WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent this collection company several letters to validate this debt and they still have done so and it is making it very hard for me to get any credit lines opened. It is even making me to where I can not find any housing to live in because of this collection agency. I need them to validate this debt because even the original creditor has informed me that they can not validate this debt so how can this collection agency even validate this debt.
Stolen identity credit card open in my name on XX/XX/XXXX15 XXXX XXXX XXXX XXXX XXXX Amount XXXX Attached is a copy of police report
On MondayXX/XX/XXXX I tried ( all day ) to place a freeze on my TransUnion credit report. ( I successfully placed a freeze on my XXXX and XXXX early on that day in a matter of minutes ). I tried both on line and through the voice system at XXXX. When I would get through to a person they would tell me I had to order a credit report online from TransUnion because I had n't ordered one since XXXX and prior to that XXXX. I actually tried on order a TransUnion on line credit report and answer their identity questions - when it would get hung up and keep asking me a nonsensical question and then eventually said they were experiencing technical difficulties??? ( I actually order a TransUnion credit report later in the evening over the phone with XXXX at XXXX. ) TransUnion said they needed me to order the credit report on line in order to confirm my identity since they could not access my information. However they were obviously looking at my information since they knew when I had ordered prior reports!!!! Again I had earlier placed freezes with the other two credit reporting agencies with NO problems. I eventually ended up getting told to call several different numbers at TransUnion XXXX, XXXX, XXXX, XXXX. Every time I reached someone they said they could n't help me unless I ordered a credit report online. They said they could n't verify my identity unless I ordered the report?? However they obviously knew who I was because they sent me several emails referencing an order # and telling me to contact them at XXXX if I would take the offer at the bottom of the page for a subscription credit monitoring service for $ XXXX. I already have credit monitoring through XXXX because of previous security breaches at XXXX, XXXX XXXX and the State of South Carolina and I know that as a Georgia resident over the age of XXXX I am entitled to freeze my credit report for {$0.00}. All I want is for TransUnion to place a security freeze on my credit report just as the other two agencies have. I know TransUnion is trying to sell me their services but I do n't want them and I certainly would n't order anything from them after this run around.Thank you for your assistance with this issue.
I have been a card holder of  a Macys Consumer Card sin  ce XX/XX/XXXX . In  XX/XX/XXXX , I was tricked into " paperless billing '' while I was making an online   payment on  Macys.com.  I always prefer that my credit card statements to be sent via mail because I will not make a payment until I know exactly what charges and fees have placed on my account, and online statements are typically a hassle to downloa d. Macys.com u sed deceitful methods to enroll consumers into paperless billing. By pre-selecting paperless billing on the " make a payment '' page of their website, it puts a undue burden on the consumer. If the consumer wants paperless billing, they should select that option their self, not have it selected for them. Prior to   XX/XX/XXXX , the Macys.com w ebsite auto selected " paperless billing '' prior to selecting " make a payment '' making it very easy to inadvertently select the paperless billing without the consumer initiating this request. I n  XX/XX/XXXX , there must have been a mistake in the system, because I wa s enrolled in paperless billing, even though I " un-selected '' this option prior to payment. The following  two month  s,  XX/XX/XXXX  and  XX/XX/XXXX , I did n ot receive my statement in the mail. In XX/XX/XXXX  , I logged into Macys.com and  noticed a statement f or  XX/XX/XXXX ,  I clicked on this statement but nothing would download or pop up. There was a technical issue wi th macys.com. In  XX/XX/XXXX , I ca lled macys to inquiry about my account statements and resetting my password. I was told by the representative that I should try again tomorrow because there was a technical issue with the log on system o f macys.com.  XX/XX/XXXX , I was able  to access my account and download my statements ( as stated before, I only make payments after I have verified purchases and fees on my account, and is my right according to Fair Debt Collection Act ) and I made a payment of {$250.00} to make my account up to date. I spoke to an agent about the how the technical difficulties  of macys.com an d unauthorized enrollment into paperless billing caused my delinquencies, and the agent refunded {$74.00} worth of late fees f rom  XX/XX/XXXX ,   XX/XX/XXXX   and  XX/XX/XXXX . I have co ntacte d macys.com to have the 90 day late marks also removed from my credit report, since my delinquency was due to an unauthorized enrollment into paperless billing by macys.com  which prevented me from accessing my statements, along with the technical difficulties of  macys.com t o reset my password i n  XX/XX/XXXX . Macys has refused to remove thes  e delinquencies from my credit report. Prior to  XX/XX/XXXX , when paperless billing was added to my account by macys.com, I never had a   delinquency. This 3 month period of online access difficulty with macys.com, was caused b y Macys pre selecting paperless billing without my consent and technical issues on macys.com for password reset. I was given an option to make an over the phone payment, but again, I never make a payment without verifying charges and fees on my account with a billing statement.
I currently have a little lone w/Wilshire Consumer Credit for the amount of {$6900.00} on a XXXX Kia Sportage. I fell behind on two payments and on Tuesday, XX/XX/XXXX my car was repossessed. On Wednesday, XX/XX/XXXX at XXXX, I made a payment via XXXX in the amount of {$1400.00}. Upon making the transaction. I called Wilshire to advised them of the payment and gave them reference number. They confirmed receipt of the payment. I was advised that the release of the account/car can take between 24-48hrs. I have been calling them almost every 3hrs/day to inquire status of the release. They keep telling me it 's till pending. As of this morning at XXXX the release is still pending. It 's now been longer than the 48hrs. They keep telling to call back. I left a VM message for a " supervisor '' and no one has returned my call.
It's Fraud and should be handled as fraud for the inaccurate 's which are all the hard and soft inquires I haven't applied for any application 's so all of the hard and soft inquires are fraudulently on my Experian and XXXX  and XXXX  Credit Reports by my XXXX XXXX adult son who applied for application 's which cause buniesses to do hard and soft inquires all are of his fraudulently applying on application as me my XXXX  XXXX son XXXX XXXX hurts his reasoning and judgement he doesn't know due to his XXXX  XXXX that my name and social security number and my Experian and XXXX  and XXXX   credit scores are my own and only for my use due to his XXXX  XXXX hurting his reasoning and judgement I don't want to pursue criminal charges or law enforcement presents on the matter of fraud of the fraudulent use of my name and social security number and my Experian and XXXX  and XXXX credit report and scores
I have advised Accelerated Financial Services of of this fraudulent account being reported on my credit file. I have advised them that it does not belong to me and is the result of identity theft. However they have refused to cmply with he law to remove it. I have mailed in a copy of an FTC report. They ignored it and sent icopies of stolen, forged docs to open the account.
cac financial has no validate account, they keep sending a letter head of doctor office but placing there information in the itemized statement, i have asked for a signed document with my signature and debt assumed to be agreed. the have yet sent any such documents. an itemized statement is not validation. 

at the end of this investigation will determine if i file civil suite against XXXX AND CAC FINANCIAL for report unvalidate debt to my credit report in order to damage my credit. both have been asked to verify and validate debt.
SUMMIT FINANCIAL REPRESENTATIVE XXXX XXXX CONTINUES TO LEAVE DETAILED VOICE MESSAGES ON AN OPEN ANSWERING MACHINE. XXXX XXXX HAS THREATENED ACTION, TAUNTED FOR NOT ANSWERING PHONE, AND LEFT BILLING ARRANGEMENTS ON THE ANSWERING MACHINE NUMEROUS TIMES. AT NO TIME DOES HE STATE IS ATTEMTPING TO COLLECT A DEBT, OR ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
I have a home equity line of credit with Citibank that has principal and interest in the monthly payment. This account is current. Last month, there was a system error showing an overstated principal amount. I contacted Citibank on XXXX XXXX, XXXX regarding this matter and spoke with a supervisor, XXXX, who agreed there was an error and told me it would be resolved the next day. 
I called two days later and the error was corrected but upon checking one week later, the error was back in the system. I then spoke to a manager, XXXX, ID XXXX, on XXXX XXXX, XXXX, who said they were still working on the issue. I was told the issue would self correct in the following month. 
This is not an acceptable business practice. The error was then corrected in the system when I checked on XXXX XXXX. 
On XXXX XXXX, XXXX, I checked the system and the principal balance amount is again incorrect. Also, same day, XXXX XXXX, XXXX, I received a notice from Citibank dated XXXX XXXX, XXXX that my account is in default and that there will be a property inspection scheduled that I will be billed for as a delinquency expense. 
My account is current and paid. I am appealing to the CFPB to contact Citibank and have this matter rectified.
Credit co reflecting XXXX is 60 days late ... .it was totaled and paid off by insurance and GAP insurance. XXXX claims they were short paid by GAP insurance, chasing me for money.
I alerted 'LoanCare A XXXX ' to make a payment on my property taxes since I did n't notice the funds being sent to the tax collector on my statement. The payment still has n't been made and I had to pay out of pocket. I gave them a heads up a month before my taxes were due.
I have sent many letters trying to get XXXX and Equifax to properly investigate and account witch was re inserted on my credit file. it was removed in XX/XX/XXXX and now it is back on my credit file with same company in XX/XX/XXXX. the exact same account for the exact same about the only difference is the account number changed. Old account number was. XXXX and the new reinserted number XXXX. I was not notified by the company XXXX nor the credit reporting bureaus informed me of this matter. I know that they have violated the FCRA and I have given both bureaus the opportunity to properly investigate this matter and resolve it but they still have not.
Hey, I do not know where this account has come from. The account was opened XX/XX/2015 for an amount of {$71.00}. I have tried to contact the the creditor but there is not an efficient phone number to actually get a hold of someone to talk to about this.
XXXX XXXX cancelled my flight hours before departure and the insurance on my Citicard, who always claimed to cover me in anything travel related, did only cover XXXX of the claim, with excuses that are ridiculous. Nobody cares. 
I had to run and get another ticket with another airline and they said they would cover any extra charges just to get me out of the way.
Between XXXX and XXXX, without action on our part or notice from them, bank of the west converted our free checking account to a fee based one, and this month started charging us a service fee.
I bought another  XXXX  in  XXXX  anticipating the  XXXX   (   XXXX  fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called  XXXX  and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to  XXXX  in  XXXX   XXXX ,  2017 .
I have a loan pending with Suntrust Mortgage for a refinance. Since XXXX, XXXX inquiries have been made by Suntrust Mortgage and XXXX Mortgage Services on behalf of Suntrust. 
I never authorize excessive credit checks by Suntrust and XXXX Mortgage Services on behalf of Suntrust. 
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files XXXX. Thank you.
XXXX XXXX XXXX, XXXX XXXX : Refinanced my HELOC about 4 years ago. They represented it as a 30 year fixed loan for about $ XXXX. I asked for a letter confirming this and got it. 
About 2 months ago, Flagstar Bank XXXX XXXX notified me they had possession of the loan and I was to repay them. No one knew anything about the 30 year fixed loan from XXXX. Weeks later I got a notice to pay $ XXXX in back interest on the loan. I protested and they backed down. Now they 've decided the full amount $ XXXX or so, is due on XXXX XXXX, 2016. They declined my request for a refinance. Something is very wrong here. Can you help?
I opened a credit card with XXXX in XXXX this was the only card I opened. In XXXX I had some housing issues and I was XXXX for a year and a half. During this time I bounced around from friend 's house to friend 's house or living out of my car. During this time my I still only had the one credit card. In XX/XX/XXXX I found out I had several credit cards and other accounts opened in my name and a few were opened out of state, when I applied for a lease, which I was denied for because of the debt. 

I have since disputed with XXXX and have had most of these accounts removed. I have tried to get Equifax and XXXX to do the same, but no luck. Every time I try to dispute on Equifax I can't get past the verification questions, only once was I able to and Equifax did nothing. 

So far XXXX has done a great job, but I can't get help with the other agencies. 

There are also incorrect addresses and employment as well.
Thus is my second complaint and still waiting for result from first. Since then Discover has made me more unhappy. Right after the first complaint was made discover made a change to my account which I understand they can do anytime, that change was increasing late fee from XXXX to XXXX. I honestly do n't care about this change because in the 3 years i ve had my credit history I never had a late fee. Thing is me and my wife opened this cc on the same day, me having the longer and better credit history. My wife surprisingly has the higher credit limit. Then the second insult Discover did is offered my wife 2 % cashback at grocery 's stores. Why these XXXX things are insulting is because my wife did n't get the late payment fee increase and I did n't get this bonus. Discover your commercial says we treat you the way you treat you. If that is what ya really stand by then please explain me why with the XXXX things listed above do I feel like I 'm a very high risk customer to you based on all your actions thus far? Discover you really want me to treat you like high risk also by locking up your card in a drawer and not use it
EquifaxXXXX is reporting an account that I do not own for collections. I have requested that this information is remove. I believe I need to go back to the Merchant and ask for a refund because after I called the collection agent ( XXXX ) they informed me that this account did not belong to me. The Collection Agency has a request for deletion of this account with XXXX credit companies. XXXX deleted XX/XX/XXXX & Equifax deleted XX/XX/XXXX. Please request an immediate deletion of this error immediately. This has cause my credit score to decline. Thanks.
Citi Financial Mortgage - Illegal withdraw of money and failure to return money in a timely mannerI refinanced my loan with Citi Mortgage. I had my previous loan with Citi as well. The refinance closed XXXX following a 4 month process that required me to involve various managers regarding a failure of mortgage service to process my loan. My problems are listed below:1. Single Point of Contact - this was not followed. I was given the numbers of XXXX mortgage agents that I dealt with. Neither returned my call in a timely manner. 

2. Fraudulent Withdraw of Funds - Following the close of my refinance 7 days later, Citi withdrew the previous mortgage amount of {$2000.00}. Upon calling Citi about this erroneous withdraw, I was given the runaround. See below as to what follows:XXXX - I was told they could not refund my money for 21 days. I told them they withdrew money for a paid off loan. Citi said they would look into refunding my money faster and to call back Monday. 
XXXX - I called back and Citi went through the same process. I spoke with a manager who would not give me a direct number to contact them. They said they would look into it and get my money back ASAP. They were to return call me back that afternoon with details. 
XXXX - After not receiving a call, I called again to check and received the same story : they would look into my problem. I said this was unacceptable and stated repeatedly that they had taken my money for a loan that was paid off. After finally ( 45 minutes ) making it to a manager, she looked into my loan and said they applied the money they withdrew to my new loan. I told them this was unacceptable as the money was mine and my new payment did not start until XXXX. They then told me they would redress the situation and overnight my check back to me. 
XXXX - I called to check on the status of the supposed overnight check and was told that they were cut and mailed XXXX - After not receiving my repayment, I called again to request a tracking number. I was then told that the check was not sent overnight. Rather, it was mailed and that I could expect it within 10 days. 

This is the problem : They withdrew money from my back account and have refused to refund it in a timely manner. I have received several 'answers ' and 'solutions ' to my problem but have not received a resolution. I have spent literally hours of my valuable time on the phone in order to redress this error on their part. They have committed a crime and they have not worked in an efficient manner to redress the issue. {$2000.00} of my money that was taken is now tied up in a bureaucracy that refuses to address the problem in a timely manner. 

From the failure at the SPOC to the illegal withdraw of money to my account, to the almost comical way they have attempted to return my money, Citi has taken advantage of me. Their fraudulent action must be addressed on an individual and institutional level or this will continue happen to many others.
I had an XXXX collection from XX/XX/XXXX for {$820.00}. I refused to pay the original amount to XXXX XXXX XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX NCO financial systems for the amount of {$820.00} and i was offered a XXXX discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from XXXX XXXX XXXX asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter.
I settled on a credit card balance with XXXX XXXX XXXX XXXX XX/XX/XXXX. They claim they sent a report to Equifax to ensure the account would be marked as closed. However, every month since then, for ten months in a row, the credit card has been reported again by XXXX XXXX to Equifax as " open ''. XXXX at Equifax said it was once again reported open on XX/XX/XXXX, four days ago. 

I have received multiple letters from XXXX XXXX claiming they closed this account with Equifax, yet every month they go ahead and report it again to Equifax as open and now " delinquent ''. I have written them multiple times over the last year and continue to this day to receive acknowledgment from XXXX XXXX that the card was indeed closed as of XX/XX/XXXX. Yet they continue to report it as open and now delinquent for ten months ( even though it is actually closed and not delinquent at all. ) I am being materially damaged by this continuing incompetence by XXXX XXXX - not able to get the loans I need for my business because this wrongful reporting continues, and shows me delinquent on this closed card for the last 12 months in a row. 

XXXX XXXX has shown no urgency in resolving what they have readily admitted for ten months that they have done wrong.
XX/XX/XXXX I was contacted by XXXX XXXX of XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Fl. XXXX. At the time of phone contact I was beginning the process of discharge with XXXX. XXXX. My daughter receives federal SS XXXX as she is permentanly XXXX. XXXX indicated she knew of my situation and she worked as an agent for 1 ) XXXX the lender.2 ) The US Department of Education . She represented that the ONLY way to receive a discharge was to FIRST consolidate the loans. I subsequently received a federal form via email that had filled out by XXXX. I signed electronically and forwarded to the US Department of education. In XX/XX/XXXX Great Lakes loan servicing XXXX XXXX XXXX, XXXX Wisconsin XXXX allegedly sent me t a form via email that was the autorization to consolidate and select them as servicer. I DID NOT SIGN because I did not see it in my emails. When I received a statement from Great Lakes in XXXX. I called and was informed that I was now ineligible to apply for a discharge BECAUSE of the consolidation. When I explained I had not signed the autorization and would not have if I knew of the inelligibility to file a discharge Great Lakes indicated that because I DID NOT SIGN they were automatically selected and the consolidation completed and could not be reversed. I called XXXX and asked her how this could be. She was silent. I asked who paid you? She said the lender. I spoke to XXXX  ( XXXX XXXX the lender they stated no they do not pay third parties. I allege that XXXX was paid by Great Lakes and is running a criminal kickback and fraud. Why is Great Lakes permitted to assume servicing absent an affirmative autorization from me? I have been unjustly denied the right to apply for a discharge because of XXXX and Great Lakes. I have filed with the FTC and the US department of education. This requires investigation. XXXX on her web site claims the lender pays. She claims 15,000 satisfied students. She lied, misrepresented and should be held accountable.
They have called twice already this morning, using a robo-dialer to call my cell phone. When I answer, an electronic voice tells me to please hold for a very important call and then puts me on hold with music playing. This is unacceptable, both the multiple calls and the robo-dialing then putting me on hold.
I would like to get my free annual credit report from Equifax , but can not get a copy of it. I have submitted a request via USPS mail, since requesting a credit report online from THIS credit reporting agency is IMPOSSIBLE TO DO!
my XXXXname is XXXX XXXX i was a navy federal credict member i had account it went into a overdraft status they let me attach my grandson XXXX under this account they siezed his account trying to collect my debt he is XXXX years old.