WillisBack/dataset-financial-user-claim huggingface dataset:
My account with Conn 's is due on the XXXX of the month. I am paid bi-weekly and sometimes I am unable to pay until the XXXX-XXXX of the month. Conn 's begins calling the morning of the XXXX and charges a late fee on top of that if I do not pay exactly on the XXXX. Today they called 10 times regarding the account. Today is the XXXX, it is supposedly 3 days late! Ten times in one day. This is harrassment.
User of secured Master Card ( Credit card ) issued by XXXX XXXX XXXX on XX/XX/2017 and banker is XXXX XXXX XXXX but unfortunately I am not been able to get my credit score. Contacted my bank and Card issuer and came to know that my account is being freeze by Credit reporting agency. Credit Card issuer not provided adequate support to resolve the issue only respond by generic letter which is vague. As part of my Initiative to resolve the issue I contacted Trans Union and created a file XXXX. As per their requirement provided all the docs e.g. copy of Driving License, Copy of SSN, Copy of Bank Statements but without resolving the issue and without providing any reasonable explanation close my file by Trans Union. Not showing helping attitude to resolve the issue, even not clearly mentioned which was the point of dispute. Hope the reporting agency will come forward to unfreeze my account that I can get Credit report.
My husband died in XX/XX/ 2017. About this time he started getting advertising and credit card information from XXXX XXXX XXXX. He had been ill for many years and had not even before then been in a XXXX XXXX XXXX let alone opened a credit account. They had never asked for payments. 
Today someone called from XXXX  (? ) agency seeking payments. He knew my husband had died and asked the date. When he started talking about money I hung up. I'm sure this kind of scam would have planted seeds of doubt in many widows. 
I'm am just reporting that this is happening.
Governed by 15 U.S.C. 1692g ( a ) 15 U.S.C. 1692g ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; XXXX indicates this is multiple accounts and list only XXXX. 
( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDEDAnd leads me to believe it also violates the following - 15 U.S.C. 1692e : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' 15 U.S.C. 1692e ( 2 ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' 15 U.S.C. 1692e ( 10 ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' 15 U.S.C. 1692f specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''
I have been monitoring my credit report and scores continuously for the last two years. I noticed in XX/XX/XXXX that XXXX accounts XXXX under ENHANCED RECOVERY COMPANY ( XXXX from XXXX XXXX XXXX and the other from XXXX XXXX ) were on all XXXX of my credit report in collection status. This has dramatically declined my credit, so I started to investigate these alleged accounts. They claim the first account XXXX XXXX XXXX XXXX ) was placed for collecton on XX/XX/XXXX. They claim the second account ( XXXX XXXX ) was placed for collection on XX/XX/XXXX. I have lived with relatives, and have NOT opened any cable/cellular accounts in over 7 years. So I started the dispute process with all the credit bureaus.I disputed in XX/XX/XXXX, no changes were made. I disputed again, I got the next results on XX/XX/XXXX, still ENHANCED RECOVERY COMPANY did not remove or validate these alleged accounts The only change made was the DATE UPDATED date was updated to the day they received the dispute. Next I started working with a credit repair company, they sent out another round of disputes, I recieved the dispute results on XX/XX/XXXX. Unfortunately, ENHANCED RECOVERY COMPANY still did not validate the accounts or remove them and no changes were made. Now I am taking it a step farther. I am sending a certified debt validation letter to their company, of which I will keep the receipt. I will also be attaching the debt validation letter, and also the copies of the dispute investigation results over the past few months. I have also contacted the XXXX and your organization as of now. Please assist me with this matter. Thank you for your time.
CREDIT SYSTEMS INTL IN reporting a collection to XXXX  and XXXX  credit agency, I've no knowledge of this collection account and never received any communication from CREDIT SYSTEMS INTL IN
I signed up for an American Express XXXX card. They offer XXXX Membership Rewards when someone spends {$10000.00}. I quickly sent {$2000.00} to my landlord via XXXX. I then booked a trip for my family that was worth {$8500.00} or so. Right away, the XXXX Membership Rewards points posted to my account. I was excited of course. However, my travel plans changed. I had to cancel my hotel and rebook for a different date ( I believe it was for 2 weeks later ). Again it was for a similar price, in the range of {$8500.00} or so. I logged into my account to pay my bill when I saw that the XXXX Membership Rewards ( worth about {$1000.00} in cash back ) was gone. I called and they claimed that I used my card fraudulently. I asked them to speak with a supervisor who claimed that because I canceled my hotel reservation, I was abusing the program. 
Well, I was n't trying to steal. If I was, I would 've used the XXXX Membership Reward points before I " canceled '' my hotel. And I never canceled my hotel, I just changed my reservation to a different date to accommodate my family. They were unwilling to listen to anything I said. I tried really gently to explain but they kept saying I was acting fraudulently and I think it 's because they do not want to give me the XXXX Membership Reward points they promised. What should I do?? Thanks.
I lived at the XXXX run by XXXX who happens to have tons of complaints for fraud. I am a civil rights activist, so I found out the XXXX female managers were guilty of XXXX because they were inflating water bills. They created a formula for XXXX apartments which was illegal. They billed you for water, according to the amount of people living in your apartment. For me it was, XXXX adult with XXXX kids. In writing they assured me my water bill would be {$40.00} per month. My neighbors had XXXX adults and XXXX kids paying {$50.00} per month. I received outrageous bills for {$120.00} per month. I complained to the XXXX. State Attorney General, the Town of Farmington and then went to many apartments and found out women and minorities were billed higher than white residents. I decided to move and the neighbor next door got angry and started harassing my children, XXXX child threatened to choke and XXXX my XXXX year old son. XXXX and XXXX incited a feud with white trash, so I was forced to move. Police reports were filed. The XXXX passive aggressive managers fabricated a bill after I moved. We videotaped and took pictures after cleaning. We ended up in Court because the XXXX managers wanted to create an incident. In Court, I testified I paid my rent on time the entire time we lived there and told the Judge the reason they retaliated was because of my discrimination complaints. The company who billed me for water said, XXXX told them I had XXXX people living in my apartment and this is why my bill was so high. He said she gave them all the numbers inflating the water bills. We found tons of complaints supporting their fraud and malfeasance. They have refused to validate the DEBT. I would like this removed. We are using social media and XXXX to ensure the Public is aware of their malfeasant behavior. The maintenance man XXXX said, the culture at XXXX is ruthless. They have meetings were they encourage managers to look for new ways to bill residents for anything they can think of. The turn around of tenants according to the Town Manager is he highest in XXXX, CT. Please investigate this company and remove this fraud off all my credit reports. Thank you and best regards. XXXX
On XX/XX/2017, Equifax announced that the data of 143 million Americans had been stolen. They have indicated that my data is likely included in this breach. ( https :  //www.equifaxsecurity2017.com/ ) The negligence here is astounding. Now, both time and money will be taken from me as I set up security freezes with the 3 major credit reporting companies in order to protect my financial future.
I have been trying to get a loan modification from XXXX XXXX XXXX since XX/XX/XXXX which the loan has now been bought out by Rushmore Loan Management Services. While it was with XXXX XXXX XXXX, after asking for help I was told I would have to skip XXXX payments which I did and then they would talk to me about helping me. They then sent me a letter telling me what I needed to send them which I did and to start making my payments again which I did. They said I would here back from them within 45 days. Before the 45 days were up they put us in foreclosure and never let us pay again even though we could make the payments and made us accrue over {$100000.00} in interest since XX/XX/XXXX. I have an attorney working on this with me. The last correspondence we have had from them was in XXXX XX/XX/XXXX which is well beyond the 45 days that they should have responded to us from the offer they gave us and our lawyer wrote back to them. This has been a continuing problem with this bank and has gone on way to long. This bank ignores our attorneys phone calls and we feel it is time the bank responds to us and our attorney. They have destroyed my credit letting this go on for so long. It is the banks responsibility to get back to us in a reasonable time frame and they are not doing that. I just want to hopefully receive this modification and finally move on with my life. I do n't feel the bank should have the right to keep this up in the air without any correspondence at all. I just want them to do what they should do in the correct amount of time allowed.
HOA debt. I received a letter dated XX/XX/XXXX on XXXX/XXXX/XXXX. they called my home phone and spoke to my husband on XX/XX/XXXX who has XXXX. When I finally received the letter of the debt which was not detailed. I found out it was for XXXX XXXX and XXXX XXXX HOA fees plus some accrued interest. I called on XX/XX/XXXX and was told now I owe {$420.00} more because of the time that passed and the fact that I did not return the phone call which my husband answered the phone and is not capable of writing messages. 
I then received a faxed copy of a letter that was sent out supposedly on XXXX XXXX, about 3 weeks from the FIRST letter and now the balance {$750.00}. 
They would not discuss and just said this was owed. I was willing to pay for the HOA fees plus interest and late fees BUT the {$420.00} for collection costs is ludicrous. 
XXXX was rude on the phone. 
I have paid the amount of XXXX which was the balance from the letter dated XX/XX/XXXX
I just checked my credit score and saw a 9 dollar medical bill put into collection from a supposed appointment in XXXX 2015 by FMS for XXXX in XXXX, WA. I 'd cancelled an appointment at XXXX XXXX weeks in advance but other than that I had no medical care with them. I was never given a bill or contacted, simply turned into collections for a visit that never happened. This is the billing line XXXX XXXXOur billing statements represent hospital and physician charges for XXXX. 
To pay your XXXX online at XXXXPlease call XXXX or toll-free at XXXX Monday-Friday XXXX to XXXXTo update the insurance coverage we have listed, call XXXX or toll-free at XXXXSince I never received a bill I ca n't set up an online payment, meaning I 'd pay the 9 dollars I do n't owe to clear up my credit
XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX did an Hard Inquiry on XXXX XXXX. 2017. on my credit report. This hard inquiry occurred without my permission!
Aargon Collection Agency is repeatedly trying to collect on a utility debt that does not belong to us. We have told them that the property was sold two months prior to the incurred charges but they keep hounding us. They have also reported us to XXXX  which is impacting our livelihood. Please help.
I DONT OWE THIS AMOUNT. I HAVE PAID TO DATE {$690.00} WHICH WAS NOT CREDITED TO THIS ACCOUNT. i RECEIVED NO BILLS NOR EMAILS ABOUT GOING TO COLLECTION. I CAN PAY MONTHLY WITH NO PROBLEM I JUST NEED A BILL
I have recently received a notice from HSBC Bank USA , NA, dated XXXX XXXX, 2016 that the servicing of my mortgage is transferred effective XXXX XXXX, 2016 to another mortgage services company ( XXXX ). The notice further states that no payments will be accepted after XXXX XXXX, 2016. My mortgage payment is currently auto deducted from my account with HSBC Bank USA , NA and this has been stopped. 

However, I also received a monthly mortgage statement from HSBC Bank USA indicating that my mortgage payment is due effective XXXX XXXX, 2016 and that the payment should be mailed to HSBC at a XXXX XXXX XXXX XXXX. 

My concerns are : 1 - The fact that HSBC has given only 15 days notice of the transfer of servicing, which is not sufficient time for consumers to be aware and make alternate payment arrangements. 
2 - The fact that they have discontinued my automatic deduction ( which ordinarily is deducted around the XXXX of the month ) with less than 60 days notice for me to make alternate arrangements. 
3 - The fact that HSBC has continued to bill me for a mortgage payment, which they have notified me that they have transferred, which they should no longer be able to do. 

Simply stated if the bank is unable to make the necessary arrangements in 15 days and continues to bill consumers, then why are consumers expected to make alternate arrangements in the same period of time.
Dear XXXX XXXX, Please provide me the Consumer of America with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974. 
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the XXXX XXXX XXXX due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).
Bank of America has reported me late on my credit report without sending me a notice that a payment was due. I have been on auto pay for the past year and have always made my payments on time. When I called the company I spoke with a Mr. XXXX who advised the bills and notice that my year was coming to an end was sent to the wrong mailing address as well as the incorrect email address. I'm trying to purchase a home and I need the mistake corrected. I 'am current on my payments, and Mr. XXXX has put in a request to have the mistake corrected. I need it updated with all 3 credit agencies ASAP.
Every time ERC calls, I them to stop calling me.I HAVE NO DEBT AND NO CREDIT ISSUE WITH ANYONE. 
I DO NOT KNOW WHY THIS ERC IS CALLING EVERY DAY. AND THEY USUALLY HANG UP WITHOUT SAYING ANYTHING. 
I want this to stop.
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 

I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
I 've responded to NCB Management Services Inc every time a letter has been sent to me. I have never done business or signed up for any credit with XXXX XXXX XXXX XXXX. I 've requested proof such as a signed agreement, payments made, credit received, etc so it could be forwarded to law enforcement, but have yet to receive anything but more letters demanding payment for # XXXX. I ask that they stop contacting me and remove this account from my personal credit report as it is not mine.
During the month of XX/XX/2015 I made a lump sum of 80,000 to pay off my mortgage. I then contacted my mortgage company about lowering my payments because the amount I owed was less than what I owed on my car. The mortgage company XXXX Midland Mortgage ) suggested that I modify my loan to lower my payments. They said my payments would go down from 1200 to 600 if I participated in a modification program. I was then told to not make a payment and that the company would be sending me new loan papers. I then received a late notice in the mail after I did as I was instructed and I called the company to notify them that I was confused on why I was getting a late notification when I was told not to pay my loan by their representative. They then told me to ignore it and that once I complete the modification the loan would show current. I did as I was told but at no time was I notified that this was being reported to my credit bureaus as late payments as it was my understanding that the loan was being modified internally. I was a customer that did not have problems paying my loan as I had just paid 80,000 to my loan. If I follow the plan that they want me to stay on, for a balance of around 24,000 dollars I would end up paying them XXXX for the life of the loan. The company wanted me to appear as if I was struggling to pay my loan to get federal approval for the modification when that was not the case.
Please, this is my SECOND complaint. First was Case number : XXXX. There is no way for me to reply on that complaint. 
Equifax opened XXXX *more* " investigations '', and even after I provided proof that they are reporting inaccurate information, they still claim that " We have verified that this public record is reporting correctly. '' It is NOT reporting correctly! The tax lien was *withdrawn*, it should be removed from my credit file. I gave Equifax proof that it was withdrawn, TWICE. They could n't possibly be " verifying '' anything. 

I need help with this. I do n't need you to just forward my complaint to them, I need to know you 're actually going to DO something. I should n't have to sue Equifax in order to get them to do the right thing and report accurately. Please do something, you 're supposed to HELP, please DO something.
I disputed this information 5 times and Equifax refuses to acknowledge their error. Please see my latest credit report from Equifax dated XXXX XXXX where they are reporting a date of XXXX as bankruptcy date. please see attached bankruptcy papers from XXXX bankruptcy courts showing a date of XXXX. Equifax refuses to change this error and continues to allege their reporting is correct it is causing me great financial hardship.
we file bk in XX/XX/XXXX it was discharged in XX/XX/XXXX some one attached my home too a bk in XX/XX/XXXX it been in that state for 6 years now the bank want give me any information on this bk they say see my attorneys XXXX @ XXXX who is not my attorney we dont have one we never file a bk. this same bank gave us a modification loan in XX/XX/XXXX too this day it has never show on any credit report some is wrong we are retired people this is too big for us can you help.
Ocwen is the servicer on our Mortgage. We have been in our home for 20 years and they claim we owe XXXX. The loan was transferred to them around 2008 and has never been recorded in the Court. We have constantly asked for proof of how much we owe, it has never been provided. Now they are trying to foreclose on our home.
Issue : Citibank deducts face value difference XXXX XXXX vs XXXX dollars ) from account principal, not pending deposited amount, on deposited cheques in XXXX currency. I filed a CFPB complaint one month ago, and was contacted by a Citibank representative who apologized in writing and assured me this would not happen again. However, it happened with the next XXXX cheque I deposited, resulting in a bounced cheque due to funds withdrawn from the account to cover the CAD to XXXX exchange rate. A citibank representative then refused to refund the bounced cheque fee, despite being informed of the outcome of the previous complaint ( refunded fees XXXX, and verifying it in Citibank 's records. 

Narrative : I regularly deposit paychecks in XXXX XXXX XXXX XXXX XXXX into my Citibank bank account. Citibank first deposits the checks as if they had been made out in XXXX. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive 2-3 weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on three occasions.
Nationwide Recovery Service, has placed an account back on my credit report XXXX XXXX, after sending confirmation in the mail that the account has been deleted from credit report in, XXXX XXXX.
XXXX XXXX XXXX and XXXX XXXX XXXX are continuing to collect on a medical bill that has already been paid. This is also showing on my credit reports.