WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 at approximately XXXX XXXX I was contacted by a representative at the number XXXX. I was never told the name of the company but was promptly informed that I owed a debt for a pay day loan. I was told 'the comapny XXXX XXXX was looking to pursue 2 separate charges. One for fraud and one for checks fraud '. I was skeptical because of the many phone scams that are currently going around and I had not yet been given the name of the company that was actually calling to collect said debt ( {$470.00} ). I eventually talked with a woman who claimed she was XXXX XXXX. I explained that I in no way tried to defraud anything at the time of the payday loan ( 1.5 years ago ) but that I currently could not make a payment within the 20 minute time frame she was giving me before I would be 'served by a process server '. I would need some time as currently all my money pays for my living expenses and child care. And that if my only option was to pay in 20 minutes or be served then I guess I would tell the same thing to the judge. XXXX XXXX then thought it was appropriate to tell me that, and I quote : 'Better have a really good car because I'll never be able to get a loan again ' as well as insinuate that I am an irresponsible XXXX year old ( like I don't know I have made mistakes ). She was incredibly unprofessional. I was absolutely shocked that this woman would be allowed to berate and harass customers on a daily bases. XXXX XXXX then hung up on me after I asked for her name and then supervisor. I promptly called back and made a complaint with this company. I will admit I talked with 3 other people at the company that were much nicer and were able to act in a professional manner. I also paid my account in full less than 1 week later and only then was I finally informed that the company is Global Recovery. I am still not 100 % convinced it isnt a scam as the XXXX I was given does not pull up any Credit Recovery company when ran. 
My complaints are with the company not clearly identifying themselves with an actual company name and with their unprofessional and rude employee XXXX XXXX who insulted and berated me over the phone.
I was seen in the Emergency Room in Minnesota while I was visiting my great grandkids out there. I was very sick and they took films, cost {$450.00}. I was covered by XXXX at the time. I gave them my card before I was seen. I contacted XXXX when I returned to California. I gave them the account number of the bill, date, and mailing address. They said they would pay it, but they did not. Subsequent calls from their collection agency were answered and they seemed satisfied, but then I find this issue on my credit report.
I have 2 XXXX XXXX XXXX XXXX tradelines that are showing as negative. Both are installment loans and both are confirmed last paid in XXXX with dates of last activity of XXXX as recently as XXXX. EQUIFAX/XXXX/XXXX have willfully and knowingly let this creditor RE-AGE THIS ACCOUNT which is illegal. 

Both of these accounts are STILL showing on my Credit Report after 8 years of date of last activity. Additionally, they will not respond to any letters by US Mail requesting debt validation with specific dates. They have over 30 days to respond and letter sent out over the past 4 months have gone unanswered. 

I need Equifax/XXXX and XXXX to immediately delete this accounts or risk immediate state and federal lawsuit for financial harm and willful/deliberate violations of the Fair Credit Reporting Act. How can these powerful, multi-billion dollar profitable companies have more compliance and hire personel to monitor and now allow for tradelines to re-age very very old tardiness. These credit bureaus are completely liable.

I have already filed a complaint with the Florida 's State Attorney Office and have already been in contact with a Law Firm ready to file legal action against these 3 credit  bureaus. 

Regards, XXXX XXXX
I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX TRIDENT ASSET MANAGEMENT, LLC {$100.00}, {$260.00}, {$140.00}
I received a promotional offer for my Gap Card ( issued by Synchrony Bank ) for the months of XX/XX/XXXX and XX/XX/2016. The promotion was you would receive 5 times the normal rewards points for each purchase during the period PLUS XXXX points each day the card was used. Points were to be awarded within 2 billing statements By XX/XX/XXXX no bonuses were issued. I contacted Synchrony Bank and they acted like they never heard of the promotion and said they would look into it- I could expect to have it resolved in 2 or 3 more billing cycles. I contacted The Gap about this via email ( attached to this complaint ), they apologized and said Synchrony Bank would be in touch within several days. They were. A nice woman named XXXX from SB apologized for my problem, explained that by error the offer was n't linked to my account but that it was good, I would get my points and even offered {$50.00} in extra rewards points for my trouble. She assured me it would be resolved and the rewards would be awarded by my next statement. By this time I had at least 90 mins invested in calls, live 'chats ', and letter writing. After our call, I confirmed that the 'points for my troubles ' ( {$50.00} in Gap rewards ) were added to my account and believed that the points I 'earned ' through the promotion would be added soon and every thing would be fine. Today I received a form letter in the mail, basically playing 'Twenty Questions ', asking dates, amounts, etc- as if I am supposed to do all the research and calculations for them, after I was assured that the matter was settled- basically taking me back to 'square one '. They clearly had all this info already when I spoke with XXXX. What a terrible consumer experience and poor reflection on The Gap. I really never want to have anything to do with either Synchrony Bank or The Gap ever again.
This bank ( XXXX ) seems to be really making a lot of rules on it 's own and enforcing in one way or the other to the customers. I followed the XXXX to open the anywhere checking account via online. Whatever they asked me to provide - I provided and that 's why the account was also opened. I provided my permanent resident card as part of the account opening process and they accepted it also. Now after opening the account they are asking me to come down to the branch and provide the driver 's license, why?? They have so many rules for e.g. if you have opt for online bill pay but do n't use it - they will charge fees. If one does n't have the direct deposit or certain minimum balance they will charge fees. It seems this bank just want to XXXX and money of the customers. They are not doing any favor to anybody by letting me open the bank account. They are also getting the business. Now they are doing everything to make it hard to do business with them and seems to do everything not to give me {$200.00} cash back bonus.
I received a Installment Loan in the amount of {$700.00} in XX/XX/XXXX online from ACE Cash Express.The first payment was debited in the amount of {$310.00} with subsequent payments of {$200.00} with last payment of {$170.00} debited on XX/XX/XXXX. I received email indicated that the loan was paid. On Today XX/XX/XXXX I received email indicating that I still owed {$410.00} on the loan. I contacted the company, who indicared that they have norecord of the recent payment and even with this payment I would still owe {$41000.00}.
My wife has 3 subsidized loan at 3.8 % a 3 unsubsidized at 6.8 %. She has giving me permission on her great lakes student loan account and something does n't seem right. She has n't graduated yet but is n't attending right now because we have kids at home. I believe the 6.8 % is to high, and believe that for a graduate student the max is 5.7 but I might be wrong. Can you please give me some advice or direction on this matter.
I am attempting to work with my student loan lender. I do, however, wish everything to be in writing that I can save for my own resources. I have difficulty understanding speech over a telephone, in addition to being afraid to speak through one. I would not be able to fully understand what is being said to me through a phone, and I fear I will agree to something that will not sufficiently help my case. I suffer from XXXX and XXXX that affects my health for days after a phone call. Although I have explained this through email to the company, they have stated that they can not work with my case through email or mail. The only communication I 've received is in the form of a telephone number. I have also received threats against my paycheck in the form of garnishments and my tax return. I have attempted to make payments where and when I can, but my current bills already exceed my pay by XXXX dollars. I receive help from my parents for some of my bills. My daughter is XXXX and needs more care than I am able to find elsewhere, and so I can only work XXXX while she sleeps XXXX nights a week. That leaves me with a night schedule, which I must reverse during the school week to take care of her, and reverse again to do my job well. I have also received the notice that the only legal service in my state that could assist me refuses to assist in discharging private student loans. I am at the end of my rope, with little choice in how to proceed.
UPDATE : XX/XX/XXXX XXXX -- - A representative of XXXX XXXX called Credit Collections USA with me on the line. We spoke with XXXX who verified the bill was sent to the wrong address. She then spoke with Supervisor XXXX and was told they sent it to the right address. We asked to speak with XXXX and she verified to us that Credit Collections USA sent the bill to the wrong address and did not have the correct phone number on file. She still refused to remove the derogatory report from my credit record. They should have a recorded conversation that will verify this report. 


***************************YOUR ORIGINAL COMPLAINT*********************************** My Name : XXXX XXXX Debt : XXXX in the amount of {$6.00} Company having issues with : Credit Collections USA Address and phone of company : XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Date of service : XX/XX/XXXX Date spoke with credit collections : XX/XX/XXXX I am having an issue with a credit collections company and wanted to ask you about my rights or what I can do to get this corrected. I lived in XXXX and moved to XXXX in XX/XX/XXXX of this year. In XX/XX/XXXX I had to go to the ER. I have insurance. They paid their part of the bill and I owed {$6.00}. With moving, I never received a bill and was unaware I owed this amount. My husband and I were starting the process to purchase a home and found out it had been sent to a credit collector. Credit Collections USA based in XXXX, WV to be specific. I called them right away to get this paid and taken off my credit report. The employees there stated that I can pay my bill but they will NOT remove it from my report. I explained to 3 different representatives that I did not receive a bill or a phone call about this bill. They assured me they sent a bill in the mail. I did not receive ANYTHING from them. They had the wrong phone number listed for me so if they did try to call, they could n't reach me. I explained that I just wanted to get this taken care of for them and they REFUSE to help me in any way. I then contacted the XXXX department and explained the situation to them. They called the collection agency and were told the same thing. They do not agree with this method either. What are my rights? What can I do? I feel like my credit is being held hostage because of {$6.00} I was unaware I owed. This is the only derogatory record on my credit report. Had I known I owed a VERY small amount of {$6.00} I would have paid it immediately. All of the other bills from the ER were paid and taken care of. I was unaware of this never received anything from the XXXX dept or the Credit Collector. How can they do this to someone. I have done nothing wrong here. I have worked very hard for years now to make sure my credit is in good standing. How can a company do this to us? I feel this is an unfair practice for them. Please help me or offer some guidance as to how I can get this corrected. Thank you, XXXX XXXX
Appllied for Toysrus master card in the month of XXXX and I did not receive my card till XXXX XXXX. 
Called this company several times for the status and every time they say they are expediting the process, but issues not resolved.Customer service used to say previous request was not processed and they will complete a new request this time and it kept on happened for 5 times in the month of XXXX and XXXX. 
No response on why they are not able to process the card. 
They did my credit check and approved the card We already spent more than XXXX in toysrus using my other cards and lost my 10 % discount for card holder which is approximately XXXX $ It 's really a worst customer service I have ever had
" " '' I have disputed this collection on this XXXX XXXX** for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
On or about XX/XX/XXXX, Transworld Systems reported an unpaid debt from XXXX XXXX for {$71.00} to all XXXX credit bureaus. 

Despite writing and contacting this company asking proof of this debt, they have never provided such proof. 

XX/XX/XXXX, I spoke with XXXX XXXX and again ask for proof of the debt, as she did not want to provide me with the information, I asked to speak to a manager, but she kept me on hold for close to 20 minutes, only to hang up the phone on me. 

XX/XX/XXXX, I called and spoke to Manager, XXXX XXXX, who said that she would personally mail me proof of the debt. I gave her my mailing address and she re-assured me that she would send the information. 

As I did not hear from the company and because I was being denied a loan due this collection item, I decided to pay the bill, see attached. 

Although I paid the bill it is still being reported to all XXXX credit bureaus as a collection item. Upon contacting the company again, I was told that they do not remove collection items from any one 's credit report. 

I contacted the credit bureaus who informed me that this was incorrect and that the collection company simply needs to inform them that the collection item was paid in full and to delete it as a collection item. 

I have made several phone calls to this company and they have failed to assist me and this item still remains as a collection item on my credit bureau.
XXXX reported my Shell credit card account as being over the credit limit. The only reason that the account was allegedly {$4.00} over the credit limit was because of a fee THEY assessed. My charges on the account did not bring the balance to or over the limit. I do not recall any conditions either under the credit agreement, nor under Federal law which will permit a creditor to report my account as being over limit solely due to a fee or charge which THEY added to the account without my knowledge or approval.
having trouble paying the loan.When I go to see them they is n't nice.They wo n't lower the payments.My job is slow and I do n't make that much money.I have other bills.
2012, in Washington State, I visited the Emergency Room due to XXXX. I had some minor injuries. I was told that the government has a program to cover my visit due to the cause of incident. I never received a bill or was informed about the current bill I have had.
I currently have a DISCOVER CARD which authorized 2 charges which put me over my credit limit by {$1200.00} and then negatively reported me to the three major credit monitoring companies. 

They authorized a charge for {$5600.00} on XX/XX/XXXX which was {$110000.00} over my credit limit and also authorized a charge for {$140.00} on XX/XX/XXXX. If I was already over my limit on XX/XX/XXXX why would they continue to authority another charge. 

I also do credit monitoring with Discover and I was surprise to see that Discover negatively reported me for going over my credit limit. I immediately called them and was told there was nothing that could be done about it. How can they allow you to go over and then report for doing so. Are they so hungry for you to use their card that they would allow you to go over by a substantial amount and not inform you or deny the transaction.
Phone calls no one their when I answer looked online says its portfollio recovery I have no debt with them or anything in collections
There are several issues with my credit report. 

The first thing is that I was not able to put a credit freeze on my report because Equifax said my file is too long so it split into two,  so there trying to reattach it. 

The reason my file is too long is because it contains is contains fraud account opened under my name, I have filled a police report and sent that over to the creditors as well the Equifax, all the other credit bureaus removed this fraud items but Equifax has not. 

The third is my credit report contains inaccurate information on some account, for example some that were long closed and have a XXXX balance is showing with a balance, in all other credit bureaus it is updated. 

Fraud account ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX   XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX Opened XXXX XXXX, XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX   OpenedXX/XX/XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Fraud Inquiries ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Inaccurate balance on this two accounts, I paid them off but there reporting a balance ; XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX   XXXX Balance {$5500.00}
I have been waiting 4 months for this company Fedloan Servicing to process my IBR application. I faxed my original application on X/XX/17. Approximately 1 month later I received a letter in the mail stating that my application was not processed because it was incomplete. I called the customer service line and asked what was missing from the application and they stated that page 3 was missing from the application. On X/X/17 I faxed page 3 to Fedloan servicing. I called the customer service line again and asked if they received the fax. They said yes and stated they would begin processing my application. Yesterday, I received a bill in the mail in the amount of XXXX which is outrageous. I called Fedloan Servicing again and inquired about the status of my IBR application. The customer service representative informed me that my application had not been processed because I did not fax all the documents together in one fax. Since I faxed page 3 in a separate fax they would not process my application. This is ridiculous. Over the past 4 months not a single employee of this company informed me that all documents had to be included in 1 fax. Different employees will give you different stories when you call them on the phone. Multiple employees told me it was perfectly good to submit the missing 3rd page by itself. I now have another employee telling me that all documents must be faxed together. Why is it so hard to take the page 3 fax and add it to the other pages and complete my application?
I had Amex Delta Sky Miles card and carried AMEX Cards since XX/XX/XXXX, with excellent credit On XXXX XXXX, I was one day late and charged with {$35.00} late fee ; request waiver. On XXXX XXXX, spoke to Amex supervisor, a combative lady ( XXXX ) and not customer oriented. We get into to words and I closed my account on XXXX/XXXX/XXXX. I paid all charges except late fee. 

. 
On XX/XX/XXXX I spoke to XXXX of Amex, she told me she would waive the charges since I am AMEX member since XX/XX/XXXX in good standing. 
AMEX STARTED HARASSING ME NOW On XX/XX/XXXX, Amex sent me a statement for {$27.00} ; it is for late fee & interest charges On XX/XX/XXXX, Amex sent another statement. New balance is {$55.00} ( Previous balance was {$27.00} plus another late fee on top of first late fee {$27.00} plus interest of {$0.00}. ) On XX/XX/XXXX, I called spoke to XXXX XXXX at AMEX XXXX office. She agreed to waive all late fees, and balance will be XXXX. I spoke to her Supervisor complimented her. 
On XX/XX/XXXX, Amex sent another statement. New balance is XXXX. ( Previous balance was XXXX ; plus another late fee on top of twoo other late fee of {$54.00} plus interest ) On XX/XX/XXXX, I called Amex, XXXX ( ID # XXXX ) agreed to investigate charges. 
I hereby request that AMEX should hold their word as their Supervisor says and waive the late fees on top of late fees. 
There is two issue here : 1. Amex is not customer friendly ; for one day charging late fees 2. Amex supervisors promise/word donor mean anything. There is extensive communication break and we Customers suffer. I have the names and dates I spoke to the Amex Supervisors, and no action taken to date. 
I wonder why Amex losing Customers and XXXX account?
Last fall ( XX/XX/XXXX ) I received a letter in the mail from XXXX XXXX regarding an outstanding medical debt that was discharged in bankruptcy. That day I was upset and abusive and I ceased contact after filing g a XXXX complaint. 

Today XX/XX/XXXX I was going through my credit report and noticed that the debt that I owed was discharged in bankruptcy. I attempted to call XXXX XXXX today and they outright refuse to speak to me and all I want to know is who sold my debt to them. They were collecting on a debt that was discharged in  bankruptcy and I paid the company that sold the debt to XXXX   before the bankruptcy occurred, but I made that payment after it had already been discharged so Im just trying to find out who had the debt before them since I dont remember so I can get my money back. 

They refuse to talk to me today, accused me of being rude today, and keep hanging up on me. Its a simple information request. I also paid XXXX XXXX XXXX dollars at one point and that was also post bankruptcy. This company has attempted to collect on a discharged debt via mail and they owe me the XXXX dollars I paid them to get them off my back when they were actively calling me post bankruptcy.
I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.
XXXX has repeatedly contacted me regarding this loan account and subsequently reported me as in collections to all of the major credit bureaus. I do not have any responsibility for the debt that XXXX/PNC is trying to collect and I dispute its validity. XXXX/PNC Bank ( loan originator ) provided a promissory note that dictates that default occurs once the " Borrower does not make any payment before or on the date it is due -according to their documentation, the loan in question defaulted in late 2010. As the promissory cites Pennsylvania as its governing law, which has a 4-year statute of limitation on debt, this loan is unenforceable and XXXX has engaged in unfair collection practices.