WillisBack/dataset-financial-user-claim huggingface dataset:
In   XXXX   XXXX   XXXX    , I lost my previous job. I defaulted on a loan from  XXXX   XXXX . The loan was sold to some company called "  XXXX  ''. I started receiving emails from a debt collector   XXXX   XXXX  , who claimed to be collecting for "   XXXX   XXXX   '' as well as letters and phone calls from  Burton Neil & Associates who claimed to be collecting for "   XXXX   XXXX   ''. Believin g "   XXXX   XXXX   '' and "   XXXX   XXXX   '' to be the same company, I waited until I was able to afford payments and made arrangements with   XXXX   XXXX  . I have made payments for the last 8 months.     Yesterday, I received a letter from  Burton Neil claiming  that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my   XXXX   XXXX   account which showed that at this point the balance is {$4800.00}. I call ed Burton Neil who  claims they have no record of receiving payments and are the sole debt collector for their client.     Attached is a screenshot of   XXXX   XXXX   's portal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from  Burton Neil.
The Debt was initially a XXXX debt from 2011. The debt was reporting owing {$980.00} due to equipment chargers. After contacting XXXX the amount was correct to reflect only {$310.00} owing for the past due bill. Unfortunately the debt was sold to Enhance Recovery. I called the company ( Enhance Recovery ) to settle the debt and ask If settling could have the debt removed. I was informed once the debt was settled I would receive a paid in full letter and ERC would report to the XXXX bureaus to have the information corrected/removed from my credit report. I did receive the Paid in full letter as stated, but my credit report was not updated to reflected paid in full or the derogatory information removed.
Mortgage Servicers consider CFPB a joke. For years I have been filing about my mortgage fraud case and nothing matters. The mortgage company and now mortgage servicer have refused and returned my payments. 
XXXX XXXX XXXX is paying the legal fees for the mortgage servicer in order to avoid paying the title claim. This conflict of interest is ignored. 

Admitted forgeries, a judge ruled no ratified deed of trust and no ratified mortgage note and still no assistance from any organization matters. XXXX is the newest mortgage servicer has submitted the same deed of trust that was adjudicated as " Not Ratified '' as a means to collect a debt. XXXX also fraudulently put an assignment in the XXXX XXXX XXXX XXXX.
On XX/XX/XXXX, I received a {$1500.00} loan check from XXXX XXXX XXXX XXXX and then I deposited via the Bank of America mobile app. After doing so, I see that there is a 12-day hold on the deposit. 

I call the Bank of America customer service number, where I am told that, since I still have the check, go to the bank on Saturday morning and see if the local branch can at least make {$200.00} available.since. 

The following day I do so, but to no avail. Now, I have no way to pay my rent and utilities until the hold is lifted. Meanwhile, I will rack up a {$100.00} late fee on my rent and my electric service will be disconnected on XX/XX/XXXX at the close of business. This 12-day hold is onerous and goes beyond the standard hold time.
Credence Resources Management XXXX. XXXX XXXX XXXX MI XXXX XXXX XXXX, XXXX. {$2700.00} XXXX XXXX I disputed this with the credit beaurea as the amount of money that is listed is not owed. I cancelled my XXXX as they were grossly over charging me monthly not according to the monthly agreement. I requested proof showing how and why this was owed from XXXX but never received anything. Now it has been listed with a collection agency and is damaging my credit.
on
XX/XX/XXXX I did sold a property with a pay off with CitiMortgage, after that closing on October the 2nd, CitiMortgage has charge me the monthly payment. I did Call the same day the person that respond to me said that was an error on there system but in 72 hours I will get me money back after the 72 hour I did call and get the surprise that will be together with the refund on the escrow account today after all this days struggling since that I have to aid other expenses I have not receive my money back.
If the mortgage is pay off way their system accept a new payment that was suppose to be refusing the service.
I did call the representative toll me that I have to wait 6 to 8 weeks to receive my money back.
My response was so is ok for the bank to get the person monies and pay back when they want but if the person is delay they charge you penalties and report to your credit.
The system is complete crocked companies and banks has all the power so we are trap on there white hand robbery
Best Buy included a Debt Protection Fee in my statement. This is something that I did not ask for when I made my purchases. I caught it on the first statement but there may be many who do not notice the fee. I called the number on the statement and spoke with a customer service representative. I asked them to cancel the charges. She stated that she would and started to end the call. I asked if the charge was going to be taken off my current statement. She stated that she could not do that but would ask for a refund. Best Buy adds additional charges, makes you call them to cancel and tries to avoid removing the charge. They should not be able to automatically charge these debt protection fees without authorization from the consumer.
Good Afternoon, Hello, my name is XXXX XXXX and I am writing to dispute the late reporting of payments on my credit report which has brought my credit score down a lot. XXXX XXXX, the XXXX XXXX XXXX Officer, informed me that XXXX XXXX is reporting 30, 60 and 90 day late mortgage payments. She also told me there is nothing she can do about it. However, I have never been that late on my mortgage payments. I also put in a modification request last XXXX and was place on a four month trial beginning in XXXX XXXX. As of XXXX XXXX, my new monthly payments were {$710.00} a month and I have been making these payment on time since XXXX XXXX. Therefore, I am requesting that XXXX XXXX remove the false late payment reporting immediately and update all three credit bureaus of my new monthly payment. For further information, I can be reached at XXXX XXXX XXXX XXXX. 

Thanks In Advance! 
XXXX XXXX
I recently found that my identity has been used in an attempt to purchase a vehicle. I have not requested any loans for automobiles in XXXX of 2015 around XXXX XXXX. Someone has inquired about my credit XXXX times. I requested proof of request and the information is not being provided and is currently hurting my abilities to obtain a home loan. It seems to be some type of auto group in the XXXX area of Florida.
I have reason for my dispute due FRAUDULENT ACCOUNTS furnished to my account that here are some of the account I never had any business or contracts for business with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under I expect this collection account to be removed from my credit report. i HAVE FILE A COMPLAINT WITH CFPB AND THE LOCAL AUTHORITIES. I HAVE BEEN WAITING TO HEAR BACK FROM THE 3 CREDIT BUREAUS, I FILE EVERYTHING I WAS TOLD TO DO SO FAR WITH NO RESPONSE!
A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated XXXX XXXX XXXX and Common Wealth Financial System are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter
This company is guilty of predatory lending and charge illegal interest rates. I was advised by the original company that this collection agency was not handling their loans, it was fraud and to not pay them.
In XX/XX/XXXX I spoke with a XXXX 's representative to pay off may account in full and close my account. I received a letter from XXXX XXXX confirming my account had been closed, per my request. Months later I received a bill for interest on the account and was told by a representative that it was an error and would be removed. For several months I received the same bill and each time was told that it was a mistake and it would be handled with no affect on my credit. Several months later I again contacted them but by e-mail to get their response in writing. I was informed in writing that their mistakes would be removed from my credit report. I still have a mistake on my credit report, showing a late payment occurring in XX/XX/XXXX, which is six months after my account was closed. After at least 6 phone calls and e-mails XXXX 's has not removed this from my credit report and this appears to be a malicious act on their part. Please see all attached documentation from XXXX 's,  including their written promise to clear my credit report. This is negatively affecting my credit.
I RECEIVED A NOTICE OF ADVERSE ACTION FROM AN APPLICATION MANAGER FROM REGARDING A XXXX LOAN WHICH I NEVER APPLIED FOR ON XX/XX/2016 COMPANY NAME IS AVANT STATING A DENIAL OF TO MANY INQUIRIES AND PERSONAL INFORMATION WHICH IS ILLEGAL TO ACCESS MY CREDIT REPORT WITH MY CONSENT, THIS IS A VIOLATION OF PERSONAL PRIVACY TO ME AS A CONSUMMER, AND I 'M REPORTING THIS HERE AND ALSO WILL BE CONTACTING ALL CREDIT AGENCIES. I WAS TOLD THERE ARE NUMEROUS INQUIRES REPORTING WHICH I FEEL WILL AFFECT IN LOWERING MY SCORE.
This is a new complaint as a result of a previous investigation failing to address my complaint. # XXXX I asked that the credit reporting agency provide me with the company name and methods used to verify that a bankruptcy on record is correct. The US Bankruptcy Court does not furnish this information, which indicates the company used a third party. I have a right to know this information.
XXXX called my cell first words were this is recorded then asked for XXXX and i know this is improper no person other than myself on my phone and i own nothing gotten theses calls before called number back owned by CBE GROUP at cbegroup.com and looks like credit collector on fishing call they need to be put out of business
Had this card for over a year with excellent payment history. After 1 missed payment due to a financial hardship they closed my account. They will not work with me in any way to get back on track. I do not understand how after 1 missed payment an account can be closed. And the amount of late fees are catching up to the credit line. How can any one ever catch back up. I was a very loyal customer who always paid on time and more than the minimum due. You have caused sever damage to my credit history.
My complaint is about Allied Interstate collecting for XXXX XXXX on a XXXX credit card. 

During a period of financial difficulties, I got behind on my small debt with XXXX through XXXX XXXX They have since started charging me a huge fee each month such that I will have difficulty ever bringing this account current even though I make a payment each month. 

Allied Interstate calls me almost every day up to sometimes 8-10 times, including on Sundays. 

I have tried to make settlement with them but since most of their people do n't speak plain English it is impossible to deal with them. Even if you call XXXXXXXX XXXX itself, you still get connected with someone who does not speak clear English. 

If they want to call one time per day I can accept that but I am sick of the Sunday calls. 

This company should be shut down for its many violations of the federal debt collection laws. 

They call me both at work and on my personal cell phone.
I am filing this complaint against Care Credit/XXXX XXXX for an account I had with chiropractor, XXXX XXXX of XXXX XXXX. I have been billed for services I have never received such as cold laser treatments. I was told I would pay for one visit and get one free. In addition, XXXX XXXX told me he would bill Medicare for some of this care. I contacted Medicare and they said XXXX XXXX Never submitted a bill to them. THIS IS FRAUD, plain and simple, perpetrated against a senior citizen. Prior correspondence from a XXXX XXXX, Senior Specialist, Corporate Consumer Relations at Synchrony, made No sense. She said they could not judge the quality of service. THIS HAS NOTHING TO DO WITH THE QUALITY OF SERVICE, EVEN THOUGH IT WAS HORRIFIC, IT HAS TO DO AS I STATED ABOVE, WITH being billed for services not received, being told one thing and XXXX XXXX doing something else. I called XXXX XXXX   today again and spoke to someone by the name of XXXX. She said there was no one at Synchrony by the name of XXXX XXXX. I said I have the letter right in front of me. This situation is outrageous. My bill should be down to {$150.00} and nothing is resolved. XXXX XXXX Never came up with what he billed Medicare because he never billed them ... he lied, plain and simple.
I filed a complaint ( # XXXX ) with the CFPB on XXXX/XXXX/16 regarding Citibank not depositing XXXX XXXX XXXX miles into my account for a promotion I had met the terms of. They responded on XXXX/XXXX/16 and said I would receive the miles within 60 days. Those 60 days have now passed and I have still not received the miles.
XXXX and Transunion are reporting me as 120 and 180 days past due XXXX XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount. 

I have listed the account number for reference : XXXX
Experian continues to report fraudulent & unverifiable accounts on my credit report. There are XXXX XXXX XXXX accounts which I 've disputed with them numerous times, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Experian has provided me with a signed contract of my obligation but they continue to claim this has been verified. When review my file here are some facts which question the integrity of their investigation. The address linked to these accounts is not mine. I 've requested it be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This is public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like these unverifiable accounts removed immediately. If Experian continues to claim they 've verified these accounts again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.
I was sent an unrequested credit card ( XXXX XXXX from Capital One. Upon checking with XXXX, Capital One inquired my credit report on XXXX XXXX, XXXX ; I received the unrequested card on XXXX XXXX, XXXX. I have NOT contacted Capital One since a phone call may inadvertently " activate '' such card which I do NOT want.
I received a phone call from XXXX XXXX XXXX. XX/XX/XXXX stating that they had mailed a notice to collect a debt to an address that I have not lived at for over 10 years. I provided my new address and followed for approximately 2 months. Meanwhile, the deadline to pay the debt was XX/XX/XXXX. I finally received my noticeXX/XX/XXXX. I paid a final payment as per my settlement agreement amount on XX/XX/XXXX which resulted in a total of {$300.00} in installments. I was advised by XXXX XXXX from XXXX XXXX XXXX XXXX. that the XXXX would notify the creditor XXXX XXXX XXXX XXXX XXXX   and that I would receive a letter within 7-10 days. On XX/XX/XXXX I was mailed a letter from XXXX stating that I had a balance of {$550.00}. on XX/XX/XXXX I called XXXX and spoke to XXXX XXXX   who had advised that my file had not been closed, that XXXX   had not notified XXXX XXXX XXXX that my debt was paid in full as per the settlement agreement, and that the notice that I was supposed to receive in 7-10 days was not mailed. As per XXXX XXXX at XXXX they would notify XXXX XXXX XXXX XXXX and I would receive a notice within 7-10 days. It has taken me over 3 months to try and settle this debt without any help or assistance from XXXX XXXX XXXX.

Client acct # XXXX  XXXX acct # XXXX  Creditor is XXXX XXXX XXXX XXXX XXXX Debt Description : XXXX XXXX Original Account # XXXX
I received this creditcard ending in XXXX at my request.. But I never activated it to be used. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements
Profilo recovery XXXX XXXX pay off credit cards From XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Are all pay and close
XXXX XXXX had informed me that Equifax has a fraud alert on my credit report. I did not place it on my report and they have refused to remove it.
XXXX thought that Experian had removed XXXX credit files from my credit report because I was told that the creditors would remove them, and disputed them also, but they are still there. 
The other XXXX credit bureaus removed them without a problem and I just want them off of my report without having to keep having to deal with such a hassle. 
The accounts are1. XXXX Account # XXXX am typing them how they come up on the report. 
It shows as being opened on XXXX. XXXX XXXX XXXX Account # XXXX shows a date of XX/XX/XXXX and a balance of $ XXXX.-But the date shown is the date I think it was sent to collection because it was many years before that. This was also from either XX/XX/XXXX or XX/XX/XXXXPlease can you assist me with this, thanks so much, XXXX
i sent letter of discovery to ic systems ( debtor ;  XXXX  which i have not used in years  ) (  first reported  XXXX  ) to verify debt, and have had no response &amp; gt ; 30 days.I requested copy of original agreement with my signiture, also requested copies of the original deliquency and any subsequent bills showing debt.. no contact from ic systems I filed complaint with all  XXXX    XXXX   XXXX   and   XXXX    disallowed with no information.
I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires removed immediately.
Please refer to Case number : XXXX. On XXXX XXXX 2016 I submitted the application to open the account and also deposited {$1500.00}. It took too much time to get this account open and getting the online access. Now I am seeing that almost after more than 5-6 weeks - they ( hsbc ) are reflecting as if they received the money just on XXXX/XXXX/2016. So where this money was for more than 5 weeks? Why HSBC should not pay interest to me as it 's all the delays from their side? either they should give interest rates from the day they got it or be efficient in terms of opening the account. Another problem is that all their process is very cumbersome and complex - not even folks like me whoa are just XXXX yrs old and in XXXX can follow it - others wo n't be able to do anything also ... .moreover customer service of HSBC is terrible ... yesterday i called ... it seems the call went to XXXX with so much back ground noise ... i said please keep the phone on mute ... i was told please bear with us ... we ca n't help ... that 's the overall standards.
I received this email XX/XX/2018, and they said that I owed XXXX. I have never responded because I have never taken that loan. I can not pay for something that I did not do.
I talked with the manager @ XXXX, located @ XXXX XXXX XXXX XXXX, Virginia XXXX XXXX, round our about : XX/XX/2018.. because I was having trouble activating the new card they gave me for employment,.,, The manager called the corporate office and they told me to give them my physical address so they could release my funds,, so I gave the manager the information,, They next day I tried checking my balance online with XXXX   and I was told that the email and passwords entered on my pay card did not match there records. and were not my emails.. so my card, had somebody elses email on them, I contacted XXXX corporate office,,   and they said they might have given, me the wrong card. So the same day I tried checking my balance.. about XXXX XXXX and a $ XXXX transaction was made for a XXXX XXXX  that was not mine,, so I called XXXX County sherifffs offci , officer badge # XXXX, and reported the identy theft,,, - and then I did a ftc.gov- report.-online for credit card theft
The company, Midstate Collection Solutions, autodialed my number and had me wait on the phone for 15 minutes, at which point I was automatically disconnected because " there [ was ] no one available to take my call ''. 
I waited to tell them that they were looking for the wrong person ( my credit report is pristine ), as this has happened a few times since I opened this line through XXXX. 
In the future, no doubt, they will be trying to reach me again and me answering the phone to let them know they reached the wrong person should only happen once.
Website is https : //www.equifaxsecurity2017.com/potential-impact/, company is Equifax. Date is XXXX XXXX  2017.
The website says it would tell you how you were affected and give you an option to opt-in to XXXX XXXX. It does neither after this happened over a month ago. Its both false advertisement as well as enrollment without consent.
On the following dates letters were drafted and sent via Certified Mail to the major credit bureau Equifax, in efforts to dispute inaccuracy in account information reported ; XX/XX/2018, XX/XX/2018. 

Credit accounts disputed XXXX Late payment ( s ) disputed XXXX XXXX XXXX
I paid off a personal loan in cash on XX/XX/18 at the XXXX CT branch on XXXX XXXX. This was in the amount of about {$240.00}. Since this date the bank has admitted that there was a bank error " caused their system '' to REVERSE a cash payment, and my payment has been sitting in a " reject '' bin. 

They have reopened the account without my permission, kept my money, and never once notified me of the issue in writing, or by phone. Instead they let the account sit and collect interest and fees. I found out of the negative report of 30 days late on my credit report via an e-mail from XX/XX/XXXX. 

In the meantime I have of course received SEVERAL e-mails and letters soliciting me to open a new line of credit, loan or credit card with XX/XX/XXXX. 

Since then I have visited the branch once, and been in contact with the personal bankers, branch managers, and regional managers to attempt to correct this issue. At first I was told 3 business days, then 10, and since then nobody will return my calls or even make an attempt to correct the issue. I have demanded a letter form the bank stating that this is a banking error. I have legal recording of the regional manager admitting this was a banking error and promising to make this right - whatever that means. 

Per XXXX XXXX request I have opened disputes with the credit reporting agency and last night I received an e-mail from Experian stating that they have DENIED the update to the credit report! 

This is beyond unbelievable and the worst part is that this has ruined my personal credit, business credit AND XXXX loan of XXXX that was supposed to close 3 weeks ago.
I have been paying the mortgage to the original lender for close to 20 years never had a late fee until XX/XX/2017, I immediately sent a payment with the penalty fee and they purposely refuse to Cash the check then I sent the next check it couldnt had been late and they claim it was, it seems to me they are trying to drive me into an unnecessary situation so they can profit from additional fees etc etc.

It seems to me they are trying to benefit from a sellers real estate market and drive me into foreclosure.