WillisBack/dataset-financial-user-claim huggingface dataset:
The collection agency received a debt from my college that was supposed to be paid by financial aid. I called this morning. Without verifying my information ( other than my name ), the collector gave me the information, and then was very verbally abusive, rude, and even threatened to end the call. She refused to send me information stating that she would delete from my credit report even though she advised that she would over the phone. I advised her that she had been calling a number that was similar to my mothers number, but not hers. ( I have had the same number for 13 years ) she advised that I should have updated the information with the school. I tried to explain that I already had my degree and that I did n't know I needed to update the information. I never expressed a problem paying just wanted to have proof that what she said would happen would happen before I paid and that I had record since correspondence and calls were apparently going to the wrong place. She was very hostile. She refused to let me talk to someone else. she threatened to hang up in my face. She told me that she could email me if I paid when I asked for something while on the phone she started yelling at me for my address. I tried to redirect a few times to calm the call and she continued abusing me and threatening to hang up because I was not going to have it my way. I advised her that I was a bill collector and she advised me that I should know the fdcpa or something of that sort. Her name was XXXX and we spoke today at between XXXX and XXXX am today. I tried to explain that this was supposed to be paid by financial aid.
Sold my house by short sale with an attorney and finalized everything about 8 years ago. I have a letter from Citizens Bank from XXXX Rhode Island stating that my balance is {$0.00} but my credit report states that I owe {$90000.00} This must be a home equity line of credit from the home I sold 8 years ago but it keeps coming up on my credit report. Can you help me resolve this?
This is not my account. I had identity theft. Someone got this loan in my name. Was reported late. Remove from all credit bureaus.

Here 's the police report number XXXX XXXX City Police
In XXXX XXXX the vehicle was a total loss. My insurance paid Honor Finance off. There was a balance owed by XXXX XXXX for the cancelation of the vehicle warranty. They have been calling and harassing me for months. They even tried to sue me in court. But on XXXX XXXX, XXXX the day of the hearing XXXX XXXX paid them by check for the balance owed. But here it is XXXX XXXX and they are still calling and texting my phone i have forwarded them copies of the email between me and there Attorney with a copy if the check and letter closing the account.
I ordered my free yearly credit report fro the XXXX major credit reporting agencies, and discovered there were an account that did not belong to me. So I called the credit reporting agencies for verification on the account. I new the account was n't XXXX. At that time, I called he collection agency, which is Rockford Mercantile agency, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

I sent the police report stating that my Identification was stolen, and that this is not my debt, and I was informed by the collection agency, even though this my not be my debt, they will not be removing it from my credit file. I have also disputed it with the credit reporting agencies, I was told nothing could be done about it unless Rockford Mercantile Agency remove it. The credit reporting agencies only report the debt. The Collection Agency have the wrong address, no SS #, and no date of birth to identify me with, but will not take this fraudulent trade line off my credit report. Please help me.
On XXXX XXXX, 2015, I filed an affidavit of fraud with Suntrust Bank, after reviewing my bank statement and noticing XXXX ( XXXX ) fraudulent charges for the period of XXXX XXXX, 2015. A total of {$940.00} worth of charges stemming from XXXX, Michigan was deducted from my account using my bank debit card information. After submitting the affidavit of fraud to Suntrust Bank, I was given a refund of {$120.00} for XXXX ( XXXX ) of the XXXX charges. I was told that I would need to contact XXXX directly to inquire about a refund for the amount of {$480.00}, in which I did, and XXXX was able to conduct a payment search, located the fraudulent charge and reimbursed the amount immediately. Suntrust Bank then gave me a provisional credit of {$460.00} for the remaining charges, which included a XXXX of XXXX amount of {$310.00}. Several days later, Suntrust Bank reversed the provisional credit all but {$120.00}, indicating that I have a past history of making payments to XXXX and shopping at XXXX XXXX. I do have a history of making payments to XXXX of XXXX XXXX XXXX, but NOT to XXXX of XXXX, which is were the fraudulent payments all stem from. I do shop at XXXX, but in the XXXX area, and NOT in XXXX. As such, I submitted a rebuttal to Suntrust on XXXX XXXX, 2015, and was then told that it takes XXXX days for the investigators to make a decision. I believe it is absolutely ridiculous that I have to fight a bank that I have been a customer with for over XXXX years regarding fraudulent charges. Further, it is beyond understanding why they were able to refund most of the other charges that were also made in XXXX, but refused to reimburse XXXX of the largest charges.
I recently applied for and was accepted into the FHA-approved Home in XXXX Loan through Suburban Mortgage in XXXX. Initially, I was going to go through my credit union but XXXX with Suburban Mortgage assured me that I would qualify for this advantageous loan and persuaded me to place my business with them. I provided him with my past 2 year 's tax returns and all other paperwork needed for the approval. I was approved for this loan in XXXX of this year. He told me that I was approved but failed to mention that there is an income requirement for this type of loan. He called me with 2 week 's to close to advise me that " underwriting '' would not approve my loan because of my income. I watched as my dream home faded away through no fault of my own. He had my tax records as well as my past month 's bank statements which clearly show my income. He then offered to switch me over to a different kind of loan if I would stay with them! I had to pay a {$99.00} fee to take an exam in order to obtain this loan ( which I passed ), a termite inspection fee ( {$50.00} ) and a home inspection fee ( {$350.00} ). Suburban Mortgage materially misrepresented this loan to me and lead me along, fully knowing that I would not qualify for this mortgage. Not only did I lose out on the purchase of my home, but I am now also out financially. I have tried calling his manager, XXXX XXXX at XXXX but he has not returned any of my phone calls.
I have had multiple issues with Universal Acceptance Corporation ( UAC ) They call and text me the day the loan comes due, calling multiple times a day even though I have told them I can not talk on the phone while I 'm at work. They refuse to talk to me via email even though that is really the only way I can communicate during week days, which I 've told them multiple times. They have emailed me just to tell me they ca n't email me however. 
I told them I switched jobs and needed my due dates changed to match my new pay days. They refused to do so until I sent them a copy of two pay stubs from my new job. The issue with this is that I wo n't get my pay stubs until after the pay check is received. During this time, I will be accruing interest. 
Another time I told them I had to spend {$500.00} to get the car fixed so I would be late on the payment. They required me to send them a receipt of the work done. Not to reimburse me, but to prove I was n't lying. They would not extend help to me otherwise. 
Another time I was taken off of a payment plan that I had set up with them because I under paid by XXXX cents. I was told a flat dollar amount which I paid. The neglected to tell me of the XXXX cents. I feel as though they have been extremely abusive in the way they collect debt and that I 'm being pushed in a corner so I owe them more.
I applied for assistance in saving my home with my servicer, SPS. I hired an attorney to help me submit my paperwork to my lender. My attorney confirmed SPS received my full and complete application and all financials and that my loan was under an active review for loss mitigation ( Loan Modification ) as of XXXX/XXXX/2016. My attorney again spoke with SPS on XXXX/XXXX/2016 and confirmed my loan was still under an active review. I was previously denied for a loan modification and my appeal was closed on XXXX/XXXX/2016, however SPS told my attorney that another review was open and they were working on it starting immediately after my last application and appeal were denied on XXXX/XXXX/2016. On XXXX/XXXX/2016 my attorney spoke with SPS and confirmed my loan has been under an active review without pause since XXXX/XXXX/2016 and is still currently under review and awaiting a decision. My complaint is that SPS via XXXX XXXX XXXX, recorded a Notice of Default against my home on XXXX/XXXX/2016??? According to my attorney : RESPA Reg x ( 1024.41 ) states no foreclosure action shall be ordered while a homeowner is under an active review for loss mitigation assistance. It appears SPS allowed XXXX XXXX XXXX to order ( start ) foreclosure against me while I am under an active review ( DUAL TRACKING ), my foreclosure process. Another complaint I have is that they have had my application with everything they would need to make a decision since XXXX 2016. They keep stalling, evading making a decision in order to dual track my foreclosure process and then leave me with no alternative once my time runs out and I am foreclosed. I am told they are required by RESPA to make a decision in 30 days or less. Instead they are making up excuses and dual tracking me and after XXXX/XXXX/2016, THIS MONTH, I will face a Notice of Sale. I feel this is not only wrong, but something the DUAL Tracking laws and RESPS Reg X was supposed to protect me from. My attorney states SPS acts as a co-conspirator for the investor of my loan in evading, stalling and dual tracking me PURPOSELY in order to block me from getting help before it 's too late. PLEASE STOP this very bad servicer from hurting me and everyone else they do this to. It 's unethical and apparently illegal!
Portfolio Recovery XXXX is continuing to collect on a debt that was cancelled and where I received a XXXX from the bank. They also called on Sunday XXXX XXXX 2016 at XXXX. 

I have no other consumer/installment debt.
I received a call from my bank on XXXX XXXX XXXX informing me there was a hold on my account. From a debt owed since XXXX. They told me to call Midland credit management and they informed me to call pressler and pressler. I never received a court order or any letters pertaining to this ever. I informed them that this is clearly identity theft and they told me they were going to persue the case. I called theft identity.gov and i am going to my bank to get a copy of the court order then off to fill out a police report. I have good credit. I just purchased a new car and this never came up. My credit score is XXXX. Clearly not someone that does not pay her bills. I am getting the rin around. Please help.
I told the deck collector named XXXX that I was not currently working and would n't be able to make payment until XXXX he asked me how I was paying my current bills I said that my fianc was because I have been out of work because of my XXXX he then proceeded to say I guess that this dad is n't that important to you we will have to take the next steps. Thanks person that suffers from XXXX this call has extremely upset me and has caused a lot of XXXX when I ask him more questions he told me not to contact him and hung up on me and refused to tell me certain things about this company.
On XX/XX/2016 I was denied a XXXX  loan forgiveness request through Navient. The reason given is that I had taken out a second loan to pay for school after my first year of college. I had worked XXXX XXXX XXXX XXXX XXXX XXXX XXXX which qualified me for this loan forgiveness program. I want to know what recourse I have for this company unlawfully denying me the loan.
On XX/XX/XXXX I disputed XXXX accounts as inaccurate/incomplete with specificity as to what wasinaccurate/ incomplete.on XX/XX/XXXX the investigation was completed with '' new information '' ( documents XXXX & XXXX ) .Both accounts are delinquent charge-offs and do not supply the basic '' date of first delinquency '', as required by FCRA.BOTH do not include the amount of lastpayment and other incomplete inaccurate info. ( documents XXXX XXXX ) .The creditors do not specify these items to completely report because it would then be calculable that both creditors charged penalty fees in excess of those allowable by the XX/XX/XXXX CREDIT CARD ACTwhich was fully implemented just prior to the opening of both accounts.I believe both creditors do not want to be paid ... ..because in writing off excessive illegal fees they make more moneythan if I would pay only the charges allowed by law ... ..so they earn more defrauding the tax authorities and the public.TRANSUNION should have deleted both accounts but they do notbecause the creditors are their customers and pay them to collude.TRANSUNION ISNOT ALLOWED TO REPORT INCOMPLETE /INACCURATE INFORMATION afterinvestigation, especially obvious, on the face of the record items.
I received a letter stating that I was denied a credit card because they were unable to verify my identity however, I never applied for such a card. I tried to call the number on the letter I received but are unable to get through to anyone other than an automated system. I am worried that someone is trying to get credit in my name. The CC company is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX letter dated XX/XX/2018
I have tried disputing this collection debt account. I have requested full verification of this account. I have not had any success with my attempts to get this debt account validated by the credit reporting agency or the original creditor.
I took 3 ParentPlus loans for my daughter 's education at XXXX. Two were deferred, and I was paying on one. I had direct debit from my checking account and set up the account for PHEAA to withdraw an extra {$30.00} a month. When my daughter graduated, I consolidated the 3 loans and termed them out. I also filed a " change direct debit '' form to cancel the extra  {$30.00} per month. However, despite numerous requests and contact with customer service, they continue to withdraw the additional {$30.00} each month. In XXXX they told me it would take an additional billing cycle to institute the change. In XXXX they told me I had filled out the form wrong so I had to resubmit it. In XXXX they told me they would put it into research. The XXXX bill was just released today on the website and it still reflects the additional {$30.00}. I have called them and e-mailed them repeatedly and no one will correct this problem. I am attaching a copy of the bill showing that they intend to withdraw the extra {$30.00} in XXXX. I am also attaching a copy of the direct debit details showing that only {$250.00} should be withdrawn, but they are still taking out {$280.00}. I can pay the bill and am not asking for payment relief - I just want to drop the extra {$30.00} a month.
The mortgage company ( Round point ) failed to set up payment of my homeowner 's insurance through my escrow account, but still charged me monthly for the escrow payment. 

When it came time to renew my policy the money was automatically withdrawn from my personal checking account. The insurance company has sent numerous invoices to roundpoint at theirs, mine, and the insurance companies request so it can be paid through escrow and my personal account refunded, but after many weeks round point has failed to do so. 

They have requested the information and my account notes show the insurance company has contacted them about this many times.
I received a call XX/XX/XXXX, I believe, on behalf of a court summons for my mother. The woman on the other side of the line would n't tell me what the summons regarded, and only stated it was personal business for my mother. I ended up writing down the phone number, and letting her know that she was n't expected a court date, that she had heard nothing of it. She seemed obviously surprised. With that, I took this seriously, and told my mother to call as soon as possible. 

Here 's that number : XXXXShe did end up calling a few days later between XX/XX/XXXX and XX/XX/XXXX while I was at work. Now, keep in mind, my mom 's not a courageous person, and is easily intimidated. I suspect that the thought of a surprise court summons caught her off guard, and activated her flight response in dealing with this asap. Here 's where I believe where she 'd dug herself a hole. She owes money to Aspire Visa, a company I researched, and they apparently have their own issues with debt collection. Apparently, this debt 's been around since XX/XX/2001, according to my mom. His name was XXXX XXXX. They verified the last XXXX digits of her ss, and started at a high number for payment, around XXXX XXXX for her to pay off. They got lower in negotiation, we do n't have much in the form of income, so another debt/bill to pay only adds to the struggle. They took it down to around XXXX, and agreed on bi-weekly payments. She agreed, and gave them her debit card number. I was floored when I found out she did this. They sent her a contract to sign, which she did. Aspire Visa is the original creditor, though there 's no trace of it anymore, and XXXX XXXX XXXX ( a company that does n't even collect debt, I 'll get to that later ), was the debt collector. 

I contacted an attorney for a free initial consolation, l brought him up to speed on the details above, and the main thing that stuck out to him was the 'court case ', the woman also said she 'd put it on 'courtesy hold ' for my mother. This tipped him off, he recommended we stop making payments, so we did, we canceled the debit card my mother was using to make the payments, and here we are. They can not threaten a court case according to the FDCPA. 

Just today, XX/XX/XXXX, around XXXX, the same man my mother spoke to called. I did n't pick up, but I did listen to his message. He left a case number for the debt, stated my mother could still resolve this willingly and to call him back, but it was a 'timed matter '. He did n't give a deadline. The number was also different, XXXX. I researched this number, too, and found it to be linked to XXXX XXXX XXXX, apparently another debt collection company XXXX XXXX works with. I researched both companies, and found that they are not debt collection companies, not the official ones I could find registered in theXXXX. This is all up-to-date, and I do expect more calls from this person regarding my mother.
I signed in Experian credit company '' s online site on XX/XX/2018,  to review my credit score for the first time in my life. 

It was showing {$1.00} for reviewing credit, so I paid {$1.00} using my credit card. I was carefully reading the homepage of the Experian to avoid any additional or hidden expense, also I did not agree to join membership. 

However, I found out today ( XX/XX/XXXX ) that they charged me not only {$1.00} but also {$21.00}. It seems I became a member which I never intended to be and will be charged {$21.00} every month. 

First of all, I had no idea how the site structured to make people enrolled for membership. I cant cancel online like with any other business. I had to find a number to call it. I have already wasted enough of my day to figure out whats happened and to find out how to cancel it. Also, I lost money which I actually do not need to pay. 

When I searched online, there are lots of complains about Experian. Attached is the link to some complaints. This practice of forcing membership without refund should be made illegal. 
XXXX XXXX XXXX
In the wake of the XXXX hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ XXXX can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon XXXX XXXX XXXX to Weds XXXX XXXX XXXX.
XXXX is reporting an incorrect account status remarks from Capital one. 
Capital one should be reporting the following account status remarks " Closed by credit Grantor '' XXXX  is currently reporting account status remarks Chapter XXXX Bankruptcy. 
As of XX/XX/2018 i do not have a chapter XXXX Bankruptcy on file in my XXXX Public Records. 

Please see copy attachment from my latest XXXX  credit report to see the correct reporting status from Capital one.
I NEVER APPLIED FOR XXXX THIS IS NOT MINE XXXX/XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CHARGE ACCOUNT Date Updated : XX/XX/XXXX Payment Received : {$0.00} Pay Status : Current ; Paid or Paying as Agreed Terms : Paid Monthly Date Closed : XX/XX/XXXX High Balance : High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$300.00} from XX/XX/XXXX to XX/XX/XXXX Remarks : CLOSED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Amount Paid {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Past Due {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Rating OK OK OK OK OK OK OK OK OK OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1000.00} Date Updated : XX/XX/XXXX Original Amount : {$1000.00} Original Creditor : XXXXXXXX XXXX XXXX  ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I HAVE XXXX XXXX XXXX XXXX THAT WILL TAKE CARE OF THIS XXXX   XXXX XXXX NUMBER SHOULD PAY THIS ACTIVE
I contacted USAA to inquire as to why my credit card reporting status showed under adverse accounts on my XXXX  report.I was never late with the account. I was advised that the company closed the account and that is why it is reporting as adverse. I specified the company closed the account because I had to go through a credit counseling agency to get an interest reduction and the stipulation for the reduction was that the account be closed. USAA would not negotiate a lower interest with me even though I was not late. I was instructed to dispute the account with the reporting agency XXXX 
I filed a dispute with XXXX because USAA stated they would not change the status. Initially, it appeared as closed. However, the completion of the investigation with XXXX  now shows the account is being managed by a financial counseling program. This addition to my report caused a decline in which my score went from XXXX to XXXX. If USAA did n't have that notation on my credit report before hand why did they feel compelled to place it on my credit report now.