WillisBack/dataset-financial-user-claim huggingface dataset:
I received a voicemail from XXXX providing an ID number of XXXX and requesting I contact them at XXXX. I contacted them and spoke to an individual named XXXX ( no last name provided ). He informed me that he was with Premiere Recovery Group, and that they were representing a payday loan company called XXXX XXXX XXXX. He stated that I owed this company {$750.00}. I asked him for the contact information for XXXX XXXX XXXX, and he did not provide it. I then asked him to provide Premiere Recovery Group 's address, and he asked me if I was willingly going to pay the debt. I informed him that I would not comment on the debt, and that all I was looking for was information at this point. He hung up on me. I called back, someone picked up the phone and hung up immediately. I called back again, and XXXX to a XXXX XXXX. I asked her for their mailing information, and she hung up on me. I called back and spoke with XXXX XXXX. I asked him for the mailing information, and he provided their mailing address ( XXXX. XXXX XXXX, XXXX, NY XXXX ). I thanked him, and ended the call. I called back again, and spoke with someone named XXXX. I asked her for a validation of the debt. She transferred me to someone else who did not identify himself. I requested they mail me a validation of the debt, he said that previous letters had been sent out by other debt collection firms. I requested clarification of his statement by asking him if that meant Premiere Recover Group had not sent a letter. He then said that they have sent information out to a previous address of mine. I informed him of my new address, and requested a debt validation letter be sent. He stated that one would be sent out today.
I purchase 2012 Honda Civic from XXXX located at XXXX Mo. XXXX. The finance man XXXX got the worse financing at 28 per cent from American Credit Acceptance XXXX, SC XXXX. XXXX got financing with a credit score of XXXX my credit score is XXXX for XXXX. 
The car was financed at {$7100.00} at {$250.00} for 48 months for total payment of {$12000.00} with my Down Payment of {$2000.00} for the Total Price of the Car {$14000.00}. 
I feel XXXX from XXXX got to be the worse finance man in use car history because I know of no one who has 28 % interest on a car loan. 
I want an investigation into XXXX and American Credit Acceptance. Also XXXX advertised the 2012 Honda Civic for {$7900.00} but in small print that was the price if you paid in cash that was pointed out to me by XXXX the finance man after I informed him they over charged me {$1000.00} for the vehicle. XXXX stated because of my poor credit score the price would be {$8900.00}. 
I want an investigation into XXXX and American Credit Acceptance. 
Waiting to hear from you. 

XXXX
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Bank of America card : XXXX XXXX {$2200.00} on XXXX/XXXX/2016, XXXX XXXX {$3500.00} on XXXX/XXXX/2016, XXXX XXXX,XXXX charges of {$2500.00} on XXXX/XXXX/2016 and XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.
XXXX XXXX XXXX XXXX - I signed up for XXXX XXXX card in anticipation for a trip my wife and I were planning on taking. The promotional material I received in the mail was that I would earn XXXX XXXX miles after spending {$4000.00} in first 4 months. I more than exceeded the {$4000.00} in four months but was only credited XXXX bonus miles. I called Citi costumer service and they said that I was never eligible for the XXXX points offer. I read for them word for word the hard copy letter I received in the mail and they indicated I had to send them the hard copy letter, which I did. I called them back after a week and they confirmed for me that indeed I was eligible for additional XXXX points. I said ... great, please credit me them so I can book our airline tickets as the prices / miles for the tickets I need to book have already increased due to their mistake. They simply told me they were unable to do so and the it would take up to 2 billing cycles for the additional credits to hit my account. In my opinion this is simply unacceptable and they are clearly responsible for any costs I incur due to increasing airfare considering it was their mistake and they admitted it was their mistake.
For over 7 days I 've been trying to access my accounts via the Internet and XXXX XXXX. All I 'm getting is the server is unavailable. Last Friday, XXXX XXXX, 2017 I went to the branch near me and spoke to a Customer Service Rep. She informed that the outside server is down but I can check on my accounts at any branch. 

Not having access to my funds are unacceptable. 

Please help
I used to have a credit card from " first progress '' and closed it before 3 month 's, today i discovered through my credit report that they aree Reporting As Delinquent, Derogatory, Or aeing Disputed. I tried to contact them throughout the telephone or email but they do n't have a un woorking telephone number or they do n't answer phones and they do n't have emails!!
I lived in a particular apartment building for approximately XXXX years. I moved out in XXXX of 2013, and in XXXX of 2013 I received a bill for rent covering a month I was no longer residing there. I contacted the property and they refused to work with me to resolve the issue. The property is no longer under their ownership and the collection agency has not responded to my dispute in approximately a year now. This is still on my credit report and is causing me great stress. I can not find a place to live due to this invalid debt. They could not provide me with a valid reason as to why I should pay them during a period in which I did not live there. Now that the property is under new management I have no way to settle this. My credit report still says that the debt has been disputed and yet no response or follow up. This has gone on far too long and I ca n't seem to get this removed and resolved.
I have noticed a new collection account on my credit report that -- I have attempted to contact the company Credit Protection Association ( XXXX ) and have been unable to contact anyone on the phone. All of my accounts are current and I am unaware on any outstanding credit issues. I am a XXXX employee and I am concerned with an account that may have been opened due to the XXXX data Breach.
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$300.00}
On XX/XX/2018, I have asked XXXX, XXXX and Equifax verification and validation of a Negative Public Record : XXXX XXXX XXXX XXXX XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over XXXX XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.
I purchased a car using XXXX XXXX to secure the loan in XX/XX/XXXX. In XX/XX/XXXX, : - ) have not been able to reach them. They no longer are a company. As a result of XXXX XXXX improperly not reporting my own finances are negatively affected. I've tried calling numerous times to no avail.
XXXX XXXX, XXXX TransUnion LLC Consumer Dispute Center To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX I strictly recommend you to start an investigation about the prior delinquency date, creditors name, opening date and type of this account, It seems inconsistent, so do so or simply remove it from my credit history. XXXX XXXX I truly believe that you are committing an error on the account type and status, examine this situation or erase this negative information XXXX XXXX Bank XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. XXXX XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is XXXX of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. XXXX XXXX Perform an investigation over this information, I have found somethings that I consider are inconsistent, like the account status, terms, and opening date, If I am correct please proceed to fix it. INCORRECT ADDRESS XXXX XXXX XXXX XXXX, OH XXXX Can you please verify this address I believe there may be something incorrect repair and provide my current address XXXX XXXX XXXX XXXX XXXX, OH XXXX. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the XXXX appear on my id docs Navient XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX Perform an investigation about this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX There is a possibility that a mistake is happening here, there is a 30 days late payment that I consider could be mistakenly reported, so please correct it XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. XXXX XXXX XXXX A big mistake seems that is happening here, the date filed, status, and the plaintiff name of this tax lien needs to be reviewed, im not sure about their accuracy, if not simply delete it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : ***********
The medical collection was put on my report, erroneously. I have always disputed the information AND how can the collection agency verify the accuracy of the account without violating the HIPAA Privacy Act? Additionally, it appears to be listed as an " Unknown '' or " Unnamed '' collection on both my XXXX and XXXX report but the same amount and what seems to be the same account number shows up on my XXXX  report as Phoenix Financial Services.
Received call from XXXX advising they were Calvary Portfolio calling on a personal matter. I researched and found they were debt collectors, I called back. They said it was a personal matter when I asked if they were debt collectors. I advised that pursuant to the debt collection laws I requested that contact in future be in writing, they again advised was personal matter. I spoke with agent XXXX at ext XXXX and then the floor supervisor XXXX, that was the names they provided. They have been put on notice and still fought me on calling back to discuss the matter. I feel they are using " personal matter '' as a way of hiding their true nature and an attempt to get around the fair debt collection act laws.
I request that equifax remove out dated personal information name address jobs spouse phone numbers .I sent letters to them twice to remove these items they only removed 2 address only please remove all that is the letters I sent you { because it is alot of personal information I did not post here
Chase is continuing to report a mortgage that was opened in my name without my consent. I have disputed the debt with the credit bureaus and have submitted an official police report. the entry is effecting my debt to income ratio and I 'm suffering damages because I ca n't get approved for what I need. Please make not of this complaint and help me to resolve it quickly.
I COMPLAINED TO CFPB THAT I AM HAVING PROBLEMS WITHGETTING M Y $ XXXX BACK REWARD. I RECEIVED A LETTER FROM THE PRESIDENTOF THE COMPANY THAT MY ACCOUNT WOULD BE CREDITED AT THE END OF THE NEXT BILLING CYCLE ( XXXX XXXX. ) ICALLED THE CREDIT CARD COMPAN Y TODA Y AND THE REPRESENTATIVE SAID SHE COULD N'T CONFIRM AND SHE WOULD SWITCHME TO A SUPERVISOR. I WAITED ON HOLD FOR XXXX MINUTES AND THEN HUNGUP. I REQUEST IMMEDIATE PAYMENT OF THE MONEY I HAVE EARNED.
Transunion is still reporting inaccurate information on my credit report XXXX XXXX XXXX account was to be deleted along with XXXX XXXX/XXXX should have been deleted. I have been disputing this for months now and it was verified from another credit reporting agency to delete the information. Transunion should have received the same response. They just keep updating the information. This is probably my 10th complaint about transunion. It is ruining my credit score. Transunion also is not reporting a new account that I opened recently XXXX with a {$500.00} credit line. I used the card up to {$410.00} then paid the card in full to a XXXX balance. I contacted XXXX and was told they report each month to the credit bureau. I have 2 accounts now with XXXX and stills the new account is not reporting. Paying this card off to a XXXX balance should help my credit score. I contacted transunion and got nowhere. I am submitting this complaint in hopes they will finally delete like the other credit beurou did. They are ruining my credit worthiness.
In a previously issued complaint, XXXX, XXXX XXXX XXXX only provided information to falsely support 1 loan the collected on. But failed to confirm that they are still illegally garnishing me for 3 more loans. Despite the fact the company they are collecting for, XXXX XXXX XXXX, was ordered to stop all collections. They also did not correctly address how they improperly served me.
I noticed that there was a XXXX dollar transaction cancelled on my Western Union account with the last four digits of a card number that I do not recognize. I immediately noted that my account must have been hacked. Thankfully, while no money was transmitted under my name, I was concerned about the breach and reported this promptly to Western Union. I was provided a ticket number XXXX, and advised that there would be an investigation. I was not contacted anymore thereafter. I desire to know what has transpired since that time.
XXXX XXXX continuously reports inaccurate information to the credit reporting agencies that are listed on my credit report, after requesting proof of validity and verification multiple times. 
I am asking that XXXX XXXX remove this erroneous and inaccurate information from my credit reports.
This incident happened XX/XX/18. I had transferred money on my American Express Serve account. Lost my card and was unable to access my money.
This is a SYSTEMIC issue that I wish to address with Regards to TD Credit services. They do not offer EMAIL ALERTS before the payment is due ; rather they offer text alerts, which means you have to pay for the text. This is done to deliberately have people late on their credit card payments as most people do n't want to pay for texts. This issue must be addressed, it is a systemic issue, and it has me getting behind on my payments all the time, I have XXXX other credit cards, and I am on time with all of them, because they have Email alerts that alert me a few days before my payment is due, but TD however WILL NOT ALLOW EMAIL ALERTS, they will ONLY allow TEXT ALERTS. THIS IS A SCAM, AND A RIPOFF, THIS MUST BE ADDRESSED.
XXXX XXXX XXXX, acct XXXX .... I submitted documentation to XXXX, and XXXX. I have sent certified mail via USPS to address on file with XXXX and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked XXXX, and XXXX to delete item from my credit report as unverifiable, but XXXX, and XXXX has refused to take documentation that I supplied to delete and XXXX refuses any correspondence from my attorneys or myself. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplied the XXXX-credit bureaus with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account, but none of the complied. Additionally, I asked that each bureau provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores. Most recently creditor updated my XXXX file on XXXX/XXXX/2016 that I owed {$8500.00} an additional amount after verifying I supposedly owed {$8400.00} on XXXX/XXXX/2016 and XXXX on XXXX/XXXX/2016 ; updated my XXXX file that I owed {$4600.00} on report XXXX dated XXXX XXXX, 2016. This creditor is intentionally trying to destroy my credit by updating false information and XXXX is an accomplice to the act by refusing to accept my documentation that the debt does not exist or remove it until company is willing to provide documentation. 
This creditor is using reporting laws to illegally affect my credit and the credit bureaus are ignoring the reporting laws to assist this company in its illegal act.
GMAC hired XXXX XXXX to repossess a vehicle that my ex girlfriend, also on the loan, took when we parted ways. XXXX XXXX ( Case # XXXX assigned to XXXX XXXX XXXX ) sent a truck to my door at XXXX on XXXX/XXXX/XXXX. The representative for XXXX XXXX told me he was trying to locate the XXXX XXXX. I explained to him that my ex-girlfriend had the car and that I believed her to be living in Mississippi. The XXXX XXXX representative then told me that I will be charged with a 3rd degree Felony. He gave me his business card and left. He was driving a tow truck. I do not believe it is legal for him to threaten me with a felony.
Since XXXX XXXX America 's Servicing Company on several occasions XXXX billed our mortgage payments making it look as if we 're defaulted on our mortgage. We 've brought it to their attention and they have n't fixes it. No we have a Sheriff Sale date of XXXX XXXX 2015. We 've ahad a loan modification to fix the problem only to have them do the same. Their claiming we have n't paid our mortgage in 5 yrs. This has been on going for 9yrs with.them. They 're reporting this on my credit report ruining my credit, and made XXXX hard pulls on my credit when I was n't applying for credit with them.
On XX/XX/XXXX I submitted Mortgage Loan Application to Chase Bank Mortgage Banker ( XXXX XXXX XXXX XXXX ). I spoken with the subject on the phone few days after the application as submitted and she requested I provided with her some of my personal financial information thus she can better assist me with the loan application. On XX/XX/XXXX at XXXX I received an e-mail from XXXX XXXX stating she was unable to run the pre-qualification in her system due to computer issue, however she was able to get my credit report and did found an item on my credit report and advise I call her because it is relatively easy to fix. On the same day approximately XXXX I called XXXX XXXX and she told me she is on the phone with credit report agency and she will get back to me. 

Since then I never heard back from XXXX XXXX and on XX/XX/XXXX at XXXX I e-mailed her about the status and I received no reply. Thus, I 'm respectfully requesting XXXX XXXX to remove to remove credit inquiry she have made on this application, thus I can contact someone difference. XXXX XXXX communications skills needs work and she should not request consumer credit report and or financial information if she is going to disappear with out any notice. 

I feel my credit report was neglected by her and it needs to be removed by her bank ASAP. I 'm currently in process of buying home and last thing I want is have chase run my report again because of her lack on confidence.
I have contact Gm Financial to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them
In XXXX XXXX, my mother and I closed on a refinance on her property. Since then a lot has changed. The mortgage was sold to TruHome without any notification to either mother or myself. There was also a Hardship Application we could file in case of hard times. Now TruHome is refusing to follow through with the Hardship and wanting to scam or steal the property my mother has lived in for over 50 years. They say I now do n't have anything to do with it and my loss of employment will not count on the Hardship Application. The person I talked to on XXXX XXXX, XXXX stated they just received the Hardship Application when I have proof in print that the paperwork was received by that same office on or before XXXX XXXX, XXXX. It is clear that they are lying and are clearing trying to take the property for no reason but for their own profit with no regard to the XXXX XXXX XXXX woman in not good health on the street.
Im very upset at Select Portfolio Servicing. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I right now have sale for home on XXXX XXXX, 2017 at XXXX I still to this day can not get a loan modification they always denying my loan modification. Please help me with this. I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. I have sent them all documents for packet of loan modification. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer.
On XX/XX/2018 I posted the monthly payment due XX/XX/2018. Instead of posting it as a monthly payment, the company posted it as additional principal. I had CLEARLY indicated it was a monthly payment but they ignored this. 

This has happened before in the past and they have not fixed the recurring problem.