WillisBack/dataset-financial-user-claim huggingface dataset:
I do not have specific dates or times, but I took out a loan for XXXX the repayment was XXXX. The payday loan company advance america was informed when I took the loan that I had date specific pay dates. I paid on the same day every month. One particular month I was told that the specific date that needed to be drafted could not be accepted. I explained that the funds would not be there due to not getting paid on that date. Representative said okay and that they would still draft and continue to try and draft. Account was closed. I called the company when I received tax funds last year to pay, but was told that the settlement amount offered a month in advance had expired and that I had to pay XXXX more than what was originally owed. I looked up the laws, so is it fair to say that I now ow XXXX dollars from a XXXX balance? It stated that one NSF Fee was allowed to be charged. Where did the XXXX come from. My job old job has been called several times about the matter and company was told I no longer work there. It is unfair when I tried to pay the company last year and they refused to work with me. I can not afford the XXXX, but have read about court, garnishment, and so forth. I know it can not be criminal charges, but I can not afford a civil lawsuit either. The company came up with a repayment plan, but the amount of the repayment was much more than what I could afford. The company does not care about what you can afford to pay back at a time they want the amount they want or nothing.
I received a phone call from XXXX ( XXXX ) XXXX XX/XX/18 XXXX, which went to my cell phone voicemail with a recorded message regarding the following : This is final courtesy call from the Weinberg Mediation Group . Before reporting that you've been uncooperative in the investigation against you, if we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your noncompliance issue to the proper jurisdiction. Our office number is XXXX again thats XXXX thank you good day I have not received any other information nor communication otherwise written or verbal from this group and/or office regarding any alleged debts. The person does not leave his name or ask for a name of the individual hes seeking. The tone of the person leaving the message is very demeaning. 

I have not tried to contact this mediation group and dont plan to based on my legal rights.
XXXX XXXX XXXX continues to call and text my phone about a debt that I don't recognize. They say they're calling on behalf of Why Not Lease It, whom I've never done business with to my knowledge. I have contacted the company, and they are unable to provide me proof of any transaction made. 
XXXX XXXX XXXX told me that they don't have to verify the debt. I've asked them to stop calling me more than twice and for them to communicate with me via partial mail.
CFPB closed my complaint and that was wrong to do so. 

EXPERIAN says i need to provide a written request from my address for a 7 year fraud alert, along with my XXXX POLICE REPORT from XX/XX/XXXX whereby it state I am a victim of identity theft. 

On XX/XX/XXXX, both items were provided to EXPERIAN and they refuse to grant the 7year fraud alert. I have already spent months and months trying to resolve this nightmare after finding out the 90 day fraud alerts expire and the fraud comes back at a rapid pace because you have eliminated that ALERT and allowed my credit score to be ruined since the inquiries have plummeted my score over 60 points in 7 months thru NO FAULT of my own because I have NOT applied for ANY credit for the last year, NOTHING expect XXXX XXXX XXXX XXXX before I was notified that XXXX breached my data and exposed my SSN, DOB, names and address to CROOKS.
XXXX XXXX of IQ data international has called me repeatedly over the last few years threatening that they will ruin my credit. Harassing me about a large lump sum of money I dont owe them. Threatening to call my employers and family members to retrieve money at all costs. Ive seen stories from others on how harassing and vile she can be. Ive asked to be transferred to someone else within the company, a manager or ANYONE else, she just snickers and talks down to me.
When I got my XXXX XXXX ls they still have my loan on my creit score for XXXX and it should be off by now
I am about to refinance my house and checked my score to see that I have 2 debt collections from Progressive Management Systems. Both collections are for different amounts. One for {$560.00} and the other for {$330.00}. What 's really weird is they were both were put on my credit report on the exact same date, XXXX XXXX, XXXX. I have no clue what these are and it 's the only negative impact I have on my score and it 's insanely frustrating. After research of this company I 've seen many complaints of debt collections being reported without explanation and even when people say they pay their debt, they still report it on people 's credit report. Please help so that I can refinance my house and fix my score. Thank you
I called TransUnion about this issue and their customer service would not help and take care of the item on my credit report XXXX hard inquire ) this was an item that was removed and added back again ( if this is of any use, the customer service was very unhelpful ).
First off, these people are contacting me for something that is n't mine. XXXX cell phone bill. I have XXXX of them on my credit report. They are not mine. I have challenged them and filed complaints. How can a person open XXXX accounts with XXXX in a year?? I do not know if someone opened these up in my name or if this is some kind of paperwork error, but these are not mine. I tried to explain that to the man that called me and he laughed at me, said it was n't his problem. He asked me how I intended to pay bill. I told him I was n't going to pay this because this is n't mine and it 's being disputed. He then told me they could take me to court and have it taken out of my paycheck. he called me a deadbeat, and refused to let me speak to a supervisor. Then the following day I received XXXX calls from them. I thought it was illegal to call more than twice? I 'm so sick of this. These accounts are not mine!
My chapter XXXX discharge granted on XX/XX/2009 included my mortgage and Second PREDATORIAL Lending 125percent LTV where the loan was charged off. This discharge stopped me from owing on these loans on a personal basis and any proper residential Liens would survive. So, if I owed nothing on a personal basis why was a loan modification offered and completed when I owed nothing personally? Why was a chapter XXXX claim accepted if I owed nothing personally. 
I was very I'll during these times and you knew it and took complete advantage of a now XXXX XXXX XXXX Man. It goes both ways meaning something can be applied for but to not violate the consumer fraud act by doing nothing on your end where the discharge was in effect and so many other things should have been done on your end as well. This ALL constitutes FRAUD and many other Violations. My current foreclosure is Fraud.
I am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor XXXX XXXX XXXX XXXX with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor XXXX XXXX with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.
I received a payday signature loan from XXXX XXXX. I became behind by a month and a half and they sent someone to my home in their personal car carrying documents containing my personal identifiable infirmation ( Ssn, birthdate, loan amount and etc ). The young lady that arrived at my house called her supervisor whom I spoke to over the cell phone. I expressed my disapproval of some traveling around with my personal identifiable information in their car and for them coming to my home. They could have mailed me delinquency notice the same way the mail me a notice of payment when I make them. The supervisor referered to the home visit as a courtesy visit. What is courtesy about it? It is a form of harassment and embarrassment. I do believe this is unethical and maybe even illigal. I could contacted the parent company which is Southern Management, but did not get a call back. I contacted the TX AG office and filed a complaint. I think this company need to be investigated because they should not have an office employee carrying around documents containing my personal information. It was late in the evening and I asked the employee if she would be returning back to the office with the documents and she said no, she would proceed to her residence after leaving my home. So that means she took my personal identifiab information that could be used for identify theft to her house.
Took out pay day loan from XXXX .... at ( as I found out later ) outrageous interest rate over 200 % APR ( at least ) Attempted to resolve the matter ( to reduce APR ) the refused to. 
They tried to get money out of me- I blocked them. 
Over 15 months later I get threatening calls from Trademark Management Solutions XXXX, stating that if I dont cooperate with them, they have server in the area to file criminal charges against me. They started to call everyone with the same last name and threatening them too. 
When I called back they said they were mediators and coned me to agree to pay them {$300.00} per month till I payoff ( {$5000.00} ). 
I paid them XXXX {$300.00} each time by my debit card so far, called to change due date and requested a slightly lower amount ( {$220.00} ) - they refused and XXXX thing this morning I received a phone call from someone called XXXX XXXX stating she is local locator and she will be visiting me @ the place of my employment or residence with some court papers. 
At which I emailed them Cease and Desist letter ( to the same email address they were communicating with Me from ) and emails starting to come back as not able to communicate over the email demanding to call only. And then it changed to can not accept emails also. 
I did research on the firm and found a lot of complaints and there is even law firm investigating for threatening people with the same type of messages that I have been receiving from them. 
They Need to Be stopped and outlawed!!!!
On XXXX I received an alert stated that a hard inquiry as been made on my credit report. Their should not have been any inquires because I have not applied for anything. However, there was a hard inquiry from Consumer Portfolio Services. I purchased a vehicle from them in XXXX of XXXX as a desperate buyer. The loan itself, I will file a different complaint. I disputed the inquiry with the credit bureau and they did n't remove it and I have attmepted to contact XXXX but it only takes me to their collections department. More recently I received a letter from their attorney for debt collection.The company operated with a XXXX mentality and I no longer want to be silent about their way of doing business. They had no right pulling my credit report. No right
I have been working with representatives at FedLoan and XXXX, in the process of consolidating some of my federal loans. I am doing this specifically because some of my federal loans are already PSLF-eligible, and I have been paying on them for over 4 years. Others, I recently realized, after previously been given incorrect information, are not PSLF-eligible. I was advised to consolidate only those loans, so that my payment can be lowered, and then those loans will also be paid, and the payment being made towards eventual loan forgiveness. In the transition of my loans from XXXX to FedLoan, a representative at some point processed the consolidation, and un-known to me, a previous attempt at doing this negated my 30-day window to reject the consolidation if something was wrong. As a result, all of my loans were consolidated, this making 4 years of payments I had made on PSLF-eligible loans obsolete. I have been dealing with FedLoan for over 6 months at this point, have complained to the Federal Student Loan Obmudsman, and have gotten nowhere. FedLoan 's consolidation department has said to me over the phone they could see where the error happened, but told me nothing can be done, the loans are consolidated, and I am out to luck. For the 5+ months, I have been given contradictory information from all loan servicers, have tried to document and follow-up with requests for information, and am at a point now where I have nowhere to turn. I am trying to make the most of the federal policies that have been outlined - my wife and I both work in education, all of our student loan debt is through public loans, and neither of us can get the cusomter service needed to ensure our loans are getting paid correctly and are PSLF-eligible.
I went to XXXX to request my credit reports. Entered all the correct information ( checked it twice ). Its really not difficult. However, the website replied that they are unable to give me the report online. Is this a scam? I need the report urgently. I am not going to mail them my information so it can get lost or stolen. Why is this allowed to occur? I thought we were trying to help fraud and identity theft yet we can not help ourselves. Really a bad process.
TransUnion file number is XXXX. The Transunion credit report dated XXXX/XXXX/15 has numerous ( at least XXXX ) charged off authorized user accounts that should have been removed. I am not legally responsible for repayment, nor am I under any legally binding contract with any of these authorized user credit cards. In fact, both XXXX and XXXX has removed these accounts immediately upon dispute.
Never got a account with The creditor and stablish credit with or card or i was bill for it However, i was found out that a 3rd party collection company reported me late with a balance of {$97.00} Jeopardizing my ability to obtain credit somewhere else This a real violation of my consumer rights and fair credit act I called XXXX on XX/XX/XXXX @ XXXX and spoke with credit representative XXXX XXXX Who confirmed that I never had any credit or nay relationship with the creditor And even had different address shown on their data base confirming that person was NOT me Rep recommended to have a direct dispute with the 3rd party agency since the account was wrongfully Charged off
I applied for financing via XXXX XXXX on XX/XX/18. I received an immediate denial letter stating my credit score was XXXX reported by Experian. I have an XXXX account which shows my Experian score being XXXX as of XX/XX/18. I've tried reaching out to Experian with no results.
My husband and I are in the process of moving and purchasing a home. In anticipation of this event I pulled our credit to check credit scores. Upon doing so I discovered a defaulted SYNCB/XXXX  account. Over two weeks ago I submitted a fraud complaint. I then received a response from XXXX stating that the creditor verified the account as accurate. I then called Synchrony Bank to discuss the fraud claim. The first person I spoke to said that we could simply pay the claim. NO WAY! I then asked to be transferred to another agent. They said that the process would take 10 to 60 days. We hope to close on a home in less than 60 days. That agent said he would transfer us to the investigator and they would take our information. The final agent said that she could do nothing to help us expedite the process. Please note the following facts : 1. We currently have 3 open accounts with Synchrony Bank. One is paid off with perfect pay ( XXXX 's ), the second is XXXX 's XXXX with a XXXX balance, charged on monthly and paid off and finally XXXX XXXX which has a balance on automatic pay and paid perfectly. All three accounts have our current address and correct phone number. 

2. The address used to obtain credit is a home we have not owned since XX/XX/XXXX. We have not lived in that home since XX/XX/XXXX. The account was opened in XX/XX/XXXX. 

3. The first agent I spoke to said that they reject all fraud claims made through the credit bureaus by consumers. 

4. We have never had a late payment or any derogatory credit. 

5. The interest rate on the mortgage will be higher due to lower credit scores. 

6. The agent was in fact not the investigator and she made the following statements : A. There is nobody with more authority than her at the bank B. There is no way to expedite the verification process C. She can not give us the account number in reference D. She can not transfer us to another account manager E. The investigators will not talk to us to help provide information F. Her name was XXXX # XXXX ( probably not correct employee reference # ) G. She wanted us to link our current phone number with the defaulted account! 

The effects of this error will cause thousands of dollars in interest charges and/or possibly lose the house due to delay in processing.
In XXXX, I believe I had completely paid of my Kohl 's Charge account. In order to check, I logged into my online account there. As I did not recall my account information, I had it sent to the email address which I had been receiving statement reminds at. I then logged in and saw that I was entirely paid up. Unfortunately, there was a bug in their system which caused me to login to a prior account with Kohl 's which had been closed. Since then they have fixed this bug, and require the Kohl 's card number rather than email address, so I get directed to the proper account. This issue was made worse by the fact that I moved around that time, so did not receive any written notices. 

In XXXX XXXX, I was denied credit, so went and looked at my credit statement, and found the derogatory information. I immediately called up Kohl 's to determine what had happened. After over a dozen phone calls between them and debt collection agencies, it was determined that they had lost my account and I should call back in a month. A month later, and many more phone calls, I successfully was put in touch with a collection agency and paid off my account with them. 

Since then, I have disputed the account with the credit agency and with Kohl 's directly. In XXXX XXXX, After receiving a written form letter from Kohl 's with a contact number, I attempted to contact them. I have left at least half a dozen messages on their voicemail, but have never received a response.
I went to the Toyota car dealership on XX/XX/2018, allowed them to do my background check ; I was aware that a hard inquiry would show up on my account from Toyota credit, but next time when observed my credit report there were Six hard inquiries on the same day. I called them, and they said it is because you didn't qualify for special financing from Toyota we had to ask other banks. That was a surprise for me since it shouldn't show up as hard inquiries, I called manager of the dealership regarding this issue, and she said it is showing up on your account because you didn't purchase the vehicle. We all know it does not work like that.
Loancare took over my mortgage in  XXXX  of  2017. Paid  previous payments to  XXXX   XXXX   XXXX  without any late payments. After not processing my first 2 monthly payments properly. They but a negative mark on my credit report and sent me a foreclosure letter after seeing the mistakes I promptly paid the past due amounts as well as all the current payments. I believe they processed this neg mark way before the allotted time aloud with out reaching out to me to rectify the problem. Sent letter to them on  XXXX   XXXX   2017 w as told in would be looked into  5 b usiness days afte r 10 i calle d in and was told in would be resolved on  XXXX     2017. Ha ve called in multiple times with no return call or contact from a supervisor. And it is past the 30 days off investigation.
On XXXX XXXX, 2015, I applied by telephone to Citi for the Double Cash Back Credit Card and was rejected. The reason for rejection that I was given by a " supervisor '' was that my annual income was too low, as dictated by the Federal Card Act Ability to Pay provision. I well recognize that I have a very low income, but I think that I was given a one-sided look at my credit worthiness. The XXXX intake worker did ask the amount of my rent or mortgage payment. I told her " XXXX '', since I own my home. They did not ask any other financial questions -- assets or debts. Had they, I would have told them the following : I own approximately XXXX acres of land, have XXXX ownership in another home on the land, have a CD at a local bank, and money in my checking account at XXXX banks ( XXXX in XXXX KY and another in XXXX KY ). I have no debts. Also XXXX or XXXX times I told the Citi employees that I am in good standing with XXXX credit cards ( XXXX and XXXX ) for which I have always paid my balance monthly. I offered to give them my account numbers. They did not want this information. 

In my later reading a bit about the Federal Card Act time and time again was the statement that any credit card issuer must do " a review of the consumer 's income or assets as well as current obligations ''. Thus I think that I was not treated fairly by Citi in my telephone application process for their Double Cash Back Card.
PennCredit Corporation is attempting to collet a debt. I have closed my XXXX account for insufficient funds. I have not used my XXXX account since I called to the agent and I closed it. I just had {$10.00}. Now, they sent a notice of collection. First of all, I am in a hardship ( economy crisis ) and I am not able to pay {$48.00}. They are out of their mind. One again, I have not used the XXXX.?
We purchased a boat 10 years ago and had Key Bank as our lender. Over the past 120 payments, we have been paying late fees in amounts of XXXX. I had contacted them to get our payment date adjusted to avoid the late charges. They assured me they would do this. We recently fulfilled our obligation with Key Bank and based on our timely montly payments, we feel we should be reimbursed the late charges. We always paid our montly payment at the same time, we never missed any payments.
My information was among the data hacked from Equifax. Equifax not only failed to immediately report this security breach, they waited until after selling stock to do so. A security breach is an unfortunate risk we all take ; improperly responding to and reporting the leak is unacceptable.
I have not heard back from LexisNexis regarding a credit report dispute, and it has now been 60 days. I opened a dispute with LexisNexis on XX/XX/2018. The case number that I have refers to this date in the number. I have phoned LexisNexis 3 times in the past month, each time speaking to someone who tells me that the dispute is still in process and that perhaps staff made an error on the date. I have been told twice over the phone that the dispute has been escalated due to LexisNexis error on the date of filing the dispute. One representative ( XXXX ) told me that when I called the first time to check on it after 30 days, the date was changed to that date, XX/XX/2018. 

About the dispute itself : LexisNexis is reporting incorrect information to XXXX on my personal credit report regarding a bankruptcy. An update that appears in court records is not reflected on the record included on the XXXX report. XXXX has verified that it received the information from LexisNexis. 

The bankruptcy case was a discharged Chapter XXXX, not a Chapter XXXX as reported. I disputed the Chapter number of the bankruptcy that was reported.1 ) I am requesting a correction to the Chapter number 2 ) As it has been 7 years since filing, I am requesting this bankruptcy be removed from reporting by LexisNexis .

I am attaching the XXXX dispute, and two US Bankruptcy court documents.