WillisBack/dataset-financial-user-claim huggingface dataset:
I had a credit card with Chase that was opened XX/XX/XXXX. Due to financial hardship and loss of income I fell behind and was unable to pay. XX/XX/XXXX, Chase issued a XXXX c for the Cancellation of Debt and I had to report the amount on my Taxes as income. Chase is still reporting to the Credit Bureaus that I have an outstanding balance and that amount continues to increase. I am attempting to improve my credit and this has impacted me for several years now, even after they cancelled the debt.
Wells Fargo harasses me via at work and at home multiple times a day, they have been told to stop calling, I make my mortgage payment every month, some times a few days late, but the relentless harassment is too much.
Comenity Bank keeps calling me repeatedly related to my credit card debt with them. On Saturday the XX/XX/XXXX, they called me 5 times, in a span of 5 hours. Today, on Monday XX/XX/XXXX they have called me 6 times. When I told them to stop contacting me and harassing me, they proceeded to start calling me from a blocked number. I am also on the Do Not Call Registry and one of the calls was made before XXXX. A woman named XXXX with Comenity bank is one of the agents that has called me several times after I have insisted that they stop harassing me. Below is my log of when I have been called by Comenity Bank most recently : Saturday., XX/XX/XXXX XXXX XXXX from XXXX Saturday.,  XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Sunday., XX/XX/XXXX at  XXXX from XXXX Monday., XX/XX/XXXX at XXXX from XXXX Monday., XX/XX/XXXX at XXXX from a blocked number Monday., XX/XX/XXXX at  XXXX from XXXX Monday., XX/XX/XXXX at XXXX from XXXX Monday., XX/XX/XXXX at XXXX from a blocked number Monday., XX/XX/XXXX at  XXXX from a blocked number
On XX/XX/XXXX I contacted PMAB for the second time to explain to them that the {$1600.00} charge is for a patient that I am not related to and do not know. This is an incorrect billing made by the medical facility. The file number provided by PMAB is XXXX XXXX XXXX XXXX XXXX. I explained to them that I had talked to the medical facility who recognized the mistake. 

I sent an email to dispute the claim per the telephone representative 's instructions. I have uploaded the copy of the email. 

The patient name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX at PMAB reiterated to me today - XX/XX/XXXX - the file name is XXXX XXXX XXXX XXXX XXXX and the date of the service is XX/XX/XXXX. 

The amount is for {$1600.00}. 

PMAB ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Debt is owed to XXXX XXXX XXXX XXXX I called PMAB again today XX/XX/XXXX to explain and they said this is still under dispute but they can not remove this from my credit until the medical facility does so. 

I contacted the medical facility as well and they said that they realized the problem and corrected it, as well as, already informed PMAB of the error. 

This is adversely affecting my credit and I need this corrected. 
I called this number ( XXXX ) XXXX again today - XX/XX/XXXX - and spoke to XXXX at the XXXX XXXX XXXX XXXX. She states that they corrected this and informed PMAB on XX/XX/XXXX. 

XXXX states that the patient apparently has a relative with the same first and last name as I do. This may have been the original source of misinformation. XXXX said that she is going to communicate this back to the person who sends collection files to PMAB. 

I am still sending this complaint because I feel that PMAB should have corrected this and investigated it thoroughly back in XXXX.
On Monday XX/XX/XXXX my wife tried to use her debit card to make a purchase and it was declined, she checked her account to find out why the transaction was declined and found out that her account was overdrawn. She called the XXXX on the back of her card and was told there was a fraud hold on her account and was transferred to the fraud department, after holding for over 2 hours she was told the fraud department was closed and to call back the next day. On Tuesday, she called back and the fraud department said they were NOT the ones who put the hold on her account. She went into a bank branch on Tuesday and she was told her account was frozen so as to carry out an investigation on suspicious activity. The bank was unable to give her specifics. The bank branch called the department who placed the hold on her behalf to find out what was going on and the person the bank agent spoke to was sent an email to give her and the department refused to speak with her after she asked to speak with them. 
With what she was going through, I decided to check my own account and found out that both my accounts also had the same hold as her account. Both of us have been calling the bank to at least release some of our funds so we can both carry on with our lives while they investigate but they are not doing that or giving us a time frame as to when the investigation will be over.
XXXX XXXX stated they stopped collection on my account. I would like XXXX XXXX to provide me with a letter stating the facts. 

The letter should address : -Date they sent account out of their offices -Reason they sent account out of their offices -To whom they sold account to - That they no longer have rights to account and I am not responsible for any payments to them This account is being pursued by multiple collection agencies and I had already disputed it being mine previously. This is not my debt.
XXXX XXXX also known as XXXX XXXX handled a mortgage which was discharged in Chapter XXXX in XXXX of XXXX. In XXXX of XXXX I filed a complaint ( XXXX ) with the Washington State Attorney General 's office because that information had been provided to the lender but they continued to making threatening calls to me about collections even when they had my full Bankruptcy information. On XX/XX/XXXX, I received an email from my credit monitoring service that a new credit inquiry was done and to check. I looked online and XXXX XXXX XXXX had run a hard inquiry against my XXXX. I had not heard of this organization and with the recent XXXX issues, I looked this company up. They are the same as LoanCare. I did not authorize them to pull my credit. I have not made any contact with this organization since my state complaint specifically was to check their business practices and stop contact with me which was not legal post Chapter XXXX. This company is now trying to impact my credit by running random hard inquiries against my credit which each time, is dropping my score a few numbers due to the inquiry.
I was attending XXXX XXXX of XXXX back in XX/XX/2016. I was granted financial aid and the balance that I owed was added to my government student loan account. I have proof that it is being paid through my student loans. However, the school was immediately closed down due to fraudulent practices by the federal government and I was never able to complete my program but was still responsible for the amount that was added to my loans. So this company ( XXXX XXXX XXXX ) claims I owe them {$280.00} from the school but they have not produced any information in writing. They added to my credit report for non payment and has damaged my credit. I have tried to reach someone at this company but there is NEVER a live person that can answer the phone. Every time I called the number on my credit report it goes straight to a voice mail machine on the very first ring. And NO ONE HAS RETURED MY calls after calling numerous times. I have filed a complaint with the credit agency and I know that I don not owe this debt. I want this REMOVED FROM MY CREDIT REPORT because both the school and this company have fraudulent practices
To Whom It May Concern : Again we write in regard to unauthorized communications dated XXXX XXXX, 2016 and XXXX XXXX, 2016 received from SPS - Select Portfolio Servicing ( attached ). 

Please be advised that there is no debt owed to SPS or obligation incurred by the Complainant to SPS. SPS has made up an account is fictitious and fraudulent. SPS has failed to validate any debt as previously demanded by addressees. SPS has admitted to Complainant that SPS has misrepresented an alleged debt. SPS, its successors and/or assigns have no authority to act in any capacity in this matter. 

We do not and will not engage in the establishment of escrow activity of any nature, which SPS seeks to initiate. 

Be advised that all legal and relevant property bills have been paid and will be taken care at all times by the Complainant in contract with direct vendors only. 



BY : XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau
On XXXX XXXX 2015 I submitted written request to close my Citibank , N.A . Checking, Checking Plus and Money Market Accounts. The accounts had XXXX balances. In XX/XX/XXXX I sent a follow-up letter as I kept receiving statements. No response was received. In XX/XX/XXXX I received a threatening Citi ( XXXX ). I responded stating the a/c was closed, asking them to correct their records. In XX/XX/XXXX I received a Citi ( XXXX ) threat letter aimed at collecting debt! This debt more than likely represents rapacious fees imposed after the account should have been closed -- with interest and late fees tacked on, I am sure! This letter asked me to call, and did not advise that I would be waiving some of my consumer rights by doing so. I responded in writing pointing out the account was closed. A few days later, a threat letter specifying over {$600.00} was unpaid and overdue, was received under the same Citi ( XXXX ) name. I am sending a response in writing again. 
This is harassment at this point. Citi has ignored my instructions to close this account, which had no balances or overdrafts. Citi has not responded to my written requests to close this account and provide status. I had accounts here for 25 years. How deceitful and dishonest Citi has become, with low customer service standards. There is not one shred of decent customer service on display here.This company is clearly out of control. It is not observing basic consumer law. I need help dealing with this arrogant, out-of-control bank.
I borrowed a XXXX from Rise and I had planned on paying it back sooner than I did and I did pay them off, however I had missed a few payments with no charge off. The minute I paid them off they charged me off and will not update my credit that the loan is paid off. I had another collector call regarding the matter and I sent them the copy of proof of payment so that was the end of them calling. However RISE WILL NOT UPDATE MY PAYMENT OR DELETE THE CHARGE OFF WHICH WAS DONE AFTER PAYMENT WAS MADE.
A person walked into Kay Jewelers and decided to purchase jewelry under my name. He then decided to go to a different store, a few days later and tried to purchase more jewelry under by name, but this time, I was informed and he did not purchase anything.
XXXX XXXX XXXX erroneously reported a debt with XXXX XXXX XXXX for {$830.00}. I have never had a loan nor received any money from this company. This has adversely effected my credit. I want this removed from my Trans Union and XXXX credit reports as soon as possible. Furthermore, I 've never received any correspondence that would have given me the opportunity to dispute the debt.
XXXX place a lien amount of XXXX owe to do for tax year XX/XX/2010. I was told that they never received my state XXXX. After submitting the information requested. It show that a refund was owe to me instead of me owing them. I have tried several times to have this remove from crediting reporting agency Equifax but no success. All other credit reporting agency has removed this information. I requesting that this information be removed because it was not accurate in the first place. Stating paid in full is not a true statement. When I did not pay anything because the owe me.
I have been locked out of my account with XXXX XXXX ever since XXXX XXXX XXXX switched over from XXXX XXXX. XXXX manages the repayment for my XXXX XXXX XXXX from my XXXX studies at the University XXXX XXXX XXXX. 

Over the summer, XXXX transitioned to a new website and asked users to transfer over their accounts. I followed each step and registered for a new account with XXXX XXXX. I received confirmation that my account was successfully activated on XX/XX/XXXX. However, since then, I have not been able to regain access to my account. I have tried logging in with my new credentials, requesting a password reset link, and registering for a new account entirely ( as customer representatives suggested ). None of it has worked. Customer representatives have insisted that my account is inactive and that it is my responsibility to reactivate it. However, that has simply not been possible and their instructions fly in the face of the email confirming my account activation. I have been locked out for months now and unable to make my loan payments because of this faulty system. If my loans are considered delinquent or my credit has been affected, I must appeal both on the grounds that XXXX XXXX has failed to provide me access to my account despite my repeated attempts to regain access. I would like nothing more than to have access to my account and to repay my balance right away.
Citicorp XXXX Bank recorded a mortgage against my property for their client XXXX XXXX. They mistakenly used my property 's legal description to further describe the property address for XXXX XXXX. Obviously the address is different but the legal description is for my property and now it stuck to my chain of title and I am not able to sale my property because it list XXXX XXXX 's mortgage with Citicorp XXXX Bank as a third mortgage against my property. We explained to Citicorp XXXX Bank that they made a mistake by recording the mortgage against the wrong property but they refuse to get involved and want us to speak directly with their borrower to get fixed.
While renting a property unit from The XXXX XXXX, I was required to give 30 days written notice before vacating. I did so. The XXXX XXXX did not acknowledge the XXXX days I gave them and they put my account in collections with XXXX different collection companies. The company called Mutual Management in XXXX, FL has been reporting my account in collections even though I have provided proof of cancellation well over the 30 days their client required. It was also noted that their client did not apply any of my Security Deposit to this alleged debt. Mutual Management has been unresponsive and will only speak or communicate with me if I pay their fee.
We refinanced with First Mortgage Online through First Mortgage Corporation. We never had the FHA policy regarding if we sold and did not buy within a stated amount of time that our FHA Mortgage premium would not be returned to us. We just received a {$20.00} check from First Mortgage Corp marked " PIF '' on the check and telling us to cash it quickly as they are closing down their bank accounts. I would have no issues with the cashing the check if it had the other {$5500.00} attached to it! Once again, we did not received disclosure that the FHA changed their policy on this practice and who oversees the companies to make sure that they are following the laws ... as established by FHA?
My loan went into default. My parents and I went to court and settled the matter and make regular payments to a collection lawyer for XXXX. I feel that I will never be out from under this situation. I ca n't find anyone to refinance, consolidate this and my XXXX loan. My credit is horrible because they do n't report payments being made just late and collection. I am willing to repay my debt, but I feel like I 'm being taken advantage of. All I want to do is pay and get a lower rate.
ATG XXXX received debt that I owe. I contacted a credit consolidation service XXXX XXXX XXXX XXXX XXXX to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter.
On XX/XX/2018, second dispute letting Equifax Credit Reporting Agency know that I was a victim of Identity Theft, After submitting the proper support documents according to FCRA 605b.and waiting for the dispute to be updated, this agency continues to report this erroneous public record.
Aldous associates sent me an Email legal notice with out my consent to received Email from them, I did never share my e-mail with this agency, they also reporting negative account in my credit report with out verifying the debt and with out sending me any letter via USPS stating I have the right to dispute, this actions are deceptive practice
On XX/XX/XXXX I submitted a dispute to credit agency Equifax. I had 3 items that I requested be removed as the debt had not be validated as mine. As of today XX/XX/XXXX I had not been notified of the results. Their online system still shows that my dispute is pending. I called Equifax 's automated line and it also states investigation is still pending. In addition, I spoke to several agents who stated that in their system it showed the investigation was completed on XX/XX/XXXX and that was sufficient, however I was never notified of the results of the investigation and their website still states there is no resolution to my dispute. They offered to send me the results via mail, which I agreed however it has been way over the 30 days mandated by law and under the Fair Credit Reporting Act that they must respond to my dispute. 
I can provide paperwork that shows proof of the above.
We contacted our bank which our home loan is through to let them know about our situation change- going from 2 sources of income, to only one. ( I had gotten laid off from my job, then I got very sick and was in out of hospitals ). After HOURS of going to different branches trying to make a mortgage payment, only to be told we dont know why we cant process your payment only to get returned check fees and no one returning our calls, I made myself sick from all of the stress, XXXX, and helplessness I felt! I literally left 5 vms yelling and begging someone to PLEASE call me back so we can pay them!!! Guess what? NO CALL, and now a foreclosure letter demanding an insane amount of money within 30 days, or our house could be sold!! I called that COLLECTION company over 5 times only to get the run around and some young girls sounding like they are reading a script and tell me sorry we cant help you. I am so lost for words and just want to be treated like a human, is that too much to ask???
I received a letter in the mail requesting collection of debt XX/XX/XXXX for a XXXX card. The letter I received says I allegedly owe {$1400.00}. I contacted XXXX to verify what information was in their system to validate the legitimacy of the letter, at which point I was informed that the debt was being managed by a separate collection agency/law office. I found this odd because the debt was not on my credit report and in XX/XX/XXXX, I received a letter stating my inactive account was being credited for an identity or credit protection service I had during the time my account had been active. Also in XX/XX/XXXX, I received in the mail a pre-approval letter for the XXXX XXXX XXXX card, which further confused me. Yesterday, XX/XX/XXXX, I received another XXXX card offer for a XXXX XXXX card. If I had outstanding debt with XXXX, why would I be eligible for their top cards? 

The 3rd party organization also sent a letter claiming to file a foreign judgment with the current state I 'm living in, which I do n't even understand what that means. 

This matter has resulted in further research and I uncovered that XXXX broke the law by providing inaccurate and inflated interest rate information for about 130,000 credit card accounts it sold to debt buyers. The bank also was accused of failing to promptly forward about 14,000 payments from customers, totaling about XXXX XXXX, to the debt buyers. When I reached out to the 3rd party company that sent the letter, I was told that only {$200.00} worth of payments to XXXX was recorded associated with the inactive card account, which again makes no sense. 

I also learned that from at least XX/XX/XXXX to XX/XX/XXXX, XXXX used misleading statements to get people to sign up for debt protection services, and charged for credit monitoring services it sometimes did n't provide, the consumer protection bureau said. XXXX also charged a {$14.00} fee for same-day payment on delinquent accounts, a service that most users did n't need, according to the agency. Which I had clearly been a victim of due to the refund letter received.
XXXX and XXXX XXXX XXXX somehow has reach out to let me know Resurgent Capital Services now owes this XXXX account. Which is claim I owe someone. I am unaware of this account or the debt that I do n't owe.
I apply for America Express Serve Card and they advertised early deposit and on XXXX/XXXX/2015 did not process my direct deposit.
DIRECT DEPOSITS ARE NOT POSTING TO OUR ACCOUNTS AMERICAN EXPRESS SERVE THE COMPANY HAS TWEETED OUT THEY ARE AWARE OF THE PROBLEM AND WORKING ON IT HAS BEEN OVER 72 HOURS American Express Verified account @ AmericanExpress 6h6 hours ago Were aware of an interruption to direct deposits affecting Personal Savings, Bluebird, and Serve customers. Please know your funds are safe. Were working w/ our partners to resolve the issue. We apologize for the inconvenience.
So yesterday, I was in contact with someone who pretended to be the famous rapper XXXX, which they were not. They were posting on the accounts XXXX story that he, XXXX, was doing features and to message him being PayPal ready. Of course me, a musician at heart and a huge fan of this artist, took up the chance and messaged him confirming that it was the self proclaimed rapper, which he then claimed to confirm was him. He asked me to send him {$1000.00} dollars via PayPal, which I ended up doing. Throughout that, as he said he was going to the studio to record later that night, he told me that he was not able to do the track anymore because he had certain spots open and they were now offering {$2000.00}. He said that he would refund me, and when an hour passed with no refund, he never answered me back and ended up deleting me off of XXXX. I am still {$1000.00} dollars out, and I have screenshots of the conversation, his PayPal account, his XXXX name and everything. He also forced me to make it sent to a friend/family instead of doing to for business so that was he could get the money now and use it for the studio. The name of the XXXX account is @ XXXX
I am protesting credit scoring in our financial system. I choose not to have a current credit card, but I have had several mortgages and other types of loans. I have always made payments on time, and I have paid all of my loans in full. I have never declared bankruptcy or had any type of collections or delinquencies. Inquiries about my credit score have only been done when I was securing a loan or a mortgage. I have worked for the same company for 29 years. Even with this perfect credit history, my scores are XXXX, XXXX, & XXXX. The mortgage companies are now requiring a score of XXXX to obtain the best rates. I barely qualify. This practice is unjust. The factors used actually encourage indebtedness. 

My wife has higher credit scores, but she has never worked full-time. Her scores are based on mortgages and loans which her ex-husband paid. She has a credit card, but I pay the balance every month. Fortunately, her credit score helps me, but the whole system is a sham. It needs to be revised.