WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX someone had fraudulently used my American Express CC and charged {$12000.00} in American Express points. I had contacted AE on XX/XX/XXXX and talked with XXXX who had stated the {$12000.00} charge would be credited and the problem would be resolved. On my XX/XX/XXXX statement the {$12000.00} charge was still on my account along with interest charges and fees. On XX/XX/XXXX I talked with XXXX at AE and she said AE would credit my {$12000.00} charge along with interest charges and fees. She stated it would take 30 days. On my XX/XX/XXXX statement the {$12000.00} charge was credited but there were interest and and fees still on the account - American Express never credited the interest and fees from the {$12000.00}. I assumed AE would credit the interest and fees. In XX/XX/XXXX I contacted AE and XXXX stated the interest charges and fees would be credited back and that my statement balance would be XXXX. She stated it would take 24-48 hours to be corrected and I would get an email showing the credits. When nothing happened in 7 days, I called AE again and talked to XXXX who stated the interest and fees would be credited and it would take 7-10 business days. In the meantime I am applying for a conventional mortgage with my husband to purchase a house. I received a call from our bank that American Express has reported me to the credit bureau and that I have bad credit. This has had an influence on my husband and I purchasing a house! I called American Express again and talked to someone who said it was the Fraud departments 's problem to fix, the Fraud department stated it was the Rewards problem to fix. I asked to speak with a supervisor - actually for the last 6 months - and finally someone gave my " case '' to a " Team Leader '' at American Express. The Team Lead called me back and said all of the interest and fees have been reversed and credited and that a letter was sent to the Credit Bureau stating that but that it would take 30 days. I don't have 30 days - for getting my loan I need this resolved ASAP. My latest statement XX/XX/XXXX states I owe {$250.00}. I also received a letter from American Express that they are closing my account. I need a letter for my bank stating the charges were in error and have been reversed - it was not my fault - and that I have good credit!
I received a letter from a company that I have never heard of named Stuart-Lippman and Associates , Inc stating that I owed an amount of money to a company that I also have never heard of, named XXXX XXXX XXXX XXXX. This was XX/XX/2018. I called them immediately and found out it was a debt collection agency based out of Arizona. They were very adamant with receiving payment and did not provide me with clear information as to why I owed the amount. Also indicating that it would affect my credit report if I did not pay. After the back and forth they agreed to send me more information which I then informed them that my lawyer will be happy to receive it. A few weeks go by and I still have not received anything until a full month later, XX/XX/2018. They send another letter identical to the first one. It was not the information that I was told I would receive. I am now speaking to my lawyer anyway and of course reporting it to the CFPB.
On XX/XX/XXXX I received a call from ARA inc. they claimed that they bought the debt on a XXXX XXXX account in my name. I told them i have never had a XXXX XXXX and they told me i was lying and they had proof. They then read me every address Ive lived and all my employers from a copy of my credit report. They claimed that the address matched bills payed on the XXXX XXXX to my past addresses. They stated that they i have excellent credit, and i better pay up before they ruin it. They stated that they matched the signature of a truck i purchased in 2003 with the signature of the XXXX XXXX application. I requested proof of the debt, which they overnighted, showing a debt of {$11000.00}. I called XXXX XXXX with the account number they profived and they confirmed that the account was in collections to a XXXX XXXX with a different age social. I called ARA inc. back to inform them of the mistake and they told me i was lying, that again they have proof it is my debt and that they will be informing my creditors and employer of the outstanding debt. ARA Inc. have the details of the account which show that is not mine yet they got a copy of my credit report for the purpose defrauding, and harrassing me into paying a debt that is not mine.
XXXX XXXX is showing charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. 

XXXX XXXX : I have sent letters ( see attached ) to validate this debt ( see attached letter ( s ). They have not responded or they replied with frivolous information that did not address the required information. 

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX : I have disputed this item with the credit bureau, they have never provided proof or method of verification.
I took out a student loan in XXXX and had paid on the loan for several years, including when I was serving overseas for the XXXX XXXX. In XXXX, the XXXX won a lawsuit regarding Sallie Mae/Navient mishandling of loan repayment and I was issued a settlement check. I did not hear back from Navient. A few months ago, I had received calls saying my initial loan was not paid and instead was thousands of dollars more. I have reached out to the company asking for proof of financial debt and payments already sent to no avail. I need help.
On XX/XX/XXXX at XXXX XXXX I received an email notification from XXXX XXXX to inform me their has been some changed to my XXXX XXXX. I reviewed my account to check the status of reporting to my credit bureaus. In checking it was XXXX XXXX XXXX whom reported. I contacted XXXX XXXX XXXX XX/XX/XXXX in the morning to check the status of my reporting. I explained to XXXX XXXX my current financial situation. I informed XXXX I am a XXXX mother with XXXX whom have XXXX and XXXX. As well as I am living in a XXXX XXXX from XXXX XXXX  benefits and department of XXXX assistance. XXXX check her system to see what she could do to help me as informed me based on my current situation that she would close the account. I was placed on a hold where she check the system regarding my Comenity Bank debt. XXXX informed me that as of XX/XX/XXXX Comenity Bank is taking back their collections and she will not be able to help in closing my account my account based on my situation. I then asked that is they knew that this account was being transferred to XX/XX/XXXX as of XX/XX/XXXX why would they report it to credit bureaus? XXXX  responded by saying they will remove the report within 10-15 days the latest is 30 days. I cant stop crying as I also contacted Comenity Bank and was informed by the customer representative the account is in collections and they have nothing in their system that indicates it is being taken back. The representative advised me to call, email and leave a message for the debt settlement department through Comenity, which I have done by leaving a message to get a better understanding as to what is going. Most importantly why no has communicated with me about XXXX XXXX number just being sent to different agencies without my consent.
We took out a mortgage on our home with Regions Bank XX/XX/XXXX. They applied the PMI Insurance because we did not have 20 % down. The purchase price of our home was {$220000.00}. We financed approximately XXXX.. 

We have paid down our mortgage in the last two years and now owe XXXX..  Regions Bank refuses to remove the PMI Insurance unless we pay {$420.00} to have the home appraised. 

We received correspondence from Regions Mortgage on XX/XX/XXXX, that the loan to value of the original home value must be 80 % or less to cancel the PMI. We are currently at 47.6 % and they refuse to cancel the PMI. 

In the same correspondence they stated that the PMI will automatically terminate on the day the principle balance of the loan is scheduled to reach 78 % of the original loan value.
I have been trying to work with XXXX to rehabilitate my student loans. They are staying my loan payments will be XXXX a month. I am XXXX years old widow and on a fixed income. They are not willing to work with me on a payment arrangement and are threatening to put a lien on my home. I have received up to 3 letters in one day threatening suit and legal action if I do not respond quickly. They call multiple times a day as well. I have health issues and this is creating enormous strain on my emotional health. Can something not be done to stop the bullying by debt collectors? I am willing to pay what I can afford.
XXXX XXXX, 2016 Attn CFPB, I submitted a complaint regarding Bank of America 's Predatory Lending Practices on XXXX/XXXX/2016. I received a voice message from XXXX XXXX XXXX of Bank of America 's Regulatory Complaint Servicing Department at XXXX on XXXX XXXX, 2016. He left this number XXXX and Extension XXXX and asked me to call him back. He sounded very new because he did not even know his own telephone number or extension and fumbled when trying to look these up to leave the message. 
I have called this number and extension on the dates and times listed below. It is actually the number for XXXX XXXX XXXX of the bank 's Regulatory Complaint Servicing Department. I have left a voice mail each time asking for him or someone to call me back but no one has done this yet. Even though I have called multiple times the phone only goes to voice mail. 
I bring this to your attention as I believe this department may be doing some kind of sham or cover up type work. Specifically making calls to CFPB complainants at late evening hours just to paper or document that the bank tried to call and resolve the issue. The fact is they have no intention of speaking to anyone or returning any calls. 

My calls/voice mails to Bank of America 's Regulatory Complaint Servicing Department : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Five calls no answer. Five messages, none returned. 
Sincerely XXXX XXXX
XXXX has allowed XXXX XXXX XXXX to deceitfully report this entry on my credit reports each month as if they have just begun reporting ( see attached credit reports ). Each month the previous month 's history is not reflecting ; hence, giving the perception that the account entry was just recently added. THIS IS DECEIT AT ITS FINEST. This account is erroneous in nature as I never signed a contract with this company, yet they say I had terms of 1 month with them. Additionally, I was never informed nor received any communication from this company prior to them inserting it on my credit reports. XXXX does not report any payment history on XXXX and XXXX  as well as cite a totally different open date among the 3 bureaus. Lastly, if this company can falsely report the entry each month on XXXX as if it was just reported and blatantly omit the other previous history since they are claiming/alleging a debt was owed since 2016, as well as the mere fact that their claim lacks veracity. What documents provide my original signature and reflect where I agreed to pay the alleged debt to them? Where is a copy of the financial responsibility page if this is truly my medical debt as reflected on my credit report? 

This entry should be deleted immediately as XXXX and XXXX as well as XXXX  and XXXX are violating my consumer rights.
I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX XXXX
My issue is with American Express and their Serve Prepaid Debit card. Had the card for over 5 years, was using it regularly, had a portion of my pay direct deposited to it each pay period for 5 years. tried to log in one day approximately 5 weeks ago, was told the card had been suspended due to potential fraudulent activity. I said ok, could you please tell me what the fraud was about, as I never did anything illegal or against terms with the card, and more importantly, was I going to get my remaining balance, approximately {$220.00}, back. Was told they could n't provide any information regardign the " fraud '', and that it would take several weeks to resolvle, and that I 'd receive my funds once the investigation was complete. Called again a couple weeks later, same story. During that time I the portion of my pay, {$1200.00}, that normally went to the card from my pay went to some limbo, was able to get it back from my employer, but did n't get until 10 days later than I normally do. Was recommended by an attorney friend to contact CFPB office regarding this matter, as it 's been almost six weeks now and have n't heard anything else from them, and havent ' received my funds.
Equifax states that its mines without showing proof. I told them and wrote several letters to remove it but sometimes they do n't even write back or update my credit
Equifax announced on XXXX XXXX criminals stole personal information on up to 143 million people. This data that includes names, birth dates, Social Security numbers, addresses and driver 's license numbers will most likely be sold on the dark web and used to commit identity theft, credit fraud, tax fraud, fraudulent authorization data ( contacting your bank or credit card company impersonating you ). I went to their website and they stated I may be affected. When I went to their site to put a credit freeze on my account they want me to pay {$5.00}.
XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/XXXX on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.
I had an account with Walmart. I paid my account early and they changed the due date and I was being hit with late fees as my original due date was the XXXX. So when I paid early that is when the next bill was due. They also provided an original limit and then decreased the amount which made my credit score lower due to debt to ratio. Which I was not aware that they could go and review my score at anytime and lower my original credit card balance. I am receiving a minimum of 5 calls a day to the point I blocked there number. I have tried to discuss this issue before and honestly gave up. When they lowered my limit I was never late and I feel that it is a scam to cause more harm, also changing the due date pending on if you pay early or not is also unfair business ethics. I am at the point where I just want to change my phone number. This is the only account I am having issues with as I do not feel that they have treated me fairly at all. Thank you
I spoke to the company on at least 4 occasions about the debt, explaining the information that they have was not correct. I also wrote to them on one or two occasions asking for a copy of the contact they say they have with my signature on it. But they would not provide me with a copy showing that I was a cosigner to the debt. 
I have sent them a certified letter around XX/XX/2018 with no correspondence from the company.
I enrolled with XXXX for XXXX XXXX XXXX XXXX online program in XX/XX/XXXX, I wish I would have done more research and knew better. I continued the program and graduated in XX/XX/XXXX. I thought my student loan was going to be {$5400.00} turns out its over {$10000.00}. I have n't been able to repay any of it. I am a single mom, trying to provide the best life for my XXXX XXXX XXXX daughter. 

I have read articles about XXXX and Navient being a scam, and there is a lawsuit. I need help to identify if I am one of those students that were scammed. I was not able to become a XXXX  because I did n't get the education needed either through this college.
My name is XXXX XXXX and I am not sure where to turn. Someone told me that your company may be able to help me. I have been working on some things on my credit file and I believe that is how it started. Yesterday XX/XX/2018 I received a voicemail from a phone number of ( XXXX ) XXXX. The message stated that they needed to come by the house to have me sign a sale document and if I wasn't there they would go to my family members, so I called back to find out what this message was about they transferred me to someone else who stated they were trying to collect a debt from XXXX alarm system. The lady I spoke with stated if I didn't pay they will have a judgement held against us. 

I wanted to speak with my husband first because this scared me and I wasn't sure what to do. I spoke with someone that understands credit and was told that I do have a right to see the break down of fees and get a validation of debt. So today XX/XX/2018 I called the same number and spoke to XXXX he will not send anything that shows a break down and if we do not call him back today and take care of this balance he states do not bother calling back! 
Also he said the person that left me the message doesn't work for them but yet they left the same phone number I never said I would not pay the debt but what I wanted to see was validation of the debt and how they arrived at a balance owed. 

When I called back the number the answered the phone XXXX XXXX XXXX.
This company has continued to call me at work. I have told them multiple times that I can not take calls at work. The most recent call was by XXXX ( for the second time ) at XXXX on XX/XX/18. I told him previously this was not a good number and I can not take calls at work. He calls again and I say the same thing and he says " oh no this is a great number to call you at ''. He poses as a customer in order to be transferred to me.
Upon the termination of my XXXX enlistment on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, which is a government debt has been collecting for almost 11 years now. From XX/XX/XXXX to XX/XX/XXXX, this was garnished from my XXXX payments. Prior to this I was make payments. After a year later due to lower income that excepted. TransWorld Systems or TSI, submitted a garnishment of wages at a tune of {$210.00} a paycheck. The garnishment paperwork was sent in XX/XX/XXXX, but not received until after the 30 days due to relocating. New lease started on XX/XX/XXXX. This can be provided. Email from U.S. Postal Service can be provided to show date of change of address. Garnishment commenced on XX/XX/XXXX. I did try to resolve this, with no avail. This debt is over the statue of limitations for a government debt and should be discharged and removed from credit report. 

Thank you
ON ABOUT XX/XX/XXXX WE WENT TO A LOAN CO THAT ADVERTISED THE LOWEST INTEREST SO WE CALLED AND TALKED TO A LADY THAT SAID WITH AN XXXX CREDIT SCORE WE COULD NOT BE TURNED DOWN.AFTER WE FILLED OUT ROWS OF PAPER WE CALLED THE CREDIT BURROW OF SOMEWERE IN XXXX ALTHOUGHT THE LOAN WAS IN XXXX., THE CREDIT XXXX TOLD US THEY HAD OVER XXXX COMPLANTS AGAINST THE LOAN CO. BUT FOR FOR A LARGE COMPANY LIKE LOAN DEPOT THAT WASOK.THE WEEK AFTER THE LOAN WITH THE LOAN CO. AND THE V.A. LOAN DEPOT SAID THE LOAN WAS APPROVED.A FEW DAYS LATER THE LOAN CO. SAID THE LOAN HAD BEEN REVERSTED, WE WERE GOING TO ANOTHER BUT LIKE XXXX DUM- DUM WE USED THEM BECAUSE THEY SAID THEY WOULD GET IT FOR US, SO WE AGREED.IT WAS XXXX BEFORE THEY SAID IT WAS APPROVED EVEN AFTER THAT THEY KEPT CHECKING OUR CREDIT AND ASKING US WERE THE GOT THE MONEY EACH TIME WE WENT TO DEPOIT A CHECK AND WE WOULD HAVE TO GET THE CHECK AND WE WOULD HAVE TO FIND A REASON.WHENWE HAD THE CLOSEING THE MAN DELIVERED THE PAPER WORK AT ABOUT XXXX IT CONTANED OVER XXXX PAGES OF THINGS TO SIGN, IT WAS SO MANY PAGES THAT THE MAN WHOBROUGHT IT OVER SAID HE HAD NEVER AFTER 3O YEARS SEEN THAT MANY PAGES TO SIGN, IT TOO OVER XXXX HOURS TO SIGN THE PAPER WORK.THEN BEFORE THE MONEY WAS SENT THE LADY FROM LOAN DEPOT ASK ME IF I HAD REALLY BE IN THE XXXX AFTER SHOWING ALL MY PAPERS.XXXX CHARGED US SO MUCHCLOSING COST WE COULD NOT BELEAVE IT, IT WAS ONE THING AFTER THE OTHER AND EVEN A LATE THAT THEY ENCURD ON FILLING SOMTHING LATE. MY WIFE DOS N'T WANT METO FILL THIS BECAUSE SEE THINKS THEY MIGHT TAKE ACTION AGAINST BUT I CALLED THE VETERANS ADMINATION AND WAS TOLD IF THEY DO TO LET THEM KNOW.
I reached out to source reveivable management XXXX XXXX informing them they are reporting an invalid account. I do not owe on this account and do not have a contract with them
My name is XXXX XXXX and my mortgage is with Wells Fargo. My account number is XXXX. WF is holding 2 months ' worth of my escrow expanses as a reserve which is currently {$910.00}. As i am under Proposition 13, my tax will not increase and my Homeowners insurance also is going to be less ... I have explained that and requested to lower my escrow reserve to be equal to one month escrow expanse or {$450.00} ... <P/>The request was rejected because what they have said is it is required to have Minimum 2 months of escrow payments as a reserve ... That is not correct ... The limitation is that they can not have more then 2 months of escrow payments as a reserve ... The 2 month is maximum that they can have.
i have disputed on my report several times an account with XXXX XXXX account # XXXX. i have never been late on this account, but your company has said that you verified the account how ever the other breaus have verified and determined that iwas never late on account
Hello, I have submitted letters as well as online disputes with documentation to all three credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX
Ally Auto has reported a XXXX day late payment for the XX/XX/2016 payment. The payment was made online XX/XX/2016 on the XX/XX/XXXX day. I have asked Ally to review and correct and had no response. Below is the online confirmation of the payment made XX/XX/2016 : print View details : Make a Payment Account Account Number Login Date/Time Requested By Transaction Date/Time ( ET ) XXXX XXXX XXXX/XXXX/2016, XXXX am thomasgirard XX/XX/2016, XXXX am Note : Transaction Date/Time shown is Eastern Time Zone Payment Confirmation Number : XXXX Payment Type : online Total Amount Paid : {$370.00} Payment Date : XX/XX/2016 Payment Account Number : XXXX Payment Account Routing Number : XXXX
this company continues to harass me for a debt i do not owe in 2014 they did XXXX hard clicks on my credit and know they are sending me a collection letter for XXXX for XXXX i do n't owe this never have it was cleared with XXXX
Asking to speak to our deceased son. 

Refusing to identify the nature of the call. 

This is the second time they have called.
I paid the balance in full to XXXX Hospital, XXXX MS I do not owe the {$120.00} and I have asked the debt company many times to contact XXXX where this was paid off and they have told me they would but it still has not been removed from credit report.