WillisBack/dataset-financial-user-claim huggingface dataset:
Received several aggressive phone messages stating that I needed to phone them immediately to be served for a lawsuit. Left message to call XXXX file # XXXX. Spoke with a XXXX XXXX she informed me that she was calling on a very old debt from 2012 of {$1200.00}, said they were prelitigation and they were going to serve me papers on lawsuit and with fees and all it would be {$4000.00}. Said I could pay debt in full, pay {$500.00} or make 12 payments of XXXX a month. When I asked for her to send me paper work she said they would have to charge me {$5.00} fee and would need a credit card to have on file to let lawyers know I am serious. Wouldn't take less than {$500.00} to settle and refused to give me a company address so I could verify it was a legit company. She had very aggressive manor and said they would sue me. She gave me the following number to call her back XXXX ext XXXX
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Enhanced Recovery Corp. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Enhanced Recovery Corp. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Enhanced Recovery Corp. In this case the debt should be removed from my credit report and out of the office of Enhanced Recovery Corp. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.
Because I am set up in this reduced interest rate program with Navient, what happened is, as they have been taking payments out of my account and applying it, but I do n't know exactly how its being dispersed to all my loans, and because I 'm set up with auto-pay, I have never had any control over it. I just pay my monthly amount and they are supposed to apply it to my loan amounts accordingly. The website does n't have any detailed situation information and I have never gotten a document. All I know is that I owe XXXX a month and they automatically deduct it from my bank account and apply it to my loan. However, since we set up this payment plan, they have n't been applying enough money towards XXXX of my loans, and too much towards another loan. They have been calling 3-4 times a day during the week and weekends and sometimes late in the evening. I was confused because I had been making payments but because departments do n't seem to communicate very well at Navient, I was left with having to explain the program I was in to then get the response 'oh, yeah you are all caught up with payments, apologies we did n't see that. ' But now I have just discovered that they have n't been applying my payment properly, therefore we got dinged on our reports ( my and my cosigners ) which is really a major score drop. This not being the only quirky thing I have been dealing with, I believe Navient needs to be regulated because they clearly can not handle their customers money.
On XX/XX/XXXX I applied for an American Express Credit Card online. I was declined approval, and because I could not get the credit some bad things happened that I will not elaborate on because I want to keep this explanation brief. 
I received the reason for denial letter about XX/XX/XXXX. It said that American Express obtained an XXXX Credit report on me and the risk score was not available due to report of deceased status, and 4 other things. I called Amex and confirmed this. 
I wrote American Express a letter telling them I was not dead, and requested more information in early XX/XX/XXXX, and they never provided my any information the just sent me a {$30000.00} limit gold card. 
I began litigating a Civil Suit against XXXX and they investigated, and re-investigated and could not find any indication of Amex pulling a credit report on me during that time period, nor could they find a deceased notation. 
There is no indication at this point that XXXX  did anything wrong. 
I wrote 2 more letters to American Express, and they refuse to provide me with any explanation as to what happened. 
I feel like American Express may have done something improper, and that is how I am going to interpret their silence on this issue.
XXXX XXXX XXXX is threatening me. I contacted them they refue to show proof of how i got this on my credit its not mines
The companies were using a finance company to sell a fraudulent product and I believe since the companies went out of business shortly after, the finance company knew of there scam and the fraud method used. Also numerous complaints on the internet and I 'm sure with the finance company.
XXXX refuses to remove fraudulent information on my credit report. I have provided a police report. This is in violation of the FCRA.
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. Equifax is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway. Again they are showing wrong account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. 

Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX  ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX  ( XXXX )
XXXX XXXX XXXX acc : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days
I recently pulled my credit reports and discovered that I had a collection on there from Credit Management LP and the date the debt was assigned was XX/XX/2017. On the report it states that I had an original balance of {$80.00} and that my current balance was {$0.00}. After doing some research on what and where this debt could have came from, I discovered that it was from when I stayed in an apartment where cable was provided. I turned in all the equipment that was issued to me and now I am wondering why is this particular debt on ALL three of my credit reports. I did not have any knowledge of this debt and it is not fair for this to be reporting negative on my reports hindering me. If I do not owe anything then why are they reporting negative against me.
I had been disputing negative information on my credit report with the credit bureaus for over a year. In XX/XX/XXXX, I logged into my Credit Check Total account to review my credit report and noticed that Equifax had removed every single account from my credit report except for my dismissed bankruptcy and an account that had been illegally opened by my ex-girlfriend ( which is an account that I have been disputing both with the credit bureaus and with the creditor themselves ). 
I called Equifax and spoke with a representative over the phone and he had no idea what had happened or how to help me. He suggested that I send them a fax with a copy of my previous credit report that showed the information that needed to be re-added to my credit report. I had this information sent to them and it has been over 30 days since this information was provided to them. They still have not re-added these accounts back to my credit report and this has had a very damaging effect on my credit report. 
I do not know how this happened or what caused this to happen, however I would like for my good payment history and good credit history put back onto my credit report as I feel this is very unfair to me.
portfolio recovery associates, XXXX, dept. XXXX, XXXX XXXX XXXX, XXXX, ca., XXXX, has several times to collect " stale debts '' ( debts that are more than XXXX ( XXXX ) years old in violation of the federal and florida laws on credit card debt collection. last collection dates, XXXX XXXX, XXXX, ac. # XXXX XXXX, and XXXX. 
I had explained to " portfolio '' that collection of the above accounts are a violation of the fdcpa and florida debts collection statute but " portfolio '' continues its collection efforts. 
this is the last action that I will take before file suit in a court of law with jurisdiction on this matter. sincerely yours, XXXX XXXX
On XXXX/XXXX/2017 I made a payment on my FHA loan that reduced my principle balance to below the 78 % of purchase price that should have triggered automatic removal of PMI from the account. During this time period our loan was in the process of being transferred from XXXX XXXX to LoanCare LLC. I spoke with customer service from both institutions around that time and they confirmed that PMI should automatically be removed from my account. 3 months have passed and I have again reached out to LoanCare LLC and they still have not removed the approximately {$85.00} they are charging me every month for PMI. They are insisting that I have to send them a request in writing to remove PMI which is in violation of HUD/FHA policy. Between 78 % and 80 % you have to request removal in writing. Below 78 % should be removed automatically. I am also under contract to sell the house which puts a tight time frame on fixing the error.
To compound the problem their website at the same time says I do not have PMI and yet I see the {$85.00} coming out each month. LoanCare LLC customer service reps continue to confirm they are charging for PMI and despite talking with their managers a few times they will not give me a straight forward answer or even send me an email stating they are review the issue. Because the website states we do not have PMI we ca n't even fill out the form necessary to request the removal of PMI, which at times the company says we are required to fill out to remove PMI, even though we are below 78 %. We have spoken to customer care members XXXX ( ID XXXX ) and XXXX ( ID XXXX ).
Refuse or unable to validate debt, Ignoring my request for debt validation a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation
I have a Best Buy Visa Card. Never intended to get it at first because I have other credit cards. One time at a Best Buy store one of their sales agents was able to trick me into getting one after he said that there would be ZERO interest for 2 years and IF EVER I WILL STILL OWE THEM SOMETHING BY THE END OF 2 YEARS THE INTEREST TO BE CHARGED WOULD BE BASED ON THE END BALANCE ( caps for emphasis ). I have been paying, religiously, regularly and on time at least the minimum since the start. Payments were thru autopay. The promo period ended last XX/XX/2018. By Statement Closing Date XX/XX/2018 my balance was only {$650.00}. I knew interest would be charged by the next closing date but -- with all honesty -- was not expecting that it would be unconscionable. Since everything was on autopay, I did not bother to check said account. That is why I almost fainted when I saw today that I was actually charged {$820.00} supposedly as interest. All along I was assuming that my balance to date would only be around {$100.00} since I paid larger amounts after XX/XX/XXXX. Obviously, the guy who offered me the credit card at the beginning either did not know what he was talking about or deliberately misled me. I called Best Buy Customer Service but was transferred to a CitiBank Call Center agent by the name of XXXX who was not only unhelpful. She was INCOMPETENT AND RUDE. The call was placed just tonight at around XXXX XXXX Time. She could not even give me a detailed calculation as to how on earth the {$820.00} was arrived at. So I tried calling back the Best Buy Customer Service Hotline and made it clear at the start that I did not want to be transferred to a CitiBank Call Center Agent but still it seemed like they could not hear my pleas. Having hit a dead end, I am now hoping that CFPB could help me because I could not pay such unjust balance. I am willing to pay since I am aware that I have to settle my debts but only the fair balance. I now feel like Best Buy and CitiBank conspired to deceive me. I am now seriously considering filing Chapter XXXX Bankruptcy.
My private student loan is with Wells Fargo. The issue is not directly related to the student loan. Rather it has to do with Wells Fargo handling of XXXX issues. 

A few years ago I was party to a class action lawsuits regarding how Wells did not accommodate clients with hearing loss. This is still occurring. 

Wells Fargo has an area on their website titled Hearing Impaired yet they only list phone numbers. Calling for help is very difficult for myself and others with hearing impairement. It seems prudent, especially after the lawsuit, that Wells would offer an email or chat option to accommodate those that can't hear so they can receive customer service.
I made a deposit to Skrill of {$550.00} from my personal XXXX XXXX XXXX account. The transaction took place within 5 days without any id verification. 

When I requested a withdrawal of my funds to the same account. I was asked to verify my date of birth. In order for Still to verify date of birth they requested to send them ID card. After I sent ID, they asked me to send a picture with government-issued document. I made a picture of myself holding a passport. 

Then I was asked to send a bank statement and my account was locked. I called them several times, and was told that mm account was under investigation. 

This is clearly a scam and fraud.
I 've been trying to close this checking account for XXXX months. The balance is only {$8.00}, but they have ignored all of my requests to close the account and send me the money.
Sallie Mae has constantly been on my credit report as closed and 120 days past due. They no longer handle my loan but on my credit report instead of taking it off my credit reports they just put transferred in the notes but it still shows up negative closed account on my report. They have removed one or two so I know it can be done.
On Monday XX/XX/XXXX, I received a message from Suntrust bank to contact them immediately concerning our savings account. I called them and was informed that there had been two fraudulent withdrawals from a Suntrust branch in the Washington DC area. One withdrawal was {$1000.00} and the other one was for {$2100.00}. The person who made the withdrawals had a fake drivers license with my information on it and Suntrust actually had the license in their possession. Over the next several days, I was told that Suntrust had put the money back into our account. I was contacted by the XXXX county Police Depart. In Maryland on Monday XX/XX/XXXX with a case number. The fraud actually took place in Maryland. I can't see the balance online because they have it locked. I went into the local Suntrust branch in XXXX, Ga on Monday XX/XX/XXXX to transfer some money from our savings account to our checking account and learned that the money has not been refunded back to us! The customer service representative called the fraud department and I was told I would be contacted in 24 to 48 hours. As of today on Mon. XX/XX/XXXX, I have not heard one word from them and the {$3100.00} still has not been refunded. It's now been six weeks. This is not acceptable. Please help me to hold Suntrust accountable and to return our money! 
Thank you
I apply for a Discover personal loan And they denied me base on my credit report To high balance When all of my students loans are discharged plus some of the negative reporting accounts are pay off and they are to to old to be on my credit report I will like to be considered for a personal loan from discover bank Please remove all old account and update my report
I was not made aware of a debt before it was reported to the credit bureaus by Stellar Recovery Inc . The collection on the report states its a {$36.00} debt. It also states the original debt is from XX/XX/XXXX and says date opened XXXX/XXXX/XXXX, but did not appear on my report until XX/XX/XXXX. Had I not have had a credit monitoring service, I would have not known this debt even existed. I contacted the original company who the debt is said to be owed to. They told me that they had no record of this debt. I am requesting the information to be deleted from my report.
This is RPM? RECEIVABLES PERFORMANCE MANAGEMENT , LLC They are running a scam. I have no outstanding debts, my credit report is clean, I never recieved a letter, they wo n't tell me what they are calling for, hang up more than 50 % of the time, try to verify information before telling who they are or what they want, hang up if you do n't comply. There are hundreds of reports of the same behavior online, why are these people not in jail yet?!
This loan was incurred while I was student at the now defunct XXXX XXXX XXXX located at XXXX, CA. As you are aware the school has been closed due to fraudulent action by the said school and lost its accreditation.My diploma that I received is now worthless and could not even be transferred to another school since they are not being honored. My issue that I need to be resolved is why are they still collecting payment of the loan despite the fact that the school has been closed and shut down by the government and the diploma that I received is worthless and of no value. I could not even use it to apply for a job since employer knows that the school is no longer in existence.
They claimed they could not access the files I submitted as were password protected. I am requesting they remove the 30 days late report to XXXX XXXX XXXX XXXX from XXXX 2016. I tried and sent this info to them XXXX2016 without satisfactory results is what triggered this complaint. I have attached a readable file showing that this was reported in Error.
Hello, Capital One sent me this offer as a pre-approval ( pre-approved offer ) because of this I expected to be approved without my consent of this credit card, little did I know I was denied even though my credit score is fairly high. I do not feel like this denial was justified and it should be removed, as I did not receive a response / reason on why this was denied.
This is a complaint against Branch Banking & Trust, to request removal of my XXXX credit report dated XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquirie that aparace in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request
3 years ago my ex-wife and I went into a branch at Wells Fargo to remove her from my account and to get her a new account by herself. The banker we met with did not take my wife off my account and then somehow joined my wifes new account with my already existing account. On XX/XX/18 {$300.00} was taken out of my account because my ex-wifes account was over drawn. On XX/XX/18 {$50.00} was also taken out of my account. After finding this out we both went down to the bank to fix this and finally have her removed from my account and to have my money refunded to me. The bank took her off my account but refused to return the money that was taken from my account.
Company : TransUnion Problem : I tried to place a credit freeze on-line. The web site attempt failed. I tried via phone and failed. Agent did not pick up the phone. I tried the same process for my wife. Similarly failed both web and phone. I requested a friend to try, failed both web and phone. Seems TransUnion does everything it can to prevent you from placing a credit report freeze. Also, the web site has a link called " credit block '' which is an attempt to sell credit monitoring at a monthly fee - in fine print. It is an obvious attempt to steer consumers from credit freeze to a paid service. 

I did not have any issue with XXXX nor XXXX. TransUnion appears to be a bunch of scammers. 

Also, I am not clear how any credit reporting agency can justify charging for a freeze given they lost everybody 's data to the dark web!
It is a previous complaint # XXXX The result of that complaint was a offer from the debt settlement Company of {$800.00} they sent me a paper with the information without any explanation. I am in a fixed income having a financial hardship then I signed in XX/XX/2018 the document with the promise of receiving the money in the following 1 week and give the document back to XXXX XXXX. Since then three months has passed and I never heard back from them and all the calling attempts to ask for the money back were in vein. They always saying that the check in on their way but I have not receive it yet. 

I was looking for help with my debt and I got the information from the settlement company called XXXX XXXX XXXX. XXXX XXXX XXXX representative from the company that told me that in six months my debt will be negotiated. Total amount paid during 16 months was {$6800.00} minus two creditors that were paid total of {$2500.00}. I couldn't complete the program due to my financial hardship and they never explain my rights or options from the beginning, for instance I am a senior citizen XXXX year old with a fixed income less than {$500.00} SS, without any job or other source of income and they never told me I was protected from the creditors or collections. With the hope they gave me I was taking food from my table with the hope to clear my debt. Then after I interrupt the contract they didn't returned my money back the difference of {$4300.00}. 

I am also trying to contact the intermediary bank they use for this purposes XXXX XXXX XXXX ; I spent unsuccessfully hours on the phone waiting for a representative. I sent them letters twice and they never replied to verify the statements or detail information about the account.
My original complaint regarding XXXX and XXXX XXXX, ( Complaint Number XXXX ) on XX/XX/XXXX, I complained that the account had been taken care of through an accident and I was released of liability. Since the complaint, XXXX has updated the account to report an account charged off in XX/XX/XXXX to a late payment in XX/XX/XXXX. XXXX has updated the amount from {$12000.00} to my being currently past due of {$13000.00}. How can this be? 

I have uploaded the release that was signed in XX/XX/XXXX, so it is beyond me why XXXX would report false information.
Received a call from a " process server '' to confirm address in order to serve me. Called my cell phone and my workplace. No info given, supposed server is a XXXX XXXX XXXX, was given the number XXXX to call with a reference number.