WillisBack/dataset-financial-user-claim huggingface dataset:
A representative called me and I missed the call. When I called back a rep named XXXX answered and asked to confirm my name. I confirmed my name after asking which company he represented. Due to his accent which fluctuated during the call ; I thought he said he was from " XXXX ''. He then said he was calling about a " paper '', and asked me to confirm my social security number. I do n't believe he identified himself as with a debt collector. I stated that I had no business with his company, and do not feel comfortable sharing my private information with him. He clarified the name of his company as Halsted Financial Services. He stated that he already had my private information on file. I reiterated that I have no account with his company, and am uncomfortable with him having my private information. Realizing by his tone that he was a debt collector ( I had not heard of the company before ) I asked that he communicate by writing instead so that I could confirm his claim that I had business with his company. In the middle of making my request he called me " uncooperative '', stated that they would take action against me, and hung up on me. 

I know that it is my right to be able to confirm who he says he represents, and to have their contact information so that I can verify any debt information, and communicate in writing. 

1 ) Halsted did not honor my right to communicate in writing. 
2 ) Halsted did not respect my right to not have them call. 
3 ) Halsted did not provide me with a mailing address to continue communicating regarding their presumed business. 

Halsted is in violation of the Fair Debt Collection Practices Act. 

Thank you
Experian has allowed Collection agencies that to re-post accounts that have been resold more than once.
I noticed a debt collection by a company called Stellar Recovery for a " XXXXCellular '' account which was unpaid. I have never had an account with XXXX and I believe this was fraudulently applied to my credit report. This is negatively affecting my credit report and score. I contact XXXX  and this was removed without issue. However, when I disputed the same item on XXXX the request to remove this from my report was not honored. I am aware that there was a major security breach at XXXX and based on their website, it appears that my account XXXX have been compromised ; I am confident that this is the case. Since they have not removed this fraudulent item from my report, I am reporting XXXX as well as Stellar Recovery for fraudulently applying this debt collection under my name and on my credit report. This is a complete violation of my privacy and rights.
all i did is just deposit a insurance claim check to my checking account, on XX/XX/2018 i deposit the two checks from our insurance company thru ATM. 
two days later we got those check mailed back, the reason of returned is the endorsement are not acceptable for deposit. So I called Chase customer help line, they told me because i deposit thru ATM it is not clear to verify the endorsement so go to bank teller and deposit again. so i tell my wife to do that, and she called me our XXXX XXXX teller will not accept the checks because the checks were issued to business name on it ( the check payable to XXXX XXXX & XXXX   company name & my name & my wife name on it ), so i called the chase customer claim dept and told them what is going on and they told me it is okay to deposit if there was correct endorsement on it which is it is. and they told me to try other location. so my wife went to other location chase bank branch and they accepted the deposit. on the way home, my wife stop by the XXXX branch and complained the teller who did not accept the deposit. and few minutes later the bank teller who accepted the deposit called my wife, and told her the deposit will be returned.so i called the branch manager at XXXX XXXX tried solve the problem, but it was not works, so i got in to online banking site and tried transfer money from my saving account to checking account for covered money i already issued the check to my XXXX and it was not able to do that.i called the chase bank customer help line again and found out my account is restricted by the XXXX branch. 
so i called XXXX  branch and asked the branch manager what is going on and she told me my account was restricted by her branch but not by her because i tried deposit the check to other location after she told to my wife it was not able to accepted.. 
I was so mad because i explained the whole story what was going on and my account was restricted, so told her " are you XXXX kidding with me? '' and she yelled to me " you know what i will closed your account '' after we got argument and i realize it i have tax return money on the way and lot of bill already made payments by this account. this was our only banking account. so i apologized to the branch manager and she accepted it. and she will help out to pay my bill while my account is restricted. 
so i went to bank branch and closing my saving account and transfer money to my checking and also closed my kids saving & checking account. because after i found out my account was restricted the chase bank head office can not do anything about what it happened and not be able to help me out. and today i checked my online banking there is no record of direct deposit from my work, so i called the customer service dept. of chase bank and finally i found out my checking account will be closed requested by branch manager. even without any notice to me.
I owned a property that was foreclosed and I never contested. I do n't even recall being served but I received a letter from the court that a judgment was entered for the XXXX trust on the house, which was owned by Wells Fargo. Wells Faro 's attorney garnished my wages and I was making payments for about two years. Sometime around XXXX 2013 I get a letter from the attorney stating that my garnished wage order was dismissed. I spent literally 6 months trying to get an answer why, and never got a response. I have emails from the attorney and Wells Fargo, but no response as to why. I suspected that there was some time of violation, but did n't know who to talk to or what was possibly improper. I learned about the SCRA while taking my XXXX and suspected that the violation was charging me 10 % interest for over a year while I was on XXXX. When I attempted to contact the lawyer they wrote " We no longer have this file. Please call XXXX XXXX at ( XXXX ) XXXX at Wells Fargo Bank. She will be able to answer your questions. '' XXXX XXXX passed me on to another employee who told me that she knew why, but that legal would have to tell me. I called several times requesting information and never got a response. I figured something was very wrong, because of the sudden, " you do n't owe us anything. We ca n't talk response. '' I would like to know why I stopped paying and if my rights were violated, what is my recourse.
I have repeatedly asked Experian, by both online dispute and phone dispute, to disclose my current address as my current address on my Experian credit report. ( And, to delete all old previous addresses. ) Experian will not state my current address XXXX XXXX XXXX XXXX, XXXX, MA XXXX as my current address on its credit report. Instead, they list this address at the bottom of a very long list of previous addresses, with a former address at the top of this list, where they continue to send me mail, and which my former roommate continues to write on the envelopes " RETURN TO SENDER/NO SUCH PERSON AT THIS ADDRESS. '' Despite my former roommate doing this, and despite my complaints to Experian by phone and online, Experian continues to fail to use my current address as my current address ( and refuses to delete all other former addresses on their very long list ). Experian keeps my current address at the bottom of their long list of former addresses for me on my Experian Credit Report. This situation causes problems for me whenever an agency or entity relies upon Experian to verify my current address, as such recently happened with my XXXX XXXX renewal form. Because XXXX relies on Experian, and because Experian keeps using a wrong address for me, I was not able to renew my XXXX online, as XXXX XXXX 's summary of my renewal said I now have to submit to them " Proof of Residence. '' If Experian would have included my current address as my current address, instead of deliberately keeping my current address at the bottom of a long list of former addresses they refuse to delete, then I would not now have to go and manually submit proof of residence to XXXX XXXX, but now I have this xtra burden because XXXX XXXX relies on Experian and Experian wo n't use my current address as my current address. Attached is the dispute results I already received from Experian falsely claiming they deleted all the former addresses when they actually did not, as well as the current Experian Credit Report for me dated today ( showing a total of XXXX former addresses, with my current address at the bottom of this list ), and a copy of the result of my attempt to renew my XXXX XXXX online, showing they now want " Proof of Residence '' because the Experian address for me did not match my XXXX XXXX residential address I truthfully included on my XXXX XXXX renewal. Note I have resided at my current MA address for more than three years. I can not get Experian to correct this situation.
I had an auto loan through an auto finance company back in XXXX. In XXXX without my knowledge they sold my car loan to a debt collection agency. They also sent a company to try and repossess my vehicle, and they did and I was not even behind in payments. I had to pay {$60.00} to go get my vehicle back for the mistake they made. All of this with no paperwork and no proof that I owed this debt collecting company anything. I have been paying this company for four years now and called in XX/XX/XXXX to find out how much I owed and they said I still had to pay until end of XXXX. I in turn sent a letter notarized to them which they received on XX/XX/XXXX and they had 30 days to respond with any billing statements. I wanted an audit of my account. I have heard nothing from the debt collection agency since then. They keep transferring me to different departments and do not give me an answer. I have my paperwork from the original finance company and I was supposed to be done with my payments early this year. I would like to get the title to my vehicle as soon as I can. I am afraid this company will try and take more money from me. Please help me with this situation.
i closed my new BOFA credit card because i didnt know and didnt want to pay for the annual fee ... i tried to contact BOFA to closed my credit card, and they granted me ... SO, my credit card was finally closed on XX/XX/2018 ... however, the next couple months, it seems the card was not closed completely, and i got charged for the annual fee and the late fee and the interest. It keeps summing up until now, and i think its very not fair for me ... i would like to request help to resolve the problem, because i tried to talk to the BOFA customer sevice 4 times, and they wont help ...
I would like to file a complaint about a representative I spoke with while trying to get help during a financial hardship. I was nervous to call because I am behind on payments. I explained my situation. I told the rep " I went through a messy divorce this past year and I 'm trying to get back on top of my bills. '' The representative seemed sympathetic at first but then said, I do n't know if I should congratulate you. What type of response is that? This made me extremely emotional and I could barely speak to get through the rest of the call. No, I do n't want a congratulations. I am left broke with a XXXX-year-old little girl. I am willing to pay towards my balance, however, the representative had XXXX personality and did very little to offer any help. I ended the call in complete tears.
I contacted the FTC in regards to a credit reporting which I disputed, FTC was able to get it removed from my credit report, my credit report confirmed the removal, and now it 's back. Under HP sears for XXXX in the amount of XXXX, I want it removed again, I 'm disputing this claim as well.and is this legal for them to do this.
I have student loans with XXXX private student loans ( XXXX XXXX XXXX XXXX ) is LOAN SCIENCE , LLC. I have currently XXXX dollars of student debt. Every month, I pay about {$200.00}. I have just called them and ask them if they take under the consideration that I have another student loans to pay and if they could lower my payments. My interest rate is 6.640 % Variable. ( it seem much higher ) What happened if I get sick or lose my job. They said there is not their problem, and I have to pay 200 monthly for other 18 years. I am 48 years woman live in poverty and do n't have any retirement plan because of my student loans. I also have government student loans, and they are so flexible and take life circumstances under the consideration. This is so cruel that I ca n't refinance my student loans and ca n't do anything about it. Coming from another country and going to college is my biggest mistake ever in this country. I wish I would turn the time and never go to college here. XXXX is horrible company!! Is there anything I can do about it!! Can I refinance? I think that interest is much higher than 6.60 %. Can I hire the service to investigate my account? I think something is not right!
company is trying to scam me out of {$350.00}. I'm in the process of purchasing a home and company refuses to remove unknown collection debt. I offered to pay to delete even though the debt isnt mine but company refused. It's hurting my credit score and causing hardship.
XXXX XXXX XXXX is now reporting a collection account on my report without given a notice to dispute account. Also Im being called by their collection department every day they are harassing me.
This debt is from XXXX XXXX, 2014 -- 3 years and 1 month old. This is a Medical Debt that 1. ) I did n't know existed 2. ) I understand that medical debts are not to appear on a consumers credit report.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, credit cards, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service. It is the onus of the victim to search out this information and service, and the service itself looks like an unreliable third-party website asking for 2/3 of one 's social security number plus last name and most importantly, a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
I contacted both the collection agency and XXXX XXXX where the bills were incurred. So, I contacted XXXX XXXX XXXX @ XXXX and XXXX XXXX @ XXXX and uploaded the proof I have from NC State Medicaid stating that I indeed had Medicaid at the  times. So, they stated that I didn't show my Medicaid card at the time of the procedures, which two were done at XXXX XXXX Hospital and the one that was deleted was done at their facility, which is not true, because all the years that I've had Medicaid, I have never forgotten to give my card to the health provider and Medicaid can attest to this, because we have never encountered this problem before. Medicaid stated they were not going to retract and pay because the provider didn't submit the bills in a timely manner and it wasn't my fault that they didn't do so. So, I contacted the credit bureaus and gave all the information to all of them and disputed the the charges. They deleted one of the bills, but not the other two. So, I called XXXX when I received the results and asked why only one was deleted and they stated that they didn't know why and for me to call the collection agency and that I should contact Consumer Financial Protection Bureau, if I couldn't get it resolved after talking to the collection agency. So, I called and to their surprise they had no idea that one had been removed and that I needed to pay the bills, so that's when I called CFPB.
i have been banned for making returns by XXXX retail store due to the retail activity report provided by the retail equation as of XX/XX/XXXX. XXXX corporate office representative ( XXXX ) states that they are unable to assist me, please contact XXXX ( XXXX ). i ordered the RAR ( retail activity report ) and received it via email. I initiated a dispute via postal mail as web/email was not an option, however, i ca n't obtain any confirmation that the letter of dispute has been received nor has an investigation has been started. the use of the report is not disclosed to consumer via website, sales receipt, nor XXXX credit statement. It is only after the restriction is in place that the use of the company is disclosed. As of XX/XX/XXXX is have not been successful in have the inaccurate information removed. I was told by the XXXX agent via phone that after XX/XX/XXXX i will be to make returns at any XXXX store. If i accept this action, I will need to store XXXX unworn, resale-condition merchandise and allow my XXXX credit account to be delinquent.
Hello, When I was in college I took out both Federal and Student loans as students often do. Both loans were originally supposed to be for 10 years. As I drew closer to the 10 year mark ( after deferring for 2 years, graduated in 2004 ), I noticed that the Federal Loan wasn't on pace to end with the private loan. I requested proof in writing that I had agreed to extend or consolidate my loan and was provide with a document with numbers as my signature. I never once was approached about extending my loan nor would I have. Of my two loans, the Federal was the cheaper of the two. They extended the loan another 5 years. It's another 5 years of paying more interest which I didn't want to however was not in the financial position to pay outright. This is 100 % unfair and I really didn't know who to turn to and complain. I saw that some teachers union out in California is suing and it brought everything back up again mentally. Have you had any other complaints about the same? 
I look forward to hearing from you.
Transunion XXXX  I tried calling 5 times a day. I wrote handwritten dispute 609 letters. Still no removal. This is becoming a hardship on me. 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
I had submitted my loan modification package to chase back in XXXX 2017. Until today I do n't have an answer of denial or approval. We had submitted all documentation required for the loan modification. and I just never get a chance to speak with someone. Always answering machines and rudeness customer service rep. Chase had changed our relationship manager over ten times so we ca n't never had a clear communication with anyone. Everytime a new relationship manager changes the story changes and we starting all over again. We are exhausted with the discrimination of background that we are receiving. I 'm XXXX and I feel discriminated and thus why Chase does what it does. 
My account with chase is clean, never defaulted and long time customer but chase seems that it 's ok for them to discriminate based on my background. I 'm reaching up to the authorities to investigate this discrimination issue and I will be contacting an attorney based on this issue. 
We are seeking a principal reduction so we can pay off the loan. I do n't have a job, I 'm sick with XXXX XXXX and I ca n't just take more headache from a company that does n't care about their loyal customers. So please help.
Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back i n  XX/XX/XXXX ,  with the University    XXXX   XXXX  . These student loans were opened up unbeknownst to me which I was   XXXX   ( date of   XXXX : XX/XX/XXXX - XX/XX/XXXX  Date the fraud occured :   XX/XX/XXXX  ;   amo unt ( s ) : {$1700.00} ; {$3000.00} These students loans are old and h ave been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in   XX/XX/XXXX ,  and have since been removed from my report (  XXXX   XXXX   XXXX  University  XXXX   XXXX  and   XXXX   ).     Now, I Have  "  XXXX /  XXXX   XXXX   XXXX   ; D  ept. of   Education/ NEL N ;  US Dept. of  Education / XXXX / XXXX ,  posted on my report from the same time period the prior students loan information post posted previously, dating :   XXXX .      This same issue with the fraudulent student loans has come back and repackaged.
All XXXX credit agency 's have my persons information. The home address they are reporting I have n't lived at in over 15 years, and the employers are the same. I need all my information corrected. I did advise XXXX to correct my information and they never made the changes.
There is an address on my credit report that I have never lived at. I have never lived in Massachusetts.