WillisBack/dataset-financial-user-claim huggingface dataset:
On   XXXX   XXXX   XXXX     at approximately  XXXX   XXXX  time I received a voice mail from (  XXXX  )  XXXX  the caller identified himself as   XXXX    with  ext  XXXX . I called the number  (   Prince parker and associate 's in g. ) I was transfer to the collector  XXXX  the collector informed me that I had a bill from  XXXX   XXXX   XXXX  in the amount of  XXXX  USD he ask me how did I want to pay the bill. I told him that i needed to log in to my account with  XXXX   XXXX   XXXX  because i tough i paid my bill I 'm currently an  XXXX   XXXX   XXXX  customer and did not remember getting that bill, I check my account and yes I did have a balance in the amount for a recent closed account. The collector was persistent that pay the bill over the phone he advised me that my account was turned over to them on   XXXX   XXXX   XXXX    , I informed him that I did not feel comfortable paying over the phone since i did n't receive a statement from them, He insisted that he had all my information and confirmed my new mailing address and told me he had my Social security number and recited the last four of my social security number  I  asked him how come they never sent me a collection letter with my debt information and he claimed they sent multiple letters to collect. I then asked him how it was possible since they received my account 3 days ago, i told him i did not have a problem paying as long as I get a statement, I informed him that by law they had to give me a written notice a statement but he refuse and told me he was not going to argue with me and that he could not help me and he cut the conversation. I have no problem with paying my bill in was an oversight on my part, my responsibility is to pay that bill but i feel that your company is violating my rights under The Fair Debt Collection Practices Act
GM Financial reflected fraudulently reflected 60 days late payments on customer car payment account. GM Financial received payment from XXXX Bank on XXXX XXXX with the wrong address as stated by XXXX Bank. GM Financial would not produce evidence that they did not receive car payments for XXXX XXXX and XXXX XXXX. XXXX bank stated that the XXXX XXXX and the XXXX XXXX car payments also had the wrong address on them. XXXX bank mailed out the car payments to GM Financial. GM Financial refused to provide me proof that they did n't receive the XXXX XXXX and XXXX XXXX car payment. I am requesting that GM Financial produce copies of these XXXX electronic checks and the date that they received payment.
I received a hospital bill in the beginning of XXXX for a deductible for the XXXX of my child on XXXX/XXXX/XXXX. I disputed the bill with XXXX XXXX, and a woman called and spoke to me regarding the deductible. She informed me that she will send me some information regarding the bill, and I should call my medical benefit provider to discuss more about my deductible amount. I was disputing the deductible, because I 've paid over {$1000.00} in XXXX as a deductible for visits during my XXXX. In the interim, I received a collection letter from Remax Inc, attempting to collect said debt. I called the debt collector on XXXX/XXXX/XXXX, and I informed him that i am disputing the debt. He advised me that he will notate the file, and he will follow-up with me regarding the results. I called the accounting department at XXXX XXXX on XXXX/XXXX/XXXX, and the lady claims she had no clue I was disputing the hospital bill. She insisted that I pay the bill. I started paying the bill in monthly payments of {$25.00} a month, which is the same arrangement that I made with XXXX on the other deductible payments in XXXX, So far, I have paid {$75.00}, and I received a notification that Remax , Inc. has entered themselves as a collector on my credit report. Remax never called me after XXXX/XXXX/XXXX, and they should have been notified by XXXX of my payments thus far.
This is not the first time I have filed a complaint again st Discover Student Loan.  Back on  XX/XX/XX  I submitted a request  (  more like begging ) for help paying my private student. Then on  X/XX/XX  I submitted another request, this time I received an email from the "  Executive Office of Discover Financial  Services '' stating they are still working on my issue and I should hear from them again within 60 days -- - well 60 days have past and I still have not received any contact fro m Discover. Discover ha s no problem calling me about my missed/late payments however no one calls me back to help me ; why is that???? Can someone please help me lower my monthly payments? Can I modify my loan? Can someone please reach out to me?!!
Received a call from XXXX, from XXXX, ME. I returned the call, and it is Halsted Financial, located in IL, and I was informed by the rep the call was made by a rerouted number. I was informed this account was acquired, and I instructed the acccount should have been placed in a hardship status, as I have a household member going through XXXX XXXX. Rep stated that does not matter, as this is a collection account, and it is owed.
- I opened an Amex credit card account in XXXX XXXX with offer to receive bonus XXXX XXXX if made $ XXXX in purchases in the first XXXX billing cycles. I did this as planned to make several purchases on XXXX over next 2 years with major life events happening. 
- My XXXX app is updated monthly ( around XXXX ) and shows amount of spend. 
- I called AMEX on XXXX at XXXX from XXXX to ask if had met my spend requirements or needed to make more purchases. Agent confirms I have met spend requirements. I thank her and move on using my normal credit card for purchases. XXXX call log shows call duration of XXXX min, XXXX sec - In XXXX I noticed my spend level on the XXXX app shows XXXX $ 3XXXX ( report date as of XXXX ) - I called AMEX on XXXX at XXXX from XXXX and speak to XXXX XXXX because had n't received XXXX credit when looking to book another XXXX trip XXXX She advised I had n't met spend limit, which is why credit was n't received. I advised of call in XXXX, she says no record of it and will submit request to retrieve call so could confirm what agent said/did n't say to me. She advised to give them a week to research. XXXX call log shows call duration of XXXX min, XXXX sec - I called AMEX on XXXX and speak to XXXX ( agent ID XXXX ). XXXX advises me that I already received credit and used it ( XXXX different XXXX redemptions I made ). I advised him those are not the same thing. He researches and then says I did n't meet the requirement, I had only spent $ XXXX dollars which was why I did n't receive credit. He said could open an inquiry into issue. I advised last agent had done that. He advised appear to have happened. I at this point ask for supervisor. 
- Call is transferred to Supervisor XXXX ( agent ID XXXX ). I provide synopsis of above described events. She looked and does n't see any account notations or record of call from XXXX. She sees inquiry opened for retrieval of call from XXXX. We surmise this to be a system date and tied to the inquiry I had made prior date. That inquiry is not complete and she is not certain who it has been assigned to for review. She reviews account and advises I had only spent {$1600.00} towards the min $ 2XXXX requirement and that was why XXXX credit not issued. She states that Marketing department makes no exception, even if AMEX agent made error in settling these issues. At this point I terminate call and advise opening CFPB complaint for XXXX review as AMEX had advised me of A ) financial actions taken on the account that were not fulfilled or fulfilled incorrectly and B ) engaged in an act or practice involving a representation or omission that is likely to mislead a reasonable consumer like myself in a material way. 
- It 's clear that AMEX agents are having a hard time answering basic inquiries here. From initial agent telling me I had met spend requirements, to subsequent agents telling me I had spent various amounts ( never the same ) or telling me I had received credits when it was clear I had not. 
- All I want is my XXXX. Seems their rewards process might need review as well.
On XX/XX/XXXX I tried to use my XX/XX/XXXX American Express Reward Coupon at my local XXXX. The Reward Coupon was for a credit of {$130.00} based on my XXXX purchases on my XXXX American Express card during XX/XX/XXXX. My Reward coupon was rejected because it expired XX/XX/XXXX. I was told to call American Express to have it reissued. Today, after calling American Express at XXXX XXXX XXXX XXXX I was told by a supervisor, XXXX, that American Express would only reissue a coupon for 50 % of the {$130.00} because the coupon had expired. I asked, " Did n't I earn all {$130.00} thru my XX/XX/XXXX purchases on the card at XXXX? '' XXXX said " Yes '', but because the coupon had expired, I was n't entitled to any of it and that they would only issue 50 % of it again as a courtesy. If I did n't accept before XX/XX/XXXX, I would not get anything. This seems like a strong arm tactic. I did n't need to use the coupon before yesterday. I need to use it now for our XXXX grocery preparations. American Express is bullying us on this issue.
I XXXX XXXX claim that a company known as National Enterprise Systems ( NES ) has been for a great deal of time tried to collect a debt that may no longer be valid. The referenced collections state that the debt service date to be 1998. If these debts were in fact educational loans, they would have been backed by guarantee with the U.S. Department of Education. 
I claim that NES acquired these debts from a debt pool system, and that the enforcement date can no longer be valid by California laws. The only method in which these loans would be valid is by a guarantee to the U.S. Department of Education. 
I believe that these loans were securitized through a XXXX party investor. NES has destroyed my personal credit on debts that are no longer valid. 
I will proceed with a federal lawsuit against NES if they can not validate a legal collection process. 
NES has submitted my personal information to another XXXX party source where this source stated in a recent conference call that they have no ownership in the debt, nor that they have any authority to modify the debt. This is a violation of my rights under the Fair Debt Collection Practices Act. NES has destroyed by credit even though the debts are no longer valid for collection under California laws,
A person by the name of XXXX XXXX calls my place of work and leave a message with a coworker for a call back, So I called her back and she proceeded to give me the mini Miranda and tell me about the debt she has in her office. I tried to tell her I never received a notice in the mail and asked her not to call my work anymore and she says she didn't know it was my work, we answer the phone with a biz name. I asked for an itemization of the charges since I did not recognize one of the charges she was describing but, she claims she can not get that since it is hippa protected, So I wanted to ask how you can collect something you can't prove I owe but she got angry and hung up on me.
In XXXX, 2015 I entered a written dispute with AWA COLLECTION reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, AWA COLLECTION was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

AWA COLLECTION failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with AWA COLLECTION an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. AWA COLLECTION failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state Division of Financial Services in Florida indicates that AWA COLLECTION is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to AWA COLLECTION have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
On XXXX XXXX, 2017 I spoke with XXXX, Experian, and XXXX about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge
XXXX of the loans discover purchased in XXXX was never reported to my credit until XXXX XXXX. Also in XXXX XXXX I requested a debt verification per the law because of this discrepancy- they never responded or provided this to me which is a violation of law! They claim they never received it but I have proof of delivery certified receipt and tracking online that proves it was delivered to the address listed on the account. I have yet to receive any debt validation.
Sunday morning XX/XX/XXXX Coin Base website  would not accept my 2FA. I followed the guidelines and submitted front and back of drivers license and a vitural shotnof me holding my license. They already have this on file. Sunday afternoon I hear nothing. I then learned Coinbase is the one with the problem on there end with their 2FA system not working. Finally Sunday night I finally emailed  customer service ( no phone number) and advised them they had $XXXXOf my money that they have locked me out of. She said she sent  she would sent it to a specialist. This is Thursday and I still cannot get into my account to retrieve my money. This should be a crime at what these people are doing. I have no idea if they even have my money or have I been robbed or scammed?  They have done nothing to help me. Please can you help me get my account unlocked and my money back?Warm regards XXXX XXXX XXXX
An ex girlfriend of mine ran my credit in order to damage my credit. She was shopping for a car and decided to give my information to a few car dealers ... They then forwarded it to car finance companies ... ALL in ALL, 10 different companies pulled my credit on XX/XX/2018. I did not provide authorization. She did this without my consent. I wrote a letter to each company however they yet to remove it from my account.
Had insurance protection on all my loans in case of list of job or XXXX, they never helped me. Would just stress me out. Was on XXXX for a year and no payments where made by bank.
I sent two money orders to XXXX XXXX. The first money order was for {$250.00} and the second was for {$490.00}. I inadvertently made one of the money orders payable to myself ( {$490.00} XXXX. As soon as I caught the mistake I contacted XXXX regarding the issue. It was at that time they informed they use robots in their payment centers to process checks. I was informed my check would either be cashed, sent back or destroyed by the robot. The check was processed. XXXX contacted the Federal Reserves to have the funds reversed but it will not be be sent back to me. I was told the funds would return to XXXX XXXX XXXX money order ). I have contacted XXXX XXXX and they outsource their customer service department outside of the XXXX. So communication has been horrible with XXXX XXXX. XXXX should have send the monies back to me. Now I 'm out of {$490.00} which was my payment amount to XXXX. I have spoken to multiple individuals regarding this situation. I do n't sense the urgency to resolve this issue either.
Comenity Bank keeps calling me looking for an  XXXX   XXXX .   I am not, nor do I know any,  XXXX   XXXX .     They call me from different phone numbers all over the country. So when I block them, they use other numbers.     I spoke with a representative and told them they had the wrong number. She would take care of it but nothing happened.     I just called again and spoke with someone who would not give me their address so I could send a cease and desist letter. She did confirm it was Comenity Bank.     The last  XXXX  digits of my phone are  XXXX . Maybe they can match  XXXX   XXXX  with the WRONG number they are calling.
I previously disputed an account reporting under the name of XXXX XXXX XXXX on my TransUnion credit file. I have sent several letters of dispute in addition to supporting documentation to CFPB and TransUnion. On XXXX/XXXX/2016, I received a response from CFPB that my dispute for case number : XXXX had been closed. The response included erroneous steps taken by TransUnion to investigate my dispute. On this same day, XXXX/XXXX/2016 I called and spoke with XXXX at XXXX XXXX XXXX XXXX, TransUnion reached out to his office on XXXX/XXXX/2016 and my account notes a dispute was received. I confirmed with XXXX at XXXX XXXX XXXX that I have a {$0.00} balance. This is a contradiction to what TransUnion is stating in their response to me. I requested a letter from XXXX XXXX XXXX on XXXX/XXXX/16 when I received TransUnion 's frivolous results in which I have attached for your review and reconsideration in reopening my dispute. I do not understand how a credit bureau can get away with reporting inaccurate information then be allowed to state in writing that they have conducted an investigation and confirmed the inaccuracies. I simply picked up the phone to validate what I knew was already correct. I have sent several disputes and received responses from TransUnion that their reporting is accurate when I have proven that it is NOT. I am requesting with this written notice that the inaccurate item be REMOVED from my credit report. This account is NOT correct and is causing me financial distress because of the derogatory information. If this FINAL request does not prompt you to conduct a proper investigation of the account in question, and send proof to me of said investigation, I will file a civil suit for damages. As previously stated, I take my credit very seriously and TransUnions lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I am requesting this account be removed immediately from my file. I reserve the right to sue TransUnion for violations of the FCRA and I believe I can prove that they did not use reasonable measures to insure the accuracy of my credit reports and now are stalling the process further. I want this removed.
XX/XX/XXXX XXXX : Property address XXXX XXXX XXXX XXXX NY XXXX Loan # XXXX I was given a modification by Seterus Servicer on XXXX. I have been making all of my payments on time. However Seterus servicer has been making mistakes on my account that have made me very XXXX and have had a toll on my health. This is my third complaint in less than three years. Three different serious mistake Seterus XXXX has done on my account. XXXX XXXX has my account suspended due to a mistake on their part. 1. ) I received a letter from Seterus XXXX datedXX/XX/XXXX stating that A payment that did not belong to my account was inadvertently posted to my mortgage account and XXXX reversed the payment that was posted in error. ( please see attached ). 
Again I find myself being threatened by Seterus on foreclosing on my house, due to their mistake. Seterus wants me to make extra payments. I dont have any extra money to make extra payments. I have made all of my payments on time. 2. ) My escrow payments should not have increased. I had a senior tax reduction on my taxes that started on XXXX and I faxed the proof on such reduction on XXXX ( see attached ) again Seterus gave me a hard time acknowledging this information and providing me with a new mortgage payment and statement until months later.
Please assist, my husband and I are over XXXX years old and feel that we 've done all we can do fix this issue with no results with Nation Star MY house loan was sold from XXXX XXXX XXXX ( XXXX ) Account # XXXX to Nation Star ( NS ) XXXX in XXXX XXXX. From the beginning there was an issue with an unpaid fee of {$120.00} for missing days on the property without insurance with XXXX we were disputing. When I heard the loan was been sold to Nation Star I decided to pay this amount in full with the last payment made in XXXX to XXXX to avoid any further problems. 

In XXXX we started making payments to NS as specified on the monthly bank statement. Then the first month we started getting calls and letters that we owe additional escrow balance to NS. They claimed the amount of {$120.00} had not been paid and we needed to pay this amount and late fees right away. 

I spent many hours on phone calls in XXXX, XXXX, and XXXX XXXX trying to fix this issues. XXXX months down the road, Nation Star was not finding the money, they kept arguing that the money had been paid. At the end of XXXX I called NS again and a gal by the name of XXXX was able to help out. We spend about XXXX - XXXX hours on the phone in which we call XXXX and they told us that all the funds had transferred to Nation Star. XXXX searched this money and found out that the funds had transferred to Nation Star and that our account needed to be fixed and credited all the extra fees NS had charged to my account. 

This gal try to fix the problem and told me she would credit all the late fees. Two, three months, later the issue was not fix. I would get on the phone and had to explain all the issues again, the reps would argue with me and tell me that the fees had not been paid until I would tell them to read the notes. Then they would say " the system will give you the credit ''. I have called many times for two years and they continue to tell me the same thing. Every time I call I 'm having to explain the whole scenario to the Reps and tell them to read the notes because they argue that the fees are still outstanding and we still owe the money and late fees. 

It is now XXXX XXXX, two years later and the issue with all the late fees has not been solved. The fees have gone up to {$500.00} + and I 'm sure with interest. This is creating a lot of stress in my life. At my age, I do n't need this kind of stress. I do n't want to spend more time on the phone with Nation Star because I do n't think anything will get fixed. I 've called them sent them letters, sent emails on their website and there has been no response. 

I 'm coming to you in hope that you can help me address this issue with Nation Star. I need the fees to be reduced, the interest charged to be restored, and my any wrongful or derogatory information on my credit to be restore. 

I can be reach at XXXXXXXXXXXX or XXXX XXXX Thank you , XXXX XXXX.
A letter for debt collection was sent to me from the Hameroff law offices dated XX/XX/XXXX. In response, I mailed a letter ( certified ), dated XX/XX/XXXX, in which I requested not to be contacted about this debt any further. The statute of limitations for legal action on this account has passed. I have not made any payments on this debt since at least XX/XX/XXXX. In this letter, I stated : " Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. " I received another collections letter from them dated XX/XX/XXXX. Nowhere on this notice does it say anything their confirmation of my request.
I disputed the account with Equifax as " not mine '' but it recently came back as verified ... .I never had an account with ( Original Creditor : ) XXXX  They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done