WillisBack/dataset-financial-user-claim huggingface dataset:
I talked with a representative for XXXX XXXX for my XXXX Store card and I was told I had to make equal payments on three phone purchases I made which made my minimum payment {$100.00}. I tried to dispute with them to lower the amount to {$51.00} as I been paying way over the minumum payment requirement to cover the phone purchase that had a balance of {$810.00}. The representative told me that I had the option to see the purchases, and the current balances on them and that I had the option to allocate the payments. This is incorrect, my billing statement and my account online does not have any of those balances visible, and no allocation options like my other cards from this provider. My XXXX store card let 's me see these balances and allows me to allocate but not the XXXX store one. I find this unfair as I have the dates of payments where I paid higher then the mentioned {$100.00} and payments that occurred twice in the same month.
Our mortgage was originally issued by XXXX XXXX starting in XX/XX/XXXX. Following a change in insurance providers in XX/XX/XXXX, we made a XXXX {$3000.00} payment to our escrow account that they incorrectly applied to our principle. We became aware of the issue in XX/XX/XXXX and called to get it corrected by XXXX. During that time in XX/XX/XXXX, XXXX sold our loan to SunTrust, and again did not get the escrow mistake fixed. In XXXX we received an escrow summary from SunTrust showing that we were still short. XXXX claimed they did not have any of the prior history on our account and said it was our problem to sort out. After many calls with both companies, XXXX got the escrow shortage corrected. 

We then received three letters from SunTrust, all dated within three days of each other. The first letter notified us that the escrow mistake was corrected and apologized for the inconvenience. The second letter notified us that we missed our XX/XX/XXXX payment and were now in default, despite the fact that SunTrust did not have our account in XX/XX/XXXX and we have copies of the XX/XX/XXXX mortgage check that was cashed by XXXX. The letter mentioned that we have 35 days to get this resolved. The third letter was on mortgage assistance since we were now in default and in jeopardy of foreclosure. 

The XX/XX/XXXX bill just showed up and now all the sudden shows we owe double our standard payment. All of our previous monthly mortgage bills from SunTrust showed we were current and our personal bank shows each check was cashed. When we called SunTrust to figure out what the issue was and where this shortage all the sudden came from, we were transferred around to multiple representatives but no one could explain what happened. Their customer service reps were severely lacking in information and were unable to troubleshoot or provide us any solid information regarding this matter. When asked to be transferred to a manager, they are never available and my wife and I have wasted multiple 45 min to one hour phone calls with no progress or explanation. We are still waiting on someone with SunTrust to pull all of the records, figure out were the sudden shortage came from, and call us back. 

We have explained multiple times to SunTrust that we will gladly pay any real shortage we may owe, but given their previous issues with applying payments correctly and miscommunication with our previous mortgage lender, we first want an explanation as to where this issue came from to make sure its legitimate.
In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of  XXXX ,  XXXX  and Trans Union.
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As of today,   XXXX    XXXX , 2017, I have not received a copy of my credit report from any of them this year.
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I am applying for a mortgage and must get copies of my credit reports.
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Please force each of these credit agencies to send me a copy of my credit report without further delay.
I APPLIED FOR A LOAN AWHILE BACK AND AT THE TIME AND WAS EMPLOYED THEN BUT UNFORTUNATELY LOST MY JOB AND MY HUSBAND WAS THE ONLY ONE WORKING SO WE FELL BEHIND IN BILL 'S SO I WAS N'T ABLE TO PAY BACK THE LOAN RIGHT AWAY NOW IT IS IN COLLECTIONS AND THEY WO N'T STOP CALLING REPEATEDLY THROUGHOUT THE DAY SOMETIMES SAYING NOTHING OR SINGING IN THE BACKGROUND AND MY VOICE-MAIL IS FULL OF THIS MESS AND THIS HAS BEEN HAPPENING SINCE LAST YEAR FOR MONTHS EVERY DAY THROUGHOUT THE DAY AND I 'M TIRED OF IT
Ive contacted Sun Trust serveral times and just get the run around. I recently sent them a copy of my Identity Theft Report from the Federal Trade Commission along with my driver lisence and social security number. I got a letter back from Sun Trust saying they need account number and specific information being disputed. They have all the information from me. I cant help they let someone open up a account in my name without getting ahold of me first. If they wouldve paid attention to my credit reports theyre been serveral fraud alerts on them.
XXXX   XXXX   alleges that I owe them {$1200.00}, after becoming unemployed and divorced after leaving an abusive relationship, notified them under the FDCPA that they were to cease contact with me until I became employed again. They proceeded to continue calling me at unreasonable times, and even called my sister and discussed my debt with her. They agreed to stop calling me eventually, and then my ex-landlord notified me that I had been subpoenaed, and when I called   XXXX   they told me that they could no longer speak with me about the case and referred me to their attorney. They insist they 've contracted my case out, but I think that 's just a loophole to getting out of saying that they sold my debt. Weltman-Weinberg & Reis made first contact with me via law suit, in a different county than I reside, and are suing me for {$1200.00}, but insisted on a phone call & emailed documents that my balance was over {$1500.00}, but they 'd settle for {$1000.00}. The last two statements I have from  XXXX  has a balance of {$860.00}, as does my record from my   XXXX   credit report. I also have a receipt from a cashier 's check my mother paid to   XXXX   a month before the final statement/credit report, and I believe the outstanding balance is reflected by   XXXX   XXXX   's incompetence to secure my account payment and interest on that balance that should have been paid.   XXXX   nor Weltman Weinberg & Reis can provide me personally with statements regarding when these balances occurred, and my experience with these organizations sounds eerily similar to two recent federal law suits brought upon this debt collection agency. Please somebody help me.
Good morning. I was recommended to your site by the State of CT, Dept of Banking. In XX/XX/2018 I purchased a new house. During the financial transactions between my attorney and XXXX in XXXX, someone copied my attorneys email info and wire transfer form and got me to ok a wire transfer from XXXX XXXX to a XXXX   XXXX XXXX account. XXXX XXXX did not confirm this transaction so sent the money to the fraud account. The amount was {$90000.00}. We found out the next day and immediately filed an IC3 report. XXXX XXXX did the same. The money was transferred from XXXX   XXXX XXXX to Wells Fargo. Wells Fargo alertly caught the exact dollar amount and froze the account that the money was put into. The problem is, is that Wells Fargo is not releasing the money to me, nor are they being communicative with the XXXX XXXX people. I filed a IC3 report and a police report through XXXX XXXX police department. I then contacted the AG office, then the CT dept. of Banking which led me to you. Please help me. I dont understand why Wells Fargo has not released this money back to me. 

Thank you,
I submitted a dispute to Equifax for inaccurate information. This inaccurate information included wrong personal information, obsolete public records and inaccurate collection information.
I purchased a vehicle at a dealership who financed for XXXX XXXX XXXX XXXX. When I purchased the vehicle the engine light was on the dealership gave me an IOU BILL to fix tbe vehicle when I returned, the dealership had " GONE OUT OF BUSINESS ''. In the state of Georgia your vehicle must past emmissions in order to purchase a license plate It is also illegal to sell a vehicle with engine light illuminated. After notifying credit acceptance i filed several disputes with pnc on XX/XX/2018. I was given a provisional credit for each dispute one totaled {$500.00}, {$250.00}, {$270.00} and {$350.00}. On XX/XX/2018 three months later PNC DEDUCTED THE PROVISIONAL CREDITS FROM MY ACCOUNT. I immediately called PNC bank and was told there was nothing I could do about it because time had expired..I reached out to credit acceptance and was told that the money went back to PNC on XX/XX/2018 and they gave me reference numbers for the disputes. I have called Pnc bank 21 times, went to 2 PNC Branches and sent 15 text messages. On XX/XX/2018 I tried again to get some answers from PNC I received a response from XXXX XXXX on the Pnc message center website which she states that they didnt rule in my favor because the questionnaire was returned to Pnc due to incorrect address ... that is unacceptable!! If they took the time to open the letter which they did, they knew I needed that document why didnt someone call me, email me?? my contact information didnt change. That is withholding and deceptive and I believe PNC done that intentionally. Pnc knew that the dispute process couldn't be complete without that document. I never got a fair chance!! On XX/XX/2018 I got a call from XXXX XXXX from PNC who said after reviewing my account that PNC had made several errors while entering the disputes and that he would get back with me that afternoon. ( He never called back ) the next day XX/XX/2018 XXXX XXXX from PNC ESCALATION DEPT called me to inform me that I would be receiving a call from His Manager TODAY and his name was XXXX. ( He never called ) THIS IS NOT  ACCEPTABLE - AND I HAVE BEEN MORE THAN PATIENT.. PLEASE TELL ME WHERE MY MONEY IS ... ..
To Whom It May Concern : Please be advised I have requested validation ( not verification ) of an item reported to you. I have received either no response, or a response that does not indicate or prove the validity of the account, including proof : 1. I had the reported service 2. List of services charged for 3. The cost of each service reported Furthermore, neither You Or The Collection Company provided me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

This is my second and final notice of your violation before I will proceed with legal action as prescribed by law against your organization and the creditor listed above unless this item is deleted from my credit report within the required time allowed by law.

Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I plead for a quick response.
I disputed my auto loan account, Santander Consumer USA ( XXXX ) with XXXX, XXXX, and XXXX due to the fact that the status updated is reporting inaccurately ( XX/XX/2016 ). I have also reached out to Santander in regards to this matter. Santander has failed to correct the inaccurate information reported on my credit file which is a violation of the FCRA.
XXXX date open XX/XX/XXXX Date closed XX/XX/XXXX Account is to old to be reporting on credit report
Dear sir/madam, as I was going through my credit report on Experian few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX , XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report
Not only have Equifax breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX.. {$56.00} 3 ) XXXX XXXX  4 )  XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX   8 )  XXXX.. {$52.00}
I WENT TO THE XXXX XXXX XXXX  WEB SITE AND ACCESS INFORMATION FROM 1988 FROM XXXX XXXX XXXX. I FOUND A LOT OF INACCURACIES AND FALSE REPORTING. FROM XXXX XXXX COLLEGE THIS COLLEGE FALSIFIED DOCUMENTS AND SHOWED ME ENROLLED AS A STUDENT FOR 2 YEARS AND GRADUATED. I ONLY ATTENDED THIS SCHOOL FOR ABOUT 2 WEEKS AND I DROPPED OUT DUE TO XXXX. APPARENTLY THEY GOT CHECKS IN MY NAME AND CASHED THEM. THIS IS NOT MY STUDENT LOAN. I SENT PROOF OF FRAUD BY THE SCHOOL THAT WAS GOING ON AT THE SAME TIME I WAS ENROLLED. PLEASE REVIEW THE DOCUMENTS I SUBMITTED AND I CAN SHOW PROOF THEY FALSIFIED MY STUDENT RECORDS AS LIST ME AS A GRADUATE. PLEASE REINVESTIGATE THOROUGHLY AND REMOVE FROM MY CREDIT FILE .XXXX   XXXX XXXX
I have requested my annual free credit reports from Equifax , XXXX and XXXX ; I received my credit report from XXXX XXXX, 2015 and sent back disputes in XXXX, 2015 never heard another word. 

I sent in XXXX request to Equifax , XXXX never heard a word or the free annual credit reports. 

I would like my free credit reposts and I would like XXXX to take my disputes seriously and reply. 

XXXX XXXX XXXXXXXXXXXX
On all three credit reporting bureaus, XXXX, XXXX, and XXXX XXXX, numerous accounts reporting data from LexisNexis has and continues to cause great harm and injury to the Consumer 's Credit report and file. For Example, LexisNexis is reporting to XXXX, # XXXX that Bankruptcy # XXXX was dismissed, talking with the Clerk of Bankruptcy Court, she informed me from a document that the case was closed, not dismissed and that this Court does not report data to the Credit Bureaus. Also, for example, on a XXXX  report # XXXX, a Judgement # XXXX was opened on XX/XX/XXXX, stating date of last delinquency was XX/XX/XXXX, stating the account is has been delinquent since XX/XX/XXXX, which is false and these inaccuracies and many being reported by LexisNexis is causing great harm and injury to the Consumer XXXX XXXX and requires to be corrected immediately.
Yes, debt collector committed the following : " Improper or sharing of info '' as they " Contacted my employer '' w/ a Summons where I am independently contracted as a XXXX. Another independent contractor of my employer ( third party contact ) read, scanned and emailed w/ Subject CONFIDENTIAL the Summons with its entire contents ( see attachments for Summons and third party 's email ).
PNC Bank and XXXX bank ( XXXX of which I have credit cards for ) are saying that I am responsible for XXXX dollars total value of charges and I know for sure I did not make them. No matter how hard I try to dispute and file for fraud, they are not doing anything. I need your help to get rid of these charges so that I am not responsible.
This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate National Credit Adjusters XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect usury interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department XXXX or the CFPBThanksXXXXXXXX XXXX Ca. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA.
They called me today and yesterday 5 times each even though I made a payment to them last week and explained my situation to them.
XXXX XXXX is reporting a credit line on my credit report that is not mine. The most current status shows an update amounts owing and due as zero, however, the report shows serious delinquent history. This credit line is not mine and the derogatory and adverse credit history should be removed.
I have received calls on an almost daily basis from XXXX XXXX XXXX about a debt I should not owe. In the fall of XXXX, I was injured playing a XXXX Volleyball for my university- XXXX XXXX University XXXX XXXX XXXX PA. Since my insurance ( XXXX XXXX XXXX ) was based in WA and I attended school in PA, my insurance recommended I go to the ER so that I could be covered for an MRI/Xray if the doctor deemed it necessary, which they did. I have the documents from the Doctor explaining his thoughts on the injury. The Hospital administrator was on the phone with XXXX XXXX XXXX trying to get the authorization that night but they assured him it would get covered eventually and a few days later it was cleared so I got both tests done. A month later, I was injured again and my insurance decided they would not cover the new XXXX and were going to back out of paying the first one too. Since I had secondary insurance as an XXXX ( Through XXXX XXXX XXXX ) I submitted my claims to both ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX so that XXXX XXXX could deny it and then provide an XXXX so XXXX XXXX  XXXX could Approve the coverage. The Hospital ( XXXX XXXX ) refused or chose not to bill my insurance in the proper order, meaning that I had to call several times a week ( including calls to XXXX XXXX XXXX and XXXX XXXX XXXX ) to try to get it sorted out. After months of calling, they were able to properly bill my primary and secondary insurance on some smaller charges but still did not do that for the larger amount, regardless of how many times I called. Each of the places I called would all point to the other as the source of the error. For about 6-8 months I did not receive any communication from the Hospital and assumed the bills had finally been distributed properly. Apparently the Hospital decided to send my debt to a collector without my knowledge even though they were at fault for not billing the insurance in the proper order, which I gave them numerous times. Now I get pestered by XXXX for a large bill I should n't even owe. They have told me that it will damage my credit multiple times and have even found a way to contact my family members without my permission or knowledge.
My wife, XXXX XXXX XXXX, received a phone call on XXXX XXXX, 2015 from E.R.C using a phone number of XXXX. They started asking her all kinds of questions so she called me and I called the company back at XXXX. They said that their conversations were being recorded and that they were an XXXX company. I tried to find out what this was all about but they would not talk to me. I told my wife to call them back and give them permission to talk to me. 

After several phone calls back and forth it was determined they had the wrong person. I called and told them to delete my wife 's phone number and XXXX from their records or I would file a complaint. 

Yesterday, my wife had an incoming call from XXXX but she did not answer the call. 

This morning, XXXX/XXXX/2015, I received a call from XXXX wanting to speak to XXXX XXXX. I told them they had the wrong person and I gave them the last XXXX of my wife 's SSN and she said it did not match their records. The female then wanted me to give them my wife 's DOB which I refused to do. I then called them back and asked to speak to a supervisor. The supervisor, XXXX XXXX said the company was Enhanced Resource XXXX of XXXX XXXX XXXX, XXXX, Florida. I told him to stop calling us and to remove both numbers from his list and that I was going to file a complaint. 

After I got off the phone with him, my wife told me they attempted to call her again yesterday. 

I want to file a complaint so they will stop harassing us.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.

I am a victim of identity theft and noticed a collection from HUNTER WARFIELD. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against HUNTER WARFIELD in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
i had a bank account with bbva compass in XXXX texas i had cashed a check not knowing it was bad so when i filed my income tax i put that bank account routing adn account number so i can pay it back note i only owed {$800.00} the depoist was for {$1900.00} well since that account is closed they just got what i owed them and said they will send a check for remaing balance now which is owed to me in check form i call the bbva corp office and recovery no one can give me an answer or anything keep putting me on hold then hangs up i am at lost for words dont know where to turn to or ask for help
I just received another XXXX  credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my XXXX account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe XXXX.
This debt collections company contacted me today stating I owed XXXX different payday loan companies I have never heard of. They were able to verify my old email address at the time as well as my bank. I know I do n't owe because I just recently checked my credit report and none of these companies have ever been listed at any point in time, nor are there any matching amounts. This company can seriously SCAM innocent people out of their money. I know my consumer rights and this is out right wrong of them.
I have a settlement sheet showing this house was paid off onXX/XX/XXXXhowever this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/XXXX Reporting shouldve ended on this line of credit for XX/XX/XXXXwith me only being 30 days late at the time.