WillisBack/dataset-financial-user-claim huggingface dataset:
I mistakenly submitted and extra {$1000.00} in paying off my loan. That check along with my payoff check of {$3100.00} ( a {$3.00} over payment ) cleared my account on XX/XX/2018. I phoned XXXX XXXX XXXX at XXXX and spoke with a woman named XXXX. She acknowledged the payments/payoff and notified me that my over payment would be sent out after 45 days. After telling her this was not acceptable I asked to speak with a supervisor. I was transferred to XXXX XXXX, she told me that I would be paid in 21 business days, again not reasonable! I offered to send her copies of my cancelled checks and allow them to verify that the checks had cleared, she declined. I feel that XXXX XXXX XXXX is committing an unfair and deceptive act or practice, they do not outline any of their policies regarding this in their contract.
I have a loan thru XXXX XXXX in XXXX, MO. In XXXX, I notified the office that I had retained an attorney for bankruptcy. I have received 3 phone calls within the past 3 business days ( XX/XX/18, XX/XX/18 and XX/XX/18 ). I have continued to ask they contact my attorney ; however, they are not and are calling me.
XXXX  XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX  XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX  XXXX XXXX to XXXX XXXX.
I received an email with an advertisement. They promised a reward for using the card for transactions totalling at least {$150.00}. But I did not get the reward, despite spending more than {$250.00}. I called up the contact center. After being on the phone for close to an hour, I was told that they did not have a record of any such promotion. I feel it is a case of false advertising.
Preferred Collection and Management is trying to collect on a collection account that is not mine and I have no part of. I am asking that this matter be resolved immediately and the collection account be removed from my credit reports immediately.
DearStaff XXXX XXXX Dispute Adverse account. Civil suit dismissed XX/XX/XXXX. Deny outstanding debt. This Adverse account is affecting my eligibility for senior/elderly low income apartment. Appreciate your attention and service. Thank you.
My application for an apartment was denied by XXXX XXXX when i asked why, they forwarded a credit report they obtained from XXXX. The report shows multiple addresses ( 1 ) XXXX XXXX XXXX XXXX, XXXX TX.XXXX ( 2 ) XXXX XXXX XXXX XXXX , AK XXXX. 
( 3 ) XXXX XXXX XXXX XXXX XXXX, PA XXXX which is completely inaccurate.I have never lived or have any address outside the state of Oregon. 
Also, an opened Bank of America account with current balance of {$1800.00} in delinquency and over 90 days past due of {$430.00}. Surprisingly, I have never applied for any account or credit with Bank of America.This really got me worried and frustrated. It dawn on me that my information has been compromised and that I 'm a victim of an identity thief. I went junk mails received to date found letters from XXXX XXXX, and bank of america with ref # XXXX. I contacted XXXX and Bank of America disputing their report which is hurting me seriously, also filed a police report with case # XXXX.
We have been fighting with Citi Mortgage for over 7 years for a possible loan modification with no positive resolution. Citi Mortgage has denied me for a loan modification 12 times using an incorrect property value and rate of interest. Currently my home in a foreclosure with a foreclosure sale date scheduled for XX/XX/XXXX. Although we have re-submitted the request for the loan modification on XX/XX/XXXX. Based on an email from Citi Mortgage the single point of contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, indicated that " the file is with an Underwriter and at this moment no additional documents are needed. At this point in time, a decision has not been reached ''. 

Regretfully ; Citi Mortgage the Debt Collector, Servicer is ignoring the California State Law! The Homeowner Bill of Right 's dual-tracking provision Effective XX/XX/XXXX : Under the Homeowner Bill of Rights, if you submit a complete application for a foreclosure prevention alternative, the servicer/debt collector can't conduct a trustee 's foreclosure sale before it makes a decision to grant or deny the application. As per the California State Law, the servicer/ debt collector is required to state the specific reasons for the denial, and include a statement that " the borrower may obtain additional documentation supporting the denial decision by making a written request to the mortgage servicer ''
XXXX and Convergent Collection agency have filed false and inaccurate information about an alleged collection account on my credit report. 

I closed my account with XXXX in XXXX, having always paid my account in full, purchased my devices outright and having no further obligations or being subject to any Early Termination Fees ( ETFs ). When I requested that XXXX port my numbers to my new carrier, they initially refused to do so and claimed I owed ETFs. 

After scores of hours of phone calls, emails and faxing a copy of my contract to XXXXXXXX XXXX customer service and managers -- all over a several week period ; I finally filed complaints with WA State AG, FTC and BBB. Within days of my complaints, XXXX wrote to apologize for their " error '' and confirmed that I owed them nothing. They allowed the porting of our numbers to our new carrier, as required by law. 

I thought that was the end of it, until last week when I requested a copy of my credit report following the security breach at Equifax. It appears XXXX sold the non-existent debt to Convergent Debt Collectors, which then took the liberty of changing the date of last activity on the account from XXXX to XXXX. I believe Convergent has intentionally and knowingly filed a false and inaccurate report on my credit files ; the only negative item on an otherwise stellar credit report. 

Not only do they XXXX and XXXX XXXX know this is a non-existent debt, they have changed the date to XXXX in order to make it appear like a recent activity and have the maximum derogatory impact on my credit report ( which has typically been above XXXX as I am meticulous about paying all my bill on time ). This is not only damaging and infuriating, it has taken a substantial amount of my time and I am particularly disappointed in XXXX ( Convergent appears to be a bottom-feeder collection agency, so the expectations are substantially lower ).
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} Advance Bureau of Col - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}
I keep getting hit with hard inquires every week, I call the creditor they tell me to call a different company than that company tell me to call another and the last company has no answer why it 's happening. So my score is getting lower every week by same creditor, the creditor is called credit plus.
The caller from # XXXX stated he was with the law office handling the debt. The first call on XX/XX/2018 representative stated the debt and provided options of payments. I requested to have something in writing because i have not yet received any the information that he had stated. I looked on my credit report and there was nothing of this company. I checked online with the phone number and it has been reported as a scam and not a safe number. The caller then called back on XX/XX/2018 time of around XXXX using the same number, stated that he will dropping off documents to my employer because i refused to provide my address. He did not ask for my name he simply began speaking. I stated that he did not even ask whom he had been speaking to before stating this information, the caller/rep stated that he is the only person that answers his phone so i should be the only person that answers mine. The representative then stated during the conversation multiple times that i did not have any character, he then began to verbally assault my military character i asked him to please refrain from speaking of such and the caller continued. I asked the caller if the call was recorded and that he should not be saying the things he was saying. The caller then brought up other legal cases from my past and repeatedly stated i have no type of character and continued to talk badly about me as a person. I then stated that i would be seeking legal representation the representative then called me a liar. I then ended the call.
I have disputed a Chapter XXXX bankruptcy on my account with Equifax several times starting in XX/XX/2018 XX/XX/2018 and XX/XX/2018. I've asked them to verify and to reinvestigate this inaccurate tradeline on my credit report. Each time they've responded as it is verified. I requested verification of who they've spoke with, contact information of who verified and who was the original creditor and have not received any real evidence of this act. Equifax is not reporting 100 % accurately that this negative tradeline is mine. Each time they list a third party Credit Reporting Agency XXXX XXXX as the furnisher of this negative report. They are Violating FCRA laws by not reporting this information 100 % accurately. I sent a request to the Bankruptcy Court requesting of how they furnish or report this information and they stated that they do not report any information to any third party. I've enclosed the letter from the Courts, as well as the three dispute letters sent to Equifax and they're response. If they are getting this incorrect information from XXXX XXXX, why does my credit report shows the Bankruptcy Court as the furnisher and Not XXXX XXXX, furthermore why is the Court Stating that they don't report any information to any third party, but Equifax is allowed to do so using third parties as the furnisher, without any regard for the FCRA laws. I have frozen my report with XXXX XXXX and other Data Mining Companies as well as having it suppressed. I've included Letters from XXXX XXXX verifying the freeze dated XX/XX/2018 and Suppression of my file XX/XX/2018. I sent the 3rd dispute letter on XX/XX/2018 certified mail with an electronic receipt signed for by an Equifax representative on XX/XX/2018, see attachments.

A couple of days later I received a response from Equifax dated XX/XX/2018 verifying that the negative trade line was verified. An XXXX   computerized system used to verify, is not an accurate way to verify, especially if they are not checking with the Bankruptcy court. This adverse action is hurting me and preventing me from receiving the credit that I've worked hard to build over time, affecting my ability to get new credit. This negative tradeline is incorrect, they are Violating the FCRA laws. I want this negative trade line removed from my credit report. I am asking the CFPB to review all evidence that I've attached and enforce the federal laws that apply. I am wondering how is Equifax able to verify my information with XXXX XXXX if it is Frozen. They are not a Creditor or Collection Agency, or are they law enforcement that are by law able to see my report. I've added a copy of the Georgia Statement of Rights -- -I believe that Equifax is purposely violating this law, which is harming my Credit File and causing financial harm. I am pleading to the CFPB, for it's help in enforcing Consumer Laws. If this matter is not resolved with this complaint, I may have no choice but to Pursue Legal Actions Against Equifax for damages allowed for by the Credit Consumer Laws and the State of Georgia.
I have XXXX accounts reporting to my credit report from Receivable Management Group. I do not know what these accounts are for! I have sent letters requesting validation but I have not received anything from this company who has this false error on my credit report. I want this removed IMMEDIATELY! This is violation of the FCRA and the FDCPA. I have received nothing from this company showing what this erroneous mark on my credit is about. There are XXXX accounts for {$690.00} and {$680.00}. Please take a look into this companies practices.
We obtained some kind of " home collateral '' loan from XXXX many years ago, we knew the terms of the loan and we 've been paying religiously by automatic debit from our checking account since the last 10 years. Anyway the loan has been sold many times over but we normally get some kind of notice about the loan being sold. 
Well this time the loan was sold from XXXX ( XXXX Customer Service Phone XXXX ) to REAL TIME RESOLUTIONS which it seems to be a debt collector.Real Time Resolutions, IncXXXX XXXX XXXX XXXX, TX, XXXX Phone. XXXX The thing here is nobody ever let us know about this, and it looks like we have a loan with a debt collection agency Real Time Resolutions and we do n't like that. 

Banking and financial regulations need be stronger in this country, the consumer always suffers. 

In any case I consulting my attorney to see the steps to take.
I work during the day of which is when General Service Bureau calls sometimes they leave an automated message on my cell phone other times they do not. The one time I answered I asked that they not call before XXXX XXXX. because I am working. They then turned around and called my work number and I informed them not to call me at work that I could not accept calls like this at work. Today XX/XX/18 they called my cell phone at XXXX of which I can not answer while I am at work. They then turned around and called my work phone of which I did answer. When I said " This is Doe '' they hung up. This is not acceptable. I have tried calling them back but I do not get any kind of an answer. I don't leave messages since I work and they can't call so I keep trying to find out why they are calling.
XXXX XXXX XX/XX/XXXX ... .. {$390.00} ... .Please send me original paperwork from parent company that I allegedly signed. 

XXXX , XXXX XX/XX/XXXX .... {$430.00} ... Please send me original paperwork from parent company that I allegedly signed ... 

XXXX XXXX XXXX ... .XX/XX/XXXX .... {$590.00} ... .Please send me original paperwork from parent company that I allegedly signed ... 

I contacted all of these agencies and asked for them to send me original paperwork from the parent company that I allegedly signed and they all said that is not the law and either I pay or they will take me to court. I replied, if you can send me the paperwork from the original company where i allegedly signed I will pay this debt. They all replied that's not the law and the don't have to do that ... .One of them even replied they were going to garnish my military XXXX check ... and told me to be prepared for a lawsuit. Then hung up on me. I served my country, I just want what is right. I am a XXXX Vet ( XXXX ) ... and all of this is beginning to be tough. Please remove all from my credit report Attached is copies of my Identification
In a recently closed refinance, the lender ( US Bank ) disbursed roughly 23 % less funds than the final HUD lists in box XXXX ( Total Disbursements to Borrower ). I called US Bank as soon as I saw the shortage of disbursed funds and their explanation was that the it was noticed after the loan closing and signing that the originator obtained an incorrect payoff amount and I should understand that human error happens. The change in structure of the financing took place after all final documents were signed, the changes were not disclosed to me, and I was not given an opportunity to exercise my right to cancel if the changes would have been disclosed to me.
Never received bill. First and only purchase in XXXX 2015. Until i called recently to ask a question. They told me account is closed due to non payment.
I can not get my free reports online because the verification process keeps failing. I know there is fraudulent accounts negatively affecting my credit and I am certain it is due to identity theft by my biological father who shares the same first and last name as me and would be the most likely to have information on me such as my SSN, phone numbers, addresses, family members names and addresses, my birthdate, etc. the only difference in our names is the middle initial. The verifications ask about property being owned in states that I have never been to but that he has not only resided in but has been locked up in and is a convicted felon in with a lengthy criminal record to prove it. The questions also mention the names of several woman that he has been married to. He is currently in an XXXX State Penitentiary and public records can confirm that. Other questions did mention city 's that I have lived in and addresses that I 've lived at and belong to close relatives such as my mother and grandmother which is information that he definitely has as well seeing as how my grandmother has lived at the same address since my parents were kids in high school and my father lived with them once upon a time. How do I fix this? I am XXXX years old with a fianc* and XXXX young girls that I want nothing but the best for, and because of the bad credit associated with my name, I ca n't get a loan for anything at all so I can really get my life started. I have only XXXX vehicle that ca n't even seat my whole family at once and is not reliable by any means, as well as a house that is not suitable for anyone to have to live in due to its age and outdated structure, piping, and electrical system. It 's truly a death trap. But until my credit gets to looking much better, my chances of getting a mortgage and auto loan are impossible.
A debt that was confirmed not to be mine in XXXX has once again been resurrected. XXXX XXXX contacted me numerous time threatening to take this action to court as well as " ruin my credit '' if I did not pay the balance as well as interest since XXXX!
Dear Credit Reporting Agency, Please provide evidence that XXXX XXXX XXXX account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
On XXXX XXXX 2017 a medical debt has been placed on my credit report. I have contacted the company and they are not understanding the 180 days before medical bills can be place on a credit file. Since it has not been 180 days I would like this removed from my credit report. I have contacted my insurance company and they working to fix the issue. The bill should have been paid by my insurnace. Please removed this from my credit report. 
Thank You, XXXX
This company ( XXXX  XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$5200.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I have disputed the information you listed on my report : XXXX XXXX XXXX - Account # XXXX : Unverified account XXXX XXXX AUTO XXXX - Account # XXXX : I have never paid this account late. 
XXXX POLICE FCU - Account # XXXX : Unverified Account My personal information has been reported wrong : - I have never known by these names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
I bought a XXXX XXXX XXXX XXXX from XXXX XXXX Bridgecrest on XX/XX/XXXX for XXXX Plus I also added three extra services because it was used, and I wanted to make sure it was covered in case of a breakdown, loss, damaged, or totaled. So I paid XXXX for Gap, and XXXX for motion Gps and, XXXX for XXXX XXXX coverage for maintance issues. will on XX/XX/XXXX I was in a auto accident, and the car was deemed a total loss. I was rushed to XXXX XXXX at XXXX in XXXX XXXX for a XXXX XXXX, and was in XXXX. I filed a claim, and the insurnace and, Bridegcreast agreed to a settlement amount of XXXX My insurance sent a check in XXXX and, another in XXXX. Gap also applied XXXX and, I had made payments in the amount of XXXX. I never did get a refund on my warrantys even after I canceled them acording to XXXX it was applied to my balance. The car was only XXXX dollars, I only had the car nine months. Bridgecrest charged off my account, even after they got over XXXX. That is odd because they got payments in XXXX XXXX XXXX. I spoke to XXXX from Bridgecrest on XX/XX/XXXX and, he told me that the account was paid and, that they report to the credit companys at the end of the month, and it would say paid. I am being charged interst on a car I only had for nine months. They basicly got almost the full contract as, if I had the car for the full 65 month term. This is wrong. This account should not be charged off as, they where getting payments from the insurance companys that I paid for those inruances to cover things like this. It should count as, payments that I made. the car was a XXXX car that I had for only nine months but yet Bridecrest got basicly XXXX and is still trying to claim I owe XXXX they reported it to my credit reports all three. so in fact they are trying to get the full interest for the full 65 months, and the prinpicle balance, when I should only be charged interest for the time I had the car which was only nine months, its a simple interest contract, and you got payments in XXXX XXXX XXXX XXXX I should have only been 30 days late for XXXX. I also want to add that even after I signed the car over I still made payments to the lien holder. I was in XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX I told Bridgecrest this, but they did not care.
XX/XX/XXXX, I went to XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) for my chipped teeth. It was the only XXXX I was able to find open ( Sunday ) and I had XXXX done for which I paid for up front the same day for the amount of {$1000.00}. The dentist quoted me around {$3000.00} for me to come back and have the actual full procedures completed for my teeth and I decided not to because I was going to have it done in XXXX where I have insurance. 
Recently, after 2 years from my visit to XXXX, I receive a call from their office stating that I owe them the {$3000.00} for the procedure which I never received from them. I asked them to provide evidence/any documentation to prove this and they never did. They stopped calling. I recently found out that they placed me in collections XX/XX/XXXX, but contacted me in XX/XX/XXXX for the first time asking that I still owe them. From reading reviews, this seemed to have happened before to other patients as well. I do not know how this place is still in operation.