WillisBack/dataset-financial-user-claim huggingface dataset:
I switched insurance companies in XXXX from XXXX to XXXX. I had an outstanding balance due and received a final bill from XXXX in early XXXX. I sent a payment of {$5000.00} to them on XXXX XXXX and was going to pay them {$50.00} every 2 weeks until the debt was paid. I received a call today from Caine & Weiner a debt collector as XXXX turned my account over to a collection agency after they accepted my partial payment. I have a bankruptcy on my credit report and we are trying to buy a house this summer. We were told by our mortgage banker that we can not have any late payments or collections on our credit. I tried calling progressive today and they said I have to refer all my communications to the collection agency. They say that the final payment letter went out to me on XXXX/XXXX/2016 and they do not accept partial payments however they gladly accepted mine. What can I do now?
I was contacted at my job from this debt collect or XX/XX/XXXX. I tried to speak with the debt collector but he was continuously yelling at me and also hung up the phone on me. He proceeded with saying that they would be moving forward with what their decision would be to do with my collection but did not specify any detail and hung up the phone. I talked to the debt collector on Thursday XX/XX/XXXX because they have been calling my job and cell phone number back to back we also talked briefly and I shared that I would be able to make a payment. He also accused me of lying and pulled up a report with all of my other information. So I just need guidance or something of what to do from her we. He also never specified the amount to me that I owe
I do NOT have a signed contract nor any contract with Target. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
A lawsuit was filed against me by Pressler & Pressler Law office. I was never notified stating that a lawsuit would be taken if debt isnt settled. I found out via an already filed suit.
" " '' I have disputed this Public Record on this Bankruptcy chapter XXXX-discharged XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Initially I filed claim # XXXX. I initially stated that this company reported my information to the credit bureaus but after careful review another company under the name XXXX ( XXXX XXXX XXXX ) reported something similar. However, XXXX XXXX XXXX sent me a letter on XX/XX/XXXX for I debt they claim I owe of {$1800.00} and they stated the original creditor was XXXX XXXX XXXX. On XX/XX/XXXX I sent a letter back stating that their debt had been disputed and that they are to provide me with proof of any contractual agreement I have with them to pay them any debt. They responded back on XX/XX/XXXX with a letter simply stating I owe {$1800.00} on account number XXXX but with no information on the procedure used to determine the accuracy and completeness of the information. I am not familiar with the original creditor and don't recall ever having any services done from them. I sent a letter out today on XX/XX/XXXX requesting 1. The procedure used to determine the accuracy and completeness of the information 2. A copy of any viable evidence bearing my signature showing the account is being reported accurately XXXX XXXX XXXX stated in response to my initial claim that they don't have to provide proof bearing my signature that I have an obligation to pay them. Do they expect someone to pay a debt they claim is owed without any proof? If you can not validate this debt you must request that all credit reporting agencies delete the entry. If XXXX XXXX XXXX went about obtaining my information in a non legal manner then they my be in violation of HIPPA laws as well as FCRA and FDCPA.
XX/XX/XXXX Sallie mae/Navients normal web page was down as far as making payments, and so the site redirected me to a seprate page, I made the payment, but apparently entered in an incorrect number for my account. I realized the mistakes days later when i saw no change in my balance. In realizing the potential problem I called to ask for verification that the payment went through, they told me they will put in a request and then never got back to me. 

Weeks later they call me with one of their automated systems telling me I was being sent to collections for not paying the amount due. At that moment i explain to them my having called previous to ask about it and then paid for both that month and XX/XX/XXXX. 

During XXXX XXXX weekend of XX/XX/XXXX, i recieved atleast 3 calls from sallie mae/navient to tell me my loan payment for the prievious month is late for somewhere between 200-400 dollars. This Automated system did this through the weekend even though when you go through the process during at that time there is no one at debt collection. Meaning every time I was xalled through that weekend it was just to burdun me and leave me feeling harassed! It wasn't till the week after that i was able to reach someone. And in trying to explain my situation to the operator on the phone, she was somewhat grough with me as i tried to explain the money was inappropiately allocated, and acted as if the issue was my fault. It took a second phone call to get someone to actually listen and see what their system did! 

During this time they also inconvenienced and harassed my Grandmother and Aunt who where my co-signers. 

When I called to ask about taking them off as co-signers they told me I would need to be in good standing of paying my loan for 2 years for that to happen, but at that time without the incident at hand that would have been the case. 

I have also had issue with there conduct as far as changing my loan payment schedule. Last year the loan payment due was well over 50 % of my monthly income, and in asking to lower it, they tell me I had no available opinions, and on one specific call to ask for assistance my call was dropped no less than 4 times, and sent to collections 3 times even though my account was upto date. And finally when I did get to finally talk to someone who actually took the time to talk to me.
Citi is issuing a XXXX brand VISA credit card to replace an XXXX XXXX XXXX credit card. I was not asked if I wanted the Citi VISA card or given an opportunity to opt out, either by XXXX or Citi. Citi ran a credit report without my permission and as a result, my XXXX score plummeted.
Navient has been contact me stating that I am past due on payments. I have been enrolled in school for the last two years. In XXXX I spoke with a representative on the phone and they did a deferment, without paperwork. However, this past fall ( XXXX ) I started receiving phone calls and notifications that I was past due on payments. I called again and explained that I was still in school. They stated they looked through the " XXXX XXXX XXXX XXXX '' database but that my SSN must be wrong. I 've spoken to two different agents on the phone about this and to one via chat ( I have screen shots ). All have said there is an issue with my SSN. They seem to jump to this answer very quickly. I have reviewed my information with the school and my SSN is accurate. I contacted XXXX XXXX XXXX and confirmed that my school submitted their enrollment/attendance information on XX/XX/XXXX. I asked the first associate I spoke with last week where I needed to send my documents if I needed to have my credit report updated to reflect that I was in school and thus they could not make bad reports on my credit. The individual told me a XXXX XXXX to send it to. I asked what was the business name. They stated it was the Credit Bureau Association. I asked them to confirm this again, they did. I XXXX the XXXX XXXX and find this : Navient XXXX. XXXX XXXX. XXXX, PA XXXX. No indication if that is their credit reporting offices or not. 

I reached out to an enrollment advisor at my school and obtained documentation that I had been enrolled for the past two years. I got onto Navient and tried to upload it, but there was a file size limit. I used their chat option to get in contact with an associate. There was an immense amount of difficulty for the associate to " receive '' my documents via e-mail and only after I stated that I would be happy to wait that they offer to e-mail me directly so I can respond with the documents. I sent it and offered to wait again. I notified the associate that I had cc 'd myself and my father on the e-mail and they came through almost immediately, but that I would be happy to wait as long as necessary. I also asked if I would be receiving a copy of the transcript of our conversation ( a standard for most businesses ) and they stated that they would be unable to do that. I notified them that I took several screen shots so that I can reference it later if need be fore e-mail information, etc. Suddenly, the associate received my e-mail with the documents. They said that it would be " processed '' and that I should receive an update within a week. 

They did not confirm if the information that I sent was adequate, who I would be hearing from, a number for me to call to follow up. I have screen shots of the conversation outlining the immense obstinance there was in assisting me with my concern. This is not the first time that the communication practices with Navient have been far from transparent.
I have health insurance XXXX by the state I dnt suppose to be responsible for medical bill Medicaid supposed to pay it
I went on XXXX this morning and there was a change to my account that XXXX XXXX had sold an account to Falls Collection. I have been disputing the validity of the debt with wisconsion energy, and falls collection has submitted to the credit bureaus that this is a collection WITH OUT GIVING ME ANY WARNING THAT THEY HAD PURCHASED THE ACCOUNT, NOR HAD THEY GIVEN ME ANY CHANCE TO DISPUTE THE DEBT.
I have an un-authorized inquiry on my credit report with Equifax from XXXX XXXX XXXX. I did NOT give XXXX XXXX XXXX permission, thus allowing a hard inquiry to reflect on my credit file. I was not made aware, nor were there instructions letting the consumer know that they would be pulling my credit report. What I did was, I added overdraft protection to my personal banking account. No where on their website did it say that they would have to run my credit just for me putting overdraft protection on my personal account. I had no knowledge that they were pulling my credit nor did they have my permission. I am requesting that this un-authorized inquiry of XXXX XXXX XXXX be removed off of my personal credit file with Equifax, and XXXX.
Included in my 39 page complaint. Equifax re ages alleged XXXX Charge Off account. XXXX  report attached. I have a XXXX credit score with XXXX and Equifax violation of laws is intentional causing DOCUMENTED emotional and financial hardship. Loss of credit and ability to obtain credit. Equifax has deleted Charge off XXXX account 5 times and re places on my credit report without notification or notification of re insertion. No XXXX  UCC11 SHOWS my name under no debt owed. Certified copy from the state of Michigan shall be available within two weeks. I have Equifax on 5 FEDERAL VILOATIONS OF THE FCRA act, Attorney General of XXXX   has been notified 3 times now of Equifax 's violations. Will be taking further action if not removed permanently.
1. Have very strong credit history and payment history with all credit cards 2. In XXXX I applied Amex Delta card for XXXX miles + statement credit, which I did n't receive after 4-5 calls ( every time being assured and waiting few weeks ). Finally, was told wo n't receive miles, so had to cancel the card. 
3. I kept getting similar offers from Delta & Amex, which I ignored 4. While booking my Delta airlines for Alaska, I once again got offered as part of the booking, which I confirmed to receive before applying as part of ticket booking 5. I met criteria in less than a week to be sure 6. After not seeing miles or credit, I called. Was assured after lengthy discussion and informed to get call in a week. 
7. Same thing happened 4-5 times, but there was no follow-up call & each time getting to know " by mistake case has been closed, but will be taken care in a week this time for sure '', only for me to call after a month to be again given false assurance. 
8. Finally after few months, I am being told wo n't get any miles or credit, 'I was given wrong information earlier and nothing can be done '. Underlying message was read terms & conditions, all other assurances were just sales gimmick. 
9. This is beyond frustrating & bad business practice and need to be really resolved. Also need to stop them from doing this again to any other customers.
I am asked that XXXX XXXX  re-consider they decision. As I stated, I was unaware that my payment increased to {$1200.00}, so I sent in the regular payment of {$1100.00}. Thereafter, I discovered that my XXXX payment was short and since received a late payment mark on my credit report. At this time, I contact XXXX XXXX escrow department and they agreed that the payment might have change in error. They review my account and performed an escrow analysis. They reduced my payment as close to the original payment the following month. ( See attached escrow Analysis )
Fay servicing XXXX XXXX has not made my payments via escrow acct to insurance company all while I was under the impression that they had this escrow acct and were doing so! They also have misapplied payments in an effort to foreclose upon my home! I requested to get my home reappraised since the value has greatly risen they denied this giving me incorrect information and immediately sent a person to my home onXXXX and or XX/XX/18 this was done after I got insurance on my own yet they still hold funds in escrow on the account I have asked for escrow funds to be returned to be due to their failure to pay home insurance! I have had head injury, many surgeries and have been laid off from my job recently!
XXXX XXXX bank is appearing on my credit report as a authorized user. i have not asked nor authorized to be added as a authorize user to this account. please delete this account from my credit profile
The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my XXXX bankruptcy
I was a victim of Identity Theft. Someone opened a Discover Card using my personal information ( probably a family member ). This is showing on my credit report and ruining my credit.
I was sold a mortgage by bidding on a home that was foreclosed, the saleman press to bid higher and higher to win the bid. the saleman connected me the person finance my loan at Flagstar bank, Flagstar Bank kept telling me they work with me after informing them I needed help and after they assure me they were not going to foreclosed. I sent {$2000.00} and then found out my loan was to another loan company, XXXX
This reported debt has been removed from my credit report numerous times as it has been found to not be my account. This company must have purchased the debt again and are refusing to provide me proof that this debt is mine. I have never been to this medical facility. I have disputed this through the credit bureaus but they have failed to provide me that proof and only list it as verified. This account is not mine and I have no contract with debt recovery solutions
I noticed that I was not receiving the promotional terms that I expected. O  n   XXXX   XXXX   2017 I asked why I did not see the expected  XXXX  points bonus on restaurant purchases applied to my spend to date. The research was concluded on   XXXX   XXXX   2017 with the conclusion that I am not eligible. This was communicated to me when I asked on  XXXX /2017. Attached is the expected promotional terms around the time I applied.
 XXXX 
 XXXX  bonus points on restaurant spend  XXXX  points on all your qualifying purchases on your first $  XXXX  for the first year plus on top of that a 30 % annual bonus 12 months 0 %
Recently, I discovered that a collection agency named ProCollect had reported a collection balance on my credit report. Prior to the account appearing on my credit report, I never received a notice of my right to dispute. I contacted the company to file a complaint about not receiving a notice of my right to dispute prior to the account appearing on my credit file, but they did not remove the account from my report. This is a violation of the Fair Debt Collection Practices Act.     Additionally, I requested that Pro Collect verify the debt they were trying to collect by sending me a copy of the original signed lease as well as a detailed monthly pay history on this account, which clearly demonstrated where this supposed debt originated. The did send a copy of the lease, but they have not sent me a detailed explanation of how the {$1500.00} debt they are trying to collect was calculated. That is also a violation of the Fair Debt Collection Practices Act.     And finally, I also reached out to ProCollect about setting up payment arrangements should this debt ever be verified as legitimate. Their representatives informed me that they would not accept payments from me.  Reporting  a debt on one 's report, and refusing to accept payments towards the resolution of the debt is also a violation of the Fair Debt Collection Practices Act.
In XX/XX/XXXX I submitted a complaint against Freedom Mortgage and it appears they do not understand not only contract law but the simple fact that a Federal Law supersedes any of their " rules ''. Since XX/XX/XXXX I have been dealing with these guys so lets talk legal terms. 1 : In your last response you spoke of a " Contract '' that is between Freedom and Myself. In basic contact law one must have a contract, review the contract and approve the contract to be held accountable for said contract. Freedom purchased my home loan and I have never seen, or agreed to any terms with a contract that was never delivered to me. IAW If an agreement is not signed, the terms of it are generally not binding. Binding means that the parties are legally obliged to carry out their obligations/duties in the contract. Not only did I never agree to your terms ; I have never seen your so called contract. Most contracts must contain two elements to be legally valid : All parties must be in agreement. Something of value must be exchanged -- such as cash, services, or goods -- for something else of value. 2 : In XX/XX/XXXX Freedom was found guilty and paid a {$2000.00} dollar fine to the State of Mass and was also found guilty of Federal laws which is exactly what Freedom is doing currently. Freedom is currently in violation of the Mortgage Relief Act of XX/XX/XXXX which states if a borrower submitted a payment that covers the Escrow, Principle, and Interest the mortgage MUST process this as a full payment and later will receive the late payment from the borrower. Federal law trumps any rules that Freedom might have in a contract I have never seen or agreed too. 3 : So going forward in may I owed only XXXX and moving forward I am only owe Freedom a back payment of XXXX in late fees. Even in your own response you admit to not following Federal Law. So I am no longer playing this has gone too long. You will apply those payments as required by law or I will be forced to take this further.
Signed up for an online medical course in XX/XX/2013. I was not able to complete the course I notified the loan company and school who would not cancel the loan disputed numerous times still keeps popping up on credit report. I am not responsible for the debt as I did not complete the course.
In XX/XX/XXXX I consolidated my Student loans through the U.S. Dept. Of Education. I combined all my loans in to an Income Contingent Repayment loan. I have been paying these loans on time without issue since XX/XX/XXXX. Recently on XX/XX/XXXX I received a letter form Reliant Capital Solutions ( a collection agency on behalf of the U.S. Dept. of Education ) claiming that I had a student loan that was not paid and a balance of XXXX. 
I called the collection agency and explained that this could not be mine as I have been paying all my student loans without issue since XX/XX/XXXX and all my loans were consolidated in to an ICR loan in XX/XX/XXXX. I asked them to send me proof of the original debt and they said they would send the original promissory note with the original documents. 
On XX/XX/XXXX I received a packet from Reliant that had nothing to do with this outstanding balance they claim I owe. they sent me copies of my Loan consolidation paperwork from XX/XX/XXXX. So I called back and explained what they sent me. I told them that my ICR paperwork DOES NOT prove this alleged debt. So I asked again for proof of this alleged debt, they said this was all the paperwork they had from the US dept. of education. So I told them that if they can NOT provide proof this debt belongs to me they must cease all collection attempts and close this matter. again they said they would send me the proof. I have to date received NOTHING. 
So I called the US dept of education. they told me that this debt was from XX/XX/XXXX and they see that I went through them inXX/XX/XXXXto consolidate my loans, and they were aware of this loan in XX/XX/XXXX. and if I consolidated in XX/XX/XXXX it should have been a part of my consolidation. I explained that this is why I don't believe this loan is actually mine and I once again demanded they provide with original proof of this loan. 
they said they would. However as I have stated earlier I have not received anything from Reliant or the U.S. Dept. Of Education since. 
I sent a formal Dispute and demand letter by certified mail on XX/XX/XXXX. In that letter I stated again that I was disputing this loan and demanded original proof of this debt. I also requested a response within 30 days of receipt of the letter. It has been over 30 days and again Zero communication from them.
I responded to a banner ad from US Bank to open an account with promo code XXXX. I had to do 3 XXXX send money transactions for XXXX over 3 months. I also registered my cell phone with their app. Before it was opened, I had to talk to a banker to verify information and in the process I asked her if the promo code looked good and had been accepted and she emailed me back that it did. Now, it's time for the XXXX bonus and US Bank replied that I had to live in the XXXX area and missed it anyways by a month. That's surprising because I printed out the terms and read the fine print and did not see that.