WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making payments for 6 months to the original creditor but I was harrassed constantly on the phone by his collection agency, and this collection agency is attempting to bully me into paying them by illegally reporting a collection debt on my credit report.
I need to file a complaint against Discover for falsely advertising a credit card offer promotion for using   XXXX   XXXX  . The first  XXXX    XXXX   XXXX   came with a {$5.00} promotion. Discover told me on several occasions that I would received it this  XXXX , but I did not. They admitted to their error, but are still trying to make me wait for 1-2 more billing cycles.
rush card, stated that there was computer maintance on XXXX/XXXX/2015. I was unable to withdraw any money from XXXX/XXXX/2015 untill now XXXX/XXXX/2015, and i still can not with draw any money, or even speak to any one at the XXXX XXXX XXXX, customer service number, the web site constantly goes down, and the only way to get any information is to XXXX, i don not tweet, i have to go on the XXXX page of XXXX and rush card to find infromation, but non is helpful. i have told throught face book that they are still woerking to get the problem solved, i also was told to send my social security number, name and adresson open web site and they would contact me, i did not do this, because i have already no acess to XXXX that is still tied up in this transaction. i have borrowed so far XXXX from co workers and getting alittle fed up with the prcoess, and the way this is beeing handled. please assist meThank you, XXXX XXXX
ILLEGALLY WITHDRAWING FROM MY ACCOUNT AFTER THEY BEING PAID OFF.L
Earlier this year Equifax had a data breach that leaked my personal details and information. They had subpar security, and were negligent about making sure that my data was safe. After learning about the data breach, Equifax was negligent about handling the aftermath, and kept it secret for too long. Now that my personal details have been leaked, there is no way to get them back to being secret again. This threatens my ability to buy a house, buy a car, rent an apartment, or take out loans in case of an emergency ( like XXXX XXXX or XXXX ). In order to mitigate this for myself, I have to spend extra time and effort to monitor my credit, and will have to make sure to stay vigilant for the rest of my life. Their response to the breach was to offer 1 year of credit monitoring ( so, basically a free trial version ) to those affected, which signing up for their credit monitoring service would bind me to arbitration and prevent my participation in a class action lawsuit.
I have 4 active accounts with XXXX, I make payments on all of them each month for the past 2 years. On XX/XX/XXXX XXXX XXXX  obtained a copy of my credit report without my permission or knowledge. I am currently disputing the 30-day late payment with XXXX XXXX that they reported to all 3 major credit burrows, during the complaint and being aware that I am purchasing a house and I am in an escrow, XXXX XXXX put a hard credit inquiry on my Experian credit report. XXXX actions completely destroyed any chances that I had of getting a mortgage loan. 

Plese, find attached a screenshot from my Experian account showing date of credit inquiry and creditors name. 

I want this to be taking care of as soon as possible.
I have opened numerous complaints with this agency only to see them " CLOSED and FILED '' upon receipt of a response be it inaccurate, incorrect or outright lies. Currently my wife are undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. A review today of my " protection ''  XXXX  -placed by the  HR Department of the United  States Governmen t indicates the reports still reflect incorrect information and wrong information has not been corrected. I h ave filed with  the CFBP Ombudsman and Vice Presidents office for  help but to date nothing!
Around XX/XX/XXXX or XX/XX/XXXX I paid off my Barclay Card for almost {$3000.00}. I called the company to request that they close my account. The agent that I spoke with stated that they would not close the account unless I provide information that I had no access to. I never got a billing statement again from the company. In XX/XX/XXXX I received a phone call from the company stating that I owe {$3300.00} ( appx ) and that I need to make payment. I told the company that the cards were destroyed and that I requested to have the account closed prior and that I was not responsible for the charges. I told them that there must be fraud on the card and was transferred to a fraud agent. The agent told me that he would accept fraud and close the account, and credit everything on my bill. About a hour later the same agent called me back and stated that he was refusing to accept fraud because some of the charges that occurred after I destroyed the cards were at the same merchants that I shopped at prior to requesting the account be closed. I also have accrued about XXXX in late payment and interest charges but was told prior to closing my account that i would never accrue for any reason any late fees or interest charges until XXXX 2016. 
I reviewed a billing statement that I had to have a co worker get online ( because the company is refusing to provide me with requested documents ). Upon reviewing them I noticed not only were there several charges that were at merchants that I did not go to, but there were several duplicate charges on the bill. I have printed out the statements and hand wrote notes on them and will include a scanned copy of the statements.
I contacted Transunion on line to get a free credit report .i paid {$1.00} for this andgave my credit card info. I was offered " free '' credit monitoring.come to find out II was charged $ {$17.00} for the " free '' credit monitoring.this is deceptive.
I want to be sure that PayPal smart connect account ending XXXX is closed. Filed separate complaint after account was handed over to debt collection agency. Paypal has not been mailing me statements. Final amount due paid. Ensure account is closed.
I went to XXXX XXXX XXXX system on XX/XX/XXXX. I had an XXXX, I walked in and check in at the front receptionist desk, sat down, and by the time they called me to the back to see the doctor the XXXX  had XXXX, so I informed them that I no longer needed medical services, I signed a letter stating I was refusing medical services and I then walked out of hospital. The following month, XX/XX/XXXX, I received a bill for {$150.00} in the mail from XXXX XXXX XXXX system from that hospital visit. I immediately contacted the hospital billing department and let them know what happened on XX/XX/XXXX, the lady informed me she would make a note in system to retract the bill and as long as I didn't receive a bill the following month everything would be cleared. I even called to do a follow-up call 2 weeks after initial phone call and I was informed the same thing, it had been cleared in system and not to worry about the bill. I was under the assumption that information was correct until I received a notice for a collection account on my credit report from XXXX on behalf of XXXX XXXX on XXXX XXXX pertaining to the hospital visit on XX/XX/XXXX. 
I never received any additional bills from XXXX XXXX after I made the initial phone call pertaining to the hospital visit on XX/XX/XXXX. Never received any notice that the account was past due and being turned over to a collection agency. The only notifications I got about the account was when the collection was added to my credit report. I immediately contacted XXXX XXXX and informed them of collection account and how I was not properly informed about an outstanding bill since I had spoke to a billing representative in XX/XX/XXXX. I questioned the representative about what was I billed for, what services were performed on me since I refused service. I was informed that I was charged {$150.00} simply because I walked in the hospital even though no medical services were performed on me because I refused ANY medical services. 
I sent a medical debt validation letter 1st to XXXX, and they simply responded that account was verified from XXXX XXXX. I then contacted the 3 credit bureaus sending debt validations letters to all 3 XXXX, XXXX, and XXXX. I explained the situation in my letter and the account was deleted from XXXX and XXXX. XXXX  simply responded the account was verified. I then sent 3 more additional letters to XXXX  explaining situation and informing them that the account was unverified and deleted on my XXXX XX/XX/XXXX and XXXX XX/XX/XXXX credit file and requested that the account be deleted from my XXXX  report. After 3 letters and numerous calls, the account still remains on my XXXX  report. 
I have attached all of the letters I received and the letters that I sent out and the responses I received.
Equifax continues to report incorrect information on a business account, disputed with credit card company directly with no proof of ownership provided. Equifax continues to report incorrect information and when asked how it is validated only boiler plate response.
I had {$5000.00} XXXX Student Loan forgiveness on XXXX process through on my Navient loan, and came to find out later that {$4900.00} of that was applied to principal and {$30.00} was applied to interest, all to the oldest student loans with the lowest interest rate. I called when I realized that and asked that it be applied to the loans with the higher interest rate and asked why {$30.00} was paid in interest and not all to the principal. The representative from Navient could not give me an answer and after repeatedly asking it be changed they hung up on me. I have called since and never been given an answer and it has never changed. I am certain I have been paying way more in interest due to this mistake then need be, and could possibly have my loan paid off by now because of the extra interest I have paid from the forgiveness amount being applied to the lower rate loan and not the higher rate loan.
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have made a report with the FTC identify theft. Enclosed is a copy of the report. XXXX XXXX, Originated from XXXX XXXX XXXX Amount of {$3500.00} Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have filed a FTC identify theft report enclose in my complaint. 
I appreciate your prompt attention to this matter, and await your reply.
On XX/XX/18 I contacted Experian to temporarily lift the security freeze on my credit data. I had put a freeze on my data after the XXXX  data breach. After I answered all of Experians questions correctly, I then received an automated message that I would have to send a letter along with a ridiculous number of personal documents to lift the security freeze. Also, when the creditor did the check on me, Experian told them there was a freeze due to legislation. Experian does not have any customer service options of any kind other than a letter. How is this legal when they are making money off of safeguarding MY data? This is unacceptable. A 2-3 week ( per their recorded message ) turnaround is not reasonable for simple requests of this nature that are time sensitive.
i submitted a payment on XXXX XXXX 2015 for my sons mortgage payment as i do every month and it popped up that i had to pay speed pay cause 10 or more days thats what you have to do his payment is due on the XXXX so i did. then on the XXXX i had a payment go threw my bank and they told me it was denied which it should n't have been so i went on line to my bank and so that my sons mortgage place took XXXX payments out XXXX on the XXXX and XXXX on the XXXX so i called the number for company and told the gentleman by the name of agent # XXXX his name XXXX he told me he could see that i was charged and would have them reinburse me and took down the information and said i would also get back the XXXX dollars i was charged for me to hold on till he put the information in and said it would take XXXX to 6 days i explained to him it had to be as soon as possible or my bills would bounce they can take in XXXX they should put back in XXXX he said he had it ready for approval and would put rush on it. i gave them till the XXXX and called and got a XXXX and she said she would have someone contact me. i called on the XXXX and got XXXX agent # XXXX and she would not let me speak with a manager and hung up on me. I called again on the after she hung up on me and got her again and she finally after a few words connected me to a supervisor named XXXX agentXXXX i spoke with her and explained the sittuation and she looked up and said she saw XXXX had put payment in to be reversed and then asked me to send her my bank statement showing they took the XXXX payments and she would get back to me on monday the XXXX and took my number and i did not hear from her by XXXX so i called and got XXXX agent XXXX and had a fight with her over speaking to supervisor XXXX and refused to let me speak to her and said someone would get back with me in 24 to 48 hours so i went to my bank to see if they could help get my money back cause they are giving me a run around and looks like they are not going to return me my money and the heck with my bills we are not talking a few dollars but XXXX this is the worse experience i have ever had in my XXXX years of life dealing with any company so i can only hope my bank can help me out and someone should do something with this company to be able to take what they want from a persons bank and then not want to give it back. the name of the company is ocwen loan service mtg and the number I have is XXXX and punch number XXXX or god knows where you will wind up
I was shocked when I reviewed my credit report and found items on my report that are not mine. Creditor : Pinnacle Credit Services Account # : XXXX XXXX I have never had an account with Pinnacle Credit Services or its affliates. I am a victim of identity theft.
I have a 60 day late notice on my credit score from ally financial. I had arranged for a payment to be pushed to the back end of my car loan while starting a new job. I made payments as scheduled in respect to this arrangement. 
This debt was moved- it not late. It should be removed from collections as it dropped my credit score over XXXX points.
After filing over complaints about the way NationStar Mortgage handled a trial mortgage in early 2016, we agreed I would start a new trial mortgage. On XXXX XXXX, 2016 I was mailed a statement with XXXX potential trial payment. I agreed in writing ( as I was instructed ) to the payment of {$550.00}. On XXXX XXXX, 2016, I was sent a different sheet with different options, since the payoff date was in my lifetime on XXXX, I agreed to a different payoff, IN WRITING and mailed it immediately to NationStar. The amount is {$640.00}. On Wednesday, XXXX XXXX, 2016 I tried to call NationStar when I received my statement and it showed my trial payment as {$550.00}. The hours shown to call are up to XXXX ( and I am in the XXXX. ) No one answered the phone in spite of the fact that I called before XXXX. I called four times. I called XXXX XXXX and spoke to XXXX XXXX. He told me I should have called and told them, even though the letter specifically states that I can put the information in writing. Now, he said they have to open a case and send this to a review board. The trial period is in jeopardy because I did exactly what I was supposed to do. XXXX XXXX could not find the second letter for 15 minutes while I was on the phone. He wanted to know why I would even choose the second, higher amount. I told him I wanted to potentially be alive when my house paid off. I 'm XXXX XXXX XXXX. I was told by a woman who dealt with NationStar that it did n't matter what you did, NationStar would find a way to make the trial period not go through even if you did every thing right and I have. I am very concerned at this point. Instead of them contacting me about the mistake they made, I have to call them next week to make sure they fixed their mistake. I am worried once more that they will try to take this house. I have never had so many problems dealing with a mortgage company. XXXX XXXX told me to always just call, never put things in writing. I do n't know how other companies do business, but that makes no sense to me.
CITI MORTGAGE COMPLAINT : Today my broker and i were on a XXXX call with a " manager '' who states her name is " XXXX '' XXXX REFUSED to provide her last name. I was informed that Citi will not submit a foreclosure sale postponement request even after XXXX told them to put XXXX in. Citi also now claims that the file was incomplete which is contrary to numerous calls and emails stating that all documents were in we were only waiting for the Appraisal and BPO. All our documents have been in for over 45 days after repeated faxes and emails with duplicate documents. Not only did I send Citi the documents but I also sent them to the attorney as they requested them as well. Back in XXXX all the documents were confirmed in and the issue was then the file was stuck in a special legal department and had to be released. It has always been some excuse as to while the file was not moving. Then in XXXX a guy named XXXX was holding up the file and could not see any values in the system and informed us I never let anyone in for the request. I gave Citi the appraisers name and BPO agents name of who came then two weeks later they confirmed that the values were completed they just lost them. How do you lose values? I was informed that they reached out to the department in charge of validating the values and that would take another 10 days. Then I was informed early XXXX by both the rep XXXX and again last week by XXXX that these files are sitting awaiting assignment which is taking abnormally long considering the short staff. We were also informed weeks ago that Citi was putting in a request to postpone the sale which never happened. 
Im really a loss for this behavior. I would be fired if I lied and treated customers like Citi is routinely conducting themselves. I have been nothing but very accommodating to them during the unfortunate time in my life and separation from my wife. XXXX of us are always very accommodating to Citi for access of our property. Can you please call someone that is in the position to investigate what is going on with this short sale department? Someone needs to find out why Citi is accepting XXXX assets if in fact they do not have the staff to properly work the files. It is unacceptable to to place these files in jeopardy of foreclosure and be unwilling to even send the attorney a request to postpone. The attorney office has emailed my broker daily ; since Thursday, looking for the request so I know they are more than willing to ask the Judge to postpone the sale. 
I would love someone to pull the phone recording and listen to how rude XXXX was. XXXX is a manager? That may explain why those who work for her are unwilling to assist the customers. Something needs to be done! 
On another note, the junior lien holder issued a release for {$6000.00}. The net is about {$23000.00} less than the foreclosure summary judgement. That would mean a deficiency to the us far less than a deficiency if this goes thru the foreclosure process. We are asking that someone look at all the facts here and give us time to properly work the file.
MCM DID IT AGAIN! VIOLATING ALL ACT 'S ... .... 

I FILED CHAPTER XXXX BANKRUPTCY ON XXXX, PETETION XXXX AND A AUTO-MATIC STAY WAS IN EFFECT ONXX/XX/XXXX MCM PULLED MY CREDIT ON XXXX AND XXXX. ( SEE attached ) INVASION OF PRIVACY, CONTEMPT OF COURT ORDER STAY TO CEASE ANY AND ALL ACTIVITIES.
closed the credit card paid in full and after a {$25.00} bill came in and I was never contacted or called on me. After checking my credit score I noticed a drop tremendously I called them and paid the bill in full. I 've tried multiple times to get them to remove it.
Chase card company regarding an XXXX account. I am sure I am not the only person being frauded against. I ordered a book which was somehow placed on a credit card. Only {$50.00} was placed n the card. I returned the book And was only given {$30.00} credit. I did not want the credit card. Returning the item unopened should have resolved the issue. It did not. I ended up months later with a bill up to {$400.00}. How is it I returned the item unopened. And continued to be charged. I want it off my credit. And will work on seeking legal action if need. I have tried to communicate with the company but have been refused to find a solution. I want this off my credit. I don't owe them anything. I told them I didn't want the card. I have one secured card with my bank. That's all I want.
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from wells Fargo untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018
Back in XX/XX/XXXX my mother put XXXX bill in my name I never knew that she did this until XX/XX/XXXX I went to apply for a credit card and was denied due to my credit score I asked for a copy of my credit report this is when I notice that their was a XXXX bill for XXXX I called XXXX  to find out an address of service that was given to me as XXXX XXXX XXXX XXXX XXXX pa XXXX this address belonged to my mother after speaking with XXXX  I also called the collection agency contract callers inc after speaking with the collection agency they mailed me fraud paperwork which I filled out and mailed back with a copy of my photo I'd a dispute letter my lease from where I lived at the time service was opened and my lease from my current landlord also I filed a police report with XXXX police  department incident number XXXX I have been dealing with XXXX  and contract callers back and forth and nothing has been done I did my part I even did a dispute with both XXXX and XXXX  and again nothing has been done all I want is for this to be corrected and taken off my credit report I also want to put out there before my mother passed away XX/XX/XXXX my mother reached out to XXXX and contract callers inc to set up a payment agreement but her payment was denied from XXXX due to the account was already sent to collection agency she then reached out to contact caller inc to talk to them about payment arrangements and they would not speak to her due to she said she was my mother now both XXXX and contract callers inc have her on tape admitting that this account was hers not mine I don't know what to do anymore to me it feels like no one wants to help me get this off my credit report I'm hoping that you can help me