WillisBack/dataset-financial-user-claim huggingface dataset:
starting around beginning of XX/XX/XXXX I started receiving phone calls from a company called Midland Credit Management. this company has called my parents number leaving multiple messages ( I have never used my parents number for my credit applications ). I called and spoke to a representative and explained to them that they have my contact information and that they are to only call the number for me that I have on file and to not call my parents home again. now starting XX/XX/XXXX, XX/XX/XXXX and every other day from then on they have called me and told me they were going to sue me and take me to court. they have now started calling my brother starting XX/XX/XXXX and XX/XX/XXXX 8 to 9 times a day until he finally answered and they assumed he was my husband and stated they are looking for me. I called the company again and told them that they are not allowed to call every family, friend or work to state they are looking for me. I also told the company to mail me proof and documents of the account and balance as to which I have yet to receive. then I was told I was being discriminative towards him because I refused to let him get a word in edgewise and I was very upset over the harassment they are giving my family and friends. I do not know how legally they can look for anyone associated with you and continue to call them and harass them. this company has pushed the limits with harassing calls and threats of suing me. I have done research on this company and they have horrible reviews and they are considered a third party entity. This company should be addressed and shut down for the harassments and threats they have made to numerous people. I refuse to work with a company that can not prove anything about a debt or even prove that they are legit.
I get XXXX calls a day eveyday between Monday and Friday and i am paying my bill every month and i am to the point that this is harrassment. I want it to stop. They leaving constant messages calling from all different numbers.
I 've disputed this account twice. Each time they have not deleted the account as requested but instead update the account as a new debt. Which harms my credit worthiness and character. I disputed the account in   XXXX   XXXX   XXXX     and again this year in  XXXX . After the first dispute I received no reply from the company only and updated credit history with a negative reflection on my credit. After  XXXX  's dispute they now send me a bill. The account does n't belong to me. Yet, they are asking me to pay  XXXX .   I do n't know if the company is  Pinnacle or Resurgent  as I have one company listed on my credit and the other sending the letters.
I received communication from this company over a year ago after paying the amount specified I was informed that the debt would be considered paid in full and removed from my credit report. The debt was only removed from my XXXX credit report and is still being reported to my XXXX and XXXX credit report after contacting the company they advised that they will update to have them removed in again almost 60 days later nothing has been removed from my credit report
XXXX   XXXX   XXXX   did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they m ay be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted i n a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against   XXXX  , Experian &  XXXX  for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   XXXX   did not reply.
I HAVE PAID MY CAR LOAN. 
I DO N'T OWE.
I have several accounts which are still reporting late payments when i always qualified for deferments or forbearances and can show i was receiving public assistance during those times and account should not be showing late payments, and i see duplicate accounts being reported
To whom it may concern : My name is XXXX XXXX and in 2013 I had issues with an apartment building I was living in and it left me with debt on my credit report. I recently paid off the debt and it was removed from my credit report. XXXX XXXX was the original creditors and they sold my debt to XXXX different collection agencies. I have disputed the errors with credit bureaus and they have not had any success with removing the debt. The collection agency is called the National Credit Systems.
I am showing on my credit report that I have a debt with Credit World Services Inc. for a XXXX bill it is not mine. I tried to get in contact with the company and it is impossible, I need to get this resolved. PLEASE
On XX/XX/XXXX I tried to access my free Equifax credit report via XXXX. Like last year ( XXXX ), I did not get my report but someone else 's when I tried. I've emailed XXXX  and called Equifax. This issue has never been solved. The confirmation number XXXX gave me is # XXXX if this helps.
On XX/XX/XXXX I filed a complaint against and individual who has been trying to sway me to use his lender/mortgage company to close on a house. I refused to use his service because this individual is acting as the construction company owner for the home and as a mortgage lender as well. He has been pressuring me to close on a home today XX/XX/XXXX. I was ready to close on my behalf but he stalled documents and is refusing to take ownership on the delay of the closing date. He was not ready to close today XX/XX/XXXX. He keeps harassing me to use his mortgage company that do not want to use for personal preference. It is my right. I am well within my rights to use a lender of my choice. He has a conflict of interest in this matter and I have documents supporting everything. I just want to close on my home the way the deal went. He does not want to help with any problems along the road such as property value adjustment, Rate lock charge I have acquired because of this delay and he says he will not help me unless I use his preferred lender. I just want to close on my home. 


The individual acting on this matter is XXXX XXXX Mortgage Banker XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX
I have a problem with information on my credit report and they ( TransUnion ) refuses to remove something on my credit stating it was accurate. Dr XXXX has put on my credit report that I have bad credit. Let me tell you what happen, In XX/XX/XXXX I went to see Dr XXXX, I did not like him and I didn't go back to him. Weeks later I recieved a bill, I had call Dr XXXX and told them I had insurance and ask them why they did not file to be paid , Dr XXXX nurse told me I had to file for it for them to get paid! I never heard of such any time you go to the doctor they file for you, so they can get paid. I as a consumer did not know how to file because they use XXXX codes to get paid, I called the nurse back and she told me she didn't have the time to file for me and that I needed to learn how to file and hung up on me. I again called the office back and she again told me the same thing and hung up on me. How this is on my credit report and I want it remove. I contacted TransUnion file a complaint and it took 1 month to investigate this matter and they told me it was accurate, this isn't fair. A clinic visit is now {$900.00} and I'm being called everyday three and four even 5 times a day screamed at talked to like a dog. Because his nurse refused to file my insurance, now they have change the date so it was XX/XX/XXXX and now they are saying XX/XX/XXXX. TransUnion is not being fair they gave the people my phone number to call me and harness me. It all started with XXXX XXXX. How do I file a charge against them for doing this to my credit and me?
Complain about Credit Reporting Agency TRANSUNION : XXXX Credit Card provides XXXX Score on the monthly statement. My XXXX Score dropped drastically ( XXXX POINTS ) within one month ( from Excellent in XXXX and XXXX XXXX to Poor in XXXX XXXX ). I contacted XXXX XXXX and they informed me that the XXXX Score is provided by TRANSUNION and I must contact them. I first acquired a copy of FREE TRANSUNION CREDIT REPORT. There were no major changes between XXXX or specifically from XXXX XXXX to XXXX XXXX in any of my financial activity. I called TRANSUNION and XXXX spoke to an individual named XXXX ; he informed me that XXXX XXXX actually provides customer records to TRANSUNION and based on TRANSUNION feedback, XXXX determines credit score for the statement. Therefore, I contacted XXXX XXXX again and was informed that this is absolutely not the case and only a CREDIT AGENCY such as TRANSUNION would provide the credit score. I called TRANSUNION again and spoke initially to a XXXX ( I think ) and subsequently to SUPERVISOR XXXX with EMPLOYEE ID XXXX. I again explained the situation and shared that I am trying to understand what caused such a drastic Credit Score Change within one month. THEY WERE COMPLETELY UNABLE TO ANSWER THIS QUESTION AT ALL AFTER BEING ON HOLD AND LONG DISCUSSION. All of these folks ( XXXX, XXXX, & XXXX XXXX seemed to be within INTERNATIONAL CALL CENTERS ; I am not against this at all and support this business practice if appropriate. However, at this point I wanted to speak to SOMEONE higher on the ORG CHART IDEALLY WITHIN XXXX to help with such an important issue ( CREDIT score going from Excellent to Poor within one month causing issue in getting a Loan ). XXXX stated that they do not have the capacity to elevate this further or even possibility to transfer to someone within XXXX for further discussion. IT IS BEYOND UNACCEPTABLE that an AGENCY working directly with / for the XXXX GOVERNMENT and impacting XXXX CITIZENS so seriously with something as important as CREDIT SCORE has NO ONE who can provide appropriate explanation on their methods and / or elevate the issue to appropriate customer service MANAGEMENT within XXXX. I also do not appreciate having to provide my social security number and such key information in current cyber environment so many times to so many people outside of XXXX ( or even inside XXXX for that matter ). I am beyond frustrated with first trying to understand the reason behind the actual issue and subsequently the bigger issue of sensitive information exposure, credit scoring methodology & associated impact to XXXX XXXX, and complete lack of CUSTOMER SERVICE or RESOLUTION of any kind. I also intend to contact the attorney general, any government agent XXXX senator / congressman ), and finally news agencies if necessary in attempt to arrive at appropriate conclusion for myself and ensure others are not similarly being " screwed ''. Please contact me with effective feedback and resolution as soon as possible.
I sent {$6100.00} to Coinbase by wire transfer from my XXXX XXXX XXXX account on XX/XX/XXXX.  Coinbase is located in the XXXX with a bank located in XXXX that should receive the payment. 

The balance has not shown up in my Coinbase account still, and today it is XX/XX/XXXX 

I have made numerous attempts to contact and speak with customer service who keep saying that they are going to put a specialist on the case. They have told me this three times. I have used both their online form for submitting issues as well as emailing them directly to ask about a status update. No response whatsoever.
I did NOT authorize all these charges to my credit card. Please REMOVE this XXXX from my credit card. I DO NOT want this service. There are XXXX charges which should be credited to my Credit Card. Thank you, JC Penney Card Holder.
I applied for a XXXX XXXX card during a mental illness episode and never used it until XXXX. When I did use it, I used it correctly and paid it regularly. My balance ability to use the card was increased from 300-500. Following the episode, literally the following day, I paid the card off completely. 

In XXXX, I applied for another card and was approved again for XXXX. I used that car to pay off housing debt to move into an apartment with college friends. I had a balance of XXXX when I was then released from my job with XXXX as an XXXX of XXXX. Actually, I was never XXXX XXXX XXXX, I was XXXX XXXX XXXX. 

Anyway, I still paid that card off and it was paid completely. however, to this day, they refuse to take it off my credit or compensate me for their fraudulent behavior. My credit score was steadily increasing, I have copies of my XXXX and Equifax reports dating back to XXXX when I was re-establishing my credit. 

They still refuse to fix the damage they have done. Due to their negligence, my ability to establish my entertainment legacy, agency, and business has suffered immensely. It actually almost kept me from going back to XXXX XXXX to finish my XXXX.
I purchased a home in XXXX XXXX, Minnesota through an FHA loan with Wells Fargo. I was relocated for my job and listed the house for sale through a realtor. The house did not sell and my only option was to rent out the home. I had various tenants rent the property and the last tenants damaged the home beyond its value. I took them to court to evict them but unfortunately after they moved out of the property I was unable to locate them therefore I was unable to recoup any damages. I contacted Wells Fargo and spoke with a loan counselor. I was instructed to go through the short sale program and I then sent in the necessary paperwork. I was contacted by a representative at Wells Fargo saying my short sale request had been approved and to put the home on the market at a price Wells Fargo set. Months later I received a letter from Wells Fargo saying the short sale request had now been denied and that Wells Fargo already started foreclosure proceedings. I was informed that there was nothing else I could do. About a year later, I was contacted by a representative with the National Mortgage Settlement Administration and was told I was eligible to take part in a class action lawsuit against Wells Fargo for mishandling the short sale and forcing foreclosure upon the property. Wells Fargo admitted wrongdoing and lost the lawsuit. Over five years later, I am now trying to obtain a new mortgage and am being penalized with loan options because Wells Fargo is still reporting the loan as a foreclosure with a balance owing. I have asked Wells Fargo to look into how the loan is being reported to the credit bureaus and sent the appropriate documentation to them. I was contacted by a representative from Wells Fargo saying that they looked into it and it is being reported correctly. After I questioned the decision, the representative told me she did not look at any of the documentation I had sent. She told me she would reopen the case and get back to me. I have not heard from this representative or anyone else at Wells Fargo in ten days despite leaving numerous voicemails asking for a response. I am requesting help from the CFPB to assist me in getting this information corrected on my credit report so I am able to obtain a new mortgage and have the options available to me that I would otherwise qualify for. My credit and personal financial situation have suffered due to the wrongdoing and mishandling of the loan by Wells Fargo.
XXXX is owned by Windowrock. XXXX was assigned my mortgage in XXXX XXXX. XXXX is requiring that I pay {$400.00} per month in escrow and refuses to cancel my escrow account or even talk with me. My escrow per year is XXXX. My escrow account has {$3000.00} in it. I want a refund of my escrow account and to stop paying escrow. my account number XXXX.
I filed bankruptcy and was awarded a discharge in XX/XX/2016 and it says discharge was XX/XX/XXXX. I called the office and says they dont speak to consumer companies so how did they verify wrong information. I ask to have the contact person information and never got answer just court general phone number
Experian Credit XXXX - I have ordered my credit report online and had it delivered. I think start a dispute online and it will not allow me to do so. Every phone number listed is automated service and no link to customer service to find out why I can not dispute online. This gives me the only option of ordering thru XXXX Postal Service and that would incur another charge. XXXX has done the same. 
This is borderline fraud activity.
Pinnacle Credit Services , LLC sent a letter out with a XXXX IRS form notifying me of my " cancellation of debt '', and that it is being reported to the IRS as income, which I now have to pay taxes on. Problem is, I never owed them or the original creditor they claim they " bought '' the debt from, anything! This was the first time I was even made aware that this shady company even had a " collection '' against me! 

Even the original creditor, XXXX XXXX, confirmed that I have never had an account with them, therefore I could n't possibly owe them anything, or the collection agency they use ( which is Pinnacle Credit Services ) and said " something is very wrong, but they ca n't do anything to help, since I do n't, or never had any account with them that they could even go off of to see how Pinnacle Credit Services even got my name and/or SSN! 

So now, I have to file forms with the IRS for Tax Fraud against this company to prevent them from claiming they forgave a debt which is taxable. 

They refused to have any conversations on the phone, and after several hours of calling them and being put on hold every time until they decided to just hang up the line, my only recourse at the moment is to file complaints. I 'm now in the process of filing with the Mn. attorney generals office, the XXXX attorney generals office, as well as filing Identity theft charges against this " company '', as well as trying to get them to delete their fraudulent reports on my credit. 

They at no time have ever contacted me about this " debt '' and will give me no information as to original account information from the original " creditor '', no date at which they " bought '' the debt, and no information as to how they have my personal information when the " creditor '' they listed as being the people they " bought '' the debt from has no idea or account information regarding this so called " debt '' in any of their records! 

This company is a fraud, and is committing a crime, and I 'm not the only one they have done this to, and are doing it to as this is read. 

I was advised by the XXXX. state Attorney generals office that they would start an investigation into this company for identity theft on a broad scale if more people having these issues would contact them and file a report and make them aware of what 's going on ( not like they do n't already known, a simple search of the internet will yield numerous complaints of this very thing! ) but seeing this company ( Pinnacle Credit Services ) is a " LLC ( limited liability company ) operated by several small shady law firms, I 'm sure someone up the political tree is getting their palms greased and they will go unpunished.
they are overly charging me for for cleaning. they are charging me a XXXX dollars on top of the XXXX $ paid to them. I do n't think that injust because they say that they want this money that they should be able to put this on my credit report I lived in a XXXX sq ft duplex that I defiantly can replace everything in the house for XXXX $ the deposit that was they with held. They are overly charging me. and this big amount is keeping me homeless. because no one will rent tome because I owe XXXX XXXX an in proper amount that they are being no help to. first off all this duplex is a box they only thing came with the duplex was a refrigerator and blinds and walls. I left the kitchen exactly how I got it and they bathroom to no damage to anything so I do n't see how replacing a few blinds for they window and maybe painting the walls again can cost XXXX dollars I lived there more then a year in a half so of course the walls would need to be painted
Capital One refusing multiple requests for paper statements & status of claim filed with previous account holder ( XXXX XXXX XXXX ). Capital One is strong arming me into submitting them copies of drivers license, birth certificate or other copies of sensitive, identifying information. I refused, requested account be closed ( they refuse to confirm whether or not they've closed my account ) & questioned their claims of security due to them possessing the account less than 24 hours. ( I called the day capital one took over XX/XX/XXXX this year ). I will not submit these sensitive documents. I never had an issue when XXXX XXXX XXXX held the account. Regardless, every time I call inquiring about paper statements representatives ( 6+ so far ) keep repeating their demand for these documents & tell me they " will not address ANYTHING regarding account until they receive '' said documents. Total shutdown. I JUST WANT PAPER STATEMENTS, I don't know what my balance is, interest rate or minimum payment due. I JUST WANT MY PAPER STATEMENTS & capital one is refusing. 

I didn't ask to be Capital One customer, nor did I agree to their terms. However, denying me paper statements is unethical & irresponsible. Capital One wasn't too worried about security/fraud when they issued me their credit cards & cashing the guestimated checks I've been sending them in the mail. I JUST WANT PAPER STATEMENTS so I can pay them off asap & be done with them.