WillisBack/dataset-financial-user-claim huggingface dataset:
Credit Systems International continues to call me multiple times a day from multiple numbers throughout the state of Texas. I have repeatedly asked for verification of said debt in writing, which they claim to have mailed multiple times. To date I have not received any communication other than multiple phone calls from this collector. 

They claim to be representing the City of XXXX, who was my former Electric provider over a year ago. I believe that I left my account in good standing and would like verification of the debt that CSI states that I owe. 

I have asked again via phone for this company to stop calling me. I was provided w/ their mailing address below and plan on sending a cease and desist letter via certified mail until they can validate this debt. I have also requested that they send me a letter via certified mail if they are in fact having issues getting a letter mailed to my address. 

Any help with this is greatly appreciated. The collector is more concerned with how I plan on " handling the debt '' instead of helping me verify that this is a legitimate collection. I will not be making a payment until the debt is verified in writing. 

Credit Systems XXXX XXXX, TX XXXX
Around XX/XX/XXXX my wife and I lost all our income except Social Security. A consulting company I worked for lost a client I was handling..This was a $ XXXX. a month loss in our income. Prior to that my credit score was XXXX. That was the first time my Mortgage payment was ever late. Also prior to that time we lost about {$700000.00}. in a XXXX Scam .The principal is currently in jail and all our cushion was gone, this was XX/XX/XXXX. In that amount was % XXXX in my wife 's pension money he was managing. During this same time my wife was diagnosed with XXXX. 
We have lived in this home from XX/XX/XXXX and would like to save it. My servicer is SPS Inc.. I have some XXXX '' of paperwork they keep asking for the same thing over and over again.. We literally had not enough money to live on. As proud as I was I went for fuel help and food assistance. Now I have a full time job in the city I live in and we have combined income of about XXXX a month. Again I have asked SPS for help in Mortgage assistance and now they tell me while they review another set of documents the are going to begin the process taking my home. My credit score is up to XXXX from a low of XXXX. I have made my mortgage payment for the past 6 months of XXXX per month and have set up payment programs to get my head above water. The rate of interest is 6.375 % if they lowered the rate It would all help. That interest is in the XXXX the rate on the XXXX is XXXX and yet the first and second add a late fee each month. The value of my single family home is {$370000.00} and I have a XXXX balance of {$160000.00} including the arrears and a XXXX mtg. of XXXX thats a XXXX % ratio. Why ca n't they help me. I have now been working full time from XXXX XXXX for the City of XXXX. Plus I am on Boards that through off additional Income. I could have filed bankrupt and wiped all the unsecured debt out but instead I hoped to struggle a bit and move on. Please help. SPS has only continued to cost me money in tile and more paperwork than I feel they really needed. I worked as a Senior Mortgage officer for over 20 years and if I on anyone working for me treated our customer like this they would have been fired by me.
The collection agency ( Penn Credit Corporation ) is trying to collect an old debt from XXXX The account was closed in XX/XX/XXXX. They haven't mailed me any information bout this debt which the " STATUE OF LIMITATIONS '' on the account has " expire '' in the state of XXXX, they also have on my credit report that the account was active until XX/XX/XXXX and Closed in XX/XX/XXXX I haven't live in XXXX in years because of a Domestic situation and had to relocate the original agency ( XXXX ) knows this is an old debt and didn't send me any documents regarding an options of this matter and I want it taking off
i have a loan from a payday co. i had requested my bank to stop ach payment each mo as i have that debt added to my debt releif program. my bank told me that to stop the deduction from my bank acct i pay a fee so that was done then i also cancelled my atm card as the co had my card number as well. they still debited my acct by submiting a check they generated. my acct is now closed. im a vet my primary income deposited into my acct was from va benifits. i also emailed this co and told them i did not authorize any more deductions but it still was done.
I took out a title loan in XXXX 2014 for {$5700.00}. I asked that night of signing the contract how the payoff process works and was told to just " pay off as much as you can ''. I was unsure of the principal balance and payoff balance but they insisted that it was the same. There was no explanation. I 've asked for a settlement after paying over {$7000.00} to them already and I 've lost my job and can not work right now due to medical reasons. I 'm considering bankruptcy if loanmart does not offer a settlement offer I can afford. I got the vehicle appraised for {$2000.00} and showed them the paperwork and pictures but they still refused and want {$4000.00}. I 've filed a complaint through the XXXX as well and their response was that they would be willing to negotiate the settlement offer of {$4000.00} or lower my interest. I can not afford to continue to make monthly payments so I refused the lower interest option. They stated in their response that they would negotiate the {$4000.00} but whenever I call the number they list, I 'm refused a negotiation and say they will not go lower than {$4000.00}. Why does loanmart state in their public response that they will negotiate the offer but in reality when I call they become rude and unwilling to negotiate. I spoke with multiple supervisors and the manager will not return your call for months unless you call them and demand them to speak with manager. They even wrote on their XXXX repsonse that I refused to leave the manager a voicemail once, but they did n't mention the fact that I had already left the manager a message multiple times before with no repsonse, that 's why I refused to leave ANOTHER pointless message. I also spoke with my account manager XXXX regarding my debt owed on XXXX XXXX, and he became very rude and started threatening me that even if I filed for bankruptcy, they will still come after me for the balance I owed and rudely hung up on me after further stating that he was going to proceed with legal matters. This information he gave me is false, I spoke with my bankruptcy lawyer already and he said XXXX is not allowed to threaten me regarding the debt I owed in this manner. I 've already gone through the XXXX and loanmart responds with false actions. I want to settle my loan with them honestly but am being lied to and treated unfairly through this process. I feel like I was led into a trap by signing this loan with unclear explanations and now can not escape this loan. I 've raised my settlement offer to {$3000.00} by borrowing money from family but that is the most I can borrow for this settlement but loanmart still wants more. My credit is already ruined and I do n't know what loanmart wants me to do.
XXXX was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector Commonwealth Financial refuses to remove debt from credit report.
I looked on Equifax website to discover I was probably affected by Security Breach in 2017. Trying to reassure myself Equifax might be worthy of protecting me with its free offer I read as much as I could about the offer. I called the number offered for learning about insurance offered as part of XXXX XXXX credit monitoring product. Unable to get any information about the insurance product offered : what it actually does cover.
I was home when a mortage company calll me.and asked me about refinancial my home and I told him .not right now in a month of soon. new american funding mortage company. 
phone number XXXX his name is XXXX .HE TOLD ME NO PROBLEM.HE WAS CALL ME BACK NEXT .AND WHEN I CHECKED MY CREDIT SCORE HE HAD DID A HARD INQUIRY ON MY CREDIT. i GAVE HIM NO AURHTORIZED TO XXXX.THAT IS FRAUD.PLEASE HELP ME WITH THIS NEW AMERICAN XX/XX/XXXX XX/XX/XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX See something wrong? 
Find out how to dispute a hard inquiry
I HAVE APPLIED FOR A HARDSHIP ASSISTANCE WITH MY SERVICER BANK OF AMERICA AND THEY HAVE DENIED ME STATING THAT THERE IS NO HARDSHIP. MY INVESTOR IS XXXX AND I HAVE GONE TO THEIR WEBSITE TO VIEW REASONS FOR HARDSHIP AND THE GUIDELINES TO SEE IF I CAN APPLY AND IT CLEARLY STATES INCOME REDUC : " Eligibility You may be able to modify your home loan under one of the programs we offer if all of the following apply : You 're experiencing a financial hardship, such as a reduction in income or an increase in your mortgage payment '' I HAVE APPLIED AND WAS DENIED DUE TO NO HARDSHIP, I REAPPLIED BECAUSE THAT IS NOT TRUE AND THE UNDERWRITER STATED THAT THEY WILL NOT REVIEW MY FILE BECAUSE I HAVE NO HARDSHIP. FIRST OF ALL BANK OF AMERICA IS ONLY MY SERVICER NOT MY INVESTOR, WHO DO THEY THINK THEY ARE TO TELL ME WHAT MY INVESTOR WILL OR WILL NOT DUE. SECOND MY INCOME IN XX/XX/XXXX WAS {$XXXX} " TAXES PROVIDED AS PROOF '' AND MY INCOME FOR XX/XX/XXXX WAS {$XXXX} " PROVIDED XXXX AS PROOF ''. IT IS AS CLEAR AS DAY THAT MY INCOME HAS DECREASED {$XXXX} FOR THE YEAR. THAT IS PROOF I AM EXPERIENCING A FINANCIAL HARDSHIP. HOW DARE BANK OF AMERICA TRY TO VICTIMIZE ME FOR ANY REASON, I WILL NOT GO DOWN QUIETLY AND LET BANK OF AMERICA BREAK LAWS.
I consolidated my student loans into one loan over 10 years ago through XXXX. XXXX reported my consolidated loan to all the credit reporting agencies as one loan. 

XXXX acquired my loan from XXXX around XXXX-XXXX-18. I recently applied for a home mortgage and was surprised to find that XXXX is reporting my consolidated loan to all credit reporting agencies as two separate loans even though my consolidated loan is under one account number with XXXX. XXXX has both loans under one account number, XXXX. I make one payment. 

I contacted XXXX many times requesting that they report my consolidated loan as one loan. They are refusing to do that. They also are refusing to tell me they policy or law explaining why and are refusing to send me an explanation in writing. 

By reporting my consolidated loan as two loans my credit scores have suffered and it has had a negative impact on my credit and almost prevented me form acquiring a home mortgage.
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I submitted disputes to XXXX - XXXX XXXX and Experian - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!
Background : After several violations of the law employed by XXXX XXXX XXXX   contracted for hire by XXXX XXXX XXXX University, XXXX continues to work around fair collection violations laws by jumping from agency to agency to keep the infliction of purposeful pain going with no desire to resolve my case. XXXX now swithced to Reliant Capital Solutions from Ohio with no intent to validate debt or settle my case.

I have a document showing XXXX refused to discuss and settle and very unreasonable and not working in good faith. Reliant must not allow XXXX to use them to entertain their goal of inflicting pain with no intent to resolve my case.

Highlight of issue : First, the SOL is over. The correct venue for this case in in NH as per XXXX XXXX  own ask for arbition rights. They can not have it both ways and now flip to my state casue they do not like NH 's. The claim dates back toXX/XX/XXXX.

Reliant Capital Solutions called onXX/XX/XXXX at XXXX XXXX VIA called ID XXXX  from XXXX, Alabama. XXXX XXXX   asked for XXXX XXXX. I asked who was calling. He stated, " My name is XXXX  from with XXXX  representing XXXX You owe {$2400.00}, and I need to confirm some information. '' He never told me he was attempting to collect a debt, I was being recorded, or anything used can be used.

I thought representation was an arbitration company from XXXX given a very long dispute over XXXX XXXX  claim and services of collector XXXX XXXX XXXX all many years. I stated, " the debt is not valid. I do not owe them any money. I explained my story because I was not aware he was from a collection agency until I was talking to him. Then, the phone number I called to call back was their main line in Ohio, yet the caller 's phone was from a different state and city. In the end, the caller was reached via their corporate number but he tricked me using a noncompany number.

After he listened, He directed me to call XXXX to validate the debt, so XXXX  referred me back to them all within the hour ( the two were working together ).

I was provided a reliant supervisor E-mail to contact as I offered to settle the case for less than their claimed amount of {$2400.00}. No response yet.

XXXX XXXX XXXX is using abusive tactics via collection agencies, and the collection agencies are consistently not being held accountable for violations of the law. Therefore, I exercise my right for legal action and fines again present, former collection agencies in this case and now XXXX  who knows abuse the abuse and letting the collection take to blame for violations of the law. The tactics of this agency, the others, and XXXX  is intended to inflict harm as long as possible with NOT intent to close this out. I offered to settle multiple times, yet they keep saying they my credit report will be impacted.
My Discover Credit Card was hacked in XX/XX/XXXX because XXXX  stores were hacked and all their clientele 's personal information was taken. I did not realize that my cards had been hacked until XXXX/XX/XX/XXXX. I disputed the charges to my 3 credit cards that I had the XXXX hacked charges. Two of the credit cards refunded my money and Discover refused to refund me what they owed me from that hacking : {$3400.00}. In their estimation, there were just 7 XXXX charges and they felt that those charges were real that I was responsible for them. There were 21 hacked charges not 7. Normally they would call me when there was a constant charge coming from the same place but they never did and they continued paying off those XXXX charges until XX/XX/XXXX. I put in the dispute against the 21 charges and asked them to send me a copy of each charge with signatures. They kept sending me 7 - 9 of the signed charges over and over again and wouldn't send me the 21 signatures. At one point they were going to refund me {$1700.00} until they suddenly took that away and decided, without my approval or authorization to close my case, which they did in XX/XX/XXXX and found that out in XX/XX/XXXX that the case had been closed and that they couldn't do anything for me because I was responsible for all those charges!!! I spoke to someone in the Dispute Office and they told he told me that he would look into it and open it back up for me. Never heard from him and I kept calling asking them what had been done with my dispute. I put in a dispute with the Office of Consumer Affairs in Illinois with XXXX XXXX : XXXX, DE ; XXXX DE ; and again with XXXX XXXX in Illinois because it seems that Discover Card are in so many states that I was being shuffled around from one state/office to another. Charges on my Discover Card from XXXX paid cards that was supposed to be shut off : XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,1XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX: XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
I tried to get a copy of all those signatures from XXXX but they informed me that they don't keep receipts. How Discover ever got those 7 signatures and could not get the rest of the 14 signatures is beyond me and truly puzzling.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. To date I have receive no notification from Equifax that my personal information was mishandled. According to new reports, Equifax discovered this breach 6 weeks ago and made no effort to inform their customers or the public of this hack. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. As a result, I will have to bear the burden of this risk for many years to come. 

They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. So far I have had to pay {$10.00} each to XXXX and Equifax to apply a credit freeze to my records - an immediate cost to this consumer as a direct result of how poorly Equifax protected my personal information! It 's pretty clear that Equifax has learned that they can make money no matter what because no law or agency is looking out for me.
I have been a customer of PNC bank since XX/XX/XXXX, when it acquired XXXX bank ( which I had been a customer of since XX/XX/XXXX ). Recently, PNC changed the terms of my checking account without adequate notice. One day last month I noticed an {$11.00} fee assessed to my account. I used PNC 's online messaging system to request a refund, which was granted. I also chatted with their online service to try to figure out why I was assessed the fee and how I could avoid it going forward. The terms were n't quite clear to me so I went into a local branch to discuss with a banker in person. Even the banker was a bit confused as to what was required to avoid the fee ( apparently I have an old account which they do n't even offer anymore ), but he told me that I either needed keep an average balance of {$1000.00} per month OR I needed to both receive a direct deposit AND pay a bill using their billpay service each month. I do already receive direct-deposit twice a month at least and then I signed up that very same day to pay a bill using their billpay. However, I was assessed an {$11.00} fee again this month. I contacted my banker to ask for a refund and was told that my bill-payment was made 1 day outside the window of my bank statement and that it could not be refunded. I explained to him that the terms had been unclear and it seemed unfair that, although I did jump through the bank 's hoops and do what was required, I was still assessed this fee. And by the way, I had not been made aware of when the bill payment needed to be completed by, so the fee seems unreasonable. The bank 's tactics have been confusing and deceitful. I wonder how many other customers they are doing this to ... and how can they change the terms of my account without adequate notice? Thank you in advance for your time and your assistance.
They keep calling it is a credit management service they call three time a day I did get one of the mans name it was XXXX XXXX. They are calling for XXXX XXXX XXXX XXXX XXXX, Cal. XXXX. The call is routed through XXXX .. now they have changed phone numbers and that have a women calling. We have cut off our answering machine on account of them. Is there anything we can do. We have never used these people we have very good credit.
4 XXXX  ON CREDIT REPORT INACCURATE INFORMATION FTC AND CRA VIOLATIONS
I am questioning the way Citi calculate the revolving balance. I did not make a full payment in XX/XX/XXXX XXXX actually I made a payment a little less than the statement balance way before the due, but forgot to pay the rest part because there is no reminder from citi telling me i had a remaining balance ). So they charged an interest on me. Then in XX/XX/XXXX after the new statement came out I made full payment but Citi still charged interest on my account which i totally do n't understand. I called them. The customer service said once you have revolving balance, interest will be charged until the 2nd billing cycle even if I paid off the balance, which sounds quite ridiculous. I asked for waiving the interest charge which my other credit card company like XXXX and XXXX allows, but got refused by Citi. I do n't know how the balance was calculated and I was never told before this call. Just want users to be careful when using Citi 's card. Their rules are not clear to you until you got hurt.
Quicken loans went up on my mortgage payment from {$680.00} to {$860.00} due to taxes and insurance escrow account. Is n't there a certain percentage that they can do this. This seems very unfair. This is a {$170.00} increase. I was already struggling to pay the XXXX due to income loss. I feel like they should have made increases amounts over a certain period of time. I am not happy to get an increase after refinancing with them XXXX
I have sent this collection agency multiple letters via certified mail and they have never responded or provided any proof of the alleged debt they are reporting on my credit reports. I do not agree with the amount of the debt owed and i have asked them for an itemized bill of particulars so i could determine how they got to the amount they allege owed. They have violated 15 USC 1692 FDCPA and 1681 XXXX FCRA. A data furnisher is required to respond to a dispute within 30 days of receiving a dispute. I have sent XXXX letters certified mail and they have never responded. They are also in violation of the CFPB consent order against them from last XXXX 2015.
Im a victim of identity thieves someone got my information and opened up accounts in my name this was removed from my report before and now its back under a different company name this is on believable they keep calling me and I explain to them that Im a victim of identity thief and they said they was gon na close the case but never did
XXXX XXXX XXXX XXXX XXXX . Account- XXXX. They are reporting that I owe {$10000.00} since XX/XX/2016. They are reporting false information on my credit report to all 3 major bureaus including 3rd party credit reports. They are harassing me and ruining my credit with false and inaccurate information. Please CFPB, help do a thorough investigation with these people. Its really overwhelming when they are trying to steal money from good people. The 3 major bureaus are not doing a thorough investigation which they are illegally  sending out false information back to me. Please have them remove this item away into their pockets. Thank you