WillisBack/dataset-financial-user-claim huggingface dataset:
Due to my job requirements, I have regularly lived for various amounts of time in XXXX XXXX, XXXX, and XXXX, TX. While living in XXXX in the spring of XXXX, I was introduced to an attorney, XXXX XXXX, who was also know as " XXXX '', who billed himself as a collection attorney. I gave him some accounts to collect that belonged to a couple of my family members and myself. XXXX XXXX specialized in saving persons ' homes that were set to be foreclosed on, while not injuring their credit. What he would do is add the victims ' ( meaning me ) name to the title of the debtor 's home. Then XXXX would file a BK under the victim 's name ( again meaning me ) which would provide an automatic stay on any foreclosure for 6-12 months, allowing the borrower an indefinite time to stay in their house without paying a penny. He charged from $ 2,500- {$10000.00} for this service. I discovered this had been done to me after a couple of months and immediately had the BK dismissed and filed the appropriate ID Theft documents with the Government and the Court. XXXX XXXX eventually went to prison. But since XXXX, I have suffered with having a BK on all of my credit reports and having to pay higher interests rates, etc. or being denied credit outright. I have disputed this regularly with the credit agencies and XXXX XXXX, but XXXX XXXX just keeps reporting to the credit agencies that it is valid. If I ca n't get any relief from this complaint, my next step will be filing a lawsuit for damages, and I have had many.
On XXXX XXXX I opened a complaint XXXX with regard to Pro Collections and the original creditor XXXX XXXX Apartments ( see complaint for detail ). That same day I received the companies response " We will request the proof of the debt and mail to the consumer. The consumer can contact our office at toll free XXXX my extension is XXXX XXXX XXXX for additional assistance in this matter Thank you for your time and patience in this matter '' I called XXXX XXXX on XXXX XXXX for additional assistance as per her response to CFPB. When I explained the situation she lashed out and told me she is a bill collector, and not a customer service rep. She then proceeded to berate me, and told me that I needed to have my proof to her by XXXX XXXX. I told her I did not understand what she needed, and what and where should I send it to. I was very confused because per her response to CFPB,, I thought she was going to get information from the creditor. She continued to speak in a threatening tone throughout our conversation. At that time I asked to speak to her supervisor. She told me his name was XXXX XXXX and she had no intention of transferring me to him. I asked her why she would respond to the CFPB with one response, and give me a completely different one. She then hung up. I know this call was recorded, and I can not believe that even a " bill collector '' would talk to someone the way she spoke to me. I see that there are numerous complaints on the CFPB board about Pro Collections. I feel that they are threatening, dishonest and abusive. I am filing this complaint about XXXX XXXX and Pro Collections.
My credit score is being artificially lowered by these companies ' policies of having multiple credit report or score requests adversely affect one 's credit score. How? 

( 1 ) Searching for a home and shopping for the best mortgage/financing has generated multiple reports which they claim indicate some sort of " problem. '' We placed offers on XXXX homes - both failed their home inspections, so we did not purchase either XXXX - which generated more reports and lowered our score even further. 

( 2 ) Our report said we had a " too high balance-to-limit ratio '' on our bank card. It averaged {$2500.00} on a {$5000.00} limit. So we raised the limit to {$7500.00} which generated yet another report. 

( 3 ) We are actually pre-approved by a lender, but because it 's been hard to find a home within our price range, enough time passes that they will pull another credit report if we make another offer on another home. And then our score will sink once again. 

( 4 ) We have pristine credit, yet our score has dropped XXXX points in the past six months, all due to this bizarre policy. 

( 5 ) I went online to dispute this but they say, in writing, their " policy '' does not allow this to be disputed. So according to them, there is, therefore, no means to resolve this. 

( 6 ) We are now afraid to look for a house or financing for fear of lowering our credit score even further. This is insane.
Hello I recently I went to court and was ordered to pay XXXX XXXX XXXX XXXX {$320.00} for pro-rated rent. XX/XX/XXXX I have attached my proof to this complaint. The collection agency has put a crazy amount on all three credit bureau for XXXX. I do not owe this amount. I have already paid what I owed. I'm currently in the process of buying a home and this is impacting my process. I need the company to remove this collection from all three credit bureau 's. I need them to produce a lease with my signature for XX/XX/XXXX showing I owe this debt.
I have been out of school since XX/XX/XXXX and have made every attempt to pay back my outrageous student loans/interest. In order to help in my efforts, I enrolled in an income driven repayment program. Since I have made enough payments to be forgiven my loan debt I applied for forgiveness. I received a letter stating that though I made over 120 payments as required and work at the approved employment sites only TWO of my payments would count towards loan forgiveness because instead of paying {$55.00} ( for an example ) I'd pay $ XXXX because I rounded up. When I called to complain they reviewed it and sent another letter in XX/XX/XXXX stating my payments that were approved went from TWO to SIXTY because they only manually go over your application, versus the initial electronic review, once calling and filing a complaint. When I called to ask why only sixty payments were approved I was told it was because other of my payments made were only for the amounts I was billed, which means, for example, when I paid {$56.00} instead of {$55.00} for the month of XXXX and now my XXXX bill reflects a minimum payment amount of {$55.00} ( because of the excess change from the previous month ) instead of {$55.00} and I paid what I was billed, that payment is ineligible. Absolutely absurd and ill-informed about any rules or regulations. Nothing is on the site to indicate such and it is not common knowledge!
On XXXX/XXXX/2016 around XXXX EST I received a call from a XXXX XXXX at Deville Asset Management LTD in regards to my past due XXXX Account. I answered the call from work because we have been playing phone tag to request a call back in a hour when I punched out. XXXX XXXX than proceeded to tell me I never answer the phone, I attempted to explain to him I got in a car accident the beginning of XXXX. I was on my parents insurance and they do not wish to file a claim through insurance so my medical expenses are out of pocket. XXXX XXXX proceeded to call me a thief and began to get really hostile. I explained to him I am a single mother trying to pay off several balances, than he called me a liar!! I requested to speak to his supervisor who stated he was The Director of Collections. He told me he knows his colleague and there is no way he talked to me in that manner. He stated he would pull the call but I am not sure if that ever happened ; I explained to him I would be filing a complaint because there are ways to collect debt. I worked for XXXX XXXX XXXX for almost 5 years collecting on credit cards, single mothers, elderly, and individuals experiencing financial hardship should not be treated as criminals!! He said that was good for me!! A hour later I got a call from a supervisor and I advised her I would rather involve a third party and she got frustrated and disconnected the call. 

There are still MANY PEOPLE TRYING to rebuild there lives from the past recession and the DAILY financial war we battle DAILY!!! 

I communicated with XXXX XXXX in XXXX advising I would rather do a settlement option because I can not commit to an extensive payment program working as an independent contractor. I have student loan debt, liens, credit cards and much more. I am doing the best I can with an income under {$20000.00} per year!!
I requested that  XXXX  accounts that has been added to my  Trans Union  and   XXXX    credit be removed as that do n't belong to me.  XXXX  credit has removed the bogus accounts bu t Trans Union  and   XXXX   says per their investigation the information will remains and is verified to be accurate. I have never went to  XXXX   XXXX   XXXX  for anything and the collection agency says it 's back from  XXXX . So something I have no knowledge of that happen in  XXXX  is still on my credit that 's unrealistic. The following accounts are on my  XXXX  and  Trans Union and  they should be removed immediately :  XXXX   XXXX  {$800.00}  XXXX   XXXX  {$1700.00}   XXXX    XXXX  {$800.00} I have requested that these items be removed each month since  XXXX   XXXX  and each month I get a letter stating that items remain as has been verified, but noway could it be verified because I never have been to   XXXX   XXXX    XXXX  for any services EVER ... ....     Please remove items as they are ruining  my credit score .
I received an email from Experian on XX/XX/XXXX informing me that the regular XXXX credit monitoring service is being raised to XXXX. My next billing date is XX/XX/XXXX so I emailed them back ( XX/XX/XXXX ) to cancel the service. I have received no response as of XX/XX/XXXX so I called this morning, ( XX/XX/XXXX ). Upon calling I had to enter numerous pieces of info to be authenticated ( SSN, address, DOB etc ) at which point I was told I had no account to cancel and the automated system hung up on me. 

I tried numerous additional times to cancel and each time failed to either a ) have the account canceled or b ) to get through to an agent to cancel the account manually. After almost an hour I decided instead to contact my credit card company ( XXXX ) and have them do a merchant block, which they did. 

After searching online it is apparent than canceling with Experian is VERY difficult if not impossible.
Seventh Ave has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. Seventh Ave continues to verify the account with the bureaus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
We paid our loan via electronic payment through their website. Navient said that they received on their website, I called them to make sure they received it and they said yes. they then sent me a bill saying i missed my payment. the next month they charged me double. I made the payment and the same thing happened. they then said that they would fix it by just moving the payments to the end and i agreed to this, but in so doing they increased my payment. I think this was very unfair and filed the complaint. I then started to make the payments from my bank to them not through their website, I filed a complaint through the government student loan department. This caused alot of stress to our bank account and our family, though no fault of our own. I think their online bill pay service was intentionally faulty so they could charge the additional charges.
I get harassed all the time even when I 'm in school or deferred from XXXX..to evening..I owe a XXXX dollars now it 's a never ending struggle.I just want an end to this never ending cycle.with no help at all
I have been on time for over a year and a half and the late payments stated is effecting my approval rates for loans and credit cards so it is in my best interest to have it removed.
I have no affiliations with the National Credit Systems, so they must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate! I also request that all documents sent via U.S.P.S.
I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance was paid off I have been paying this Citibank credit card, original account # XXXX since XX/XX/XXXX. Almost 10 years later. Citibank still want to keep charging the same amount by Citibank was illegal and violated my rights as a consumer & my civil rights. I will list Below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending : 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. On XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX. 1 b. Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. Citibank Cycle of Debt : Citibank used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. They would encourage overdue borrowers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, Citibank would continue to pressure me into taking on more debt only making me paying mimimun balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balaance from them. I am sure you will find that Citibank created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). Citibank has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). Citibank want to transfer that to debt collector company Cavalry the amount of {$10000.00}. Citibank balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to Citibank around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
This is a long store, it started back in XXXX with a XXXX, the plaintiff decided he did n't like my insurance companies offer and took me to court. His car was a flood vehicle with XXXX miles on it and when it went to court, the judge awarded him {$1000.00} for his trouble ( NJ XXXX had offered him more but he did n't want that ). This little ding went into public records even though the insurance company paid it immediately. It was n't discovered until 6 months later when I pulled my credit rating which was in the high XXXX, low XXXX and found that Equifax had dropped my score over XXXX pts. I sent them evidence ( scanned payment from NJ XXXX XXXX and they would not accept it. It was n't until I hired an attorney and got the attorney from NJ XXXX involved that Equifax accepted the documentation. They would not correct my score, only stated that it would stay on my report until XXXX. Since I used to have a stellar rating I assumed that it would correct itself in time. That has not been the case. I have purchased multiple " XXXX Score and Rating '' reports from XXXX, Equifax , etc and every time, Equifax neglects to provide any information. When I contact them they state that my credit companies ( XXXX XXXX, XXXX, etc. ) must not be transmitting the data. I 've been to XXXX XXXX, etc. and they indicate the contrary stating they report monthly and always have. This back and forth only got this way after I had hired an attorney. It has now been almost 4 years and I still cant get the information I 've paid for nor the correct information. 
The incident numbers below are over several years, as I have been trying to resolve this for that long. I also hired an attorney to look into the issue and after his communications, they lowered my score. 
XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - XXXX XXXX - XXXX XXXX - XXXX
My mortgage does not show on my credit report and they are not reporting my payment history. Have perfect payment history for 17 years. Ditech has my mortgage loan.
I noticed that there are 8 outdated accounts listed on my credit report. I would like for these accounts to be removed by guidelines of the FCRA. The accounts that are listed are very outdated.
There was a judgment filed against me for default in XX/XX/XXXX. I was not notified or received any documents. I was not properly served or notified, therefore I could not defend myself. I did not sign an agreement to pay the debt collection company. They sent me an agreement I signed with car dealership that no longer exist, and on the agreement the debt collection company ( Lobel Financial Corp ) is not on the agreement, the original credit is XXXX XXXX XXXX.This is a third party debt collection company. Also the statue of limitations in California where debt was created has passed its maturity date. Lobel Financial has been garnishing my paychecks in XX/XX/XXXX. They have no right to collect a debt from over 10 years ago and I did not agree to pay a debt to Lobel Financial. They garnish {$280.00} from every paycheck. Also the judgement states I owe {$11000.00} but the attorney office of XXXX XXXX XXXX located in Hawaii states my debt is {$23000.00}. 

XX/XX/XXXX
I received a copy of my credit report and am disputing some items that need to be deleted. I have attached the disputed items on the attached copy. The reasons why these items should be deleted are indicated below : A. XXXX XXXX ..*********XXXX B. XXXX / XXXX XXXX *****XXXX C. XXXX XXXX /XXXX XXXX XXXX *****XXXX  D. XXXX XXXX   ******XXXX 1. Debt ( s ) has been satisfied 2. Statue of limitations 2012 one ( A ), ( C ) & ( D ) Pursuant to FCRA 611 ( a ) 15 USC 1681i ( a )
The debt collection agency listed below continues to contact consumer after being told to 'cease ' contact : XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXoll Free : XXXX : XXXXE-mail : XXXXXXXXXXXX : XXXX Contact : XXXX Email : XXXXXXXXXXXX XXXX : XXXXXXXXXXXX OfficeXXXX, XXXXToll Free : XXXXEmail : XXXXXXXXXXXXThe debt collection agency continues to contact consumer ( acct # : XXXX - XXXX XXXX XXXX ) who disputes owing the collection agency a debt. The consumer continues to receive letters from the aforementioned debt collection agency after notifying the agency ( in writing ) to cease and desist contact. Consumer wishes XXXX XXXX XXXX XXXX to 'cease ' all contact with consumer by mail and/or telephone after receipt of this dispute notification. Consumer does not owe a dept to XXXX & XXXX Services. Consumer has no fiduciary, contractual obligation to pay XXXX & XXXX XXXX anything. There is no payment history, nor products, or services that has been rendered to XXXX XXXX XXXX XXXX because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act, ( SSA ). Consumer is head-of-household and possesses no property of value. Consumer refuses to be a victim of 'unjust enrichment, fraud or extortion '. Consumer wishes to thank the Consumer Financial Protection Bureau ( cfpb ) for providing a venue of mediation, documentation and governorship over debt collection agencies that are under the jurisdiction of the Federal Trades Commission ( FTC ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). Again, thank you.
Bank of America XXXX. Misleading advertising. " Introductory APR '' " 0 % for 12 billing cycles '' One would think the card has 0 % for 12 months. However, fine print states that " Applies to any balance transfers made within 60 days of opening your account '' and it ONLY applies to balance transfers, not to purchases. Very misleading.
They have reported that I have numerous late 's and I have a letter saying that Its deferment and that nothing is owed. 

Acct # is XXXX
The debt was paid by the insurance to XXXX Hospital Please remove it from my credit it should have never being reported it was paid by the insurance.
Inquired about opening a checking account with XXXX XXXX, went in person to the closest branch to me, XXXX, CT branch, officially opened a Simple Account XX/XX/2018, account # XXXX. Communicated with XXXX XXXX, Financial Services Representative, over the phone, re : online transactions, cleared checks info, etc. learning this banks processes. On XX/XX/2018, received a call from someone from TD, did not obtain this persons name, advising me TD has  closed my checking account, effective in 30 days. TD would send me closing check. Information regarding this account was provided to me incrementally, their way of blindsiding a new customer, such a typical agenda with all these banks. DECEPTIVE practices, Federal Bureaus terminology. Will follow up to get a confirmation that this, in fact, is TRUE, and not FRAUD, etc. I informed this XXXX that TD would be on a 1-3 month trial with me, having mega issues with banks these days. They want to be assured that their customer will go into debt, taking out loans, collections, messing with senior citizens accounts. Same scenario across the board with all these banks. Frankly would NOT trust or have CONFIDENCE in any of their representatives with any of their advice. Pretty XXXX how these banks function. Add this to my file with CFPB. These banks want to have CONTROL of the customers money and can MESS with their accounts, so apparent with XXXX XXXX, now in a {$140.00} million class action case, particularly preying on SENIOR CITIZENS. Many of these employees, if they are employees, are busy, nosy busy bodies, maybe a snitch for someone or XXXX knows what, not a comfortable relationship when doing banking.
Midwest Recovery System  are attempting to collect a debt that I have no knowledge of. I contacted this company to ask questions about this account. She told me that the account was opened on   XXXX   XXXX   XXXX    . She was n't able to give me much detail about the account. All she knew that it was from   XXXX   XXXX  . I had never heard of   XXXX   XXXX  . I stated that I wanted to look this company up to get some information because I had no knowledge of this account they are trying to collect on almost 7years later. She tried to offer me a settlement, I would n't accept the settlement because I was n't taking responsibility for the account that I had no knowledge of.