WillisBack/dataset-financial-user-claim huggingface dataset:
Trinity Hope Associates attempts to continue to collect a debt that is not due. It is a medical bill fromXX/XX/XXXX that was paid directly to the physician's office. I provided proof of that with them several times and disputed the debt in writing and verbally. They continued to try to harass me into paying anyway. I submitted a complaint to your agency in XX/XX/XXXX Case number: XXXX. There were attachments made in that case that I can not locate at this time to attach again. The last correspondence of this was that I provided again proof of the paid debt and they did not have any further response to me or you. There was nothing else communicated to me by them until recently, XX/XX/XXXXwhen they started calling/mailing me repeatedly again demanding payment. They would try to call at different hours and talk to my husband (who is not on this account and shouldn't receive any information about it) and demand payment from him. They even once told him I was trying to call them to make the payment so he should just "hurry up and do it" for me. When I spoke to them myself, I explained the whole situation again and they said they still have no record for the proof of payment and asked me to send it again. They clearly do nothing with this information that I've already sent them! They suggested that I just pay it again anyway in order to avoid "a higher counsel" and/or legal fees if I was to take legal action against them. I have disputed this debt many times and they are still contacting me, which I believe is illegal debt collection practice. Please advise.
Equifax sent me a letter stating that almost everything was removed from my credit report except for XXXX item from XXXX XXXX XXXX, they claimed this was my account. Now I have been in touch with XXXX XXXX XXXX and they have told me that someone that I did not know was on that account and that they were investigating it. I would like the proof Equifax has received from XXXX XXXX XXXX since XXXX XXXX XXXX has not contacted me with their investigation results and another credit reporting agency blocked them from my report due to identity theft.
My wallet was stolen and now I have a bunch of charges on my account! I notified my bank and they gave me a claim number ( XXXX ) but my money is still missing. How could this happen?!
Always apply any freezes and unfreeze to report online. Attempted to temporarily lift credit freeze online for a certain amount of days and received error message. Attempted again TWICE and payment processed and charges fee TWICE but freeze not lifted without written letter that I have since submitted. No fee should be charged if freeze was not lifted and there is no reason why my account should require request in writing unless this is retaliation for filing earlier complaint.
(1) I created a new account at Coinbase.com (2) I linked my XXXX XXXX account to my Coinbase account (3) I transferred XXXX Bitcoin ($XXXX USD) to my Coinbase account from another Bitcoin wallet - this transfer was enabled because Coinbase provided the wallet address to which I could send it (4) After my transfer was made, I could not sell or even transfer my bitcoin balance because my identity was not verified by their system and their identity verification system was/is not working - my funds were held captive and I could not and still can not do anything (5) I contacted Coinbase support two weeks ago (XX/XX/XXXX), I received notification that my request had been submitted but they have still not responded to the issueObviously I should not have been allowed to transfer money to my account (ie Coinbase should not have provided me a receiving address) without being notified up-front that it will be locked there until my identity has been verified - and their identity verification system is not working
I had the insurance on the credit card that I paid monthly for and when I lost my job, the insurance paid the debt in full. Ever since, they have tried to bill me for {$280.00} in interest and late fees from after the debt was paid. They are harrassing, call all the time stating they will sue me over the {$280.00}, I have tried to dispute this. They do not provide me with anything but a simple statement showing the money owed, there is no validation to how the debt was incurred and they have falsely reported this on my credit reports. This is the only derogatory issue on my credit report at this time and I want to resolve this once and for all. The credit report on XXXX shows the Date Opened was XXXX but last report on XXXX. Everything about this account is incorrect and they constantly harass.
Hi, I have been dealing with cash express for some time trying to pay off a title. The last payment was due on XX/XX/XXXX my last payment was due on the XXXX I assumed it was the same day every month. They charged a XXXX dollar late fee. I have already paid XXXX and they say I still owe XXXX on a XXXX dollar loan. The total of payments on my loan is supposed to be XXXX. It seems really shady and excessive fees for a loan. The lady told me when I took out the loan I would make 13 payments now they say its 22. Can you please investigate there policies and make sure they are following the guidelines. There predatory process has really put me in a spot.
Debt collections services from Portfolio Recovery Services are constantly calling my phone number, which I have not given to anyone. They refuse to disclose who they are trying to contact ( when I return their call ), demanding I first answer their questions ( which I refuse to be compelled to do - as I see it as assisting them and acknowledgement of their illicit tactics ). I have explained that I alone live at this address, and that I have NO outstanding accounts ( my credit score is mid XXXX 's ). I presume that they have linked this phone number to this address and are seeking someone who lived here in the past. In principal, I DO NOT give out information to unsolicited callers, especially those who, in essence, are holding me hostage with harassing phone calls as a means of generating income by collecting past due debt. As I pay my bills in a timely fashion and maintain good credit of my own, I feel especially violated. I 've repeatedly asked/demanded that they stop calling. They refuse to allow me to record the calls, aware that I intend to take legal action. In truth, I prefer that their tactics be exposed and they incur whatever fines they merit.
I have been trying to get FedLoan to accept the fact that I am a XXXX XXXX student and therefore subject to an education deferment for two months now. They lost the deferment paperwork I sent in and refused to respond to my queries with any personal replies. Instead, all I received were copy and paste responses from various different people who obviously did n't read my emails. No matter how hard I tried to get someone to actually read the emails I was sending, no one would do so. I would receive threats that I would be turned over for collection and be unable to get student loans, but no help, no actual response from a human, and no one would get a manager involved despite my requests. Finally I received an email stating that they were notified that I am in school with an " Out of School '' date of XXXX/XXXX/18. Now they are claiming that they do n't have the dates. I am still being charged and receiving threats that I will be turned over for collection and denied future student loans.
I have several inquiries on my credit report from XX/XX/XXXX through today. 
At one point I got them all taken off and now they are back on? Please help. What can I do. Here are the ones that have been removed and now are back on. 
XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I do n't even know what some of these are?? Please let me know what I need to do. Thank you.
XXXX XXXX is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via XXXX twice in the last 3 weeks -  included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from XXXX that the creditor has verified that my account is 30 days / {$230.00} past due as of XXXX/XXXX/XXXX. I have a print screen ( dated XXXX/XXXX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.
Phoenix Financial Services LLC is currently reporting an account to my credit report in error claiming that I owe a balance of {$410.00}. I have spoken with someone who advised that I try to work this out with the creditor before pursuing a legal route. I have sent many letters to this company in regards to this mark on my credit. I have not received anything stating what this is for. I have no recollection of owing this balance for anything. I would like for this to be removed from my credit before obtaining a lawyer to pursue the legal route.
Recently moved and received new land line phone number approximately one month ago. Allied Interstate ( according to my Internet research, this is a debt collection agency ) calls almost every weekday for several weeks ( from one to four times a day ; my phone keeps a record of each call for the last 2-week period ; see attachments for screenshots ). I assume that they are seeking to speak with the prior owner of my new phone number. I picked up one call and asked for the name of the caller and purpose of the call. The caller identified himself as XXXX XXXX and refused to provide the purpose of the call indicating that it " was against the law '' to provide such information. He insisted on obtaining information from me. I refused. Calls continued to come, unabated. The company is calling from phone number : XXXX.
In XXXX XXXX California on XX/XX/2013, a previously unknown third party or person asked me to deposit a check in my checking account with XXXX  XXXX XXXX, he said that he has cashed his last allowed check at the XXXX XXXX XXXX XXXX XXXX XXXX, and that this was his last check and that he needed some money. I deposited it and the check did not cleared. It may have being stolen by that party from another, or altered in some manner in a way that I was unable to recognize. XXXX  XXXX XXXX frizzed my account they said for my protection, later on few days later they closed my account and reported me to Chex Systems ; and XXXX  XXXX that the account was closed for fraud activity ; intent to commit fraud ; fraud, or intent to transact in an illegal no allowed transaction in an an-authorized manner. This info has being on my reports for more than four years preventing me from open an account with another financial institution, personal or business, no even a savings account for my corporation ( XXXX XXXX , XXXX ) In many occasions I have disputed it, but XXXX XXXX XXXX, Chex Systems and XXXX  XXXX have refused to correct and remove the information.
I bought a car from Drivetime, the sticker price was at XXXX ended up with a XXXX, in the end after all payments are made I would have paid them {$27000.00}, I notice after two years I am getting charge a daily interest rate of {$5.00}, its making it impossible to bring balance down I tried refinancing the vehicle, but its only worth XXXX, no one will refinance the car because of what the car is worth, the car is just below the sticker price now, at {$12000.00}, I have called them several times to give me a lower interest rate the current rate is 15.9, I would like them to lower so I can pay off this debt, but they will not work with me, I have made all my payment on time so far and still they will not budge
I have attached 2 complaints against XXXX XXXX. 

I has disputed XXXX XXXX XXXX XXXX that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX   appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing, and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1. For reporting an item that had already been removed 2.  Not responding in a timely manor. 3. Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. 

I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. 

Please remove immediately.
In XXXX XXXX, I received a letter from NFCU stating my credit card interest rate was being changed from 6 % to 17.99 %.. I contacted NCFU to try and work something out to lower the rate. They referred me to personal finance management. asked me for all of my financial information. While working with the finance mgmt., I received numerous calls every day. XXXX to my cell phone and XXXX to my home phone. THey declined to do anything about the interest rate. THey told me have my daughter quit he guitar lessons, sell my car, get a second job and put my kids to work. They then called me and said I was approved for a lower rate program if we scheduled a one time payment of {$230.00} and thereafter XXXX per month for 5 years to get the card paid off. We scheduled this payment for XXXX/XXXX/XXXX. I then received a call on XX/XX/XXXX that I was not in the program there is nothing they can do " and that I have plenty of money ''. They calculated our finances and we came out negative {$130.00} every month - to then say " You have plenty of money '' is not right and I am upset. I requested to speak with a manager and have not received a return call. I left a voicemail and e-mail. I have been harassed over this card, while trying to work something out to get it paid.off. I am frustrated. Please help.
I purchased a home XXXX 2017 and tried to register online to make my first payment for XXXX 2017. The company has no record of my loan information and can not give me online access to my own account. This is preventing me from making my first time payment and I am asked to use a coupon split with the information offered to me at closing. I live my life by having excellent credit and can not afford for my score to be lowered by a mistake made at the Banking level. I have my loan information and when I call and offer my ssn # the answer is no records found. I have a 30 year fixed.
I have notified LVNV FUNDING that I was a victim of Identity Theft, my wallet was stolen, I provided LVNV FUNDING with a Identity Theft Affidavit. To date, LVNV FUNDING has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
In XXXX I was contacted by Stellar Recovery Inc as they had bought a debt from XXXX XXXX The debt was for a DSL modem, which I had returned months before, to XXXX XXXX. I had contacted XXXX XXXX and told them that I had shipped the modem back to them, but because I did not have proof of this, they billed me for the modem. I explained to the Stellar Recovery Inc staff that the debt was invalid, and that I was fully contested the debt. I have heard nothing from Stellar Recovery Inc, neither telephone, nor written correspondence. On XXXX/XXXX/XXXX, I had an XXXX credit report done through my local credit union, and found that I had a notation on my credit report, with the debt showing as being generated in XXXX of XXXX XXXX absolutely false ) and that I was delinquent. This is damaging my credit, and I refuse to be bullied into paying a false debt.
I spoke with Navient about getting put back on a payment plan for my private loans since the payment plan that i was currently on would be expiring soon ( XX/XX/XXXX ). The representative assisting me took income/expense information from me and asked me to contact my co-signer to provide her income/expense information. After they gathered the necessary information, i was told that i qualified for a repayment plan with a 1/2 % increase from what i was previously paying. Due to my financial hardship, asked if there was any way that i could continue to pay what i had been paying. I was told no, and informed if i was unable to make the payment that my co-signer would have to. I told the representative that me and my co-signer would do the best that we could to pay the new higher rate. Navient then informed me that i am required to set up my account for them to automatically be withdrawn. I agreed since that is how it was set up previously. They had me verify my account number that they already had on file which was confirmed. XX/XX/XXXX me and my co-signer were contacted stating that i was behind significantly on the behind and demanded that i pay {$1300.00} dollars. I informed them that this should not be the case since they are set up on autopay. they then informed me that the payments have not come out successfully due to them not being about to " locate my account '' and that my bank needs to fix something on their end. I contacted my bank and they are unaware of what Navient is describing. Navient has called me several times a day harrassing me and my cosigner demanding that we pay the {$1300.00} now. Navient also had my address incorrect and i never recieve any documentation about my loans in the mail. I have verified with them repeatedly my address and someone always tells me that they have it updated and it never is when i call. it makes me think that if they can not get something as simple as my address correct, how can i possibly trust them with caring for my account. I 'm completely disgusted with the way that Navient handles business. something needs to be done and they need to help borrowers who are unable to make their payments.
On XX/XX/2017, I had a security freeze placed on my credit ( see attached ), for which I paid {$3.00}. Recently, when I logged in, I see that the security freeze has been removed without my permission. I have tried calling the company ( Experian ) multiple times on multiple days but can not get through. I have tried sending them the online forms on their website but these do not work at all! I just get error messages which make no sense. 

This is especially distressing because my house was burgled and personal information was stolen in the last couple years.
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX Southwest Credit SYS XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX  ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Collection Agency Aargon Agency is not located on my state secretary website that this agency/company is licensed and/or bonded to collect in my home state of Florida. Debt was last reported XX/XX/3018 in the amount of {$180.00}
This card was payed off in XX/XX/XXXX and there were charges made on it inXX/XX/XXXX then the card was defaulted on in XX/XX/XXXX these are fradulent and I wasn't aware of them till recently.
With a SunTrust 2nd Mortgage of 10 years and a SunTrust 1st Mortgage ( currently a VA Loan ) of 18 years, we submitted an application to SunTrust Mortgage for a VA Refinance to include our 1st Mortgage, 2nd Mortgage, XXXX credit card and XXXX additional loans. SunTrust denied the refinance and the principal reason for denial was " Poor Credit Performance with Us ''. When asked for an explanation, it was indicated the denial was due to the " 2nd Mortgage XXXX lates ( XXXX ) within the recent 12 months ''. 

We found this to be peculiar due to VA guidelines for Late Payments, " The applicant 's past repayment practices on obligations are the best indicator of his/her willingness to repay future obligations. Emphasis should be on the application 's overall payment patterns rather than isolated occurrences of unsatisfactory. '' Base on this reading, the XXXX late payments on our 2nd Mortgage were the only blemish on our Credit Report for the last 12 months. In fact over the history of our Credit Reports the only 2 accounts showing past dues were the 1st Mortgage XXXX XXXX XXXX XXXX XXXX and the 2nd Mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The 1st Mortgage has been in service for 18 years with only XXXX of the XXXX payments made past 30 days. The 2nd Mortgage has been in service for 10 years with XXXX of the XXXX payments being made past 30 days. In all cases the payments were brought current with all late fees and interest paid in full. 

At the time of application, we reported over {$6000.00} in cash, {$550000.00} in Assets and {$440000.00} in Investments with a credit score of XXXX for self and XXXX for my spouse. This couple with stable employment and a credit history spanning some 35 years and only XXXX account within the past 12 months indicating an overdue amount seem to be in conflict with the VA Guidelines. As a Veteran and a person that has handled his finances in a responsible way, I believe the Denial was based on something other than " Poor Credit Performance with Us '' and would like the cfpb to fully investigate.