WillisBack/dataset-financial-user-claim huggingface dataset:
I have explicitly ask them ( RS Clark & Associates ) several times not to call my number and they continue to call after about a week hiatus. The last three times were XXXX/XXXX/16 at XXXX ; XXXX/XXXX/16, XXXX/XXXX/16. They continue to say they will but turn around and continue to harass my number with their calls. They have called before now and I have asked them not to call my number. They try to verify who I am although I refuse to give them any information as to who number they are calling. I do not know who they are and the fact they continue to harass calling my number every week or so is beyond relentless and tiresome.
My mother gained acess to my XXXX XXXX with the prior companies I worked for I cant find it. XXXX XXXX, XXXX , XXXX XXXX and XXXX XXXX XXXX
For as long as I have had a Best Buy rewards card with Citi I have NEVER received a bill. Not once, not electronically in an email, not in the postal mail, nothing. Best Buy Rewards was part of XXXX which sold to XXXX XXXX which sold to Citi ... Because I moved during one of the mergers I could not verify my own information. Fortunately I knew my card was expiring and sent a change of address notification to my old address with my new one and my " new '' Citi card was mailed to my current address. Hooray ... Once I could verify my account, I could change my address BUT I still never received a bill. Not in an email nor in the USPS system ... nothing, nada, zilch. Today, I received a set of collection phone calls saying I missed a payment. Apparently Citi upped my monthly payment without telling me and 3 months later, my account is over due without my knowledge. So, I closed the account only to be told that I can expect a final bill based on accrued intrest and check my email and post box!
The Department of the Treasury website refers us to the Annual Credit Report Request Service. This service used XXXX, Experian and XXXX. I thought I was safe there. You should know that Experian ( which I never used ) allowed fraudulent use of my credit card to open an account with them for a person unknown to me. This is laughable, but terrifying, because the very company we are referred to to get credit reports and which claims to prevent fraud, was fooled into letting a person open an account with them using my credit card, and my address. 
Experian says : " We help businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. " They should be investigated to see if we are really safe with them. Cancellation # of the account with Experian and the first name and last initial of the party are available on request by the proper authorities.
Was not contacted 4 years later about some private loan I supposedly took out and they are trying to collect it. I keep trying to call XXXX college but they keep giving me bogus numbers where nobody answers. I called the collection agency to get some information and they will not give me any info at all. They said call XXXX college but again this gets me nowhere with bogus numbers where noone answers or hangs up on me.
I have attempted to contact NCC Buisness Services about a debt that is on my credit report. I requested a financial transcript in XX/XX/2016 via email through a representative of NCC. I was given an email address below as a contact. 
( XXXX ) I emailed this address for the transaction transcript to review charges, and I received a message that the email address was not valid. I have attempted for two years to have this debt removed. This debt is almost 5000 and it has caused a great deal of hardship, because I have not been able to get proper housing, due to this outstanding balance. I explained that I went to court and the judgement amount want around 1500.00. I have sent a copy of the judgement to the bureau, and I have disputed the debt. This is still unresolved and still preventing me from acquiring housing.
I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the SCRA. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my military deployment and my security clearance remains at risk.
I used to have an account with M and T. Over XXXX years I closed the account and cut up my bank card. XX/XX/XXXX or XX/XX/XXXX I cleared up all my debt which also verified that I had no open accounts or outstanding balance with them. Just today I received a call from them stating that my bank card was used and they wanted to verify that I was the one who used it. This means that the bank reopened my account and issued a new card under my name without my consent.
I created an account with coinbase about 2 months ago. I put some money into some virtual currency, and I also verified my identity through their system. I sent them all the information they requested, and I had no problem so far. I have not tried to access the account from different places or anything. However, about a week and a half ago I tried login into my account and I kept getting an error regarding my account being disabled until I provided more information. The error reads : Dear XXXX Your account has been disabled. Please contact us at XXXXXXXXXXXX immediately and provide us with a copy of a photo ID and proof of your current address to regain access to your account. Respectfully, The Coinbase Team I tried reaching out to them by the email mentioned there, but they had an autoreply that was directing me to a different portal. I contacted there twice. Three days after I got a response saying that they are investigating the issue. It 's been 3 days more and there is still no response. I email them back and they do n't reach back to me. I have no other mean to communicate with them. It is just really inconvenient that this happens right when the price of bitcoin is high. I feel like there is no other means I can use to contact them and I am not sure what else to do.
I paid XXXX XXXX in full as they cancelled my account because we had a conversation and I found out someone fraudulent ly entered my account and tampered with my service. So the account was cancelled by them and I paid them only what I owed them {$21.00}. Professional Credit Service wanted another {$800.00} and I contacted them and disputed the entire account as I had paid XXXX XXXX in full. Then Professional Credit Service changed the amount to an additional {$80.00}. but I had already paid XXXX XXXX and the payment was accepted as the check was deposited. I disputed the collections on all XXXX credit bureau reports and they would not remove it. I do not owe them any monies!
in XX/XX/2018 I disputed an inaccurate account with XXXX, Experian, XXXX. The inaccurate account was XXXX XXXX/ XXXX/XXXX account # XXXX.All three credit bureaus stated that the account is verified, The inaccurate account is charged off and I've asked several times sent in letters to all the credit bureau for the method of verification because the account is charged off and the account was sold to a outside agency. And I have yet to get this information about the lender that bought the account.. XXXX and Experian and XXXX has failed to send me the method of verification on this account, How are yall verifying the account when it is charged off and was sold to a outside lender,, but all the failed to send me the Method Of Verification. my rights have been violated ... .and they need to remove this account from my credit file ... they failed to send me proof the account and failed to send me the method of verification,
I am filing this complaint because Experian has ignored my request to provide me with the documentation that their company has on file that was used to verify my accounts that I have disputed. Being that they have gone past the 30 day mark and can not verify the accounts in question, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your attention to this matter.
An attorney company, Nudelman, Nudelman & XXXX of XXXX, NJ XXXX seems to have purchased a debt from the New Jersey Surcharge Violations Bureau, saying that I owe NJSV XXXX .NJSV said they will not discuss this matter with me, as the attorney is handling the matter. 
No more information was provided, even after I requested an itemized bill. In fact, the company representative " XXXX '' flat out refused to provide any information at all. As did NJSV. 

I was simply told these charges are accumulated surcharges. I have paid NJMVC thousands of dollars over the past few years, including surcharges. This alleged debt has placed a stop on my driver 's license, so I 've been unable to renew my license over the past couple of years. 

I am XXXX, but I 'd like to attempt to resume working again. This is impossible without transportation. I live in a rural area where public transportation is virtually non existent.
Not really much to report. Phone # in questions is for our small business and we 've NEVER had a student loan, had an employee or even a family member with or even cosigned on/for a student loan and these folks no matter how many times we have asked politely and also of late " not so politely '' continue to call on a DAILY BASIS and it seems always from different numbers. When we waste our time and manage to get to a real person the company is always the same. XXXX XXXX XXXX XXXX out of XXXX XXXX California. Office # XXXX or XXXX Problem has now escalated as the latest caller has upped the ante to " threats of physical harm '' and stated that she will keep calling until we finally admit we had or cosigned on a loan and that our number was somehow associated to a loan, but they 're always unable ( more like unwilling ) to provide a name of who may of taken out said loan. 

How the heck do we make this XXXX stop, even more so now that the calls have become threatening?
I read about the Equifax hack yesterday ( XX/XX/XXXX ), over the course of that night and the following day ( XX/XX/XXXX ) while at work I became more and more stressed out, I never used credit at all, except for my mortgage. I do n't believe in spending money you do n't have, so I 've never had, and never will obtain credit cards or get loans ( other than for my home ). When I got home from work today ( XX/XX/XXXX ) I immediately went to the FTC website to see what my options were, so I followed the directions, and my information is at risk according to Equifax 's website. I called XXXX, and while I could not get a live operator, I was able to place a 90 day identify theft alert on my credit report via the automated system. 

I just want to be left alone. Let me pay my mortgage, I never want anything else finance related.
This debt was removed do to failure to send me verification. This agency has now put this debt back on my credit report without sending me any notification or verifying documents.
Statue of limitations expired in 2011 with original creditor. Sold to another creditor - reporting on credit report.
I contracted with XXXX XXXX to help me clean up my credit.  They worked diligently on my credit and I now have a good credit rating with XXXX and XXXX, but my Equifax report still has numerous complaints on it that were due to be removed this last XXXX.  They are still there.  I tried to access their web site for complaints but it just went to blank page.  I want them to drop those old complaints that have expired from my report.
American Express is stalking me on social media and calling my friends and family members to collect a debt I owe them. I have explained our situation, and am paying them slowly, but they continue to harass my friends and family.
My mortgage company SunTrust, unilateral and unconsulted changed my interest rate of 2.75 % fix on my mortgage loan agreed, approved and signed under a Permanent Loan Modification from XXXX XXXX, XXXX, on the new following rates : - Since XXXX XXXX interest rate was changed from 2.75 % to 3.00 % - Since XXXX XXXX interest rate was changed from 3.00 % to 3.50 % and interest only mortgage was converted to Principal plus Interest - A letter received from SunTrust mortgage states that they will continue increasing my interest rate basis in a Margin plus an Index XXXX adjustable rate. ( totally against our last year agreement ). 
I consider all SunTrust 's actions took on regards of my interest rate unfair and illegal, and base my statement on our mutually reached, signed and obligated to enforce agreement where clearly indicate of their paragraph XXXX ( c ) : " Under this Agreement, the Borrower 's interest rate for the remaining term of this loan will be 2.750 % '' ( attached you will find copy of my Permanent Loan Mod Agreement reached on XXXX XXXX In addition, I 'm attaching a copy of the recent mortgage statements received since XXXX that clearly shows SunTrust 's mistake incurred that made me overpaid my mortgage. By this mean, I formally requested a review of all previous mortgage interest calculated since XXXX XXXX, and an immediate refund of all extra payments charge as result of this interest increase since XXXX XXXX until XXXX XXXX. Also, I requested new mortgage statements for the month of XXXX XXXX and after using the right interest rate approved by 2.750 % according to our Permanent Loan Modification reached in XXXX XXXX. 
I believe SunTrust should immediately respond and proceed to correct all their mistakes created against me, meanwhile, they should refrain to collect any mortgage amount different than the XXXX stipulated in our agreement.
Consumer has requested to have XXXX XXXX acct. removed or have inaccurate information updated or remove, this account should have never been reported as derogatory.
I am currently having issue with coinbase. They have disabled my account since theXX/XX/XXXX. I can not access my funds, i have submitted a few tickets and sent messages on XXXX but still no luck. I have submitted proof of id and passport on the XX/XX/XXXX. As was requested by coinbase. My email address is XXXXXXXXXXXX.
XXXX XXXX Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called XXXX XXXX. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by XXXX XXXX.
I am being severally harassed XXXX times a day by Toyota financial on my car payment once it hits past due even before the 10 days. I have told them months ago that I would have to pay late due to financial hardship and was working on getting back on track and would never be 30 days late. Every month since I get repeated calls daily I have talked to 4 reps since and told them stop calling me and that I will, and or have scheduled the payment and what date I would pay. I just got off phone after calling Toyota today because they called me from an XXXX are code Illinois number at XXXX in the morning after my payment already processed in my bank and taken out money. Then I tell them not to call again and they call me right back after I told them I was recording the phone call. Also have a recorded conversation from the last guy who was very disrespectful. This company is relentless and causing me severe stress after I have explained my situation and my reason and when I would pay and they do n't care. I feel they have violated the FDCPA repeatedly. My picture screen shots show harassment even after payed and not even late. This is XXXX pages from just month of XXXX. Does n't count every single month my phone ca n't hold that much harassment
I began disputing with the credit bureaus as of  XXXX   2017 . Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus,  XXXX , Experian, and  XXXX . They have never provided me an update regarding me report thus making it difficult for me to review the activity on m y account. I have done research and am aware I should be receiving correspondences between 35 - 45 days which has not happen. In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why  I felt it necessary to express my concern.
I have submitted a dispute in  XXXX     2016 about  the judgement on my credit report for {$1100.00}. I submitted this request to Equifax. I have recently disputed this on my credit report once again to no avail. The judgement was against my husband and my name was on the lease as well. The debt was discharged in bankruptcy. Therefore we no longer owe this debt.
The date for the first incident t was on XX/XX/2018 it doesn't have an amount and the action that was taken from the company ( XXXX/cbna ) is that on my credit report it says that they pulled an inquiry off my credit and I MYSELF NEVER was asked or notified of this incident In any type of way because I wouldn't of allowed this to happen..and also another company named ( XXXX XXXX XXXX XXXX ) did the same exact thing to me on the date of XX/XX/2018 I did not approve or have any type of knowledge of them having a reason to try and pull my credit report and imply and inquiry which in the end added 2 more nonsense accounts to hurt my credit some and I've been working so hard to get my credit up so I can get ready to buy a house for my family! Please do help me get to the bottom of this situation Thank You Greatly!
Bursey & Associates ( or a law office affiliated with the ) called me at my employer and stated that they tried to reach me " 15, 16, 17 times '' in person at the address of XXXX XXXX XXXX XXXX, XXXX AZ, XXXX ( the residence of my parents ) to serve me a lawsuit over a credit card debt of {$600.00}, saying that only once " an old woman peeped through the door and said she didn't know where I was. '' This is inaccurate, since my mother and father said no one ever attempted to reach out to me at their residence at any time. I told them that I would meet them at XXXX that day, to which they replied that " well we tried meeting you at XXXX XXXX, XXXX XXXX, XXXX XXXX ... '', to which I responded that I would absolutely meet them the next day at XXXX. However, no one showed up to my parents residence, but XXXX days later, someone STILL showed up my work and served me with a lawsuit.
I am the co-signer for my son 's XXXX private student loans, and I am the primary signer for XXXX Federal loan l, all XXXX loans with Navient. I paid off XXXX of the private loans and the XXXX Federal loan. The Navient website for the paid off loans reflect a paid-off date of XXXX XXXX, 2016. Due to a delay getting the checks to the correct address within Navient, regular monthly payments occurred which in turn, caused the amounts paid to be greater than the outstanding balance. Consequently, there are now credit balances on the XXXX loans I paid off. So I called Navient to inquire about how and when I would receive the refunds of the overages. What I was told is that it would take XXXX to 60 business days for me to receive the refunds. As I found that answer unbelievable, I called Navient more than once to verify that answer, asking each time I called I why it takes so long. The answers were somewhat vague, but in essence they said they had to make sure the account was paid off, after which they would need to generate a paid-off letter to mail to me. The refund amount owed to me is over {$1300.00}. How absurd to have such a long waiting period! What that does is to give them the use of my money and prevent me from having the use of my money. During the XXXX to 60 day waiting period, they still collect monthly payments since the accounts are not officially closed, which means the refund amounts will continue to grow. If I stop paying, then I run the risk to being tagged as late or worse, which in turn affects my credit rating. In my opinion, their delaying tactic is a form of thievery, particularly since they will not pay me any interest for having the use of my money during the waiting period. What do you think?
I received a collection notice from Southwest Credit. for {$1200.00} for a XXXX bill. I have never had a XXXX account in my name. I checked my credit report to be sure that there is identity theft issue. I have no XXXX account listed
Over the last 8 years the banks keep asking why the federal agencies ( OCC, DOJ and CFPB ) keep requiring the banks to agree with consent orders but refuse to admit to any wrongdoing. Illegal foreclosures, charging fees above the legal limits, financing terms that are not beneficial to the the borrower ( s ), minimum efforts to keeping people in their homes during the Great Recession and not reporting accurately to the XXXX credit agencies are to just a few examples. 

My personal issue with Wells Fargo is not reporting accurately to the bureaus, discriminating against me for legally filing of a Chapter XXXX, not updating the policies on Reaffirment Forms that the bank is requiring in order to report accurately to XXXX, XXXX and XXXX of my payment history. Wells Fargo refused to accept the bankruptcy reaffirment document prepared by my bankruptcy attorney so therefore nothing is reported at all. As a United States citizen I had the right to file a Chapter XXXX, the United States Bankruptcy Court agreed that I was bankrupt and granted a discharge. Wells Fargo had every right to attend the Meeting of the Creditor during the bankruptcy and elected not to attend, I completed the proper bankruptcy documents and forms which included under " Part A '' to reaffirm the debt under " Property No. 2 '' listed Wells Fargo Home Mortgage with the " Described Property Securing Debt : as XXXX XXXX XXXX, XXXX, TX XXXX which is recorded in XXXX XXXX Texas. '' I have called on multiple occasions that I reaffirmed the mortgage. It would have been impossible for me to continue to hold the liability of the mortgage if I did n't reaffirm the mortgage considering it 's been 4 years since the Chapter XXXX was discharged. Wells Fargo has refused to accurately report the payments since the filing, and has stated that there will not be any future payment history reportings as well. This has harmed my scores which has prevented me to reestablish my credit and is costing me major financial harm. I have paid the monthly mortgage payments on time. I demand that Wells Fargo reports the pay history to all XXXX credit agencies as paid on time from the month that Wells Fargo stopped reporting up until today and every month until the mortgage is paid in full. 
Wells Fargo would have foreclosed on the property either following the laws or not if the mortgage was not paid in accordance to the terms on the Note if the loan was not paid. Why does Wells Fargo decided whether they should accept the reaffirment documents from the attorney or not and why did Wells Fargo not send the reaffirment forms to me or my attorney when they had the legal obligation to do so? 

This needs to be addressed in my favor and it needs to be address right now. I want in writing a letter showing that all three agencies have been sent the payment history from XXXX/XXXX/2009 until present with no gaps. I want this completed and to me right now, not tomorrow, no excuses and I want any and all fees with any charges to my loan removed. Now!!!