WillisBack/dataset-financial-user-claim huggingface dataset:
I was XXXX contact by this company on XXXX XXXX, 2015. A man left a voicemail on my personal cell phone instructing me to call back regarding a business matter. They also contacted various members of my family that same day within an hour of leaving the voicemail for me. I attempted to return the call XXXX different times that day, only to be placed on hold for upwards of XXXX minutes, before either being transferred to a random voicemail or getting disconnected. 

XXXX days later, I received a " final notice '' letter from their legal department ( dated and postmarked XXXX XXXX, 2015 ), telling me I owe over {$3000.00} - an amount I do n't recognize - and demanding I pay the full balance of my account within XXXX days or the company will commence litigation and that they are presently compiling information regarding any property I own. It goes on to state that I will also have to pay the company an additional 10 % interest! plus court fees! attorney fees and processing fees. The letter states nothing of my right to dispute this debt, only that if I want to avoid further legal action, to contact them and that if I do n't pay them within XXXX days, they will assume I 'm not going to and will sue me. 

I 've already mailed a certified letter back requesting both verification of the debt and that they stop contacting me, but have not received the delivery confirmation for this letter yet. 

I received another phone call from this company today, XXXX XXXX, 2015, again asking me via voicemail to call regarding a vague " business matter '' and am hearing from the same family members as before that they are being contacted again as well. 

Also of note, the phone number for the most recent call was the same sequence of numbers as before, but appears on my caller ID as if it 's coming from another country ( i.e., XXXX as the country code, rather than XXXX for a XXXX number ).
I 've been receiving calls from a payday loan company after I 've asked them to cease and desist. They call me with different numbers from all over the country all times of the day with automated messages. I 've tried to work something out but they insist on using this method of collections and leaving voicemails.
On several occasions ( XXXX ) I 've asked Experian to delete the record which shows a delinquency to XXXX account # XXXX. This request is based on the Florida Statute 95.11 which explains that no record should be reported beyond 5 years after the final payment made to the lender. 
The last payment made to this lender before the account charged off was in XX/XX/XXXX and it was sold to a debt buyer who settled the debt with me. Therefore, as per Florida Statute 95.11, the account should have been deleted no later than XX/XX/XXXX. Not only have they failed to delete this item timely but they 've actually continued to report it even after being notified, by me, more than twice that it should be deleted. 
Recently, I was turned down for a job which paid in excess of {$75000.00} per year because of this record they stubbornly continuing to report.
I signed up with a debt relief company I had been paying off debts I had kept getting calls from 2 creditors on the list in line to be paid .. They ignored the debt relief company sent summons to court ..so I left the debt relief company it has been a long struggle to pay them and every lawyer I talk to said it wasn't legitimate? I am out close to XXXX ... Now got a lawyer for bankruptcy they tried to contact this company with the summons to have this court date extended they ignored them to so now I missed this court date now I am under the threat of having my XXXX check taken from the bank.
CNAC continues to contact employer for debt of employee. Has been asked each time to stop contacting corporate office.
I sent In a letter certified asking them to validate this debit and attached below Is what I recieve. Im asking that this info Is look into for It Is damaging my credit.this Is not a copy of a validation.
I recently paid off, after four years, a credit card consolidation debt resolution program. I entered this agreement with Pioneer Law Firm, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( phone number XXXX ). 

My account has been paid in full. I was informed on XX/XX/XXXX, by XXXX, that I had a balance of {$2800.00} left in my account. XXXX told me, however, that I owed {$23000.00} on the account to XXXX  XXXX XXXX, or their legal agent. So, I told her I wanted all drafts from my checking account stopped, the account closed, and a refund of the {$2800.00}. 

A week later, on XX/XX/XXXX, I spoke to XXXX. He told me the money ( {$2800.00} ) would be deposited in my account between Wednesday and Friday ( XXXX XXXX ). 

On XX/XX/XXXX, I was informed by XXXX that now there was only {$2600.00} in my account due to administrative fees. After more than an hour on hold, speaking to XXXX, then another hold, I wrote Pioneer an email explaining this situation. The last I was told was that another department had to handle the cancellation. 

Subsequently, I have received only inconsequential emails from Pioneer and played phone tag with a man named XXXX XXXX, with no resolution in sight. 

In short, after four long years, and over {$30000.00}, I have come to find out that Pioneer has only settled about {$20000.00} in debt. Our agreement was to settle over {$43000.00} in debt. Pioneer Law Firm did NOT uphold its end of the bargain. Therefore, I am lodging this complaint. I asked for a refund of what was left in my account, and I was told it was on its way. I was told that I still owe over {$23000.00} on this account. How could that possibly be? 


Consequently, I want the {$2800.00} Pioneer Law Firm had in my account when I asked them to send me a refund. And, finally, I want the {$23000.00} taken off my credit report, which is what Pioneer Law firm was supposed to be doing the last four years, While I was paying them {$630.00} a month. 


I mistakenly mailed this letter to XXXX, XXXX on XX/XX/XXXX. I will also mail and fax this information and the relevant documents to you. 


Thank you for your kind attention.
There are several unauthorized transactions from Paypal which include amounts of XXXX and XXXX on XX/XX/XXXX to a XXXX, a third transaction in the amount of XXXX on XX/XX/XXXX to an XXXX XXXX. These were were all reported to Paypal, nothing provided to me showing what these charges are for, Paypal reps were unable to find any information as to what product/service these items are for. A rep I spoke with yesterday was unable to find out what product or service the payment, XXXX, is for. He even stated it is suspicious there is no product listed on transactions. I do not know the person ( s ) whom funds were sent to and did not receive anything from them.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/201 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX-XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXXXXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date :XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018
My car payment is {$470.00}. Although I maintained insurance and submitted proof, this company put force place insurance on my account. I paid my account in full for XX/XX/XXXX this company gave my a late delinquency on my account because I did not pay for there forced placed insurance.
I have told them i have nothing to do with this debt and to remove my name and number from the list. This is a loan that my brother has for school which payments are being made and they will not remove my phone number.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, Rent Recovery Solutions License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA does not have a license, bond, nor certificate of authority to collect in the state of Arizona.
XXXX XXXX acollector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The innaccurate negative information is appearing on XXXX, XXXX and equifax credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars. 
The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the account and moved to another carrier.I was being billed heavily as I had added my girlfriend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good or adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.
I did a XXXX transaction. Then I cancelled the transaction. IWas told by XXXX that my transaction would be refunded to my account. It was never refunded. Next I started an investigation through Wells Fargo. I was temporarily refunde the money back into my account. Wells Fargo told me to send documentation of the XXXX transaction. I attempted to send the information. But, the email uWas given by the Wells Fargo rep was the wrong email address. Wellsfargo, then turned around and took the money out of my account. I called them to inform them about me receiving a wrong email address. I have since resent the info on many occasions. I never did receive my refund, so I set up a complaint with the XXXX. Wads promised to receive theRefund. But, all I have gotten from Wellsfargo has been Lies and disrespect. I just want myRefund,
My Discover It was issued with a very small credit line of {$1500.00} compared to my regular Discover Card with a $ XXXX.I have a excellent credit rating and a FICO score above 820.The Discover It was received with a promotion to double the accrued points ( miles ) on the anniversary date.I received this card on XX/XX/2018 and have been limited by the very low credit line.I tried to make a payment today of {$1500.00} but was denied because the payment went over by $ 33.00.Discover is keeping my credit line low to discourage me from any spending with this card.
Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through FedLoan Servicing for the months of XXXX and XXXX of XXXX. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.
In XX/XX/2018, I took out a personal loan with XXXX XXXX XXXX. I walked into the store located on XXXX and XXXX  XXXX in XXXX XXXX. The staff was nice and welcoming, and I took out a {$500.00} loan. I set up a payment arrangement for weekly payments with no missed payments. In XX/XX/XXXX, I was told I had available credit on my account without having to take out and additional loan. XXXX called this a " credit line increase ''. I took advantage of the increase since it was during a time of need. After about six weeks of weekly payments, I had to miss a payment due to health reasons and other finances. Upon checking my credit report, I noticed XXXX marked my previous account as closed and opened another in my name. These are not the terms discussed when the credit line increase was granted. I informed XXXX of this and received no response. My credit score dropped due to this. My payments have been missed for about a month due to the excess interest added to my loan. They've also miscalculated my pay weekly and have me as making {$480.00} per week when my weekly pay is usually no more than {$330.00} per week after taxes. I also let XXXX  know I am on commission and get paid at the end of the month and that's what is used to make payments on my bills. I can not afford weekly payments. By the end of XX/XX/XXXX the loan will be paid off in full, but the interest can not be paid. It is excessive and this is a predatory loan as far as I'm concerned. My income does not match the payment schedule XXXX XXXX XXXX expects and the interest and fees are not able to be paid per my limited income.
I successfully completed my Chapter XXXX bankruptcy and the discharge was sent to BSI by the court, my attorney and myself by USPS and fax. They claim to have not received it, have not cashed the final payment from the BK court and are refusing my payments because they state I am still in BK. Wait times are ex- cessive, employees are rude, calls are not returned and they are great at dumping you into emails that have no contact information and nothing is getting done. This is placing my 'fresh start ' after BK in serious jeopardy and I am beyond panicked at the thought of this ruining my future when I am clearly trying to do the right thing.
my wife is XXXX on XXXX have XXXX problems and is taking XXXX meds when a friend took her to title max for we were having some financial problems thaey gave a title loan on the car that she use to take her to the doctor.This was XX/XX/XXXX. refinance The loan was for for XXXX XXXX she kept paying the high interest 607.00 0ne time she paid XXXX then another time she paid XXXX now they told her onXX/XX/XXXX that she was in default of {$4400.00}. she was paying the interest and more every month. They even had her income as XXXX which she never told them that she only receive XXXX on XXXX and XXXX XXXX sometimes XXXX. what is going on this is a ripoff and also they took advantage of a XXXX person. She had already paidt them over {$6000.00} please help as soon as possible thanks.its titlemas XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX.phone XXXX fax XXXX. I was her Payee they  should have never given her a loan without my consent. she is not stable when she do n't take her meds and her friends tempt her she had a XXXX XXXX in XX/XX/XXXX and she had XXXX XXXX in XX/XX/XXXX after that that she was placed on XXXX  medications for XXXX XXXX where she have to tale a lot of medications. she had been going there giving them the payments without even reading stuff and just doing what they told her to do. she said they have a screen that have the things on it and they tell her to touch certain things and that how they do then they takethe money she give them it be over the interest sometimes what happen to that money. why is the loan more than she owed it went down and now it sent back up even after they already got over 6000.00 some one please help or attorneys will be involved. we also want o help others so they do n't fall into this same trap and get ripped off they need to close down these places.
West lake financial services located in California is reported on all  XXXX  of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   at  XXXX  in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.
I XXXX XXXX am a professional XXXX woman who works XXXX full time jobs to protect her family. In 2014 I went through a divorce, and my former husband did not pay the mortgage for several months. I took over the mortgage, obtained a modification on my own, and have been current with my mortgage payments for the past two years. The mortgage servicer has maintained a continuous 180-day late payment status, which reflects on my credit rating and drives my credit scores down significantly. This practice is highly discriminatory and I will bring this matter to the XXXX in XXXX Pennsylvania if it is not corrected. The account should show as no ; late payments since the approved modification in 2014. I make my claim with the CFPB to take action on this highly illegal and discriminatory practice on credit reporting. All payment histories with each respective credit reporting agencies must show no late payments since the modification approval.
XXXX XXXX has placed a fraudulent account on my credit reports under collection. We sent proof from XXXX XXXX of the fraud that was conducted. This has caused an issue with my ability to purchase a home and apply for credit cards. Credit reporting Agencies state it can take up to 90 days to remove an item from a report. That should not be for an item that was proven to be fraudulent and should be immediately removed by all three credit agencies if the company recognizes the fraudulent activity. Please help as I need to close on my house.
They call every day sometimes multiple times. I have sent written notification to US Bank not to call. This company refuses to even provide me information on who they are or how to send them written notice to stop calling. I have medical issues that these calls cause XXXX. I have asked them to stop calling and to please just file a lawsuit. They refuse. This latest call they claimed to be US Bank. Come to find out, they are n't US Bank, they are a third party collection agency violating the collection laws. They have sent no communication through the mail identifying themselves. They refuse to give any information as to who they are and flat out refused to give me an address so that I could put them on notice in writing not to call any more. This has gone beyond collections into harrassment just for the fun of it.
My data was affected as part of the Equifax data breach. I signed up for TrustedID from Equifax on XXXX. Today is XXXX and I received the sign-up email from Equifax last week, but their website has been down/broken. The sign-up email says " You have already signed up for TrustedID and this link is no longer valid. '' However I never signed up for this service - the link never worked for me. The website www.trustedID.com is down and has been for days. In the random moments the website goes live, I try to request my password ( I never created one, but it says I have an account, so I figured I could try it?! ) and the website just times out and then crashes. 

This is wholly inadequate. Equifax should be fined and censured for their callous attention to basic security practices which can affect my credit score.
Disputed creditor named XXXX account # XXXX.... on my Experian credit file and Experian and XXXX failed to remove this account even though it does not belong to me, They also failed to provide proof that this account is mine.
I have my loan through Chase. Chase reevaluated my mortgage payment and they raised it due to escrow. The increase in payment was three hundred plus dollars, on a XXXX mortgage payment. In the meantime, In XX/XX/XXXX I filed for a homestead exemption with my state in XX/XX/XXXX. I called multiple times at the end of XX/XX/XXXX and all through XX/XX/XXXX and was told they would accept an estimation. All the while explaining multiple times to multiple people that the XXXX central appraisal district ( XXXX ) updates everything on the XX/XX/XXXX. But I was told that the estimation would be enough. Now we come to XX/XX/XXXX I spoke with the escrow department and was told nothing will change. Also, that I would have to pay the higher payment till XX/XX/XXXX till they do a escrow analysis again. I emphasized the point of the XX/XX/XXXX update again and was criticized by the agent for requesting the escrow analysis too early. Even after explaining that I was told to request it because I was told they would accept the estimation. She was telling me it was my mistake and not Chases for the misinformation. After much argument they ordered another analysis. In the bulk of the call she threatened to do nothing about the issue. At this point I am waiting for this to be fixed, and dont take a like being blamed for being what I was told to do, and just want to pay what I am supposed to pay. Who knows how many people they are overcharging and keeping in their accounts till the end of the year, either gaining interest or getting more money to loan out.