WillisBack/dataset-financial-user-claim huggingface dataset:
No account number or identifying information other than their name and balance of XXXX I have repeatedly ( for months ) tried to contact XXXX ( XXXX ) who is collecting for a medical debt on my credit report. Everytime I call I reach a recording that states that their hours of operations are Monday to Thursday XXXX XXXX. to XXXX XXXX. XXXX XXXX XXXX and Friday XXXX XXXX to XXXX XXXX   and to please call back during normal business hours and I am calling during business hours. I don't even have so much as a account number. I have tried to contact them through a website I found when researching how others have communicated with them at XXXX. There is no email link to contact them with questions, there is not a search available to find your records within their system so that you could research the bill and resolve. I never received communication from this debt collector on top of all of this. How am I as a consumer supposed to validate and get resolution with zero communication with the debt collector.
XXXX I went to XXXX XXXX XXXX OR, then later to find out is was all a scam. I've had little to no luck, finding information to on who to contact to have my loans looked at. The news keeps reporting information with no contacts to call or email. I filed a forgiveness letter through student aid, but no response. It's been a real nightmare with XXXX plus in debt and no relief. Please someone help guide me, I know there are millions of other people in my situation.
Experian had added conjecture to my credit report of which I do not PAY them monthly for this unprofessional service! I have written letters and sent emails to NO AVAIL! 
XXXX XXXX, XXXX and XXXX have notes that the " consumer distributes, or disagrees. '' I have asked that they be removed. After waiting everyday last week and this week on the consumer service line for at the minimum XXXX minutes I am told the creditors say it is your bill. No kidding. Take the verbiage off " consumer distributes, or disagrees. '' I am also writing to the XXXX for assistance. EVERYONE should know that Experian is a friend of collections agencies, and that they are violating my Fair Trade Laws.
After disputing this unlawful judgement on my credit report with XXXX to no avail. I 've sent numerous letters of debt validation to Retail Recovery Services, Inc of New Jersey and their attorney to no avail. All letters was sent certified mail to both parties with only their attorney sending the return receipt back once. This alleged debt is not a valid debt and I want it removed from my credit report. This collection agency put in a judgement against me without any valid documentation to begin with and it harmed my credit report! I am looking into suing this company if they do not validate this alleged debt.
I was contacted about a payday loan i was harrassed on my telephone ... i felt i was treated unfairly i atated to man i was  XXXX  he stated unless u got ssi  XXXX  u are not  XXXX  i stated that was on   XXXX   XXXX   XXXX   ... ..He ask how was making ends me i stated i stayed low income housing ... .He said so u living off the system..He kept harrassing so i clicked the telephone on him. He called i explained he has no right to talk to me like that ... So finally i blocked the calls. I understand i have to pay the loan i said i could borrow some money to make a payment he said no he waa going with a civil suit so his client get there money ... I was harrassed terribly im human he didnt talk to me like that ...
In XXXX of XXXX I was sent a XXXX XXXX XXXX XXXX XXXX report in my name XXXX XXXX XXXX and someone by the name of XXXX XXXX. 

In XXXX of XXXX I went to school at XXXX XXXX University on a partial football scholarship and transferred this year to XXXX XXXX University ( XXXX- currently there ) the rest of the money needed for school I borrowed. My family and I moved from XXXX, TX to XXXX Georgia in XXXX, XXXX. I have NEVER attended ANY schools in Oklahoma period. 

XXXX XXXX, XXXX, My Mom received a notice from XXXX Oklahoma Student Authority, XXXX Central XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, OK XXXX. Someone we DONT KNOW is using my name, social ... to attend school at XXXX XXXX University without my consent! It initally started with a fees bill we received about 2 months prior. My Mom called the university and they said they would remove it and provide a confirmation. They did not and continue to allow this student to fraudently use my identity. We are reporting this to ALL agencies at every level. Please help us.
I send a wire transfer to coinbase on XX/XX/2017 purchase cryptocurrency in the amount of {$20000.00} dollars and they responded with this email. 

You recently sent a wire to fund your Coinbase or XXXX account for {$20000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing. 

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or GDAX account. For more information, visit the Bank Wire Deposit section of our payment support page. 

If have n't received your funds after 7 business days, please But now it has been well over a month and Coinbase has not done the reversal bank wire and every time I emailed then about the money they reply with a generic response that they are backed up and soon they will send all bank wire, but I need help recovering this money PLEASE HELP ME IM LOOSING HOPE AND THIS HAS COUSED A HARDSHIP ON MY FAMILY THEIR IS NO ONE TO SPEAK WITH AT COINBASE THE COMPANY HIDES BEHIND EMAILS AND WONT RESPOND.
On XX/XX/XXXX I had XXXX XXXX install Phone and internet service. In XX/XX/XXXX, I decided to change to a different service provider. I then started to receive bills for " early termination fees ''. I contacted the company, because I never signed a contract with them and asked me to send me copy of the supposed contract. It took several months and several phone calls for them to send " a contract '' to my email. XXXX sent a copy of a contract with a digital signature. This is absolutely NOT MY SIGNATURE! not even close. I tried disputing with them and investigating with not much communication from them. XXXX turned me into collection agency and I have called and mailed several letters of dispute. 2 attached letters state that they have received my letter of dispute. They apparently do not investigate, and just ask XXXX if I owe money, they say yes, then that is it. I lose because I am an individual and they are a company. I did not sign a contract. They should not be able to collect money from a forged signature either. Also right above the forged signature, it states 24 month commitment. the fine print states different. I do not owe {$760.00} cancellation fees. I did not sign a contract! Please help!
I am submitting this complaint against SELECT PORTFOLIO SERVICING, INC, at   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , Utah   XXXX   for violation of the FDCPA and the Michigan Statue of Limitations to collect a debt.
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Select Portfolio claims to have acquired the servicing rights for a debt that was transferred from   XXXX   in  XX/XX/XXXX . Prio r to  XXXX  transferring that debt to SPS,  XXXX  had declared the loan to be in default. The alleged loan is past the statute of l imitations to collect a debt in Michigan and SPS continues to send me harassing letters on a loan that has a due date of  XX/XX/XXXX 
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SPS claims to be the servicer of a loan in my name when : a ) It has not participated in any servicing activity, can not produce any contract of the servicing terms between Select Servicing Portfolio and the alleged client that it claims to be servicing a loan for or produce any evidence that it paid any money on my behalf to any entity.
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SELECT PORTFOLIO SERVICING INC, continues to take the following actions : a ) Threating to take my property unless I sell my home to a third party to release a SELECT PORTFOLIO SERVICNG, INC lien on my property when SELECT PORTFOLIO SERVICING, INC does not own any lien on my property.
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SPS is not the servicer of any loan in my name, have not paid any property taxes, property insurance or mortgage on my behalf and continues to rely and make false, misleading and fraudulent statements concerning the alleged account in order to foreclose and defraud me of my property.
I filed chapter XXXX bankruptcy in XXXX 2013. My house was not included in the chapter XXXX bankruptcy. I have tried multiple times through my attorney and wells Fargo mortgage company. This is not being reported accurately on my credit report. It has brought my credit down and i am not getting credt for my house payment. When I do call the attorney he said there is nothing he can do about it. Wells Fargo also has stated the same thing. I have tried for 31/2 years to get this corrected. I need help so i can refi my home asap. I do not know where to turn at this point.
I had an authorized user on my credit card. She started abusing the privilege, and so I promptly told the credit card company to remove her as soon as I could on XX/XX/2017 via secure message. That same day, I revived a secured message back from the credit card company, stating that she had been " removed as an Authorized User. '' Despite this, she has continued to make significant unauthorized purchases. The credit card company refuses to mark these significant charges as fraud, or to do anything to help beyond sending me a new card. Even after I spoke with the credit card company at length on the phone on XX/XX/2017, at which point they confirmed they would immediately cancel the current card and issue a new one, unauthorized charges still continue to be made on it. Please help.
Our mortgage company, Roundpoint Mortgage, is a disaster. In XXXX we received notice that we had overpaid our escrow and received a refund. In late XXXX we were told that we were underpaid into escrow and our monthly payment was increased by $ XXXX per month. This was a 50 % increase without warning. After working with lender they agreed to spread repayment out over 24 months. Just this month we received yet another notice of increase ( only a few months after our agreement ) that a new analysis showed we needed another increase. The inconsistency in this has caused stress to our family and monthly mortgage budgeting. We 've been unable to speak with anyone who can speak to us and talk us through this issue with clarity. The only explanation we were given was " we should have requested an analysis sooner to ensure we were on track. '' They went on to say " we have several XXXX loans and are n't able to keep up with all that have or may have shortages. '' This has been the most difficult mortgage company i 've ever dealt with, and their communication could use much improvement.
I moved and transferred my XXXX cable service. I then discovered that they had charged me on my old account. I was told that it was all tranferred to the new account XXXX. I then received a call from a collection agency and just to avoid any more hassle I paid the collection agency. I have now been contacted 2 years later by another collection agency called Convergent Outsourcing Inc . They are claiming the same debt has not been paid. I have seen multiple complaints about this company and that they are basically trying to scam people for older debts.
I transferred money to a programmer about a year ago to design and program games using the XXXX software. The job started out ok, he was making progress and sending me different builds. After a few weeks, he completely stopped communicating with me and I had to start a dispute on paypal. Once the dispute was elevated he finally communicated with me and said he would finish the games in 2 weeks if I cancelled the dispute, so I did. Needless to say, he did not finish the games and would keep telling me they would get done. I made the mistake of believing him because I could not dispute the charge again. It has been months and I have not heard from him. The services paid for were not completed and he has stolen my money. I have supporting documentation and communication proving he did not complete the work and will not respond to any messages.
The falsehoods of Wells Fargo and XXXX never end. My lawyer said they will not forgive any of the principal because my house is worth more than the {$410000.00} loan. Anyone who has seen our house knows that it is a knock-down house. It is one of those cheaply built houses ( for XXXX ) built in XX/XX/XXXX. Our house is especially in bad shape. The front steps are literally falling apart, the metal railing with the concrete is split off from the main part. The back deck is rotted in many places. The fence around the deck is mostly broken off. The ceiling in the basement is 7-feet high. I hit the ceiling when I do jumping jacks. I had to tear out parts of the walls because of mold. Upstairs the kitchen and main bathroom are falling apart. The kitchen floor is old and torn up. Windows are old and hard to open. There is an old pool in the back yard but the tiles have cracked off. It is NOT an asset. A buyer would have to fill it or put a lot of money into building a new one. The front and back yards look terrible. It is a knock down house. There are houses on my street that were knocked down and rebuilt. Two or three of the original houses were built well and well maintained. New houses in the neighborhood are worth much more than {$500000.00}. No one has inspected my house and given it an evaluation. Builders will only pay {$300000.00} at most for my house. Ask Wells Fargo and XXXX to provide proof. 

What are my rights? XXXX  sent a modification yesterday. Will I jeopardize the modification and risk losing any mortgage if I continue to fight these legitimate claims of corrupt practices? Will someone please call me to discuss my filed complaints? XXXX XXXX XXXX
On XX/XX/2018, I noticed that there is an unrecognized account on my Equifax credit report. It shows that the account was open on XX/XX/2018. I have never opened this account and so I disputed online through Equifax website. Today I received a notice about my dispute that the account has not been removed from my credit report. 

The credit reporting agency didn't responsibly investigate the account. Later I know that this account was opened by a person who has a similar name with me in the same apartment building. However, he has a different apartment number as me. Equifax mistakenly matched his data with mine. Equifax 's investigation didn't find this and its system still mixed my file with the other 's.
My complaint is about XXXX XXXX XXXX reporting ONE debt as TWO debts. They are listing it with two different account numbers and two different balances ( {$710.00} and {$700.00} ) when it is only one debt which is owed to a dentist for {$700.00}. These two listings are on all three credit reports, XXXX, XXXX, and XXXX. I have disputed these two listings repeatedly thru XXXX and by mail, requesting the accuracy of these two listings be verified or removed. Each time, nothing is done, the investigation report comes back as verified and correct on this bogus double listing. I am at my wits end not knowing how to fix this error on my credit reports since XXXX XXXX XXXX is incorrectly verifying these two accounts as accurate, claiming I owe over {$1400.00} when only {$700.00} is owing. This has been negatively affecting my credit reports and lowering my credit score for over a year now while I have disputed it over and over without success.
My name is XXXX XXXX. A few years ago PayPal opened a credit account under my name without authorization, at some point a purchased was pushed to that account. At the time I was unaware of this until PayPal insisted I make a payment on the account or risk my credit report ranking. After some wrangling back and forth I paid the dept and PayPal assured me they would close the account and would ensure it would not happen again. A few weeks ago I got another demand letter from PayPal with regards to yet another " open case '' regarding my PayPal credit account, demanding payment and notifying me they have been reporting the delinquency to the credit agencies. I am refusing to make payments- this account was never authorized by me and I did not want a credit account. My credit is steller and I am virtually debt free- I dont need credit from PayPal and this cycle has to end. What can I do here? Seems nothing I do will stop them from opening unauthorized accounts and feel there is no way to punish PayPal for doing this other than to pay a lawyer out of my pocket to formally get them to stop- however dont believe the financial burden should be placed on a consumer who never authorized an account to be opened in the first place. Please advise ... I 'm sick of this company getting away with things like this.
This company has two accounts listed on my credit report for loans that I did not take out. I have asked this company to provide me with all of the documentation that shows how this account was opened. The company has refused to provide me with this information. I have informed them that another account was opened in my name during the same time and that situation was quickly resolved. I was actually unemployed when these accounts were opened. The problem here is that I have never received any correspondence from this company about these two loans at any time. I have not received anything that stated they were trying to collect a debt owed. I found out about these accounts because they appeared on my credit report two years ago as being delinquent.
Progressive Financial keeps calling & harassing me concerning debt that I do not owe. I believe that the debt is owed by a person with the XXXX as mine.
Still NOT resolved. 
XXXXCompany reviewIn progressXX/XX/2015
Have tried to freeze credit with both Equifax and XXXX. Both are unable to do it online. Congress needs to hold them accountable and make credit freezes easy and transparent.
Couple years ago, I took in credit 2 phone from the store XXXX, New Jersey, XXXX. This phones were from the XXXX and in about 5 days I returned them in a legal amount of 15 days which was the policy for returning and I changed to XXXX. In the next couple months I found out that the XXXX did not complete the transaction. So, I returned back to the store with the receipt which they gave me for returning the XXXX phones and changing to XXXX. They made a copy of the receipt and said that they called XXXX and correct everything and I suppose not to have any problems. But couple days ago I discover I do have a collection on my credit history and this came from XXXX. But after all this years I can not find already the receipt.
I disputed  XXXX  entries on my credit report that I thought should not be there these companies took me to court and lost. Could n't prove debt was mine. I disputed with transunion. They completed investigation all companies verified and updated info.
Wells Fargo was the servicer of our mortgage until the first of this year, when they transferred the servicing to XXXX XXXX XXXX. When we started receiving statements from XXXX it was clear that XXXX 's accounting was incorrect regarding the principal balance. We spent countless hours with XXXX trying to correct the errors, only to come to the conclusion that they really couldnt make sense of the mortgage history they adopted from wells fargo and referred everything back to Wells Fargo. On XXXX XXXX, 2017, i requested a mortgage history from Wells, and am still waiting for that, after many calls and requests. They say they are working on it, but in the mean time i have missed the selling season on the house and have incurred much XXXX and other damages.
Bank of America has not provided me with original copies of their XXXX XXXX, 2016 correspondence addressed to me. This is not the way to conduct business during the modification, loss mitigation and workout processes. I want original written communications from Bank of America at all times, not a copy of a faxed version of an original written document which is what I got.
I recently submitted financial information to Navient for the IBR annual review. I received notice from Navient that they had received the documents but received an additional email stating that 'one of your loans can not be considered for IBR ' or words to that effect ( my loans were consolidated years ago ). I called to clarify this issue as it made no sense. I was told 'do n't worry about it. It 's a mistake and we 've received lots of communications from others who got the same mistaken information. ' This is the second time that Navient has sent mistaken emails to me after I sent documents required and requested for IBR review. It 's very XXXX to get these mistaken communications. And it 's disturbing to understand that many others are receiving similar emails. I have not yet received the results from Navient regarding my new monthly payment.
I have two tax liens. That were paid. On XX/XX/XXXX. 

We called the credit bureau ( Transunion ) on XX/XX/XXXX and they advised according to the law passed in XX/XX/XXXX. Liens would be taken off public records. 

All we had to do is send documents showing liens paid in full. 

We sent documents certified mail showing liens paid to transunion. 

We called transunion XX/XX/XXXX Rep advised. Received documents and will update liens paid in full, but will not remove off credit. 

I would like to have this off credit report according to the New public record credit reporting standards XX/XX/XXXX. 

Thank you
I am a first time home buyer and I went under contract to purchase a property serviced by A bank on XX/XX/XXXX who used XXXX XXXX XXXX XXXX as the closing/escrow agent. As part of my due diligence, I ordered an Inspection ( {$400.00} ), Termite Inspection ( {$50.00} ), Structural Engineer Report ( {$500.00} ), and Appraisal ( {$450.00} ). I also placed earnest money deposit of {$1500.00}. My closing date was scheduled for XX/XX/XXXX. A tax lien was discovered on XX/XX/XXXX by my Lender and NOT the title company, and it was communicated to me by my agent on XX/XX/XXXX that the property had been acquired through XXXX and that the foreclosure had never been done to wipe out the lien. I was left having spent money on a property I could n't purchase due to the sellers lack of due diligence prior to placing the property on the market. I requested to have earnest money refunded to me, seller agreed to reimburse me the full {$1500.00} earnest money. I received the check from XXXX XXXX XXXX  who had apparently charged me for a survey that they never asked for permission to order/charge me for. They reduced the amount of my earnest money by {$420.00} to pay for a survey I never gave approval for. I have tried to call to discuss this with the agent who ordered the survey but she does not return phone calls. I am requesting assistance in getting my {$420.00} refunded for a survey on a property that the seller had no right to market as available for purchase and the Closing agent ordered/charged for products they never cleared through the party incurring the charge. The sale fell trough due to the sellers lack of knowledge of their own inventory, so I should not be held responsible to pay for a survey I never ordered and now have no use for through no fault of my own. I believe this error is on XXXX XX/XX/XXXX due to not obtaining approval to order the survey prior to doing so then charging me for it with no notice. Also, the invoice I received doesnt even have my name on it as the buyer so this feels inappropriate to charge me for.