WillisBack/dataset-financial-user-claim huggingface dataset:
When i was  XXXX   XXXX   XXXX  i applied for a credit card a t TJ Maxxs (  mastercard ). They approved me for the credit card and gave me a near {$5000.00} credit limit. I was only  XXXX   XXXX   XXXX  and had no credit or income. Thoughout the years my parents, without my knowledge, used the card for expenses. The banking statement was sent to my mothers house in  XXXX , i lived in   XXXX   XXXX   at the time for school. I am now  XXXX   XXXX   XXXX  and in law school, the payments they require me to make are extremely high. I can not afford them because i am in school still. I have been doing some research and found that the issuing the credit card cant be given to anyone under  XXXX  without a co-signer and proof of income. When the credit card was issued they never did an income verification nor did they request a co-signer. I want to know how i can close this account without becoming liable for the amount due which is now near {$4000.00}. I have not used this credit card in years, the balance was from negligence of my parents as i stated above.
I have never done business with Midwest Recovery System. I do not have a signed contract with Midwest Recovery System. I did not receive any notice before Midwest Recovery System inserted a debt in the amount of {$240.00} in which they claim I owe. Due to these factors Midwest Recovery needs to remove this debt from my credit reports immediately.
I received a notice on XX/XX/XXXX from Collection Bureau of America regarding a collection for {$140.00} with the creditor listed as " XXXX XXXX ''. 

I ended service with XXXX XXXX in XX/XX/XXXX and, to the best of my knowledge, my account was in good standing at the time I ended service. 

I contacted Collection Bureau of America via Telephone on XX/XX/XXXX and requested documentation to support the collection. The telephone representative told me they would send documentation within 20 days or they would remove the collection. I received no response. 

It came to my attention in XX/XX/XXXX that there was negative information regarding an outstanding collection on my credit report, so I contacted Collection Bureau of America in writing on XX/XX/XXXX requesting documentation to support this collection. I received a letter from Collection Bureau of America on XXXX including fraudulent documentation to support this debt. The fraudulent bill was dated XX/XX/XXXX, but it was sent to my current address ( we did n't even put an offer on this house until XX/XX/XXXX ). In addition, the amounts listed on the bill did not add up properly. The service period was listed as XX/XX/XXXX-XX/XX/XXXX ; however, the date of the charges was listed as 3/26/2015. The amount due was registered as over 120 days late ( even though the charges were dated AFTER the statement date ).
Experian blocks access for their Free Credit Report on " XXXX '' forcing one to go to their website where you have to pay. I have tried for several days to get my personal Experian Credit report. I Have XXXX and XXXX credit score with XXXX and XXXX. Experian reported my score as XXXX to a lender and claimed that I have a lot of negative mortgage history which is untrue. I think it is a scam to force people to pay them to get a credit report. I am sure others are having the same problem. They should be forced to refund all cost to those who were forced to pay them.
After hurricane Irma I called my mortgage company ( Ocwen Loan Servicing ) to get my mortgage payments ( {$750.00} ) pushed back for 3mnths. When XXXX rolled around they told me my payment wasn't able to be pushed to the end of the mortgage and I'll have split those payments that weren't made up over the course of the next six months along with the monthly payments which brought the payment to {$1300.00}. I explained to the bank that I have a lot of damage from Irma and that payment is going to be impossible for me to do along with repairs to the house, so they tell me to apply for a modification. I applied for the modification with the UNDERSTANDING that I didn't have to make any payments until the review is finished. I received the denial for the modification on XX/XX/XXXX and the reason for the denial is because I was 90 days past my mortgage. I called the mortgage company and spoke with a lady who now tells me in order to get my mortgage caught up I'm going to have to pay {$1500.00} over the next 11 months. After speaking with the mortgage company I called XXXX XXXX XXXX XXXX. My mother sent your information last night. I've been in my home since XXXX.
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
when i booked my XXXX XXXX ticket via XXXX website i was asked if i wanted {$200.00} off the ticket and XXXX extra miles when i charged {$2000.00} dollars on the new card. so I applied and was accepted. When i got my new statement on this new card that show the airline ticket purchased. I was told no {$200.00} credit of first XXXX XXXX ticket purchased and that i would not receive the XXXX bonus miles either. due to my having an existing XXXX XXXX  Citi bank issued credit card. I might point out that no place on XXXX XXXX website did it say for new card holders only. there refusal to grant the credit amounts to bait and switch and really is upsetting. Please order Citi Bank to live up to the offer they made made me on XXXX XXXX website. Had they not offered the {$200.00} on my first ticket with the new card i would have booked a much cheaper flight the the one i booked
Credits , Incorporated XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, Oregon XXXX. Phone XXXX or XXXX has been repeatedly attempting to collect a debt, they initially purchased from XXXX XXXX. I had {$3.00} in my XXXX XXXX Checking Account. XXXX XXXX accepted a debit charge against my XXXX XXXX  Checking Account in the amount of {$250.00} & have since added {$7.00} in interest charges for a total of {$250.00} ( they took the {$3.00} in addition & the balance of the charge to XXXX XXXX was {$250.00} ) they claim I owe them. I do not have overdraft protection & specifically opted out of that offer. I never approved the purchase. Why would XXXX XXXX accept a charge of {$250.00}, when my account only had a balance of {$3.00}?
Equifax is reporting an account that was paid in full as a delinquent unpaid account. I paid XXXX XXXX XX/XX/2017 in the amount of {$70.00}. Equifax still has the account shown as open bad debt. According to the FCRA, credit bureaus are required to update accounts within 30 days of activity. The status of this account has caused me to be declined for other utilities.
cfpb, Portfolio Recovery Associates have been on my credit report for quite some time now reporting an alleged debt of {$650.00}. I have sent them debt validation letters several times requesting " original account-level documentation '' and it went unanswered. Completely ignoring my request as to the validity of this debt. 

Portfolio Recovery Associates is also reporting to the XXXX, XXXX XXXX and XXXX credit bureaus as " Late '' and also protruding themselves as a " Factoring Account Company '' rather than a Collection Agency in their true name. " Factoring Companies '' are companies that buy corporate accounts receivables that are not past due. I XXXX XXXX is not a business and did not factor any receivables as I have no receivables and no relationship with this business. Portfolio Recovery Associates are calling themselves a factoring company and not a Collection Agency, giving themselves automatic rights to report a collection as a revolving credit card account thus allowing them to report late payments and report the account as open rather that closed.
XXXX XX/XX/XXXX ( 1 yr, 6 mos ) Account status My identity was stolen I want to resolve this issue by not paying anything and having this remove from my credit report thank you. 
-- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have a dispute in progress XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
I was steered by XXXX XXXX XXXX to take out student loans through Sallie Mae ( i.e. Navient ) that totaled roughly {$16000.00} at the time I graduated with an XXXX XXXX XXXX in 2007. At that time, I was told that the only work in my field ( XXXX ) that I was qualified for was as an unpaid intern ( at multiple job interviews ). I have never worked in my field of study, and sadly, I never will. Through the next few years I struggled financially, and Sallie Mae was more than happy to grant me a forbearance, never telling me that I could have qualified for income driven repayment that could have saved me alot of money. My current payoff is now over {$33000.00}. I contacted Navient last year and offered to pay off the original debt, but they could not be swayed to forego the ridiculous amout of interest accrued ( and still accruing ). Thank you.
I have repeatedly asked Toyota why my lease payment changed from {$390.00} to {$400.00} and also to waive accumulated late charges on account totalling {$420.00}. I have asked repeatedly why my monthly payment increased. The late charges occur because I missed XXXX payment cycle waiting for increase explanation.
I had a very unusual situation with Toyota Financial Services as XXXX lost a trade in car and Toyota ultimately held me responsible for it. We made a deal for a partial payoff amount to satisfy the debt but they have not accurately updated my credit reports as agreed. They are showing that the account is now closed but that I was delinquent in payments. This was not what was agreed when I paid them.
I am in disagreement with the resolution or response provided by CIG with regard to my claims. CIG claims that the XXXX XXXX or " XXXX XXXX '' agreement was signed XX/XX/XXXX. However there is a separate contract date that I have been asking them to look into all along as well. About two weeks after the original agreement they had me sign a contract after the one provided stating that " the Finance Company '' assuming CIG had changed some of the terms. They indicated that I would receive a copy of the new one in the mail yet nothing was ever received. At the time I had no reason not to trust these finance people of any of then for that matter since I had already taken the car home about two weeks earlier approximately. SOme days after I get a call from CIG saying that my original 1st payment should have been due in the month of but was due XXXX but instead I had insisted. 

Additionally, their response states that they are not required to notify or inform a customer of that kind of action or decision ( repossession ) but yet XXXX XXXX kept constant communication via email to me regarding making a payment and other things but yet somehow this type of information wasn't important to have delivered to me? Its ridiculous to imagine that a loan company would not be obligated or required to notify customers of such actions especially if there is on going conversation via email??? How is that even legal or moral?? Not only did this happen once, it happened twice and she didn't think it important to tell me the status of the delinquency and actions that were about to take place?? 

Additionally, they have never investigated any change in interest rate that I have mentioned or referred to. I am requesting that a record of all notes and interest rate changes or fluctuations since the very inception of this loan be reviewed because something is not right. 

I would also like to know why they have failed to respond to my CFPB complaint filed XX/XX/XXXX as it remains open? Am I lying about that too? There have been clear violations or privacy that things you have done that are against the abusive collection practices and you refuse to acknowledge or even respond. What about the XXXX that has never been provided since you are a debt collector. Is it legal for your company not to respond for years??? 

I have been bringing up your shady business for years now and it all seems swept under the rug and nothing is resolved to my satisfaction nor is anything fair. I have filed other complaints with CFPB and the Ca Dept of Business Oversight, XXXX and the Attorney Generals office about every single one of the complaints that I have brought up to you and has not been resolved satisfactory. Debt collectors abusive acts against customers is unlawful
I asked Navient to submit my past payment information to a forensic accountant/lawyer who I hired to review the charges to my account and they have refused to do that. 

I make payment for almost 14 years well beyond the due amount every month for years, which should have cost the balance to drop, but it has not. I want this forensic to compare the payments I did from my bank accounts to this company and make sure I have not been taken advantage. Navient, which is former Sallie Mae has refused to do so. 

I want all the information to be sent to XXXX XXXX
I have received multiple calls from an agency claiming to be a debt collector. I do believe they could be but have yet to have them identify themselves in any way other than over the phone. They seem to have my name and now *definitely* have my address and month and day of birth. All I have is a phone name, phone number, address and repeated requests for my banking information. I also have him accusing me of not being willing to work with him to resolve this debt. I tried several times to get him to understand that I would not be giving him any banking information over the phone and he jumped right to me refusing to work with him. I think he finally understood that I was going to set up an automatic payment to his company via my bank. I did ask him to prove to me that he was indeed who he said he was and that he was with a legitimate debt collection outfit. He offered me a phone number to Bank of America instead. At some point I told him that I was aware of the Fair Debt Collection Act and that he should read it. He also insinuated legal action in an earlier call this morning as well as after I told him I would not be setting up an automatic withdrawal through his outfit. I told him again to send whatever information he wished to me via XXXX again. He then insinuated legal action by saying that if the XXXX of every month was good for me he needed to give me an extension to avoid legal action. After more of this, I told him things were getting weird and that we were done speaking. 

I get that I owe money. I, like so many other Americans, have fallen on some really XXXX hard times. I am proud to say that I have not had to resort to going back on XXXX AND that I have a freaking job FINALLY ( XXXX ). I am a single, now-working-dad living at home with his XXXX year old Mom. All this after a crazy-making contentious divorce. I am trying to get my life together and having additional and unnecessary drama created in so doing ai n't helping me OR untold numbers of Americans. I honestly hesitate to even file a complaint because I am and have been quite discouraged with how much ever day normal people have to contend with from a lack of any protections. I want to do the right thing. I am trying. And I almost fall for what could be a total scam? For the love of giving the people a bit more power than we are lead to believe we have, DO SOMETHING. I am lucky as I have learned through, quite honestly, bad choices, to advocate. And I am trying!!!
I was injured on  XXXX   XXXX ,  2016 . I made my  XXXX  loan payment, but called Prosper to let them know I could not make full loan payments until I recovered from  XXXX  and went back to work full time.   The prosper representatives I talked to promised a " program '' that might allow me to move my payments to the end of the loan, but only after making  three  additional payments. It sounded suspicious, so I questioned them very carefully. This program was a lie. No such program exists. They only admitted this after suggesting I borrow from friends and family to make these " qualifying '' payments. Lies may not constitute fraud, but I was lied to, outright, in an effort to bilk money from my family while I was injured and unable to afford anything.
My daughter has informed me that she has contacted this company informing them that I did not sign for this loan and knew nothing of it, which I informed them of a few years ago when I saw this XXXX debt listed XXXX times on my credit report. This company keeps holding me liable for a loan I knew nothing about. Also, they have the same loan listed on my credit reports 3 times. I was astounded to see they have had this on my credit reports since 2007. I want this deleted. This has been stressful and playing a major impact on my health. If they do not delete and hold the liable party, I have to seek an attorney, I can not keep going through this. 
Account : XXXX Key Bank XXXX Key Bank XXXX Key Bank XXXX
I have been fighting, at my own expense, mortgage servicing fraud since XX/XX/XXXX after obtaining a high interest only loan from XXXX XXXX in XX/XX/XXXX. 
Because the home was severely underwater I was not able to refinance and was told I could not apply for a modification because I was in XXXX XXXX bankruptcy. Eventually I was approved for a XXXX XXXX Streamline Modification and made the three trial payments. I was sent a Modification Contract that included approximately {$28000.00} for escrow not owed and for interest payments that had not been credited. The servicers, XXXX then XXXX XXXX would not voluntarily correct the errors and I spent about two years fighting them in the Bankruptcy Court. They could not explain how my escrow could be XXXX due in XXXX XXXX but I owed {$14000.00} in XXXX XXXX after they paid {$1600.00} tax in XXXX XXXX. They more than doubled my monthly payment and would not voluntarily correct it and would not let me proceed with the XXXX XXXX Streamline Modification because I would not sign it with the errors in it that would have illegally obligated me for an extra {$28000.00} not owed. 
After my bankruptcy was completed I applied for a HAMP Modification with the newest servicer, Caliber Home loans. I was assisted by XXXX XXXX XXXX, a HUD authorized Housing Counselor. XXXX XXXX XXXX assisted in filing all the necessary forms and afterwards we would receive a letter from Caliber each month asking for a completed application, tax request form, and most recent income verification. XXXX XXXX XXXX repeatedly submitted the requested documents and asked me for new profit and loss statements each month to accommodate Caliber 's monthly requests. Although all of the requested documents had been sent and resent I received certified mail on Saturday, XX/XX/XXXX from Caliber 's attorneys, XXXX and XXXX ; giving me 10 days notice of a Trustee Sale. I contacted XXXX XXXX at XXXX XXXX XXXX on Monday, XX/XX/XXXX and she contacted XXXX and was told that since all of the required documents were not submitted 25 days prior to the scheduled sale date, even though they had been, Caliber could not and would not stop the sale. XXXX XXXX told me that it was an underhanded and unreasonable action and that the 10 day notice does not meet the 30 day notice required by the Virginia Code. She suggested that I file a complaint with the CFPB and contact an attorney to file for Chapter XXXX Bankruptcy Protection. At that time I was being treated at The XXXX XXXX XXXX XXXX XXXX Hospital in XXXX, VA and I had to interrupt and postpone my treatment to return home, find and retain counsel to file an emergency petition to save my family home. On Monday XXXX XXXX, XXXX, I received four identical letters from Caliber, dated XXXX XXXX ; thanking me for sending the additional documents and advising me they still needed additional documents to proceed with the modification review.
Received a notification from identity monitoring service that a hard inquiry had been made on my credit report for a JC Penney Credit card that I did not authorize. After talking with XXXX they refused to help and said that despite being fraudulent the hard inquiry was a statement of fact and they would not remove it. I contacted both JC Penney and Synchrony Bank, who issued the inquiry and explained to them that it was also fraudulent and that they need to send a letter of deletion to XXXX to have the inquiry removed, but both institutions claimed they could not send them and it had to be done through the credit bureau, who referred me back to JC Penney/SYNCB for a letter of deletion.
TODAY XX/XX/XXXX CITI CARD PUT MY CARD ON FRAUD ONCE AGAIN. IT HAPPENS EVERY HOLIDAY OR WHEN I CAN NOT HEAR SOMEONE AND IT GOES TO FRAUD AND VERY SCARY. IT I WAS OUT OF TOWN AND XXXX I WOULD BE STRANDED. I HAVE TO GO TRU XXXX ALL THE TIME. I AM FURIOUS. I CAN NOT HEAR. EVERY HOLIDAY THIS HAPPENS.
So there cutoff time for the payments on the due date is XXXX et on the due date they do n't care about anyone on the west coast i ended up paying my payment the same day its due but i work until XXXX et and by that time the payment is already considered late even though its always paid on the same day i am have been fighting with them for the last couple of years on this and they do n't seem to care several calls and emails to the corp offices and they could care less how could they mark a payment late when its still paid on the same day its due its not my fault the computers have a cut off time the point is its still paid on the same day. I talked to XXXX in the corporate offices today and he could care less about the sittuation and we are talking in Circles and that is the way it is. They need to make it later so people in the west coast have time to pay it this is a literal XXXX XXXX pacific time cut off how is this ever fair. And Barclays customer service is very very rude and they could care less about there customer s and whats going on I have made serveral complaints and this rude and arrogant XXXX who is part of there excutive team is the last straw and convice me to make a complaint. There customer service is the worst i htave ever seen and they all need an attitude adjustment especially the excutive offices. There cutoff time for payment s are unacceptable and should not be allowed.
They call 6 times a day and leave detailed messages about me being past due. They call when Ive already set up an arrangement as well call before my payment is due. They harass my references as well as myself. Telling them I owe a debt and they need to get in touch with me when they have my number. I have sent a cease and desist as well as verbally given one to a manager at the office. Even after I had spoken with her I received another call. Today XX/XX/XXXX I have 5 calls 2 voicemails XX/XX/XXXX 1 voicemail 2 calls XX/XX/XXXX 3 voicemails 4 calls XX/XX/XXXX 1 voicemail 3 calls XX/XX/XXXX 3 voicemails 4 calls XX/XX/XXXX 3 calls 2 voicemails I have recorded messages saying I owe money. They are violating Fdcpa I want to peruse legal action and have debt discharged. These are predatory loans and collection practices. The reps scream and berate in an unprofessional manner I want to cut ties with them and am referring to an attorney! They are to no longer call my cell phone and must communicate with me via us mail! Mei auto and anyone affiliated with them do not have permission to call me or my references again for the life of the loan!! The manager I spoke with last week said that the car was in jeopardy because I was 5 days late! I explained that I keep being called and she said I needed to make a payment and they would stop! I advised of cease and desist and was still called 2 more times after I had already spoken with the company! This is illegal activity!