WillisBack/dataset-financial-user-claim huggingface dataset:
I received several calls from a company called IC Systems. The calling telephone number was XXXX. The person calling contacted me on my hospital on-call telephone ( I 'm a doctor and was on call ). I asked what it was regarding and the person said " a personal business matter ''. I informed the caller that if this call was not pertaining to a medical emergency or related matter, that it would be inappropriate to use this number. The person ignored this and went on to ask me a barrage of rude and intrusive questions. I firmly asked the person not to contact me again. I then sent a letter to IC Systems address on the internet : I.C. System, INC. 
XXXX XXXX XXXX XXXX, MN XXXX One week later, I received another phone call from them. The same result. Two weeks later ( today ) I receive another call ( from a XXXX ) in the middle of my work day. They gave me no information about what they are calling about, and are rude, intrusive and demanding and, moreover, calling a restricted number for emergencies only.
I have been in a rate reduction program for a year with Navient. The agreement requires that Navient draft the amount due from my checking account each month for 12 months. In XXXX, I realized that the draft did not occur so I called to find out why. I was told by three different representatives that I did not have a balance due and that no payment needed to be made for XXXX. In XXXX, the draft also did not occur but my online account showed a balance due of XXXX across all of my loans so I made a payment through my XXXX account. I began receiving phone calls last night at XXXX about a delinquent account despite my full payment. When I checked my account this morning it showed that my payment had only been applied across 3 of my 5 private loans. When I called this time, I was told that the person I spoke to in XXXX was incorrect and if I did n't make an extra payment of {$40.00} today, all 5 of my loans would still be delinquent because I missed a payment in XXXX ; the payment they claimed did n't exist. The representative also informed me that the person who set up my payments last XXXX, mistakenly did not set them up for the full length of the program which caused the lack of drafts in XXXX and XXXX. I made the {$40.00} payment but there is clearly something VERY wrong with Navient 's accounting practices. Please look into this so they do n't railroad other consumers into paying unnecessary late fees and ruin their credit ratings.
XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them
In response to Citibanks letter dated XX/XX/XXXX for my Citi Best Buy accounts ending in XXXX ( Old account ) and the new account ending in XXXX ( see letter attached ) I received all the statements and receipts and i can confirm all transactions after XX/XX/XXXX where unauthorized. 
This is the 3rd time I have informed Citi bank of the unauthorized transactions The transaction in XXXX Florida for {$900.00} in mine, as i previously said, I was in Florida from XX/XX/XXXX to XX/XX/XXXX XXXX ( see attached boarding pass ) However, all the other transactions from XX/XX/XXXX through XX/XX/XXXX are unauthorized. I did not make them, sign those receipts and I did not profit from them in anyway. This is including the pay by phone payments on XX/XX/XXXX & XX/XX/XXXX. They were not made from any of my checking accounts. 

Additionally, If there is anything else Citibank feels they need to discuss it MUST be written communications. Therefore, In the event there is a civil claim, it is best both parties have equal access to all the historical facts. I stated this in my previous correspondence and I am stating it again. 

In the meantime, I am advising Citibank to conduct themselves appropriately. Which, to this point you have failed to do. I AM REFERRING DIRECTLY TO THE MID-CYCLE POSTING OF THE BALANCE FOR ITEMS I HAD JUST A FEW DAYS EARLIER DISPUTED.
Arvest Bank in XXXX, OK. On XX/XX/2018, I walked into a local branch to close my account and was told by the clerk that she could not close the account but that I could wait for a sales person to become available to help me. I chose to withdraw all my money from the account and then indicated I would go through their XXXX number since I did not have time to wait for the local branch sales person. 

I then went home and contact Arvest through their XXXX line. After 20 minutes of hold time, a representative came on the line to take my information down and then told me that they could not close my account, but if I would hold, they would get a representative on line that could close my account. Another 10-15 minutes of hold time and the initial rep got back on the line to apologize that all of the reps were busy ... but one would call me just as soon as they got off another call. 2 hours pass. 

I call again to the XXXX line to go through the exact procedure above, again to find out that no representative is available to help me. I know they are stonewalling me and will try to keep me hanging long enough to charge me a fee for insufficient funds in the account ... this seems very poor and I don't know what I can do about it except ask for your help. 

Thanks, XXXX
I recently obtained a copy of my credit file and noticed that the information reporting is inaccurate. I contacted all three bureaus and expressed my concerns. Two of the three bureaus removed the items and XXXX did not. I sent a copy of the investigation results from the other bureau showing the item had been investigated and removed. According to the FCRA if one bureau finds the item inaccurate, incomplete or unverifiable they are to share that information with all other bureaus and the item should have been removed.
I have a student loan with navient. The loan is in charge/off status due to none payment. In XX/XX/XXXX I talked to a customer service representative and gave a {$1200.00} payment. Then after I make two {$42.00} a month until account is settled. The customer service rep assured me that this account which was opened in 2004 would be deleted from credit report. This has not happened yet .I even sent a goodwill letter to the company and they still will not do what was promised to me.
The OCWEN LOAN SERVICING account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as of XXXX. This account has been delinquent since XX/XX/XXXX. The account has never been brought current and in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), Ocwen loan servicing knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account. On several XXXX credit reporting disputes Ocwen loan servicing maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. 
I have enclosed a letter from the last creditor acknowledging FDO as XX/XX/XXXX, as well as a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XX/XX/XXXX, and a copy of my Chapter XXXX bankruptcy from XX/XX/XXXX, making it currently XXXX old. This account has continuously been sold and resold. XXXX loan & gt ; XXXX & gt ; Ocwen & gt ; XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.
A couple of days ago I got a notice from Chase Bank that the terms of my agreement had changed and that I now needed to make monthly interest payments on my balance. I transferred about half of my balance on a XXXX credit card in XXXX with the understanding that there would be no interest payments due for 15 months. This is how the SLATE credit card is advertised even today as my attachment shows.
In XX/XX/XXXX I pulled all 3 credit reports. I noticed The Best Service Company account on my reports. In XX/XX/XXXX, I disputed alleged account with all 3 credit bureaus. It came back as verified. On XX/XX/XXXX I received correspondence from The Best Service Company. ( Letter enclosed ) Prior to this letter I did not receive a dunning letter. I was also not notified within 30 days of placing negative information into my credit file. I sent a certified letter on XX/XX/XXXX asking for validation of alleged account.
On  XXXX   XXXX ,  XXXX  I sent my first complaint advising of the multiple phone calls, emails and threats fro m Prizm Financial. T oday,  XXXX   XXXX ,  XXXX  I received a second threat for the week of repossession. My account is currentl y 24days past  due for half of the full payment. As I have advised in the past and have always kept my word that my account will not reach the point of repo rting ( 30dys ). I do n't feel the constant phone calls and threats on an account that has not reached 30dys is warranted. This account at 24 days past due should not be in danger of repossession and acc ording to the attached emails that is what will take place this evening if not paid by  XXXX  according to  XXXX   XXXX . I have this account since  XXXX   XXXX  and this account has not been reported  as 30 or m ore days and to receive threats of repossession is unethical and in my opinion illegal.
XX/XX/2017 a hard inquiry on my credit was established. I have disputed this over the last several months. I do not and have not lived in XXXX, IL. neither have I been to XXXX for over 20 years. Equifax refuses to remove this inquiry, along with the false XXXX hard inquiries that I have followed all of the correct measures to have removed, they also are from XXXX, IL. XX/XX/2017, XX/XX/2017, and XX/XX/2017.
I have auto-pay set up with Navient for monthly withdrawal from my checking account. However, they did not withdraw money on the month of XX/XX/XXXX and XX/XX/XXXX. I called Navient and they stated that the money did not get withdrew due to the holidays. Now I am paying an increase of {$6.00} and I believe it is not longer a 120 months pay schedule.
On XXXX/XXXX/XXXX, before my incident with Chase bank, my husband realized that we had been hacked somehow. Someone opened an XXXX charge in his name. They charged {$1.00}, then {$100.00} and got away with it. They were trying to charge another {$2600.00} when I received a call from XXXX asking me if I authorized this charge. I did not and working with my husband XXXX helped him clear everything up. Because of this I proceeded to call all of my credit card companies as well as my bank, Chase. I personally spoke to all representatives and let them know what happened and to place all my accounts on high Fraud Alert, personal and business. On Saturday XXXX/XXXX/XXXX I received a txt from Chase asking me if I authorized a transfer of {$4800.00}. It gave no account information, no information as to who the money was to be transferred to, nor a phone number to call if I needed help or thought this was an emergency. It simply stated to txt back 1 for yes and 2 for no. As soon as I saw the message I promptly txted back 2 for no. Since it was later in the day/after banking hours and tomorrow was a Sunday and I was traveling in Wisconsin at the time I had to wait till Monday to check my accounts. Since I had called everyone and spoke to them personally as well as txting back 2 for no, I felt that I was safe and protected. I was given no further instructions from Chase with the original txt nor received any other txt messages concerning this. On Monday morning XXXX/XXXX/XXXX I opened one of my chase accounts and saw that in fact Chase had transferred with XXXX Quick pay the {$4800.00}. NOTE : I did not have XXXX Quick Pay set up on my account. It stated that Chase transferred {$4800.00} to a XXXX XXXX. As well, at the same time someone by the name of XXXX XXXX was asking Chase to transfer another {$4800.00} via XXXX Quick Pay to them via another Business account I have with Chase. They did not let that go through, I did not receive a txt about that, the transfer was blocked by Chase and was cancelled on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX Chase has not refunded my money to me. I have filed a police report with the XXXX Police Department, a fraud report with Chase, an FBI report and now a report with you, the CFPB. According to Chase they have it being reviewed with their Fraud Department, expedited. Again, as of XXXX/XXXX/XXXX I have not received my funds back. I would like to stress that I did everything possible to let Chase know we were having problems. I personally spoke to a representative at my branch to let them know. I did not have XXXX Quick pay on my account nor do I have a history of using XXXX XXXX Pay with that account. And most importantly I txted back 2 for no. Again, given no further instructions from Chase I thought I was protected. Chase appears to be making no efforts to return my money.
They called me to collect a debt from a grocery delivery service. They have done a few things that were unlawful. First, have called me multiple times and then would just hang up when I answered. Second They lied to me, saying they represented XXXX XXXX XXXX. Also, they did n't send me written notice of the debt. ( they sent a letter to a wrong address ).
On Tuesday XX/XX/XXXX 2017, I contacted Trans union regarding a copy of my Credit File received by me. The entire conversation was meaningless. The person I spoke with was not fluent in English and was very hard to understand. The entire conversation became very difficult and I eventually hung up the telephone. First and foremost, I do not like the ideal of Trans Union changing dates from the original date in which a Collection Agency reports to Trans Union.  Just because the original creditor keeps selling the debt to different Collection Agencies gives Trans Union no reason the change the original reported date. By handling the situation in this manner will only continue to have the reported amount linger on the report much longer than the original stature of seven ( 7 ) years from the dated it is reported. In disputing the creditor XXXX XXXX XXXX # XXXX Amount {$750.00} From XXXX XXXX XXXX XXXX Hospital, I ask for this agency to provide me with a copy of a statement of items to link me to the bill of & XXXX. All Account Resolution Service Accounts # XXXX were asked by me for Trans Union to ask for a copy of statements of listed items linking me to the bills listed. XXXX, the person I spoke with said he could not ask the Collection Agency for what I was requesting. I asked why? I have asked for theses documents upon several occasions and was brushed off as if this was not important. I personal contacted XXXX XXXX XXXX regarding account # XXXX amount {$680.00} for documents with my signature to be mailed to me. I was told that I was not getting any such paperwork and I needed to pay the bill. Maybe I will if indeed their is paperwork with my siguture attache to it. I also noticed the XXXX XXXX account is in good standing, but separated from the Satisfactory accounts listed. I would like that to be corrected immediately. XXXX seems to to have too much extermination to correct the items on a credit report without letting the Agencies take care of the request themselves. I have reason to believe he feels he has to help the Creditors in some way, and they need to be protected. I remind him he was in Customer Service to provide a service to the Public,  not to make decisions that is not in his Scope of Responsibilities. If I am accused of having accounts reported to the three Credit Bureaus and feel that information is not true, then I would ask for proof.
Equifax is listing accounts in collections on my credit report that have been paid off. At XXXX point, all of the information on my Equifax credit file " disappeared. '' It came back on, but with inaccurate information. As you will be able to see from the other credit agencies, these accounts have been taken care of and should be updated and removed. The inaccurate information is causing me to have a low credit score with Equifax and causing me not to be able to qualify for a home loan.
TransUnion has allowed reinsertion of the same collection account multiple times. TransUnion has neglected to follow safeguards to protect my credit file and has never notified me of reinsertion as required by law. XXXX XXXX XXXX has reinserted a fraudulent collection 3 times and each time they report using a different account number and different dates of first delinquency in an attempt to manipulate the credit reporting system. XXXX recently reinserted the same {$57.00} bogus collection on TransUnion under the account # XXXX. 
This same collection was previously reported and deleted under account numbers shown on the documents attached to my complaint. 
TransUnion has knowledge that this collection agency has acted with disregard to the FCRA concerning the reporting of false information on my reports yet TransUnion has done nothing to prevent this abuse from continuing to occur. I have attached evidence directly from TransUnion showing that XXXX XXXX XXXX was previously deleted as well as a most recent SIGNED certified receipt that I sent to XXXX demanding that they follow the law and discontinue their deceptive behavior. This same fraudulent collection has been reported using other collection agency names including XXXX, XXXX and XXXX over the past several years. I am requesting immediate deletion of this fraudulent account from my TransUnion credit reports. I have also requested assistance from the Texas Attorney General 's office due to multiple violations of the Texas Finance Code. This is a fraudulent collection account and must be deleted from my file.
I have a HELOC with Wells Fargo ( WF ). As I am in the process of selling the property attached to the HELOC, my realtor asked WF for a payoff amount. He was told that the amount owed was over {$9000.00} more than what I understood as the balance of {$13000.00}. ( This is the " balance '' as reported on the WF website, and when I call in. ) The reason for the discrepancy is over {$9000.00} of accrued interest! See the attached for how " balance '' is reported. It is not the " total balance '' at all, which is misleading. <P/>In 2008 I applied for an received a hardship refinance of the HELOC that lowered the interest rate to less than 2 %. I had the understanding that this was for the life of the loan. I set up my payments at the amount needed to cover the interest at 2 %. I have made those payments without fail until present. Apparently, a year later, WF increased the interest rate to an astounding and incredulous 15.8 %! <P/>I have several accounts with WF ( see attached ) and not one of them is delinquent, or has exorbitant accrued interest like this account, and I always make my payments. In fact, none of my assets have ever accrued such an absurd amount of interest. <P/>WF has refused to offer any relief of the accrued interest. As a supposedly valued customer, I am terribly disappointed that, first, they never contacted my about the interest getting so high, that they provide a misleading and deceiving " balance '', and that they will not provide any relief. I have been a reliable customer for many, many years.
Hello CFPB, On   XXXX   XXXX   XXXX   I sent a request for validation to  Port  folio Recovery regard ing a collection account that they are reporting on my credit reports for an amount of {$1100.00}. Since sending the validation request I have not received a response or the requested information in my request to  Portfolio Recovery . On   XXXX   XXXX   XXXX     I tried using my debit card the transaction was not able to go through. I called my financial institution and was advised the transaction did not go through because a freeze was issued by  Portfolio Recovery . I spoke with  Portfolio Recovery ,  XXXX    XXXX   XXXX   XXXX     after receiving the information from the bank.  Portfolio Recovery  confirmed since the validation of debt came back in their favor they were able to issue a garnishment and freeze my bank account but, never sent me anything related to the validation and insisted that I make arrangements on the debt.   Portfolio Recovery has failed to comply with my validation request and has failed to comply with Fair Debt Collection Practices Act,  USC 1692g Sec. 809 (  b ). I am hoping that your organization is able to assist me with resolving this matter.  Portfolio Recovery  has violated my consumers rights. Their practices are deceptive and unethical.   Since  Portfolio Recovery  has not sent me proof of validation and continue to report and collect on this debt which illegal. The collection agency need to remove the derogatory collection account from my credit reports and cease their collection efforts against my bank account and with my employer.
IN XXXX I HAD TO REFINANCE BY PRIMARY RESIDENCE IN ORDER TO GET MEDICAL CARE IN UTAH! THE TERMS I AGREEDED TO PAY EXTRA FOR WERE AGREED TO BY XXXX AND MY APPLICATION WAS APPROVED BUT HAD TO BE RE-DONE PER THE BANK TERMS! I AGAIN WAS HANDED A BUNDLE OF PAPERS THAT WERE CLIPPED AND RUBBERBANDED WITH " SIGN HERE ARROWS '' AS THE AGENT FLIPPED THRU THE DOCUMENTS HAVING BE SIGN OR INITAL ; I NEVER WAS GIVEN THE OPPORTUNITY TO READ MUCH OF ANYTHING! WHEN I ASKED ABOUT THIS PROCEDURE I WAS INFORMED I WOULD GET A COPY OF ALL DOCUMENTS ARE REQUIRED WHEN THEY WERE PREPARED, PER STATE AND FEDERAL LAWS ( WHICH I HAD GONE THRU SEVEAL TIMES SINCE WE BUILT THIS PROPERTY AND OTHER PURCHASES OF THE PAST ) ; BUT I NEVER RECEIVED ANY COPIES, ALL I GOT WAS A MORTGAGE STATEMENT IN MID XXXX FROM XXXX, WHOM I NEVER HEARD OF TO THAT DATE!?! I CALLED MY AGENT AND HE SAID TO CONTACT XXXX AND LET HIM KNOW WHAT I WAS TOLD ; WHICH WAS XXXX AGREED TO FIX XXXX LOANS BUT NEEDED TO SPEAK WITH MY AGENT SO GOT BACK TO MY AGENT AND GAVE HIM THE NUMBER TO CALL AT XXXX! IT WAS CONTFIRMED AND CW AGAIN ASKED ME TO CONTACT THEM, AT WHICH TIME THEY CONFIRMED THEY WOULD FIX THE LOANS BUT TO GO AHEAD AND MAKE THE PAYMENTS IN GOOD FAITH AS THE PAYMENTS WOULD CHANGE MUCH AND I WOULD GET ANY CREDITS DUE ME! BY XXXX XXXX THE LOANS WERE NOT FIXED AND WE COULD N'T GET CW TO RETURN ANY CONTACT EFFORTS, SO MY AGENT TURNED THE MATTER OVER TO ATTORNEY XXXX XXXX, WHOM INSTRUCTED ME TO STOP MAKING THE PAYMENTS AND SEND HIM {$3000.00} FOR A RETAINER, WHICH I DID!?! THEN XXXX XXXX XXXX TOOK OVER THIS MESS AND OTHER THAN PLACING MY LOANS INTO THEIR " PROBLEM LOANS DEPARTMENT '', AND DUMMING THE XXXX MORTGAGE WITH REAL TIME RESOLUTIONS, INC., DID NOTHING WITH THE LOANS, I CALLED THEM MONTHLY AND JUST GOT THE RUN AROUND! XXXX THEN TURNED THE XXXX MORTGAGE OVER TO SPS ( SELECT XXXX SERVICING, XXXX XXXX WHOM, AFTER MY ATTORNEY XXXX XXXX BAILED OUT AFTER DOING OR ACCOMPLISHING NOTHING FOR ME, I LOCATED XXXX XXXX XXXX XXXX AND HE WORKED OUT A MODIFICATION WITH SPS BUT THE MODIFICATION WITH REAL TIME RESOLUTIONS , INC . TURNED OUT TO BE A SAND-BAGGING WITH A {$30000.00} " BALLOON PAYMENT '' ISSUE I CHALLENGED, AND ASKED FOR ACCOUNTING FOR WHAT IT WAS FOR!?! THEY ALSO TERMINATED THE MODIFICATION BECAUSE I DID N'T TAKE IT BY THEIR DEADLINE, SO NOW WE ARE BACK WITH MY " DISPUTE '' BUT THEY ARE JUST GIVING ME THE ROUND AROUND!