WillisBack/dataset-financial-user-claim huggingface dataset:
My roommate decided to purchase cable through XXXX XXXX she ended up falling for XXXX those check scams where you cash a check for someone and then the check bounces and you owe the bank the money from the bounced check. So she ended up losing her bank account and could no longer pay the XXXX TV account with her credit card. Therefore, I offered to pay her monthly fees with my credit card and she could give me the cash. However, the account was still completely in her name attached to her social security card. Fast forward a couple months she decided to move out and takes the XXXX account with her to her new place. Fast forwarded almost a year ( I would sometimes get calls from XXXX asking me if I knew where XXXX ( my old roommate ) was and I would tell them no ) I see that XXXX has sent me to collections. I call the company right away pretty angry at the situation because not only did they have all my information but they wrongly sent me to collections damaging my credit. When I asked how they got my information they said that I tried to purchase XXXX once before ( which I immediately canceled due to bad customer service ) and that is how they got my social security number. Anyways, they were not very helpful and told me to file a dispute with the credit bureau which I did and won and it was taken off my credit. However, I recently checked my credit again and it was back on under a different name. I was very confused so I called the credit bureau and they said that after XXXX lost the dispute they sold it to another collection agency! Which seems really crazy to me and completely unjust. The credit Bureau then gave me your information and told me to contact CFPB and file a complaint. This was taken off my account and then was just added by your company I have disputed this and won many time now so I do not understand how it keeps getting bought by different companies.
I am a Macy 's credit card holder. Macy 's has a policy even if you pay off the balance in full before the next billing date of continuing to charge you small fees. Usually in the $ XXXX range. I fell for this once thinking I was a day or two late. Over the past year it is continual. If you call and go round and round ( and never being able to talk to an actual person, you will get a prompt, are you disputing your latest finance charge? Press XXXX for yes. I do. Then the voice says, as a customer courtesy, Macy 's will remove the charge. This is not a courtesy. I paid before the next due date. I should not be getting these small bills. I wonder how many other people keep paying this fee trying to get rid of it or how much money Macy 's makes over XXXX card holders every year? This practice should be stopped.
I had initially applied for a Gap store credit card back in XX/XX/2018. On XX/XX/2018, I attempted to use this card at a Gap store by having the store associate look up my account with my SSN. She attempted this 2 times, but on each occasion she said that the was no record of my Gap store credit card. She then mentioned that the the credit card could become cancelled due to lack of activity. She then said that I could take advantage of the promotion on XX/XX/2018 by re-applying for a new Gap store credit card, which I did. I was approved and able to make the purchase. Today, XX/XX/XXXX, I decided to double-check whether my original Gap store credit card was cancelled by calling up Synchrony 's customer service number in the back of the card ( XXXX ). The representative had mentioned to me that my card became inactive, but as long as I activated the account would be good to use. Needless to say, I'm frustrated by the misinformation provided by the Gap   associate and needlessly opened a 2nd Gap store credit card, which will obviously impacts my credit bureau. I would like to ensure the CFPB is aware of situations such as these, where Synchrony ( or any financial institution issuing the credit card ) and respective stores facilitating the applications for store credit cards, have the appropriate processes in place to avoid consumers from being mislead to open up new accounts. If you need further information from me, please don't hesitate to reach out. 

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I have asked this company several times not to call my job and they continue to. They called from XXXX on XX/XX/2017 @ XXXX, XX/XX/XXXX from XXXX @ XXXX, XX/XX/XXXX from XXXX @ XXXX and XX/XX/XXXX from XXXX@XXXX They continue to call my job daily. If they do not stop I will file a lawsuit for harrassment against them.
Received a call from a XXXX XXXX says I owe XXXX $ escrow says foreclosure will occur if not paid called pnc bank who said no nothing about this owe nothing fraudulent caller
On XX/XX/XXXX I was approved for a loan modification. And on XX/XX/XXXX I was told that the modification was going to be rescinded due to the second mortgage company XXXX Bank would not move their lien position. I received and XXXX XXXX letter dated for XX/XX/XXXX and I went to XXXX on XX/XX/XXXX. I subsequently received a letter from M and T Bank on XX/XX/XXXX that my mortgage was forward to XXXX for foreclosure proceedings. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they will be pursing legal actions. Based on the documents I received from XXXX and the XXXX XXXX with the dates provided, M and T Bank is in violation of this law.
My husband and I filed a chapter XXXX bankruptcy in XXXX. The original case was dismissed because our attorney did n't follow proper procedure. The case was reinstated under a different case number and the case discharged in XXXX. In XXXX the dismissed and discharged cases fell off our credit report as they should have after 7 years. 2 years later the dismissed case has come back onto our credit report for Equifax. Equifax is refusing the delete this public record from our credit report.
I recently purchased a home with the intention of enjoying my retirement with my husband. Before I closed my husband passed away leaving me grieving for his loss and with half of my monthly income. I struggled to pay this mortgage for as long as I could before falling behind. The struggle has been difficult on me, I reached out to my bank in an effort to see if they would offer me any type of mortgage assistance. It was long before I found myself in foreclosure and denied for at least 3 modification requests. I finally decided to give up and sell my home- thats when I discovered that my mortgage is also upside down and had to request help with a short sale. I enlisted the help of a realtor and listed my home, I live in XXXX California and at times it takes homes a long time to sell. My bank reviewed XXXX offer on my home and countered the buyer XXXX on their offer- the buyer increased their offer XXXX but the bank denied it saying that I have a sale date approaching and that they would rather foreclose. All I want to do is avoid foreclosure and I feel like Caliber couldve of worked with us a little better and been less aggressive given my circumstances. the offer that was presented wouldve almost payed them in full and I couldve avoided having a foreclosure on my record that will follow me for at least 7 years.
On XX/XX/18 I spoke with a customer service rep with American First Finance to process a payment. I have an agreement with said company for automatic withdrawal on Friday 's once a week from my bank account. However, my employer changed thus changing my deposit status from direct deposit to a prepay debit card. Therefore, when I made a payment via telephone with customer service I authorized them to make a 1 time payment from the prepay debit card as the funds were no longer available in the original account authorized. Then on XX/XX/18, XX/XX/18, & again on XX/XX/18 American First Finance made additional withdraws in the amount of {$46.00} from my debit card without my  written, verbal, or expressed permission. I contacted American First Finance on XX/XX/18 in regards to this matter & asked they review the recording from when I made initial payment from my debit card to verify I never gave them permission to make any further withdraws from that card yet it was taking place. After reviewing the recording the manager on duty told me I did not specifically tell them not to keep my card number on file so it was automatically added as a method of retrieving payment. I explained to her I didn't specifically give them permission to save my card information either but in fact both according to their recording and my statement the agreement was for a 1 time payment & I further questioned the legality of their actions. Her response to me was that " it happens ''. That was the end of our conversation. So my question is to the legality of this situation. Being, if I have hidden a key to my home outside my house but give an acquaintance permission " 1 time '' to use that hidden key and enter my home yet, on their own accord they choose sometime in the future to re-enter my home without my permission did they some how have an expressed permission to re-enter my home because I gave them permission " 1 time ''? I don't believe that would be considered legal neither do I believe it is legal for American First Finance to re-enter into my debit card account without my written, verbal, nor expressed permission.
In XX/XX/XXXX I had a contract with a XXXX cellphone company called XXXX and had to discontinue that contract because I had to move from XXXX to USA. Legally I could stop the contract if I proved that I was moving away from my XXXX address. SO I did provide all this information to XXXX and received a letter with the confirmation of the disconnected account. 
About one year later I received a bill from a collection agency with an open amount for Euro XXXX for the remaining months I already was not living in XXXX anymore and had NOT used the service anymore because it was closed. I never received a letter from XXXX that I would owe that money and started to complain to the collection agency a law firm called XXXX XXXX XXXX. 

I called that company and finally sent a letter to them on XX/XX/XXXX ( attached ). After this letter I have not received any response from them anymore. Neither that the solved the issue nor that they still wanted to collect the money. 

That has been more then 5 years ago and end of XX/XX/XXXX I receive a letter from a collection agency who claims that they try to collect that money from XX/XX/XXXX but this time because of the years ( interest 8 % per annum ) {$1000.00}. 

I called the original company XXXX in XXXX and asked how that can happen and if the have any information about that. They say there is no file about my case anymore. It only says that the did refer my case to XXXX XXXX XXXX in XX/XX/XXXX. 
I called XXXX XXXX XXXX and they say they have NO record of my case anymore and do n't collect from XXXX anymore. The company who now collects for XXXX in XXXX have NO file on my case. Their name is called XXXX XXXX XXXX XXXX XXXX XXXX. They told me that it might be fraud. 

Now the letter I received from XXXX recovery says I should pay them that amount. 
BUT the firm XXXX says they already forwarded my case again to a firm called XXXX because they could not recover the money from me since XX/XX/XXXX. I NEVER received a single letter from them.XXXX told me about them and also about the other collection agencies I never heard about. Before there was supposed to be a collection agency called XXXX who tried to cellect the money. 
I have NOT received a single letter from any of this collection agencies and have not received a single phone call. 

I would like to see prove of any of these collection agencies that they ever sent me a letter trying to collect that money from me. As I said the first letter I received was on XX/XX/XXXX. 
Please advice me what to do.
I submitted for a deferment with Navient which was approved. I was not made aware that the deferment did not cover all accounts through Navient. XXXX loan accounts went past due without any notification to the submitted contact information causing my credit score to be reduced XXXX points. The past due amount was quickly remedied but Navient refuses to take any blame for the miscommunication and remove the credit reporting. On attempts to call Navient, they claim that their credit reporting department has " no phones and you can not discuss this situation with a live person '' which I believe is a serious offense to not even be able to speak to anyone regarding the situation. I have taken the necessary steps to dispute through XXXX and by mail but I get the same canned, automated denial. I am taking the necessary steps to remedy this situation and just want the negative credit reporting removed. I do not want to move to litigation because I feel I have been wronged and violated.
On XX/XX/XXXX I received a letter from Capital One regarding my concerns with my APR on my credit card account. I do not agree with the APR because it is still very expensive. I have a minimum payment that is less than the APR % which does n't do any good when I pay my bill. I have asked for a lower APR rate so that I can pay my card off in XXXX 2016. Capital One has continued to deny the decrease in the APR and my fees are the card are large which makes it hard to pay down the card. I have called Capital One several times and got the run around from different representatives. I was supposed to speak with XXXX XXXX the representative handling my case. She has called back one time and left a message. Again I have called several times and no one has addressed my concerns.
These accounts from Credit Control Service showed up on my XXXX credit report for XXXX different accounts and amounts and I never received a letter or notification from them on either.
Thiis debt collection agency called " capital management services '' .. has been calling me about 3-4 times a day for the past several weeks. I did talk talk to them. i explained that I had had Credit card fraud in late 2013, filed a police report, etc. The lady starts screaming at me.. " YOU OWE US THIS MONEY!! " XXXX as if it is her, that I owe money to. she is completely ballistic so, I have to ask for the supervisor. I camly explain to the supervisor what happend.. credit card/ illegal credit activity.. and ask for him to send me what it is that i charged. he was ok with this. i also faxed them a dispute, which I have proof it went thru. the very next day I am getting harrassed again by this company. a woman says " WE HAVE NOT RECEIVED A FAX FROM YOU AND THERE IS NO RECORD HERE THAT you called yesterday XXXX i am a XXXX XXXX year old woman.. I dont need someone to get my XXXX XXXX up and have a XXXX over incompetant employees in a company. 
whatever i say, They refuse. and misinterpret. " OH!! SO DOES THAT MEAN YOURE NOT GOING TO PAY us?? " ... every single day this week they have called. once, at XXXX. i am glad that they record the calls. I have always had good credit, am college educated, and the last call, the woman was creaming and screaming at me for so long..off on a tangent. I had to put my foot down and say. we are going nowhere with this conversation, and hang up on here.. while she was screaming at the top of her lunggs all this vicious hate towards me. whats sad is that the origibal creditor, XXXX.. had told me they would wait til I paid off my XXXX card. but no, they sent it to one collection agency who just sent me a letter, and then this crazy, awful, unheard of.. agency that has inept psychotic people working for them. grr .. help
Stellar Recovery, is collecting a past due balance from XXXX so I made a payment arrangement for when I go back to work because I was in school during the summer, so that they would n't put it on my credit report but they put it on my credit report anyway because they said I did not pay it within their time frame but they never told me there was a time frame so that was misleading and unfair because if they were going to report it on my credit anyway then I could 've took as long as I wanted, but I tried to settle my debt and they screwed me over anyway.
threatened that my credit will be ruined for seven years and I better have proof that the carpet in the apartment was in good condition if I am disputing. kept asking me for personal information such as my social security number. I already gave a security deposit which was not returned to me also the apartment complex was in the process of making upgrades, as each tenet moved out the carpets were removed and replaced with wood flooring. This is a scam to have past tenets pay for the buildings upgrades. During my time as a tent I never missed a rent payment, even when going without air conditioning on XXXX separate occasions each lasting several days. There was also and issue where Bees began nesting inside of my apartment when I asked the manager for help she hung up on me. the Bees were eventually exterminated. It is not possible to reach anyone above the apartment manager at XXXX, it goes to voicemail and the mailbox is full. Also I was never sent a bill or contacted by anyone that had an outstanding balance before receiving a collections notice.
I have had issues with PNC bank regarding overdraft fees since I first opened the bank account in XXXX. I have below dates and total dollar amount taken from me since XXXX. It has been a lot more than this prior to XXXX but information is not easy to obtain. it would cost me {$5.00} per statement just to obtain every overdraft fee. I have been in contact with PNC on an every week basis and I am always fighting with them some times on social media on XXXX. I was unable to obtain any reward from the previous class action against them as I was a year too late. I am willing to pursue a new one if this issue does not resolve itself after this complaint. Overdraft fees hit on my account might into the thousands.

( 2 ) fees from this time period may have been refunded since this time period but all else stands. Please see below every overdraft fee since XXXX : XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} - {$5.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$30.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$66.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$100.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$130.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$170.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$210.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$240.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$280.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$310.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$350.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$390.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$420.00}
I had a Chapter XXXX Bankruptsy filed on XX/XX/XXXX and XXXX on XX/XX/XXXX. Transunion does not report the XXXX date, so I disputed this item and sent a copy of the Discharge to Transunion. Transunion did an investigation ( Confirmation # XXXX ) and upon completion still does not list the Discharge date and also now is reporting " Date Unpaid as XX/XX/XXXX '', which is NOT correct, there is no " date unpaid '' with a Chapter XXXX Bankruptcy. I disputed this XXXX times without resolution.
On XX/XX/XXXX after reviewing my credit report I notice that 2 fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are still being reported on my credit report after repeatedly mailing my FTC report, police report and identifying information since XXXX of XXXX. I submitted my information over 6 times however they keep sending letters stating it was verified when I have sent documentation via certified mail requesting proof over 4 times. I have been getting the run around through the mail with the agency without any progression which has negatively effected my score and cause me great financial hardship.
I submitted a completed application for loss mitigation assistance to Ditech Financial LLC on XXXX XXXX, XXXX. I received a denial letter for my request for assistance from Ditech stating that Ditech forced a Flex Modification program on my account. I called into Ditech twice to find out about the Flex Modification and have it removed. The representatives explained the forced placed modification on my account and refused to remove it or cancel it. However, I found in the denial letter that I could appeal Ditech 's determination not to offer me loss mitigation assistance ; and the denying of my rights to learn all of resolution options available to me in order reinstate my loan. I fax in my appeal letter XXXX XXXX, XXXX to Ditech at XXXX requesting the removal of the Flex Modification program to have my loss mitigation assistance process proceed. I called back to Ditech and the representative said the Flex Modification program was not removed and my loss mitigation assistance process has not started.
Today ( XX/XX/2018 ) I received a letter from Chase regarding my XXXX credit card account. The letter said, " After careful consideration, we closed your credit card account on XX/XX/2018, because our affiliate is ending their banking relationship with you. You may receive additional account closing notifications if you have other impacted accounts under a different name or address. '' I do not have any bank accounts, mortgage, etc. with Chase and no other banking relationship with any other bank has ended. I have an excellent credit score and have always paid my bill on time. Every other bank has never had a problem with my accounts and all are in good standing.
Capital one closed/locked me out of using my credit card to update the card to a chip. Thus for over 1 month I was unable to have access to my revolving credit as they were unable to send the card during that time.
Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.
I just received confirmation from XXXX credit reporting agency that an item " XXXX XXXX XXXX " was finally deleted off my credit report after there investigation. However I am submitting this complaint about XXXX and transunion credit reporting agency 's as they are still reporting this account on my credit report. It has been disputed numerous times and XXXX and transunion should have received the same response from XXXX XXXX XXXX to remove this account off my credit report.