WillisBack/dataset-financial-user-claim huggingface dataset:
ON OR BEFORE XXXX XXXX I RECIEVED A COLLECTION CALL FROM BANK OF AMERICA REGUARDING MY MORTGAGE PAYMENT THE LADY I SPOKE WITH TOLD ME I HAD XXXX IN MY ESCROW ACCOUNT AND IF I PAID XXXX THAT WOULD MAKE 1 MORTGAGE PAYMENT SO I GAVE HER MY ACCOUNT INFORMATION SO XXXX COULD BE DEBITED FROM MY ACCOUNT ON XXXX XXXX AND SHE GAVE ME A CONFIRMATION XXXX AND ON XXXX XXXX THEY DEBITED XXXX OUT OF MY ACCOUNT ON XXXX XXXX CALLED THEM BUT THEY COULD NOT GIVE ANY EXPLAINATION AS TO WHY THEY KNEW I WHAT THE AGREEMENT WAS WITH THE CONFIRMATION NUMBER THEY GAVE ME AND KEPT PUTTING ME ON HOLD AND EACH TIME THEY WOULD TRANSFER ME TO DIFFRENT LIKE NO ONE KNEW WHAT TO SAY ABOUT IT AND THE PEOPLE I SPOKE WITH KEPT SAYING THEY WOULD PUT IN A REQUEST FOR A REFUND AND ON WENSDAY XXXX XXXX XXXX I CALLED BACK TO CHECK ON MY REFUND THEY TOLD ME SINCE I WAS BEHIND ON MY MORTGAGE THEY WOULD JUST KEEP IT AND APPLY IT TO MY MORTGAGE HOW CAN YOU JUST TAKE MONEY FROM SOMEONES ACCOUNT ILLEGALLY AND NOT RETURN IT IF I DID SOMETHING LIKE THAT I WOULD BE ARRESTED FOR THEFT AND WHATS WORSE THEY DIDNT WANT TO ADMIT THEY STOLE MONEY THAT WASNT RIGHTFULLY THEIRS TO BEGIN WITH SOMETHING NEEDS TO BE DONE ABOUT THIS
A loan account begin in XX/XX/XXXX as {$21000.00} with XXXX XXXX XXXX XX/XX/XXXX - charge off on account XX/XX/XXXX - MRS BPO LLC reports as {$30000.00}. 

The account is not accurate.
Received a phone call from IC System on  XXXX / XXXX / 2017  at  XXXX  EST.   They said they were calling about a " personal matter '' and asked me to confirm the address they have on file.   I asked them twice to explain what they were calling about, but they refused to provide more details and hung up.   My research indicates they are a debt collection company, but I have no idea what debt they were calling about since they hung up so fast. Now I am worried that my  credit score will get hurt.
account refers to XXXX XXXX XXXX. also known as XXXX XXXX XXXX. i have never denied account is mine, my dispute is this company keeps reporting inaccurate information in order to hurt my credit. i have asked by certify mail for the credit bureau XXXX  to validate account and amounts and collection date. there response is the acount is certified and is accurate, after filing a complaint with CFPB XXXX  XXXX finial sent documentation showing the collect amount. which is not the same as what is being reporting but the still refuse to send collection date this being the lease, that would show that the correct date of collect is XX/XX/2011, the collection amount is {$1900.00}, there fore they are reporting inaccurate information and must be deleted under fcra, 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
Therefore XXXX has had plenty of time to investigate and keeps reporting wrongfull information in fact every time they investigate the balance seems to go up. 

depending on action taken, if i will file civil suite in court
DISPUTE GUIDEPRINT XXXX XXXX  XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.
I called back in XXXX to settle this account after they switched to a new collection agency for a XXXX  XXXX  account. We agreed to 3 payments of XXXX appx. They took the first payment in XXXX, all events are for year 2018,. After the first payment I called back within that same first week and asked to cancel the arrangement because I could not afford it any longer and I was moving soon. The representative was very rude and threatened to report the account back to the credit bureau under the previous full balance versus what I even just paid. She told me she would cancel the arrangement and when I asked to speak to her supervisory regarding her service she refused and told me no supervisors were available when I called back I was placed on a block list. I called back today XXXX to find out why they charged my account again I spoke with a very rude supervisory who began to raise her voice to me and yell. I asked to speak with her manager because I wanted the previous call reviewed in XXXX she told me she would not do that nor did she have available and begin to get really rude saying I could call back and speak to a supervisory who was her equivalent. Once again when I tried to call back to customer service my number was blocked and I did record it this time. They charged my account when I asked to cancel the arrangement and refused to resolve the bill error they caused and threatened to report the full amount less the one payment I made.
Hello : ditech.com is my mortgage company. They placed an automatic forbearance on my account and removed my auto payment after Hurricane Irma. I called about a week after the storm to ask that they remove the forbearance and return the auto payment. This was confirm by the agent and recorded by them. I received a letter just a few weeks ago stating that my auto payment was never returned and the agent who I spoke with after I received the letter actually read back the notes confirming that I called and asked to have forbearance removed and auto payment reinstated. So I asked again the agent to remove the forbearance and install auto payment. 

I called this past week to check if this was done yet, and the agent at that time said I still have a forbearance and no auto payment. 

As I right this complaint, I spoke with an agent today that informs me that I dont have auto payment and forbearance is still active. She placed me on hold, which has lasted an hour. 

Ditech is not responsive, and it is purposely choosing to keep my in forbearance when I have asked countless times to remove me. I also have asked countless times to reinstate auto payment and yet they choose not to listen. 

Please help XXXX XXXX, XXXX
I contacted Wells Fargo Home Mortgage in XX/XX/XXXX ( Copies of emails/correspondence will be attached ) regarding a goodwill request to remove late payments from me and my husbands credit file. My husband and I had experienced a financial hardship as a result of health problems and periods of unemployment in XX/XX/XXXX in which we were forced to refinance our home resulting in an extremely high APR of 11 % with Wells Fargo Financial ; however, we managed to keep up with our payments until we had another setback in XX/XX/XXXX-XX/XX/XXXX. Eventually, our loan transferred back to Wells Fargo Home Mortgage after all Wells Fargo Financial branches were closed. My husband and I would like to refinance our home at a lower APR but having the late payments and inaccurate lates and amounts reporting on our credit reports has been detrimental barriers to refinancing our home. This, I contacted Wells Fargo Home Mortgage asking for their help in removing the late payments as a goodwill gesture. I have also spoken with XXXX XXXX, Executive Resolution Specialist, Customer Care & Recovery Group by phone on XXXX XXXX and was informed that Wells Fargo could not do a goodwill gesture of removing negative reporting because they are bound by the federal government laws to report accurately. A few days later I sent an email to the XXXX XXXX XXXX, CEO, the Board Communications, and XXXX XXXX, Senior Executive Vice President of Payments, Virtual Somutions & Innovation. I spoke with Mr. XXXX several times by phone in XX/XX/XXXX, and he assured me he would look into my request to see what they could do. After  several days, Mr. XXXX called me back and said there was nothing they could do regarding my goodwill gesture request because they we bound by federal laws to report accurately and unless I found a mistake in their reporting. There is a mistake in their reporting regarding the amount of the late payments and number of late payments as I recently discovered when we received our current credit reports. Email and letter correspondences will be attached regarding this matter.
This company called my cell phone ( XXXX ) and left a msg on XXXX/XXXX/15 to return their call. Then they called my house phone ( XXXX ) a few minutes later and my wife answered. 
A women named XXXX XXXX asked my wife to take down her information and have me call them back. She stated she worked for an attorney and that I owed a debt from a XXXXcredit card account. My wife quickly googled this firm and found fraud allegtions and many complaints about them. 
After careful research we have found they are not attorneys, which is a violation of Federal and State Law, and have found they are not licensed to collect in the state of MA. 
I called the telephone number she gave my wife and a XXXX XXXX answered. She asked for my name, then she stated that I owed the debt a for a XXXX credit card. 
I then I asked her to send me documented proof by mail. She replied with " are you denying that you owe this debt? '' I said " no, I am asking youto send me proof.? This went on for a few more minutes and I just hung up.
I received an unsolicited request via XXXX to apply for a Chase Visa partner card from XXXX. I applied and they rejected me. I have with a near perfect FICO of XXXX, one single loan ( my car ), and no balances due on credit cards. 
In short, for no good reason that I can see, other than my age ( XXXX ), I  was rejected despite a near perfect credit history. 
I am an XXXX  and my wife is a XXXX, I'd have thought you would want my business. 
Why not just say Seniors need not apply. Oh, that's illegal. 
YOU ( XXXX ) have wasted my time over a scam operation and I do not appreciate it!
This company has called my husband repeatedly demanding payment. We are currently working with our insurance company to cover the bill. We have also stated to this company to ceast and desist until we are able to straighten the situation out.
Account was opened in XXXX and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over XXXX XXXX XXXX. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after 7 years.
On XX/XX/2018 I received a call from National Credit Adjustors about my account. I agreed to pay the account in the amount of {$610.00} if they deleted from my credit report as it was reporting in collections. They agreed. The payment cleared my account and they are still reporting my account in collections. The resolution I want is for it to be removed from all 3 of my credit reports. I have called several times and had have no luck with getting them to cooperate with their agreement.
The debt was from 4 or 5 years ago, but it is being reported as a new debt as of XX/XX/2016, by SW Credit Systems Inc.
i 'm not sure if this is something wrong or what happen.. but hoping you can assist me. I took out a {$600.00} loan two months ago for car repairs.. now I only owe {$430.00} XXXX but my score dropped 25 points like 2 weeks after taking out the loan ( i understand that 's normal ) ... However the most recent checkup last week it dropped another 49 points, just confused as to why if I continuesly make my payments on time without making any changes or anything. It was at XXXX, then got reduced to like XXXX, now it 's at XXXX? am I missing something here or?
The company is failing to stop reporting bills to credit agencies such as XXXX.

The bills have a responsible third party and are currently in litigation. Trail is wet for XX/XX/2018. My attorneys have notified the company ( listed below ) that the bills are RTP and in litigation. The company continues to report the bill to credit agencies. Ive disputed the reporting twice and have provided XXXX with proper documentation to cease and desist reporting.

UNITED REVENUE CORP Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
1. XX/XX/XXXX, i had to file for chapter XXXX bankruptcy due to the housing market crash. my bankruptcy was discharged XX/XX/XXXX. all XXXX credit reporting agencies kept the bankruptcy on my report for an additional year ( should have been removed XX/XX/XXXX, was not removed until XX/XX/XXXX. 
2. I submitted a letter to all XXXX agencies about a mistakenly charged child support payment that was never finalized signed by XXXX and XXXX of them still have not removed it from my report. 
3. I had to short sell my house and was told that it would fall off of my credit report 2 years after the last late payment. XXXX of the agencies have dropped it, a XXXX has not. 

all XXXX of the agencies have been seriously negligent in correcting these issues and i have filed disputes constantly. when i called to find out why my credit scores were still so low, they told me it was because of all the disputes i had filed. so my credit report is supposed to suffer because i am complaining that they are not doing their jobs? 
i really need some help with this as soon as possible.
When I received my XX/XX/XXXX statement from Comenity Capital Bank I was charged a late payment charge of {$27.00} and Interest of {$53.00}. They said they received the Full Payment of the Statement Balance 1 day late. I asked them to send a copy of the envelope with the date stamped received. They said they do not save them. I said how do I know it was late then. They said to take their word. I told them I wanted these charge removed. In the last 16 months, they posted my payents an average of 3 days early. Please see attached worksheet. On XX/XX/XXXX, they sent me a letter saying they were waiving the late fee, no mention of interest. I called them XX/XX/XXXX to cancel my account.
PNC Bank of New Jersey arbitrarily stopped including copies of our cancelled checks in our monthly checking account statement. We have been customers with PNC for over 25 years. The PNC Senior Choice Account Agreement we signed up for stated we would get copies of our cancelled checks. We first notified them of this error in XX/XX/XXXX, the PNC customer service representative said we would get copies in the XX/XX/XXXX statement, NO copies of cancelled checks from PNC in the XX/XX/XXXX statement. Called again in XX/XX/XXXX and the PNC customer service representative promised we would definitely get copies of our checks in the XX/XX/XXXX statement, NO copies in the XX/XX/XXXX statement. Called again in XX/XX/XXXX and the PNC customer service representative again promised check copies in the XX/XX/XXXX statement. In XX/XX/XXXX our statement had copies of the checks. In the XX/XX/XXXX statement, NO copies of cancelled checks. My husband visited PNC in XX/XX/XXXX and spoke to a bank representative at a PNC branch located in XXXX, NJ to again explain the issue. PNC 's customer representative said we are in PNC 's Senior Choice Plan and we are entitled to copies of our cancelled checks. He promised we would receive copies in the XX/XX/XXXX statement, NO check copies were received in the XX/XX/XXXX monthly statement. 

As seniors, we feel PNC is taking advantage of us, but more importantly PNC is breaking the terms of their agreement. Thank you
On XX/XX/2018 I submitted a review of an erroneous item on my credit report. A lien, that was withdrawn and XXXX note it was released/withdrawn but did no remove it from the report even thought the could not verify it and had evidence it was withdrawn.
I have limited exact dates of transactions as the company XXXX XXXX XXXX closed inXX/XX/XXXX. I purchased several packages from XXXX XXXX XXXX for laser hair removal between XXXX and XXXX. Over those 4 years I paid XXXX XXXX XXXX approximately {$6000.00}. In XXXX when my services ended without being complete I stopped paying XXXX XXXX XXXX as they closed. When I stopped paying I was sent letters from XXXX XXXX asking me to pay my balance. I explained to them several times that I do not owe the debt as my treatments are incomplete and in fact I felt as XXXX XXXX XXXX  owed me money. I paid thousands of dollars and still have incomplete treatments. XXXX XXXX XXXX agrees to continue treatments until all hair is gone. They discuss that it can take years of treatments. I did as XXXX asked me to do regarding disputing the charges. I sent them letters expressing that I dispute all charges. I told them I could not get exact transaction dates as XXXX XXXX XXXX is closed. They did not accept my dispute and have continued to harass me. I am now being sued by them. XXXX is claiming I owe them {$2800.00} however with interest and fees they are now suing me for {$4200.00}. They have hurt my credit and I am so stressed. I do n't understand how a bank can harass and force people to pay for services they did not receive. I obviously did not get the services as the place closed. As I have told them I would pay if I received the money or the service but I did not. How can we as consumers trust the stores we purchase things from if this is allowed? If I want to apply at a store for credit for floors I will not ever want to do that. What if they close before I get my floors and I have to pay for them anyway? I think this is a scary precedent to set, that banks can collect money despite no serve or product being rendered. The definition of purchase is to by a product or service. I purchased nothing. I should owe nothing. I am also assuming that XXXX XXXX received large payments from XXXX XXXX XXXX when they filed chap XXXX or XXXX. XXXX XXXX has my services and my money not me. XXXX is harassing the little person in this and I am beyond angry. I have also complained to Better Business Bureau and the Attorney General 's office.
On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a XXXX XXXX XXXX in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a XXXX XXXX XXXX had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).
I purchase  XXXX   XXXX   XXXX  from  XXXX  on  XX/XX/XXXX . I agreed to pay {$540.00} for 72 months. which is 6 years which should be paid in full  XX/XX/XXXX . My balance with  Santander Consumer USA  is  XXXX . This Company has taken every payment that i have made and applied the total payment to Interest only and the loan is continue to accrue interest this has to be illegal a violation of the truth in lending act. They have report false information to credit reporting agencies. My credit report show that i have made a total o f 52  payment {$23000.00} and i still have a balance of  XXXX . My loan balance should be {$2800.00}. Please see attached documents.
RMG Systems is trying to collect a debt that is not mine. I have asked a number of different time for verification and they have not provided it to me. They did however say that if I just paid the debt they would remove it from my trade line on my credit report. I have no problem paying the debt that is mine. They are a shady collection company that I believe is part of a scam. They have no information other then basic personal info.
I made an extra online payment of XXXX on XXXX and my regular auto payment of my monthly payment is still pending. This was supposed to go to principal and then i looked today they took out XXXX of INTEREST Payment Breakdown Below : Principal {$1200.00} Interest {$290.00} Fees {$0.00} This was a PRINCIPAL PAYMENT in addition to a monthly payment. If there is no pre-payment penalty why am I being charged interest for an extra Payment??
I HAVE 5 MEDICAL COLLECTIONS FROM XXXX XXXX XXXX  ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX  IM DISPUTING THESE ITEMS BECUASE THEY SHOULD NOT BE ON MY CREDIT REPORT, THESE ARE MEDICAL BILLS AND PER HIPPA LAW THIS COMPANY IS IN VIOLATION OF THE HIPPA ACT. A DOCTOR OR HOSPTIAL IS NOT SUPPOSE TO SHARE MY MEDICAL RECORD WITH ANYONE WITHOUT MY CONSENT. PLEASE DELETE FROM CREDIT REPORT BEFORE I SUE.
We became delinquent on a few of our accounts with Discover back in XXXX and then we made arrangements to have the amount deducted from our account since then and we have never missed a payment. We would call Discover each year and get an interest rate of XXXX for all the accounts. We trusted that they had done this and spent an hour going through this with them each time we called. Lo and behold we notice on our statement that the rates had gone up significantly. We called to ask for a different interest rate and they said there were no programs. Then we called again and again and they would say you need to call again next month. Finally after talking to several people they said they would send us a letter telling us why. We get this letter and it says RECENTLY we revoked your account ... We then called to see why and when did they revoke our account and they said back in XXXX??? Then during the conversation we realize that they had not reduced our rates all those times and we were paying them as if the rate was XXXX and it was not ( XXXX ) and we could have been paying them before other cards if we knew the rate was that high. This went on for several years and I found out that XXXX time they actually put the XXXX for XXXX account. We will never use Discover again. Of all our accounts that we owe from my husbands company going under during our XXXX XXXX we never had anyone treat us this way. NEVER, EVER USE DISCOVER.
Equifax mishandled my personal information, including SSN, DOB, DL #, credit card numbers, and other information which has led to a breach that puts myself and millions of others at guaranteed risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. while their executives took the time to sell shares worth millions of dollars. I received no email, letter, or phone call and instead had to discover it via social media.
Equifax has re reported XXXX XXXX XXXX on my credit report without a 5-day notice which is against the law. <P/>According to the FCRA : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. <P/>( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion