WillisBack/dataset-financial-user-claim huggingface dataset:
I have been dealing with XXXX XXXX XXXX as my student loan provider for several years now. I went with XXXX XXXX as I did not feel I had a choice. My issues with them first started in my senior year of college, spring of 2017. XXXX XXXX repeatedly called and demanded I begin to pay back one of my loans, despite the fact that I was still in school. I explained this was not possible due to that fact, and that I had chosen deferment until after graduation for all my loans. XXXX XXXX claimed I did not, and continued to harass me. They stated there was 1 loan, out of 5, that I had selected to pay while in my last semester. I told them that was a mistake, and that it didn't make sense given my other loans would not be touched until after graduation. They refused to work with me, and the loan started to build interest. After graduation, I began to pay as I could. I started working, but not a well paying job. I have made {$35000.00} a year since graduation in upstate New York. I still live at home with my parents due to this. Since graduation, XXXX XXXX has been nothing but uncooperative. They have raised the interest rates on each of my loans over 2.5 % over the past 18 months, and have set payment at 60 % of my monthly income. They demanded I pay {$1200.00} a month, despite the fact I only made {$2000.00} after taxes. This did not include the fact that I live an hour away from where I work ( 40 miles ) and was often stuck working weekends with no extra pay,  therefore gas costs also piled up along with my monthly car payment of {$400.00}. I have repeatedly asked XXXX XXXX to work with me, and they have refused. It has reached a near crisis point several times, with me falling into delinquency and them repeatedly asking me to pay more than I even make at that point ( i.e. asking me to pay all {$3500.00} I owe at once ). It reached its worst point yet this month when I learned I was losing my job at the end of the month. I called and requested to work with XXXX XXXX, when I told them I was losing my job on XX/XX/XXXX they said " how will you continue to pay us? '' and " why are you calling if not to make a payment? '' They did not offer to work with me. This is reaching a crisis point, I do not want my debt to continue to pile up. I have paid at least something just about every month, but I can not afford {$1200.00} a month plus rising interest rates.
My name is XXXX XXXX date of birth XXXX/XXXX/XXXX last four of my social are XXXX. I got a letter from a company regarding a debt owed for XXXX. I mailed out a letter to this company on XXXX/XXXX/XXXX requesting verification and validation of debt and to this day this company has not responded. I also informed this company I was disputing this debt and yet it had not reflected as such on my credit report. I sent this letter certified mail return receipt request and it was received on XXXX/XXXX/XXXX. This is direct violation of the FCRA and the FDCPA section 809 a and b. I will be seeking legal counsel to protect my rights and seek actual and statutory damages against you and your client. My credit rating dropped 70 points which has caused me XXXX XXXX XXXX. This could have been avoided if you would have followed the laws and not violated my rights. I am demanding proof this debt is mine. Something with my signature agreeing to pay this debt. I also want an itemized listing of what these charges are for. You are also an out of state collection agency and you must be bonded to collect in my state. I will be following up to ensure your surety bond is up to date.
Harris & Harris debt collection ( phone XXXX ) has called me repeatedly for several months over a debt apparently owed by someone named XXXX XXXX or XXXX. I have never heard of this person, I have no idea what this could be related to, and this number has been used solely by me for nearly 26 years. I have spoken to Harris & Harris THREE TIMES. Each time the person on the line tells me about XXXX XXXX, I say I don't know who that is, they say alright, your name has been removed from the list - and - shortly after that the harrassing calls begin again. The last time I spoke to them the woman argued with me and claimed it was the first time they'd heard from me. She said she'd removed my name from the list. I asked that a supervisor be informed of what happened so the company would know that something was not working and innocent people were being harrassed, and she just kept repeating that my name had been removed, and would not give me a response to my request that a supervisor be informed, saying that I could report them to whoever I liked. Really this is ridiculous. I hope you can help hold these people accountable. Thank you.
I received a forbearance by a gentleman on the phone who assured me that a forbearance would get rid of my late student loan payments ( which I could n't make because I lost my job ). On XXXX and XXXX he kept his end of the bargain and they deleted the past student loan late payments, but on XXXX, I am still showing as late. 

I was recently promoted at my job and will have no problems paying my bills on time Please update XXXX to not show the late payments as discussed in the forbearance and I will be satisfied and my financial future will be back on track. 

I have attached a copy of my XXXX XXXX credit report, dated yesterday that I paid for, as well as a close-up image showing the discrepancy. 

Thank you for your assistance in this matter, and I look forward to seeing the result showing as it should be properly reported per my verbal conversation with the representative at Great Lakes,.
The account is closed/charged off. This collection agency continues to make harassing calls and leaving threatening messages at my workplace and to my elderly parent at home. Also, the collection agency has been advised in writing, to contact me by mail only.
Amercican Collections Inc has repeatedly been harassing and intimidating when I have interacted on the phone with them. The manager whom I was transferred to after speaking with XXXX, threatened to call the doctor 's office I owe a debt to and tell the doctor 's office that I am not cooperating with the terms of the payment agreement. In XX/XX/XXXX, I was told as long as I pay the debt prior to the last day of the month, my account will not change. I sent a partial payment using my bill pay in XX/XX/XXXX and was waiting until I saw the payment post to my bank account to pay the difference. On the day the company received the partial payment, on XX/XX/XXXX, they called me and were telling me contradicting information regarding whether or not me giving them money to pay my debt was a problem. I started this payment agreement in XX/XX/XXXX and paid in XX/XX/XXXX. XX/XX/XXXX is not even over and they are threatening that they will have the doctor 's office collect the original amount. When they called on XX/XX/XXXX, I had already been planning on calling them to use my credit card after I saw the check post to my account, as I had done the previous month. Had they called me simply to ask me to pay the difference for XX/XX/XXXX instead of trying to berate me and pressure me, I would have paid right then. Instead they behaved discourteously. They kept using the word, " generous '' to describe the benevolence of the doctor 's office and I strongly feel the language they were using was meant to belittle me and to intimidate me and to make me feel guilt and shame, despite that I am paying this debt. They are behaving very badly while I am paying this debt. I do not deserve to be harassed and threatened because I am paying a debt. They have lied and misrepresented the information regarding the payment of debts. Also, my husband called ACEI after I called him at work and I was very distressed. When he called ACEI, he spoke with XXXX, who transferred him to the same manager. She disclosed sensitive personal information regarding the debt. She told him who the debt was from, how much it was and all information regarding the debt. To my knowledge, sharing that information is illegal and against confidentiality practices. They did not have my consent or confirm that he was my husband before sharing my personal information.
Got a call from a stranger ab out 2 weeks ago saying  that he can view all my business account information. I thought that it was just a scam but then he emailed me screenshots with all the transactions I have but under his login page. The I called Bank of America and after talking to the customer service for more than an hour, they finally found that my account is " mis-linked '' to someone that I have never met before!!! The lady told me that the case will pass to   " Privacy Department '' and they will investigate and get back to me soon.
As you can guess by reading this message, nothing has happened. All of my account transactions are  XXXX  in f  ront of someone I did not authorize to is bad. What 's even worse, that customer service lady is longer taking/returning my call despite of the few follow-up messages I left for her in the past few weeks ...
It has been 30 days, this highly disorganized CRA needs to finish the investigation and send me a complete updated credit report. It is amazing that BOTH XXXX and XXXX have investigated, removed the subject items and already mailed a report.
This debt is not mines i have a delete letter but its not being taken off my credit report at all i want it off,
I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on XXXX, XXXX and Transunion. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.
Transunion had two separate glitches XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. 

During these time I used XXXX to monitor my credit file. All of my inquires were removed during the glitches. The inquires were placed back on my credit report illegally after the glitches were discovered. I was not notified in writing 5 days after the inquires were added back to my report. I have called several times and spoke to representatives about this violation with no solution.
this debt collection company has placed on my credit reports that I owe {$2400.00} to XXXX XXXX. Ever since I canceled with XXXX XXXX the statements I received stated the debt as {$1900.00} which is {$480.00} less than what this debt collection agency has posted to my credit reports. The amount they are trying to collect is inaccurate.
On XX/XX/18 a fraudulent credit card was obtained with TD Bank NA. The card is an individual credit card account with {$5000.00} credit line. The account number is XXXX with a billing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. The account has had charges of more than {$400.00} charged between XX/XX/XXXX to XX/XX/XXXX. I have reported this fraud to the TD Bank requesting they close the account and initiate a fraud investigation and dispute resolution. The investigation is ongoing. 

Separately on XX/XX/18 a fraudulent credit inquiry was made by XXXX XXXX XXXX and it's unclear what accounts were established based upon this probe. I have left VM contact with XXXX, but have not received return communications from them. This issue is currently unresolved and no investigation or remedy is in the works.
Discover ( one credit card ) and XXXX  ( two credit cards ) have told me out of the blue they decided to make a business decision to close my wifes and my credit cards. All of my three cards were closed in the month of XX/XX/2018. We tried calling to request what we did wrong to only get a representative either not understanding why it was closed or just a flat answer of " the credit card companies aren't making money off you so they decided to close your account '' and it was a business decision. We asked for help from all the credit cards and asked if we did something wrong please let us know so we can avoid this in the possible future, but they didn't have an answer for this as well. 

One of my XXXX credit card I had for more than 12 years. Most of the times we paid our bills on time in full. A few times we had maybe less than {$2.00} interest charges ( attached statement summaries ). My credit score was over 800 on XXXX  before our credit card companies closed our accounts. The last major transactions we did were some credit transfers because we were trying to avoid being charged too much interest as my wife is a small business owner. We used our credit card with the various credit products the credit card companies offered and now we are being penalized. These companies offer credit line product that will cause us to lose out on our American dream of owning a home. We were planning on buying a home this coming year so I worked hard to keep my credit score close to 800. Also, I was planning on using my credit line to start up an internet business too. I lost a total of {$60000.00} in credit line. This was all in one month.
I WAS UNABLE TO FILE TAXES THIS YEAR BECAUSE SOMEBODY ALREADY FILED UNDER MY NUMBER. I TRIED TO GO CHECK MY CREDIT SCORE AND IT SAID I HAD ALREADY CHECKED IT .... I HAVEN'TTRIED WITH ANOTHER AGENCY AND WOULD NOT LET ME PROCEED. 

I FILED FRAUD ALERT WITH CREDIT BUREAU
For the past two or three months, I have been charged a {$15.00} fee. There is no description or reason listed for the fee on the monthly statements. I reached out to PennyMac and XXXX claims that I was late on my mortgage in XX/XX/2018 and XX/XX/2018. I have NEVER been late on my mortgage. I was participating in a plan because of Hurricane Harvey and as a result, I should never have been charged any fees, penalties, etc.
On XXXX XXXX, 2015 I received a collection letter from Enhanced ; for debt that had been deleted from my credit report in XXXX 2015 due to XXXX XXXX failure to provide validation. On XXXX XXXX, 2015 I requested validation of the debt from Enhanced Recovery ; still have not received anything. On XXXX/XXXX/15 I pulled my credit report and discovered that this invalid debt is being reported.
A bank in XXXX XXXX charges XXXX each time a customer goes to an ATM other than theirs. They only have XXXX ATMS, so this is extremely awkward. This is probably the case with other banks. They just got {$5.00} of my money this month, and last month. This is a fine bank, but really? 
Also, not that I have recently bounced any checks, but in the past when I did they charge a hefty fee, which is the case with any large bank, especially if they pay the fee. In order to avoid such situations, I have gone to Payday Lenders, who charge me less than the cascade of fees that would result if I did n't have them. 
So I would also like to give you an idea, that the big banks could just cover the fees and charge a XXXX % fee. For instance, once I was charged {$31.00} for the bank covering XXXX cents! Would have been better if they had charged me XXXX cents for that transaction. This then led to a cascade of checks that bounced. So the banks should be required to cover bounced checks ( within a reasonable range ), but not at these huge interest rates, because interest is what these fees amount to. Then payday lenders would be out of business automatically. In the meantime, to avoid the squeeze of the big banks, payday lenders are necessary. As I said, I am happy with my bank, but just want to have these changes in the law.
XXXX XXXX/Resurgent Cap is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to credit.
Hi - In  XXXX     2016 I o pened a credit card with  Citizens  Bank and I was under the impression that I had enrolled in auto pay. From  XXXX   2016 thr ough  XXXX     2016 I ma de additional payments which I thought cancelled out the auto payment - so I did not verify that  Citizens  Bank had successfully enrolled my account in auto payment. To my surprise I started receiving collection calls in  XX/XX/XXXX  from  Citizens  bank asking for a payment to bring my account current. I made a payment on  XX/XX/2016    so it surprised me that Citizens had sent me to collections to obtain a {$41.00} dollar payment for the  XX/XX/XXXX / XX/XX/XXXX  statement cycle even though I made a {$1200.00} payment.     On  XX/XX/2016    I noticed that I had received late fees o n  XX/XX/XXXX  &  XX/XX/XXXX  so  I called the  XXXX  number on the back of the credit card. They admitted responsibility for the error and waived  XXXX  fees. I inquired about the impact to my credit and after being transferred about  three  times I was connected to a representative in the credit reporting department and he assured me that there would not be a negative impact to my credit.     In  XX/XX/XXXX  I checked my  XX/XX/XXXX score and to my surprise my  credit score  had dropped from a  XXXX  to a  XXXX  fro m  XX/XX/XXXX  to  XX/XX/XXXX  du e to  Citizens  Bank claiming my account was past due. Over my whole credit history this has been the only late payment reported to the  XXXX  bureaus. This missed payment was not as a result of any financial hardships as I was making payments at the same time to other credit cards and loans - This clearly was an error on  Citizens  Bank and I am paying the price. This has resulted in my credit limits being effected on all my credit cards along with having the potential to hurt my future prospects of obtaining credit.     Over the last month I have carried on a extended conversation with the " office of the chairman department '' at  Citizens  bank. Unfortunately I received a letter that left me very dissatisfied - They pushed the blame on me and refused to reverse the adverse credit impact.
I dispute a fraudulent Parking ticket due 2 factors with the Parking agency to the fact where my vehicle was parking the address showing in the Ticket I received in the mail it doesn't exist also the ticket issue showed a License Plate I reported stolen to the Police department even I disputed the validation of the ticket with the City of XXXXXXXX XXXX, They never corrected the mistake done, even between their own employees conceals evidence Now I got a letter from one of their debt collectors threating me to intercept my tax refund, my registration place or my vehicle be towed. I would like the Agency to stop this debt collector threats and remove any collection activity because this alleged debt its been disputed due to be a Fraudulent Action. I'm enclosing a signed letter to them along well their letter I received yesterday and the copy of the Fraudulent Ticket Dispute Letter done back in XX/XX/2017.
On XX/XX/XXXX my son purchased a flight on XXXX for his college trip abroad on our Capital One credit card for {$1200.00}. When I looked at our credit card statement on XX/XX/XXXX @ XXXX it said the charge was declined. I called Capital One to find out what was going on as my son needed the flight information to give to his college, but they said the charge was declined and to make other arrangements. I went online and made other arrangements with XXXX to give to his college. I called Capital One back at XXXX just to be sure since there was a lot of money involved and I could still cancel XXXX. The second representative also assured me that the charge was declined and had fallen off and he could see that the XXXX charge had gone through. 

A few days later, on XX/XX/XXXX, I decided to check my statement and noticed that the XXXX charge was back on my card as of XX/XX/XXXX. I called Capital One to find out what was going on and to have the XXXX fee removed. They told me it would be easier to contact XXXX to have the fee removed. I called XXXX and they said they would refund XXXX the rest was nonrefundable. I called Capital One back to start a dispute since the information I was given by Capital One was wrong. They said my dispute was with XXXX, but I felt it was with Capital One. They said lets start by filing a dispute for the {$1200.00} with XXXX. I called back on XX/XX/XXXX to see how things were progressing but no information was available. 

I received a phone call from a representative from Capital One, on XX/XX/XXXX stating that XXXX was not refunding the {$1200.00} and that amount was being put back on my card. I asked for a manager and spoke to XXXX who is a manager located in VA who said she would investigate this matter further since I felt my dispute was with Capital One for wrong information. She said she would pull the phone records and get back to me by Friday XX/XX/XXXX. She didn't. 

The most recent letter I received yesterday, XX/XX/XXXX from Capital One, which again stated that XXXX was not refunding the {$1200.00} and that amount was back on my card. Again at XXXX I called Capital One and asked for a manager. After 62 minutes, I was connected with XXXX who said she would look into it but didn't have the ability to make any final decisions and refund money. She said a higher manager would get back to me within the hour. No one has called back.
Could n't use card with my payroll on it to pay my bills and buy things that was needed for home, i had late fees to pay and my phone was disconnected because of rushcard
XXXX XXXX on Equifax XX/XX/2018 No Contact Information Available I have no knowledge of this inquiry nor I had given authorization for such. Please remove. Thank you.
I signed up with Nationwide Biweekly Administration in XXXX of 2014 for them to be a service company to pay our mortgage every month. XXXX a month half of our mortgage payment is deducted from our bank account and sent to them to forward to our mortgage lender. On XXXX XXXX I received an email that they were having financial issues and suspending accounts but mine was okay. On Saturday, XXXX XXXX I received a letter that my account had been suspended. Today I called XXXX which was on the letter and received a recording that XXXX mortgage payments would be made but going forward we were responsible for our payments. Also, any remaining funds in trust would be returned to us. I am uncomfortable with listening to a recording and want an actual person to verify my account information. I also called another XXXX number that was on their website ( XXXX ) and XXXX answered who purchased some of NBA 's customers. He tried to get me to become one of his customers. 
I want my account deactivated and my setup fee reimbursed. As well as assurance that the money I sent to them in XXXX will be used to pay my XXXX mortgage payment. And any remaining funds returned to me.
Hello, Im submitting this complaint to XXXX XXXX XXXX. because this company keeps on calling me. When I finally picked up the phone to see who it was, it was that company XXXX XXXX XXXX. They told me that I owed in a XXXX XXXX credit card from XXXX XXXX XXXX dollars and that account was 2 years old and closed. This account doesnt even show up in my credit report so it doesnt make any sense for them to be calling me to try to scam me. This call happened on XX/XX/2018 when I picked up the phone. The person, s name is XXXX XXXX from XXXX XXXX XXXX. I want them to stop calling me for something that I dont owe. Thank you.
I have been making payments on time for over six years and my balance on all my loans is higher than the original principal balance from 2008. I am requesting a freeze be placed on my account and payment schedule until a full forensic review of my account can be conducted. In this same time period I had a student loan being serviced by XXXX and that loan is now paid off and the account is closed. I have significant concerns about the book keeping of Navient and I need an explanation of how my balance can be higher than when the account originated.