WillisBack/dataset-financial-user-claim huggingface dataset:
This is a debt with Conn 's - I am not 30 days late- I always pay before it goes over 30 days. I have told them to stop calling me because they ALWAYS get paid. They stopped for awhile, but now they are back to calling over and over again. They call from different variations of the XXXX number and there are times that I have counted over 20 calls per day. I can sit and watch my phone ring- then 20 minutes later- its them again from a little bit different number. This is ridiculous and this should not be acceptable. This is beyond frustrating. This is an abusive and harassing tactic that should not be allowed.
My husband and I have a credit card through Chase. On XXXX/XXXX/15 I set up an automatic payment of the balance due each month through Chase 's website. I received confirmation that Auto Pay was set up from the XXXX/XXXX/15 bill going forward. I then received a phone call from Chase saying that my bill was overdue and unpaid on XXXX/XXXX/15. After speaking with customer service, I discovered that my payment did not go through for some reason, although Chase could n't explain why. I made a payment through Chase 's website on the same day and corrected the banking information they had for the next auto pay. When I received my next bill, it said in bold letters " Auto Pay is ON. '' I called Chase Customer Service on XXXX/XXXX/15 and they confirmed that Auto Pay was on. I therefore did not schedule a payment through my bank for the next bill cycle due XXXX/XXXX/15. On XXXX/XXXX/15, Chase Customer Service called my home and told my husband the bill had n't been paid, said he " was a deadbeat '' and " had obligations. '' This same day, I called Customer Service back and they told me that Auto Pay was NOT on, and had been deleted on XXXX/XXXX/15, although Chase did not avail itself of any of our contact information to inform us of this. Chase refused to credit the {$25.00} late fee, so my husband cancelled the card and I scheduled a payment of the full balance due through my bank. I am requesting a refund of the {$25.00} late fee since this was an error that I thought was previously resolved. Chase 's collections department should not be calling customers " deadbeats '' when they have been paying their bill IN FULL, every month for years until trying to use their ridiculous auto pay service.
I have multiple inquiries from unheard of sources!! I 've asked for removal and they are still there!! I fell this is fraud and it is affecting my wellbeing! Acct in question as follows : 1. XXXX bank XXXX. 2. XXXX XXXX. 3. XXXX XXXX. 4. XXXX XXXX ( appears several times! ) 5. XXXX XXXX. 6. XXXX XXXX. 7. XXXX XXXX. 8.XXXX XXXX. 9.XXXX XXXX. 10.XXXX XXXX
Sears credit card ( administered by Citibank XXXX ran a promotion promising 10 % back on purchases totaling up to {$800.00} per month at gas stations, grocery stores, and restaurants from XXXX through XXXX 2016. ( Email and letter describing terms will be attached. ) These credits have never been processed properly, despite my contacting customer service four separate times. My purchases in the relevant categories totaled {$630.00} in XXXX, {$540.00} in XXXX, and {$780.00} in XXXX, so I ought to have earned {$190.00}. At one point, I did get credited {$58.00} ( a number that corresponds to nothing so far as I can see ), but I 'm still short {$130.00}. ( Relevant statements will also be attached. ) Processing this promotion requires nothing more than simple arithmetic, but customer service just keeps saying -- four times, now -- that the problem will certainly be resolved by some certain date, at which point nothing happens, I call again, and they offer some other date. Last time, customer service tried to tell me I was complaining prematurely because two statement periods had n't yet passed ( they had ) and the problem was n't yet 8 weeks old ( it was in fact 9 weeks old ). Indeed, the people working for customer service seem wholly unfamiliar with the promotions their employer has offered, and continually misunderstand what account entries mean. For instance, Sears ran a similar promotion for XXXX and XXXX, and customer service never seems to grasp that credits for that promotion have nothing to do with my current complaint.
My Siblings and Parents Companies have ' XXXX XXXX Dollars with XXXX XXXX XXXX which, In turn Pays an XXXX Representative that ' works in 'poor ' decision making.. As, I Could not. understand the Continued Fees I pay to the Credit Bureau, Bank , Creditor and Insurance Company in a Continuing Identity Theft, Fraud, and Scamming.
Potentially, the Personal Theft in a Made Cause could be. Hundreds of Thousands of Dollars amongst ' all the Credit Bureaus. ( XX/XX/XXXX - XX/XX/XXXX ) ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I have tried to correct this. I have received SEVERAL calls from XXXX XXXX regarding this matter and STILL not resolution. ACTUALLY it is now WORSE. Spoke to someone Friday, they told me to dispute, spoke to another person the same day told me NOT to dispute that it would correct over the weekend feed? NOW today someone else calls from XXXX with no obvious knowledge of ANY calls and tells me it is ok now.? Well it is NOT, it is NOW worse. AND STILL SHOWS A BALANCE? What is going on here. Now it shows REPOSSESSION??? which was NOT there before ONLY XXXX   is showing this. I called them again today and they said XXXX sent them the information? And still a XXXX balance on my report. this has NOW cost me on my new car loan {$60.00} more per month because of this error/ Multiply that by 72 months ... .MORE THAN THE ORIGINAL AMOUNT EVEN OWED. Tired of the runaround and the false promises. I have tried to call XXXX ... 7 times today ... and have gotten NO WHERE. i want this resolved NOW ... .do i need to get legal representation to resolve this?? I want a CALL TODAY by XXXX.
On XX/XX/XXXX my home was appraised at my request by a representative from the mortgage lender ( XXXX XXXX ) in order to remove the PMI on my current loan. 

My home appraised for {$520000.00}. Principal on the loan is just under {$400000.00} with no other liens or second mortgages. This puts my LTV at 77.87 %, according to the lender 's own documentation. This is under the 80 % LTV required by law for removal of PMI. 

Subsequently, I sent emails requesting the removal of PMI to XXXX XXXX on XX/XX/XXXX, again on XX/XX/XXXX and again today. XXXX XXXX acknowledged all my emails. I've spoken on 5 separate occasions to representatives of XXXX XXXX who stated PMI is removed at 80 % LTV, that all other conditions are met for removal of PMI on my loan and that they're not sure what's happening, they suggested I keep writing emails. 

On XX/XX/XXXX, XXXX XXXX sent me a letter stating that the PMI on my loan would not be removed, applying a 75 % LTV for removal of PMI instead of the 80 % allowed by law. This is in violation of the Homeowner 's Protection Act and the laws of the State of New York regarding this matter. 

All conditions for removal of PMI on my loan are satisfied and PMI should be removed forthwith.
XXXX XXXX XXXX XXXX has fraudulently added an additional account with XXXX, instead of correcting the account that was charged off and closed prior to filing Chapter XXXX in XXXX 2015. I want the XXXX account that was added with ill intent deleted. I want the 0ther account to show no balance. No payment or balance history past the filing date. The date of Major Delinquency is XXXX. All this needs to be corrected XXXX accounts in violation of FDPCA and FCRA deleted.
Transunion is combining my information with someone else 's, and as a result there are addresses listed on my credit report that I never lived at, and my name is incorrect and I 've called over the past month, disputed the inaccuracies and I was told that my creditors have to update my name but I have accounts on there with my updated name and address. But they still wo n't fix this error, each time I call it 's someone who does n't speak English and I 'm very irritated by this!
This company is calling 8-10 's a day using robocallers that do not leave a voicemail, however there is always a rising or tail tone message left. There is no identification of the business in any messages and there is always 5 calls that are done through number spoofing. When trying to contact this business back, unless they're calling from the number attached onto this form, there is instantaneous answering of the call and the company does not identify itself as a collection agency. The company does not comply when asking what type of business they are and they demand a yes or no verbatim in order to even learn about who they are. They have been calling and abusing my home phone number for over a year and with no end morning, noon, and night. I have not gotten a single piece of physical mail from this company and believe it to be a scam.
I have inquiries on my credit report from identity theft. I 've had them removed from the companies but they reappeared. I 'm attaching documentation to show them being DELETED. I EXPECT them to be DELETED here as well.
I have been contacting my mortgage loan company, LoanCare, since XXXX XXXX in order to get my house taxes adjusted to the correct amount. I have sent my loan company my correct tax information multiple times, called and emailed to follow-up on the resolution. It is XXXX XXXX and they have yet to resolve my issue. They do not respond to complaints sent via their website. I have now been emailing them but they are not getting back to me within the time frame they say they will resolve the matter. It has been far too long, and I need resolution so that I do not have to come out of pocket again when the tax bill arrives.
I have an address reporting to my XXXX, XXXX and Experian credit report that is not my address.
The student that I received was a pell grant based off low income and a XXXX XXXX totaling XXXX. The teacher that has taught me before at XXXX XXXX has done the same thing. She and her daughter have filed a high interest student loan and then cashed it. She has also spent a credit worth XXXX XXXX in a hour at XXXX on a XXXX  XXXX XXXX card. My other complaint is the classes I took? I am not advanced placement anything. I also took cad for basic tooling and I found cad for architecture in a software bin at my parents. 
I apologize for the squabble with my brother but I think you 'll find my case interesting if you pull my student I.d . And my recent drivers license. I know that the student id has XXXX eyes and hair. I have XXXX XXXX eyes and XXXX XXXX hair. I just think it 's probably my brothers revenge for his failed XXXX. At leads.
XXXX has been paid in full and XXXX who has the account has received the paper work that it is paid in full and was to remove it and it 's still on there need it look into checked and removed cause it 's been paid in full. XXXX has all the documents
XX/XX/XXXX I filed a claim with my auto insurance company for damages to my car. I got the work done on the car and paid for it with the insurance money back in XX/XX/XXXX. XX/XX/XXXX they returned the check saying it wasnt properly endorsed. A whole year and a half later without warning. The check was for {$3500.00} which overdrew my account and absorbed my pay roll check. Leaving me with no money. Ive called usaa over ten times and talked to countless reps. They have hung up on me everytime. No one can answer my questions there just leaving me to wait or hope that I just stop calling. Usaa managers have promised to call me back and refuse To call me or take my calls. Ive been with usaa 8 Years and in the service for 8. I  thought usaa was for the soldiers/members. With the check being over a year old they should have contacted me so that I could have set my finances up not take a lump sum garnish me. Also they froze my brokerage account and wont allow me to transfer funds out.
I was in deference on my loan because I was n't work at the time and they reported late payment for 6 months.. I emailed them and called they keep saying they had the late payment removed but they are still on there ... I even sent a email again on  XXXX   XXXX   2017 a nd nothing has been done
I notified Citibank of a dispute with Home Depot for {$210.00} from a total charge of {$380.00} purchased on XXXX/XXXX/XXXX. Citibank sent me a stupid form to complete which did not allow for my comments so I requested a fax number to send in all my details and correspondence which is attached sent on XX/XX/XXXX. Citi " claims '' they never received this although I have a fax delivery confirmation. I resent this via email with attachments on Sent : Saturday, XX/XX/XXXX XXXX XXXX and this is my email delivery confirmation but Citi again states on XX/XX/XXXX at XXXX EST ( copy attached ), they still have not received my documentation. This is ridiculous and a complete run-a-round. I request your review and intervention in this matter as I am not receiving any support from this company.
erc of florida has been trying to collect a debt that is not mine for over two years now, it has been put on my credit report three times, proven wrong, couple months pass, then put it back up, without once sending me mail about it or calling me, i have tried to get them to verify this account they can not, i told them this sounds illegal and downright wrong they sell it, buy it back fraud on there part
I did n't report XXXX XXXX XXXX XXXX, XXXX, CA XXXX as one of my Address
I can not afford the new payment for my loans, it was interest only and went up by {$200.00}. When I called in an attempt to make some different arrangements I was advised to not make the payment, causing it to go to collections and then they said they would be able to make different payment arrangements after that. I do n't understand why they would want me to risk my credit by doing such a thing. I explained that I could afford an increase of {$100.00} per month but not an increase if {$200.00}. They insisted that there was no other way to make a different arrangement without sending my account to collections.
I have asked in writing and repeated phone calls for Debt recovery solution to send me any and all signed documentation of any business that I have with them. I have not received any such documents to this day. I have NEVER done any business with debt recovery solutions, I do not know of any documentation with my signature of any business that I have with debt recovery solution. Debt recovery solution continues to report on my credit an open account with a balance of {$150.00}, with their disgusting business practices reporting this on my credit report is causing me emotional and financial distress.
I have asked Trojan Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX
This is an old medical bill that I had no idea existed from XX/XX/XXXX. This company never sent me any statements, correspondence, or contacted me until XX/XX/XXXX. I thought this was a fraud case and when I contacted the company they stated that it's from XX/XX/XXXX I immediately put in a dispute with all the credit bureau. The company said it could ruin my credit. 2 of the bureau removed it from my credit due to the age of this account. However, they still have it on my XXXX report and have the information wrong. I have contacted the company about it because the original date of this medical bill is XX/XX/XXXX they are not accurately showing the correct date and information. It's very misleading and I haven't been able to get this resolved. I hope to get help here and I am planning to seek further legal help with this matter.
Dear Sir/Madam, I seek your assistance in dealing with Citibank US to obtain the {$400.00} promotion that I 've qualified, for which Citibank keeps throwing me in circles. Sometime XX/XX/XXXX/XX/XX/XXXX, I had applied to open a Citigold account with the Promotion code XXXX which offered {$400.00}, if the terms and conditions were met. I received a letter dated XX/XX/XXXX, indicating that Citi 's record indicate that I 've qualified for the offer but that I needed to provide my XXXX, upon which Citi will credit my account for the incentive. 
I 've spoken to Citibank representative numerous times to no success. Every time, it 's the same story that they will inquire further and lodge a complaint on my behalf. During my call with a Citi rep on XX/XX/XXXX, the rep indicated that Citi had received my XXXX on XX/XX/XXXX but no word on my {$400.00} yet. The rep indicated that I should hear back within XXXX hours but off course no communication from Citi. I called Citi again on XX/XX/XXXX and the same story again ( further inquiry and complaint ). For one last time I called Citi on XX/XX/XXXX and expressed my frustration. I mentioned that if I do not hear back from Citi by the XX/XX/XXXX that I 'll be lodging a complaint with the Consumer Financial Protection Bureau ( " CFPB '' ). Since, I have n't heard back as of today ( XX/XX/XXXX ), I was hoping CFPB would kindly assist me in obtaining my {$400.00}. One thing to note is that all the Reps that I 've spoken with were very sympathetic to my situation and were very professional as well. Unfortunately, their hands were tied as well. 

Having been a Compliance Officer at financial firms for the last decade, I understand the rules and regulations thoroughly and one thing for sure is that if something is advertised and/or promised, one should live up to their end of the bargain. I 've lived up to my end and satisfied the required terms and conditions but now I 'm being pushed around in circles by Citibank. 

Please kindly assist. Thank you.
I notified Netnet in XX/XX/XXXX that I was entering into Chapter XXXX bankruptcy. My lawyer also included Nelnet in bankruptcy. Per Nelnet Legal Department and website account my student loans will deferred to XX/XX/XXXX. My bankruptcy was completed in XX/XX/XXXX. Nelnet took the deferment off my account after the bankruptcy ended. I did notknow the deferment was removed from my account and Nelnet near sent me a statement for payment. I ran a credit report and I noticed that Nelnet had reactivated my account. My credit report states I have 5 late payment accounts with Nelnet. I called Nelnet to see what was go on with my account and I was told my payments restarted when the bankruptcy ended. Since I paid my bankruptcy off before XX/XX/XXXX my account was reactivated before the estimated date of XX/XX/XXXX. I have since be consistent with my Nelnet payment plan. I wrote Nelnet a Goodwill letter asking for these late payments be removed from my credit report due to I would have not been late will payments if I was notified the accounts were reactivated.
Ive had health insurance at the time most of these medical bills were collected towards debt. 


AmeriCollect ( XXXX ) * XX/XX/XXXX> XXXX XXXX XXXX- {$650.00} * XX/XX/XXXX> XXXX XXXX XXXX- {$430.00}
Sallie Mae made 4 robocalls to both my home phone ( XXXX and my cell numbers in one day. I had previously asked that they did not call my cell number but I was fine with home calls. In a discussion with them tonight I felt harassed by four calls in one day especially since the person who took out the loan had made arrangements earlier in the day for payment. She had also contacted them before about payment and is in the process of having my name removed as a co-signer. The person I was talking to raised her voice and told me it was within guidelines to call that many times. I feel her talking angrily and unprofessionally to me was demeaning and unnecessary. I asked to talk to a supervisor. XXXX XXXX, the supervisor, again told me this was not harassment. I feel four calls after arrangements were made is four too many not to mention 2 of them were to a number I asked them not to call.
Repeated phone calls from Ditech stating we need to contact them about a debt we owe. No one in our home has ever used Ditech or Green Tree and none of us have outstanding debts. I suspect they are using our information to try and find someone we 're related to, or an ex. Probably bought this debt from the last XXXX we reported for the same scam-type behavior.
Portfolio Recovery Associates is reporting incorrect information on my credit reports. This is for an alleged account number : XXXX. I sent a certified letter with return receipt which they received on XX/XX/XXXX.  This letter was asking them to verify the accuracy of this account, and to provide me with anything bearing my signature, showing my obligation to pay them. By law they have 30 days to provide me with this information and if they can not provide evidence bearing my signature they must contact all credit reporting agencies and delete the item. They responded on XX/XX/XXXX with a random billing statement but no contract or anything bearing my signature. 30 days from the day they received my first letter, I pulled my credit report and noticed the item still being reported. They have already broken the law according to FCRA & FDCPA. I gave them a second chance and sent them a letter which they received on XX/XX/XXXX. In this letter I reminded them how they have already broken the law, but if they simply have the credit bureaus remove this item, I will not pursue legal action. They still have yet to provide me with proof bearing my signature. Im going to give them another 30 days and if they do not contact ALL credit bureaus and have this account deleted. I will pursue legal action. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) If they remove this item, I will not pursue legal action and i will remove this complaint.
Long story short, XXXX, bank was hacked. Did what I read to do. 2 1 $ transactions already went through. Card was Blocked XX/XX/XXXX I believe, was told I would get card 2-3 business days, Therefore I took out enough for them days. The 2-3 days  came and went, I needed money for myself and my 2 dogs ; There were no Capital One bank near me. So after that I called to say I didnt receive my card. So XXXX had to re order, i cryed torrent I have no-money and Im starving along with my dogs. ; bills were still able to be paid still ) XXXX said if I want card sooner it will be {$25.00}!!! I arqued but was out of my hands. The next day I checked my balance and there were 2 charges for Fed X expidite card charges : TWO. So every day Im calling, 2 mgrs said I should not have been charged at all, and {$50.00} should be refunded in 2-3 days. By this time I have talked to 5 people and 3 mgrs total. It is XX/XX/2018 still nothing. So now I have to pay my daughter back XXXX Im on Social Security XXXX, and I have been totally disregarded! 
Sent from XXXX