WillisBack/dataset-financial-user-claim huggingface dataset:
I hired an lawyer for a legal matter, she when on maternity leave after taking the case and handed it off to another lawyer. However I was still being billed for XXXX lawyers. I was charged from the lawyer that went on maternity leave the day after she had her baby for a court hearing to which she was not there at. I did not sign a retainer document for the second lawyer but they demanded that I pay XXXX retainers. XXXX lawyers charged me for the same items, and not the credit collection company is telling me that they are going to take me to court. They faxed me the " proof of debt '' and their own ledger does not support the amount of money being asked for.
I just found in my credit report a collections for {$300.00} from Midwest Recovery System.

I do not owe that money if should be a mistaken identity.
I received a letter from the Internal Revenue Service regarding a settlement of {$16000.00} from  Wells Fargo , NA on  XXXX     2014. Th is should have been reported on m y 2014 t axes.     I have not been able to contact   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   by phone or email. I did forward an email to the Department if Justice last week since they did oversee  XXXX    XXXX   activities.
I disputed a debt on my credit report from Portfolio Recovery Associates assignee of XXXX   XXXX. I do not recall this debt & it was removed from my credit report. I then received notice I was being sued by them. I asked for trial by jury and the jury, before I entered the jury room I was told that I could not use the fact that they have harrassing my family or bring up any cases where they have been reprimanded and ordered to fix their practices. lol ng story short the jury sided with me. Said I owed them nothing. I now have a notice from the Justice of the Peace court that my case was appeled. I feel this is a form of harassment & I am hopeful for some help. I have no idea what to do.
I have been requestign a credit report freeze to be lift temporarily with all credit reporting agencies. XXXX and XXXX were fast and efficient. Experian on the other hand has been extremely difficult first they NEVER sent to me the PIN number upon the original freeze being placed in XX/XX/XXXX ( I have all the paperwork from a case of identity theft ). When I requested the PIN number to be sent on XXXX XXXX XXXX, the person on the phone indicated that he has requested it and it will arrive in 7-10 days. When it did not arrive in 7 days I called again. It seems they had no record of the request being put into the system, when I was not satisfied with the answer provide - put all my information into the system to request a new PIN, I requested this case be escalated it to the next level of management. This was done but only after I insisted 3 times. Then I was deceived and lied to - first that no agency had requested my credit report ( in fact XXXX had as I am in the process of taking out a home equity loan and buying a new house - both confirmed on the phone and in writing that the lenders could not access my Experian account ), XXXX ) was told that there is no one that this person ( XXXX ) reports to when I asked to escalate to the next level ( now I was feeling lied too - this was corrected - apologetically ), when asked if the PIN number could be expedited I was told no this is the process - then the supervisor indicated it could and he requested it - indicating it should arrive on Saturday ( it did not ). Experian is a deceitful company with internal processes that do not work and are holding customer hostage. Any agency or company with this level of importance ( all the banks use all XXXX credit rating agencies ) whose actions are deceitful, inaccurate and less than trustworthy should not have this level of responsibility. If they can not get this right - how do they effectively calculate a credit score???
company is stating i owe XXXX XXXX bill, but i do not. i have no bills pastdue with XXXX XXXX
XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, XXXX, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
I went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous chexsystems listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a result of identity theft.
I originally borrowed about XXXX for XXXX and XXXX school.Over the years I never really made enough money to pay them back. I was told that my deferment time was all used up and they said to put it into forbearance. Not sure if it was true about my deferment being used up. So now my amount is up to XXXX. The loans were taken out early to mid XXXX for XXXX probably through XXXX XXXX and XX/XX/XXXX to XX/XX/XXXX for XXXX XXXX XXXX/Navient. I always thought forbearance both ran out at some point as well. This is still my understanding. I truly feel that they were n't looking out for my best interest. I 'm XXXX now and I do n't see how I can pay them back. I 'm only making XXXX now despite my best efforts to get a better paying job. Right now I 'm under an IBDR plan and paying nothing based on my current salary. I believe if they had worked with me with my best interest in mind somewhere along the way we may have been able to work something out. But now with limited income and high student loan debt, I 'm turning to you. Ive requested copues from Navient and they have never sent anything despite saying they would regarding copies of the original paperwork. Please help.
On XXXX XXXX, 2016 I submitted a certified letter to Transunion disputing inquiries on my credit file. " XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ''. I also contacted Transunion by phone to try and resolve the issue. I have since received XXXX credit reports from Transunion dated XXXX XXXX, 2016 and XXXX XXXX both reports are still reporting the incorrect information.
I had my credit report ran by XXXX XXXX in XXXX ME, they used XXXX, a Thomas Agency report was on there from a few years ago, it has been paid for years and I've been fighting to get this off of my credit report for some time now. I was able to get it removed from XXXX  and XXXX   now I just need it to be removed off of XXXX. I went to the Thomas Agency- nothing they could do for me to take it off, even though its paid and has been paid for years now. Called up the XXXX  company it was though- again nothing they could do to take it off. Contacted XXXX- They could take it off my credit report for a monthly subscription charge, at this point I'm furious, I just want it off my credit report, and I should not have to pay to do so, I hung up. I then contacted the CFPB talked with them about my day and experiences though the Thomas AgencyXXXX XXXX  company and XXXX   and he explained they should of just took it off without you paying a monthly fee, that's ridiculous! So here I am filing a complaint. We are trying to buy a house, that's why I m trying to get all my D. marks off of my credit report. Please help! Thank you.
Caller said they were trying to collect a debt. I have no debts and am not late or past due on any thing. Used a name that was not understandable and I told them to stop calling. They could not state anything about debt were very rude. Have had repeated calls for same thing.
In XXXX XXXX 2017 I applied for a modification of my mortgage with XXXX XXXX XXXX XXXX. I retained the services of an attorney to assist me. My attorney 's office attempted on several occasions to contact my mortgage servicer but was repeatedly told that there was no modification department and that they had to contact the original mortgage originator ( the person ). Ultimately, my attorney 's office sent a complete modification request package with a standard RMA, Income Verification, Bank Statements, and a Reason for my Hardship. This request package was faxed and emailed twice, only to be returned without explanation. 

My complaint centers around the fact that mortgage servicers, such as XXXX XXXX, are by law supposed to have accessible mortgage assistance programs and policies in place so that consumers may access them in times of hardship. A review of XXXX XXXX 's web-site shows that there is nothing available that can be found to direct consumers on how to go about applying for loss mitigation assistance. 

I am sure I am not the only mortgagor who has run into this road block and I believe that this type of stonewalling consumers to prevent them access to mortgage assistance programs that should be made available can only be resolved by seeking the assistance of the Consumer Financial Protection Bureau.
The debt collection company, Commonwealth Financial Systems,  has managed to dupe XXXX  and XXXX  into posting a very old collection amount ( opened XXXX, XXXX -- {$1000.00} ) as if it was just opened. For the last 3 years ive lived in XXXX  and they are NOW showing the account as " opened in XXXX of XXXX ''. This account was started in XXXX. I would have had to have been in XXXX for such an account to be valid. It's already bad enough that consumers have to be treated as deliquent on debts that, if paid by an insurance company or medicaid, would have been discharged at 5 or 10 percent of the actual bill. Think of the money we lose while trying to build credit, because we are stuck with the option of credit cards and loans with huge percentage rates directly related to open accounts of little or no substanence. There is also a second similar account of {$340.00}, for which they did the exact same thing.
this account is fraudulent and needs to be removed after providing a copy of a police report and id theft affidavit that has been notarized there are XXXX accounts that are still showing
Contacted XXXX XXXX XXXX for information about leasing with them and their policy on rental history with a past eviction. Filled out info on their website and picked unit I liked then they emailed me saying I needed to complete the application with them. Stated I wanted to know beforehand if they dealt with my issue so I didnt waste money on an application. The leasing agent emailed she would check with her manager and got back saying no they didnt accept past evictions. I never stepped foot on the property and never agreed to {$260.00} in exchange for her asking the manager a question knowing my situation. Debt is sent to a collection agency and I have written letters disputing amount with both companies. Online I saw a {$65.00} app fee which was advertised as free application then once submitting payment saw a {$150.00} admin fee as well from XX/XX/18. This company ran my application after knowing it would be denied and refused to refund my fee and cancel the application after emailing with me.
I was a victim of fraud/scam using XXXX through my Wells Fargo mobile app. I tried calling Wells Fargo and explaining my situation. I have been a long time customer, yet they were unwilling to help me in any way to recover my loss money. I think {$250.00} is a small amount in comparison to the billions they manage, that could be returned as a courtesy to a loyal customer. I am the victim here.
I had my personal information compromised over a year ago. I have account and address that are not mine showing on my credit report. Please delete the following adresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My XXXX XXXX XXXX The following phone numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following account is not mine as well XXXX XXXX XXXX XXXX # XXXX I never had a XXXX XXXX XXXX   account. please delete ASAP
Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. XXXX, XXXX, and Transunion responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.
A collection company with an unknown date reported some payday loan or something that is not mine to XXXX, Experian, and XXXX on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) XXXX XXXX has ZERO documentation 3 ) they harassed my parents back in XX/XX/XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company XXXX XXXX and XXXX  and Experian have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID
I made several payments on my account in XXXX, XXXX and XXXX that wasnt applied to my account. I have sent bank statements per their request over the period of 5 months to get this issue resolved. I keep on getting the run around from customer service reps saying that they dont have it for me to send it over and over again. Then they stated they do have it but need a statement with my account number, which they have, the date of the transaction which they have and the rolling balance which they have. Even my bank called in to confirm that the charges were there. Now they repossessed my vechile and is holding it hostage until the issue is resolved. Now my car is up for auction. In addition I paid {$560.00} in a rental so I can get to work that I can no longer do and can not return to work until this is fixed. Please handle and return my vechile.
the guy from Integrated Services used inappropriate language, contact family members told them I wrote fraudulent checks, and makes daily calls. I informed the guy that I did not take out the loan and also informed him of the police report that I filed when my personal info was given out without my knowledge. This guy threatened to call my husband and also knew exactly the make and year of vehicle that I drive ; he also knows very intimate personal info. He knew my whole financial history. I am afraid that they will get me fired from my job. The guy was extremely nasty! I tried to call the company in which they said I owe the loan to, XXXX and XXXX said they did not have the account due to the account being sold to XXXX XXXX XXXX, I called the number and did not answer. I do n't know what else to do!
I have yet to be contacted regarding resolving fraudulent charges on my Bank of America credit card. Initially they refunded my card of charges around {$3000.00} for fuel purchases over a couple month period. I requested my visa be cancelled and reissued a new card number. B of  America took th e money back after their 'investigation ' stating that it could not be fraud because a chip card was used. Clearly my banking history for more than 20 years with this same bank shows I have never made purchases like this. It 's not even possible to buy as much gas as was being charged within the same day  ( s )  at multiple locations when worki ng 40 hours+ a  week. I have been to  2 Ba nk of America branches in-person to have this looked at and brought documentation. It was a bank mgr that informed me of card cloning. I have been in contact with the week-day fraud depart., the customer svc depart, the weekend/after hours fraud depart, everyone does/says the same thing - they apologize, say they will have someone contact me re my appeal of the denial and my requesting a further investigation. It 's been over a year. Yes, over a year. I 'm so irritated that I 've only been making the minimum payments since this happened, I initially never activated my new card number because I want to close my whole banking experience with B of A because of this. Not  one pe rson has followed through with my multiple requests. This is absolutely unbelievable.
I have been a customer of the Paypal credit ( previously Bill Me Later ) for some time now. While reviewing the CFPB website I saw a determination of some practices that I believe I was a victim of. 

Abusively charged consumers deferred interest : The ability to repay the items that were being deferred was not easily apparent, and as such caused undue fees to be applied instead of paying items that cause additional interest. 

Made consumers use PayPal Credit for purchases instead of their preferred payment method : Merchant websites utilize whatever payment option is chosen with paypal, and the payment is not easily apparent. Multiple times I have payed for items that have used the default " paypal credit ( bill me later ). At the time I did n't realize this was something to watch out for but after reading the article there are more than a few items that I would have rather payed for up front for that I was n't clear I had the option for that are now costing me in interest. 

Please review my account and case because I feel this falls directly in line with the determination made by the CFPB in XXXX of 2015.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
In XX/XX/2017 I relocated from XXXX to XXXX and as a result needed to close my Commerce Bank checking account. I contacted their call center and advised of my move. The representative informed me that she would notate the account, but since my account had a small balance, I would have to contact the local branch to get arrangements for a check to be sent. I was given a phone number and called multiple times leaving voicemails. 

The following XX/XX/XXXX, I checked my account online to ensure it was closed as I was never contacted back. I noticed two fraudulent charges on my account. I immediately contacted Commerce Bank and reported the fraud. I was told by the call center that because my account was closed, I would need to contact the local branch. I was again given a phone number to a local branch, called the number and left voicemails as no one would answer. I was never contacted back. 

Additionally, I emailed Commerce Bank and reported the fraud on my account. I was given different phone numbers to call. I tried these numbers with the same result. I was informed that my information was sent to the local branch for them to contact me. I was never contacted. 

A week ago, I advised Commerce Bank that if the issue was not resolved in one week I would be filing a complaint. This time my information was forwarded to the local branch. The branch manager called me while I was at work and left a message. I have called her number 3 times, left voicemails, and advised of specific times I can be contacted to avoid issues during my work hours. Each time I miss a call from Commerce and return the call, it goes straight to voicemail and we have still not been in contact. 

This issue has gone on far too long at this point. This is a Regulation E violation as my report of fraudulent debit should have been investigated within 10 days. I have copies of all emails I have sent along with phone longs documenting the numerous times I have contacted Commerce Bank.
A company by the Name of XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) and has parked a debt that has been recalled by XXXX XXXX just last month. I never received a letter or a phone call from this company that has parked this account and placed it on my credit report. I would have disputed it directly with experian but for whatever reason i ca n't seem to dispute this online. XXXX XXXX XXXX never gave me my right as a consumer to validate this debt, they never sent me a letter, or a phone call, if they would have, i would have informed them that this debt is paid and has been recalled by XXXX last month. I want experian to act to remove this item immediately and prevent grant and webber from tarnishing my credit. I have attached my credit report and highlighted the item in yello.
On XX/XX/18, I received a promotional offer via email from CareCredit Rewards. The terms of the offer were as follows : " Spend {$250.00} and Earn a {$25.00} Statement Credit* '' or " Spend {$500.00} and Earn a {$50.00} Statement Credit* '' on purchases now through XX/XX/18 ( *Excludes In-Network Purchases ). After registering for the offer, I spent {$560.00} on out-of-network purchases prior to XX/XX/18. On XX/XX/18 I received a {$25.00} statement credit. When I called CareCredit on XX/XX/18 and asked why I received only a {$25.00} statement credit rather than the {$50.00} statement credit that I had earned under the terms of the promotional offer, I was told that a {$50.00} statement credit would only be earned on a single purchase of {$500.00} or more. When I objected because that condition does not appear in the promotional offer that I received on XX/XX/18, I was told that my complaint would be reviewed by CareCredit 's marketing team ; and I would be notified of its decision within 10 days. As of XX/XX/18 ( i.e., 16 days later ), I had not received a response to my complaint ; so I called CareCredit again and was told that the marketing team had reviewed my complaint and denied it. In summary, I am owed an additional {$25.00} statement credit by CareCredit because I met the terms of its offer by spending more than {$500.00} during the qualifying period after registering for it ; and the offer did NOT indicate that {$500.00} had to be spent on a single purchase to earn a {$50.00} statement credit.
My credit card, issued by Barclays Bank Delaware, gives XXXX XXXX reward points as an anniversary benefit. It was supposed to be accrued by XX/XX/2016 but did not happen. I complained multiple times through their messaging system but no positive response was given. Because of this delay, my account balance ( XXXX points ) at XXXX was also forfeited.
I have a debt that was originally with XXXX, but it is now with JH Portfolio Debt Equities. I  have tried to call this company every day for a week, and no one ever answers the phone. I left my phone number on their voicemail, but I havent received a call back. 

I know the debt is valid, but I am having trouble paying on it since I cant reach the collector