WillisBack/dataset-financial-user-claim huggingface dataset:
This loan was paid off with insurance and I have requested a paid out letter on the account 3 times. The representatives that handle the account when you call in are very rude and unhelpful. I requested another paid out statement on XXXX17 and again they are stating that they are mailing the letter out. I need to have a paid out letter to be able to prove that this account is paid out.
I have been contacted recently by a debt collector who has threatened to garnish my wages if I do not pay a debt. 

The account was closed in XX/XX/XXXX, and the statute of limitations on collection would have run out in XX/XX/XXXX. I was told " If I do n't start paying immediately, we will garnish your wages. '' This debt is past its statute of limitations, and I 'm being called at work and threatened for a 6 year old debt. 

The amount of the debt has also almost doubled from the amount of when the account was closed, from {$3700.00} to now a reported {$5300.00}. 

I ca n't afford to shrug off over {$5000.00} and they are not allowed to garnish my wages for this old of a debt, please help.
On XX/XX/2018. I noticed on my credit report that I XXXX Collection Agency placed a XXXX collection item on it. I then filed a complaint against them through your office complaint no : XXXX. Stating that I received something from an attorney and I didn't know who the attorney was. I RECEIVED the notice on XX/XX/2018. Advised in that complaint that in the attorney 's notice it stated that I had 30 days to dispute the validity of the debt and to request verification. However, I was never given that from XXXX Collection Agency before placing item on credit report by the company the law firm is representing as a collection item. 

On XX/XX/2018 I followed up with the number on the notice received from the attorney office. The name of the attorney office is Maury Cobb Attorney at Law, LLC. This attorney office is represents XXXX collection accounts. The date on the notice was XX/XX/2018. When I spoke to a representative not a legal representative, but works at the office. I told him per notice that I was disputing the validity of the debt. I explained that the collection Agency XXXX put the account as a collection item on my credit report. The representative stated that their firm MAURY COBB ATTORNEY AT LAW didn't add the collection account to my credit report the Collection Agency XXXX did. I stated that the same account that they are asking me to dispute within 30 days for validity, was being placed on my credit report ALREADY as a collection item. 

I asked is XXXX, XXXX and your firm all connected to the same account. The representative said yes!!
After the Equifax data breach, I signed up with the TrustedID Premier servicea service that was being offered for free to customers who had been victims of the data breach. However, after trying unsuccessfully for days to sign up ( I continually received the message Service Not Available ), I finally sent them an email indicating I was unable to reach the service. They sent me an email back later saying I was already signed up, even though I had never done it myself.

Lately Ive been getting emails and text messages saying that my credit report had changed and that I should check the details at trustedID.com. However, this website, trustedID.com, has been down for over two weeks. I tried it in two different browsers ( XXXX and XXXX ) and they both indicated that the website could not be reached.

In order to check whether it was my local system that was the problem ( even though I had no problems reaching any other websites ) I went to three different web status checking sites ( XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) and all three of them showed that the website was down for everyone.

I called Equifax ( who, as far as I can tell, owns trustedID.com ) to tell them about this problem. The first woman I talked to insisted that the website was up because she could see it there ( being inside the company ). I asked her to check these server-monitoring sites because it would be very simple for her to check what people outside the company were seeing and she flat-out refused to do so. She was rude and would not listen to what I was telling her so I asked to speak to her supervisor. The superviser also insisted that the site was up because no one had called to tell her otherwise. I told her that that is why I was calling. I also asked her to check these external sites and she also flatly refused. I could not understand their reluctance. I told them that it seemed that it would be in their best interests to know if these sites were showing that trustedID.com was down.

Again, she insisted that the website was up and was also rude. I asked to speak to her supervisor but she told me she wasnt available. She wanted to know if I wanted to file a complaint with customer service and I said yes. She connected me with customer service and the woman she connected me to was the first woman I had spoken to! Its like they only had two people working there. This woman would not take my complaint.

So this complaint has two parts : 1 ) I have *never* been able to access trustedID.com, either to set up my account or to check my account. 2 ) The customer service system they have to handle problems is woefully inadequate and seems to be determined to ignore problems with their website, even when verifying my claims was as simple as a XXXX  search. Finally both people I talked to were extremely rude.

I would think that after their egregious data breach, Equifax would be bending over backwards to improve their customer relations, but apparently they have decided this is not something they need to do. I hope you can encourage them to take their responsibilities more seriously considering the terrible toll their ineptitude has visited on their customers.
BB & T Bank, DBA XXXX XXXX XXXX has been collecting {$500.00} per month from me for the past two years on a simple interest loan. After payments totaling approximately {$12000.00}, my balance has only decreased {$300.00}. I am unable to get any reasonable explanation. This appears predatory. There are numerous consumer complaint websites that report the same idetical problem. Here is one ( I can provide many more ) XXXX XXXX XXXX XXXX XXXX ( copy and paste into browser ) It is alos intersting to note that 27 or 28 consumber reviews on the Better Business Burea website are negative : XXXX XXXX XXXXXXXXXXXX XXXX ( copy and past into browser ). My biggest fear is that BB & T ( XXXX XXXX XXXX ) will just continue to give me phony and nonsensical responses. Because of the large number of identical complaints on the web, I am assuming their business model involves stringing customers along until eventually they have no option to default ( cars CAN NOT BE REFINANCED DUE TO THE NEGATIVE EQUITY CAUSED BY THE BALANCE NEVER DECLINING! ). By the time the consumer defaults and the car is repossessed and sold, BB & T has made it 's money. Strange way to do business. I personally was victimized again when I went to purchase a new car to get out of this loan. I was offered a 2.9 % interest rate. The only way I could have refinance is to have come up with {$12000.00} to cover the negative equity.
Global Recovery Group called my phone threatening to call my relatives and they did - stating I was under investigation. Scared my daughter, asking for my address. I do n't owe this company. I read they are debt scammers. When I phoned them they mentioned they needed my phone number and another department called. They are terrible!
Current mortgage servicer took over my account mid XX/XX/XXXX. Made the XXXX XXXX payment and it was returned to me along with a letter stating they could not accept my payment because the previous servicer gave them records indicationg I had made no payments for seven months and my account was in foreclosure status. I provided documentation showing the payments were made and I was not in arrears. I have also provided documentation that my bankruptcy was discharged in XX/XX/XXXX and all payments due the mortgage company were paid by the trustee of the court. I have sent them every piece of evidence indicating payments have been made and no monthly payments were missed. Their response is that they are waiting for the previous mortgage servicer to provide them with information as to where these payments were applied. In the meantime, this whole issue hangs over my head with no resolution in sight. They have not accepted a payment from me for 5 months. I am making sure that money is kept available so I can send them what I owe them if and when the time comes. The stress is tremendous and I do n't understand why this matter is not yet resolved. I went through 5 years of a chapter XXXX bankruptcy and am trying to restore order to my financial future. These mortgage servicers are not doing enough to resolve this issue. Is there nothing that can be done to force them to get this matter straightened out. Do they have the right to just do as they please. What if I wanted to sell my house. I ca n't because of their screw ups. I need help badly as I am at my wits end.
saw I C SYSTEM INC on my credit report called I C SYSTEM INC and asked them to provide documents what is charge is all about, asked them to provide me with letter of disputed and include additional supported documents based on {$700.00} collection they put on me. Costumer rep was rude, did not want to provide anything. I assume they do not have anything to support the claim
On XXXX XXXX I did a balance transfer from the XXXX to my Wells Fargo credit card. As it turns out Wells Fargo left out a number XXXX from my account number. XXXX did not send an error message which is protocol whenever this happens. Consequently a check was sent and evidently did not get cashed. I 've been charged interest on each of these cards. They 've known about the mistake since XXXX and I 've spent countless hours on the phone trying to correct this. Wells Fargo sent me an affidavit and gave me a number of option s, none of which would describe the present fiasco. I had to promise that I would not sue them. Both banks were in error and it 's not in my nature to sue. I did sigh this and still nothing has been done. I just want this straightened out. I do n't want to pay any penalties or any interest I would not have otherwise occurred. Normally I do a balance transfer right when the interest rate goes up. I usually do n't end up paying for extra interest because i transfer the money back because of specials various credit cards have. The XXXX tellers gave me false dates about this when I inquired. I ended up paying for two or three months of high interests. I then did the balance transfer that never was recorded. Please help if you are able
THIS IS A NEW COMPLAINT AGAINST CHOICE RECOVERY LLC AS THEY FAILED TO VERIFY THE MEDICAL DEBT MAKING FALSE STATEMENTS TO COLLEC T Choice Recovery LLC is  perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public La w 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807.  False or misleading representations,  ( 2 )  The false representation of - - ( A )  the character, amount, or legal status of any debt ; My complaint is addressing the amount of the debt of {$50.00}.  Choice Recovery LLC  and the Creditor (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  ) has failed to provide proof of debt.  <P/> Whereas,  Choice Recovery LLC a nd their client (  XXXX   XXXX   XXXX   )  are making a false representation of the amount of the alleged medical debt.  <P/> They must provide the following  medical services : 1 )  Dates of th  e medical services.
2 ) What medical services did they provide.      3 ) Provide proof the medical services  rendered.    4 )  Copies of all payments made by me.    5 )  Copies of the insurance reimbursements.    6 ) Tot al amount billed to the insurance carrier.    7 ) Total insurance carrier  paid.    8 )  Copies of the copays.    9 )  Copies of the Co-insurance.    10 ) C opies of the insurance contractual adjustments.    11 ) Copy of the ACTUAL  insurance  carrier  reimbursement vouchers.    12 )  Copy of their insurance contract with the insurance carrier.  <P/> Choice Recovery LLCs failures as required by the Fair Debt Collection Practices Act, should be fined by the CFPB for their violations.
I have no derogatory marks on my financial history since I first established my credit history. I am employed and have been for the last 6 1/2 yrs with the same employer. I have shown myself to be a good credit risk for several years, however, all three reporting agencies refuses to allow my credit score to rise higher than the XXXX XXXX. This could only mean they are using factors that play no part in my financial risk i.e. my gender, race, and my demographic which are all bias.
Early Warning Services LLC   XXXX   XXXX   XXXX  ACCT #  XXXX  Incident Date: XXXX /2013 Contributing Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner.   The actions of Early Warning Services , LLC are being reported negatively and prevents the opening of bank accounts and loans ; even though the agency has not been able to provide proof of documentation of the alledged incident.
Navient has continued to offer me forebearances instead of helping me to figure out how to pay and handle my loans. I call and ask them to help me and they keep pushing and pushing forbearance ( been there done this and in horrible shape with loans ) and this coming from customer service reps who barely speak english and i mean no disrespect when i say this. My loans are unbearable ... and the only thing on my credit report thats horrible and preventing me from getting a house loan ... i applied for income based payments 3 weeks ago ( sending in my income tax from last year and paystubs ) and still havent heard a thing. This is all such a game and navient is messing with people 's lives and the ability to qualify for car home loans. Since XX/XX/XXXX i was paying {$360.00} a month and getting nowhere and still behind! I do not understand how to fix this situation wirhout putting thousands of dollars down on these federal loans i learned are controlled by navient. This is a disgusting company who is by no means looking out for the consumer. Please help!
This company has on several occasions called me, my family members, and my husband 's ex-wife stating that I have a pending law suit against me. The company gets very aggressive and threatening before hanging up. Today XX/XX/XXXX I decided to go along with the call to find out exactly what they were trying to get from me. I have 2 voicemails from a gentleman stating that there was a lawsuit against me and that my failure to respond would result in my admission and I would be held accountable by the courts. I called back and was transferred to a girl that said it was in regards to a Wells Fargo account that I opened in XX/XX/XXXX and that I overdrew the account and owed {$4200.00}, I knew that this was incorrect. She then stated that they had tried to settle the account with me for {$1300.00} which was also incorrect. I told her that I was concerned that someone got a hold of my social security number and that I would be calling the social security department, she started to get aggressive and ask why I would do that but then quickly said that maybe I should because I am responsible for the debt and I should be prepared to show the judge everything. I asked when the court date would be and she said that would be in the letter they send me. I asked her when the account was closed and she said that I didn't close the account but Wells Fargo closed it because the account was so overdrawn. I also knew this was false. I called Wells Fargo and they confirmed that I do not have any outstanding accounts with them. I was able to get the name, address, and phone number to the company that has called. I want them to stop contacting me and the people I know in regards to this fraudulent claim. The company is called XXXX XXXX XXXX, the phone number was XXXX, and the address is XXXX XXXX XXXX XXXX, CA XXXX.
I had a flood in my home earlier this year due to refrigerator line leaking. I sent my insurance checks to Dovenmeuhle Mortgage company 3 MONTHS ago. For the past month, they have had all requested ( and needless ) paperwork completed and a promise to have their inspector set up an appointment so the repairs can be verified. One month and many conversations, and emails later, and I have yet to hear from an inspector. In the meantime, I 'm out $ XXXX, AND I 'm paying interest on my credit cards because of all the work performed.
I disputed a collection with Equifax. The collection is a medical debt that ( 1 ) my insurance company has processed and authorized payment, ( 2 ) my insurance company has instructed me that under my contract I may not pay a collector, ( 3 ) is delayed because the state of Illinois has not established a budget and authorized a payments ( even though I have paid {$1400.00} for coverage every month ). The resolution was not in my favor, did not allow me to leave a statement to accompany the item, and ( most importantly ) gave me no explanation as to the basis for their conclusions ( which prevents me from adequately defending myself and protecting my credit score. ) I have dialed several customer service numbers, and get automated responses. In addition, to enter the dispute I was forced to agree to their terms that required me to agree to electronic communication only. I want to speak to a person at Equifax. If they are going to sell my information, I should have the right to speak to a person and get an explanation. My credit score was XXXX and has dropped under XXXX as a result of this collection on my credit report, resulting in significant economic loss to me. Equifax has made fairly resolving this dispute timely, difficult and confusing. I hope that the CFPB can help me clarify my rights, Equifax 's responsiblities and use this case and others like it to improve the laws to protect people from these barriers to fair treatment created by large companies in the financial industry.
Credit card company response to unauthorized charges was that it was my responsibility to deal with the auto rental company and that they " believed the rental car company '' = they felt I was a liar. Same response for the other smaller unauthorized charges. 

Credit Card company REFUSED to resolve the unauthorized charges and issue credit to my account, stating they would ruin my credit if I did not pay the charges THEY claimed were accurate despite my dispute. 

When informed I would file a consumer complaint, they got angry and stated " DO WHATEVER YOU FEEL YOU NEED TO DO '' and hung up on me.
CHASE CARD XXXX XX/XX/XXXX {$0.00} XX/XX/XXXXCHARGE-OFF {$8700.00} This account was reported back on XX/XX/XXXX, yet it still shows as a negative on my credit report. Also, when I worked this out with this company they advised me that there would be NO negative credit reporting as I paid a portion of the balance. This negative entry should be removed immediately ( see attached letter dated XX/XX/XXXX ). I previously filed a Complaint in connection with this ( Complaint No. XXXX ), and the company responded. However, I just received the attached correspondence and settlement check for a lawsuit against the settling agent dated XX/XX/XXXX. Clearly I was the victim of a fraudulent scheme by this company and I would ask that Chase correct my credit report to state that I settled this debt, as it was my understanding that I had done so. This is a negative item on my report through no fault of my own. Thank you.
Re : XXXX XXXX Transunion Report File Number : XXXX Hi. After receiving my credit report from Trans Union I discovered that I have an exorbitant number of inquiries on report that should not be on report. Some of the inquiries consists of multiple dates. I pay all of my bills on time and have excellent credit. I 'm trying to buy a house and was denied funding due to the excessive amount of inquiries on my Trans Union report. The only inquiries that should be on my report should be the from the companies that I have open accounts with and the mortgage company from who I was denied credit. There should not be multiple inquiries either. I made an attempt to correct the issue with Trans Union via their Rep. XXXX XXXX who said that he could not access my report because it was being handled by the fraud department. I explained to XXXX that I did n't believe that a fraud had occurred and that the misreporting was, in fact, something that Trans Union did. XXXX XXXX acted insensitive to the fact that Trans Union is reporting inaccurate information about me and proceeded to give me the telephone number to their Fraud Victim Assistance Department @ XXXX after I repeatedly told him that I know for absolute certainty that a fraud did not occur. I contacted the Fraud Victim Assistance Department and the only option available to speak with a representative states, that if I believe I have been a victim of fraud to push 5 to speak to a representative. Trans Union is reporting inaccurate information and bullying consumer 's by pushing their complaints into a system that offers them no opportunity to voice their complaint and fix the errors.
XXXX/XXXX/XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX