WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke with a woman named " XXXX '' at a company she told me was called XXXX, and that I owed a debt to XXXX for a breach of contract for {$730.00}. She claimed I needed to either make a restitution payment on my alleged debt today, or I would be immediately served with a court notice. She absolutely refused to provide me with any paperwork or proof that I owe the alleged sum. She said that would be provided when I went to court. I asked for some additional time to make the decision so I could consult my attorney. She refused. She said they were n't a collection agency, but a mediation firm and if I did not make the restitution payment, I was automatically selecting to go to court, which could result in paying higher fees. For the entire call, she took an incredibly disrespectful, condescending tone. I asked her for information that she refused to provide. I begged her to transfer me to someone who could be civil and respectful. I asked her REPEATEDLY to transfer me and she said " the outcome will be the same '' - I told her I did n't care, I just wanted someone who could be respectful. I asked her several times to stop being rude, and she denied that she was, and she referred several times to the fact that I was crying. When I asked for the final time to transfer me to another person, she said " hold on, let me tell them I have a crier on the phone. '' I was placed on hold. Her parting words before transferring me were, " good luck in court, XXXX XXXX XXXX. " Come to find out, after the initial restitution payment was made and I received the receipt via e-mail, the company is NOT called " XXXX '' but American Credit Resolution , Inc. So she misrepresented where she was calling from, and probably her name as well. She refused to provide me with a last name. She said she was the only XXXX there.
ECOA, enacted in 1974, prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, source of income or whether a person exercises rights granted under the Consumer Credit Protection Act for any credit transaction and through the life of the loan. Each time I have applied I have been denied and I believe it to be discrimination because of my last name ( a part of my heritage ). I find this game AMEX plays funny and unjust.
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX  XXXX
I applied for an account with Bank of the West in XXXX 2015 they approved me and never sent me the card for six months they made an error with my name on the card. The introductory APR had expired and I had to call and request that be reinstated. I had my payments on auto draft and they stated one of the payments was not enough to cover the monthly payment so they had sent the account to collections. After I called they acknowledged that it was a bank error and credited the fees since that time I paid the account off in full. I started back using the card in XX/XX/XXXX made my first payment and then was ONE business day late on my XX/XX/XXXX payment and they closed the account. I never received a call or any kind of warning just a letter stating the account was closed due to delinquency it was reported on my credit report that the account has been closed by the guarantor which impacts my credit score. I would like my account reopen and my credit report updated to reflect that account is current and I will be paying the full balance. The standard practice should not be to close a consumers account as a result of them being one day late on a payment that is not fair.
I took a loan out with Speedy cash for XXXX and I was told my payment was about XXXX a month and when I log into my account it shows this payment amount not due until XXXX, however I had to go to my credit union because they have pulled 3 payments for the month of XXXX and have tried several attempts to keep drafting payments in XXXX when on my account it states I am not due for a payment until XX/XX/XXXX. I have placed a dispute and a stop payment with my financial institution and have requested Speedy cash send me a balance bill being as I have no longer authorized them to pull from my checking account. The payments they pulled incorrectly caused me overdrafts fees from my financial institution as well. They have no actual location in the state I live in and it is nearly impossible to get in touch with someone to resolve the matter. I have not received the balance bill or even a call back in regards to my situation. I do not feel as though this company should be allowed to pull from my account when a payment is not due and was not authorized. They changed the payment amount from XXXX to XXXX for XXXX just to try and have it go through. I have already placed a stop payment on my account for any future transactions they try to do.
On XX/XX/2017 I submitted an online dispute with TransUnion and XXXX concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ),  instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. My county courthouse does not provide this information and neither does the NC Department of Revenue, but Transunion and XXXX employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to provide a written statement to the contrary. They do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both TRANSUNION AND XXXX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!
I have been disputing an account with XXXX XXXX for over three months. When I call they say that they have sent information to XXXX to stop reporting. I have found that as of XX/XX/XXXX, the identity theft accounts are still reporting. 

I have also disputed the account with National Credit Systems. They asked that I submit an Identity Theft Affidavit, which I have three times and they send me a notice saying they have not received the affidavit. I even sent it as an attachment to my last XXXX complaint. When I called they said to send the forms that they request, but they would send those forms to me in the mail. When the mail arrived, it was the same FTC affidavit documents that I already submitted. I am to the point of contacting an attorney because they have hurt me so-much-so that I have been denied for credit with XXXX. XXXX has listed both of these companies as the reason for me being denied. 

THESE ARE FRAUDULENT ACCOUNTS.
Unknown account appeared on my XXXX credit report XXXX of XXXX under the name of XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX - ( XXXX ) XXXX, claiming a balance is due of {$870.00}. Several members of my family have received phone calls at all hours of the day from various numbers claiming a lawsuit has been filed XXXX times a day, even after being asked to be remove their number. The numbers are randomly generated and you can not contact them back. Mountain Lion Acquisition is the same company as XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX. My elderly father received a phone call informing him that someone would be coming to his home address to serve him papers and that he needed to be present to sign. The caller informed him that an amount of {$3400.00} is due and that the amount would increase upon court fees. I received a letter that stated they wanted my report with an emphasis on employment status and lawsuit worthiness from XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX. I have never received validation and have filed complaints on XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA and have never heard back. Now they are reporting incorrect information to XXXX to damage my credit report. Violation under the Fair Credit Reporting Act ( FCRA )
I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : XXXX XXXX Inquiry : XXXX I never authorized XXXX  XXXX nor XXXX to pull my credit in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.
The company offering the Loan is LoanME inc. I entered into an agreement with them XX/XX/XXXX, after making a payment in XX/XX/XXXX I was unable to pay for the payment in XX/XX/XXXX due to losing client business. I restructured the loan in XX/XX/XXXX to lower payments and entered new terms. The company continues to report on the old terms to XXXX but had marked payment in XXXX XXXX and In XXXX XXXX as current. 

I unfortunately missed another payment XX/XX/XXXX, and had to renegotiate the terms again ( this company offers interest rate over 100 % for life of your loan and much higher if you take loan to term ). 

When I missed the XX/XX/XXXX payment, the company advised me that they were now going to reverse the " current payments '' XX/XX/XXXX and XXXX XXXX as missed. They suggested they are allowed to do this bases on there legal contract. The company now has marked my credit 30 days late in XX/XX/XXXX, 30 days late in XX/XX/XXXX even though I made the agreed upon payment, 60 days late in XX/XX/XXXX even though I made they agreed upon payment, and 90 days late in XX/XX/XXXX. ( payment was only 30 days late ) The company practices extremely deceitful and unfair credit reporting on XXXX and takes away your on time payments even though I paid them on time on there new agreed upon terms. This company should not be allowed to report to a credit bureau and is not looking out for the best interest of the consumer and practices unfair and deceitful credit reporting.
ncb managment service report to credit report burea they told me they will not but they did to destroy my everything want to deleted ncb managment service from credit report and take legal action to stop collections communications, i have to do what ncb managment serivce told me to do,
I spent about an hour on the phone with XXXX  trying to clear a fraudulent issue. Though I gave them complete and accurate answers, they said they can not verifiy who I am. I asked to speak with a supervisor and was transferred to XXXX, Employee number XXXX. He would not transfer me to his supervisor, saying he doesnt have one. Additionally, I asked to speak to someone in their XXXX, GA office for two reasons. First, I have a hard time understanding their representatives that dont speak English as their first language. Second, I needed to speak to someone concerning the fraud issue. He would not give me a number in the United States, or transfer me to their corporate office.
I am trying to get united credit and collection to validate this account belongs to me. I have no contract with this creditor and have not recieved paper work validating this is my accounts. I have no knowledge of this inaccurate account reporting on my credit report.
Hi I had make a complaint in XX/XX/2018, i apply for a private loan forgiviness from Navient company, for reason that this school had closed, and I would not be able to finish LVN program, i had to paid a loan for XXXX dollars and I need my money back, i do not get response last time that I make complaint.Thank you
We are being billed for an " inspection '' of our property. We were never informed that an inspection took place nor have we seen any such report nor were we notified that any inspection was necessary. The fee was added on to our loan statement. We have been told he inspection was done XX/XX/XXXX and was due to the hurricane in XXXX XXXX where the property is located.. The amount is {$16.00}. We have asked for copies of the report and what company did this inspection. That information has not yet been provided. There was no flooding or damage to our property and this was totally unnecessary if in fact there ever was any inspection.
Several years ago, I got behind in my HOA on my property. The  HOA s ent my debt to a collection company, cal l SBS lien Services. I rec eived a payment plan. Last year I got behind by 45 days due to my business being slow. I asked for a meeting with the  HOA and they never resolved the problem. I made sure I paid the monthly HOA because the Davis Sterling act states that legally the HOA has to accept my c urrent payment. Last month my father passed away and I was involved in his passing and his funeral expenses. At the time of me staying at the Rest home with my father the  HOA 's collec tion company sent me a letter on  XXXX   XXXX , which I received on  XXXX   XXXX  asking for {$5500.00} by  XXXX / XXXX / XXXX  only giving me 4 days to come up with money I did not have after paying for funeral costs ( I have the death certificate to prove it ). In the letter they wanted {$5500.00}. I did not even get the letter until  XXXX / XXXX / XXXX , and I was paying my curren t HOA. The HOA did not give me a chance to make payments. the cost seem to sky rocket even though I was paying the {$200.00} current fees. The collection company sent my file directly to a Trust Deed sale, with out a current notice of Default. The lien service last file of notice of defau lt was in  XXXX , with the last notice of trust Deed sale in  XXXX , and a release of the les pendance in  XXXX . I feel since I was making the payment and paying extra t he HOA should be advised to allow me to have a payment plan and remove all the additional fees they added for the trust deed sale without a current notice of default. SBS Lien services did not give me enough time to even come up with the lump sum. In addition the HOA wa s not advised correctly as I have a modification on the home on the loan at $  XXXX  and the value is only  XXXX  Th e HOA will owe more on the home than it is worth which means they were not explained the circumstances by their property manager who is not following the Davis-Sterling Act or the collections company. I do not want to los e my property, yet t he offer too me was unfair only giving me 2 days to come up with {$5500.00} and not the Trust Deed sale is requsting over {$7500.00}, {$2000.00} more. I sent them all the money I have {$3000.00} and all I am asking for is a fair payment and not a foreclosure. SBS c ontact is  XXXX . I was never contacted by phone, nor was I invited to a meeting with  the HOA, PLEASE  HELP ME..
BancorpSouth changes the order that debits post to accounts up to 4 day after they show up on online banking. Like I make several debit on Friday, the a large auto draft comes out on Monday that causes an overdraft. BancorpSouth will take the small debit that posted Friday, change the dates to Monday and post them after the large auto draft. So they not only hit me with an overdraft charge for the large debit, which i have no problem with. I owe that one, it 's the overdraft charges for the small debits made on Friday that they changed the dates on so they could maximize the number of overdraft charges that I have a problem with. This is not the first time this has happened. They have done this before and from what i am reading on the internet, this common practice for them. I 'm not asking for the fair overdraft charges back, but i want the fraudulent overdraft charges back with a letter of apology, and I want the same thing for everyone else that BancorpSouth has ripped off
I placed a call to equifax and  XXXX   In reg ards to an collection account from enhanced reporting corporation in the amount of {$360.00}. I received documention from the creditor that the account would be removed from my credit report and The credit reporting agencies were also provided with this document of removal from the creditor. I submitted this document to Equifax and  XXXX  they confirmed they received it but refused to remove it from my report ( this was on  XXXX   XXXX     2017  ).
I learned looking at my recent credit report from Equifax that an account that had been deleted off of credit file as reappeared. I received no notice from Equifax stating that this account would be placed back on my file. This account was disputed in 2017 and was removed in 2017. The account from XXXX XXXX and XXXX XXXX was removed then reappeared without anything being sent to me is against the law. This happened when I called Equifax. They had two accounts for me then they combined them and now it separate again. I would also like that to be fixed as well.
Potential sensitive information security breach has occurred in Mercedes-Benz Financial Services ( MBFS ) as I received statements from other MBFS customers and able to open and view those statements which contains details including name, address, account numbers, loan balance, payment due, VIN, car description, etc. I now have access to at least XXXX other customers as each month they sent me statements for different customers
I mailed my XXXX car payment in as usual in XXXX. Per SantanderXXXX XXXX 's website they received my car payment on XXXX XXXX. 
Now, as of Sunday XXXX XXXX, they do not have the payment. I called onSunday and they were closed so I called Monday and started an issueticket. First, I was told they did not have my payment. Then, they did butit was returned. Then, they said the date must have been wrong ( XXXX ). Then, they said there was a stop payment on the check. All of theseare false, which I explained to them. I would have had to put the stoppayment, which I did not. A return would have shown through myaccount. It has not and the money has been sitting there the entire time. 
I called my bank to double verify this and they said nothing has evenbeen submitted for payment to them. I called Santander back and toldthem and they ca n't seem to find anything to provide to me to back uptheir claims. They are now claiming a stop payment. No one can tell mewhere my check is and now my acct is showing late and with late fees. Iwant my check found and the fees reversed. My main concern is mycredit. I do not want this reported as late when I paid it on time. I found it odd that my check had not been cashed as quickly as usual, but whenthe website showed it as received, I assumed the XXXX holiday had putthem behind and it would come through sometime soon. I just want mycheck cashed and my acct restored. Please help me as myself and myhusband have tried to work with them and they do not seem to beworking very hard to resolve this. 

Thank you in advance for your help. 
XXXX XXXX
Basically, NATIONSTAR MORTGAGE continually raises my monthly payment by spending my escrow monies on fraudulent insurance policies which I have no need. The mortgage on the condo that I have owned for 16 years was recently reassigned to NATIONSTAR. I have been assessed fees and increases under the guise of " needed insurance ''. I have never let my property insurance expire since day one. Have annually supplied a copy of the condo master policy with flood insurance coverage and my " wall to wall interior '' policy to NATIONSTAR. Recently I refused another increase and forwarded my regular monthly payment, without their bogus increase, only to be advised that they were not going to apply this to my account. I now get threatening letters that they are going to report me to the credit bureaus for nonpayment. I am XXXX plus years old with a 820 credit rating that I value and do n't need to be threatened by these buffoons. 
I have tried, unsuccessfully, to settle these issues with letters, documents, and phone calls. 
I could go on and on. I have evidence to support my complaint. 
You would be doing the public a service if you could put this company out of business so others wo n't be harmed. 
Thank you.
Pinnacle Credit Services placed {$2100.00} against me on my credit reports stating that the original creditor is XXXX XXXX. This is listed on my CR 's with all XXXX credit bureau 's. I called Pinnacle Credit Services and I asked to speak to a manager on several occasions. The last time I called today they transferred me to a disconnected number, and hung up. I called again only to be told that nobody there would speak to me and that I had to pay the debt or I would be arrested and was told they do not have to provide me proof since they bought the debt. I called XXXX XXXX and they told me that they can not find any information, and that I had to speak with Pinnacle Credit Services. I do not owe a debt too XXXX XXXX nor Pinnacle Credit Services. This was placed on my Credit reports in XXXX of 2012. Every month this reports and makes it impossible for me to go forward financially. I receive numerous calls from Pinnacle only for them to hang up as soon as I say hello. I only know its them because I XXXX the calling phone numbers. I now have them blocked from calling me because now it 's also harassment with no communication. I filed a dispute today with the Minnesota XXXX. I have also disputed this debt with the Credit Bureau 's.
On XX/XX/2018 I went to a Toyota dealer to purchase a used car with a low APR. The entire negotiations over price included me requesting a low APR. The dealer and I agreed on a price and before the dealer would allow me to read the contract I was required to pay {$4000.00} deposit. I used my credit card, and the {$4000.00} was charged, then the time was spent switching the plates and registration from my old vehicle and then securing insurance. Finally after hours of negotiating, paying, transferring plates, etc. the dealer finally printed out the Retail Installment contract. I did note that the interest rate was 7.14 % instead of a low APR and I immediately protested. The dealers said that my credit was not worthy enough for the lower APR and that it was too late, I had already paid the {$4000.00} and there was nothing that I could do. There is no reason that I should not have qualified for the advertised lower APR. I should have been told the interest rate was going to be 7.14 % before they took {$4000.00} from me. I felt scammed and angry.