WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I apologize as none of above options refer to me. I had never created any debt, and became victim of unreliable and incompetent costumer service. Here is my story. 
In XXXX I traveled I took frequent trips back home to XXXX due to attend to my mother after her accident. It seemed unreasonable to continue my cable plan with XXXX XXXX XXXX which services I was using since XXXX. I called them and spoke with the costumer representative. I explained my situation, requested for the cable to be canceled and continue my plan with only internet service. I was told it was fine and that my account would be updated. I left the country couple days later and spent almost a month with my mother in XXXX. Shortly after I returned I was surprised with XXXX bill, almost triple more then what I was told I would be paying for internet only. It was almost double of what I used to pay for both internet and cable, before I canceled cable. I called them to clarify. I was told that my rate increased because previous cable rate was a promotional offer which expired, and the regular rate kicked in. I explained that I canceled my cable plan before going away, but the representative could not find any record of it, requested my information and said someone will call me to sort it out. I got voicemail from some woman next day, but when I returned the call, I was placed on hold for a long time. when i finally reached someone, our conversation was disconnected. As I provided my contact info at the beginning, I assumed I will be called again. I got voicemail again next day. I Attempted to call back, but gave up after being placed on hold for almost 30 min. My issue was never resolved, my lease was also up and I decided to move to XXXX. I called again to cancel my entire plan as XXXX does not provide services in XXXX, NY. I switched to XXXX. I covered my last internet bill and returned XXXX equipment couple weeks later. That was in XXXX XXXX. I have not heard anything from them since then. I did not receive any mail from them, or any collection agents. In XXXX XXXX I noticed my credit score decreased significantly. I requested copy to find out why. I learned that collection procedures were now affecting my credit. I went ahead and requested dispute with XXXX, XXXX and XXXX, I explained everything just as I am now. Within 30 days all XXXX companies removed incorrect collection account. My credit went back up. I was convinced this nonsense was over. On XXXX XXXX I received alert from XXXX, my credit dropped XXXX points due to new collection account. It is different company this time " Enhanced Recovery Co, LLC '' -- the original creditor is of course XXXX. I disputed this again with XXXX since I have account with them and pay for it monthly. I do not want to spend another {$40.00} for reports with other companies. I already went thru all this back in XXXX.
My son had a student loan thru   XXXX   XXXX  , his father and I co-signed for this loan of {$26000.00} over the past few years payments were made to   XXXX   XXXX   some by our son, his father and myself. After   XXXX   XXXX   formed Navient as their collections company, we were plagued with calls demanding payment in full. Our son 's father paid them {$10000.00} on XX/XX/XXXX  to have them remove his name as a co-signer which they eventually did. My son on or about XX/XX/XXXX  had   XXXX   XXXX   XXXX   ( a service related benefit of education loan ) contact   XXXX   XXXX  /Navient to get the exact payoff of his student loan which  XXXX  was told the amount of {$17000.00}. A check was sent for that amount payable to   XXXX   XXXX  , ck #   XXXX   was received and deposited with a bank stamp belonging to   XXXX   XXXX   XXXX  . #   XXXX   for deposit only. After our son was told that they did not receive this payment he contacted  XXXX  for copies of this check and   XXXX   XXXX    sent him copies of front and back of cancelled check proving this had been done and that they were paid in full.
Navient ( one of several collections agencies contracted by   XXXX   XXXX   ) still denies that the debt has been paid in full and is still trying to collect monies not owed. This is one of the many fraudulent acts that has caused the lawsuits to be filed against them.
Collection agency is attempting to collect on a debt that has reached statue of limitations. The medical account became delinquent as of XX/XX/2011. The statue of limitations for my current state of residence, XXXX  and previous state of residence, XXXX  is six years. I have requested not to be contacted and the collection agency continues to do such.
In XX/XX/XXXX .I try to pay this company..I start making payment through XX/XX/XXXX ..The collector say don't worry about the last payment of XXXX..But I was blinded sided by this my account was sold to XXXX XXXX.I try to resolve this account with .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I went to day XXXX a clock to resolve this .But they had no Empathy act all..I told them I had a XXXX XXXX when I lost my job .and act that time I  was In a serious accident that made me no longer a XXXX.I feel nobody will understand until there in shoes.ADA .The little money I save they took. How can a judge let a collector take from XX/XX/XXXX..I didn't like what she said file bankruptcy..Im trying to get back on track and bill a strong credit.not damage and make it hard for me to rent.I pay my on rent and no help from Hud..i asking this company to let me go or make a settlement .like I told the lawyer in court I don't owe this money ... I. wish they would find different judges..Because I think they all friends because they never listen always take the lawyer side. I thought judges are supposed, to say this is a hardship case Dismiss this case.under the law.. Please I hope you can have mercy and help .with no charge .I just want to free from this Loan sharks. Thank you for your corporation in this matter XXXX XXXX XXXX XXXX
My wife and I leased a vehicle from XXXX XXXX XXXX. We made every payment on time and purchased the vehicle prior to the lease expiring ( XX/XX/2108 ). My Credit Union ( CU ) sent Hyundai the funds and the title was transferred. Hyundai was slow to issue a check to the County Clerk for the taxes. My CU had to redo my loan papers to account for and to pay the taxes that were necessary to transfer the vehicle. My wife and I received a check from Hyundai made to the XXXX County Clerk. I voided the Hyundai check and asked that it be re-issued to my wife and I. After several weeks went by I called Hyundai in XX/XX/2018 to ask when we would receive the check. I was told that they would send a check in 3 to 4 weeks with no request for additional information. After receiving nothing in the mail I followed up with a call on XX/XX/2018. I was told that a check was not sent and that I needed to provide Hyundai with proof that the taxes were paid and then it would be another 3 to 4 weeks prior to us receiving a check. I explained that we are now paying interest on the tax money with my CU loan and that Hyundai is receiving the benefit of holding my money for months in the interim. The onus should not be on us to take time from work to prove to them that the vehicle is transferred and that the taxes are paid. Hyundai is already paid in full. Hyundai also refused to check to see if they were still listed with the BMV as owners or to confirm with my CU if a transfer took place. Hyundai could easily have checked my state 's website or checked Hyundai 's own licensing or tax department to verify the transfer. When I asked Hyundai what would happen if I would not have submitted my payments on time for their vehicle they stated they would have taken it or filed suit against me to recoup the funds. When I asked why it was ok for them to hold our money after we fulfilled all of our obligations for the transaction without any repercussions to them, Hyundai stated " that's the way it is ''. I asked Hyundai to specifically tell me what proof they wanted me to send and they could not tell me exactly what it was they wanted. They simply said that they just needed proof. The burden is now on me to provide some " proof '' and submit it in the hopes that it is acceptable. If so, in another 3 to 4 weeks we may get our money returned. Meanwhile, we had to pay licensing and insurance for our lease buyout vehicle but can not get our own money back to offset our expenses. This is nothing more than a giant company bullying and taking advantage of a small consumer while not caring about the impact to the individuals.
My mortgage company is Loancare LLC out of XXXX, VA. They received my payment on XX/XX/2017 but returned it for insufficient funds. I know for 1000 % that the money was in my account and the bank never charged me an overdraft fee which would have happened if the check was truly returned. I 've emailed them but I 'm not expecting a response due to their track record online. SHUT this company down. How many bad reviews do they have to receive before someone will do something? I am literally 2 months into my very first mortgage and already having issues with them.
Shell Citi bank has reported nonpayment for 3 months, however, I have n't received a bill for either month.They are stating they have enrolled me in paperless billing without permission or acknowledging me.
This company has called myself and family members several times stating that I owe a debt with them and if I do not pay immediately they will send a courier with court documents. When I ask for the original loan info they begin getting angry and say that they do not have to give me that and they are going to sue me. I told the caller I will not make any payments without proof of the original debt and I did not know what this was for. The caller then proceeded to tell and use profanity and call me a liar and i will go to jail. My family members have also been contacted by these people with similar interactions
I am applying for a mortgage and was told that I had a large amount of medial bills on my credit report and they denied me. When I received the credit report from the mortgage company it listed quite a few very small collections and one large one. The numbers next to the amounts did not correspond to any collection letters I had received. The large amount {$550.00} was unusual enough I tracked down the account and called XXXX XXXX. They apologized and stated it had not been paid by the hospital and was turned over to collections. ( another bill had been paid ) I contacted the Collection Information Bureau Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/18 and talked to XXXX. I explained that I needed to verify the amount I owed and she stated I owned {$3700.00}. I asked her to send me a statement to confirm the accounts. I called back on XX/XX/18 and spoke for XXXX who stated the letter went out an call them if it did not show up over the weekend. She stated I owed {$3600.00}. I called back today XX/XX/18 at XXXX XXXX and talked to a male with a strong accent and he told me they could not send another statement out and to check with my post office ( its a holiday for them ). I never received a slip or an letter from them. I told the male that I wanted to pay them. He said have a good day ... ..
I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the Equifax breach. I called each of the three numbers given on the FTC web page instructions : Equifax XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
XXXX : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
XXXX : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.
I received a letter in the mail claiming that I owe debt to a creditor for my daughter that was sent to ONLINE Information Services ( dba ONLINE Collections ). I called the debt collection company to get their professional license number and they refused to give it to me. Also, when they tried to verify my account info and asked for the last XXXX digits of my social security number and my daughter 's date of birth, the information they have on file was incorrect. Further, my first name on the letter was spelled incorrectly. 

I believe this is a fraudulent company and a scam to collect personal information on me.
I signed up for a discover card in XX/XX/XXXX and was signed up for a payment protection plan through my discover card that I was n't aware of or gave permission to sign up for. I did not realize I was signed up for this until XX/XX/XXXX when I was checking my bills online. The fee for this is charged at the same time as interest rate so it looks like it is part of the interest charges each month. I am very aware that I did n't notice this charge for 7 years up to now, but now that I have found out and done the research on what they 've been charging me, I am very frustrated to sat the least. 

XX/XX/XXXX : I called discover to ask them about these charges and to get proof that I signed up for this program initially. They can not provide me with this information which is even more frustrating. They have decided to only refund 6 months of back charges for this program and this is n't acceptable to me. They need to dispute and refund the full amount. I never signed up for this program, I never gave permission for them to charge me for this, I have also never used said program. They signed me up for this program without my knowledge or consent and fraudulently billed me until I said something. Now they take their gains and refund only 6 months after taking and taking for 6 years. 

This is 100 % unacceptable, they need to provide me proof that I originally signed up for this program. They told me I said yes in a phone call in XX/XX/XXXX? What kind of XXXX is this ... 
I signed up for the credit card over the internet and only the credit card, not any accompanying programs they use to get money from people. I need someone to investigate this matter fully, I have 7 years of credit card statements showing charges from $ 10-75 each charge!!!?? This is honestly a scam and ridiculous and should n't be allowed. 

I repeat I have never signed up or used any program like this from discover credit card company and dispute all of the charges associated with it.
I received a notice in regards to a debt that was sold/transferred from  XXXX   XXXX  to  CCI C ontract Callers Inc, I called within the required time to advise that I am disputing this debt and was told by a  XXXX   XXXX  that they have up to 30 days to send me information regarding this debt as it will affect my credit. I advised the that I do not need anything negative on my credit as I am purchasing a home and again dispute this debt. I spoke with the representative on  XXXX / XXXX /  XXXX   @  XXXX   XXXX . I received a credit alert this morning advising that my score is now adversely affected and the company that has placed a collections account and dropping my   XXXX   score  XXXX  points  XXXX . Either this company sold this account not wanting to deal with a dispute or  XXXX  is their parent company. They need to remove this negative item from my credit report and legally follow the processes in place for disputes.
My bank withdrew money form my account without any notice, for an account that I had over 6 years ago, that I had closed in satisfactory status. when I closed my account, the teller did not inform me that the account would actually stay open for 6 days an the bank processed transactions that I was trying to stop which caused an overdraft, then made the account negative and when I attempted to close it again, they refused saying they will not close an account with a negative balance. but had they closed it when I originally requested, there would not be any overdraft or negative balance.
We purchased our new vehicle from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX our credit union sent a payoff of the vehicle to the dealership. On XX/XX/XXXX we received a statement from Toyota Financial Services indicating we still owed the $ XXXX. I called Toyota Financial Services on XX/XX/XXXX and they informed me they had n't received a payoff from the dealership. I immediately called the dealership and was told they would email the Finance Director who would take care of it. On XX/XX/XXXX I followed up and found nothing had been done. I spoke with the Finance Director who assured me the check would be sent to Toyota Financial Services. They sent me a copy of the check and the tracking number. The representative at Toyota Financial Services could not find the check with the information I provided and instructed me to fax a copy of the check and tracking information to the escalation department which I did. She also suggested that if I did n't want it to affect my credit I should make the payment of {$760.00} which I found totally ridiculous. I was just contacted by XXXX XXXX XXXX and was told that the check has not cleared and they are sending me proof that the check was signed for by someone at the company. Now I 'm having to jump through hoops to try to track down this payment and have been told there is nothing that can be done re. my credit and that I would just have to dispute any negative marks. This unacceptable and should not be tolerated especially when I 've done nothing wrong. Please help,
Credit bureau keeps reporting inaccuracies related to XXXX XXXX tradeline. First and foremost, consumer was never late at any time in XX/XX/XXXX. The account has long been closed, and was sold off around XX/XX/XXXX.
A collection was added to my  XXXX  and  XXXX  credit reports by Midwest Recovery Systems for {$2500.00}. It is apparently some payday loan that I never took out and I was never contacted about it.     I am in the middle of a mortgage loan process and this is going to affect my approval and rate. I can not dispute it on my report as the lender will not approve my loan with any disputed items.     I need this fraudulent account removed from my reports as soon as possible!
The lender made an illegal loan charging an interest rate not allowed in the state of Georgia and is not a registered lender in the state.
I opened a Citigold checking account during a promotion in which they were offering XXXX XXXX miles for opening said account. In order to be eligible for the miles, the account holder had to make {$1000.00} in purchases and complete XXXX bill pays within 60 days of the account opening. I completed the XXXX bill pays, and what I thought was the spending requirement, but after the 60 day window a representative informed me that paying off a credit card did not count towards the spending requirement. However, this representative sent me a letter granting me a 30 day extension to complete this spending requirement ( which I have ). After meeting the spending requirement in the extension time period, I tried in vain for months to collect my miles. I have called in at least XXXX8 times over the past XXXX months, and my case keeps getting rejected due to me not completing the spending requirement in the specified window. I have have multiple reps tell me that I should be eligible for the miles, but then when the review occurs I am rejected time and time again. I can not understand why the extension is not being honored, or why it is consistently overlooked. The review process in general also takes much longer than advertised ( XXXX5 days ).
I receive social security & XXXX I recently got a letter in the mail from them saying I will be penalized because I am over my resources with an account from Pnc Bank I am not banking with Pnc Bank I will not be able to support my self because SS/XXXX is going to stop paying me due to this I have not giving anyone permission to open up an account in my name I called customer service but was n't able to get help because I did n't have an account number to give them I recently change my name my previous was XXXX XXXX
COLLECTOR MUST CEASE AND DESIST COLLECTION EFFORTS AND CALLING MY CELL, THIS XXXX BILLS WAS DISCHARGED IN BANK RUPYCY ON XX/XX/2018.
I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. 

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit.

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
XXXX XXXX XXXX has 2 accounts on my credit report. i have no idea what the debt is or who XXXX XXXX who they are collecting for is. I have never had an account with XXXX XXXX or heard of them for that matter.
Freedom Mortgage has repeatedly made harassing phone calls claiming we are behind in our mortgage payments. We have made every mortgage payment in full and on time. They claim we never made our XX/XX/XXXX payment and now each time we make a payment it is credited to the previous month. On XX/XX/XXXX I sent them a bank statement proving we did make our XX/XX/XXXX payment. Despite this, as of XX/XX/XXXX we are still being harassed. 

I find it very unlikely that a mortgage company is this bad at managing payment records. I have also read the customer complaints against Freedom Mortgage on the website for the XXXX XXXX XXXX. As a result I'm becoming convinced that Freedom Mortgage is attempting to trick us into making an extra mortgage payment that we do not owe them.
Synchrony Bank refuses to increase credit limit on my Care Credit Account. They have no basis for their denial.
My Mother recently passed away. We have a joint checking account in XXXX names at HSBC. My Mother 's name OR my name. I went to the bank, provided a death certificate along with my State issued ID, and was told the account would be closed and a check would be issued in my Mother 's name at the end of the month ( XXXX ). I would like the check to be issued in my name since XXXX names are on the account.