WillisBack/dataset-financial-user-claim huggingface dataset:
I am getting numerous calls which my phone tells me is from XXXX WA. I get a recorded message that tell me it is about debt collection and it gives me XXXX phone numbers to call : XXXX and XXXX. It tells me to refer to case number XXXX. I know this is fictitious because I have no debts. I have not called the number because I think this is a scam. The incessant calls are annoying. I am supposed to be on the " do not call '' list.
I got a reminder notice from XXXX XXXX claiming they never received my payment and charging me a {$2.00} late fee and threatening to disconnect my water service for nonpayment. I paid the bill through nfcu 's online bill pay as I always do and it was supposed to be delivered by XXXX XXXX. I do n't know why nfcu DID N'T pay my water bill but this needs to be resolved IMMEDIATELY. The customer service from nfcu lately sucks!!!!
I was called numerous times on a daily basis about a debt that Portfolio Recovery purchased in 2014. I  requested verification of the debt on numerous occasions, but I have never received any documentation ( a bill or any other proof ) from them. Because the account was negatively affecting my credit and my requests for validation were essentially ignored, I settled this account for s portion of the balance. 

Since then, this company has continued to report monthly as a factoring company with each credit bureau and has done so since the purchase of the collection account in 2014. The account shows that the debt originated with XXXX. I do not have the full account number. It begins with XXXX. 

I reached out to this company via a BBB complaint. Despite the fact that I attached documentation, which proves the contrary, the company has ignored my complaint. 

XXXX XXXX XXXX business practices are unscrupulous. Rather than perform its own due diligence by obtaining documentation from the claimed original creditor, the company continues to send me mail requesting that I provide such documentation. Even faced with proof of its illegal reporting on my credit reports, the company vehemently denies any wrongdoing.
Opened a Best Buy credit card by Citibank here in XXXX XXXX early XXXX and purchased a laptop and an air cooler worth around {$1500.00}. By mid XXXX I paid off the said amount with interest. By late XXXX, I was shocked to find out that I still have around {$8000.00} balance in my account with them since I never use the card after the first purchase .I called them and talked to collection department sometimes on XX/XX/XXXX. I was told that, an extension card was issued to my strange son, whom I have not seen in years. I argued that I have not applied for an extension card nor sign for anybody. I spent the whole XXXX getting in touch with them to settle the issue but they insist that I am responsible for that credit card. My credit score was badly affected by that account and the balance keep getting higher and higher. 

I am a XXXX years old XXXX veteran who is suffering from XXXX   XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX and this problem with the said credit card is giving me the agony that is too much to handle. 

I need your help very badly. Thank you very much.
Ok there was a charge on my American Express card which was unauthorized XXXX I made the dispute threw my bank and they did not handle it properly they said that the merchant contact them saying that they had already paid me in a form of check I never received any check plus I thought that the money had to be put back into the card oh another the check is not even under the account holder {$4800.00}
A balance transfer payment was made to my XXXX XXXX Credit on XX/XX/2018 in the amount of {$1700.00} check number XXXX from my Cardmember Service account. The check was cashed on XX/XX/2018. I have supporting documents ( front and back of check ). I forwarded the documents to XXXX Payment Inquiry Team as requested on XX/XX/2018. As of XX/XX/2018 the issue is still not resolved. I have spoken to several different supervisors and was told an investigation is being done. Each time I get an apology but they need more time. I was told the payment was posted to another account. This is totally unacceptable. In the mean time I am responsible for payments to XXXX Credit to avoid late fees. I have had to have late fee reversed on the initial occasion. Please help.
I have contacted XXXX XXXX several times about this account reporting on my transunion credit report and neither time could they find an account with my name but it 's still an account listed on my credit report.
Received email dated XXXX/XXXX/XXXX from Frontier Airlines MasterCard issued by Barclays Bank, saying " earn a {$100.00} Frontier Airlines flight discount every year when you spend {$2500.00} on purchases with the Frontier Airlines MasterCard. I completed the the required purchases by XX/XX/XXXX and contacted Barclays Bank asking when I would receive the {$100.00} discount voucher. Barclays Bank emailed me saying it would take 6-8 weeks. After 8 weeks I contacted Barclays Bank again and was told the the discount voucher plan was not in effect until XX/XX/XXXX.
I paid off my mortgage loan in XXXX XXXX with PHH Mortgage Services and can not get them to release the loan. In XXXX I took out a mortgage with my husband. This loan was paid off in XXXX when we divorced. I took out a new mortgage ONLY IN MY NAME to close out the joint loan with my husband. The joint loan should have been released in XXXX, but PHH sent me this release earlier this year. What I have been trying to get PHH to do is to release the mortgage that was only in my name. I called PHH on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. They kept telling me that they were working on the correct release. I then sent them a letter on XXXX XXXX, XXXX. PHH still has not released the loan in my name that I took out in XXXX.It was not a refinance of the original loan because I was taking the loan out only in my name and paid the joint loan off in XXXX to erase any connection to the home with my former husband. I need to get the release as soon as possible. This tremendous delay has made it now an urgent situation because I am planning to sell my house in the first quarter of next year ( XXXX ). Please do what you can to urge PHH to release the correct loan that had only my name on it. Thank you.
I opened a CitiGold checking account on XXXX XXXX, 2016 after receiving an offer awarding XXXX XXXX XXXX miles upon the opening of the account, and completing several activites ( debit card purchases of {$1000.00} and 1 or more bill payments for two consecutive months, all within the first 60 days of opening the account ), with promotion code XXXX. I successfully opening the account, completing both activities on XXXX XXXX. I verified the terms of the promotion code with an online representative, and said that the miles would be awarded 90 days following completion of the requirements, or XXXX XXXX. I waited the stated time, and when they did n't post to my XXXX XXXX account I contacted CitiBank. They stated that since I was not 'targeted ' that I would not be eligible for the promotion. Nowhere on the terms and conditions of the promotion does it mention needing to be targeted, only that I needed to receive the promotion, which I obviously did since I used that promotion code. I submitted another request for them to reevaluate their decision about 1 month ago, however have not heard anything since. Therefore, I believe that I am due the XXXX award miles promised with the terms of the promotion.
I filed a dispute with XXXX and Experian on XX/XX/XXXX, to show that XXXX has deleted certain accounts, I also provided the letter to prove that those items was deleted off my report. I have not heard anything from Experian at all and I have disputed more items beginning in XXXX  of this year. XXXX have n't responded either. the items are still reporting on my report. i have asked both agencies to give me there burden of proof of the info and people who verified the account. neither has giving me that info. all of my accounts are frozen until this matter is resolved. please delete the items off my acct XXXX has already done so. if they could n't verify, neither can you.
BEWARE! American Express is sharing customer data with XXXX. THIS IS UNBELIEVABLE in an age of data privacy. IT IS UP TO INDIVIDUALS to unlink their financial account with XXXX.
In    XXXX   XXXX     , my home experienced a   XXXX    due to a   XXXX   XXXX   XXXX   in the second story which destroyed my home. After much heartbreak and emotional distraught, we dealt with the  XXXX   XXXX  trying to underpay the minimum replaceable cost to restore the house. Finally, we settled on an amount and a check was paid out on   XXXX   XXXX   XXXX     for the approximate amount of {$78000.00} to me and my loan servicer,  Ocwen Financial Corp. I sent the check to Ocwen immediately to sign over the funds to me.      Ocwen has held my  XXXX  payout to restore my home since that date. We have an agreement that I will act as the  XXXX  to restore my house, so  Ocwen  is not needed as an intermediary point of contact.      Ocwen has released partial funding but is withholding the remainder of my funds of {$40000.00 } and another check for {$15000.00}. Because of this, I was forced to tap into my Home Equity Line of Credit to restore my home. I 'm now incurring interest fees and it 's extremely stressful and daunting.
I have contacted Prosper on several occasions regarding the amount of time it takes for mailed payments to be posted to my account. 

Because of a recent delay, I encountered fees totaling {$40.00}. After filing a complaint with the XXXX coupled with information from my financial institution XXXX XXXX XXXX, Prosper agreed to remove the fees. 

Unfortunately, I have had a difficult time getting Prosper to follow through with their commitment. I have contacted customer service via phone on several occasions as well as forwarded multiple emails to XXXXXXXXXXXX to no avail. 

Considering interest accrues on my account daily, it is critical that Prosper processes payments promptly as well as address consumer complaints timely.
Its 96 inquires on my credit report that i never applied for and its not fair to me, i am a fraud victim and i want this credit report agency to remove all that off my credit now and rescore my credit .Its keep reappering on credit and i want it off now, this goes back from XX/XX/XXXX to XX/XX/XXXX.This is Fraud ... someone stealing my name applying for stuff in my name
I requested to cancel my escrow account and Nationstar refuses because they say my LTV ratio is above 80 %. It is 89 % according to their calculation. This is not possible as I put down 20 % of the purchase price when I bought the home in XXXX of 2009. I am located in a very desirable neighborhood in XXXX, CO. This home has only gone up in value. I have paid my hazard insurance in full for the year, I have never missed a payment or even been late with a payment. This is a simple request that is well within my rights a responsible home owner and I have wasted way too much time trying to get this request fulfilled.
Someone fraud my name with a XXXX  XXXX card for {$460.00} XXXX XXXX XX/XX/2017 File number:XXXX
When this debt was reported to me I had made three attempts to settle my original debt with XXXX creditor in the sum of {$99.00} for a false claim that I owed that sum. My checks were returned XXXX time from XXXX XXXX with the explanation that I had already met my purchase obligations. Funds were available in my accounts I used to send checks for XXXX that I had already paid for under the clubs mandatory purchase policy. This original transaction with my XXXX creditor took place sometime around XXXXwhen my check was returned. My account was passed to RJMXXXX around XXXX XXXX, XXXX and I continued to dispute that collection notice. 
RJMXXXX continued to harass me over the next 2 years for the {$99.00} sum that they claimed I owed since I refused to pay until they were able to prove that I owed that original debt but they were never able to produce any documentation from XXXX that I failed to meet my obligation in purchasing the required membership DVDs. 
I eventually relented and paid the {$99.00} sometime in XXXX XXXX. 

My RJMXXXX account number reads XXXX I recently attempted to contact RJMXXXX at the following address : RJM ACQUISITIONS LLC/ XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, Phone # : XXXX The reason for my recent attempt to call RJMXXXX was to ask them to remove this {$99.00} collection notice from my credit report since I consider it to be incorrect and I have continued to dispute this item from the inception. 

As of today 's date I have not been able to contact RJMXXXX or any of their representative that have inherited their active accounts since I have been informed that RJMXXXX is no longer handling my account and every number that I call is either not in service or the representative or their supervisor can not do anything about my request since they do n't have my account since has been closed
Continental Central Credit , Inc. repeatedly calls from various numbers ( over 20 telephone numbers ). The debt was wrongfully submitted by " creditor '' XXXX XXXX XXXX as the creditor failed to conduct due diligence when billing health insurance.
I entered into a lease with my ex husband at the XXXX and we are both equally responsible for paying the amount that is owed. the XXXX are well aware of the tenant i lived with abandoned the residence therefore leaving me with the full debt.I would like to resolve the issue by paying half the amount that is owed to the collection agency.
Equifax continues to report an Illinois Child Support item to my report that is not correct at all. It is paid in full and has never been late ...
I made a large lump sum payment in ( XX/XX/2017 ) and specified in writing I wanted it applied to my balance not to future payments. This was not completed. I just learned today they misapplied my payment. The representative was rude when I asked to speak to a supervisor and hung up on me.
I was contacted by this creditor regarding a debt from 2003. I notified in writing this debt is too old to be sued for and I asked not to be contact regarding this debt. 
I was than contacted again by mail, which advise me to call. I explained to the creditor XXXX that they are past the statue of limitations to collect on this debt, and she advised me that they can sue, then she said they cant, then she stated that they would keep me in collections. I than contacted your office, and I an now submitting a complaint.
Instance 1 Account name CHASE RECEIVABLES Account number XXXX Recent balance {$210.00} as of XX/XX/XXXX Date opened XX/XX/XXXXStatus Collection account. {$210.00} past due as of XX/XX/XXXX. 


In dispute XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor CHASE RECEIVABLES Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$210.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual
I currently have accounts with BBVA Compass that are frozen : They are : XXXX CHECKING balance {$1500.00} XXXX SAVINGS balance {$3000.00} XXXX SAVINGS balance {$25.00} XXXX CHECKING balance {$22.00} CLEAR CHECK balance {$4100.00} ( pending dispute resolution ) I have requested that accounts be closed. Please advise why accounts without pending dispute resolution cant be closed, or at very least the approximately {$1700.00} that is not due to provisional credit be made available. Again was placed on hold for more than 2.0 hours this evening. My money has been held for more than 90 days and just in the last 2 days over 6 hours on hold, no resolution. PLEASE HELP, or I will have no choice but to seek legal assistance. 
It is my understanding that
The 2nd lien holder SLS, gave an approval letter with the demand of {$90000.00} from the 1st lien holder and or the sellers in order to release the lien so the sale of the property could not proceed as intended. The buyers walked away after knowing the sellers were unable to proceed with such a demand from Specialized Loan Servicing, something they conveniently forgot to include in their response to CFPB. The property was listed again at {$640000.00}, a price that the market supports, as there have been similar properties sold in this range and the property is in need of upgrades and maintenance. SLS refuses to have a interior BPO or an appraisal done, they are currently using active and under contract listings in their valuation which has no support in the final sale of any property. We currently have a new offer, it is being reviewed by the 1st lien  holder XXXX XXXX and waiting for another approval on the property. The 1st lien holder has also contacted their attorney XXXX and XXXX to start foreclosure proceedings, the letter is attached for your review. The approval letter, dated XX/XX/2018 from SLS is also attached for review showing the requested XXXX to release the lien, knowing the first would only pay up to 10 % percent with management approval which we have expressed multiple times to SLS in verbal conversations. If we can not get a reasonable payoff amount from SLS to release the lien so the sale can move forward, the property will go into foreclosure ; maybe this is the overall intention of SLS 's outrageous request for a payoff. The 1st lien holder has now offered {$6000.00} to the 2nd SLS, as a current payoff and the approval letter from them once received will reflect that amount. That letter will be sent to SLS for review and request to release the lien for the current offer on the property before it is foreclosed on. Thanks for your review and time on this matter, please advise. Thank you.
I purchased furniture from XXXX on XXXX/XXXX/2015 at that time I was over charged for an item I hadnt purchased. This was financed by synchrony bank on a store credit card. That same day a refund was processed for {$74.00} for the overcharged item. I was told it would take 2 months for this to show up on the card statement. It has now been 5 months and Synchrony tells me they havent received anything from rooms to go regarding this and rooms to go tells me that Synchrony must be at fault because they sent that refund request to them. I have called about this XXXX times for several months with XXXX organizations pointing the finger at the other and neither assisting me.
On XX/XX/XXXX I noticed that my Account on my Direct Deposit and Cash Advance have a balance of {$4300.00}, which is not correct. I call customer service I spoke with XXXX, I wanted to know when was my last Cash Advance,  she claimed she could see it, it. I told her that it been about six or seven years ago, that I used that service and my account still high. So I call the Dispute Department to get another Dispute started, because I had one in XXXX that was never resolved for the same thing because I have n't seen in decrease in my Cash Advance Balance. I spoke with XXXX, about the issue a hand he tried to brush me off, sending my call to XXXX in collection, than she transferred to XXXX, she looked at my account and told me that I had {$1000.00} worth of interest each year. I said what? Who in their right mind have interest that high, she asked to put me on hold while she talk with her supervisor, she never came back to the phone. Then XXXX, in Customer Service picked up, I explained to her what was on and the statement that was made to me about the interest. she was wondering herself why was n't that issue resolved on there end two years ago. I told her I guest because I just kept paying my bill and they kept sticking me. She claim that she 's going to escalate this dispute. I ca n't trust that, I tried that before and I 'm deeper in debt
Initially my credit file had been split a lot of the things that were on my credit report I was unable to view. I had to send in a letter requesting my credit report to be merged. For a few months I had been filing disputes for items that were on my credit report which did not belong to me. Its been a long process, finally started to see items being. I been trying to access the website for a few weeks and been unable to because the system keep asking me about which company I have a mortgage with, i select none even though some of the creditors listed I actually have a credit account with but i donot have a mortgage, I am a renter, so it denies access to my credit report every single time. On XX/XX/XXXX evening i was able to start an investigation on some of the items that I had been readied to my credit report and when i got to the end to hit submit the system gave a system error and I had to attempt to access the report again and then it denied access again. I had also sent in a written dispute on XX/XX/XXXX by certified mail which shows it was picked up and signed for but i have yet to receive an email from Equifax acknowledging the receipt as it had been done in the past.
We applied for and received a XXXX loan modification last year in XXXX 2015. Ocwen Loan Service was the loan servicer, it was a truly difficult process. 
We owed about XXXX at 6.5 % payment about {$2900.00}. We were approved, 4 years at 2 %, then 1 year at 3 %, then 1 year at 4 %. Our payment now is about {$2300.00}. 
In XXXX 2015 the loan was transfer/ sold to XXXX XXXX and I received a notification that we were short on our escrow of {$3000.00}. As I dug into the paperwork, I saw a {$2900.00} payment out of the escrow and it looks like it went back to Ocwen in late XXXX. I wrote both companies and complained about the issue and they responded that everything was right. But everything is not right. 

I just sat down to do our taxes and it was reported that we paid Ocwen around {$3000.00} in interest and paid XXXX about {$3000.00} in interest. total about {$6000.00} We usually pay about {$16000.00} in interest a year. I glanced at the statement last night and it looks like the credited themselves about {$9000.00} XXXX XXXX different {$1500.00} payments ) from interest payments back to Ocwen in XXXX 2015 XXXX around the time of the modification ). 
I am currently looking for an accountant or attorney that may be familiar with XXXX rules to help look through this process and see if it was handled correctly? 

I believe that that the HAMP modification performed by this company has been thoroughly screwed up. I would like to know if you have heard of other people complaining or are concerned that Ocwen may have taken advantage of? 

I would be willing to send all the appropriate documentation if there is someone that may be willing to help me go through this issue.
I received a notice from Convergent Outsourciong, Inc. over an over drafter account I had 9 years ago that was charged off by the bank, now they have listed an updated activity date on my credit report thais untrue. the debt is no longer collectable, and was written off by the bank almost a decade ago.