WillisBack/dataset-financial-user-claim huggingface dataset:
Today I received a letter from Citizens One stating that they were unable to process a scheduled payment for an XXXX loan and that within twenty days Citizens One will close the loan and have long term implications on my credit worthiness. I contacted Citizens One and the only information they could give me was that someone purchased an XXXX on XX/XX/17 using my information. This was over a year and a half ago and this was the first letter I received stating that someone used my identity and personal information to get a new phone. I spent over 45 minutes on the phone asking for information on where the phone was purchased, the type of phone and any other details to help me file a police report. Citizens One customer service ( fraud and billing ) could not provide me with any of that information and continued to treat me as if I opened the loan! This is completely ridiculous that Citizens One could do this and offer no assistance to me during a very troublesome time when I just learned that my information was used to open a loan. I should not be financially responsible for a loan that I certainly did not open and for a phone that I never received. My current cell phone is a phone my husband purchased over 3 years ago. I have an XXXX XXXXXXXX XXXX and under no circumstances was a loan opened. I do not want my credit affected by this fraudulent transaction and I ask that Citizens One fully investigate this matter and provide me with actual details.
This is what I 'm sending t o one o f the credit reporting agencies as well as the CT Attorney General 's office. This explains the whole situation in detail.     To : TransUnion-Dispute From :  XXXX   XXXX  Date :  XXXX   XXXX ,  XXXX  Re : Dispute #  XXXX  On  XXXX   XXXX ,  XXXX , I disputed a collection account from,  XXXX   XXXX   XXXX . Upon further research, I discovered I have never had any accounts with the original creditor,  XXXX   XXXX  Bank,  XXXX . On  XXXX   XXXX ,  XXXX , I received a phone call from a receptionist saying I must talk to someone named,  XXXX   XXXX  to discuss resolving an account from a payday loan in  XXXX . Something I have I NEVER applied for nor ever heard of.     From initial contact,  XXXX   XXXX  asked if my name is,  XXXX   XXXX . I informed him that was my former name and how I can help him. He then asked for me to confirm my social security number over the phone. Not knowing who this company is, I refused to provide my social and hung up the phone. Because of the fishiness of the call, I called  XXXX  back and I decided to video record & provide the legal disclaimer of recordings on ALL conversations using another cell phone. I was seeking further information about the legitimacy of the company before confirming any type of personal information. From that point on, Ive been hung up on, told to get a life and a job, I probably listen to rap music and thats why I cant afford my bills, and was constantly asked to confirm a social security number he is repeating repeatedly. Upon further research   XXXX   is working on behalf  of PORTFOLIO RECOVERY ASSOCIATES, the same company I disputed 4 DAYS prior to receiving  any type of communication from this company.     I repeatedly called  XXXX , several times after to get information about this so-called payday loan from  XXXX . On  XXXX   XXXX ,  XXXX  at  XXXX   XXXX , I received a phone call from the Connecticut State Police ( stationed in  XXXX , CT  ) i nforming me that  XXXX   XXXX  asked to stop calling his office. I explained the situation to the officer & agreed to not contact   XXXX   and the officer stated that   XXXX   must cease contact with me. LITER ALLY 17 mi nutes later,  XXXX  is once again robo-calling me from the SAME phone number to call another phone number to discuss the same account.     At that point, I filed a police report with the  XXXX   XXXX  Police Department, complaint #  XXXX  for harassment and unauthorized contact with me during the dispute I filed on  XXXX   XXXX ,  XXXX  through   XXXX   XXXX   to  XXXX . I have attached the copy of the police report, a copy of my phone log showing the phone number of   XXXX  , the time CT  State  Police called me, and another robo-call AFTER speaking with CT State police. I plan on pursuing legal action against this company for violating several FCRA laws, giving out my social security number without any type of identification validation & using racial bias & discrimination as a collection intimidation tactic.     Thank you,  XXXX   XXXX  Cc :   XXXX   a.k.a . Portfolio Recovery Associates B cc : Consumer Financial Protection Bureau  Bccc : CT Office of the  Attorney General
i was called by a person who passed herself off to be a medical person or close relative that my wife thought she was. than the woman wouldn't give her or me any information until i said who i was. she than said the information was being recorded. she stated that i owed XXXX and that it was in collections. i told her i don't owe that much and that the bankruptcy trustee paid them XXXX she refused to accept the amount i said i would try to pay and she refused to listen to me and said something like she didn't half too. she told me to have a blessed day and hung up.
XXXX XXXX is a small lending company that operates in my city. A few years ago, I received a loan from them, and it's been nothing but a nightmare since. 

For starters, the staff at the XXXX office has used abusive practices including demeaning me when I fall even a week behind on my monthly payment. I've been hounded and harassed by their regional managers ( I believe they're called this ) and even been threatened with action against my credit report - even when I was on time! 

I believe fees were unnecessarily put on my account, although I've been denied access to my account to prove such. The amount they purport I owe is almost as much as I borrowed - almost two years later. 

Yesterday, XX/XX/XXXX, I received an alert by XXXX XXXX that a " civil action '' entry was put on my credit report - and there are NO open cases in XXXX County, Indiana which was initiated by XXXX XXXX. This is an abuse of power to harm my credit. 

Today, XX/XX/2018, I received an alert from XXXX XXXX that a hard inquiry was made on my credit file. I have not applied for a XXXX XXXX product, and there is no permissible purpose for pulling my credit as a hard inquiry. This has done unnecessary damage to my credit report, and I will be seeking redress for this. 

I wanted this complaint on file with the XXXX XXXX XXXX XXXX. I will be seeking private counsel to take civil action against XXXX XXXX for the damages they have done to my credit report.
I have an agreed to payment plan with XXXX XXXX  XXXX that I have been paying on time every month. They wrongfully sent me to collections in XXXX XXXX. When I logged on to pay make my XXXX monthly payment, it said that I had a {$0.00} balance due and there was no way to make a payment ( attached in documents ). Shortly after I received letters from Financial Corporation Of America saying that I had been sent to collections and I needed to pay my balance in full. I contacted XXXX XXXX XXXX who assured me this was a mistake and said they fixed the account and it was taken out of collections and I was just to resume my normal monthly payments in XXXX. I requested a confirmation of this in writing from XXXX XXXX XXXX who refused to provide any documentation.
I sent a certified letter ( tracking and receipt in documents ) to Financial Corporation of America disputing the debt and providing documentation showing my account was active and payments were being remitted on time. In addition, I also contacted them to explain the situation. They told me XXXX XXXX XXXX had not informed them that my account was not past due and therefore should be removed from debt collections so they were going to continue to contact me to collect payment unless XXXX XXXX XXXX called them. They refused to call XXXX XXXX XXXX and confirm with them. I contacted XXXX XXXX XXXX AGAIN, asking for assistance. They assured me my account was not in collections and it showed that way in their system so according to the rep that was helping me " that 's all that matters and it does n't matter what the debt collection agency says ''. I refuted this and said I was concerned this would be reported to the credit bureau if not resolved in a timely manner and the rep said they would have their manager call over to the debt collection agency but it was probably just a lag in their system getting updated and I 'd have to wait a week. I AGAIN requested something in writing from XXXX XXXX  XXXX as confirmation that my account should be out of collections so I could forward that to the debt collection agency and they refused. The Financial Corporation of America debt collection agency has continued to contact me to collect payment and XXXX XXXX XXXX is still refusing to resolve this matter or provide any documentation that it has been resolved despite the fact that I 've made 2 payments to them and my account is up to date. I am at a loss and beyond frustrated at the amount of time I 've spent trying to fix XXXX XXXX XXXX 's mistake and their refusal to help while happily taking my money every month. Please help.
AS OF TO DATE THE COMPLAINT LISTED IN THE PAST COMPLAINTS HAVE NEVER RESPECTED RIGHTS OF MY FAMILY AS GOOD CONSUMERS. OUR HOUSE LISTED AT XXXX XXXX XXXX, XXXX, GEORGIA IS WITHOUT THE PROTECTION UNDER LAW AS IT RELATE TO THE 14TH AMENDMENT OF THE CONST. ; GEORGIA LAW OR XXXX U.S.CIVIL RIGHTS LAW : CHAP. XXXX, XXXX ... .THE FRAUD MUST END WITH HUD AND OTHER GOVERMENT AID AND ABETTING THE FRAUD OF XXXX. ( XXXX ) AND XXXX. COVER-UP.PLEASE READ THE ATTACH COMPLIANT FILED XXXX AND {$250000.00} IN DAMAGES.
Debt was paid by XXXX XXXX ( primary ) and XXXX ( XXXX ) when billed. Then payment was retracted because I went on XXXX during this period and advised the doctors office of the change, but they failed to make changes in their records that my primary insurance switched to XXXX and XXXX was XXXX. The doctors office submitted the claims after XXXX year of the dated service and the insurance companies refused payment. This was the doctors office fault, not mine. they sold the account to KLS collection agency. 
When I informed Kross, Liebrman and Stone that I refuse to pay a debt that was over three years old according to NC general statute about debts not collectable they viciously set out to ruin my credit and cause me great financial greef because they new I was right and this was there way getting even with me.
on saturday XXXX XXXX 2017 i deposited my tenants TD bank account check for {$7700.00} into my TD bank checking account. on sunday it said the funds were pending. on monday it said the funds were pending. on tuesday morning the funds cleared and were deposited into my account. i needed to write checks out so to be sure i called the banks customer service line and they said the funds were from a TD account to a TD account and they were in there go ahead and write your checks. i then proceeded to write out checks and send them out. that night i went into my account to transfer funds and noticed my account was in the negative. i called customer service and they apologized and said i should go to speak to the bank. i went the next morning and they were sorry but said they should have never said to write my checks.i said the funds were cleared to my account that i should n't be responsible, they should. I feel they should be going after the person who wrote the check since she is a TD bank customer and it was a TD bank account and they cleared the money. This is n't a small amount I can make good on. Why should I have to make good on the monies and go after her when they told me the funds were OK to write checks on and use and I have proof the funds were cleared in my account. even in the overdraft letter they sent me it states the funds are usually available the next business day unless an extended hold is placed and that the deposits show as pending until the funds are fully available for use. another customer service rep called me wednesday to apologize and say they will use my case in training. i told them they should be going after their client since they cleared the funds not me and it was n't right i should have to scramble to make good on the checks i wrote. they said they would credit my account for the trouble {$50.00}.
I 've tried numerous times to sell my house via a short-sale and the bank has n't responded. Next, the mortgage company that handled my mortgage was bought out by Seneca Mortgage Company. While working with a HUD Housing Agency, Seneca Mortgage Company was giving the HUD Housing Agency the run around. I believe my house has went into foreclosure. What are my options?
On XX/XX/XXXX a hard inquiry was reported on my credit report from Syncb/walmart and another was reported on XX/XX/XXXX from XXXX/XXXX. I have not applied for credit from either one of the companies. I contacted XXXX to inform them of the error and to ask them to remove the inquiry from my report. As of today, I have not received a reply/response from XXXX. Both of the inquiries were based out of XXXX, Florida. I do n't want to wait 2 years to have it dropped off of my credit report. 

I do n't have any additional information of these accounts to present to you, but I can just show you what is displayed on my credit report. 
XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Thank you for your assistance.
Became aware that a Chase credit card was opened under my identity on XX/XX/2017. Immediately contacted Chase thru Chase Card secure message service. Initial response from Chase confirmed a new account was opened but Rep refused to provide info, citing security reasons. Chase agreed to place a temporary hold on this account upon my insistence. On XX/XX/2017, I received a card in the mail for this account. I again contacted Chase Services and informed that under no circumstance should this card be activated. 
On XX/XX/XXXX, I received a letter from Chase, dated XX/XX/XXXX, informing me that a new application for a Amazon.com card was declined for being " a duplicate application. '' I have given Chase written notice thru their secure message center and have also called Chase Service to report this fraudulent activity and have consistently received conflicting info from their representatives. If I am not reporting this fraudulent activity in the proper way to assure that my identity is safe guarded or that fraudulent charges do not appear under my credit reports, please provide me with more specific instructions. I am also requesting copies of the applications that Chase used to open this fraudulent account.
Sent a letter to PRA about a fraudulent collections acct opened in my name & they refused to delete it from my credit report & harassed me with calls. I sent a certified letter to Portfolio Recovery Associates ( PRA ) on XXXX/XXXX/17 regarding a fraudulent credit card account that had been opened in my name and then sold to PRA as a collections account. I explained that I had my identity stolen on XXXX seperate occasions in the last 6 years and I 've even had to be issued a pin every year for my taxes as the criminals who stole my identity also tried to file fraudulent tax returns in my name. I offered to settle the debt at 50 % of the amount owed even though I acknowledged that it was not my doing to begin with. I offered this because I 'm trying to finally have this account as well as others related to the identity theft removed from my credit report. I also asked that PRA not contact me via phone at all regarding the matter. PRA sent me a letter with copies of the credit card statement alledging that I did indeed open the account with no response to my offer to settle the account by paying {$520.00} in exchange for it being deleted from my credit report. In addition, I started receiving harrasing phone calls from PRA starting on XXXX at XXXX XXXX and again on XXXX at XXXX XXXX, despite my explicit request to be contacted by mail, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ).
I purchased a car on XX/XX/2017, and on XX/XX/2017 I was in an accident and totaled my car I just purchased. My loan is with Wells Fargo Dealer Services. My Insurance company XXXX XXXX and I did not come to a settlement until over a month later. Wells Fargo 's representatives called me and asked me to take the offer XXXX XXXX was giving me which was not going to pay me full value for my car and not pay the rest of my loan off. I begrudgingly took the offer and Wells Fargo was paid {$6200.00} on a {$6800.00} loan. This left me a balance of {$570.00}. Now I recently reviewed my credit report and Wells Fargo is reporting I am 30 days late on payments. But how is that, when you got over {$6000.00} in payments. I tried calling them numerous of times and they keep switching me to different people in the collections department. I asked why they did not adjust my loan amount to fit the new balance. We agreed on a {$100.00} a month. But they collections department has been calling me telling me I owe the whole {$570.00} right now. And now they are reporting a negative rating on my credit report to the bureaus, when they are the ones who told me to take the insurance offer in the first place. It was not my fault the insurance company screwed up the appraisal for my car and the process took longer than expected. I am the one with out a car, without the money I put down for the car, the insurance money I paid and the tax, title, and the dealer cost to get this car I can not drive anymore. On top of that, they told me I would have to reapply to get another car loan. Is this any kind of way you treat your customers?
XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX Credit report and found an inquiry made under a fraudulent application submitted XX/XX/XXXX to CBNA for an account she never authorized. A formal dispute of this activity was mailed certified with return receipt to CBNA XX/XX/XXXX however as of this date CBNA has failed to reply to the status of the outcome or investigation. This is a violation of the FCRA.
XXXX : XXXX University, XXXX, NC. 
XXXX XXXX gave me a predictably uncollectible loans at the age of XXXX. I had no credit history to speak of, no collateral, and XXXX of debt was taken out in my name - without my consent over the years XX/XX/XXXX-XX/XX/XXXX. I no longer can pay. XXXX calls me multiple times a day and they just called the crisis line at my work which i happened to be on to receive their call. This constitutes calling a third party line as it was just by chance I was working the crisis line. My coworkers often are staffed on this line and if they continue to call they will be contacting my coworkers about me. They also did not obtain this crisis line number from me. It is also highly inappropriate to call a crisis line used for mental health emergencies to collect debt.
Five years ago I lost my job and started having trouble keeping up with the mortgage payments. I asked Nation Star, the lender, for any help or what steps I could take. They basically told me there was nothing they could do. A friend of mine suggested re-modification. After two years of going back and forth with Nation Star they finally approved it. It was only {$50.00} less than the original, which when you do not have a job that is no help at all. At this point my savings account was drained and I could no longer keep up on the payments. I ended up moving to XXXX to be with my mom and dad so I would not be homeless. I again tried to do the right thing and called Nation Star to ask again if there was anything else that could be done otherwise I was moving and had to let the house go. I even asked if I could do a deed in lui of foreclosure. They were once again, no help at all. Now it has been 3 years since I have not made a payment and the house is still not foreclosed which is making it impossible for me to move forward with my life and get into another home. I just want them to foreclose so I can start fresh.
West Coast Adjustors - Sentry Credit Inc in WA state has sent me a collection letter to a debt that I do not own. At the time of this collection that person named is XXXX years old. This collection was brought to me because of a cancelled appointment for an XXXX XXXX XXXX. But on the appointment date this person did not go. The person named did not receive any medical care and checkup and making an appointment does not cost any money. This person also comes from a low income background and has XXXX insurance. This letter was dated XXXX XXXX, 2017.
CREDIT CARD WAS PAID OFF. 
THEY SHOULD PROVIDE STATEMENT TO JUSTIFY THEIR CLAIM.
I recently disputed a late payment with equifax. Not only did Equifax not correct the late payment.The added a previously removed chapter XXXX without notice and which should not be there. 

Former case : Submitted to the CFPB on XXXX-XXXX-XXXX Product Credit reporting Issue Public record YOUR COMPLAINT Equifax has previously reported that I do not have a chapter XXXX currently reporting on my file. However, I have yet to receive a credit report showing this. Equifax also keeps stating that XXXX XXXX has verified this information to be true when this is a blatant lie. As you can see I have a letter from XXXX XXXX stating I have no public records with them. Credit file confirmation number with Equifax # XXXX. Please have Equifax to permanently delete this information from my fie.It is both illegal and unethical to keep this erroneous information on my report.
Almost daily I receive phone calls from a XXXX area code from a company called Diversified Consultants. They claim that I owe XXXX XXXX XXXX {$130.00} from more than a year ago. I have never received anything in the mail or email from XXXX XXXX XXXX concerning a debt. They want me to verify personal information without giving me any information of what the issue is or providing any official documentation.
I have sent  XXXX  a letter demanding they send me what proof they have showing some accounts on my credit report and how it was reported that I owe these accounts other than just a social security number, name and date of birth.  XXXX  has refused to send me any information on this. I have filed this under Sectio n 609 ( A ) ( 1 ) ( a ) as well as my rights under section 611 of the  FCRA. A letter was sent on  XXXX / XXXX /   2017. Ins tead of doing the investigation and sending me the required documents that I ask for they have claimed that I need to basically stop bothering them over this.
I applied for a line of credit loan with Bank of America on XXXX XXXX, 2015. Every time I contact hen for a status, I am told that my file is still unassigned. And I am told that it may take 6-10 business days for it to b assigned to a processor. Today I called and spoke to a supervisor, she tell 's me that it will be 15 days for my loan application to be assigned to a processor and that if everything is approved can expect to receive the loan in XXXX. They have all my paperwork and thy have run a credit check. If I had been informed that it would take 2 months, I would not have started this process with B of A, I would have shopped around for a more reasonable time to get the loan.
Perfomant Recovery  calls my work everyday after several coworkers and my boss told them they ca n't give out personal information or take personal calls at work. My supervisor has told them repeatedly not to call back. The number they 're calling from is  XXXX .