WillisBack/dataset-financial-user-claim huggingface dataset:
I checked my credit with all 3 credit bureaus and this debt is not mines. I have never lived at the address that the company is trying to collect on me. This debt is very damaging to my credit and I have no knowledge of this.
I received a collection notice from Transworld Systems. I have attempted to contact them via the indicated phone number on the notice for five days. I continue to receive a voicemail message. I have left two messages, which have not been returned.
I received a call, yesterday, from a representative, XXXX, from Capital One Auto Finance. She proceeded to ask personal information so I could verify the account. I am currently awaiting the title on a loan payoff and my ex husband has been trying to get information. After I verified the information, as my account has a block on it since XXXX XXXX, 2015, I asked if my ex has been trying to get information. At that time, XXXX informed me that my ex, XXXX XXXX, was on the line with us. I was furious that this representative had allowed my personal information and block information to be available to XXXX XXXX. I ended the call and proceeded to call COAF and request to speak with a manager. After nearly an hour of waiting, and several calls ( after being disconnected ), I was able to speak with XXXX, a representative in the " President 's Office '' department. She was apologetic, after reading file where clearly states that XXXX XXXX is to be blocked from any and all information. She said she would listen to call and get back to me. XXXX called at the time she promised. She was upset that the representative had done exactly as I had said. She also listened to a few of prior calls, starting with call on XXXX/XXXX/15 where I put the block on the account. She noted that XXXX XXXX had tried several times to gain information and was denied. She was unsure why XXXX had given the information out. 
I was extremely agitated and full of anxiety. There is a history of violence with XXXX XXXX and my information was private for a reason. 
I obtained the information to write a letter, XXXX XXXX, President, at above referenced address. 
The representatives I spoke with are XXXX-ID # XXXX, XXXX, ID # XXXX, and XXXX, ID # XXXX. 
It was necessary for me to contact my medical doctor for instructions on medication to calm me down. I am, still, this morning, quite anxious and in fear. 
I have filed this complaint with the FDIC and I will take further action in contacting NJ Division of Banking and Insurance ( XXXX ) and an attorney. 
Thank you, XXXX XXXX XXXX
in 2014, Midland Credit Management alleged that I had a debt from XXXX. After filing a lawsuit against them, they determine that I, in fact, did not owe the debt. The debt was removed from my credit report. 

Last week, I received a letter from the IRS stating that Midland reported that I had received {$4500.00} from them ( reported on a XXXX ). I NEVER received any funds from Midland nor did I receive this clearly fraudulent XXXX. Now the IRS is stating I owe them back taxes for this amount ( I am contesting this with the IRS directly at this time ). 

Once again, Midland is causing me financial hardship, first on a debt that was never mine ( which they ADMITTED by closing the account and deleting it from my credit report ) and now, two years later, by reporting I received an income from them which never happened. 

I called their customer service center and spoke with XXXX XXXX, employee ID XXXX, and he stated that he has no record of them sending me {$4500.00} and that there is no record of them sending me, or the IRS, a XXXX. When I asked for a letter confirming this info, he said they can not send me one because I previously sued them. 

I have worked REALLY hard to rebuild my credit and Midland is once again damaging my livelihood. They are dishonest and need to be stopped from hurting other consumers.
This is a complaint against XXXX XXXX INQUIRY DATE : XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
I received a letter from a collection agency ; XXXX XXXX. They say that I was placed into collections for a medical bill from the XXXX hospital. Right away I was confused because I have not been to XXXX in ten years or that hospital ever in my life. XXXX hospital never sent me any bills or notices saying anything. I live 80 miles away from XXXX also. The bill XXXX XXXX sent me was in a name I did not go by at the time they are saying the bill was made. Also I made a BBB complaint against XXXX hospital and they first said this is a mistake and now they are saying they have my signature and ID but are not producing any of this information to me. You know why? They do not have it that 's why. What they do have that blows my mind is my social security number and my old name and old address which leads me to believe that someone from this hospital stole my identity. For the record I have been on XXXX even at the time this bogus bill was created so why would I have any medical bills in the first place? It 's common sense these people are not right they are covering up their misconduct.
Over the past few days I have been involved with my credit report and noticed that there was a collection on my report that I am not aware of. I called the original creditor to get more information on this debt, and the information that was provided was not accurate. I also looked up the creditor online and noticed that this creditor is located in XXXX  FL, where I have never been. I also noticed that this hospital debt is a HIPPA violation even if the debt does not belong to me. I have never been to XXXX XXXX XXXX  nor do I owe XXXX XXXX XXXX any debts.
The XXXX XXXX Add that i have attached below is a major violation of deceptive advertising, and in addition to this a violation of Fair Housing Laws. The add clearly states if you use Keller Mortgage it is more affordable. They can not make that claim, and the mortgage I was offering a client that was given this add was more affordable than the mortgage they were offering. Also XXXX XXXX clients are being forced to sign a piece of paper that more or less says they are aware that if they use Keller Mortgage for financing they would save money, but they are choosing not to. This is a violation on so many levels. In addition to this, they only offer this incentive to homebuyers of homes in excess of {$150000.00} which creates a fair housing violation, as they are not offering the same incentive to low & Moderate income buyers. It very well may also create disparate impact to minorities because a large portion of minorities in my area fall into the low to moderate income category and thus may not qualify for a home over {$150000.00} due to their income. the add I have attached is just one example of the XXXX XXXX and Keller Mortgages 's blatant disregard to mortgage laws relating to Deceptive Advertising, and Fair Housing violations. From their current business practices i.e. only offering their incentives to people that can afford a home over 150k and the documents they are having their clients sign which are corrosive at best,, to the blatant deceptive advertising. It is shocking, and the worst i have seen since the sub prime days. Companies have paid billions in files for far less than what Keller Mortgage, and XXXX XXXX are up to right now.
I owe a balance to  XXXX   XXXX , it took months to send payment because I usually wait until my insurance kicks in before paying. Well, I waited too long and the outstanding balance went to Receivables Management Systems  (   XXXX , VA company ), where they billed me {$40.00} fee. I paid the amount due to  XXXX   XXXX  ; however I do n't see how the {$40.00} is rightful ( or even lawful ) to charge. The {$40.00} collection fee was billed to me, so that means I 'm paying  XXXX  to collect from me? That does n't make sense. The {$40.00} should be charged to  XXXX   XXXX , since they hired  XXXX . Also,  XXXX  is billing interest. I did n't sign consent to be billed the fee or to collect interest. Who give  XXXX  the right to do ( and collect  )  anything they want? I did not sign this agreement with  XXXX .  <P/> The attached document is an old copy. The {$110.00} has been paid.
This is a 3rd party debt collector, attempting to collect off a discharged, or closed account ... the original Creditor, was XXXX XXXX, when fraudulently opened in XX/XX/XXXX, in XX/XX/XXXX I sent a letter and repeated calls to XXXX that this account was not opened by myself, they closed it in XX/XX/XXXX, XXXX XXXX bank then attempted to add fees on a closed account, originally a XXXX dollar line of credit ... in the excess of XXXX dollars, so far. in XX/XX/XXXX I filed in court and notified them of a court date, they did not appear ... debt was removed, and XXXX XXXX removed it from my credit reporting file, on XX/XX/XXXX I received a letter form the Collection company XXXX, and repeated phone calls of harassment, on my JOb phone number, I am fed up of this, I am also enclosing the cease and desist letter I sent them ..thank you
XX/XX/XXXX I received a collection notice from Transworld Systems Inc. attempting to collect a debt from a creditor named XXXX XXXX. Upon contacting Transworld Systems Inc . I learned that XXXX XXXX is an anesthesiologist group. On XX/XX/XXXX I had a XXXX at a facility that was approved by XXXX XXXX. This medical procedure is covered XXXX % with our company 's medical plan. I was never notified of any outstanding balances from any doctors, labs or the facility until this collection letter on XX/XX/XXXX. When I contacted the agent for XXXX XXXX she stated that XXXX XXXX was not on XXXX XXXX approved list. XX/XX/XXXX I contacted the Dr. 's office and was told by the insurance person that it was n't their responsibility to check to see if the XXXX is on an approved insurance list. She also stated she has received approx. XXXX calls relating to these collection letters. During her attempts to contact XXXX XXXX she found out that this company went bankrupt therefore all telephone # 's were disconnected and that Transworld Systems Inc. refused to disclose any information to the Dr 's office. In the remarks column on my claims & statements from XXXX XXXX it states " SERVICE NOT COVERED NO AUTH - PROVIDER RESPONSIBILITY. Prior to my procedure the Dr 's office assured me that my procedure was covered by XXXX XXXX as well as their facility and Dr 's. I do not believe it is the patients responsibility to have to further check to see if anyone or anything else is n't covered. Another factor that I noticed is that the amount Transworld Systems Inc. is attempting to collect is {$530.00}. The actual unpaid bill that was submitted to XXXX XXXX was for {$510.00} discounted to {$240.00} with the member discount. The {$530.00} is not my responsibility nor do I intend to pay it. If I had this procedure done at a hospital it would not be up to me to check out if each medical dr. or lab is covered by my health insurance. The hospital submits the insurance information and gets the approval to go forward with all procedures.
American Express has changed my promotional 0 % APR to the 29.49 % penalty APR, claiming that a payment by my bank was returned unpaid. However, my bank tells me that this payment was fully honored by them. As a result of Amex 's actions, I have been charged {$54.00} in illicit interest ( in addition to what may be charged on the XX/XX/XXXX statement ), and my {$5.00} payment was not properly applied to my account. American Express customer service representatives have been unable or unwilling to research the issue.
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX  XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is  complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
I previously was the owner of a property and had a mortgage with Fay Servicing , LLC. In XXXX, XXXX I was granted a Consent Judgement of Foreclosure. I submitted this court document with a letter to the mortgage company in XXXX, XXXX. The company Fay Servicing LLC has continue to report negative information to the credit bureaus up to XXXX XXXX, XXXX. Due to this negative credit reporting, I have been denied a PLUS loan to pay for my child 's college education. I have contacted Fay Servicing LLC to request the negative reporting to stop and for them to send me a letter indicating my current account status which is closed. They will not provide me this information so I can appeal my loan denial.
I applied for refinancing on XX/XX/XXXX and by mistake, entered my income incorrectly on the application. The next day I received an email advising this, so per the instructions, I replied to the email with the correct income amount so the SAME app could be re-reviewed. Today I get notification that Openroad processed inquiries on my credit on XX/XX/XXXX and XX/XX/XXXX! You cant give me two hard inquiries for the same app # XXXX. 

Please remove the additional inquiry and confirm once completed. The email sent to me about my income NEVER indicated my credit would be pulled again. Why would you need to if you only needed to verify my income? DELETE THE INQUIRY.
Call 3 to 4 times a day. Does not leave messages wo n't send me anything to verify debt. None stop harassment.
Fraud inquiries on credit report Experian Also XXXX account that is inaccurate and not mine as well
Back in XX/XX/2017 I went to an urgent care facility, and used my insurance. 

I got a bill/credit notice in the mail for $ XXXX saying that was my portion due. Well, according to my insurance company ( XXXX  ), I shouldn't have any outstanding balance as I was covered. 

When I called Amcol about the amount that hit my credit report they told me it was an unpaid hospital bill. Once I pulled the information out of them of who the original creditor was, I called their billing department and they were less than helpful. 

They said it doesn't matter what XXXX paid, that I was still responsible for the remaining balance. When I asked them to hold so that I could three-way my insurance company on the phone so that we could all get on the same page she told me she wouldn't be placed on hold and would hang up if I tried to do so. 

This amount being reported is INCORRECT, as my insurance has already paid their portion and I shouldn't be subject to pay anything additionally. 

Since this was an urgent care visit they informed me that the hospital bill was paid but that it was actually the physician who I still owed money too. So essentially it's 2 separate bills. The one that Amocol is reporting however is the hospital bill under " XXXX XXXX XXXX '' and that one is  actually paid according to everyone 's standards. 

I'm just asking that this be removed from my credit. I have an EOB from XXXX stating that my portion in this matter is {$0.00}.
I received a call from a collector named XXXX from XXXX. 

Stated was CS supervisor calling back to assist. 

This call is recorded, she simply harassed me when I was explaining my concern over figures from an bill XXXX-XXXX-2018 ; she began to say I was past due, which I am not. 

when I asked her to review the numbers she became argumentative- this is great fro a boiler room collector ; but, not to great when trying to resolve a problem with a number that the customer is confused with.
Our mortgage is with Ditech and includes an impound account. We received a Cancellation Notice from XXXX XXXX stating that payment had not been received. I contacted XXXX around XX/XX/XXXX and they informed me they had changed underwriters for our policy and they would promptly generate a new bill to send to Ditech. Ditech sent me another letter XX/XX/XXXX stating payment not paid. Again I called XXXX and they said the billing had been sent. 
Ditech has a balance of {$1900.00} in our impound account ; they owe XXXX {$1200.00}. 

They should be communicating with each other, not me. I am obligated to pay into an Escrow/impound account for the first five years of this account of which I have no control.
On XX/XX/2019 my cell phone number with XXXX was ported out without my authorization and the fraudster was able to gain access to my XXXX account and all accounts linked to the XXXX. The fraudster got access to my bank account and credit card accounts. My checking account with XXXX, BOA credit card account and XXXX XXXX credit card were all compromised. My checking account is with XXXX XXXX  and they were able to stop the fraudulent transaction as they did not recognize the transfer the fraudster was processing. Next day I was able to close my old account and open a new account with XXXX. The night of the fraud I also reported the identify theft to XXXX  and the next day set a freeze to my credit for all three credit bureaus. XXXX XXXX was able to cancel my card and reissue me a new XXXX. BOA was aware of the fraud, contacted me and once i verified it was fraud, cancelled and replaced my credit card. They issued a temporary credit to the account while investigating the charges. In less then a month of investigation, BOA decided that it was not fraudulent and charged it back to my credit card. The two charges that occurred were processed in Florida. I am a resident of California and the day the fraud occurred, I was in California and the CC was in my possession the entire time ( I have evidences to support this ). After I realized that the fraud dispute was charged back to my account I called and spoke to a representative who advised me that at that stage they really cant do much as a decision has been determined. No formal communication was sent to me on the results of the investigation before the card was charged back. I received a letter a week later in the mail to confirm that they determined the transactions were not fraudulent ( total of {$1000.00} ). The representative handed me the fax number to which I could submit my dispute and the postal POBox address I could send the information. At this point I have two fraudulent charges on my credit card that I did not authorize nor charge. In addition, when this incident occurred, BOA reduced my credit limit to the balance on the account as such, now I have charges over my credit card limit which will incur additional fee. BOA has not been forthcoming on how they determined this not to be fraud and has not reached out to me to assist me with this dispute. I have tried to resolve this with them but have not been successful. I do not believe I should be held responsible for a charge that I did not authorize.
A couple months back I took out a {$1100.00} loan from XXXX. Since then, over {$3000.00} in payments have been made to the company. I know have a balance of {$1800.00} due to 2 returned payments and their interest rate of over 700 %. I called to see if a settlement on the loan can be made, although I paid beyond the principal balance and they are an illegal entity. They denied any option of a settlement. 

- XXXX XXXX
On XXXX XXXX XXXXXXXX AND XXXX XXXX WAS REMOVED FROM MY CREDIT REPORT. NOW AS OF XXXX/XXXX/2017, THEY WERE PUT BACK WITHOUT NOTICE FROM EQUIFAX
West Asset Management contacted me today via phone, a XXXX XXXX proceeded to read to me my personal information and wanted me to verify it without explaining why she was calling, who she was calling about etc. I called them back to ascertain the reason for calling and was sent back to XXXX XXXX XXXX. She started the process again ; I said I will not give you any of my personal information without you telling me why you are calling. She said I can not do that until I have your information, i.e. my personal information. Phishing is an illegal activity, and not one I will be party too.
I canceled my mother 's cable account last XXXX, since she is ill and has moved in with me. Her monthly bill was approximately XXXX and was paid up to date. I received a bill from a collection agency on behalf of XXXX for {$440.00}. I contacted them twice to dispute the bill and never heard from them. I was then sent a notice from Sunrise Credit Services. I again disputed the bill. Sunrise Credit Service sent me a statement from XXXX dated XXXX of 2015. The service was cancelled in XXXX of 2015 and the house was rented out in XXXX of 2015.
Caller ID says call is from " Unavailable '' and says call is coming from XXXX. Voice mail says recorded voice is calling from United Collection Bureau Inc. Does n't say who they are calling or what they are calling about. Asks that I call XXXX. I have no debts, I ignored the call. Call came at XXXX XXXX XXXX, 2016.
I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my l ast 4 ss #  on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks
RAUSCHENBERG, STURM, ISRAEL, ENERSON & Hornik LLP Is trying to collect a Debt that was settled with XXXX XXXX XXXX XX/XX/XXXX For XXXX Card XXXX XXXX XXXX Ive give information that debt was settled
XX/XX/XXXX - Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' - Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' - Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from midXX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' - The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. ''