WillisBack/dataset-financial-user-claim huggingface dataset:
I am attempting to settle a medical debt from 2013. I am on a limited income because I am XXXX as determined by the Social Security Administration. I contacted the collection agency, Allied Collections in XXXX XXXX regarding this debit. I advised them that I would like to make an appointment to come in and make pymnt arrangements. I made an appointment, however my XXXX-month old child was ill and I had to take care of her. I called them within a few hours advance notice and they were extremely rude to me and asked me to bring my daughter in anyway. I advised them that I would not, and they threatened me with higher interest rates on my debt if I did not make an appointment with them the next day. I made an appointment but my daughter was still ill the next day so I had to cancel again. I just checked my credit score and my interest rate and penalties went up in value. I made a complaint with the XXXX in XXXX XXXX about this and was given a number to call. I feel that I am being punished for canceling an appointment with this collection service.
My interest rate went up, when I was supposed to have a fixed rate. I pay through automation, so do n't login online hardly ever. The only communication I got was an e-mail to go in and look at my messages. It said a change in the interest rate but no details about up or down, so I had to call. 
When speaking to the rep, they blamed " XXXX bank '' since they bought the loans from them ( 4 years ago ). I also have XXXX loan with XXXX bank, and have no issue with them. If they own these loans, one would think they would be responsible to speak on them. 
I was set up for reduced payment plan, due to needing 1 month of assistance, but have been paying my normal owed the whole time. Due to paying " more than minimum, '' the rep claimed my payment wo n't be going up. I asked how not, if my rate went up a whole 1 %, and then the answer became, " well maybe not too much then. '' " Not too much '' turned into, maybe a couple dollars, then I figured out {$16.00} likely, which is not a couple dollars. I asked for the new minimum so that I could make bill adjustments accordingly and prepare, and they said they could not tell me my new minimum. So they are making it impossible for me to plan at all. 
I am going on maternity leave in a couple of weeks so they suggested I also Forbear ... they told me I have 1 year for the life of the 20 year term to forbear and I used 6 months right out of school, so that would leave me with XXXX days left ( not even 3 full months ). I asked where my other 3 months and 3 days went and they had no answer, and then said I have to wait a couple weeks ( close to my due date ) to set up forbearance for XXXX. 
When I stated that all of this was controversial information and no concrete information was given to me, and it 's not making me confident they are acting legitimate, they told me if I was unhappy, I should find a new lender and consolidate. 
Discover is NEVER there for you, and when I call them for anything, every rep has different information. Nothing is consistent. They make it impossible to save any money, and impossible to confidently pay these things off. I set up automation years ago to save money, and in XXXX I was supposed to hit the term where my interest would go down, therefore payments, because I have consistently worked to pay timely. Now they jack up the interest, so all my hard work toward saving this summer is down the drain. My payment is more than my mortgage, and at this point, I can not put this bill before my child 's healthcare and above my mortgage payment.
A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop XXXX or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies XXXX , Equifax and XXXX , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!
MDS reported a medical debt with XXXX hospital to the bureaus. I did not give them permission to share this info, violation of XXXX. I paid the debt to creditor. I faxed proof of payment, I sent proof of payment registered mail. I disputed the amount with the credit bureaus that it was paid, and this company still confirmed to the bureaus that it is still owed when it is not. Violation of FDCPA, FCRA and HiPPA. Totally unacceptable.
I previously contacted XXXX regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to me.
I 've had a vhicule loan for about XXXXyrs.or more & was keeping it up financially untill I was injured about XXXX diffrent times, & would refinance the loan to stay in good stanging untill this last time I was in very good standing, & XXXX of the loan officer kelp requesting me to refinance just to have time off from making a paymt.for XXXX months. & XXXX. So I did, & sign all the paper work that he ask me to sign, & XXXX dayslater he call me & told me that I needed to come & sign over the title because he forgot to give it to XXXX signed, but I just did not have time to go back to their office at that time, & he would call me about XXXX more times requesting for me to come & right as I thought about taking time to go there, he called again & I spoke to XXXX their reprsentative to let her know what was happening & that their reprsentative is acting like I did something wrong, but he is the one who forgot to give me the papers to sign, so he should come to me, or send the paper for me to sign..the next month comes for me to make paymt. & another reprsentative asking for paymt., but I had up to XXXX days to make it ... so I call their big office & wanted to make a paymt Through them as i had done before but they referred me to a online paymt., so that is what i did. 
XXXX of the female reprsentative mentioned that they have a XXXX lien & another company has a second lien & that is the reason that i am understanding why they are harrassing me to sign title paper. Making it clear that they do not want the second lien holder to have an oppotunitive to get a XXXX. lein on the title.. 
I told them that I am going to make this complaint because they would not allow me to make my payment on time to XXXX of their reprsentative who had call me that morning & stated that he would be there untill closing if I wanted to pay & when I called he would not come to the phone. I fact no one came which would make my payment late & then they tried to get me to refinance the loan that I just recently refinanced & I was caught up on my payments ... Mostly everything I have mention was / is recorded on my android ....
XXXX XXXX XXXX has reported to all XXXX credit bureaus that I have a delinquent credit card account with them that I do not believe is mine. I have sent numerous requests for proof of debt according to the FTC guidelines and have asked that they provide me with something with my signature on it that I indeed applied and used this credit card. To date, all I have gotten from them are responses to the effect that this account was applied for online and that I made a payment on the account. Still nothing showing proof that this debt and all charges thereto are indeed mine. I contacted the FTC about this situation and they referred me to you for help with this situation. All I 'm asking is that I get written documentation of some document with my signature on it that proves this debt.
I took out a XXXX loan with big picture loans. They told me it was not a payday loan but an installment loan. I asked how much was the interest many times on that call, but never got a straight answer and since the rep did not speak XXXX well, i assumed she didnt understand the question, so i asked how much will i be paying in the end for tnis loan, she put me on hold, came back and told me XXXX, so i agreed to that, however a week or so later i got an email saying it was XXXX that i had to pay back for that XXXX i had already spent. This is insane, please help me
Midland Credit Management Inc ACCOUNT NUMBERs : XXXX OR XXXX XXXX/XXXX/XXXX FAX # ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Midland Credit Management Inc or any company associate with this account # XXXX OR XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Midland Credit Management Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
In XXXX 2015 my auto finance company contacted my landlord and informed him they were looking for my vehicle and gave specific color and model. Also advised him it was delinquent and they would get a court order to enter the garage to retrieve it. On the same day they also contacted a reference asking them to relay a message that they were calling about my vehicle that is past due. When I called to speak to customer service they advised when a loan is delinquent, they are allowed to give out this information in effort to locate and retrieve the vehicle.
Debt was owed to collection company for various court fines for traffic violations. The debt was paid in full through cashiers checks issued from bank all on same day. Collection agency is claiming balance owed for collection fees that were posted to the account the day all balances were paid. Never received a bill for collection fees before paying all balances in full. Still have n't received a bill for the collection fees after paying balances in full. This issue is now hindering my ability to obtain a valid drivers license.
I opened a checking account online with Bank of America on XX/XX/XXXX. In the online application I used a Promo Code for a {$250.00} new account Bonus. The requirements to receive the Bonus were to receive at least two qualifying direct deposits of at least {$250.00}. My account number is XXXX. In XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX respectively, I received two qualifying payroll direct deposits of {$250.00}. Upon meeting their requirements to earn the {$250.00} Bonus, I called Bank of America multiple times. Each time I received a different timeframe and conflicting information. I never got anyone who would investigate and tell me what was going on and when I could expect the Bonus. Each representative would pass the buck and tell me I had to talk to someone else. I was transferred again and again and eventually the place I was transferred to would be closed and I would n't be able to talk to who, according to other bank agents, I needed to talk to. The longest timeframe I received was sixty ( 60 ) business days but this came and went and I still had n't received the {$250.00} new account Bonus. I qualified and was accepted upon using their Incentive code upon opening the checking account with BoA. Now they have dinged me with multiple monthly service fees and are in the process of charging off my account.
I applied for a Commenity Bank/XXXXVISA balance transfer on XX/XX/2017 for {$6100.00} to my XXXX XXXX account. Commenity Bank/XXXXVISA charged my account the {$6100.00} plus a transfer fee immediately but till this date has not made the balance transfer. I have called them on so many occasions. I have heard stories from Commenity Bank/XXXXVISA that the transfer takes up to 60 day to just recently, the check for the transfer was sent out and cashed. My XXXX XXXX account still has not received any transfer. Now I have the amount of the balance transfer showing up as additional debt on my credit report which has negatively affected it and I 'm paying for a transfer that was never made. I already told them I do n't want the transfer anymore. Please help.
recieved call on XXXX/XXXX/16 from XXXX XXXX XXXX telling me that the local district attorney office had a warrant for my arrest and would be arrested and sent to jail today for a pay day loan check that is 11 years old.of course no one came and was only a scare tactic. the DA told me they dont take payday loan cases by texas law.
XX/XX/XXXX I applied for & was approved for a loan modification with XXXX XXXX XXXX. The terms of the modification said the loan was approved for 3 years. In XX/XX/XXXX the loan was sold to NationStar Mortgage Co. At the time NationStar acquired the account they immediately increased the mortgage payment citing that there was no record of any loan modification. I intern called XXXX & was told that they were unable to search any of their old records but that NationStar was responsible for abiding by the terms of the agreement. Since I retained copies of the original modification I then faxed the information to NationStar in hopes this would resolve matter. A short time later I received a phone call from NationStar stating that they would NOT adjust the payment & that it would remain at an unfair {$570.00} per month because their records did not reflect said modification agreement. The original modification was supposed to be in effect for 3 years in the amount of {$450.00}. After doing my own research it was determined that XXXX had never filed the proper paper work with the XXXX County Deeds Department. To my understanding these are both predatory lenders who take advantage of the elderly with poor business practices.There has been several class action lawsuits filed against these corporations. I believe further investigation should be done. As older adults on fixed income we should not be taken advantage of by people who prey on the elderly. If there is anything that you can do that can assist me in this matter I would greatly appreciate it.
Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  Credit Report Hard Equifax Hard Equifax Hard Equifax XX/XX/XXXX XXXX XXXX XXXX / Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard EquifaxXX/XX/XXXX XXXX  Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXXquifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Equifax XX/XX/XXXX XXXX XXXX  Credit Report Hard Equifax XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX Credit Report Hard Equifax Hard Equifax XX/XX/XXXX XXXX XXXX XXXX. Credit Report Hard EquifaxXX/XX/XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX Credit Report Hard Equifax XX/XX/XXXXXXXX XXXX XXXX Credit Report Hard EquifaxXX/XX/XXXX XXXX XXXX., XXXX XXXX  Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX I have a fraud alert on my reports because equifax was hacked and my information was given out. I didn't make these inquiries or even start any of these.
Wells Fargo is not helping me at all! It all started with my forbearance plan and was trying to extend it but my home specialist never returned any phone calls and so it expired. Now trying to modify the loan and not even asking for pay stubs! There r a number of issues my court date is XXXX XXXX 2016 I will fight to save my poor little house. I work XXXX jobs and the specilist is reading from a screen help me please! I know I 'm 1 of many! Thank u XXXX XXXXXXXXXXXX
Midland Funding a debt collection agency has been reporting inaccurate information to the XXXX major credit bureaus. Years ago I received phone calls harassing me to pay off a collection debt. I simply explained that I 'm not able to pay, due to rough times. I asked them to please stop calling me. They never stopped calling so i changed my number. During the harassing phone calls they threatened me that they will report inaccurate info to prolong the 7 year fall off, until paid. It has been 8 years already and i recently paid the collection. Unfortunately, due to the inaccurate information they reported of being a collection account opened at a false date, is prolonging deletion. The original credit account was closed out and handed over in XX/XX/XXXX. 
Midland Funding is reporting, opened in XX/XX/XXXX. Simply to extend the 7 year mark. 
I contact XXXX, which is the original creditor. 
Being a very old charge off account, they do n't have record. 
Midland Funding is basically reporting whatever they find damaging towards consumers. Midland Funding is n't reporting actual dates from time of original close out event. 
Not only do they call and harass me back in XX/XX/XXXX. They literally made life difficult on getting approval of any loan. Its been 8 years and I still have them reporting inaccuracies to the credit bureaus. Despite paying them off, they still are a shady collection agency.
Equifax mishandled my personal information, allowing it to be used freely by criminals. Instead of spending money to properly secure the data, they elected to shift more money to profit. 

Not only did they mishandle the information, they failed to notify me. Instead I found out from a third party through social media. 

Not only did they mishandle the information and fail to notify me, they tried making more money off of me. Trying to get me to pay for their credit monitoring services. This seems like some sort of mafia protection racket.
Over the course of the past XXXX months, I have been attempting to get American Express to apply my XXXX XXXX card reward dollars against the balance of my account. The first XXXX attempts were via their website, which reported an error, and instructed me to call and speak to a representative. I 've now made XXXX successive phone calls to their representatives, and submitted a complaint, and the rewards have still not been applied. Here are dates of each phone call and notes about what was discussed. 

XXXX XXXX 2015. Requested application of reward balance to statement. Told rewards will be applied in next statement. 

XXXX XXXX. Asked to close account, closure specialist put me in touch with rewards person. XXXX - at the rewards membership, said the system is broken, and I need to call back tomorrow. XXXX is the account closure specialist, and said she 'd give me a a {$75.00} loyalty credit that will appear within XXXX weeks. This took about XXXX hour, and I still do n't know why the rewards can not be applied. 

XXXX XXXX. Called XXXX XXXX - Representative said they attempted to cash rewards, but it failed. Does not know why. Putting me on hold to talk to supervisor. He is going to open up a dispute - maybe dispute team to take care of it for me. XXXX is name of rep. Said to expect a response in XXXX business days. Said the reason it is difficult is because I have moved out of the XXXX. 

XXXX XXXX. Calling for update on status yet again. Rep put me on hold for several minutes to read notes, then said needs to put me in touch with a particular supervisor, and put me on hold again. I 've now been on hold about XXXX minutes and I 'm going to hang up now. Total call length is XXXX.
I have not received any information about this debt from any creditor nor the debt collector. I only became aware of this debt through XXXX
I opened a XXXX AMEX card inXX/XX/XXXX. I was told I would receive XXXX XXXX points after meeting a minimum spend requirement, which I met shortly after opening the card. I have not yet received these points. I have reached out to American Express on numerous occasions sinceXX/XX/XXXXand have been repeatedly told that the points will post " soon ''. I 'm tired of waiting. They are aware that this is a problem but are doing nothing about it.
My wife and I submitted paperwork to have an Short Sale/Cash for Keys done. We received a letter dated XXXX XXXX, 2016 from Flagstar stating it was complete. Just this weekend we found out the Property was in Foreclosure Sale and that it closed on XXXX/XXXX/16. This as a shock to us since we have only been getting payment notices since we received the letter in XXXX XXXX indicating the short sale/cash for keys paperwork had been received and further notification would occur before anything happened with the house/property. We have never received any documentation confirming a Foreclosure. Billing statements are all we have received and as recent as the XXXX/XXXX/16 payment. The only reason we were aware of the Foreclosure is a XXXX estimate we received on Friday XXXX/XXXX/16 stating the property was not for sale it was Foreclosed.
I fell behind on my mortgage due to medical issues in XXXX XXXX. I hired an attorney to help me submit an application for assistance with my lender US Bank. My attorney submitted my complete financial package on XXXX XXXX, XXXX. US Bank sent me a letter dated XXXX XXXX, XXXX, confirming my complete application was received. My attorney has been contacting US Bank since then and they now say there is no review open and they have no status of my review. According to my attorney, RESPA Reg X requires my lender, US Bank, to give me a decision in 30 days after receiving my complete application. Today is XXXX XXXX, XXXX and It has been 45 days since my application was confirmed complete. I have no review open and I am getting closer and closer to a foreclosure.
Someone took over XXXX from my rush card account. I dont how exactly but i know my money is gone because of a scammer. I never provided nobody with my personal information to my card and i notified my card company in a reasonable time frame and now they are refusing to return my hard earned money. I am XXXX with a XXXX year old daughter with a mother thats not around. Pleaseeee i neeed some help sooo bad because they wont return my insured money threw their bank. I never made none of the transactions on the dispute form and cameras from each location of every unauthorized transaction is my proof.
On XXXX XXXX on XXXX and XXXX there is a collection agency that is trying to collect a debt for a payday loan i did not open from a ad astra recovery service on behalf of XXXX XXXX opened on XX/XX/XXXX i have tried to call debt collection agency numerous times to no avail. I have also filed a police report XX/XX/XXXX for identity theft thru XXXX police dept. This is not my account. I want it taken off my reports as well as a negative collection account. They also have an email listed on the account i never used. XXXX XXXX XXXXXXXX XXXX i never used that email i use XXXX XXXX XXXX XXXXXXXX