WillisBack/dataset-financial-user-claim huggingface dataset:
Cherrington called me requesting payment for a debt I did not know I owed. My utilities that I thought had been paid off, had gone to collection XX/XX/2016, but I was not notified until now ( XX/XX/2016 ). The original debt was for {$300.00} and Cherrington has more than doubled it with fees. I told them I needed to verify the debt and they were pushy to have it paid without verification. After I called my utilities to verify I called back and offered to pay the original debt. They refused to take anything less than {$700.00}, which I did not have. So, they threatened legal action if I did not pay that same day or set up a payment plan that would total {$900.00} if not more. They also brought up an old debt of 10+ years and said they would tack that on to the payment. No legal action had been made on the old debt and I had n't even heard that I owed it until now.
I have a loan from XXXX school, originally managed by XXXX XXXX, which has since been transferred to Navient. In the last year or two, Navient has not billed me or reflected my monthly payment in a clear or straightforward manner. 

For example, in XX/XX/2016 I applied to the US Government and was approved for an Income-Based Repayment ( IBR ) Plan, resulting in a monthly loan payment of {$58.00}. Unfortunately, in my attempts to pay my monthly IBR, I have been misled by both Navient telephone payment personnel and by the company 's website. 

Navient has persistently stated on its website in my Account Summary a " XXXX Consolidation '' payment as being due by me ( currently {$230.00} ), with apparent priority. No statement of my minimum monthly payment, the {$58.00} IBR, is anywhere apparent on Navient 's electronic presentation of my " Account Summary. '' To say the least, this is deceptive. 

After calling Navient directly twice in XX/XX/2016, speaking both times with off-shore call centers in the XXXX, and complaining about this unclear statement of my monthly payment due, I finally learned that, in order to ascertain my minimum monthly payment due under my Income-Based Repayment ( IBR ) Plan, I would need to navigate away from my " Account Summary '' page by clicking on a link entitled " Loan Details. '' Only in clicking on this link, the Navient Customer Service representative informed me, could I learn of the monthly payment I owed. 

Twice in the last year or year-and-a-half, I have made payments of $ XXXX {$320.00} under the false impression that this was the minimum amount owed, or the first priority for repayment. Only after making these payments, supposedly targeted toward " consolidation '' charges, and discovering that these amounts never disappeared, but kept reappearing month after month, did I realize that this " consolidation '' figure being presented by Navient for payment was not a one-time payment for past interest owed, or something similar. 

In short, in the way Navient bills me, I am given a false impression of which balances are payable when, while I am under-informed about the minimum monthly payment due, since I have to dig and navigate around my electronic account page simply to learn my monthly payment due under my Income-Based Repayment Plan. 

If necessary, I can attached a screenshot of my latest Navient " Account Summary '' so CFPB can see what I see as a Navient customer. 

Thank you very much in advance for your assistance!
I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested. Now, I see no less than XXXX XXXX XXXX hard inquiries on my Experian credit report alone. <P/>Frankly, I did n't even authorize the type of application they ran the first time, let alone XXXX more times. <P/>Experian claimed it was only able to remove XXXX of these inquiries and suggested I contact you.
A XXXX XXXX Tax Lien appears on my credit report however, the court document for the tax lien, provided by the Clerk of Superior Court for XXXX County, GA, contains both inaccurate and incomplete information. Per the National Consumer Assistance Plan ( NCAP ), all state tax liens must include the following information in order to be reported by the credit bureaus : ( 1 ) Full Name ; ( 2 ) Address ; and ( 3 ) Full Social Security Number and / or Date of Birth.
The XXXX XXXX court document associated with the lien reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last 4-digits of a social security number, as opposed to the full social security number ; and ( 3 ) no date of birth is noted. A copy of the aforementioned document has been included in this CFPB filing, for review.
AFTER XXXX YEARS I HAVE JUST NOW BEEN MADE AWARE OF A DEBT BY CITIBANK I DID NOT KNOW OF. BACK IN XX/XX/XXXX, XXXX I HAD A FRAUD ALERT PLACED DUE TO MY EX TAKING MY DRIVERS LICENSE AND SOCIAL SECURITY CARD. I 'M IN THE PROCESS OF REFINANCING MY HOME AND FOUND OUT BY LOAN PROCESSOR OF JUDGEMENT ON TITLE OF HOME. I WAS NEVER NOTIFIED OF ANY COURT PROCEDING ' JUDGEMENT AND DID N'T EVEN HAVE A CHANCE TO FIGHT IT. FROM XX/XX/XXXX TO XXXX I DID NOT LIVE AT THE HOME. PLUS I HAD BEEN XXXX IN XX/XX/XXXX AND AT THAT TIME LIVED WITH MY MOTHER. PLUS I FOUND AN OLD CREDIT REPORT OF MINE DATED XXXX OR XX/XX/XXXX AND THIS SAME ACCOUNT FROM CITIBANKXXXX HAD BEEN CHARGED OFF AND WRITTEN OFF FOR THE AMOUNT OF XXXX I DO N'T UNDERSTAND WHY XXXX MONTHS LATER THEY WOULD PLACE A JUDGEMENT ON SAID PROPERTY TITLE.
This debt with XXXX XXXX just appeared on my credit report. It came from XXXX XXXX. The amount is {$800.00}. My identity was used in connection with this debt and I have just become aware of it. Several accounts were set up and used with XXXX XXXX. I do n't owe this debt and it needs to be removed. I have contacted all agencies and informed them of identity theft. The fair solution is to have this removed from my XXXX XXXX and XXXX reports immediately.
If you make payments online the website constantly crashes before completing the transaction or is simply " unavailable '' & prompts you to call them. Calling to make a payment is a {$9.00} fee and they refuse to waive this fee although it is THE ONLY option they give you when website never works.
SECURITY CREDIT SERV XX/XX/XXXX date opened XX/XX/XXXX dated reported This is not mine
in XXXX I purchased a property, with 1st TD and 2nd TD. I was deceived, and my payments went to high. and I could not afford making payments on 2nd TD, I looked assistance to get a Loan Modification with 2nd TD, and 1st TD as well. 
lender of the 1st TD, they provided a Loan Modification, I am current with them now.for several years. 

on the 2nd TD, this loan has been sold several times, almost every company who had it, did not pay attention to my request for a Loan Modification. 
Because i did not have any resolution on my request for loan modification, I have not made any payments on it. 
The current company who owns the account is Trinity Financial Services LLC, on or about XXXX XXXX, XXXX, they started to collect for this account, i spoke to them, and nobody paid attention, then I went to a XXXX XXXX  HUD approved, who previously helped me to get a Loan Modification on the 1st TD, and on approximately XXXX XXXX, they helped me to submit a Loan Modification Package to Trinity Financial. 
They received the package and eventually they requested more income documents and more explanations, which I submitted. It has been taking very long time, and no decision, they took the file to Upper management to get an approval, they review the file, and requested more documents, which I submitted, they did not respond, i had to call every week to see if any decision. 
There are many other actions/activities that looks out of order, and would like to show you, that this company is not complying with Federal Lending Regulations. 
In future correspondence i can provide more information on this matter. But just as an example they denied me and Appeal to their Decision. I was told that after a Denial, I had the Right to Appeal to the their decision. 

I need CFPB, help, I do not want to loose my property. please help me. 
Thank you very much for now will identify myself as Single Mom who does not want to loose her Property. Thank you
I received a voicemail today, XX/XX/XXXX at XXXX CST stating that my immediate attention was required requiring file number XXXX in reference to a complaint that may be filed against me. I was informed to call XXXX to discuss pending allegations. Failure to correspond would result in the department proceeding forward without my consent. 

Not only did they call me, but they have called my uncle in XXXX, a brother and his wife ( both at home and at work ) in XXXX. At this point, I don't know who else they may have contacted. 

When I first called, I only gave the referenced file number, but refused to confirm my full name and last 4 digits of my social. I then asked for them to mail me whatever it was they had on me, and the woman hung up on me. 

After hearing from my uncle and brother, I decided to call back. I immediately asked the name of the company and was told by XXXX XXXX ( XXXX ) that it was XXXX  XXXX  out of XXXX, XXXX. I was also told that I had a pending civil law suit against me for a JC Penney credit card ( owned by GE Money Bank ) and that the account was left unpaid and in collections, until it was charged off in XX/XX/XXXX. They also informed me that XXXX has a statute of limitations of 4 years, but that it wouldn't expire until the end of XX/XX/XXXX. I was told they were already in pre litigation and would be charging me with a 10 year civil judgement. They said I had the ability to settle out of court for the amount of {$320.00}, but if we went to court it would be {$2000.00}. 

I again asked for this information to be mailed to me, but was told they could email me immediately, once they had permission from the lawyer. While I was on hold waiting for this to happen, I pulled a copy of an old credit report that I ran on XX/XX/XXXX by XXXX. The report then clearly stated that I had a credit limit of {$200.00}, a high credit of {$52.00}, a balance of {$0.00} and a past due of {$0.00}. It also shows that this card was paid on XX/XX/XXXX, closed on XX/XX/XXXX and verified on XX/XX/XXXX. Once the woman came back on line, I told her this and that I wanted to dispute the claim. She said that it didn't matter, that they would go off of their records and not mine, and said that I could reach out to JC Penney for verification, but that they would delay filing this in court until tomorrow. 

Now that I have the name of the company, I XXXX them and found several other people claiming that this was a scam, that the company was using old debt for a quick buck to " settle out of court. '' It looks like they also go by XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX, and that they're a phantom group for XXXX XXXX XXXX.
XXXX - I received a telephone call from XXXX to verify my identity XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX- this is a duplicated inquiry, I only authorized said inquiry on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by FedLoan Servicing and then again  by US departmen t of education. All of my student loans were refinanced and consolidated into  XXXX  loan  in 2012, but yet  my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from   XXXX   XXXX   to FedLoan Servicing and then from FedLoan Servicing to US dept of Education. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan afte r in 2012. I   am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after  the 2012    refinance because my loan has remained in auto payment with  XXXX   XXXX  and remained in auto pay even after the current loan was transferred to  XXXX .
I defaulted on promise to pay because my charge card was lost and in the process of being reissued. I notified them I will pay as soon as I get the new card in the mail. They have called me on my cell and work phone over 12 times today, even after they were notified by email to stop calling me at work. They continue to harrass me at work.
I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt.
I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 

XXXX XXXX XXXX  XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )
Rubin & Rothman have engaged in numerous unethical tactics and behavior that violates all State And Federal Collection practices. 

I recently had an identify theft breach in XXXX and was sent a FREE copy of my credit bureaus. I see that R & R have been running my credit on a monthly basis without my permission and in violation of my rights. 

They appear to have obtained a Judgment without ever serving me with any legal papers and without ever properly putting me on notice of the underlying lawsuit. They obtained a fraudulent default judgment on a debt I am certain I do not owe and now they are looking to collect it knowing that my time to open the default has ended. 

Now that I have discovered the issue I have learned that They have used tactics which violate my privacy by contacting friends and family members on their cell and house phones even after repeatedly being told that the number they were calling does not belong to me. Just last week they called XXXX XXXX ( name to be provided ) on a cell phone that is not mine and and inquired about my employment and said they were looking to collect a debt. She informed them that this was not my number. 

Other family members have alleged the same tactics. They have gathered and used improperly private information about me and about my friends and family members. Family members will attest to feeling harassed by these tactics. 

They have also disclosed to a third party that is not my employer that they have obtained a Judgment against me hurting any opportunity I have to do business with that company. They have also informed my neighbors about my debt completely causing me shame in my community.
Contacted the company on several occasions company did not respond back told me I had to send in a letter to the CEO twice regarding the initial letter and then letting them know that I did n't receive a response 2 weeks after the initial letter was sent out XXXX XXXX 2017 and I sent out another letter 2 weeks after then I received a letter stating that they would not do a courtesy removal
Was scammed when buying tickets over the internet. Person used the phone number XXXX to communicate and also the email address : XXXXXXXXXXXX. Transferred {$3000.00} via paypal. Tickets did not arrive.
My mother received the " grandparent scam '' call, supposedly from a nephew who had been put in jail for a DWI and needed money wired to get him out. The " nephew '' then gave the phone to a ( bondsman ) who provided her with instructions of how to wire the money ( Moneygram from Walmart ), and told her my nephew said to tell absolutely nobody in the family about it. XXXX transactions, {$3700.00}, a valuable unfortunate lesson learned. Please note transaction # 2, XXXX {$1800.00} in addition to itemized transaction # 1 included below, also sent to same telephone XXXX XXXX XXXX, XXXX, DE
The interest rate santander charge my car was priced @ {$17000.00} the interest rate is {$20000.00} leaving me to pay {$37000.00} on a used car
Around  XXXX   XXXX ,  XXXX  I sent an dispute letters to Experian,  XXXX , and  XXXX  disputing about the following inaccurate information  : 1.    XXXX   XXXX   XXXX  2.  XXXX   XXXX   XXXX   3.   XXXX   Around  XXXX   XXXX ,  XXXX , I called all credit bureaus for updated investigation status. I was told by Experian that they had received the letters, but has not gotten to investigating  XXXX  yet, but was behind in the mail so they were still investigating  XXXX . Under th e Fa  ir Reporting Act, the investigation should be done in 30 days. That did n ot happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on  XXXX  I  was told by the apartment complex that this same information disputed in  XXXX  was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all  XXXX  credit bureaus.     In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the  manager  to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help.     Thanks  XXXX   XXXX
My BarclayCard XXXX XXXX MasterCard was shut down without notice around XXXX XXXX this year. I later received a letter about a week later indicating that a decision had been made to close my account. 

I did not engage in any sort of malicious or unethical behavior that led to this closure. However, I respect their authority to close at their discretion. 

My complaint lies in the fact that I had over XXXX Reward Miles accumulated on my account that was reset to XXXX upon the shutdown of the account. 

These points had already been earned legitimately and it is unfair to take these away as their value was in excess of {$1000.00} in travel rewards. Upon contacting Barclaycard 's customer service team, they indicated there was nothing they could do. So essentially Barclaycard is saying that it is completely within their right to take away any and all rewards points accumulated at any time they deem fit, which seems quite unethical and I am now out a significant amount of value for no just reason.
This should never been on my credit, this was paid in full and equipment was returned to the XXXX, CA XXXX XXXX XXXX.
I have an unreasonably high payment and interest rate with Chase that - alone - is 20 % of my monthly income. If I were able to consolidate it with my federal loans, I would easily be able to make the payment every month. Instead, I am deferring my federal loans because they allow it, and paying my other private loans as I am able, but forced to pick and choose on a monthly basis which I am able to pay. I have looked into every possible consolidation option, but they all require a decent credit score. I have terrible credit as a result of student loans, exclusively. 
I have explored every possible option with Chase to lower or reduce or delay my payment. They are unwilling to work with me in any capacity, and have repeatedly shunned any effort that I have made to attempt a solution that is tenable. I budget very well, and I have attempted to raise my income in numerous ways. However, my negative credit is affecting my employment advancement, as many employers consider credit history, which in turn is affecting my ability to raise my income enough to meet all my payments. If I were able to consolidate with my federal loans, I would happily go on income-based repayment and repay the loan faithfully until it is paid in full, but this is somehow still not an option, and I did n't understand the difference when I was XXXX years old, and the interest rate was lower at the time than the federal loans, and thought I was making a practical financial decision. I am not attempting to shirk my responsibility, but there are some months when I decide between paying all of my loans/rent/vehicle, versus buying groceries. How is this right? What did I do wrong? What can I do now?
I have  XXXX  store credit cards with Synchrony Bank. A Belk Card, and a   XXXX   XXXX   Card. Within the last 2 months, they have reduced the credit limit on both accounts just when I had the balance down to under 50 %. This has damaged my credit because by lowering my credit limit, they have increased the balance to credit line percentage to 97 %, and 99 % respectively.
In addition, they made this decision by pulling my credit report, and judging my credit history, not from the credit lines I have with them, but by using my entire credit report against me. I have worked very hard to bring these account balances down, only to have that work against me because of these big credit limit reductions. For my Belk Card, they reduced my credit limit from {$300.00} to {$200.00}. The   XXXX   XXXX    card was reduced from {$300.00} to {$140.00}. These changes were not gradual, but immediate.
I asked them to send me any documentation showing that I gave them authority to pull my credit whenever they felt like pulling it. All they would give me was their website for their bank terms. They also said, they had the right to lower my credit limit. Should n't they lower, or increase my credit limit based on my account with them, not others?
They have ruined all the progress I made on those accounts.
The refuse to restore my previous credit limit. They wo n't fix any damage they have done to my credit score. By lowering my credit limit, they have sent a clear message to every other creditor, that they do n't believe I can handle my account. It 's not true. I got these cards to build up my score so I can buy a house, they have hindered my, and does n't seem fair.
Can you help me?