WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX # XXXX I took a month by month by month mobile plan with them with my own paid up phone. I was require to put a deposit plus 1 month payment ahead. I cancelled my services after about a year to take advantage of XXXX 's incentives and XXXX XXXX XXXX is charging me {$190.00}. They have used 4 collection agencies that had reported me to the credit bureau and I tell them the situation and ask them to produce a contract that I signed showing that I owe this and non can produce one and XXXX XXXX XXXX can not produce it. The present collectoris : Diversified Consultants Inc. XXXX XXXX XXXX XXXX, FL XXXX tel # XXXX
I had a loan with GM Financial that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with GM multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.
1- TD BANK N.A . XX/XX/XXXX. {$3200.00} 2- XXXX XXXX XXXX XXXX. XX/XX/XXXX. {$2000.00} 3- XXXX XXXX XXXX . XX/XX/XXXX. {$1200.00} 4- XXXX XXXX. XX/XX/XXXX. {$240.00}
Opened account in mid XXXX. Deposited XXXX on XX/XX/XXXX. Promised {$400.00} if I deposit for 60 days. Now they are saying I didn't deposit by the XX/XX/XXXX deadline. I reached out on XX/XX/XXXX, and I received a response on XX/XX/XXXX saying that they will not honor the promotion.
Stated debt was opened on XX/XX/1991. I was XXXX and living at home without a job at the time. They have never provided information regarding what this debt is, or any information to prove it is mine, nor informed me of any hearings in regards to the matter except the final motion to claim exempt property. I was not living in the state of Florida when the final Judgement on the case was served in the state of Florida, nor did I receive any notification this was happening.
I keep getting debt collection calls from the telephone number XXXX. 
I told them they have the wrong number and the person they ask for is not at this number, but they just keep calling. 
The most recent repeat dates on my call log XXXX, XXXX, XXXX, and XXXX ... but this has been going on forever it seems. 
How do you stop harassing phone calls at almost XXXX at night?
Hai this is XXXX XXXX XXXX and i got a mail saying that i have been pre-approved for {$1500.00} from Capitol One and after i applied they gave me {$300.00} credit approval account number ending with XXXX and my last four digits of social security is XXXX and i am totally dis-satisfied with there entrust statements and false promises.i know my credit score was bad but they pushed me to apply this card to get {$1500.00} limit but they cheated me by giving me {$300.00} approval I want to raise the complaint on the creditor and i dont dont want any kind of relationship with them and please do close my account with these kind of scammers and my scores should effect even i close this account Please try to help me out with this case and ban this kind of cheater in the market Please contact me on my phone XXXX
Monday XX/XX/2016 at XXXX I was contacted by XXXX with Ford Motor Company . He was very abrupt and was demanding proof of my husbands military status. I was 48 dpd at the time of the call on Monday. I was informing him I would be able to make a payment, to which he advised me was not acceptable unless I brought it totally current that day, and if I failed to do so, would request a Strict Compliance Letter. He made this threat to me only after I informed him that I had not been answering some of their calls because their caller id had changed. They now mask the calls, so that the caller id reads " XXXX operator " XXXX '' - and informed him that the CFPB could view this as a deceptive practice. It was after that point in the call his tone and demeanor changed despite my offer of payment, and he then threatened repo after I brought to light they may have a CFPB violation or concern. I was simplay trying to ask him if they could call me with something other than XXXX as the caller id. - I understand Ford is a First party creditor and is not bound by fdcpa. But they then called me 3 minutes later after this phone call occurred! The next morning They called me every two minutes again from the Caller ID XXXX XXXX OPERATOR. My concern for Ford is two fold. They are treating this account emotionally, as I apparently upset the collector with my CFPB concern, then manually requested a Strict Compliance Letter ( aka repo letter ) even though I had a pending debit on file. Then has called me repeatedly, literally minutes apart. They made an emotional decision, which I assure you if their accounts are audited, you will see their customers do not have a consistent time frame in which the " SCL '' letter is requested, and also that they are performing deceptive practices by having their calls appear os " XXXX '' operator on my phone, where it never used to. I do feel that although the FDCPA does not bind them from repeated calls. Every two or Three minutes, even with a contact from me is a form of harassment. Especially when I had a payment arrangement pending in the system.
My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my XXXX Account : XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX The Following was not authorized on my XXXX or Experian account. XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
2 months ago I applied for a mortgage and in order to obtain it I had to pay down any large debt that my husband owed USAA CREDIT CARD was one of my larger debtor so XXXX XXXX XXXX advisor XXXX XXXX suggested we pay them off in full. I investigated the charges to my account and discovered most of the charges were made after we had moved from our former address and were for XXXX XXXX males would order. I contacted XXXX and found out they mailed out a new credit card to my old address and two minor males at that address were purchasing body building products with the card XXXX sent to my old address in my name XXXX XXXX XXXX. I called XXXX and stopped the card use, determined what my real balance was, paid that off and requested they close the account.
XXXX XXXX 2015To : XXXX/Wells Fargo Home Mortgage XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Case # XXXX, Loan Number XXXXVIOLATION OF PREDATORY LENDING1.Failure to present the loan Rate as first Negotiated by your ServicingAgent. 

2. Loan " flipping '' - frequent refinancings that result in little or noeconomic benefit to the borrower and are undertaken with the primary orsole objective of generating additional loan fees, prepayment penalties, and fees from the financing of credit-related products ; 3.Refinancings of special subsidized mortgages that result in the loss ofbeneficial loan terms ; 4.Using loan terms or structures - such as negative amortization - to makeit more difficult or impossible for borrowers to reduce or repay theirindebtedness ; 5.Using balloon payments to conceal the true burden of the financing andto force borrowers into costly refinancing transactions or foreclosures ; 6.Targeting inappropriate or excessively expensive credit products toolder borrowers, to persons who are not financially sophisticated or whomay be otherwise vulnerable to abusive practices, and to persons who couldqualify for mainstream credit products and terms ; 7.Inadequate disclosure of the true costs, risks and, where necessary, appropriateness to the borrower of loan transactions ;
I just started using American Express Serve. I went to XXXX of their advertised XXXX ATMs to withdraw {$400.00} to pay rent and the ATM malfunctioned, giving me an error message but no money. When I contacted American Express Serve they told me that the funds had been withdrawn from my account and that it would take up to 45 business days to investigate the matter and possibly 10 business days to credit my account. This issue happened on the XXXX. It is now the XXXX and American Express has no update on my claim. Every time I call customer service they just give me the practiced customer service apology but they can not help me. They can not transfer me to the claim department since they do not take calls. I need this mater resolved. I need access to that {$400.00} at this point to feed my family. It is not my fault that their ATM malfunctioned. I having nothing to do with there procedures and policies. All I know is that I need to feed my family and I had entrusted American Express with my money which they will not give me access to.
My debit gift card card was fraudulently used and the entire balance was spent. I purchased the card on X/XX/2017 at the XXXX in XXXX XXXX Ca and loaded a balance of {$500.00}. My card was fraudulently used, charged {$500.00} and drained at the XXXX XXXX in XXXX, CA on X/XX/2017. I contacted Blackhawk network ( BHN ) immediately when I noticed the fraudulent charge. The gift card never left my possession. I submitted the transaction dispute form to BHN on XX/XX/XXXX. I have tried to contact BHN multiple times regarding the dispute and have received no information and have not received a refund of the fraudulent transaction.
Told me in order for legal action to be seized, I would have to pay a lump sum of {$720.00} or XXXX monthly payments of {$370.00}. I only had until XXXX/XXXX/16 to make either payment arrangements. Which was 7 days from the date I was contacted. Advised that my wages would be garnished and/or my taxes would be taken once they 're filed if I had n't made arrangements by then.
On XXXX XXXX, 2016 I issued an electronic payment from my E*Trade checking account in the amount of {$2700.00} to XXXX XXXX by mistake. This payment was delivered to XXXX on XXXX XXXX, 2016. E*Trade confirmed this was delivered to XXXX. I am attempting to have it refunded. 

I have spent hours on the phone talking with XXXX service agents and the results have been a complete dead end. My account with XXXX is no longer active. It was discontinued at least 8 years ago but I failed to remove XXXX from my payee list. They could find no record of my old account no. XXXX. They could find no record of my name. They could find no record of my old phone no. ( XXXX ) under XXXX. They apparently have no idea of where to look for this payment or who to refer me to for help. The various departments I talked to did consult their supervisors and they were no help either. 

This payment was labeled with my old account no. and my name. 

I also contacted customer support by e-mail. This is their reply ; " Thank you for contacting Internet Technical Support. 

Unfortunately we can not assist with this problem further via email correspondence. Please call Customer Service at : XXXX, so we can take the appropriate corrective action to address the issue. 

I recommend getting supervisor to assist you, as maybe able to dig into this on your behalf. '' Sincerely, XXXX XXXX.
There is no loan no Valid Contract with SPS, it is null and void for forgery with loan originator XXXX XXXX XXXX OUT OF BUSINESS, and also stealing social security number to defraud go to the fed window by loan originator which there was no disclosure on this. 
THERE ARE SEVERAL ARREST WARRANTS OUT FOR XXXX AGAINST SELECT PORTFOLIO SERVICES, AND MANY OTHERS. XXXX YOU ARE NOW LIABLE TO ME FOR 10 YEARS OF SUFFERING ON THIS FRAUD AIDING AND ABETTING TO ALL THE OTHER PARTIES INVOLVED. THERE ARE MANY. XXXX ARREST WARRANTS SO FAR. ALSO A DEFAULTED BILL AGAINST XXXX. THERE IS NO VALID CONTRACT WITH XXXX XXXX, XXXX XXXX XXXX XXXX. YOU CA N'T SELL SOMETHING YOU DO N'T OWN. 
IF YOU DO N'T BELIEVE ME JUST TRY ME. 
FINAL NOTE ALL ILLEGAL DEBT IS TO BE WRITTEN OFF VERY SOON LEAVE ME ALONE AND MAKE SURE YOU HAVE A WET INK CONTRACT WITH ME PER FEDERAL LAWS BEFORE YOU THREATEN ME AGAIN.
I had of funds of {$75.00} on my account I spent only about {$20.00} then I 'm told my account is - {$56.00}, then I had {$1.00} in my savings that was used as Overdraft protection, just so they can charge me an amount of {$35.00} for overdraft fees.
I have been enrolled in an income sensitive repayment plan with  ACS and  when I went to re-new, they are now informing me that i am not eligible because I make too much. Nothing has changed in my financial situation since last year and find it ridiculous that I am now unable to qualify. I also must note that for the past month an a half I have tried to communicate with them about this issue, they had done nothing, responded to none of my inquiries and all I seemed to have gotten was " your application is still being processed ''. Now that I am far behind on my payment, I call and they tell me that I do n't qualify. And now I have a  XXXX  payment which I really ca n't afford.
I have been sending this company XXXX each month via mail for over a year now. They will not return phone calls or give me a balance owed. They hang up on me and curse me out when I call to get the information on my account called XXXX XXXX XXXX and XXXX
On XX/XX/18, my home was hit by a tornado. My neighborhood was designated a federal disaster area. My home was damaged and needs a new roof and other repairs. My insurance, XXXX XXXX, completed assessment and gave me a check for {$13000.00} to complete repairs. But the check was made out to me and my mortgage service company, Seterus , Inc . They have kept the funds and will only release 25 % to each contractor after the contractor signs and completes three forms, one which must be notarized. After all forms are received, they mail 25 %, which can take up to two weeks. Then, once the job is complete, Seterus sends an inspector to take pictures. Then, they wait the full 5 business days, review the inspection, then mail the rest of the funds for the job completed. So, needless to say, when I talk to contractors to get roof estimate and explain the above process, the contractors decide not to work with me as they have plenty of work to do for people  who already have their insurance money to complete the work. My roof has still not been repaired as of this date and it continues to leak more and more and cause more damage to my home. Seterus told me they could release 100 % of the funds as less than {$10000.00} was left. They said they could if I found a contractor to complete all repairs and write a letter explaining why the funds are needed up front. I was able to find someone to agree to this. We completed everything Seterus asked for, sent it in, and they still only sent 25 %. I have spoken with them many times asking for them to please send my money. They have money XXXX XXXX gave them for a tree I already paid to remove, which was {$750.00}. This was done day after storm and I don't know how to get in touch with that contractor. There is also money to repair a mailbox and some other small repairs that do not require licensed contractor. Seters did send two payments to the tree removal contractor and electricians. It took such a very long time to receive the money, I was getting calls and texts from the contractors daily. It was so stressful and the continued damage to my home and inability to get my needed repairs done with my insurance money has caused so much stress and trauma following a federal disaster, which was already the hardest thing I have lived through. No one at the company will try to help me or even try to understand when I talk about neighbors two doors down and one street behind whose homes were completely destroyed. I missed work and income due to the storm as well. All I want is for Seterus to release the funds XXXX XXXX provided to me as their longtime customer.
US Treasury Department is charging me for a money order that was returned to the US Post Office in XX/XX/XXXX and provided to the Post Master, XXXX XXXX in XX/XX/XXXX. I have disputed this with the US Treasury but to this date I am still being charged for they money order. I have proof it was returned to the Post Office as the postal clerk wrote on a note she received it from me. Please remove this from my credit report.
I am a victim of identity theft and noticed a collection from IC SYSTEMS. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEMS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
THERE IS TWO HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND I HAVE ASKED FOR PROOF OF THE APPLACTION BUT ONE MAIN FINACIAL HAS FAILED TO DUE SO
Home Depot mailed me an offer of credit, which arrived in the mail on X/XX/17. The offer indicates that my personal credit report was used to make the offer. The credit offer is underwritten by Citibank. Home Depot is aware that Citibank and I have previously agreed to have no further contact, and that Citibank is not to send me offers of credit or access my personal credit report. Citibank 's attorney has repeatedly told me that these offers will stop.
Despite that agreement, Home Depot accessed my personal credit report and mailed me the offer of credit they knew would not be honored.
I had XXXX a long time ago and cancelled my account with them, returned everything that they asked for and then paid my balance. Now years later a collection has just come onto my credit report for something that has already been paid
Here is my situation : I obtained a loan from Upstart.com. When setting up my loan payments I added my primary bank account. That account is used for recurring payments. A little over a year in, all payments being made on time, I need to close that account so I can transition to another bank. Then, I go to Upstart to add this new account so I can add the new account. This is where I run in to problems.

According to Upstart there are 3 ways to add my new bank account. First, through logging in with my banks username and PW on their site. Unfortunately, since my bank is a small bank Upstart 's system is not compatible. Second, by uploading a check. I don't used checks and have none associated with this account. Third, 'small deposit method. ' This is where I enter my routing/account number, they place small deposits in my account, and I confirm. Because the first two options don't work for me, I chose this. However, there is a glitch in THEIR system. No matter how many times I enter my info I get an error message. They have acknowledged that this third method does not work. I only have the first two options, which for the reasons stated above, do not work for me.

I call and ask them to add my account manually. They say this is impossible. I find that ridiculous. First off, it is not this difficult to add bank accounts from any other major creditor. I believe this company is intentionally making this difficult. My current account will close next month and I will literally have no way to make a payment on my account. I am ready, willing, and able to make payments. They won't let me. Then, of course, they will report late payments to my credit and charge me more fees. This is outrageous. They appear to be making this difficult on purpose. 


Please help me.
Portfolio Recovery is again calling my cell and violated..I requested more then once all contact should be in writing and no phone calls.Both in writing and in my complaint here as well. Please refer to my complaint XXXX.Today I received a call to my cell phone at XXXX from Portfolio Recovery.Each phone call I have received is a violation.They have also sent me another letter again admitting they can not complete an investigation.Yet they continue to harass me.
XXXX was paid in full at least 5 years ago. It was my understanding that the account had been closed. Now I am being billed by a debt collector for overdue charges on what? I do n't even have the credit card nor have used it for the past 5 years.
This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with XXXX had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XXXX XXXX, and became no longer in collection when I made the final payment. This holds true for XXXX. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history
I contacted allied collections for a copy of the document the company claimed to send to the bureau to update my account .. the employees was rude and told me that because I wasnt the one who paid the debt in my name that I couldnt get anything stating I dont owe a balance .. I never heard of anything like this but seems to me I needed to address this issue with a higher superior.. why couldnt I receive my information from this company XXXX please pull phone Records XXXX pm Allied collections XXXX
In XXXX 2009 I was approved for a short sale due to divorce with BOA. It has been a nightmare since then. I have had to dispute their payment status on the APPROVED short sale on multiple occasions. I have sent them letters and they have corrected the status to paid. Today I received an alert XXXX that my payment status is " LATE " on the mortgage was settled back in XXXX 2009. I have already disputed this item so I am unable to dispute with XXXX bureaus because this problem continues 6 years later. I have sent letters directly to BOA and all was corrected. 
I am currently in the process of closing on a FHA approved loan and now there are lates in my payment history. I am closing on XXXX XXXX and need this corrected immediately. There are multiple phone # 's listed for BOA and I am frustrated that the payment status continues to change and I can not seem to resolve the issue permanently. Please help
I have sent 4 ACH revocation letters to the company.

XX/XX/19 - email with pdf of letter sent to XXXX  

XX/XX/19 - faxed letter to XXXX

XX/XX/19- mailed certified letter XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX (rcvd XX/XX/19)

XX/XX/19 - emailed once again the pdf letter of ACH revocationXX/XX/19 - XXXX withdrew $XXXX   from my account.