WillisBack/dataset-financial-user-claim huggingface dataset:
ASG Sollutions called my husband ( first  time ) and said that on Friday he is going to be served papers at work if we do not pay our balance due.   I offered to make payments and tried explaining to her that I had  XXXX  and then was involved in a very bad accident and I can no longer work, our  XXXX   XXXX   XXXX  daughter lives with us and we are responsible for her as she can not work due to   XXXX   XXXX   (  XXXX ,  XXXX ,   XXXX   ).   I tried to explain to her that my husband is the o nly one wo rking, we are behind on our other bills as well and we do not have the means to repay this debt at this time unless they would accept  XXXX  month ( we owe  XXXX   ) She refus ed and said it has to be  XXXX  per month for 6 months and they have to have my bank card number to automatically take it because they " do n't trust us ''.   I told her if we had to pay that amount ( which we can not ) that I would not be able to buy food and she said " You should have thought about that ''.   I do n't know what to do, I asked her repeatedly not to go to my husbands job or he will be fired and she said they can go anywhere they want and use any means available to get their money.   She also said that once we are sued they will garnish my husbands wages for over  5,000.00 with all   court costs and things included.   I try to reason with her but she gets very loud and just talks over me.   WE NEED HELP as they are going to my husbands job o n   XXXX  / XXXX /2017.
My complaint is the consumer agencies are reporting to the credit Bureau ( TransUnion, XXXX  and XXXX ), my personal information from my consumer file, and public records showing a Banruptcy Chapter XXXX # XXXX, i want removed. that causing problems for me and my job. Under the Fair Credit Reporting Act it is unlawful and not in compliance.
When I opened my US Bank XXXX XXXX Premier Rewards Visa Signature Card, the terms and conditions promised that as long as the annual fee is paid, a bonus award hotel night would be provided whenever I use my gold points to book award nights of XXXX or more consecutive nights at the same XXXX XXXX property. That benefit is now being taken away, and no direct compensation is being provided. My annual fee of {$75.00} was charged in XXXX and I paid it because I believed I would be receiving the free award night benefit for the entire year.
I purchased the home at XXXX XXXX XXXX XXXX in XXXX through XXXX in XXXX of 2003. I have never been late on a payment or had any issues in the, almost, 13 years since. Since the inception of the loan I have had the mortgage taken directly out of my checking account. 
In XXXX of this year, after a 3 month interview process, I was offered a job in XXXX XXXX. I started with my new company on XXXX XXXX. From the day I accepted the offer my life has been upside down. I have a XXXX, a XXXX year old and a XXXX year old. I had one month to find a place to rent in XXXX XXXX, tie up loose ends with my employer, figure out health care ( a must with XXXX little ones ), find a new pre-school etc. Since we did n't have any time to look for a new home we are renting a small condo in a rough part of the city. My wife agreed to the area because it was " temporary ''. We were to move here for a couple of months while we found a new house. We are now past the holidays and are starting to look for a new home. With everything going on I did n't notice that the mortgage had n't been deducted from my checking account. I have n't given this a thought in the last 13 years! I thought that an automatic deduction was the safest way of paying the mortgage. I never received any notification that the mortgage holder had changed. 
On Wednesday XXXX XXXX I received a call from someone in the XXXX. This was the first inkling that something was wrong. XXXX called me in the middle of a meeting. I had to tell her that I would call her back. That night I looked my checking account and realized that the mortgage had n't been taken out since XXXX. As you can imagine, I was upset. Anything negative on my credit can potentially ruin my chances to get a new home loan. I called XXXX back the next day ( Thursday the XXXX of XXXX ) and gave her my checking account information to pay off all of the unpaid balance. Of course, I had all of the money ... it had just been sitting in my account. On Friday, the XXXX of XXXX, I called back to follow up on the payment because I did n't see that it had been taken out of my checking account. It was at this point that I realized how this could truly harm my family and me. The organization had reported a 90 day late and 60 day late to the credit bureaus. I will not be able to get a loan with this on my record. This would effectively take me out of the market for a new mortgage for years to come. I know that I should look at my account carefully and I usually do. The last couple of months have been crazy for my family and me and it just did n't dawn on me that this would ever happen. It was a total surprise that I rectified as soon as I could. 

This is in regards to Experian.
I called  the Accredited Collection Services to set up a paymen t plan for a debt that I owed.  XXXX  the representative on the line was extremely rude and would not work with me. He told me the " full amount had to be paid today or they would take further action ''. I did not have the full amount and explained I could make payments. He got extremely rude and told me I have had plenty of time to pay this debt and I owed this money now. I ended up saying goodbye and got onto there website to contact customer service about my situation by email. The response was to contact ACS by phone.
The credit bureaus state that inquiries on my credit file that were not authorized are " a factual record of file access '' and refuses to investigate per my written request to dispute. Also the credit bureaus refuse to delete these unauthorized credit inquiries.
There is a Debt with Credence Resource Mana for {$560.00} I never had a contract with this company also XXXX XXXX for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with them.
This is a continuation of the case # XXXX that was filed back in XX/XX/XXXX against the company XXXX. The company resolved to pay me the amount of {$300.00} in 6-8 weeks time in their response to my complaint. 

Instead of receiving payment in the specified time, I instead received a letter via XXXX today almost 8 weeks from their last response to me. The letter basically restates the same response I received back in XX/XX/XXXX and that I would have to wait a " few more weeks '' to receive payment. 

This is unacceptable. I thought it was ridiculous to wait 6-8 weeks to receive payment and now their response is completely indefensible. The company has lied to me repeatedly and also to the CFPB in their settlement response.
I paid off my Macys Credit on XX/XX/2017, payment for the balance due had to be received by Macy 's on XX/XX/2017. To my surprise I received a {$2.00} statement from Macy 's at the end of XX/XX/XXXX for {$2.00} then in XX/XX/XXXX for another {$2.00} and now in XX/XX/XXXX for another {$2.00}. I called in XX/XX/XXXX and they said they would remove the charge, so I did not pay. In XX/XX/XXXX I did not call so I called again in XX/XX/XXXX. Now they say that it is interest due from my last statement ... .so why do they keep billing me for additional {$2.00} every month. I have paid off other credit cards and when I pay the balance due before the due date that is it! I do n't get another statement from them again unless I use the card again. I really think this is a total scam. I feel robbed. I know it is just {$6.00} but I feel it is just not right. I can see from other complaints that this is what they do with everybody. I can only imagine all those who do n't complain and just keep on paying the {$2.00}. I paid the {$6.00} due because this is affecting my credit ( I know they will report me for the {$2.00} being past 30 days ). Somebody needs to do something and stop Macy 's from doing this. This is just not fair to the consumer.
I am submitting a complaint in regards to my personal checking account with US Bank. My account was overdrawn twice between the dates of XX/XX/XXXX. I made a deposit on XXXX XXXX and the balance in my checking did not appear as more XXXX on that date and nor did the daily text alert on my phone registered as my account being overdrawn more than XXXX. The following Monday on XXXX XXXX I check my account it seen it was overdrawn by XXXX and I check the transaction and notice the discrepancy. I contact to US Bank and spoke to a representative I which he refuse to waive the overdraft fees stating it was valid. When I explain to him I was not given the correct balance information from the ATM machine and daily text alert. He informed the text alert is not real time information but up until that date every representative assure me it was. I encounter this same problem back in XXXX of this same year, and when I went into a branch a banker waive the fee once I show him the information I have received as far as account balance. The representative informed me to go into branch for farther assistance. I went into a branch located in the downtown area of XXXX, Il. I spoke with a Branch Manager after XXXX minutes of digging through my account and asking me various questions that did have not anything to do with the issue I present to her refuse the waive the fees due to the discrepancy and through to admit it was a valid discrepancy. She proceed to tried to sell me a line of credit and than a secure credit card, which I found to be distasteful at the least. I think it was unfair not to waive the XXXX overdraft fees and especially after the branch manager herself stated it was a valid discrepancy but stated if they refuse to do it over the phone I am not doing it neither because you had XXXX in overdraft fees waive within a year which I know to be untrue. I had to file a fraudulent claim in XX/XX/XXXX and still have the documentation to support it.
I filed my taxes on XX/XX/XXXX, thinking I had all my papers in order. I felt the time limit for all papers, that showed taxable income was supposed to be sent to the consumer was by the end of XX/XX/XXXX 
I received a XXXX, from PayPal { XXXX } XXXX XXXX, XXXX. 
XXXX XXXX royal XXXX, XXXX. XXXX stating {$1200.00} of discharged debt. 
I feel this is unfair to send me this form at the XX/XX/XXXX of XX/XX/2017. as I now owe the IRS, an addendum to my taxes. 
This notice should have been sent to me a lot earlier.
XXXX has a storewide policy ( for non-cardmembers ) that they will issue a price adjustment 7-14 days after you make a purchase and the item goes on sale. I have made various price adjustments in the past with no issue. I am XXXX credit card member that earned cash rewards for purchases made over the holidays. I recently requested a price adjustment and instead of issuing the fully adjusted price credit, because I used my cash rewards, they deducted my credit card rewards as part of the adjustment credit and only issued a partial price adjustment. This is an unfair and deceptive practice as those rewards were earned for spending {$200.00} multiple times. Price adjustments shouldnt negate these rewards! In addition, non-cardholders dont receive any such penalty and are issued the full price adjustment credit. Why should loyal card members be penalized from engaging with their card and utilizing the rewards program.
XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, XXXX and TRANSUNION ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, TRANSUNION and XXXX.
I checked my credit score and saw Navient reported XXXX payments as being late in XX/XX/XXXX. They take payments out of my account automatically ( and have been since setting up a payment plan in XX/XX/XXXX ) so there is no way the payments could be late. Because they reported XXXX late payments my credit score went down by almost XXXX points! I attended XXXX University XXXX and graduated XXXX University.
I received my FIRST notice from a company called Credit Protection Association L.P. on or around XXXX XXXX, 2016 claiming I owe a debt to XXXX XXXX in the amount of {$74.00} plus a collection fee of {$12.00} ; totaling {$87.00}. I contacted XXXX XXXX and spoke with a member in their collections department. There was no record of my name or SSN to indicate I owe them a debt. I attempted to contact Credit Protection Association L.P. several times to no avail. I have sent them a letter describing my issue and have received no response, however the debt has been added as a collection to my credit report which has had a severe impact on my current credit score and report. 

What is more alarming is the nature of the letter, as it is almost threatening in nature and appears to be a scam. The letter claims they have contacted me several times, however this letter was the first I have heard of any debt owed to the company. It also goes on to state that they can not understand why I would " refuse '' to pay, claiming that most people are concerned about their credit and pay their past due balances.
While recently checking my credit report it is showing that I was late with my mortgage payments in the years XX/XX/XXXX and XX/XX/XXXX. I am disputing this.
We were Issued a Loan Modification by OCWEN, we made XXXX payments and they would not accept the XXXX payment because we have solar panels from XXXX XXXX XXXX which is current ... Our attorneys refiled a mod package and we were offered a payment that was XXXX More they OCWEN defaulted on original aggreement. what can be done about this this new amount is totally unrealistic.
I have never reside at the XXXX, Ca address on my Trans Union and XXXX credit report. That 's never been my address and my personal information was list and stolen and believe some is still using my identity.
1. ) I was treated at ER as result of a WORK ACCIDENT XX/XX/XXXX when I was driving a cement mixer truck of the company XXXX. 
2. ) The police was present and they DID NOT GIVE ME A TRAFFIC OFFENSE CITATION, because the accident was result of the rainy weather. 
3. ) A representative of my employer ( XXXX ) was present at ER and gave the information about their insurance company. 
4. ) On XX/XX/XXXX, I received a letter from XXXX inquiring me information about the responsibility of this charges. 
5. ) I immediately submitted the information online and by phone call. I got a confirmation e-mail and they stated that will be in contact if they would have additional questions. 
6. ) XXXX XXXX, did not contact me anymore.however XX/XX/XXXX TRANSWORD SYSTEMS INC. sent me a letter for collection. Immediately I sent a letter to Transword Systems and to my ex-employer XXXX, to let know them that I do not owe this debt and they have to direct the collection to the insurance company. 
7. ) TRANSWORD SYSTEM INC. answered me that they can not effect a change to how the company have listed the account on my credit profile. And XXXX XXXX XXXX, sent me a e-mail, let me know that they informed to the insurance company in timely manner. 
TRASWORD SYSTEM INC, advised me that I should to contact to you ( FTC ) to file a complain about the way of the debt collection, because in the statement of account contains the insurance information.
I had gotten a few months behind on my wells fargo loan, I originally asked for a forbearance which they said was accepted and would be in place until XXXX 2014. It was never put in place. In XXXX I called and setup automatic payments and a payment to pay my past due balance in full. I never heard anything from Wells Fargo after that until I received a letter stating that my loan was due in full and had defaulted. When I called the lady I spoke with said the person who took my account information for the payment missed a number in the account number so the payments never went through. I was never once notified of this and now I have set up monthly payments with them but they will not offer me any relief. I do n't feel I should have a defaulted loan on my credit report if I did not default it was the lenders mistake, but they said there is nothing they can do to fix it or help me.
I recently viewed my credit report and found a debt that was being reported by Receivable Recovery LA XXXX XXXX XXXX XXXX. XXXX XXXX La XXXX. This debt does not belong to me. I do not have, nor have I ever had a contract with Receivable Recovery.

I sent a U.S. Postal Certified Letter on XX/XX/XXXX ( # XXXX XXXX XXXX XXXX XXXX ) asking them to validate this debt and to send any signed contracts I have between myself and with this company. I do not have, nor have I ever had a contract with Receivable Recovery. 

According to the Fair Credit Reporting Act, the creditor has to prove this account indeed belongs to me. My letter to this company was sent more than 30 days ago. I'm also concerned with the Hippa Violation of this medical bill. 

I have called this company several times with no returned phone calls. 
This was placed on my credit report on XX/XX/XXXX for the amount of {$640.00}. 

This error has caused great difficulties in me gaining credit, I demand that this negative listing be removed immediately from all credit bureaus.
I would really like to know whynavient did not discuss all the options I had to repay my loans. I am XXXX XXXX XXXX this year and my life is just about over. I survived XXXX and XXXX for 5 years and only to have this worry me. M doctor has warned me that the XXXX will bring a onset of XXXX which is not good. I survived XXXX for this. If they had told me this long ago instead offering all the deferments and forbearance my loan would have been 10 years paid on. Now as a XXXX survivor, I have XXXX loans, a lot of threatening email, more than I have got before and I have no options Why was this not discussed with me before. I need to know this. why di they not discuss this with me. why did they just ofer the forbearance and deferment when they called and never try to explain to me how this would affect me years down the road. I want to know why they never offered me any options to manage my loans and now they are making it look like it was my fault.
I am seeking relief from the XXXX Board of Appeals to remove the 2014 Late Payment status from all ( 3 ) credit bureau reports ( XXXX reports attached ). Please note that my account was in forbearance  status prior to, and after the Late Payment status ; forbearance was also granted and retroactive for the same period, which amended the Late Payment status. <P/>Your representatives ( errors & omissions ) assured me the retroactive forbearance would supersede the Late Payment status and would be removed from all credit reports.
Capital one has me added to a credit card as an authorized user that I never requested and have no knowledge of the person the account actually belongs to. I have contacted Capital One and told them that I should not be an authorized user on XXXX XXXX 's credit card, however they have refused to remove me as an authorized user, and now I am showing late payments on my own credit report based off of Capital One adding me as an authorized user fraudulently. I was the victim of identity theft and my credit was also compromised during the XXXX breach but Capital One has refused to remove me as the authorized user. I do not know anyone named XXXX XXXX and I never have, and I never gave any such person the authority to add me as an authorized user. My identity was compromised and I am struggling to resolve these issues, but Capital One has refused to honor my efforts and have been verbally abusive to me with regards to this matter.
I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XX/XX/2018 and did not give me the right to cure my default with them even though they mailed a letter out stating that i had untilXX/XX/2018! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to my rights?
XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors. 
-There are no serious delinquency -time since delinquency is too recent/unknown. this is a bogus comment and must be removed. 
-number of accounts with delinquency. There are no delinquent accounts. 
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This is totally inaccurate. XXXX accounts have been paid off. balances on other accounts have been significantly reduced, due to increasing minimum payments. 
- I have written credits on inquiries informing them that I do not recognized and request that they be removed.
Received a response from Citibank Client Services, dated XX/XX/XXXX. Response indicated that I received a XXXX for the XX/XX/XXXX tax year. And that the debt was charged off on XX/XX/XXXX. 

Upon review of my records for the XX/XX/XXXX tax year, no XXXX was received by myself. And I did not make any unsecured debt payments to any creditor past XX/XX/XXXX. 

I wrote a letter to Citibank Client Services, attention XXXX XXXX of the Executive Response Unit. I indicated the above concerns and to please verify that this is my account. The letter was sent certified mail and was delivered on XX/XX/XXXX. To date no response has been received from Citibank client services. Ref Case # XXXX. Please see attached letter dated XX/XX/XXXX addressed to XXXX XXXX, Citibank. Certified mail tracking number XXXX
Parties Involved : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX, IL XXXX Account Number : provided when requested Date open : XX/XX/XXXX Balance : XXXX Despite several written requests to Equifax, XXXX and XXXX XXXX XXXX, the unverified item listed above remain on my credit report in violation of Federal Law. 
XXXX XXXX XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax and XXXX  have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified I have contacted XXXX XXXX XXXX multiple times and was inform that my information DID NOT match what they had. Yet my social is tied to an account which I never retain services from and the debt was sold to a debt buyer so they are no longer responsible.I was informed they no longer have the account in dispute YET they still keep reporting as accurate to CRA 's even when requested documentation of validation was sent to them ... .. I receive no response As stated I wrote Equifax and XXXX of their method of verification and I received no response. 

Pleased help me!!!!!