WillisBack/dataset-financial-user-claim huggingface dataset:
Several years ago, approximately 2012, I took out a payday loan to help cope with a medical emergency. I had made payments for several months. I believe I repaid at least the amount borrowed or came fairly close. Regrettably due to the continued medical issue and resulting limitations on work, I was unable to continue paying the loan. Subsequently, My family in XXXX and XXXX were contacted by a collection agency regarding the debt. At XXXX point, my brother in XXXX had his dog threatened by the collection agency. My niece in XXXX was called countless times. She reports that the collection agency threatened to take her home. They cussed at me and left messages with cursing actions. To be honest, I am not sure if they actually threatened law suits because the language became quite escalated. I remember leaving with the distinct impression that they were discussing a legal liability. My bigger concern however is the threats to my family and the abusive language. In order to get them to leave my family alone, I contacted the agency and set up a payment arrangement. At this point I contacted a financial counselor who cautioned me that this loan may be of questionable legal standing in XXXX. Consequently I postponed payment and requested information from the agency regarding the debt. They denied that they had to provide any paperwork about the situation. I contacted the original creditor and they told me to contact the collection agency. I attempted to request the mailing address for the collection agency and they refused to provide the information. I called back with my financial counselor and they also refused to provide any of the information we requested. Even the company name was not disclosed. They may be XXXX XXXX or they may be collecting for XXXX XXXX. They identified themselves as Dispute Resolutions Services but would not clarify if they were a department of XXXX or a separate company. It was at this point that I reached out to the CFPB.
XXXX XXXX has contracted with several debt collection companies. Each of these debt collection companies are contacting me for the same debt. The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request each of these companies to stop contacting me. I also request to delete these entires from my credit report as the are in efforts to bully me with the same debt. The same debt is listed numerous times on my credit report with different credit bureaus. The companies are operating under Several different names, hence its difficult to determine who I 'm actually dealing with.
I have never signed up for emails from Credit Karma.

Credit Karma sends me frequent unsolicited and deceptive/incorrect emails alleging that my credit score has decreased, that I have missed payments on accounts that I do not have, that I have opened new accounts that I have not opened.

I understand that Credit Karma earns revenue by showing advertisements for financial services ( such as credit cards ), so I have avoided responding to their emails because I have not solicited their services and do not wish to provide revenue to a firm engaged in these types of business tactics.
I mailed a certified USD XXXX check to BBVS Compass ( where Simple ) holds their accounts. It was delivered by XXXX and signed for. In the meantime they lost the check and have not deposited the amount, and does not respond to inquiries about the status of the case.
XXXX XXXX XXXX quoted us ( homeowners ) up to {$1200.00} for complete water remediation AND repairs to our property. Nothing was signed by us but we agreed to pay a {$600.00} deposit to start. We never received a price list nor a written estimate. After water remediation was done XXXX sent us bill for {$1700.00}. We complained and they reduced bill to {$1200.00}. They never started any repairs so we did not pay any additional funds. Now we are getting collection notices from N.A.R. a collection agency demanding {$650.00}. As XXXX the work ( repairs ) was never completed we refuse to pay. In addition, our tenant has received a collection notice from N.A.R. for the same invoice but for the amount of {$1700.00}. Our tenant called N.A.R. and asked questions and was told he had to pay in full by XXXX XXXX or his credit score would be affected.
My name is XXXX XXXX XXXX and i, m being Deined the right to Purchase a House from HUD .My credit # is XXXX the Bank is saying that i need XXXX or XXXX to get a Home Loan even the Credit Union is saying thati need XXXX and XXXX to buy .Thats a Violation of my rights it puts me in a deined state .We are also being Deined because we don, t live in Mississippi, But we are relocating to Mississippi.
Discover credit card has been ignoring my requests of providing documents to justify the percentage of its reward program. I responded to 10 % XXXX Friday offer on purchase made at XXXX. I purchased XXXX tires totaling in {$370.00}. I was expecting 10 % of the reward, however, it was never given to me. 

XXXX of Discover contacted me on XXXX, but he failed to follow up, nor provide any explanation or reward to my account. I contacted Discover card against, they told me that I was credited {$1.00}. How {$1.00} is related to {$370.00} purchase? Discover initially told me that XXXX offered 5 % instead of 10 %, even so, 5 % of {$370.00} is {$18.00}, not {$1.00}. 

This company has been cheating me out of my reward money. 

In addition, Discover had mis-handled my dispute request. It was {$10.00} dispute, Discover initiated as {$750.00}.
Sometime between the  XXXX  of  XXXX   til  the  XXXX  of  XXXX  in   XXXX  , Chase closed  5  of my credit card accounts ( Chase   XXXX     XXXX ,  Chase Freedom ,  XXXX ,  XXXX , and  Chase Freedom   XXXX  ) that I have with them without any notice. I did not receive any emails or letters about why. On the  XXXX  of  XXXX , I called  Chase  and they informed me that they could not provide me with any assistance. I spoke with  XXXX . I attempted to get her employee ID or her last name in order to reference the call, however she hung up on me. She refused to escalate my call to someone who could possibly help. To this date on the  XXXX  of  XXXX , I have mad e 3  separate phone calls to Chase and it ranged from not providing any information to having too many credit cards. However, I find this incredibly hard to process because they recently just increased  one  of my cards from  XXXX  dollars of credit to  XXXX  and also approved me for  2 o ther cards, which they could have just denied. I have never missed a payment, always kept my utilization at less than 2 %, and paid off my balances before the statement. I would at least like to keep my oldest cards with Chase so that it does not severely impact my credit as I only have about 2 years of credit history and one of my oldest accounts is with Chase.
There are several issues:1. FAILURE TO DELIVER FREE CREDIT REPORT. I completed a complete written application including copies of driver 's license and utility and mailed that to Experian at its free credit report address. In response, Experian sent me a statement claiming I failed to provide ANY OF THAT that information in a letter I received about 2 weeks after my request. 
2. BREACH OF CREDIT INFORMATION. The statement from Experian was directed to my home address but listed a completely unknown name : " XXXX XXXX XXXX. '' It appears that Experian has given me confidential identification belonging to another person. Experian 's Report Number is XXXX and was issued XXXX. 
3. FAILURE TO MAINTAIN 800 Number. I received a subscription to ProtectMyId.com, a company owned by Experian, under a court settlement regarding massive identity theft. I logged onto that site and saw XXXX erroneous credit reporting issues. Using the website, I tried to file a complaint using that service, but it would not allow me to file any complaint. The website demanded a report number, but did not give me a report number to identity the matter. I attempted to call ProtectMyId.com but noone answered the phone, even when I hit XXXX or followed the prompts. I then tried to call Experian and could not get through either. 
4. PROTECTMYID.COM. I filed an online complaint with the website stating it did not deliver the service it was set up to deliver. I received an email over a week after I sought help from ProtectMyId.com stating that my request for assistance was received. I responded asking for actual help. I have never received any assistance from the website, Experian 's subsidiary. Instead, they then sent me a letter telling me they could not help me with a dispute involving Experian. 

CONCLUSION. I am very concerned that Experian is reporting incorrect information on my credit and refusing to communicate with me about it and is instead releasing another person 's name to me. If they confuse me with another person, are they sending out my confidential information to a complete stranger? XXXX
I have received an incorrect bill. They have called me, giving me an ultimatum, and telling me they would affect my credit. This seems to be harassment due to the below history. History : XX/XX/XXXX- I petition health benefits from the Social Security Administration ,  receiving a response saying I do not qualify. XX/XX/XXXX- I go through a XXXX procedure at XXXX XXXX XXXX XXXX XX/XX/XXXX- I receive a bill fro {$480.00} of charges, totaling {$1900.00} where XXXX would cover {$1400.00}. XX/XX/XXXX- The coverage by my health insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ended. XX/XX/XXXX- The coverage from XXXX XXXX XXXX XXXX XXXX , began XX/XX/XXXX- I paid the bill of {$130.00} for the total charges of {$290.00} where XXXX covers {$210.00} XX/XX/XXXX- Agreed for a payment plan to pay the balance of {$480.00} in 10 payments. I completed these payments between XX/XX/XXXX and XX/XX/XXXX.
XX/XX/XXXX- I received a bill for {$680.00} XX/XX/XXXX- I had a conversation with a representative at XXXX where I explained that this payment doesnt correspond to me, since I had already paid my {$500.00} deductible, and it is the responsibility of XXXX to pay that bill. I also added that it was very inconvenient that they were creating differing statements. XX/XX/XXXX- I receive a notice for the Collection Agency requiring the payment of {$680.00}. XX/XX/XXXX- I receive a telephone call from the Collection Agency ( XXXX  XXXX ) where I explain the inappropriateness of this bill. I then sent all the records and history of this issue. XX/XX/XXXX- In other conversations where I myself called XXXX , they agreed to pay this charge ( even if I dont have coverage with them at the moment ). The only condition they placed is that I send them a letter from the Social Security Administration stating that I was not qualified for XXXX. I obtained that letter, I sent it to XXXX and a copy to the Collection Agency. We agreed to wait for a response. XX/XX/XXXX- I received another notice from the Collection Agency requiring the above-mentioned bill amount, this time with very harassing notes, without any attempt to speak and communicate with me over the our previous agreement of waiting for a response from XXXX .
My mother and father owned their home for 37 years in XXXX they took out a loan on there home with green tree XXXX company. My father XXXX XXXX in XXXX. My mother XXXX XXXX in XXXX. I then went to court for a quick claim deed to the property. I was granted the deed at My exspence. I Informed greentree of all changed being made and ask them what I could do to take over the mortgage and was told simply pay the payments. I turned in my insurance information that proved i was the name on the insurance not my parents and both XXXX XXXX XXXX as well as all the court documents promptly. They excepted the paper work but still did n't let me take over the laon. A year later they switched from green tree to ditech. That 's were my troubles bega n. They refused my insurance. I had to dispute them in addition my insurance agency has to make contact with them to dispute there action since I had the quick claim deed. After that was settled i was told to only make payments threw there speedway method as the only way to avoid late fees. They would hold my payment as a partial payment and not apply it to my account causing me late fee s after I had already payed for there speedway method. My payments would be applied to other things than my account causing me to have to send more money to complete the partial payment they had takin money out of. I would do one time payment options and Ditech would set up unauthorized payments without my knowledge this action caused my bank account to overdraft XXXX dollars and be closed in XXXX XXXX. I would send them my payment and receive my confirmation number to later find out they did n't take the money out of my account and that caused my account to default my loan. I sent 3x the amount i would have payed of they would not have refused my payment in the first place. My phone records prove they call me 10 x a or more a day from XXXX in the morning till XXXX at night. The line will be dead when I answer it. I have contacted them multiple times in hopes of help saving my home. They tell me to pay up the full mortgage amount or get out. I am currently awaiting my forcloser court date. In XX/XX/XXXX i found out Ditec h was failing to pay property taxes on my property That escrowed in my mortgage i was two years four instalment behind. They did not want to pay it but had no choice or the state was going to take possesion, I payed Ditech and they failed once again on there end. I have tried to refinance the loan and no agency will help me because it is a fema loan. Please help me save my family home. This situation caused because of Ditechs fault and negligence. My parents XXXX in this house.
My name is XXXX XXXX, I got a private student loan back in XX/XX/XXXX from next student my boyfriend at time now my husband co-signed for the loan. The loan was deferred for years. In XX/XX/XXXX the first payment was due I made payment up until XX/XX/XXXX but I was unable to continue payments. Now in XX/XX/XXXX Im being served with court documents that XXXX XXXX XXXX XXXX has a judgement against my husband and I for over XXXX plus their XXXX attorney fees. The attorney XXXX XXXX is not willing to work with me and he is demanding personal information that has nothing to do with the debt at hand.
I have sent these credit agencies paperwork several times proving that I am making timely payments with my account, a credit card, with XXXX XXXX XXXX XXXX. I have sent them a signed notice from there own lawyer, stating that I am making timely payments, in the amount of $ XXXX month, and the balance is now only {$18000.00}. However, after several times challenging this continues to report inaccurate information. They continue to report this as a " charge off '' which is hurting my credit report and has caused me to not be able to qualify for a mortgage. 

****In addition, each time I dispute this account, they practice the illegal practice of " re-aging '' the account ''. In effect, my clock for the 7.5 years starts over, and I get a email or alert with a negative mark and it states I have a charge off, that hurts my credit. For instance, this fresh charge off is now updated as of todays date, the most recent dispute closure. 

*****Please stop these illegal practices and delete this XXXX XXXX XXXX XXXX entry from my credit report all together since you are reporting incorrect information.
My son had a checking account with SunTrust Bank in Georgia. I am the parent and my name is also on the account. Son and/or Mom owners of the checking account. My son had his debt card and driver 's permit stolen from his wallet. Bank sent overdraft notices to home. I took notice to bank on XX/XX/2018 asked why were transactions deposited in and withdrawn out of our account. We filed a police report of the lost items from son 's wallet on XX/XX/XXXX. Son had not noticed that items were missing until I asked him to see his driver 's  permit. On XX/XX/XXXX I filed a report with the Fraud Department at SunTrust. 
Thieves deposited three checks totaling XXXX and withdrew {$9300.00} on different times and mode occurring on 8 days between XX/XX/2018 and XX/XX/2018. 

SunTrust Fraud Dept. had police confirmation that the man that withdrew {$5000.00} in an over-the-counter transaction was not my son. On XX/XX/XXXX, the thieves were making over-the-counter withdrawal, ATM withdrawal and grocery shop. My son 's XXXX teacher confirmed my son was in class. 

SunTrust Bank took {$6.00}, XXXX from my husband and my savings account to pay for what the thieves stole from the bank.
I lived there XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX  XXXX and moved back in 2015 due to a roach infestation. They refused to fix the problem and I moved out a month and a half early with my kids. I was paying {$600.00} to {$700.00} per month. When I moved out they sent me bill for {$3100.00}. I couldn't believe they came up with this number. They transferred the debt to Professional Debt Mediators XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX The interest and prices that they hit you with is wrong. I had a month and a half of rent to pay and I was willing to pay that but they charged me over {$3000.00}.
I opened a new credit account with American Express about two months ago, responding to an offer for " Interest Free Use and Balance Transfer '' until XXXX ( 18 months ). I processed a balance transfer and made a couple of purchases. When the statement arrived, there was interest charged. I contacted American Express immediately in XXXX. On XXXX XXXX, they admitted via message in writing that they had " a technical issue occurred at our end due to which all impacted card members ' accounts were charged interest erroneously '' but " our dedicated team is working on this known issue and account will be remediated ''. On XXXX XXXX, they wrote " We have now started taking corrective actions. '' and " You will see a credit of the interest charges issued in XXXX automatically. ". THIS HAS NOT HAPPENED. Unacceptable delay for a company of this stature. I have contacted them several times, and each time they acknowledge the error and promise to fix it, with no result.
The account/student loan has been on my credit report for more than 10 years and it still on there, how do I get it removed from all 3 credit company ( XXXX, XXXX and XXXX )
XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX account. While no account was established the application left a fraudulent related inquiry on his Experian credit report. Attempts have been made to remove the inquiry as it is fraud related however even with a clearance letter from XXXX, Experian has verified a fraudulent inquiry as being accurate and factual which is a violation of federal consumer laws under the FCRA.
I have been contacting Citi Bank in regards to my Preferred Master card account ending in XXXX to resolve simple issue related to my online access. Citibank customer resolution department and other related departments were unable to assist me or resolve issue with my online account due to unprofessional customer service team. My account has been enrolled into Debt Management program since XX/XX/XXXX. I contacted Citibank numerous times and spoke a few different service representatives from different departments including customer service, collections, customer resolution, and online support departments to resolve issue with my online account access. For some reason, Citibank collection department placed a hold on my account to view my online billing statements and the only way I can view my billing statements to receive them by mail. 
I spoke to Citibank on XX/XX/XXXX, and XX/XX/XXXX and prior times about my account. Their customer service, including XXXX department located in XXXX and their representatives are very unprofessional, rude, and lack of knowledge. I spent over one hour to speak to them and I was unable to resolve the above issue. The last supervisor from XXXX department located in XXXX named XXXX advised me since account is closed and set up into repayment program, I will not have access to my online billing statements and the only way to view my statements by contacting them and request them to be mailed to my address. This is absolutely unacceptable. I have a balance on my account and I still have access to my online account since that and I'm only able to view my balance and make my payments online. However, I'm unable to view my online billing statements. Online support department advised me that collection department placed a hold on my account and my account is past due. Regardless the status of my account, I will need to have access to my account online. All my attempts to resolve this issue and other issues related to my account were unsuccessful.
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX/XXXX XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. XXXX XXXX XXXX/XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation
I received a loan in XXXX for school. I started paying the loan back in XXXX. I have paid approximately {$60.00} twice a month since then. I started receiving emails a couple of years ago from Navient stating that I was behind on payments. When I called and spoke with someone they said that my payments were n't being received and had me update the billing address and that they payments would be put onto the right account. Last year I received another call that my payments were behind and I needed to catch up. I was offered a forbearance which I accepted not realizing what capitalized interest was but continued making my {$120.00} payment through the forbearance. I received another call this month and finally spoke to two different people on XX/XX/XXXX who informed me that I have two loans with the same account number but different pay to addresses. Because of this payments were only being made to the Navient account and that is why they had been hitting my credit score and charging me capitalized interest and late fees. So now it 's been 5 years and I owe more now than what I borrowed. This conversation today informed me that I could consolidate or file for an income based repayment option. I also believe they raised my interest rate without informing me. 
They would n't help me by removing late fees or removing any of the capitalized interest from the forbearance even though I paid through them.
Background : We have had this card since XX/XX/XXXX and have used it on and off during that period. Normally for " additional '' expenses. On XXXX XXXX, XXXX we went to use the card, while we were traveling, and it was declined. We figured it was because we were traveling. We called the XXXX number on the back of the phone, thinking we just needed to let them know we were traveling and get the card enabled. Much to our surprise, we were told they had closed the account due to non usage in XXXX XXXX. When asked why they had not notified us they said that " we e-mailed you ''. When we asked them to " re-open '' the account they indicated that they could n't and we 'd need to reapply. 
My complaint is, an e-mail is not a notification when it comes to something financial. Especially since we had just received new chip enabled cards the in previous couple months with an expiration date of XXXX/XXXX/XXXX. In this case CITI bank left us in an extremely bad situation, as this was the credit card we had planned on using while we were traveling. Now I am hoping that this has n't messed with our credit. Especially since they did n't notify us about the closing.