WillisBack/dataset-financial-user-claim huggingface dataset:
I always check my credit but today i check it and they post a collection on my credit credit i know i haven't been to any doctor and i ask for all supporting documentation but never receive anything from any creditors so can you please have them to send all letters to me about these accounts. 
XXXX XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 2018
A few issues : I raised my payment above the minimum, based upon my income in order to pay off the loan quicker. Navient, without notifying me or obtaining my consent returned my payment plan back to the minimum after a few months! Only after checking bank statements did I realize what had happened. When I call to try to increase my payment or make a bulk payment, Navient often denies that it 's possible to do so over the phone and often discourages me from raising my payment! This is predatory and if I did n't pay attention to what they do, I could easily be tricked by their company into years and years of additional payments.
I have received repeated LOUD automated messages from XXXX for a person I do not know ( XXXX XXXX ). I have had my cell # for over XXXX years. My name is not XXXX XXXX! I contacted the rude male from the XXXX # about their mistake and he hung up on me. I tried to call the number in the message too ( XXXX ) but I get an error saying invalid # or code. How can I get them to stop harassing me? I do n't owe any outstanding debts. They have the wrong number!
XXXX   is not reporting one year of payments on my Westlake Financial account. The Westlake account is reporting accurately with  XXXX  and  XXXX  so I find it hard to believe that Westlake is reporting it incorrectly to  XXXX . I 've requested for this concern to be corrected and  XXXX  played me as that they are reporting what is being reported to them.
Hello,

On XX/XX/XXXX, I sent a wire transfer to Coinbase to the amount of $XXXX. A day later, Coinbase responded by saying the name of the wire did not match my account information, and thus they needed to reverse the wire. That email was sent on the XX/XX/XXXX, and they confirmed that the wire would be reversed in roughly 7 business days. It has now been 16 days since that email, and the funds have not shown up in our account. We have tried contacting support multiple times, and we have supplied them with relevant information regarding the wire.Warm Regards,XXXX
I received two threatening telephone calls today from XXXX ( " XXXX XXXX XXXX XXXX  '' out of Michigan ) regarding a credit card bill, which was charged off over 7 years ago. They acquired ( purchased the file ) onXX/XX/2018. They said they were going to serve me papers between the hours of XXXX and XXXX regarding a lawsuit filed against me. When I contacted them with questions, I was hung up on several times, told to " pay your bills '' and " XXXX '' twice. I was also called a " XXXX XXXX ''. When I told them not to call me at work, they said they had no choice but to serve me. When I asked what my address was they began giving me several, all of which they obtained by doing a XXXX search. The representative confirmed this and told me that if " you are going to mention the company, get the name right '' ( I said XXXX because of nerves ). She then hung up on me. Representatives from Law Firms that specialize in collections leave false information and threats ( I've had this happen previously many years ago when I lost my job ) and contact any person with the same last name, always leaving the same messages for family members regarding the person they are trying to collect from. Their behavior is unethical, unprofessional, and completely disrespectful. Additionally, they threaten and give unlawful information. This company, in particular, needs to be fined and shut down. Their communication practices are unacceptable and unlawful.
From Equifax 's website, I have learned that I was a possible victim of their data breach, which was announced to me on XX/XX/XXXX. These hackers had access to my name, Social Security number, birth date, addresses and possibly my drivers license number. 

This has caused an unbelievable amount of stress for me and my potential future family. It could affect my ability to get a mortgage in the future. This should not have happened, especially when they charge money to send a credit report. They should be held accountable.
This debt collector calls my employer and my work phone number several times per day. They usually do not leave a message, but when they do, they tell me they are calling from the Attorney General for the State of Ohio. I contacted the attorney general 's office and they said they do not know this company or this number. 

I have asked them both via the contact email address listed on their website and via the contact form on their website to stop contacting me by phone and they have not responded. They will not tell me what kind of debt they are trying to collect.
I settled in full with XXXX XXXX in XXXX 2013, I paid XXXX to settle, they said ok. Next thing I know some collection agency has a judgement against and calls my house on a daily basis!! This was settled in full, I paid more than XXXX % of the debt, I broke my foot and was not insured, I did not ask for that!! I am single mom trying to make ends meet, and the collection agency keeps saying they have lean against my house, when the balance after I paid the Settlement was XXXX dollars. I do n't understand how they can ruin my life like that! Dominion Law & Associates at XXXX ... I want that judgement removed and for them not to call me ever again! they claiming thousands of dollars even though I settle in full!! I do n't understand that!!
1. Hard inquiry from XXXX XXXX on XX/XX/XXXX, that I did n't know about.

2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about.

3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about.

5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.
My son took out a student loan from XXXX XXXX Bank XX/XX/XXXX. He was attending XXXX University in Ohio. XXXX then sold it to American Education Services. I am the co-signer of that loan. XX/XX/XXXX I received a letter from AES stating that the loan was delinquent and to bring the loan current I would need to submit {$120.00}. I sent the payment in on XXXX. The check was cashed on XXXX XXXX. XXXX was only working 1 to 2 days a week XXXX in XXXX, Ohio. He tried to get a deferment. We never heard from them. I never got a delinquent notice since XXXX. In XXXX I get a collection agency calling me. So I called AES XX/XX/XXXX, spoke with XXXX # XXXX. He told me that he could not get a deferment because the loan was in default as of XXXX XXXX or XXXX. I asked him how that could be because sent in the payment in XXXX to bring the loan current. He said it was in default because XXXX and XXXX payments were not made. I asked him why I was only billed for XXXX. He stated that they only bill for current month. So they took my payment and defaulted the loan anyways. The loan was sold to XXXX XXXX in XXXX ( XXXX ). They would not accept a payment plan. They would only accept full payment of XXXX. A lawyer advised us to make a payment to bring the loan current. On XXXX XXXX, I sent AES a {$700.00} check. This was the only address that I had. The check was cashed on XXXX XXXX. I called AES and they told me that they would forward it to XXXX XXXX in 45 days. Never heard another word from them. Now we get a letter from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. My complaint is with AES that as a co-signer there was no notifications. If I would of known that the XXXX and XXXX payment was dueI would of payed it. Now we are in this mess. I would like to file a complaint against AES.
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
COMMERCE BANK PROMISED TO COREECT ALL LATE PAYMENTS ON SAID ACCOUNT NO.XXXX, AND UPDATE ALL 4 BUREAUS TO REFLECT CLOSED, PAYING AS AGREED, NEVER LATE. PLEASE CORRECT TODAY OR DELETE ACCOUNT FROM ALL BUREAUS OR?
XXXX XXXX XXXX began calling my husband demanding payment of {$6500.00} on a supposed unpaid account. We never opened an account with this XXXX  company and I told the gentlemen he was mistaken. We also immediately pulled a credit report and found no such collection on any of the reports. They have been calling my husband every week. We feel this is either a scam or they are seriously mistaken.
For over 30 days I have been getting a runaround from Barclaycard US regarding problems that I first reported on XXXX XXXX, 2016. I have had numerous attempts at following up some of which are documented in a letter that I will attach to this complaint. That letter should not be posted as it contains sensitive information The initial problems relate to there lack of compliance with their Transaction Alert policy and lack of awareness of or compliance with their Complaint Policy statement. They have also sent out form letters, one of which they claim was sent in error and no one is able to let me know who, if anyone has my letter to them and when or if anyone will ever respond. 

I have been unable to reach anyone at Barclaycard US who can escalate this to someone who might help.
My interest rate on one of my loans is 10.75 %, I pay {$160.00} a month on this loan alone and not a dime of it goes toward my principle amount! I 've been paying over {$600.00} a month for years just on my private loans, and at one point I was paying {$970.00} a month. I did not get help from any adult family members to go to college. I had to pay for it myself, I knew nothing about loans and interest rates. My student financial adviser filled most forms out for me. I trusted my college which was a huge mistake, they were private and for profit only. I am now an adult an feel completely taken advantage of. I am almost XXXX and ca n't even start a savings account. A full paycheck is taken monthly by Navient, which was XXXX XXXX and changed without my knowledge until I was some how delinquent and owed a company I had never heard of money. I can not create a life worth living with this unreasonable debt. I make under XXXX a year, I have bills. I ca n't even afford a car because of my student loan debt. Please someone help me!!!
I recently discovered that XXXX issued a credit card to someone who stole my identity. I am upset because the bank and or credit bureau, did not make any effort to verify the details of the person applying for this credit card. If they had paid proper attention they would have noticed that my address, same as the address on my ID card was not the address given to them. The address they were given used my surname. So they took the correct street number and added my surname as the street address. Surely, when people apply for credit cards, one is hopefully paying attention, and will notice that the surname of the person is the same as the address. Should n't this raise a red flag to be checked? Especially when the address included my surname without even saying street or avenue. XXXX is refusing to take any responsibility for this mistake, suggesting that the mistake was made by the credit bureau. If it is the credit bureau, surely they too have ways to verify the information is correct? This use of my identity has lowered my credit score and affected my application for a mortgage. It is in the process of being resolved but what bothers me is that both the bank and/or the credit bureau do not take responsibility for this mistake.
Received a notice that our account had been sent to collection. We asked for validation of the debt from the collection company and did not receive any response other than further attempts to collect the debt. We received a bill from XXXX but they had already reported it on my credit report. We did not agree with the balance so we asked for validation. We want details including an itemized bill, explanations, etc. We just don't agree that we owe. We had medicare at the time.
I applied for the JP Morgan Chase Southwest Airlines Premier Credit Card on XXXX/XXXX/16 in order to earn the advertised XXXX points if you apply for the card. I applied for this card solely based on me getting the XXXX points since Southwest 's website clearly stipulates " earn XXXX after you spend {$2000.00} on purchase in the first 3 months. '' After spending over {$3500.00} and not seeing my earned XXXX points, I contacted Southwest ( " SW '' ) and they referred me to JP Morgan Chase since Chase are in charge of the rapid reward points. I contacted Chase on XXXX/XXXX/16 and spoke with XXXX XXXX who told me that I had gotten a different promotion and there never a promotion about earning XXXX points. I referred him to at that point directly to SW 's website to which he saw that this promotion was indeded being advised. Upon realizing there was in fact a promotion verifying what I said was true, XXXX immediately switched by stating that I did not qualify for the earned XXXX points since I booked a flight but got the {$200.00} credit instead. I told him that that was nothing on the SW 's website that indicated that I would forfeit the XXXX credit or there should be transparency in advertising for this card. He said in order for me to get the {$50000.00} points, I would have to pay them {$200.00}. After stating that I would dispute the {$200.00} fee, he told me that he was unable to give me the XXXX points and referred me to their Executive Office. On XXXX/XXXX/16, I faxed a letter to XXXX XXXX as well as the Executive Office explaining my plight. I was contacted on XXXX by a XXXX XXXX who stated that she would have to charge me the {$200.00} and that this is not the first time this has happened and apologized to me. XXXX went on to state that they have been working with SW marketing team to correct this misunderstanding. I told her the fact that so many consumers are calling regarding this, Chase has done this intentionally to defraud consumers in thinking that after ranking up over {$2000.00} they would earn XXXX points. What Chase is doing is false marketing and fraudulent to say the least to get consumers to apply for this card and have them charging over {$2000.00} within XXXX months thinking that they will earn XXXX points and then give them a different promotion and then turn around and charge them {$200.00} fee in order to get these points. I told her that that I will contact the Federal Reserve Consumer Help for assistance in Chase false advertisement regarding their Chase Southwest Premier XXXX Card. I will also reach out to 60 Minutes to do an investigation on Chase as well as contact my congressman to file a Congressional Complaint on my behalf to STOP JP Morgan Chase from defrauding the general public.
I have attempted to have this debit removed from my account since XXXX, which was originally belonged to XXXX XXXXXXXX XXXX XXXX, FL. I contacted XXXX hospital and had found out that My ex-wife had went to the hospital Emergency room and those were her bills.. My ex-wife and I haven't spoken since XXXX.. The hospital agreed that those debits didn't belong to me and removed what I thought all of the bills of my name. However, few years later I was connoted by Common Wealth Financial Systems requesting me to pay the debit. I sent them my information and informed them that issue XXXX XXXX learned that those bills didn't belong to me. Common Wealth Financial, were very unprofessional and were always threatening toward me. I have attempted to have it removed by the hospital but the stated the debit was sold to Common Wealth. I provided Common Wealth with my information so the can match it with whatever forms they have in their records such as original documents or and signatures by the person who went to the ER. But at no help. I have contacted and spoke to several managers at Common Wealth like XXXX XXXX extension XXXX at XXXX and others no help but very nasty attitude and threatening demeanors. 

I have disputed matter with all Credit Bureaus, and Common Wealth claims it was validated. Very confusing how it can be validated if it wasn't mine nor my name or identification on any documents. I even requested them to provide me the HIPAA signed form to show it was me, Common Wealth Financial failed to do so. 

several calls since XXXX to XX/XX/XXXX email XX/XX/XXXX also recently I emailed this person with Common Wealth XXXX regarding this and nothing was done as this person promised. 

Finally, Common Wealth Financial Refused to remove this debit after so many attempts knowing its not mine!
I called RECEIVABLES MANAGEMENT at ( XXXX ) XXXX on XX/XX/2018 at XXXX XXXX to inquire about a debt that is currently being reported as OPEN with a {$0.00} balance ; this particular account was originally {$79.00}, I paid off two of my open accounts this year.

For starters, the representative did not Right party contact me, and verify who I was with three questions all she asked for was my name and who the account was with. And then went on to freely give out my information, including my sons name since his name is on some of the open accounts, and openly discuessed how many accounts I had.

I paid the account in full and want it closed so it wont effect my credit score, and was told by the representative that its up to the credit reporting agency to decide if the account will be left as open or closed ; which I know is not true, it has to be marked paid in full and closed. It isn't an open account, there is no balance due! Also, she was extremely rude and talked over me multiple times and I had to raise my voice to get her to listen and let me speak.
XXXX XXXX XXXX is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to XXXX XXXX! I keep disputing and Experian, XXXX, XXXX  saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe XXXX XXXX this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!
after being lead to believe we had a verbal agreement with Santander Consumer USA Bank on the amount 0f XXXX in monies put on a account with XXXX XXXX  for future monthly payments on the phone ; Santander Consumer USA repossessed my XXXX XXXX XXXX Vehicle on XX/XX/XXXX then on XXXX i made a payment through my son XXXX XXXX account of XXXX dollars then afterwards my son put another payment of XXXX which that would clear up any monies owed to the debt and still as of today Santander Consumer USA had not even released a letter of redemption ..
I received a report that changes were made to my report with actions taken by Sears/CBNA modified XX/XX/XXXX with a high credit of {$1500.00} date closed XX/XX/XXXX credit limit {$250.00} which is incorrect credit limit was {$2500.00} Additional information was provided by XXXX  stating consumer disputes reinvestigation in Process account paid for less than full balance. I received an online notification from XXXX  stating dispute was completed and view now ; when I try viewing XXXX sends error message stating report can not be viewed contact them by mail every month since XX/XX/XXXX. 

Sears/CBNA made another update after this XX/XX/XXXX changing account number from beginning of the account to ending numbers to account as an update after dispute reported by XXXX. Every change is reported to 3rd party credit monitoring service.
I have contacted XXXX XXXX XXXX regarding 2 accounts IN THE AMOUNT OF {$71.00} and IN THE AMOUNT OF {$920.00} on 2 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX emergency whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.
I recently found out that regions bank place an overdraft fees of {$110.00} on XXXX, I called them today to send me my last statement as I never wrote a check or cause any overdraft fee, I closed my account with this bank, but instead of them closing my account they kept it open and then charged me two overdraft fees because I did not have the amount to maintain this account, and to know this is a wicked bank, I was never aware of this until last week when I went to open an account I found out that region falsely my account and place {$110.00} overdraft on my account, not {$1000.00}, not {$5000.00} but a fees that they imposed on me after I requested them to close my account
I linked a bank account and transferred {$100.00} on XX/XX/XXXX. On XX/XX/XXXX I was notified by Coinbase that the transaction was reversed due to nonsufficient funds. I checked with my bank, who confirmed that the transaction completed. I have emailed Coinbase everyday for over a week without any response. The only thing I receive is an automated message that they received my email message.
On Tuesday  XXXX   XXXX ,  2017 , I phone  d Nelnet, my federal student loan provider, to get information regarding a loan forgiveness program. I expected to speak to any number of their loan counselors after providing my birthdate and last 4 digits of my SS # as I have done countless times before. Not this time. The first question was " are you interested in a loan forgiveness program? '' That struck me as strange but I pressed 1 anyway. I was asked a few simple questions. What was the total of my debt. Am I current or in default with payments. I was then transferred to someone else who could verify if I qualified for the forgiveness program. Of course I qualified with a three month application fee of over {$190.00} over a course of three months.
The issue I have with this is that I called a federal loan provider, Nelnet   by the number they have listed on their billing sheet  XXXX . Unacceptable.
I had been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refused to adjust after, numerous email, calls and letters. I have since canceled the line of credit, credit card with them and just would like fees and interest returned to me in the amount of {$61.00}