WillisBack/dataset-financial-user-claim huggingface dataset:
I was in a Contract with XXXX when i decided to take XXXX offer to buyout my contract. I gave XXXX my XXXX phone and received my new XXXX activated phone. I followed the directions of paying my last bill. After paying my last bill i was to bring in a bill to XXXX of how much I owed to XXXX for the phone ( {$540.00} ), which i did bring in this bill. After i brought the bill in the bill and other paperwork was immediately faxed to a XXXX agency responsible for paying that bill. Two and a half months have went by and I start to get calls and and a letter from " Credence XXXX. '' I went in and talked to XXXX and they said that the company responsible for paying XXXX bill had, for no reason stated, not done any further action towards paying thus bill. XXXX employees stated that their company responsible for paying my contract switch bill would send me a credit card in the mail to pay it with, i have not received any such mail from XXXX or their company regarding this issue. I gave them my phone which is the reason for the bill i do not have the XXXX phone anymore. I tried contacting the Credence company and they insist that I immediately pay the bill that I should n't owe. I 've read that Credence is a Scam company.
WELLS AND COLLECTION AGENTS AND ASSIGED LAW FIRMS FOR LAWSUIT DOCKET XXXX XXXX XXXX CIRCUIT COURT OF XXXX COUNTY WAS SERVED TO US VIA MAIL AND IN PERSON, REFUSED SUMMONS AND KEPT GETTING CALL FROM ALL PARTIES FOR XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX MY ESTRANGED FAMILY MEMEBERS. CALL CELL, WORK CELL AND SKIP TRACED XXXX IN VIOLATION OF FDCPA TCPA THIS WENT ON FROM XX/XX/2009 TIL NOW.
My payment is behind not even a full month and I asked Avid Acceptance to stop calling my job because personal calls are not allowed and XXXX XXXX continues to do so.
XXXX XXXX - XXXX XXXX XXXX XXXX - Address XXXX XXXX XXXX XXXX, KY XXXX. Cost {$830.00}. Paid. PLEASE REMOVE XXXX XXXX - XXXX XXXX XXXX {$230.00}. PLEASE REMOVE XXXX XXXX XXXX {$44.00} - XXXX XXXX XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX, TN XXXX - PLEASE REMOVE XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX - Address XXXX XXXX XXXX XXXX, OH XXXX PLEASE REMOVE
They are keep calling to my work. I don't think is appropriated. is constant, I already told them, I can loose my job if the keep calling,
Contacted TransUnion on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the TU inquiry issue. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX   ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX
X/XX/17- I called the ( XXXX ) XXXX number to which it was answered " XXXX XXXX. '' I advised I was calling back to find out about a debt. I spoke with a male ( dont recall him identifying himself by name ). Advised him that I was calling about my debt and wanted to make arrangements. He asked how much I could pay and I said I could pay {$100.00} today and at least {$100.00} a month. Naturally, I advised I would pay more if I could- which I did NOT expect him to take my word for it, but wanted to mention it because I DO want to clear up my debt. He commented " that 's not how it works '' and put me on hold. He said they would not authorize that small of a payment and lectured me on fees and interest. I asked what they would accept and he said {$190.00} and some change with the first payment being in XX/XX/XXXX etc. I asked for it in WRITING and advised I would pay by mail to which he became very unprofessional and said that was not possible. I told him I wanted to make payments but I would not allow them access to my bank account for automatic payments as I 've had a bad experience with this in the past. He refused to send anything by mail- I have NOT received ANYTHING from Practice Financial by mail at all. I can not even find what appears to be the correct company on the internet. I called back and asked for a supervisor who was XXXX ( long last name that I could n't understand ) explained the situation and how unprofessional the first man was and he became just as unprofessional and rude. Again, would not allow by mail payments and questioned my debt paying practices and why I would get this loan if I ca n't pay it etc. I do n't appreciate being badgered. I have worked with the public since I was XXXX and I can not imagine talking to someone the way they talked to me- I was in tears by the end of the phone call. He kept mentioning that if we end the call, the company would litigate against me ... but would not accept my payments by mail ... therefore he was REFUSING to take money to pay on the debt and would not make any options for me to resume paying down my debt and taking care of it. By telling me " if we end this call, we will litigate against you '' I felt I had to stay on the phone and continue being harassed, humiliated, belittled and badgered and I finally could not take the abuse anymore- I ended the call with " See you in court. '' I have EVERY intention of repaying this debt- unfortunately circumstances did prevent me from taking care of it and allowing it to get this far. Everyone has a story, so I 'll save mine. But if I ca n't work with them, how can I repay? Abuse is not ok.
I disputed a debt with transunion because a collection agency and a creditor report the same XXXX debts. Transunion dont remove any of the entries.
On  XXXX   XXXX ,  XXXX  my Navy Fe deral Credit Union checking account was closed due to check fraud. I advised Navy FCU I had been an victim of identity theft. Navy FCU n ever advised me of any additional steps to take to revive my checking account. I recently filed bankruptcy chapter  XXXX  and on  XXXX   XXXX ,  XXXX  my chapter  XXXX   discharged. I sent Navy FCU an appeals letter along with proof of bankruptcy and identity theft. I would love to establish a new relationship with Navy FCU.
From XX/XX/XXXX until XX/XX/XXXX, I worked for a XXXX-XXXX XXXX XXXX XXXX  company called XXXX. In XX/XX/XXXX, XXXX XXXX started ownership of XXXX and its employees. There was a known debt I with XXXX  that started after I left XXXX  in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I was unemployed. XXXX did provide a severance package. Later in the year, I received debt notices from XXXX  for taxes paid on my behalf while working in the XXXX for XXXX.

I started writing emails ( which came back undelivered even though I chose reply ) back to XXXX asking they waive the amount owed, {$15000.00}. I didn't have the money due to the expenses after being laid off by XXXX. Every time I received an email, I asked the same. Then I started writing letters and received no response, again, asking for a waiver. Then I received a letter from a debt collector. I told them I was in pursuit of a waiver and showed them letters I had written to that extent.

I wrote letters in XX/XX/XXXX and XX/XX/XXXX and received no reply.

I even wrote a letter to the President of XXXX XXXX, certified mail, return receipt. I received not reply.

In XX/XX/XXXX this year, I received a call from XXXX XXXX XXXX. The caller ID was from XXXX XXXX from XXXX XXXX, XXXX. I contested the debt due to non-receipt of an answer from XXXX. XXXX XXXX sent me a debt letter that I had received in XX/XX/XXXX. I received a credit bill last week and replied to XXXX XXXX to ask XXXX  on my behalf to answer my questions from XX/XX/XXXX.

Questions : 1. Does a debt collector in XXXX have jurisdiction in XXXX ( my residence )?

2. What rights do I have in this situation?

3. Will you interceded on my behalf and ask XXXX  to answer my questions from XX/XX/XXXX?

Regards, XXXX XXXX
4 fraudulent charges were made to the card beginning XX/XX/18. These were immediately reported to American Express Serve, and they were asked to investigate the charges, put a hold on the card and issue a new card. The account has over {$700.00} in it, and the money is needed to pay bills. No card has been issued. No report on the fraud has been given. The card is frozen and I can not get my money. Whenever I call, which is every week, I am told they will have it resolved in 5-7 days, This has been going on since XX/XX/XXXX.
Applied for a modification and the lender/servicer continues to delay the process, and now is trying to foreclose.
XXXX  isnt doing a proper investigation for accuracy because XXXX XXXX XXXX  have inaccurate information and also I ask XXXX XXXX XXXX states they have ownership the account when I ask them for proof from the original creditor of the debt, license to collect, a contract stating that I owe them with my signature they failed to respond to my Letter that was send to them certified mail and is was notarized. The credit bureau ( XXXX  ) are violating the FCRA ( They refuse to correct information after being provided proof of inaccuracy ), Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) .and XXXX XXXX XXXX   is violating the law by ( They fail to report a disputed debt to the credit bureaus ) thats FDCPA, ( They have not validated your debt and they still continue to report to the credit bureaus ) thats FDCPA , ( They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency ) thats FCRA
American Express has effectively moved US based accounts to XXXX with no notification to customers. The way this has been effected is, the AMEX site ( s ) will show the country where the site is based. In this case it is XXXX. There is a button to change countries -- however, that button is unusable. 

This problem came to my attention when I attempted to get a problem corrected on the AMEX web site where a customer must logon. I needed to get information about my credit card activity for the prior year for tax purposes. We have been doing this for the past several years, which helps us in getting our biz and personal US taxes filed. We found that the extended data downloads fail. We reported this and found that we were talking with people in XXXX ( via the AMEX site, more to this later ), and since it was the weekend, OK. 

The problem is it takes a while to get them to understand the issue you have, they need to go through all this " security '' questioning, etc. to finally realize you are reporting something broken. So a few days later you are called back to be told it is being worked on. This lead me to contact them again last night ( XXXX XX/XX/2017 @ about XXXX US Eastern ). So we get to do all the same diagnostics before they actually listen and find out we have an open ticket for this. 

Today, XXXX XX/XX/2017, I was trying to find the right location to contact AMEX about this. In the past, I could report such things and get them addressed quite rapidly. No longer. The ONLY contact points I am offered are in XXXX. This means that AMEX has off-shored their business from the USofA to XXXX with no notification to customers ( I was n't told ). 

This leaves this question : Can AMEX present themselves as being a US operating company, while having NO US based employees, or operations other than mail drops and locations to send bills from? That is, they have off-shored all but their top management, and pretend to be a US operation. It seems to me that there is a violation of regulations, or an attempt to avoid law/regulations for CC and banking by offshoring their banking and operations to XXXX.
I bought a car at Honda and financed a loan with Honda Financial Services. Honda Financial services failed to informed me the interest on the loan will be variable. Honda Financial services has not send me a paper statement, and after 2 years I come to find out that my car loan has a variable interest. Please help me resolve this matter.
On XXXX XXXX, 2015 At approximately XXXX-XXXX, I answered my cell phone however there was no response from the caller. I immediately checked the call in to determine the source. It appeared to be HSBC. I placed a phone call to the number and reached XXXX XXXX, HSBC Home equity-line of credit representative. I asked about the nature of the call. XXXX indicated that this was an inquiry to see if I would be able to make a payment on the loan to bring the account current. XXXX, stated further " that during your financial interview on XXXX/XXXX/15, the information the information collected did not meet certain requirements. I stated that during the week of XXXX XXXX, 2015 I spoke with XXXX XXXX the account manager handling, the mortgage modification request. XXXX further informed that I was no eligible for the modification. This was determined by lack of income. I inquired what the income level needed to be. She stated based on the financial statement your previously provided you are not eligible. That seemed odd since HSBC approved a modification of my first loan which improved my income cash flow by more that {$600.00}. I stated to XXXX that I will inquire further to address this concern. On XXXX XXXX, 2015 I spoke with another HSBC representative XXXX. She stated that there is an option to enter into a payback option. This payback option was described in XXXX parts. The first option is XXXX % at XXXX An additional option at XXXX % XXXX and a final option at XXXX % XXXX. I asked could she send this in writing. She stated no they can not do that. This all seems very odd. No one from HSBC is willing to send forward in writing. I am not asking for a fair review. I am asking for a investigation of this matter. This is my 3rd complaint submission against HSBC. For HSBC not to send this tentative agreement of terms in writing, is not a sound business practice. It also appears that HSBC has taken the position to close the home-equity line of credit. I suspect a reconciliation of payments with the amortization schedule will show discrepancies of the principal owed and the payments applied. I asked that my previous complaint submissions be re-opened to address my concerns. 

I have taken the appropriate steps with credit counseling and made substantial cuts in family budgets and expenses. I am also working to resolve issues with other creditors. My original concerns with the modification process is multiplied by several representatives being assigned as my case manager. It was acknowledged that several documents were not sent to me in a timely manner and that their computer fax system does not always update information properly. The initial case manager on my XXXX and XXXX loan modification XXXX XXXX informed me that my original submission went into their processing system satisfy the first loan mortgage modification and not the second.
Hello CFPB, I will make this brief, and clear cut as possible. Sometime XX/XX/XXXX my family & I went homeless. We were living in a apartment we could no longer afford due mostly to low income, and lack of job opportunity. During such time my family & I lived in my mother 's XX/XX/XXXX XXXX Eclipse. Which of course is not comfortable for a family of XXXX adults. Some how we made it work. Spending most of our time at public libraries. Bathing at community gym showers, and eating out every night. Generally spending {$100.00} - {$200.00} a day on gas & food just so we could survive. During this time money obviously is running low & fast. I, without a job, managed to pull out a payday loan I knew I could n't afford at the time. The maximum amount I was allowed to withdraw was {$500.00} from CashNetUSA. The money was sent to my account over night, and I was able to feed my family for the week. In this time my brother & mother both worked. I however was & still am not working. Believe me, I am looking, and applying vigorously. Unfortunately, I 've not been selected by the establishments in question. As you can imagine I 'm expected to pay my debt back, and in a hurry because of the 12 % interest. Be mindful this was n't thee only payday loan I applied for. It is however thee only XXXX I received given the knowledge that I was without a job. Most loans will not relinquish funds without some guarantee that they will be compensated I have found. CashNet willing gave me the money with no insurance I would be able to pay them back. I do in fact plan on paying them, or at the very least reaching some sort of agreement where that can be actually possible. I 've made a attempt to arrange this said deal via email. It was denied, and I was sternly sent a billing statement claiming how much I owe. Which is, as of XX/XX/XXXX, {$900.00}. This amount of course is grossing everyday. As one can imagine I 'm feeling quite overwhelmed with this experience all together. Even though we 've managed to find a more affordable apartment, and our lives are slowly returning to it 's former state we still are in a financial danger zone just wishing for a chance to bring our heads above water for some air.
I have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX XXXX. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( XXXX XXXX, XXXX, and Experian ). 
The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

If I have misinterpreted this statue, please advise.
I purchased a car on or about XX/XX/2017. Credit was pulled by several companies, including - XXXX   XXXX, XXXX and XXXX XXXX XXXX XXXX. 
The companies above pulled credit 3,2 & 2 x respectively for a single transaction. ( See XXXX 2 Attachment ) .These pulls are each being recorded as a hard inquiry and have affected my rating on Transunion . ( See Attachment ). Hard Inquiries are 12 instead of 8. 

I have contacted Transunion and they said only the creditors can fix it. I have contacted the creditors and they have no process to remove the extra inquiries, and I should file a dispute with Transunion. I file a dispute with Transunion and they state the creditor had the authority to pull my credit. 

Yes they had approval to pull my credit once, not 2 or 3 times. Please assist me in helping get these items removed.
I filed and re-filed the same dispute because I did not get notice clearly stating the results of their investigation. XXXX filed XX/XX/XXXX and investigation complete XX/XX/XXXX. no notice of result of investigation. Re-filed same complaint XXXX on about XX/XX/XXXX investigation complete XX/XX/XXXX. No notice of results received. Re-filed same dispute for 3rd time XX/XX/XXXX XXXX. Pending.
Afini Inc, ha s place  XXXX  accounts on my   XXXX   and   XXXX   credit report. I have been a victim of identity theft and I submitted my police report to  XXXX , and the other credit agencies. I have never had an account with  XXXX   XXXX  or   XXXX   and I keep telling these companies that. I am a victim of identity theft and this account is NOT mines . Afini does not have any validation nor did I receive anything in the mail for either of these accounts. My rights have been violated and they need to remove these false accounts off my credit report.
I currently have XXXX car notes with Huntington bank. On XXXX XXXX my payment was due and mailed in in a timely manner as to not be late. The check was stamped and addressed but did not clear my account until late XXXX which put me past 30 days late. I feel this is unfair as I gave ample time for my check to arrive. I have a good credit rating beside this and the negative rating is greatly affecting me and my wife 's ability to do a refinance. our payment was clearly sent way in advance of the due date and should not be reflected as 30 days past due. 

Thanks, XXXX XXXX
I have submitted each mortgage check to ditech ( I have XXXX mortages ) with them and they continue to post the money in the wrong account even though the correct account number is written on the check. I have recently tried to pay off my small mortgage and they applied it to the wrong account. They state that " they had a big computer update and it changed account numbers and many customers had that problem. '' However, that does not change the fact that they have messed up my account. They have told me to wait and I have waited 3 weeks! I call each day and they say it is being reallocated and " researched. '' I have my check stubs as backup to my claim. When I call, most of their representatives are rude and get snappy. They are not customer friendly and do not help customers try to resolve issues. I would have hoped that having an excellent payment history would help, but obviously they are too busy to care about their customers.
I received this companies " proof of Debt '' they are right it is NOT a XXXX - it is XXXX.. STILL NOT MY DEBT! I stated that this is not mine. This debtor needs to contact XXXX XXXX XXXX. The dates are included with a legal case. All original creditors have been contact. further collection is a violation - if you continue, I would be happy to hold you responsible for damages I would be entitled from you to under the law. 

Or you could contact this law firm ask for XXXX ... a paralegal that I know would be happy to set you straight By the way I also mail you the information!
On my TransUnion credit report, did not authorized the following parties to access my credit report with hard inquiries, Wrote letters to them all, and requested documents with my authentic signature, stating I authorized them to acces my credit report, and never got a response back. The following parties illegally access my credit report without my authorized signature authorization : XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX 
XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX