WillisBack/dataset-financial-user-claim huggingface dataset:
Today at XXXX, I received a call from a XXXX XXXX with Professional Debt Mediation out of XXXX XXXX FL ( XXXX ), for an apartment lease deficiency. I do not dispute this debt, however, I have never been sent anything in writing regarding this debt and giving me 30 days to dispute said debt. I indicated as much to XXXX XXXX on the phone and she did not say I would be receiving or should have received a notice in writing. She asked for a financial commitment to pay the debt and I informed her that at this time, neither myself, nor my husband are working so I could not give her a financial commitment. I asked her again at that time, to please send communication through the mail because to call me is fruitless because I currently have no way of paying her. She proceeded to inform me that the company could take legal action against me, which I am well aware of and I told her I understood. She asked again for a commitment to pay the debt. I again informed her that I could not commit to pay the debt, as I have no income to do so. She asked me if neither my husband nor myself were working, how were we paying our bills?. I told her, very politely, that it was not her concern and started to tell her that I intend to pay the debt but before I could do so, she yelled at me that it WAS her concern how I was paying my bills because her client is entitled to receive their money and it IS her business to know how I am paying my bills. All the while she was screaming at me, I was attempting to tell her that I was not trying to be rude and that I was well aware of the consequences of me not paying the debt but I could not help her, since I have no income. She was still screaming at me while I was attempting to tell her this and said FINE, I CAN NOT HELP YOU! and hung up on me. I have been a XXXX since 2003, specifically working as a XXXX. Currently, I am in school to finish my XXXX. I KNOW that how I pay my bills is none of their business and when I went to assert this fact, I was berated and screamed at like a piece of trash. As of this date, I will be keeping a log of the calls made to me ( she called my husband at XXXX today, as this is a joint debt ) and the things said if I am again treated the way I was today. I know that debt collectors do not have to be all sweetness and light, however, they do have to be professional.
Real Time resolution has been fleecing my mortgage payment. I have over payed them by least $ {$600.00}. My 2nd mortgage payment should have been completed with XX/XX/XXXX pmt of {$240.00} this was made over the phone on XX/XX/XXXX. I show them pmt coming through my bank acct on XX/XX/XXXX. They have padded my account with multiple legal charges of which I have nothing do with. They should have sent me a letter showing that I have completely paid but instead I just received a letter showing that am 30 days past due. This is totally unacceptable and this company has very deceptive and fraudulent business model. Am asking your agency to intervene on my behalf
Capital  one  has closed my accounts for ungiven reasons. I still have a balance of {$440.00} in one checking account ending  XXXX  and {$520.00} in another savings account ending  XXXX . I was told by their agent that they wont release those funds to me, and I will have to contact the bank of those incoming fund to reverse the fund.That will be impossible for me to do. I dont understand why capital  one  cant release those fund to me after the accounts were closed by them.
Hi, I am a XXXX dependent that received a title loan from Title Max. I received about {$3200.00} and I 've already paid them XXXX payments of {$400.00} and after I calculated the total number of payments I would have to pay them over {$9000.00}. If you are a day late they start charging $ XXXX and your car is up for repossession plus you can no longer make payments over the phone. You have to go into the office which is XXXX minutes away from me. I am really considering giving them the car because I refuse to pay XXXX the amount for this car. Is there any loophole being that I am a military dependent?
I have been divorced from the debtor since XX/XX/XXXX and part of our XXXX decree states she is responsible for all of her debts which include XXXX XXXX and XXXX credit cards. I have never applied nor possessed a XXXX XXXX XXXX credit card. According to the documents they provided, the charges were made between XX/XX/XXXX and XX/XX/XXXX. Also, I believe the debtor has filed for bankruptcy since the charges. 

I sent a letter on XX/XX/XXXX, after their initial attempt to collect the debt, stating I am not responsible for this debt. ( letter attached ) On XX/XX/XXXX i received approx 50 pages from XXXX saying I requested this info ( I did not request anything ). 

The pages include a cover letter stating I requested this info, an affidavit of forgery, identity theft complaint affidavit, and copies of all charges made on the credit card. 

I 'm going to ignore these documents, but I want to file a complaint to help XXXX understand they are chasing the wrong person for this debt.
I have sent letters to the company ( Enhanced Recovery Co ) as well as my credit reports but they said that it was verified to be mine. IT IS NOT!! I never opened this and also it is falsely reported since this account was reported a few years ago by XXXX XXXX XXXX for XXXX XXXX and was removed from my reports after I disputed in XXXX ( I submitted proof of removal ) now that XXXX XXXX was bought out this company is trying to say I owe this XXXX account- I do not. I NEVER opened either.
My XXXX children attended College of XXXX for one year. We took out a loan with Great Lakes this was our only option to pay for the school. Our other option was for them not to attend. We took out a loan for about {$12000.00} for each child. At the end of two years we still owed over {$12000.00}. We were paying back the loan each month and the fees, interest rate killed us. We could not get ahead on this loan. We finally took out a line of credit loan at the bank and paid off Great Lakes. We had a % 6.00 interest rate at Great Lakes. Since taking out the LOC at % 3.00 with the bank I 'm over 1/4 of the way paying it off. Not only did I pay the loan off with Great Lakes they took an extra payment and took a month to refund it. This was the only option available at the time to finance with the College of XXXX. We paid for two years with cash at XXXX XXXX College for both our children. They both got an associates and when deciding to further their education they chose College of XXXX, and we financed it thru Great Lakes. I believe Great Lakes scammed me out of money by not applying the payments to my interest while we had the loan. The loan went down by {$400.00} in two years!
Reached out to the company concerning my loans and the only thing they want to do is continue to put my loan in forbearance so therefore these loans are still having interest added and there are several loans instead of one loan one interest rate
Equifax : Cybersecurity Incident & Important Consumer Information I was one of the folks affected -- - I went to the website and this is want I got : Thank You Your enrollment date for TrustedID Premier is : XXXX/XXXX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process.
For more information visit the FAQ page.
THIS is NOT GOOD SERVICE AND SHOULD BE STOPPED! I should not have to come back to protect my information. AND in the State of Washington there is a fee to block your credit report! 

This is crazy! 

XXXX XXXX XXXX
Someone used my identity for medical services. I filed the proper police report and the debt collection company still refuses to remove the debt from my credit report. I also requested a copy of the bill with signature but the debt company refused.
Is the second time in 5 years that I received a collection letter from a collection company which is trying to collect money for XXXX company that I never had any business with them. 
I call them to dispute it and they said I had to fax my claim. I tried to fax it 3 times and their fax is n't working. 

I will include their original letter and the answer I tried to fax for. them
I filed a TILA rescission letter and the alleged creditor did not file a declatory action within 20 days. I have a state Judge that is ignoring TILA and continuing with the court case. Who enforces TILA? Thank you XXXX XXXX XXXX
Despite being paid in full, Synchrony Bank continues to report to XXXX, XXXX, and XXXX that I have an unpaid balance with Lowes. I have a paid in full letter from Synchrony Bank, and have sent a copy of this letter to the credit bureaus, but Lowes simply will not allow this account to update as paid. Synchrony Bank is holding my credit file hostage by not reporting accurate information.
After months and several attempts of trying to get the credit bureau to verify the information being reported on my credit profile, they have not cooperated. I've reached out to them several times to try and resolve this matter but they continue to blatantly break the laws set in place to protect the consumer. They refuse to supply me with a report detailing their methods and procedures used during their investigation. They have not produced any evidence that the information is accurate what so ever, yet they continue to violate my rights and report inaccurate information that negatively affects me.
On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX Bank. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. 
A complaint was also filed on XXXX XXXX, XXXX with the XXXX of XXXX XXXX commissioner. 

Please review attached
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an application submitted to XXXX XXXX for a XXXX XXXX credit card without her consent. An inquiry was made into her XXXX, XXXX and XXXX credit reports XX/XX/2018. Also an application for a SYNCB/XXXX   account was submitted and an inquiry was made into her XXXX, XXXX  and XXXX credit reports XX/XX/2018. While no accounts were established the inquiries are still being reported to the credit bureaus. Official disputes of these activities were provided to each organization ( XXXX XXXX XX/XX/2018, SYNC/XXXX  XX/XX/2018 ) and as of this date, neither have provided an update as to the status of the investigation of these matters. This is a violation of FCRA and my client 's consumer rights.
On XX/XX/XXXX I submitted two payment for which one of those was returned due to a problem with my checking account. My account number was changed for a dispute I initiated with my Bank and a new number was given. By the time I used my available funds and I noticed the payment was returned Discover Payment Department closed my account without notifications, grace period, email, calls, letters and/or explanation other than " My account is being closed for unsatisfactory payment history '' this is a lie because I 've never been late, and that day I submitted two payments. This Credit Card company has violated my rights and discriminated me without further notice. I 'll ask the to reopen my account since the reason they closed it for is null and/or not truth. I 'm planning on pay my over limit 's credit on my real due date, date they could n't wait for. Please, reopen my account and give me back my rights, as in the pending cash back earned so far that they need to double and full access to my account. I 'm forwarding this complain to major companies for review and investigation to this Payment Department Team who 're closing customers account for little mistakes and without further contact.
There is n't a topic above that addresses my complaint. 
I have an installment loan from Big Picture Loans. 
They are owned by an XXXX XXXX in Michigan. 
I took out a loan for {$1000.00}. They take {$250.00} out of your b bank every other week. And none of it is applied to interest! 
They 'd make the XXXX blush. 
Do yourself a favor and stay far away from these slimy crooks!!!
Ocwen is telling Homeowners the wrong fax number to submit the RMA, both verbally and on the packet. Loss Mit number found on HAMP site differs. 
Fax number given verbally and on documents ; XXXX
My Experian credit bureau was pulled by  XXXX   XXXX   XXXX  on      XX/XX/2015 .   I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
I asked American Educational Services and US Department of Education for a sworn affidavit testifying to the validity of the purported " loan ''. The verification of an account requires " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. Affidavit of truth of matters stated and object of verification is to assure good faith in averments or statements of party. '' ( XXXX XXXX XXXX, XXXX XXXX ). Both AES and US Dept of Education have failed to provide the affidavit to verify the alleged debt.
The following inquiries were requested to be removed these inquiries are not factual record and they are unauthorized.. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
The information in a collection account on my credit history is inaccurate specially the date of first delinquency is too old, because it has been improperly aged by the collection agency, and Equifax doesn't remove it even after 3 trials for dispute! 

I have changed my address since XX/XX/2018, and I am sure that I have paid all received bills. Even my address has been changed, USPS is still forwarding all letters to my new address. 

This incident might be related to a most recent bill on XX/XX/2018 from a medical centre inside another medical center that I have paid the bill. I received it in my new address very late in XXXX, and I called them to send me a new discounted bill, because I have paid very similar service to the hospital where they are in. Meanwhile, I talked to my insurance for any adjustment. But it seems they finally gave it to a collection agency called XXXX XXXX XXXX ( XXXX ) without any notice. 

My concern is that XXXX did not send me any prior notice, and they just reported to my history to frighten me. By the law, " If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 days from the notification to pay the account before the agency is allowed to report it to the credit bureaus. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days ''. 

( 1 ) XXXX did not send any collection notice to me. 
( 2 ) XXXX altered the date of first delinquency. 

Anyway, I called XXXX to pay the bill as soon as I receive the notice. Meanwhile, I disputed the bill with all credit reporting agencies, because its information is inaccurate, and it hurts my score a lot, as I never had any credit issue. XXXX  and XXXX  removed it from my history, but Equifax did not even after 3 trials! 

Please investigate this incident and let me know what to do next. Thanks for your support. 

Sincerely,
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I went to their site and put in my information to see if I was affected and it stated that I was. As it stands, for the rest of my life I am going to have to pay for lifting and reapplying credit freezes on my name, credit protection, and costs for possible credit fraud. I believe that Equifax should be responsible for all fees that stem from this matter.
Citibank has offered a {$400.00} bonus for opening a new customer checking account. I accepted Citibank 's offer and opened checking account # XXXX ( citibank 's statement attached ), made a required opening deposit and made preparations to fulfill bank 's requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close my account a week later after accepting my opening deposit. All my attempt to find out why my account was closed and deposits returns were no avail. 

The bank has made a promise to credit a {$400.00} bonus upon opening of checking account and depositing {$15000.00} or more in newtoCitibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). 
I accepted bank 's offer by opening a required account and making a required opening deposit. Acceptance of bank 's offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$400.00} bonus because Citibank breached the contract by terminating my account without lawful justification or excuse. Citibank 's action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored.
when u call hsbc its very difficult to get thru. then when you do its very hard to understand the person who picks up the phone
Experian, reporting a negative information 's on my credit report # XXXX .This is a medical disputes with XXXX XXXX Hospital , The company that are reporting the information 's is XXXX XXXX XXXX account # XXXX, They are a medical debt collector business. The amount owe {$120.00}, All of this come from a car accident 1year ago My lawyer have filed a law suit against driver insurance policy ( XXXX ) My legal team have added this bill to the lawsuit. This negative information 's should be remove until the case is settle. New law went into effective XX/XX/2015
I have been working on several things listed on my credit file that report as duplicates and are past the statue of limitations. TransUnion and XXXX   keep reporting several student loans twice under different companies. There are a total of 9 student loans reporting with XXXX/XXXX XXXX that should have been removed because they were transferred to XXXX XXXX XXXX XXXX. Both companies report the same exact information and XXXX/XXXX XXXX no longer have the accounts. The delinquency months are the same, same open dates everything is the same. They are the same exact accounts however looking at the report they appear to be an extra 9 negative files. When a mortgage company transfers the servicing they remove the initial company and report the account with the servicing company the same with any other company for that matter. If you sign up with someone and they don't hold the loans they don't have the information because the new company has all information.
I missed a few payments due to being out of work from XXXX. Synchrony Bank was calling me and leaving messages saying they needed to contact my attorney and would be arresting me if me or my attorney did not contact them by the end of that day. This went on for weeks until I was able to pay them.
I received a letter stating the servicing of my mortgage is being transferred effective XX/XX/2016. My problem with this is I did not receive in writing until XX/XX/2016 ( 19days ) from current servicer and XX/XX/2016 ( 12 days ) from new servicer. I am currently set with biweekly drafts which will be ending XX/XX/XXXX, .... I called new service provider and explained my set up in which I am comfortable with. They informed me that I would have to repeat process of making 2 payments in one month in order to continue the biweekly draft because their system is not set up to collect half payments. This puts a bind on me and my family and undo XXXX. I really need help with this because too stay at the status I 've created will cost more money and that is not fair to a loyal consumers. Who make their payments.
In reviewing my loans with Navient it came to my attention that they had incorrectly applied my payments for 2015. When I made extra payments to XXXX of my loans, their automatic system reset the " due '' date on that loan. I noticed the change in date immediately, and called to have them continue applying payments to that loan. Despite my instructions, their system continued to misapply my payments, allowing interest to grow on that XXXX loan ( considerably ) so that every addition advance payment I made, was absorbed almost entirely by the interest. I trusted them to apply the payments as I had directed, and when I continued to see the same amount taken out of my bank account for payment, it appeared to me that they were doing what I instructed. I only recently discovered they were simply applying the extra payments to other loans, and skipping the loan I had asked them not to.I did speak with a representative who acknowledged the issue with my account and is working to fix it. My concern, is that I no longer have faith in this company to accurately apply my payments and manage my loans. I want additional investigations into this matter to ensure they adjust my account correctly.