WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I received 1 call on personal cell phone at XXXX. I was driving and could not answer. 20 minutes later when I had the opportunity to listen to the voice mail, it was identified as USI, a debt collector and I was given a number to call back and a reference number. I did not have time to call then but returned to my office. I arrived at my office at XXXX and was given a note that the same number had called and left a message for me to call. At XXXX XXXX  I received a text from my son-in-law stating the same number had called him looking for me and left a message with him for me to call XXXX ext XXXX. This seems excessive and harassing as I am sure that other people were contacted and I have not heard from them yet. 
I called the number provided and extension and was sent to voice mail. I left a message that I contest the debt, wanted all calls stopped and to be contacted via US Mail. I additionally went to the web-site for USI and used the contact form to send them the same message and provided my mailing address there. 
The tactics of this kind of phone calling seems a violation of the FDCPA. If they can provide the information I requested and it is valid I will deal with it but it is harassing to call a bunch of numbers that are some-how linked to me to collect an unverified debt.
the bank wells fargo told me in a recorded conversation according to their policy an account can not be put in the negative to pay the bill pay feature. the bank changed their web site and an unauthorized bill pay for {$140.00} came out of an empty checking account to pay the wells Fargo credit card. 
then the bank charged me {$35.00} overdraft fee and stole a total of {$170.00} dollars from my checking and the funds were never applied to my credit card. 
this is fruad and i am a service connected XXXX and i can not afford to pay wells fargo to steal from my account. I have spent hours and weeks and months trying to fix wells Fargo 's NUMEROUS so called 'mistakes ' and would sue them for sever emotional suffering ut i do not have the money or an attorney and i am XXXX
I have been enrolled in the California 's hardest hit fund ( Keep Your Home California ) and Flagstar has been unresponsive to requests I have made detailing how these payments have been credited to my account
I do n't know how this company is even still in business with all of its complaints, XXXX rating, etc. They lie, degrade, yell, threaten, etc. Absolutely intolerable behavior. Other collection companies to not behave this way. XXXX is XXXX that lies and threatens and condescends and is always rudely sarcastic. This must STOP! Why is this allowed?
On XXXX XXXX, 2017, I received news that Equifax was hit with a major hack a month prior, in which personally identifiable information ( SSN, full name, address, driver 's license number, etc ) was stolen. After following a link to an Equifax-established website regarding this incident ( equifaxsecurity2017.com ), I was able to confirm that I was a victim of this data breach.
Equifax is offering a year of free alert monitoring and identity theft protection as the only appeasement for their negligent mishandling of personal information, and has stipulated in the website 's terms of service that enrollment in such appeasement waives all rights to sue Equifax or participate in a class-action lawsuit against the company.
Equifax mishandled my personal, financially-critical information and failed to notify me in a timely manner. As a result, me and nearly 150 millio
n other Americans are at a very high risk for identity theft. I have trusted the company with highly-sensitive information, and the company has betrayed that trust outright.
First contact was made on XXXX/XXXX/XXXX gentlemen informs me I have an outstanding balance on a loan. I inform the individual that I 'm not aware of a loan and would like to see a promissory note of some sort. The individual became rude, condescending and refused to provide evidence that I was ever responsible for the loan. So I informed the gentleman that I would not make any arrangements until proof could be provided. The gentleman then began making claims that they would proceed with legal action and verifying my employment. I then reinforced that no arrangement would be made and then asked that all communications cease. Since I have received calls on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX
UDAAP violation Chase branch and card services phone staff not trained on product benefits ; key exclusions from " XXXX points transfer to leading hotels '' not disclosed in table signage marketing for the new Chase Sapphire Reserve. It took 40 minutes and multiple phone calls to learn that XXXX XXXX is not eligible for XXXX transfer, after I had already signed up for a card for myself and my husband at {$450.00} cost each. A reasonable person would have assumed XXXX is a " leading hotel. ''
Citibank closed my Sears cre dit card because according to the company, " 15 months of inactivity gave us a reason to close the card ''.  <P/> False.  <P/> There was activity as recent  as 1  week ago.  <P/> Sears Credit Card was supposed to list transactions that occurred  in  XX/XX/XXXX / XX/XX/XXXX  as fr aud. Due to incompetence and gross negligence, Sears treated the charges as a dispute and my charges remained on my card and interest and late fees piled on for months. After months of wranglin g, I Sears changed the dispute to fraud. I was " credited '' part of my balance.   <P/> I mention part of my balance, because yes, Sears brought the account to  XXXX , but what they are forgetting is that I made payments throughout the time fraud was on my account, to keep my credit card payments current. They stated that they credited all fees and charges, but there should be a credit balance on my account the payments I made.  <P/> On top of all of this, I received correspondence from Sears that the credit agencies were informed and received up to date, POSITIVE INFORMATION, that my account was  XXXX , paid in full and CURRENT and CURRENTLY OPEN.  <P/> I HAVE BEEN DEALING WITH CITI CARD SERVICES SINCE  XX/XX/XXXX  ABOUT THIS FRAUD MATTER AND BECAUSE THEY ISSUED THE TRANSACTIONS INCORRECTLY AND NEVER CREDITED ME, THEY NEVER SENT ME ANY NEW CARD.  <P/> AGAIN, I HAVE NOT HAD POSSESSION OF A CREDIT CARD FROM SEARS BECAUSE FRAUD WAS ON THE CARD. THEY FOUND THE CASE IN MY FAVOR AND THEY WERE AT FAULT.  <P/> I HAVE DOCUMENTATION PROVING THAT THEY ADMIT FAULT AND A WRITTEN APOLOGY. I ALSO HAVE DOCUMENTATION FROM SEARS THAT THEY WILL BE SENDING ME A NEW CARD AND THAT MY ACCOUNT IS OPEN. NOW, ITS REVERSE, THE ACCOUNT IS CLOSED?
XX/XX/XXXX 2017 ECMC called my co-works and harasses my co-workers and manager. This is totally unprofessional and not acceptable. These actions must stop.
I turned in a Honda Civic I was leasing in XX/XX/XXXX. On that date, I received a new Honda Civic. On XXXX/XXXX/2015 I woke up and found my new Civic was gone. After calling everyone I needed to report the car stolen, I found out it had been repossessed. I called Honda Financial and asked why. They informed me it was due to nonpayment and I was XXXX days behind. I asked how since I made every payment. They did check into it when I stated all my payments have been made. They saw the money had been routed to my old account instead of my new one. I asked if there was anything I could do to get it out of repossession and clean this off of my credit report since I have never missed any payments and they could see that when they checked my accounts. They informed me I had to talk to the recovery department about this. I had many issues with the recovery department the first day I tried to talk with them. I called numerous times to be routed to someone else I could speak with to work out my problems with the person I was dealing with in recovery and with my account. However, every call was forwarded to the person I was having problems with and I was told by her, there was no supervisor available and no one else to take the calls or complaints. 
I admit, I forgot to change the account number on my online banking. I also did not open any mail due to the fact I knew how much my bill was and what date it was due and that I had made all the payments. I never received a check back from Honda until after it was repossessed. Had I received this, that would have sent a flag up to me to call and fix the problem. 
After trying to work something out with Honda, I was told there was absolutely nothing I could do and would have to pay all repossession fees, the lot fees and have it on my credit report.
One Main Financial reported me late in XXXX with XXXX AND XXXX. The account was paid in FULL and closed beginning of XXXX. I spoke to someone end of XXXX and advised them that payment will not be paid till Beginning of XXXX. I had set up a payment with a representative and she assured me I was not going to be reported late. That was not even a concern when we spoke. I should not have been reported late to begin with. This was a loan that was with Springleaf and One Main took over. They are reporting inaccurate information. I am unable to get employment because the potential employers check scores and my scores dropped 16 points because of this. Since the account is paid in full I don't see a problem with fixing and deleting this delinquency which is not even accurate. 

THEY NEED TO PROVIDE WITH MY PROOF AND DO AN AUDIT ON THIS ACCOUNT SINCE IT WAS OPEN TO CHECK IF IT WAS ACTUALLY LATE. ALSO SHOWS LATE FOR XX/XX/2016.
It 's happened so weird, so I only ask the bank online to increase my credit line for information but not request. And then the bank send me notice and did n't ask my authorization and directly this is a hard pull. I can not believe it. How could this be? I only put info online and then, NO PHONE CALL NO TEXT NO MAIL NOTICE OR EMAIL, there 's a hard pull. And he said he need my more info, it 's funny cause when I made phone call, I said I gave up to increase my credit line. This is totally not my fault. SHAME ON BANK OF AMERICA.
This complaint is for all XXXX credit bureaus. Back on XX/XX/2016, I submitted paperwork to all XXXX credit bureaus informing them that there were XXXX accounts on my credit reports that were reported incorrectly. There were XXXX accounts with XXXX XXXX XXXX that were showing as being actively disputed. I notified them in writing that I was not disputing the accounts and that I was requesting they remove the disputed status from the reports. I have yet to receive any investigation results. 

Because I did n't receive any results and it had been nearly 2 months after my requests were mailed off, I decided to call the bureaus individually and speak to them all about the accounts. I called XXXX and XXXX both on XX/XX/XXXX trough the numbers XXXX for XXXX and XXXX for XXXX. XXXX gave me another number to call at XXXX. Ultimately, both bureaus stated that the accounts that were in dispute status would have their dispute codes removed within 3 days. The calls took a very long time so I was tired and decided to wait to call Trans Union until I regained the mental fortitude to continue with Trans Union I then waited to call Trans Union on XX/XX/XXXX to have them also remove the dispute codes from the XXXX XXXX XXXX accounts. They gave me another number to call which was XXXX and gave me a file number which I ca n't list since you have asked that I not include it in this section. They ultimately told me the same thing at the end of the conversation. Those dispute codes would be removed within days. I wait until today to monitor my credit reports and behold, the dispute codes still are n't removed .... 

Now, almost 3 months after my initial request to get these disputed status remarks removed from my credit report, They still have n't been removed. At this point I am getting fed up with all XXXX bureaus. I am attempting to purchase a home and I have more than a sufficient credit score to qualify as well as income but I am being denied because these XXXX accounts are under a disputed status. It is my understanding that the credit bureaus only get 30 days from an initial investigation request to correct and update the credit profile as well as to send me written notice of the corrections. They have not done so and it has been almost 90. 

Besides the fact that they did n't acknowledge, adhere, or respond to my requests, they also have n't corrected the issue when I contacted them by phone ... .. At this point I feel like I am being held hostage. I ca n't buy a home because the credit bureaus wo n't remove the disputed status from my credit report even though I have asked them twice now to remove the dispute codes from my report since I am not disputing any accounts. Prices of homes keep going up and interest rates are increasing. The credit bureaus are literally costing me money!!! 

I need you to look into this matter for me as I have already done what I am supposed to do in this matter. I have contacted the credit bureaus in writing as well as by phone. If this does n't get resolved soon then I will be forced to contact a lawyer. I ca n't sit here and watch house after house go by because the bureaus wo n't do the job they are supposed to.
I had did a payday loan over a year ago and a company called summit recievables a collection agency keeps calling me threatening me to take me to jail because i wrote a faule check they will proccess if i dont pay them. I never wrote a check and was over drawn and account was closed. 

Summit Recievables Address : XXXX XXXX XXXX , XXXX, NV XXXX Phone : ( XXXX ) XXXX
I have sent 3 req asking for the validity of the debt was asked to sendin my copy of id, ss # and a letter with signature which I did provide XXXX XXXX,2018 and I have yet to get a reply although all req were received by the creditor as per USPS ( Certified mail )
I have been attempting to try and remedy negative marks on my credit score by paying off past due debt. Last week I contacted Online Info Services regarding a {$600.00} past due XXXX XXXX XXXX from when I was laid off and ended up selling my house. I initially tried to challenge the amount because I believe it was inaccurate but at this stage I just want it off my credit report. 

When I called today to try and may payment arrangements, the first representative was nice. She told me my only option was to pay the balance in full or make 3 installment payments of {$200.00} each every two weeks. I can not afford that so I explained to her I wanted to set up bi-weekly payments of {$50.00} a week to get the bill paid in full. I also told her I have student loans I am paying on top of my regular bills and medical expenses. She placed me on hold and sent me to a manager. 

The manager was rude, belittling, and insulting. She was not concerned that the debt was incurred during a time I was laid off for more than a year. She basically said my offer to pay what I could afford was unacceptable. If I didn't pay in full, or do the three installment payments she would not accept anything. Period. 

This is a bullying tactic that should not make consumers feel less than human when they are trying to pay off what is owed. I called on my own to make arrangement. I offered to have the payments made every two weeks until paid in full but she basically said what I could afford was unacceptable and her company rejected any attempts to accept a payment from me. 

I've reached out to XXXX XXXX of Ohio to also see if they can step in but I have no other recourse but to file a complaint against them for abusive collection tactics.
This was discharged in bk. They have left an open account without any creditor information or balance.
My personal information was fraudulently used as a co-signee by XXXX XXXX XXXX for a medical credit. It was approved for her with out proper verification. Only my name and social security number matched what XXXX XXXX XXXX, the company that issued the credit to XXXX XXXX has on record in the application. Every other information, date of birth, address, job, telephone, wage, and email did not match, yet the application was approved.
In XXXX my husband and I moved to another country to do volunteer work. Before leaving we paid off XXXX for our cell phone bill, had our devices unlocked for use in the other country, and closed our account. 

During our time away we had no problems and since returning to the States in  XXXX we chose to use a different cellular phone provider which cost less money. We had never received a notice or phone call claiming any debt owed with XXXX or anyone claiming to represent XXXX ( as a debt collector ) related to a debt. We also have had no adverse action on our credit report from XXXX or any other agency claiming a debt owed to XXXX. 

In XXXX XXXX we suddenly had a claim of debt from a company called EOS/CCA who represent XXXX in debt collection. They did not contact us via mail or phone to inform us of this supposed debt, but instead just started reporting and thus adversely affecting my husband 's credit scores. 

I contacted EOS/CCA directly about this fraudulent reporting on my husband 's credit report. They tried to fool me into believing we had the burden of providing proof the debt did not belong to us. Knowing my rights I flatly denied the made up charge from XXXX and demanded proof from them. I have also lodged a complaint with the BBB against EOS CCA and XXXX. I further lodged a complaint with the FCC against XXXX who has continued to remain silent on the matter. 

EOS/CCA claims to have documentation ( not provided to us ) that we owe XXXX money for a period between XXXX XXXX and XXXX XXXX ; though as previously stated we closed our account in XXXX. Furthermore there is no action taken from XXXX or any other creditor on their behalf related to those dates or any earlier dates on our credit reports. 

So far, as I 've said, XXXX has remained silent. But on the EOS/CCA website they prominently display an award they received from XXXX for their " excellent recoveries of secondary tier placements and for ease of doing business '' due to their " positive return in all four markets ( West, Midwest, Northeast, and South ) for percentage of placements to percentage of collections. '' I have contacted a specific lawyer about the matter who has made it their aim to bring EOS/CCA to justice and have in fact successfully brought many cases against this firm to a positive outcome. However, to me, it would seem this is something which should be brought to public awareness because it appears either XXXX and/or EOS/CCA is playing a numbers game ( percentage of placements to percentage of collections ) at the expense of  innocent consumers.
On XX/XX/2018 I mailed reinsertion letters to Experian, XXXX & XXXX because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to Experian, XXXX & XXXX
On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking XXXX, Experian and XXXX  credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.
A collection account that was removed has been reinserted with a date of XX/XX/XXXX without a notice being issued to me within 5 days of the reinsertion date. This credit bureau has violated the FCRA by not notifying me of the reinsertion of this previously removed collection within 5 days of the insertion date which is XX/XX/XXXX. The collection listed is XXXX XXXX {$2100.00}. Please remove this collection immediately, as this debt does not belong to me and you have violated the FCRA! 

There is also an address listed on my credit file that has NEVER belonged to me! Please remove it immediately. Listed as XXXX XXXX XXXX XXXX, XXXX, IL
Starting in XX/XX/2013, someone used my name and my address to create checks, and a fraudulent checking account. I filed a complaint with the FTC ( ref. XXXX ) and a police report ( RN. XXXX ). I recently found these checks on my credit report which does not belong to me.
Paypal credit is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s )
On XXXX XXXX, 2015, I received notice that I was being sued by Integras Capital Recovery, LLC ( Cause # : XXXX, filed in XXXX XXXX, Texas ). 

Prior to receiving notice of this lawsuit on XXXX XXXX, 2015, I had never heard of Integras Capital Recovery, LLC. Before XXXX XXXX, 2015, I had also never received a demand letter or any form of communication from Integras Capital Recovery, LLC. 

Also, there is a four-year statute of limitations on debt collection in Texas. The alleged debt is more than four years old. 

Finally, I 've just received a XXXX-page discovery request from the debt collector 's lawyer. I consider this to be a form of intimidation and harassment.