WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2015 I bought a Truck and my Score was XXXX. On XXXX XXXX of 2015 my score went down XXXX points and on XXXX XXXX my score went down another XXXX points and no one at any of the agency 's can tell me why. I do n't understand XXXX points in 10 days with no activity except payments made on my credit card and my truck. I had my credit cleared except for XXXX Items which are XXXX XXXX, XXXX XXXX, and XXXX ( XXXX ) which were settled over a year ago and my score has remained steady for that year.
These folks keep calling and are asking me to return a call about a debt that I owe however when I attempt to call them I am put into a never ending loop and I get to speak with no one. They have also put something on my credit report that I know nothing about but since I can not speak to anyone I can not get resolution.
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, KY has billed me just over XXXX dollars ( the amount changes based on whom you speak to ) for an ultra sound they conducted on me at my Doctors request on XXXX XXXX, 2015. At the time of service I paid my required co-pay. The Insurance company paid them approx. XXXX dollars less than the hospital wanted. It seems the hospital is trying to bill me the difference and has sent it to a collection agency called GLA collection ( XXXX XXXX XXXX XXXX, KY XXXX ). I have made payment arrangements with the collection company, but after investigating this I have learned that they are billing me for the difference. No one at the hospital told me that my insurance would not cover all the procedure. They took my copay and they took the insurance companies money for payment. Payment was given to them, and they do not have the right to collect more money, after agreeing to take the money given by insurance and me.
I have been contacting/attempting to contact XXXX XXXX of XXXX XXXX XXXX. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is allowed to speak to me.
I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims AAFES returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.
It was my first time to transact business with remitly inc to send money to the XXXX. The transaction took place on XXXX XXXX, XXXX. As part of their promo for first time clients the company 's website stated that the fee of {$3.00} will be waived as well as the dollar to peso conversion will be {$1.00} = P XXXX. I signed up and entered all my information including my debit card info. I made a transaction of sending the amount of {$600.00} to be converted to XXXX peso amounting to XXXX. Upon completing the transaction my receipt showed that the conversion was XXXX instead of the promised amount as stated. The recipient according to the receipt received an amount much lower than the actual conversion. I called the company and spoke with the rep and I was informed that it was an online oversight? And there 's no way that they can correct the mistake. The support team informed me that the difference in the amount will be added to my next transaction. I thought that it was totally misleading of the company to drive on the promo and then omit a disclaimer that there 's a chance that the promised amount will not go through after finishing the transaction.
I HAVE APPLIED FOR MORTGAGE ASSISTANCE WITH MY LOAN SERVICER - SPECIALIZED LOAN SERVICING ( SLS ). SLS HAS NOT PROVIDED TO ME A WRITTEN DECISION. IF THEY HAVE DECLINED ME, SLS HAS NOT PROVIDED ME A 30 DAY APPEAL PERIOD. IN ADDITION, SLS HAS DEMANDED THAT MY EX-WIFE SIGN A QUIT CLAIM DEED SO THAT SHE WOULD NOT NEED TO SIGN DOCUMENTS. MY EX-WIFE DID SIGN A QUIT CLAIM DEED AND IT WAS RECORDED. SLS HAS NOW REVERSED THEIR POSITION AND DEMANDS THAT SHE SIGNS DOCUMENTS. MY EX-WIFE HAS NO INTEREST IN THE PROPERTY AND WILL NOT SIGN DOCUMENTS. SHE HAS BEEN REMOVED FROM TITLE. SLS KNOWS THIS BUT CONTINUES WITH THIS ODD BEHAVIOR BECAUSE SLS PREFERS TO PROFIT FROM FORECLOSURES AND ENCOURAGES DECLINES ON APPLICATIONS FOR ASSISTANCE IN ORDER TO ACHIEVE THIS PROFIT OBJECTIVE.
I pulled my credit file and i noticed that i have 2 recent inquiries from XXXX Card that i did not authorize or request. I do n't know where and why these inquiries are on my file they are dated XX/XX/XXXX and XX/XX/XXXX I did not apply for any credit from CHASE CARD
THIS COMPLAINT RELATED TO CFPB CASES:XXXX XXXX AND XXXX pROPERTY SET FOR FORECLOSURE XXXX XXXX, 2015.XXXX REPORTS BANK OF AMERICA AS LENDER THEN REPORTS LSBO ( LOANS SERVICE BY OTHERS ) AS LENDER OF PROPERTY. Bank of America unable to procuce promissory note or mortgage deed. XXXX produced fabricated document which needs to be verified by Bank of America. Bank of America needs to approve that this assignment deed is support by Bank of America becuse this fabricated deed use to foreclosure on property not owned or without document of lender. 
REQUESTING BANK OF AMERICA TO STOP FORECLOSURE SET XXXX XXXX, 2015. 
Bank of America submit COPY of original promissory noteBank of America submit COPY of mortgage or deed of trustBank of America submit COPY of all assignments of mortgageBank of America submit COPY of endorsementsBank of America submit COPY of deed of trust transferBank of America submit COPY of sale of property to Bank of AmericaBank of America submit COPY of sale of property to LSBOBank of America submit COPY of Servicer Letter of XXXX XXXXBank of America submit COPY of document to order this foreclosureDID BANK OF AMERICA SIGN issue documents to approve foreclosureBank of America submit COPY of XXXX employed by LSBOBank of America submit document of XXXX employed by LSBOBank of America submit document of XXXX XXXX Bank employed by BOA
My credit profile indicates an account that was settled through a court opinion. The documentations was submitted to all credit agencies. However, the reporting agencies are still reporting the account incorrectly. 
The following information still is present on my credit profile. However, this account should state {$0.00} due based on attached documentation. 
XXXX XXXX XXXX Account Type Home Equity Line of Credit Account Status Closed Opened Date XXXX XXXX, 2007 Closed Date -- Limit {$32000.00} Term -- Monthly Payment {$290.00} Responsibility Individual Account. 
Balance {$31000.00}
I asked for relief after XXXX XXXX, and was told I could skip a payment with NO penalty. Now, I finished the priginal schedule ( my last payment was XXXX ). So all I should have left is the payment I was allowed to miss. But instead of the standard {$140.00} payment to pay off the loan, they are saying I owe over {$400.00} to pay the loan. 

I ahve no issue with payin the {$140.00} I was told I could pay at the end of the loan to satisfy the loan, But I 'm not paying {$260.00} extra in fees when I was expressly told I could miss that payment because of the hurricane.
To CFPB I am writing to dispute and Complaint about Negative Unverfied and anauthorize, Collection Company Highly negative impact on my personal credit report Erroneous collection reporting to all 3 credit Repositories, XXXX XXXX  and XXXX intentionally places by the Collection Company XXXX XXXX, on or about XX/XX/XXXX, for unpecefied amount This companies hires 3 party Collections companies that as employed harrasment tactics to try and collect anauthorize unverfied debt, they claim I owe Unspecified amount but yet I was never informed of this alledge unverfied Accounts, XXXX XXXX employed Predetory Collection practices continue phone calls no proof of contract or Signiture or application no Verification of debt was ever sent to my home via USPS the Fair Debt Collection Practice Act 15USC 169q2 ) Sec809 ( b ) that there claim is disputed and validation Letter was sent to XXXX XXXX Certified Mail In XX/XX/XXXX.the Letter stating It was not a request for Verification or proof of mailing address but a request for Validation made pursuant to the above name title and Section please note this unverfied Collection has impacted my good credit standings severly damaged to and lowering my Credit score severely I am XXXX Military Veteran this is a Hardship to my self and my family trying to obtain financing because of the Detrimental Collection placed on my credit file by XXXX XXXX , Relevant to this hurtfull continued Phone harrasment to my self and family members they continue there Phone calls and frequently change there Collection tactics, My family And I feel Violated by Predetory acts, with no regards to privacy a Defamation act tactics very stressful event on my consumer rights to challenge such a flagrant disregard they listed a Derogatory And mark my credit reports as a Collection, With prior notification or veryfying this claim, XX/XX/XXXX to XX/XX/XXXXone year and they never legally provided proof in writing to my residence.I am Requesting that they contact the 3 CRAs Repositories XXXX, XXXX, And XXXX  And emedietely Delete this erroneous entry in my credit report.. thank you for letting me post this complaint.
I have disputed this with central states recovery and the school who placed the debt in collection I was enrolled in classes and my classes were not dropped and I were charged the debt agency has not provided any information disclosing my obligations to pay this amount in collections Also the agency still has the account as in open status reporting in my XXXX credit report which this was removed from the other credit reporting agencies This account should be removed from my credit report and I should not owe any obligations to the creditors placing to collect the debt I provided a copy of my credit report from XXXX  were it was on my credit report and it was removed I provided a copy of my report in XXXX  showing the account Is in open staus This account is not in open status XXXX XXXXXXXX is reporting inaccurate information on my credit
In response to the XXXX security breach, I attempted to place a freeze on my credit report with XXXX and TransUnion and got messages from both that it would cost me {$10.00} to do so because I live in Virginia. This is XXXX. XXXX did n't charged me to place a freeze on my credit. Furthermore, this whole mess is XXXX XXXX fault. XXXX is the one that allowed this breach to occur and it should pay for all consumers to protect themselves and any losses they incur as a result. I should not have to pay XXXX XXXX or TransUnion 's {$10.00} charge and I wo n't. So, if my credit is stolen as a result of my inability to place a freeze on my credit I will be suing both XXXX and TransUnion along with XXXX.
I have inquiries on my report that I did n't authorize. I called trying to get them off and no help
RE : Credit Inquiries Experian Credit Report There must be another person with the same name as me. There is inaccurate credit inquiries on my credit report. I am not aware of the credit inquiries circled on the credit report attached. 

Please provide me documentation bearing my signature, so that I can validate these credit inquires. 

I am requesting the documentation from credit companies, if they fail to provide me the documentation bearing my signature, then they must delete the account from all the reporting credit bureaus. 

Please address this matter within five business days of receiving this letter.
I sent the credit reporting agencies Equifax and XXXX, the police reports, documents from the courts, alone with a fully executed fraud package document and all the other documentation required to block an account that doesn't belong to me. The account Is XXXX XXXX XXXX XXXX. Instead of removing or blocking the account, it was put in dispute status. By law this trade line was suppose to be off the credit file within 48 hours of receipt of the documents submitted.
Looking over my credit file, On XX/XX/2018 there was a hard inquiry put onto my account. I did not authorize said inquiry with the company XXXX. This is fraud. I called the company a few months back they said they would remove It. I looked today XX/XX/2018 and it Is still on my file.
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possibl
I applied through XXXX XXXX of XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside XXXX. I received an email from Upgrade and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that Upgrade and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from Upgrade or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed Upgrade sent XXXX emails to me, dated from XXXX to XXXX. It was on XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from Upgrade. I contacted Upgrade and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XXXX. The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.
I 'm a victim of identity theft and fraud accounts was open in my name I never authorized nor gave permission or had any knowledge of also my XXXX account was ran up with charges I did n't authorized nor had knowledge of and XXXX card. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and charges from XXXX XXXX XXXX XXXX. I 've always kept this account in good standard now there are charges I never authorized.
I am writing in response to Collection XXXX because I do not believe I owe what you say I owe. This is the first I 've heard from you, or any other company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. Kindly also remove this item with immediate effect. Henceforth I ask that this, be removed from my file with Immediate effect.
XX/XX/2018 at approximately XXXX. Received robocall from my XXXX area code ( caller ID was ( XXXX ) XXXX saying to press " XXXX '' to speak to agent regarding debt. Transferred to " XXXX '' claiming to be from XXXX XXXX XXXX in XXXX. Attempted to collect money for payment of a credit card with Citi bank that had been closed 6 years ago. Called number back and same woman answered with " hello '' and I asked questions such as " where are you located, why am I getting an XXXX number for a phone in XXXX '' and woman hung up on me.
I traded my XXXX Toyota 4runner in on XXXX/XXXX/XXXX. The payoff check was cut on XXXX/XXXX/XXXX. My last statement shows that my next payment was due on XXXX/XXXX/XXXX. This check was clearly not 30 days past due which is what Toyota is reporting to the credit bureau. I contacted Toyota as soon as I realized that they had not posted the payment to my account. I was told this would not effect my credit report because they did in fact have the payment on time. I called the following 3 months and was told each time that my credit report would be fine as they did have the payment in hand. In XXXX I pulled my report and found they had reported a late payment. I mailed my dispute to the credit dispute research team who never contacted me back. When I called again to follow up I was told there was no one I could talk to, but they would send a note over letting them know that I had never received a letter regarding the investigation even though the investigation was closed and they had determined I was at fault. I have never in my life missed any payments and their representative had no further suggestions for me to be able to get this scar removed from my report. She simply said my payment was late and they were required to report it and that I need not go on and on about it. Given that the balance was paid in full on this account shortly after the " late '' payment I would think that a request to remove this late payment would be granted give then circumstances and evidence provided. I also contacted XXXX during the course of the confusion who also called Toyota and was told this would have no effect on my credit report. Shame on Toyota for your terrible customer service.
This creditor will not update my PAID collection with XXXX, despite my numerous attempts to contact them. They absolutely refuse to update XXXX or to give me the time of day now that I 've paid it.
The credit bureau are reporting me late. according to my mortgage company they never reported me late. Please take careful time looking into this. This is hurting my family sincerely. We have muliple lates and collections on our report. Please delete our loan mod was in XXXX we where paying on time and never late. never had collections we pay our bills. please XXXX is watching us. please help its effecting our childrens tution we need to borrow to send our son to XXXX. our first child we came from a poor family please XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lates XXXX how can this happen " XX/XX/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 '' " XX/XX/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 '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX ''
I have requested validation/verification of debt in the amount of XXXX and XXXX that XXXX XXXX is saying I owe. These debts are not my debts. I have requested proof of these debts to no avail
In XXXX/XXXX/XXXX I transfer {$2600.00} for 0 % promotion rate until XXXX XXXX. At the same time I had another promotion for 0 % rate until XXXX XXXX, and also I was using this card for my daily purchases. Every month I was paying whole amount that I spend on my daily purchases to avoid interest, but my bank use my monthly payments to cover FIRST - XXXX promotion 0 % rate ; SECOND - XXXX promotion 0 % rate ; and after they start to charge me 19.99 % APR even though I still have 0 % promotion rate on XXXX until XXXX XXXX. I did contact bank several times by the phone and in person, but they always had different explanation. After I submit my complain to your agency, I received letter from XXXX XXXX XXXX, Customer Advocate, Enterprise Customer Care Resolution. In this letter he state " Additionally, you accepted a 0 % APR offer until statement closing date in XXXX XXXX for direct deposit and check cash advanced for {$2600.00}, which posted on XXXX XXXX, XXXX. '' I will scan you this letter and my prove that 0 % promotion rate on {$2600.00} was until XXXX XXXX. I called XXXX XXXX XXXX several times, but he NEVER return my calls. I just do not understand how " Customer Advocate " allowed to be dishonest and ignorant.