WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX has been my Cellular Carrier for about 20 years. I 've always made every payment on time. I had their sister Company, XXXX XXXX, for awhile and due to problems, had to have it disconnected. During the time I had XXXX, it was combined-billing with my XXXX XXXX XXXX Cellphone Service. Sometime after cancelling XXXX, I began receiving notices from various Collection Agencies that I still owed XXXX XXXX XXXX for their Services. I contacted both XXXX XXXX XXXX and XXXX XXXX Customer Service, and they XXXX told me they showed no outstanding Debt on my Accounts. XXXX XXXX XXXX continues to harass me via XXXX Collection Agency after another, yet can not provide any proof of exactly when, where, and what the outstanding debt they claim I owe is for. The latest harassment is from a company called ERC, address is a XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I believe it is illegal to operate a XXXX XXXX XXXX out of a XXXX XXXX XXXX, a violation of Federal Law. XXXX claims that my debt owed is {$84.00}, for XXXX XXXX XXXX Account XXXX XXXX, which is not my current account number, although I have had uninturrupted Cellphone service from XXXX XXXX XXXX for approximately 20 years now. ERC Collections Reference Number being XXXX on their latest letter to me.. I have had about XXXX Collection Agencies over the years, hounding me for this money, and every time I contact them and explain that XXXX XXXX XXXX has verified with me by phone calls to their Collections that I owe no money, the Collection just gets sent to another different Collection Agency who begins the harrassing letter process over again. I have responded to these Agencies in writing several times, refusing to pay anything, based upon my conversations with XXXX XXXX XXXX and XXXX XXXX both stating that I owe nothing. This continuing harassment for no proven valid reason has damaged my Credit Rating, and at this time I request followup investigation, and notification to XXXX XXXX XXXX and all Collection Agencies past, present and future involved, that this is a Complaint for unjust harassment without substantive proof, and that they are to immediately sease and decist, and that I am entitled to any and all reparations under the Law for their conduct towards me, and for the continued non-stop harassment that I have encountered over the years, due to these Companies falsely accusing me of oweing money without any substantive proof of such, and despite my repeated phone calls and letters to these Companies, who have XXXX agreed verbally that I owe them no debt, but have failed to remove me from Collection Agencies rolls,, promptly and properly, per all Laws XXXX State and Federal. Further, I request that all resulting correspondence of any nature be addressed to me in writing and sent to me, and that it contain a name, department, and phone number of any employee seeking any information relative to, and or pertaining to, any aspect of this entire matter. I also request a receipt of confirmation in writing, for this complaint I am hereby filing.
Back in XXXX 2017, Upon reviewing my credit report via XXXX, I noticed a several negative debts on my credit reports. I disputed them with the Credit Bureaus. All the negative times were removed except the company, which is the subject of this complaint. The company name is " Preferred Credit. '' Credit Bureau told me to contact the company. I followed up with the company, provided them with police report and my identifications. They refused to resolve my dispute, citing there is nothing to indicate that I 'm not responsible. When asked on what basis they reached that conclusion, they are unable to convey a direct and logical response. I have consulted with a lawyer ( " XXXX XXXX, XXXX. ) who told me to contact the CFPB as a condition precedent to filing legal action. I have made a request for Reproduction of Documents upon which the company reached their conclusion of " no indication of fraud '' but have yet to hear from them. Please contact the company and instruct them to remove the negative item from my credit report which is the result of identity theft. 

Impostors have used my name on several occasions and based on the documentary evidence in my possession, the credit collectors have cooperated and cleared my name. However, Preferred Credit has been unfairly intransigent in their attempt to frustrate me into paying for something that I have no knowledge of. They are affecting my credit in the meantime and refused to turn over documents to me.
I have refinanced all my student loans, on all three credit report there is a number of duplicate accounts for the same student loans that are not being recognized as the same or updated as the same, they are more then 7 years old and only one of each shows paid
On XX/XX/2018 my vehicle got into a total lost accident. At the time I had XXXX XXXX   and they took care the remaining balance with bmw financial. Prior to this issue, I had issues with bmw not reporting to the credit bureau my monthly payments and I contacted them numerous of times. I spoke to a guy by the name of XXXX XXXX numerous times and sent in an affidavit and he promise the issue will get resolved and they will report everything accurately. Yesterday I checked my credit report and it show voluntary lease terminated and balance owe. At this time Im trying to get a new vehicle and I cant because this is affecting my credit. I called bmw and spoke to 3 people this morning and they told me they will try to get this resolved but I dont feel confident they will because my prior experiences with them not resolving it. They account is paid off and I also paid my deductible of {$1000.00} there it should be update with the dull amount paid off of {$32000.00}. It should not report like that and show that it was paid and no balance is owe. I want this fix immediately. I have no vehicle to get back and forth to worth. I have a XXXX years old son that needs to go to school. This is a big inconvenience and my credit has dropped.
This complaint is connected to complaints number XXXX and XXXX. Bank of America refuses to remove a fraudulent charge on my credit card by XXXX XXXX. I never authorized the charge and it was for the next full year of service that I refused to accept. I have sent documentation to Bank of America that clearly shows that I refused the {$490.00} charge on my card for future services. XXXX XXXX sent Bank of America old documentation claiming that the charge was accurate. I am claiming fraud by XXXX XXXX as they billed my credit card without authorization from me for a full year of future service which I clearly did not authorize and in fact refused. 
XXXX XXXX claims that they were listed as my authorized agent on the State of Maryland website which is not true as I filed to have them removed. I have written to the State of Maryland to verify that XXXX XXXX was not listed as my authorized Agent and had been in fact been removed ( see attached documentation ). The State of Maryland has sent me documentation that clearly shows XXXX XXXX is no longer listed as my registered agent and is simply lying. They were removed effective XX/XX/2018. XXXX XXXX continues on with the fraud and Bank of America lets it continue.
yes XXXX XXXX put in another credit card under my information useing my ssi number fraud address u need contact her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Hello, I am filing this complaint against the XXXX  credit reporting agency and XXXX XXXX XXXX regarding an erroneous collections account listed with Fidelity on behalf of my previous apartment leasing company. They are attempting to collect rent for months that I have proven I was not living at the apartment, and I also gave ample notice to the landlord that I was going to be moving out of the property. 

I first gave notice to the landlord in XX/XX/XXXX, and then again in XX/XX/XXXX. I had completely moved from the property and was at my new residence by XX/XX/XXXX. The leasing company is trying to say that I was " under contract '' through XX/XX/XXXX, but Ohio courts consistently rule that the landlord has a duty to mitigate and find a new tenant whenever a previous tenant moves out of the property. Even in cases where the tenant vacates only a few months after their initial move-in date, and then only gave as little as three days notice to vacate, the courts still rule with the tenant as long as they have removed all of their belongings from the apartment and are no longer residing there. In my case I had been living at the property since XX/XX/XXXX and first gave notice in XX/XX/XXXX that I was going to be moving out, with another written notice by US Certified Mail in XXXX of XXXX. Since I still had my {$400.00} security deposit on file with the leasing company and had not received it back, I was paid through most of the month of XX/XX/XXXX since the monthly rent amount was {$460.00}. It could even be argued that they still owe me a portion of this security deposit since I had all of my belongings removed by XX/XX/XXXX. In addition, the property is located in a well populated suburb of XXXX where the landlord would have no problem finding a new tenant if they had put forth any kind of reasonable effort to do so. 

I have attached several documents to this complaint asserting that I had indeed moved out by the beginning of XX/XX/XXXX and had given notice that I was doing so. I have also attached supporting court documents showing that I, the tenant, am indeed not liable for any rent after that point. I appreciate any help you can provide me on this since I have presented this info to both XXXX  and Fidelity requesting them to remove the collections account from my credit report and they have thus far been uncooperative in doing so. Thank you and have a nice day.
We need your help in getting clear title to a vehicle we purchased 6 years ago. Here is the story. We purchased our XXXX XXXX Jetta GLX Wagon XX/XX/XXXX in XXXX, XXXX. Our financing options were limited, leaving us to enter into a high interest car loan ( 29.90 % ) with Westlake Financial of XXXX, XXXX. We were able to pay off the car within months of the date of purchase, but we never received the title and are in need of disposing of the car as it is not worth repairing. 

Because of the amount of time that has passed and the fact that we have physically relocated 3 times since the purchase of that vehicle, I can not locate the file that contained the original loan and purchase documents. That is why I thought I would simply go to DMV and file for a " lost title '', but they pointed out that Westlake Financial was still listed as lien -holder and that they would have to file for a lost title if that were the case. Here is the breakdown of the financial activity around this purchase : PURCHASE DATE XX/XX/XXXX ; AMOUNT {$8800.00} ; 1st DOWN PAYMENT {$2000.00} ; FINANCED - Short Term 36 mos. @ 29.90 % {$7700.00} = $ XXXX/month ; XXXX. PAYMENTS MADE : 4 @ {$330.00} = {$1300.00} FINAL LUMP SUM PAYOFF XX/XX/XXXX ; AMOUNT {$4400.00} Our purchase was financed through Westlake Financial in California at an interest rate of 29.90 %. We initially put {$2000.00} down and financed it at that outrageously high interest rate for a 36-month term with the understanding that we would return in the very near future with a 2nd final payment to avoid excessive interest payments any longer than necessary. 

After attempting to make contact, they were excessively rude and immediately accused us of never satisfying the loan. When I asked if that were, indeed the case, why then had no one from their company reached out to us in all these years so that I would have had the necessary documents to prove that we did in fact satisfy our debt to them. Their tone became increasingly hostile when asked about my spouse who I informed them that my legal spouse is a woman ( as am I ), sending the person on the phone into a whipped up frenzy spouting accusatory rhetoric. Some of it was difficult to understand due to a very heavy XXXX speaking accent so I chose to terminate the phone call and research what my options are at this point as I must dispose of this vehicle. 

So this is where we find ourselves with a financing company who claims they never received the pay-off and the fact that they are a frightening predatory lender who was forced to pay fines and forgive auto loans due to illegal collection methods, ( according to an article in the XXXX XXXX that lead me to reach out to you ) I am frankly afraid to reach out to them again. 

It has taken us several years to repair our credit after losing our employment in XX/XX/XXXX which led to the damaged credit that gave us no option but to enter into a car loan with Westlake Financial at 29.90 % interest back XX/XX/XXXX. Now we are seriously concerned about them taking a fraudulent adverse action against us that could cause us financial damage in the process of making us pay for this loan twice.
Our card number which Citibank drafted our XXXX payment changed we registered the new card number and Citibank drafted the payment prior to XXXX XXXX leaving our account current. I live in XXXX but went to XXXX to be with my grands. I return to find a delinquent balance of {$440.00} and an increased in interest rate from 0 % interest to 29 %. Citibank informed me they did not draft my {$220.00} payments for the months in XXXX and XXXX and did not know why. There was more than sufficient funds in the account. 
Citibank apologized and said if we made the {$440.00} payment they would reinstate my account reduce the interest rate and start back to take the automatic drafts out of our account again I immediately paid the {$440.00} requested to reinstate the account. I received a statement showing {$400.00} went to interest and late fees and {$40.00} was reduced from my balance. A Citibank employee explained we never reduce interest rates and we were probably told that to get us to pay the {$440.00} due because Citibank gives employees bonuses on money collected, but they never reinstate accounts. 
I filed several complaints and provided Citibank with their own records/statements showing my bank draft of {$220.00} for XXXX was made on time with a {$0.00} payment due on XXXX XXXX and their failure to make bank drafts in XXXX and XXXX caused us to be {$440.00} past due. 
I told Citibank that day I was not going to allow them to steal our money and we would not be make another payment until our interest rate was reinstated and we were given credit for that {$440.00} payment as usually applied without interest. 
Despite numerous complaints, letters and phone calls Citibank failed/refused to reinstate our account, why Citibank does not reinstate accounts. Well we do n't allow people to steal our money. 
After several months of failed efforts to get Citibank to check their own account statements of the last XXXX payments to the account which I willing provided and review their records of stopping bank drafts which demonstrated their failure to draft payment caused the XXXX late payment and late fees Citibank charged the account off and placed a negative report on my husband 's credit. 
Said charge-off without just cause was a devastating blow to my husband 's XXXX years of good credit with Citibank and to his pride in paying this bill on time for over XXXX years. 
This account was current as of XXXX XXXX and in good standing, all activity following that payment was due to acts and/or failure to act of Citibank employees who despite their error failed refused to reinstate our account that year. 
Citibank abused their powers, stopped taking payments, increased our interest rate, wrote off the loan, sent XXXX to demonstrate their loss as our income, ruined our credit and stole our XXXX year record of paying on time, why to increase their profits by lending that same money at a higher rate to someone else. 
Citibank also stop taking payments from my Home Depo account # XXXX XXXX XXXX XXXX without just cause which forced me to accept a settlement. Said acts appear to be a bad pattern/business practice of Citibank.
I applied for a credit card in mid XX/XX/XXXX with Bank of America. My wife recently applied for a card with them, got a good credit limit and decent interest rate, so I decided to apply for one as well. The balance transfer offer is what really got us, 21 months 0 %. I applied for the card and upon submitting my application I received an email saying it was under review. That was fine, understandable. I was approved the very end of XX/XX/XXXX/beginning of XX/XX/XXXX. I received my new card and terms of my new card on XX/XX/2017. I was very suprised to find that they gave me an interest rate of 21.49 %. Again, that was fine ( for right then ) as I was focused on just using the 0 % balance transfer offer and paying that balance off before it expired. On the VERY SAME DAY I recieved an offer for THE SAME EXACT card from Bank of America. Same Balance Transfer offer - 0 % for 21 months, HOWEVER, the interest rate AFTER the balance transfer would be 13.49 %. Obviously, I had my wife call immediately to have my interest rate lowered to the 13.49 %, since clearly my credit qualified me for it. When she got a representative on the phone, however, they were ZERO help. My wife is an expert in credit cards and knows a lot more about them than me, which is why she called. They refused to lower the rate, said they could assist in helping mm apply for the offer I recieved and were rude and disrespectful to my wife. My wife explained we recieved an offer of 13.49 % and the representative - manager - and other manager - told her that they do not send offers out with a set interest rate, rather a range of interest rates, implying that she was lying to them. I 've attached the offer received, it clearly states an APR 13.49 % after the XXXX offer expires! They then tried to tell her that credit profiles change - this offer was received XX/XX/XXXX and we applied for the card in mid XX/XX/XXXX. From the time the marketing offer was created to the time the application was approved that big of a change happened? ( It did n't - we monitor our credit very closely. ) Also, she was initially hung up on after being on the phone for an hour and she had to call back and start all over again. She was on the phone for over two hours trying to resolve this. I have serious reason to believe that Bank of America is not providing customers the interest rates they qualify for if they are applying online. This is completely unfair and not at all a good business practice. Additonally, the service my wife received is unacceptable. It could be a coincidence, but everyone she spoke to was a man and they were all disrespectful to her and treated her like she did not know anything. If I would have called in would I have been put through so much of a hassle? Bank of America seriously needs to take a second look on how they review credit profiles. I will not put another hard inquiry on my credit to recieve the interest rate offered to me on the marketing offer, because I should have recieved that in the first place. This seems like a major UDAAP issue as far as I am concerned.
I made a payment to pay off our second mortgage company said no payment was made. I have a receipt for payment from them. 
they took me to court when i produced the statement they dropped the case but did not release the mortage.
I have an FHA mortgage loan with Nationstar Mortgage and have been struggling with my payments due to a decline in income. I have attempted to obtain mortgage assistance from them, but their efforts on my requests have been a miserable failure on their part. Every time I would send in them the requested information, they would claim that they didnt receive it and then at other times they would say that the information was incomplete. However, I always sent them what they wanted. They have also never sent any written denials or written closures of my file. I was assigned a single point of contact, but he was unable to get the loss mitigation process completed. It has been six years of trying to deal with them and finally they set a sale date on my property. I was having financial difficulties, but was still current on my mortgage payments, when I initially contacted them for help. They said there was nothing they could do since I was not delinquent on my loan. They advised me to go late on some payments and that they would help me. Well, I did what they said and it has been a nightmare. I am now in foreclosure and they are going to take my home away. I believe that they saw that I have significant equity in my home and they are trying to take it away from me for their own profits. Their process and employees seem very confused and I can not get answers, but that has not stopped them from trying to sell my home. I can afford a reasonable payment, but they have completely shut the door on providing assistance. They should at least finish the review they started using my current financial circumstance to see if I qualify for a retention option, instead they are taking my home away through foreclosure. I get letters from them saying they will help, but when I call in to they never help. I have worked very hard to reestablish myself and deserve the right to have my mortgage reviewed for retention options.
Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : XXXX. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and Midwest Recovery started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.