WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, I received dunning letter from CCAB Management LLC dba CCAB XXXX dated XXXX/XXXX/XXXX for an alleged debt of {$30.00} owed to XXXX XXXX XXXX from XXXX/XXXX/XXXX. Also, in same envelope, another dunning letter dated same date ( XXXX/XXXX/XXXX ) for an alleged debt of {$30.00} to XXXX XXXX XXXX XXXX from services performed on XXXX/XXXX/XXXX ( not even 90 days old. ) Called CCAB and spoke with " XXXX '' on XXXX/XXXX/XXXX. I paid the {$30.00} co-pay from the XXXX/XXXX/XXXX service directly to " XXXX '' but stated the debt was not even 90 days old and that I tried to pay my co-payment at the doctor 's office on the date of service. I agreed that this was owed. 

However, I said I wanted to dispute the second debt with a date of service of XXXX/XXXX/XXXX. 

I stated I wanted to receive verification of the debt as it stated I could in the aforementioned dunning letter. 

" XXXX '' said due to the Federal Timeline I could not do that now and I would have to contact the creditor on my own. 

I asked " XXXX '' why would his official correspondence state I could request this and yet they would not do it. He once again stated something about a federal timeframe. 

After several attempts, I contacted the creditor ( XXXX XXXX XXXX XXXX ) and was informed that in fact this co-payment had been paid and they did not know why CCAB was dunning us. The creditor said they would have their office manager look into it on Monday. 

After numerous attempts, " XXXX '' from CCAB answered his phone and I advised him that I had verified with XXXX that this amount had been paid a long time ago. " XXXX '' said this made him mad and he would contact XXXX XXXX XXXX XXXX to straighten this out. 

Odd as " XXXX '' said he could not and would not contact XXXX to verify the debt at my request, although CCAB 's dunning letter clearly stated it could and would, but he immediately said he would contact them after I said I had. 

In my opinion, CCAB is blatantly lying in their correspondence. 

CCAB says you can dispute the debt and that CCAB will obtain verification of the debt and mail a copy to you. 

This obviously is not the case nor their practice in handling the collection of debts. 

I spent a lot of my personal time and minutes from my phone doing what CCAB 's official debt collection correspondence stated it would do if I requested CCAB to do it.
Person that I was paying was using a false account, desired amount for {$20.00} and then recipient lost contact with me. I believe that the account was fake and used it to recieve money from me. Money was transferred via Paypal.
I have not received any statements or phone calls about the loan. When I spoke to them back in XXXX I was entered into a deferment. I was notified that my credit score went down due to payments missed by Navient. But I have yet to receive a letter or a phone call. How is that allowed? They are just increasing my balance due and not evening contacting me.
I have an eBay gift card with a significant balance still on it. Whenever you use an eBay gift card for the first time, it is tied to a PayPal account and can not be used with another account. However, a couple weeks ago PayPal closed my account and will not give me a reason for closing the account. They will not let me reopen the account even though I have done nothing wrong or illegal. This also means I can not use the remaining balance of my gift card. I have attempted to contact both eBay and PayPal, but both give me the runaround on whose fault it is. An eBay supervisor did point out though that PayPal should be the one taking care of this issue since the cards are linked and processed by them.
I placed a security freeze on my account with all 3 bureaus last year. XXXX and XXXX had no issues placing and removing as the process is very much streamlined. 
I had to call Experian to add freeze, I was told that I would be sent a pin via mail when I asked over the phone they said they can't give me that and I have to wait for it. Never received it. 
Now I need to remove the freeze to allow a lender to pull my credit because I'm applying for a mortgage. I can't get through to a human through Experian 's phone system or web. I tried every customer service number I can find and even called a local number that I found on the web for a XXXX office. No matter what option I choose I always get sent to the automated system that asks me to mail confidential documents to a PO box . 
This is really abuse of priviledge, what authority do these people have to collect my information, charge me for not giving out my information and now they won't allow me to access that information when I need to access it. I will never ever deal with Experian to use any of their services again as I learned my lesson,
I pulled my credit report and noticed that there were some unauthorized inquires on my report. Therefore, I contacted the creditor listed and their response was that they did not actually pull my report, but that another company used their software. They then referred me to another company I have never heard of and I was unable to resolve it with them as well.
I have a XXXX account in collections that i continue to pay on and been making small payments twice a month but in the month of XX/XX/XXXX i made payment on XX/XX/XXXX then next payment that i made was XX/XX/XXXX within 30 days.on XX/XX/XXXX th to XX/XX/XXXX my account was reported to the credit bureau with the balance of {$420.00} which was minus pymt on XX/XX/XXXX.i called to see why it was reported before 30 days and the representative was very rude about it and i asked for a manager n it took a while for him to agree to get me one.when manager came on board she adviced me its their discretion when to report my account even though i made a payment 3 days before.she was as rude about it as her representative.Im trying to fix my credit and was not happy to see it in my report which affected my score n making it harder for anything been approved, this is my debt and i have not refused to pay it as i was doing it i just want it to be removed from my credit report and have better representatives who are not as rude at ICSYSTEMS
XXXX claims I owe {$21.00} on a cancelled XXXX auto insurance policy. My family and met with XXXX XXXX and bound AUTO Insurance before insurance lapse with XXXX. There has been XXXX ( XXXX ) attempts by XXXX ( XXXX ) people to resolve this with XXXX. XXXX now has put the above debt into collections. 

To date, XXXX XXXX, 2015, and to my knowledge, this issue has not been resolved and is costing me time, money and stress with their written threat to tarnish my credit by XXXX XXXX, 2015 should this fraudulent debt {$21.00} not be paid by XXXX XXXX, 2015. 

Please assist me in communicating that this debt is n't owed and to reimburse any and all monies due to me. Thank you!
Dear Sir or Madam, Something weird is happening, this week received a call from a woman from an unknown number asking me private information, I told her I would comfirm what ever is correct, however, would n't offer any information since i was victim of fraud before.   She was repeating im trying to protect you i said i will not offer information i was victim of fraud i can comfirm any correct information you have this was friday the  XXXX  Due to a trip that I am doing with my elderly mother (  XXXX  y ears old  ) I requested a limit increse on   XX/XX/XXXX   or  XX/XX/XXXX  in one of my accounts, they gladly provided withing  12  minutes and thanking me profusely for the 10 years of my loyalty to Citibank and my excellent payment history. they sent a text comfirming  Yesterday    XX/XX/XXXX   th saturtday, I went to my office and receiv ed 7 le tters without a logo stating that a "  executive  response unit ''  XXXX  had cancel   XXXX   of my credit cards account bussines and personal accounts even more confusing all letter stated my home address and delivered in my office mail box.   Had to research to find the last   XXXX   numbers of credit cards to locate account numbers after a night awake called the credit cards in question the response is " it was closed '' It seams very discordial when i have an average of  XXXX  on this accounts paid monthly in full and more with another card of that same institution also paid in full monthly.   in the morning of  XX/XX/XXXX  received and allert from   XXXX   XXXX   I will be leaving the country in 4 days on bussines trip.   Do n't personally think is proper, professional or fair to cancel my accounts without any notice or even email or phone call after increasing my limit and thanking me for my relationship with them.   To receive a letter dated the same day that that woman called me without a phone number or without a logo from which bank? seam to me that consideration respect and professionalism is unfortunatly going down the tubes I will forward this complaint to my senador  XXXX   XXXX  thanking you in advance  XXXX   XXXX
My 5th 3rd Bank account has been hacked and I have notified them about the breach. This continues to happen after I went into the branch to state I have no online account and nothing is to be transferred out besides my mortgage payment. You see the Bank forces me to keep an account there because I took out a mortgage with them. That said, I complained to the loan officer while doing my loan paperwork that she is sending my private information through unsecured emails. I asked if they have secure email and she said yes and I said I do n't need a password or anything like with other Banks? 
No not at all, my bank records, social security number birth date and address all out there with no protection. Since then I have had my XXXX acct hacked and 5th 3rd twice and closing the account tomorrow. I called 5th3rd corporate office in OH only to find out they do n't have any compliance department and I mentioned the CCO 's name and she replied " I have no way to contact him or his department. 
I understand there are rules in place within the Gramm-Leach-Bliley Act that are not being observed by the Bank. I really need some help dealing with the Bank. 
p.s. The documents I provided to the Bank were emailed through a secure encrypted email system much like other Banks use. Opening it would require a password.
My issue is with FedLoan Servicing.     I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearance 's, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past years, I have experienced job loss, financial hardship, and transitioning into  XXXX   XXXX   XXXX  including deployments to  XXXX   XXXX  and  XXXX . I have taken steps to ensure my financial responsibility moving forward. After finding out that my student loans were in collections a few years ago while I was in  XXXX , I quickly paid to get them out, but my credit report still shows the closed student loans with late payment statuses. These loans were transferred to  XXXX  afterwards but the old loans from FedLoan Servicing are still showing on my credit report. I reached out to them through disputing through the credit bureau 's and have also sent them a letter directly and received nothing back.
XXXX has sold a very old account ( I have not had XXXX in over 10 years ) to a collection agency called Enhanced Recovery Co. They have never contacted me but have put a collection account on my credit report ( no amount owed is indicated ) and when I call them and ask to speak to a Rep they hang up on me. I want this removed from my credit immediately! I do not owe XXXX XXXX any money. This collection just appeared on my credit report in the month of XXXX XXXX with an " open '' date of XXXX XXXX, XXXX. This is bogus and should not be on my credit report. Thank you!
Private Student Loan Account has been disputed with XXXX Credit Bureau. It continues to update monthly showing as over 120 days late. The Loan was originally with Loan to Learn. The account was included in a bankruptcy and is not backed by the government. Each time I dispute the information and submit proof from my Bankruptcy it shows that it was verified with the lender. When I called XXXX  to get the contact information for the company the number I was given was XXXX. That number is no longer in service. The website for Loan to Learn only has a mailing address and email. I have written both with no response. The other two credit bureaus : XXXX and XXXX both show that the account is closed and was listed in the Bankruptcy. 
This has been disputed 4 times. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and again today XX/XX/2018. I have no options to speak with some one to clear up this account one way or another.
2 things on my credit that has been over 10 years and will not drop off. One of which has been sold to several creditors and are still trying to collect on. I am trying to buy a house and these two things are haunting me for years.
Payment was mailed on or around XXXX, check number XXXX in the amount of XXXX to BMW Financial Services. This is for XXXX XXXX loan account, now closed, vehicle totaled on XXXX XXXX XXXX. As of today, XXXX, check has not been cashed or returned back to me. Please note, XXXX is a settlement amount good until XXXX and if payment is missing I will need an extension to allow more time to make another payment. The check was sent to address provided to me by BMW Financial Services rep, do not have her name available to me. Due to a cease and desist on the account, reps are not able to confirm receipt of payment or discuss anything else on account. Please advise BMWF to check their records for payment, if received or not, return it if there is a problem. Also, I will need an extension to resend payment if deemed missing.
Good evening to whom ever this may concern. 

On XX/XX/2018, roughly around XXXX XXXX, a tow truck came to my residents in the middle of the night to pickup my vehicle do to nonpayment on the vehicle. The next following day XX/XX/2018, I called XXXX XXXX XXXX XXXX in regards to my vehicle being repossessed. XXXX XXXX XXXX was the towing company that had took possession of my vehicle. Speaking with a XXXX XXXX XXXX representative that same day XX/XX/2018, I was informed in order for me to reclaim my vehicle into my possession, I had to pay the full amount in full {$2000.00}. Which that included the original monthly payments for the months of XXXX, XXXX, XXXX, and XXXX in the amount of {$300.00}, late fees {$100.00}, miscellaneous fees {$120.00}, and a repossession of fee of {$600.00}. A letter was supposed to be sent to the address that was filed with my XXXX account, stating " I had 10 days from the date they would send the letter out to have my vehicle reinstated back to me. '' A date was never mentioned over the phone of when the letter would be sent out. Also, I never received a letter in the mail from XXXX XXXX XXXX from the date I called them. XX/XX/2018, I went to the company that towed vehicle ( XXXX XXXX XXXX ) to repossess my personal belongings that were in the vehicle at that time. Signed my paperwork and let the company itself do as they wished with the vehicle. Fast forwarding to present time I received a letter in the mail XX/XX/2018, from a debt collection company ( XXXX XXXX XXXX ). XX/XX/2018 around XXXX XXXX XXXX I called a representative to discuss about the letter I received in the mail in regards to my XXXX account. Everything was discussed over the phone was being recorded and to collect a debt. Never once I signed any documentation for XXXX XXXX to collect a debt from me, and for me to continue to pay XXXX XXXX XXXX XXXX of the remaining balance on the vehicle of {$10000.00}. With little knowledge and not being fully inform of the situation that is occurring at this present time. I gave the debt collector representative my account number and routing number, and agreed for them to take {$75.00} out of my account the XXXX and XXXX of every month. XX/XX/XXXX, will be the first payment that will be taken out my account ( {$75.00} ), XX/XX/XXXX {$75.00}, and so forth and so forth for the first 12 months of {$75.00} on the XXXX and XXXX of every month. XX/XX/2018, my credit report shows that my XXXX account is closed. Numerous I have been harassed by XXXX in the past calling me more than once in a DAY about my account! Spoke with a representative and told someone when I could pay them, and how much I could give them as a payment at the time. Documentation was never implemented into the computer when I spoke with someone over the phone, because I kept receiving a call from XXXX, and I had to constantly explain myself to a new representative the same situation I told the first representative! Please, and hopefully someone I can speak with about my situation soon as possible! Thank You!
The XXXX sold my account. In court filings with the XXXX County Superior Court, the listing for the Debt is XXXX The Debt Collection Agency failed to list themselves as the Plaintiff in the Service Notification. The Agency that if behind the lawsuit has a contact with XXXX. Please investigate this issue for me because they are set to garnish my wages after the Judge signs the Default. The Warrant said XXXX but the court document does not list any XXXX, it list XXXX. The XXXX County Sheriff Delivered the Warrant to me. Also, I am facing a decision by a judge without seeing that Jefferson Capital Systems , LLC formally served me with a warrant.
I made a purchase online at XXXX on XX/XX/18 and the merchants website glitched and charged 11 duplicates for the same product. I immediately emailed the company after I noticed all the charges in my bank app asking them to cancel the duplicates. They refused and said all sales are final and I couldnt receive a refund. I then called my bank USAA to dispute the charges and they issued temporary credits, looked into the transaction and agreed it was a glitch and said I wouldnt be responsible. A month later I got a notice from my bank that they were starting an investigation. USAA asked me to contact XXXX and ask for a refund again. The merchant didnt answer for a couple weeks and when they finally reached back to me they said they only received 6 chargebacks. They supplied me with a label and I shipped 6 of the products back on XX/XX/18 and they received them on XX/XX/18 and told me they accepted the chargeback. When I got back in contact with a dispute rep from USAA they told me to ask about the remaining orders. I then started getting emails saying the disputed cases did not end in my favor and were being closed and the initial temporary credits started reversing and I still didnt have the refund from the 6 accepted chargebacks. I called back to the dispute rep and she said it shouldnt be closed so she reopened the case and said she would contact the back office dispute team to stop the credits from reversing, look into the missing chargeback refunds, and contact the merchant XXXX for me since they were now ignoring my emails. We spoke last on XX/XX/18 and she said she would contact me again in a couple days. Since then all of the credits reversed totaling {$2300.00} out of my checking account, Ive called her extension every day for the past week and a half and havent gotten an answer even after leaving messages. I emailed XXXX and they confirmed the chargebacks were accepted and they said theyve done all they can and its up to my bank to finish the chargeback. Im now in a back and forth and Ive talked to 5 different reps at USAA at different levels who can only seem to make notes to my account and tell me to keep trying to call my assigned dispute rep or contact the merchant. No one can give me an answer on my chargeback status or when or even if I will receive my money back. My dispute rep started out great but has disappeared for 2 weeks now and seems to be ignoring/avoiding me. Ive been dealing with this for nearly 3 months now, product was shipped back a month and a half ago and accepted, and plenty of proof and all requested documents have been submitted to USAA. I dont know what else to do and I desperately need this money to pay my bills immediately. I authorized 1 purchase, not 12. Please help
X/XX/2017, {$20.00} I believe I should be able to request a credit freeze without cost, as I never asked experian, XXXX or any other company to collect and sell my financial data. I believe opting out of this service, reporting my financial data to creditors, a service I was enrolled in without consent, should not come at a cost. XXXX offers a free credit freeze so it is certainly possible. I have attempted to contact credit bureaus to express this belief without success Thank you
I have student loans that were in default as far back as XXXX with XXXX XXXX. In XXXX I was made aware of the consolidation option through Navient which I completed in XXXX, XXXX. In XXXX I contacted XXXX XXXX to discuss the old loans on my credit report ( at least 9 years old ) and was told my information was with Navient. Upon contacting Navient I was told there was nothing they could do because they do n't have my files and I needed to contact XXXX XXXX. Long story short I was given the run around for several months and finally got through to someone at Navient that explained to me that they DO have my records but could n't do anything concerning how they are reported to the credit bureaus. I basically gave up because I was tired of the run around and to this day ( almost 11 years after some of the loans ) they are still on my credit report. I was also told that my application for income based repayment was n't complete because of a missing 1040 form. I contacted Navient and they told me the IRS site was " broken '' and that 's why it was n't imported. My payments are set to go up to $ XXXX beginning XXXX. Hopefully I can get the info one of the other ways they described in time to get my payments reduced because I do n't have $ XXXX to pay Navient.