WillisBack/dataset-financial-user-claim huggingface dataset:
I made an agreement with XXXX XXXX XXXX XXXX to pay {$40.00} per month until my bill is paid in full. All payments have been made on time. Also, all my statements state, " By remitting your monthly payment in the amount of {$40.00} by " due date '', which is the XXXX of each month, this will avoid any future collection efforts. I recently received a bill from H & R Accounts stating the remaining amount I owed XXXX was due in full to avoid all collection activity and/or negative report to the credit bureau. I spoke with XXXX at XXXX billing department and was told my account was in good standing and that H & R Accounts had been hired to do " billing '' for XXXX and made an error by sending me a collection notice. I was told I may still make my {$40.00} per month payment to XXXX. I believe that H & R Accounts is knowingly sending these " collection '' statements as a scare tactic to get payment is full, instead of honoring the payment plan agreement made by XXXX. I contacted H & R Accounts and spoke to XXXX XXXX and told him to stop sending collection notices and that I will continue to make my payments to XXXX each month and that this " shakedown '' as I see it, is illegal. Please check into this, as I believe there are people receiving these notices that do n't understand they have rights. Thank You.
after getting behind 1 payment to wells fargo back in 2011 i  contacted them about a loan mod and givin a person to work with after a year went by got loan mod myself and sister sigined and had noterized they only sent me a copy to sigin she lives in a diff state and instructions saidit had to be sigined on same day.i called fargo about that chould not get any hlp about how we were to sign on same day living 1200  miles apart. so afternot hearing from them left a message with my person who was helping me.I sigined noteryized overnight mail to sister she did same thing and sent in with a {$480.00} fee.got back same paperwork three weeks later. called fargo person and she said because both sigs werent in county home was in they could n't use.that was neverstated in instructionsi i had.she siad she wouldget suppervisior to help get it put through a year later got notice to appear in court fargo keptrunning me to diff people after asking them for new loan mod. igot a limited power of attotney to hlp with sigs but still no help so i went to a lawyer and hes trying to help but still may loose home .this company is the worst run ive erver seen im a XXXX year old vet and feel i have no rights agianst this company.ty
XXXX XXXX XXXX XXXX XXXX XXXX I never lived at this address this came from corelogic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING AT XXXX XXXX XXXX FROM XX/XX/XXXX XXXX MY IS XXXX XXXX XXXX
On XXXX XXXX, 2017 I called TransUnion at XXXX to place a 90 day fraud alert on my file. In doing so, they tried to get me to sign up for some sort of credit monitoring service, to which I declined. After I specifically asked not to receive their service, I was forced to once again listen to a sales pitch for the exact same service, only this time it was longer, before being allowed to place a fraud alert..
I have attached a letter and documents with highlighted information for review by the CFPB the credit reporting agencies and the creditors XXXX XXXX XXXX XXXX XXXX This is in response to a previous complaint with regarding items listed on my credit file that have not been validated. The information attached has been altered and or tampered with and is not the original information that was " supposedly agreed to by myself and the joint party. I never received a claim letter from this company regarding the CFPB consent order and was misled by the healthcare provider about the details and truth regarding opening the account and card. I believed that this card and account was paid in full. Account ending in XXXX was charged off and sold to a collections agency. 
******Please view all attached documents. ***********
My tenant sent me the rent via ACH using his XXXX XXXX account using ClearXChange. I got an email that I am receiving this money and i clicked on that. Just to check the status - i logged into the account. It had my XXXX XXXX checking account. But then ClearXChange asked me to switch to XXXX ( their so called easier and faster platform ). There were no documentation in terms of the consequences of doing this. 
When i did that - i come to know that XXXX is only mobile based app - it 's not something that can be done via computer browser ... it 's strict no no for me. Worst thing - it cancelled my ClearXChange profile and cancelled my incoming transfer. 

Out of frustration - i called the toll free # at around XXXX XXXX central time and happen to talk to XXXX and XXXX ( supervisor ) about it. But talking to them was the most hopeless thing in the whole world. 

Few questions : 1 ) Why in the world they are forcing customers to switch to the new platform?
2 ) Ok, you can ask customers to switch to the new platform - but why you are cancelling their existing money transfers?
3 ) With the platform change - their IT or operations should have done the heavy lifting task to migrate the customer profiles and money transfers rather than passing the entire burden to the customers to do that. Moreover they negatively impacted all the customers. 

This is plain simple ridiculous. Customer service seems to be operating from XXXX and does n't even know how to deal with customers in this kind of situation. They are taking customers for granted.
All  XXXX  credit bureaus are susceptible to allowing  XXXX   XXXX  to show incorrect information. I 've tried to tell the credit reporting companies and  XXXX    XXXX   a  million  times, that  XXXX   XXXX  debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still s hows a BALANCE OWED etc.,  which is not accurate.
I have been with Fay Servicing since they took over servicing of my loan late last year. I scheduled a mediation as per my rights, and met with their Attorney. I did not have an attorney present. The mediation was a scam. They stated " will give you 90 days '' and under duress I signed the documents. I asked during the mediation that if I had a well paying job would I be able to submit for a review and modification, they said yes. I found a job XX/XX/XXXX and submitted all required documents. I was in constant contact with my servicing representative. I have been trying for years through XXXX to get a mod. Each time we 'd get close I was laid off. Then I started over. My representative is now trying to push a short sale - or deed in lieu, even though I have a job and submitted all documents. The foreclosure is running in parallel and I feel the stress of running out of time. Why are they not following the comprehensive loan modification program as I meet the Eligibility? I bought in 2004, paid {$420000.00} for XXXX bath XXXX car garage modest house. I put down $ XXXX. and paid off the XXXX in the amount of $ XXXX. It is now work {$250000.00} max. They are still charging 6.8375, they are still charging the old taxation rates. Why ca n't they write down my loan? I did n't walk away, I stayed when all my neighbors disappeared dumping their properties. I do n't want to get foreclosed. Please help.
I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies. I contacted the agencies and they both stated that the accounts were opened in 2013. I have not heard from these agencies via telephone, mail or email. I have not been given an opportunity to dispute or confirm before they are added to my credit report as a collections. I have no recollection of opening these accounts but did move around this time and closed a bank account due to questionable activity after losing a checkbook. I have filed a police report in my city and reported the incident to my bank. But this was several years ago and I no longer bank with them. Both XXXX XXXX XXXX and CASHNET USA have placed collections on my credit report.
I mailed off several complaints to different addresses for this company as well. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CPS d/b/a Consumer Portfolio Services Inc '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Dear Consumer Financial Protection Bureau Representative : Several week ago, an official from Banco Popular de Puerto Rico ( BPPR ) called me with some alternatives for the refinance of my actual Convectional Mortgage with BPPR, using the Federal HARP Program.
<P/>
The bank official offered several alternatives with different scenarios ( years and mortgage rate on interests ). During the call, I request a couple of days to decide with my family among the different refinance alternatives proposed by the Bank official. He promised to call me again in two days, and I promised him that in two days I will decide among the different alternatives proposed. In facts, I was very interested in refinance my current mortgage for a new mortgage for 15 years at 3.50 interest rate. This is one the alternatives offered by the official.
<P/>
The official NEVER call again. I need to refinance urgently, because the mortgage interests are changing rapidly. <P/> JXXXX XXXX XXXXs de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX
I am writing regarding this agencies illegal collection practices. UCB is practicing completely illegal collection practices. I have a voicemail that was left on a family members voicemail that stated, " if the person was not " my name '' to hang up if not continue to hold. There is a full recorded message that I have from a family member ; that 's completely illegal stating information regarding a collection debt.The message also proceeded to leave they are a debt collector collecting on a collection/delinquent account. I have never received anything or heard of this company. As a collection agency should n't information be verified prior to speaking to anyone or leaving a full voicemail regarding the call.
They continuously called me and asked for my information. I would deny, they called my wife and she said yes she was my wife. she was then told why i hadnt paid a debt to XXXX over 6 years ago.
hello, XXXX have a debt collection of {$5.00} & {$11.00} on my credit report.which was in my bankruptcy discharge.i need this took off my credit report.you may need to contact .XXXX at XXXX. about this matter.R.M.C. is the collection agent who is handing the case.there p. # XXXX orXXXX.ask for XXXX XXXX for XXXX.there p # XXXX
On the back of my XXXX $ prepaid XXXX card it says that after a 12 month period of inactivity there will be a XXXX $ deduction fee from the account but the only purchase on this account is XX/XX/2017 less then 12 months ago for XXXX $ but my account balance is XXXX cents so when i called the number on the card to find the problem the woman who answered said that a fee of XXXX $ has been taken out of my card monthly since it seems like well before my first purchase
On XXXX XXXX, 2017 I received an alert on my credit report that a company by the name of XXXX aka : XXXX XXXX stating that they had placed a loan amount of approximately {$2500.00}??!!! first of all I have never heard of either company or have taken any personal loans out for such amount. I contacted Transunion Credit Bureau since they are the ones that alerted me and it was reported to them and they agreed that there was never an inquiry made by me requesting a loan from either one of the above stated companies because when someone requests a loan on line or other there is always an inquiry. I have placed a fraud alert on my report due to this ironeous error on my credit report and have placed an investigation. This so called XXXX company is out of the country and I know alot of these companies commit fraud towards peoples credit reports thinking that someone would be so XXXX and send anyone any money that you have never requested money from. I want this company investigated and this removed off my credit report immediately! This is definetly a fraudulent matter towards me and my personal credit report.
Please see the contents of a letter sent to the collection company, Virtuoso Sourcing Group, LLC on XXXX, XXXX. I have communicated with them previous to this time that this supposed debt is in dispute but yet they have had this debt placed upon my credit report without clearly identifying that it is in dispute. 

XXXX XXXX, XXXX Virtuoso Sourcing Group, LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Re : XXXX XXXX Creditor : XXXX XXXX-XXXX Client Ref : XXXX Dear Sir or Madam : I recently received your letter dated XXXX XXXX, XXXX. In your letter, you state that the included contract substantiates proof of debt with XXXX XXXX. 
Unfortunately, your organization does not have the complete details regarding this matter. In my previous letter dated XXXX XXXX, XXXX, I stated why there is no contractual agreement between me and XXXX XXXX. 
I have been in dispute with XXXX since XX/XX/XXXX, the date of the original install of solar on my home ( See Exhibit # XXXX, Initial Permits in XX/XX/XXXX ). Because of insufficient production, my system was altered ( See Exhibit # XXXX, New Permits on XXXX XXXX, XXXX ). With the introduction of the new system, I asked for a new contract to reflect the new system as well as provide me with new estimates of production. The old or initial contract was out of date because it did not reflect the system on my home and it did not provide me with estimates of production based upon the new system. 
XXXX refused to provide a new contract for the work that had been completed on my home. After exchanging with them over a period of time, they sent me a " Settlement & Release Agreement '' on XXXX XXXX, XXXX ( See Exhibit # XXXX ). I was refused to sign the agreement and asked them to remove the system from my home ( See Exhibit # XXXX ). I have multiple emails ( See Exhibit # XXXX ) between myself and XXXX XXXX ( XXXX representative ) which demonstrate we were in dispute regarding the solar system. As I previously stated, I finally asked XXXX XXXX and XXXX to remove the system from my home because I was not satisfied. XXXX XXXX has not responded to my request, dated XXXX XXXX, XXXX. 
Once more, I dispute this alleged debt and I am hereby asking you to cease and desist requesting payment from me. I deny that the alleged debt is owed and my agreement for the solar system was rescinded based on several grounds, including : 1. The solar company refused to provide me with a contract for the solar system currently on my home. 
2. The system provided by the solar company has materially failed. 
3. Since the solar company was unable to resolve issues 1 and 2, I asked them to come and remove the system from my home and they did not respond. 
Once again, I would like to reinforce that no complete and enforceable written contract was ever entered into between me and the solar company. 
If Virtuoso Sourcing group continues its collection efforts, I will be forced to pursue this matter legally. 

Sincerely, XXXX XXXX
My Loan Servicer is Caliber Home Loans. I wrote to them about understanding my options regarding a loan modification. I sent my question to them at the end of XXXX. My spouse heard from them on XXXX XXXX, 2015. Caliber staff refused to discuss modification options. They said once they have updated financial information, they alone will decide what options, if any, we have. Caliber has been difficult and rude. Under the present terms of our loan, we are supposed to assume a 20 year amortization. How can we understand our rights? I am XXXX and trying to assist my spouse in this matter. Please respond to XXXX of us at : XXXXXXXXXXXX XXXX XXXX XXXX ) and XXXXXXXXXXXX ( XXXX XXXX ). The home telephone number in Virginia is XXXX. Thank you
I sent a request for validation for the debt they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the President of the company XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to.
Upon reviewing my Transunion credit report ( XXXX ), I discovered an obsolete account ( creditor name, Navient, account numbers XXXX, dates opened, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX XXXX, XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
I had an account with Citizens Bank. I contacted the bank about suspected fraud in 2012 and until this day I am still unable to open another account. When I call to speak with someone on the matter I get XXXX response so I do not know what steps should be taken.
I have tried to submit a dispute with the credit bureaus and I keep getting a file can not be located. I sent for a claim to be disputed on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they have sent it back saying my file can not be located. This is unethical and against the law. There 's is only one person with my name, address, Date of Birthday, and social security number. Which I have proveide to them on every letter. They not wanting to do their job and they refused to do their job. They should be held accountable. I ask for the bureaus to remove the account that does n't belong on my credit file. After their investigation, send me a copy of what they just to verified the account if they deemed the account to be mines. I have already spoken to the business that stated the account was mines and they could not provide me any documentation that the account belongs to me. So why is the accounts still on my credit file. Why have n't the credit bureaus sent me anything documentation which stating the account belongs to me. They 're not granting my request of permissible purpose, and if they do have permissible purpose, where is their proof? Where 's the promissory note or contract with my signature binding me to the contract. The representative told me over the phone that the my used a screenshot of what the creditors sent them to verify the accounts. That 's against the law.
I went to XXXXXXXX XXXX XXXXXXXX showroom on XX/XX/XXXX to purchase a car! I had a pre-approved load from XXXX. The Finance manager in the showroom told me that he can offer me the same interest rate from XXXX and insisted me to take the loan from them as the documentation process will be done right away! He asked me to provide my details and gave the details to him and told him that I approve only 1 hard enquiry on my credit report and will not accept multiple hard enquiries as I already have a pre-approved loan.

I have been deceived and I see 6 hard enquiries on my report which I have not approved. 

TransUnion - Unauthorized hard enquiries XXXX XXXX, XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX  XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX - Unauthorized hard enquiries XXXX XXXX - XX/XX/XXXX Please do the needful!
LOOK, I JUST GOT ANOTHER XXXX DEBT COLLECTION NOTICE FROM ANOTHER XXXX COMPANY REGARDING XXXX!!!!!!! I AM SICK AND TIRED OF STILL GETTING XXXX DEBTS REGARDING THIS XXXX ACCOUNT!!!!!!! I HAVE EVERY XXXX RIGHT TO BE FRUSTRATED!!!!!! AND I AM NOT GOING TO THE XXXX POLICE AGAIN WITH THIS STUFF EITHER!!!!!!!! I AM HIGHLY XXXX!!!!!!
I purchased tickets for my son and his girlfriend in XX/XX/2018 for an XX/XX/2018 trip. My sons girlfriend broke off with him and I called and cancelled the flights. I then disputed the charge through the XXXX XXXX credit card and they said I have to pay because I made the purchase. I will not be using the service and I should not have to pay for tickets that will not be used. 
XXXX XXXX XXXX card - Citi Retail Services XXXX XXXX   XXXX XXXX TN XXXX Date purchased : XX/XX/2018 XXXX son ticket XX/XX/2018 XXXX girlfriend ticket XX/XX/2018 XXXX son seat XX/XX/2018 XXXX girlfriend seat Date cancelled - XX/XX/2018 Record Locator XXXX Date disputed on credit card XX/XX/2018
on or about thursday, XX/XX/2017, upon logging onto my American Express premiere rewards gold card account, an offer was presented to upgrade to Platinum card with a XXXX Membership Reward bonus for a {$5000.00} minimum spend within 90 days. I clicked on the button ( link ) that said apply for upgrade, and was immediately approved. A few days later, i inquired about some charges and mentioned that offer, and was told that bonus offer was not attached to my upgrade. no one knows why, and everyone refutes such offer exsists, yet i have a screen shot of the offer, and was even on the phone with a rep about the offer at the time of the upgrade. i met my requirements within one day, and American Express needs to fulfill their side of the offer, and not dispute the fact that they even offered that to me to begin with, as they have been doing.
It seems to me Capital One is practicing fraud regarding my Capital One credit cards. I have contacted Capital One for the past several months to resolve these items and each time I am on the phone for hours with the problem not being resolved. 

Capital One is charging me for 2 XXXX charges on one of my accounts, items that I did not purchase. I have contacted Capital One on multiple occasions regarding these charges. The names of the purchased items are not listed and neither is the name of the merchant. However, Capital One is stating they do not have a name for the merchant and that the merchant has provided proof that I made these two purchases in XX/XX/XXXX and XX/XX/XXXX. I have not made these purchases, was not provided with the name of the vendor, was not provided with the name of the items purchased, and have never used XXXX XXXX. Yet Capital One refuses to remove these charges from my account. 

Also, Capital One is charging me on another of my accounts for an XXXX returned at my own expense. Capital One has refused to reimburse me for an XXXX that was returned in XX/XX/XXXX a few days after being purchased, and replaced with another XXXX purchased in XX/XX/XXXX using my CapitalOne credit card. 

I have contacted Capital One on multiple occasions to resolve these issues with my account and Capital One has refused to reimburse my account for these items that were not purchased on one account and returned on the other.
I contacted Experian as there are numerous accounts listed on my credit report that are obsolete. I know that I do not have to explain that after a certain amount of years I am within my right to request for old accounts to be removed from my credit file. I have asked Experian to remove all the outdated accounts and they have refused.