WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2019, D2 Management called my work phone. The woman that I spoke with was deliberately rude.  After disconnecting the call I called the company back and asked that they no longer contact my work phone. They man that I spoke with refused to document my request unless I give my social security number, which I informed him I am not comfortable disclosing over the phone.  After speaking with multiple people and being transferred multiple times (while each person refused to honor my request), I asked for the company address to send a certified letter. The "supervisor" that I spoke with told me "this is a two-way street, if you want something you have to give me something. I need you to verify this information". I again told her I am not comfortable disclosing that information over the phone and again asked for the address so that I could send a certified letter and request that they not contact me at work.  Again the woman refused. I had to search the internet to find the address.
Previously I disputed false advertisement and false assumptions with the BBB on XXXX XXXX XXXX. They persist that I applied for a personal loan on XXXX XXXX, XXXX, which I did not. References to the first dispute is below in the inbox. XXXX XXXX Bank was notified by XXXX that I was affected by the security breach, XXXX ( XXXX XXXX, XXXX ). This when they said I applied for the credit, as you see in the information I supplied, I did not apply for credit initially. Now I believe that this could be the result of the security breach. The advertisement stated that checking to see if I qualify for a loan, it would not affect my credit, but I received a hard inquiry. The online advertisement is below in the drop box. The application they provided is totally incorrect as highlighted.
I have had the unfortunate experience of dealing with Simm Associates, a collection agency, in handling my student loans. After losing my one of my jobs in XX/XX/XXXX and working at my other job only 30 hours/week ( employer given hours ) I was not able to make full payments on my student loans. I offered to make reduced payments, however, the original lender, XXXX XXXX, refused a payment reduction to $ XXXX/month vs the required $ XXXX/month. They then sent my loans to SImm Associates. Since XXXX 2016, I have received multiple calls to my business cell phone which I have asked them nicely on MULTIPLE accounts to not call. I then began taking screen shots of the calls so I could document the continued calls. The next step was calling me during the business day at my place of employment. I asked that call to stop as well, but they continued. They even went as far as to call my father-in-law harassing him for information- again, I asked them to stop and they did not. Each of these callers from Simm Associates were rude and threatening, telling me they were going to put a lien on my assets, garnish my wages, continues to call my work office until a solution could be reached. EACH AND EVERY TIME I offered to again pay them {$100.00} and they would only laugh and tell me that was not enough money. I asked for a payment plan of some sort, or a long term solution for paying off these loans. XXXX person, by the name of XXXX, actually hung up on me saying I was wasting his time asking for a payment arrangement. This was the same person who told me I graduated from an XXXX school and should know better. Simm Associates is a collection agency- they DO NOT have the right to harass me, tell me they are going to put a lien against my property, take me to court, to call family members not associated with this loan nor call my cell phone. They have my home phone number which I have asked them to call to speak with me. They are utilizing unfair collection tactics as described in the Fair Credit Collections Act.
I am writing to challenge TransUnion 's reporting, compliance and investigation on accounts with XXXX XXXX that are listed on my credit report. Multiple items of incorrect and incomplete information exist and TransUnion 's results into the most recent investigation indicated that the information had been verified with XXXX, despite logic and evidence to the contrary. 

XXXX Unsecured Installment Account : On one XXXX XXXX account ( an Unsecured Installment Account ), TransUnion/XXXX is reporting, inaccurately, the Date of Last Activity as well as the account having been Included in Bankruptcy. '' This account was a loan for {$7600.00} opened in XXXX and paid in full in a timely manner a couple of years afterward. TransUnion is also reporting an inaccurate Last Payment Made on XX/XX/XXXX and Date Closed on XX/XX/XXXX. This installment loan was opened in XXXX and paid in full in the late XXXX or early XXXX. Simply by way of logic, no installment loan for {$7600.00} has terms that would allow payments to go on for XXXX XXXX as this is being reported by TransUnion and XXXX. Additionally, TransUnion and XXXX continue to fraudulently re-age this account so that it continues to appear on my report many years after it should have been removed. 

XXXX Line of Credit : TransUnion and XXXX is also reporting another XXXX XXXX account as Account Included in Bankruptcy and Date Closed on XX/XX/XXXX. However, they continue to report a Last Payment Made on XX/XX/XXXX. This doesnt even make sense a payment made on an account that had been discharged through Chapter XXXX Bankruptcy nearly over a year prior? No payment was ever made to XXXX beyond the date my Chapter XXXX Bankruptcy was filed in XX/XX/XXXX. Again, TransUnion and XXXX continue to fraudulently re-age this account with inaccurate information. 

XXXX Credit Card : Another XXXX XXXX Credit Card account is inaccurately being reported as opened on XX/XX/XXXX. This account was not opened in XXXX. 

TransUnion and XXXX are reporting incomplete information on all three of the above-referenced accounts as the account numbers are all being reported as XXXX. 

Finally, each time TransUnion/XXXX purport to have verified this information, it has prompted inaccurate reporting as though my account with XXXX has fallen delinquent XXXX and that I have just recently filed a new bankruptcy or a tradeline bankruptcy as being reported by XXXX. Each time this has happened, I have received notices that my credit score has been negatively impacted - sometimes by dozens of points.
Address check # XXXX XXXX, XXXX, XXXX, and XXXX are not me never lived at those addresses
I learned today that Equifax was responsible for leaking my information to parties that were not given consent to have that information. This information includes my name, address, date of birth, social security number, and everything else needed to make charges on my accounts, open new accounts, or to steal my identity. When using their tool to find out whether my information could be compromised, they tried to make me sign away my ability sue them either individually or in a class action lawsuit in order to ascertain whether MY information was compromised. I view all of the above, and especially the latter, to be egregious in nature, especially since they knew my information was at risk for the last three months and only just released this information to the public recently, and made sure to cover themselves before their responsibility to those who they serve.
XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Illegal foreclosure practices fraud upon the court banking entity pursuing me since 2007.  False affidavits, robosigning, banking entity not operating in good faith.
I sent AR Resources, Inc a certified letter requesting that this alleged debt be validated baring a original signed contract to no avail. AR Resources only sent me back a invoice totaling the amount of the alleged debt.
I am a victim of hurricane Irma, and was made aware that mortgage lenders will grant a three month forbearance and place the three months of mortgage payments at the back of the loan. At first, I thought this was a great way to help homeowner 's out during these tough times post IRMA. My mortgage is $ XXXX. When I called OCWEN LOAN SERVICING, they informed me that they would give me a three month forbearance HOWEVER, at the end of the three months, I will have to payback the total FOREBEARANCE amount over a six month period. So, instead of my monthly payment resuming at $ XXXX, my mortgage payment would be $ XXXX for six months. In other words, they help you out of one CRISIS just to put you into ANOTHER CRISIS. PLEASE STOP OCWEN FOR USING THIS PRACTICE. They are hurting homeowner 's that have been devastated by a natural disaster. Ocwen should be fined for using such a policy and ordered to change their practices and policies immediately.
credit was to be repaired for myself. the contract included for me making payment, my debts will be paid and my credit score will increase. I received a call from a collector, I tried calling PARK VIEW CREDIT and the line has been disconnected. unable to reach them, I am reaching out to you for assistance
I have been trying to disputes these debts since XX/XX/2017. Have sent letter by certified mail continuously with no response from either of the credit bureaus other than the account has been verified its mine. I have asked over several occasions please provide proof of verification, results from the investigation and where did the information from the investigation come from. I have contacted the collection agencies for proof or validity of the debt no response other than copies of statement for three random months that could be fake with my name on it. And the information is correct to any address I ever live. Also I asked the Bankruptcy to be removed stating that the FCRA states UP TO 10 years not the entire or exact 10 years it has to stay on my credit reports. It has been 9 years and 8 months. I'm a XXXX veteran and I suffer from XXXX and this is very bothersome for me at this time in my life.
I have a debt that started at {$8800.00} 14 months ago. I am not late on payments as far as I know and have paid {$300.00} per mo. every month, for a total of {$4200.00}. They still have the balance at over {$5600.00}. They ca n't seem to give me any straight answers as to where the money is being applied, or a fee structure that would account for the missing money. Can you help?
Re : Account Number end with XXXX Case Number : XXXX Capital One closed my dispute case and did n't ask me the same information they needed from my account Dear Sir or Madam, I 've made a dispute with Capital One credit card with the amount of {$270.00}. The credit card was charged by XXXX XXXX XXXX on XXXX XXXX, XXXX. I made the dispute because I went to the clinic with pain and swollen, the doctor checked my teeth and said he could n't find my root canal but they swiped my credit card for root canal treatment. I still felt pain afterward and after a month I finally got XXXX Dental Center to do the root canal. Capital One sent me a letter indicated that they want me to provide additional information about invoice or agreements but it was very frustrating because XXXX XXXX XXXX did n't provide any estimates, agreements or contracts to let me review or sign at XXXX XXXX, the date I went there. And I 've never agreed with any prices and never sign for any credit card receipts. 

Capital One rebilled me and sent me a letter and ask me about sales invoice or purchase agreement, from my understanding, the agreement or invoices should be provided by the merchant, and I 've never received one. I faxed the receipts I got on XXXX XXXX and I called Capital One again, they said they need to have " Second opinions from a professional specialist with a letterhead '' and they already closed my case.  They should provide a letter to me when they need this information but they have never asked me to and the letter they sent to me was the letter to ask for invoices and agreements. And that 's also the information not from my end, they should investigate the merchants, because they did n't give me one. 

FYI, I called Capital One again today ( XXXX XXXX ) The name of the agent is XXXX, Agent ID XXXX, she asked me to provide the second opinion from another dental specialist but she  also agreed that it was not the information which Capital One Dispute Department asked me to provided. But they already closed my case.
The complaint is against XXXX XXXX XXXX ... .XXXX XXXX made a call to my current employer on XX/XX/2019 and spoke with someone in HR in lengths about an alleged debt ... .they told the HR person all about the alleged debt I may owe ... XXXX XXXX made it seem as if I was going to jail behind this debt..They told the person in HR that if I didn't contact them then I will be going to court for the alleged debt. XXXX XXXX XXXX   then stated to the HR person the amount and court fees if they don't get in contact with me ... Not only did the person in HR was told this ... but someone else was in her office and she had XXXX XXXX  on speaker phone so another employee heard all of this to ... XXXX XXXX XXXX  even went as far as asking HR could they send a certified letter to my job for someone to sign for..I work at night so it would be impossible for me to sign for a certified letter.which in turn means anyone can/would sign for further exposing this alleged debt to unknown persons other than myself XXXX XXXX XXXX also stated since they don't have my address they are going to send a certified letter to my job ... The HR personnel was so worried after the phone call she texted me a message in this regard.. I do have that text message saved also. I've at the same address for 17yrs ... I called the number left XXXX/ case number XXXX to see what this was all about on XX/XX/2019 ... ..The representative of XXXX XXXX told me if I didn't pay then it would cost me XXXX in legal fees plus alleged debit of XXXX ( + ) if I didn't pay ... .He made it seem as if court documents had already been filed when no paperwork was filed for a case in court .... I asked for a debt validation letter but have not received it as of this date .... XX/XX/2019 ....
Portfolio has been disputed and refuses to validate. They send their own typed up letters and computer printouts of statements over 4 years old. There is absolutely nothing on my credit reports that show any charge offs that Portfolio is claiming to collect for. They are now refusing to validate any thing else which now they are violating my rights.
XX/XX/2016 my wallet was stolen and I tried to contact Capital One about my credit cards and they said they would put a hold on my account and send me new cards. Charges had been made to the account without my consent and they asked me to send a police report in and then they would start a claim. I did not have a police report because there was too much time in between the incident of my wallet being taken and me getting the police involved. Capital One refused to dispute the items on my card and I refused to pay for purchases I never made. I am asking that these late payments be taken off of my credit report!!!
I 've called the XXXX multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I had my loan servicer changed apparently which I discovered when my payment was returned. My old company very nicely helped me get the new company information which I input into my online XXXX XXXX billpay. 
That payment was sent out and recieved successfully several months. 
Then my XX/XX/XXXX payment was rejected by PHH Mortage and returned to XXXX XXXX creating a late payment and fees and so forth. My repeated calls to PHH resulted in being treated like a liar and an XXXX when i clearly had proof of successful payments and a rejection by PHH of my payment through XXXX XXXX. 
Now PHH refuses to work with me and has assessed fees of various kinds and i am sure has dinged my credit. 
I do not want to work with this company and feel they are a terrible company. 
I did not consent to have my loan servicer changed and want my old one back! 
I cant be looking forward to 30 years of this TERRIBLE customer service and deceptive practices. 
https : //www.phhmortgage.com
XXXX XXXX XXXX is reporting the wrong XXXX credit card account number : XXXX to Equifax. I will call XXXX XXXX XXXX and have XXXX XXXX XXXX send notification to Equifax to report my correct XXXX XXXX XXXX XXXX credit card account on my Equifax credit report.
I lost all income and currently have none now and am now reliant on my boyfriend I also experienced some health issues but also explains that the company did not want to hear anything I had to say as I have never had a rougher time they continued to send letters threatening to sue me then I got a paper where they were denied in local civil court 4 months after they filed due to the mail man never delivering the original document I guess but then around XXXX I get a call from the constable that hes at my boyfriends apartment to serve me with court papers just what every mom wants to hear especially when they dont even have two nickels to rub together the constable delivers them the day after XXXX and my neighbors see this which is embarrassing because I lost my income. This company really has no consideration they arent willing to work with me I have the other letters where they are demanding either half the money or 5 payments but like I said if I have no money how can I they wont even work with me? They will even try to claim people didnt speak with them because they have some weird attorneys supposedly handling it but I spoke to the company not the those other people. The company even has been on my credit checking it every so often which I dont like which Im not referring to capitalone but whom ever is claiming to be their attorney.
In XX/XX/XXXX, I received a letter from a collection agency. I did not recognize the debt and called to find out what this was for. I was told it was from the Dept of Ed. I told them that I did not have any outstanding debt. I requested proof. They mailed me a copy of some application. I wrote a letter in return stating that the name signed on that application was not mine. The ss # was not mine. The date of the application shows that I was a minor at that time. I never heard back from them. 
This year of XX/XX/XXXX, I was waiting for my Federal Income Tax Refund which was delayed. I called the IRS to find out where it was. I was informed that it was taken by Windham Professionals Collection agency.
I purchased a storage shed from XXXX XXXX XXXX in XXXX   Ks. I gave a {$200.00} deposit and {$160.00} which was the first months rent. I have had nothing but trouble with the creditor from day one. They have purposely tried over and over to inform me that I'm behind and they are coming to repo the shed. I have attached a copy of a letter from one of the multiple attorneys that XXXX XXXX XXXX   has had contact me. XXXX XXXX XXXX is the creditor for the shed. I have always paid the payments online well when I went on to the website to make my payment it told me that my account is invalid? So after numerous attempts to contact XXXX XXXX XXXX I finally was informed that I was several months behind and accumulated late fees. They changed my entire account numbers everything. And in the contract it states that NO changes are to be made without both parties hand written signatures. I will also attach emails from the company as well as a letter I received from Berman and Rabin PA stating that I have until XX/XX/XXXX to pay {$520.00} and then I can continue to pay my payments as if it never happened? It shows on the letter from Berman and Rabin PA that my contract began XX/XX/2015 it's a 3 year contract so that would mean pay the {$520.00} and there should only be 7 payments remaining. I tried to take care of the situation on my end only to be told that I would have to contact the office of Berman and Rabin PA but the letter from Berman and Rabin PA states that I need to get ahold of the creditor. Which is it? P.S they don't have any of the dates correct. XXXX XXXX XXXX  also informed me that Berman and Rabin PA would be contacting me on Thursday XX/XX/XXXXthey never did. And XXXX XXXX XXXX has locked out my online payment portal. So they have not even allowed me to speak with someone nor if I was to make a payment then HOW!?!?!
Unlawfully seized {$820.00} from my bank account, the debt was a time-barred debt of 11 years
Someone deposited a BAD check into my account which caused my account to become close to the bank of America. This is the 2nd time I 've had Identity theft with one of my accounts. I am having a hard time opening an account. I have a steady income with a good paying job and I need a bank account. I 'd like this to be resolved since I waited for over 3 years hoping that banks would look at my background and know that I have a job and steady income and NEVER been involved in fraudulent activity. Please help me!!! I 've never had any fraudulent activities happen in any of my accounts until this occurrence.
I am writing to your agency in hopes you can help me with some charges on my  Discover car d previously disputed with you guys. I would like to know the status of the disputes. I am Amish and I do not owe a computer and I am not computer literate.  Communication is kind of diffic ult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for services and they did disappeared after and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disput ed with Discover were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please. I did some complaints previously, the companies were :   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I might of forgot some names.
I applied for a Citi Priority account on XX/XX/18. I received confirmation of my account number XXXX the same day. I received a letter dated XX/XX/18 that my account is open. I received a second letter dated XX/XX/18 that my account is closed because they couldn't verify my information. 

How does this make sense? Did Citibank approve my account without verifying my information? Or did they approve my account then changed their minds. This is the second time I've tried opening an account. The first was denied proactively for the same reason. Before, they didn't give me the opportunity to verify my information. Now they seem to be messing with me again. 

I have already received my welcome package of checks, ATM card, and PIN number.
I had purchased a set of XXXX Good Year tires for my car from XXXX XXXX dealership in XXXX WI. At the time XXXX or XXXX XXXX was offering a {$100.00} rebate for the purchase of a set of tires. Good Year was also offering an {$80.00} rebate for the particular tire I purchased. The same rebate would have been {$160.00} if I had used my Good Year credit card to pay for the tires. XXXX XXXX XXXX XXXX XXXX purchased a prepaid credit card from Citi to put this {$100.00} rebate on. Good Year had also purchased a Citi prepaid card for {$80.00}. After receiving the cards I had misplaced them and thought they were lost. I could n't report them lost to Citi because I did not have the card numbers. I found the cards a week or so ago but they had expired. I contacted the Citi number on the back of the card and was told that the entire money balance on the card was forfeited to the bank on the expiration date. They refused to extend the expiration date or issue a replacement card. I was told that a lost card had to be reported within 60 days. The card purchased by Good Year had expired XXXX so I was reporting within 60 days of expiration and they still refused to issue a replacement for that card.