WillisBack/dataset-financial-user-claim huggingface dataset:
I have received numerous amounts of calls DAILY since  XXXX / XXXX /   17  at both my place of employment and personal cell. I stated to the employees (  XXXX  and  XXXX  ) and a gentleman, that I would pay it on Friday  XXXX / XXXX / 2017 , but unfortunately not able too. I called left messages that I would pay it when I could as I was always working late and they were closed and were n't open on weekends also, being in and out of the hospital. Today  XXXX / XXXX / 17 , the gentleman stated very rudely that he was calling me to collect his money and I stated to him that I was going to complain about them due to them harassing me at work and he stated they do that to everyone and I informed him that was stated in the contract that I signed and by state law that they can not harrass people at their place of employment. He proceeds to tell me that he wanted to know the name of the law firm i was dealing with and that they were gon na send someone today to my job, and i stated to him if they did they would get arrested, The entire time  XXXX , is in the background being very unprofessional and cursing and stating that noone was going to get arrested and just downright rude. I plan to pay them but when I have the funds to pay them, but I 'd rather pay another store then this store and they are very rude and need to be put out of business.
On XXXX the XXXX of 2017, I was contacted by southwest credit systems regarding a debt the XXXX XXXX XXXX claims I owe them but as I have stated in previous claims, I do not owe because XXXX XXXX XXXX broke FTC law by making promises that caused me to make decisions that they refused to honor and they are violating the FTC law by trying to collect on this debt before the FTC has even finished their investigation. I will say to this company as I have said to the previous, this matter is being prepared to go to court if need be, since they refused to honor their own employees guaranties more than once, XXXX XXXX XXXX broke this contract and if anyone owes anyone money, they owe me for the termination and the time I am having to take to deal with this issue. This matter has gotten so far out of hand that I have even had to contact my senator, The Honorable XXXX XXXX in hopes of resolving this matter. This letter will service as an official Cease and Desist letter and any more attempts by this company to collect this debt, written, call, credit reporting, or any attempt not mentioned will result in legal action. I have made an attempt through the FTC to talk to XXXX XXXX XXXX as long as I could record the call and have a witness present and to this day they have refused, they have refused my offer of recorded third party mediation as well. I offered both of these as well as filing complaints with the FTC, FCC, Senator XXXX XXXX XXXXs office as well as the Consumer Financial Protection Bureau and all the company has done is send collection companies after me. This should be illegal and as I mentioned, Southwest Credit Systems choose to be in the debt collection business, it is not my fault that the companies they deal with do not provide them with full information of a case. Any communication other than one saying that they will be closing the account will be responded to by both of my lawyers and I will not be paying their fees.
- XXXX XXXX 2015 due to an XXXX I had the urgent need to go to visit XXXX XXXX XXXX XXXX located at Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Phone : ( XXXX ) XXXX They provided a XXXX for XXXX an offered an agreement to rent or purchase the equipment under the Heatlh Complex form. I market the rental option for {$30.00} a month. 
- On XXXX XXXX, 2015 I received the XXXX invoice/bill ( $ XXXX {$18.00} ) from XXXX and made a complain with the XXXX XXXX XXXX care center where they called to support my claim due to the documentation presented. 
- XXXX XXXX, 2015 I received a XXXX invoice for the same amount stating I was late with the payment. I went back to the medical facility looking for a solution and explanation to the problem created by their institution. ( Documents attached and date stamped ). They called me later saying my case was solve and that I will receive an invoice for the correct amount of {$30.00}. That invoice never came. 
- XXXX XXXX, 2015 I received the collection leter from the collection agency XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX with the case reference # XXXX ( to be provided later ) for a debt with XXXX on the amount of $ XXXX XXXX XXXX, 2015 I went to the XXXX XXXX XXXX XXXX facility to speak wit the supervisor ( XXXX Tel XXXX XXXX ) and from there call the collection agency to explain and provide the information attached. The collector agent that took the call was XXXX XXXX ( XXXX ) XXXX and her supervisor was XXXX. XXXX was not helpful at all and she recomemded paying the full amount to prevent being reported to the credit berau and then ask for the credit if any. I totally desagree with the proces since its not right to collect wrong amounts. 
- I said clearly to them that I was disputing the charges and they told me it would take few days for them to investigate. 
- I called XXXX on XXXX XXXX, 2015 during the afternoon to confirm that my case was being investigated and they put me on hold for about XXXX min losing the call at the end with no respond. 
- On XXXX XXXX I received a letter from XXXX reference XXXX and reference XXXX communicating that the above reference accounts are closed within their office. 
- On XXXX XXXX XXXX I received a new collection letter from AMCA collection agency located at XXXX XXXX XXXX, XXXX, XXXX XXXX with the Pin number ( XXXX ) to be provided and phone number ( XXXX ) XXXX. The collection is base on the same case used by the XXXX collection agency that closed their account. It seems XXXX ( XXXX ) XXXX uses multiple agencies to collect money without reviewing their files and answering calls. I dispute all the worng charges processed by XXXX and used by any collection agency.
Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


Experian : XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The issue is summarized in this letter I am sending to XXXX XXXX via certified mail : Dear Mr. XXXX XXXX XXXX, I appeal to you for resolution of this grievance as satisfaction could not be obtained from your customer service representatives despite much time sacrificed to that cause. 

In the 10 years I have held this home mortgage never has a payment been missed, never late. I have assured this with automatic payments. In XXXX of this year my payment amount increased by {$25.00} due to a tax increase. This incidentally coincided with an extended family vacation. 

Upon return I learned that my on-time XXXX payment had not been credited to my mortgage but instead held in limbo and a {$73.00} late fee applied. All because of this {$25.00} discrepancy. Despite the unfairness of this, I was willing to write it off to unfortunate circumstances, pay the late fee and move on. That is, until I received notification that you had reported my payment Past Due to the credit reporting agencies.

This damage to my creditworthiness with its potentially wide-ranging consequences is unjust and unacceptable. My loan payment was not late. The amount more than covered the principle and interest payments due. The trivial escrow balance in no way justifies this disturbing and damaging course of action by XXXX XXXX. 

I am requesting restitution from you in this matter through 1 ) immediate correction of the derogatory credit reports and 2 ) application of the {$73.00} late fee to my principle balance.
About a month ago I lost my Discover card and unfortunately somebody else found it I managed to charge about {$150.00} before the card was deactivated when I noticed the card was missing the first thing I tried to do was freeze the account but the website wouldn't let me do that for some reason so I called the woman on the phone said no worries she was going to cancel the card and issue a new one and start a fraud investigation I answered a bunch of questions a week or so later I received phone call I didn't get to the phone in time and they left a message so I called back and they asked a bunch of the same questions but I answered them the gentleman I spoke with said that it was a relatively small amount and that it should be pretty straight-forward he didn't see any thing else that the investigator would need I said Thank you and I hung up couple weeks after that the whole thing happened again I ended up receiving a voicemail I called back and I was asked the exact same questions over again I happily answered them but I did explain to the guy that I'd already answered all these questions he apologized and wasn't sure why the investigator once again I was totally looks like everything 's in order and I hung up when it happened the third time to say the least I wasn't as patient I couldn't understand why you repeatedly asked me the exact same questions and I gave you the exact same answers I don't know if you suspected that they were going to change or what was going on at this point I felt like you were kind of giving me the runaround I filed a complaint he eventually responded said that you're working on it I thought to myself well maybe they'll figure this out and we can move on I called one more additional time and I was told that everything look good and they didn't need any further information so I assume that everything has been resolved then today in the mail I get a letter saying that it has been determined that no fraud occurred on your account if I didn't have the card in my possession and it was used for somebody else what do you call that if not fraud? And it goes on to tell me that I'm going to be responsible for the balance I'm pretty sure there are laws in place to protect me from that I don't have to pay because some thief stole my credit card.
I have tried to dispute information within my credit report on Experian 's website ( XXXX ) and have not been successful. The website takes you through a series of steps and then at the end when all of the verification is done and the dispute page is suppose to populate it returns a notice stating that the request can not be honored. Furthermore, at the end of the notice it explains that Experian will not return correspondence. Now how am I to get in touch with the agency? They have no phone number available so that you can speak to someone. The number provided only allows for XXXX options and that is to order a report or give access if you 're a paying customer of some kind of credit monitoring/credit score product. I have been able to dispute the other agencies of XXXX & XXXX because they do n't lock out people if you 're not a paying customer. There is supposed to be a number provided at least to handle issues like this. They can not just deny access to them when they are making your personal information readily available to creditors and others. I mailed them a certified letter and I have not heard from them at all! If they do n't reply to correspondence then how am I to overcome this problem I am having with them. The computer can not solve my problem, but a person can if could get into contact with one. This is criminal and absurd! They purposely do this so that it can drive a wave of paying customers their way. If you do n't pay then you can not talk to anyone within the company to resolve issues. Once the online system locks you out, if you can gain access, then you are deadlocked. Please enforce that they supply a number for individuals who they aggregate data about and share with others. They should not have ever been allowed to have such a setup. I am sure I am not the only one with such a complaint or problem.
Reference to Complaint # XXXX I feel all my questions concerning a loan modification that was done in XX/XX/XXXX are still unanswered. I did n't pay my monthly mortgage of {$1000.00} ( which included principal, interest, and escrow ) from XX/XX/XXXX- XX/XX/XXXX totaling {$14000.00}, then why when the loan modification was done I owed {$32000.00}? Included in that total is {$2000.00} in recoverable expense. I want to know what those expenses were and if they are a ligament recovery item. Thank you for reviewing this matter again. I just want to understand why the amount owed is so much greater than what I would have been responsible if I did make the payments.
On XXXX XXXX, 2016 I opened a Citibank checking account ( Citigold ) under offer code XXXX. The promotion would credit my account with XXXX ThankYou Points ( redeemable for up to {$400.00} in gift cards ) if I " within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months ''. 

I have the promotion disclosure that shows the promotion is attached to my account. 

I made my first bill payment on XXXX/XXXX/2016 on a XXXX credit card. 

I made a second bill payment on XXXX/XXXX/2016 on a XXXX credit card. 

I contacted Citi customer service after I made the second bill payment in order to confirm that I had met the terms of the promotion. 

Citi customer service sends requests for status on promotions to another group which I can not communicate directly with and that group sends me electronic letters with the result of each inquiry. 

The first inquiry, XXXX, indicated that I was not eligible for the promotion but also seemed to reference an incorrect promotion ( XXXX that rewarded XXXX XXXX AAdvantage miles instead of Citi ThankYou Points ) so I called Citi customer service and submitted another inquiry. 

The second inquiry, XXXX, stated : " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I called Citi customer service a third time, indicating that I did receive this promotion and while I no longer have the original letter I do have the promotion disclosure indicating that the promotion code was attached to the account when I opened it. 

I received a third electronic letter from Citi client services ( XXXX ) again stating : " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I again called Citi on XXXX XXXX 2016. The customer service supervisor that I spoke to stated that even though I provided the promotional code it was their opinion that I was not targeted for the promotion and they would not honor the promotion. In addition, they refused to waive the fee for opening the CitiGold checking account. The supervisor stated that after the fee is charged I could call back and then Citi " may '' be able to waive the fee. 

It seems dishonest to allow me to open the account with the promotion code and after I fulfilled the terms of the promotion refuse to honor the terms of the promotion and refuse to guarantee me refunds for the fees associated with the account.
Defaulted on my loans from the original company. They told that all my defaulted loans were taken on by one collector. Then year later tried telling my had another loan I still owed on, and they never gave an answer Original loan company lied about how many of myany I had stop paying because do n't know what I really owe. So as far as I 'm concerned I 'm not paying anymore
On XXXX XXXX,2017 Navy Federal Credit Union Transferred {$710.00} from my savings account to my home improvement loan with out my permission and refused to put it back even after I told them the money was for personal things given to me by my lawyer to live on until about the XXXX of XXXX when my settlement comes in and I intend to pay off my loans in full.
My Chapter XXXX Bankruptcy was discharged in XX/XX/XXXX and most all debts have been removed from my credit reports, e.g., XXXX and XXXX. Revenue Recovery Services is still showing negative remarks regarding this debt from XXXX XXXX XXXX in XXXX XXXX, TN XXXX occurring XX/XX/XXXX. This negative remark has lowered my credit rating considerably and has resulted in me being denied certain credit.
Barclays is unwilling to allow me to share my own personal financial data with other companies. I have the right to share my own financial data.
On XX/XX/2017 we received a call from XXXX in reference to XXXX XXXX asking for a call back to XXXX I have asked several times for them to stop calling as we have no person by this name working here
American Express Serve card refuses to release funds on hold from a vendors error and even after vendor tried to contact them to release the funds, would not supply the vendor with the information needed to cancel the overcharge of {$83.00} from XXXX/XXXX/2015. Insisting that I wait 7 days for the change to just " Fall off ''. I understand that they have whatever policy in place for security, but after being presented with the necessary information from the vendor still refusing to relinquish funds, causing me to not to be able to buy food for my family.
I LIVED IN AN AREA WHERE I COULD NOT RECEIVE A SIGNAL FROM XXXX SO I CALLED XXXX AND TOLD THEM. THEY TOLD ME TOUGH YOU SIGNED A TWO YEAR CONTRACT. SO I WENT TO ATT AND IT WORKED FINE -- I COULD N'T SEE PAYING FOR A SERVICE I COULD N'T USE
I called XXXX XXXX XXXX XXXX collection agency ( Real Time Resolutions ) in XX/XX/XXXXto start the resolution process. I requested that Real Time Resolutions provide a documentation of the loan, proof that the loan was mine, and that the loan wasn't paid off according to the terms, as I paid this loan off in XX/XX/XXXX. There was a " process '' to get this information. I waited 24 hours and received a phone call back and was told they could give me no further information.

As there can be no documentation provide from the creditor this loan should not be reporting to my credit report. I filed a dispute with XXXX  with no resolution. When I called XXXX to discuss the dispute, I was told that the creditor just said that the loan information that was being reported was correct. I have still received no proof of the loan being legitimate.
I have spent over an hour on a 2 different occasions waiting to get through to someone to cancel my credit reporting service with no success. On a whim, i called the number to get through to someone about starting the service and was connected in about 5 minutes. I even sent an email to the customer service email. 

I want to cancel my service as it is not needed or desired.
Our mortgage company escrows our monies for our taxes. As of XXXX XXXX, XXXX they have not paid our XXXX property taxes.
I applied for a loan through Mobiloans to help improve my credit score by making regular payments. I was approved and made every payment on time and paid in full successfully. I noticed that they had not reported any information to XXXX or XXXX. I called Mobiloans customer support on XX/XX/XXXX to inquire about why it has not been reported to all three agencies and also to ask them to report it. They told me that I would have to send them an email with the request to XXXX - I sent the email request on XX/XX/2018. In the email I clearly stated that I would like my loan account and all payment information reported to all three credit bureau 's ( XXXX, XXXX & XXXX ). I also indicated my name, email address, phone number and my loan account number. I never received a response indicating that they had received the email or if they were investigating my request. I called mobiloans customer support line again on XX/XX/XXXX to inquire about my request and to ask why I still have not had a response. They told me to send the request again and also copy the support email box and they would make sure the information was going through and the request was being handled. On XX/XX/XXXX I forwarded my original email and also included additional information and sent it to XXXX and XXXX. As of today, XX/XX/XXXX I have still not had any response from Mobiloans. They have not acknowledged that they have received my email requests and they have not made any attempt to contact me with any information regarding my request
XXXX XXXX has been listed on my credit report with Equifax and XXXX I 'm not sure about XXXX because I am unable to access that report online. XXXX XXXX is backed by XXXX XXXX from what I have investigated thus far. I have made several calls to them trying to get resolution and find out why they are listed on my credit report with a date over 10 years ago. I was told by XXXX in XXXX dept. that I once had an XXXX Credit card with a open date of XX/XX/XXXX and account was closed on XX/XX/XXXX and deleted from my credit file XX/XX/XXXX. Somehow XXXX XXXX has my XXXX # and has been reporting that I have an open line of credit with them and paying as agreed. I have no idea who these people are and I do not have a line of credit with them nor I 'm I paying anyone under this name. I would like this removed from all XXXX credit reports. I am a single mother trying to clean up my credit and have been turned down for credit due to inaccurate information such as this reporting on my files. I have not been getting much help with anyone and they are speaking to me as if I am out of my mind or seeing this when this is clearly on my credit as revolving credit. I have called the Agency control, XXXX XXXX, XXXX XXXX and still no resolution. I was even told they have my name spelled " XXXX XXXX '' with XXXX XXXX. I would like to know Who these people are and how they are able to get away with something like this. Please help! Thank YOU!
On XXXX XXXX 2017 I made an online payment from XXXX XXXX XXXX to pay my mortgage to State Farm Bank, the payment never got applied. I called State Farm at least 10 times about the payment, every time I called them there was a different story. At one point as rep said they found the money in the cash reserve and that State Farm was going to apply the money to my mortgage the following month. I did not realize the payment never got deposited until I got a late payment letter in the mail. I called State Farm and they told me that they never had the money that the money was deposited in XXXX XXXX. I called my bank to see if we could stop payment but the check was already deposited. I called XXXX XXXX to see if they had the money, they said they have no record of ever having it deposited. I called my bank and they told me I needed State Farm Bank to sign and affidavit. I went to my local agent since State Farm is not a brick and mortar. After a few weeks my agent said State Farm refuses the sign. I called my bank ( XXXX XXXX ) and they said they can not do anything until we get that affidavit signed I have a hard copy of the check written out to State Farm Bank and the back of the check stating it was deposited by XXXX XXXX. I am at wits end and frankly want my money back.