WillisBack/dataset-financial-user-claim huggingface dataset:
Both XXXX along with Midland Funding LLC, are still attempting to extort money from me. Every year Midland Funding try 's the same XXXX.Every year they use XXXX of their many subsidiary companies to threaten and bully me. This year it is XXXX doing the dirty work. Allegedly I owe Midland Funding {$4200.00} dollars this year. As always neither Midland Funding nor any of their affiliates provide any legal documentation that that could be used in court to validate this fraudulent debt.
On  X/XX/2017    I made a complaint to my credit card company and they said to stop this card and they would issue new  one,   and look into the charges. I did this and nothing has ever been sent or any more communications have been sent concerning my unauthorized charges on my card for the following : ( Memo : Debit : Signature purchase from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  # CA  XXXX   XXXX  Card ending in  XXXX  {$24.00} {$390.00} and I was under the impression they were fixing this problem but it is not.   {$1500.00}  XX/XX/17    na.wargaming.net  XXXX   XXXX   XXXX    XXXX    {$1.00} {$1600.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX   XXXX  {$0.00} {$1600.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX    XXXX   {$1.00} {$1600.00}   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  {$9.00} {$1600.00}  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  {$29.00} {$1600.00}  XX/XX/17      XXXX    XXXX   XXXX   XXXX    XXXX   {$34.00} {$1600.00} ) I expected more from my card as I have been a customer for some time now. This is frustrating me as i just my money back plus on   XXXX   another purchase was unauthorized for the following (   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  # CA Posted on   XXXX   XXXX   XXXX     at   XXXX  PM Card ending  XXXX  )
This company is attempting to collect XXXX from me in which is not a valid debt. I do not owe XXXX  XXXX any money. These charges are made up and fradulent. I have spoken with them several times to remove but the landlord had refused due to a personal hate he has for me. It is wrong and against the law.
Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Experian and XXXX  to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
I have never applied for credit with XXXX XXXX. I ask that this matter is investigated and the Hard Inquiry removed from my credit file.
I am complaining about PayPal Credit, formerly known as XXXX. This company seems intent on not having me pay off my debt, and giving me credit when I do n't want it. I was just charged a {$25.00} fee on an {$89.00} bill I did not know I had. The company apparently automatically signed me up to put on PayPal Credit, anything I bought or paid for using Pay Pal. So when I thought I was paying something off immediately, at the time of purchase - I have a bank account linked to PayPal - I was actually putting stuff on PayPal Credit. There has always been something suspicious and shaky feeling about XXXX, which is now PayPal Credit. I suspect they are doing their best to put charges on this credit card like service, and then charge people late fees. Because you get no bills in the mail, it 's quite easy to do, especially when they are signing you up for it automatically.
The complaint that I have is with fstprogress. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay fstprogress. I have not received anything that I requested and it is still on my credit report from all three of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me
On XX/XX/XXXX I had 2 transactions come through for gas companys. One to XXXX and one to XXXX. This card was not used to purchase gas on that day and there is no way my vehicle can hold {$190.00} of gas in a day. The other issue is that I live in XXXX XXXX and these purchases were made in XXXX XXXX where I do not go nor live. 

I have disputed these and they were denied by American Wxpress Serve. I then escalated these disputes. Over the phone they were extremely unhelpful where I had to call 18 times over a 3 day spread to get these disputes escalated. These are fraud charges where I have proof and I can not get any real assistance with the company.
I filed a medical bankruptcy after talking to XXXX different XXXX and was advised by them all that a bankruptcy was my only option. First of all my attorney failed to notify me that I had a lean put on my home. Then when I sold my home I ended up paying a settlement that I have documents that show the debt was discharged in bankruptcy. My lawyer, XXXX XXXX XXXX Colorado, is claiming it was my responsibility to know that I had a lean. I was told by them, after they had taken my money, not to worry about anything they would take care of it all so how was I suppose to know. The lawyer in my closing said that Credit Systems XXXX Colorado is collecting on a dept that was discharged in the bankruptcy and therefore illegal because there is no debt to collect. I could n't wait the 6-8 weeks to reopen the case and get a judge to drop the judgment so I had to pay the amount. Called XXXX parties and getting the run around from them XXXX. Want to know if there is any recourse in this matter.
I contacted Barclays on XX/XX/2017 ( payment due date ), immediately after I got out of work. I tried to make a payment earlier this day online but I had to add a new bank account and was n't able to do it on the mobile app. I was able to add the new bank account online however when I tried to submit the payment I was not able to online because it said it was after XXXX. I called Barclays at XXXX XXXX. XXXX mins after getting out of work. I was greeted by a rude agent. I told him the problems I was having online while trying to submit the payment he was not helpful at all. I felt like I had to drill answers out him whenever I asked questions. I asked if there would be a late fee and he advised me since its after XXXX there would be. I asked if they could waive it as I am literally 17 mins late. He told me because I had been late before they could not. I 'm looking at my payment history and do n't see where I have been late and of course since he was not helpful at all he did not advise when they had previously waived a late payment. Horrible customer service in my opinion and I work in customer service.
XXXX XXXX has refused to remove a bogus address, possibly related to ID theft.

I have disputed this multiple times I have never been to New York I don't want to go to New York THIS IS NOT NOR HAS IT EVER BEEN MY ADDRESS, EVER!

Address XXXX XXXX XXXX XXXX, NY XXXX I SUSPECT ID THEFT.
HOME OWNER 'S LOAN I was unaware the Bank of America had place a lean on my property when I borrowed against my loan in XXXX of XXXX. In XXXX XXXX " Variable rate snapshot '' identified : " New outstanding variable balance of {$25.00} due on XXXX XXXX XXXX. 
I had to call them to find out the reason. It was a lean release charge for a loan in XXXX XXXX! 
It was never explained to me that a loan was required. It is probably somewhere in the fine print of the loan documents. 
The bank did not notify me the lean was placed nor did they notify me it was released. 
And I had my business and personal accounts with them. Both had balances well over the loan amount. I have a " Platinum honors '' account status with the bank. 
Not only is this poor business practice, it is SENIOR ABUSE. I was XXXX in XXXX and now am XXXX. How am I suppose to know this? This is the only loan I 've ever had other than a home mortgage which is long ago paid off. 
I called the bank twice and the refused to waive the charge. 
Will you please help me? XXXX
XXXX account closed in XX/XX/XXXX due to receiving military XXXX, and equipment was returned in XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX {$150.00} was paid to cover final bill. Around XX/XX/XXXX SW CREDIT SYSTEMS placed a collections on my credit report for {$140.00}. Phone call was made to XXXX about the collections on the credit report, and they were unable to find a final bill or provide me with details regarding the {$140.00}. The SW Credit Systems were also unable to help and/or find out where this charge came from. The only explanation that the XXXX representative could give me was it could potentially be for an early termination fee, which again she could not prove. Since I am XXXX XXXX military and was on orders to move at that time, I would not be responsible for any early termination fees under the SCRA. I filed a dispute with XXXX  multiple times, however, it was unsuccessful, and I still have not been able to receive proof of the charge. It is also not right that I received a collection notice two years after the account closed, and was not given any correspondence previous to XX/XX/XXXX. Had it not been on my credit report, I would have never known about the unknown debt in collections.
I got phone calls stating that I need to call ASAP Today about a debt. I could barely hear most of the message but an authority voice telling me to call. I am XXXX XXXX XXXX as my husband is also a XXXX vet. We do not need this. We are paying our debts and closed and are paying on what we could not. I also have a cease communication order on every debt collector from these harassment calls and we get them anyway.
I was in a Chapter XXXX bankruptcy that was XXXX in XXXX of XXXX. A few months later I started receiving collection letters about student loans. I spent hours on the phone trying to sort it out since I had n't received any other notification from any of them. XXXX XXXX XXXX did not want to give me the information regarding the lender and said I had to work with them. I tried contacting chase to get it squared away and thought I had it set up on deferment. In XXXX I got a letter from XXXX and XXXX XXXX offices stating I was being sent to collections. The man on the phone was very rude and I asked multiple times for the information for the company that had the loan and what exactly it was for. I said that I had already worked with the lender and he said that I had to set up payments. He had me concerned that I would have my wages garnished so I started trying to negotiate with him and when I told him there was no way I could afford those payments he got even more pushy. I told him I was at work and could n't do this at the time. I have since received a couple other calls and a letter from an attorney stating a suit has been filed against me and they would like to represent me. I have yet to receive anything about this suit and ca n't seem to get in touch with anyone that will help me. 

The amount on the letter is {$10000.00} and the letter from the law firm is dated XXXX/XXXX/XXXX. 

Letter came in my former name of XXXX. 

I do not find it fair that I did n't get any notification until an attorney is involved.
There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only TransUnion but as well as XXXX, and Equifax.
Since XXXX XXXX, i have had trouble trying to get my payments back on income base. I am a single parent/ single income. I have been trying to find the application on the website and it took me for a loop. I filled out an application/ got approved for income base 4 yrs ago. The application was accessible, plus customer service was available. It was set up differently when i tried to apply again in XXXX of XXXX. Now i am backed up on my payments because i can not afford the monthly payments now.
On or about XX/XX/XXXX I was informed of negative information reported by the XXXX Federal Court-XXXX in  my file that Equifax XXXX XXXX Maintain. Upon receiving this information, I immediately sent a letter to Equifax challenging the accuracy, compliance and reportability of the listing. Equifax XXXX XXXX never responded to nor sent any documentation associated with this account, bearing my signature. Therefore I sent another letter on XX/XX/XXXX as a follow up to my original letter dated XX/XX/XXXX regarding the entry being reported under XXXX Federal Court- XXXX XXXX In this letter I stated that they were in violation of federal law by not replying to the first letter in a timely matter and that they also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. In response to the follow up letter, Equifax sent results of the dispute after not responding to the very first letter. The problem I have with this, is the agency they have listed as being the agency the information was verified through, is XXXX XXXX XXXX XXXX. In the month of XX/XX/XXXX, I had my files frozen and suppressed by XXXX XXXX per my request and received confirmation in the mail on XX/XX/XXXX of doing so. Upon receiving the results from Equifax XXXX XXXX, I was puzzled on how they obtain information on frozen and suppressed files, so I telephoned XXXX XXXX XXXX and was told, no agency called to request information on my files and that my files were frozen and suppressed.I have a serious problem with companies that blatantly lie and blow me off, because they can not prove accuracy. This is the reason why I am filing the complaint. I have included attachments as proof. Thank you
Hello my name is XXXX XXXX and my complaint is against Best Buy/Citi Bank in regards to a Best Buy Visa Credit Card that I had applied for in the beginning of XX/XX/2018. I had made my first few purchases. And then I went to make a purchase a few weeks after that and my card wouldn't work. So I decided to give them a call and inform them that my card has been locked. They told me that my phone number didn't match up to the phone number they had for me on file. They said to wait for a reference number to arrive in the mail in 7 to 10 business days. The letter didn't show up for about 30 days. After I had read the paper and I wrote down the reference number I called Best Buy to give them that number and they said we're sorry to inform you that our verification process changes from time to time and that my account can't be verified. Then I happen to to notice charges on my Best Buy account that weren't made by me and so I called to dispute those unauthorized transactions.The representative I I had talked to decided too dispute all of the purchases instead of the ones I had told him to dispute which in turn prolonged the process. He then decided to cancel that card and issue me a new one. They said to wait another 7 to 10 days for another reference number. When that reference number arrived they said the same thing and it just repeated itself for two months or so. I have most of my current documents that I received from Best Buy along with personal notes that I had wrote along the process that I am going to upload to you guys. If you look really carefully at the account statements they sent me you can clearly tell that it's not accurate something is obviously wrong. This experience made of great impact on my life in a negative manner causing me a lot of XXXX & XXXX which is unacceptable to me and it's not fair. I would like to add that during this time they said that this has never happened to anybody before that they know of and it ended up happening to my girlfriend also but she didn't have any unauthorized transactions. I could go on and on about how this made me feel and provide great detail but that would take forever along with how confusing and complex this has been. I'm gon na provide all of the documents in relation to this complaint to the best of my ability along with a few personal notes I had written during this mess. Thank You.
The credit reporting agency, has reported information without verifying my signature with a original copy, I have filed a 609 with Equifax, and they are in disregards of the law.
XXXX XXXX, 2017 ATTENTION : FINANCIAL CONSUMER PROTECTION BUREAU First Associates U.S. Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : [ ACCT # XXXX ] ATTN : First Associates U.S Education Loan Servicing department LOAN DISCHARGE APPLICATION : SCHOOL CLOSURE XXXX : XXXX XXXX XXXX OF XXXX, TN Dear FIRST ASSOCIATES & FCPB, First and foremost, I would like to bring attention to an interaction on XX/XX/XXXX where a concern was placed regarding potential forgiveness on the aforementioned account. I was met with a very unprofessional response from XXXX who told me, You can let it go to collections if you want. Whether you pay this or not, it is business as usual. This was an unnecessary comment. Not only have I been paying my minimum, I have been paying more than the minimum on my loan for over a year. I have never been late on a payment. 
Secondly, I have been subject to a chain of predatory student lending. XXXX XXXX set up a business plan that pressured students into taking out high-cost private loans. Their method was to use in-house credit to meet gaps between the cost of tuition and the maximum federal student loan disbursement. 
In conjunction with unsatisfactory education, educators, equipment, and communication, I am requesting full acquittal of the account. 

Education was poor quality and was limited to partial demonstration of real world application. 
The educators were not equipped to teach the classes they were teaching for in majority cases. 
Equipment was outdated, running on older systems, including the need to save files to previous versions so compatibility issues did not occur. 
The institution promised a continuing education in game design upon completion of the XXXX XXXX program. Less than one month prior to the completion of the XXXX program, I was informed the school was no longer continuing that academic direction and dropped the classes they prepared me for. There were no alternative options provided to me for that academic plan of study.
Transunion improperly re-inserted inquiries back on my credit file without following the proper procedures mandated by the Fair Credit Reporting Act.. 

THE FOLLOWING INQUIRIES ARE REPORTING IN ERROR AND NEED TO BE REMOVED IMMEDIATELY. 

1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX- XXXX/XXXX/XXXX 11. XXXX ( XXXX ) XXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Under the public records sections of the consumer credit report, an item is listed without the status or resolution of that item being listed which has been resolved. The item is a state issued tax lien which has been paid in full in addition to being released.
this account was never late and was paid in full has of XX/XX/XXXX XXXX XXXX CRE Account Number XXXX Account Type loan Terms M XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$350.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address P O BOX XXXX, XXXX XXXX, XXXX, VA XXXX XXXX XXXX Account Original Creditor - Company Sold-to - Original Amount - Comments -
The BAY AREA CREDIT SERVICE offered me a pay now at a discount offer last year. I paid the discounted price that day. They have now sent a number of bills for the remainder ( discounted ) amount. They were contacted by phone as well as mailed and emailed a copy of the discount agreement. We asked them to mark this as paid in full and to send a receipt within 60 days. It has now been 120 days and I have just received yet another bill.
I unfortunately consolidated all my students loans with XXXX XXXX XXXX now Navient. On XX/XX/2016, I called the company to confirm that my student loans were amortized. I needed this information for a home mortgage. The customer service representative gave some ambiguous answer and agreed to send a letter for my home mortgage. The documents sent by Navient failed to prove that the loans were amortized. I called the company on XX/XX/XXXX and finally the customer service person indicated it was not a amortized loan. I need to refinance this loan after closing on my house. Because the student loans were amortized, I am having to pay anoth {$6800.00} to {$7200.00} at closing.
I HAVE XXXX JUDGEMENTS ON MY CREDIT REPORT FROM 1998. I DO NOT RECALL THESE CREDITORS NOR DID I KNOW I HAD THEM ON MY REPORT UNTIL I APPLIED FOR A MORTGAGE AND WAS FORCED TO MAKE PAYMENT ARRANGEMENTS WITH THESE ATTORNEYS/DEBT COLLECTORS. ITS BEEN 20 YEARS SINCE I RECIEVED A SUPEANA AND I DID REPLY TO JUDGEMENT AND NOT HEARD NOTHING. I WAS TOLD IF I COULD PROVE THIS ISNT MY DEBT I WOULDNT HAVE TO PAY IT. I DONT RECALL THIS IS FROM 1998. WHAT CAN I DO?
I had two negative debits in 2016 while going though a divorce. I paid both with settlement offers. One debit for XXXX XXXX bank act # XXXX original amout owed {$3700.00} gave me a 1099 for the amount not paid in the settlement which was claimed on my taxes as income earned. I also had a XXXX XXXX debit act ending in # XXXX original amount owed {$2300.00} settled with a collection agency Professional Bureau of Collections of Maryland , Inc . 
Now a company called XXXX XXXX XXXX. XXXX shows both as negative on my credit. I have reached out to them with proof of payments either with the 1099 and with the letter from Professional Bureau of Collections of MD Inc with the settlement offer, cleared check and letter from them stating that the debit was settled per agreement and closed. 
XXXX XXXX responds that they will not remove these from my credit and they want to make payment arrangements with them. I would like these removed from my credit since I paid them in 2016 in agreements with other companies. I can submit proof.
I have a parent plus loan originally through XXXX XXXX and Navient took over my loan and they keep doing forbearance on them with is costing more in interest instead of giving me a repayment plan. XXXXXXXXXXXX