WillisBack/dataset-financial-user-claim huggingface dataset:
I owe a loan 2 years ago in Tower Loan XXXX. Amounting more than XXXX , admit I have delinquent account to them in XX/XX/XXXX.I moved to XXXX from XXXX in XX/XX/XXXX. From there I never received any demand letter from XXXX XXXX XXXX, When I check my credit report in XX/XX/XXXX I saw the address tower Loan XXXX XXXX XXXX XXXX XXXX XXXX # XXXX .I contacted them to settle this account amounting XXXX $ but they said I do not have the account there I need to call XXXX Tower Loan I called and talk to the manager but said he needs to talk to their lawyer because he do not know how much I owe. They said They will call me back but since then they never called me back and I called the branch many times unfortunately they can not give me any amount I keep on calling on the branch XXXX but still do not have the amount for me to settle the loan amount.Until XX/XX/XXXX I despute the Tower Loan for collection because they can not give me information how can I settle this to the 3 credit bureaus Tower Loan verified that the item is correct so it will remain in my credit history because the company verify it correct as of XX/XX/XXXX. I called the address appeared in my credit report / history the same thing they told me I do not have an account in their office but it was reported in my credit history the address and the amount and when I called Tower Loan again in XXXX they can not provide the amount because they need to talk to their lawyer. I 've been calling them for almost a year to settle the collection appeared in my credit report but Tower Loan XXXX can not provide me the amount and the address appeared in my credit report where I owed a collection/ charge off of XXXX XXXX my account is not listed there and they said that they can not provide me information about my charge off / collection because I do not have account to them. They reported in the 3 credit bereau as of XX/XX/XXXX and verified it correct but when I called them the same thing they will say that I do not have an account from them. Since they can not provide me how much I owe and they are not helping me to settle this account in Tower Loan, I am filling complain against Tower Loan for giving wrong information about my account and the address appear to my credit report they do not have my information and data for the said loan. I even send an email through their website customer service and dispute it to them but no actions were made. I do hope you will help me to erase/delete the wrong information that they put in my credit report.
I contacted PLAZA SERVICES on XXXX/XXXX/XXXX and spoke with a manager. I stated to her that I received a response from the company stating that the account was recalled from collections. With that being said the account is still reporting on my credit report and when I asked her why she informed me that they still have the authority to report the debt even though it was recalled from collections which I know is ILLEGAL on all aspects. She was very rude and that 's not good business practices especially when you are trying to collect a debt that has been bought for pennies on the dollar which still has not been proven to be mine. Not to mention she did n't even state that that was a debt collection agency and that was an attempt to collect a debt. I will not hesitate to take legal action because I have been compliant on my part. I have already started the proceedings and if the company does not comply with the FCRA from this point on I will not hesitate to proceed with my lawsuit.
I signed up for a new XXXX through Bank of America. Via phone, I immediately set up automatic payments to be applied to my account so that my credit card balance would be paid in full on time every month. I received an account statement on XXXX XXXX reporting that my automatic payment would applied on XXXX XXXX. On XXXX XXXX, I noticed that I was charged a late fee and finance charge. I spent 45 minutes on the phone with Bank of America trying to figure out why my statement reported that my automatic payment was all set up, but I was still charged a late fee and a finance charge. At the end of the call a representative waived these charges and attributed the incident to " bank error. '' On my XXXX XXXX statement, it says that an automatic payment will be applied on XXXX XXXX. I do n't know whether to believe my statement, or to assume based on this experience that they are just printing this on my statements so that they can collect late fees and finance charges at my expense, forcing me to call into customer service month after month.
Attorneys XXXX, XXXX, XXXX XXXX XXXX of XXXX Florida have filed a lawsuit against me for a credit card that was charged off. They are a third party debt collector. It was XXXX XXXX that I had the original credit card with. I was never notified by the original creditor that they were selling my debt to anyone and by law they are supposed to notify you. I was told it was sold to a company called " XXXX XXXX '', whom in turn sold it to XXXX, XXXX and XXXX. I only know of the lawsuit because I was contacted by a Mediation firm in XXXX, FL.who offered to mediate the debt for me for a price that was not disclosed to me. I asked how he knew and I did not. The reply was they look up public records. Otherwise I would have not known anything about a law suit. I have written to them by certified mail and asked them to provide me with proof of Assignment or proof it was sold to them from original creditor and testimony from original creditor attesting that the bill of sale is true and accurate.They have not provided me with this. For this reason and because I was not notified by the original creditor, I ask that they withdraw the lawsuit. To date I have not been served a summons. I am XXXX and living on social security XXXX each month. This is my only source of income and is protected from wage garnishment as Is my home under the Homestead exemption laws in Florida
I am writing to complain about Discover, which has repeatedly used deceitful practices to attempt to collect payment on unpaid balances. 

I guess from their perspective they want money no matter how they can get it. 

Discover card has created another division ( Discover It ) which it uses to sell financial products to " lower end '' consumers. This division, I believe, has been specifically tasked with " accidentally '' engaging in payment fraud to cause trouble for their customers. 

On XXXX occasion, Discover scheduled a duplicate payment. Because Discover suspects the customers of their inferior Discover It products have less money, they do this to gauge which customers can be more easily taken advantage of. Since the amount of money is something that can be accessed from third party companies, it is reasonable to think this is no coincidence. 

I contacted Discover about a late payment. I let them know I have no income and no savings ; I simply can not pay. They re-enrolled me in autopay. I believe they have designed their online pay portal to intentionally mislead consumers into believing that they have disabled autopay, only to continue drawing money. 

If I ca n't pay, I ca n't pay. Discover has no right to show their customers fraudulent information and overdraw people who are already destitute just to get as much money as they can from high-risk borrowers.
XX/XX/XXXX ATM DEBIT XXXX XXXX XXXX XXXX XXXX XXXX {$22.00} XX/XX/XXXX PURCHASE AUTHORIZATION XXXX # XXXX {$700.00} XX/XX/XXXX PHONE TRANSFER To CHECKING XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX {$26.00} ON XX/XX/XXXX THEY DID A TRANSFER OF {$400.00} TO ANOTHER ACCOUNT THAT I DID  NOT AUTHORIZE AND LABEL IT PHONE TRANSFER WHICH IS FRAUDULENT STATEMENT THIS IS NOT THE FIRST TIME THEY HAVE DONE THIS IT THIS WAS TO COVER A BALANCE THAT I HAVE NO IDEA WHAT ITS FOR I HAVE REQUESTED INFORMATION ON THE DEBIT AND HAVE RECEIVED NO RESPONSE THEY CLOSED ONE ACCOUNT THEN MONTHS LATER REOPENED IT SAYING THERE WAS A BALANCE ON IT. THEY NEVER GAVE ME PROOF OF WHAT THE BALANCE WAS THEY THEY RESTRICTED ONLINE ACCESS TO THE ACCOUNT SO I CAN NOT EVEN SEE WHAT THEY ARE DOING WITH THE ACCOUNT
I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. 

On XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. 

But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX  XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XXXX XXXX, XXXX, Highest Balance {$27000.00}. 

Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
I activated my Citi Prestige card on XX/XX/2018. I tried to make a purchase the same day and it was declined due to fraud. Over the last few weeks, I have tried to call in to cancel my account. Unfortunately, Citi is unable to authenticate my identity due to change in phone number etc. I am being charged a hefty annual fee for a card I have never had the opportunity or ability to use. I called as recently as today, XX/XX/2018. I've spent multiple hours talking to these people trying to find a solution but I seem to be caught in a circle with no exit point. Customer service won't close my account because they can't authenticate me, so they transfer me to fraud. Fraud can't authenticate my account, so they simply say sorry. I ask to escalate the call, I'm told there are no exceptions. So, hoping CFPB can help me here. To authenticate my identity all the options they tried have failed, calling other credit card providers, checking relative phone numbers etc.
This Collection agency XXXX XXXX XXXX XXXX has failed to provide proper verification of the account they brought from Walmart/ Synchrony Bank/Walmart. This company has not and could not provide information like documents bearing my signature that I owe ( {$540.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX XXXX XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company XXXX XXXX XXXX XXXX matter the original creditor have the same account number as the collection agency. Synchrony and XXXX XXXX XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX, and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
XX/XX/2018 I was contacted by a company called XXXX XXXX XXXX representing XXXX XXXX XXXX in relation to an account with XXXX XXXX XXXX which was a direct result of identity theft and in which XXXX XXXX XXXX has agreed and absolved me of all relation with this account. I was told by XXXX XXXX  XXXX that i owed a balance from this company. I paid this amount under duress to prevent my credit score from hurting further. I have sent faxes to XXXX XXXX as well as letters demanding the payment to be paid back to me immediately. This was a deceptive collective of an debt I did not owe. I will pursue legal recourse if this matter isnt settled here. I am demanding my {$400.00} back immediately otherwise the amount i will be seeking through legaslative matters would far exceed this. XXXX has acknowledged receipt of all documentation in relation to my dispute but has not responded via letter nor phone call. I have had to reach out personally only to find out my claim has been denied by the highest level possible without merit nor just cause.
This started on XXXX/XXXX/XXXX. I received a phone call from XXXX XXXX XXXX XXXX, they left a message stating they were from XXXX and trying to settle a file that their client has placed and wanted me to call them back on number XXXX XXXX XXXX XXXX. I called that number back but was not transferred to anyone and it automatically hung up. Next day I got a call from ( XXXX ) XXXX, women stated her name was XXXX XXXX and was calling from the financial office of UCRB looking to get a statement of what happened between me and another party before they had to write a legal reccomendation. She only left her direct phone number which I called and left a message. She did not call back. I have never heard about this agency, and I 've never received anything in the mail from them in the past. I do n't want to give them my information unless I know they are collecting a valid debt.
On XXXX XXXX, 2014 and XXXX XXXX, 2014 I submitted a dispute to XXXX XXXX at Synchrony Bank for current charges with Care Credit, the Provider is Animal Hospital of XXXX XXXX. I signed a contract with the Animal Hospital on XX/XX/2014 for XXXX for my XXXX dog. XXXX developed an XXXX which was diagnosed as XXXX. An X-ray was taken and confirmed that the XXXX that XXXX XXXX placed in her XXXX during surgery failed and because of the XXXX XXXX which she contacted during the surgery, needed to immediately be removed from her XXXX. He never offered to redo the surgery free of charge. I still have an open Care Credit with a balance of {$1500.00}. XXXX XXXX refuses to re-emburse me for the original charge of {$2800.00}. or remaining balance of {$1500.00}.
There is a debt on my XXXX credit file which indicates IC System as debt collected and also states CLOSED - PAID COLLECTION. I 'm not positive what that means but I have no debt and I never paid any collection.
Plaza Home Mortgage has denied my request for a loan restructuring for over two years now siting that the holder of the note will not allow it according to their Loss Mitigation Department. Plaza Home Mortgage is the note holder after some investigation and their admission. I was advised I would receive a face to face interview with a company called ( XXXX ) XXXX XXXX XXXX , XXXX to go over my account and to help save my house from foreclosure. I was told they would contact me and I should just wait. I never received any contact from XXXX, nor would Plaza give a number for them when I called. Plaza then placed my home in foreclosure and is now adding an additional XXXX to XXXX dollar per month onto the balance without clarifying what the amount is for on the statement or in a letter. They have also been returning my payments but siting in one of the denial that my account was not seasoned with payments so they could not restructure the loan.
Th  e " annualcreditreport.com '' website is a piece of junk.
The CAPTCHA form is c  lose to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.
Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.
In violation of the rules and regulations of the united states consumer financial Protection Bureau., someone left me a message. It looks to me that it is male based on the consistency of his voice. He claimed that he is from the Executive office of Bank of America. There is no caller ID number which could prove whether it is from the bank or " No Number '' do not show my number. It implies that there is eavesdropping which is organized by evaders or their unconventional wisdom., which is fundraising trick as hot as is., in this election cycle. Would anybody let anyone leave message with no communication or FCC rules and regulations respected? I do.
THIS IS NOT A DUPLICATE COMPLAINT.THIS IS A NEW COMPLAINT THE XXXX ISSUE WAS RESOLVED.NOW ITS STARTING ALL OVER AGAIN.PLEASE HELP ME WITH THIS ISSUE .READ MY COMPLAINT, IT IS A SAME PROBLEM THAT WAS RESOLVED BUT NOW IS STARTED TO HAPPEN ALL OVER AGAIN.MY XXXX COMPLAINT OF THIS ISSUE WAS RESOLVED YOU ARE NO LONGER WORKING ON IT.I FILED ANOTHER COMPLAINT ( case # XXXX ) ON XX/XX/XXXX YOU REPLIED SAYING ITS A DUPLICATE COMPLAINT AND YOUR WORKING ON IT.THATS NOT THE CASE ITS NOT A DUPLICATE ITS THE SAME ISSUE OF A EARLIER RESOLVED COMPLAINT.The XXXX was on XX/XX/XXXX you sent my complaint to the mortgage company and they responded.The isssue was resolved for one month and now its back to the same problem.The mortgage company sent me a letter showing they are working on correcting the problem and if i have any further issues i should contact XXXX XXXX a customer relations specialist at XXXX.Let me say XXXX of all their automated phone system does not give an option to connect to a live person unless you try almost every promt on the system.When i am finally connected with a live customer service person they are unable to resolve my problem and proceed to transfer my call to a specialist which never pick up the call.Their main customer service XXXX is outsourced to who knows where.The specialist are in Texas.Whats the point of outsourcing the customer service line if they do n't have the ablity to resolve the problems of the customer.Well my problem accured again on my XXXX mortgage payment, i over payed like always and wanted some of the overpayment applied to the escrow and some applied to the principal.They ignored my wishes and applied it all to principal.XXXX i called the auto mated customer service line to resolve this and after XXXX of going threw the promts to finally get a live person they were unable to help me and transferred my call to a specialist, who never picked up but i left a voice mail.Then i pulled out the letters from my XXXX time i filed a complaint and i called XXXX XXXX dircet at XXXX she never answered so i left a voice message.She never returned my call so i called again and again and again only to get her voice mail every single time.I left XXXX voice mail messages out of XXXX calls to her over a 5 day period and NOT XXXX CALL WAS RETURNED.It is unexcusable how i have to continue to call and call and call and file complaints over something so simple.Just apply the money the way the customers want it applied, your own statements give us the option of doing that but yet when we use that option were ignored.My XXXX payment was to be applied as {$23.00} to escrow and {$80.00} towards principle.Thats how the payment slip was clearly marked.Like i said this is my XXXX complaint for the same problem.
A person from Midland Credir has called my number several times asking for a person named XXXX. I have politely told him that there is no one here with that name. He says he will not call back but a week or two later he calls back. The most recent call occurred XX/XX/2018 at XXXX PM. The caller identified the caller as being Midland Credit. The calling number was XXXX
They consolidated some of my loans without my consent as well as how they went from federal to private without my knowledge. They went back and forth between subsidized and unsubsidized a couple times according to my Navient account and it seems like every time it changed there was a new listing in my credit because there are several items reported on my credit by them some of which seem like duplicates. A lot of the amounts are incorrect as well as duplicate entries on my credit report. 

I called several times and I have been sent here to there and here to there without people telling me what has been going on with my loans. XXXX got my loan from XXXX XXXX XXXX has added all types of interest to my loan.
On XX/XX/XXXX I was told by salesman and his supervisor that I would get full value on my trade-in and told them I was only interested in trading in my XXXX XXXX XXXX if they could pay off the full amount of my remaining loan of {$11000.00}. They said yes, and I proceeded to purchase my XXXX XXXX XXXX from them. However, upon inspecting my bill of sale it is clear they only valued my trade-in at {$10000.00} and rolled the remaining {$1900.00} into the new vehicle loan. This was not pointed out at the time of sale and I did n't notice it until reviewing all the paperwork months later.
I HAVE SUBMITTED 2 COMPLAINTS PRIOR TO THIS ONE. I AM A VICTIM OF THE INQUIRY ISSUE WITH TRANSUNION. AND ASLO IDENTITY THEFT. OVER THE PAST 4 YEARS MY CREDIT PROFILE AS BEEN A LIVING NIGHTMARE. FROM SOMEONE USING MY IDENTITY IN A DIFFERENT STATE TO NOW I HAVE SEVERAL UNAUTHORIZED INQUIRIES THAT I DID NOT REQUEST I HAVE SENT CERTIFIED DOCUMENTATION TO EACH COMPANY ASKING FOR PROOF OF INQUIRY AS OF TODAY NO RESPONSE FROM MY CERTIFIED LETTERS TO THE FOLLOWING CREDITORERS :   XXXX   XXXX   XXXX   XX/XX/XXXX  - XX/XX/XXXX   XXXX  -- - XX/XX/XXXX    XXXX   XXXX   -- - XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   - XX/XX/XXXX
I paid the account with the XXXX XXXX they are collecting for. When I spoke to a lady named XXXX she advised she would send an email stating that the debt had been paid and would be removed from my credit report ( I am buying a home ), when I did not receive the email I spoke to her supervisor, XXXX and he advised he could not remove the debt. I told him that was a lie because she told they could and I have had a previous medical collection with XXXX that was removed once paid. He lied and said that could not be done, even after I know for a fact it can and his collector told me it would as well. I need this removed ASAP for my credit report as promised by the collector named XXXX.
I have tried twice to obtain my free credit report from Transunion because i was denied credit and they have denied me access to my report or credit score online. I went to XXXX and i was able to obtain both my XXXX and XXXX reports so that i may begin disputing the inaccuracies on my file and they have denied me over and over again and i have been unable to speak to anyone on the phone or via mail. May i please get a copy of my report already, this is getting so strange I keep answering all of my security questions correctly and they continue to ask for more time or more verification. I do not understand why they are stalling.