WillisBack/dataset-financial-user-claim huggingface dataset:
Sometime in XXXX XXXX I started receiving letters from XXXX XXXX XXXX from Key2Recovery regarding a debt to a school that I do not owe. At first, she acted professional, but later on she became very rude and uncooperative. I had taken out a private student loan through XXXX XXXX about 6 or 7 years ago, and am still paying on it. I moved from XXXX at the end of XXXX XXXX, and let XXXX know that I did n't have a mailing address yet but that I would give it to her once I set up a XXXX XXXX XXXX She called me several weeks later asking if I had received the document proving that I owed money to the school, and when I asked her where she had sent it, she said it went to XXXX. I reminded her that I left a voicemail as soon as I moved to XXXX and got my XXXX XXXX XXXX with my new mailing address, but she became very rude and said that she sent it and was n't going to send it again. She also called me " uncooperative '', when I have been trying to do everything I can to figure out what is going on. She has been calling me ever since then, even at strange hours of the evening ( XXXX my time, XXXX her time ). This is all very odd, especially since I have not changed my phone number since I attended the school, so I do n't see why they never called me in the past 6-7 years if I somehow did owe them money. I have even tried calling the said school several times, but have not heard back. I work at a bank, and have heard of a few debt collection agency scams recently going on, so I know better than to just send off money to them without questioning it. So far, I have not had any proof of anything that I have signed saying I owe this school money. I am still paying XXXX XXXX for the student loan, and everything that has occurred thus far has led me to believe this is fraudulent. It also seems that XXXX has violated the Fair Debt Collection Practice Act. It would make sense to me that if I did indeed owe money to the school, they would probably contact me, and XXXX would have happily updated my address when she was on the phone with me last time ( rather than being rude and saying that she already sent the document proving I owed the debt, and that she was n't going to send it again ). Be that as it may, everything about this seems very fishy, not to mention the fact that a strange number ( XXXX ) keeps calling me, without leaving any voicemails. When I looked it up online, it is a credit management company ... and apparently in XXXX, XXXX authorities arrested XXXX people for what they said was a XXXX scam by a debt collection company that victimized more than XXXX people, and a prosecutor said a wider crackdown was underway. Scary.
Called Experian 5 times on XX/XX/2018 to have a Personal Statement/security statement/fraud alert removed from My credit file and i can never get any customer service representative to pick up the line all it does is redirect and loop you over and over and there is no option to speak with any one. I spent 2 hours calling at random times and its the same results.
I prev submitted a complaint on XX/XX/XXXX they keep calling my work number. Now its a different company. XXXX XXXX XXXX XXXX XXXX. they said I owe XXXX and they are welling to take {$1000.00} right now. I told them that I had paper work that should that I paid this off. this was take in XX/XX/XXXX I paid back XXXX in full they say I did not. they are threating me. When I told them I had paperwork they said all find and dandy but if I did not give them bank info they were going to note that I was not willing to settle and would have a sheriff to serve me. they call from XXXX XXXX XXXX
I received a {$650.00} bill on XXXX/XXXX/XXXX and a {$210.00} bill on XXXX/XXXX/XXXX from XXXX XXXX XXXX. I was unable to pay when due so they were turned over to Union Credit Corporation XXXX, GA. Union Credit Corporation opened XXXX individual collection accounts that appear on my credit report, when they should have only opened XXXX collection accounts. The debt was been paid in full on XXXX XXXX, XXXX. My Experian report dated XXXX/XXXX/XXXX still shows XXXX open collection accounts with a balance of NaN. I am attaching a copy of the XXXX bills, the pages of my credit report reflecting that XXXX collection accounts were opened and reflecting the XXXX open collection accounts. I am also attaching a complaint that I filed with XXXX XXXX XXXX on XXXX/XXXX/XXXX regarding my horrible experience with Union Credit Corporation. The complaint that I filed with XXXX XXXX XXXX should outline why I am unable to professionally deal with Union Credit Corporation. Please note that I do see XXXX complaints have been filed in the past against Union Credit Corporation with the XXXX from other consumers.
I have 2 complaints regarding Conn 's. My first complaint, is repeated phone calls starting the day my account is due through date payment is made. I may receive 10 calls, if not more in one day. I try to answer them all, and when I do there is no one on the line. I have asked the to call, leave a message and I will call back as soon as I can. However I have been told that its an automated system and there is nothing that can be done to limit calls. I am in the process of getting my call records to determine exact number of time they call me. 

Second complaint, I have a defective product I purchased. I have repeatedly asked about my options, it was not until a few days before my warranty expired they finally sent someone out to look. The repair person did not find anything wrong but " reinforced structure '' He also explained because of the type of sofa it would sink in the middle and told me to call customer service back if I was not satisfied. After being transferred back and forth, given wrong information and being persistent, now they are sending someone else out or my other option is to do a voluntary repossession, but still make the payment. I bought the sofa, for my daughter as a gift, a single person that works a full time job and is also a XXXX, and is rarely at home, so the sofa does not have a lot of wear and tear.
I contacted the lender ( One Main Financial ) to refinance my high interest rate loan ( 33 % ). I have never been late on this or any loan/debt in over 24 months. I told them my credit score had increased from the low XXXX 's since origination in 2014 to XXXX today. I was advised that would allow me to get a better rate but they would have to make a hard inquiry to verify. I told then hard inquiries negatively impact credit ratings and I did n't want to go forward if there was no opportunity for a rate reduction. I was advised that the rate reduction was possible due to my score but they had to see the report. 

Once the report was pulled I was told no rate reduction would be offered even with a score of nearly XXXX. I was only then when I was told decisions are not score based but other undisclosed factors determine the rate. I was told to get their lowest advertised rate of 14 % my score would have to be nearly XXXX. When I asked why my score of nearly XXXX did n't get me a lower rate I was then told by another associate that the main reason for not getting a lower rate was utilization on XXXX credit card was near the limit and over XXXX % on another, I was not a homeowner and I had XXXX inquiries listed. I was told my score had nothing to do with getting a lower rate. 

This is a deceptive practice and harms the consumer trying to refinance their loans. The lender caused me to negatively impact my credit rating with a hard inquiry when my credit score had no bearing on their decision even though I was lead to believe so prior to authorizing the inquiry.
I have a Chase XXXX credit card and I attempted to redeem my points for holiday air travel. The Chase XXXX XXXX, ( where one redeems points ), failed to purchase the flights as requested. By the time we ( my husband and myself ) discovered their failure, bookings were more expensive and there were fewer available flights. We called Chase XXXX XXXX at least three times and spent approximately three hours to resolve this issue. Despite the supervisors ' repeated assurance that they would call us back with information they also failed to do that. When I called Chase to register a complaint I was told there was no option other than to speak with their XXXX XXXX ( the same supervisors ) again. I plan to cancel my credit cards after more than 20 years with Chase Visa, but am writing to you in the hope that others do not experience similar treatment by the Chase XXXX XXXX. I would also like to receive the full value of my travel points as promised by Chase supervisors.
Approximately around XX/XX/2019 I started receiving phone calls from a company called Credence. A young lady greeted me and she said Credence is a debt collection company regarding XXXX XXXX XXXX XXXX and said I owed {$510.00}. I asked for what and she asked if I had cell phones and I said yes. She read all four ( 4 ) of my cell phone number 's I have with XXXX XXXX XXXX and said it's for the cell phones I have ( she also had my home address ). I told her I still have my cell phones and I have been paying XXXX XXXX XXXX monthly for them in cell phone charges, taxes etc. The young lady I was speaking to said she would transfer me to her supervisor and I explained the same thing to him. He then said ok, this is what we can do ... we will lower the balance you owe of {$510.00}. I told him that I would like to speak to XXXX XXXX XXXX and I also asked him to mail me something in writing. He said ok let me get them online and we'll do a 3 way call. He did call XXXX XXXX XXXX and it was a recording saying they will be right with us momentarily. However, we were on hold for a while so he said that they would call me back tomorrow. And I said ok. In the meantime, I called XXXX XXXX XXXX myself, I was able to get through, I spoke to a customer service representative and explained that a company was trying to say I owe {$510.00} for XXXX XXXX XXXX XXXX , XXXX XXXX XXXX checked my account and said I have a {$0.00} balance. They said that the next time I speak to Credence I can advise them to call XXXX XXXX XXXX and I agreed. The next few days Credence called my cell phone numerous times, I would answer and I didn't hear anyone on the other end, once I said hello they would hang up. This went on for a while, sometimes I would just ignore the call and would not answer. Today, XX/XX/2019 I received a call from them again, I answered and no one was on the other end. This time I called them right back and right away a man answered. He had my name, cell number and even verified my home address, I confirmed. He told me about the amount I owed and I told him that I've spoke to them a couple weeks ago and that I have even spoke to XXXX XXXX XXXX and that I do not owe {$510.00}. I explained to the man that usually when your account goes to collection that a bill would come first from the company which would be XXXX XXXX XXXX trying to collect the amount, then if I didn't pay they would send to collections. I told the man that I have not received a bill from XXXX XXXX XXXX ever for {$510.00}. And furthermore, I had contacted XXXX XXXX XXXX and they said I have a {$0.00} balance. The man continued to say that I owe XXXX XXXX XXXX XXXX. I told him that I did not have a {$510.00} balance with XXXX XXXX XXXX, I also said they should call XXXX XXXX XXXX themselves to verify I have a {$0.00} balance, I then went on to say that I still have my phones, that I pay monthly for cell phone charges and I thought that they are a fraud company and I wanted them to please remove my cell phone number from their list, because I get a call everyday from their company. The man said ok I'll remove your number from our list then and he hung up. That was the end of our conversation.
I am not positive about the exact date when this situation started but I was alerted to it on XX/XX/XXXX. I logged into my Navient account to discover that one of my signature loans had been put into deferment until XX/XX/XXXX. This action was done without my consent. I was given no notifications about this action by mail, email, phone or otherwise. I have sent Navient an email about this situation and I tried calling their customer service line today on XX/XX/XXXX but they are closed for the holidays. Their automatic phone directory did not say when they would open up again to phone calls. I couldn't find any explanation, on Navient 's website, as to why this action took place. My account claims that this action was taken because I have returned to school. This should not affect my loan status. My loans should never be tampered with, without my consent.
Security Credit Services , LLC has failed to prove correct date of XXXX Delinquency for an amount owed to the original creditor, XXXX and has been reporting the collection account on my XXXX Credit Bureau Report. Pursuant to the FCDBA Debt Vericiation must be furnished in order to report adverse account on my Credit Bureau Report and thus XXXX XXXX XXXX has also violated the FCRA. They have reported Experian with incorrect Date Of XXXX Delinquency. To my knowledge the date of XXXX Delinquency is in early XXXX and not XXXX XXXX as reported by Security Credit Services , LLC. 
I am demanding Debt Verification from XXXX XXXX XXXX and they must establish the following:1. Proof that the collection company owns the debt/or has been assigned the debt. 
2. A copy of a statement from the original creditor including the amount of the debt and complete payment history ( Established by XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 3. Copy of the original signed loan agreement or credit card application. 
If Security Credit Services , LLC can not furnish the requested Debt Verification or Correction, they must remove the collection account from my XXXX Credit Bureau Report. If they keep reporting it, they are clearly violating the FCRA guidelines and I have the right to sue Security Credit Services , LLC for {$1000.00} in damages in addition to court costs. 
XXXX Credit Reporting Agency, XXXX Credit Bureau also must provide " Method Of Verification '' of the alleged Security Credit Services , LLC account. 
XXXX and Security Credit Services, are both causing me financial harm by continuing to report the negative account incorrectly.
Complete Credit Solutions , Inc. has made repeated calls through the following numbers, which is another company : XXXX, XXXX, XXXX. The company, XXXX claims that they are calling on behalf of Complete Credit Solutions , Inc . They have called my phone multiple times, sometimes up to twice a day. I called and they said they were attempting to collect a debt with Complete Credit Solutions Inc. for something I have no idea about and I asked them to please stop calling. I have already received letters from Complete Credit Solutions Inc. The multiple phone calls day and night are harassing and disturbing, especially because I need my phone for work and get constant interruptions.
I purchase my single-family home in XXXX for XXXX. It was refinanced in XXXX ( victim of sub-prime lending practices ) loan was serviced by XXXX from XXXX in which qualified and was accepted in the ( HAMP ) program. In XXXX, XXXX XXXX  sold mortgage to XXXX XXXX XXXX ( who forgave XXXX ) of the debt through the Mortgage Debt Forgiveness Act .In XXXX XXXX sold my mortgage to Fay Servicing LLC ( who was recently sued by your agency for consumer 's protection violations. ) Fay Services arbitrarily and without notifying me in writing changed the terms of mortgage to an adjustable rate mortgage set to " balloon '' in the next few years with a mature date of XXXX. I have already invested 22 yrs. and with this loan rewrite it's like starting all over again. I'm XXXX years old and XXXX with SSI benefis as my only source of income. Can Fay Services do this? Do I have any other options? Was the HAMP program in force when it was sold by XXXX?
During time we had a tenant in our property she over flowed an upstairs toilet and it leaked all the way down to the first floor into the kitchen. our insurance contacted a contractor to do the repairs, when we regained the property after having to evict our tenant due to a diff circumstance we received an additional bill from the contractors and I emailed them a response as there was still holes in the wall above our cabinets, you could plainly see where they cut out squares in the ceiling and the texture spray was coating every fixture and something that was caustic was leaked on the island which left a large spot where the gloss and some color was removed. I emailed the company about this and they never replied and no they have a debt collector calling myself, my daughter, my husband, and all of our friends on XXXX they can see who has their phone number listed. I got a message from a friend last night at XXXX XXXX stating XXXX XXXX from United Credit and Collections XXXX XXXX XXXX XXXX XXXX MO XXXX called her. This person has our phone numbers and our home address as he has sent us notification via the mail, so he is only calling everyone we know in an attempt to shame or embarrass u and is breaching our privacy, and the privacy of friends we have on XXXX.
This collection company has been trying to collect on a debt since 2016. For an old cable bill. And calling me and saying they have a fax order to deliver to me. But do n't send it. The bill is from a old cable bill Bright house in witch sold out to XXXX XXXX. 
When i called spectrum stated that they did not want my money on this bill. And when the collecting agency and threaten me with court. and this company has been calling with all different numbers. 
And i called them and told them not to call my number they persist calling. Now they are using a privet number witch i blocked. And when the numbers show up on my caller id they say spam or fraud.
I have just read the ruling on the case of XXXX XXXX XXXX XXXX v. XXXX No. XXXX, XXXX XXXX XXXX XXXX, As Trustee for HOME EQUITY ASSET TRUST XXXX HOME EQUITY PASS-THROUGH CERTIFICATES, SERIES XXXX, Appellant, v. XXXX XXXX ; Unknown Spouse of XXXX XXXX ; XXXX XXXX XXXX, XXXX. ; XXXX XXXX XXXX Successor By Merger To XXXX XXXX XXXX XXXX XXXX, XXXX. ; UNITED STATES OF AMERICA ; Any and All Unknown Parties Claiming By, Through, Under and Against The Herein Named Individual Defendant ( s ) Who Are Not Known To Be Dead or Alive, Whether Said Unknown Parties May Claim An Interest As Spouses, Heirs, Devisees, Grantees, or Other Claimants ;Unknown Tenant # 1 ; Unknown Tenant # 2 ; Unknown Tenant # 3 ; and Unknown Tenant # 4, The Names Being Fictitious To Account For Parties In Possession, Appellee. District Court of Appeal of  Florida, XXXX District, dated XXXX XXXX, 2017. And am hereby filing this criminal complaint with the CFPB to be forwarded to the competent Attorney Generals and the FBI regarding the attached fraudulent Assignment of Deed of Trust and involvement of Caliber Home Loans and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, as alleged TRUSTEE, and the alleged XXXX TRUST, et al.
My credit report shows a collection from Ability Recovery Services that I do not owe. I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. The continuously update the account in a shady attempt to lower my credit score.
My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late  payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX  area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.
This company has marked that my account went to collections. However I paid the medical office directly, therefore the collection agency has no right to collect nor do they have a right to place a negative mark on my credit. Additionally, they have violated my rights under HIPPA by accessing my medical information to determine when I saw the physician in question and what was done for my care.
Today XXXX/XXXX/XXXX I applied for a Personal Loan through XXXX XXXX XXXX XXXX. The request was for {$12000.00} to roll all existing debt into one monthly payment over a predetermined term. When applying the Loan Officer stated that my Experian Credit Report showed a FICO of XXXX. I let her know, one XXXX XXXX that this was not the case. The FICO score I was pulling showed in the XXXX 's but that I would pull my Experian CB Report. I paid {$1.00} to have it pull on XXXX/XXXX/XXXX and my Experian CB Reporting showed a FICO of XXXX. This is a 40 pt  swing. I sent images on the pull I made to XXXXXXXXXXXX to substantiate my claim. ( Will attach email and screen shots of FICO from Experian and a copy of the {$1.00} paid on bank statement ) I was approved with a counter offer of {$4500.00} and an interest rate of 13.99 %. As I spoke with the Loan Officer XXXXXXXXXXXX I once again advised her that my CB reporting they pulled from Experian was in accurate and not up to date. Furthermore the reporting they were factoring as my " FICO, '' was in fact a pull that coincided with their own FICO reporting from XXXX that still showed on their Mobil App. ( I will include as an attachment ) The reality is when a company establishes credit worthiness with inaccurate data, this is an unfair and deceptive practice. Knowingly using inaccurate reporting to establish credit worthiness leads to high interest rates for the consumer and higher profits margins for the company. This is also unfair and deceptive practice. When I notified XXXX XXXX XXXX XXXX they did noting and basically said deal with it and passed blame into Experian. This is not an Experian problem. This is a XXXX XXXX XXXX XXXX problem. 

I believe there needs to be an audit completed into XXXX XXXX practices in pulling credit to establish credit worthiness. Additionally XXXX XXXX should be audited for the purpose of establishing how many other consumers have been impacted by inaccurate reporting which is an unfair and deceptive practice. I believe that XXXX XXXX is aware of this systemic abuse of inaccurate reporting being used and uses it to their advantage for profit. 

I felt like I was literally speaking to those that did n't care and had no answers.