WillisBack/dataset-financial-user-claim huggingface dataset:
collectcion company calling me multiply times about my debt ..whitch i tryed to explain im un able to work due to disability..they wouldnt let me talk ..they kept trying to get me to sell something to pay my debt..called me a dead beat they dont understand i cant pay if dont have it ..had to sign up on XXXX XXXX ... i have nothing to sell im broke period..but keep telling me i need to pay my debt stop being a deadbeat..tryng to say what i owe an dont owe
XXXX XXXX XXXX is adding interest on top of a judgment that was paid through garnishments of my wife payroll for the amount of {$1600.00} that includes all charges and interests add during the judgment. However, XXXX is asking for the same amount for post judgements payment interest. For the amount of {$720.00}. 

Collection agency XXXX XXXX XXXX XXXX Wants more money on top of the garnishment that was given by the courts.
I've just seen my credit report for the first time, and I see all the inquiries that I do not recognize. I'll list all of them here.

1 ) XXXX XXXX XXXX : XX/XX/XXXX : Never applied for Credit.

2 ) XXXX XXXX XXXX  : XX/XX/XXXX : Never applied for Credit.

3 ) XXXX XXXX : XX/XX/XXXX : Does not use XXXX. We use XXXX.

4 ) XXXX XXXX XXXXXXXX & XXXX XXXX XXXX : XX/XX/XXXX - it has 2 hard pull inquiry on credit report. Please combine into one, as two of them incurred on the same date of XX/XX/XXXX. Bought only one car.

5 ) XXXX : XX/XX/XXXX : Do not recognize this entity.

6 ) Furthermore, I only have 4 XXXX  Credit Cards, and on the Credit Report, it lists 6.

Please delete 2 of 6 inquiry.

Lastly, thank you for your help.
As of XX/XX/XXXX, having the good faith belief that the small amount of information I received from the plaintiff '' ( Jefferson Capital Systems ) '' and plaintiff 's attorney ( XXXX XXXX XXXX ) ; might be accurate. I spoken with plaintiff and plaintiff attorney about reducing the debt amount from XXXX to what I agreed to the creditor '' ( XXXX ) '' in XX/XX/XXXX, for the amount of {$300.00} on a {$500.00} balance before class action lawsuit that was filed in XXXX, Ga for their predatory banking lending practices. I never received any notification so I assumed that my account was dissolved in the class action lawsuit, until I received correspondence from Jefferson Capital Systems stating they were suing me for a debt they claim to have rights to collect. When I reached out to plaintiff and plaintiff attorney upon receiving correspondence of a summon to resolve matter of debt in the amount of {$300.00}, neither was willing to work out anything based on the terms that was already presented to me by XXXX.
I am disputing a collection debt from XXXX ( Acct. # : XXXX ) that I discovered on my credit report without being notified from the creditor. I am now in the process of disputing this debt with the Credit Reporting Agencies and with XXXX. This collection agency has also illegally re-aged this account according to the original creditor 's date of first delinquency. The original creditor is Comenity Bank whose debt I 've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting XXXX to you so as to warn others about the illegal practices of debt collectors.
XXXX XXXX XXXX charges extremely high interest rates, and when you pay, they dont even update your payments on your credit report. The customer service is very rude and they do not care about what we as customers are going through. Everything is about the money, and they do not keep us updated about our accounts.
Have put XXXX on even after power and utilities commission told them to take off Then put att back on and refuse to take off even thou its thru another company that is not original debiter they have refused for 4 years to take of lates of XXXX/XXXX/XXXX / XXXX and XXXX late payments even thu i have sent them all documents proof many times over they show my student loan twice and that it is not paid off XXXX owed they show half of credit limits and have XXXX limits and XXXX balance they XXXX limit and up to XXXX balance that they need to send all companies over the last 4 years new credit reports with an apology to me and company for not complying to federal and state regulations. 
That they have had information and letters rom fed and state agencies sent to them many times over and they take off then put right back on when they no better and have cost me XXXX in time copies certified mail and countless complaints over and over for the same thing for years Consent to publish the description of what happened? Consent not provided Supporting documents
In XXXX XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XXXX XXXX. XXXX XXXX came and I still did not have a credit score. I then called the three Credit bureaus, TransUnion, XXXX, and XXXX to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XXXX XXXX, XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX XXXX XXXX. XXXX XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.
On XX/XX/XXXX, a transaction of XXXX was taken out of my bank account and also it made a charge back fee of {$12.00}. I wanted to know why I was not informed about this reverse on a check that I deposited. Was it a bounced check on XX/XX/XXXX? It was reimbursement check. This had nothing to do with selling not sold to merchant. It stated 'return item charge back ' in the line on XX/XX/XXXX in XX/XX/XXXX bank statement.
I called my credit card co. to pay off my debt in full on XX/XX/XXXXl. I did, and then I received a refund from an online company that owed me {$58.00} and it posted to my credit card on XX/XX/XXXX as well ( it shows on the statement ). On my next bill, which I got today XXXX/XXXX/15, that refund was absorbed into some make believe charges that the credit card XXXX said I owed in interest, and that I still owed them an addtional {$4.00} and some change. I said why was n't that interest included in my payment when I paid off the credit card in full? They said it was to accrue over the entire month when my bill was actually due. 
Now mind you, my billing date is the XXXX of every month and I paid in full on XX/XX/XXXX. So, I was charged an entire month for interest on a bill I paid on the first, but they said it did n't matter and calculated what would accrue over the entire month up until XX/XX/XXXX. That seems pretty unfair. How is it collecting interest if it was paid off on the XXXX of the month 3 days after my last bill was due and paid for before XX/XX/XXXX, which I paid on XX/XX/XXXX, and it was more than the minimum amount due. So, I was charged about {$65.00} in additional charges after I paid my account completely off. I want someone else to explain this to me, or I am going to think I was penalized for paying my account in full.
General Revenue Corporation sent a letter dated on XX/XX/XXXX about an alleged debt I do not owe. In the XXXX paragraph they state that it is their second attempt to notify me of the debt yet they have never contacted me before nor have I ever heard of General Revenue Corporation until today XXXX/XXXX/XXXX when I received their letter. Nowhere on the letter does it say I can dispute the debt. Also there are XXXX different addresses listed on the bill in XXXX different towns out of XXXX different states. The average consumer would have absolutely no idea what address to send a dispute to. 

The letter claims that I owe for a loan where I have never taken a loan for whom they are claiming to collect for in their letter. 

Absolutely none of my rights are stated in their letter to me and the language used is to demand payment giving me no option to dispute anything regarding their false claims with them.
I got a dental   XXXX   XXXX   XXXX   repaired by a   XXXX   repair    company.in  XXXX    XXXX  . I originally sent  XXXX    XXXX    to get repaired. The company contacted me back with quote to fix the  XXXX    XXXX  . Out of the  XXXX   XXXX  I authorized  XXXX    XXXX   with specific size to be repaired and mentioned not to repair the other as I have other plans. But When I received the repaired   XXXX   back I noticed the wrong  XXXX  repaired which I did not authorize. I contacted the company and first they said they did what I asked them to do. Then later they sent me another email saying the  XXXX  I requested to repair was not repairable and they repaired the other  XXXX  without my permission. I asked for a refund as I did not authorize the repair. They refused. At that point I contacted  US bank  some where  XXXX  or  XXXX    XXXX    (  I do n't remember the dates as it was all on phone and they have recording ) .They said they will send a questionnaire for me to fill and they are sending in mail. After waiting few months that I have not received any paper, they said because you did not respond they closed the case. I told them I never received any paper, plus I moved just in  XXXX  and some mail might got lost. They said to send the papers again, which I did revive and sent it. Again There was no reply, and month or so pass by. When I contact them they again said the same story they never received any thing and they closed the case. But they are willing to open it up again if I fax them the supporting documents from the branch. I went to the branch and faxed those papers. Do n't remember the dates but bank has all. Again no contact and when I contacted them they said ( spoke with supervisor  XXXX  ) that they never received the fax. I told them I did it from branch and branch know about it. After few days when I called again they said they made a mistake and the documents were received but not attached to the file. So I asked what next and they replied we will look into this. So after few days  XXXX  left me a message to call back which I did. she did not reply. Person on customer service said that basically bank left a note that now its too late they will not handle that. I told them how is it my fault. First I was trying to resolve the issue with merchant, then with the bank, how is it my fault. On  XXXX   XXXX  they sent me a letter saying time was up, then they sent me another letter on  XXXX   XXXX  that the documents lacks sufficient information and close the case I tried Calling  XXXX  from card member service on  XXXX   XXXX , and  XXXX   XXXX  but she never answered.
I have a secured credit card with PNC. PNC is doing what i have learned is called trailing interest. For two months i did not see any statements on paper or email from PNC, during that two month time frame after i payed my balances due on my account PNC added a XXXX interest charge to my card. I did not see this because i did not receive statements. I did check my mobile PNC app and it always showed a balance due of XXXX dollars by my due date. so i did not call and make any payment toward my account. i was not using my card at this time because i had a good credit score and was in the works of buying my first home. in this time over the two month span PNC had charged me a late fee for the interest they did not tell me about. and that was sent to the credit department ultimately dropping my score well enough to stop the closing on my new home just 6 days before the date of closing. When i learned what was happening i contacted PNC multiple times and spent hours pleading and arguing with many different supervisors for help. My mortgage lender ( XXXX XXXX XXXX ) said that at the very least PNC could write a letter stating that it was a mistake on their end and that it shouldn't have reflected on my score. PNC could even remove the late fee from my history so that my next statement would fix my score as well. So far i have spent my time talking with many PNC employees only for them to say sorry there is nothing we can do. they even tried blaming it on me saying that they monitor my app 24 7 and that they don't show any signs of it having issues. they did however ( days after charging me a late fee ) returned it back to my card and their answer over the  phone was that they made a mistake and that's why it was refunded. Because of this happening it now seems that my current lease will be up. And that i will not be able to get my loan for the new home. PNC has made it clear that they don't plan to change anything and has tried to push it off onto the credit companies. These things happened XXXX and XX/XX/2018. and now we are into XX/XX/2018
I advised this company to stop calling me on the dialer on several occasions. This company has not respected my wishes and continues to call me on the automatic dialer. On  XXXX   XXXX  I received yet another call.
On XX/XX/2018 I authorized a wire transfer in the amount of {$1400.00} from my bank, XXXX XXXX, to the merchant bank for CoinBase, XXXX XXXX XXXX. I've confirmed the money was received at XXXX XXXX  on the same day and I've been providing CoinBase with the confirmation IMAD number for that wire since last week. They have yet to credit my account for the wire. I get XXXX response from their customer support except to be told that my complaint has been passed on to a specialist and elevated to critical status. That was last week and I have yet to hear from any specialist. At this point I'm considering the money stolen by CoinBase, and I have initiated a claim with my bank. But they have said since I authorized the wire, they will have a hard time resolving the issue to my satisfaction. That is why I'm writing to you. I've also reached out to a law firm that is coordinating a class action against CoinBase so that I can be included. 

I am not the only one complaining about this. A quick XXXX search or scan of the website XXXX will unveil a plethora of similar stories, many involving much larger sums of money. 

Please do the right thing and hold CoinBase accountable for this negligent behavior.
I reached out to XXXX XXXX XXXX because my auto loan is 4 months behind and I have retained an attorney and am in the process of filing chapter XXXX bankruptcy. I told them I was voluntarily surrendering the vehicle back to the company and they transferred me to the correct department. I verified my identity and gave the representative my attorneys information and answered all questions in regards to the vehicles location and mentioned it is ready for pickup ASAP. Prior to this call I received numerous calls and emails from a XXXX XXXX with their XXXX XXXX XXXX. Now, two weeks after providing information and requesting the voluntary surrender of the vehicle, I have began to receive harassing messages and calls from XXXX XXXX again.
I attempted to use my American Express card to purchase tickets to a show at a website which I had not used before named XXXX. I was unfamiliar with the website and attempting to put together a trip. I did not realize that what I was purchasing was so expensive and that it included trip insurance, and a few other add-ons. This occurred on XX/XX/XXXX. Suddenly, I realized that the total purchase price was {$940.00}. At about the same time, my potential transportation fell through and I decided to cancel the trip for good. When I received no response from the email XXXXXXXXXXXX, I attempted to contact the trip insurance ( which I had not realized that I was purchasing ) email address about cancelling the trip -- - All on this same date of XX/XX/XXXX I phoned American Express and indicated my predicament and mentioned that I wanted to cancel immediately. At first, American Express told me I could do nothing until the purchase was actually charged, then when it was charged, I was advised to file complaints, which XXXX  refused to resolve. I never received an answer from the vendor, or so-called 'trip insurance '. I attempted to cancel with every party within an hour or two after the purchase. Have never had bad experience with other credit card companies, and clearly the XXXX folks were not willing to negotiate this with me. I have sent them appeals through out the year ; In the year XXXX, the purchases on my XXXX card totalled about {$20000.00}. I have enjoyed 40 years of paying the XXXX bill promptly and there has never been this kind of dispute previously with XXXX representatives refusing to ameliorate. -- It really appears that XXXX was deceitful and tried to trick me to be responsible for a charge for which I did not benefit.
With my the bank SunTrust I have a commercial loan that I called to try to set a bi weekly payment instead of monthly They sent me to five different departments through the phone Final I was sent to a woman named XXXX from Suntrust CDA Recovery number XXXX And she pretty much started asking me questions after questions would keep me on hold on amd off for twenty minutes By the end she didnt find my information Short of the story I asked for a supervisor Kept me holding for several minutes again Nothing was accomplished I be paid my loans in time All I wanted to do was to set up a bi weekly payment and they put me on a hamster wheel In all truth it was a disaster I am filing a complaint with her ( she didnt gage me her last name ) And filing a complaint with Sunteust that hire incompetent people to help their costumers Short of the story I havent been able to change anything or even having someone explain to me the terms of my commercial loans This cant happen was a disaster Thank you XXXX XXXX
I received notification from Lowes that my credit account was closed even though it was in good standing, never missed a payment and actually had a payment scheduled for 3 days after they closed it. I will still continue to make the payments because the balance will be paid off after the payment that's scheduled for Friday and I have already scheduled the one for XX/XX/XXXX. I am concerned because my credit score dropped because if it and they had no good reason and gave no warning. All they said is that I could reapply
THE ONE TIME ANNUAL CREDIT REPORT WEB-SITE IS NOT WORKING. IT WILL NOT ALLOW YOU TO FINISH TYPING IN YOUR INFORMATION, BEFORE IT FLIPS YOU AWAY. WHY WE CAN NOT GET OUR ANNUAL CREDIT REPORT ONLINE, ESPECIALLY WITH EQUIFAX, WHO DOES NOT REMOVE NEGATIVE INFORMATION AND ADDRESSES, THAT I KNOW NOTHING ABOUT.
I previously submitted a dispute for identity theft several times, experian fails to provide method of validation per FCRA Section 611. Furthermore, they have blocked me from being able to dispute the items again/dispute items and viewing my credit report and or checking the status of my credit report. 

I am disputing the following items as a result of identity theft and have attached my police report : - XXXX - XXXX XXXX - XXXX XXXX - XXXX I have also attempted to update the # on my fraud alert and have had no success.
I had a Nordstrom credit card which charged off in XX/XX/XXXX with a balance of {$920.00} when I was having financial difficulties. I recently tried to call and settle the balance, but they refused and said the debt had been cancelled/written off. I then received a XXXX and had to include the {$920.00} as income on my XX/XX/XXXX tax return. However, the account is still showing on my credit report with a {$920.00} balance and reporting each month that it is delinquent. I called Nordstrom to try to resolve this balance, and they would not accept any payments, nor will they update the balance to {$0.00}, which means I essentially can do nothing to satisfy this account. The account is reporting delinquent EACH month on my credit report. Therefore, my credit score will be negatively affected until the account expires, which is wrong and unfair.
I have been trying to have my final disbursement process from the Freedom Mortgage. 
I have had so many issues with this company. I have sold my home and still waiting for them to process my disbursement way before the home was sold. I have a voicemail saying it would be mailed out I have an email saying they will look into it. I spoke to someone that it was processed. I was told it would be overnight.
I contacted the credit agency after viewing on my credit report that a bill had been sent to collections that I was not aware of years prior. I researched the company and called them. I paid the debt immediately and asked for a letter stating I had paid the collections and was requesting it be deleted from my credit report. They had not done so. Recently I called and spoke to a supervisor who advised me that I would not get a letter of deletion now even though I had requested one. He stated there was no way he would send a letter of deletion because my account was not paid in full, however, I had asked for the debt to be paid and when on the phone with the collector, it was communicated that I needed the debt off of my credit report and I therefore paid the amount they requested I pay. He still refused to send the letter.
On XXXX XXXX, 2016, XXXX notified Bank of America, my credit card issuer, that my account was compromised. It took 6 days until XXXX XXXX, 2016, for Bank of America to notify me. I asked where and when the compromise took place. Bank of America refused to provide me with that information. I asked why it took 6 days for Bank of America to notify me of the compromise. Bank of America refused to provide me with that information.
I pay my XXXX XXXX  credit card balance down to {$0.00} as frequently as possible. 
On XX/XX/18, I attempted to use the credit card at a local restaurant and it was declined. I called XXXX XXXX, and they explained that because I was making payments " too frequently '' a hold had been placed on my entire credit limit until all of the pending payments had cleared from my checking account bank. The current balance ( and corresponding pending payment ) was less than {$100.00} at the time, and there should have been over {$15000.00} in available credit. 
I called back on XX/XX/18, and the supervisor indicated that there was no evidence on my account of a hold, and could not reference a policy that would authorize a complete freeze on my line of credit pending the payments being posted when I asked for a copy of that policy.
I am in foreclosure. I was offered a trial modification plan with the first payment due XXXX XXXX, 2016. I had a XXXX and was in the hospital so I was not able to make the first payment on time. I called OCWEN loan servicing and was told that I could submit the payment on XXXX XXXX. On XXXX XXXX, 2016, I submitted both the XXXX XXXX, 2016 and XXXX XXXX, 2016 payment for the trial plan with the signed trial plan. I was then told by OCWEN that this will not work and they still plan on selling my home on XXXX XXXX, 2016.
Got approved for a XXXX loan in XXXX of 2017. My payback was XXXX monthly starting in XXXX. My pay off amount is about XXXX - XXXX. I asked to pay of the loan because nothing is being applied to the principal it all going to the interest. They keep telling me I cant I have to pay the full amount. There was nothing stating the interest rate. I dont have a problem with paying back the XXXX beings though I have already made 6 payments in the amount of XXXX but they will not go for it. This place is a rip off and I have already ask them to stop taking payments out my account.