WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/XXXX, I cancelled service with my cable provider XXXX XXXX. I was charged a {$200.00} early cancellation fee. I never entered into a contract or agreed to use their services for a specified time frame. The debt was transferred to a collections company. I responded certified letter within 30 days requesting proof that I entered into a written or verbal contract. While they provided a detailed statement, no proof of contract was provided. On XX/XX/XXXX, the account was then transferred to a second collections company, starting the process all over again. I believe the policy to transferring collections accounts on unresolved debt is tantamount to harassment.
XX/XX/XXXX - When disconnecting cable & internet services with  XXXX , I was given a final balance owed, which I paid. Soon after, I was sent a bill for an additional amount. I called, and  XXXX  said it was a mistake, and that the balance would be credited. Some time later, I received a bill from a collection agency for the same amount I was told would be credited. Fearing the credit hit I might take, I paid the balance. Some time later, I received another letter from a different collection agency for the same amount, which 1. I did not owe, and 2. I already paid anyway. I paid the balance a second time. After long hours on the phone with   XXXX   customer service, I received a reimbursement for this payment. Now, in XX/XX/XXXX , I received a letter from a third collection agency, again for the same balance I did not owe, but already paid twice. Last week, I was promised by   XXXX    customer service that 1. The balance would be credited, and the issue fixed, and 2. I would receive confirmation of this by email by the end of the next business day. No confirmation arrived ( it 's been several days ) and, as of this morning, the collection agency still sees the account as active. When I consider not only the credit rating issues this will likely cause, but my efforts from the beginning to resolve the matter and the inability of  XXXX  to do what it consistently says it will do, my only choice is to see this as harassment on their part, and to ask for whatever help might be available in resolving this issue.
I refinanced several of my federal student loans through another lender ( XXXX ). A payment to close out those loans was sent to the loan servicing company on XX/XX/XXXX, but was applied incorrectly across all my loans instead of paying off the specific ones noted on the paperwork. On XX/XX/XXXX, I called federal student loan servicing to ask for the allocation to be adjusted to match what was sent from the refinancing company. They submitted this and told me it would be resolved in 7-10 business days.

After the 10 bushiness days had passed, I called again on XX/XX/XXXX and was told that this was still in process, but would be escalated to a supervisor and resolved in 24-48 hours. As of today, XX/XX/XXXX, the loan allocation is still not resolved. I did call again on the XX/XX/XXXX, but was told that it was in process and would be  resolved soon. 

In the meantime, I've had to make another full loan payment, which is going towards loans that should no longer exist.
I need help please me and my kids have been struggling cause i made a mistake on going to college XXXX in XXXX colorado i went for 3 weeks and was charged over XXXX and still have a judgemet of XXXX which they wont help me also still have to pay Navient already XXXX which is sal may how ever you spell it which i payed them another XXXX i cant do this any more i get calles from XXXXthrough XXXX from different people from Navient they say didnt get my XXXX last year income tax and that i haveny been paying them and i still owe XXXX and these loans i did n't know about until two years ago. College XXXX my kids life and mine. We been homeless because they took my income taxes i lost half of our things, i have been sick in amdnout of the hostipal because the XXXX my electricity has been turn off i ca n't feed my kids we have to reley on government assistant. Me and my husband works but it never enough for raising XXXX kids.. I need help please 9 years of harassment and struggling i cant do it anymore please help me amd my family please please
I paid this Creditor in XXXX and it still is showing on my Credit Report. XXXX amount of XXXX
I was checking my XXXX credit report and I found a Hard Inquiry of CHASE CARD on XX/XX/2018. Just called them to ask about this since I haven't submitted any credit card application and they just told me to call XXXX. Called XXXX and they confirmed that CHASE CARD has my social security number and name correct but my address incorrect and that I need to call them again and explain this but they don't help me with this issue. I just need that Inquiry to be removed from my credit since I didn't submit anything to them neither ask for credit to them.
After XXXX hit XXXX, My father and I were informed that a new flood insurance was issued for our property for XX/XX/XXXX thru XX/XX/XXXX. We informed Shellpoint ( a mortgage managing company for New Penn Financial ) that we would not have gotten the loan in XX/XX/XXXX if we were not covered with Flood Insurance. Later my father and I leared we had flood insurance, but not for the period of XX/XX/XXXX thru XX/XX/XXXX. We ended up getting flood insurance from XXXX on XX/XX/XXXX, which extends through XX/XX/XXXX. I was informed by a worker named XXXX that we show flood coverage for day to date except for the period of XX/XX/XXXX-XX/XX/XXXX. If they wish us to pay for that period they could have requested the payment or add it on the mortgage as stated in the Deed agreement on record at the XXXX County Court House ( pg.5 of 14, # 5, Property Insurance ). Instead, Shellpoint set up an escrow account for taxes and insurance we have already paid. When we spoke to an attorney, she suggested that we make a complaint to the CFPB. I am tired of harrasment calls of being late with the mortgage payments. We have sent them the complete mortgage payment for principal and interest, and each month and they have the nerve to charge a late fee on the escrow payment which is not suppose to be on record. In the 11 1/2 years that the XXXX 's have owned this property, there has never been an escrow account. We informed Shellpoint that their escrow account was illegal and they would here from my lawyer, but on advise of an attorney, hearing from the Federal Government is better.
I sent transunion 66 letters stating that i did not these permission to run credit they said they wont remove ' them its a fraud alert added to my acct i need those inquries removed its damaged my credit score
On XX/XX/2018, Citizens Bank processed a DDA Debit for XXXX on my checking account for an offset for an old account that I had with them. However, since the sources of income for that account are Unemployment and Child Support, those sources are considered uncollectable and are exempt from debt and garnishments. They are refusing to return my unemployment.
Bank of American had repossession my vehicle for been 2 months behind the did not sent me a letter stated they was going to repossession my vehicle. The only letter I received was I was behind XXXX dollar behind and i needed to get it caught up. After I contact them to ask what I need to do to get my vehicle back they stated you how to pay your vehicle off XXXX because I was late on my account my last three payment. They ask me why was I late I stated my husband had a XXXX XX/XX/XXXX and I been the only one with income. The first lady I talk to she stated that they will ask for what you owe and fees for repossession. I stated okay and she gave me number to the repossession and they stated I have to pay the car off before I can get it back because I was late and I am 2 months behind. I want to know are they suppose to send me a letter to let me know that my car in the process of been repose before they pick it up. They only letter I received was I need to get my account current and the amount.
In year XX/XX/XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, XXXX XXXX. There were XXXX mortgages, XXXX {$80000.00} and the XXXX {$15000.00} XXXX  financed by XXXX XXXX XXXX XXXX XXXX Total {$95000.00} with a down-payment of {$6000.00} +. <P/>XXXX XXXX XXXX XXXX XXXX was then bought by XXXX XXXX XXXX In XX/XX/XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XX/XX/XXXX, XXXX XXXX XXXX foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. XXXX XXXX XXXX told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe XXXX XXXX XXXX any amount on the XXXX mortgages. My XXXXbureaus credit reports started to reflect XXXX balance on XXXX accounts. <P/>Then in XX/XX/XXXX, a company called DykeOneal, located in XXXX XXXX XXXX XXXX, XXXX started to call and write to me that I owe them {$15000.00} XXXX mortgage. Tel : XXXX. <P/>First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the XXXX mortgage from XXXX XXXX XXXX <P/>I tried to obtain evidence of sale from XXXX XXXX XXXX, XXXX but XXXX kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only XXXX can provide me the evidence of foreclosure sales I needed. <P/>DykeOneal then took me to court. To summarize, I was ill and couldnt appear in court the first  time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE. <P/>The I went to the court the second time to see the judge who thought I lived in XXXX XXXX whereas I live in XXXX XXXX near XXXX where his court is located. <P/>After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the XXXX to see what is owed. <P/>I did. Both papers show and proved what XXXX said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX and could not afford a lawyer. <P/>Dyke ONeal has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}. <P/>PLEASE RESCURE ME FROM DykeOneal. I DO NOT OWE THIS COMPANY A PENNY. <P/>I will furnish you with necessary documents if you provide me the method ( s ) to.
Remitly XXXX XX/XX/XXXX, send by app to XXXX XXXX US {$100.00} I never arrive. 
On day XXXX  call to cancel that transaction. 
On the XXXX and XXXX call to inquire about the cancellation and the return of my money. They do not explain anything On XX/XX/XXXX, they take from my checking account the amount of USXXXX without authorization. 
They do not explain the why of that.
Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court thank you.
Dear CFPB President, I 'm contacting you guys on behalf of my checking 's account that I had open with you guys when I lived in XXXX XXXX, XXXX I opened the account on the month of XX/XX/XXXX. 
I moved all the way across the state out here to XXXX, XXXX for work. 
So on Friday XX/XX/XXXX I came to the local bank of america branch to cash my {$400.00} check. I cashed my check then deposit {$20.00} and {$140.00} into my account. When I left the bank and came back to work. I tried to check my online banking account. For some odd and apparent reason. When I tried to log in the app. It said Account Locked so I had to contact a XXXX number. 
I contacted them and spoke to a representative, I was put on hold for an hour and a half due to reviewing of my account. I then was told that I was going to get transferred to the fraud department. I spoke with a gentlemen and he said we just had to verify some information. As soon as we verified information and everything seemed to be verified. I asked him. After this call. Am I going to be able to Log into my mobile app? He then replied, " yes ''. So then I told him thank you. And our call ended. 
He later called me back and told me they were going to close my account because I used XXXX XXXX? 
1st. I did n't get to use my XXXX XXXX, all I did was just put my debt card on file with android pay. So I did n't even get the chance to use it. 
His explanation was that because I used android pay they were going to have to close my account. My question is, why? when I did n't even get to use it. He then transferred me to the risk department. And they told me they will have to close my account under the deposit and disclossure agreement on page 2 there 's an agreement that say 's bank of america can close your account without and explanations. 
My whole thing is WHY would you guys close my account for no reason, for something I did n't even use. I 'm trying to get my plane ticket to go back home to XXXX. And now I cant even do that because my money is in the bank with you guys. I would say I only have {$150.00}. 
To be honest, I like bank of america. I even have a credit card with them to build my credit. I just do n't get why I have to go through so much, just to be able to get my money so I can fly back home.
MY EX HUSBAND XXXX SENT MEN OF HIS OWN ON XXXX TO XXXX TO XXXX FOR CONTINUED DEBT AFTER MINE WAS FORGIVN BY THE MERGER OF AIRLINES AND OTEHR COMPANIES AND STARTED ANOTHER DEBT ON ME FO CLOTHING AND OTHER TO XXXX THREATEN ME ABOUT ILLEGAL COURT FORCED TO FILE AGAINST FTC ORDERS COURT DECREES OF THEIR ACTIONS I NEED HELP ASSISTANCE WITH THIS MATTER MAY I SEE AN ATTY AT FTC I NEED AN APPT PLS EMAIL ME AT XXXX AS MY LITIGATION AND LEGAL RIGHTS AND MY CREDIT HAS BEEN HARMED SINCE XXXX WHEN I STARTED SEEING INTO THIS ILLEGAL OIL LITIG SET UP OF OLD BAD XXXX AND XXXX CRIMINAL XXXX AREA FILES OF THEIR OLD CREDIT CARD XXXX CRIMES AND DEBT ILLEGAL MAKING ON ME AS THEY PROMISED NOT ABEY OF FTC AND FEDERAL COURTS OF XXXX WHICH I SAW IN XXXX AND XXXX ATTYS WILL NOT STOP EITHER AS THEY OWN THEIR OWN LEGAL CORPORATION ON XXXX IN THIS MATTER
I NEED ASSISTANCE IN RESTOERING ANDD FORGIVENESS OF CAUSED ACTION IN DEBT
THEY VIOLATE 15 USC 1601 STATUES CODES EVERY DAY TO ME AND INSIST ON SUCH TELLING ME DO NOT PAY MY DEBTS AS THEIY WILL TAKE CARE OF IT IN XXXX R XXXX OR XXXX DEBT MAKING COMPANIES OF CLOTHING AND XXXX OF THIS MATTER THEY HAVE BEENTOLD BEFORE AND DO NOT QUIT A XXXX COURT FEDERAL OF DEBT COLLECTION COURT DECREE I SNSET YOUR AGENCY A FEW YEARS AGO
I disputed a medical account on my Equifax credit report XXXX/XXXX/2015 and the account came by verified and I sent a letter on XXXX/XXXX/2015 stating that the collection agency did not have collection authority on the account because the balance was paid to the hospital and the account is not in collections. Today I receive an updated credit report stating that the account remains the same with a balance and still on my credit report. They did not verify the information
I spoke to Ford on several occasions and was told that the data was going to be removed off my credit report because of staue of limitation.The information is affecting my government security clearance.
Navient on several occasions has redirected me to use forbearance rather than provide me with a low-based payment option.     Anytime I tried to submit my request electronically it would repoint me to the forbearance options.     I have negative reporting on my credit that includes excessive fees and charges of interest on the loans.
Portfolio Recovery XXXX. was sent out a letter of validation on XX/XX/XXXX, 2017. In return the sent me a letter with a copy of a lot of old bills. An old bill does not validate this account belongs to me. When I call they ask me for my social so if you ca n't validate that this is my account why do you need my social. I am asking that this account is deleted off of my credit report because they will not comply of what I need to verify this account. The account number thatchy sent is XXXX. Thank You, XXXX XXXX
General Information Services ( GIS ) furnished a background report on me and submitted information to an employer that I applied with. The information that the reporting agency submitted is not supposed to be sent to the employer due to the fact that the state I live in has restrictions on what the agency can and can not report. On the background report, the agency submitted information that is past seven years but the state of Texas does not allow agencies to report information beyond seven years if the job pays less than {$75000.00} annually. Here is the Business and Commerce Code for the state of Texas XXXX : XXXX # XXXX Other research that I have found on this issue : XXXX The use of older cases Whereas the FCRA does not allow the use of any non-convictions older than seven years, several states go further and ban the use of any case older than seven years, even in instances when there was a conviction. XXXX states place restrictions on the reporting of ANY case information older than seven years. These types of restrictions are found in the following states : California, Colorado*, Kansas* , Maryland*, Massachusetts ( additional limitations are put on the reporting of misdemeanor offenses ), Montana, Nevada XXXX New Hampshire*, New York *, Texas *and Washington*. 

( * indicates exceptions based on salary. )
This complaint is a response to a previous compliant response submitted on XX/XX/18 to credit collection services # XXXX This debt is not my debt and I don't own your company anything. No contract was never established with your company..
RE : Wells Fargo recent response with incorrect information documentation ( I did not state anything regarding my Health! ) stating that they were not seeking foreclosure on my mortgage, yet I have 2 letter 's threatening foreclosure in my hand. I also have my bank statements that do not coincide with their dates and payments or the over payments I've made to my account.

they sent to me an account activity statement that has half of the " supposed '' activity info cut-off. 
the correspondence does not mention the reversed payment they executed? 

I feel I have not been given the advice, or assistance they claim. 
I have the documentation! on the offer of utilizing the " Harp '' mortgage modification I was told I didn't qualify for and then told more recently I did. The offer was to restart my mortg. 
beginning again at a new 30 yr with lower interest rate and to pay fee 's over {$4000.00} in order to execute this offer.

I've spoken with three representative over the past year going into this year and a I have a recorded call with an agent stating that in fact i was not late but ahead 3 month 's and in the recent correspondence they deny this! 
I also have bank statement where my payments are paid and the dates do not coincide with theirs. 
spoke with : XXXX XXXX XXXX - Agent call recorded made return call Ms XXXX XXXX Ms. XXXX XXXX
On Tuesday, XX/XX/XXXX, my parents received a call for me concerning my Citi Simplicity Card.  This is very odd, as I have lived on my own for 11 years, and Citi does not have this number on file for my Credit Card. On Wednesday XX/XX/XXXX, I logged into my account and was greeted by a splash screen to contact their Customer Service Department at XXXX. I immediately call this number, and I am asked to verify my identity. I provide all the correct information ; however, the representative claims they can not verify me. I am then asked to provide them with a credit card account from another bank. I decline to provide this information, I am then asked to provide my bank account information. I declined to provide this information, and asked to speak to a supervisor. The supervisor stated that all they could do was mail me a letter to my mailing address, in 5-7 business days. Approximately 5 minutes after hanging up from the supervisor, my mother calls me to state Citi was looking for me at their house again. Thinking this was odd, I called the number on the back of my credit card. The representative told me that there was a problem with my account, but he did not know what it was, and that he would call me back on my cell phone. I waited 24 hours with no call back and called the number on the back of my card again this morning, XX/XX/18. I was greeted by a female representative that took all my information, and then states they are having technical difficulties, so I should call back in one hour. Later in the day I call the number again, and XXXX tells me that she can not verify my information. After a heated conversation, she says she has to mail me information, and requests my mailing address. After hanging up with XXXX, my wife calls me to tell me that XXXX from Citi called her cell phone looking for me. Again, this information is not listed on the account. So I call back, as I am pretty angry at this point. to see Why they seem to have information related to me, that is not a part of my account, yet they can not verify my account to tell me what they deem is wrong with my account.
My HSA bank now is charging {$2.00} per month for a paper statement fee. Also, I just spoke with a company which provides a service that I pay for on an annual subscription basis, and they want to charge me a {$2.00} paper billing fee. How can these companies get away with nickel and diming me to death?!? They have been providing paper statements and paper bills, with an option to opt-in to electronic delivery. Now they are penalizing me for wanting to receive paper?!? How is this still legal???