WillisBack/dataset-financial-user-claim huggingface dataset:
We received a bill from " ERC '' ( the only identification on the bill, no other heading on the bill ) collecting on a bill from XXXX XXXX XXXX ( XXXX ). We have lived in the same house for over 30 years and have never had XXXX. The bill was for {$190.00} Called ERC, they referred me to XXXX. Quite clearly through the conversation with XXXX, this account was not associated with us, except that the first and last name of the delinquent consumer was the same as my husband. XXXX told me that I needed to file an identity theft report with the police and a notarized affidavit regarding not receiving services. In other words, a half day 's work. The entity that had stolen my husband 's identity in this scenario was ERC. 

While on hold, I googled the name and found an obituary for someone with the same first and last named in the correct city where the service was provided ( which the XXXX rep has disclosed ). 

ERCs apparent practice is to mail a bill to someone with the same name as the delinquent account in hopes that they will simply pay the bill. To me, this seems the same as " phishing '' using the USPS rather than the internet. It seems like fraud to me.
XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that both the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.
There are XXXX ficticious medical bill charges on my credit reports that were illegally placed there by a company called Commonwealth Financial in an attempt to extort money from me by damaging my credit. This is in violation of FCRA laws XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$53.00} By placing XXXX separate charges on my account, they are deliberately attempting to damage my credit further than if they 'd placed a single charge. I have contacted Commonwealth and they were unable to provide any proof that these charges are real and valid. 

I asked the representative that I spoke to at Commonwealth if these were the hospital emergency room visits that my wife and I made after being hit by a drunk driver ( all medical bills were paid by XXXX XXXX XXXX XXXX XXXX ). Strangely enough, she told me that these were not emergency room visits, but rather 'physician bills '. 

In actuality, XXXX ' ( sometimes listed as XXXX XXXX XXXX XXXX XXXX ) is a fake agency and Commonwealth is known for illegally reporting these fake charges on random credit reports. They always list the charges at least twice, in an attempt to create 'panic ' in the victim and get them to pay faster. 

If the charges are successfully disputed off, Commonwealth will start placing random amounts as many as eight times on a credit report to exact 'revenge '. 

Case number : XXXX is an incident that happened to my wife, where Commonwealth had placed eight fake charges on her report. 

XXXX XXXX of Commonwealth Financial acknowledged that the charges were indeed fake and has promised a deletion update to my credit report, however this has not been done. She claimed to offer a deletion only to close the last case. I have not received a valid bill, I have not received an explanation and the charges are still on my account. 

I attempted to call Commonwealth Financial Systems again and I discovered that they blocked my telephone number : XXXX. How in the world are they attempting to collect debts or resolve erroneous information if they block the telephone numbers of people trying to call them? That seems a little suspicious. 

What Commonwealth Financial is doing is illegal and I would like to follow up to ensure that they are prosecuted. Meanwhile, I am pursuing a civil case against Commonwealth Financial as well.
XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXXl XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, Equifax, and XXXX but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
I had multiple federal student loans, I was advised to consolidate them because I qualified for XXXX XXXX XXXX XXXX. Before I consolidated, some of the loans had different interest rates. Once I consolidated, the interest rate was higher on multiple loans. I was in the program for 1 year, they required that I recertify my income for 2016 - because I got married and filed jointly with my wife, her income was included in the calculation. I was notified in XXXX 2016 that I no longer qualify for the program and my payment has jumped from {$290.00} to {$630.00}. That is more than double. I feel like I was given incomplete or inaccurate information regarding the program and now I am stuck with a higher interest rate and a much higher payment.
This is for Loan #  XXXX  When I leased the new infiniti from  XXXX  Infiniti on  XXXX / XXXX /  XXXX   they verified that my car insurance with  XXXX   XXXX   XXXX  was active. I gave them a copy of my insurance card with  XXXX  an d Infiniti Finance to up date vin # and verify with  XXXX   XXXX  that Insurance was in force.     I was rear ended in an accident by a dump truck. The accident was not my fault. When I called  XXXX   XXXX   XXXX  to let them know I was involved in a car accident, they told me I was not covered.     I contacte d Infiiniti Finance im mediately to let them know of their error and that I was not goi ng to drive the   vehicle in a damaged state. I can  not drive their  vehicle in its unintended condition. Thus, I returned their vehicle to  XXXX  Infiniti in  XXXX .     I told them I was not going to make any future lease payments until they repaired their vehicle. I gave them all of the Insurance information from the other driver.     They were going to call me back a month ago and agreed to not put anything on my credit report. However, they have and it is Fraud
Account Previously Deleted for non validation by previous collector and creditor. 
No dunning notice sent by this collector. 
This debt buyer has falsified date of account opening, first reported.
In years past I had an account with Bloomingdales who was serviced by DEPARTMENT STORES NATIONAL BANK. I moved a few years back and in moving lost the debit card that my auto-pay account was linked to and having a new address, I never received a bill. I spoke to a representative from DSNB at XX/XX/2017 and explained the situation. In 5 years of having an account with Bloomingdales, I never fell behind until the move. During the conversation with the representative, she recommended that I write a letter to Bloomingdales Billing Dispute department explaining what happened and to ask for forgiveness and removal from my credit report altogether. I did in fact send the fax to XXXX on XX/XX/2017 at XXXX EST. 

I followed up with a call to XXXX on XX/XX/2017 at XXXX EST to verify receipt of the fax/request. I was told, yes, the fax/request was in fact received and upon further review, DSNB/Bloomingdales was going to honor my request and submit a complete removal from the XXXX credit reporting agencies. I then asked for an updated mailing address for the letter of removal because the address on file was my previous XXXX address. 

I received an alert via XXXX that the account was updated but the balance was reduced giving the impression the account remained open but now having a balance. In discovering I fell in default by checking my credit report at XX/XX/XXXX due to a credit card application being declined, I reached out to the agency handling my account and paid the settlement amount. 

I 've yet to receive the letter of removal that I was told to expect ( reason for the updated mailing address on XX/XX/XXXX ) and am confused as to why I 'm now being told that after being promised removal by DSNB, I 'm being told by Citi that it will show as a settled account. There is in fact history of my calls and showing the dates I 've stated and I 'm well aware that the calls are in fact recorded so there should be proof of the conversation and fax receipts. 

Attached below is the original fax that was sent on XX/XX/XXXX to further validate my request and need for communcations.
I made an agreement on a pay to deleted with Enhanced Recovery Collection. I paid the debt over two years ago and they were to send all 3 credit bureau a letter to have this account removed from my credit report. As of today is showing as a negative collection on XXXX, which is affecting me trying to fix my credit score and report.
I got the personal loan about {$1500.00} from XXXX and the interest rate was around 27 % or somewhere around. After few month there was an offer to get more loan on the top of it, which I accepted it, which was around {$1100.00} more, and later found they charging 97 % of intere, Im making payments since more than six month, {$100.00} every two weeks and my balance is still there, looks like Im not able to keep it continue due to this, they taking all my payments in interest, Im looking for to adjust my interest in to a legal limit, I called the customer service about two weeks ago and I have been told that, there is no negotiation on interest.

Total loan amount {$2700.00} Total interest {$5800.00} Total due {$8500.00}
I had XXXX credit cards with Chase Bank that they closed. The credit cards are in good standing Chase closed them for some fraudulent reason, but that is n't the problem I have, I do n't care that Chase closed the accounts, what I do care about is that I have discovered multiple fraudulent charges on my Chase XXXX card and my Chase Freedom card, and Chase has refused to discuss the fraudulent charges with me. I have called and even spoken to supervisors, and they have refused to assist me with the fraudulent charges. I have faxed over copies of the fraudulent charges and Chase has refused to do anything about it. I have mailed copies of the fraudulent charges to where I was instructed to mail them, and Chase still has refused to do anything about the fraudulent charges. Chase Bank has told me that they will not do anything about the fraudulent charges since they closed the accounts. They have told me that I had no choice but to pay the fraudulent charges and that if I did not pay the fraudulent charges they would ruin my credit. I have been threatened and been demanded to pay charges that I did not make and that were fraudulent.
Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove one account from my credit reports that does not belong to me.
In XX/XX/XXXX I pulled all three credit reports. I noticed an account from Portfolio Recovery Associates, LLC. In XX/XX/XXXX I disputed the alleged account with all three credit bureaus. In XX/XX/XXXX all three credit bureaus came back as verified. On XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC. ( Letter enclosed ) Prior to this Portfolio Recovery Associates, LLC did not send a dunning notice. They also did not notify me within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter asking for validation of alleged account.
After speaking with PennyMac mortgage, the representative failed to close out of my account and inadvertently set up auto bill pay to my mortgage. The error was only recognized when I a received a letter stating I had set up bill pay. By that time, the other customer 's payment had posted to my account. The payment was reversed but the following month the company determined my bank account had been closed so I was sent to collections. Nothing about my bank account had changed. The error must have been made when linking my original checking back to my mortgage.
Again this another complaint against the student loan company American Education Services which is formerly the name of XXXX XXXX. I have filed complaints before in regards to their third-party collection practices. Allow me to refresh your memory : case # XXXX which involved XXXX XXXX and XXXX  and resulted with this company ceasing all collection activities against me ; case # XXXX which involved the law firm, XXXX XXXX XXXX XXXX and resulted in a Notice of Discontinuous that was filed in NY Supreme Court ; case # XXXX which involved the law firm, XXXX XXXX XXXX in which they claimed that the file was closed and left their office in XX/XX/XXXX.

However, I happened to check my credit score and decided to get my credit report. I found all this derogatory information on my credit report by American Education Services or AES/XXXX. On my credit report from XXXX in their comment section they claimed, " Transferred to recovery status updated XX/XX/XXXX. '' They also claimed that this account was first reported in XX/XX/XXXX meanwhile my account was opened on XX/XX/XXXX. My first initial payment to this company was on XX/XX/XXXX, My last payment to them was on XX/XX/XXXX. On my credit report from XXXX XXXX they claimed my last payment was on XX/XX/XXXX. Notice the difference of the last payment dates! In their remarks section they stated " Transferred to Recovery < > Unpaid balance charged off. '' Also this derogatory information is scheduled to come off my report in XX/XX/XXXX. However, this is the first of many derogatory complaints from this company XX/XX/XXXX, & XXXX. I will be filing separate complaints for each of them. I currently have disputes opened against them with XXXX XXXX and XXXX, I have to mail a request for a credit report with XXXX   because for some reason they would not allow me to get my credit report online. I do intend to file legal action against every last one of these companies.
They put lien on my home when they revive the amount is less there I had to pay I pay double.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX
Experian and XXXX  decline to correct their reports ... I have contacted the creditor, and I was told that they actually informed Experian and XXXX  of the inaccurate info ; yet they both will not remove the negative account ... and the creditor said Experian and XXXX  only recently contacted them ... However, I have disputed this account 3 or 4 times ... my rights and F.C.R.A. law is being violated ... Neither one of them will give me a document or name of so-called verifier of data, because he or she does not exist ... Yet XXXX  has removed the account ...

Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX  Company XXXX XXXX XXXX
Citi was advertising a XXXX bonus point promotion for the Citi Prestige card when I decided to sign up. The only requirements listed on the find print of the promotion were to ( 1 ) open a new Citi Prestige card and ( 2 ) not have opened a Citi card within the past 24 months. Accordingly, I closed my old Citi ThankYou Preferred card and opened a new Citi Prestige card, expecting to receive this promotion. After all, I had not opened a new Citi card within the past few years. 

However, I was told by customer service over the phone, ex post facto, that the transaction was a " conversion '' and that I did not qualify for the XXXX bonus points. There was nothing in the fine print about this, though, and I clearly satisfied the two requirements that Citi had set forth, so I send a secure message about this on XX/XX/XXXX, and received a generic denial of my request from " Account Specialist, South Dakota. '' I then demanded to have my message forwarded to a manager, but I was summarily ignored and sent a nearly identical generic denial from " Account Specialist, South Dakota. '' On XX/XX/XXXX, I sent a complaint to the BBB regarding the atrocious customer service representatives who refused to let me speak with their manager, and received a call from a representative of the corporate officers who repeated the exact same generic denial over the phone that I had received via message. 

On XX/XX/XXXX, I contacted XXXX XXXX of Citi cards in an attempt to reach a resolution. I was told that I had consented to all of the terms of converting my account ( which were rapidly listed off over the course of a phone call ) and that these terms allegedly indicated that I would not receive the bonus offer. I still think that this is a dishonest way to do business. No other bank has been so intransigent with regards to honoring a promotional offer.
Applied for auto loan at end of XX/XX/XXXX and received a letter on XX/XX/XXXX from XXXX XXXX explaining why i was rejected by them because of a report from XXXX XXXX XXXX. XXXX XXXX XXXX reported a credit score of XXXX for me while other reporters are showing XXXX ( XXXX ). I had not heard of this company " XXXX XXXX '' and do not feel comfortable sharing my social security number or other personal details to see their " report ''. I have tried to call them multiple times to dispute the false information but every time I am only able to reach a voicemail box. From what I have read online this company has done similar things to others, possibly to give banks a reason to charge higher interest rates. Please do something to get them to stop preying on people and help me get my credit restored.
These scammers have been calling me for about a month leaving the same voicemail saying " this is a call from united consumers calling about a debt collector, please call us at XXXX. '' The number says it 's from XXXX, VA. These people keep calling me constantly leaving the same voicemail. they use diffrent numbers each time. I have never once answered the phone. I want this to stop immediately! This is a huge obvious scam! 
These are the numbers they use : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
My mother had a reverse mortgage with Wells Fargo. I am her executor. I have spoken to Wells Fargo along the way and have always been told not to worry, there is plenty of time once she no longer lives in the house to sell or sign over to the bank, nothing happens immediately. She passed away on XXXX/XXXX/XXXX. Two days later, XXXX/XXXX/XXXX my husband was diagnosed with XXXX. So I was planning my mom 's funeral and dealing with my husband 's XXXX illness at the same time. I did not immediately or for a couple months contact Wells Fargo due to having so much on my plate. When I did, I never received a call back from the person listed in the letters as my contact. Then foreclosure was started. My attempt to deal with a live human being and actually get anywhere was met with countless minutes spent on hold, getting different answers, getting pushback on what was needed to get anywhere. I simply needed to know how much was owed Wells Fargo so I could decide if, based on comps I had obtained, I should place the property up for sale or sign it over to Wells Fargo. Based on their absolutely horrible customer service and living up to past promises, I feel I should be treated with respect in trying to determine the best course of action. Each call I made, I was of course given the disclosure that the calls were being recorded. Therefore I know there is proof of my attempts at resolving this situation without going all the way to foreclosure. I finally, out of desperation, got my mom 's attorney involved, which of course will cost the estate more in unnecessary charges. Surely there is some protection against this kind of behavior. I can assure you we did not walk away from the property and it has been maintained, association fees paid, etc. If I was applying for a mortgage I am sure I would be treated with utmost respect, but after losing my one remaining parent, dealing with that grief as well as my husband 's XXXX, I have been treated like America 's biggest flake. Today, XXXX/XXXX/XXXX, I am awaiting the payoff, which I have been promised through my attorney to receive by XXXX/XXXX/XXXX, so that I can make a reasonable decision on what to do next. I feel Wells Fargo is not acting in good faith, and should be made to correct their deplorable tactics in dealing with family members who have lost a love one, after that loved one was talked into the reverse mortgage with sugar dripping from the mouths of the Wells Fargo employees. I feel XXXX every time I get off the phone with them, which is why I finally asked my mother 's attorney to step in.
I transferred my student loans to Federal Loan Servicing XX/XX/2015 from XXXX. I had been previously enrolled in the IRB repayment plan and was part of the Public Service Loan forgiveness program. On transfer of my loans, Fed Loan Servicing did not count any of my payments made while on IRB ( 35 payments ) towards my Public Service Loan forgiveness. Its been 5 months, XXXX phone calls and XXXX forms sent and this issue STILL is not resolved. Furthermore, in XX/XX/XXXX, I reapplied online for my annual application to remain on IRB. They " did n't process this application '' and " I 'm not sure why not '' so my monthly payment just increased to FIVE TIMES my normal payment because my IRB term has expired. They estimate it will take 2 months to process the application they originally did n't process. Meanwhile, I can forgo my payments, which they assure me wo n't count against my loan forgiveness but to my understanding this absolutely CAN result in me losing my eligibility for loan forgiveness. In summary, Fed Loan Servicing has literally done NOTHING on my account in the last 6 months and I now will be paying them {$5000.00} more over the next 2 months and am missing 35 payments towards the 120 payments needed for loan forgiveness. They are awful. If there was ANY OTHER WAY to do this ( another company ), I 'd switch! But I 'm tied because of the Public Service Loan forgiveness program.