WillisBack/dataset-financial-user-claim huggingface dataset:
I called   XXXX   XXXX   XXXX   (   XXXX   ) back in  XXXX  2016 because I needed some money get my car fixed. I received the money and was paying the loan off but another problem can up and I did it again.
Every time I would get the loan paid off something else would go wrong. The problem is the interest rate seem to go up. After months of this I called to see why the interet was going up. I was told that is the the new rate.
I was listening the radio and hear about this company Lexington Consumer Advocacy that could help me with this problem. They would contact them and get them to stop the over charges.
They told me that they where the company to get them off my back. The person I spoke to was  XXXX  at (  XXXX  ext   XXXX   ext  XXXX  ). he sent me the paper work at I needed to sign to get things started ( all paper work included ). I was told that they some legal people on staff to help if I needed help. I would also receive information sent to me to keep me informed on how things where going. after four ( 4 ) months had gone by and I still had not got any paper work. I paid them {$140.00} on the first payment and for the next ( 6 ) moths the payments would be {$120.00}.
I have also filed a complaint with a company called consumer action two weeks ago have not heard from them either. (   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   CA  XXXX   XXXX  I still have not gotten any response from them. They call if they do n't get there payment on time. I am sending all the information on both companies. There are several pages.
  XXXX   XXXX   XXXX
Macy 's allowed for the opening of a fraudulent credit card in my name in XXXX XXXX. I had not authorized or requested the card. When I found out about it via a credit report in XXXX XXXX, I promptly called Macy 's credit card number and alerted them to a possible identity theft and asked them to close the card and inform all the credit reporting agencies. Macy 's Fraud Investigation Department acknowledged my complaint with a postal letter asking me to reach out to the XXXX credit bureaus. 

I also filed an identity theft report with the XXXX ( Texas ) Police Department and signed an affidavit and sent a copy by certified mail XXXX these documents to Macy 's. In addition, I have paid XXXX to have my credit report monitored. 

In the three months after I submitted my documents and spoke with their representative asking that the reference to the unauthorized credit card be removed from my name, Macy 's has not done so. In fact, Macy 's let the credit agencies know in XXXX XXXX that this unauthorized account is past due ( according to my XXXX monitoring service ). When I called Macy 's expressing my extreme frustration at this negative hit against my credit rating, they were quite blase about it and suggested that they might get around to looking into this in the next few months. 

I find Macy 's credit card practices to be quite unacceptable - they allow for card accounts to be opened with minimal investigation and then seem uninterested in helping redress the wrong. I would appeal to the CFPB for assistance in having Macy 's expunge the reference to this card from my name.
Enhanced Recovery of XXXX, Florida XXXX XXXX XXXX, FL XXXX has been repeatedly calling my home claiming i owe a XXXX bill of XXXX from XX/XX/XXXX. I explained that i was a sprint customer since XX/XX/XXXX and my same account from them is still active. The person then stated the debt was from XX/XX/XXXX and I am like that 's 15 years ago and regardless if it was my account or not, the statue of limitations has expired. The person told me they were not a 3rd party debt collector and I told him then you work for XXXX? no comment. 
They never at anytime in the last 15 years put it on my credit nor has XXXX ever been on my report either. This a white collar scam!! 

I asked him to stop calling me and he said they will just keep calling so i hung up. They call at least twice a week and this must stop. They have never sent any mail nor registered / certified mail to my address which i did confirm with them. Please Help me!!!
We suspect that this a debt from our son  XXXX , probably a medical or hospital in MN?   He had a serious car accident in  XXXX     2011 in TX a nd has had emergency ER, maybe even ambulance service in this city where he was working? Son travels  24/7 so  we seldom hear from him except  XXXX .   HOW this debt collector got our personal phone number is a mystery but the daily harassment is disgusting. We answered more than once and told them that he does not live here but they continue to call.  <P/> Thank you for trying.    XXXX   XXXX
On XX/XX/XXXX I took out an auto loan with Credit Acceptance Corp. Sadly I had to voluntarily surrender this vehicle because the condition of the vehicle and the necessary repairs far outweighed the value and monies owed on the vehicle. In XX/XX/XXXX the same subprime lender approved me for the purchase of a far superior vehicle. I submitted to the dealership the application as well as any and all requested documentation. All was going well until my sons college requested a tax account summary from the IRS from me. I needed to get this online immediately. In order to do this you needed a car loan or mortgage. I called Credit Acceptance for my account number and was told I didnt have an account for the newest car I had been making payments on. I finally found someone with a brain and she looked up my account by the VIN number. Turns out the second account was opened up with the wrong social security number. So I have the negative account being reported that i owe money after a voluntary surrender but the new loan with over a year of perfect payment does not show up. If you look up the credit reports under the fictitious social security number you will find a rather nice credit score and the positive account listed. I've contacted them constantly. They want me to just blindly fax my social security card to a generic number going to no ones attention. This scares me. They even deny reporting the second account to the credit bureaus under the wrong number. I filed a complaint with the XXXX and received a response from the supposed legal department but the number she gives me to call her is a number where you can not speak to anyone
Barclays placed an unathorized rebill on my account. They may have spoken with someone at my home, but did not speak with me. I did not authorize a rebill. I have no idea why a rebill was exectured. I called to dispute this charge. I 've reported this charge as fraudulent. They resolutely refuse to refund the amount or to investigate the rebill as fraud. They refuse to process it as a dispute or to conduct a fraud investigation. They also have hung up on me during calls and refused to explain this process to me.
I had a car impounded that was not in my possession on XXXX/XXXX/XXXX by XXXX and towed by XXXX XXXX and was not notified of the impound by XXXX XXXX. Everyday the car is held there is {$33.00} in storage fees assessed. The first notice received was from the DMV for a lien sale 84 days later with incorrect fee information at {$230.00} and no tow date to verify the fee was correct. At that point had racked up almost $ XXXX in fees. Since then the car has been sold and the balance that was left after applying what the car sold for was sent to collections in the amount of {$2100.00}. 

I sent Ascension Recovery Management a letter via fax on XXXX/XXXX/XXXX disputing the debt on the grounds that I was never notified by the original creditor XXXX XXXX that they had the car impounded and was only notified by the DMV almost 3 months later. 

I received a call back within the hour from someone that worked for Ascension who quickly escalated the call to XXXX, a supervisor. XXXX stated that she could validate the debt by what was required by law by CRA Debt Validation form but would not do anything more beyond that. I asked for a copy of the original letter of notification from XXXX XXXX letting me know that they had my car impounded. She said that she does not have a copy of that and believes XXXX XXXX does not have a copy of it either. I spoke to XXXX XXXX in the previous month and they did state that they in fact do not have a copy of the letter I am requesting. The reason I am asking for a copy of this letter is because I am suspecting that it was sent incorrectly to the address the car was previously registered to. When I spoke to XXXX, she confirmed the number on file was the phone number attached to the old address, not what I had updated the DMV with on XXXX/XXXX/XXXX. 
I tried to reason with XXXX letting her know that what I wanted was a copy of the original letter notifying me that the car was impounded with XXXX XXXX near the date of impound as required by law. With that letter we can validate the debt to being mine and correct. If I received this letter I would not dispute the collection. XXXX stated that they would not send me a copy of this letter nor would they remove this collection from my credit report. She said I had to wait for the collection to go away on its own ( which it will in a few months ) She got frustrated going in circles with me so she said " had a good day '' a few times and hung on me. I come from a customer service background and hanging up on a customer is not an appropriate response to conflict. I could understand a hang up if I was being rude or disrespectful. I felt like she was treating me like I was making a frivolous request, especially after she hung up on me.
I was charged a monthly charge by a company I don't know or had not done business with. The charge started back in XX/XX/XXXX and it went on for about 4 to 5 months ( {$170.00} ). I contacted this merchant and they could not find me in their database even though I provided name, address, my Bank of America account number ( s ). They suggested I contact  Bank of America. BofA accepted my claim and provided a temporary credit while they investigated. More than several weeks ( about more than 2 months ) without hearing back from BofA and thinking that they had made the credit permanent, they ended up sending me a notice saying that these transactions were approved and authorized by me and no further explanation and not even identifying the name of the merchant. In other words, no basic explanation of any kind was provided in BofA 's letter. I can tell you with certainty that I am 100 % positive BofA or the merchant have no evidence that these transactions were approved. 
My acct # is XXXX XXXX. Claim number is XXXX. I am complaining for two reasons, BofA inability to conduct a valid investigation or proof that I approved these charges and two the length of time it took them to resolve which I suspect is beyond what's allowed by regulatory requirements.
I MADE A PAYMENT FOR MY LEASE ACCOUNT IN XXXX. THE PAYMENT WAS RETURNED DUE TO MY INSURANCE BEING AUTO DEBITED WHICH I WAS UNAWARE OF. I CONTACTED XXXX BUT THEY HAD ALREADY MARKED MY ACCOUNT AS LATE, AFTER 30 DAYS. I HAVE HAD THIS LEASE ACCOUNT FOR GOING ON 3 YEARS AND HAVE NEVER BEEN LATE BEFORE AND ASKED COULD IT BE REMOVED AS A COURTESY AND WAS TOLD THAT I WOULD HAVE TO FILE A COMPLAINT. I THOUGHT THAT INFORMATION WAS INCORRECT SO I CALLED BACK AND THE LADY ( XXXX ) THAT I SPOKE WITH STATED THAT SHE WOULD PUT IN A REQUEST BUT THAT I ALSO HAD TO FAX OVER A LETTER. I HAVE MADE 3 ATTEMPTS TO GET THIS RESOLVED AND REMOVED AND I AM JUST GOING IN CIRCLES WITH THIS COMPANY. NOBODY EVER CALLS BACK AND OF COURSE NO ONE EVEN KNOWS WHO XXXX IS. THIS HAS BEEN NOTHING SHORT OF A NIGHTMARE.
I applied for consolidation of my PLUS loans. I got a letter on  XXXX   XXXX ,    2017  stating the new monthly payment would be {$160.00} On  XXXX   XXXX ,  2017  I then got a statement saying the monthly payment was {$220.00}.
Personal information regarding addresses that I never inhabited are listed on my Experian Credit Report on page 6 of 6. Two telephone numbers that are not mine but are listed on my Experian Credit Report. I want these errors removed from my credit report.

1. They are as follows : XXXX XXXX XXXX XXXX NY XXXX Type : Single family Geo Code : XXXX Address Identification number : XXXX and 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Type : Single family Geo Code : XXXX Address Identification number : XXXX Telephone Numbers listed are in error : 1. XXXX and 2. XXXX
Experian refuses to update my credit record, specifically as it refers to previous delinquincies that were unknown to me, whether it is refusing to update when either myself or the collection agencies have provided updated information. This has a profound effect on my position to purchase and denies me any type of due process or resolution. I have submitted documentation in writing, with delivery confirmation, as well as five ( 5 ) attempts to update this information from the collection company. Experian has not updated my report since XX/XX/2016, more an 150 DAYS have elapsed and their inability or refusal to honor my request or the transmission of debt resolution from the collection agency compounds the harm I am experiencing. They MUST be held accountable and if they can not report acurately, reguarly, or fairly then they should NOT be allowed to reprt at all.
On XXXX XXXX I applied and was approved for an American Express Delta Gold card through a link that offered XXXX reward points if I spent {$1000.00} within 3 months. I spent {$1000.00} within the first 3 weeks and have been waiting for a few weeks to have the bonus points loaded to my Delta account. Today I called Amex to see why there was a delay they said there is no bonus listed on my account and the gentleman I spoke with said hed file a report. The issue is Ive already been waiting a while and need to book a specific flight and he told me the team that investigates take 6-8 weeks.
On XXXX XXXX, XXXX it was brought to my attention that Citibank had made a negative reporting and closed my secured account. I made a call to customer service and shared confidential information about a serious illness that I was hospitalized for in XXXX XXXX to respectfully disclose the reason for my late payments. I requested that I be allowed to make up the payments and that late fees be waived due to the reason for my late payments. I was informed by the rep that even though I was a customer and that all payments had been made on time up to the point of being ill, that my illness would not be taken into consideration and that even if I paid my account balance in full, that my account would not be re-opened. I spoke with an account manager who attempted to remove late fees due to the reason I was late with my payments but was informed that the bank would not allow any waivers. The account manager did inform me that the balance to clear the account was {$140.00}. 

I am making the account payment of {$140.00} to full fill my financial responsibility to Citibank. Also I am writing a letter directly to the Citibank to express further concern. 

To resolve this matter I am requesting that Citibank remove the negative rating that they originally sent to the three credit bureaus even if they have to delete the line of credit. The way it reads currently is extremely unfair and punitive because I became ill unexpectedly. 

I look forward to hearing from you in the near future. 

Best Regards, XXXX XXXX
XXXX XXXX XXXX for some reason decided to use Western Union this time as we were waiting for this money in XXXX Texas. A Western Union payment was processed on XXXX XXXX 2015 ( XXXX XXXX is XXXX hours ahead of CST ). They asked me to go to my XXXX XXXX XXXX and give them the XXXX number ( XXXX ) and should be able to get instant credit. However, XXXX XXXX XXXX told me that they not deal with Western Union and I called the Western Union to see where I could get my XXXX USD and they recommended me to go to XXXX of XXXX XXXX, close to my place. 

XXXX told me to wait for 15 minutes while Western Union processes all required checks etc. Later I was told by Bank Teller that she could not process the request. 

I called Western Union and after talking to them 2-3 times with misinformation and finally talking to their superior, I was told that the payment has been sent back to the Sender. I asked for a reason and they said that they are protecting their client and can not disclose me the reason. That was after 2 hours of time spent.
XXXX  verified a charge off submitted by Chase Bank referencing data that was afforded to me XX/XX/2018. I sent Chase Bank a certified letter XX/XX/2018 requesting the documents with signatures verifying that Im the account owner of the named charge offs. To this date XX/XX/XXXX 18 Chase did not verify that the information on my file has been disputed as per the FCRA ( 30day ) requirement and still has not provided original contracts with MY Signature verifying that the accounts are mine. I have a son with the same name and have mixed file problems in the past.
XXXX XXXX XXXX took my application for mortgage loan starting XXXX/XXXX/XXXX. The underwriting department then sent to chase for approval and they responded with more info needed and XXXX XXXX XXXX gave them what they needed the XXXX XXXX XXXX gave me a 3 day disclousure to close. today at XXXX XXXX. the chase bank according to phone conversation with XXXX XXXX at XXXX XXXX XXXX that chase turned down loan because I filed a XXXX tax extension and both banks knew this and no one was concerned Me and My wife feel that it was a simple case of age discrimination against chase and We did not break any laws by filing a irs extension we still had our XXXX were we made the money but they decided we were to old to by the house so I ask XXXX XXXX to go back to chase and ask why they would not except the XXXX they refused to comment so therefore I think it was because of our age there should be a complete investigation also I'am a veteran.
I had had my identity stolen and I was ON XXXX VICTIM OF A CRIME. 
PLUSFOUR INC XX/XX/XXXX Completed PLUSFOUR INC Reported on XX/XX/XXXX {$570.00} Account Details Last Reported XX/XX/XXXX Collection Agency PLUSFOUR INC Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$570.00} High Balance {$500.00} Remarks Dispute resolved ; customer disagrees Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

Dispute Reasons Accuracy : The creditor agreed to remove this account from my file. 
Insurance paid this account late. Please remove late payments.
I went to XXXX on the XXXX of XXXX 2015, I applied for a credit card and they said I should call the office. I spent over {$200.00} on clothes, I called the office and I was told I would receive a letter in the mail, called the office today XXXX/XXXX/15 at XXXX spoke with XXXX and said he would have to resend the letter. It was hard to understand the accent, asked if he could resend it I said yes.
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXI HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Portfolio Recovery Associates, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, USA XXXX ( XXXX ) XXXX continues to call me for some unknown reason looking for XXXX XXXX although I 've told them a XXXX times I do n't know any XXXX XXXX and I 've asked them to stop calling me - Best I can tell their running some kind of illegal operation and may be involved in some other type of federal crime and should be investigated to the fullest extent of the law - The number their calling me from now is XXXX XXXX XXXX and their a lying XXXX if their feed you any more XXXX about not contacting this number.
This is the second time I am writing about an issue with TransUnion. TransUnion is reporting that an account status is in " Collection '' in which is wrong. The Account is Paid and Close. I will Like TransUnion to change the payment status to Paid and close. I give them proof that the account was Paid in full and Close.
The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for Kay Jewelers contacted my daughters cell phone in order to contact me for a Debt that over nine years old well exceeding the statue of limitations in XXXX of four years. When I contacted them they threated by stating to sue for an amount triple of the original amount.
I received a letter from American Education Services on XX/XX/XXXX stating that the terms of my loan had changed. My monthly payment increased from {$110.00} per month to {$290.00} per month. 

My loans have always been on automatic payment and I have never missed a payment. However, it turns out the company had failed - for a number of years - to gradually raise my payments to sufficiently cover principal and interest. This mean I'd been paying primarily interest for a number of years and not paying down the principal in a timely manner. American Education Services never notified me of this and it seems were not even aware of it themselves. 

When I contacted the company about their error, they did nothing to rectify the situation. 

It does not seem fair given that I had automatic payment set up and have been a diligent payer for many years. I had no way of knowing my payments should have been gradually increasing. It should be the company 's responsibility to request the appropriate payments from the borrower over time.