WillisBack/dataset-financial-user-claim huggingface dataset:
I have received several calls from Data Check of America and from a law office ( XXXX XXXX, I believe ) regarding a check I apparently wrote to California XXXX University, XXXX XXXX in XXXX. The total amount they say I owe, including their fee, is {$170.00}, approximately. They are threatening to take legal action if I do not pay. 

I have called XXXX XXXX XXXX at XXXX XXXX on the matter and they told me that they are not pursuing any debt from me, that they can not pursue any debt more than XXXX XXXX XXXX, and that they would not take anyone to court over a debt so small. XXXX XXXX does not refer debts to Data Check. They are currently using Credit consulting Services. In the past they went through XXXX XXXX until that company disbanded and apparently disappeared. XXXX XXXX has received ten similar phone calls and believes there may be more unreported. 

I have no supporting documentation, despite the fact that Data Check says they have sent me several letters over the years. In a phone call today, XXXX/XXXX/XXXX, They gave me a last chance to resolve the debt before starting paperwork to take me to court. In a previous call they wanted me to set a court date. When I asked them today to tell Data Check to send me some documentation, they told me they were " not going to play this game anymore. See you in court. '' The phone calls have not been abusive, but threatening ( I would consider talk of legal action " threatening ).
On XXXX XXXX, 2015, we terminated our service with XXXX/XXXX and returned our equipment as directed. We were told we would receive our final bill shortly. On XXXX XXXX, we received our final bill from XXXX for {$51.00}, after the applied credit to our account of {$130.00}. The bill due date was XXXX XXXX, 2015. I immediately paid our bill on XXXX XXXX for the amount owed. On XXXX XXXX, 2015, I received a call from XXXX demanding payment of the {$51.00} plus fees totaling {$67.00}. I explained to XXXX we were NOT delinquent and had paid the bill on the date received. XXXX said we need to take it up with XXXX. We called XXXX and attempted for for over XXXX hours, most which was on hold to talk to someone who could straighten this out as my credit is now negatively affected. Customer service agents pulled up our account and said they did n't understand why we were referred to a collection agency. We never received an answer, we referred to several departments within XXXX including " Internal Collections '', none of who could answer why they referred our account to collections. 
This illegal act by XXXX is outrageous and callous. We have been good customers, always paying our bill XXXX days ahead of the due date, now we have this attack on my good credit.
JP Morgan Chase, the issuer of my XXXX XXXX card charged me {$25.00} late fee because they claim I did not make the minimum payment of {$25.00} for the billing cycle ending XX/XX/XXXX on time. This is a false claim. My total balance for the previous cycle ending on XX/XX/XXXX, was only {$60.00} but I paid {$200.00}, meaning I had {$140.00} credit with Chase to be applied for the next month, XX/XX/XXXX. Chase recorded the {$200.00} payment on XX/XX/XXXX. During the next cycle I used the card for other purchases for a total of {$360.00}. Chase applied the {$140.00} cash credit from previous cycle and my balance came to about {$200.00}. So, the {$140.00} of my money that I had at Chase was used and credited toward my XX/XX/XXXX billing cycle. Therefore, I had the peace of mind that I did not have to worry about the minimum payment and did not make one. However, Chase still charged me late fee because they claim that even though they had my money and that money was used as a payment to my account that does not count as a payment. This is unfair business practice and I am sure I am not the only victim of this kind of creative accounting by Chase. In my view since at the beginning of the billing cycle I did not owe anything on my account and actually Chase owed me {$140.00} then they can not claim and late payment against me during the next cycle.
XXXX XXXX University is very Incompetent and I believe have some fraudulent practices in processing student financial aid. They are claiming that I owe them close to 3,000 which I am unsure for what. At the time I was receiving Federal Financial Aid Assistance and Federal Student Loans. Therefore my Financial Aid should have satisfied my payment for classes. They have sent me 3 different statements all of which has the same date ranges but all have a different amount that is due. I have repeatedly asked for a Full Accounting Statement showing all aid and all payments since I started school there but have not received them. I was enrolled in my last class for receiving my XXXX XXXX XXXX and had to a leave for an family emergency. I approved me for the leave but when it was time to re-enroll in my class they would not allow me to enroll. Although this class was already paid for by my Financial Aid & Federal Student Loans.
I DISPUTED SOME ACCOUNTS THAT I DO NOT OWE TO. I DISPUTED WITH XXXX AND XXXX AND EQUIFAX, I WANT THESE ACCOUNTS DELETED ASAP, I WILL SUE IN FEDERAL COURT, AND I ALSO FILING A XXXX   COMPLIANT, DELETE ALL ACCOUNTS FROM CREDIT REPORT ASAP
BBVA Compass reported to my credit a derogatory charged off loan even though the vehicle was paid off in an insurance claim. They have lied and ruined my financial status, I have been denied credit and have spent over 100 man hours trying to get this banking institution to fix this
I am a XXXX ; in NY on XXXX XXXX I applied with my wife for a us macy 's XXXX ; ihave no XXXX BUT I HAVE a XXXX ; I provided my identity - a XXXX driver 's license and I authorized a credit search ; I have never had credit problems I got a letter dated XXXX XXXX saying I can not get a Macy 's XXXX card but only a Macy 's card as I am not a resident of the XXXX I feel discriminated based on my national origin ; I have a XXXX American credit card and XXXX XXXX XXXX credit cards issued respectively by the XXXX and XXXX
I owed XXXX a balance of {$290.00}. They sent it over to source receivables for collections. I went to XXXX on XX/XX/18 and the employee called corporate and they agreed to consolidate it and i pay half to have my services restored. I paid {$140.00} on XX/XX/18 and they restored my service. This debt is resolved and paid yet still on my credit report and I want it removed
Today is XX/XX/XXXX. I have a payment due tomorrow, XX/XX/XXXX, which is a XXXX. 
I am attempting to pay right now, but " FedLoan Servicing, '' some kind of Dept of Education contractor I think, will not allow me to make a payment on the weekend. This is absurd. The payment is being made online, so they should allow it, but they do n't allow users to select a date that is a weekend. 
How can they make the due date fall on a weekend, but then not allow someone to make a payment on the day that it is due? I am probably going to get hit with fees, etc, because the website literally wo n't let me make a payment. It 's a website. This is 2016. They made the payment due on a weekend, so they should accept payments on the weekend. 

Additional Details : The website requires that select a date that the payment will go through on. But all the dates that happen to fall on a weekend are " grayed '' out. You ca n't select them. They also do n't allow payments to made with debit cards.
On XX/XX/2018, I contacted Experian about the errors that they are reporting on my credit file. In a detailed letter. I received a letter back that that they did not remove these errors from my credit history. Told them that they have eroded addresses, error employers, and eroded telephone numbers
I have previously submitted a dispute request to the bureau in regards to account reporting incorrect payment history or no payment history the bureau didnt remove the accounts although nothing was provided to be to confirm the account were verified or even my accounts ... I have enclosed proof from the creditor which confirms no information was verified to the bureau
XXXX  and TransUnion are reporting I have a tax lien reported by the XXXX XXXX County Recorder. The County Recorder DOES NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and a serious breach of my privacy rights.
In XXXX XXXX I began receving installments invoices from Wells Fargo Dealer Services with varied payments amounts sometimes twice per month, not consistent with my normal monthly payment of {$310.00}. I did not panic but continued to make payments as stated on the monthly invoice as listed below : XXXX {$150.00}, XXXX {$130.00}, XXXX {$270.00}, XXXX {$100.00}, XXXX {$270.00}, XXXX {$230.00} and XXXX {$180.00} ( my last payment ). To my surprise, in late XXXX I received a letter from WDS stating that my account was charged off and is in collections. Now mind you, I never got a call to inform me ( like most reasonaly business would do ) of this issue over the course of XXXX. So, I called WDS and was told I must pay them {$3000.00} plus dollars to bring my account current. They said they are not culpable for any mistakes made, invoice are mailed as a courtesy and I should have continued to pay my installment of {$310.00}, not what the invoice stated. They concluded that I am 358 days past due despite my payment history listed above and I pretty much brought this on myself, therefore they are not culpable. What casued the problem? In XXXX the began posting another customer payments to my account and still continue to do so. I received an invoice in XXXX, XXXX stating that my balance is {$440.00} and a payment of {$180.00} is due, which I paid.
On XX/XX/XXXX, I submitted a complaint number XXXX against CITI BANK. I opened a dispute last year against XXXX XXXX XXXX for {$1200.00} which was a partial hold of the original amuont {$2200.00}. I then took the case to small courts claim at XXXX County General District case. The judge advised the merchant to give me a partial refund of the {$1200.00} and in return I was asked to close the dispute to make the {$1200.00} available to the merchant. The {$1200.00} was posted on my account as PAID to " XXXX XXXXXXXX XXXX XXXX XXXX XXXX '' on my XX/XX/XXXX statement and I paid the total amount of the bill to CITI BANK. In late XXXX, I received a letter dated " XX/XX/XXXX '' confirming the dispute was actually closed as per my request on XX/XX/XXXX and {$1200.00} was released to the merchant. One week after opening a complaint at Consumer Financial Protection Bureau I received a phone call from XXXX XXXX confirming the case was closed and she sent me a letter by mail dated XX/XX/XXXX that the {$1200.00} was paid to merchant 's bank. Yesterday, I received a notice to appear in Small Court Claims of XXXX County on XX/XX/XXXX because the merchant claims they did not receive the {$1200.00} yet plus {$910.00} in fees and interest!. If this turned to true that CITI BANK failed to pay the merchant their {$1200.00} I will proceed with suing CITI BANK for all the trouble they gave me since XX/XX/XXXX, otherwise CITI BANK has to send me the date, transaction name, merchant name and bank name to where the {$1200.00} I paid went to and when it became available to the merchant and wether it was collected by the merchant 's bank. Of note, I tried to reach out to XXXX XXXX at XXXX twice yesterday XX/XX/XXXX and left a voice mail to call me back, I have not heard back from her yet.
Allied Interstate called multiple times a day but would not disclose the nature of the call or refuse to let me know the purpose of the call. They asked for the owner of the company and have they done their research, we are a corporation with a parent company in XXXX. 

These people will not stop calling and was really pushy after repeatedly being asked for details of the call.
XX/XX/2016 I applied for the XXXX Plus Credit Card by Chase shortly after received a letter asking to provide proof of physical address and DOB which I faxed over and a few week laters when I called got a confirmation that they received it on XXXX XXXX. By this a lady from the Credit Dept stated that I would be receiving a something in the mail. I asked if I was approved or not and she just replied you 'll get something in the mail. A week later no mail I called again and was told that I was mailed a letter to confirm my identity ( why could n't they tell me this the 1st time ). At this point the male mentioned that they will mail me another - I also asked to speak to a manager & was told that I will get a call back within 24-72 hours ... no call back ... a week later I called again which they put me on hold for over 50 mins ... I hanged up and called and was told a manager will call me back. 

It 's over 60 days from the day of my application over 45 days from the day they confirmed they received my pending requirements and still no word or nothing.
XXXX, I am enclosing a response from ABR Recovery Services LLC stating an Account # XXXX from XXXX that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an XXXX card since XXXX and this account does not belong to me. Please read the response below from ABR Recovery Services LLC and verify the accuracy. Thank you : To Whom It May Concern : Mr. XXXX is referring to a different account number. ABR Recovery Services, LLC account number for XXXX is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. Mr. XXXX tried to remove himself from XXXX two times. Thank you In response to ABR Recovery Services, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. XXXX is the original creditor and I will await their response to this matter. 
Thank you!
My mortgage company originally told me that my loan was modified. My new balance was supposed to be {$41000.00}. My mortgage company is now telling me that my balance is over {$76000.00} and they have increase my payment by {$300.00} a month. I believe they are incorrect and I want my balance reduced to the amount that was agreed upon in my loan modification agreement.
Equifax, nor the other 2, offer any opportunity to lock or freeze minor children 's SSNs. Even Equifax will not do anything to protect minors even due to their hack. How do I protect my minor children 's SSNs which have been part of the Equifax leak?
XXXX XXXX for the XXXX XXXX store account was not sending my statements. I was submitting payments every month to cover the minimum and some additional monies towards the principal. I thought my account was in good standing until my account was froze to further spending. When I called I was told I owed {$110.00} in late fees and {$11.00} past due? I was confused considering I was paying more then what being asked every month?
I disputed an account reported 30 day late on my credit report they have not updated it, both XXXX and XXXX have already done so. COMENITY BANK/VCTRSS reporting 30 day late for the XX/XX/XXXX i have attached the letter from XXXX which i have uploaded to all XXXX credit bureaus including equifax.
XXXX XXXX XXXX is showing on my credit report as a collection and I checked and they are not registered with the Secretary of Ohio to be able to collect this debt as I have resided in Ohio for the last year. Ive contacted the credit bureau as well as the agency and they have failed to remove the collection.
XXXX and transunion both are reporting inquiries to my credit report that are not mined. I am a victim of identity theft and I've sent a copy of the police report to XXXX   by fax and received a confirmation that it went through, they're claiming they have not received it. Transunion provided me a fax number that the confirmation confirmed was a poor line and was not successfully submitted, they advised me to mail in a copy, but at this point I dont have the time as I am going through escrow, I've worked with them to remove all inquiries that do not belong to me and to no avail. both have provided me confirmation numbers XXXX # XXXX Transunion # XXXX
I purchased my home in XX/XX/2002 for XXXX and after 15 years XXXX different mortage companies my payoff is even greater now at XXXX than it was 15 years ago. The first company was XXXX to XXXX and now Nationstar Mortage. I feel as if their has been so mortage fraud between the life of my loan with the multiple transfer
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by FLURISH INC. , XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
original loan was XXXX months. I wanted to pay off in XXXX months. sent extra money to make this happen. XXXX did not apply funds correctly.XXXX stated it would correct matter, would refer to an analysis. instead they discharged my loan. XXXX would not explain why. told debt collection. contacted XXXX ombudsman. they said could not help. went to an attorney, said wait until they put a judgement against you. mean while debt collection wants to garnish wages and take income tax refunds.
XXXX Credit Bureau - Bank of America - Paperless client - Paid off the account in full, waited two weeks and looked again and still paid in full. Bank of America failed to notify me that I owed any pending accrued interest. They waited until my account was past due before they sent a letter. I paid off in full as soon as they told me. All accounts that have principal paid in full should notify the client with letter of any accrued interest coming due instead of waiting until delinquent to issue a letter of past due account. Why should anyone accept a paperless billing ( saving paper etc ) when the bank uses it against the applicant at closing of the account.
Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7, almost 8 years of having to fight for my identity back. I am asking that all three credit companies, XXXX, XXXX, and Equifax update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.
I sent a certified letter to XXXX XXXX on XXXX XXXX, XXXX to verify a debt they are reporting on my credit report. All they sent me was a letter and an old telephone bill. They did not send any of the requested information in the letter. I also sent this information to XXXX, XXXX and XXXX. They all stated the collection was verified, but did not state how it was verified or what information was used.
The specific problem is that via   XXXX   XXXX   &   XXXX   XXXX   XXXX    3.0 scoring methodology, I saw my credit score drop from  XXXX  to   XXXX    in a very short period of 2 weeks, and when I called and spoke to a   XXXX   XXXX   rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop (   XXXX   XXXX   XXXX   score   XXXX   ;   XXXX   XXXX   XXXX  7  XXXX  ;   XXXX   XXXX   XXXX   score  XXXX  ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely,   XXXX   XXXX