WillisBack/dataset-financial-user-claim huggingface dataset:
Shredding my personal information on XX/XX/XXXX I discovered a check from XXXX XXXX, XXXX. XXXX XXXX, XXXX, De XXXX that I did not cash. The check was dated XX/XX/XXXX. The amount is for {$300.00}. I called US airways master card at XXXX and asked to reissue the check on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was given a case number and told they would reissue the check in 7-10 days. The case numbers are XXXX, XXXX, and XXXX. <P/>The first letter dated XX/XX/XXXX processed a credit balance refund on my account. Enclosed is a credit balance refund check in the amount of {$300.00}. I never cashed the check, still have the original. I have a letter from US airways mastercard dated XX/XX/XXXX stating that they regret to inform me that your US airways mastercard account is closed. We made the decision to close this account because it has not been used for an extended period of time. I actually forgot to call to activate the new card they sent me. <P/>I have another letter dated XX/XX/XXXX, account ending in XXXX. This letter is in response to your recent inquiry on your ( now called ) XXXX XXXX mastercard account. It states that we are currently unable to complete your request to reissue my check. This is the last letter that I received from them.
The account XXXX  XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XX/XX/XXXX XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX 3. XX/XX/XXXX XXXX XXXX 4. XX/XX/XXXX XXXX 5. XX/XX/XXXX XXXX 6. XX/XX/XXXX XXXX 7. XX/XX/XXXX XXXX XXXX 8. XX/XX/XXXX XXXX XXXX 9. XX/XX/XXXX XXXX 10. XX/XX/XXXX XXXX 11. XX/XX/XXXX XXXX 12. XX/XX/XXXX XXXX XXXX 13. XX/XX/XXXX XXXX 14. XX/XX/XXXX XXXX 15. XX/XX/XXXX XXXX
I came out of chapter XXXX XX/XX/XXXX. I received a statement from my mortgage company for a delinquent amount. I called the mortgage company and asked how. I did not receive an answer to this question to about the 10th call. When a rep told me that my mortgage was adjusted XX/XX/XXXX. I stated to the rep that I did not receive anything stating that. I was told that they could not send me anything because I was in a bankruptcy. I called the attorney from the BK and he stated they did not receive anything from the mortgage company. I made several calls to this company and the only thing I would get from them was are keeping the property. They would not address the problem of how could I know about the increase if I was not notified. XXXX of this year I called back to customer service and spoke to XXXX ( XXXX ), who took the time to check the records. She searched back to 3 months before the adjustment and notices that no notification was sent out. She transferred me to the dispute dept and I spoke to XXXX ( XXXX ) stated no notification was sent out. She put in the dispute and I would receive a reply by XX/XX/XXXX. I called XX/XX/XXXX, and talk to XXXX ( XXXX ) and he would not answer the question of the dispute. I call back and talked to XXXX ( XXXX ) she did not answer the dispute question but told me the company did not have to send out monthly statements. Sending out statement was a courtesy. Also, it was my BK attorney responsibility to check to see if there was an increase in the mortgage.
Escallate LLC ( phone number XXXX ) failed to file proper health insurance claims and went ahead without informing me to file a collection on my credit. They ruined my credit, now I have been denied a refinance mortgage.
I was able to view my Experian Credit report online and investigate negative information. At this time when I try to enter in my information though experian.com the site will NOT let me view my information. And Experian will not let me investigate my negative information.
I disputed a bankruptcy with XXXX  requesting information on how they verify the information for a bankruptcy on my credit report. The investigation came back from a 3rd party vendor and not the original part which is required by the FDCPA this is a huge violation and not accurate. When requesting validation they are suppose to provide original documents from a unauthorized source that does not have authorization to provide any personal information. I have contacted the bankruptcy court that has sent me a email they do not report the credit bureaus. I am requesting this information deleted from my credit report immediately. I have no account with Lexus Nexus nor do they have any permission to verify any information that may pertain to me. XXXX can not verify accuracy from a 3rd party vendor .I demand this removed within 10 days of receive this
My loan was transferred to Green Tree LLC/Ditech.During the time with Green Tree now Ditech I was asked to send documents etc for Modification evaluation which I did, the latest being in XXXX 2015. A letter I received from Ditech dated XXXX indicated they had received everything and that the evaluation could take approx. 30 days. Now on XXXX XXXX I received another letter saying I was not eligible for HAMP etc. A short time for a real evaluation to take place. Previously I had received to Trial Modification offers which were declined because the amount asked for was in fact higher than my original mortgage payment. Both were neither reasonable or manageable based on our current financial situation. My acceptance would surely have resulted in another default. I think it is time for a Servicer change, a Principal Reduction Alternative ( PRA ) or a Cancellation of the debt with the understanding that in 7 years I would deed the house over to XXXX XXXX. Someone needs to be creative regarding a modification for us like paying 10 % of our gross income for an agreed up time frame ... ....
this is a case that the company responded to but im resubmited it again due to their response, i left the apartment in a good standing regardless off what happened, i decided to pay them {$700.00}, it mean i want be able to get anything back from 2 of my tires.they refused and want me to pay {$1200.00} which is the whole amount the collection put in my report and one thing i didnt like is they still calling that a settlement.the first payment of {$700.00} suppose to be paid the XX/XX/XXXX.i want a fair resolution of this case
I received communication that I owed a debt to an old apartment complex I stayed in for only a month. I left the place because of their lack of security, roach infestation and loud obnoxious neighbors. I went to court because they said I had not paid my rent. I had money orders etc to show it was paid yet they still sought legal action against me. I responded to the judge and explained the situation thoroughly. The judge then waited the allotted time for the lawyers to respond and they never did. The case was then dropped due to lack of prosecution. I found out later when applying for a job that the apartment complex sold the assumed debt to a third party debt collection agency. I sent over the court documents showing the case never had a judgment placed on me yet they still try and pursue payment. I submitted documents to the credit bureaus and all debt was removed from my credit reports. This month I tried applying for a loan and was denied because a eviction showed up on my credit report. I need this stressful situation resolved because they are causing me undo stress as well as embarrassment.
I called in to Experian ( spoke with a female Rep. name XXXX ) to dispute some incorrect addresses, names, and a SSN that was listed under my personal information and she refused to properly verify my dispute and correct information.
Everytime i am asked for my name and identification documents by authorities, a file of someone else criminal activites shows up upon giving my ca id # .. at one point in time i was called by XXXXpolice officer asking me if i want him to mail my id card to same address on the card, bec supposedly jt was comphiscated from someone whos been using it for cashing checks, openninh bank account, issuance of checks and others that can be easily obtain thru my card. And i dont think i filed anything against that wrongful act. And so many years passed, i realized why is it i can open no checking account, have a credit card and even getting trouble as far as going to jail ... this became so serious and i dont know how to clean it. Im XXXXyears old now and i havent achieved anything as far as my rights to have anything and evrything i deserve because of this particular individual who used my id to commit criminal acts. If im not mistaken shes also used my ss number. Her name was given by officer in processing my last encarceration : Name XXXX XXXX From XXXX XXXX, Ca Please help me.. 
XXXX Cell ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, Ca XXXX
I was a student at XXXX XXXX from XXXX. During this time I used XXXX XXXX as my lender. Once they became Navient I have had nothing but problems. I was on a payment plan from XXXX. During this time I was paying {$310.00} every month and funds went to all loans. Once Navient took over, only certain loans were being paid and others were defaulting. In XX/XX/XXXX I returned to school and some loans were in deferment. During this time I knew some loans had reached their maximum deferment time and I was preparing to do another payment plan. Loans that my mother had consigned were " in deferment '' or so I was told. I was arranging payment plans for the loans my father had cosigned and was going to do a monthly plan as I had done before. As I was checking on his loans I was told not once, not XXXX, but XXXX times on different occasions that my mothers loans were I deferment. Come to find out they were not and her credit report suffered. They did not just tell me her loans were in deferment they also told her they were as well. My father called to give his financial information and was on the phone for an hour. Days later when I called back to finalize they did not have any record of him calling. He had to call again and repeat everything he had just given him. Inconveniencing him for their error. My mother had to call and give her information after angrily stated that she and I had both been told that her loans were in deferment. She also had to call a few times because they did not " have record of her calling ''. Once I finally got things straightened out I made a payment and set up a 14 month automatic payment plan. As the month after I made the initial payment went on I kept getting emails saying I was late on my payment. I called and said that I had made a payment and am on a payment plan to which I was told " yes you are you should not be receiving these emails ''. Then a week later my mother gets a report from her credit company saying her score went down XXXX points due to non payment to Navient. I called them again and they AGAIN stated that I was on a plan and that they can see the payment I made. I asked why our credit was still taking hits even though I have done the right thing and gotten onto a plan and given them money. I was told we would have to contact our credit reporting sites and ask for it to be removed. Further inconveniencing us for their errors! To top it off I can not log in and see the totals on my loans because of " account status ''. I have paid them money! I am on a payment plan! How is it legal to keep people 's financial information from them? This company is terrible and I am looking into legal actions as they have more than once messed up mine and my parents credit report due to their own errors. Their poor business practices need to stop. They can not go on treating people the way they do and not caring that they cause unnecessary headaches.
I received a letter from XXXX XXXX XXXX stating that owed {$3000.00} to Pinnacle Credit Services , LLC and that the original owner is XXXX XXXX. I do not owed any money to XXXX XXXX or Pinnacle Credit Services. I wrote a letter to XXXX XXXX XXXX disputing this debt and requested proof that both the debt and the creditor are valid. This is a scam and I do not want this to affect my credit report.
Received bill for medical services that had already been paid when services were rendered. When I contacted the facility where procedure was done, was told my account was paid and nothing outstanding. A radiology office claimed that I owed an additional fee for the service but the center that performed the procedure confirmed that their onsite doctors reading of the results is included in the price I had already paid with a credit card. Procedure is not covered by insurance so payment is due when service is performed. This Radiologist " billing department '' submitted to the wrong insurance company which denied payment as would be expected. Now charge has moved to a " collections agency '' and ultimately a threat to my credit. All phone numbers provided are automated attendants with no option for a live person. I have also received numerous phone calls referencing the outstanding balance, but it is always a robo-type voice leaving a message. Have read from others who have encountered similar situation and have ruined their ability to acquire credit even after paying off the debt. Worried that my credit card information or other personal information has been stolen without my knowledge.
Discovery Financial is trying to collect form me XXXX XXXX. I was only an authorized signer on account. My father XXXX XXXX was the actual account holder, he is the only one that signed up for the account. Ive tried numerous times to get Discovery financial to send me a copy of the SIGNED application. They can not provide it. They can only provide a bunch of statements where I did make the payment or signed for tire changes or things of that nature.
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX reference # XXXX tried to collect a debt from me that was covered under my bankruptcy chapter XXXX case # XXXX
on my credit card statement it has your NEW BALANCE with interest & any new purchases. I paid the whole thing off, {$23000.00} .A few days later I got another statement saying I owed more interest. I called Chase & they told me I owed more? I filed a complaint with the XXXX & XXXX Office. Chase called me & sent my card holders agreement. I read this & no place on it does it have if you pay the New Balance off in full
In XXXX XXXX 2018 Citi decided to take it upon themselves to be able to decide what kind of legal firearms components I could purchase. This is an invasion of my privacy and personal rights. They way over stepped their role and how they insert themselves into our private lives.They are bullying us legal creditcard holders that have the citi double cash back card. My citi mastercard number is XXXX XXXX XXXX XXXX
I am so hurt and disgusted by XXXX/Bridgecrest. I was 28 days past due on my car loan payment and I intended to make a payment before the 30 days past due mark. I called in on the XX/XX/XXXX to make a payment but my phone call was interrupted by an incident in my home. The XX/XX/XXXX is when I became a victim of XXXX XXXX. I was XXXX and had to run from my home. I called in a few days later to make a payment and when I did, the representative said that there would not be a penalty other than a late fee but there would not be a late payment reported on my credit report due to this circumstance. A week later, I checked my credit report and a late payment was added to my account after I was already told that I wouldn't be penalized. I called in and asked why this happened and the 2nd representative told me that the 1st rep meant something different. The 1st rep was very clear in saying that if a payment was made the day that I made it, there would be no reporting of late payments to my credit report. The 2nd representative said that was a lie and refused to forward me to a manager. I FEEL LIKE I AM BEING PUNISHED FOR BEING A VICTIM OF XXXX XXXX. I also contacted them by way of email, explaining the situation and hoping I would get a call back and I didn't. I even offered to send the copy of my police report to them to show that it was not a made up story and they handled me terribly. Now this is hurting my credit and has severely lowered my score. I can not get an apartment or anywhere to stay due to my credit score dropping and it's affecting both me and my XXXX year old child who is also a victim in this situation.
On XX/XX/2018, i saw an unauthorized transfer from my checking account to an unknown number for the amount of {$1000.00}. I immediately went to the chase bank closest to me and tried to stop the transfer. The person who helped me called the fraud department and tried everything she could to help me stop the transfer which couldn't be stopped. The fraud department assured me they would conduct an investigation regarding the transfer, advised me to close my account and open up a new one and in the mean time they would provide me with a credit. A few days later i go to the bank and ask about the investigation and the credit, and they informed me that they didn't find any fraud activity on my account, which meant i wouldn't get my money back. Even though I didn't authorized this transfer and did a police report for grand larceny. I tried multiple times to fix this problem with the bank and the claims department. One time i even had a super visor tell me that i had to proof that the transaction wasn't me. Please i am in need of your help, that money was a refund check i received from the government to buy my books for the semester, and now I do not have the funds to buy any of my books.
I noticed a {$1400.00} debt reported as collection on my equifax credit file. According to the report Original creditor is  XXXX    XXXX   XXXX   located in  XXXX   XXXX . Collection agency is  Southwest recovery servi ces located in  XXXX  Texas. ( Both of which I 've never had any dealings with in my life ), This is a fraud. i 'm in the middle of purchasing a house and this kind of activity will jeopardize my chances of owning this house. I am asking for a full investigation of this matter. I 'm requesting that the highest penalty possible be implemented on these perpetrators. I want this account removed from my credit file.
For over two weeks ( today is XX/XX/XXXX ), my husband and I have been receiving phone calls, day and afternoon, and evening, from a company called Portfolio Recovery Associates. Sometimes, it is several times per day. They do not leave a message, or when we do pick up the phone, there is no one there -- it 's just dead space. I have called one of the numbers back ( this company has a lot of different numbers ), and I have gotten a person. This employee of Portfolio Recovery insisted on knowing my name, which I refused to give to her. WE HAVE EXCELLENT CREDIT RATINGS AND NO, NO, NO DEBTS IN ARREARS, EITHER NOW OR IN THE PAST. I told her this and demanded that our phone number ( a land line ) be taken off their list. ( I had called their number, XXXX, prefacing it with XXXX, so they would not see our names in their caller ID. ) She could NOT tell me my name, and I kept saying that several other people had had our new phone number ( before we obtained it, three months ago, XXXX. ) She said she would 'take your number out of our system. '' I said that if she did not, ourlawyer would be getting involved. I know that I will be getting more calls from these unethical people. I have read horror stories about this company and others, who harass people such as us who DO NOT HAVE ANY DEBTS IN ARREARS!
For the past 4 months, Navient has been reporting delinquent to all credit bureau on my student loans. However, I was placed in a payment plan back in XX/XX/XXXX for the amount of {$220.00}. I made a payment the day of the agreement to bring my account current. For the past 3-4 months, Navient has withdrew the amount of {$220.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. For those consecutive months, I've been getting hit with negative points on my XXXX. I called to investigate and supposedly I was kicked out the program and arrangement I had made but yet money was still being taken out my account. My question is why would they continue to take money out my account if I was taken out the arrangement that was made for the {$220.00}? So I decided to STOP all payment to Navient until the issue is solve. Either way my XXXX is suffering. I think it's unfair and bad business practice. The whole point of me making the payments is to help my cripple credit score in the first place. So unfair!!!
On XX/XX/2018, this company called my mother 's house after repeatedly calling her cell phone. The call is a robo message stating " several complaints '' have been filed against me and my " cooperation is required. '' The " complaints '' are apparently but a single debt alleged that I owe. The pluralization of this single incident is intentionally false. Further, the characterization of a debt collection as a complaint and my cooperation being required together would lead any reasonable person to think the caller has some official capacity, i.e., governmental authority. This robo message fails to identify the person or the name of the company that is calling. This same message has been left for many others according to a cursory web search. This call also comes from a spoofed Caller ID number identifying the caller as " XXXX XXXX XXXX XXXX. '' Upon selecting 1, the call is transferred to a woman who gave only the company name. She refused to identify herself, state the nature of the business in which the company is engaged, or the company 's address. I was told to " go to XXXX '' and " do my homework. '' This failure to identify is improper.

This company has never given me written notice about any alleged debt. I do not owe anyone a consumer debt for which payment are delinquent. I believe this company has violated many provisions of Federal law. Additionally, they are not registered to collect debts in my state as Florida requires.