WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, after account was settled and paid off, still claimed I owed them money, kept harassing me and brought great damage on my credit score and emotional health, in 2006. 
And this time, kept threating me to with continuing attorney placement pending letter includes phone # collection, which is completely unnecessary. then right after that the company ( Gugulielmo & Associates ) sent me letter stating 'This firm is acting as a law firm. ' I have disputed and demanded verification and in response, they sent me only statements, not original agreement on terms I have signed up, nor application for the card, despite of my request. The statements show many interest and late fees charged. seeking and charging interest and fees without clearly defines 'the term of this extended line of credit and my permission to them to charge those/agree to pay ' in the original contract I have signed up is a violation of FDCPA. 
Then XXXX sued me, so I called to Guglielmo, their Automated answer says, " This firm is not a Law firm, Debt collection agency. '' This is clearly confusing and misguiding consumers, which is another violation of FDCPA. 
This XXXX XXXX and Guglielmo, Collection agency claim to act as a Law firm must be punished for their act of deceiving public.
Since XXXX/XXXX/2017, Persolve has been hassling my work phone and mobile phone with daily calls saying that they are a debt collector and I have a debt to settle. The message wants me to call the number provide XXXX. I refuse to call the number provided as they will request for sensitive information that I will not give over the phone to an unknown company. 
I do not have any overdue debt that has been sent to the collectors. I have my credit frozen therefore would get notified of any suspicious activity.
XX/XX/2018 XXXX XXXX XXXX submitted a hard credit inquiry. 

I did not give Chase permission to do a hard credit inquiry. I was considering a home equity line of credit and decided not to pursue it ; therefore, I never filed or signed anything agreeing to let them pull credit. 

This should be removed from my hard credit inquiries. 

There were no signed contracts or agreements for this.
I had XXXX separate private, student plus loans, through XXXX XXXX XXXX. XXXX loans are current and never carried a missed or late payment status. XXXX loan carrier a $ XXXX balance at 2.5 % AND the other loan a $ XXXX balance at 7.3 %. I saved the money to pay off the 7.3 % Loan. The payment was made with sufficient documentation to direct payment to the correct outstanding balance and credit the correct loan for repayment. The payment was $ XXXX directed to the 7.3 % loan. Instead the payment was redirected to the lower interest rate loan and the over payment only was credited to the higher interest rate loan. I contacted the current loan servicing agent ( AES ) American Education Services and they indicated the correction would be made but with the next loan statement the loan crediting error still exists. I am now writing your organization formally writing the agent AES to demand the loan payment correction be made.
I have ask this company to send me a validation of debt but I have yet to receive one so I dispute thru the credit bureaus instead and they proceeded to place the same debt back onto my credit report twice. This company is so unprofessional and a complete fraud and do not know how to conduct business correctly.
i cancelled my service after my one year term, the XXXX phone company continued to try to charge me for services. i had already moved my service to a different carrier, and after about 4 months they continued to try to collect money that they say i owed, after a while i couldnt believe that they now say i owe over 900.00 for a phone bill. i have tried many times to reason with them, but now the collection agency continues to harrass me, and threaten me with law suites, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  ( XXXX  ) XXXX
CapitialOne has been my longest opened credit card account and had been opened for over 10 years and has a high importance on my overall credit score. I have used the account recently due to the account offering no desired benefits and have not closed the account due to its negative effect on my credit. CaptialOne closed my account on XX/XX/XXXXdue to inactivity without any warning, notice and contact attempts. This closure without notice or cause has dropped my credit score sixty three points downgrading it from " excellent '' down to " good ''. I received a Letter in the mailXX/XX/XXXX informing me of the account closure. Furthermore the letter claims the closure can not be reversed. I have called CapitalOne customer service in an attempt to reopen the account because this closure closed. They refused to reopen the account or let me speak to anyone above entry level management.
In XXXX I went to a Chase Bank at the XXXX XXXX XXXX XXXX in XXXX, XXXX. I wanted to put my savings and checking accounts into my trust which I established in XXXX. 

A personal banker - after checking with the " back office '' - told me Chase can not do that. I could not believe that Chase could not or would not do that. I asked what happens to my money in my accounts on my death? His answer was that if no one claims it the money goes to the state. 

I tried to get him to understand that my trust would enable people to access my accounts. He refused to do anything. 

I wrote XXXX XXXX XXXX, Vice President Chase Bank of J P Morgan Chase at XXXX XXXX XXXX. XXXX, XXXX XXXX. Asking her if the personal banker and the back office were correct in telling me Chase does not do that. She did not answer. I sent another letter dated XX/XX/2018. She did not reply to that letter either. 

XXXX XXXX
Dear Sir / Madam I applied new credit card - XXXX EveryDay Card at XX/XX/XXXX with XXXX opening bonus Membership Rewards points and approved it. 

I confirmed that I can receive the bonus point from online representative at XX/XX/XXXX, but I still did not receive the bonus point. 

When I check it, American Express declined my bonus point because I opened more than 3 credit cards within 6 months. However, I only opened 2 XXXX  credit card within 6 months. 

XX/XX/XXXX Opened XXXX XXXX Credit Card XX/XX/XXXX Opened XXXX XXXX XXXX Credit Card XX/XX/XXXX Opened XXXX Everyday Credit Card In addition, I never heard or saw any terms which I can not receive promotional opening bonus point IF i opened many credit card within 6 months. 

This is unfair. I totally do not understand their decision. Please contact them and solve this problem. 

Thank you Sincerely
On XX/XX/2015, I filed an dispute with Equifax and advised Equifax that voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX, XXXX and XXXX were currently reporting in my credit file. More importantly, I advised Equifax that their is not any clear language in the statue that states voluntarily dismissed chapter XXXX bankruptcies should be included in a consumer credit file and to delete the voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX and supply me with and updated credit report. I advised Equifax my mailing address is XXXX XXXX XXXX Detention Center ( MDC ) XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Equifax. Subsequently, I filed a second dispute with Equifax on XX/XX/2015, and advised Equifax that they never responded to my dispute dated XXXX, and it has pass the allotted time for disputes and they are in violation of the FCRA, and the XXXX voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX should be immediately deleted off my credit file, and to provide me with an updated credit report. Furthermore, I advised Equifax that my mailing address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, NY XXXX. I never received an response from Equifax.
According to Navient, servicer of my U.S. Department of Education student loan, " You can instruct us to allocate payments differently. Clearly write your instructions on a separate piece of paper included with your check. '' I typed and included with my payment a concise letter instructing Navient to first apply a recent payment to XXXX of XXXX particular loans in order to pay it off and then apply any remaining funds from the payment as normal. Instead, Navient split the entire payment as they normally would amongst the XXXX separate loans. They cited " automated system reasons '' for the error when called. I cite they are lying in their own important disclosures that come with each loan statement. The payment has been reapplied at inconvenience to myself with added worry and confusion of what my student loan statement might look like next month.
Account no. XXXX XXXX XXXX XXXX XXXX, XXXX Wells Fargo bank customer since XXXX XXXX, XXXX. 

On XXXX XXXX I received a statement, on XXXX XXXX, XXXX no statement was received. All my payments are sent out on or before due date. ( Please check your records. ) On XXXX XXXX, XXXX, I received a call from a Wells Fargo representative stating, that No payment was received for XXXX or XXXX XXXX. I explained to the representative that, I never received a monthly mortgage statement nor a delinquent notice letter of the amounts past due. I agreed to make payments during our conversation for XXXX and XXXX XXXX, XXXX. In addition, payments was made for XXXX, I set-up an automatic payments to avoid late payments. During our conversation, I continued to explain to the representative that, this should not be reported on my credit report, in which Rep., agreed at the time she will have it not reported and the late payment will be removed, because of no statements were not sent out during this month. 
On XXXX XXXX, XXXX, I yet not to receive a statement from your office. 
I am currently in the processes of purchasing a new home due to damages on my home, due to hurricane XXXX. But, because I have a delinquent notice on my credit report I might not get the loan. The loan officer request that it should be removed immediately. 
Can someone contact me with 2 business days to have this matter removed or I will not seek a new home. This matter shouldve be resolved when the representative stated over the phone. 

Sincerely, XXXX XXXX XXXX
Around XX/XX/2016 my lease was ending and I was contacted by XXXX   XXXX XXXX, a local dealer who I leased the vehicle from 3 year prior. They offer to do my lease termination if I purchased a car from them. 
A couple of weeks later after setting up appointment, I went to the dealer, ended my lease and bought a new car from them. 
1 month later world Omni calls me saying I was late on my lease. They had not been notified that the car had been turned in at the dealership. THe dealer ignored my call for a week and finally 45 days later they admitted the had no idea where the car was. 
Once they finally found the vehicle it appeared that the car had been driven by someone during this time. THe financing company said there was wear and tear above and beyond normal and they wanted to charge me for this.
I can't temporarily unfreeze/lift my credit report at Experian. After three attempts, each ending in a system failure, see error below, I tried to identify the correct customer support phone number on their website. Their website contact information options are quite clear : there is no way to get support on this issue. So I am reporting it. The error I received is provided below : We are very sorry, we seem to have run into a technical problem with our system and are unable to complete your request at this time. 
Please try again in a few minutes. If the problem persists, contact customer support. 
Error Information Http Status 400 Group 11
I have one private loan along with Federal Stanford loans. When I asked if I could reduce the interest rate or reduce payments I was to, d that I could not change the terms. I was transferred around and really given the runaround.
I sent {$30.00}. to a friend in XXXX via western union on XXXX/XXXX/2015 from home using my XXXX. The charge was processed and I received a pop ip saying the transaction was being held for review. The funds are still held up and its been 12 days. I have e-mailed WU 3 times asking to either release or resend the funds back to me and they ignore my request. I have called them and still no satisfaction. My friend went to the WU office 3 times to collect the funds and was told they were being processed. After 30 days you cant get the funds back. I want my money put back into my bank account where they got it. I have sent money via WU many times and have a gold card with them and I have never received this kind of treatment. I was charged for money in minutes and do think I am due a refund of this charge. Transaction # XXXX
I demanded that the following accounts be removed from my credit report : USA Funds Account # XXXX, USA Funds Account # XXXX
I had XXXX XXXX XXXX XXXX XXXX service. When I moved I called to close my account. I was told to return the equipment to XXXX. The equipment has returned and I have the receipt. 

I was contacted by a different collection agency in XXXX XXXX and I sent a copy of my receipt. In XXXX XXXX I leaned a collection item was on my credit report. I sent SW Credit a copy of the receipt showing I returned the equipment. They have not removed the collection team from my credit report.
On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My U.S. Bankruptcy Discharged was final on XX/XX/XXXX.  There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy Case # XXXX XXXX. Judge XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.XXXX
Convergent Outsourcing XXXX XXXX Attorney General Attorney General XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : {$680.00} To Whom It May Concern : Convergent Outsourcing - I do not have any obligation to this debt you are inaccurately reporting on my credit bureau nor have I received appropriate notice from you & you are in violation of my rights! According to my credit file you reported this debt opened on XX/XX/XXXX, last reported XXXX/XXXX/XXXX ; I check my credit vigorously this information appeared on my credit report within the last few days I just checked my file not even 4 days ago so how you are reporting an open date nearly 2 years ago is beyond me! Pure XXXX! I want this removed from any credit reporting agencies you have illegally reported ASAP! 
XXXX - XXXX is this XXXX, it says you are the original creditor but that does n't make sense my account with you has never been late and I pay my bill. I thought this was the uncarrier XXXX - this is so out of the blue and VERY annoying, I suffer from XXXX and XXXX and do not need these irritations in my life- I do n't know who got my account mixed up or whatever but I do not owe this money! If you do n't correct this swiftly I will end my tenure and take my business to someone else more competent. 
Attorney Generals - I am formally filing a complaint against both of these companies for the false information they placed on my credit bureau report! This is ludicrous! Absurd! XXXX!! 
Regards, XXXX XXXX
I have an account with coinbase for cryptocurrencies such as Bitcoin, Ethereum and Litecoin. I have over $ 20k in my account. Two weeks ago my security was compromised so Coinbase locked my account. Since then I have not been able to get support or access my money to trade on information. I have escalated through every available channel including XXXX daily and received one support email to my ticket that asked me to repeat my problem.
wells chg me XXXX on XXXX/XXXX/15 there is supposed to be no chg as this is a short sale. 

Weells is supposed to pay all atty cost, XXXX XXXX and to me XXXX in moving cost. 

They have yet to get a closing date on this pty.
Citibank obtained my name, date of birth and address and pre approved an {$8000.00} ready credit card. I do not know where they got my personal details since this an am American Credit card company and I live in XXXX. They then kept offering me unsolicited credit card increases to the amount of {$25000.00} without checking my income or any verification. They then applied a credit rate XXXX times the amount of what the original rate was. I tried to cancel several times and they refused. They eventually lowered to rate to keep me as a customer. I have complained in XXXX but not much was done due to FOS being bias and on the bank side, they have reduced what is owing but they did target me because I was in my early XXXX 's.
XXXX  refuses to remove a foreclosure from my credit report even though it is well past the  7.5 year s beyond the FCR A Date of Compliance. Under FCRA 609 ( a ) ( 1 ) I d id request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance  as  XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from   XXXX   XXXX   XXXX    and at that time re -- aged the terms of the loan which is illegal and is being reported t o the CA State Attorney General,  XXXX , and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.
My husband and I are having trouble understanding why did our mortgage company decided to extend our terms of our loan without our authorization. We did not know this until we realized that our payoff amount was too much! Wells Fargo Home Mortgage used a routine but, little notice form to sneak through mortgage modifications on unsuspecting homeowners. Our original loan was XXXX dollars and now its XXXX dollars plus escrow is XXXX as well as almost another XXXX to pay off our loan. That 's double the amount of the original loan. They modified the loan years ago and they did it to benefit from adding more years to the payoff time to get extra interest income generated by longer home loans. They asked us to pay three payments for a permanent loan modification, but that did n't happen.They foreclosed on our home and had a sale date. We had to file a chapter XXXX to save the home because our lender would not give us any options because they, said we owed too much on the loan. They are the reason why we owe this much! the HAMP program is being used by this company and others to collect cash from the government and to eventually foreclose on peoples houses, and make it harder to recover. I need them to explain the hidden fees, and I believe that they have set us up to fail, and that we are worse off than before. I want them to try to find a workout plan for us, who have fallen onto hardships and had a XXXX in the family, as well as loss of income do to XXXX. They are not helping people, but making money from the hardships of homeowners. They make {$1500.00} per modified mortgages that eventually ends up in bankruptcy. We are in bankruptcy now, but the payoff is not correct. They are not using the HAMP money in the right way.. Wells Fargo Home Mortgage is ripping home owners off, and the people who regulate them are not doing a good job of protecting the homeowners. We bailed the big banks out, but who is bailing us out! They are getting rich off the backs of poor and middle class people. Why do we have to fill out stacks of paper exposing our privacy, but the banks hold back everything that they do n't want the public to know. If we just ask the government to help us to help ourselves, its a handout! That was our tax dollars that we work for. When will we get our American dream? Suing these companies is n't enough, because the lawyers are going to get all of the money. We need to stop giving them money to do their jobs. They should not be paid to do the right thing. Why is the government paying them to help struggling homeowners to keep their homes.If we stay on this path, the country will stop believing in the American dream.Banks used to be the very thing that we could count on, and now they are the only ones getting bail out! Thank you,
XXXX  has been non-compliant with removing the unverified account H P SEARS CO, INC Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that H P SEARS CO, INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XXXX   and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with  XXXX  ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from  XXXX  to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since  XXXX  runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.
In XXXX, I moved from my principal residence in Washington DC and discontinued my landline/internet/cable service with XXXX. XXXX included a termination fee on my final bill, which I believed was improper. Nevertheless, after spending hours trying to get this resolved, I finally gave up and decided to pay the full amount due and in dispute. On XX/XX/XXXX, I paid {$490.00}, re : acct # XXXX by personal check to " The CBE Group '' - the collection agency that is the subject of this complaint - to which the debt was referred. Now, more than 3 years later, in XX/XX/XXXX, I was contacted by another collection agency ( XXXX, XXXX XXXX XXXX, XXXX MA XXXX ) about a debt owed to XXXX. I told XXXX that I already had paid the debt and then I called The CBE Group XXXX XXXX ) to ask for confirmation that they received my payment and discharged the debt. The agent I spoke with at CBE ( I believe, a XXXX XXXX XXXX (? ) ), was extremely rude and refused to offer any help, suggesting that I contact XXXX or various other options, even though it was to The CBE Group that I made my payment and which cashed my check. I have asked my bank for a copy of the cancelled check and expect to receive it shortly. In the meantime, I am shocked that The CBE Group, which received my money and cashed my check ( and confirmed over the phone that it had received the check a few days after I sent it ), refuses to give me any written receipt or confirmation that it received payment in full. My request is that The CBE Group provide this documentation.