WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX turned my account over to a collection agency without prior notification or warning. A XXXX was performed in XXXX 2015. After insurance paid there portion, I received my first statement in XXXX 2015 where I called and asked to make {$50.00} payments toward the {$190.00} balance in which they agreed. Very shortly thereafter I was injured which resulted in XXXX for which I 'm still recovering. Having not received a statement for payment due, I had forgotten about this provider due to my incapacitation. In XXXX, I began receiving threatening phone calls and letters from a collection agency regarding an unpaid medical account. I responded to the collection agency asking for a statement describing the debt as they provided none prior to that time. On XXXX XXXX, 2015, I received a response for the collection agency accompanied by a statement from XXXX XXXX. From that point, I remembered the debt I owed but was concerned why they would turn a partial unpaid balance over to a collection agency without any prior notification or warning to me in advance. On XXXX XXXX, 2015, I telephoned XXXX XXXX and spoke with XXXX in the billing department. I asked why they would take such damaging action without me having notified me in advance of doing so. XXXX was rude and condescending upon speaking to me stating that I knew what I owed and should have paid the bill in XXXX when I made the partial payment. Because of her rude and sarcastic manner, I asked to speak with the Office Manager. The Office Manager advised both my wife and I that as far as she knew, there had been no payment plan and they made attempts to contact me before turning over to collection. Furthermore, because the account had already been handed to collections, there was nothing she could do as the damage was already done. 
Note : XXXX XXXX said they made numerous attempts to contact me by mail and phone, but no communications were received by me. Additionally, the first attempt to contact me by the collection company was successful. This shows that XXXX XXXX made no attempt to contact me as I would have received the mail and voicemail is always available on the phone number I provided to them. As per the attitude of XXXX, I knew about the debt in XXXX and should have paid it in full then. 
I do n't believe it 's fair to consumers to have their credit damaged by careless & lackadaisical persons empowered by businesses.
I. Hunt and Henriques sent me a letter dated XXXX/XXXX/XXXX stating 1 ) they had been retained by XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked Hunt and Henriques to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Hunt and Henriques on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by Hunt and Henriques regarding this matter. 


ISSUE : This firm stated they were retained by XXXX. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Hunt and Henriques in the letter are fraudulent and misleading, and intended to intimidate. Further, Hunt and Henriques has extended this fraud into court.
I have been trying to get this removed for a while now. I sent them a police report and they emailed me 2 weeks ago that it would be removed from my credit and it is still showing up.
I applied to refinance my home using my VA entitlements with JG Wentworth ( and XXXX XXXX XXXX as the loan officer ) and believe they were deceptive in their practices. I was initially told my interest rate would be 4.25, so I moved forward with the process. I later learned that they would have to raise the interest rate to 4.375. I complained and noted that I had another lender that would process the refi at 4.25 at which point XXXX  said they would match if I got them written proof, i.e. the loan  estimate from the other lender. Which I did provide. XXXX did match the rate but he raised the loan organization fees without consulting or notifying me. I decided to let them move forward as they reduced some of their other fees making it less expensive than the lender they matched. Then 2 days before I was to close on the refinance, I received a call from XXXX telling me there was a mistake and that I had to have 210 days aging in my current loan ( I had made 6 payments which is what I was told was the new VA requirement to do the refi ) and I would be unable to close on the refi until XXXX At which point XXXX sent out a new disclosure which again without my knowledge or consent included doubling the lender fees. Lastly, to make matters even worse not once, but twice they requested an urgent pay off request of my current mortgage which added fees to my account that I had to pay. I never authorized those transactions nor should I be responsible for those fees that they incurred. Due to these deceptive practices I move my refinance to another lender.
I did not finish my degree due to owing the school a balance. I owe this balance because I did not find out that my loan was denied in time to cancel my classes for that semester so therefore, i was charged the entire sum. I am making monthly payments. 
Also, since I am not working at the position that I went to school for, I am not making enough money to pay the monthly payment on my private student loan. I also have XXXX which doesnt help matters. I have tried to converse with the lender to get an income repayment plan for a much smaller monthly payment or redo my loan to get the time extended which would bring my payment down. They have denied everything but a 3 month forbearance. I appreciate any help you can give. Thank you
XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to XXXX, XXXX and Experian for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities
I was planning on attending XXXX University for XXXX 2010. At the last minute, I decided not to and contacted XXXX XXXX to not dispurse the loan funds to the school and I never signed a promissory note. XXXX XXXX still sent the money to the school. I advised XXXX XXXX that this was never signed and they refuse to help. They never provided proof of this signing as well. XXXX XXXX continues to tell me to get XXXX to send the money back, but it is their responsbility. I did not attend this school and I asked them to send the money back but they refused. XXXX XXXX is billing me for this fraudulent loan and the late fees and interest have doubled the loan to about {$20000.00}.
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
I am writing because last night around XXXX I got my usual deposit into my account. The amount deposited is in the screen shot I attached. I also still had around {$36.00} in my account. Bluebird has been down and the system is starting I'm {$510.00} negative due to there technical difficulties. However, I have to pay rent and if I dont get it in by tomorrow I may lose my place. I also can not use my card and I scared that something is really wrong. This is not fair to me being kept from my money and I am ending up with a bad situation due to this.
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Comenity Bank ( Express Next Card ), XXXX XXXX, XXXX XXXX XXXX, and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and suntrust bank account that made payments on these alleged accounts was opened and funded fraudulently.
I am trying to reinsert a deleted credit report " XXXX XXXX XXXX XXXX '' the company is trying to reinsert it with my consent and sent the report several times to transunion with reinsertion form, but transunion is not reinserting it, they are miss handling and not working according to the law. I have profe that they are recving it but they keep on saying the didn't recive it, pls see attachments.I have wasted lots of money and time sending faxs, mails, but the company keeps on ignoring and miss handling my credit report.
On XXXX XXXX, XXXX I transferred XXXX shares of XXXX ( XXXX ) out of my Morgan Stanley account into my XXXX brokerage account. All the shares were deposited, however the cost basis was never updated via XXXX. I have called and contacted both XXXX and Morgan Stanley since then multiple times, but I still do not have the cost basis. Currently I have a ticket open with Morgan Stanley ( # XXXX, opened on XXXX XXXX, XXXX ) but no one has followed up or resolved my issue. I ca n't sell these shares without proper cost basis as it will have tax implications. Please help resolve this issue!
XXXX XXXX is reporting XXXX mortgage accounts on my credit report that are in violation of the Fair Credit Reporting Act. They are reporting the last reported date as XXXX XXXX for the accounts below when the last late lates were made in XXXX XXXX. 

This caused me to get denied for a mortgage because it made it seem like I was late within the last year since the last report date was XXXX XXXX. 

The account numbers are XXXX and XXXX. 

There is no balance on the accounts and I even disputed this account months ago and they verified it as accurate which is not true.
I called transunion and told them that we 're fraud charges on my account I did not fill out for credit cards or auto loans they would n't delete them ask to speak to a supervisor they hung up in my face.
I made a {$200.00} dollar payment in XX/XX/XXXX. I forgot my payment in XX/XX/XXXX but have never been late on a payment to XXXX XXXX in the three years Ive had a credit card with them. I made my payment in XX/XX/XXXX on the XXXX. On XX/XX/XXXX XXXX XXXX field my account as delinquent which have decreased my credit score by 45pts over {$38.00} they claim to be past due. This is ridiculous and has hurt my credit standing with my other providers ; thus, potentially putting me into economical hardships while I plan my wedding. On XX/XX/XXXX I paid off the XXXX card {$250.00} dollars I would like my account rectified. This is awful credit investigation on XXXX XXXX.
OnXX/XX/XXXX and on XX/XX/XXXX I have personally mailed in 2 certified letter to XXXXXXXX XXXX.original creditor XXXX. The debt they have claimed I owe is $ XXXX.I have never signed any contract with XXXX. In my two letters to XXXX XXXX, I have requested that they validate the information and provide me with copies of any documentation associated with this account bearing my SIGNATURE! Which XXXX XXXX   have not provided. I have requested that they remove the negative information off my account, which they have not done. XXXX XXXX has sent me a letter validating that I owe the debt, but the documents still does not have my signature, which I originally requested for.
Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off. 

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to XXXX  to change or remove this information and yet it still remains. 

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!
AmeriHome Mortgage XXXX XXXX XXXX XXXX XXXX XXXX did n't escrow private mortgage insurance ( PMI ) on my loan since the inception of the loan which was 2.5 years ago. Now the company is claiming that we owe them PMI premiums for the past 2.5 years. They have put our esrow account in a negative standing and have increased our mortgage payment by over {$400.00} to cover the escrow advance. I have never gotten a written response or an explanation from the company on why they have done this. I have had numerous unsucessfull phone callls with them. Person on the other end of the line was never willing to help or able to help. I was always told that someone from their " escrow dept '' will call me w/in 5 days and I never received a call. I have sent XXXX certified mail letters and have never gotten a response.
I had a few accounts with XXXXnavient that were taken out during my XXXX studies between XXXX I have a few issues, XXXX being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. XXXX being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.
On Sunday XX/XX/XXXX I went to the atm at suntrust in XXXX  TN. I made a deposit at the atm that consisted of a {$100.00} check and {$1500.00} in cash. The machine froze up and ate my money and my card was stuck in the slot. So I pulled my card out with a pair of pliers and had to leave. Ive filed 2 claims now and went by the bank on Monday the next day XX/XX/XXXX. I was told Id get an email for temporay credit. Its now day 3 since the event and I still havent received one. So now on Wednesday XX/XX/XXXX I have just left the bank again after speaking with the branch manager. Once again he just made a phone call and I was told the same thing again its going to be 7-10 business days. Thats 2 weeks without the money I needed to pay some things with. This is total bank error and not my fault since the machine glitched on me. I need my money back as soon as possible I hope this will help.
I received an email from Experian that my address had been changed. I have this credit guard thing with them, got it free when they messed up recently. Well I tried to log into my account and could not, tried to change my password and username and could not. Their site is not working properly. 
Then I tried to call them, was on hold for over 30 minutes without anyone getting on the phone with me. 
I dont know what do do Im calling again now and have been on hold again for over 20 min without anyone responding to my call. 
What, I just let the people who changed my address get away with this. Nice job Experian!
I sent the attached letter to Equifax over 60 days ago. To date, they have not responded to me in any fashion.
I began the consolidation process with Fed Loan Servicing XXXX XXXX XXXX after XXXX. I called Fed Loan Servicing and spoke with a customer service representative. I asked what my student loan payments would be if I consolidated all of my students loans with XXXX servicing center and was initially told that payments would be between $ XXXX {$400.00}. At the time, I realized that I had many student loans and this would work for me. After completing the paper work, I was sent notification that I qualified for Income Based Repayment and that my payments would be approximately $ XXXX, a little more than I expected, which I accepted. I then received notification from XXXX that I had additional students loans and made arrangements to have those loans consolidated with the other loans through Fed Loan Servicing Center. In the meantime, I put my loans in forbearance and was scheduled to begin payments in XXXX XXXX but realized that my payments had increased from $ XXXX to $ XXXX. After speaking with several customer service representatives and XXXX supervisors, I was told by XXXX, the last supervisor ( ID # XXXX ) with whom I spoke, that the increase was because the servicing center had initially put my loans in the wrong program. I spoke with a customer service representative who admitted this ; however, I do n't think that she was supposed to admit it since I had spoken with XXXX customer service representative and a supervisor before her who did not indicate that a mistake had been made. XXXX admitted it only after I had spoken with her and demanded that she forward me to a supervisor. I was told that I did not qualify for Income Based Repayment because of a {$6000.00} Parent PLUS Loan that was included in the initial consolidation and that my account was put into the Income Contingent Program when the additional loans were added and Fed Loan Servicing recognized their mistake. I did not receive notification of this initial mistake. I did ask that the servicing center choose the lowest payment program in my initial application but would not have agreed to these terms because I can not afford it. I knew the payment would increase but I assumed it would be based on the Income Based Repayment program and that it would not almost double. I have asked if I can appeal the terms of the loan consolidation since Fed Loan Servicing admits they made a mistake and was told there is nothing they can do. They offered to continue to put my loans in forbearance ( every 90 days for 3 years ) until I can afford to pay the $ XXXX. I also asked that this company work on having customer service representatives provide accurate information and was told that they were sorry I had not be given the correct information. I would like to have the Parent PLUS Loan removed from the terms of my consolidation loan so that I can qualify for the Income Based Repayment program on the remaining loans.
I have already submitted a complaint that TransUnion is neglecting to close a disputed account through XXXX They have now LIED about the results being published as you will see here this is copy pasted from XXXX I now intend to take this issue before a Judge if this issue is not corrected - I have called TransUnion directly and they refused to deal with this issue in a professional way - Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Estimated Completion Date Status Details TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion Dispute XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays XXXX XXXX Reported on XX/XX/XXXX {$150.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Dispute Reason Accuracy : The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$5200.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX Reported on XX/XX/XXXX {$890.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$510.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 

As you see this dispute is still pending according to XXXX and that means TransUnion has LIED or are simplying trying to deny my rights to dispute inaccurate information on my report - Please TransUnion do the right and LEAGAL thing here and either close the disputes or delete the information -
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.