WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I was in debt. In XXXX Discover credit card services wanted a minimum payment due of {$190.00} with a 29 % interest rate. As a single mother, homeowner I could not manage. I asked Discover to work with me reasonably. They did not want to offer anything more than the above. They called day and night and were relentless for months. Then I started to receive communications from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX They asked that I pay over {$9000.00} to them. I only had a credit limit of {$6000.00} with Discover. I was bombarded with documentation from them and finally, I would receive communication I was being sued. I went to court numerous times without an attorney and was made to feel very XXXX. The last time I went to court I was basically bullied into a payment agreement with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. if I was to receive a partial amount of my mortgage money that they in fact executed and levied. It caused me and my bills to spiral out of control I found myself facing foreclosure due to the loss of money becoming late and then behind in my mortgage payment due. I was completely devastated. XX/XX/XXXX the same thing has happened my entire direct deposit was levied and executed by XXXX XXXX XXXX, XXXX. They are making my life a living nightmare. They got awarded a judgment order for over {$9000.00} by default and I was never given the notice or opportunity to defend myself. This firm is so shady I have found countless complaints about them. FACTS that they have been sued for violating the Fair Debt Collection Practices Act more than once, XXXX XXXX a long time attorney of the firm has been suspended 4 times for failure to pay the client security fund fee.In an article online I found their firm brought more than 8000 small claims to court in XX/XX/XXXX! There are tens of thousands of people who have been bullied by this firms predators. I will give an abundance of information to the CFPB and pray you help me so I can help others.
On XX/XX/XXXX, I called to dispute a public record ( bankruptcy ) that does not belong to me. XX/XX/XXXX - they removed the public record and and re-insert the same day. The FCRA is requiring them all CRAs to notify me within 5 days of reinsertion. I did not receive any such notification, please have the remove this item permently and immediately.
XXXX   XXXX   XXXX   Opened   XXXX   XXXX   XXXX   {$170.00} Original creditor : 01   XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of   XXXX   XXXX  .
I have disputed the late payment status reported on the account XXXX  with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously
I was established with a rate reduction plan with XXXX  private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted XXXX  and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with XXXX  and no help. I have disputed with the credit bureaus and nothing has changed. 
XXXX has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.
Nelnet continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I am filing a complaint because Experian has ignored my request to provide me with the documentation that they have on file that was used to verify the accounts that I disputed. It is well past the 30 day mark and they can not verify these accounts. Under the Fair Credit Reporting Act section 611 ( 5 ) ( A ) - they are required to promptly remove all information which can not be verified that I have disputed. Pleas resolve this issue as soon as possible. Greatly appreciated. Thank You.
My XXXX student loan account is in forbearance. 

XXXX has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for XXXX not to be updating the credit bureaus with the correct information.
I applied a for credit limit increase two weeks ago for my capital one venture credit card and I was denied a credit limit increase because my monthly payments are too low. I never made late payments.
I have had a very difficult time with Rushmore. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Rushmore always seemed to lose my paper work, which I constantly had to re fax. I also had a very difficult with the representative XXXX XXXX who accused me of " going on trips but no paying my mortgage '' This was based on a purchase on an airline flight, I bought a drink and chips. This was a business trip were the tickets were paid for and the expensive as well. I was very hurt by this and felt this representative did not want to help me avoid a foreclosure.
Nationstar Mortgage has violated my rightsthroughout the whole trying to save my home. I now have an auction date on my house. They never warned me that auction was a possibility and only gave me 60 days from posting date to actual sale. I have complained before about nationstar not trying to help and making mockery of XXXX foreclosure avoidance program. Some complaints not even answered and some had missed truths in them. I need to stop auction so I can save my home.
I was the victim of a robbery on XX/XX/XXXX at a local supermarket. 

After the robbery occurred unfortunately my cell phone and other forms of communication were off temporarily and since Im XXXX I couldnt step into a branch right away. 

I finally was able to come into a Wells Fargo branch on XX/XX/XXXX and within that time period my Wells Fargo business debit card was used fraudulently to the tune of over {$5600.00} in transactions both in stores and online and these obviously were not transactions authorized by my business as I provided a police report that day to help further my claim. This has caused my business checking account to also go over {$700.00} overdrawn as well. 

I disputed this fraud to Wells Fargo and they reviewed both my case and a police report that outlined the crime and still denied my claim within just a few days. 

Im appealing this to the highest degree because these transactions were truly not authorized by me or my company and this has caused a major disruption within my business.
Regarding loan # XXXX JPMorgan confirm their findings as provided before. 

However, for the record please note that apartment XXXX 'never ' had an equity loan. I had another apartment, which unfortunately I was almost forced to sell last year, XXXX against which I had maintained a line of credit. The loan with JPM which I believe must 've been taken under WAMU or even Dime Svgs Bank, was taken a long ago which matches the XXXX filing. This line of credit 'did not ' exist up until recently as JPM seems to indicate. 
I have been asking about the line of credit that was been reported every time I called to get a status on my current mortgage loan, but never got a straight answer. Instead JPM had in their files a UCC under a complete different apartment number and owner listed under my records. 
I 'm glad that this issue got finally corrected. 
I am very disappointed though at JPM 's decision to not respond to my question regarding the loan they issued to XXXX XXXX XXXX XXXX XXXX in 1996 ( originally thru Morgan Trust Co ) As a shareholder in that Co-op I should be able to obtain the requested information. I did n't realize how bad the real estate market had hit until I started to review some documentation for the Co-op which raises some questions which oddly enough Management Company, Sponsors, accountants, etc have kept secret all these years.
I have a debt for {$2000.00} that is held by XXXX XXXX XXXX ( ERC ).  They called my mother on Friday, XX/XX/XXXX, around XXXX XXXX pacific time. They asked if there was other contact information for me, which they are allowed to do, but then XXXX XXXX left a message with my mother to be forwarded to me, asking for me to call them back at XXXX, using reference number XXXX, saying I needed to call back within the next two hours because XXXX would be gone after two hours. Then, on Saturday, around XXXX XXXX, XXXX called my mother, again, asking to speak with me. My mother told her that she had relayed the message and there was nothing more she could do, but my mother should not have even had to be bothered with relaying a message that sounded like it was urgent, nor should she have been harassed with a second call. My debt is my issue, not my family 's.
The financial institution I am dealing with, Citibank, has missapplied funds which I sent in a timely manner to pay this loan and I can not seem to get any help removing late charges I was charged due to their mistake. I have sent payment which was supposed to be credited to this account and was mistakenly credited to an old, closed account which Citibank could not transfer to the right account. As soon as I was made aware of their mistake I requested a refund and sent another payment which was credited correctly, however, there were 2 times this happened and I was charged late fees I would like refunded as I was at no fault in this matter. I have sent letters and made numerous calls without any luck.
Back in 2009 I filed for BK included XXXX XXXX XXXX my Morgage company at that time. After the BK cleared they still refused to take over the house. I have called and written to them asking them to stop postponing the foreclosure date and even tried the dead in lue. After that they sold my account to XXXX and then to NationStar Morgage. I have tried with all these companies to have them stop postponing the foreclosure date and the dead in lie. No luck. I have the HOA taking me to court for the last 2yrs. I have no income coming in. This has been more than 5yrs, why do they keep denying my dead in leu and keep stoping the foreclosure? I do n't know what else to do. Please help.
I had fallen behind on payments on my XXXX card ( Comenity Bank ). In XX/XX/XXXX they offered me a 1 year hardship plan. Monthly payments would be {$40.00}. After 3 months and 3 months of successful payments, they said my account would reported as current and all previous late fees would credited to my account. I agreed to the plan, and made successful {$40.00} payments in XXXX, XXXX and already made XX/XX/XXXX 's payment. 

Today ( XX/XX/XXXX ) I was contacted by them saying they made a clerical mistake when they enrolled me, and that I was never enrolled and that my account was 4 months passed due despite the payments I made. They acknowledged the clerical error, but told me they could n't fix it, all they could do is re-enroll me and that I 'd have to make a second XXXX payment. This is n't right at all, no desire to fix the issue.
I was offered to sign up for a store credit card by an employee. i like to shop but i felt ripped off. because alot of the items i purchase was low in cost. first the cashier told me my payments were only XXXX a month and it would not change and when i look my card was getting hire in cost. well i did make several arrangement that was not kept by the customer service. it starts of good with these cards then they become harrasing charging over the limit fees and late fees and other hidden charges. there was some insurance they ask me to sign up for and they ask me to call all over to remove the service. I felt i made small purchases and my account should not have went over. they also tried to sign me up for some hard ship program and later close the account with out me knowing or keeping it open. That the product i purchase on my card was not allowed to be returned to the card. they need to check and make sure the items that they are selling are really from their store.
I contacted Citibank Customer service on XXXX XXXX, XXXX and spoke to a representative and an account manager with regard to having my account reviewed to have interest rate lowered. I am currently paying XXXX on XXXX balance on the card and XXXX on another balance on the same card. The account has been closed for several years and I am getting frustrated in the fact that even though I pay more than minimum due the account balance seems to continually increase. I have a letter from their Office of the President, dated XXXX/XXXX/XXXX that states that the account would be automatically reviewed every six months for a lower APR with no reference as to whether the account was open or closed. That is what I called and requested today and was very bluntly and rudely told by the account manager that because the account was closed, there would be no review. His response was the letter was from XXXX and things have changed. So, just because my account is closed and I am continually making payments not only on time, but also more than the minimum due, I get penalized for review because the account is no open. The only remedy that was offered was to reopen the account at a higher rate! Please I am not a stupid consumer, all I ask is that I 'm treated the same as an account holder that has an open account.
I set up automatic payments in  XXXX  for this  XXXX  and  XXXX  account and provided all of bank information in which to process payments. They took the first payment in  XXXX  but failed to take the next payment in  XXXX  although they had all of my information on file. I never received anything via mail or email regarding the account and had assumed the payment would be taken. I received a call on today advising me to contact regarding the account and found that the payment was not debited for  XXXX  and I had subsequently been billed a late fee. I advised them that I set-up autopay in  XXXX  but they claim it was only set for one-time payment and refused to correct any derogatory information reported. I pride myself on a goo d credit score and want derogatory information removed as well as the late fee removed. I have gone on-line and made the payment and would like the issue resolved ASAP.
Our mortgage servicing company OCWEN every 6 months sends us a notice that our Condominium Association Master Insurance Policy on our rental property has expired. It then requires us to contact the Homeowners association and master insurance company to provide all the master policy information, endorsements, etc., etc. What on earth is the mortgage servicing company getting paid for if not for basic services like establishing contact the Homeowners Association to verify their Master insurance coverage? We are hounded every 6 months with this repeated huge paperwork exercise. OCWEN is getting paid to do this or do I misunderstand their obligations and what they are being paid for? We understand perfectly our requirement to verify we have homeowners insurance on the condo itself. 
This is just one of the regular hassles that OCWEN puts us through because they do not follow up on the information we provide or require repeated re-sendings of information and paperwork because they lose track of our material. OCWEN is without a doubt the worst organization we have ever dealt with concerning mortgages and insurance. Constant difficulties.
This account was opened XXXX XXXX 2007 and was in my spouses name. I was never on this account to my knowledge. Now it shows opened and a balance of XXXX dollars. This also only shows on equifax and nothing else.
This is a complaint from XXXX XXXX against XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX failure to provide requested information for the debt alleged. XXXX XXXX XXXX XXXX has been reporting on Consumers credit report and attempting to collect for a debt that the consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ;  b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
XXXX XXXX XXXX XXXX responded on XX/XX/18 with a request for a medical authorization. This was provided on XX/XX/18, again with a request for the above information. It has been almost three months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Discover Financial Services ( DFS ) utilized deceptive advertising to promote the use of XXXX with their Discover Card product and is not honoring payments promised to customers including myself. 
DFS issued a press release promising 10 % cash back on all XXXX transactions conducted with a Discover card from XXXX. htttp XXXX After the promotion started DFS posted updated the terms and conditions on XXXX/XXXX/15 which specifically excluded the purchase of gift cards related to this promotion. Starting around XXXX/XXXX/15, after utilizing XXXX for a multitude of transactions I began receiving automated e-mails from DFS, specifically XXXXXXXXXXXX, claiming I had purchased gift cards on certain transactions and requiring me to submit receipts in order to receive the previously promised cash back. DFS me advised to contact the merchant and/or DFS would contact them on my behalf. The requirement to retain receipts was never mentioned in either the initial press release or any updated terms and conditions on DFS related websites and I had not retained any receipts which I could provide DFS. 
I e-mailed the above listed e-mail address advising that I did not have receipts for the various transactions/merchants they were questioning and was unable to obtain them for the merchant. Only XXXX detailed receipt was obtained by DFS for {$410.00} on XXXX/XXXX/15 from XXXX. After I began receiving receipt requests I began keeping all my XXXX receipts, though not required by DFS ' stated terms and conditions. 
I am requesting DFS honor all my other XXXX Pay transactions and provide an accounting for the payments they promised.
I just received notice from ERC on X/X/17 in regards to an alleged debt owed of {$1100.00} to XXXX. Please produce validation. This would be the 3rd time that I 've requested validation of this debt of which XXXX continues to violate FCRA regulations.
On Thursday, XX/XX/2018, I received a call from my adult daughter saying she had received a call from someone who was executing an " Order for Location '' and trying to locate me. She said the person also contacted her daughter who is XXXX years old and scared her.

I checked my voice mail and found that whoever it was had left a voice mail for me. I listened and learned the following : The person calling was XXXX XXXX and that she was executing an " Order for Location '' and trying to locate me in regard to case XXXX, a case filed in XXXX County ( Texas ). She said the order gave her authority to contact my employer and references. She said she would continue to do so until told to do otherwise and that this was a 'Legal Notification by phone '.

I checked with my sister who said she had been contacted and my wife who checked her email and found the same message.

I called the number provided XXXX and was given the same information. She claimed to be trying to locate me, but would not stop calling until directed to do so by whomever hired her. She would not tell me the name of her company or the name of company that hired her. She did provide me a number to a different company. I called the number and could not find out the name of her company but after some arguing, I learned that they were working to recover an unpaid loan from two years ago by Ace Cash Express. I remember the loan, but not if it was paid completely. She would not provide me with specific contact information on how to contact the company. It is strange they have my phone number but and address, but could not find me. They also confirmed they had my address.

I contacted the XXXX County courts and was told they could find no record of suit filed but that did not do any service processing so could not help me. They were not particularly interested in helping me, saying they had no idea where to go for help.There are no suits filed against me, so they could not help me.

I worked in the credit field for nearly 30 years and have never heard of such a court ordered process. After consideration, I determined that my next course of should be to contact your agency.

Your help is greatly appreciated.
Patients were offered a genetic XXXX screening at no charge as long as they had medical insurance. Tests were done in dental offices throughout the XXXX and GA. The tests were sent to XXXX. Patients were never billed patients and assured they would never have an out of pocket charge for saliva testing. XXXX never did send out statements, however, they turned patients accounts over to Fidelis Recovery Solutions ( collection agency ). Charges range from XXXX XXXX to XXXX XXXX or more dollars. Patients were shocked because they were promised no out of pocket cost. XXXX put it in writing. XXXX will not return phone calls or emails. I contacted a representative who is no longer with the company and he sent me training materials which stated " no out of pocket costs for patients '' The company would accept only what medical insurance would pay even if that was nothing " because we are collecting test data, and we want to make this test available to more people, we are accepting what insurance is paying and writing off the balance. '' I shared this information with the collection agency but Fidelis Recovery Solutions will not return calls about this issue either. Patients are being taken advantage of by both XXXX and Fidelis Recovery Solutions. Please advise me on how to help our patients.