WillisBack/dataset-financial-user-claim huggingface dataset:
I have recieved a letter from First nations Collection bureau inc. In this letter they claim that XXXX is the creditor as well as Routhmeir Sterling inc Asset Management. This is FALSE. XXXX was sold XX/XX/XXXX to XXXX XXXX inc which continued to run it as wholly owned subsidiary. Class action suits began XX/XX/XXXX, They settled with the governmental agencies and this constituted the largest settlement ever against a credit card company for widespread unlawful business practices. I received a check as part of this settlement. XX/XX/XXXX, XXXX XXXX was seized by the federal government and then sold to XXXX XXXX. I have spoken with a XXXX executive named XXXX XXXX XXXX ext. XXXX. She assured me that XXXX does not collect on accounts that are as old as this. So, with that said, XXXX XXXX XXXX XXXX and Routhmeir Sterling are committing several crimes in trying to collect this debt. Fraud, violation 's of both Federal and state law 's. They obviously have no right to try and collect any debt from me as neither company posses a state license to operate as collection agency in my state. XXXX bought up the bank that bought XXXX. They do not have XXXX 's permission to try and collect this debt, I have spoken with a XXXX executive They list XXXX as the creditor and that company no longer exist 's. This is fraud as far as I am concerned. If either of these collection agency tries to put this on my credit reports then I have no other recourse but to bring legal action. for violation of the Fair Credit Reporting Act, violations of the Fair Credit Reporting Act, various state law 's and Defamation of character. They even sent coupons for me to make payments with, how nice of them. This company obviously PREY 'S upon people that do not know the law. They are continuing to try and collect a debt that I do not owe or is not mine. 
I am pondering the avenue of legal action against these companies at present.
I have been dealing with Citi Mortgage for several Months trying to conduct a Short Sale of my residence. All documents have been submitted for review ( were again verified complete over 30 days ago ). But every month the case is reassigned to a different short sale representative. We are now about to lose our buyer due to failure on Citi 's part to process in an acceptable timeframe.
I receive on average 8-10 calls a day from Navient. This is after I 've told them when I 'm going to make a payment towards them. I 've asked them repeatedly to stop calling for reasons of me being at work, and just from the disturbance of having them calling like clock work. This has to be harassment and it 's stressing me, because I 'm not in the greatest position to pay them but I have to endure repeated calls and not to mention the blow my moms phone up as well.
I requested validation to Collection Agency, XXXX XXXX, as my right under the FCRA and they responded to me on XX/XX/17 a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XX/XX/17 and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ). A letter was sent to XXXX on XX/XX/17 explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by XXXX on XX/XX/17. I just received an email from XXXX today, XX/XX/17, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to XXXX on XX/XX/17 requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.
I have a capital one credit card account that has restriction due to suspected fraudulent activities.I called there Fraud Department and I talked to a representative and fraud specialist to validate and verify all the the information that I own the account after verifying all this information they still wont able to remove the restriction to my account so I can use itXXXXagain.This account is paid off and there is no balance.I 'm requesting that I can waive or remove the restriction to my credit card account.And they sent me a PIN but how am I suppose to use my card it has restriction to it.
I made arrangements for my vehicle payment to be deducted from my bank account XX/XX/XXXX. I noticed when I checked my bank account that the item was returned. I then went online and made the payment XX/XX/XXXX using my bank card. The message I received online from Prestige Financial advised that the payment would post to my account XX/XX/XXXX. I received a text message XX/XX/XXXX from Prestige advising that my account was 31 days late and that I needed to make a payment. I contacted Prestige and advised that I had already made the payment. They advised that it was not posted until today XX/XX/XXXX so I was being reported for being 31 days late to the credit bureaus. I advised that this was not fair as the message I received when I made the online payment advised that it would be posted XX/XX/XXXX at which time I was only 28 days late. The person also advised that I made the payment on Saturday and that there was no one there to post the payment. I advised that this was not my problem, but now thinking back the payment was made on Friday XXXX and my receipt advises that the payment will be posted XX/XX/XXXX. I should not have to dispute something with the credit bureaus and is incorrectly reported to start with. I have had a problem with this prior as I have been reported 30 days late two times XX/XX/XXXX. I 've requested to have this information in writing on several occasions but have been advised that this could not be done. I finally did get an email advising of two months that had been reported. After reviewing my credit report they are not reporting the same months consistently with the bureaus. I feel that those months should not be reported as well as those payments were made but was posted to their account a day or two afterwards. I have disputed this information with the bureaus and have not successfully got this resolved. I feel that the two late XX/XX/XXXX needs to be removed from the credit bureaus as well. The FCRA requires that information is reported and reported accurately and must be resolved in a timely manner. I have been disputing those for over 8 months.
I initiated voluntary repossession on XXXX vehicle loans with USAA. On Friday, XXXX XXXX I received my first notice that the sales had been conducted. The notices included the balance of the loans not paid by the sales. The notices ( XXXX notice for each vehicle ) told me to contact USAA by XXXX XXXX and XXXX to setup payment plans. I called on XXXX XXXX to do this. Again on XXXX XXXX, XXXX, XXXX and XXXX. However, USAA had already referred my account to collections! I 'm being contacted by phone and mail by their collection company, XXXX XXXX as of Friday, XXXX XXXX! 
I have made every effort to cooperate with USAA throughout the voluntary repossession process and just want to set up my payment plans. Thank you.
Progressive account # XXXX I am writing to dispute this debt. XXXX XXXX XXXX XXXX XXXX keep calling me in reference to this debt even though I have wrote them a cease and decease letter and request validation ( a written contract bearing my signature to support their alleged debt. I have given them more than 30 days which is the required time by the FDCA. I have not heard back from them. I would like to request an investigation for I have never had any business relationship with this company or the company they represent. I know my rights and I will not hesitate to take all legal necessary steps to protect myself. i am recording all call from this company and keeping a record of all correspondence from them.
Background. Paying with Paypal is always a challenge to pay by credit card. By default, the option for payments available when you check out is always cash from a bank account, and to pay by credit card, you need to edit that option each and every time. Recently I purchased a laptop with Paypal and when I did checkout, I changed the payment option to my XXXX. However a couple days later I was shocked to learn that paypal did not use my XXXX but withdrew the money directly from my bank account!
I have been receiving phone calls at my job and my cell phone every day four to six times a day. The young woman will give me her first name only not the name of a company. Then she will ask me if she can transfer the call to someone else who wants to speak with me about a personal matter. I decline and tell her to stop calling me and take me off whatever list they have.Then she calls right back stating she is someone else and she is attempting to collect a debt. I tell her again to stop calling me then she says she will call my job again. And she calls again. All from different XXXX and XXXX area code numbers. 
HARASSMENT IS NOT A FITTING WORD FOR THIS BEHAVOIR.
Today XX/XX/2018 I tried submitting a dispute online with XXXX. I answered all the security questions and put in the information they were asking for after all that an error message came up that I am unable to submit a dispute. I am submitting this complaint because there are a few accounts on my XXXX   credit report that do not have the correct balances. My XXXX XXXX card is reporting more of a balance owed than what I actually do owe. Also my XXXX  XXXX accounts my balances have decreased by {$300.00} they are reporting with higher balances. I attempted to correct this but unable to get online to do so.
this is not dulpicte complint For the second tine the debt recovery solution lilac is reporting account number on all credit report that is not mine. My first complaint Reff to CFPB case numbers XXXX. See all documents on file.
We have told them repeatedly that we will be going through bankruptcy. ( Will be filing next week ) please come and get the vehicle. Since then somebody named XXXX has called my wife and I daily wanting the attorneys name. We are self representing with the help of an independant paralegal. Even after being informed she continues to call us daily. I told her repeatedly just come get the vehicle. She sltill persists.
This school is complete fraudulent I attended the school without a high school diploma and they offer me job replacement I was unable to do anything with the degree offered because no one honors the school. When I started school I asked them if I would be able to use my credit to go to another institution to further my education no school accepted the credit from this school and yes I now have my XXXX so that was n't the problem moving forward.i wrote them I disputed because im willing to take legal actions to get my money back so I could receive a loan to go to another school
My lease with the apartment complex XXXX XXXX ended on XX/XX/XXXX. I received a final statement through email and regular mail. It said I had 10 days from notice to pay the amount of {$170.00}. Which I went in and paid on XX/XX/XXXX. I have a money order receipt signed by them stating that I was paying my final statement in full. But now it has come to my attention that I have an account in collections that is demanding said amount when it has ready been paid for. Not to mention that upon further inspection i have realized that i was over charged. The bill stated that my lease ended on XX/XX/XXXX which let them charge me extra for staying until XX/XX/XXXX. Which is not accurate given I signed a 13month lease concluding on XX/XX/XXXX. It also stated that my reason for moving out was " money problems ''. In the whole 13months I lived there I missed paying on time once and that was a time mismanagement on my part. I did informed them when they asked what my rent would be at the new complex, that it would be about {$300.00} cheaper. I don't believe that wanting to save money is a reason to be considered as someone who has " money problems ''.
The lending agent tried to push through a loan that I was not qualified. 
He was given tax returns and still tried to push the loan wXXXX cks. 
I will have no home & have storage charges for a 4br home to pay. 
The lending officer has not responded to emails on how to handle this. 
Supreme lending in XXXX GA is the company of complaint. 
Now I have to start on a new loan, please note I had paid for inspection. 
The buyers have to place the home back on the market, so many losses! 
The additional expenses are mountaining daily!
I was contacting the hospital to find out if I had any outstanding bills that were not ran through my insurance. I was told I had to contact a few agencies by the hospital to ask about my insurance being ran on some outstanding claims. When I contacted Eastern Revenue, I was contacting them specifically in reference to a different date of service that I had been told about by the hospital that took place in XXXX and was placed on the phone with an XXXX XXXX to talk about what I needed to have ran through. He started explaining I had several outstanding debts with their collection agency, I had only contacted them to ask about whether or not my insurance had been ran through for a date of service in XXXX. During speaking with him he was harassing me about the other dates of service that are outside the limitation of collection, he kept asking me to make payment for them and to make arrangement for them to be paid. I explained I was not calling about making payment I wanted to know if my insurance had been ran through before the charges were placed against my credit for the XXXX date of service which was my right to ask. Since then I have received calls from them several times a week regarding collection of the outstanding debt for charges dating before XXXX. The debts were not on my credit report and they refused to send me a statement of verification or anything in writing about what they claimed I needed to pay right then and there. I never asked about these debts or promised to make payment to them. They reopened these debts from XXXX as if I contacted them about them and promised any sort of payment and are now contacting me several times a week for payment on a debt that was written off years ago that I didnt contact them regarding nor did I have prior knowledge of before contacting them regarding a claim that should have had been partially or fully paid by my insurance company. They have threatened to sue me for the debt and to get payment through alternative means of collection?? I dont know what that means or their intentions are however I feel that this is a sincere threat from them.
Regarding Citi XXXX credit card account. Citi XXXX card was cancelled by Citi on XX/XX/2016 citing concerns about payment. The letter did not explain the detail of concern leading to the cancellation. 

Prior to cancellation of the account spending requirement was met for XXXX status in XX/XX/2016. Prior to cancellation spending requirement to earn free weekend night in XX/XX/2016 was met. None of these benefits were delivered prior to the account closing. 

In addition cancellation has also negated any benefit provided under the annual fee. The legitimate use of citi 's credit services that qualified these rewards can be substantiated.
This is a continuation of a resolved issue. I have recently resolved an issue with  Velocity I nvestments, they closed a case against me that should not have been brought in the first place. They issued a judgment against me. As they have closed the case and have sent a dispute letter acknowledging the closure of this case, I would like them to issue a Praecipe of Satisfaction to remove this from my credit report. Because of them I have had this on my credit report for more than 10 years. I have been in contact with a company representative who stated that he would in fact help get this document produced by the attorney and have it submitted to the  Prothonotary, how ever it has been almost a month and this has not happened. Thus, this continues to be reported in error against me.
I was left a message on my voicemail from XXXX XXXX stating that they have sent information to my address from 9years ago about an alleged XXXX XXXX debt and they will be pressing charges for check fraud. I called the number left with the claim number she left me and was asked to provide my SSN for verification. I refused. I told them that I do not owe any debt to XXXX XXXX. I need verification of this debt. I let them know that I need to speak with my lawyer before anything happens. My phone number has not changed in almost 20yrs. If they wanted to send me a bill to my current address, I 'm very easy to find. I was told that they will just put the information in and I can explain it to a judge.
I was contacted by the debt collection agency regarding a debt. I informed them that I did not owe the debt. I emailed them a copy of the payment that was given to XXXX XXXX XXXX. The debt company moved forwarded and placed a negative report on my credit report. I have asked them to remove the statement and they refuse to. They simple state " Debt Paid ''. However it was not paid to them but the creditor.
Account # XXXX and # XXXX for Department of Education/Nelnet were official discharged on XXXX/XXXX/XXXX but they continue to show on my XXXX and XXXX credit files as 120+ days late with comments of 180 days late. This status has been updated as of XXXX XXXX, XXXX. When I contacted Nelnet they indicated that they have not reported on that account since XXXX XXXX, so they did not indicate that to any credit bureaus. I have submitted supporting documents proving these accounts are showing 120+ days past due and have asked them to send me a letter indicating what the current status is to send to the credit bureaus for updating and they refuse and continue to not to offer any help in this matter. I have disputed this inaccurate information several times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit.
On  XXXX   XXXX ,2017   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Pa  XXXX   XXXX  this company had an inquiry on my credit report that was not authorized by me.
I have written four letters disputing XXXX XXXX XXXX from XXXX and TransUnion. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
In XXXX of 2017, Equifax had a security breach that has put my personal data, as well as the data of millions of Americans, at risk. In addition, prior to making the data breach known to the public, several executive leaders of the aforementioned company sold millions of dollars in company shares, which is the textbook definition of insider trading.
They called me IQ Data International.. on XX/XX/18 I had no idea I had two things in collections..

The guy was screaming at me and using abusive language with me, threatening my credit if I didn't pay the full amount on that day.. he wouldn't even give me options to pay, or give me time to THINK HOW i was going to resolve the issue. 

I felt violated and highly disrespected.
This debt collector contacted various family members and told them how much money was owed and that I needed to call before I was arrested for not paying the debt. I had family members call me and send photos of the number that would call them. They also left threatening voice mails on XXXX family members phones. I contacted them and requested verification on the debt and they refused. Multiple people disguised their voices, sent us to different extensions- like the legal department. When I was scared for what they might be able to do and to get them from contacting my family I agreed to a settlement. After paying the settlement they called back and said that I did n't pay the settlement fee of XXXX per loan. So I had to fork that over to get these people to leave me alone. They also said that if I did n't pay that they were going to send the police the next morning.
I have an account with XXXX I opened an account to them back in XXXX for a furniture cost {$4600.00} and agreed to pay {$140.00} monthly payments and have financial struggle back in XXXX for at least 6 months and I tried to catch up with all my bills and they agreed to accept my payment arrangement to pay them for {$140.00} XXXX last payment was made is {$140.00} for the month XXXX XXXX and my remaining balance is {$1100.00} and COMPANY REFUSED TO UPDATE MY CREDIT REPORT REFUSED TO UPDATE MY BALANCE ON MY CREDIT REPORT IT SHOWING THAT I OWED {$2000.00} ISNTEAD OF {$1100.00} AND I AM PAYING THEM MOTNHLY COMAPNY SAID HTEY WILL ONLY UPDATE MY CREDIT REPORT IF I PAID IT IN FULL REGARLESS OF MY BALANCE RIGHT NOW.. I dont thind this is fair for me that I am trying to pay my bill to them same as my other outstanding bill I hope I can get this fix
I have a mortgage with Caliber Home Loan. I have an automatic recurring payment set up so my payments are automatically made XXXX of every month. This XX/XX/XXXX, I changed my recurring payment to twice a month because my salary is paid twice a month. Since interests are calculated with daily accrual, I thought it would save some money. However, Caliber held on to the payment that was made on XX/XX/XXXX and applied the payment with the next payment on the XXXX of the following month. I was surprised by that and I thought that was an inefficient use of cash. So in XX/XX/XXXX, I changed the automatic payment back to once a month expecting it would either make a payment on XX/XX/XXXX or make two payments in XX/XX/XXXX and start making one payments per month from XX/XX/XXXX. However, it skipped XX/XX/XXXX 's payment entirely and made one payment in XX/XX/XXXX. As a result, I was charged with a late fee and potentially I will see a delinquency on my credit report. This is insane. I paid the delinquent amount back immediately on XX/XX/XXXX.