar Mortgage has given me a " loan modification '' that makes my mortgage payment higher than the original one. 
In XXXX XXXX I signed an agreement with Nationstar for the loan modification, accepting it even though the monthy payments would be about {$100.00} more than the original monthy obligation. They said I had no choice, " take it or lose the property. '' In XXXX XXXX, Nationstar informed me that they were adding an escrow payment to my loan that would raise the monthly payments by about {$700.00}, starting XXXX XXXX, XXXX. 
How can they think that this is " affordable ''.? They advised me two weeks after the " loan modification '' was signed about this increase. 
The market value of my unit per month in XXXX is only {$1500.00} a month. 
The new monthly mortgage payment is {$2000.00}, as of XXXX XXXX, XXXX. 
There are also HOA monthly fees and electricity to pay. It costs me now about {$2500.00} a month to live in this unit. This is not affordable. 
I also do n't understand my loan statements which are different each month with various fees. I can not make sense of these statements. 
Nationstar has also accepted an application from me on XXXX XXXX, XXXX for another loan modification and is also at the same time, telling me that I am not eligible for another loan modification until XX/XX/XXXX. 
I am confused now about why they offered me an application when I am ineligible.? 
Their letters they send me say that they have " modified my loan to make it affordable ''. This is not a true statement.
I received a call stating  I may  be served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made  two p ymts of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with speedy cash. He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.
XXXX/XXXX/17 XXXX XXXX XXXX XXXX placed a hard inquiry on my transunion report. I have called the company two different times and was told by two different representatives that XXXX XXXX XXXX is a department that does n't exist. The representatives each told me that it 's nothing that they can do and to call the reporting bureaus. The only credit report it 's showing up on is transunion. I have called transunion numerous times and the representatives are not willing to help either. Transunion is telling me that they do n't dispute inquiries and to call XXXX.
Someone used my name without permission to apply for auto loan. Now that person is in default and Wells Fargo continuously calls me for information on that person. My only concern is whether or not my credit is/or will be affected. I have a stellar credit rating and hope that this will not affect it. I never signed or co-signed any document ( s ) giving my approval for this loan and would appreciate it if Wells Fargo would not continuously contact me in regards to this matter. I had no knowledge that my name and phone number was used in this matter until Wells Fargo started contacting me. It is very annoying to me since I pay all my debts on time and none of my creditors are looking for me for debt that I owe because I pay my creditors on time when due. How can I get Wells Fargo to stop calling me interupting me for a matter that has nothing to do with me.
On XX/XX/XXXX XXXX notes to XXXX that my account was in collections. On XX/XX/XXXX XXXX XXXX XXXX but my account in collection to XXXX. I have both companies listing the same debt I owe on my XXXX credit file. I believe that it should only be listed once. I called XXXX XXXX on XX/XX/XXXX at XXXX and they said when I pay the debt then both companies will remove it from my report.
I disputed a tax lien on my transunion credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I filed a dispute on X/XX/2017 and the dispute was completed by X/XX/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 148, page 846 in the purported amount of {$850.00}.
I was hospitalized XX/XX/XXXX and had a deductible of {$3500.00} from my medical insurance company. 
I was paying the hospital directly, but when I called to get my balance, I was told that they did not have any information. I was then contacted by a collections agency, Progressive Mangement Systems. That was in XX/XX/XXXX. 
I made arrangements to pay XXXX per month. 
I received an itemized payment summary and one is for {$1700.00} and another for {$3800.00}. 
I have been unemployed since my illness.
I have been paying on my navient student loan since 2010 and through the years I have noticed they have quite deceptive practices. Despite every payment being made on time and a lot of extra payments, the interest rate continues to go up. They do not allow a payer to set up recurring payments that are over the due amount so I have had to go in monthly and submit an additional payment in addition to the recurring payment ( of the minimum due ). Upon making extra payments in order to pay the loan off quicker, navient in return reduces the amount they take from my account the following month as if they are purposefully attempting to lengthen the time the loan is paid back and thus getting additional interest. The interest rate has also increased steadily over time. This is very unfair practices to borrowers and they are clearly attempting every effirt to maximize their interest income and to keep borrowers stuck in a student loan as long as possible. Despite 100 % payments made on time, being paid $ XXXX of dollars a head of schedule, and a credit score greater than XXXX, my interest rate is now nearly 10 %, which I find very unacceptable for a student loan. These practices really need to be looked into.
Variable student loan interest on three out of three accounts set to highest possible percentage. All payments have been made on time, in full, and even additional principal has been paid of. Credit scores of account holder have improved and stayed at a score range of XXXX to XXXX. Immediate questioning and discussion to loan vendor ( Navient ) were engaged. No information or explanation was given as to the determination of current interest rates and the increase of said rates. Multiple phone calls to inquire on this matter have failed to gain any real reasoning.