WillisBack/dataset-financial-user-claim huggingface dataset:
I had an account with XXXX XXXX XXXX that went into collections in the beginning of this year. The debt was originally given to XXXX XXXX XXXX XXXX XXXX XXXX I made a good faith attempt to settle the debt for {$710.00} and established a payment plan with the collections agency of bi-monthly payments of {$100.00} which were drafted from my checking account on XXXX, XX/XX/XXXX and XX/XX/XXXX. They stopped drafting my account in XXXX for the payments and I never heard anything further from them. I received a letter from XXXX XXXX XXXX XXXX in XXXX and they reported the debt to the credit bureaus in XXXX as well. The letter from XXXX indicated that they received the debt from XXXX XXXX XXXX and they offered to " settle '' the debt for {$740.00} which is more money than what The XXXX XXXX XXXX XXXX agreed to settle for. I sent XXXX a written statement on XX/XX/XXXX and provided them a copy of the Agreement with XXXX along with a ledger of payments already remitted and requested that they honor the original settlement agreement. I have not received any written response to my letter as of XX/XX/XXXX. I called XXXX on XX/XX/XXXX to confirm receipt of my letter and verify that they would allow me to resume my payments as agreed with XXXX XXXX XXXX XXXX XXXX XXXX They refused and advised that they did not have to respond to my letter and they did not have to honor the settlement agreement made with XXXX XXXX XXXX XXXX XXXX XXXX I then called XXXX XXXX XXXX to request that they call the debt so that I could resume the settlement agreement and pay the debt in full to them directly. XXXX XXXX XXXX advised that they could not offer any recourse to me since the debt is now with XXXX. I called the XXXX XXXX XXXX XXXX to determine why the debt was no longer being managed by XXXX and why they stopped accepting payments from me. I was advised that they attempted to draft my account for {$100.00} on XX/XX/XXXX and XXXX and the payment was rejected for insufficient funds. I asked if there was a confirmation number from the bank related to the rejected payment and they said there was not. I had sufficient funds in my account during this date range for the payment so the insufficient rejection could not be true. I then asked the associate why I was never notified of the payment being rejected and he advised that they did not need inform me when a payment is rejected and I asked why I received no further notification from The XXXX XXXX XXXX XXXX and he confirmed that statements had been generated but never submitted to me either by email or post mail. At this point I am hesitant to begin making payments to another company if the debt will then be transferred to a different agency and they attempt to charge me more than what is agreed upon. What recourse do I have, as a consumer, to ensure that the amount due can not be changed by another collections agency if it becomes transferred to another agency?
We have information to reflect that the mortgage debt was paid in full. XXXX XXXX  XXXX has reported to the credit bureau that the debt was paid in full and there is a XXXX balance. The loan you are attempting to collect on does not exist and was removed from Mortgage Electronic Registration Systems , Inc. on XX/XX/XXXX and has been INACTIVE since that date. According to the MERS integrated system handbook " The process of making a loan inactive on the MERS System including in conjunction with the Resignation or Termination of Membership. A loan is deactivated if the debt no longer exists, or the loan is assigned out of MERS. The following deactivation transactions are available : Paid in Full ( includes payoff, deed in lieu, short sale, etc. ) Transfer to non-MERS Status Involuntary transfer/default by Servicer Involuntary transfer/default by Subservicer Foreclosure Complete Deactivate-Assigned from MERS for Default or Bankruptcy. According to Mortgage Electronic Systems, Inc records, XXXX XXXX, XXXX is an ACTIVE member of MERS. Therefore, according to the Mers integrated system handbook, the new servicer should have changed the min number to reflect the new information and the loan should not have been transferred off the system unless the loan was paid in full. 
The MERS automated system indicates that this mortgage was transferred off of the MERS system on XX/XX/XXXX and rendered INACTIVE. Although the mortgage was transferred off the system and closed to show INACTIVE at this date of XX/XX/XXXX, the assignment of mortgage remained in Mortgage Electronic Registration Systems, Inc name. The assignment of mortgage remained in Mortgage Electronic Registration Systems , Inc name until XX/XX/XXXX, when Nationstar Mortgage executed an assignment to itself from Mortgage Electronic Registration Systems , Inc. This is 3 years AFTER the loan was INACTIVE.
Diversified Consultants is attempting to collect a debt they claim I owe to XXXX XXXX XXXX. I have disputed this in writing and requested validation. They have not provided validation and continue to post negative information to XXXX credit bureaus.
XXXX XXXX sent me an invoice around XX/XX/2018, for a total amount of {$420.00}. For the past 4 months I have called XXXX 7 times asking for a detailed invoice showing the charges. So far I have not received the detailed invoice. 
They claim the hospital sent the invoice already, which I never received. 
My credit is now badly damaged, down from over 800 to now XXXX.
XXXX XXXX XXXX keeps calling my home phone XXXX even though I have had no business dealings with this company and have no debt associated with them. I would like the repeated phone calls to stop.
on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was aes and XXXX XXXX
ID complaint file XXXX. XXXX did finally what they were suppose to do. on the other hand Bank of America was the first. We had XXXX XXXX and XXXX, the federal government closed them down. No one told us anything. we found out on the XXXX XXXX  news. After 6 months of trying to find out what to do we were called by Bank of America and told we owe almost {$6000.00} dollars. I said so how are we suppose to pay this. they sent us a contract that said every year they will raise the mortgage 6 % until it is paid. we called and called and talked and talked. no one helped they said we were in forclosure on our credit report and we never were. Lawyer after Lawyer never told us our credit report was wrong. WE found out after the short sale. My wife XXXX has lost her job 2 times because of this. We spoke to Bank of America recently and nothing was done except you closed this case. They need to compensate us for illegally reporting false information and ruining my wives career. XXXX finally did what they were suppose to do even though they did not help us either. We will probably never mortgage a house again because of this.
A company has been reporting an closed account as open since XX/XX/2014 on my credit report ( equifax ).
I added {$200.00} to my XXXX account via Coinbase while the price was about {$200.00}. It has withdrawn from my bank account but has remained pending for 36 hours. My last deposit was instant. My issue is that their customer service is talking about days to respond which can potentially cut my investment by 95 % at the current rate of growth. Also, side note, the app wont let me transfer money now.
In XX/XX/XXXX, I was contacted by XXXX XXXX XXXX regarding a debt they purchased from XXXX XXXX. I agreed to their terms, and began payments to them directly. My car is on its last leg, so I reached out to Portfolio Recovery to see if I could satisfy the dept early and upon doing so, have it removed from my credit. The associate assured me that yes, upon full payment, it would be removed. On XX/XX/XXXX I received a letter that my payoff was received. I recently applied for a car loan, and my application was denied. I use XXXX to monitor my credit, and discovered the collection account is still on my credit report, just as paid and closed. I reached out to XXXX and they suggested I contact Portfolio Recovery directly to request it being removed. I was advised that Portfolio Recovery does have the ability to remove a closed and paid account, however they are not in practice to do so, therefore, it will show on my report until XX/XX/XXXX. I understand they are under no obligation to remove this, I just wish they would have been honest from the beginning. Now, they are paid and this has ruined my credit.
I used to have a pre-paid XXXX account, consisting of top up cards. There was never actual XXXX in contact with me. The claims of my current balance with there collection agency are false.
I had originally reported this problem CFPB # XXXX. Wells Fargo decided to report their charge as a charge off instead of removing the charge, which has negatively impacted my credit report and cause some credit card companies to reduce my line of credit due.
I checked my pre-qualified offers on Amex website and got a offer for Amex Gold Card with XXXX rewards points welcome bonus if I spend over {$2000.00} with the card in the first 3 months. I applied for the card after seeing the offer on XX/XX/XXXX, and received the physical card on XX/XX/XXXX. Since I couldn't find information about the welcome bonus on the paperwork and in their app, I contacted customer service to confirm, and was told that my welcome bonus will only be XXXX. I had been transferred to different departments and talked with XXXX different customer service representatives, each of whom gave me a different reason as to why I didn't get the XXXX offer that I saw at time of application. The first CSR told me there wasn't a XXXX offer when I applied, and asked me to provide a screenshot of the offer at application ( which I don't have unfortunately ) ; the second person told me I had an old corporate card that was closed ( which was for one-time use during interview with a company, in order to cover travel expenses ), and therefore my bonus was lowered from XXXX to XXXX ; the third person told me that the bonus offer may change between when I hit the apply button and when the application gets processed. Three people gave totally different reasons, none of which makes sense. I am very disappointed at the lack of transparency and poor customer service.
On XX/XX/2017 I made an internet purchase that was mistakenly deducted multiple times from my checking instead of once. This did not come to my attention until I was accumulating NSF fees from USAA when my auto-bills and savings transfers were deducted. I brought this to the attention of USAA and made several calls stating that this was a mistake and the excessive fees are keeping the account in negative balances which in turn is accruing more fees. 

The representatives refused to remove these fees even though this was not my fault and they have accumulated to a total of {$460.00}, which is absolutely excessive. Today they told me that as a courtesy they would remove two of them, the total is still over {$400.00} dollars. Not only this they have given me poor financial advice in response, one rep I spoke to was condescending and told me that I should apply for a different credit card with a higher limit to handle all of this, I did this and it lowered my credit score. Another representative suggested that I get rid of my acorns savings app because those transfers of small amounts are what triggered a few of the fees, as though it were because of the app and not because of the fact that over {$400.00} is missing from my account. 

I had no choice but to take out a {$500.00} emergency loan from a family member just to get the account to even so the fees would stop. I asked how they can possibly justify taking {$400.00} from me over a mistake and they just repeated " there's nothing we can do. I make enough money to cover my bills and I send a small amount to savings, USAA has completely taken advantage of me, {$400.00} is greedy and excessive. Also after the way they talked to me and their " suggestions '' about what I should do, I feel discriminated against for my financial status, it's my choice to do what I do for a living even if will not make me rich, it makes me happy and it affords me what I need, it does not afford me to pay USAA 's frivolous fees for nothing.
I have several Federal Student Loans serviced by Navient. Prior to entering repayment in XXXX XXXX and since that time I have had several issues with customer service providing incomplete or inaccurate information but one instance truly stands out. As part of financing my XXXX education my mother took out a loan on my behalf. Then-XXXX described this Parent Plus loan as being in my mother 's name initially but then being my responsibility to repay following matriculation. Without this loan I would not have been able to continue my XXXX or XXXX education. Prior to XXXX XXXX I received several communications from Navient concerning my loans and, since we believed that this Parent Plus Loan was now connected to my account, we assumed all loans were included on these communications. Fast forward to XXXX XXXX and my mother receives correspondence from Navient indicating that she has defaulted on this loan and they would be notifying the Credit Bureau and withholding her Income Tax check. We did not receive ANY correspondence relating to this loan itself at any point prior to this. To our horror, we learned that this Parent Plus Loan is actually still linked to my mother 's name and there is no way to transfer it to my name, either through Navient or otherwise. The Navient representative we spoke to, XXXX, said that we must either pay all past-due payments, interest, and fees within 30 days or enter forbearance : those were the only options given to us. XXXX went on to say, " I know, they did n't really explain these well a few years ago '' ( referring to the Parent Plus Loans ). Obviously we did not have XXXX of dollars to clear up these issues so we were forced into forbearance. The forbearance period is now over and I am unable to enter into an income-based repayment plan on this loan because it is not linked to my social security number even though I am the one paying it. Navient provided incomplete, inaccurate information and completely defrauds consumers. Navient preys on desperate students and forces them into payment plans which cripple them and allows for no room to live.
I had a Citi Prestige card. I rarely used the card, so when the annual fee of {$450.00} came due in XX/XX/2018, I called Citi to inquire about switching the Prestige card to a free card with no annual fee. Citi said that I could switch to the Preferred card for no fee and could get my roughly XXXX Citi ThankYou reward points transferred from the Prestige card to the Preferred card. Citi closed the Prestige card and sent me a new Preferred card. However, the {$450.00} fee from the Prestige card appeared on my Preferred card balance for XX/XX/2018. I contacted Citi multiple times through several different communication channels asking why the fee was posted to the Preferred card and if I needed to pay it. I specifically mentioned my concern with potential negative credit reporting consequences. Multiple Citi representatives told me that it was fine, the fee would be removed, I didn't need to pay it and there would be no negative credit reporting. Eventually, in XX/XX/2018, the fee was removed. However, Citi is currently reporting that I was 30+ days delinquent in XX/XX/2018. I've followed up with them several times to no avail. In addition, the XXXX reward points -- worth several hundred dollars -- were not transferred to the Preferred card as promised. I would like my credit report fixed and my ThankYou award points restored. 

Note : this is not the first time I have had problems with closed Citi accounts and credit reporting. This appears to be a systemic issue for Citi and their customer service is woefully lacking.
XXXX is reporting incorrect information about a credit card they have " re-aged ''. This item should be removed from my credit file as it is past 7 years old and there has been no account activity on this account for over 7 years.
Hello I received an unexpected letter saying I owe XXXX XXXX XXXX and I want to file a FRAUD report. Someone used my name and information and false charges etc. I 've never owned a credit card since 2007 and got all my debts paid off under XXXX XXXX XXXX. Now this letter proves that someone is using my information and applied credit without my authorization. The XXXX account # XXXX and my name is XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXThe best way to email me is : XXXXXXXXXXXX or call through an interpreter that is already jointed XXXXPlease advise how to handle this serious matter. This is XXXX worth of charges. Where are the charges being made from? If it 's from another state then clearly you know that is not from me! 

Thank you!
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
There were 2 separate accounts from REVMD PARTNERS LLC placed onto my credit report XXXX 2017 showing as collection accounts. I was never made aware of any debts before placing them for collections in writing or otherwise. The original creditor name shows on my credit report as XXXX HOSPITAL. I have never visited or been to this hospital as it appears to be located in South Carolina.
I have disputed inaccuracies regarding credit inquiries with Equifax. My first issue is the listing of an address that does not belong to me, yet the inquiries are coming thorugh under this address. I have submitted my driver 's license and copies of utiliy bills showing my correct address ; however, Equifax keeps stating that the inquiries have been validated. 

Per my request, I also asked that they would submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Equifax that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistantly disputing including the new listing of this unknown address. 

Again I am requesting that the creditor and Equifax provide documentation baring my signature for consent. 

Please see attached.
THIS IS A XXXX ADDENDUM TO MY DISPUTE # XXXX : XXXX ADDENDUMI know you all know what I 've presented to be true about the certificates XXXX being sold multiple and numerous times, and that XXXX XXXX XXXX, XXXX 's so-called Vice President is a fraud and will be prosecuted, who is really a vendor of XXXX. These certificates have been floating around since XX/XX/XXXX and XXXX did not modify our loan until XX/XX/XXXX ; five years later. Common sense should tell Shellpoint and XXXX that it is very possible some other entity had purchased the certificates before XXXX ; and they did and I have proof. But again, Shellpoint is only doing this to make a fast buck and well as XXXX and others Furthermore, XXXX had breach our initial modification by not reporting it in accordance with law, because it was done under the table and therefore, we would like our initial HAMP Tier 1 modification re-done because this is not our fault.. 

Thank youXXXX XXXX
Equifax keeps reporting debt from XXXX XXXX XXXX for {$180.00} this debt is past the statute of limitations. Seven Years
Transunion removed XXXX district court Case or id # XXXX from my credit report in XXXX 2015 however put it back on my credit report XXXX 2015. The public record information was not confirmed to belong to me but Transunion chose to put it back on my credit report because the creditor asked them too. This is unfair and violates FCRA. Fraudulent information should not be placed on my credit report. Also XXXX removed the same public record but placed back on my credit report without verifying the information belongs to me.
I have a PayPal Credit account for many years. They have a XXXX liability policy for fraud. On XX/XX/XXXX I filed a claim for {$940.00} ( my first claim ). They have done nothing to resolve the issue. And I was just informed by a PayPal dispute representative that there is no one at PayPal Credit I can talk to, ever. 

PayPal 's site claims their liability protection is the same " as that provided by most major credit cards ''. That is clearly untrue.
experian will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. experian has it down as four accounts owing {$1100.00} i called XXXX XXXX  they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with XXXX  they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX  equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that experian is doing to me has ruined my name. please ask experian they have it wrong please remove i attempted to remove myself and experian wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one.  Its ruin my life! please help me ask experian to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.
On XXXX 2017 I applied for a credit card at XXXX XXXX XXXX. After that, I received a letter which they denied my application because of you reported a wrong information about my credit score. First at all, Im foreign, I havent live at the US and I dont even have a social security. I dont have any credit products At the US like you can provided a credit score of me, so you must not be able to provide any real credit report about me. Besides, you provided information that I declared an account as bankruptcy and thats not true. Im not in bankruptcy, I have my own 2 companies in XXXX, my apartment, my cars, and my savings inXXXX and in the US. I tried to ask my credit report and it was impossible because the sistem didnt recognize my information, so I called to your call center and I was attending by XXXX, he tried to find my credit report without social security, using my ID ( passport ) and he couldnt find it. He recommended me that send emails to www.experian.com/upload and support my explanation with documents. I did this process 3 times and I did n't receive any answer from experian. So, I complained about this situation in XXXX and I did n't receive any answer either. For that reason I need help from you, because I need an answer. It made me some uncomfortable situations. I do n't have any bad credit report in my country in any place so I need help to solve that as soon as possible.
The two collection accounts below are not mines. I have contacted both companies as well as the attorney general for the state which both companies do business in. 

COLLECTIONS 1.XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$5500.00} 2. XXXX XXXX XXXX {$3900.00} Closed
I paid off the balance on the mortgage with CitiMortgage , Inc. on XX/XX/2016. I later found out that they overcharged {$2900.00}. When I complained, they only refunded {$1800.00} with a {$1000.00} remaining. I 've called and written three time, but they are not responding to my complaints of the balance due back to me.