WillisBack/dataset-financial-user-claim huggingface dataset:
we have learned the debt collector, XXXX XXXX, aka a criminal atty and unlicensed in the state of nevada never validated the debt since XXXX according to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXXhere is the timeline:XX/XX/XXXX they filed a complaint in court as per attachedXX/XX/XXXX they served someone named XXXX in a gardenXXXXXX/XX/XXXX they filed the affidavit of serving someone named XXXX in a gardenwho was not methe judge noted in the minutes and transcript this is not proper service and often clerks just file things as they are presented without looking at anythingXX/XX/XXXX they obtained a default judgment by filing an affidavit serving XXXX without proper servicewhen i was not in town from XX/XX/XXXX through XX/XX/XXXXon XX/XX/XXXX i telephoned XXXX XXXX office, i asked them what this is, what is this for what are the amounts and charges for date of last payment etc ... i was put on hold and switched around several times and then told no need to answer ... they 'll take care of iti mailed and faxed to XXXX disputed the amounts and requested validation on XX/XX/XXXXi never heard from them ever again until 4 1/2 years later when a phone call from a XXXX at XXXX telephoned 3 times and hung up ... on my voice mail without identifying himself as to why he was calling. i have it on my machine then a letter was received dated XX/XX/XXXX received by a receptionist XX/XX/XXXX at a company that i am not an employee of ... along with demands for payments in amt of XXXX along within the demand and threats that strangers are responsible for this debt and if they do n't comapy there is jail time it noted my entire social security number and my name ... which i understand is a breach of security and violation of nrs 239 statutes as well as a federal statute ... i have that statute written down that it violated. 
since then i have received mail addressed to my property in the name of XXXX towing companies that are being offered lines of credit. i have had to put a fraud alert on and so far several charges have been made that are not mine. 
i have learned the towing companies are out of XXXX and XXXX ... i looked up these companies that are using my property ... several consumers made XXXX videos stating their cars were being seized illegally by these same companies that are using my property and address. 
i wrote to the the atty general office they said they got my info from the chamber of commerce. i went to see the president of the chamber he said the towing companies are not participating in the chamber events and apologized. and their information is not in their system anymore.
Equifax needs to be put out of business. 

As critical as credit scores and credit history have become, I find it appalling that of all the things we can opt into or out of, we can not control to whom financial agencies report our credit history. 

Equifax has proven it can not safeguard our data and I for one do not want them to have my data any longer or to make any money from having my data.
I would like to see the CFPB propose legislation that mandates every company that reports financial information to any of the 3 credit bureaus give their customers the option to choose which bureau ( s ), if any, they are allowed to report our credit history to -- and that is before reporting anything to any credit bureau. 

With this power, all of us can opt out of allowing companies to send data to Equifax. With no new data coming in, Equifax will become history, as it justifiably needs to. 

Thank you.
I never picked up the phone when they called but it went straight to my answering machine. I do n't know why they are calling. I am on two no call list. I have no outstanding debt.
I WAS ILL AND THEY WERE MADE AWARE BY SS OF WHAT TO CHARGE SO I WOULD N'T BE OUT OF POCKET I DID EVEN NOW I OWED TILL I CHECKED MY CREDIT REPORT
I was in the process of a Loan Modification with WFHM on my home that I have owned for 21 years and have had financed the entire time with this lender and had already made my first Trial payment on time when they discovered a IRS Tax Lien on my property. They told me to stop making the MOD payments because they would not approve it with a lien on the property. They told me I needed to get the lien removed. After several months WFHM started the Foreclosure process and set a sale date of my property. I contacted XXXX XXXX XXXX the President of WFHM by email and told him what happened. He had a Rep call me and tell me that they would delay the sale date and told me I needed to get the IRS to agree in writing to allow WFHM to be recorded as the First Lien holder on the property and if they would do that, that WFHM would continue with my Home Mod process and stop foreclosure. I contacted the IRS and also filed a IRS XXXX form. After quite sometime the IRS through Rep XXXX XXXX told me they would in fact agree to WFHM terms but I had to include a letter with my IRS written request and forms from WFHM stating that the purpose of the request was for a Home Loan Mod only. I contacted WFHM, who had in the meantime started foreclosure proceedings again and set a new Sale Date of XXXX/XXXX/2015. I had to contact WFHM numerous times telling them the IRS required a letter from them that I had to include with my signed form to give WFHM the release they wanted. These calls were made over several days both by phone and email before they would ever return my calls. When they did they said they were refusing to stop the sale date because I had not provided them with the information they requested and the property still had the IRS lien. I tried to no avail to explain that I had done exactly as they ask and that the IRS had verbally agreed but required a letter from WFHM to be able to put that request in writing. They refused at this point and allowed my home to go to sale at which time they purchased it at auction for {$160000.00} when I only owed {$140000.00} on he property. I believe that a local realtor had informed them that the home is worth {$270000.00} on the current market and that is why they were willing to bid even more than I owed them on the loan. Also under NC Law all liens including the IRS are Second anyway to the lender, so in fact WFHM never needed anything firm the IRS and could have allowed the Loan Mod that they had already said I qualified for and had started making payments on to proceed instead of stopping it. I believe that WFHM have violated both the Laws of North Carolina and Federal Law in regards to the sale of my home. North Carolina has a 10 Day Bid Upset period before this sale becomes final and that date is up at XXXX on XXXX/XXXX/2015. WFHM defrauded me on the matter.
There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XX/XX/XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( Equifax ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???
Was contacted by synchrony credit in XXXX of XXXX claiming I owed a debt on a hearing appliance. I purchased the XXXX  XXXX and made payments for about 1.2 years ... during this time the XXXX XXXX failed repeatedly and was forced to return them for repair. On the last repair made the company failed to return them to me, I do n't have the appliance and have not received any credits for the failed devices, this debt is not owed as the contract is void for lack of merchandise and canceled..All was automated payments through the bank debit card and not through received statements. 
I never had a contract with Synchrony Bank and when i wrote to them asking for copy of the contract and proof i had received the XXXX XXXX. The XXXX XXXX had to be re molded three times and each time they did not fit, therefore i stopped, and never received the hearing aides. In the meantime this contract was sold to Synchrony Bank and they were not aware of the issue that hearing aides never correctly made and the contract canceled. Synchrony bank had written asking for copy of my bank information so as to charge me for XXXX XXXX i never received, and i refused to send to them because i had no contract with them, never purchased any hearing appliance with them. Then i found out i had bad rating and collection account when applying for loan. I sent them mails with return receipt, they did not respond the credit reporting agencies did not respond. Finally after several years, today i am told after filing another complaint on line with credit reporting agencies that they will not follow through because Synchrony Bank information is correct. I have never had information from Synchrony Bank, they have never answered my request for copy of contract or proof anything was ever sent to me, either through the credit reporting agencies or directly with Synchrony bank. Please advise if i need an attorney or you can help resolve this fairly
Account # XXXX Best Buy Card issued by Citi Bank XXXX charges beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I have been charged {$11.00} per month for 6 years. My payment is taken directly out of my checking account, I do n't see my bills. I 've never authorized this protection plan.
Apparently I owed a medical debt that just popped up on my credit report. The debt was for {$130.00}. It dropped my score dramatically, I contacted the collections agency and the debt was paid but they stated they do not remove items from credit reports. I did not receive proper notification that this debt was going into collections or that I owed any money. No one called or sent anything in the mail to let me know I had a debt to be paid. I just happened to check my credit report and noticed it there. Can you please help me get this removed? I am trying to purchase a home for my family and this is effecting my ability to be approved at this time.
I have disputed the same issue, of public record with Equifax XXXX. They have still not deleted the public record from my credit report that is reporting incorrect information. The first time I disputed the information they responded in the allotted time and updated the status, but the information was still incorrect. I then disputed the information again on XXXX/XXXX/2015 they resolved it within the same day and basically said that it was verified, which is literally impossible. I then called and was told, basically that there is nothing that they could do. I informed them of my rights through the FCRA and that I would take action if this information was not deleted from my report, and still they did nothing.
My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX Courts in the XXXX  district of Ohio.

I sent a letter to the XXXX XXXX court in XXXX   Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter. The courts sent me a let
ter back stating they do not report and DID NOT report this information to the credit bureaus. 

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information removed.
I have a student loan account that is consolidated now, but used to be XXXX separate loans corresponding to semesters spent in college. I have a 90 day late on my credit report for each of these Closed accounts. The servicer at the time is no longer in business. I have called the National Student Loan Data Center as well as the current servicer and they have no record of me ever being behind on any of those loans while separated or consolidated. I feel that it is unfair that this is being reported on my credit because the information is inaccurate, and it is preventing me from getting a mortgage.
Amazon Chase Visa. Missed XX/XX/XXXX bill cycle $ XXXX payment by 1 day. Note I did pay over $ XXXX - total bill was $ XXXX. ~ {$130.00} finance charge. I accept. 

XX/XX/XXXX billing cycle, paid in full. {$180.00} finance charge. 

Contact Chase who explain when card not paid in full interest accrues on every purchase until two billing cycles paid on time. Refused to refund the finance charge. 

This means missing a $ XXXX payment by one day will likely cost me {$500.00} in finance charges. 

The notion that burying something like this in a T & Cs is unethical behavior. Consumers do n't have another credit or debit line typically to shift expense when this happens. And the credit card company does not provide notice they are taking this action when it occurs. 

Request is seeking penalties against the credit card industry for such practices, demanding a disclosure similar to a mortgage that makes clear their intended bad behavior if they want to continue such practices, and a refund for consumers impacted by this type of usury. 

For me, this is not a significant loss. But clearly this is an industry practice rooted solely in greed. As a customer for years of this particular credit card I am deeply angered by the treatment I received and that this is done in such a nonchalant fashion. The impact to lower earners must be profound where this type of agreement is really structured like some sort of bear trap waiting to be triggered. 

Given the bad behavior of the finance industry, and the mandate of the CFPB to protect consumers from such behavior, I hope the CFPB will take upon themselves to make this a wide ranging look at the practice. And do something to make it transparent or end it altogether.
I 'm a former student of XXXX University. I was forced to take out their privatestudent loans referred to as a " XXXX '' loan '' in order to continue my studies. Iwas not aware that I was out of Federal funding. I took out XXXX loan in theamount of XXXX. A few months later I was told I had to take out anotherloan in the amount of XXXX in order to graduate. So in all, a total of XXXXin XXXX separate loans with an interest rate of 6 % on each loan. I 'm currentlyunemployed, and will only pay XXXX a month on XXXX loan. I was also under theimpression that XXXX students were being awarded relief of 40 % on thesefraudulent loans. As of this day, I have not received any decrease in theamount I owe, and I was wanting an explanation as to why. In my opinion, allof these loans need to be forgiven. This school maxed out your Federal fundswithout your knowledge, and then forced you into their XXXX loans to eitherfinish your studies, or graduate. This school is corrupt, they are thieves, andwhat they have done to so many students like myself, is despicable. My nameis XXXX XXXX, I am a part of the original " XXXX XXXX ''. I made a trip toXXXX on XXXX XXXX, and met with the DOE, CFPB, and Dept of Treasury. Ipersonally asked the representative from CFPB why I had n't gotten any reliefon my XXXX loans, and he said it was being sent out in waves. I check myaccount daily and nothing. I also have not received a letter informing me of thestatus of my relief. 
XXXX XXXX
I have received multiple calls from both a local number ( XXXX area code ) as well as calls from the XXXX area ( XXXX area code ). I have answered and spoken with the representative to request a cease of contact and have been still receiving calls. I have worked tirelessly over the past several years to satisfy all outstanding debts and collection accounts and have pulled my full credit report multiple times. The debt in question is posted on my credit report as " legally paid in full for less than original amount '' which should have ceased collection. I have notified the collection company " XXXX XXXX '' that the debt has been settled and to please stop calling me. Phone calls have been from XXXX and XXXX over the past 2 weeks. Even after telling them that the amount has been satisfied, they say I still owe over {$7000.00} for Citi Financial. Only remaining collections on my account are XXXX overdue bill and XXXX XXXX overdue bill ; both have been paid and satisfied.
I missed the 3rd payment of a 3mth trial with XXXX XXXX through Fifth Third Bank. I found out that my ex-fiance has been talking to the bank without my written consent. I was unaware anything was wrong. He had been taking the money for the payments and buying drugs with the money.
I refinanced with Carrington mortgage who was responsible for sending a check to my hazard insurance company to cover premium. Carrington mortgage never sent the insurance company a check for premium. Insurance company terminated my hazard insurance. Carrington sent me a letter stating that my hazard insurance expired. I regret refinancing with Carrington mortgage. Money from my closing to cover hazard insurance is missing.
My credit report appears to be mixed with someone else with a lot of bad arrears and county court judgments and an address linked to my account that isnt mine its resulted in them obtaining credit cards in my name that have been used to rack up large debts that Im now finding out about
In XXXX 2016, I was prompted to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a XXXX account and scheduling two bill payments from the newly opened account. XXXX Citi ThankYou points equals {$400.00} in gift cards as stated in the terms and conditions I received when opening this account. 
After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I initiated an online chat via the Citibank website with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. Case number XXXX. 
On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, 2016, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 
On XXXX XXXX, 2016, I spoke with XXXX at a Citi call center and she informed me that the offer in question requires the original bonus mail insert, which would have been sent out 6-8 months ago. 
It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. Since I disposed of this mailer after opening my account, XXXX said that her options were exhausted. 
On XXXX XXXX, 2016, My appeal was denied. I appealed again. 
On XXXX XXXX, 2016, XXXX at the Citigold customer service department acknowledged my appeals and attempted to submit my case to the Escalations Unit. She apologized for my experiences and said that many other clients are in the same situation. 
XXXX explained that she was unable to do anything for me other than open an investigation, which was done several times without a positive outcome for me. XXXX promised to keep my contact information and contact me if anything changes. Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 
Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
While I was disputing an over charges by  XXXX   XXXX   XXXX   XXXX  for charges of DATA used by a Tablet given to me in an offered by  XXXX   XXXX   XXXX   XXXX  when I connected  XXXX   XXXX  services in my apartment,  XXXX   XXXX   XXXX  cancelled my  XXXX   XXXX  services.    XXXX   XXXX  is charging {$490.00} for breached of contract. I do not feel that I breached  XXXX   XXXX  's contract when they where the ones who terminated me.   I.C . Systems Inc. hav e reported me to  XXXX  and  XXXX  that I know. I do not know how many more.   They reported me for a debt of {$490.00}, wait a couple of months, withdraw it. Then wait a couple of months and report me again. Can they do this?
I contacted Transuion on XXXX XXXX, XXXX regarding a late payment for XXXX XXXX XXXX for XXXX on my credit report. I provided Transunion with a demand letter from XXXX XXXX XXXX requiring all credit reporting agencies to remove the late payment from XXXX from my credit file. Transunion sent a response letter dated XXXX XXXX, XXXX advising that the late payment from XXXX had been removed from my file and the account would show always paid on time. However, credit reports from Transunion from XXXX XXXX, XXXX and XXXX XXXX, XXXX both show that Transunion has not removed the XXXX late payment from my credit file as they promised to do so in their letter.
My mortgage servicer, Nationstar Mortgage, neglected to pay the homeowner insurance on my home resulting in the canceling of my policy, and leaving me uninsured and vulnerable to loss. All while collecting escrow and refusing to allow me the responsibility of paying the insurance and real estate tax myself.
Account had fraudulent activity and was reported on XX/XX/XXXX and a claim was entered. Account has been frozen ever since with the inability to access funds ( including accessing new deposits ( weekly payroll direct deposits ). Bank has frozen debit card and rejected automatic payments to creditors, bill payments etc. 

In addition, I was advised to open a new account by branch banker, and redirect direct deposit last Thursday. I opened a new account and made a transfer from a savings account from another bank to fund the account which has had now been frozen as well with the inability to access those funds as well. This process is causing me to have no access to any of my funds and miss payment obligations and incurr additional fees due to returned payments and late fees!
This guy keep calling me and were I work asking them to set a time that I can talk to them. I have ask fo info out them and info about to debt and never send me info
I pulled my XXXX credit report to find a debt of XXXX dollars the collection agency not XXXX never informed me that they were putting anything on my credit file. In XXXX XXXX I called XXXX to terminate my service with them. They charged my bank card XXXX dollars which was with XXXX XXXX XXXX XXXX. Then I called direct tv to ask them why they stated at the time it was for an early termination fee. I informed them I was under no contract with them. They stayed yes I was for two years, I asked them to provide the contract and they said that they did n't have the contract but I was under contract when I upgraded my satelite equipment. I returned the equipment via mail and then disputed the charge with my bank. XXXX XXXX XXXX XXXX reversed the charges. I thought I was now done with this, but I pulled my credit report in XXXX XXXX I noticed a collection from Afni which was a collection agency for XXXX, they had first reported it in XXXX XXXX. Afni nor XXXX never informed me that they were reporting anything to the credit bureaus. I called them in XXXX and was told the report was for XXXX dollars, and said that it was an early termination fee, unpaid service and missing equipment. My service balance was XXXX in XXXX XXXX. In addition as was previously mentioned, I returned the equipment and was under no contract.