WillisBack/dataset-financial-user-claim huggingface dataset:
When I first bought and moved into my home in XXXX, NV, in XXXX 2011, I called XXXX XXXX to provide wireless internet service. A technician came out to install the system, but was unable to get a strong enough signal for wireless service. I called the company to notify them, asked them to cancel my service, and initially they said they could not since they had sent a technician out. I persisted and stated that I would not pay for service that was not provided. They relented and said they would cancel all charges. Then I received a bill from them. I called them again, restated what had happened, and the customer service rep said she would reverse the charges and zero out the account. Nevertheless, a year or two later, they had sold the debt to a collection agency who now tried to collect from me. I explained the situation and they agreed to drop it. Now this year, another collection agency is pursuing it. I asked them for the billing statements to substantiate the charges, they said they would provide it to me, but never did. I thought the matter ended, or at least until the next collection agency gets it. 

Although the supposed amount owed is only {$73.00}, I refuse to pay for service that was never provided, and for which an agreement was supposedly reached, only to have them renege and continually resell it in their package of bad debts to collection agencies. I do not owe this money, they failed to provide the service I sought, and this matter needs to end. 

Finally, I have an excellent credit rating because I honor my responsibilities and obligations. This is NOT a legitimate charge and I refuse to be held responsible for it. I have read many online reviews that XXXX XXXX chooses to conduct business in this manner, and I will not give them money they did not earn, that they told me was XXXX out, simply out of fear they will report it to a credit bureau. 

Unfortunately I do not have any documentation, since I throw out my bills after one year 's time, and did not have any remaining bills by the time a collection agency contacted me.
i wrote the company telling them i do not recall the bill nor have i ever had the this account.
ERC, a collection company who have never contacted me says I owe {$86.00} to XXXX XXXX XXXX. I do not and have dropped my credit score 42 pts  because of it. This is not me.
I 've had a loan from LoanMe since XXXX 2015 ( formerly XXXX that was wither shut down or on the verge of being so ). {$5000.00} at over 100 %. That 's not my complaint as I knew the rate was high. 

My issue is my personal bank account linked for monthly payments was hacked into. Due to this, My XXXX XXXX payment is a bit late here ( XXXX days as of today ) as my checking account was closed by the banks fraud department The calls from LoanMe started XXXX XXXX and are relentless. Over and over on my cell and at work. As of today I am up to XXXX calls from them in XXXX days! Yes, I can prove it with my cell ID and Phone at work call history. 

Last Thursday I spoke with a Supervisor and told him my situation and intentions for payment and that it should be within a week or so as I am waiting to be reimbursed by my Bank for the " Hack '' of close to XXXX from my checking account. Additionally, I am closing on a credit union loan to pay it off in full. He proceeded to start telling me when he needed money he would go to friends or family and asked why I would n't do the same. The degrading went on and on so I finally hung up. 

Since then, XXXX days have passed and another XXXX calls from them. I finally picked up today and explained my situation again. The female rep stated I should have my money back from the bank by now and suggested we do a XXXX way call to XXXX bank and she would speak with them. I hung up on her also. 

I have never had a loan from anywhere that pulls these tactics and is so aggressive let alone tells me what I need to do to seek money from others to make a payment. And .... the payment is only XXXX days late as of today. It is n't even XXXX days late AND I have been talking with them. 

Nothing short of Loan Sharks and as worse if not worse than payday lenders with their aggressive tactics. 

And, by reading may many online reviews, I am not the only one experiencing thisShame on this Company!
Received a letter fro m Fifth Third B ank in  XXXX  saying my mortgage payment will be adjusted down beginning in  XXXX . I sent the agreed amt as payment at the end of  XXXX  but got a letter saying my payment amt was short. I subsequently called and agreed to send an additional amt to bring my payment up to the agreed amt. Thinking everything was over, I was surprised to get letters in the mail dated  XXXX   XXXX  and  XXXX   XXXX  saying my loan was in default. I got another letter dated  XXXX   XXXX  that my payment has been posted, any late fees have been waived and credit bureau corrections have been made. I also got a check for {$1100.00} dated  XXXX   XXXX . I called  Fifth Third a nd explained that I got a check in the mail and was told that my payment was up to date. I then got some paperwork hand delivered to my home regarding mortgage payment assistance. I called  Fifth Third a gain on  XXXX   XXXX  and tried to clear up what was going on. I was told that I am missing my payment for  XXXX  so I told her I will send the payment my regular time at the end of  XXXX  along with another {$1100.00} which would represent a return of the {$1100.00} check sent. I followed up on my commitment and sent the payments. On  XXXX   XXXX  I got a notification from my bank that my acct was overdrawn. I checked and discovered that a stop payment was placed on the check that was deposited. I calle d Fifth Third an d asked that the additional amt of {$1100.00} which represented the check sent to me be returned to me since they already put a stop payment on the check. Since then I have called  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and to date,  XXXX   XXXX , I have not received my check. I was told the check will be mailed  XXXX   XXXX . When I called  XXXX   XXXX , I was told the check was mailed  XXXX   XXXX . When I called  XXXX , I was told again the check was mailed  XXXX   XXXX . Today is  XXXX   XXXX  and I am yet to receive my check. I explained that due to this incident, my other utilities were not paid. I explained the urgency of the situation including the possible effect i t may ha ve on my job. It has all fell on deaf ears. This situation is very distressing and has severely impacted my job and my family ...
I attended XXXX XXXX in XXXX XXXX New Jersey and my program was XXXX. I attended school 2013 and i wanted to do the XXXX. I I found out in orentation that my program was changed to XXXX at the last moment I felt it was unfair because i really wanted billing andcoding I felt pressured in to the program I did not pick but i wanted new career for myself and thats whst the promise now i ccompleted program and the promise to help get me work and they were sending more than XXXX resume to the same employer which msde it hard for me to grt work. Now im broke no job and XXXX kids to care for i cant afford to pay loans back. I sent my resume to some companies i only got work at XXXX XXXX.
I HAVE SENT  XXXX XXXX SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS X/XX/17(2  MOTHS AGO) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION,LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!
I HAVE ATTACHED THE CREDIT REPORT FROM XXXX AND XXXX. XXXX XXXX STATED THAT MY REMAINING BALANCE IS $XXXX. IF I PAID $XXXX ON TIME FOR XXXX & XXXX THE BALANCE IS ABOUT $XXXX. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!
THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE
FROM ALL 3 CREDIT BUREAUS . MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!
This experience with my car loan it 's been horrible. It was my first time buying and they absolutely took advantage of me. Even with a good credit my interest rate it 's 18 %. My monthly payments are XXXX and almost {$170.00} of that goes to the interest. At this pace I 'd never be able to pay off this loan and eventually I 'll have to surrender the car. On XXXX I called Westlake Financial and asked them to help make a payment towards the principal. The phone call was recorded so there 's proof to that, I asked the agent named XXXX to make a XXXX time payment of {$600.00} towards the principal, next thing I know & XXXX of that was taken towards interest. I specifically asked the agent if he could assure me that everything was going to go towards the principal and he said yes. 
So how it 's possible for this to happen when I was so specific about this payment? Their Customer Service Representatives are rude and unwilling to help.
Interest charges were to be 6.57 %. They charged more interest than stated. When I called and asked them, they did not have an explanation.
Hello, I sent XXXX Transunion and XXXX 4 dispute letters to verify or remove accounts on my credit report. They do not verify the items just updated saying that it was unchanged. I have asked repeatedly to provide documentation or information verifying these items were mine. With 4 attempts, they have failed to removed any of the items, and have not produced any verification. 

I sent letters to all 3 agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In most cases they did not investigate at all. I would like the items in questions verified or removed, this is causing me great distress and hurting my credit score.
To Whom It May Concern, The reason for me filing this complaint is due to AD Astra Recovery Service failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
I have been charged by Experian {$29.00} for months ( beginning XX/XX/XXXX thru XX/XX/XXXX ) for reporting services never requested. When I called, we were told that someone else had charged this monthly reporting service to our card and because we do not know the person who charged the service ( XXXX XXXX. ), these are fraudulent charges. Per Experian policy they are unable to reverse any fraudulent charges. They asked us to call our credit card company instead to contest the charges and stop payment. 

We attempted to escalate to a supervisor ( XXXX on XX/XX/XXXX ) who only confirmed that the charges could not be reversed. According to XXXX, there was no one with " higher experience '' to escalate beyond her and she was only able to give us a XXXX. XXXX number as the quickest way to attempt resolution ( though she also explained they will repeat what she is saying ). In other words, they will not resolve it. Our bank has agreed to block the merchant " Experian '' as we never have authorized charges with Experian. 

XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XXXX ( < -- XXXX said this email will only slow the process as it will simply provide you with above XXXX. XXXX address ) There are similar issues noted on other website : XXXX XXXX XXXX and here is a class action info on unauthorized Experian charges : XXXX XXXX XXXX
I have sent various letters to several of my debt accounts to dispute. Yet, don't seem to get removed from report. I have been disputing through mail and have also disputed via online.
I 'm complaining against this company for many reasons : # 1 I continue to receive documentation stating that these accounts are verified and yet I have proven that they are not - Equifax reports many of these accounts with historical payment data that clearly shows that I have been paid as agreed and yet reports the accounts with balances, collection statuses and other inaccuracies. I point this out and send the PDF reports as well as screenshots and still receive the same information each month with no difference in reporting. 
# 3 There are accounts that have had no updates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney
It was revealed recently that equifax has allowed, through improper security management, the leaking of personally identifiable and sensitive information about me to unconcented 3rd parties.
We joined & RV Park in XX/XX/XXXX& cancelled the membership back in XX/XX/XXXX. The contract reads if you do not pay dues your membership is cancelled. This was a very unsafe park for seniors. We spent a few days there back in XX/XX/XXXX & the manger got into fist fights in front of our RV as well as all kinds of cars into this park all hours of the day & nite. Not a safe place for seniors. There has been no dues paid to this park since XX/XX/XXXX. No contact what so ever with them. A few weeks a go they found this shady collection agency & they took the account & are now have put this our credit reports for {$330.00}. The statue of limitations ran out on this 4 years ago. This alleged debt is was opened in XX/XX/XXXX. The statue of limitation in Texas is 4 years. This collection agency is totally illegal. Its been at least 8 years since there was any contact made with this RV park. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. XXXX
I had a Chase XXXX XXXX checking account about 3 years ago and i was a victim of theft and fraud. My Debit Card had been stolen and was used to deposit fraudulent fake checks through my account and the money was then withdrew in advanced. Of course the check bounced and i was left with an outstanding balance of around {$4000.00}. At that time i was a minor and didnt know much of anything. I made a report with chase and told them that i did not make any of those transactions and they didnt help at all. They closed my account and left me with over {$4000.00} to pay in an outstanding balance. I think this is unfair because i was a victim in fraud and being a minor i was scared and didnt know what to do.
On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX began reporting inaccurate information regarding my bank account through XXXX XXXX XXXX XXXX I overdrafted my account and bank had permitted me to settle via a payment arrangement or fresh start program my account therefore was pursuant to FCRA in good standing in as much we had reached an agreement I have NO issue with XXXX XXXX  only with XXXX XXXX XXXX XXXX XXXX innacuratley reporting and still as of today XXXX showing i owe this amount on my Equifax report although XXXX XXXX advised them and they promised they would take it off my report.
On XX/XX/2017 there are two hard inquiries that I don't recognize with such a company from XXXX XXXX XXXX.
I have tried several times to contact XXXX XXXX XXXX about a fraudulent credit card account on my credit report.
Additionally, I have also contacted the credit reporting agencies to have this information removed. They have refused to remove this information and are unable to provide a signature for the card or term acceptance. I have explained through multiple letters that I have been a victim of Identity theft by a family member and have even went to court and proved this with another credit card ( XXXX XXXX ).
I have filed claims and filled out paperwork pertaining to this and sent to their office detailing the events of a family member opening an account. Attached you will find court documentation where I was able to get a complaint dismissed for another credit card. This account is not mine and I want it removed from my credit report immediately.
Again the reporting agencies have not been helpful and have not been able to prove the debt. In fact they are in direct violation of the FCRA and Fair Debt Collections Act. The proof for which they are utilizing does not meet the standards. They do not have a signature or ID from me and are solely basing the account on the fact it was mailed to my address which does not meet federal standards.
I want this removed immediately and I want the CFPB to make the reporting companies to validate all debt, respond to complaints accordingly and adhere to all applicable laws and regulations as it pertains to substantiating such a debt. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
On XXXX/XXXX/XXXX, we make a deposit of cash and a business check into our personal checking account. The cash was in the amount of {$3000.00} and the check was in the amount of {$3900.00}. As in Past deposits with cash, we were told that the cash would be posted to our account and would be made available immediately. When the bank decides to hold our cash for 24 hours is often inconsistent, but does seem to correlate with whether we have additional funds in our checking account. If our count is lower, it seems that the cash is held and money is pulled from our line of credit and fees are assessed for this. If we have a lot more funds in our checking account, the cash is made readily available. As of today, XXXX/XXXX/XXXX, both the business check and cash are being held as pending And money was pulled from my line of credit. When I called my bank, I was unable to speak to a supervisor and was told that the reason for the cash being held is that the deposit amount was large. This is no more than typical deposits we make and in the past cash has been made available immediatel when I called my bank, I was unable to speak to a supervisor and was told that the reason for the cash being held is that the deposit amount was large. This is no more than typical deposits we make and in the past cash has been made available immediately. This seems to Me like a way to fraud customers and force him into using your line of credit so that additional fees can be assessed. I would like a response to this and resolution.
I sent a letter XX/XX/2015 questioning my credit report and some of the accounts reporting. They sent me a letter basically calling me a liar and saying my letter was suspicious which make no sense as I followed the directions on their web site and included copies of my military ID, drivers license, social security number.
we have bill that was submitted to a collection attorney. we made arrangements to pay {$100.00} per month on the bill in the amount of {$1000.00}, with an interest rate of 10 % per annum. we have paid {$900.00} so far, however no money has been applied to the interest, and I was told by XXXX, that my original bill was {$2100.00}, instead of the XXXX. Then we have the court fees of {$220.00}, plus attorney fees of $ {$600.00}. The filing client is XXXX. the money paid has not been credited o interest or principal, it seems.
My husband lost his job in XX/XX/XXXX leaving my income as the only source for paying bills. It has become hard juggling rent, food, creditors and other debts. We contacted Barclay with our situation. With each month we are charged a late fee and over the limit fee. Each time we are told we must pay the minimum passed due amount, which has been difficult on our limited income. With fees mounting our monthly due is skyrocketing and growing out of control. We feel like even when he finds employment we will never be able to catch up and our credit will be ruined.
I have contacted Equifax multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Some of these Public Records are outdated : One was filed XXXX XXXX, XXXX and another was filed XXXX XXXX, XXXX. There are also 2 others that are more recent but are not mine. I have also contacted the courts to see if they provided Equifax with this inaccurate information and they stated " No. '' Please see attachments. Equifax have different file dates from XXXX which makes me wonder where they get the information. I need your assistance in getting this matter resolved and removed from my credit file.
Reached out to dispute information on my credit report that was entirely incorrect and hurtful to my score. Company informed me that they reviewed the dispute, but the information is still present on my account.
USAA Federal Savings  Bank And  XXXX   XXXX  can not effectively communicate  ; USAA Home Value  Monitoring on my Residence-  XXXX   XXXX   XXXX   XXXX   XXXX  , AL  XXXX  is  XXXX  dollars while  XXXX  estimate  XXXX  dollars approximately after putting in over  XXXX  dollars in repairs/modifications ;    XXXX    numerous  books Property Owners Associations etc ... have ability to decrease home value and I have had significant issues with both my home owners association and City of  XXXX  , AL ,  XXXX  ; Also  XXXX  veterans live in this area and U SAA is  a military bank, run by ex-senior officers, so no telling what influences have played out here- not for me to figure out? My realtor with  XXXX   XXXX   XXXX  contacted USAA on my behalf asking for an explanation of the  XXXX  value and got transferred around to three different people/agents, they were then told an informal estimate would be emailed to me within 24-hours. This did not happen!!! I called USAA and talked with agent Friday  XXXX   XXXX    XXXX  . I had to repeat myself constantly. This agent then placed me on hold a very long time and then transferred me to wrong department in   XXXX   XXXX  - I then had to repeat myself over and over again. I told both USAA and  XXXX   XXXX  I wanted an informal estimate, and if it was  XXXX  below  XXXX  I wanted a complete written explanation as to why. I told  XXXX   XXXX  they had  24-hours  to sort this out with USAA and get back with me and they have not.  XXXX  my writing you yet again about another issue with USAA Mortgage servicing. I am beginning to lose count now. Any assistance would be greatly appreciated.
iam having a problem with equifax i have called them i have written them and they just dont care iam trying to dispute some things with them when i go to the dispute site it rejects me saying iam not entering right information they ask questions that have nothing to do with me so they must have the wrong information there reporting wrong information on me and i should have the right to dispute i use XXXX with equifax and XXXX i have no problems with XXXX some help would be nice thank you
I dont know what this charge is i think it was my mothers but she is decease now Date XX/XX/2014 XXXX XXXX original Capital one Bank total {$740.00}