WillisBack/dataset-financial-user-claim huggingface dataset:
I happened to take a look at my Transunion credit report and noticed that there was an open collection from XXXX XXXX for a balance of {$760.00}. I tried contacting them but the number they have listed on my credit report is a non working number. It states that account was opened XX/XX/2010 with XXXX. I NEVER opened an account with XXXX XX/XX/2010. XX/XX/2010 I was training with XXXX XXXX and it would have been impossible to open any accounts then. There was also a fraud alert placed on my credit report because there were items popping up that I have no details about. I would like this taken off my credit report because it does not belong to me. XXXX also has no knowledge of any account being opened by me XX/XX/2010. It also states that I was making payments and I am making no such thing.
I AM EMAILING YOU IN HOPE OF BEING ABLE TO RESOLVE AN ISSUE I AM HAVING ON MY CREDIT REOPORT. I AM IN THE PROCESS OF TRYING TO BUY A HOUSE AFTER MY XXXX FROM THE XXXX. I AM XXXX AND HAVE BEEN LIVING WITH MY INLAWS FOR THE PAST 6 MONTHS WITH MY FAMILY SO THAT I CAN REPAIR MY CREDIT AND PAY OFF AND GET CURRENT ON ALL OUR BILLS AND CREDIT ISSUES. I WAS ALMOST DONE WITH THE CLOSING OF A HOUSE WE REALLY WANTED TO SPEND THE REST OF OUR LIVES IN AND THE V.A. APPROVED OUR LOAN EARLY ON IN THE PROCESS. WHEN AT THE BEGINING OF THIS WEEK THE UNDERWRITER PULLED MY CREDIT A 90 DAY LATE PAYMENT SHOWED UP ON OUR CREDIT REPORT THAT HAD FELL OF THE REPORT AND THE UNDERWRITER DENIED US FROM GETTING THE HOUSE. DUE TO THIS WE ARE LOOKING AT LOOSING THE HOUSE WE ALL FELL IN LOVE WITH. I UNDERSTAND THAT I DID HAVE A ISSUE WITH THE PAYMENTS DURING THE TIME I WAS IN TRANSITION FROM THE XXXX LIFE WAITING TO GET THE XXXX PAYMENTS STARTED FROM THE V.A. AND XXXX. I WISH THAT WOULD NOT HAVE HAPPENED AND I DO UNDERSTAND IT WAS MY FAULT FOR THE LATE PAYMENTS I AM IN NO WAY TRYING TO DISPUTE THAT. I AM WRITING YOU TO SEE IF YOU WOULD PLEASE REMOVE THE 90 DAY LATE ON MY CREDIT REPORT THAT HAS POSTED AGAIN ON MY CREDIT REPORT. IF YOU WOULD PLEASE LOOK AT MY WIFES ACCOUNT AND MINE YOU WILL SEE THAT MY WIFES ACCOUNT IS COMPLETLY PAID OF HER NAME IS XXXX XXXX XXXX. I PAID {$1400.00} AS A LUMP SUM PAYMENT TO GET MY ACCOOUNT DOWN TO {$110.00} AS ADVISED BY MY FINANCE COMPANY. HE WAS TELLING ME THAT THE CREDITOR CAN TAKE THE 90 DAY LATE PAYMENT OFF OR ADJUST WHAT IS POSTED ON MY CREDIT REPORT. APARENTLY WHEN MY FINANCE AGENT PULLED MY CREDIT THIS 90 DAY LATE WAS NOT ON MY REPORT AND NOW WHEN THE UNDERWRITER PULLED MY CREDIT IT WAS ON THERE AND STOPPED MY FAMILY AND I FROM BUYING THE HOUSE. I HAVE BEEN WORKING REALLY HARD AND PAYING A LOT OF MONEY TO BE ABLE TO MAKE OUR DREAMS COME TRUE BY BUYING A HOUSE OF OUR OWN AND FINALLY SETTELING DOWN AND RAISING OUR XXXX YEAR OLD DAUGHTER. PLEASE I KNOW YOU DO NOT HAVE TO HELP ME AND FIX THE ISSUE WITH THE 90 DAY LATE PAYMENT BUT I AM PRAYING THAT YOU WILL PLEASE SHOW ME SOME COMPATION AND FIX THIS ISSUE WITH MY CREDIT REPORT SO THAT MY FAMILY AND I CAN FINISH THE CLOSING ON THIS HOUSE OR IF WE MISSED THIS HOUSE BE ABLE TO GET THE NEXT XXXX SO WE CAN MOVE OUT ON OUR OWN. THANK YOU FOR ANYTHING AND EVERYTHING YOU CAN DO TO HELP RESOLVE THIS MATTER AND I THANK YOU FOR YOUR TIME AND SERVICE XXXX. CAN YOU PLEASE ALSO GIVE ME THE TIME OF MONTH YOU POST ON CREDIT REPORTS? XXXX BLESS AND THANK YOU.
This account was opened fraudulently. I have tried to fix this problem with XXXX XXXX, Portfolio Recovery, as well as the credit reporting agencies with no success.
I am writing this complaint as no action has been taken after having multiple calls to XXXX regarding the calls I am getting from debt collection agency stating I have a pending balance to XXXX. 

On XX/XX/XXXX, over phone, I have cleared full balance and closed the account/membership with XXXX. My bank account statement has the transaction recorded for the same. Despite full payment and closing my account my information was given to First credit service. They have been calling me since XX/XX/XXXX to collect the balance. 

I have made plethora of calls to XXXX regarding the same. Explained the situation every time and every time I have been assured that my account is closed and no balance is pending situation would be taken care off. 

Further, I have been asking for the receipt from the day I made the payment over the phone and subsequently the calls that I have made. Every time I have asked for the receipt I have been told I will receive the receipt in my email. Every time I have confirmed that there is a correct email on account - XXXXXXXXXXXX. However, I have n't received any receipt. 

I have also asked for the receipt to be mailed to my address. I have n't received that. 

Continuous calls from the First credit service to collect debt has become harassment and torture. 

I have also told First Credit service representative over phone that XXXX is not giving me receipt. I told them I can provide bank account transaction detail with reference number and receipt number but they are not accepting that. 

Details for the membership account : Name : XXXX XXXX Phone : XXXX Email : XXXXXXXXXXXX Payment made by credit card ending XXXX to XXXX NC on XX/XX/XXXX. 

PS : All the calls with XXXX was with membership managers.
Requested copy of statement that show the credits that changed the reporting balance from {$2500.00} reported XXXX 2016 to {$1900.00} reported balance as of XXXX 2016. I sent a direct request to Capital One requesting the statement for that change but never received XXXX. I did receive a letter saying Capital One was going to change it but never the supporting Credit Card statements showing how the account was credited. Also could I get a verification of the correct address and furnisher name as it would appear on my credit report for account number as reporting in my CFPB complaint.
XXXX XXXX XXXX failed to remove my father 's credit card account from my credit reporting agencies. They removed it from XXXX, but failed to remove the item from Experian and XXXX. When I put a dispute in for Experian, they updated the status as " update '' indicating that the account belongs to me. I put another dispute in today with Experian and XXXX. I expressed the account belongs to my father XXXX XXXX and my purpose on the account was to be listed as an Power of Attorney " ONLY ''. My father is XXXX years old and I am his daughter assisting him with his fiscal responsibilities. However, XXXX XXXX XXXX without my knowledge or authorization and without my father 's knowledge or authorization added me " XXXX XXXX '' to my father 's account as a XXXX cardholder. At no time did I receive a credit card, nor did I make any purchases with a card. I did not open up any line of credit with XXXX XXXX XXXX nor did I sign any documentation to request a line of credit. I am requesting that XXXX XXXX XXXX remove their account from all credit reporting agencies. I am not responsible for any line of credit with XXXX XXXX XXXX nor is this my account. I also put in a dispute with XXXX File number XXXX on XX/XX/2015, and the XXXX XXXX XXXX item was removed.
I applied for a deferment in XX/XX/2018. On XX/XX/XXXX I was approved. I received a billing statement from Nelnet showing a XXXX balance due. As of XX/XX/XXXX I am receiveng calla from Nelnet seeking payment and late charges. I attempted to call but the customer service agent made no attempt to research my claim amd only offered to send me another deferment application even though I told her I had email verifications.
Just recently received ( XX/XX/2019 ) this notice in the mail with no return address dated XX/XX/2019, asking XXXX XXXX to give them my banking information, and a copy of my car loan. This company Portfolio Recovery has already withdrew money from a bank account that they have access to, they ( Portfolio Recovery ) goes to that bank account to get funds monthly, there is no need to to continue to get information that they already have. This company has also failed to produce a signed contract that I've signed to prove the money owed on this alleged debt, but still continues to collect money.
I refinanced with Quicken Loans in XX/XX/2014. The reason I refinanced was to remove my husbands name from the deed of my home. I was thinking about filing for divorce as it was discovered my husband had cheated on me, but was still unsure. Quicken Loans told me that the easiest and fastest way to remove the name is refinance and they will have the other party sign a Removal Request form during the closing. They stated that this is something they do all the time and it shouldn't be a problem. They informed us that the documents that needed to be signed by my husband would be included in the closing documents that the notary person they were sending to the home would have at closing. My husband was present at the closing and explained every detail. Before signing the document he asked the notary that was sent to the home by Quicken Loans to confirm again that the document provided by Quicken Loans would remove him from the deed the notary confirmed with us both that yes he would be removed. My husband signed the document and was provided a copy of the closing documents which included the form for his records. Fast forward 3 years later after speaking with my lawyer regarding a different matter it was discovered that my husband was never removed from the deed, which was supposed to be done by Quicken Loans. He is now deceased and they are telling me its nothing that they can do. I have the signed document that was notarized during closing with the request to be removed from the deed. They are telling me they are sorry for the issue, but not doing anything about it. I had a 20 year mortgage with 18 years left before the refinance so why would I go to a 30 year mortgage, roll over {$5000.00} closing cost into the mortgage for a {$100.00} cheaper note? I asked the Quicken Loans Rep why would I refinance for nothing? The signed document provided by Quicken Loans states what was supposed to be done. The Quicken Loans Rep couldn't answer the question. We were misled by Quicken Loans and told anything just to get the refinance.
To whom it may concern, I have been dealing with an issue with Community Choice Financial , Inc ( CCFI ) for almost two years now. The issues and time lines have been addressed previously in CFPB complaint number XXXX. At the conclusion of the complaint, CCFI responded to the complaint asking for me to reach out to a XXXX.XXXX at XXXX x XXXX. I have reached out to XXXX XXXX several times and left messages with no repsonse. Additionally, I have attempted to reach XXXX XXXX by speaking with employees at CCFI asking if they could transfer me to him. Every time I have talked with someone at CCFI, they do not transfer me, they terminate the call resulting in my need to call back repeatedly. I have done this continuously and received the same result, " Hang Up! '' Not only does this make it extremely difficult to resolve the account, it is extremely frustrating and makes me anxious. 

Also in the Company response from CFPB complaint number XXXX, XXXX said they had successfully recalled the collection accounts from XXXX, XXXX XXXX XXXX so the account could be handled internally. Instead of communicating with me like they suggested ; they wo n't return calls, hang up on me repeatedly and then turn around and reassigned my account back out with another collection company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I see all of their practices in this matter to be harassing and misleading. During this time I have not been able to speak with someone my account has over doubled. There is no interest from CCFI to resolve the matter because they had been charging a usury interest rate that I will not be able to ever resolve. I have paid back nearly twice as much as I borrowed when this whole matter started. 

In the interest of resolving this matter, I request this matter be closed and the account be satisfied. CCFI is a large company that has deep pockets to oppress and corner me. It makes me sick and anxious to think about this matter. I have more than paid back the monies and then some, but they will not take my calls, so the balance can quadruple. I request the response from CCFI be a resolution to this matter, not a request for a call. 

Respectfully, XXXX XXXX XXXX
I called Navient and asked if I could lower my monthly payments by a few XXXX dollars each month ( XXXX to about XXXX a month ). They told me that both myself and my cosigner needed to file a financial statement. My cosigner, who is also going through economic hardships ( divorce and alimony payments ) was denied because he makes to much per month, even though they did n't take in to account the money he is required to pay by law each month. I recalled and asked if their was any other option available and was quickly informed that there were not and that me or my cosigner were required to make the payments. I told the Navient employee that we both can not make the payments and that there has to be other options including the one I was currently looking at on their website which states that if you work under XXXX hours a week you are eligible for deferment. Currently I am looking for a full time position but am only able to work XXXX hours a week. The employee quickly told me that I was not eligible for deferment based on hours worked per week. When I asked why that option was on their website they had informed me that I was wrong and there was no such program.
In XXXX 2016 the vehicle broke down. A tow company took the vehicle out of my hands. I signed a bill of sale and he took over the title. He said he would pay balance and not too worry. The car no longer in my possession. It 's been long gone for a year now and they keep calling me, harassing me and my friends. Going to their houses and harrassing them, then saying they have a judgement against me, throwing papers at them, going through their mail to try to find me. I lost my job, went thru divorce and became homeless for 4 months. I get on my feet again, only to repeat the process. I live a clean and peaceful life and tired of the calls. 

They do n't listen and I sent letters which they said they did n't receive. And a copy of the bill of sale for XXXX dollars as well as to the DMV. Wilshire Consumer Credit is the worst.
On XX/XX/XXXX my office secretary sent me an email stating that she had received an automated phone call stating that " they '' have tried to fax me documents, but were unable to do so and I was to call them at XXXX. 
I called them on XX/XX/XXXX, and I spoke to XXXX XXXX who said she was calling from XXXX XXXX XXXX in XXXX CA. She said that CXXXX XXXX XXXX ( their client ) had attempted to email me several times about a debt I owed them, and that I had not responded. Now it was going to litigation. If I didn't pay {$940.00} right now, I would be served papers, and I would have to settle the matter in court. They would sue me for check fraud. Her tone was very abrupt, loud, and demanding. I told her that I hadn't received any emails from XXXX XXXX XXXXXXXX - even in my spam. I told her that I wouldn't give any information over the phone, and that they would need to send me all documentation through the mail - information about their company and information about the supposed debt I still owed. She said it was too late for that. She had all of my information including my SSN, previous addresses, phone number, and my work phone number. She told me that she had spoken to my supervisor at work and the Human Resources department as well. ( both people said that they had not talked to anyone about this. ) I called XXXX XXXX  XXXX on XX/XX/XXXX, and they confirmed that my debt with them had been settled as of XX/XX/XXXX. I called XXXX XXXX XXXX back to let them know this information and spoke with XXXX XXXX and told her that I had proof that my debt had been settled with XXXX XXXX XXXX in XX/XX/XXXX. She said I was still going to be served, and that I had better bring proof of that when I was in court. I told her " you bet I will ''. She hung up on me.
Navient has been the worst company I have ever dealt with. Since graduating college in XX/XX/2009, I have been laid off twice and graduated in the worst possible job climate. With no other choices I had to put deferments and forbearances on all of my loans until that option ran out. At this point in time according to Navient, I have officially run out of options. The harassment of phone calls has been unbearable. My mom and I are both unemployed right now, fighting to stay afloat and they offer me no concrete solutions. I even did a joint phone call with my mom last month telling them that we have nothing to our name. They do n't care. I owe {$3300.00} in past due amounts and I 'm drowning. When I did have a job I was able to pay everything on time. For example, last year alone I paid roughly {$12000.00} back to them. What really set me over the edge was my last phone call with Navient. The representative said that I needed to pay {$900.00} to Navient or else they would report the delinquencies to the credit bureau. They do n't understand that I have NO MONEY. I am unemployed and barely surviving with my unemployment benefits. I borrowed the {$900.00} from a friend so that they would n't report my late payments. After paying them, I received an alert on Friday saying that they had reported late payments to the credit bureau and my credit score dropped XXXX points. I 've diligently worked over 5 years to get my credit score to where it is and Navient has not only lied to my face but has damaged the one thing I 've been so proud of. I feel like I have been robbed. I struggle severely with XXXX and XXXX and this company truly pushes me over the edge. I have no where else to turn. I feel so defeated from Navient. I will gladly return my diploma from college if it will stop the harassment and help ease my state of mind. Why wo n't a company help their patrons calling in begging for a solution???!!! Navient has failed me and my family and I would never wish this pain and suffering to even my worst enemy. Please, can someone help me?
All dates are approx. 

In early XX/XX/XXXX I applied for a personal credit card with Capital One, NA ( " CO '' ). The application was done entirely on line and no documents were provided. The card was approved and issued almost immediately with ( I believe ) a credit line of {$21000.00}. The card was used sporadically for a year and the balance paid upon receipt of the monthly statement. 

In early XX/XX/XXXX CO offered, by email, to issue a second card to an authorized user. I completed the application process and was notified before XX/XX/XXXX that the additional card had been approved and would be mailed to me at the address I included on the authorized user application. To date the card has yet to be rec 'd although, in multiple telephone conversations in the last 4 weeks, I have been told that the card was mailed twice to me. 

By a letter dated XX/XX/XXXX but rec 'd almost three weeks later ( in part because CO mailed it to an incorrect and dated address ) I was advised that my credit line had been " placed on hold ''. I contacted CO at the telephone number on the form letter. This would be telephone call # 1. That contact was with a person who was unable to help me, but because it was Saturday when I called the contact suggested I call back during " regular business hours ''. Contact # 1 did affirm that the authorized user card had been mailed and that she would have a second card issued to replace the absent card. I called CO again the following week in telephone call # 2. In the second call I managed to, eventually, speak with someone who claimed the title of " manager ''. Both people with whom I spoke in call # 2 insisted that I provide additional documentation to establish that I was the cardholder ( i.e., XXXX XXXX ). The additional documentation included a government issued photo ID showing my current address, and which I explained was a document which did not exist. ( Ironically, it also did not exist when I originally applied for the card in XX/XX/XXXX. ) Because I was unable to establish any rational dialogue with the " manager '' during call # 2, and because the women with whom I spoke said her supervisor did not take telephone calls, I requested that the unknown supervisor contact me  within the promised 24-48 hours. That call was never rec 'd. 

On XX/XX/XXXX I called CO a third time. On this occasion I spoke with multiple people and including another " manager '' who insisted that I had to provide documentation which, as I patiently and repeatedly explained, did not exist. Between call # 2 and call # 3 the situation grew more offensive, however ; at the time of the second call to CO I was owed some unknown amount of reward points. By call # 3 I also had a positive balance on my CO card because of a credit from a retailer.

CO now insists that it will not answer any questions about the card, sums due to me, or a refund mechanism, and apparently plans on simply sitting on the frozen account for an interminable period of time. There is no contact with whom I have spoken, in approx. 2.5 hrs of telephone conversation, who seems interested in addressing this CO-inflicted and created situation.
I borrowed {$10000.00} from the XXXX ( XXXX ) in XXXX and in XXXX. After taking their finance charges and interest rate up front ( {$140000.00} ) the actual monetary value that I received was {$8600.00} for each year, {$8400.00} of which went to pay my XXXX XXXX tuition for each of those two years. For a total Principal of {$17000.00}, I paid XXXX $ XXXX {$30000.00}. 

I asked XXXX on many occasions to send me a statement stating that my Loan had been retired. I never got any response back from them. Years passed until one day, I received a call from a debt collector purporting to represent XXXX in their attempt to collect an outstanding {$30000.00} debt that reportedly owed. Of course I disputed this and sent them documentations of payment I sent the Agency over they years. I never heard from that particular Debt Collection Agency or XXXX again, except every few years, another debt Collecting Agency purporting to rep rent XXXX will resurface and we will go through the same thing again. 

In XXXX this year ( XXXX ), up until the present ( XXXX/XXXX/XXXX ), I started receiving a barrage of harassing and threatening phone calls at all hours of the day, sometimes as late as XXXX ; on weekdays and on weekends. They would call one of my Mobil Phones by the hour-it got to be so annoying that I decided not to recharge the battery when it died down and instead started using my second Mobil Phone which is unlisted. I have blocked the multiple different numbers that they use only for them invent another phone number. They have so many deferent phone numbers- more numerous than the XXXX so it was futile on my part to try to keep blocking these numbers. Somehow, they got my work phone number and has been calling my practice non-stop and disrupting my daily clinic activities when I am caring for my patients. Despite my telling them to cease and desist, these threatening and harassing phone calls continue unabated. The calls have been relentless. 

Even though, I told them the debt has been completely paid off and I do not owe any debt, they threaten to sue and take my property. They have gone as far as fictitiously conjuring a figure of {$130000.00} out of thin air as the debt that I owe. To make good on their threats, they have referred this non existent bogus debt to an attorney who in tandem with Transworld Systems Inc. continue to threaten and harass me and my family. They left a message with my wife to call them urgently to discuss the {$130000.00} phantom debt or else they will take legal action against me. 

Despite telling them about the history of the XXXX Loan and letting them know in no uncertain terms that I have paid the debt in full, the harassing and threatening phone calls continue unabated. 

Sincerely,