WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX card has been contacting my ex husband whom I divorced several years ago. Theyve been calling his office and cell phone number, even though my ex husband told them that he doesnt want to receive any phone call regarding me they still calling him and telling him about my debt and told him that I need to get an attorney. 

Earlier this year I asked XXXX XXXX to use my account assure that they advertise will help you during your hardship moment. Its all lie, not only they didnt lower my payment or comes up with solutions, they told me they cant help me because my payment is always up to date. Not only I lose my money from my account assure ( which also a scam the way they advertise it ) the communications with XXXX XXXX representatives are always bad, different people said different things and they dont have initiative to help. After being late for my payments ( in order to get help from hardship department ) they been calling me day and night, several times a day with unknown number and robo calls. They also threatened with contacting the attorney and will taking this seriously. Back when it started my debt was {$1200.00} with {$3000.00} credit limit. Now my debt is $ 1600+ because not only of the account assure didnt assure you to get help during hardship moment they keep charging me every month beside the interest fees!
I called XXXX on numerous occasions with more than XXXX excuses why they could not close my account. Every time I would call one rep even told me I would have to wait. I was like wait to close an account that I want closed now this is ridiculous. I placed another call and was told to wait until my billing cycle ended. Every time I called it was excuses after excuses that really burned me out as a consumer trying to get this resolved with my credit applied. Many reps would hang up in order not to deal with closing the account and would place me on hold for more than an hour then they would hang up the phone because I was a loyal customer with numerous lines and they would not want to be responsible for a big account closing. This went on for several months. I got no where until I transferred the line to another carrier.and requested that they close my account they would not assist me to do so. I asked them several times and they kept transferring me from XXXX department to the other. As of today 's date I can not get a payment arrangement nor able to login into account to make a payment. I have made numerous calls to close account. They want to keep billing me the bill got out of hand from the amount that they said I would be paying each month it was double from the original amount instead of XXXX it became over XXXX per month and not what they quoted me. I was told on numerous calls that I would receive credit as of today 's date I never received credit nor an adjustment for being a loyal customer. On XXXX XXXX, 2015 I received a letter from XXXX stating that my account lines were disconnected but I can still log on to my account which is active and pay when logging into account account would not let me login in to see my account nor assist me. I received an invoice in the amount of {$4300.00} from collection agency Convergent regarding the collection proceeding from XXXX XXXX I am still awaiting communication from XXXX on my credit of more than XXXX owed and have not received I am now being harassed for money when I tired on numerous attempts to get this account resolved and my credits applied with no communication from verizonwireless other than a letter stating that I can login to account which login does not work. I have left numerous messages with customer service to close account and to assist me with payment arrangement on the correct balance owed as of today 's date this has not happened and even after a letter received XXXX/XXXX/2015 from XXXX saying to pay them by login in to account but how can someone pay XXXX people at the same time them and a collection agency when the bill is still not resolved. They have never sent a letter saying they have resolved the matter nor a credit but ask to pay them and also a collection agency all at the same time which is against the law. To request payment and also request a collection agency all at the same time.
Just checked my report and noticed a debt in collection from someone or company that I 've never heard of before in my life for a debt amount I have no clue about. Need help.
In the last few months I have sent to TransUnion the documentation they requested to provide me a copy of my credit report. In each instance TransUnion mails a notice back that the documentation provided was not a qualifying document, or did not meet their requirements in some other way. 

TransUnion also will not allow me to access my credit report on their website, and will no longer supply my credit information to XXXX. TransUnion does not allow me to dispute errors on my credit report online with my online login XXXXXXXXXXXX.
I've contacted this company requesting validation and they sent me a bill with my name, but without anything further they also violated Hippa. 


XX/XX/2015- {$680.00} XX/XX/2015- {$370.00}
I accidently sent XXXX to a closed account at TD Bank. I immediately tried to reverse and was told by TD Bank my account I sent from would be credited by TD. This happened XXXX XXXX, 2016 and I am still awaiting a positive response from TD. I have provided the tracking number to them from my " send '' account with no reolution bt TD. I am at a loss
Terrible experience refinancing through Envoy Mortgage, XXXX XXXX 's agency. Use higher that average title and appraisal services and pass cost off to the customer. Horrible customer service - especially once you have paid them. Pay-offs were done wrong and could not get answers to my questions, just told to go figure it out myself. Mortgage was sold and no notification was sent to customer. Paid extra to principle before my loan was sold - it 's been two months and that money has never materialized at the new mortgage company!
I contacted this company last year in the hopes of settletling a debt, the representative threated to send an attorney after me. Today i attempted to call them again and the representative XXXX would not let me speak, he claimed he did not want to hear my sob stories, that those were my problems not his.
On or about XX/XX/XXXX, and then again on or about XX/XX/XXXX, the child support enforcement agency contacted me about an alleged debt. These debts are in excess of {$30000.00} to date and counting. I have contacted them on numerous occasions in reference to this issue with no resolution as of yet. Attached you can see the efforts I made in good faith to relieve this issue.
On XX/XX/XXXX I made my yearly purchase from XXXX XXXX with my XXXX card as I have for the past few years. I use my XXXX card only to get the points then I pay it off with the bank account that is connected to my XXXX card online. 
In XX/XX/XXXX I went to the XXXX XXXX website to make full payment. I proceeded to make the payment, received the thank you for the payment page and noted my personal budge/bill sheet as paid. 
On or about XX/XX/XXXX I received an email that my account was 30 days past due. I immediately made a phone call to ask why. I was told that it had been reported to the credit bureau as a 30 day late pay 2 days prior to the email I had just received. 
I explained that I had made that payment back in XX/XX/XXXX and had not gotten any email or late pay notice until that email that prompted the call. At this time full payment was made to XXXX and all late fees were refunded by XXXX. 
I disputed with XXXX XXXXCapitol One on XX/XX/XXXX and then again around XX/XX/XXXX. 
I also disputed 2 times with XXXX  and XXXX. 
This is clearly a system error of some sort which is obviously not a item that can be " proven ''. 
The only response I'm getting from XXXX is that if there is not proof of it being " their fault '' there is nothing they can do. I debated that a " fault '' of a system error is impossible for the consumer. 
My credit has been in perfect condition for many years now and this is the one and only blemish, reducing my score by more than 50 points. I am asking XXXX to simply make a courtesy credit removal due to some sort of system error. 
I have also consulted a credit repair company that advised I try once again to remedy it with XXXX XXXXCapitol one and then proceed to file with the CFPB, OCC, Fair Credit Billing Audit and social media negative blitzes. I shared with XXXX the steps I was going to take and they did not care. 
I am in awe of how an error of this sort can have such an impact with zero path for the consumer to be protected or heard and a human being instead of a number or piece of paper.
XXXX XXXX as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks.

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for XXXX to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of XXXX XXXX false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as XXXX, then consumers like me are not protected. We are being bullied by big businesses such as XXXX and credit bureaus.
Experian blocked all my families phones. I'm not able to reach them. Please see the attached letter sent to my husband.
An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX in the amount of {$1800.00} began reporting on my credit report on XXXX XXXX, 2013. Despite constantly disputing this debt with Equifax, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.
I have a loan with Caliber, I made payments during the past few years,, yet they were not applied, mainly because the loan was transferred from XXXX to Caliber. 
I contacted XXXX and asked them to send me statements from my billing history, so Caliber can apply the credits to my account
It 's been going on 3years and no real outcome, i filed a dispute with Experian and XXXX which is their credit reporting agency about an account with my old apartment which we went to court for non payment because of repairs not done to unit, the judge enter a no money judge and said the apartment people would have to sue me to collect the amount they say i owe. The apartment failed to do so and sent my account to collections who is trying to collect on an account that is not collectable. Experian has also made me field over 3 disputes in claims that the previous representative did it incorrectly and one time the dispute took longer than 30days in which experian lie and said they emailed me tge outcome which they never did. And XXXX and XXXX with experian lie and told me that where specialist in legal documents and sided with XXXX, causing more damage to my name and credit and holding me back from getting my first home.
I have inquiries on my credit report that I did not authorized. I also do not have a account with any of the following companies below. 

XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Transunion needs to unlock my account. I have been trying to access my report on transunion.com and annualcreditreport.com and not successful at all. I have been a victim of identity theft and they refuse to assist me in my requests. They are doing a poor job of customer assistance and helping me with these situations.
I have a closed complaint, reference number  XXXX . I just received a delinquent tax bill from  XXXX   XXXX .  Shell Point MTG r esolved previous complaint, paid the taxes that were delinquent from  2015  and then cancelled the check after they resolved therefore I still have delinquent taxes due for  2015 . When I called them I spen t 2 h ours on the phone and made no progress  XXXX   XXXX  they sent a check for  XXXX  and then cancelled the check later that month. This check would have resolved my complaint if they would not have cancelled Thank you  XXXX   XXXX   XXXX
I do not own this account and was never notified by anyone until it showed up on my credit score. Terrible repeated phone calls to where i was forced to block their number. They need to take this off of my credit report.
I SENT LETTER TO XXXX ON XX/XX/2015 AND NO RESPONSE.
On XXXX I deposited an XXXX distribution for {$3000.00} to my bank, U.S. Bank. The next day I saw in my online account that it had posted to my account. I presumed it had gone through processing overnight. I wrote payments through the same account to pay for two insurance policies. The next day, XXXX I saw online that a hold had been placed on the check. I called US Bank and was told it was because they did not think that the check /from my XXXX would clear. After calling again on Saturday, and then Tuesday XXXX I finally got to the right department at US Bank, " XXXX ''. They repeated that it was a suspicious check. He said they believed it would not clear because I did not regularly deposit {$3000.00} checks! But when I asked them if it had yet cleared, he said " we do n't have access to that information ''. So it was pretty clear that this was not evidence based, but simply a policy of arbitrarily holding funds without reason. They finally released the funds seven BUSINESS days later.
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by XXXX marked XX/XX/XXXX on my Transunion report. I tried to contact XXXX directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report was returned to sender, thus have no other means to contact XXXX. I have attached the certified receipt. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX
WIthout notice or reason USAA closed my checking account. Prior to this they restricted my online account access preventing me from transferring money or using the bill pay service. However a rep went through the charges on my account to verify over the phone. As my online account access was frozen in XX/XX/XXXX   , preventing me from using the bill pay or electronic transfer services provided with the account. I requested further information regarding an ACH Debit on  XX/XX/XXXX     as it had no identifying information, and it would have been impossible for me to initiate the transaction electronically. The ACH was for {$4000.00}. To date I have not received any information regarding this ACH debit.  <P/> Additionally, USAA charged me an {$8.00} fee to send me a check to provide the funds which were held in the account for months. As they closed they account they should have provided my funds without a service fee and as soon as the account access was restricted.
I filed a chapter XXXX in and was discharged in XXXX. I did not re- affirm my mortgage. I can apply for a FHA loan but not a conventional loan. after the crash of the market i filed a BK XXXX this should have been a " fresh start ''. I am being haunted by B of A who took almost 8 years to foreclose the property because the banking institution did not want to flood the market with foreclosures. They decide to finally foreclose in XXXX and my clock has started over and now the foreclosure has been freshly added to my credit reporting agencies. During the 8 years i reached out to, HUD, Countrywide and B 0f A, only to be denied options to avoid this and force them to act. instead, now i can not recover for 14 years from my chapter XXXX and start over. please guide me. i am exhausted of fighting this on my own. i am a victim of big banks serving themselves. ( Please be advised that my noted address is not the address in question. the property address in concern is XXXX, California. XXXX )
XXXX, Experian, XXXX Please be aware that I 'm not a credit company, so do n't allow your computer to label me as that I 'm a human being that knows my rights. I wo n't except no response other than this situation being fixed. No excuses from you. 

I contacted all three bureaus today and I mentioned that I want all fraud alerts removed permanently. This has been causing a problem for sometime now. Please remove all fraud alerts within 24 hours I do n't feel comfortable sending personal documents through the mail and I hope that you respect my decision. I do n't know why a fraud alert is reporting on my credit report and i thinks it 's because of the breach. If my credit file was breached I will take immediate actions against al three bureau for damages in a civil court room in XXXX FL within the next month. I have unknown inquiries on my credit file I 'm convinced my credit file has been breached and for every error I will make it my job to have my lawyer take legal actions. If for any reason a fraud alert is placed on my credit without contacting me there will be major consequences. I 've contacted BBB and FTC to file my complaint. You have 48 hours to fix this XXXX. Any inquiries that you see since XXXX 2017 is n't mine sorry.
I purchased my XXXX XXXX from XXXX and it is being financed by Westlake Services , LLC. dba as Westlake Financial Services on XX/XX/2018. In the last two months this company has not posted the payments to my account in a timely manner. They are processing the {$450.00} the day after it is due date, then stating that the loan payment was received late. I send the money by certified mail every month and can track the date and time when the representative signed it which was on XX/XX/XXXX at XXXX XXXX. 

Apparently, this billing practice is not a concern to them. I honestly feel this is an example of predatory lending at its best. When I send an email or called and spoke to the people in the Billing Department, nothing is ever done and the problem seems to be progressively getting worst. 

Additionally, the payoff amounts do not coincide, as the one on the Billing Statement is much higher than the one listed on their website. Evidently, this is another red flag and should be investigated as well.
The note on our home located in XXXX California allows us to pay our mortgage to LoanCare right up to the XX/XX/XXXX of the month, I pay it through my bank with online banking so I 'm never late. however despite paying LoanCare on the fifteenth of the month they always send me a late payment notice demanding and extra {$50.00} as a late fee multiple times with a letter, however, we are not late. If I thought there was a problem with my bank then I would file a complaint with the Controller of the Currency, but my bank pays everything on time as reflected in my credit report scores. I have already notified LaonCare to stop this practice and they have replied with a letter, however I don not expect any change. now they are notifying me our home owners insurance has expired 19 days after the date they allege our hazards insurance has expired forcing us to comply with the choice of their insurance company resulting in higher fees. These are deceitful and misleading practices and need to be stopped.
I owed approximately XXXX dollars. While I was waiting for XXXX to be ok 'd, ( 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive XXXX for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later another debt collector XXXX started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not here from them until recently. Now they are calling me every week day sometimes twice a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. Thank you.
I owed a debt to XXXX credit card which was turned over to ERC collections. They call me, harass me, when they hang up at my home, they call my cell and do the same. They have threatened to send me to jail then asked for my husband and threatened him. They call all types of the night after hours and even speak to my children.
I am actually the co-signer for this loan and we are trying to pay it off. I sent American Education Services who services the loan an extra {$500.00} payment over two months ago. It NEVER got applied to the principal and they pretty much have no idea where the money went. All we are getting is a " runaround '' about it. I would love to just pay it off but am scared they will " take '' that money as well. I have looked online and have noticed NUMEROUS problems others have had with this loan servicing company. Someone really needs to " audit '' this company. Every time I turn around they keep charging us extra interest and we setup automatic payments yet most goes towards interest. We put a request in to increase the monthly payment way before the amount would have been taken out and they " purposely '' just skipped the next month 's payment just so more interest could be charged. They may not be doing anything illegal but I believe they are highly " unethical ''.