WillisBack/dataset-financial-user-claim huggingface dataset:
In the beginning of XX/XX/XXXX I received a letter from XXXX XXXX, a debt collection company for three separate medical debts originating from XXXX XXXX XXXX. The letter sent to me, by XXXX XXXX was dated XX/XX/XXXX. To my knowledge these accounts had previously been resolved by insurance with XXXX XXXX XXXX, if they were not covered by insurance I never received a phone call or a letter indicating that I had an outstanding balance. This is the first Ive heard of these debts that are supposedly from the years XX/XX/XXXX and XX/XX/XXXX. When I contacted the XXXX XXXX  they stated that they received these debts on XX/XX/XXXX and I had 30-45 days to set up resolution with them before they reported the debts to the credit reporting agencies. Mid XX/XX/XXXX I sent XXXX XXXXCarpio Partners LLC a debt validation letter, to which they state they never received. After contacting them twice to see if they have received the letter, which they had not I decided to set up resolution. I will be closing on a mortgage in the beginning of XX/XX/XXXX and can not afford to lose my home to an unverified debt being placed on my credit report. After being assured this debt has not been sent to the credit reporting agencies yet but will be any day now, I paid XXXX XXXX a down payment of {$850.00} today XX/XX/XXXX, and set up a {$25.00} a month payment plan in fear of this debt being placed on my credit report. Paying the {$850.00} has put me in a hardship with my other bills, all while not knowing if this was a valid debt or not.
I have a contract with safe touch. My records confirm the 3year contract with the company. The bill was forwarded to the collection agency XXXX. I spoke with a rep regarding the balance and advised her of the disputing information. She advise me otherwards and outright told me to pay the debt. I advised her that I needed validation of this debt. she went on and finaly hung up in my face. I then called back and asked to speak with a manager. A woman named XXXX XXXX falsley represented her self as a manager and placed male on the line that failed to confirm that he was a member of management. The call was then transferred over to XXXX XXXX whom automatically came off unprofessional. XXXX XXXX hung up the phone in my face after saying lets take this to court when trying to speak to him about the issue. In 8 attempts in calling back for help in obtaining the validation of debt they continued to hang up in my face. A rep finally picked up the phone and then transferred me to XXXX XXXX again and XXXX XXXX continued to prevent me from speaking to resolve the problem. After two other times in call and him hanging up in my face, he then stayed on the line only silent enough to give him the dates of my contract. XXXX XXXX then placed me on hold to finally pull up the contract confirming the dates. He then went on to tell me the last date in XXXX of 2016 I was past due. I attempted to advise him that the account was always paid ahead prior to the last payment that took the account out to either XXXX or XXXX without needing another payment. However continued to accuse me and of other things in which was untrue to the point where I couldnt take anymore. This company as well as XXXX has shown no signs of resolving this dispute. If the account was showing accurately arrangements would have been made, since this has been erroneously reported out to the credit agencies for my other creditors to see in which it will impact my annual review.
After working so hard building my credits history throughout the years. I have some of my pay off credits account closed by creditors, due to the accounts not being active, without my consent. 
Due to the creditors closing my accounts that have been paid off in full, I the consumer will lose all the payment history and credits records. I want to know what are my options in this case as a Consumer? 
Due to long term of unemployment or being underpay, its became harder and harder for me as a consumer to keep up with my regular monthly payments. By doing so, I am going to find myself into the following issues : Without having a job and paying my landers I will be sued by creditors, Banks, and negative information will be reported to the credit bureau. And If I am a renter I will be evicted from my apartment. And If I am a home owner, I will lose my home and facing the harassments from the banks and going into foreclosure. 
I the consumer will have a harder time to buy, rent, or get an approval for a new credit cards in future due to negative reports. In America we can pay our Monthly bills only if we are working. Since XX/XX/2008, Most us In the United States of America, have no jobs, or we are working but underpay. 
So, My question is Do we need credits reports to be better citizens in this country? 
If so, Why the consumers, are the victims on borrowing, being scams, and poor credits rating. Despites of paying your bills in past?
This number called me and knew my credit score and limit. 
XXXX They asked me to read out loud my credit card number. As I declined, they hung up. Please catch these scanners!
I write in reference to the credit Collector : United Accounts , Inc. 
XXXX XXXX ND XXXX I moved out of an apartment ( apt ) building on XX/XX/XXXX, without owing any money to the apt company ( XXXX ). My apartment was checked out by the then apt manager and according to him, everything was ok. 
I moved out before the end of my lease but I was granted permission from the then manager. He told me it was OK for me to move out and he found a tenant to take over my lease and I also gave him my 2 months notice as requested. After I moved out, the apt manager stopped working for the apt company and a new manager took over from him. Between the old and the new manager, there was no transition and no correct exchange of documents so the new manager billed me {$1700.00} because according to him, he was not briefed by the old manager that he was aware of me moving out and he gave me the permission to move out. 

After a year, I received a letter from the debt collector, United Accounts Inc ( UAI ). I immediately wrote back to them disputing the debt. I have submitted sufficient documents to prove that I did not violate the terms of agreement per my rent lease and I had permission from my apartment manager to move out of the apartment. I have submitted all documents to prove that the original debtor ( XXXX ) is wrongfully charging me but still, the debt collector ( UAI ) does not want to drop the charges due to the fact that they want a commission on the alleged debt because that is how they pay themselves. I even sent them ( UAI & XXXX ) 3 pages of text message exchanged between myself and the old manager during the time he gave me permission to move out of the apt . The text messages show all the conversations I had with the old manager including evidence showing that he received my 2 months notce, he giving me permission to move out of the apt and he saying he has found new tenants to take over my lease. The messages also show evidence of him checking me out of the apt . All these evidence is submitted to the credit collector to prove to them that I do not owe any money because I left legitimately without owing any money. However, the debt collector and the original debtor does not want to remove the debt account because I went online and gave them a bad review and so, this is their own way of " punishing '' me. They have reported the debt on my credit report and now, my credit score is messed up. I have always had an excellent credit score of XXXX but due to this debt account, my credit score is currently XXXX. I was in the process of securing a mortgage and because of this, I 've been denied and my credit cards limits have been reduced drastically.
XXXX XXXX XXXX XXXX charges excessive interest fees. I paid an interest fee of XXXX dollars for a purchase as a late fee in XXXX. I had no balance and made no purchases to the month of XXXX. I was charged XXXX for an interest charge on no purchase and no balance. When I called customer service I was told that the interest charge was for the past month as the interest was calculated from the last month. I did not really know what this meant. This makes no sense and the billing makes no sense. I have several charge accounts and have never heard of anything like this. It seems like a gimmick to collect extra money for nothing. I spoke to customer service and the rep tried to explain the charge to me. It still make no sense. The interest charges are calculated to be paid twice as I understand it. Nonsensical again. It is not the amount that matters but this policy is clearly fraud. You ca n't charge interest twice as this store is doing. I had no purchase and no balance.
I was forced into making a payment arrangement with M & T Bank when they knew my situation and they made it worse by returning my XXXX payment and making me enter into an agreement that they know I can't meet because I'm on a fixed income and I'm paid on the XX/XX/XXXX of every month. The arrangement they forced me into is a payment of {$490.00} on the XX/XX/XXXX of the month. I get paid on the XX/XX/XXXX of the month, how can I make payments on the XX/XX/XXXX? The original contract is for {$400.00} monthly. I should receive my lump sum check by XXXX or XXXX.
I contacted XXXX XXXX On XX/XX/XXXX after seeing an outstanding balance on my credit report. After paying in full I was told that the item would be deleted. It still appears on my report today and I have requested multiple times that it be removed as soon as possible.
CITIFINANCIAL HAS PLACED DEBTOR BLAME ON ME FROM AN ACCOUNT APPARENLTY OPEND LAST DECADE. I HAVE NO KNOLEDGE AOF ANY ACCOUNT WITH CITIFANCIAL. I HAVE TRIED TO TO GET THEM TO REMOVE ANY REFERNCES TO ME WITH THIS ACCOUNT BUT THEY REFUSED. EVEN XXXX COLLECTION AGENCY CLEARED ME OF ANY DEBT ; YET CITIFIANCIAL CHOOSES TO OVERRULE. I JUST WANT THE DEBT REMOVED FROM BY CREDIT PROFILE.
On a purchase made from a company in XXXX, Citi visa charged a " Foreign Transaction Fee '' of XXXX % and an additional increase of XXXX % in interest rate. I was not notified of these charges and learned only when they showed up on my bill. Neither was the increase in interest rate disclosed.
I got a wells fargo credit card and the contract has a false advertisement or confuse about a insurance cellphone
I paid my monthly mortgage payment to PennyMac on time. They applied the entire amount to a one-time principal paydown instead of my monthly payment. My next statement showed late fees and that my loan was in arrears. I made at least two calls to their customer service center to clear up their mistake. I then got another letter from PennyMac stating that my loan was not current. 

I requested and was promised a call from a supervisor, which never occurred. I also requested and was initially denied a written communication from PennyMac stating that : a ) the error had been corrected ; b ) my loan was in fact current ; and c ) my credit rating had not been affected. 

Since I have neither received a call from a PennyMac supervisor nor a written communication, I am contacting CFPB to ensure that my credit rating is not impacted.
I recived XXXX separate collection agency letters from the same company regarding the same account with XXXX separate balances. I feel this is a thwarted attempt by a company to collect multiple times on the same account for a debt that was written off in which I requested validation of the debt from the original creditor as well as an agreement with my signature binding me to the alleged debt.
Company pulled my credit continuous during the month of XX/XX/2017 without my authorization. 

Dates are below XX/XX/XXXX XX/XX/XXXX Due to this company and a few others, I have placed an extended fraud alert on my credit, however, this company refuses to remove the inquiries after several requests and notification of possible fraud.
XX/XX/XXXX my car was stolen, in my car I had my check book. Whoever stole my car also wrote bad checks out of that account. I reported this incident with XXXX at that time. The manager of the branch told me everything was taken care of and the account would be closed with out a problem. In XX/XX/XXXX I got served with legal papers saying that I owed that balance plus legal fees. At that time I wanted that problem to go away so I agree to make payments. A few weeks later I lost that job and was unemployed for years. Now I received a garnishment notice directly in my mail. The last time I made a payment was in XX/XX/XXXX. For what I understood there was a statue of limitation that protected me against being garnished at this point. The other reason I 'm filing a complaint is because the garnishment is already in process but I was never physically served paper or contacted to agree of the debt. I do n't think it 's fair to have to pay all the attorney fees for a balance that should n't even be owed in the first place. It took years after the incident with XXXX until I found out of the mess it caused. At the time the branch where I went to submit my proof of fraud was already closed.
I filed for an income based repayment plan and every time i called they would say they needed something else and putting the account back in forebarence. When i finally argued with them in XX/XX/XXXX they said it was approved but never gave me the new payment. They put the account back in forebarence without my permission. When i finally saw my payment in XX/XX/XXXX it was the same payment i told them i could not afford in XX/XX/XXXX. Now what do i do?
On XX/XX/2018, my mortgage loan with Habitat for Humanity was transferred to a new loan servicer XXXX XXXX XXXX XXXX XXXX, XXXX. I was unaware of a loan service transfer. I made contact with several entities to assist with foreclosure prevention. There are 12 of us impacted by this loan servicing transfer to a non-registered mortgage servicer. My loan with habitat was not supposed to be transferred to a non-regulated loan servicer. My original mortgage servicer Habitat for Humanity requested to buy back my loans as it was sold in error to a non-regulated mortgage servicer. I need your help in keeping my home and get them alone sent back to my original mortgage servicer. I was not notified 15 days prior to the sale of the mortgage that there will be a loan transfer. 
Please help me keep my home.
My grandmother reported to me on XX/XX/XXXX that AmSher attempted to tell her about a debt that resulted from cancelled services from XXXX. This collection agency does not authorize to contact my grandmother especially when they have my update phone number and address on file. In addition, they stated they got the number from somewhere and could explain where they got it from. Therefore, my information was solicited. They need to contact and forward all request to my new address and phone. I contacted on XX/XX/XXXXat XXXX with the updated information.
I requested Experian to conduct an investigation on a XXXX XXXX XXXX account that appears in my credit file. I disputed the account as not mine. It is my belief that Experian did not conduct its investigation as required under 1681s-2 ( b ) of the FCRA. 
See : XXXX I am demanding that Experian provides to me the method and/or account-level documentation submitted by the furnisher of the alleged account used to verify it as my account.
I requested a replacement card with Continental Finance ( Matrix Card ) in XXXX 2016, and updated my address. I never received the card in question and due to being unable to login to my account ( it is linked to the card directly, and locks if you 've requested a new card ). I called to make payments and request the card AGAIN, and was sometimes met with a " it is late ''. So I would make my account " current '' and request the card again, leading me to believe that I was paying and would not owe until the next month. Fast forward through months of this rinse repeat cycle to today, ( sometimes they waive the late fee, other times not ), and I find out that making my account current does not include the current amount due. While it is beyond me as to why " making my account current '' would n't include the current months payment. After being transferred, the supervisor proceeds to advise me that to send my card, I must make a payment that includes the next payment ( meaning the next due ) and that is how I would receive my card. So I pay ahead, in fact I just paid above and beyond the amount due in order to secure my card. The turmoil and headache of their login system coupled with the inability of the employees to resolve an issue to fruition causes their clients undue stress and financial burden. The FACT that it took over 3 months to attempt to resolve an issue that their client had already given all the necessary information and tools to resolve is insanity. This particular instance is not a closed case as of yet, due to the card not being received. If it is not received, after making the account paid to a true current balance, the cycle will continue, Continental Finance will continue to charge fees they should n't. I would consider this fraudulent activity on behalf of the creditor as several actions were taken and the consumer did everything in their power to resolve the issue, while the creditor continuously misled the consumer in order to accrue fees.
In XXXX, I submitted a REPAYE plan application. On XX/XX/XXXX, I was issued an administrative forbearance, so I would not be billed before my new plan took effect. The forbearance ceased on XX/XX/XXXX, I was billed a full payment of {$820.00} on XX/XX/XXXX, and my plan went into effect on XX/XX/XXXX. Two weeks later, I received a past due notice. I contacted FedLoan Servicing, the representative acknowledged their administrative mistake, and moved the payment to the back of my loan. Recently, after responding to an alert from a credit monitoring bureau, I discovered that the payment that was supposed to have been moved to the back of my loan has been marked delinquent for the last six months. This is completely unacceptable.
I received a collection letter on XXXX XXXX XXXX from Stellar Recovery INC stating that I XXXX to XXXX. I did not receive notice of the right to dispute. I am buying a home and it hit my credit which now has prevented me from buying. I have had the same phone number for three years and when I called and talked to Stellar I spoke with XXXX individuals there. I have the conversation recorded. Both of whom told me that they were not obligated to send out a validation of debt letter. I have not used XXXX XXXX for over 4 years. Had I known that I even owed the debt I would have just paid it but I had no opportunity to even have that option. It hit my credit in XXXX XXXX and then I got the letter stating I owed them money in XXXX XXXX.
I have a Man coming to my house saying they are going to have me arrested if I do n't pay so much to them on a loan from Security Finance Company of Tennessee. I am Filing Bankruptcy with XXXX XXXX Attorney of Law in XXXX.
On or about XX/XX/XXXX, I called us bank platinum card, and requested a deferred payment, because I was affected by a natural disaster " Hurricane XXXX ''. I was granted a two month deferred payment, my payment is due on the XXXX of each month I was assured that I did not have to make a payment until XX/XX/XXXX. On XX/XX/XXXX I received a call from us bank collection stating that I was two months behind in my payments and they were calling me for a payment I inform the collector of my arrangement with us bank and offered to provide conformations numbers XXXX and XXXX XXXX, the collector said she did not have any idea what I was talking about, and refused to take the conformation numbers. So I informed the collector that I would be making a payment on XX/XX/XXXX. I made a payment of {$520.00} us bank charged me {$260.00} dollars for XX/XX/XXXX and XX/XX/XXXX the did not grant me a deferred payment as agreed to.us bank reported false information to the credit bureau stating that I was 30 days late, and closed my account, without informing me taking $ XXXXdollars worth of credit from me and dropping my credit score XXXX points.
yes bank of America has been taking fees of XXXX dollars out of my account XXXX because they stated I no longer had a mortgage with them but then they lied to my wife who is on doctors order XXXX  as she is taking XXXX and I am XXXX XXXX XXXX due to the fact she had to go on XXXX they falsely charged us over XXXX in fees for maintenence after we refinanced but still have other accounts with them credit card and other checkings. I tried to resolve this with them several times and there excuse is they can go back only three months. My wife is a XXXX  her XXXX is not good and her XXXX treatments.
Bureau Name : SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Original Lender : XXXX Date Reported XX/XX/2018 Age of Account 2 year 4 months Balance {$340.00} I have never had any utility, cable or internet source of any kind with XXXX in the past, I currently am an authorized user on my husbands XXXX account in which is current and up to date, I am not sure what this account is, but Southwest Credit Systems refuses to work with me on removing this from my credit.
I received a call from a man identifying himself as XXXX XXXX. In the voicemail message he said he was calling from API. However in the next message he said it was Regency One XXXX. I did return the call once he wanted me to verify some information. Then he says well have " they '' contacted you. I asked who is " they '' and he said well I 'll tell you that later. Then he asked again, have " they '' sent a letter. Since I refused to respond anymore without know who " they '' were he told me it was XXXX XXXX XXXX. Then he states that his company is looking to forcibly collect a debt and will do so be either wage garnishment or placing a lien on my current vehicle.When I asked how would you place a lien on a vehicle that has nothing to do with this company or this debt he said well I do n't know m'am but they are looking to forcibly collect this debt. I explained to him that I would then contact the company directly and discuss this debt with them at which point he states that 's not going to work and that I have to pay them. I politely got off the phone. I did attempt to email the company he spoke about but as of right now I have n't gotten a response. He also contacted my mothers home and asked to speak to her. He would not provide any further information about his company ( i.e. contact/mailing info etc. ) And I 've attempted to find information on my own and have come up with 2 possible addresses and 3 phone numbers
XX/XX/2016, Transunion had deleted XXXX inquiries off of my credit report ( XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX via XXXX ). I just looked at a recent copy of my report and these XXXX inquiries have been reinserted. I was never given notice as per the law that they were reinserted. I tried calling, but no one would help me.