WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Collections account on my credit report from National Credit Systems in regards to XXXX XXXX. I 've satisfied this account in full on XXXX XXXX, 2016. I was informed by National Credit Systems that my account will update on my credit reports on XXXX XXXX, 2016, I called to see why it has n't updated after XXXX XXXX and they said that it will update on XXXX XXXX, 2016. Today is XXXX XXXX, 2016 and I spoke with National Credit Systems and she said that they requested for it to be updated. XXXX informed me that it has not been updated since XXXX XXXX, 2016. National Credit Systems continuously lied to me about updating my balance.
My auto loan statement from Toyota Financial Services does not include the interest accrued to date. I believe that this information is supposed to be shown on my statement ( see attached ).
I have repeatedly requested that Bonneville Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
hi my name is XXXX XXXX and my wife name is XXXX XXXX. Me and my wife was XXXX Global client solutions debt-relief service client. my wife XXXX XXXX she got money back still I did not get any money back or hear anything from cfpb. so some can help me to what can do now. its was same time we was paying global. mission global solutions only took money they never settle anything.so I thing I can expect to get my money back too.
I have two fraudulent inquiries on my credit report from Walmart that they refuse to have removed every time I call them they say that they sent the paperwork to XXXX ... I contact XXXX and they say they can not remove it without a release from Walmart ... I was a victim of identity theft when a person from a computer opened a credit card in my name ... they removed the account but not the inquiry then a year later they ran my credit again when someone tried to repeat it again but they did not issue them a credit card the second time ..but there is two fraudulent inquires on my XXXX credit report that Walmart will not remove ... but they say they send request to XXXX ... but again the inquires are still there
On XX/XX/XXXX, There were a series of fraud transactions online on XXXX using my XXXX XXXX credit card. I got email 's confirming all these transactions ( 6 orders ). Immediately I called up XXXX  and reported all the transactions. They told me they will take care of all the transactions and cancelled few of those transactions except two of them. 

I have repeatedly called XXXX XXXX and each time they refer me to the fraud department which is closed most of the time I called and once when I got fraud department the have referred me back to a different number. 

I am tired of complaining with XXXX XXXX and meanwhile I am getting late fee and interest charges on these fraud transactions. 

Fraud orders on XXXX ( most of them are reversed out after my initial complaint. 
Order # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX On XX/XX/28, my XXXX XXXX credit card ending with XXXX shows the two below transactions REFERENCE NUMBER - XXXX Amount - XXXX Reference NUmber - XXXX Amount - XXXX
On XX/XX/XXXX I received a collection letter from Total Card , Inc. in XXXX XXXX, SD attempting to collect a debt for {$18000.00} for XXXX XXXX XXXX. Having never had a loan with XXXX I contacted XXXX XXXX and they informed me this account was for a loan in XX/XX/XXXX. This company is trying to collect a debt that is 13 years old and that is in clear violation of Florida law : Fla. Stat. Ann. 95.011 et seq. which contains a limitation on collections of writing contracts to 5 years. Furthermore, this company is in violation of the Fair Debt Collection Practices Act ( FDCPA ) for attempting to collect a debt that is 13 years old and exceeds the statue of limitations for a collection agency to collect a debt.
My card was involved in an accident and the car was totaled. As a result fo the insurance claim - a large percentage of the loan amount was paid off by insurance. At that time I contacted the creditor and explained the situation. There was a balance leftover that was due from me and the creditor said that I would be able to seperate that from the loan and have a different payment arrangement on that portion of the balance. Time went by and I did not recevie any information so I called the creditor and sent an email. More time went by so I called the creditor again and this time the creditor said that I had to make full car payments and that the account was past due because I did not pay regular car payments on the small amount due and remaining. The creditor marked me late to the credit bureau. Even though I was talking with them about a different payment option and set up for the balance left over. I asked them to consider making an exception as a one-time courtesy to remove the XXXX x XXXX late payment and they refused. They said I would need to dispute it with the credit bureau. I had XXXX loans with the creditor and never made a single late payment. They refused a one-time courtesy request and the representative on the phone was quite rude about it. The reason it was technically late was because they did not respond to my inquires on what I needed to do in an insurance pay off situation.
Just over ten years ago, XXXX XXXX, and/or their subsidiary collection agencies, began threatening my grandmother (co-signer) with lawsuits and my mother's work income (also a co-signer). Now, Navient is using a collection agency called XXXX XXXX to collect the debt. XXXX XXXX sent me a letter proposing that I pay 1/14th of the amount I owe in order to "pay the debt in full." With the advice of a credit counselor, I contacted Navient, listed as the original creditor, to confirm and verify this proposal. Before I could speak with a representative, the call was directed to XXXX XXXX I asked the representative, XXXX XXXX" to request a letter from Navient confirming the proposed debt settlement. The XXXX Interstate representative stated "Navient will never do that." He also stated, "don't listen to your credit counselor." I need to know if this is a legitimate proposal, and I have a right to know from the original creditor.
I am XXXX, draw Soc. Sec. and live XXXX sometimes. I have a credit card account with Discover ending in XXXX. I was having problems paying the account and I entered into a hardship program with Discover in XX/XX/XXXX. They took my XXXX information and the account number. They read me a statement that I agreed to pay {$150.00} a month from XXXX XXXX XXXX XXXX, account ending in XXXX They have removed payments of {$150.00} a month from that account from XX/XX/XXXX until XX/XX/XXXX. I pick up my mail from my daughter 's. I picked up my mail on XX/XX/XXXX. There was a XXXX and XXXX Discover statement listing nonpayment, late fees, etc. I called Discover and the lady explained that they sent in request for payment in XXXX to my XXXX XXXX XXXX XXXX, account ending in XXXX. I explained that the account number is XXXX. Where did they get this XXXX number? I had an old XXXX account ending in XXXX but it has been closed for over a year. The woman could not explain where the XXXX number came from ; she could not check to see who had been in my account and made changes ; she could not reinstate my old payment plan I agreed to in XX/XX/XXXX. Discover made unauthorized changes to my account and they are telling me it is my fault. I had to pay all late fees, over the limit fees, etc. plus an increased monthly payment. I did not contact Discover and change the agreement I agreed to in XX/XX/XXXX. I did not authorize a change in account or account numbers from the ones I agreed to in XX/XX/XXXX. Discover supervisor XXXX XXXX said she would look into it and I should call back in two days. Somewhere, Discover went in and made unauthorized changes. What can be done to correct this and ensure it does not happen to someone else? I did n't think Discover could make changes to your account without your approval/agreement? Please help. I feel like this is unethical business practice from Discover Credit Card to defraud a customer.
I noticed a derogatory notice on a credit monitoring service. The bureau listed is Hunter Warfield ostensibly representing XXXX XXXX Apartments seeking a debt payment of {$100.00}. I did live at XXXX XXXX at one time. However, I have not received written correspondence ( mail or email ) explaining the demand for payment from either XXXX XXXX or the debt collection agency Hunter Warfield. Moreover, I have not received a phone call either. I have all mail forwarded from my previous address and my phone number has not changed. I don't believe it is a fair practice to file against someone's credit without notifying and explaining the demand for payment. I had no opportunity to dispute the payment request.
I used my American Express card to book a international flight on XXXX airlines with the flight originating in the USA. Shortly after takeoff the passenger sitting behind me began to show signs of severe illness. XXXX. I repeatedly asked him to stop and cover his mouth as he was spraying me with his XXXX. After no compliance i contacted a flight attendant who forcibly moved the passenger to a vacant aisle in the back of the plane away from passengers seeing that he was very sick. 

An hour later he was back sitting behind me continuing his actions. The flight attendant ordered him to move repeatedly and then gave up. 

While reporting it in XXXX at the XXXX desk I was told in order to file a dispute I would need to go to the XXXX police and file a report in XXXX which is a lie as the flight originated in the USA. They then cited the contract of carriage however I am pretty sure they are required to ban visibly ill people from flying so was moot and they did n't do anything further. 

I then contacted American Express to dispute the charge. American Express did not follow up and the airline kept my money and severely endangered my health. 

Under US criminal law spraying people with XXXX is classified as assault and in some cases assault with a deadly weapon. XXXX did not ensure my safety and were severely negligent a case has already been filed with the CFPB and American Express 's response was not satisfactory. American express has no right to keep my money per violation of the purchasing agreement which insures my safety during a course of travel. It is inferred by all reasonable means that all passengers are entitled to safety and that the airline staff will take all necessary acrtions. I will be filing a criminal case in the next week against American Express and XXXX. This is clear fraud. 
Issue Transaction issue
I purchased my home on XX/XX/XXXX and refinanced the original mortgage with XXXX XX/XX/XXXX. My loan was then sold to XXXX ( XXXX ) in XX/XX/XXXX. In mid XX/XX/XXXX, I was solicited by XXXX., for a mortgage modification. They claimed that for a fee of {$3500.00} they would be able to modify my mortgage. I employed them based on their promises and agreements and due to the fact that they were law firm. I was instructed at this time that in order to be eligible for a modification, I would need to stop making my mortgage payments. While this seemed illogical, I obeyed. This is where my 6 year journey for a loan modification began. After several different modification companies, attorneys, mulitple foreclosure attempts and 2 rescinded bankruptcies to stave off the foreclosures & sheriff sales, I was granted the loan modification by XXXX. Early in the process, I suffered multiple hardships which further justified the need for the modification but went ignored. It took 5 years before I was finally allowed to speak with my modification " manager '' at XXXX The modification added nearly {$150000.00} to the existing debt of {$220000.00}, with a new note of XXXX. My payment were nearly identical to my original payments, with a term of 40 years. After the trial period, my mortgage payment increased nearly {$500.00}. During this process, I felt misled and lied to by XXXX, various attorneys and XXXX. I feel I was deceived. My life for the last 6 years was consumed by this constant battle of financial XXXX warfare to save my home. Had I known then that the only outcomes were ruined credit, financial distress, near XXXX, relentless harassment and a massive increase to my debt, I would have never stepped foot down this path. I am now dealing with a new servicing company, Seterus, who is handling my mortgage post modification. I feel like I am right back in the middle of the modification with amount of harassing phone calls I receive from this company. For multiple months, I receive calls stating the payment information I provided is invalid. I provided them with the same information, which is kept on record, in their system. This is a recurring problem.
I have previously demanded that your company provide contract with my authentic signature that started this alleged debt.. You have failed to do so. Please take notice that your inaction is detrimental to me and is in violation of various laws, including, but not limited to, the Consumer Credit Protection Act ( CCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

As you are aware, your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. You inaction makes it apparent that you have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed by your dissemination of information that is inaccurate or which can not be validated. Specifically, you have communicated and are continuing to communicate incorrect and defamatory information to third parties, including, but not limited to, Credit Reporting Agencies.. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this tradeline from my credit reports ( Credit Reporting Agencies ).
LexisNexis has again allowed my information to be made public, and attainable even though I AM BOTH A VICTIM OF MASSIVE FRAUD, BUT ALSO A XXXX XXXX. This information I have repeatedly asked them to Freeze, I have sent in information and they instead " opt-out '' which isnt a Freeze. I have sent countless letters, and as such they instead send no COPY of my FULL FILE. This is against the law, as they must provide me a copy of my report and FREEZE MY FILE.
I RECEIVED A LETTER FROM WILBER & ASSOCIATES, PC STATING THAT I HAVE A DEBT FROM A CAR ACCIDENT THAT MY DAUGHTERS EX HAD IN MY VEHICLE. HE WAS UNLICENSED THEREFOR INSURANCE DID NOT COVER THE DEBT. I CALLED TODAY XX/XX/XXXX17 TO DISCUSS THE BALANCE. THE REP WAS VERY RUDE, LAUGHING AND BEING DISRESPECTUFUL. WHEN I ASKED HOW I WAS LIABLE ( TO EDUCATE MYSELF ). I DECIDED TO END THE CALL. I THEN CALLED BACK TO MAKE AN AFFORDABLE ARRANGMENT DUE TO MY FINACIAL SITIUATION. A NEW REP WAS ON THE LINE. AGAIN WAS TALK BELITTLED AND WHEN I ASKED TO MAKE AN ARRANGMENT I WAS TOLD TO PAY THAT SHE SUGGEST I PAY XXXX UPFRONT. I TRIED TO EXPLAIN MY SITUATION AND THERE WAS NO TALKING. I ASKED TO HAVE THE REP WHO WAS OVERSEEING MY ACCOUNT TO CALL ME BACK TO FURTHER DISCUSS AND I WAS TOLD " I WILL MARK THIS AS A REFUSAL TO PAY '' AND WAS HUNG UP ON. I NEVER REFUSED TO PAY. I WAS TRYING TO WORK WITH THE COMPANY TO RESOLVE THE DEBT. I WAS NEVER VERIFIED BY DOB OR SOC OR READ THE MINI. I WAS TREATED UNFAIRLY AND TALK TO IN A RUDE MANOR. I WAS THEN TOLD I WAS BEING NOTED AS A REFUSAL TO PAY WHEN I NEVER ONCE REFUSED TO PAY THE DEBT. I HAVE EMAIL THE MANAGING ATTORNEY AND HAVE NOT HAD A REPONSE.
XXXX  has been allowing Toyota financial to report false information on my report without a proper investigation for years. Toyota financial illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. Toyota has falsely and knowingly reported information on my credit report for years. When I dispute Toyota will change a number ex XX/XX/XXXX 120 days late to 160 days late and XXXX says its valid. Toyota has opened and closed the account many time. Most recently changing it to closed XX/XX/XXXX dropping my score 40 pts. XXXX   has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. Toyota once reported to XXXX   that I owed {$2300.00}, changed the date opened and that was validated by experian for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as Toyota or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with Toyota and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.
hi i have XXXX unauthorized inquiry my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX I DID NOT authoriz I asked trans union to remove or investigate the issue they Refused to do so and i also asked the XXXX to remove it as well no replay from them so i would like to file a complant on Transunion file number XXXX to have this removed from my report as a citizen it my right to have this removed and would like to have this removed there is a X by the area is this copy thank you
This complaint is about Everhome MortgageOn XXXX XXXX they recieved a check which stated to be applied to principal of {$50000.00}. 
on our home. Instead of doing that they put aprox. {$47000.00}. on it put the rest in escrow and payments ahead.the balance after they received it the balance should have been {$100.00} I asked on XXXX I believe about the XXXX what the payoff was and wired aprox! XXXX. for the payoff I never paid attention to the amort schedule before.after arguing with them they said they would send XXXX back it is now the XXXX of XXXX no check after reviewing the schedule I also noticed they reduced my escrow and charged full interest for that month I am getting nowhere with these people
My Identity was stolen. Some one opened a credit card account from a bank I do n't know of, on an address I 've never lived in, but in my name using my social.
In addition to complaint # XXXX and XXXX regarding Velocity Investments LLC I recently received yet another letter requesting payment on a debit I never had and it's the same one Velocity illegal put a lien on my home for. I know Velocity are ignoring your requests, but knowing they are continually harassing me for the same alleged debt even though they have a lien on my home, I need help this situation has prevented my for refinancing my home for the past several years and I feel it's time Velocity be stopped from harassing people.
I called XXXX XXXX regarding to the XXXX XXXX XXXX  card statement that was sent to me ( See Attached ). The credit card statement credited {$160.00} which made my credit balance {$500.00} and approved credit {$500.00}. I also received a reward for {$10.00}. On the website XXXX XXXX has {$100.00} available credit and I wanted them to explain how I spent {$390.00} out of {$500.00} credit ( See Attached ). XXXX XXXX reward system is misleading, false advertisement, credit card fraud and deceptive. XXXX  allowing strangers to use my store credit card? Or rewards? I called Comenity Bank today and the customer service couldnt answer my questions protecting deceptive and misleading practices from XXXX XXXX. The customer service agent wanted me to blame XXXX XXXX customer service, Why? As the XXXX XXXX customer agent tried to explain the available balance {$100.00}, the customer service agent tried to add and subtract that I was credited {$160.00} - {$220.00} ( I purchased ) which left a credit balance of {$100.00}, as you can see that dont add up and it doesn't explain available balance, the incompetent by XXXX XXXX employees is disappointing and troubling and need to be investigated Like I said that dont explain the available balance {$100.00} as if I spent {$390.00}. Not only I dealt with such unprofessionalism, but one customer service agent tries to talk to me about the XXXX! WOW! Why hire workers that cant add or subtract, and very sarcastic and rude, I hung up the phone dealing with such abusive and nefarious behavior. As a XXXX with a XXXX XXXX I despise unprofessional, incompetent and nefarious agents as I experience by XXXX XXXX who hires account managers that cant count and take 3 months to resolve. 
XXXX sent a letter to CFPB and I claiming they would straighten this matter out within 90 days however they proceed with the corrupt reward system which is fraudulent regarding to my purchases, most banks dont take that long to correct an issue. On XX/XX/2018, XXXX XXXX responded to the complaint that their dispute investigations may take up to 90 days to complete, and notification of the outcome will be sent by mail once the investigation has concluded, they are trying to be deceptive with their practices. Its my belief that they are trying to scam me they are not correcting their fraudulent reward system and credit balance. 
I am filing with DOJ, FTC, consumer protection, scam alert and possible court legal options for retaliation. I am sending a copy of this letter to my Congressman, this is a possible scam, also. All my complaints with CFPB will be added to agencies and the court for legal options, also. I believe XXXX XXXX is stalling because they are discriminating against me due to my race and XXXX, no bank takes 90 days and yet still collect a monthly fee with trying to cover up their deceptive practices. XXXX XXXX Account manager incompetency and retaliation ( because I filed a complaint ) should not be hidden behind deceptive practices. CFPB and XXXX XXXX is not working to correct the issue with my reward points and credit card balance.
Diversified Consultants calls me, on the average, once a weekday. 

I am 100 % debt free. I do not owe any money to any entity. I know this because it is a recent achievement, a very deliberate financial state on my part, and something I take pride in. My credit reports contain XXXX derogatory marks, 100 % of payments are on time. 

The organization contacting me has used different numbers at different times. 
XXXX on XX/XX/2018 at XXXX EDT. 
XXXX on XX/XX/2018 at XXXX EDT. 
XXXX on XX/XX/2018 at XXXX EDT. 
XXXX on XX/XX/2018 at XXXX EDT. 

This has been going on for longer than the dates mentioned and I can provide additional dates and times of unsolicited phone calls if necessary. 

They do not ever leave a voice mail requesting a call back. I have not and will not answer any number that looks like the numbers above. But if I call any of these numbers back, I get a recording from Diversified Consultants that says to press XXXX to make a payment. I am not making any payments to this organization ever, as it is a fact that I currently do not have any debts. Whatever their reasons are for contacting me must be incorrect, but I grow weary of these daily suspicious phone calls with no voice message left.