WillisBack/dataset-financial-user-claim huggingface dataset:
OnXX/XX/XXXXI spoke with American Express about the debt in question. I let them know I was going through financial hardship and wanted to setup a payment plan. I was told about the details of the payment plan and the amount necessary to begin it. I did not have the full amount of money available at that time, and told them I would contact them no later than XX/XX/XXXX to setup the payment. They told me that was fine and that the looked forward to hearing back from me.

Next, I received a phone call on MondayXX/XX/XXXX from XXXX who said she was representing XXXX at XXXX telling me that she was contacting me about a debt and to call her back at ext. XXXX. On WednesdayXX/XX/XXXX my brother called me informing me that someone from XXXX called him about me. I did not have time within those 48 hours to contact them back and did so today.

I asked to speak directly to XXXX who spoke to me originally and was told she was unavailable. At that point, I asked to speak to a supervisor and XXXX XXXX ( sp ) came on the phone. I informed XXXX about my contact with American Express regarding the payment plan to which he told me that was past the due date. Additionally, I requested that XXXX no longer contact family members about this debt since they had my direct contact information. He asked for the phone number I wanted not to be called to which I did not want to disclose. At that point, he asked for the number best to reach me while cutting me off on the phone. When I requested that he be respectful to me as I was to him, his response was to tell me to call them back when I'd like to speak about the debt. I did not have time to give him my phone number as he continued to cut me off. At this point in time, I asked to speak to his manager. He forwarded me to someone's voicemail.

Additionally, I asked for him to send me a validation of the debt in writing. He did not acknowledge this request.I do not know if this debt is valid and could not get them to agree to cease contacting family members when they had valid contact information for me.

I do have a recording of this conversation and let XXXX know before starting the conversation that he was being recorded.
I have been disputing a portion of a charge with Bank of America on purchase of {$190.00} for the past month with no success. I have advised Bank of America on numerous times that I have not received or singed a receipt from the merchant on this transaction and I only remember spending about {$79.00}. Bank of America refused to ask the merchant to produce a signed receipt for the charge and credit the unauthorized amount back to my account. I think bank of America is in violation of my billing rights under Reg Z
Every year since I had discharged my bankruptcy in XX/XX/XXXX I receive calls from yet another collection firm trying to collect on debt from XXXX XXXX XXXX regardless of the fact that they were included in my bankruptcy. 
The calls started again at my place of business and on my cell phone XXXX/XXXX/XXXX and have happened at least once a day with an automated message being left on my voicemail despite my attempts to complain to the donotcall registry. 
I finally called them back today at XXXX and XXXX XXXX told me she was with First Recovery Associates and she was with an " arbitration firm '' attempting to collect on a debt from XXXX XXXX XXXX in the amount of {$400.00}. She said I would soon be served and when I told her that she is the XXXX company that has bought this debt and that it was included in my bankruptcy which discharged XX/XX/XXXX and would she like my lawyer 's phone number she said she did n't and that she would just take the file to litigation, then hung up on me.
Actually my issue is not listed on your drop-down boxes. For the pas t four p lus years I have frequently used credit monitoring services, including Equifax direct credit monitoring. I was very  ill  XX/XX/XXXX to  XX/XX/XXXX .   Do to medical bills and lost wages, I had major credit issues. I worked hard with my creditors to resolve my issues. I have also used several credit repair services to help me correct true mistakes. This cost me hundreds of dollars, I also had to contact attorney over  two o f my creditors. Recently when I tried to pull my credit from Equifax which is part of my Equifax monitoring service my file was extremely off and confusing. It had information that was not correct and none of my credit cards, lines of credit, Car loans, or current addresses were on the file. I was completely baffled and I call In multiple times. I was told by a gentleman and I use the term loosely, that I had inconveniences on my credit report. I asked him did he mean inconsistencies I was confused. I spent hours on the phone only to find out if there was a second file attached to me somehow. I 've called into Equifax multiple times trying to get them to close this extra file or at least distance it from my correct file. They stated that they were going to merge my file and I said absolutely not I did not know about the things that are on this file and many things are wrong. Currently I ca n't pull my credit file at all even though I 'm paying {$17.00} a month to be able to pull my credit report daily. They said they would eventually mail me something. This is unacceptable I 'm trying to purchase a condo in the next couple of months, I am currently living with family members in a supposed to be short term arrangement. I 'm sorry that they made a mistake, and I 'm sorry that they have some sort of data integrity issue. However none of that is my problem! I 've consistently given  Correct information when applying for loans, credit cards, lines of credit and for any credit! I have had my current mailing address for more than three years. The lack of assistance and accountability from Equifax is infuriating. Although I 've been able to pull my correct file for more than two years,  and I pay them with a credit card that is in my name only, they now want me to prove who I am? Are you freaking kidding me, they make a mistake and somehow it is my responsibility to fix it! This needs to be resolved immediately. I do thank you for your assistance I know you have a tough job, and I know there are many people that are frustrated ... .so I thank you in advance for any assistance are able to give me. I just feel so lost right now.  <P/> **I do have a long list of names of the people I spoke with.. from  XXXX  to  XXXX  and no  one he lped fix this issue.
To whom it may concern ; I am a first time home buyer. XX/XX/XXXX purchase XXXX XXXX XXXX XXXX NY. It was a shortsale through Wells Fargo. Two day 's before I went into closing the above mentioned residence was burglarized, copper pipes were removed and boiler destroyed, disabling the required heating system. The Wells Fargo representative suggested following through with the closing. The agreed proposition was the home owner was to file insuranc claim with allstate, we would proceed with the closing, then I was to pay out of pocket for the repairs. Upon completion of repairs I would send the receipts of completed work from contractors to wells fargo, which I have done ( with email confirmation from my attorney to sellers attorney ). After wells fargo received receipts of repairs they would then send a rep.to inspect and then endors allstate insurance claim moneys to myself. 
My attorney, my father and myself have exhaustively tried to contact Wells Fargo, with no response. Then to find out through sellers attorney that wells fargo jow does not feel the need to endors this insurance check, and they will use this money to recover loses. In wells fargo affidavid it states that selling bank can not with hold information from the lending bank which would decrease the value of the property. I have done everything Wells Fargo, sellers attorney and my attorney have requested. I have spoken with allstate and they informed me that these moneys can only be used to make repairs specific to that claim. These repairs were made almost 11months ago and XXXX sent a letter for wells fargo to respond in 30 days from XXXX/XXXX/XXXX. Please advise
On XXXX XXXX XXXX when you went online banking a message came up that online banking will be closed until XXXX XXXX at XXXX XXXX since that day i have a few Business accounts with apple bank which i can not get login access and I 've been to the local branch like 10 times to get a date for getting access and i was told that  it takes max 2 weeks, the frustration not having access is unexplained in XXXX to wait for online access so long is unheard off, its close to 3 weeks now and still no date for getting access please help me
All of the medical bills on collection should have been paid off by XXXX. I have XXXX and because of my low income, they pay 100 % of my doctor and hospital bills. If the original billers would just contact XXXX, they would find out, and my credit would not be effected. 
Please, can you help me?
Synchrony bank card ( carecredit ) website is chronically unavailable. Usually it takes several tries to get logged in to pay bill, but today, I was continually rerouted to different screen. 
After 35 minutes of attempting unsuccessfully to log in, I called Synchrony, to make credit card payment over phone, giving operator the amount I wished to pay and debit card information. I told her that the online login, as typical, was down. She informed me that the website was fine - that there was no problem with website. 
As we talked, I checked my checking account, which stated that she had taken out a different amount than requested ( I gave her correct amount twice ). She then blamed me for her putting in the wrong amount because, when I called, I was " upset '' about the website and she was distracted because she was trying to " calm me down. '' She informed me that she would void the payment and put in the requested amount. However, I told her since the incorrect amount had already been removed from my checking account, I would wait until the voided payment was credited to make the corrected payment ( typically several days ). I told her this explicitly and my reason for not putting the correct amount through today. 
Directly contradicting my request, she went ahead and processed the correct amount so my checking account is now shows a double charge. Given the context of the conversation, I believe that the first debit she made was a genuine mistake but that she put the second XXXX through deliberately. It is true that I was very upset by the time I called Carecredit ( not profane, not personal, not threatening, but upset ) but I do not believe this justifies taking money out of my checking account without my permission. 
I am making this complaint ( 1 ) because the creditcare website is chronically malfunctioning ( 2 ) customers calling in payments after fiddling with website for 35 minutes should not be told to " calm down '' and that the website is fine ( supervisor later acknowledged that login on care credit is spotty XXXX users ) ( 3 ) the operator made a second charge to my debit card despite my direction NOT to make a second charge.
I received a call from an Indiana number XXXX at XXXX XXXX today XXXX XXXX, 2016. I heard an automated message saying something about my XXXX credit card eligibility for something, I do not remember what exactly, but I do not use credit cards so I knew the call was bogus. I followed the instructions to press XXXX to continue on. I was connected to a real person who proceeded with a script which I interrupted asking him how it was that they got my number because I do not use credit cards at which point the man on the other line promptly ended the call. I called the number back and the line beeped the way a disconnected line does. I regularly sign petitions concerning the environment and civil issues and I believe my identifying information has been thus compromised.
Experian continues to report XXXX XXXX XXXX on my credit report. This account is fraudulent and is continuously reporting the inaccurate information regarding the amounts that is owed. I monitor my credit report and they have listed the debt being owed as {$13000.00} then to {$16000.00}, then it changed as of XX/XX/2016 as the amount owed as {$25000.00}. The fraudulent charged off account keeps adding on fraudulent charges to an account that is closed! This account is not being verified correctly because the account information is fraudulent, the amounts are fraudulent! This is illegally!
On XXXX XXXX, 2015 my son and I made a cash deposit into our checking account at our bank at XXXX XXXX XXXX XXXX in XXXX OH. It was XXXX We deposited {$2200.00} in cash. The ATM receipt showed we had only deposited {$600.00} We were shorted {$1600.00}. I called the banking center. It was closed. I immediately called the after hours Customer Service phone number to report this. They assured me that they would investigate. I was assigned a " Case Number ''. The bank made a " provisional deposit '' the next day for a total of {$1600.00} We heard nothing else from the bank until XXXX XXXX, 2015 when they debited the {$1600.00} back out from our checking account. I contacted them this evening and the bank refuses to help me, saying that there is nothing further that they can do. I do not know where to turn. My family has banked with this company for over 25 years.
XX/XX/XXXX Citimortgage suggested the HAMMP plan to reduce my mortgage. I applied and made EVERY SINGLE REDUCED PAYMENT on time to Citimortgage. Then XX/XX/XXXX CitiMortgage contacted me and said I did not qualify for the HAMMP plan. They said I did not make enough money. So they demanded all of the money that they had reduced my mortgage by immediately. Since I was unable to pay they foreclosed XX/XX/XXXX. They went back and adjusted my credit report to say that I was late for nearly a two ear period. This type of credit reporting is unfair. I made the payment they were requesting on time!
Confirmation # XXXX XX/XX/XXXX, Confirmation # XXXX XX/XX/XXXX, and Confirmation # XXXX XX/XX/XXXX - I have been sent numerous disputes to Equifax with regard to 2 credit card accounts " settled for less than full balance '' on XXXX # XXXX & XXXX. Both accounts DOFD go back to XXXX. Both Accounts were settled. in XX/XX/XXXX. I have requested these items be deleted from my credit report as I am in the process of trying to refinance my home and the negative information is stopping me from this process. As you will see by the uploaded documents the same comment appears " The creditor has verified to OUR Company the date of last activity is correct. Under the Fair Credit Reporting negative items are supposed to be deleted from 7 years of DOFD, last activity date means nothing in reference to this item beyond the 7 years of reporting. Each time it has been disputed I have asked the representative to provide me with written documentation from the Creditor showing these items have been verified. As you will see on the all the confirmations, none of that has been provided to me. I have contacted the creditor ( XXXX ) and they have told me nothing has been reported to Equifax in years since there is a " XXXX '' balance. Why does a credit bureau have the right to report information beyond the 7 years reporting time when a creditor stopped reporting to them years ago. This is my final attempt to have Equifax delete this information before a suit is brought against them for damages in XXXX County. These items have dropped off XXXX and XXXX in XXXX. 
I take my credit information seriously and I am hoping you do too!
My home has been in foreclosure too long due to my servicing company Select Portfolio Servicing , Inc . I have been trying to apply for the Home Affordable Modification Program since XX/XX/XXXX. I have turned in numerous documents requested by the specialist that is assigned to my review. Every time I call the assigned specialist there is no answer and when I speak to someone else they state I need more documents. I call once a month for an update in regards to the review and ask if there is a for sale date. I received a legal advertisement for prevention of sale date on XX/XX/XXXX so I immediately called Select Portfolio Servicing and asked the representative and she stated no sale date. Then on XX/XX/XXXX I receive Notice of Cancellation of Foreclosure Sale Date from the Circuit Court of XXXX County. When I addressed this to Select Portfolio Servicing representative she stated there was never a for sale date. I have uploaded the legal advertisement and court document mentioned.The representatives at Select Portfolio Servicing give false and misleading information to delay the modification process and keep the home in foreclosure. I have spoken with a total of XXXX different representatives there and they are deceptive and seem to be uneducated in what they do. For instance my last call was in regards to missing documents and I asked what was needed. The representative responded with XX/XX/XXXX tax return thats all that is needed. I told her the last representative yesterday said XX/XX/XXXX tax return and XXXX form. The representative responded with yes that as well. At this point I have been forced to file complaints with the CFBP, Florida State Attorneys Office and the HOPE hotline for the HAMP program in regards to the unprofessional delay in processing my paperwork for a modification The delay from Select Portfolio Servicing in regards to the modification has made me ineligible for the XXXX as well based on a conversation with a representative from there. The representative with the XXXX stated I was ineligible due to the fact that my arrears are over XXXX and my home was in foreclosure too long. As of today I have sent Select Portfolio Servicing a whole new complete packet by certified mail, fax and over there website. I have also requested in writing that my review be escalated. I also need your company to answer a question for me. The manager at Select Portfolio Servicing stated that they have an underwriting department that my paperwork will go to when all documents are received and if I have to appeal the decision after the review the appeal will go to the same underwriting department for review again. I was under the impression that if it is an appeal then a XXXX party underwriter has to process the review. So my question is can the same underwriting department with in the servicing company look at a possible modification of the loan after denying it once already?
TransUnion Credit Reporting has consistently failed to report on my credit report the existence of my XXXX XXXX XXXX credit card. Both XXXX and XXXX report the existence of this credit card, but not TransUnion. When I phoned TransUnion in XXXX XXXX about this material omission, I was told by TransUnion that they never heard of my credit union, and that the only way TransUnion would report my credit card is if XXXX were to contact the TransUnion Sales Department ( and become a client of TransUnion ). However, when I then spoke with XXXX XXXX XXXX, they told me they already report to TransUnion, and other XXXX credit card members do have their XXXX Credit Card information being reported by TransUnion. XXXX told me to go back to TransUnion to file a complaint, but again, TransUnion already told me to tell XXXX XXXX XXXX to contact a sales rep from TransUnion. Below is the last email I received from XXXX XXXX XXXX about this matter : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On Fri, XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX wrote : XXXX XXXX, I had reached out to Trans Union on more than one occasion after speaking with you informing them of this specific issue. 
I confirmed XXXX does report its data to TU ; in addition, we tested other member accounts from XXXX to XXXX and they are reporting accurately. 
Both XXXX and XXXX are reporting your credit card correctly. 
My recommendation would be for you to contact them directly ; the following information was received from their web site : CREDIT DISPUTES Dispute an item on your TransUnion Credit Report or check the status of an existing dispute XXXX XXXX XXXX XXXX | VP Collections Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ma XXXX XXXX XXXX XXXX | Tel XXXX XXXX XXXX| Fax XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This suggestion by XXXX XXXX does not actually help me, because I had already contacted TransUnion and TransUnion already told me they never head XXXX XXXX XXXX Union, and the only solution is for XXXX XXXX XXXX to contact a sales rep from Trans Union to open an account with Trans Union. 

Clearly, someone here is not telling me the truth, but there is nothing more I can do about this situation. 

I would like TransUnion to report the existence of my XXXX XXXX XXXX Credit Card which is an account I have had for several years now and already appears on my other XXXX credit reports.
I made payment plans with the XXXX and payments were being made as agreed. Therefore, to report the account as delinquent was a clear breach of agreement. Payments were being made as agreed at the relevant time period, thus, I dispute the validity of this debt. 
I respectfully request that PENNCREDIT CORP. cease and desist all collection action ( s ) until an investigation is completed per the validity of the debt as contained and described by the XXXX XXXX is ascertained and verified. 
Upon belief and information, this account has been paid in full as agreed by both parties. 
WHEREFORE, I request under the FAIR DEBT COLLECTION ACT ( 15 USC 1692 ) that XXXX XXXX & PENNCREDIT be subjected to provide all unpaid invoices and paid invoices in the account including a copy of the payment plans entered by both parties.Absent being in compliance of the 15 USC 1692, XXXX XXXX and its associate will be in clear violation of my Privacy Rights and may require me seeking recourse for punitive/compensatory damages, per gross negligence.
I have attempted to get this account removed from my credit report already. The collection agency in cooperation with XXXX XXXX XXXX is now committing fraud and producing fraudulent documents to change their claimed source of the debt they claim. At first they said the debt was for unreturned equipment, now that they see I can prove that I did in fact return the equipment, they produced fraudulent past due bills, they have run into another problem, the dates of service they are claiming, are for periods when I did not own the property where they claim the service was provided. This is outright fraud being committed by XXXX XXXX XXXX and the collections agency attempting to do XXXX XXXX XXXX 's bidding.
Synergetic Communication has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I received a notification that someone had checked my credit report. When i logged into XXXX, I saw that Navy Federal Bank pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.
I am currently repaying my student loans to Navient on a " work out '' program they offer. This program allows me to ONLY pay the interest payments which does not reduce my actual principal balance. My regular monthly payment is too high for me to pay on a regular basis.