WillisBack/dataset-financial-user-claim huggingface dataset:
I had my son 's lab work done in XXXX XXXX in XXXX XXXX, MI. I intended to pay on spot, but they did n't take the payment since it was near the closing time. Today I received a letter from Law Offices of Donald R. Conrad in XXXX MI that XXXX reported me to them for collection. I see that in the address my apartment number is wrong! 

Now I realize the clerk at XXXX must have entered the wrong apartment number. Since I did n't get any paperwork on that day, I was not aware of the mistake. They sent the bill to the wrong address and without even giving me a call, they sent it to the collection agency. And it is just {$45.00}! There are so many bills I need to pay, I rely on the service companies to send me bills and I pay them on time. 

I called the lawyer office, it goes to a voicemail, telling me to leave a message. But the prompt keep repeating and does not take any message. I then went their online payment system and made the payment. 

XXXX first entered a wrong address for me, did n't call me i.e., they did n't utilize all contact information I gave them, and then sent just {$45.00} for collection. It is a very aggressive and unfair treatment to their customer. It was not the first time we went there, and we paid dues in time all the other instances. I am really worried they are going to cause a dent in my credit history through their atrocious act. Not to mention they shared my information with a third party in the process. 

The Law Offices of Donald R. Conrad also did not bother to contact me via other means. And they set up a faulty telephone system where you are prompted to leave a voicemail and no voicemail is taken. 

XXXX these offices lack commonsense that a clerk may enter a wrong address and they should try other methods of contacts first. What if I missed this letter too? I see someone corrected the account number by hand this time. 

Also XXXX has a faulty system where they have to take information in every service point. We went there several times. Had they have a central system for contact information, I did n't have to deal with this. They could pull my information and verify with me.
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
I wanted to send money to my mother in XXXX through MoneyGram on Tuesday XX/XX/XXXX. First, I had to verify who I was by sending a copy of a bank statement and a copy of my driver 's license after giving them multiple ways to verify my identity online. I spent two hours on the telephone with them but they were not satisfied with my answers ; therefore, I was treated like a criminal and had to send proof of who I am. Second, I was finally granted permission to send the money yesterday ( XX/XX/XXXX ). I filled out the online form exactly as I was asked to do. When prompted to fill out my mother 's information, I was asked for her first name and last name. Nothing else was marked as required or necessary information. Today my mother went to collect the money. She was told that she could not collect the money because I had not given her middle name and second last name. Why did MoneyGram not ask me for that information when I was filling the form online? I CLEARLY MARKED the money was going to XXXX. If they knew that my mother was going to be required to provide identification with all XXXX of her names, then why did they not prompt me to give them all XXXX names? Why was my transaction approved on my end if they knew that the money was not going to be delivered in XXXX because I had not given ALL THE NECESSARY INFORMATION. I paid for a transaction that could not be finished because of their negligence in letting me know ALL THE INFORMATION NEEDED on the other end. When my mother let me know that she could not collect the money, I called MoneyGram to correct the situation and I was told that I had been given THE CHOICE of adding more names but I was NOT told I HAD TO DO IT FOR THE TRANSACTION TO BE TRULY COMPLETED. They told me that my only option was to cancel the transaction on my end and expect a refund in 12 BUSINESS DAYS. Last night they took my money and were ready to send it to XXXX in 15 minutes. Now I have to wait to get my money back 12 BUSINESS DAYS. PLUS, THE MOST IMPORTANT THING, MY MOTHER STILL DOES NOT HAVE THE MONEY SHE NEEDS RIGHT NOW. I AM DISGUSTED. I WAS TREATED LIKE A CRIMINAL AND HAD TO PROVE MY IDENTITY. AFTER PUTTING ME THROUGH THAT ORDEAL, I WAS NOT GIVEN ALL THE INFORMATION NECESSARY SO THAT MY MOTHER COULD PICK UP THE MONEY IN XXXX. THIS IS DISGRACEFUL. I AM A XXXX AND CURRENTLY A XXXX WORKING ON MY XXXX DEGREE sending money to my family in XXXX. I AM NOT A SCOUNDREL LOOKING TO MAKE A QUICK BUCK OR STEAL FROM ANYONE. BECAUSE OF THEIR NEGLIGENCE, I was made to feel like a common criminal and even after I complied with their demands, they DID NOT PROVIDE THE SERVICE I PAID FOR BECAUSE THEY DID NOT GIVE ME ALL THE INFORMATION I NEEDED AND MY MOTHER NEEDED. MY MOTHER IS XXXX YEARS OLD and SICK. SHE DOES NOT NEED THIS KIND OF XXXX. THIS IS SHAMEFUL!!!!!
This is the information that I requested from Portfolio Recovery! 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received non of the information I requested. 

I did not receive this information!
While using Quicken Loans to finance a second home I feel the terms of the loan were not fully disclosed to us. While at the title company closing on the loan we discovered we had not actually put down 20 % as we had wanted. Also Quicken gave us a loan with Lender Paid Mortgage Insurance without our knowledge. Due to a number of factors we did sign the paperwork for the mortgage. Quicken has admitted to us they did not disclose to the LPMI and say they will refund the bulk cost of it. However I am of the opinion our interest rate suffered due to the fact that we did not actually put 20 % down and had LPMI. We had the funds and wanted to put down 20 %, therefore I 'm not willing to pay a higher interest rate compounded over the life of the mortgage.
On XX/XX/XXXX I left my card with the drive thru attendant who was fired for stealing the card. I was XXXX in my XXXX and hospitalized until the XX/XX/XXXX. During this time these purchases were fraudulently made on my card .XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX GA/ XXXX XX/XX/XXXX XXXX XXXX XXXX GA/XXXX   XX/XX/XXXX XXXX XXXX XXXX GA/ XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX when I logged into my account after a long time I noticed the transactions and immediately called and reported the transactions. The bank included a charge I made and tried to say that these items were delivered at my location and purchased by me. I filed a police report with the XXXX police dept who told me it was incorrect and needed to be filed in XXXX which I did and reported to the fraud investigator. The fraud investigator said it was something wrong with the report and that they didn't have enough information to say who did the charges. I asked why didn't they call the police to find signatures and photos of file he refused to do his job. I asked for a manager and still haven't heard back from one!

This company promises 0 fraud liability for fraudulent charges but they are asking me to pay for charges that I didn't do and didn't even conduct an investigation or have anyone call me. They tried to say it was me but I have proof I was in the hospital and I have no authorize user on my card. I shouldn't have to pay for someone else charges just because they cant do their job. XXXX of fraudulent charges that have nothing to do with me I have left a thousand messages and the guy XXXX keeps calling a phone number that doesn't belong to me and accusing me of owning the number because I worked for the XXXX XXXX I explained I worked in a different location he keeps saying no you work here. I want this to be handled correctly and the correct person to be arrested. I want them to do their job and stand by their policy.
I got another statement today with funds misapplied again. I am attaching the statement I received and I had to call to have the funds properly applied. I had another complaint filed and they continue to misapply funds and I have disputed their findings on your website. I ca n't get any results. Someone has to challenge them to do things correctly. I ca n't get them to contact me and get anything right. My previous complaint was [ Case number : XXXX ].
For three years Ive disputed XXXX XXXX invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes Transunion and XXXX have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to XXXX XXXX. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXX when I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.
TransUnion customer service would not help and take care of the negative inquiries reporting on my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
After several intimidating phone calls from Portfolio Recovery Associates LLC, I made a payment of {$1100.00} to them. When I realized that I could dispute the debt, I requested for a signed legal binding contract from XXXX XXXX showing that they were assigned to collect the money they insisted that they were told to collect. They only sent bank statements. They never showed or sent any signed, binding contract with XXXX XXXX to collect the payment. Since they were not able to provide such information to me, I demaded that my payment be returned because they fradulently took my payment. I really want my hard-earned money back.
On XX/XX/2015, I had a lien placed on my saving account. I receive federal student loans and the Post XX/XX/XXXX G.I. Bill benefits. I was told that my account was under review. I called on XX/XX/2015 and I was told that they could not release the hold unless I had the company release the funds. I told the company that they could not do this. I told them that my account receives only electronic, exempt, Federal direct deposits of Veterans Affairs Benefits and student loans. Three or four times before, their lawyer actually dismissed some liens the same reason.
I have not recieved a notice that my mortgage was transfered and the new company stated that I am past due but they have not issued me a bill. Neither company has issued me information on the transfer.     Company  1 -   XXXX   XXXX   2- Selene Fianance
I spoke to Bank of America Regulatory Representative XXXX on XX/XX/2018 at XXXX XXXX. At that time I was advised that Bank of America would be removing the reported trade lines from the XXXX XXXX XXXX  and XXXX  XXXX I clearly asked how long this process would take and was informed that it would be removed within 48 hours but to wait at least a week. I was also informed that I would be receiving a letter to that effect as well. Pursuant to XXXX confirmation I attempted to open on an account on XX/XX/2018 with a local branch and was allowed a second chance checking account. However, the following day I was contacted by the bank and advised that my account would be closed by XX/XX/2018 due to information that was reported on the XXXX XXXX XXXX. When I asked this banking institution why my account was being closed when it was initially approved, I was told that they perform an additional search beyond 30 days for information reported to the XXXX XXXX XXXX. 
So once again I have received incorrect information and now I have a direct deposit tied up with this banking institution because of this reporting. I simply want this information REMOVED from the XXXX XXXX XXXX as was agreed. I know I am only a small customer but Bank of Americas customer service is ridiculous and needs to be addressed by someone. I dont want to seek legal remedies but this maybe the only route as to let Bank of America stop taking advantage of people. 
PLEASE REMOVE ALL NEGATIVE INFORMATION FROM THE XXXX XXXX XXXX  AND XXXX AS YOU AGREED TO DO!!!
Received a letter in the XXXX mail from Allied International Credit Corp. collecting for an XXXX charge. I do n't have any XXXX charges.
On XX/XX/2018 I disputed five enormous accounts on my credit file that I have listed below, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my rights according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also asked that they respond within fifteen days. I sent my letter through certified mail and it Was well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. The five accounts in question are listed here. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX.
XXXX is reporting a {$410.00} unpaid debt to Diversified Consultants. I contacted them, who said it is a XXXX account and that XXXX is in charge of the account. I contacted them and was informed it was in collections. I contacted the Collection Agency who said there was no record of this account and to contact XXXX. This a fraud account from XXXX for XXXX service at a Michigan address. I have been XXXX XXXX military since XXXX, and in XXXX I was stationed in California, so there is no way this account was mine. In XXXX I became aware of this and filed disputes with all 3 credit bureaus. XXXX and XXXX  removed it from my credit report in XXXX, but XXXX is still reporting it. I need this removed from my credit report.
You've paid off 44 % of your collection amount. 
Balance {$2200.00} Highest Balance {$4000.00} Opened XX/XX/2015 ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original Creditor Name XXXX XXXX APARTMENTS **I WAS UNAWARE THAT THE COLLECTION WAS SENT TO A COLLECTIONS AGENCY. WE MADE ARRANGEMENTS WITH THE LADY IN THE FRONT TO TAKE CARE OF THE CHARGES. WE LEFT HER OUR FORWARDING ADDRESS. WE WEREN'T TOLD OR GIVEN NOTICE THAT THE CHARGES WERE BEING SENT TO A COLLECTIONS AGENCY. THE COLLECTIONS AGENCY CALLED AND DID NOT STATE THAT THEY WERE CALLING IN AN ATTEMPT TO COLLECT A DEBT, THEY DID NOT VERIFY MY IDENTITY BEFORE THEY STARTED TALKING ABOUT MY ACCOUNT. THEY GAVE INFORMATION OUT OVER THE PHONE WITHOUT GETTING CONFIRMATION THAT ITS THE CORRECT PERSON ON FILE. I WAS NOT GIVEN ANY PAPERWORK LETTING ME KNOW OF THE RIGHT TO DISPUTE DEBT.
My complaint is against Navient, specifically their private student loan services. Early XXXX, I called and started the process to reduce my interest rate, which would reduce the monthly payment. Originally, they wanted around {$1200.00} a month, which is 50 % of my monthly income. When I first called, I provided them with my financial statement. Then, my co-signer called in and gave them his in-depth financial statement. My co-signer makes less money than I do a month and is unable to help me make the full payment. I can pay around {$600.00} a month. When I called the second time, I spoke with an employee named XXXX ( ID : XXXX ) and she processed my application. She spoke to a supervisor to get my application approved and I electronically signed a contract for an interest rate of 3.0. They automatically took out the money from my bank account and was told that I was good to go, that my application was approved. Later in the week, I get a call from XXXX saying that there is a problem and that I need to call back. I called back the next day to speak with XXXX and was told that XXXX no longer worked there ( She was fired ). The lady that I was now speaking to was XXXX ( ID : XXXX ). She said that the contract I originally signed electronically had to change because my co-signer 's fica score was average to high. XXXX talked with her supervisor and they suggested that the interest rate be risen to 3.5 in order to meet the guidelines of the contract. I signed another contract electronically with the new interest rate of 3.5 and was told that the application was approved. We set up automatic billing again with the new rates, which would take effect in XX/XX/XXXX. A few days later, XXXX calls my mother 's cell phone and leaves a voice. I tried calling back the following day, but they were closed. I called back the next day and was informed that XXXX was no longer with the company ( She was fired ). The man I was speaking with transferred me to his supervisor ( XXXX ) who informed me that my contract that I had signed electronically was void because it seemed like my cosigner has money even though he makes less money than I do. She asked if I want to go into forbearance and I stated no. She stated that my cosigner had to call back in to give his financial statement again. I asked if the interest rate needed to be higher to a 4.0 and XXXX stated no we ca n't process your previous agreement. This entire situation seems unjust and sneaky. Twice I have signed electronic contracts for reduce interest rates. Twice I have been told they are void. Twice have the representatives who have been helping me with these new interest rates been fired. Personally, I 'm living with a XXXX and trying to work full time as a XXXX in order to survive. I can only afford $ 550- {$600.00} a month and that is all that I will be paying a month. The company can either work with me or work against me. My cosigner will be calling at the beginning of the week. I plan on contacting them later this week and, if it becomes necessary, contact a lawyer. Everything that was stated over these phone conversations was recorded.
Equifax provided inadequate protection of my personal data including social security number, name, address, and birthday. As a result, this information was stolen. Equifax delayed notifying me in writing ( still has n't ). Their incompetence has greatly increased my risk of identity theft.
Mortgage company, Bayview Loan, are sending me statements and increasing my mortgage stating they are escrowing my tax. I pay my own taxes and can show it. One month they created a credit card on my profile at the town of XXXX website and made two payments on my taxes without informing me and then I paid these taxes as well. As a result there was an overpayment. I complained/spoke with the town of XXXX tax collectors office and set up monthly payments to the town of XXXX for my real estate tax. The town of XXXX reversed the payment that Bayview made, however Bayview is sending me statements charging me for taxes they anticipate they will pay ( even though I sent them a letter stating I do not want them to pay my taxes ), and are continuing to charge me escrow and increasing my monthly mortgage saying they are paying my taxes, when I am already paying them myself.
I applied for credit and found out that there is a collection on my credit report i called the company AllianceOne Receivables Management Inc. the girl on the phone looked up the account it was for a ticket in XXXX Wa. she said all I have to do is pay the {$130.00} so I gave her my debt card number and payed it, she the said it would be reported to XXXX XXXX as soon as the payment cleared and should reflect on my credit report in 15 days this was on XXXX/XXXX/15,, on XXXX/XXXX/15 i checked the credit report to find that AllianceOne had reported to XXXX XXXX that the debt is now {$240.00} I filed a complaint with XXXX XXXX about then taking my money and now reporting it correctly, and they said AllianceOne had no recored of my making a payment and closed the report, on XXXX/XXXX/15 I got a letter from AllianceOne asking for proof of payment so i sent it to them, then a week later I called and they told me never got it so today I went down to there local office and told the girl at the counter I was having a problem with a payment she looked it up on her computer and tells me that there is no record of this payment with my bank statement showing I made the payment in her hand says I will get the supervisor to look at it,, a hour hand a half later this woman come out and tells me that the payment went to the wrong account and makes it out that it my fault they credited the wrong account and stared giving me a hard time telling me that they will get round to it and someone will call me when they figure it out?,, all 3 of the costumer services reps at the counter were very rude and were laughing and making jokes that I was stupid if i thought they cared if my account got looked, at so i snapped 2 pics to document i was there so they ca n't say we have no record of it, ,then a few hours later i get a call that i caused a a disturbance in there office and not to come back or they will call the police, the building security camera will show i did not make a scene as he stated on the phone that i did