WillisBack/dataset-financial-user-claim huggingface dataset:
My account with XXXX  was sold to XXXX XXXX XXXX ( XXXX ). THEY turned the account over to XXXX XXXX for collection. XXXX XXXX contacted me at work and me telling them that I could not speak to them at that time, proceeded to call right back. After work hours I called them back ( Ms XXXX ) and requested that written documentation of the debt they were attempting to collect be mailed to me. I was told that no they were not going to mail me anything. I owed the debt and they were proceeding to verify my employment to sue me. She then hung up on me. I called right back and asked to speak to a manager. Again I was told there was no manager available and that they were not going to mail me anything but proceed with legal action.
Despite making all of my monthly payments on time and paying over {$14000.00} in interest, the company refuses to provide me with any payment arrangements due to a financial hardship, unless my loan becomes 30 or more days past due- thus negatively impacting my credit.
I have contacted First Progress Card as well as XXXX to advise them that i am a Identity theft Victim and that this account does not belong to me. However, First progress insists on verifying this account Electronically to XXXX when i dispute it. I have requested that they validate this debt ( Not simply Name. address, DOB ) and have received no response. I forwarded a copy of the FTC Affidavit as well as the Police report to them and still nothing has happened. I 'm being told that " its still with an investigator '' by First progress and XXXX is saying that its been verified. Police Report # XXXX / FTC # XXXX
Identity Theft Victim ... 

Didn't Authorize ( Inquires ) Pulling of Credit .... 
XXXX!!! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions Didn't Authorize ( Inquires ) Pulling Credit!!! 
Transunion Creditor Name Inquiry XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX   XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance
Hyundai Theft of {$370.00} Hyundai Acct # XXXX Tell my Story First, I am a XXXX on a SSA small fixed income that gets to me on the first week of each month on a date from XXXX to the XXXX. My XXXX XXXX was picked up/delivered on XXXX XXXX but Hyundai required my lease date to be back to a XXXX due date for payments, not for when I started or made my first payments on this car. For about 1 1/2 years Hyundai Motor Finance harassed me routinely that by mail my payments were getting to them beyond their purposely shortened due date and grace period which was unchangeable on the XXXX of each month. This then caused me to mail checks to them early than the XXXX and without coverage money in the bank. They seemed to say pay on time or they would hurt my very good credit rating. So I wrote checks to them BEFORE the money was in my checking account. 

I constantly requested to them by mail to consider a longer GRACE period for me extending the due date in their programming that was causing all this harassment. They did nothing but harass me more. NOW in XXXX I saved enough money to make my {$180.00} monthly payments fully funded, early and get there faster thru banking AUTOMATIC payments that according to XXXX XXXX took only XXXXXXXX days to get to Hyundai in Texas. So if I could determine how long this would take automatically so it got there by any months XXXX date. I would go automatically by computer transfer. 

Because of Hyundai continuous harassment up to this automatic change I had to change the send date 3 times before anything was suppose to happen. Instead it ( XXXX ) was factually sent 3 times to Hyundai on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX ( bank records are available ) or 3 times XXXX. It should be obvious to anyone that only XXXX {$180.00} would pay my each month payments but not Hyundai they now claim they felt these XXXX close date payments by me was wanted for advance payment ( that is the thinking of pure incompetence ) so they rolled this in to the months lease payment rather than questioning me or mailing it back to me. STEALING was a lot easier to do and then to continue their harassment of my fixed government income. They now totally REFUSE to pay back this stolen {$370.00}
I wanted to refinance my home equity loan and first mortgage. I am currently living in an apartment in XXXX while my husband works, while our home is in XXXX. I contacted Quicken Loans and began the process with them. The explained it would have to be considered an investment property. After some crazy paperwork we were approved of the mortgage. They took XXXX dollars for the appraisal and I was told it would cost XXXX and I would get back the remainder. The appraisal came in and I was sent documents saying that because the appraisal came in low I 'd have to pay PMI until I got to the 80 % threshold. I signed the paperwork and was waiting for a settlement date. I received a phone call today from their " solutions specialist " saying because my home is considered an investment property and because the appraisal came in low they would n't be able to give me a loan. They said that they would only be able to give me 75 % on the value of the home. Which would n't cover the XXXX loans I wanted to refinance. 
My problem is I thought the estimate was low balled. And after the phone call I researched Quicken loans to see if there were any complaints regarding this type practice, I found hundreds of similar complaints that after they get your money for the good faith and appraisal the value comes down lower than it should be. They compared my homes that were smaller square footage and smaller property size and I find this disingenuous. 
Also when I got the documents the appraisal came in at XXXX not the XXXX XXXX they quoted me. 
I think this is a scam. They take the money and then low ball the estimate to either keep a large chunk of the appraisal ( maybe they have appraisers that take XXXX or less. ) or they want you to pay PMI. Something is n't right. They generated paperwork like all was well with the loan. And we sent all the documents back, how can they get away with this?
I have had a PayPal account for years, as well as their PayPal Prepaid debit card, also for years, both in good standing. 

Yet, since last Thursday, I have not been able to load my card with money from my PayPal account, even though there is plenty of money in the account, and the card is in working order, by PayPal 's own admission. 

I have called them at least 10 times since last Thursday. Sometimes they tell me it 's a system issue they are trying to resolve ; other times they say it 's website maintenance, other times they simply tell me to keep trying, that they have noted my problem and will fix it. 

But NOTHING has been done. 

I need this issue FIXED ASAP, as that card is my ONLY way of making purchases in-person at the market, and the drugstore, etc. It 's my ONLY way of accessing my funds from my PayPal account. 

Every time I speak to a rep ( in XXXX ), they put me through a whole circus of hoops to jump through, only to tell me the same excuses I listed above. 

HELP! 

I do not work for a living anymore, as I 'm an XXXX patient and am nearly homebound. That card is my only way of making purchases, such as for medicine. 

HELP!
On XXXX XXXX I contacted your service center to learn how I might re-instate my expired miles. I was told that I could pay {$500.00} OR I could apply for a Chase XXXX Mileage credit card and if I was approved for a credit card I could enroll in the Knowledge Plus Challenge and would be credited with {$500.00} that would be applied to reinstate my miles. Since XXXX " noticed '' me at the beginning of that call that it would be recorded, I also recorded the call. I have a copy of that call that I can forward at your request. I applied and received immediate approval for the credit card. When I attempted to enroll today in the program I was told that there was no {$500.00} credit I would receive but I would be charged {$500.00} to reinstate the miles. Why would I go through the hassle of applying for the credit card if I was not going to receive the {$500.00} credit? This appears to be a classic bait and switch by XXXX XXXX and Chase. Noted below is the email response from XXXX XXXX : Dear XXXX XXXX, We 're sorry for the confusion and the inconvenience this may have caused you. 

There are few options to reinstating your expired miles : Buy back - You can buy back your miles. The cost will be depending on the amount of miles that expired. For your XXXX expired miles, this will cost {$500.00} to reinstate it back. 
Register and fly - Register for {$500.00} and then complete qualifying round-trip travel on XXXX or XXXX XXXX. You must register within 18 months of your mileage expiration date, and complete travel within 90 days of registration. The registration fee is non-refundable and a maximum of XXXX miles can be reinstated with this option. 
Register and use a MileagePlus ( R ) Visa credit card - Register for {$500.00} and then use a new or existing MileagePlus Visa credit card to make a purchase. You must register within 18 months of your mileage expiration date, and use your card within 90 days of registration. The registration fee is non-refundable and a maximum of XXXX miles may be reinstated with this option. 
The agent might have not explain further the terms and conditions for this offer. 

Since we are unable to waived the registration fee via the MileagePlus Service Center, please contact our Customer care at XXXX. 

Whenever possible, we try to accommodate our customers ' requests and are sorry that we can not do so in this instance. We value your business and look forward to serving you in the future. 


Regards, XXXX XXXX XXXX MileagePlus ( R ) Service Center
I 'm unable to access XXXX credit report with my correct information and I cant all the verification question for Equifax report say I 've open auto loans and this year I have n't done anything involving loans or anything of that sort this year I think my idenitiy is bieng used in another state
This complaint is against XXXX XXXX XXXX XXXX XXXX, who practices in XXXX XXXX XXXX XXXX XXXX m XXXX, CA XXXX ( XXXX ) XXXX for falsely reporting for non payment of fees for an appointment that I did not schedule I called the doctor for an appointment of re-unification therapy with my daughter. Before we hanged up, i said, I will call back to confirm after I talk to my employer to see if I can get time off work. I was unable to get time off and hence did not call the doctor to indicate that I was coming as I had told him earlier. Even though I told him that I will call to confirm if I was coming, he still is charging me unfairly for the appointment that I did not attend and also incorrectly reporting to the credit agency to tamper my credit score. I request you to please see if you can help as my rights are compromised incorrectly as it has affected my credit report.
ive had XXXX servicing my loans for almst 18 yrs. in XXXX unknown to me and without notice XXXX took over, raised payment from XXXX to XXXX and changed amount owed from XXXX to XXXX. now its navient servicing. Ive been unsuccessful in getting a income based repayment plan like the one I had with XXXX for the last 3 years. Ive faxed in documents approx 6-7 times over the period. All they do is issue forebearances and keep raising payment amount and loan amount. These are loans from XXXX. In XXXX my loans were consolidated without giving me notice that the clock would completely reset payment period. 
I need assistance asap on getting on a income based repayment plan and not having the clock reset after 12 years of good standing. I didnt authorize XXXX or navient to service my loans and do not want them as my loan servicer. i get nonstop calls and or emails every 3 months on forbearance over. I explain the problem to them they appologize, give me a govt student loan tel that is worthless and continue same behavior.
I have been going back and forth with XXXX XXXX XXXX  XXXX about two late payments that are showing on my credit report from XX/XX/2017 and XX/XX/2017. I Have never been late with my payments and when i spoke with them they claim their system was down and didn't process my payments on time but they refuse to correct the error that was caused by them not me. This has hurt my credit scores in a big way and i need this taken care of immediately.
XXXX XXXX XXXX refuses to remove derogatory information. The last " payment '' date they report is XXXX but they are telling Experian the last " delinquency date '' is XXXX. It is my understanding that the " date of last payment '' starts the " seven year '' clock. I was caught up in the Deceptive Trade Practices Lawsuit the State of Texas won against them for their Warranty practices. They " sold '' the debt to XXXX who I 'm quite sure your familiar with. XXXX deleted their information but XXXX remains. I have contacted XXXX and they claim they " ca n't talk to me '' because of XXXX 's involvement and then hung up. I take full responsibility for not paying them and returning their property but right is right and they should be held accountable for their actions. The people at Experian agree that the delete date should be this month but their hands are tied by XXXX deceitful reporting. Unless I 'm wrong XXXX should be held to the XXXX date as the " first delinquency ''. Of note is the fact that XXXX own reporting shows no XXXX/XXXX/90 delinquency reports, it goes from " paying '' to " Charge Off ''. I firmly believe based on my dealings with XXXX they do not have a clue as to what the correct information on this account is. In prior conversations when asked about specific dates they replied " all of those files were sold to XXXX ''. All I want is to be treated fairly but XXXX will have to be dragged to get them to do right. Thanking you in advance for your time and help.
All  XXXX  credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Guild Mortgage Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
I  XXXX   XXXX  hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with  XXXX ,   XXXX   and  XXXX   XXXX  respectively. The attache d medical collections were instantly filed by Overton, Russell, Doerr & Donovan, a law firm located in the state of New  York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows :  1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medical invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question.      2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the    right report any or all collections previously ordered paid.   In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of  Overton Russell Doerr & Donovan for a continuous illegal collection practice ( s ) against  consumers without any consideration of the law.   An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations.   My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center  of Overton Russell Doerr & Donovan alo ng with a permanent injunction against same from this continuous abusive practice.
InXX/XX/XXXX I contacted PHH Mortgage to see to see if I would be able to do a short sale for a significantly underwater co-op apartment that I owned. At that time, I vacated the apartment, kept it in good condition and wanted to continue to make payments to PHH until such time that the short sale process was concluded.

The PHH representatives directed me to fill out an application packet, which I quickly did. Although the application, which I provided, was complete, they incorrectly asked for additional irrelevant information, which delayed the process for several weeks.

After PHH acknowledged the information I provided was accurate, I received a letter in late XXXX XXXX, stating that my application was denied because I was not eligible to be considered for a short sale. 

In early XXXX XXXX I wrote/called PHH to  understand why I was not eligible for the application and was told because I was up to date on all of my payments ( to be clear I NEVER missed one payment in 14 years ). 

I was told that my application would not be considered as long as my payments were current. I explained that if I ceased payments, it would kill my XXXX credit score and furthermore was not what I wanted to do because of how the damaged credit score would hurt me with other personal/business matters.

After hearing from PHH that there was no other way to proceed, I stated to PHH ( on their calls which they record ) and via formal follow up written and electric communication ( which they received ), that although I completely disagree with their forcing me to do this, I would temporarily cease payments as they instructed ONLY if they accurately reported that I was not making payments solely because of their forcing me to do so as opposed to PHH stating that I was temporally suspending payments as my sole discretion.

Furthermore, I stated verbally and in writing to PHH that I would consider such reckless disregard to comply with this as bad faith and that I would be irreparably harmed. I received NO RESPONSE TO THESE LETTERS DISPUTING MY POSITION. 

Thereafter in late XXXX, I received payment notices and calls requesting payments. I responded to all PHH calls and letters with my position, asking for a supervisor to confirm. I received NO RESPONSE TO THESE LETTERS DISPUTING MY POSITION. 

In late XXXX, I was monitoring my ( and my wife 's credit score ) and noticed that there was a negative inaccurate notices from PHH. Once again, I called and sent letters asking for a PHH supervisor to contact me and I received NO RESPONSE TO THESE LETTERS DISPUTING MY POSITION. 

In early XXXX XXXX, I separately was in the process of obtaining a loan from a separate bank and was denied because my original XXXX ( which had me pre-approved ) dropped to XXXX SOLEY BECAUSE OF THE INACCURATE DELINQUENCY NOTICES PROVIDED TO THE CREIDT AGENCIES BY PHH. 

When I explained to them what happened, I was told this was a predatory lending practice by PHH and if their bank were to do so they would be sued and fined. 

I have now been irreparably harmed by their predatory lending practices and can not get PHH to engage on cleaning up their mess.
There is a fraudulent Department of Education account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere around  2014 and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with the ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in wh ich the Department of Education is not. Please remove all accounts from my credit report immediately. Thanks.
This company stores my sensitive data, hires a diversity hire as their Chief Information Security Office where her specialty is music composition, then they get hacked and rather than letting people know the execs sell their stocks. 

I use the equifaxsecurity2017.comXXXX to find if I was impacted and it says yes, and then they try to sell me a service to make a profit off of my visit to their website which is spurred by their incompetence in the first place.
It looks this DEBT COLLECTOR company CAPITAL MANAGMENT SERVICES, LP Has engaged in an ongoing collection activity even after Their sent me a letter stating they will cease all communications tactics as it goes for phone calls and mail, I just received from this company a letter in XXXX with a date as XX/XX/XXXX, It contradicts about the letter the sent to CFPB on XX/XX/XXXX. 
I stated once more the amount of {$900.00} they claimed I owed to XXXX XXXX Its been disputed, XXXX XXXX in its letter dated XX/XX/XXXX says did n't know the amount was disputed in XXXX, I will inquire a CFPB regulator to look into it, If XXXX XXXX  did n't know in XX/XX/XXXXwhy they still market this Alleged debt with another Debt collector company, I believe now XXXX XXXX has engaged in some violations to the FDCP Practices and the CFPB should fine them for those violations. They knew this alleged debt were dispute in XXXX. I 'm attach proper exhibits to support my claim. 


I will include on this letter a formal dispute with XXXX XXXX for the Marketing Tactic to have one or more Debt Collectors harassing me for a Disputed debt, I rejected it as a valid one.
I received a letter from the agency for a redlight ticket I paid in XX/XX/2017. They said the check was cashed but applied to another ticket of mine. I asked for proof of the other ticket because I never got anything from the town. Over the weekend we received a letter and a copy of a ticket for a XXXXXXXX XXXX  XXXX from XXXX XXXX Illinois. The letter says here is proof of your other ticket the letter was addressed to me but you can clearly see the ticket isn't mine. When I called to complain XXXX she said they were in there right to mail out the ticket and letter to me for Mr XXXX. I shouldn't have to pay someone elses ticket and it should have never been mailed to me at all
I recently noticed an OPEN collection accounts on XXXX of my credit bureau reports stating that LVNV has placed on my report as a " collection '' account. I was not aware of any such company that I owe a debt to. On XXXX XXXX, 2017 I 've sent LVNV a letter via certified mail regarding this alleged collection accounts they are claiming I owed. Asking them to validate my account by sending me evidence bearing my signature showing that I have ever signed a contractual obligation with them. Asked them to reply within 30 days of receiving my letters. Per my tracking system they received these letters on on XXXX/XXXX/17. On XXXX/XXXX/17, I noticed the accounts moved from OPEN status to CLOSED status with balances still owed by me apparently. I 'm very puzzled. It is now XXXX XXXX and I still have yet to hear from them with a reply of this contractual agreement bearing my signature that I am asking for. If they do not reply I will have to take the next step to exercise my rights. This is very damaging to my credit reports.