WillisBack/dataset-financial-user-claim huggingface dataset:
My husband who was a XXXX used my credit card to buy a part. And then lost his job. So the CC came last on the list. I was a XXXX card with an available balance of of XXXX. I have had this dispute since XXXX 2014 which is past the 30 days. Now 14 months later I am trying to buy my first home. I have called to try resolve this but they are not will to come off of the fees and added charges. I do not think I should have pay all profit they are gaining from this bill
XXXX XXXX President of USAA today I called about a complaint of consumer privacy compliance fraud violation exocuted by a member of your so called Resolution dept who hacked the online access of a XXXX member 's account. My company XXXX XXXX XXXX would like your response regarding the reason behind referring to a member 's political conservative party or views which is exploitative solicitation. When I recieved a welcome letter from XXXX XXXX into this company it was sincerely regarded that member privacy & the ingenuity of professional & ethical values could be intrusted. On behalf of my corporate associates it has been speculated that these actions were taken on behalf of you rather you knew it or not as a grinching of my XXXX. In regard to leadership & reconciliation I know that asking you to intervene is a plea to administer justification as an example to your subordinates. Last week XXXX USAA declared a liability of a technicality that was suspose to be resolved infractions but after giving my account an {$8000.00} credit limit increase it was not reported to you that a representative of your company exploitively invaded my account integrity. As the principal executive of this company it is your responsibility to monitor the hatred practices of you subordinates. I hope you can help restore my honor of service by granting my online access & credit card privilege that is truley an appreciative heritage.
On XX/XX/XXXX, I e-mailed Brite Financial requesting a payoff amount for me to purchase my vehicle at the end of my lease. They quoted me a payoff in the amount of {$5100.00}, minus the {$1000.00} security deposit, i.e., {$4100.00}. According to Brite, this payoff amount was good for 10 calendar days. 

Prior to the XXXX, I had called Brite for a payoff and could not reach anyone because their customer service line was down. I also went in person to a Carite location ( Carite being the dealership that I went to to lease the vehicle, which dealership finances via Brite ) to ask for the payoff. They then e-mailed Brite to inform them I was trying to finalize the end of my lease. They also told me they were unable to reach Brite on  the phone due to the same phone issues I had already faced. 

On XX/XX/XXXX, XXXX XXXX ( the credit union I am using to purchase the vehicle ) e-mailed me to advise they had received the title and payoff from Brite. 

On XX/XX/XXXX, I spoke to XXXX XXXX ( the credit union I am going through to purchase the vehicle ) on the phone, and they said Brite quoted them a payoff of {$4800.00}, not the {$4100.00} I had been quoted by Brite on the XXXX. I e-mailed Brite that day ( XX/XX/XXXX ) asking them why they had added {$720.00} to the payoff they had quoted me on the XXXX. Brite responded to me that day advising that if XXXX will be the new lien holder, the payoff amount will be {$4800.00} minus the {$1000.00} security deposit, i.e. {$3800.00}. 

On XX/XX/XXXX, XXXX called Brite to try to confirm the actual payoff amount and the representative e-mailed me to tell me she was disconnected after waiting on hold for 10 minutes and was unable to confirm the amount. I called Brite around XXXX XXXX that day and left a message requesting they call me back as soon as possible. I then sent them an e-mail requesting the actual payoff amount, as I had been quoted several contradictory figures for the payoff by Brite.

I should note that I have been trying to resolve this issue and finalize the loan for two weeks and in that time the Brite customer service phone system has been out of service. I have only been able to correspond via e-mail with a specific representative and she has consistently failed to respond in a timely fashion. Additionally, representatives from Brite have called me to tell me the end of the lease needs to be addressed as soon as possible. The payoff quote sent to me by Brite on XX/XX/XXXX ( with a payoff date of XX/XX/XXXX ) does not reflect the {$1000.00} security deposit the representative at Brite said would be subtracted from the payoff. The quote also included language suggesting late fees may be assessed for failure to complete the payoff by or on XX/XX/XXXX. Despite my timely and diligent efforts to clarify this issue, I am being threatened with late fees and Brite is  refusing to resolve the issue in accordance with their own payoff deadline.
I keep getting calls, texts and emails about completing my loan application to get my money fast. I have not applied for any of these loans. I have spent 3 days filling out forms for Identity Theft and filed a police report. I got a denial email XX/XX/2016 for a loan I did not apply for. I have told these companies multiple times to not contact me and remove my name, phone number and email from their list. 

The following companies that continue to contact me are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Clarity Services, Inc. XXXX ( Multiple unauthorized hits on my Credit Report )
On XXXX XXXX, 2016, at around XXXX, an associate from Bass & associates called me at phone number XXXX. Upon answering the phone the the associate identified herself ( however I can not recall the name of the person ) as well as she was attempting to collect a debt for XXXX XXXX XXXX. She asked for my date of birth, which I gave her then preceded to harass me. She never told me the amount that I owed during the phone call. She for the most part hounded me asking how I make ends meet in my household. She stated that they have on file that I received child support, so I have a source of monthly income and they have every right to take it because it is a source of income, and we need to come up with a payment plan. I then informed the associate that I do not have a job, I have XXXX XXXX children and my only source of income was from the monthly XXXX that we receive from the government for the care of our children. The associate then told me that they would take the that from us to make payments. I then informed the associate that they are in direct violation of the FDCPA for implying that the would take funds from us and saying that they have every right to it. The associate then stated that they do n't care and they have every right to take away the XXXX from our kids since it is a source of income.
I had XXXX mortgage companies with loan XXXX. the 1st mortgage agreed with modification, but the second mortgage unable to contact with me, and unable to negotiate. I tried several times, but unable to reach then. Please I need help because, I 'm working alone, my husband is XXXX, and i want to keep my home. thanks.
On XX/XX/XXXX, a visit to XXXX XXXX XXXX had taken place. Insurance information was provided, Full Coverage XXXX, and it was said that no balance was owed. The hospital never reached out via mail or telephone regarding a balance. On XX/XX/XXXX, the account was sold to Amcol Systems Inc. of XXXX XXXX XXXX. XXXX SC, XXXX with a balance of {$1100.00}. The collection account was then added to a credit report, which in how the whole situation even came to light. The collection agency was then reached out to in regards of just gathering information on this collection account. The representative that was spoken to was extremely rude and disrespectful, using obscene and abusive language. When asked to locate the collection account under the social security number of the accused individual they could find ZERO accounts under that social security number. They had to search between different variations of names, telephone numbers, and addresses to even locate an account under the individuals name. When asked to provide documentation to the individual the representative was very hesitant in response, said that it would be sent out, but nothing was ever received. The individual has filed disputes against the collection account with XXXX and XXXX which have resulted in nothing. The individual has also reached out to XXXX, in which XXXX stated that the individual did indeed have Full Coverage XXXX at the time of the visit on XX/XX/XXXX and that they would gladly provide that information. Though, they will not be willing to pay the bill off because you can not file a claim with XXXX if it has been over a year from service. The individual is now reaching out to Consumer Financial hoping to have this reconciled and removed. The bill should have been billed to insurance, the collection account is not tied to the correct social, and the representative was rude and obscene. The contracted was also canceled when the account was sold and wrote off to the Collection Agency via XXXX XXXX XXXX, therefore there is no contract.
Have had an XXXX XXXX XXXX XXXX XXXX XXXX for over 10 years. Always received paper statements. Never had a late payment or problem in all of these years. XXXX suggested that I convert to paperless statements in XXXX XXXX. They said I would get an e-mail when statement was ready. For whatever reason, I never received an e-mail or paper statement for XXXX XXXX. Had a balance of only {$17.00} and payment was due on XXXX XXXX, XXXX. Got a late notice e-mail on XXXX XXXX, XXXX saying past due and charged me a late fee of {$18.00}. Called to try to resolve with XXXX and they basically said too bad. Would not remove the late fee even though it was more than my balance. I told them that if I had to, I would pay the late fee and cancel the card. They did n't much care. They just wanted that late fee. I do not know if this a deliberate attempt to get extra fees from the consumer or just bad business practice. Either way it is not fair to the consumer.
This robo call comes in every day for the last 4 months, I do n't know this company, have no outstanding debt with them and have never received written notice or proof of any debt.
In early XX/XX/XXXX I received a letter from Holloway Credit stating they were about to report a debt of {$3300.00} on my credit for an outstanding medical bill that I had for XXXX ( a medical facility ) from XX/XX/XXXX. This amount included an illegal collection fee for {$820.00}. As I remember it, I became afraid because they said I had 10 days to pay the full amount. So, I submitted a payment for {$3300.00} via my XXXX. Days later I discovered that I had not signed any contracts with the original merchant stating that I would pay a collection fee. As a result, I contacted Holloway Credit Solutions and informed them of this illegal collection activity, and on XX/XX/XXXX, Holloway Credit Solutions credited {$820.00} back to my account. Upon recent further review of my account transactions, my attorney determined that there was NO CONTRACT WITH HOLLOWAY CREDIT SOLUTION OR ANY OTHER THIRD PARTY to pay this debt, so therefore, I am due a refund for the remainder {$2400.00} that I paid to Holloway Credit Solutions for the money they illegally collected with no contract, and while I was under duress of the threat of having this reported on my credit back in XX/XX/XXXX.
On XXXX/XXXX/XXXX I contacted Experian regarding their reporting under Public Records of a balance on a Judgement which was satisfied on XXXX/XXXX/XXXX. They updated my credit report to show the Judgement as satisfied but they still show a balance of over {$12000.00} I asked them why they are still reporting an open balance when the Judgement was satisfied. Their response was to state they are reporting the Judgment as satisfied yet they still have not changed the balance on their report. When I contacted XXXX about the satisfaction of judgement they quickly and correctly changed the status to satisfied and updated the balance to zero. Experian has provided know explanation as to how they can still be reporting an open balance and yet also state that the judgement is satisfied.
I contacted Experian after seeing that a collection was placed back on my credit file after it was removed due to it being inaccurate. They informed me that sometimes their website removes accounts then place them back when updating. i told the rep not after 60 days there is no way you delete an account and place it back, then he agreed with me. He then said he couldn't think of any other reason this would happen and that he did see that it was deleted but he could not give me a copy of that deletion The rep then said that I could dispute the account again if I wanted to. I then disputed the account again letting them know that they reinserted a account that was once removed due to my disputing the account as inaccurate. 

ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX
I was robo signed into foreclosure by XXXX because of the robo foreclosure they aggreed to settle the account for no more than the balance before I missed a payment I attempted to get a loan modification over many months where I was told first I made to much money, then not enough to allow a modification. 
through out this ordeal my arears kept fluctuating, 1 month it was XXXX then the next month it was XXXX. 
I ask for an accounting and never received it My attorney filled for arbitration on the modification and we had a hearing with the arbitrator. 
One week before meeting with the arbitrator I was layed off so the bank told the arbitrator it was a mute point to continue, which I agreed to but made sure I ask for an accounting of arrears for the record and the banks counsel said we would have it in a week.4 years later I am still waiting on it. 
Soon after that XXXX went into bankrupcy and were aquired by Green Tree Capitol. 
Again I started the process of a loan modification and trying to get an accounting of the arrears For 6 months I supplied the information they requested in their time frame only to be told they need something different before they could approve it. 
Durring this time I had a date for sherifs sale of XXXX XXXX 2013 and dozens of letters from Greentree stating they would not pursue any foreclosure/sale action as long as there was an active modification in process. 
In XXXX and XXXX I called Greentree 2 to 3 times a week asking if they needed anything to process the modification and also talk to them about canceling the sherifs sale per their own written policy that it would not be pursued, and was always told do not worry about the sale it would be canceled I met with an attorney in early XXXX, showed him the letters stating Greentree would not purse action while in the modification and he told me that was their XXXX XXXX and they would proceed regardless of what the letters said going into XXXX weekly I submitted more paperwork followed by a phone call asking if they had everything and asked when they would cancel the sale, which they assureed me they would and had plenty of time and then they would send a letter asking for something different. This went on untill a week before the sale with my last conversation was they would cancel the sale. 
The week of the sale I called 5 to 10 times a day and no one would talk to me about my modification and when they would be canceling the sale. 
Finally at XXXX the afternoon before the XXXX sale someone picked up my call and told me they changed their mind the sale was going through and i should not have gotten behind I then called the Ohio XXXX office and someone reached out to them with no avail. 
The result of the sale was @ loan balance {$280000.00} sale price {$500000.00} and needing to move out at XXXX.
Upon checking my credit report I found an account listed in my name ( XXXX ) which I eventually identified as XXXX XXXX reported through XXXX ( XXXX XXXX. XXXX While this account balance was listed as only {$14.00} it was an account that I had never ha with XXXX XXXX. But the account was listed as derogatory/collection/charge off with XXXX missed payments. Account was listed as closed on XXXX XXXX, 2013 but missed payment monthly was being listed consecutively including the current month. I reacted immediately filed a dispute with TransUnion informing them that the account was not mine as well as sending a certified letter to XXXX. TransUnion say they processed the dispute and they marked the account " disputed by consumer meets FCRA '' and continue to report the account exactly as previously stated with same derogatory language. XXXX identified themselves a the reporting agent for XXXX XXXX. Their response was even more gross asking for my social security number and my XXXX digit credit card number after I told them I never had an account with XXXX XXXX ( around and around goes the merry-go-round ). At this point of frustration I have to rely on this Bureau to get results as my efforts are proving futile. All I want is removal from the credit bureaus this erroneous account and a letter of apology from XXXX.
A representative named XXXX from a company called XXXX XXXX out of a Texas called two family members of mine saying they needed to serve me with papers. 

My mother forwarded me the number they called from so I returned the call. Spoke with a woman named XXXX. She claimed I was not supposed to be given this number but said she would help anyway. She informed me I had an account with XXXX XXXX from XX/XX/XXXX that had gone into collections in XX/XX/XXXX. I've never received any mail, calls or emails regarding this. She informed me that if I paid {$760.00} by XXXX XXXX today ( XX/XX/XXXX ) I would be served with a summons. She claimed I could use anyone 's credit card so long as they signed the paperwork she would be emailing to me. I never received an email. 

I contacted XXXX/Wells Fargo. The collections department informed I was in good standing with them and that there was no record of my account or debt. Regardless of the amount of time that passed there should still be a profile for me and that there was none. They instructed me to not pay or provide information to XXXX XXXX  and had no record of ever using them for any purpose. They also informed me that they never threaten to sue customers over past debt and that they've had an influx in scam calls recently. 

When I called XXXX back I did not get an answer at first. No answering machine either. I called again and informed her of what the bank said. She immediately became unpleasant and offered to put a manager on the phone. After a brief hold XXXX picked up again and simply said that I would be receiving papers within a few days. I said I'd happily contact my lawyer and she hung up. I've already spoken with someone at the FTC who agreed it sounded like a scam as did the rep from XXXX. 

The number I called to reach XXXX XXXX is XXXX. I am happy to follow up with whomever necessary to make sure this is handled.
Financial Recoveries collection agency ( XXXX ) reported XXXX disputed billed amounts to the credit bureaus both without my knowledge and after I made a payment. 

1 ) For a negative entry of {$100.00} they reported to the credit reporting services, I had never received their correspondence. As a result, I never got a chance to dispute the balance. I made the payment anyway despite my disagreement to the balance my medical provider XXXX XXXX ( XXXX ) tried to collect through Financial Recoveries. 

2 ) Financial Recoveries reported the amount of {$53.00} on XX/XX/XXXX to the credit reporting services even after I paid it through their automated system on XX/XX/2016. Not only that, immediately after I received the letter from them for this balance, I faxed a letter disputing the charge. They immediately sent me a copy of the original creditor 's bill which I disagree, I called them and made the payment regardless as I realized I was too powerless to fight the hospital and the collection agency. Still within a few days after I filed the dispute against the charge and after I made the payment, they still reported this to the credit bureaus. 

Their action was relentless and against rules and caused distress and negative impact on my perfect credit history.
We initially had a mortgage with XXXX XXXX, every year in XXXX, they would begin harassing us for a lump sum payment, normally over {$3000.00}, regardless if our payments were up to date, or XXXX behind, then after 7 years of this, they sold our loan to another company, XXXX XXXX, and they did the same thing in the fall of last year. They only owned our loan for a few months. Now ANOTHER company bought our loan, Select Portfolio, they are now harassing us. Calling XXXX times a day, leaving numerous voice mails, coming by my house, etc. I have called back and ca n't ever get the lady that keeps calling me. I try to work full time, my husband does, also, we have XXXX children, and my mother is in and out of the hospital. I have requested numerous times a modification, but noting ever comes of it. They just make more demands. I need someone to help us, and actually listen to us, because I am afraid other have the same issue. The original company, I am sure it is in our original contract, that they could n't sell our loan.
In spring of this year ( XX/XX/XXXX) I sent in my income documents after I got a raise at work so they could re-calculate my Income Driven Repayment plan. The repayment plan I was on before sending in my info was due to end on XX/XX/XXXX. As of today, XX/XX/XXXX, they are still not done recalculating my new monthly payment amount. 

I have called multiple times a month, month after month since sending in my documents, and they always tell me it will be ready in 7-10 days. However, this has been untrue each time. In XXXX they put me into forbearance so I would n't have to pay XXXX XXXX dollars that I would owe without a repayment plan. I am working on the Public Student Loan forgiveness  program, so each month they push back recalculating my loan, it is costing me money that would have been forgiven at the end of that program.
I am in the XXXX and there is a set APR we can not go over. I am being charged XXXX in APR fees.
I have variously disputed several negative accounts from my report. I have disputed several times which i believe should be removed from my credit reports. I have previously disputed various times. Yet, no help. Therefore, I believe these negative accounts should be completely off. Thank you
LEXIS NEXIS continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and Lexis Nexis responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. Lexis Nexis has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.
The issue is the lack of due diligence by the bank which issued a Pick a Pay loan to me in 2008, and their lack of compliance. 

SEE ATTACHED
My credit card account was closed due to inactivity. I was not notified this would be happening. I have/had {$610.00} in rewards associated with the account and now they are saying since the account was closed they are forfeited. I feel this is an unfair business practice since I had been a good customer and earned rewards for my purchases. They should have notified me that my account would be closed for inactivity. Had I known, I would have claimed my rewards and possibly used the account to keep it open. At this point, I would like to claim the rewards that I had earned which was {$610.00}.