WillisBack/dataset-financial-user-claim huggingface dataset:
Received my only credit card prior to a 2 week XXXX vacation to reduce possibility of fraud while abroad. Returned home and waited for the statement, it came the next month with a late fee. I called the company and said we are getting off on the wrong foot - you sent me a statement that was after the due date - with a late fee. Chase would not budge. On XX/XX/18 I paid the balance in full over the phone with a chase representative ( {$3800.00} ) and closed my account with her over the phone due to their dishonest business practices. 
I receive a statement for {$31.00} on XX/XX/18 ( no XXXX statement sent ), again indicating that I had a {$16.00} balance and they attached another {$15.00} late fee on, after they closed my account and took my final payment over the phone. 
I find their business practices unfair, dishonest, and I believe the public needs to have the ability to protect themselves from these XXXX dollar corporations with unfair practices. As a veteran, I have moved over to XXXX for a credit card and have had none of these occurrences. 
We as individuals in the country, are literally becoming economic prey to these big banks.
I have always made my loan payments on time, even recently sending a {$1000.00} dollar principal payment. Today my husband and I have attempted to obtain the interest portion paid from XXXX for tax purposes, however no one with the bank seems to be able to identify that dollar amount, and after requesting a payment history be mailed to us we were hung up on. We request the CFPB investigate whether this bank is appropriately applying payments according to the terms of contracts or simply making up their own rules as a financial institution.
Experian did their investigation and came back with updated information. Well i called the creditors which i will list and they all came back and said they have no infomation on file. How did Experian investigate without calling the creditors to see if this was my account. Also in 2013 I was a victimn of ID theft which Experian could have a did better job at investigating the inaccurate information becasue it is still on my file1.XXXX account # XXXX ( no file ) 2.XXXX Bank Account # XXXX ( no file ) They sold this account to XXXX XXXX so it is being reported twice. 
3.XXXX Bank account XXXX XXXX XXXX and XXXX account XXXX XXXX are the same account. I have a letter that i will upload saying for the credit bureaus to take off my credit5.XXXX XXXX account # XXXX ( no file )
I was upset after I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Hi, I just received a bunch of emails regarding pioneer credit company calling people. They disclosed my personal information to at least 4 third parties, called my employer before XXXX ... more than once, I have the screen shots they sent. Because of this, they will not be asking me to work for them again they said. These credit people also called my younger sister, not a co signer or anything and someone from world bank. What the heck is going on? This is harassment and I could have ticked off ALL of the complaints for this company. All of this stress and illegal disclosures and I still have n't received any proof that this debt is mine.

I would like this company to stop harassing me immediately and to stop contacting me immediately.
Transunion and XXXX are both reporting a missed loan payment from XXXX forXX/XX/XXXX. I graduated XXXX onXX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.
XXXX XXXX XXXX is the attorney representing XXXX XXXX, who has sued XXXX XXXX over debt collection. The suit was filed in XX/XX/XXXX. XXXX was not aware that the suit had escalated to the point of a bank levy, which was withdrawn from XXXX 's bank account out XX/XX/XXXX without prior notification. The levy included the amount owed, interest, attorney fees, and court fees. The total amount being sued is almost double the amount owed. 

Since the withdrawal of the levy in XX/XX/XXXX, XXXX has been attempting to contact XXXX with the assistance of his daughter, XXXX XXXX, in the hopes of resolving the case. 

XXXX can not be reached directly through the number provided. Representatives of his firm answers the phone and the representative explicitly states that they can not provide a number to which he can directly be reached. Representative does not state what position they hold in the firm. When XXXX requested to speak to an attorney directly or for direct phone number, representative stated they can not put in such request giving the reason that the attorneys are either very busy or are out of the office on business. Since XXXX was not initially aware of what the case was about or even how the levied came about, request for more case information and documents was denied by representative. The representative told XXXX the only way to access court documents was to request it from directly from the court. When XXXX asked for any options for the levy to be returned to the bank account, representative denied any other option other than paying them in full for the sued amount. Representative did not make it known that a claim of exemption was available. Recordings of phone conversations with representatives are recorded by the firm. 

XXXX was able to get court documents directly from the court. After examining the documents, it can be noted that the proof of debt did not include list of transactions that was not paid. The proof consisted of a bill that already had the accumulated amount with past due dates. After doing some research, XXXX found that a claim of exemption may be filed for a return of the levy and was filed shortly thereafter. 

On the day of the hearing to determine the claim of exemption, XXXX was not present. After the judge heard each side, judge approved for a partial return of the levy. XXXX stated that other potential resolution in regards to the case could be made by communicating to the other party outside the courtroom. After greeting the other party outside, the other party stated she was a representing lawyer that the firm occasionally hired. The representing lawyer also stated since she is not the attorney assigned to the case, she could not answer any questions that XXXX XXXX had. After leaving the courthouse, XXXX made a call to the firm to see how else to resolve the case. The representative stated since they have not received any information from the court, they could not answer any questions. When requesting to have firm call XXXX back once they receive court information, they rejected request stating that the firm is too busy to make any call backs.
I have tried for months to get my monthly private student loan payment through Citibank lowered. I have explained I am not working and have not been working for over a year and unemployment ran out. They agreed to let me defer one month ( because they said that 's all I had available to me XXXX. They have called me at all hours of the day and night, sometimes 5 times a day if my payment is late. When I ask for help they have told me time and time again that they can not do anything and it will just have to go to collections and I can just deal with them. They have no compassion, no understanding and could care less that I am not working ... they asked me how I plan to pay my monthly payment and I told them I will have to start selling my personal property and their response was well you have to do what you have to do. I have never been more disappointed in my life with a financial institution. I am just asking for my payment to be lowered, I am not asking them to pardon me from paying back my debt. I went to the University XXXX XXXX online and completed my XXXX Degree.
I have a mortgage that was sold to Caliber Home Loans last fall. I pay into an escrow account to cover property taxes and insurance. In XXXX XXXX I sent Caliber a copy of a property tax bill that I received from XXXX XXXX, VA, as instructed by Caliber. In XXXX of XXXX I received a delinquent notice from XXXX XXXX. I called the Tax Department at Caliber, giving them the pertinent information and was promised that the bill would be paid. On XXXX XXXX I received a second delinquent notice from XXXX XXXX, with penalties added to the amount owed. I called Caliber on XXXX XXXX and again was promised that the bill would be paid, but remain skeptical. As of today, I have an escrow account balance of {$3500.00} and the tax bill is for {$1900.00}.
My family and I have been receiving harassing calls from a debt collector company called API Recovery Solutions. One of their representatives calls my mothers house multiple times per day and called both of us at XXXX today. When I called back the representative was very rude and said if I did not make a payment arrangement on a default loan today he was going to submit my file for review so they could sue me or set up wage garnishments as I am refusing to make payments on the loan. I told the representative ( a XXXX XXXX that he no longer can call my family any more and that him calling me so early in the morning is a serious problem. The rep then advised me is company is not a debt collector but a " mediation company '' so he does not have to put my family on a no-call list and refused to transfer me to a manager/supervisor when I asked for one. He then proceeded to hang up on me after telling me I do n't sound like someone who wants to handle my responsibilities.
Capital One Credit Cards, This company says they help you with building your credit but they do not work with you to pay your bill, instead they hurry up and send your information to the credit bureau to damage your report.2013 they changed their name and relocated still attempting to charge fees.
I have credit inquiries on my XXXX credit report that I did not authorized from XXXX XXXX XXXX for the following dates : XX/XX/2017 ( twice ) and XX/XX/2017 ( twice ).
i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened i have a cousin same name who used my name and there conspiring with him
We had a loan with XXXX mortgage. We ran into personal issues and I left my job as a XXXX to care for my mother. We called XXXX they offered a Loan modification. We started trial period XXXX, XXXX XXXX We payed everymonth on time. The XXXX payment was showing late. When I called suntrust they said the date was the date they were able to apply the full payment. The XXXX payment to the loan modification was also late payed by XXXX. But the XXXX payment is showing on time. We had a full offer on our home and XXXX gave us a payoff greater then the amount owed. We had to pay {$6000.00} more then owed. XXXX said we never completed the XXXX Modification process. The loan modification process was started XXXX XXXX, We sold our home XXXX XXXX, XXXX. We are now trying to purchase a new home. We are told we are still in a " partial Payment Process with XXXX. When on XXXX XXXX XXXX, the loan was statisfied at a greater amount that was due. I tried to clear this with XXXX, Transunion and Experian. This has been a nightmare. We are trying to get into a less expensive home. XXXX refuses to update the credit report showing we are not in a partial payment program. THe loan modification is still showing on our credit report and we cant get new financing.
On XX/XX/XXXX I got an initial communication letter from a foreclosure attorney by the name of Brock and Scott stating that i owned XXXX and had XXXX days to dispute debt About XXXX XXXX days letter I received a Notice of Acceleration Letter stating that Brock and Scott was advertising my property for a non judicial foreclosure sale on XX/XX/XXXX less then 30 days and less then XXXX consecutive weeks from the foreclosure date NOT TO MENTION, I DID NOT GET THE OPPORTUNITY TO ASK FOR VALIDATION PRIOR TO THE ADVANCEMENT OF COLLECTIONS. They have violated the non-judicial Georgia Foreclosure laws and Federal Laws and I dispute the debt I also attached an email from a Bank of New York XXXX representative stating that her form XXXX does not own the loan or the property. So how is Brock and Scott advertising that the XXXX owns the loan?
Around  XXXX  I noticed that a collection agency by the name o f Choice Recovery  was reporting  XXXX  debts on my credit report. Initially, I disputed those debts with the credit bureaus as having no knowledge of the debt. Well the debt was deleted from   XXXX   and  XXXX . After several of unsuccessful attempts of disputing the debt directly with  XXXX  and requesting proof of what was actually used as verification I then reached out directly to the Collection agency. On several attempts I requested that they provided me validation of the debt, proof that I specifically and legally was responsible for the debt as well as they were able to legally collect on the debt. As of date I have received no validation of the debt or requested proof. Request were sent certified mail on  XXXX / XXXX / XXXX , and  XXXX   XXXX ,  XXXX  and  XXXX / XXXX / XXXX . Please see attached verification of disputes, and request for validation
This collection XXXX named XXXX XXXX XXXX XXXX Legal Department with the acronym GCFS.Inc bought a debt account to XXXX on or about XX/XX/XXXX, but the affidavit was signed by XXXX XXXX on Monday, XX/XX/XXXX. On the affidavit of Sale XXXX XXXX stated there were XXXX payments made on this account. They were debiting the payments to XXXX XXXX XXXX, and charging NSF fee, late fee, Interest fees more than 60 % and the amount was growing and growing. As GCFS.Inc stated I had some bank accounts with XXXX XXXX, they got garnish against XXXX XXXX XXXX account I never opened. XXXX XXXX send a letter stating that I had no bank account with them. 

The Unfair, deceptive, abusive practices Collection Agency, and illegally sued by XXXX XXXX  XXXX XXXX Legal Department against my persona is a violation of Fair Debt Collection Practices Act. I never was served, not in person or with a Certify Mail. My daughters XXXX, and XXXX that time never received a paper sent from the court. 

No mail was received from them until XX/XX/XXXX. That take me for surprise a lot because I have not had account with XXXX XXXX XXXX. I have not had received any letter from XXXX or GCFS.Inc ; for me, this was fishy. So, I summit a complaint to Consumer Financial Protection Bureau with Case Number XXXX on the date of the XX/XX/XXXX. XXXX XXXX replied I had no account with them. GCFS.Inc replied that they served me and that their collection is from XXXX, now their property. They never validated the debt. They send me a copy of the contract of XXXX without signature, I never signed anything from XXXX. 
I filed a police report on XXXX when my purse was stolen. According to the papers they send to CFPB, the loan was given on XXXX by XXXX, GCFS. Inc. - XXXX bought the loan to XXXX - XXXX in XXXX. GCFS sued me in XX/XX/XXXX, my daughters XXXX and XXXX at the time. I found out about this on the mail in XXXX but ; once again, I did not was served in person as they said, it was on my mail box. It is a win, win, for them because I never knew that I had to go to court. That secured the exorbitant gain of {$12000.00} dollars or {$21000.00} dollars as XXXX contract said, without really knowing and making sure they were suing to the right people. 

You can not sue or, accuse and convict a person with false testimony, based on fraud or identity theft. It is a violation of the law. Hiring court date to win your demand. 

Too late for me to fight and to protect and defense myself from this depredators. I have file an identity theft reports with police, also to the three Credit Bureaus. The latest is : GCFS.Inc renewed the garnish order to XXXX Superior Court Case XXXX. I pulled out a regular mail from my mail box on XX/XX/XXXX it was again a Notice of Levy ( Enforcement of Judgment ) on my XXXX XXXX  account. The damages against my persona are too much. I will never recover from Identity theft. This collection company make me their slave for life, thanks to the California Laws allow renew them forever. The XXXX contract has the date of XX/XX/XXXX up to day are eleven years, with no signature on the contract.
I have been paying back my student loan for 5 years now. I got a warning on my credit monitoring account that my student loan balanced increased by XXXX dollars this month. I then went through and looked at my payment history. My original amount borrowed was {$36000.00}. In five years I 've paid a total of {$31000.00}. The life of this loan is until XX/XX/XXXX ( another 26 years ) at this rate. I will be paying {$150000.00} on a loan that is {$36000.00} borrowed. Which is absolutely insane. I 've called multiple time and Navient refuses to even review my loan or provide any reasoning to why my loan is in it 's current situation.
I called these companies to have all my inquiries removed because some one tried to apply for credit cards in my name and was not authorized to do so. Now these are listed as hard inquiries on my credit report with the 3 bureaus. None of the inquiries have been removed yet. XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXXt- Hard Inquiry- XXXX, XXXX AMEX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX XXXX- Hard Inquiry- XXXX
I called in late XX/XX/XXXX to ask the representative if there was a hardship program where I could defer some payments or lower my monthly payments. I was told no by a young lady. A few weeks later, XX/XX/XXXX, I missed my monthly payment for {$350.00} due to financial hardship and inability to pay. A few days later, a young man from the company called and told me that there is a program for financial hardship and the lowest payment is {$150.00} per month. At the time, I did not think I could commit to pay that amount so I declined to set up a payment plan. He said I could call back if I changed my mind. I did call back a few days later and spoke to a young woman and who helped me set up a payment plan for {$150.00} per month to begin with an initial payment on XX/XX/2019. I received email confirmation of this payment plan with the terms and payment dates beginning XX/XX/XXXX. Every day since then, Ive received 3-5 calls per day from the representatives in debt collection telling me that I owe {$150.00} per month beginning XX/XX/XXXX. Im unable to do that and it is not what I agreed to. The representative I spoke to on XX/XX/XXXX, a young man, told me that my payment plan would be cancelled if I did not pay by XX/XX/XXXX. I refused to pay because that was not what I agreed to and he refused to let me send him the email confirmation to show him proof that I did schedule it for first payment on XX/XX/XXXX. That was yesterday. They have already called me 5 times, 3 of those being today between the hours of XXXXam- XXXXam. This to me is harassment! They are also calling from a blocked number. I am annoyed and fed up with their unfair practices and it does not seem right that they set up terms of payment plan that they now deny! Please help.
End of XX/XX/2017 had reservation for XXXX Georgia XXXX. 
Prepaid through XXXX on my dads card for two nights Hotels was nasty - Drug dealer out front, not AC, old, smelly with Intense ... Bed sagged, we never stayed. Triggered my XXXX, attendant told me all rooms and lobby smelled same. I think they were a welfare hotel but the sleazy XXXX looking girl in lobby. Attendant even left premises to get girlfriend, causing us to wait 30+ minutes to inform him we are not staying They took my debit card to use for incidentals ... no authorization to charge, Charged me {$58.00} plus for one night, never stayed there though - stayed at XXXX last minute. 

Fought all I could, and have attachments. 
Called XXXX corporate, the hotel itself, Bank of America. No signature to charge for room. Proof I never stayed there. and proof we paid through XXXX. PLUS - the hotel shows they refunded some card that is not even ours. 

Colossal waste of time. And the fees the imposed? Completely wrecked my business trip financially, ran out of money before it ended. Never seen such a low class run, disgustingly dirty smelly hotel. Have traveled the world ... and this was bad. XXXX did nothing to help, XXXX said they had no power and took down complaint. Bank of America said I was late in replying to a letter sent over XXXX and XXXX XXXX. Dates are all there. See attachments
I thought I was doing a personnel favor for my CEO. I was sent a spoof e-mail in my companies mail box. I was defrauded on XX/XX/2016 for an amount of {$55000.00} US. I can send the corresponding XXXX e-mail along with correspondences with Detective XXXX XXXX of the XXXX Police Department XXXX ( XXXX ). 
Money WIRE was sent to Citi Bank, XXXX XXXX XXXX XXXX., XXXX, CALIFORNIA, UNITED STATES, XXXX, BANK ID XXXX XXXX
I have contacted transunion credit bureau on multiple occasions in regards to inaccurate inquires on my report. I have informed this company that I have been a victim of identity theft and I have put a free on my report. How ever this company refuses to remove unauthorized inquiries for XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. As per the FCRA transunion must report correct and true information on my credit file. These inquiries are unauthorized and I am asking that they be deleted. However transunion is violating my rights and privacy and I will take action by suit to have these false inquiries removed from my report.
Transunion glitch removed all of my inquiries from my credit report in XX/XX/XXXX and put them back on there. I contacted them and faxed them a copy of my credit report before and after and they have not removed the inquiries from my report.
Back in XX/XX/XXXX, I file a complaint against this business with the XXXX, " Conn 's '', concerning theirs illegal collection and calling practice. I file a cease and desist letter with this company to stop calling me concerning their practice and they tell me only my cell phone number is on that letter and they can still harass me on my house number. Since they can tell me this and try to harass me when payment is not late, XX/XX/XXXX I had enough and stop paying them all together. These account was open XXXX and I was never late on paying my bill. Since XX/XX/XXXX they been calling my house phone with ghost number at least 4 time a day on a regular bases. Now they place it on my credit report and damage my credit and they believe I am going to pay them. They will never receive a payment from me as long as they continue their practice.
XXXX and I as a consumer came to an agreement and account was paid and closed by me. Was told that account will be removed and it has not been removed.
My account I had with Credit Acceptance was paid in full on XXXX 2010. It is currently being reported as " charged-off '' and a " collection '' account on my XXXX credit reports.