WillisBack/dataset-financial-user-claim huggingface dataset:
This morning I received a call from Avante USA a debt collector. They stated that I owe a debt from XXXX XXXX XXXX XXXX from XX/XX/XXXX. When I explained to them that I have never receieved a bill for this they stated they have no control over that. I said I was n't paying it and was then told that they have n't yet but they will put it on my credit report. I then asked to speak to a supervisor and he stated that they just received this account on XX/XX/XXXX. I explained to him that I was going to contact the original debtor to inquire about why I never received a bill. He then stated that I could not contact them and refused to give me XXXX XXXX XXXX billing phone number. I advised the supervisor that I was certainly contacting them anyway. When I contacted XXXX XXXX XXXX today they state that the account number referenced by the collection agency has a XXXX balance. I then was transferred to the group that handles the physicians billing to double check if I owed them anything referencing the account number from the collection agency. They too, stated that there is a XXXX balance on my account. While speaking with both departments within XXXX XXXX XXXX I asked what collection agency they use. Both departments gave a different name than Avante USA. So Apparently this collection agency is fraudulently trying to collect money from customers on accounts they do not owe. When I called them back and explained that I have a XXXX  balance on these accounts, and that I was recording the call, the lady got nervous and hung up on me after stating she was also recording me.
I am showing that my credit score dropped by 72 points. 
I have no late payments and continue to pay the account payments due. 
I would like my score to be restored as I am in the middle of seeking better employment opportunities and also qualification of a new home. This came out of nowhere please provide assistance. 

Also American Express closed my account without any reason while I was on credit protection I am trying to have that account reinstated, and they forced me to run my credit to apply for a new account when the original account from XXXX should have never been closed as I made all payments on time and elected to use the American Express Credit Protection Benefit while I was XXXX. 

Why was my account closed. I need to have that account reinstated as that is one of the oldest accounts and would also help my credit report show my credit history. 

XXXX account was also closed and I did not not close that account that account was opened in XXXX and like the American Express account had a XXXX balance with no late payments. Can you please assist me with resolving these issues. 

Kindly, XXXX XXXX XXXX
A company called Amcol Systems appears multiple times on both my XXXX and XXXX credit reports. I have no idea who or what this company is or who this company represents as this company has not sent me any type of communication as to who they are. They just all of sudden appeared on my credit reports causing some negative damage.
I had a balanced due to a doctor the balanced was discharged with my bankruptcy which was filed in XX/XX/XXXX and discharged XX/XX/XXXX. The account was transferred to XXXX and XXXX XXXX XX/XX/XXXX. I advised the company it was discharged during bankruptcy procedure. XXXX and XXXX XXXX continue to pursue this payment and has posted it on my credit report. I have been disputing this company since XX/XX/XXXX with the credit reporting bureaus.
In regards to : First Data Corporation ; XXXX XXXX XXXX XXXX, XXXX is a registered ISO of XXXX XXXX XXXX, XXXX, XXXX, CA ; XXXX XXXX XXXX, XXXX XXXX, NY ; and XXXX XXXX, XXXX, AL. Review First Datas Legal Policy. 

This company processes the credit card payments for all of my customers. I have a dance school and I charge my customers monthly per their classes. It has been over one month that First Data Corp has frozen my money in which they now have explained there was a red flag payments they collected and wanted an explanation. In which I explained to the lady named XXXX XXXX that my students/customers leave their cards on file in which we have authorization in writing from each of them authorizing each charge and to leave their cards on file. First Data Corp has told me that their affiliated/referred company which is the software company that I use has registered my account as not allowing for credit cards to be hold on file. 

I need for someone to please investigate this issue because all they tell me is that their company is the biggest in the country for credit card processing but half of the time they don't give me a correct explanation. I have around {$8000.00} - {$9000.00} frozen and have to use my savings account to make sure my XXXX  can get paid this month. 

This is very frustrating as I am a XXXX  XXXX XXXX XXXX that I have to deal with this credit card processing company not trying to solve or work with what needs to be done so I can have my money that my XXXX paid me.
On XX/XX/XXXX, I called Fairway Independent Mortgage Company to inform them that we were filing bankruptcy and that we were going to do a reaffirmation of mortgage with them. We never missed a payment with them and were current with our mortgage payments. On XX/XX/XXXX, the reaffirmation was docketed with the courts. We paid the lawyer, paid the courts and then got a bill from Fairway aka XXXX  for our XX/XX/XXXX. bill that we owed {$120.00} for their legal fees. I inquired about this several times, but not one person would speak to me about this. They referred me to their attorneys who also would not speak to me. Paid the {$120.00} on XX/XX/XXXX -- then saw another {$120.00} added to our billing statement for XX/XX/XXXX. I called and they said we owed {$140.00} now, They could not account for the extra {$15.00} or now another {$120.00}. We were NEVER billed for anything but the original {$120.00}. I spoke to a supervisor today who informed me that we were billed for more legal fees in XX/XX/XXXX. I asked her if this was going to happen every month and she did not know. I asked her why we got no billing statement about the extra {$140.00} and she did not know. I filed a dispute with their company, but I am sure nothing will happen with that. I feel completely discriminated against by Fairway because we filed bk and because we got the reaffirmation agreement. I want to know why we are being gouged for more money when we paid the {$120.00} that we were billed for. How can they continually add on more fees without telling us what they are for?

copy of email from Fairway : Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next days. Thank you for allowing us to be of service to you.

Subject First of all, our bankruptcy has been discharged and we have a reaffirmation ...

Response By Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) RE : Loan Number : Dear Borrower, Thank you for your recent inquiry regarding your loan. We apologize that we have been unable to respond to your message within our standard processing time. We regret any inconvenience this delay may have caused.

Please be advised the payment in the amount of {$120.00} was processed on XX/XX/XXXX.

If you have a question and would like to speak with a representative, you can initiate a Chat session by Live Chat, send a secure message by selecting Ask a Question.

Thank you for providing us with the opportunity to assist you.

Sincerely, XXXX XXXX E-mail Support Representative
It is due to great concern that I am filing this formal complaint against Specialized Loan Servicing LLC. Im writing to inform you that despite numerous opportunities to give me an explanation as to why my escrow has been increased, I paid it in full to them anyway with out delay. It was sent to them on XX/XX/XXXX and cleared my account XX/XX/XXXX. The shortage payment showed on my XX/XX/XXXX-XX/XX/XXXX statement. Despite making this payment they have still yet to apply it to my escrow and have been utilizing my on time payments to pay into the escrow now telling me that because my payments are not sufficient, they now are suspending them and not paying anything. You can see the details of this on my XX/XX/XXXX statement that is now showing a payment owed of {$3800.00} vs. {$1700.00} payment I have always paid. Whats even more disturbing is that the only thing that has changed is that my taxes have gone DOWN. My taxes have gone from {$3600.00} to {$2800.00}. Again, no one can explain to me why I now have the shortage. Also, doing the math they said my shortage was {$650.00} but if you add the difference of what they are charging me monthly at {$230.00} X 12= {$2800.00}! Who is doing the math over there? Im very very concerned as a consumer and concerned that they are carrying my loan. None of this makes any sense and they can not explain it to me. Despite calls to them in XX/XX/XXXX, XX/XX/XXXX and the latest XX/XX/XXXX for nearly two hours. Your help with this is truly appreciated. I have attached proof of the following : *escrow shortage check clearing *Taxes going down *Insurance staying the same *My payments being made on time *the escrow shortage request *their continued demands in their statements of charging me like the shortage has still not been paid
I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX consumer XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and eastern accounts are reporting charge off these accounts are no longer accountable the debt was sold and written of on taxes therefore XXXX can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification
Company- Experian/XXXX/XXXX- XXXX XXXX XXXX XXXX. Account.XXXX . XX/XX/2016.This Company has been on my credit report for the last couple of years and has ruined my credit. Please CFPB investigate this company thoroughly and have them remove this negative item from my credit report as soon as possible. Thank you
I WAS A VICTIM OF ID THEFT AND THE ACCOUNT WAS OVERDRAWN I WAS NOTIFIED BY CHASE BANK TO PAY THE FUNDS WITH SECURE MEANS IN WHICH I DID I WAS THEN TOLD TO WAIT FOR 6 MONTHS APPROXIMATELY AGAIN IN WHICH I DID I WAS ABLE TO REOPEN THE ACCOUNT AND NOW ITS CLOSED THE ACCOUNT NEVER WENT BELOW NO BOUNCED CHECKS NOTHING ADVERSE. MY ACCOUNT WAS CLOSED THEY TOLD ME THEY DONT NEED TO TELL ME WHY AND I CAN NOT REOPEN MY ACCOUNT ... ... I WANT TO KNOW WHY I WAS TOLD TO FILE POLICE REPORTS IN REGARDS TO THE ID THEFT SUBMITTED THEM AND NOW THIS PLEASE PLEASE HELP
Issue : Suntrust 's Unethical business practices and an unreasonable increase in monthly mortgage payment. The first increase was from {$750.00} to {$1000.00}, a difference of {$310.00}. After numerous discussions with Suntrust, the mortgage was adjusted to {$870.00} which is {$110.00} more than I started with during the course of one year. I have a tax assessment from XXXX XXXX Government, XXXX XXXX XXXX XXXX XXXX which states as of XXXX XXXX, XXXX. I was approved for XXXX XXXX Special Assessment of 4 % approval based on the % of ownership ( XXXX XXXX ). 
I am currently billed at 6 % and have not received a refund payment for the 2 % difference. I paid the 6 % for one year. I was told by Suntrust Mortgage I had to wait until the tax bill was issued, and that bill was issued XXXX XXXX, XXXX. Each of the XXXX previous loan service providers who bought the mortgage note prior to Suntrust also refused to make any adjustments to the mortgage payment which would reflect 4 % state tax. Instead of a mortgage payment decrease there was an increase 4 months after Suntrust Mortgage became the servicing institution. 

This increase has caused a severe hardship and emotional angst. I am a retired senior with XXXX source of income and may have to consider selling my home if I do n't get some financial relief.
I refinanced my auto loan. On XXXX XXXX I overnighted a check to SNAAC. On XXXX XXXX I called to verify they received the payment for the full loan amount and to make sure they would not pull funds from my account. I was told that no payments would be taken because they did receive the check. In fact, I was informed that I had a XXXX dollar credit that would be sent to be my mail. I was lied to. my full regular loan payment was withdrawn on XX/XX/XXXX despite being told that would not happen. Luckily I had the funds in my account, but with it being SATURDAY I am left with little to take care of my family this weekend. I called my bank but the process on their end takes up to 45 calendar days. I am really disgusted that a company can do this to people. I was given a blatent lie, and I feel like they told me what I needed to hear to get me to go away.
I have submitted a request for account validation on different accounts from XXXX. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from my report.
I'm having a problem with Select Portfolio Servicing applying mortgage payments we have made to our account correctly. My husband and I purchased our home XX/XX/XXXX and have never missed a mortgage payment nor have we been past due unpaid balance. I realized there was a problem XX/XX/XXXX after I called SPS customer service to give them permission to take our monthly mortgage payment from our checking account. They took our payment and never said anything about a past due balance. A few days later still XX/XX/XXXX I started receiving collection calls. 
SPS customer service rep called me and said I was past due on my mortgage payments and I informed them I had already made my monthly mortgage payment the prior week and they said that the payment I made for XX/XX/XXXX mortgage payment was applied to XX/XX/XXXX mortgage payment. I informed them that I had made that payment as well. In their research they found that our XX/XX/XXXX mortgage payment was applied incorrectly. They apologized and told me they would write extensive notes and forward them to another department to correct mortgage payments which were not applied correctly. I thought it was over but I received another collection call a few days later. I explained to them I have made all mortgage payment and told them to check the notes on our account from the prior SPS customer service rep. They put me on hold to review prior notes and also apologized and wrote more notes on our account explaining the mortgage payments were not applied correctly. Apparently the account notes were not enough because the calls kept coming and the customer service reps were not very nice. I offered to send to them proof of payments as proof but they never wanted to see my proof. I stopped answering call because I assumed they would finally find and correct the payment that was not applied correctly. 

I'm very concerned, it has been over 3 months with no resolution. I recently called SPS and ask they were they able to find our misapplied mortgage payments and correct our account and was informed that our account was still past due and our monthly mortgage payment were increased. We are still continuing to make our monthly mortgage payments I ask to speak to a supervisor or manager to help us correct our discrepancy and was informed by the SPS customer service rep there are no supervisors or manager to assist me. I don't know what else to do please help. 
Proof of payments attached. 

SPS Account No. - XXXX XX/XX/XXXX - XX/XX/XXXX Approved Modified Mortgage Payment {$1800.00} XX/XX/XXXX - XX/XX/XXXX Regular Mortgage Payments {$2400.00} Sincerely, XXXX XXXX Mobile ( XXXX ) XXXX Home ( XXXX ) XXXX
Lately, past few months noticed my interest was {$68.00} on {$3300.00} balance. Is n't this way too high. I pay {$100.00} a month and only get accounted for only a few dollars. This past statement was for Wells Fargo, billing period XX/XX/XXXX to XX/XX/XXXX. Something has to be wrong. This is ridiculous.
Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : XXXX DATE XX/X/2011 Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX  stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages.
Hi, I have the American Express credit card that I paid {$450.00} for a year. This is my first year. I'm supposed to get 2 points for every dollar spent on the XXXX website. I've had the worst time getting my points. 

My last point given was in XX/XX/XXXX, for the months of XX/XX/XXXX and XX/XX/XXXX. I've had to call them in XX/XX/XXXX and they retroactively gave me points of those months. I didn't get points for XX/XX/XXXX and XX/XX/XXXX ( which I think I was supposed to get something like over 9,000 ). I called in XX/XX/XXXX. Was told the same thing, that I got my points in XX/XX/XXXX, which I had to explain to them again that the XX/XX/XXXXone was given retroactively for XX/XX/XXXX and XX/XX/XXXX. The manager asked me to do a three way call with XXXX to make sure that XX/XX/XXXX and XX/XX/XXXX was never gotten. I did and he made a note of it that I was never given credit for that. A month later I got a letter saying that they closed the case. I do get points here and there, but it's little ones like when I go out to eat or something. 

I traveled in XX/XX/XXXX but didn't bother using the American express card. I did however used it again in XX/XX/XXXX and XX/XX/XXXX for my travels and once again have received nothing. I have called a good six times since XX/XX/XXXX. Had to explain over and over that I have not gotten my points from online usage on months beginning in XX/XX/XXXX. The last two times I called I was put on hold for over 45 minutes then the phone died. The time before that, I was told theres a wait time of over 2 hours and that a manager would call me back, and no one called back.
On XX/XX/2018 I received a letter from XXXX XXXX XXXX XXXX stating my home insurance was canceled because my property was vacant. On XX/XX/2018 I called XXXX XXXX and asked them about the notice. They informed me that they had received a letter from Ocwen, my mortgage company, letting them know my property was vacant. I immediately called Ocwen escrow department and they said that it was a mistake and that they had already sent a letter to XXXX XXXX XXXX XXXX and sent them a check for my home insurance. I asked them to explain how they made that mistake? I asked them to explain what circumstance would constitute them to send a letter to my insurance company stating that my property is vacant. They just kept apologizing and stating that they had taken care of it and that they had sent a letter to XXXX XXXX. I explained to them that I was asking because approximately 2 years ago they had sent the same letter to XXXX my previous insurance provider who canceled my home insurance. With XXXX I gave Ocwen their fax number asked them to fax them the letter stating that they had made a mistake and the property was not vacant. Ocwen repeatedly said they sent the letter and XXXX repeatedly said they did not receive the letter. Eventually, I just decide to look for new insurance and called XXXX XXXX. And now it is happening again. 
I called XXXX XXXX and told them that Ocwen said they had made a mistake and had sent them a letter and the check. XXXX XXXX has been awesome and for now have reinstated my home insurance. However, I was informed by the XXXX agent that it is a process to get this issue cleared up as it is being handled by the XXXX XXXX underwriting department. Last I spoke to the agent she said that the underwriting department of state farm would send me a letter once the issue is resolved. I am worried I will have to find new insurance company based on my previous experience with XXXX and Ocwen.
I had a mortgage account with Roundpoint Mortgage services out of XXXX, NC. I had fallen behind on my mortgage payments up until about XXXX XXXX, 2016. At that time I paid my account up to date including all past due payments and late charges. However, the company still reported my account 90 days past due even though it was paid before the end of the month, the amount was about {$4500.00}. I have tried multiple times by contacting their customer service line to have the problem corrected. The customer service escalated the issue to another department, which I do not know the specific name of, which I was never actually allowed to speak directly with. I also disputed the issue through the credit bureaus. With the disputes I submitted copies of the mortgage statement that should the amount paid and the date. It also showed that no outstanding balance was due. I finally filed a complaint with the better business bureau. I received a call from the company and was told they would look into it and take care of it. After receiving the results they still refused to correct the information, stating that the reported XXXX late, not XXXX. All of these attempts have still not corrected this issue, which I have been attempting to fix for approximately 9 months.
I filed several complaints with the CFPB regarding XXXX  refusual to reverse payments to XXXX XXXX  Hospital. Primary complaint was for {$19.00} for failure to provide test result, failure to read and interpret XXXX XXXX ordered and failure to provide services of a doctor to a patient.

The CFPB complaint numbers areXXXX,XXXX,XXXX and XXXX at no time did XXXX  reverse the charges or provide me with any credits.

NPAS made harrassing phone calls and sent unwanted payment letters like the one attached.

I do not owe XXXX XXXX Hospital and and the several complaints with the CFPB and Suntrust has refused to reverse its decision.
On XX/XX/XXXX I received a letter form Receivable Recovery Service LLC about paying a medical debt from XXXX. The letter stated that I must contact them within 45 days of this bill or they will report my account to the credit reporting bureau. On XX/XX/XXXX, this was reported to the credit bureau even though I set up a payment agreement online. There was no indication that they would report to credit bureau after the payment plan was set up. Also, the 45 day period that they stated in the letter was not honored. The account is now paid and is showing on my credit report. I would like this removed from my report as I they have attempted to collect this debt after being paid.