WillisBack/dataset-financial-user-claim huggingface dataset:
This terrible collection agency Midland Credit MGMT INC and XXXX have collectively scammed me out of {$200.00} dollars and put a blemish on my credit report by creating an early termination fee for a service I never received. Back in XXXX if my memory serves me correctly I had a wireless internet card through XXXX. To make a long story short, this card worked the XXXX week I had it then it stopped working, however, I had already paid the monthly fee payment of {$60.00}. In XXXX of that year I took my computer and wireless card into the XXXX store on XXXX separate occasions within the XXXX month in which had card and the associates there could never could get this problem resolved. Fast forward to the end of the month I got a XXXX bill for a clearly useless wireless service which now wanted payment for the XXXX month of the initial payment plan. I refused to pay and instructed them to cancel my service on the XXXX day of my service but I was convinced by the rep to give them XXXX more chance. I was told that if they could n't fix the wireless card, I would receive credit to my account which would cover the monthly fee of sixty dollars that I had just paid. Like an idiot I kept the service however unbeknownst to me if I had canceled that day, I would avoided having been locked into a contract which, according to the rep, had an early termination clause. As I stated earlier, the XXXX rep made promises to me that they 'd get the wireless card to work with my new laptop and if not my account would be credited ( the rep stated he would notate my account ). 
XXXX weeks later, they still could not get the card working so I canceled my service and asked them to refund me my money. The rep on the phone said he had no notes of the credit and stated that I have to pay an early termination fee, I refused and explained this ongoing saga. So, in XXXX they sold the so called debt to Midland Credit MGMT and of course they contacted me and once again I had to explain my position to them yet they refused to see my perspective and just wanted the money. I refused this unjust payment for XXXX years but I finally paid the sum of {$80.00} in XXXX because I wanted to move forward and get my credit completely clear. Since I have paid this collection, I have called Midland service still arguing the invalidity of this collection. These people have no honor or spirit of fairness in my eyes and have therefore cheated me out of a total of {$200.00} dollars and my credit remains blemished. I never told about right to dispute by Midland agency it only after XXXX when started researching consumers that I found that had right dispute within first XXXX days collection agency. But be clear everything I did receive call from that collection agency I tell that I do not owe them money given circumstances of debt after who should have pay service never received? I am again trying with XXXX credit bureaus but not holding my breathe. The too seem to support collection agencies broadly no matter circumstances of which receive collection it money making business and consumers that actually have reason to fight collections in some cases still remain voiceless.
I am in the process of getting a mortgage refinanced. 

I have seen my credit reports from Equifax, XXXX and XXXX. 

XXXX  has information that is not true. They clain deliquincy, balnce of credit relative to available credit is too high, number of accounts with deliquency is too high, etc. 

None of that information is accurate. These are all lies.
Onemain has me listed as having applied for a loan with them on XXXX XXXX, 2017th and I have never applied for anything with them.
I have had a Master card with XXXX XXXX for years and I attempted to log in to my XXXX account approximately XX/XX/2018. The screen stated that the account was invalid, and I noticed that under the log in block was a customer service number. I called the number that was listed and it was for the customer service department for a credit card company that I have never heard of, XXXX XXXX. The customer service rep informed me that XXXX had taken over the accounts from XXXX. I explained that I was never notified of the conversion to a new company or the terms of the new credit card and NEVER received a credit card. She stated that a new credit card would be sent out soon. On XX/XX/2018 I received a statement from XXXX and I noticed that the minimum payment had gone up considerably. I again called XXXX customer service and explained my dilemma, the representative said I missed the opt out period and said that there is nothing that can be done at this point I understand when a credit card company does a conversion a customer is supposed to be given an opt out option and be informed of the terms, I was not sent any information about this conversion and I was never notified of the increase in the APR, if I was properly notified I would have chosen not to go with this company. To date I still have not received a credit card.
TeleCheck doing business as TRS RECOVERY SERVICES, INC attempted to collect money for the following fraudulent charges. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$25.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$50.00}. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$25.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$50.00}. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$33.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$58.00}. 

I am disputing fraudulent charges using my name, for checks written from XXXX in the amount of {$23.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX, 2014 Reference Number XXXX for a total of {$48.00}. 

I called XXXX the bank where the the checks would have been issued from and there was no record of a checking account in my name.
My mortgage servicer ( SP Servicing ) has been doing everything they can to thwart all of my attempts to get a loan modification on my home. Lost documents, late mailings or notices sent that I did not ask for, discrepancies in information shared with me, etc. Most recently, I had to spend {$2000.00} to stop a foreclosure sale that the servicer postponed one day before the sale, but told me the sale would go forward. Someone needs to stop these people before someone loses their home for real.
Experian is currently and still reporting an inaccurate account on my credit report. 
They refuse to allow me to submit another dispute because of a previous dispute on same account 5 months ago. the issue was never corrected then and it still remains now. this account listed by XXXX XXXX XXXX XXXX XXXX, First Reported XX/XX/2011 needs to be removed for the following : Student Loan Account Info Is Incorrect
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
1. XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX was paid-in-full {$5700.00} as defined by the Bankruptcy Trustee.

2. XXXX can not agree that the account is paid-in-full and also claim a charge-off, ( see attached XXXX correspondence dated XX/XX/XXXX ). Amount paid to XXXX was made by the Bankruptcy Trustee not me.

3. XXXX is reporting the account Status as in a Payment Plan. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. This account is closed so how can the account be in a Payment Plan? 
4. XXXX is reporting the account as Account has been closed due to inactivity. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX must only report the current condition of the account, ( elsewhere my Bankruptcy is reported as a public record ). 
6. It is not XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy.
On XXXX XXXX, 2017 I got a free 7 day trial from Experian. it is currently the last day of the free trial and I have literally tried to cancel my account for the past 4 days. It is definitely a scam without a doubt. I tried online with no luck, I called the company over 50 times and they purposely hang up on you when you click the cancel membership option. I cant even believe they are allowed to fish people like this.
The mortgage servicer keeps contacting me to say that I owe them more money, after I have already sent in my payment. But they unable tell me why I owe the money or how many days were included in the compounding of the interest rate.
My dad is a credit card/identify theft victim. He fell for a scam in XX/XX/XXXX and again in XX/XX/XXXX that have wiped his savings and created major debt. First, in XX/XX/XXXX it was a telephone call saying that he was late on paying a bill and needed to pay immediately, so he provided a credit card number with his personal information. That created a ridiculous amount of charges, which he was unaware of. He is in his XXXX 's with some XXXX caring for my mom who was very ill. Then in XXXX XXXX he received a phone call, letting him know that he had won the big prize of Publisher 's Clearance but that he needed to follow very strict instructions. So he did. The result : Someone opened via internet a Citibank credit card in XX/XX/XXXX and charged {$10000.00}. In addition, they charged over {$12000.00} on his XXXX XXXX XXXX card and another {$10000.00} at another institution. Both Citibank and XXXX XXXX XXXX refuse to accept the fact that he did not make any of the purchases and have released the case to Collection agencies to recover the funds. I 've documented all the transactions and we can not believe that after all the documentation, either institution have not properly looked into the case. What we get is letters telling us " You opened the account via internet in Citibank and this is your responsibility ''. My dad does not own a computer nor did he have internet service. We 've written to Citibank several times and get the same response, " you opened it, it is your responsibility ''. The crooks were brilliant in how they managed everything. They opened the Citibank account and deposited the money in his checking/savings account at XXXX XXXX XXXX, then proceeded to make telephone transfers. They completed wiped all this checking and savings. My mom died on XXXX XXXX, XXXX and her memorial was XXXX XXXX. Because of his XXXX situation, and my mom 's death - I took over my parents ' finances in XX/XX/XXXX. I have spent considerable time understanding what had transpired, documenting much of the transaction. Both banks ( XXXX XXXX XXXX and Citibank ) have been unsympathetic. We spent considerable time at the local XXXX bank and ultimately chose to close his account after my dad 's account was cleaned out. I 'm at wit 's end on what to do. I 've over communicated with both institution. My parents, who have had wonderful credit scores in the past and now my dad, are now considering bankruptcy as a solution, which for us is a last resort. I am disgusted by the arrogance and disrespect conveyed by both banks.
Dear CFPB I was ripped off by a company claiming that they were going to help me fix my credit by settling my credit cards with 4 credits cards. I owed XXXX XXXX {$1500.00} ; XXXX XXXX {$1800.00} ; XXXX {$760.00} and XXXX XXXX XXXX {$1900.00}. I paid the com [ any {$1600.00} from XX/XX/XXXX to XX/XX/XXXX. The company charge me {$1100.00} in fees, never negotiated any settlements and refunded me only {$560.00} when I met with an attorney and cancelled this service after realizing it was a hoax.
1. misleading billing. on the bill received via USPS mail it shows a total amount due on XXXX XXXX, 2016 as {$280.00}. Their website shows a total amount due as {$370.00}. They charge a late charge of XXXX even when the amount due is received on time. 
2. I want them to bill me correctly. If the amount due on the XXXX of each month is {$280.00} or {$370.00} let the hard copy bill reflect the correct amount. make sure the amount due on their website reflects the correct amount.
In XX/XX/2018 we found a {$200.00} withdrawal from our checking account with Bank of America that was not authorized. We notified the bank immediately and they started a fraudulent charge case and credited the {$200.00}. Nothing was received about it afterwards. 
XX/XX/2018 we discovered their was a {$200.00} hold placed on the account. When inquired the bank said they did not find the charge to be fraudulent and was taking the money back. When informed that it was not authorized they said they would " reopen the case '' and it would take 30 - 60 days to get it started and were not reimbursing the funds lost.
On XX/XX/2018, my XXXX Credit Card Account ( XXXX XXXX XXXX XXXX XXXX XXXX ) was closed at my written request. The account is closed with a balance, and I am making on-time monthly payments to get it paid off. On XX/XX/2018, I was billed an annual fee of {$49.00}. On XX/XX/2018, I first emailed XXXX through its website to request the annual fee be waived. I did not receive a response. On XX/XX/2018, I initiated a chat session through the XXXX website and chatted with XXXX. I asked that the annual fee be waived/removed/reversed, but XXXX refused to waive it. He said that an annual fee will be billed on the account, even though it is closed, as long as there is a balance of {$25.00}. This practice seems illegal and definitely unfair and abusive. Customers should never pay annual fees on closed credit cards. The card can not be used at all ; thus, XXXX/XXXX XXXX XXXX XXXX  XXXX is being abusive in billing the annual fee and then refusing to waive it. I am asking that the CPFB investigate this bank for the abusive practice of billing annual fees on closed accounts. Also, when the account is closed, this bank needs to make clear of its annual fee billing in the close confirmation letter. It does not. Whereas other banks gladly waive annual fees on closed accounts, why has the federal government allowed XXXX/XXXX  XXXX XXXX XXXX  XXXX to get away with such an abusive practice? I would hope that appropriate fines and legal action are forthcoming for this bank, and the abusive practice of billing annual fees on closed accounts comes to an end. I am asking that the {$49.00} annual fee is waived on my account, and on a much larger scale, I am asking the CPFB to investigate and put an end to such an abusive practice.
I was approved for the Florida Hardest Hits Program after loosing my job two years ago. It has been a complete nightmare. The latest occurrence was when Wells Fargo stated that I should send them {$5200.00}. After I informed them that I could not send by the XXXX of XXXX, because after having to borrow the funds that check had not cleared my bank. The representative stated that should be Okay due to the fact that the quote was good through XXXX. They received my funds on XXXX XXXX. Then turned me down for the program stating that I did not qualify. However, Just after that I received a certified letter stating that they were going to take possession of my property with 60 to 90 days. They stated that they because they had n't received those funds by the XXXX that they have to start over. I received a phone call from my representative from the hardest hit program stating that once again I was turned down for the program. She stated that I do qualify for the program and to fight for it. So I have gone through numerous representative with Wells Fargo. The last one keeps vying more time for Wells Fargo and I am not sure why. It has been two months since they have received my portion of the funds and they have not even issued another quote or requested the funds from the hardest hit program. What I feel is that is when my application for the hardest hit program may expire. I have been approved for the XXXX and with my personal amount my mortgage would be current by now. 
Wells Fargo continues to blame the hardest hit program and the Hardest Hit program tells me to continue to fight for it. 
Its not the first time I have had issues with them. I have supplied information continuously for years. I had a local branch manager to send documents for me and still they cried that never received it. Even he said this is XXXX. I am just trying to save my home. I am a single parent of XXXX dependent children.
I have an item on all XXXX credit bureau reports from a company called XXXX listed as XXXX. I have reached out to this company and they are telling me that it belongs to a XXXX XXXX but the credit bureaus are still saying that they have verified this and It meets the FCRA requirements. This is nothing more than a fraudulent attempt for them to not do their job. It does not meet requirements under section 609 of the FCRA as they have not been able to provide validated proof an original signed contract. No matter how much I tell them to remove it from my credit repor they will not do it. They are violating the law. This needs to be taken off my credit report immediately. If you are going to make a law then hold them accountable to obey the law or the law is useless.
I was called by a number saying that they are trying to collect on debt that I have. Which I have none. XXXX is the number
Some time ago I lost XXXX speeding ticket trials and was forced to pay the fines. Due to unemployment issues I was unable to pay the fines. The fines were sent to GC Services where they got my driver 's license suspended. I sent a cease and desist certified letter to GC Services while I determined what was going on. I found out the GC Services is extorting money from me illegally so that I can get my license back. Since I do n't have the money nor will I for quite some time, I am sure this act of extortion is illegal. This action also places a huge burden on my employment situation since I ca n't drive to get to work. Without a job, how can I pay them anyway? For the record, I fought XXXX tickets in court and from my point of view I won. But was found guilty. I fought XXXX tickets in appeal and from my point of view again, I won. I lost XXXX appeals. I have already filed complaints with every state and federal agency asking for an investigation and so for I ca n't get any help. I am hoping that the CFPB can help. 
I define extortion as an act of forcing someone to pay for something they ca n't. GC Services suspended my license forcing me to pay or I will never be able to drive again. Since I do n't have the money and I ca n't get a job without paying, they are extorting money from me ... illegally.
I 've received XXXX calls from West Asset Management since XXXX XXXX about a debt owed by XXXX XXXX. I 've told them XXXX times that my XXXX XXXX is my child and they must have the wrong number. They confirm by asking " XXXX XXXX. XXXX? ". I tell them the middle initial is also wrong. I 'm then told that my number will be removed from their records, only to be called again the next day. 
I asked if they just go through a phone book and pick a name that 's the same and he actually replied " pretty much ''.
I opened a business bank account and later I decided to open a merchant account. I was n't informed that the bank decided to open a merchant services account. 
this included a 36 month credit card machine lease, # 2 included gift cards and credit card machine. I DID not ask for merchant services. I even got my business name changed and also my name was changed five ( 5 ) times. Two people were on a business billing statement. They even sold my fruadulant accounts off
I am enrolled in automatic monthly withdrawal with XXXX XXXX. Several months per year XXXX XXXX schedules payments on a weekend or a Sunday. As a result, even though I am enrolled in automatic withdrawal and the funds are available it take more than 3-4 days to process the automatic withdrawal and I start getting notifications that my account is falsely pass due. This is a sloppy and unethical business practice. XXXX XXXX needs to use best practices and act ethically as an organization. Receiving late notices when I am enrolled in automatic withdrawal is disrespectful, false, and XXXX should be held accountable for these misrepresentations. Also, 30 days for a response through XXXX 's website on any matter is not customer service and shows either understaffing or lack of concern with borrower 's concerns and accounts.
On XX/XX/XXXX I received a letter from Windham Professionals stating that they were licensed to collect debts in Minnesota and that they were seeking to collect a debt from the XXXX XXXX XXXX. The amount listed for collection in their letter was nearly 3x the amount which the Federal Government states that I owe. The StudentLoans.gov website lists this debt as {$1300.00}. Windham Professionals is attempting to collect approximately {$3400.00} from me.
When I went to Windham Professionals website ( www.windhampros.com ) I found that their online payment portal is nonfunctional ( https : //www.windhampros.com/makeapayment/ ) and only contains a redirect link offsite to the Dept. of Education. The redirect link directs to a dead webpage at the Dept. of Education. This dead link to the Dept. of Education is used throughout Windham 's website in lieu of actually providing information about customer 's loans. When I searched for Windham Professionals on the BBB.org they return an unusually high number of consumer complaints. Therefor I decided that to protect myself I needed to ensure that Windham Professionals is a legitimate servicer of my debt.
Having worked as a bill collector in the past I knew the process for this and sent them a letter on XX/XX/XXXXrequesting that they prove that the debt is legitimate, that they are authorized to collect it and proof that the amount they were attempting to collect is valid. I am legally entitled to this information per the FDCPA and stated so in the letter. Furthermore under the FDCPA they are required to cease collections attempts until they have provided me with this information. As of today XX/XX/XXXX I have still not received any documentation from Windham Professionals regarding this debt. They have continued to make attempts to contact me by calling me at two phone numbers and over social media at my XXXX account. They have violated the FDCPA in the following ways : 1. They have not responded to my Dispute letter in writing.
2. They have continued to make collections attempts after receiving my dispute letter.
3. They have provided no documentation regarding this debt.
On XX/XX/XXXX I was browsing for tickets online via XXXX the site kept crashing and reloading when trying to make a purchase. I reloaded the page and it charged me for 6 tickets. I called Capital One to dispute the charge. After several attempts both in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with each rep telling me new information 's and a new task for me to complete the issue was never resolved. Now I am responsible for an {$1100.00} charge on my credit card which I can not afford This has been a nightmare and I do not feel I should be liable for a charge I did not consent too.