WillisBack/dataset-financial-user-claim huggingface dataset:
Allied International Credit Corp I  received a letter on   XXXX   XXXX   stating that I owe a debt to  XXXX . The current amount due is stated at {$240.00}.   It says to   XXXX   XXXX   the money, or send them a money order. They provided a reference number and also a representatives name that is handling my case. However when I called it was not the female listed on the page. It was a foreign gentlemen who insisted that this was a legitimate company and that I have to pay them the money. I asked if they can even prove if this was my debt. First of all, it was sent to my house and address but the name was not my name it was my fiance 's name. Secondly they asked for my social security number which I did not give for obvious reasons. Third, the man threatened that my fi ances credit score would be affected by this. Fourth, I do not know of any  XXXX  debt He r or myself owe, as she ha s one   account with 1 feedbac k for an item that she purchased last year. Obviously there is no w ay one purchase of a  {$8.00} gift is somehow being mistaken for some {$240.00} debt. She paid for that gift with   XXXX   and everything went fine with positive feedback on both ends. She is worried and wants to pay the debt because of there threat that it will hurt  her credit score ( we are  applying for apartments and in the future will probably need a car loan ) I am however extremely skeptical as I believe a debt this large should come along with more than a letter just stating this amount is owed and pay them within 30 days. Should n't there be correspondence proving the debt is true? Should n't there be an attachment stating from the original company that in fact we do owe this amount for this reason and so on ...   I have no idea what to do, and I am also worried if this is legit if they will somehow be able to hurt he r credit score o r mine. I do n't know how they could but the threats that were made were pretty convincing. However my attempts for more details about what this was and proof that it was actual ly one of our d ebts were dodged and the person on the phone kept saying that I need to pay it within 30 days to avoid credit problems..
I had a mortgage with JPMorgan Chase. My mortgage account number is XXXX. On XXXX XXXX I requested my payoff quote. I paid XXXX XXXX I made a payment for {$960.00}. Which was taken as FEES. The bank was keep calling me for the payment. On XXXX th I again paid another payment for {$1000.00}. Though I did n't owe any money in XXXX. They complained to credit bureau stating I am late. Credit bureau reduced my point. They sent me a refund of {$.00} for the overpayment of the payoff. In fact they are stating I had pay two months extra payment they collected. Obviously my payoff quote is also more amount. Can you please help me to get the right amount refund. If you need any documents I will glad to send fax or email.
My XXXX Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX.  I was contacted by the collection Agency for XXXX XXXX ERC for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with ERC and was told that XXXX Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. XXXX Bank is not reporting accurately even after making my settlement amount. ERC has collected the whole settled amount for XXXX Bank but XXXX Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with XXXX Bank.
I 'm having a hard time understanding how both XXXX and TransUnion are violating the FCRA by not blocking these XXXX accounts within 4 business days after the receipt of my letters. I wrote last month letting them know that I 'm a victim of identity theft and that I require these items to be blocked and removed immediately and absolutely nothing happened! I sent my letter, identification, affidavit and police report and it makes no sense to me how they can just disregard this information! 

The account I 'm disputing with TransUnion is : I did n't apply for this, I did n't open this, I did n't do it online or in a store. This is NOT my account! This is a fraudulent account and must be blocked immediately XXXX XXXX I did n't apply for this, I did n't open this, I did n't do it online or in a store. This is NOT my account! This is a fraudulent account and must be blocked immediately XXXX
I received a phone call from a Debt collector from Colorado ( phone # XXXX ) and I asked them to Stop calling. ( They've got the wrong person!!! The XXXX calling Itself XXXX with XXXX XXXX called me back and left me a lengthy, DEMANDING message giving ultimatum that I should Call XXXX xt XXXX TODAY to talk to her! The XXXX said this message is for " XXXX XXXX ''. I am NOT that XXXX they are looking for, This is NOT XXXX  or XXXX XXXX # there may be a Last name resemblance but not all XXXX XXXX XXXX are the same! They probably dug my # from the Internet thinking I am related to the debt owner that did not pay it's debts. I have a perfect credit with 800+ score and pay my bills on time, I don't owe anybody jack! This XXXX  better STOP BOTHERING ME and calling my Cell repeatedly for some XXXX XXXX debt. I am Not providing my address or email or phone number in the required fields as I don't want the debt collectors to access my other personal contact Info and gain more ways to contact and harass me. This is a Complaint to let you know that the WRONG person is being Harassed by debt collectors..
We have 8 student loans with MEFA for my XXXX daughters. We have always had issues from the start about being late, behind or in default of our loans even though we have been paying the on time, and in most cases more than the minimum. MEFA sets up multiple loans for one person and expects separate payment on each and every one separately. That was never explained when we opened the loans and all the money we were mailing in was going to one account and none to the others under the same umbrella loan #. 
MEFA then sold our account to XXXX and then to XXXX and now to XXXX. Each time, the loan numbers were changed and the auto payments that my daughters were making were now going to a generic loan where they used the funds to first pay all interest and then spread payments randomly across all loans even though the payments were coming from separate bank accounts and going to specific accounts to help pay down the principle. 
We contacted MEFA, XXXX, XXXX  and now XXXX and this continues to happen to a point where my daughters are not able to keep up with all the changes and are constantly told their loans are delinquent, in default and are being sent to a collection agency, even though they are automatically paying on time and over the amount required. 
It is criminal how these loan servicing companies are managing over {$310000.00} of my daughters college debt and ruining my daughters ' credit rating. There is no one to escalate too who can address these recurring issues and no state board or legal entity to oversee these firms. MEFA is pillaging and plundering our children with loan shark terms and rates ( 7.9 % ). It is truly criminal how irresponsible MEFA and the loan servicing companies are with our youths future.
On or about XX/XX/XXXX, I noticed on my 3 credit reports that a debt that was included in a bankruptcy CH XXXX ) was being reported on the 3 bureaus. I reached out to the company Receivables Management concerning this, asking for them to validation this was indeed my debt and requiring them to provide me competent evidence bearing my signature showing that I have or ( ever had ) some contractual obligation to pay them. They responded by sending me a copy of a bill, with out my signature or any evidence linking this to me. I watched my credit reports to see if per Federal and State Laws they commented that this account was in dispute within 30 days of them being notified ( they did not ). I then sent them another letter advising them of this on XX/XX/XXXX and again on XX/XX/XXXX no response as of this date,
Theft Incident : Federal Student Loan What is the name of the lender or loan servicer for the fraudulent loan? 
Great Lakes Name of an agency representative that you spoke to : Great Lakes Agency 's phone number : XXXX Agency 's email address : If you know, tell us when the account was opened. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Account number : XXXX
I had service performed at XXXX XXXX  ; XXXX, OH from an original estimate on XX/XX/18 paying {$2500.00} in advance. This work was performed. When I picked the car up on XX/XX/18 I was given a bill for additional service dated XX/XX/18 for {$780.00} that I was unaware of and did not authorize ( no authorization signature ) for new tires and a inner tie rod end. I left not realizing they were a mismatched set and not the size specified for this vehicle. 
I went back to XXXX XXXX on XX/XX/18 with my brother to dispute this charge. I was told I would be given a 50 % credit for the tires because I had originally left with them on the vehicle. Since I felt this was unauthorized service to begin with I did not accept this offer. I told them I would take it to another shop to get a full set of the right tires. They said fine, bring the tires back and they will give me 50 % credit. I declined the offer again and said I would take it up with the credit card company. 
I went to a XXXX 's XXXX XXXX XXXX that same day. They told me that the installed tires were the wrong size and load range for this vehicle. XXXX was a mismatch brand. They replaced with the proper tires. 
I returned the mismatched set of tires with my brother to XXXX XXXX later that day. Their in house printer was not working so they could not give me a printed return but wrote one out on a sheet of paper. No refund was given at this time. 
I contacted my Credit Card Company, XXXX XXXX MasterCard on XX/XX/18 about this matter. After the tires were returned I contacted them again. They opened up a dispute ( Case # XXXX ) on XX/XX/18. I sent them all the pertinent paperwork. 
I am now being told by XXXX XXXX that MasterCard is not accepting the written return receipt because it does not meet their requirements. 
As of now I do not have the tires ( I do have the unauthorized work ), and XXXX XXXX is charging me this full amount ( {$780.00} ).
In XX/XX/XXXX I lost my home to foreclosure. There was a XXXX and XXXX mortgage, both held by PNC ( aka National City Bank ). XXXX mortgages were recorded. 6 months after the foreclosure, I was contacted by PNC as to how I was going to payoff the XXXX mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX 's for XXXX the XXXX and XXXX and filed them with my XX/XX/XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XX/XX/XXXX XXXX XXXX contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as XXXX XXXX, XXXX reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from XXXX a XXXX Mortgage Discharge for this XXXX mortgage that was XXXX in XXXX. I 've heard and read multiple places of this criminal activities by XXXX XXXX which has been closed down by the Feds, and now is XXXX XXXX doing exactly the same criminal things.
Dispute with XXXX failed to remove an inaccurate 30 day late with BMW Financial Services. Instead, BMW updated the tradeline with an ADDITIONAL 30 day late across all 3 credit bureaus. I have disputed the tradeline again, with screenshots from my bank statements that show electronic payment dates - no payment was 30 days late.
I have 4 Stafford loans that have been eligible for loan forgiveness for the last 12 months, but Navient never contacted me to indicate that I may be eligible. I, therefore, paid about {$3500.00} in student loans that could have been forgiven a year ago because I am a nurse and have worked in a XXXX hospital for the last 36+ months ( now 48 months ). It seemed as though Navient did not want me to learn this information. There were 4 steps to get to the link with the Care for XXXX Nursing Loan Program information on it. Also, unless a client were struggling to pay student loans, I do n't think that they would typically go looking for loan forgiveness programs, such was the case for myself. I feel as though Navient should reach out to its clients who qualify or may qualify for these programs to let them know.
My employer is listed as the employment date is wrong. I started working @ XXXX in XXXX XXXX, not XXXX, as listed.
I called commonwealth financial at XXXX CST on XXXX/XXXX/2015 The agent said thank you for calling commonwealth asked me how I was, I responded I was blessed could n't complain. I then proceeded to advised i had paid the balance of XXXX through the automated system and that I was requesting my release. The rep proceeded to say you balance is XXXX dollars to combat me, without verifying my identity or giving me the mini miranda, both against the fdcpa standard. When I advised the rep of this the rep hung up in my face. I called and requested a manager so that I could advised I would be reporting the incident.
The amount of the check was for {$1700.00} the amount in the account was {$1300.00} the account did not have enough money to cash this check. I put down for 2 mortgage payment instead of 1 my fault. This amount is over NOT by {$100.00} or {$200.00} or {$300.00} but over {$400.00}. The check should of went in as a NSF {$36.00} charge to the account and not cause my account to roll over and over with NSF fees. I am requesting that the NSF fee be removed from this account. This will not happen again I 'm putting my mortgage on auto pay.
USAA BANK is not an average bank, its an average insurance company, no they are above average ; meaning they XXXX, liars, sinners, and work closely with all the XXXX of theivery, I am building a huge case against them, i have several letters from regulators agreeing with my finding after USAA BANK Was investigated. They can not be trusted, they buy their BBB credit rating and no doubt pay for their positive feedback cause I never met ONE PERSON who has not had same issues as me, they are disgusting and I refuse to let go of what they did to me, I hate them. After being robbed of all personal belongings, and idenity theft several times, and even with police reports and witnesses, the bank and insurance company USAA, closed XXXX of my savings accounts with {$7500.00} and kept the money, they also in over XXXX areas never paid out on insurance claims. They also illegally reported credit card to collections. I have proof that I put a lot of time in to trying to work with them with no effort on their end as well as I have phone messages by them that go against what CALIFORNIA and LAS VEGAS INSURANCE investigated. As well as many other issues.
Stearns Lending , Inc., XXXX XXXX, CA. 
This company 's satellite office in Arizona has absolutely NO sense of urgency, and total disregard for their clients ( the buyers ) and also the sellers. 
Claiming to have not received or misplace information, as an excuse. 
People have lives to live and also have time lines to follow, setting up places to live, movers, disconnecting utilities, packing, etc. 
Underwriters, had claimed all is good, and over two weeks later still looking for paper work, still stalling! 
It took a Cure Notice to finally get them to perform, someone needs to be held accountable in this office. 
The purchase was almost lost, due to lack of concern for others. 
Would highly recommend staying away from this company.
do not recognize this collection company, and not aware of any public service bill owed. I have called the company but no one answered.
I was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from XXXX Credit reporting.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY. XXXX Im not residing nor do have any more information about the property or the residence of the site that this company claims to be issuing me a warning about usage of some sort of service. Im not sure they have noticed that services were not in my name and they have been non cooperative to show me a proof or provide legal documents that XXXX XXXX received or is legally allowed to receive US Mail for any notification at the above address. They have the intelligence to inform me that they have communicated with someone else on my behalf. They claim the conversation is on a call recording. Are you going to admit that you are braking privacy law? Did XXXX XXXX receive any certified mail by you?
I was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact XXXX, Transunion and XXXX to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported XXXX on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for XXXX years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you.
A communication was received by XXXX XXXX XXXX XXXX that is not mine and I do not own this debt. I would like to get the issue resolved before the items is placed on my credit report and damages my credit worthiness. Amount is for XXXX, I have no idea where this debt came from, as I have fraud protection on my accounts which would/ should require the creditor to contact me ( this was never done ). The other amount is for XXXX
I checked my credit report and noticed that I have  XXXX  account in collections with  XXXX   XXXX   XXXX  . I have no knowledge of ever obtaining this debt.
{$1000.00} of fraudulent charges were made to my Citibank card on XX/XX/XXXX. After reporting the fraud on XX/XX/XXXX, Citibank reversed {$940.00} of fraudulent charges on XX/XX/XXXX. 

After closing the card and reopening a new one on XX/XX/XXXX, Citibank has not removed the last {$100.00} in fraudulent charges after stating that they would apply a credit to my account within 3-4 business days. Citibank has told me that they will charge a late fee for the minimum amount due that is late, even though it is a fraudulent charge that a customer service representative claimed they would remove. 

I have been told conflicting information from various representatives : pay the minimum amount versus do n't pay the minimum amount, there 's nothing customer service can do versus the fraud department can not do anything because it 's a customer service issue. 

I 'm not sure who to contact because Citibank 's customer service team seems to be unaware of who to contact in order to remedy this situation, and that I will be forced to i. pay a late fee on a fraudulent charge, ii. pay the balance for a fraudulent charge or iii. use Citibank 's 1 time waiver of the late fee for a fraudulent charge that they can not remove in time.
Americancreditfinance XXXX calling threatening to deliver papers to job after already over paid the installment loan. They are saying I owe another payment. Will not allow me to speak to Supervisor. The guy who threaten me keeps answering every extension saying supervisor not available.
On XX/XX/2018 I used a credit monitoring service to review my credit as I am about to purchase a home and found several erroneous accounts dating back to XXXX. I have not opened or authorized anyone to open accounts with 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX  8. XXXX XXXX 9.XXXX  XXXX XXXX 10. XXXX XXXX XXXX in my name at any time.
This particular account was sold to midland funding The account in question is over seven years old and the collection agency Midland Funding practice illegal credit reporting practice this account was removed by this company days later they put it back on my credit file I have experience the taking off and on at least 3 times I took screen shots for the record of this unfair advantage that they have over the consumer
Hi, My Name is XXXX XXXX, i have unauthorized hard inquires on my credit and i have now fraud on my report someone applied for credit benefits and i did complaint already to XXXX and removed all of them, but now XXXX and transunion don't removed so i contact each creditor who made this hard inquires and effect my credit and no answer from them and have now fraud alert 90 days at 3 agencies bureau