WillisBack/dataset-financial-user-claim huggingface dataset:
I have been receiving phone calls at my employer. Transworld systems are asking my employers my personal information for a defaulted XXXX loan. I verbally requested for them not to call my employer as I have updated my contact information. I also called my university, Michigan XXXX University to confirm that they are the debt collector, however the amount requested is not what TransWorld systems is requesting. My loan is for {$5100.00} with interest. Transworld systems is attempting to collect {$5500.00}. I 've spoken with XXXX, XXXX, and XXXX and was given the run around as well as being hanged up on when I requested for a payment plan. They said they do not take payment plans which I know is incorrect. I do not feel safe nor comfortable with this debt collector harrasing me at my job. I 've tried calling them several times to make payment arrangements and no one answers the phone.
I have old or out dated information appearing on my credit report that I need deleted/removed it is mot accurate. 
My name is XXXX XXXX XXXX please remove any variations of my name. 
My current employer XXXX XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
On Friday XX/XX/XXXX, my payroll department issued me a paper check rather than depositing it into my checking account. I did not know this until Saturday, XX/XX/XXXX. At this point, I had overdrawn my account. I called the bank. I was assured that, as they have an overdraft rewind program, I would be fine as long as a deposit was made before XXXX XXXX the following business day. That is today, XX/XX/XXXX. 

I made a deposit Sunday morning via ATM to cover the overdraft and a transaction that was outstanding by had not posted. 

In the meantime, Ive been assessed {$70.00} in overdraft fee. Theyve posted the transaction that wasnt showing as of yesterday on FRIDAY. None of these transactions posted before the close of business on Friday. And now Im holding my breath to see how many Ill be assessed. 

As I get paid weekly and am a single mother, this could very well translate into not being able to afford groceries this coming week. 

I have called Wells Fargo. I have emailed. The best they can do is {$8.00} and some change. I have requested a supervisor. Ive requested his supervisor. Ive currentl been holding for 30 minutes on what was a 3 minute wait.
My previous apartment complex XXXX XXXX XXXX located in XXXX XXXX Florida did not notify me of any debts remaining after moving out of their complex. I now see a balance in collections of XXXX dollars. At no point in time was I made aware or given the opportunity to dispute these items as several of the charges are invalid. I had to call the apartment complex AFTER this had been added to my credit report to see a summary of charges, which again, several I want to dispute but did not have the opportunity to do so.
Dear Sir/Madam : Please note : I am filing a new complaint due to the fact that my previous complaint, XXXX was unable to be verified to to a lack of information. I called your offices and they suggested that I file two new separate complaints, one for each of the credit reporting agencies that I would like to dispute with. So to be clear, this is a new complaint, and not a duplicate. 

I am requesting your assistance to clear up my credit report due to an inaccurate collection placed on it recently. Kindly allow me to provide some background information below : I paid {$150.00} because I discovered the apartment management at XXXX XXXX had forwarded my claim to the collection agency, however, this does not mean I accept the claim. In fact, I completely disagree with this claim, and it is absolutely unjustified, erroneous, and unfair. I just wanted to get this issue resolved and off my mind so that I could pay attention to real issues and other priorities in my life. 

We have tried reaching out to the credit bureaus and asked them to correct the discrepancy. Attached are the letters that I have written to all three credit bureaus, and also to the apartment complex XXXX XXXX. Kindly look into this matter and take appropriate action in accordance with laws to clear my credit history of this negative remark and collection at all the bureaus. I am in a process of buying my first home and this is negatively impacting my credit score and my ability to secure a Home Mortgage Loan. 

XXXX has already removed this off my credit report, I am requesting that you contact Experian on my behalf and further investigate this matter. Thank you very much, and I look forward to your prompt attention to this matter. The letter from XXXX that states they have deleted this remark is also attached.
I was notified through a credit alert that a new collections was placed on my credit report. I contacted the collection agency to explain that I never received anything in writing that I owed this debt. I was told this account was open in XX/XX/XXXX and the account was in a name I havent used since XX/XX/XXXX. I have never lived at the said address associated with the account. Also I filed Chapter XXXX in XX/XX/XXXX and if this was a debt I owed it would have came up way before now. I would like the error to be removed from my credit reports now. The collection agency only wanted to talk about how I was going to pay the debt and not provide me with a letter to validate this debt Original Creditor Name XXXX XXXX XXXX XXXX Amount due : {$120.00} Opened XX/XX/XXXX ( 1 mo ) HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX
On XXXX XXXX, XXXX, XXXX billed me {$48.00} and {$42.00} on my XXXX Capital One credit card for merchandise I never received. Capital One showed a merchant credit on XXXX XXXX, XXXX. 
Capital One shows a credit to me on XXXX XXXX, XXXX Capital One has rebilled me TWICE on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
This means that Capital One has billed me for money the merchant owed me. 
I spent 2 hours on the phone on Sunday XXXX XXXX, explaining that Capital One credited me once and debited me twice, so that Capital One collects {$48.00} and {$42.00} from me, wiping out the XXXX credit. 
I still pay for {$48.00} and {$42.00} for merchandise I never received. 
Capital One refuses to acknowledge that the merchant owed me the credit and they should not have debited me twice.
On XX/XX/2018, I paid in full a debt from XXXX XXXX XXXX XXXX XXXX over the phone with CMRE Financial Services, at XXXX. The amount was {$120.00}. I was told that it would be removed from my credit report but it is still showing up under collections. When I followed up with a call recently, they were very unkind and responded as if they could not follow through with removing this from my report. Please help! 

Their website is http : //www.cmrefsi.com/
hello this is a continuing problem we had with this bank and this company we field complain after complain about them and nothing is being done we had problem with the items we purchased from pep boys there way of fixing was we owe XXXX out of which XXXX are late fees we iformed them of our situation and where promised that late fees will be taken off the still reported us late to credit agency
I am registered .with XXXX XXXX. In the last10 days, I have receive multiple noticesof new inquires on my credit report from XXXX and Equifax. 
I have not consented any financial organization or automotive group to perform a credit inquiry. 
I am concerned someone is attempting to use my SSN.
I sent {$2200.00} dollars to XXXX XXXX of XXXX Missouri for a car that was supposed to be delivered to me within XXXX days. I never received my product. Therefore, i got scammed.
On XX/XX/2018, at approximately XXXX I made contact with XXXX XXXX and XXXX XXXX. Neither company was helpful and stated that although it was not an application that I filled out that they were authorized to pull my credit report 5 different times. 

I never authorized hard inquiries. The website on lending tree stated clearly that it would NOT effect my credit score. However, it surely has ... .my score has dropped dramatically as a result of this ... I encourage anyone that has had this issue to start a lawsuit against both companies.
Please be advised for many years now I have been disputing XXXX and it keeps coming back verified! My issue is I want to know the first time I was ever delinquent to XXXX meaning the first time my bill was not paid on time which will be the first time delinquent. It is not reporting as it should because they are reporting this as a retail installment and should abide by the rules of the FCRA and report the time I was first late! If they did this it would be past 7 years and this would no longer be on my report!!! It would be way past the 7 year mark yet they are making this sound so recent!!!!! 


Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Utility Company Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term -- Monthly Payment {$530.00} Responsibility Individual Account. 
Balance {$530.00} Highest Balance {$530.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due {$530.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks Collection account Payment History Latest Status : Collection/Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX F M A M J J A XXXX O XXXX D XXXX Unknown CO Collection/Charge-Off XXXX XXXX Days Late
My loan was sold to Bayview Loan ServicingXXXX I received a debt verification, dated XX/XX/XXXX, on about XX/XX/XXXX. As I have been, I mailed my monthly payment ( XXXX ) and also responded to debt validation by indicating XXXX, my former servicing agent, along with XXXX XXXX XXXX, was aware that there was a misapplied payment, posted to my second loan which was closed by XXXX sometime ago. XXXX XXXX XXXX sold my load with the situation under reviews, XXXX took my loan, and even though advised, did not do anything, and in XX/XX/XXXX, stated the matter was " under review ''. Now once again, my loan is with another service who not only tells me I 'm 30 days behind but also has demanded that I pay monies that were placed at the end of my loan through the mortgage settlement. I have seen my credit report repeatedly damaged, and have spent countless amount of time trying to rectify the matter. I am hearing impaired and have asked that written correspondences or even email be used to no avail. I have a caption phone that works most time, and also provides a transcript, one which acknowledges XXXX stating the matter was under review. Now Bayview, though, I have confirmation that they have received my payment has not updated my account or credited my full payment. I have seen so many complaints on Bayview, I am concerned with the matter. I have worked extremely hard and overcome many, many obstacles. I am not behind, and at the writing of this complaint owe for the month of XXXX. I do not dispute that I owe various fees, but not al the necessary {$15.00} fees for listing my home in default, while utler ignoring my dispute of one payment. I even became so distraught I offered to pay half the payment spread across my loan for six months, no answer from XXXX. I simply want resolution and to not have to spend my time, or Bayview 's time bring about a battle that should not exist. I respectfully request that this matter be moved for resolve though crediting my account of some agreeable terms. Thank you
I secured a conventional 30 year fixed mortgage for my Mother in XXXX XXXX for {$90000.00} ( less than XXXX the appraised value ) on her home here on XXXX XXXX, MI to help pay for my brother 's XXXX treatment. The mortgage was transferred to XXXX within one month and remained with them until this past XXXX XXXX when it was tranferred again to and new servicing company Specialized Loan Servicing ( SLS ). This is when the problems started. The notice of transfer was received by me on or around XXXX XXXX, XXXX XXXX weeks after the last payment was made to XXXX on the first of XXXX XXXX for the original monthly amount of {$680.00}, which included escrow amount for property taxes and hazard insurance. On or around the same time ( XXXX XXXX ) I also received a payment statement from SLS for the next payment due XXXX XXXX, XXXX, however the statement showed an additional {$30.00} late fee for a payment that was n't due for another two weeks. I contacted SLS by phone, but he representative said he could not talk to me because I was not the original borrower. However, I had been authorized by XXXX seven months prior ( XXXX XXXX ), because my Mother passed XXXX XXXX, XXXX and as sole heir I was appointed Personal Representative of my Mother 's estate by XXXX County Probate Court o in XXXX XXXX. Thus I resubmitted my Mother 's Death Certificate and relevant court documents to the new mortgage servicing company SLS. This took place in mid XXXX XXXX, but I never received a response regarding the {$30.00} late fee. 
Then my payment went up to $ XXXX/month and XX/XX/XXXX/XX/XX/XXXX I was notified that my monthly payment ( on my 30 year fixed rate mortgage ) was being increased by a $ XXXX month to accommodate and $ XXXX deficiency in my escrow account. When I called to inquiry I was not given any explanation because the customer service agent was not privy to any information and did not connect me with someone qualified to answer my inquiry. I double checked the Premium for the Hazard Insurance which had not increased and then I checked the local township clerk 's office for the current property tax amounts, which had actually gone down by over {$200.00} annually starting XX/XX/XXXX. I have not had a good feeling about this company since they acquired the mortgage particularly when I searched you site and found a lengthy list of complaints against SLS by individuals whose mortgages were being serviced by them. Because I have not seen any documented disciplinary actions by any regulatory agency I am also submitting this filling and supporting documentation ( including time stamped emails and faxed comumincations with SLS regarding these concerns ) with both State Attorney General 's Offices in Michigan and Georgia, the Federal Attorney General 's Office, and the FTC ) I also have the intention of submitting this to printed media ( i.e. XXXX ) and digital media ( i.e. XXXX, XXXX, XXXX, XXXX, and other pertinant blogs ) I
I looked over my credit report and noticed this company was on my report for a {$560.00} from XXXX XXXX XXXX XXXX. I have no recollection of this debt and I requested verification and a PFD as this being on my credit report is affecting me negatively and theres NO proof it is mine. The company has not responded to any written correspondence Ive sent and has never sent me any proof that this debt is valid.
My repayment amount is {$140.00} and some change. They changed my auto pay to match that amount. My income based repayment plan was supposed to start on XX/XX/XXXX instead of XX/XX/XXXX. They said my bill for XXXX was {$330.00} and some change. I am set up on auto payments. Why did they only take {$140.00} instead of the supposed amount due of {$330.00}?? This caused me to be late saying I owe them {$190.00}. I did not want to mess up my credit so I sucked it up and payed an additional {$190.00} on XX/XX/XXXX even though I am on income based repayment and could not afford the additional amount. I am extremely frustrated with how they handled this whole process. They messed up application several times for income based repayment plan and I think thats why my bill is so high forXX/XX/XXXX. I filled out my part correct. It was completely on them mishandling my form. I want answers. I want my {$190.00} back. And I want them to say I was never late on my payment. I pay all my bills on time and this was their error.
Hello. I am writing in reference to incorrect information placed on my credit report. My name is XXXX XXXX, Social Security Number XXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The information placed on my credit report is in reference to a medical bill, for {$150.00}, by XXXX XXXX, titled XXXX, dated that it was opened " XXXX XXXX, XXXX ''. There is no account number presented on my credit report, nor is there any contact information for the hospital. The hospital is located in Maryland. This medical bill/account does not belong to me. I did not receive any medical service from this hospital during that time period. I have been living in XXXX XXXX, CA for the past 4 years, in which my credit report also shows my address as being in California. I disputed this information to all 3 credit agencies and XXXX and XXXX both found that there was not enough evidence to prove that the account belongs to me, therefore, they removed it within 2 weeks of my dispute. However, I have made the same dispute to Equifax, twice, and they still refused to have it removed, even after I called to ask them what proof was presented to prove that the bill belonged to me. The representative could not explain, just stating that the hospital had my name and date of birth. I then replied that they may have that in their database as they do with anyone who may have visited the hospital in the past. I have not visited that hospital in over 4 years. I have no other " negative '' nor derogatory information on my credit report besides this one hospital bill, which I know is clearly a mistake on their behalf. Also, I had never received a letter from them. I also contacted the hospital to dispute the charge and they told me to write them a letter to dispute and stated that there is nothing can do because they " sold '' the account to a collection agency. I asked what she meant by sold, she refused to answer. I asked her how could they sell someone 's personal information and do not have the proof needed to prove that they have the correct person. I stated to her that people use others information to receive medical treatment. She then stated again that I would have to contact the collection agency or credit agency. I wrote the letter and faxed it over and then was told two weeks later, when I called back to follow up, that they never received it. A different representative then stated that I needed to go through the collection agency or credit bureau because it is out their hands. I am requesting that this information please be removed from my credit report as it does not belong to me. And again, this is the only derogatory information on my credit report, which has caused a decrease in my credit score. Thank you so very much for your time and I look forward to hearing back from you soon. 

XXXX XXXX
XX/XX/2018 - Sent communication to Diversified Consultants to verify debt with original contract as I do not recall having an account with them nor XXXX. 

XX/XX/2018 - Received a letter from Diversified Consultants with a printout of the bill, however that does nothing for me as someone could have taken out this account in my name, online. 

XX/XX/2018 - I received a letter requesting a fraud affadavit. I didn't ask for this, however needed clarification before proceeding with the fraud process. 

XX/XX/2018 - Sent another letter requesting proper verification of the account. I received only a printout of the bill, however didn't get an original agreement, verification that XXXX authorized them to collect on my behalf, nor did I receive a copy of the verification documents used to confirm my identity upon activation of this account. 

XX/XX/2018 - I sent another letter requesting information again as I haven't been getting the necessary help I request to resolve this account once and for all.
In XXXX, I noticed a collection account from this company on my credit report, which I have never received an initial letter from stating they are collecting on this debt nor containing notice of my right to dispute the debt. Per the credit report, they stated they started collecting on this debt in XXXX 2015. I sent this company a letter and they never acknowledged receiving this. They have willfully violated the law.
DirectExpress gave SSI funds to a car rental company ( XXXX ) vs having the funds available for use, living expenses. I did not have knowledge of any dispute or outstanding debt I supposedly had with any merchant. The first cpl times I called in I was told XXXX had a dispute with me. None of it made sense to me. I had leased a car for 3 days in XXXX, but now they are keeping my SSI monies in the negative initially For - {$3900.00} and keeping my checks to pay off this negative amount. Which would be another 6 months of me negative XXXX balance. Due to their mishandling of my Monies -i am now homeless and suffered a XXXX. I am more then slipping thru the cracks, I have slipped - I 'm all the way down. I need someone to advocate for the funds that I 'm legally entitled to as well as the fact that my benefits are federally protected. Ever since I 've contacted them on XX/XX/2016 they have played games with me. The first dispute they never sent me any information on. They always pretended they were going to send me the dispute packet until their 45 days of investigation had ended, then I received a denial letter. So I wrote a complaint to the Treasury dept. The next thing I know I get a phone call from a man named XXXX at the email address : XXXX. He 's lead me to believe he was acting on my behalf, opening another dispute and asking to jump thru another hoop. I 'm writing to ur agency to ask that u would on my behalf give them a swift kick in the but. XXXX has done the same thing, left me hanging onto hope that this matter would be remediated and he was working on my behalf wherein he 's done the same protocol. Having me hang on and be hopeful and then close and dismiss my dispute. He knowhat SSI funds are federally protected and that I 'm doing every imaginable thing to survive this major set back. XXXX and DirectExpress know they could come at my Dispute from a number of directions yet they choose not to. I was so happy to find ur organization, and some of the cases uve worn in the courts. If any agency could be helpful to my situation. And the sooner the better. Allow me to thank u now for any all work u do on my behalf. Sincerely, XXXX pH : XXXX DirectExpress Tracking ID : XXXX
The account was the responsibility of my former spouse XXXX XXXX XXXX ( XXXX ), she is responsible per the court order dated XXXX XXXX 2015 Superior Court of California , County of XXXX, Judgement Case number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( Any and all remaining balance to XXXX XXXX Card ending in XXXX ) is the SOLE responsibility of XXXX XXXX. The Judge order states : '' Any and all remaining balance to the XXXX XXXX Card ending in XXXX and any and all debts incurred by her, Defendant, after the date of separation. This order is a matter of public record and I have provided by mail copies of such to XXXX, TransUnion and XXXX. The reporting credit bureau. refuse to remove this collection from my credit report. As an employee on a XXXX XXXX I must pass security clearance checks.This is a serious threat to my continued employment. Please help. I can provide copies of the judgment upon request.
I am filing this complaint due to Experian failing to remove a paid and closed account from my credit report. I paid an amount of XXXX to ( XXXX XXXX ) XXXX XXXX XXXX XXXX in XXXX of 2016 and was I was advised that the account would be removed from my credit report. I have disputed this info numerous amounts of time advising Experian to remove the account but they are refusing to remove the account. XXXX and XXXX removed the account immediately after it was paid, I am demanding that Experian do the same and remove this account from my credit report.