WillisBack/dataset-financial-user-claim huggingface dataset:
Message sent to CMRE : I had received a call from CMRE and missed the call. I returned the call and got on the call with an EXTREMELY rude person who insisted that I need to pay bills for XXXX of my family members from as far back as 4 years ago. She continued to interrupt me when I tried asking what the bills were for and why I was just now hearing about them missing payment. I asked several times for her to send me documentation as to what the bills were for and from what doctors, so I could do my research and confirm that they had not already been paid. She told me I could refer to my EOB ( remind you some of these were from 4 years ago ). The most recent charge was from XXXX 2015, which I explained was currently under " audit '' from XXXX XXXX XXXX and I would not be paying that since we had already reached our " out of pocket maximum '' and that I could not pay that until the audit is complete. I feel as though I was being BULLIED to make a payment with no further explanation or back up information. 

If I was one of the doctors offices that you were representing and this had been outstanding for 4 years, I would not be impressed since this is the 1st time that I recall having received a call from this company. I have never had an issue with paying my bills, but I will not just arbitrarily pay something that someone " SAYS '' I owe without any documentation/information. 

I understand that you have a tough business, but rather than treat every person that you call like a POS and try to bully them into paying you and making you go away, you might want to consider trying the kind ( you get further with honey than you do with vinegar ) approach. Maybe I just received a call from someone that was having a bad day or that was not properly trained, in that case please feel free to have SOMEONE ELSE call me back to further discuss. Or, if this is your common way of handling business, please be sure to understand that I WILL find out what doctors use your service and make a formal complaint about the way that you " handle '' your customer service, by not making contact for 4 years and then when you do finally make contact, you try to bully them into immediate payment without providing further information.
XXXX, Equifax, and XXXX XXXX Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX  XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.
They keep calling for my father and I am an adult. I dont know how they get my number but i told them I am not giving him the message. Lady that called and supervisor was very rude. I have hung up on them. They will not tell me where they are calling from. I called back three times screaming at them not to call again. First time lady hung up on me, second and third time the supervisor had the nerve to be rude and ask why i keep calling back. I asked, do you like it? I told them i would file s police report
We are trying to sell our home in a short sale due to a divorce/pending foreclosure. We also filed bankruptcy and our 2nd mortgage was supposedly included in that. Now the 2nd mortgage company, Ditech, is demanding {$20000.00} even though they have charged off the debt. 

The 1st/2nd mortgages were originally obtained through XXXX and the XXXX went to XXXX and the XXXX went to Ditech. Neither XXXX of these companies seem to want to settle this all once and for all. Our short sale contract has now been dragging on for 9 months. Meanwhile, XXXX filed to proceed with foreclosure even though we are doing our best to short sale and move on.
The week of XX/XX/2016, I went online and saw Lending tree offered available financing rates of 2.7 % for 15 years. I filled out the application and submitted it. The next few days, I had one lender contact me, XXXX XXXX, and they said they would only offer 5 % interest rate and I had a credit score of XXXX and wanted to pay off a {$40000.00} mortgage loan. What I did received was many, many solicitations for Home Owners Insurance, contractors to build on, everything but XXXX Mortgage companies. 

Then the next week on XX/XX/2016, I called Lending Tree personally and Supervisor XXXX and his boss, XXXX XXXX. They both tried to tell me that Lending Tree does not take applications for loans under {$60000.00}, then I showed them on their own site that in the application process it showed loans even under {$40000.00}. They refused to have Loan companies contact me because I said they advertised a 15 year loan with a fixed rate of 2.7 % and I wanted to speak with a loan company who gave the 2.7 % interest rate. 

I told them that this is " FALSE ADVERTISING '' when you publicly advertise 15 year loans at a 2.7 % interest rate. XXXX began to talk very rude to me, talking over me, trying to make me hang up and then they would not have to deal with the False Advertising claim. I requested in writing for his boss, XXXX XXXX to call me back the next day and she has not called me back, therefore refusing to talk with me and deal with their claim that they could get their customers a 15 year fixed rate loan at 2.7 % interest rate. I definitely qualified with a credit score of XXXX, a home that appraised for {$170000.00}, and the loan amount requested to pay off was only {$40000.00}.
In my compliant against credit acceptance on XX/XX/XXXX I explained that my account was paid with my insurance but Credit Acceptance was reporting my account with a balance and as a collection. Credit Acceptance responded that they were paid by my insurance company in XX/XX/XXXX and that they reported accurately to XXXX, XXXX and XXXX. Attached is the letter they wrote to me admitting that my account was paid in full by my insurance company in XX/XX/XXXX and that they requested that the credit reporting agencies list the account as closed paid in full. 
As of todays date the Credit Acceptance is reporting my account listed with XXXX and XXXXn under a collection status and with XXXX as paid closed account/settled for less than full amount old. The proof of the above listed status is attached. I have also listed proof that Credit acceptance as of XX/XX/XXXX was listing my account to XXXX with a balance owed of {$5900.00}. 

Credit acceptance has illegally reported my account status to the credit bureaus for over a year. Credit Acceptance lied when they reported to CFPB under claim # XXXX that they listed my account as paid in full with a XXXX  balance. Credit Acceptance false reporting is against the law and has prevented me from obtaining loans and credit accounts. 

Credit Acceptance should immediately notify the reporting agencies to correct my account status to closed paid in full and leave out any and all derogatory remarks such as account settled for less than the full amount.
On XX/XX/2018 I received a notification from XXXX  and XXXX that MRS BPO LLC ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ) has flagged my account as a Collections account for the amount of {$230.00}. Prior to this they did not contact in any way, shape, form or fashion to give me a chance to dispute this account. I have no idea of what this account is for. This has caused me credit score to drop drastically.
XXXX   XXXX   XXXX  HARD INQUIRY- XXXX  I called TransUnion on  XXXX / XXXX /  XXXX   and the Customer Service would not help me remove this inquiry even though its not supposed to be on there.
BMW Financial approved me at Prestige BMW in XXXX, New Jersey for about XXXX on a brand new M235i with some Dinan parts. However, I am XXXX I put nothing down and I got approved, mind you I make about XXXX a month so I thought it would be impossible to get approved. I gave it a shot and it happened I left with my brand new M235 the same day. The issue I am having now is affording it, I agreed to pay {$1000.00} a month because I am an idiot and I completely regret the impulsive decision now. At this point I agreed to a vehicle surrender, still waiting on a call from an agent to schedule a time to pick up my vehicle. I will be filing a lawsuit due to the fact they approved me to begin with. I feel like there might have been an alteration on my credit application in order to get me approved, I will be trying to get a hard copy of that. I feel like I have been apart of some kind of financial scheme in order to get young and dumb people into any vehicle they desire.
These companies NCO financial, NCO group and XXXX call my house continuously all day long. They never leave messages. I have to shut my ringer.
I saw online that this is a debt collection company which is fine because I am sure I owe some debt but they call every other day and they never leave a voicemail and the phone number does not allow me to call them back directly. And when I try to answer the call no one says anything or they hang up if I greet them and say hello. How can I get information or give information if all they do is call but are not willing to actually communicate!
I purchased a new XXXX XXXX XXXX on XXXX XXXX, XXXX. It was financed through GM Financial XXXX XXXX. XXXX XXXX XXXX TX. I got sick with XXXX and was XXXX in that same year. I fell upon hard times and was ultimately given XXXX XXXX XXXX XXXX. I tried to keep up the payments but I could not so on XXXX XXXX, XXXX I voluntarily surrendered the vehicle. The amount financed was XXXX and residual balance after the sale was XXXX. I received that notice on XX/XX/XXXX which was 14 days after the vehicle was sold at a private auction. It was sold on XX/XX/XXXX. I called GM that same day they offered to settle for XXXX. I explained I did not have that much and was living with my brother, the best I could do was 25 % ( XXXX ) I was told they would check with managment. I did not hear back from them. I responded in writing on XX/XX/XXXX and made them an offer to settle for 25 % or XXXX. I had that much in savings. I told them in the certified letter to advise within 10 days if this was acceptable. I did not hear back from them so on XXXX XXXX I sent them another letter advising I was sending a check for full and final settlement of XXXX. They deposited the check so I figured the matter was over. I then got another letter on XX/XX/XXXX offering to settle for XXXX in addition to my first payment. I sent them another certified letter stating I considered the debt settled. Now they call every week daily trying to settle on the full amount of XXXX. I spoke to them today and offered to pay an addition XXXX which was the first settlement offer even thought I was not admitting liab just to get them to stop harrassing me. I was refused and told that I must pay the entire residual balance or they would turn me into a third party collections agency. At that time I withdrew my offer of {$1500.00} additional to settle. I think I have done everything possible to amicably settle this matter even though I feel my liabiliy ended when they accepted my full and final settlment check. Please resolve this matter as the stress they are causing me is affecting my XXXX.
A notice of hearing has been filed to occur prior to an illegal attempt at foreclosure of a deed of trust " in the matter of a Deed of Trust executed in the original amount of {$90000.00} dated XX/XX/XXXX, recorded in Book XXXX, Page XXXX, XXXX XXXX XXXX '' by XXXX XXXX XXXX XXXX XXXX represented by " XXXX XXXX XXXX '', XXXX XXXX XXXX, XXXX, XXXX, XXXX. Details of the notice and the original deed identify XXXX ( XXXX ), FKA XXXX, as Trustee to the certificate-holders of the XXXX XXXX XXXX XXXX ( XXXX, XXXX ) ASSET-BACKED CERTIFICATES SERIES, XX/XX/XXXX-XX/XX/XXXX, also DBA a debt collector for XXXX XXXX XXXX, named Specialized Loan Servicing , LLC ( SLS ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX being named defendant in a Federal class action by XXXX states, is still in the process of disseminating funds and other loan modifications to it 's customers who were deemed by the United States Department of Justice to have been damaged. Court documents and the XXXX Attorney General XXXX XXXX, along with the other states are directly involved with monitoring and assuring compliance by the banks and loan servicers to satisfy the disbursement of funds and mortgage modifications as ordered by the DOJ to give relief to these borrowers. Information can be obtained at the XXXX Attorney General 's Office of Mortgage Settlement Oversight at their website XXXX Attachments will show a brief summary of what is being accomplished, and final appeals and final settlements and actions by the courts against XXXX have only recently been reached and loan modifications will continue for the remainder of XX/XX/XXXX into XX/XX/XXXX. In addition, a lien is held on this specific property by the State in the approximate amount of {$11000.00} in the form of a grant obtained by the XXXX Housing Finance Agency and is backed by Federal government money in order to prevent a foreclosure. Any enforcement of foreclosure on this property would directly nullify the agreements already in place and legally obtained by the State of XXXX, the United States Department of Justice, the XXXX Department of Justice, and would further violate and upset the settlement agreements afforded to and established for this individual as so ordered by the Superior Court.
Upon Checking equifax I found that XXXX reported payment of {$0.00} on months that a payment was indeed made. The month shows as paid but reflects a payment of {$0.00} which doesnt reflect the amount paid that month. The payment amount reflects later on the balance. The company XXXX  forced me to sign an agreement in order to gain a lower finance interest rate on my vehicle. In this agreement there is a legal terminology of which I did not understand when I signed it. The agreement states I can not sure them for anything. I now am no longer able to speak to anyone as they state I can not due to a legal issue. I am exhausted from this deal. Please advise
Creditor Macys assigned collection company to destroy my credit and collecting a debt that was paid.It appears that Macys added more charges of {$540.00} with Collection company and trying to settlement for paid charges of {$350.00}. This debt is old of debt of Macys from around XX/XX/XXXX and Collection company has falsely updated to XX/XX/XXXX. I should n't have to pay for a debt that has been paid in full with Macys. Why Macys sending me to collection and destroying my credit. The collection is showing on my credit report with XXXX, XXXX, XXXX and I can not obtain any credit to purchase a home or support my daughters education. I am Divorce with limited income as my employer downsize my daily hours and now my monthly salary is at {$1200.00} a month Notice : XXXX XXXX XXXX Reference number # XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Creditor Macys-Department Stores National Bank Macys Account last four # XXXX
Someone from out of the US transferred funds from my paypal account that was associated with my personal checking account causing me to have to close my personal account with my bank I have created several disputes about the XXXX drafts from my account and everytime I have created a dispute over this they have closed it and dismissed it. I would like for the money to be put back in my pay pal account since I have no checking account due to it having to be closed so they could not get more money from me. I am at my witts end with pay pal and their customer service sucks I have yet to get any help with this and it occurred on the XXXX of XXXX 2015 I would appreciate any help at all.
I sent Portfolio Recovery Associates ( which is a debt collection agency ) a dispute letter, I than received a letter from them on XX/XX/XXXX telling me that I have to pay them {$170.00} because they are saying that I have a contract with them in which I do not. They are claiming that I have a contract with them, in which I do not. They are trying to collect a debt from me in the amount of {$170.00}, On XX/XX/XXXX they have reported to the Credit Reporting Agencies, that I have opened a new account with them which is  clearly not mine. Portfolio Recovery Associates has also placed this false info on my credit reports that reports my credit, XXXX, XXXX and XXXX. I am a victim of identity theft and my info was compromised by an unknown person and my info was used without my authority.
on XXXX XXXX, 2014 I paid this card off. 

now I get a statement of pass due new bal XXXX, min pymt XXXX
My Home mortgage is currently working on modification but XXXX is published to sell my house without open house in XX/XX/2017. I opposed this during the hearing but judge granted XXXX.
I am trying to get a home loan  and Nationwide Accptance LLC is rep orting my loan as in repossession and written off. I am current on my paments.
i have a charge-off that is over 7 years old ( 10 to be exact ) that has showed back up on my credit report as of XX/XX/XXXX ( Originally placed as a charge off in XX/XX/XXXX ) which is past the statute of limitations. This should only have been showing on my report for up to 7 years. I have disputed this several times with no results. Not even a detailed letter from the company showing what I allegedly owe. Ive only received that said information has been verified as correct which makes no sense because its past the statute of limitations. This is on my Experian report. My last dispute results report number is XXXX for XX/XX/XXXX & results were 'account verified as accurate '
I opened a checking and savings account with Bank of America. At the time of opening the account I was told that I simply needed to transfer {$25.00} a month from my checking account to my savings account to avoid any fees. Later Bank of America converted m my savings account to a checking account ; -apparently due to the amount of transfers or withdrawals from my savings account over a rolling period. Since the.n I have been charged a monthly maintenance fee of roughly {$12.00} a month since XXXX of 2015. I was unaware that I was being charged this fee until two days ago and when I contacted Bank of America I spoke with XXXX individuals who placed blame on me, questioned my lack of balancing this account monthly and was told they could only refund {$12.00}. I explained to both representatives that I was unaware that I was being charged and did not notice until the day that I called. I explained to them that I originally opened this account as a savings account and was told that when it was converted that they provided ample opportunities for me to be made aware of these changes regardless if I recall them or not. I proceeded to explain that I still have the $ 25 monthly transfer set up and if I was aware that I was being charged I would have just closed the second checking account because I did not need it, I do not have checks or even a debit card linked to that account. I was again told a cookie cutter answer and ina politically correct way was told it was my fault for not noticing this sooner and that there was nothing either representative or their managers could do for me except refund one of the 18 monthly charges that have occurred,
I attempted to make a payment arrangement with Paypal Credit earlier today, XXXX. The rep I spoke with stated no arrangement/payment plan is available at this time, they have all expired. I was not aware of any plans to me prior to them expiring, the last XXXX I was made aware of through a message from CFPB is an amount of around XXXX for three months, bringing the account current. However, the rep informed me this plan has also expired. She was also made aware of some fraud charges made from an XXXX, a jewelry site. A XXXX with a similar name, XXXX XXXX, placed these orders using my name as it is similar. I use a middle initial, S, he does not have or use XXXX. My full legal name is XXXX XXXX XXXX. Please advise Paypal Credit I can pay a minimum of XXXX for the three months, despite the fraud charges.
To Whom It May Concern : I have previously sent TransUnion a request to investigate an alleged debt on my credit report under the Fair Debt Collection Practices Act. TransUnion simply replied that the account is verified but did not provide the validation to me that was needed to determine if this was actually an accurate claim. I then personally contacted the XXXX XXXX  XXXX XXXX XXXX XXXX and asked for valid verification that this debt was mine. I knew I didnt miss a payment to the power company, for obvious reasons they are always the first bill I pay. All I received from the Collection Agency were term dates of Electric Service spanning from XXXX to XXXX and the alleged charges they claimed I owed {$170.00}. They had nothing to show me that could verify I owe anything. After a bit of research, it was determined that this does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. This inaccurate, incomplete document contains no accounting of any payments made nor missed, nor the dates on which those payments were made or missed. There isnt even any documentation with my signature on it that proves this is even my account at all. This information could have easily been drawn up and sent by anyone or simply created in human error. Their verification document in no way provides sufficient verification of this alleged debt. There isnt any legitimate, verifiable proof that I owe anything to their Company, because I dont. 

This collection on my credit reports are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} FCRA violation fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if this is not deleted from my account within 15 days. 

Sincerely,
I have negative accounts that was open from fraud and I contact the credit agency Equifax and they are not applying at all to remove these negative accounts off my credit file
Back in XXXX I was a victim of identity theft in a data breach with XXXX XXXX XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit Bureaus regarding my suspicion of identity theft. I have yet to have my disputes resolve or any feed back regarding this matter & its well over 60 days.