WillisBack/dataset-financial-user-claim huggingface dataset:
A cable company we had 6 years ago that was paid in full before moving ... all of a sudden without any contact in 6 years decides to send us a collection letter for {$1500.00} ( right after we buy a house ) the collection company is a well know FRAUD/SCAM collection company and this bill from XX/XX/XXXX was only first reported in XX/XX/XXXX out of the blue and to only one of the 3 Credit Bureas too ... this is fraud and I want it removed from my credit report.

The company is AFNI
Please inform status of check # XXXX. The funds were sent on XX/XX/2016 through XXXX account to Banco Popular .The payment appears to be completed, and the funds were withdrawn from the Pended account in the amount of {$720.00} on XX/XX/2016. The funds were supposed to be applied to the checking account # xxx-xx XXXX with Banco Popular. The check was cashed by Banco Popular and has n't been deposited yet. 

Attached is a copy of check # XXXX on both sides cashed by Banco Popular. 

Sra. XXXX
The company portfolio recovery keeps harassing me through phone calls claiming I owe a debt which is over 6 years old. I do n't owe anything to this company and have no idea who the original debt came from, this company keeps threatening me and family memebers at my realtives door step, I had to change my phone number twice, they keep harassing me telling me through voicemail and mail that I will be sued and taken to jail for not paying a debt which I do not own.
On XX/XX/XXXX, I opened an account with XXXX when I purchased a washer and dryer from XXXX. They assured me that XXXX would remove my old washer and dryer and install the new washer and dryer in my home. The sales associate was given my physical address for delivery and my XXXX XXXX XXXX billing. When I was called on the delivery date before the washer and dryer were to be delivered, I was informed that the delivery did not include removal of my old washer and dryer and set-up of the new washer and dryer. At that time, I notified the delivery company that I would not be accepting the delivery. I then telephoned XXXX and inquired as to what happened with the service I paid for with set-up and haul away. At that time, the representative from XXXX informed me that the salesperson was new and didnt know that XXXX doesnt provide set-up and haul away services, even though I had been charged for those services. I then went up to the store and they informed me that they would cancel the purchases and close the credit card account and there would be no fees. 
In late XXXX I received a credit report that showed a delinquent charge with an unpaid balance. This charge stemmed from my purchase of a washer and dryer at XXXX. I telephoned XXXX and XXXX to try to straighten out the charge but was unsuccessful in getting a resolution. In order to complete my closing, I was required to pay the {$300.00} delinquent charge and work through this dispute after the closing was completed. What I have discovered since that time is that XXXX was sending statements for the washer and dryer I never received to my physical address ( where I dont receive mail ). On XX/XX/XXXX, XXXX mailed me the statements for the account I closed on XX/XX/XXXX. These statements show that I was charged delinquent fees for not paying on the account starting with the XX/XX/XXXX statement, even my credit report showed that XXXX reported the account closed on XX/XX/XXXX. It appears I continued to be charged late fees and interest. 
I was expecting the amount I paid, plus interest be refunded to me immediately. I expected XXXX to send me a letter stating that this is not a delinquency on my part so that I had something in writing to show if I have any other issues with this dispute in the future. In addition, I was also expecting that XXXX clear up my credit by informing the credit agencies that I was not delinquent on the account and that an error was made between XXXX and XXXX. XXXX has not cleared up my credit and despite attempts to resolve this myself with the credit agencies, the credit agencies have not accepted my dispute and revised my credit information.
We financed a car on from Prestige Financial Services in XXXX XXXX XXXX UT. Our payments are due on the XXXX of each month. On XXXX XXXX we traded in our vehicle and received a better rate through a different company. We notified Prestige right away. We are now getting multiple calls and texts that we owe the car payment or they will put us in default. We 've asked them to stop contacting us, and to contact the dealership, but that has yet to happen. Today, we got letters saying we are in default and must pay ASAP or the car will be repossessed ( which we do n't even have ). It 's getting really annoying to be contacted multiple times for something we are no longer liable for. We even have all the paperwork of the transaction. And we are still within 30 days of the payment being considered late.
This company continuously miscalculates escrow and did n't pay the tax bills I sent to them until I reached out to them 3-5 times. To this day, I have sent XXXX tax bills and only XXXX was paid with my initial request over a month ago. The XXXX tax bills exceeds the escrow amount so I asked that it be increased or recalculated. Instead, they decreased it. Their customer service is usually awful, and people usually have no clue what I 'm even talking about.
A would-be creditor ( " XXXX '' ) has listed XXXX collection accounts on my credit report. Both claims are from employees of XXXX, of which XXXX. Aside from the questionable general legitimacy of these claims, I do n't think my personal credit report should reflect claims relating to employees of an XXXX. 

Thank you for the assistance.
My mom XXXX suddenly in XXXX. We later found out it was XXXX. I was forced to take care of my little sisters. In order to keep the home I started making payments on the house and the utilities, which caused my late payments. I contacted Capital One who said they would remove the late payment notices for XXXX and XXXX out of goodwill because I did not owe a balance on either credit card. I have the original letter I sent, they did not respond so I called and thats when they said the would remove them next billing cycle. The balances were paid in full. I have not had another late payment in nearly 3 years. They never removed it despite them saying they would. I called back and they denied their agreeing to remove them.
On XX/XX/XXXX original loan XXXX, on XX/XX/XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX ,XXXX, XX/XX/XXXX XXXX,XXXX,XXXX, and two recites showing different amounts owed.and everytime you call, or go there asking question pertaining to your account there rude, have attitudes, or make you uncomfortable.
I am currently paying on a car through Prime Acceptance and they constantly call my cell phone which charges me money. Even if I am one day late they call. I also believe they are charging me an unfair amount of interest and late fees. I also requested a copy of my contract and they refused to provide.
There was not an applicable option to describe my issue. This is one of several complaints that I have against Portfolio. I always submit my complaints through the CFPB because this agency needs to be aware of this debt collectors tactics. Portfolio has responded several times to my complaints but they have not answered my single question. WHEN WAS THE DATE OF FIRST DELINQUENCY? Portfolio randomly picks dates and numbers to put on consumers credit reports without any regard for the FCRA. Enclosed is what Portfolio has put on my credit report. They have the date of first delinquency as XX/XX/2014 but the date opened is XX/XX/2014. I am not going away until my question is answered. If you cant answer it, you cant make up dates.
US Bank has changed the terms applicable to it 's XXXX XXXX credit card, after the payment of the annual fee. The application specifically states that the holder receive a XXXX night 's stay free for each award night booked, and the compensation for such is the payment of the annual fee. 
Now, the Bank purports it can adjust the terms of it 's contractual obligation after the annual fee had been paid. 
Reference is made to the following advertisement for the credit card which clearly states the benefits are in return for payment of the {$75.00} fee. The only proper resolution is to continue to provide the benefits until the card anniversary. A refund of the fee is unacceptable as the contractual obligation of the Cardholder has been met. CFPB should require specific performance, as the value of the XXXX free night far exceeds the annual fee. The Bank does not have the protection of XXXX v. XXXX as it is not an airline and can not make at-will changes to the program after payment of the annual fee. 
XXXX referral=commissionjunction
Experian is reporting a XXXX account on my report. I have sent several validations letterrs and they have not followed through and showed my paperwork that this is my account.
Key Bank approximately two years ago while setting up a refinancing of my mortgage suggested I open a checking account with points to get benefits from moving my money from other banks to Key Bank. Currently it was brought to my attention by my Key Bank branch that I am not collecting reward points from my checking account. I asked my branch to look in to this. They suggested going back to the original location that I set up my refinancing and my checking account ( XXXX XXXX in XXXX NY ) I spoke with XXXX XXXX XXXX Vice President of the branch. He said he would look in to it. Now several weeks later and XXXX voicemails later and also a call in which XXXX said he will get back to me in 1 hour never happened and no resolution has been made. I would like a dollar amount total of money I moved through my account and the equivalent of the point value added to my account.
On all XXXX of my credit reports there is XXXX XXXX XXXX # XXXX which is shown in Adverse Accounts. I included this in my Bankruptcy which was filed XXXX/XXXX/15. That fact is not shown on none of the Credit Reports and I wish to change that on all XXXX.
I filed a Chapter XXXX in XXXX. I received information from my mortgage company regarding a loan modification, which I immediately responded to. I had sent all of the documents requested, I have even continued paying my mortgage on time. I have left messages for the manager to contact me and I have not heard back from anyone. I have expressed the struggle I am having to pay my mortgage and I am being ignored. I also asked that they take me off auto pay as I need time to catch up with payments and they refuse to assist me. My account is in the negative because they did not honor my request. Please help me.
Fraudulent collections account. Called this company on numerous occasions, they referred me to XXXX XXXX. Called XXXX XXXX, they referred me back to Stellar Recovery. This happened also back in XXXX 2015 and was removed by the collections company. There is no validation for this collections account and account is fraudulent.
Recently checking my credit report Equifax on XXXX/XXXX/2017, I noticed information wrongly reporting, or incorrectly reporting on my credit report from my student loans for {$3300.00} which was already consolidated from XXXX to XXXX. I would like this resolved. I tried to resolve this on my own but I could n't get it handled.
I have been dealing with Navient for years and have many issues. Most recently, I submitted my annual renewal for my income based payment plan on XX/XX/XXXX. Since then it has been denied with the reason of needing my ex-husband 's signature due to a loan consolidation back in XXXX. I have explained multiple times on the phone with different customer service providers through Navient as well as through email exchanges. I have explained I have been divorced since XXXX and have rare contact with my ex husband, but Navient continues to demand I obtain a signature from him. They have also continued to charge me late fees on top of a monthly payment of XXXX. If I could afford such a payment I would not need the income based repayment plan.
I reviewed my credit report and found an auto loan issued by CarMax Auto Finance, XXXX XXXX XXXX, XXXX, VA XXXX list. I do not have a car or loan with this company. I did accompany a friend to the CarMax dealership and he purchased a truck. At that time, the dealership indicated he ( XXXX XXXX ) was buying a car. They had me sign some paperwork. But I do not know what I signed and they did not provide me with documentation. I was approximately XXXX year old ' working XXXX. My income was sufficient to pay my own bills, but not someone else 's. The salesman indicated I would not be responsible for XXXX 's car payment. They just needed someone to vouch for him that had good credit. I live at home and have no " real '' assets. I am upset about this incident. I did not intend to or realize I would be liable for this debt or it would reflect on my credit report. I was pressured by the Saleman and XXXX XXXX. At the end, I really do not have any idea what I did. The dealer did not provide any information for me to keep. How can someone understand their obligation and responsibility if a company does not provide the information. They just kept telling me to " sign here '', etc ... I do not have an account number for XXXX XXXX 's loan. I do not believe the loan has been past due. However, neither the bank or the dealership has since communicated with me regarding the status of the loan. This is an unfair and deceptive act on the part of the salesman and the bank. If XXXX XXXX was not qualified for the credit, he should have been denied. The lender should not have insisted ( on the spot ) that I sign documents to support his loan. This has placed me in an aweful position as a young female. I do not believe the Car salesman would have treated a male " friend '' in the same manner. If XXXX XXXX needed someone else on his loan, the lender should have required someone with an income that would support XXXX 's payment and their own credit obligations. the bank should have required someone with sufficient savings or other assets to cover the loan. An unrelated-person should not be permitted ( or in this case ... pushed ) into a contract with another person. I did not understand the position the lender was placing me in when they asked me to sign documents that I did not understand. I did not agree and did not understand I would be responsible for this debt or the credit would show up on my credit report. Because neither the salesman or the bank provided me with documentation of the contract and other documents related to this transaction. I should be released from all obligations and the credit reported on my credit report should be removed. How can someone be held responsible for a contract if they were never provided copies of the contract or provided the opportunity to read and understand the documents/ situation. I have been bullied and harassed into this situation. The practices of CarMax and the salesman are unethical, unfair, and deceptive. I bet the salesman would be very upset if someone did this to their daughter or spouse. Please help me resolve this nightmare. thanks.
Thank you CFPB. In regards to complaints numbers XXXX & XXXX I 'm satisfied with the company 's response. Please cancel any further action. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
On X/XX/2017 I went to the online portal of Western Union to transfer {$500.00} from my XXXX checking account to an individual in XXXX XXXX who would collect the funds at an authorized Western Union Location. After I entered all of the data required to enable WU to make the funds available I received an acknowledgement from WU assuring me that the transaction was in fact being processed and that I would receive a code # for the recipient to collect the cash in " minutes '' as per the WU service promise on their site. 
As time passed and I did not get the pick-up code for the recipient and availed myself of the tracking tool provided by WU. The first track replied with the transaction was being processed, but it was take 30 minutes. When that time expired the next track returned that it would take two hours to enable the pick up in XXXX XXXX. I then called WU customer service and spoke with an agent who told me it would take as long as 6 hours to enable the transaction even though WU had taken the {$500.00} + {$49.00} in fees from my checking account. I asked to have the call escalated to a supervisor who finally disclosed that I was blocked from using WU services. I asked for a reason or cause as was told that was all I was going to learn. WU # XXXX
I was given financial aid to attend an unaccredited college that has been sued and closed down throughout the country. My degree is useless and I was not able to use it for the purpose I went to school to receive this degree. It was not accepted by the law school I applied at due to the lack of accreditation even though I was guaranteed by the school it would be accepted.
I no longer owe on this debt. They have no contract and can not in any way verify this debt is mines. This collection is hurting my scores and creating a hardship for me. I would just like them to delete it off of my reports!
I have a savings account with Bank of America for several years now. It was the kind where you have to maintain a {$2500.00} dollars in it but, while away on vacation, my account went below that limit. 

In the past, I have had very good response from BoA and so I decided to call the company asking to, please, withdraw the fee as a courtesy since it was the first time in many years that this had happened. During the call I found out that, in fact, I was charged for two months EVEN THOUGH in my account web page ( which I have copied and attached ) I could only identify one month below the limit. At the end of that call, the representative said she could excuse one of the two {$12.00} maintenance fees imposed. 

For the whole year, this savings account has earned me XXXX cents in interests. By charging {$12.00} to keep the account, the bank is, in reality, going against the very definition of the word " savings ''. Furthermore, by not delineating clearly the balance levels in the account web page it is making it difficult for the account holders to defend themselves against the imposition of these maintenance fees. 

I have called the bank a second time but it has reaffirmed its decision not to withdraw ALL the maintenance fees and thus my plead to the CFPB to intervene on my behalf.
This company is harassing me and trying to force me to pay a old debt that has been paid off
On XX/XX/XXXX I received news that Equifax ( Company ) had went through a cyberattack. I have viewed the Equifax website for more information, and enrolled in the Equifax security breach mechanism. This latter part was to determine if my social security number was compromised. I received a message confirming my SS compromise and, subsequently, attempted to place a 90-day initial fraud alert on my SS account. However, the website was unable to do this as it is under high stress attempting to resolve the issue for millions of people ; I will have to wait until a later date to refill the initial 90 day fraud alert. Next, I attempted to view my credit score at XXXX, but was unfortunately greeted with the message that they were unable to fulfill my requests. I believe they too are under high stress resolving issues for millions. And so, I come to you now, filing a complaint : I would like to place a initial 90 fraud alert from Equifax, XXXX, and XXXX on my SS account. I have reason to believe my SS account has been compromised.
XX/XX/XXXX mortgage payment was made before XX/XX/XXXX. Caliber is reporting this payment as a 30 day late. Would like to have this removed from credit report. My husband and I have no record of 30 days in the past 10 + years.
Two different companies have scammed me out of {$3200.00}. The first companies name is consumer Eloan, the second is  XXXX . I paid {$2200.00} to consumer eloan to receive a {$2000.00} loan. This was through   XXXX   XXXX  . I paid {$950.00} to   XXXX   XXXX   in form of   XXXX   gift cards. Both companies kept asking for more money for the loans to go through. This is when I realized I was being scammed. The loan from consumer eloans started  XX/XX/XXXX -17 and the loan from   XXXX   XXXX   started  XX/XX/XXXX 17.
I am in the middle of a Loan Modification with Specialized Loan Servicing and now They sent my loan to XXXX WITHOUT SENDING ME A GOODBYE LETTER OR ANYTHING. Now Specialized Loan Servicing is doing the same thing they did before, Trying to say they never received my paperwork. I have the letter of CONFIRMATION FROM THEM SAYING THEY RECEIVED MY PAPERWORK AND IS PROCESSING MY MODIFICATION ANT IT MAY TAKE UP TO 30 DAYS. This letter is dated XXXX/XXXX/2016. SELECT LOAN SERVICING IS NOT BONDED TO COLLECT IN THE STATE OF TEXAS AND NITHER IS XXXX XXXX
I had applied for and received an Autoloan through Chrysler Capital. At the time, as it is now, I had been receiving monthly income of approximately {$730.00} a month. They in turn issued me a loan at 21 % over 6 years at {$400.00} dollars. I am also required to keep full coverage on the vehicle. Perhaps I was too optimistic on my ability to repay the loan, but I have rapidly found out that this was a tremendous financial burden on my situation. Currently, I have been unable to afford my other debt obligations and these loans have become delinquent. I intend to do my best to maintain the car payment, however I am concerned that this loan may have been issued with the expectation that I would not be able to maintain what for me, is an aggressive repayment. I have attempted to contact the lender to discuss my situation. They have stated that they are currently unable to work with me but more importantly that they have no intention of working with me to achieve a long term resolution.
I have a paid XXXX account reporting on all XXXX of the credit report agencies.  The original creditor has requested that this account be remove from my credit profile on the XXXX credit reports but XXXX refuses to do so.  They also never updated my account as paid with XXXX.  This is a very shady company as I am sure you get several complaints about them.  I would like the account removed from my credit profile.