WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I received a call from a restricted number. The caller identified themselves as a representative of XXXX XXXX XXXX. The CSR fabricated statements by indicating that he was calling mde because by most recent payment was short by {$5.00} of the minimum payment due. He'd asked me hope I was going to resolve the matter. I indicated that I had already scheduled a {$75.00} payment on the due date ( XX/XX/XXXX ) and he demanded that I make the payment at that time. Subsequently, (XX/XX/XXXX ) I received a letter in the mail stating that my credit limit was being reduced tl {$1100.00} despite the fact that there is still an available balance, I am unable to use my XXXX XXXX XXXX XXXX credit card. XXXX XXXX XXXX  continues to damage my credit by reducing the credit limit on credit cards that are otherwise in good standings.
For the last two months I have been attempting to have XXXX remove past due information for a student loan and they have only corrected this information off of XXXX and not Equifax. My calls to XXXX, the student loan servicing company go answered but I always receive the same information -- that as of XXXX XXXX, my account is current and in good standing. I do n't understand why they refuse to properly report to Equifax and have the information corrected.
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX XXXX XXXX
Citbank issued me a credit card with a 24.24 % interested rate. I have a XXXX credit score with a debt ratio of like 35 %. I have not missed a payment in over 7 years. I said something to them and they slightly lowered it to just under 20 %. Question, why wasn't this rate to start with them. Seems to me if you want a customer you'd give them the best rate to start with to build trust. I have already put a complaint in asking an exact explanation of why this happened. I am going to keep putting in complaints about them every few weeks until I get an answer as to why my rate was originally set to their max rate when I have a XXXX credit score. I am saying this is predatory lending practice. I believe this happens to a lot of others who don't understand credit scores and what they're eligible for. I want an exact reason in writing why I received 24.24 % rate then lowered only after I complained to a manager. Their low rare is 14.24 % which is where i should be.
My wife and I sent a letter to Equifax on XX/XX/XXXX, requesting investigations. I am attaching a copy of the letter we sent. They were supposed to respond by XX/XX/XXXX, but its now XX/XX/XXXX, and they have not.
I withdrew {$400.00} from a bank branded atm XX/XX/2017. I was only given {$80.00}. I have contacted the bank multiple times to receive a credit back into my account. I have been told multiple dates and was last told the credit was n't due to my account till XX/XX/2017. It is now past that date and I still have not received my credit. I was guaranteed on or before XX/XX/2017 by a senior claims specialist.
On XXXX XXXX XXXX I received a notification from XXXX XXXX stating that I had XXXX new collections reporting on my credit report from XXXX XXXX XXXX XXXX stating they were all opened in XXXX XXXX. I have no knowledge of this debt nor have I ever received any written notification, phone calls, or proof of the alleged debt.
As stated before about my identity theft that took place in XX/XX/XXXX. I was awaiting on validations on original handwritten signatures and a copy of contracts on 8 creditor accounts appearing on XXXX and Transunion credit reports. Since the previous dispute found on complaint reference # XXXX to TRANSUNION and on complaint reference # XXXX to XXXX  XXXX XXXX XXXX- ( Act. # XXXX ) was the only creditor able to validate themselves with my original signature and original contract information. 

As a result of original dispute, XXXX, rightfully, according to my legal rights through section 609 of the Fair Credit Reporting Act deleted these 7 accounts from Its credit reporting because they were not able to produce the original handwritten signature or/and the original contract needed. 
These are the accounts they deleted as being non-valid and possible fraud : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX. 
XXXX/XXXX  XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 

Account below should be already deleted since no original signature and original contract has been shown for : XXXX/XXXX XXXX ... Act. # XXXX Since the original dispute I needed an original hand-written signature and the original contract within 30 days of the time the dispute was made according to my rights shown in section 609 of the Fair Credit Reporting Act. 
I already asked, since XX/XX/XXXX that you send me copy of my authentic signature and the original account contract for these account ( circled in attached credit reports ) : Since an original signature and original contract were not able to be shown within the time frame given there is a breach with the legal code of section 609 of Fair Credit Reporting Act. 
I'd request both XXXX  and TRANSUNION to follow in agreement with XXXX  and delete these creditor accounts from their reports as well. Right now your reports are in discrepancy with how XXXX is reporting with 7 of these 8 creditors.
I had federal and a private loan with XXXX XXXX in 2001, I was told by XXXX XXXX that I had an outstanding amount due after I had paid the full amount of my loan, I was told that when Obama came into office, he separated federal and nonfederal loans? and that there was a small unpaid amount of XXXX dollars, that went ( somewhere ). I was uninformed, the debt collection company that contacted me was called XXXX, they were horrible - they were insulting and called me at work, on my cell phone they were relentless. I called them and settled on paying the loan for a fraction of the price I believe I paid XXXX and they agreed to remove the rest of the debt and show it paid on my credit reporting. Earlier this year, I saw the debt magically reappear on my credit report under a new name Navient. I called Navient today to tell them that this debt was paid and to remove false reporting from my credit, I was told by the customer rep, that XXXX now has my debt loan and I would have to go through them to pay again, or provide proof of payment, Navient claimed they had NO control over my account. I understand XXXX XXXX is also Navient and Navient is XXXX XXXX. They keep lying about the loan, and shuffling it back and fourth between entities and adding fees and making it impossible to track, pay, and they claim there is no paper trail, they have refused to provide any documentation, and I have NO way of removing a XXXX year debt from my credit. PLEASE help.
My information, which I did not give to the credit reporting company, was mishandled. 

My credit information and my personal information was given out without my consent. The date of this breach was given as a range of dates starting in XXXX of XXXX and was not reported to me directly, or to the public in general until XXXX XXXX. 

The website is not responding to requests at this time and has continually hung. 

This breach of my data has made me anxious and has the possibility of effecting me for the rest of my life.
XXXX has been non-compliant with removing the unverified account CITIMORTGAGE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CITIMORTGAGE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
3 account from XXXX XXXX found in my credit report which I do not know or had business with. I file dispute with Experian and it appeared two of the accounts are deleted. One account still remains in my report and do not know the reason they keep one and delete the others. 
If two account for the same company were deleted I need to know why the third one still there? 
The company has been damaging my credit report since last year without my knowledge.
I have an account with Best Buy. I recently checked my statement on line and found a charge of about {$28.00} and some change for Debt Protection Service. Since I acquired the account I never authorized to have this service. I contacted Debt Pro company and they say it was activated in 2007 and I have been paying on it since. I called Best Buy, they could not give me a straight answer on how this was added without my authorization. I am looking at getting a credit towards my Best Buy account for the amount I have been paying for this unauthorized service since 2007.
i called chase spoke to a nasty woman in disputes told her the XXXX on my card XXXX was for dog flea collar unopened XXXX  refuses to credit. 
i told her its likely the worker but i wont be out XXXX dollars she asked if receipt said it cant be returned i said no then when i mentioned i have legal knowledge she offered to transfer me i told her no. WHY do this WHY not help a valued customer? its XXXX bucks. 
i have been a customer many years i called since i received no paper in the mail why be treated this way? i did try to resolve with XXXX
I received a phone call from XXXX on a debt that they purchased that I had defaulted on. The man 's name was XXXX and he was threating to have me thrown in jail for e-signing a bad check to them, that if I did not give him my credit card information right now then they would contact the solicitors office in my county and have me put in jail for XXXX dollars a day until the debt was paid. I have never had any interaction with this company and they purchased the defaulted debt.
I have been struggling to pay my mortgage due to a financial downturn and tried working with the lender to no avail. They canceled a modification they offered due to an error and would not help. 

But worse -- which is why I am now filing this complaint -- is that on XX/XX/2018, the Illinois Hardest Hit Fund approved the underwriting of my application for financial help and they contacted Nationstar to start the process for Hardest Hit to pay off the arrearage owed. It has been over a month, however, and Nationstar has STILL not responded to Hardest Hit to resolve this matter! I have called Nationstar almost daily since XXXX to get the status on this and the customer service people keep telling me they cant see anything in their computers and that the only department that can, internally, has not responded to the customer service operators ' " escalation '' emails to them. So customer service just keeps emailing this department, over and over, to no avail. 

I keep getting new bills from Nationstar/Mr. Cooper, going higher and higher, with skyrocketing attorneys fees, but NOTHING about this Hardest Hit payoff approval.

Today, when I again called, Nationstar/Mr. Cooper gave me the same story and also told me they are SELLING the loan to XXXX XXXX on XX/XX/XXXX!!! This is unbelievable. A total scam, they are trying to run out the clock to take my home. Why have they not responded to Hardest Hit of Illinois to get the back balance paid off and end the foreclosure?!?!?! Their sale of my mortgage to another company will now only delay things even further and jack up attorneys fees even higher!!!!! 

I think what Nationstar/Mr. Cooper is doing, not timely responding to Hardest Hit, and then surreptitiously transferring the loan in this fashion, must be illegal. 

Any help you can provide, ASAP, is much appreciated!
I brought a XXXX debit card. I loaded XXXX on the card. At XXXX. I tried to activate the card.and was told I ca n't activate becuase there is a restriction on account. Representative said she will send a email to have it removed in 4 hrs. The next day I called to check on the status is the Restriction. The automatic machine allow me to complete activation. XXXX I finish it said my balance was XXXX. I asked customer service, they said it was a debit for XXXX i owed net spend from XX/XX/XXXX I have filed bankruptcy in XX/XX/XXXX and it was discharged. Also I do n't understand how I owe money on a pre paid card. When I asked for proof of debt they said they do n't have it. And to be honest the last time I hand net spend was in XX/XX/XXXX.
( The choices above do not accurately describe this situation, I selected the one that I felt was best. ) Southwest Credit Systems ( SWCS ) has been reporting a collection account on the XXXX main credit bureaus for a XXXX account ( # XXXX XXXX since XXXX/XXXX/2015, in the amount of {$330.00}. SWCS was made aware of the fact that these charges are not accurate and in dispute based on the cramming activity XXXX was engaging in ( Federal Trade Commission v. XXXX XXXX , XXXX ). 

I was not contacted by XXXX, as I have moved from my previous address and never received information from them regarding Federal injunction or class action. I only became aware after reviewing my credit report and researching online. An online page was set-up, by XXXX, to aid in getting information regarding old/closed accounts, but it has since stopped receiving new complaints or allowing for review of old/closed billing information. 

I do not think the balance {$330.00} being reported by XXXX is correct and they refuse to change or cease collecting on this account.
Repeated phone calls and when those calls are returned, there is no answer and the mailbox is full. This debt had been cleared previously and it is showing on my credit report as in collections which is damaging my credit. Have sent an email and tried to reach out by phone numerous times. Unsatisfactory business practice and is far from how a legitimate attorney or collection agency works. As the debt concerned a XXXX medical spending account issue and has been resolved, my credit report should be cleared. Not the case.
My bank, Chase, did not process debit card purchases/checks in the order in which they were received, and also waited an unreasonable amount of time to debit my account for several purchases. The result of this was an overdrawing of my account. 

For example, I wrote my girlfriend a check for {$630.00} as my share of rent. She deposited this check on the XXXX of XXXX, and my account was not debited until the XXXX of XXXX. 
I ordered checks on the XXXX of XXXX XXXX noticing I was out after writing one for my girlfriend ) and my account was not debited until the XXXX of XXXX. Meanwhile, all purchases I made using my debit card were immediately processed. This delay of processing checks and account fees XXXX IE ordering checks XXXX while immediately processing debit card payments has resulted in an overdrawing of my account. As an example of delays in processing debits to my account, you will see on my statement an {$80.00} ATM withdrawal, which is described in the statement as " ATM WITHDRAWAL XXXX XXXX XXXX '' indicating that I made the withdrawal on XXXX XXXX. On my statement, this is not debited from my account until the XXXX.
PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX The above called me before XXXX CST. This occurred in XX/XX/2018.
this money from a credit card upon in XXXX, was paid by the insurance that I had within my card in case of unemployment or loss of income. insurance payment in full the entire amount of money. the XXXX XXXX XXXX sold it without telling me to " XXXX, XXXX XXXX XXXX, XXXX '' and they sold it to another company without information I have is happening. In XXXX " Asset Acceptance , LLC '' buy this debt without having a legal document, there is no legal or original contract between them and me. and they an tried every possible illegal methods phone calls at all hours and on weekends, they took the case to court without telling me, sending letters to an address where I do not live, now they still call my employer and have filled documents cut without my presence or my knowledge, they are forcing my employer to collect my salary money they ask to pay that debt. Now my employer is giving me a finalized to leave my work because of this problem.
Equifax has reported to XXXX ( XXXX ) different banks negative information. I.e. A Bankruptcy. I called made dispute and Equifax swears up and down they gave no information like that to these banks. The XXXX XXXX XXXX, XXXX Tx. Told me that Equifax reports a bankruptcy, that was in XXXX 2017.  XXXX XXXX, reported to this bank a bankruptcy just 10 days ago. And now, XXXX XXXX took XXXX dollars away in my credit card for the same misinformation. When I called Equifax on XXXX XXXX, 2017, I told them this, they told me they have no Bankruptcy on file. Well, I would like to know where these XXXX banks got their information? All XXXX have told me personally Equifax supplied this information, I want these banks contacted immediately and told the truth. Thank you for your time in this matter.
Mortgage Clearing Corporation ( MCC ) of XXXX, OK is dual-tracking my VA mortgage loss mitigation package ( LMP ) and foreclosure proceedings. More precisely, MCC is moving forward with foreclosure and not working on my LMP while telling me the opposite. MCC has had the LMP since XXXX XXXX, 2017 ( 2 months ago today ) and havent provided any feedback or requested any further information. On XXXX XXXX, 2017 ( 27 days after filing the LMP ) MCC sued me in XXXX County Oklahoma. MCC did not notify me of their intent. I found out about the lawsuit via snail mail I began to get from local attorneys wanting to represent my case. I called one of the attorneys to inquire as to how they knew of this situation and they referred me to the Oklahoma State Court Network ( XXXX ).  Prior to having received the letters from local attorneys, I was told that MCC was simply behind in their work and that all foreclosure proceedings had stopped until the LMP was processed. The documents filed in court by MCC state ; The Plaintiff has elected as provided in the mortgage, to foreclose In addition, MCC has not followed the other foreclosure protections outlined on the Consumer Finance website to include but not limited to ; Direct and Ongoing Access to Servicing Personnel, Fair Review Process and No Foreclosure Sale Until All Other Alternatives Considered. As it stands, I have until XXXX XXXX, 2017 to provide a written response or the judgement will be rendered against you ( me ) with costs of the action.
On XXXX XXXX, Jackson automotive ran my credit without my consent. I didnt know until I recieved all the letters in the mail from all the banks and loan companies they ran it through. I wasnt looking to buy a car or anything I was just looking. I have a car thats great. They took down my information, said its routine just in case I change my mind and came back. I did not authorize them to run my credit. I would like it disputed of my credit report.
I 'm getting daily calls regarding the debt of a loan my older brother took. However, I do n't live nearby and I do n't respond for my brother 's actions. No matter how much I 've told them to cease calling me, they do not comply and continue calling.
When trying to access an y credit score infor mation regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on   XXXX   website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I see  two accounts  are positively reporting with them so I know I have a file but every time I try to access my   XXXX   score on   XXXX   or on  XXXX  or discovers scorecard I get locked out I need to be able to access my free   XXXX    fico score  I have similar problems with  XXXX  however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since w e have reported that with the credit companies and an official change of address so I do n't understand what is locking me out
The debt collector contacted my parents at their home phone number. My mother contacted me to inform me about the phone call and stated they have called her several times, which she asked them not to call her again. They have ignored her request. She stated they threatened legal action against me if I didn't contact them. She gave me the number, ( XXXX ) XXXX, which I called myself. The number was answered quickly and I was unable to catch the company name so I asked the female what company was she with, which she then asked me to " hold on a moment ''. I asked her did she not know what company she worked for that she couldn't answer my question? She said she asked me to hold on so she could enter the number I was called from into the " federal database ''. She then placed me on hold. I was on hold for about 15 minutes before I hung up. I wanted to find out what company hired the debt collector so I could determine who I owed a debt to or if I even owed a debt at all.
Equifax is reporting a mortgage account that is closed asd has been paid in full as opened and with an outstanding balance on my credit report. I have notified them multiple times now this account is paid and closed and they have not corrected the issue. I have reached out now over a dozer time and for over a month or two now. they have ignored my requests and still show the account opened with a balance and that is incorrect. this account is closed and paid in fill parkside lending has been paid and in full and show show a XXXX balance an closed please properly update the accurately
Today I went to check my credit score on XXXX XXXX and there 's an account to called XXXX/Cbna and  Internet said it 's best buy I called and they have no record of me on there. On credit XXXX says limit of XXXX and XXXX is used and account ends in XXXX. I do n't know what this is because I have no card of a limit of XXXX. Can someone please help me understand this and is this fraud?
I HAD GOTTEN A PAYDAY LOAN AND I HAD AN AGREEMENT WITH THE PREVIOUS EMPLOYEE. I HAD RUN INTO SOME FINANCIAL PROBLEMS AND IT SET ME BACK SO I WENT IN AND TALKED TO THE PREVIOUS EMPLOYEE SHE TOLD ME TO PAY WHAT I COULD WHEN I COULD. THE COMPANY CHANGED OWNERSHIP AND THE EMPLOYEES THAT WAS ONCE THERE ARE NO LONGER THERE. THE NEW EMPLOYEES, NOT KNOWING MY SITUATION, HAS BEEN CALLING ME EVERY SINGLE DAY SOMETIMES XXXX A DAY CALLING MY JOB CALLING MY REFERENCES TELLING THEM WHAT I OWE WHAT THEY BE LEAVING MESSAGES SAYING AS WELL AS WHAT THEY GOING TO DO IF I DONT GET IN THERE. I KNOW THEY ARENT SUPPOSED TO SAY ANYTHING TO REFEENCES OR WHOMEVER ANSWERS THE PHONE AT MY JOB. NO MATTER WHAT THEY SAY ARE DO ITS NOT GOING TO CHANGE MY SITUATION
I have constantly requested that Midland Credit Management give me the documentation backing there claim that I owe XXXX money. The account that is attached to this debt is not valid ... I have complained about this company in the past. I keep receiving letters threatening me with this unfounded debt for XXXX. I have paid XXXX directly the debt which was owed. I have sent numerous letters with tracking numbers via USPS to this company and the response is ALWAYS the same ... They are unable to provide verification and documentation that there is a valid basis for claiming this debt. ( Which has already been paid ). This is causing me undue stress and anxiety.
I am repeatedly having problem 's with XXXX, investigating and deleting this fraudulent address from my credit file. I have contacted XXXX several times requesting that they investigate a fraudulent P O Box address listed on my XXXX Credit file. I have called them and been given the run around. I have written disputes, and been advised that they could not honor my request. In addition some of the information that I am disputing in my XXXX  Credit report is attached to this address. This is not nor has it ever been my address.