WillisBack/dataset-financial-user-claim huggingface dataset:
These people called XXXX of times and a few time said we was going to jail and going to sue us, and the still call about XXXX times a day for sure the same time at XXXX every morning, i told them many times to stop calling and they still call and also call our cellphones. and now they have a robocall system that calls right on time each day. The name of the place is called PortfolioRecovery
XX/XX/XXXX I want to complain about VW credit for their 1 ) Mismanaged service, 2 ) Excessive wait times, and 3 ) Faulty equipment that makes it impossible to pay by phone.

My wife attempted to make a payment on our VW account. No matter how many times I have authorized her to make payments on this account, VW has denied her.

Which means that every time she attempts to make a payment, she needs to reinput all the numbers on our bank account after waiting an excessively long time.

Today, she waited on her phone over 20 minutes to speak to a supervisor in addition to the 15 minutes to wait for a person to take the account number after their system did not accept the account number punched in.

Their attempt to " help '' was to call me during business hours. This is not acceptable as I'm in meetings most of the day. As I already had authorized my wife to make payments by phone, this should not have been an issue.
This has been a constant long overdrawn situation! I have had this company add medical bills on my credit report then take them off and add them again. I also received an alert from my fico indicating that a new collection has been added to XXXX without any knowledge or verification or validation. I have sent the credit bureaus multiple letters to please SHOW ME ACTUAL PROOF that I signed or used an insurance card or was seen in such known facility. The letter from ARS does not indicate such thing.. these same collections has been removed in XX/XX/XXXX and added back. I want proof or delete them.. I have asked numerous of times. I have also uploaded the correspondence received from ars the service dates are not matching what was placed on my credit! Please send me validation of records.. from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
I never contacted   XXXX   XXXX   XXXX   of  XXXX , SC. Therefore, I could not have been the one signing a credit application with the reference application number :  XXXX . Therefore, all the information sent to the consumer reporting agencies is incorrect.
I have a open collection on equifax 's credit report. i have disputed the validity of this with the collection agency ( XXXX ). they have sent me a letter stating that they have requested that this be removed from the XXXX agencies ( XXXX and equifax ) reports. XXXX complied and equifax refuses. i have disputed this and they insist it has been validated even though the collection company has stated in writing that this was an error and should have been removed.
On XX/XX/18, XXXX reported to all of my creditors that they are reducing my FICO score to XXXX, prompting American Express to reduce my credit line from {$10000.00} to {$2300.00}. AMEX required that I pay {$3500.00} in one lump sum to keep my credit line. I noticed that my bank, XXXX XXXX XXXX. had changed my auto-pay due dates on several other creditors, making me late on several payments. I noticed that the XXXX due date was affected as well and called to assure them that they would receive a payment. I also inquired as to why they are reducing my credit line {$7700.00}. They maintain that it is because of XXXX 's reduction of my FICO, even though I have been an outstanding customer for many years. When I asked why they wo n't increase it because I have been a responsible customer, they said that the FICO score matters more than my payment history. I filed a compaint against XXXX, but it was not successful. 

I do n't have the time to continue my dispute with XXXX, but when I asked to cancel my XXXX account, they told me to cut up my card and that I would be liable for the balance. I do n't understand why, if I 've always been a good customer, am I being considered to be a derelict, ready to defraud them. On the contrary, any creditor who does n't honor the facts is doing business fraudulently. XXXX 's business practices are not based on sound policy, but are based on heresay and fraudulent information. 

The reps XXXX and XXXX are ignorant customer service reps as well. Thankfully, other creditors are n't following this kind of unreasonable business policy. XXXX needs to apologize to their good customers, in the least. 

XXXX XXXX
I received XXXX County 's Original Citation submitted by Linebarger Goggan Blair & Sampson , LLP, signed by Attorney XXXX XXXX XXXX representing XXXX County Toll Road Authority. The citation states that I have to pay {$130.00} for the unpaid toll of {$5.00} that occurred on XXXX XXXX, XXXX. I have never received the original bill from XXXX XXXX XXXX XXXX XXXX that they claim they had mailed to me on XXXX XXXX, XXXX. According to XXXX County Toll Road Authority, it was only ONCE ( first and final notice ) that the bill was mailed to me. Three years later, without any reasonable option to pay the unpaid toll, I was faced with the citation with the beyond unfair and unreasonable collection fee. I am filing this grievance because the attorney representing XXXX County Toll Authority had not made any attempt to contact me and give me an opportunity to pay this toll. I have tried several times to contact the Law Firm ; however, I did not get any response.
This complaint against Champion Mortgage concerns questionable business practices when a reverse mortgage becomes due, and seeks answers from their upper management. 

My Mother had a Reverse Mortgage with Champion Mortgage. When she passed away on XXXX/XXXX/16, she owed Champion about {$120000.00}. With her house at XXXX XXXX XXXX XXXX, XXXX, CT XXXX valued at about {$270000.00}, our plan was to sell it and pay off the mortgage. 
After the funeral and spending some time organizing myself to deal with my Mother 's estate, I contacted Champion Mortgage on XXXX/XXXX/16. I was told that by XXXX/XXXX/16 I needed to provide the following : Copy of the Death Certificate Copy of the Will Letter of Intent to Sell the House Listing Agreement with Real Estate Company/XXXX. 
On XXXX/XXXX/16 I mailed the first XXXX documents to Champion, and stated in the Letter of Intent " We are working with XXXX XXXX of XXXX XXXX XXXX XXXX to get the house listed as soon as practical ''. On XXXX/XXXX/16 I contacted Champion again after having signed the Listing Agreement ( document # XXXX ), and our real estate agent XXXX XXXX sent it to them as an e-mail attachment later that day. 

Within a few weeks we were fortunate to receive and accept an offer for the house for {$270000.00} with a closing date of XXXX/XXXX/16. Much to my surprise, I received a letter from Champion Mortgage dated XXXX/XXXX/16 stating " your loan was referred for foreclosure processing today ''. I e-mailed Champion on XXXX/XXXX/16 asking what the heck was going on, provided them with the sale and closing date information, and stated emphatically that I wanted to hear back from them. I received no reply ; they seem to deal only in form letters. 

On XXXX/XXXX/16, with the closing date of XXXX/XXXX/16 imminent, Champion included a charge of {$3000.00} for " Attorney Fees and Cost '' in the Loan Payoff document they submitted to our attorney. I spent the entire afternoon of XXXX/XXXX/16 going back and forth via e-mail and phone with our attorney, our real estate agent, and Champion. Champion claimed that they had not received the Listing Agreement, and therefore were entitled to {$3000.00} as the cost of initiating foreclosure. To make a long story short, it was proven to Champion that they had in fact received the Listing Agreement on XXXX/XXXX/16, and the {$3000.00} charge was dropped. 

Various business practices that were followed by Champion on this reverse mortgage once my Mother passed away were very troubling to our family. Perhaps their very aggressive approach has become an accepted way of doing business, but to me they lacked both the professionalism and decency that I would expect from any bank or mortgage company.
I was wired money by my sister across the country. I went to the nearest western union licensed against. There were probably XXXX or XXXX other customers in the store. I go to grab a slip that I 'm supposed to write my private information on including : my password, phone number, address, and that same information about my sister the sender of money. When I ask for a form to fill out he says do n't worry about just tell me the information. So I provide him with the information but because it is not written down I believe he put the password in wrong. He says " The passwords wrong I can help you '' and go 's to another person. As I 'm on the phone with customer service I hear him making derogatory and discriminating remarks about XXXX and refusing to answer customer clients. He seemed to have XXXX friends hanging out with him and was only interested in getting the rest of us out. When I reached customer service via phone I explained to the guy on the phone that I am attempting to receive money but the agent claims he 's locked out of the system, so the phone guy told me to tell the agent to call a certain number. The Agent say " No, I do n't feel like it right now, maybe if you come tomorrow. '' I relay this to the guy on the phone who I then attempt to get the agent to talk to. the againt says " No, You should go. '' So then I tell the guy on the phone I 'd like to file a complaint about this again. The guy on the phone says he needs his name and agent license number. I have neither so I ask the agent and his reply is Get out. Ultimately I never got his name or license number, but I did get the store address and name, and he is the only guy behind the counter during the day time. He also Never gave me the money I came in for although now he and all of his friends in the store had the private information for withdrawing the transfer.
This company has not proven that I owe any debt to them, I never signed any contract or agreed to pay AD ASTRA at any time. A TYPED name is not VERIFICATION that a contract was signed and agreed. If a contract was signed and agreed upon it was with a company other then Ad Astra. I am asking for information and signatures stating that I OWE AD Astra MONEY. I never signed any contracts with AD ASTRA I have no knowledge of them until recently.
For many years i have been contacted major credit bureaus and creditors to advised them regarding accounts that are not mine and open in conjunction of identity theft claim # : XXXX ; have submitted creditors and all three agencies with ID Theft Affavaid, police reports and consumer statements both via phone, online and in writing. The accounts opened in result of ID Theft are : XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXt and some accounts have resulted in collection accounts due to non payment which are XXXX XXXX XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX, and XXXX XXXX XXXX.
I have an unauthorized hard inquiry from XXXX XXXX on my Experian credit report datedXX/XX/XXXX that does not belong to me. I have attempted to resolve this matter with Experian diretly via phone and even via CFPB but am told continuously told to contact the creditor. This complaint is to make you aware that I have already attempted to resolve this matter with them, as per your instructions and have sent a CERTIFIED LETTER requesting to remove this erroneous record from my report. A return receipt is provided in this complaint which shows it was received by XXXX XXXX on XX/XX/XXXX. The creditor has not responded to my request despite waiting 60 days. Please have this record removed from my report immediately. Attached is proof of my attempt to resolve this matter and have now been left without resolution form both parties and yet I continue to have an adverse record on my report that does not belong.
Trans Union is being willfully Malicious by failing to timely and accurately update my credit report as required by ( FCRA ), 15 U.S.C. 1681 et seq. 
Original Dispute was filed on XX/XX/XXXX. To date, still not resolved, albeit the XXXX other major credit bureaus have acted in conjunction with the credits required to correct the inaccuracies. 
Specifically, referring to the XXXX XXXX XXXX XXXX ; after I called XXXX XXXX today ( XXXX/XXXX/2016 ) @ XXXX to ascertain the accuracy of the inaccurate information, I was advised that they did not submit any/ that information as they have ceased to report that account since XX/XX/XXXX .It was also observed that Trans Union has `` re-aged '' the reporting of that account to XX/XX/XXXX. 
Inaccuracies continues with my XXXX XXXX XXXX to date, notwithstanding corrections issued by the creditor since XXXX XXXX, 2016. Please see the attached. 

Please see prior unresolved complaint : Case number : XXXX
RCS. Residential Credit Solutions. Fails to post payments and insists they were not received ..after loan from an other bank is sent to them it takes months yo get any account number or statement. Phone service will tell you that statements are not required to be sent out..but how can you make a payment if you have no were to send it..they answer that is your problem..after many attempts at trying to resolve this issue they say your late and going to be foreclosed on..they leave you no option in the end but to agree to a payment plan with huge payments and high fees associated with it..this is a scam to try to put you into foreclosure ..rude people to deal with ... .I am not alone in this there are many complaints on line with others..why can a business get away with this obvious illegal behavior..
This is regarding an account reporting on my personal credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 
2 ) Also the number of months for terms changed from 77 to 0! Also not accurate! The other two bureaus are reporting 77.

3 ) The date of last payment is reporting XX/XX/XXXX also not accurate! The other two bureaus report different dates. 

On the previous months report dated XX/XX/XXXX : 1 ) The balance changed again from the months prior to this from {$7300.00} to {$7400.00} which is inaccurate! 
2 ) The terms also went from 0 months to 77 months. 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7400.00} to {$7300.00} which is not accurate! The other two bureaus show different balances!

2 ) The terms also changed back to 0 which is inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$240.00} which is not accurate! 
2 ) Same issue with balance reporting {$7400.00} when the month before was {$7300.00}! Not accurate!

3 ) The terms also went to 0 instead of 77! 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7300.00} when it was {$7400.00} They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!
Navient student loans calls us  3x a  day everyday of the week because our son is behind in his loan payment they do n't need to harass this much.
i paid off my credit card on XX/XX/2016 and a payment was due XX/XX/2016 and they are saying i : m 30-60 days late.there is a XXXX balance on my card as of now.And this issue is costing me XXXX points on my credit which is false,
XXXX      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Mo  XXXX  no signature and no contract
I called the credit Bureaus to report unauthorized inquires on my credit file, and I was told to contact the companies directly it was nothing they could do on XXXX. I spoke with all the companies listed below and was told I had to contact the Bureaus for the unauthorized inquires on my credit file. These are fraudulent and need to be removed as soon as possible. The fraudulent accounts are listed below ... 

XXXX XXXX XXXX ran in inquires listed below : A total of 5 times on different days without authorization. 
XXXX XXXX XXXX : Inquiry dates : XXXX, XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX. 
XXXX XXXX : Inquiry dates : XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX XXXX XXXX XXXX ran the inquiries listed below without authorization, a total of 8 times. I went to the dealership XXXX and requested to speak with the manager XXXX and informed him I didn't authorize these inquires : XXXXXXXX XXXX   inquiry date : XXXX XXXX XXXX : XXXX XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX/XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX : inquiry date : XXXX These companies all been contacted individually by phone and I was told to contact the credit Bureaus after I explained to the companies that I had already spoken the each credit Bureaus and the Bureaus had to me contact each company because they couldn't do anything.
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by Santander Consumer USA account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for Santander Consumer USA, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by Santander Consumer USA, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,
Midland Credit is trying to claim a debt was opened in XX/XX/XXXX when in fact the service with XXXX was discontinued in XX/XX/XXXX due to the fact that the area I lived in had no service at all. I switched to XXXX with only 2 months left on a 2 yr contract. They are claiming the debt was opened in XX/XX/XXXX but this is totally false, this to avoid the fact that they are well past the statute of limitations for the state of Florida and they know it. This debt was over 3 yrs old when they first filed it in XX/XX/XXXX and if anything the amount owed would have been 2 months not the price of the full 2 yr contract. In XX/XX/XXXX all debts were cleared while applying for a mortgage. I demand documentation from XXXX as proof that we had any open accounts with them after XX/XX/XXXX, I have not spoken to or verified any debts with them in order for them to start the clock running again. They buy old debts and then add hundreds of dollars to the original amount and keep updating it as a new debt on my credit report.
XXXX, Experian & XXXX.

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed.

Company & Inquiry date 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX 23. XXXX XXXX  XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

XXXX XXXX XXXX
XXXX for my, then XXXX yr old daughter XXXX. I have XXXX XXXX XXXX. through the XXXX XXXX XXXX in XXXX Nv. I pre authorized the work on XXXX. The XXXX was done on XX/XX/XXXX. A XXXX later, if there was some problem with the covered amount, they had plenty of time to know. I came to pay it in full after a XXXX months of small pmts. and XXXX XXXX XXXX XXXX 's staff said I owed XXXX I have a written pre auth for {$630.00} So I said they needed to call XXXX XXXX again and straighten this out. It went back and forth, They would say I only owed XXXX then back up to XXXX ... I got a note from XXXX, a office staff person at XXXX XXXX 's, saying that she called XXXX and I and my daughter were fully covered and she resubmitted, that was XX/XX/XXXX ... months later. XXXX XXXX, I got a statement form XXXX XXXX Saying the amount I owed my provider, {$630.00} exactly. I sit here now XX/XX/XXXX, The Collection Service of Nevada has garnished my wages, I make {$XXXX} per hour, and I will have trouble feeding my XXXX children, and making mortgage. I have had this problem with XXXX other dentists in the XXXX area ...??? Is this just how they do business? I ALWAYS have gotten a pre Auth. and always say " Please make sure this procedure is covered to the amount quoted ''. Is that some kind of a joke with dentists? You sign that you will be responsible, Then they do not make sure you are covered to the amount quoted. Knowing full well that you will be on the hook anyway. So when I talked to XXXX XXXX XXXX month, before the attached my wages, The woman was looking over all my documentation she says, " they should have known before the final root canal and cap that you were maxed out ''. So did they know? Sounds like they might have. And XXXX other woman who works with me, has had the same problem with the same dentist, over billing after the quote, with the same Ins.