WillisBack/dataset-financial-user-claim huggingface dataset:
I have not received any written notification of this debt by CMRE. I i was called about a debt in XXXX of which i made payment in good faith & requested Dr 's information or the clients they represent, however i have not received any receipt of that payment or any other payment reminders or even details how this debt was accrued. 

i never got a bill from any doctor neither do i remember receiving any information neither by call or in writing from CMRE, this was only brought to my attention, when it appeared on my credit. 

i am in the process of purchasing a home and attempted to pay them {$100.00} though i already mentioned this was mistaken identity. 

they threaten to put this on my credit if i did not pay, so i paid them just to avoid any discrepancy on my credit. 

well come to find out they reported falsely to my credit and have engaged in XXXX style tactics, threatening and harassing me since i made my first call to them.. 

i need justice and a refund, they should delete this from my record and provide the Dr or Hospital details that gave them my information, so they can be sued. 

falsely reporting to my credit has caused me great financial loss and i am in the process of losing the Ernest deposit i made.
XXXX collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.
National Credit Adj keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly.

I have been disputing with The credit bureaus XXXX and XXXX and they have yet to prove that this is mine. XXXX XXXX   IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted
i have a number of inquries on my credit report that i did not authorize at all, i have not been in need of a car, nor credit card nor anything else for that matter im not sure how these things keep poppong up but it is really bad, i have never had XXXX and it shows on my credit report i really need help
I have been disputing XXXX accounts : XXXX & XXXX and XXXX for over XXXX months and have n't received any fair help. The job of the credit agencies is to report only XXXX % factual and verified data. 

I have contacted both companies and informed them of my intent to sue if they do not remove these accounts. 
XXXX does n't belong to me at all, they have the account under a males name ( XXXX ) which is n't me, they wont provide me any documentation, no nothing pertaining to this account so why do they have the right to list it on my credit report and harm me?! 
XXXX has not validated the debt after me sending several debt validation letters, they wont provide me their license number to see if they are even legally able to do business in my state, and they too wont abide by the FCRA rules.
XXXX  My issue with XXXX  showing on my credit file that I owe money in which I have a letter saying there is no money owed. XXXX tells me that I owe {$770.00}. I want this resolved with this balance. I'm not at all happy with XXXX and it has made me not like or would ever buy the product ever again in life. 

This matter needs to be resolved I'm not interested in no contract been mailed I want to stick to the issue at hand. I also notice that I can never get an answer to what the {$770.00} it's always pertaining to the issue. No where on my letter from XXXX XXXX   owed that it states {$770.00} in any manner of a debt owed or anything else. 

I have also spoke to an attorney regarding the matter and he explain to me its in correct
I paid off my mortgage ( serviced by Seterus ) in XXXX XXXX and called Seterus on XXXX/XXXX/XXXX asking when I would receive my XXXX form so that I could file my tax return. I was told that it showed that it was mailed around XXXX/XXXX/XXXX and that I should wait a week before I call again, in case I receive it. I did not receive it, so I called back on XXXX/XXXX/XXXX. They stated that it was sent, but they ca n't request a re-mailing/re-sending from their other unit until XXXX/XXXX/XXXX ( their procedures, they said ). They also noted that the mailing address was a XXXX , and wanted to confirm that with me. I said no, the mailing address is and has been the same address as the mortgaged property ( the house I 've been living in for 13 years ). They looked in their records and could not state why my address was changed in their system, but that they would correct it immediately. I told them that I would like to do my taxes, and ca n't without this info. They provided me with the info over the phone, but I informed them that the interest amount ca n't be right because my last statement from them ( XXXX XXXX ) showed an even greater amount. The Customer Service person calculated the numbers again and agreed. They said they would have my XXXX recalculated and send me another one to the correct address. I called back on XXXX/XXXX/XXXX and asked where my XXXX statement was. They said that they mailed it, but it appears it went to a XXXX address again, and said that the system must not have updated on XXXX/XXXX/XXXX when they corrected it ( their internal notes note that the address was corrected on that date ). The verbally told me the corrected XXXX amount, but I also asked that I need something " hard '', and e-mail or a fax of the XXXX so that I can be confident in filing my taxes. They said they ca n't do that. I asked the Customer Service person to please speak with her supervisior to make sure there is n't anything they could do. She said that her supervisor told her that their procedures do not allow me receiving the XXXX via fax or e-mail, and that because I no longer have loan servicing with them, I ca n't access my account on-line. I reiterated my circumstances and asked if they could at least reinstate my on-line account access. The answer was no. I asked them if they would want me to report this to the Consumer Financial Protection Bureau. The customer service person said her supervisor said 'sorry, but that is our procedures. '
The state of Missouri by mistake filed a tax lien against me in XXXX Co Mo. I contacted the state and they sent a letter of expungement to XXXX co who took it off their records. I have contacted trans union at least 6 times and filed disputes. They just drop them for no reason and leave the info on credit report which makes it impossible to get a real estate loan. I '' ve given them all the infor and sent them a copy of the letter of expungemnt but they just wo n't get my credit report fixed
I am in rehab for the entire amount of my federal student loans with a collection agency. Another collection agency has garnished my wages. I am not sure if they are included in the rehab or not, but Allied is unwilling to work with me to eliminate the garnishment. They say I must pay an additional amount, every month, in addition to the garnishment and what I am paying on my rehab if I want any relief. I know some relief must be available other than further XXXX my finances, but they have been rude and unwilling to work with me.
I have sent letters to all  XXXX  credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in  XXXX  of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all   XXXX   bureaus refuse to remove the unauthorized hard inquires on my report.
I HAVE A ACCOUNT FROM UNIVERSAL RE ACCOUNT NUMBER XXXX BALANCE IS {$150.00} I DO NOT OWE THIS COMPANY ANY MONEY, IM REQUESTING A DEBT VALIDATION
These charges related to my XXXX that took place on XXXX XXXX have been, for the most part, written off as XXXX who I settled my hospital dept of {$10000.00} for {$270.00}. 
The reason being XXXX fold. The first reason is that I have a witness, who drove me to my XXXX that day that the hospital representative said my insurance would cover 100 % of my costs related to my XXXX. Later, I was notified that my insurance would not cover it. 
Also, I am currently retired and only receiving {$860.00} per month to live on, with not a cent left over.
Received a debt collections letter dated XX/XX/2018 from XXXX XXXX XXXX stating I owe XXXX XXXX. I dont have a XXXX account and have never used XXXX. I contacted XXXX on XX/XX/2018 who confirmed I do not owe them money.
While checking my credit report I noticed credit inquiries that I did not authorize made by the following companies :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Being  that I d id not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting A ct Section 1681b ( c )   and a serious breach of my privacy rights.
I was contacted at my place of work, on a company-owned phone, in a threatening manner regarding an old debt. The caller ( according to their recording when I called for the company name because they wouldn't tell me when I was speaking with them.. ) was XXXX XXXX XXXX . I asked the person on their end to not call my work again, and was told he would remove my employers number from his list of contact numbers but only after I gave him another number. I was threatened with a lawsuit, and talked at in a demeaning manner. My day was ruined and my company has told me I will be punished if I am to keep having debtors call my place of work. This needs to stop! I could lose my job because of these sick poachers of debt who pray on those who can barely afford to eat and harass them. Please help me..
XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX issued a loan to cover XXXX  care that was supposed to be interest free until a date, giving time to repay the entire amount before interest accrued. A payment was due on XX/XX/XXXX which was missed due to personal emergency ; an additional {$200.00} was added to the amount cited on the pay-by-phone account information call of {$2200.00} on XX/XX/XXXX bringing the outstanding balance to {$2400.00} -- that's an additional charge of {$200.00} accrued as of XX/XX/XXXX. It took 30 minutes to get through to a person at a call center in the XXXX who would/could not help but kept repeating the same sentence. This is usury and the CFPB is supposed to be protecting us ordinary citizens against these usurious practices. This bank needs to be investigated and regulated and punished for charging usurious rates of interest.
Traded in a XXXX XXXX financed through peak acceptance and purchased a new vehicle financed through XXXX XXXX. XXXX XXXX   paid of remainder of loan to Peak Acceptance but Peak Acceptance failed to process last payment in a excessive amount of time then noted my last payment as 30 days late on 3 credit bureaus.
My report seems to have several new hard inquiries from XXXX XXXX and XXXX that I never authorized ( and most are from companies I 've never heard of ). Additionally I 've been associated with XXXX new employers as of XXXX XXXX and that is incorrect as well.
I have never missed a credit card payment an have an excellent FICO score, so imagine my surprise when I received an email notifying me that my XXXX payment had not been received by Target. I paid that bill on time, mailed it with a return address label along with several other pieces of mail, many days before the bill due date. The other mailed items all got to their destinations and I am sure Target got mine. I have no idea how it was lost. I called the XXXX number and was told by your rep that the only way to avoid the {$26.00} in service charges was to pay by check immediately. I gave him my information and told him I did not want it saved in the system. He told me that was not possible. That is outrageous given that Target has already been hacked. I want that information removed immediately. I contacted Target through their online contact us and got a response explaining that my information was secure and they again refused to remove it. This is not satisfactory. I believe that Target should not be allowed to save that information against my wishes.
HiI previously lived in XXXX, XXXX and at the time of move to XXXX ( 2008 ), I opened a Bank of America account to make use of their national branches. I opened the account at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I was provided a checkbook obviously with a routing number and account number. I used that routing number since 2008. In XXXX of this year I ran out of checks with my account and requested a new checkbook through Bank of America 's website. Unbeknownst to me ( without any notice ) Bank of America changed my routing number. Around the same time, I filed my taxes with a firm that filed my taxes last year. They used my routing number and account number they had on file. My check with the IRS bounced since the IRS was using the " old '' and now expired routing number. Also, my refund with the State of Virginia was deposited into my account also because of the routing number error. I contacted Bank of America to alert them to this matter but have not yet received a satisfactory response. I subsequently sent a check to the IRS and am in the process of clarifying the error with State of Virginia. I have also updated as many e-check/auto payments as I can remember but I am concerned that checks/electronic payments that I have not yet updated will bounce. Bank of America has not provided me with any set of procedures or accounting for payments that do not get processed as a result of the change of routing number. I am concerned about my credit and not honoring payments as well as not receiving payments, such as the State of Virginia tax return.
All activities occurring between XX/XX/2018 to XX/XX/2018 on my business credit card account are fraudulent activities. 

I informed Citibank of the fraudulent activities as soon as they were noted on XX/XX/18, prior to several of the transactions posting to the account allowing enough time for Citibank to freeze the account but they did not. 

I contacted Citibank on numerous occasions over the phone in regards to the fraudulent activities as well as talked on the phone with a representative from Citibank, the car rental company posting a charge, XXXX, and this charge was reversed but I was never given any information as to why it was reversed. 

Citibank reversed several other charges that was disputed during this time period, but would not reverse other charges that occurred during the same time period. 

I have requested on more than one occasion that Citibank provide me with all the details of their investigation into this matter including the phone conversation regarding a car rental transaction that Citibank later stated was fraudulent, all discovery and any information that they obtained during their investigation. They will not supply me with any of this information. 

I have discovered that I was a victim of identity thief during this same period and I had fraudulent activities on this account similar to other fraudulent activities noted on my other credit card accounts during the same period of XX/XX/2018 to XX/XX/2018. There were even 2 credit card accounts opened in my name during this period of time. 

I have filed a police report in regards to all the fraudulent charges made from XX/XX/2018 to XX/XX/2018 on this account but Citibank is not assisting in any way with the matter. 

This account has been closed to prevent any further fraudulent activities.
Wilber & Associates continues to harass me and collect a debt from me that I do n't them. I never established a contract with this company at all. I really dislike how they are threathing me with legal action. That is in complete violation of the law.
I have several accounts that are fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this fake information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
Bank of America fraudulently charged me {$380.00} in fees XX/XX/XXXX on a closed account. 
Was not able to open bank account elsewhere until paying bofa the fraudulent amount they extorted from me. Today, XX/XX/XXXX they refuse to refund $ XXXX monthly maintenance fee and despite XXXX calls today, XXXX rep at XXXX XXXX cst put me on a XXXX minute hold returning to call refusing to let me speak to supervisor. On XXXX call asked for supervisor told all were too busy to talk to me but would call me back. Between jobs, need my money & need this extortionist bank to stop robbing and extorting from the American people like me
Upon reviewing my credit report XX/XX/2016, I saw a collection account for Jefferson Capital Systems whom the original creditor of XXXX sold the account to for collections. I sent a letter to Jefferson CapitolSystems at the address listed on my credit report, which is supposed to be accurate information being reported to/by the credit bureaus. The letter was sent certified XX/XX/2016 and signed on XX/XX/2016 by XXXX XXXX XXXX. The letter stated that they had the required 30 days to verify and send me documentation of the accused debt that I was disputing as per FDCPA and FCRA. I waited the required 30 days from the date my letter was received at their office. I never received reply of verification of accused debt by Jefferson Capital Systems. Per FDCPA 807 ( 8 ) law, a collection agency is required to contact the credit bureaus on my behalf, and to make sure to add a sentence to my credit report withing 30 days, that says I disputed the negative item/information in question. THIS NEVER HAPPENED! They never complied to the credit bureau, and the credit bureau never marked my account as " disputed by consumer '' within the allotted time frame. This now constitutes a breach of Federal Law on Jefferson Capital Systems which is now liable to me for damages of up to {$1000.00} per occurrence. So, I sent letter 2 XX/XX/XXXX. I mailed the letter on XX/XX/2016. Jefferson Capital Systems received it on XXXX XXXX, 2016, signed again by XXXX XXXX XXXX. I was giving them another 30 days to verify the accused debt. Instead of that happening, Jefferson Capital Systems filed a suit against me. I received it XX/XX/2016. Now, over 60 days have gone by since my initial letter XX/XX/XXXX. Now that 's another 30 days of breaking the law and holding Jefferson Capital Systems liable for another fine of up to {$1000.00} for the second letter I sent to them XX/XX/XXXX, which they also ignored. This was still not my first initial contact from them directly, but through the court papers I received. Then a week after the lawsuit they filed against me, I receive a letter from them. Still no verification, just a call me and let 's talk letter. I did n't bother calling them. I felt I gave them plenty of time to respond to my two letters with documentation. I went to the courthouse to answer their bogus claim and file a countersuit against them. I guess their lawyer does n't feel they broke any laws. Surprisingly, I think they had the credit bureaus remove their account from my report because it is not there anymore. Guess they are trying to hide the fact that they never contacted the bureaus to have the dispute remark added in time, but I have credit reports from XX/XX/XXXX and XX/XX/XXXX showing that their account is on them, with no dispute remarks. They broke the law and they want me to pay for it. I have the letters I sent them, the credit reports and the signed certified cards to prove they broke the law. I received the response from the court and we are due to court on XX/XX/2016.
At Transunion I spoke to a Supervisor named XXXX. I have approximately XXXX hard requests that are not mine. He told me he could not dispute them. I had to call them individually then make a police report for FRAUD. I called each XXXX they say they have no applications for me so then it was an error. I ca n't get letters so They will not take off my report. The police said they need to do there job. If there are no reports then there is no fraud.
For two months now I have been dealing with LenderLive lying to me about my taxes on my property and even before that they have lied to me. When I was refinancing they told me they would not add any money onto my refinance and after I had signed the papers they added {$7000.00} to my loan! But back to the taxes. XX/XX/XXXX a represenative and I talked and they told me to avoid my monthly payments going up I would need to pay {$1800.00} into my escrow. So I did, but then my payments still went from XXXX to XXXX a month even after paying them. I call them multiple times and the representative tells me they will survey the account to lower the payments but on a final call turns out the taxes had gone up on the property so it would never really go down. Well I get a letter in the mail today on XXXX XXXX, 2016 saying the estimated taxes instead of being the original XXXX they raised it to it would be lowered to XXXX as of XXXX XXXX, 2016. But once again another good old trick from lenderlive! I look on their website to verify and according to their website as of XXXX XXXX, 2016 my payment will be going up for my taxes to XXXX a month. All of this does n't sound right to me, I feel like I am getting scammed.
I got my last mortgage statement, with a significant increase in payment, from XXXX to XXXX. When I tried to inquire about this issue with Caliber Home Loan, which requires your loan number, all forms of communications, voice, on-line, do not recognize the account number, XXXX, on my mortgage statement. When I try and e-mail XXXXXXXXXXXX, found on my mortgage statement, there server refuses the e-mail. 

I seems to be no alternative other then mail, to contact this firm.
I have told the company reportedly to stop contacting me and they won't stop. They call me at XXXX and leave voicemails. Send me emails as well. 
Most recently on XX/XX/19 I told them to stop contacting me and the rep emailed back saying that they will call everyday and not stop.
I signed up for a business checking account under and was supposed to receive a {$300.00} bonus after completing the following : Deposit {$1000.00} or more into the new business checking account by Day 10, and Have a {$1000.00} minimum balance in your account on Day 60, and Make 5 or more qualifying transactions by Day 60 : Debit card purchases ACH ( credits and debits ) Checks Paid Mobile Deposits Wires ( credits and debits ) WF Bill Pay or Direct Pay I met the requirements within the specified time period. Bonus did not post. Issue was researched by Wells Fargo, got letter saying that I didn't complete the offer requirements within the number of days specified ( false, requirements were completed in specified number of days ) and minimum direct deposit enrollment wasn't completed ( there was no direct deposit requirement, only a deposit requirement which i did complete ). I believe I met all the requirements of the offer and was incorrectly denied the account bonus.