WillisBack/dataset-financial-user-claim huggingface dataset:
The Harvard Collection Services located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX engaged in Unfair Collection Practices and Unfair Credit Reporting Practices. A Harvard representative contacted me regarding a XXXX bill. The Bill belong to a family member that resided in a home owned by me. I previously agreed to a weekly debit of {$25.00} with a different collection agency hired XXXX. The past due bill was transferred from the prior agency and given to Harvard for final collection activity. When speaking with the Harvard representative, I was told that if I paid {$220.00}, the bill would be paid in full, no further collection activity would continue, and this matter would not be reflected on my credit report. I paid the agreed upon amount on or about XXXX XXXX, 2015. On XXXX XXXX, 2015, I received an alert from XXXX indicating that a collection account was added to my report. That Monday, I contacted Harvard. I spoke to a representative who advised that the prior young lady that took the payment did not update the system correctly, which caused this to be report to my credit profile. She assured me that this matter would be deleted from my credit profile. I followed-up a few days later and was told by a different representative that this matter would stay on my credit report until the {$91.00} was paid. ( Please note that the {$91.00} represents fees added to the balance of the bill, and not fees associated with the electric/gas services provided by XXXX. ) I immediately requested to speak to a supervisor and requested to have all telephone calls pertaining to my account pulled and listened to. I followed-up two days later and was told that the supervisor would have the information deleted from my credit profile. To date, it does n't appear that this has happened. As a result of this unfair collection practice of providing false information in an effort to obtain payment of an debt, I have poor credit. My score has dropped from the XXXX to XXXX. I respectfully request your assistance in this matter.
Midland Credit Mangement is continuing to illegal report debt that I am disputing. I have sent certified mail on XXXX occasions stating send me proof of debt the last being XXXX. They continue to state they are not processing my request which is illegal of them. If they do not remove these debts will be bringing suit to them shortly.
United Recovery Solutions of XXXX, KY is attempting to collect on a debt which is not mine. Rather, As I have explained to many debt collectors since 2014 my family is part of the XXXX XXXX XXXX XXXX Data Breach and as such we are part of a protected legal class. To wit, this debt is not mine but rather was incurred by another person or entity as part of their illicit activities.
We appreciate your taking time form your busy day to advise us on this minor detail. 
In 2013, we paid our credit card balance ( less than {$100.00} ) 30 days late. 
Now, going on four years later - this late payment remains as the one and only late payment in our entire credit history spanning decades and 100s of creditors. 
The negative impact of this singular and isolated incident on our credit, on our cost of insurance, on our cost of borrowing - goes far beyond any reasonable penalty for such a minor infraction. Further, continued reporting of this issue contributes nothing to the intended purpose of such reporting, i.e., exposure of higher risk associated with our use of credit. 
We have made several attempts over these years to request assistance from Chase - each time, receiving a different and purposefully ambiguous reason for their inability to make sense out of this non-sense. 
As you have time - would you kindly provide direction as to how we may best resolve this issue? 
Chase Executive Office XXXX OH XXXX Mail Stop OH XXXX Thank you, XXXX
My information has been compromised in the Equifax data breach. Hackers now have all my information, including name, social security number, and birth date.
Hello, I am writing to submit a complaint against Wells Fargo, a company that provided me with a credit card and has charged me with XXXX time interest despite the fact I contacted this company in trying to avoid this charge. 

In XXXX of XXXX I acquired a credit card at the store, XXXX and XXXX. The card was provided by Wells Fargo, and according to the terms of the credit card, no interest would be charged for my purchases for up to a year. Since XXXX of XXXX, I made monthly payments to the credit card. 

In XXXX of XXXX I was notified that the card was no longer valid, since XXXX and XXXX cancelled their agreement with Wells Fargo. This meant that I could no longer use the card, which was contrary to the contract signed by me. I did not care about this ; and I continued to pay my debt. The last payment was due on XXXX XXXX XXXX. I made my payment a couple of days later, unaware of the fact that I had been penalized with additional interest. At the beginning of XXXX, my balance was {$390.00}. Since my payment had been late I was charged {$240.00} in interest. This increased my debt from {$390.00} to {$680.00}. 
On XXXX XXXX, XXXX I called Wells Fargo trying to explain that missing my payment had been an honest mistake, and that I had totally forgot the deadline. During this phone call I expressed my willingness to pay my remaining balance ( which was close to {$400.00} ) in trying to avoid the interest payment. I also reminded the people of Wells Fargo that this account was not of any service to me going beyond XXXX, since the card had been cancelled in XXXX. I naively thought that since we were still within the month of XXXX, the people of Wells Fargo could at least show some understanding and offer a reasonable solution. Yet, after half an hour on the phone and having spoken with XXXX different representatives from Wells Fargo XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, I was only offered a reduction of XXXX dollars. According to Wells Fargo Representatives this was the only help they could offer. 

I am writing this complaint hoping you could stop this company from applying such unfair interest to customers such as me, who despite being late by a couple of days, made monthly payments throughout a year. I am appalled by the lack of understanding of companies like Wells Fargo, who can change the terms of a credit card when they want, but would not extend the same understanding or courtesy to their customers. I believe this practice to be unfair, arbitrary, and capricious. As a result of simple, brief mistake my balance -- on the eve of being paid off -- almost doubled. I understand if nothing can be done to help me, but I honestly hope you can look into this so that other less fortunate individuals avoid getting trap by Wells Fargo 's arbitrary practices. 
Thank you XXXX XXXX
Dear who may concern, I took a student loan from the city bank in XX/XX/XXXX/XX/XX/XXXX and paid the full amount to close the account in XX/XX/XXXX. However, the City Bank made a number or errors that prevented me from closing my account at that time. 

First, City Bank did n't provide important information to me. For instance, I submitted payment in XX/XX/XXXX to close the account. However, only in XXXX XXXX, Citi Bank contacted me and explained that this amount was not applied to the principal as instructed and to close the balance on XXXX loan, but applied by Citi Bank as a payment of future payment instead. In addition, I did not receive any emails/notification of my remaining balance form their company until XXXX XXXX. 

Second, I submitted payment of the remaining balance in XXXX XXXX to close the XXXX loan. Apparently, the payment did n't go through as anticipated, possible because XXXX Bank agent at the time mis-entered the account information. And there was no additional follow up from Citi Bank after this problem with the payment. 

In fact, when I found the payment was not deducted from my bank account balance, I called Citi Bank and asked for the reason. However, the agent could n't find my account information and asked me to send a fax so that they can search for my account. It is unclear why Citi Bank could not find my information : perhaps because Citi Bank agent assigned me a random number as my social security number. Regardless, after sending in that information, I received no additional response from City Bank. After numerous phone calls to Citi Bank in the past, I was left feeling very frustrated as no one was able to provide me with adequate resolution to my queries. 

Therefore, I requested the City Bank to re-appy/re-calculate my balance due with the attached letter that I sent to City Bank on XXXX XXXX, XXXX. If the payment had gone through in XXXX XXXX as I 'd sent it, I should have pay a total of {$5200.00}. Therefore, that 's the amount I asked them to re-adjust and my intention is to pay the full amount and close down the account. 

However, instead of resolving this issue, City Bank kept calling me to request for a payment of larger amount. Also, they disagree with re-calculating my balance, without providing understandable explanations. I tried to have a follow up phone conversations with City Bank on XXXX XXXX, XXXX, but the person who is in charge of was defensive, not properly communicating and intentionally disconnected the call.
AAG is actively engaging my husband, XXXX, to enter into an reverse mortgage with the company. I have informed AAG that I ( co owner of house ) have not knowingly applied for a loan with them and that my husband is ill and unfit to enter into any business relationship. XXXX agreed to purge our information from their data base. However, that was not executed and they are actively pursuing a loan with XXXX.
I have been going back and forth with Navinet about the loan modification that was agreed upon with the XXXX loan. I was supposed to receive a discount on the loan at a 71 % discount, and a 2 % rate once XXXX transferred the XXXX loans bought by Navient were transferred over. 

I filed a complaint and received a reply that they were waiting on my modification agreement to be signed. 

It was signed and sent over. It has not been implemented. The correct loan amount was corrected for the original balance before interest was added and forwarded to the bankruptcy litigation unit. 

Nothing has been corrected and now they are reporting the payments late to the credit bureau which needs to be adjusted to show current and not late, because the modification has not been implemented.
I have been receiving points through an app called XXXX, which rewards me for making purchases with my Capital One VISA card at various retailers. Apparently, a couple of months ago Capital One began blocking the access to my credit card purchase information that I granted to XXXX, and XXXX 's servicing provider ( XXXX  ) can no longer retrieve this information. This is interfering with my ability to receive the points from XXXX, which I use to earn gift cards. I believe it is my right to provide access to my purchase history to whomever I wish ; therefore, Capital One needs to honor my decisions.
a collection agency by the name of " XXXX '' continues to place a XXXX balance on my credit report for an account that DOES NOT belong to me. I have spoke with them directly as well as XXXX and explained that I was a victim of identity theft, which was documented on my credit report and my credit was even " frozen '' at one point while this was sorted out. Unfortunately they continue to report this and is now showing up as being in collection status, which I now need assistance in having it permanently removed.
I heard about the new bitcoins increasing value and that it is a good investment specially if I do n't have a big investment budget, so I decided to try it and start my account with coinbase.com and made XXXX purchases. The first purchase was on XXXX XXXX, XXXX XXXX XXXX XXXX for {$910.00} USD ) and it was available in my virtual wallet on XXXX XXXX XXXX. The second purchase was on XXXX XXXX, XXXX XXXX XXXX XXXX for {$300.00} USD ) and it was available in my wallet on XXXX XXXX XXXX. My account has been XXXX for no obvious reason over the last XXXX weeks and there is no available customer service phone number to contact and they only provided an email and asked me to send them a photo ID and address proof in order to enable my account back. I did send them an email then they send an automated email back saying they do n't receive any requests or complaint on this email anymore and gave me a link to submit a complaint which was very unspecific and did not even give the option to upload the documents they asked for before. I submitted the complaint and they send they will reply to my complaint in few days and it has been more than 10 days and got not no reply. there is another weird thing that happened. when I started my account I submitted my business checking account to do the purchases through it, but the money were strangely withdrawn from my wife bank account. I thought that I XXXX have done something wrong even though I do n't have my wife checking account information on me. I did not really pay attention to this accident specially that they do n't have a clear customer service to contact to address this issue. right now the value of the bitcoin is over XXXX USD, when I made the purchases it was an average of XXXX USD.
XXXX XXXX XXXX and Gurstel Chargo Law firm and XXXX XXXX XXXX  have been garnishing wages on on a old credit card account that was charged off before XXXX. This company filed a small claims judgment in the amount of {$2600.00} XXXX/XXXX/XXXX. In XXXX of XXXX they began more legal action to get the judgment amount. The wage garnishment started XXXX of XXXX and has every year until now. They have thus far collected {$2300.00} since XXXX yet the amount owed on the judgment keeps going up XXXX its up to {$6200.00} XXXX currently because this company is still adding interest on a account that has been closed before XXXX and charged off. I do not feel responsible for these so called finance charges and take responsibility for the original judgment of {$2600.00} which is almost paid up. I think this company is taking advantage and unfairly charging me these outrageous amounts for a credit card I have not had in almost XXXX. These garnishments really put financial hardships on single parents like me who are trying to make ends meet and trying to pay off debt.
Shellpoint Mortgage purchased my home from the XXXX XXXX XXXX on XXXX/XXXX/XXXX. I received a letter from XXXX XXXX stating that it will take from 60 to120 days to review my account XXXX and to just complete the account information sheet that was enclosed therein and return it on XXXX/XXXX/XXXX I received a note stating that I need to pay {$13000.00} by XXXX/XXXX/XXXX or they will foreclose on my home. this is not right they advised me that if there were any past due amount on the ; loan they would place it on the back end of the loan,
I am the cosigner on my granddaughter.s student loan which is XXXX serviced by XXXX XXXX   XXXX. XXXX XXXX reported 4 late pyts to XXXX which were actually late but there were extenuating circumstances which after several calls to both XXXX XXXX and XXXX  ( disputes ) they wouldn't'.t even listen. My granddaughter applied to XXXX XXXX after earning her degree from XXXX XXXX University and paying loans for almost 4 yrs. She ca ; ; ed XXXX XXXX and was told she could have a deferment from paying the loans, therefore, she stopped paying them for 4 months and then was told she couldn't have the deferment so I immediately paid the back payments and thought this was all set. I never looked at my credit report until this year, not knowing there were late pyts on it. I have had to sign for my 4 grandchildren for loans and was signing for my youngest one 's loan and discovered the lates. I have spoke to XXXX XXXX several times and my granddaughter has spoke to them several times and they told me every call is documented. Nobody apparently listened to my request to forgive these lates because of a error ( thinking she was deferred ). They kept saying they're valid lates. She has a perfect credit until this period of time now she has the lates and i do. I am a elderly woman almost XXXX yrs old and have never had a late on my credit report, in fact it was perfect before this incident. I spoke to several people at XXXX XXXX and after telling my story to several people including supervisors all they said was it was a valid late and did not listen to what I was saying regarding the deferment. They told me to call XXXX saying perhaps they could help me. All XXXX  did was investigate and was told it was a valid late and wouldn't change the report. My granddaughter did not deliberately not pay these payments, she thought she was deferred. We need help to get this forgiven. I'm told these are on our credit report for 7 years if these can't be changed. My granddaughter will have to consolidate her loans so she can afford them when she finishes school again but probably won't be able too because of this error. She goes to XXXX School full time and works every hour she can at XXXX XXXX to earn the money to pay these loans She is giving it her all and is volunteering to go with XXXX XXXX XXXX to XXXX to help the less fortunate ; she is really a good and reliable kid, this never would have happened if she wasn't given wrong information regarding the deferment. Please help.
HOW DO COMPANIES MIX UP PEOPLE AND CLAIM THAT AN ACCOUNT IS YOURS WHEN I KNOW I HAVE NEVER HAD AN ACCOUNT WITH THE COMPANY THAT THEY ARE TALKING ABOUT. THIS IS NOT MY DEBT AND I NEED THEM TO LEAVE ME ALONE!!!
I opened a bust buy credit card to earn 10 % cash back, when i received my credit card statement I went online and paid the balance due in full. The payment due date was XX/XX/2017 which was a Saturday, on Sunday XX/XX/XXXX i paid the balance in full typically when a payment is due on a weekend you have until Monday to make the payment. Furthermore when I logged in on Sunday the balance due in full reflected the same amount as my statement. I paid the entire balance a figured that was it. I never received another statement. On XX/XX/XXXX I received a message from the collections account stating I had a balance of {$140.00}. I called and they said I was emailed a statement on XX/XX/XXXX which I did not receive, it was not in my spam either. When I logged in on Sunday XX/XX/XXXX and paid the balance the account said was due in full of {$4400.00} that should have been the final balance. Again I was 1 day late but it fell on a weekend even when that happens with my mortgage they waive the fee if Payment is received by Monday.
Equifax refuses to dispute these items XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX XXXX total amount {$950.00} XXXX XXXX XXXX Open XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Total amount {$1100.00} XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX The amount is {$300.00} XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX {$670.00} is the amount All these accounts are fraudulent and furnished on properly someone stole my identity and used to rack up medical debt the XXXX XXXX XXXX XXXX XXXX   never used XXXX XXXX XXXX and they're showing up on my credit report which Equifax refuses do anything about it
Federal Loan Servicing reported a 90 day late to the credit reporting agencies in XXXX of 2016. I deferred my student loans while I went through consolidation and an income driven payment plan application. I thought that ALL of my loans were deferred while I went through this process. In XXXX 2016, I contacted XXXX, who I thought was the name for the federal government 's organization that handled ALL student loans, to defer my loans while I went through the process of consolidation and applying for an income driven payment plan. 
When I started receiving delinquent notices, having no idea that different organizations carried my student loans, I called XXXX to learn what was going on. XXXX assured me my loans were still deferred and the process was going on as expected. I did not know that there was another organization that I had to talk with to have the payments deferred on these loans. I thought I was doing everything right and was horrified when I learned that my credit was destroyed from the confusing way student loans are handled. 
The process is now complete and I am paying as agreed to Federal Loan Servicing, they have the entire consolidated loans currently. 
I have contacted FedLoan Servicing and have sent them their disputed credit form twice and have been categorically denied ... I do n't believe they have even read my letter. 
Please help me in convincing this company to reverse their negative reporting. Loan # XXXX.
OnXX/XX/XXXX, I called XXXX customer service regarding to an issue with airline fee credit and membership fee refund. They opened an investigation with reference number XXXX. I talked to XXXX whose employee ID is XXXX, he promised to call me on XX/XX/XXXXto let me know the investigation results. I got nothing from him on the XXXX, so I called on XXXX and was transferred to his voice mailbox. I left a voice message and asked him to call me back but got no response from him since then.
calling 15 to 16 times a day each day. Have it on a call log of time and date. starts early morning and last all day
I was shopping at Macys and the sales associate asked if I wanted to sign up for a Macys card in order to save 20 % on my purchase. When I asked if the Macys card was a credit card the sales associate said no. After inputing all my information I was informed that I signed up for a credit card. I never wished to open up an additonal line of credit and I never received the 20 % discount that Macys promised would be given, which I insisted on because I did not wish to receive the benefits of having this card.
Carrington Mortgage reported 2 late payments on my credit report for both XX/XX/2015 and XX/XX/2015. The property was being rented for the previous 4 years and was sold XX/XX/2015 leading me to believe the late payment marked for XX/XX/XXXX was erroneous. I followed the instructions given to me by the mortgage company in resolving this issue but they said they can not give me a phone number for the department that is responsible for resolving this issue. I am now having great difficulty in acquiring a new mortgage for my family.
I opened a business checking account at Wells Fargo with an initial deposit of {$5000.00}. The gentleman who set it up told me that there was some sort of automatic transfer that would make it not incur fees. I never used the account - never wrote a check, never made a deposit, never made a charge - and then when I came back two years later I had {$4400.00} remaining in the account. I could n't believe my eyes ... {$540.00} in charges to just hold the money in a checking account! I think maybe what happened is they charged me a fee that put me under the minimum and then they charged me a ton of fees for being under the minimum.