WillisBack/dataset-financial-user-claim huggingface dataset:
I am in collections with XXXX for a charge of {$2200.00}. The debt collection was sent over to XXXX, who then sent it over to their attorney office, Maury Cobb located in Alabama. First off, I have never received anything through the mail from any collection agency regarding the debt they are trying to collect. Once I received notice that their was this collection against me through checking my credit report, I called XXXX in order to dispute the debt. XXXX told me that I had to go through Cobb for anything further since the account was transferred over to them. I have now been in contact with Cobb for about three weeks and they have been very unprofessional. I sent over a police report on XXXX XXXX, stating that the phones were stolen out of my vehicle back in XXXX and they stated that in order for the account to be settled that they had to send the police report over to XXXX. I have called XXXX today and they said they never received anything. I then called Cobb 's office back and the individual I spoke to was very improper using slang and profanity towards me, then hanging up on me twice. While talking to him each time I asked to speak with a supervisor the two different times that I had called and the same man I was transferred to stated that there was not one for 48-72 hours and that he would not transfer me to anyone else. All I was asking for was an email of some sort of dispute validation that I asked for back on XXXX XXXX and the man keeps informing me that they are not able to send out anything to me stating that I am disputing it. He said I need to ask XXXX for that, but XXXX 's corporate office is stating that since the account is in Cobb 's hands that they need to be the ones to send me a dispute validation. Cobb 's customer service is refusing to send me over any validation that I am disputing the charges, claiming that they sent over the police report to XXXX, while XXXX is stating that they never received anything, and the customer service representatives are being very unprofessional and ending the phone calls on me without giving me the proper information and not giving me answers to any questions that I ask. I am trying to receive this validation of dispute so that I can get this taken off of my credit report as soon as possible because it is affecting it drastically and also because I was in the process of purchasing a new home and this is effecting the process. I want to see if I am able to get my debt transferred over to anything collector or if I can just receive a dispute validation at the very least.
I live in Michigan. I have a title loan that I have paid over {$2000.00} in fees. I am 12 days late and I still owe XXXX on original loan. They have not taken my car but are texting me that legal action is going to happen. Do I have any recourse, since my original loan was for {$800.00} and every month I have to pay over {$200.00} and it does not touch the original amount. Please respond quickly as I need to know if I have any recourse what so ever.
Credit report from XXXX through XXXX XXXX shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.
XX/XX/18 At a XXXX XXXX tour Ref. # XXXX I was verblily given phalse and misleading statements.That led me to sign a paypal account order I.D . XXXX on my XXXX Contract # XXXX Thay sugested I use my XXXX Credit Card to make purchases and pay my paypal acct. to gain additional pt 's & bonuses. when the visa card did not arrive by the 5th day I made a number of call.s to XXXX XXXX ( sales rep. ) He said he would take care of it, not to worry. when the card came I found I could not get what I was led to believe with the points I was purchasing for two timeshare weeks and XXXX $ plus a maintance fee of XXXX $ a year. I've made numerous calls since then and kept in the dark until today XX/XX/18 XXXX said he could not cancel the contract because of the 7 day limit! 
I certainly believe they took advantage of an XXXX year old man and his wife XXXX XXXX XXXX XXXX
Hello, I applied for a mortgage loan with Navy Federal Credit Union - and I pulled my Experian Credit report which gave me a score of XXXX - based on this I applied for the Mortgage and Navy Federal is saying my score is XXXX, which is not correct and they increased my interest rate by 2.625 % from their initially quoted website rate of 4.0 %, which increased my qualifying ratios and now I am not able to afford the house anymore. 

I feel truly depending on the numbers which may not be correct and not even matching with XXXX 's report is not fair and which made it unable for us to be able to buy the home we wanted.
A payment that was supposed to be for the minimum amount was processed for the full amount of my credit card balance, which put my checking account into a negative balance causing me to incur several negative balances. After speaking to several reps and supervisors about the refund I still haven't received the refund but the balance has been put back on my credit card. I have no idea when they will refund me. And the last supervisor I spoke to hung up on me and said I can split hairs anyway I want but a check will be mailed to me he also said I made a payment and didn't even have the money in my checking account to afford the payment which I mentioned was why that payment was never meant to be made in full. He also said he could see from the computer system that I made an online payment ... .that 's incorrect I ONLY make telephone payments.
Every day I receive threatening calls telling me to let XXXX XXXX know and that I must take action on his behalf. I do not know the person they are calling for. I do not know how they got my number. They call from various numbers in different states. They know they do not have the right person but keep harassing me and leaving harassing voice mails that I have saved. 

The have called from : XXXX XXXX XXXX XXXX
It has been the longest while since I have had problems with JP Morgan Chase N.A.. First they discriminated against me and closed my account and they reopened it, then closed again. After arguing for it and proofing my innocence they accepted the fact that people can be Victims of Identity Theft! Now when applied for credit card, I received letter asking to lift my security Freeze from XXXX, which was done so. I contacted chase landing services and my credit bureau file was pulled by the representative. Due to personal level of dislike against me or discrimination, the representative has refused to move forward with the application and requested to have my XXXX file to be lifted. Chase representative has provided false information and unethically/unprofessionally treated me. I am tired of being a victim of discrimination by Chase. Just because of unfortunate fact of being a Victim Of Identity Theft, it does not mean that they can discriminate against me.
I had a monthly recurring payment with a vendor. In XX/XX/XXXX I notified them in writing that I was revoking their right to put charges that credit card, or any others they may have on file for me. 

I also called my credit card company, Bank of America, and told them by phone that this particular vendor was no longer authorized to charge my card. The customer service rep for Bank of America told me they could not block charges for any reason. 

In XX/XX/XXXX the vendor put through XXXX charges, XXXX for {$550.00} and XXXX for {$2700.00}. I disputed both to Bank of America, but the bank ruled in favor of the vendor, even though I showed that I had notified said vendor, in writing in accordance with the law. I have the email trail showing that they received and acknowledged receipt of my notification.
My personal background information is incorrectly placed as my security questions does not relate to my past history. For example, an individual who does not live with me and no relations was asked by my personal XXXX XXXX for access of my account. This security questions was placed by the credit bureau. Upon calling the credit agency, the rep refused to help by hanging up. Trans Union need to update my credit report with accuracy. All my past debts settlement did not show up in my credit report. There are debts still exist as debts causing my credit report is be lower. My student financial loans was settle yet it shows up as still owed. Pass judgments still shows up as current despite paying off.
The issue is I should not be in default. All supporting documents with how my payments on multiple times have been applied incorrectly and still not fixing over a year pushing it into default incorrectly. I should owe XXXX for XX/XX/XXXX. Yet they have told me I owe XXXX plus XXXX in wrongly assesed late fees as I had paid mortgage for 5 months in advance in XX/XX/XXXXwhich they applied to false fees and I specifically had told them how to apply I had been paying in advance until they can fix issue. A year later nothing fixed and now they inflate information. They have 72 hours to apply correctly and falsely reporting delinquent when I have proof of money sent and how should be applied. All proof attached fron XX/XX/XXXXto present how they mis handle fees and then report negative. They are stealing money and I have all proof. This is also enough proof beyond a reasonable to doubt for suing them on falsely forcing foreclosure again 1 year later. Enough is Enough.
The company americollect has a client they are collecting for 'XXXX XXXX XXXX '. This debt was already paid for
My mortgage from XXXX XXXX was sold to Ditech Financial XXXX this year, but not before making a mistake on the Escrow Analysis that raised my payments almost {$200.00} a month. I call Ditech in XXXX and informed them of the error, but they informed me they could not do anything for 45 days. I was sent a letter from Ditech informing me to send a check for the first payment, and Auto-pay would be implemented the following month. I did that very thing. The check cleared on XXXX XXXX, but my account was not credited. I later received a notice from Ditech Collections citing my payment past due. After numerous phone calls, XXXX representative was very helpful to me and discovered my payment had been credited to the wrong account ( this was the first part of XXXX ). She assured me it would be resolved immediately. I also had requested an Escrow Analysis on XXXX XXXX. I received an Escrow statement dated XXXX XXXX citing an overage of {$1900.00}, and a new monthly payment that was about {$3.00} more than my original payment to XXXX. I was to get a refund, but that was to be used for my account if it was not current. I have called Ditech numerous times to check the status of my account, and to date they still have not updated my account and consider it past due. I have not missed a single payment and have provided proof of payment three times. They have consistently told me they " ca n't do anything at this time '' regarding most of my requests. I have been very deliberate in my discussions with them, but have never been insulting nor have I cursed them. Supposedly their phone calls are recorded. Regardless, I have just today received my bill for the XXXX payment, and my account is still listed as past due.
On  XX/XX/XXXX , I received a statement from   XXXX   XXXX   XXXX   ( Contract # :  XXXX  ) stating they transferred {$87000.00} to a Chase Account in my name. This transfer was never authorized by me.
I went to a Chase branch in  XXXX , NY, on  XX/XX/XXXX . There I reported this fraud to   XXXX   XXXX  , a chase representative. He told me a Chase account ending in   XXXX    was opened at a different branch by someone claiming to be me. He did so without a social security number and some falsified identification.
Once the money was transferred into the bogus Chase account, it was then wired to a   XXXX   XXXX   account ( which I do not have ).
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I have also reported the theft to the   XXXX   County police department ( case # : XXXX  ). I spoke with Detective  XXXX , who told me he must have had the wrong number so he could n't contact me.
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I have contacted   XXXX   XXXX   since then, who told me to contact the Fraud department, which I did on  XX/XX/XXXX . I was told it was in their investigative department. They also asked me to fill out more forms, which I did.
I still have no answer from them on this. Considering I have several Chase Accounts, there was no cross checking done when this bogus account was opened.I was told also the person who opened this account was much younger than someone like myself who was born in  XXXX . I do n't feel that Chase did their due diligence, and I am due a refund of all moneys immediately.
my sears cc account was closed XX/XX/2012 through a chapter XXXX bankruptcy however its listed as a charge off "bad debt" on my report. I have been trying to get this resolved for over a year as creditor error
I received an alert indicating that there was a collection amount on my credit report. Since I did not receive a notification, I did not get a chance to verify or refute the information submitted to the credit bureaus. 
I contacted the original creditor ( hospital ) to verify and get the issue resolved, but Arcadia will not remove the information. 
The information being reported has negatively impacting my credit.
The medical debt was paid by my XXXX XXXX last year. 
They keep trying to get more money. Its a debt that was paid last year. I called the office on XXXX XXXX 2016 they had wrong dates for service, I called my Insurance Customer service, they called the debt collection office spoke to a preson, because they never filled a claim for service to my health insurance company. 
said they had never mail any claim for the service on the days they on the collection letter. She told them to submit the claim to there office. They called me today asking for my address and date of birth, my insurance company gave them my Imformation on XXXX XXXX, 2016.
Greetings, I have initiated a multiple disputes with EQUIFAX over the past couple months to remove unauthorized personal information, addresses and employer info that they have failed to fully validated belongs to me. It has been well over the 30 days given for EQUIFAX to respond with validated proof to delete these unknown personal information per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. Below are the reporting unauthorized/unknown personal information, addresses and employer info that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Employers : XXXX. ) XXXX XXXX XXXX : XXXX. ) XXXX XXXX XXXX, XXXX, PA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX
I have been unsuccessful in removing the inquiries on my credit report along with negative accounts that are not mine, or reporting inaccurately. I have been disputing since the beginning of the year and have contacted the creditors whom state that it is up to the credit reporting agencies to correct as they have not deleted any payment history on any of my accounts, along with updating the information requested. I have been getting the run around from all three bureaus whom have deleted 10 years of positive payment history and have completely rendered my way of living. These inquiries are not permissible purpose inquiries and should be remove there are XXXX in total on all XXXX reports. There is a inquiry release letter enclosed that they are refusing to acknowledge.
We were trying to make a payment and catch up on missed payments to XXXX XXXX XXXX, and they refused to accept payment, claiming they were working on a modification. We then faxed numerous amounts of documented data, which they then proceed to " claim '' there was no received faxes. They then came through with an unaffordable payment plan the following 2 months. This all took place during the end of XX/XX/XXXX and the plan was given to us in XX/XX/XXXX, we then proceeded to let the law group help us to deal with this company.
I filed a complaint on XX/XX/XXXX case number XXXX. On XX/XX/XXXX the company, Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX responded that they would release my title within 15 days of payoff. My loan was paid off on XX/XX/XXXX and I still not received the title.
I just received a letter from XXXX a denial of credit by the way of experian it states it is my right to view my report if I log in to experian report access and under the FCRA.Once again I was denied access on XXXX XXXX  2017
I attempted to dispute open collections on my Equifax report - confirmation number XXXX. I did not receive a status update. when I attempted to check the status online it said pending, until it was close to the 30 day mark, then equifax kept on saying the information is incorrect and there is no dispute matching my records. I called them multiple times and was put on hold for hours. when I finally reached them they told me that the information is accurate and I can contact the collection agency myself. I informed them that I tried that, however the collection agency did not change its mind. this {$12.00} collection that 's stopping me from being able to buy a house was a doctor 's bill that was paid long before it went to collections and needs to be removed.
I was going to fall behind, I call the company to start a payment program, they told me my payment had already been made, I knew it hadn't. I attempted to make a payment, they refused my payment, and then they began overcharging my account. I called in to speak with management and started to explain the situation and then she hung up on me. I have documentation of dates times and names.
during separation my husband was to pay the mortgage per court order. He did not, I did not know until the mortgage was 1 year behind at that point I tried to get assistance from the lender and a loan modification and government funding to assist with the arrearage ( I did rec. that approval ) the lender - Ditech/Greentree is running me ragged and not communicating with me. I can pay this mortgage but I need to get approval so that the funding I have rec 'd can be released. Summary Judgement has been ordered and I am in process of foreclosure. I can not get the lender to communicate with me if I can get a loan modification and I have all of the emails, faxes and recording of phone calls.. I 've been getting a run around for months and can not get any straight answers. I am desperate, I am a mother of XXXX small children and I need help. I can not get any help from Ditech/Greentree and I am pleading that you will help save my family and my home.
I contacted XXXX regarding electricity service that I never authorized in my name. They advised that they would take a note that it was fraud. It is the result of identity theft. However, a company is still attempting to collect this from me.
This mortgage was included in a chapter XXXX bankruptcy and was not reaffirmed. I have one 30 day late and from I understand this should not be reported on my credit report because I am no longer financially responsible. This has caused my credit to drop by 30 points. It is illegal to report this information as I am protected by the bankruptcy.
I applied for a Citibank Citigold checking account back in XXXX 2015, due in part to their attractive XXXX XXXX XXXX miles bonus upon completion of spending {$1000.00} in debit transactions and using bill-pay twice within 60 days. I completed all requirements within the allotted time period ( confirmed by Citi ) but have not been credited my bonus miles within the 90-day due date post-completion ( XXXX XXXX ). I have contacted Citi on over XXXX occasions but have not gotten the issue resolved.
Regarding : Cornerstone Home Lending XXXX XXXX XXXX, NJ XXXXWebsite : XXXX Account Overcharge : Cornerstone Home Lending is the servicer of my home loan. I made my XXXX payment on my new construction home in XX/XX/2014. My local bank sold my loan to Cornerstone soon after I closed on my loan. In XXXX, The XXXX County, TX Appraisal district Chief Appraiser came to my home, measured it and gave me an estimated tax amount. In XXXX of XX/XX/2014, Cornerstone paid my taxes of {$2400.00}. Since I had been paying an " estimated '' amount of {$500.00} / month since my XXXX payment, Cornerstone sent me a check for the overage in my escrow account of {$2400.00}. They still kept 2 months worth of escrow for a " cushion '' which I know is acceptable by law. But, Cornerstone DID NOT ADJUST the taxes part of my escrow. Cornerstone claims to have done an " Analysis '', but that is not true. Cornerstone never contacted anyone at the tax office. I have been calling and requesting this to be corrected since XXXX XX/XX/2014. I have been in person to the Tax Appraisal District in XXXX XXXX, TX and verified my total land/property taxes. I have sent the documents from the tax office, with tax office phone numbers and contact info. to prove to Cornerstone they are in error. I have faxed these documents approx XXXX times. I only received an email recently after all this that said, " the tax documents you sent were for land only, and when my house is added the taxes will go up ''. This is foolishness. The value of the home is clearly shown on the document, along with the homestead exemption value. I have requested that Cornerstone correct my escrow payment amount and refund my current overage Immediately.My taxes and Hazard Insurance = {$2400.00} + XXXX = {$3500.00} /12 mos = $ XXXX month. I am paying {$500.00} /month for no apparent reason. Can you please help? 
thanks, XXXX XXXX
Professional Debt Mediation continues to report this collection account to be opened but it was discharged in XXX 2016 with a  chapter XXXX BK. I have disputed this account status as " opened '' a couple of times with XXXX  but the collection agency refuses to remove still. I get numerous calls, just about daily, from the number in XXXX, which is where their offices are located. I have been referred to by my BK lawyer to a consumer affair attorney, XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX ) and plan to proceed with a lawsuit if this is not handled ASAP!
I originally received my mortgage loan from XXXX XXXX XXXX in XX/XX/XXXX and I felt they were great. I did run into some hardships with them and was late on a few payments in XXXX but with there patients I got caught up in XXXX. In XXXX they sold my loan to Penny Mac. Penny Mac has been nothing short of fraudulent since then. 

In the months of XX/XX/XXXX, Penny Mac, my loan provider waited until after the due date of XX/XX/XXXX to process my payment and charged me a fee of approximately {$100.00}. On XX/XX/XXXX and XXXX the payment line of Penny Mac was down and I could not make a payment until the XXXX and they charged me another late fee of approximately {$100.00}. I called several times after that only to enter a phone tree in which I could never talk to anyone. When I finally talked to someone they said they would wave the fees in which they never have. I have called several times and Penny Mac representatives said they would wave the fee but they never have. 
In late XXXX I noticed an additional fee under other fees which was approximately XXXX dollars but continued to go up every month. I called several times to ask what it was for and never really got a good answer. Today, I opened my latest bill and the " Other Fees '' had reached {$24.00} so I called Penny Mac. The Penny Mac representative said the fee was because my Mortgage was delinquent from the XXXX incident described above and I would have to pay this fee to " have someone come to my house to make sure someone was still living there FOR THE LIFE OF THE LOAN ''. This is clear Fraud as no one has stopped by my house to make sure I am present. This is clearly Fraud because I was never late on my loan with Penny Mac.