WillisBack/dataset-financial-user-claim huggingface dataset:
I was court ordered to have a wage garnishment in the amount of {$1600.00} for monies owed to an old apartment complex and it was to be paid through this US Collections West, with a court ordered interest rate of 4.25 % per annum. Per my employers payroll, I fulfilled this balance last paycheck and last week my manager received a phone call from XXXX XXXX who is handling my case at this agency and told her she was going to file an injunction against her and my employer as a whole for not sending them money. When my boss told her the balance was paid in full per payrolls records, XXXX continued to be rude and belittling to her, advising her there were still court fees and interest to be paid and that 's where the additional {$500.00} was coming from. When my manager asked her where she got that balance from because my interest accrued over 1 year would only be around {$75.00} and it had not even been a year since the judgment was entered, XXXX became even more rude and claimed they were charging interest monthly at 5.88 % on the balance owed. When my boss asked her to explain how this could be since the court order said it was interest accrued per annum, she had to hand the phone off to somebody else, a gentleman, who broke it all down for her. But it still did not add up. I have called the XXXX XXXX XXXX XXXX where my court case from last year was held, and they too are under the impression that my judgement would be met if I had paid the {$1600.00}. The collection agency should NOT have a different interest rate than the court document, and part of the {$500.00} balance included court fees ( per XXXX ) which the court stated I paid as part of my original balance. I have all the documentation of the fees, what was ordered to be paid and what was paid. What was included in the balance, etc. XXXX XXXX is RUDE, BELITTLING, and made me feel like a was the lowest piece of scum on the planet. I want to do whats right, but do not believe I owe them an additional $ XXXX I have all my court documents and proof that the court fees they are trying to charge me again were also included in the original balance as well.
PayPal is having a glitch where the available account balance on many of their customer 's accounts is not reflecting the sum of the incoming transactions, thereby making it impossible to withdraw the full amount of funds in my account.
I was insured through XXXX XXXX for over 8 years, all of which i enrolled in auto draft payments from my bank account. When i purchased a new vehicle, i was told that were not offering full coverage anymore and i got a policy with XXXX. I requested in writing via email to cancel the policy as i no longer had the vehicle and in fact had new coverage elsewhere as of XXXX XXXX, 2016. I then called and had the automatic payments cancelled as i was not going to pay for the services that i no longer needed. I was told i would get a full refund for the previous month since i had financial responsibility elsewhere. I forwarded a copy of my current insurance and was told over the phone i would receive XXXX back via check ( my monthly premium ) I have since received a collection notice for XXXX and have called the collection agency as well as XXXX XXXX and was told that it would get corrected. That was over 30 days ago, and the collection is now reflecting on my credit report. I am not responsible for XXXX and in fact i am OWED XXXX Please help me to resolve this as i am not having success via email and phone calls to XXXX and want my credit report cleared and my refund. 

Thanks
I am trying to freeze my credit report with Experian. They claim that they could not verify my identity and are requesting that I mail them a bunch of personal information to confirm. I feel that they are attempting to prevent me from freezing my credit easily. I also do not feel comfortable mailing these documents with my information on them, which defeats of the purpose of trying to prevent identity theft.
I bought something of XXXX from this person that I thought was legit. We did an offline transaction called XXXX. The person notified me that the item will be shipped tomorrow and if I changed or did not like the item that person would give my money back. The following day that person texted me stating that the item was shipped, I texted back asking if I was able to get the tracking number, the person did text back and stated she was driving and will get back to me. Hours pass and I still havent gotten a respond back .. that person blocked off my phone number .. and was unable to get a hold of that person. I called my bank ( bank of America ) and explain my situation and filed a claim. Today, I called and check the status of my claim and stated it was denied and for me to contact the person I had a transaction with. How am I supposed to contact someone that block me off my phone. I would of thought doing a transaction with XXXX through Bank of America was secured and would get my money back of XXXX. If anyone is using XXXX dont ever do offline transaction cause your bank will never help you and will be denied. This is a lesson learn for me, there are so many scammers out there!
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX
On XX/XX/XXXX, I noticed a my credit score had dropped substantially in the midst of getting a general projection of my credit score ( via XXXX XXXX ). I saw a hard inquiry submitted by Credit Plus ( XXXX, MD XXXX ) submitted on XX/XX/XXXX. I have not tried to pull my credit, or apply for anything. I also did not give any permission to this company I have never heard of. I've filed through XXXX   and let all XXXX Credit Bureaus know of my plan of action. I have read extensively of this company doing this quite frequently, and I am petrified for repercussions of them doing this in the event my credit score needs to be ran for whatever reasons ( new car/etc ). I truly beg you to help rectify this with this company, not only for me but for XXXX what I am sure ) is hundreds if not more consumers unknowing to their actions.
Plaza Services - Failure to provide proof of alleged debt. I was not properly notified of an alleged debt that Plaza Service was reporting as an " open unpaid {$280.00} collection '' on my credit report. On XX/XX/XXXX is when I received a copy of my credit report and noticed this alleged debt. When I did see the {$280.00} reported by Plaza Services on my credit report I immediately took action. I sent a letter via mail contacting Plaza Services on XXXX XXXX 2017 asking them to verify the alleged debt. In the letter I also stated if the debt was legit and I truly owed {$280.00}, I would pay Plaza Services in full for a complete deletion from all three credit reporting agencies. I have yet to receive any written proof of this debt as of X/XX/17. I have given Plaza services more than enough time to respond, and provide me with proof of the alleged debt.
I received a voicemail on XX/XX/2018 in which the person calling didn't identify herself or the company she worked for. She also didn't say who she was trying to reach. The phone number is from XXXX XXXX, XXXX also got a call from XXXX I called back and the woman was immediately rude and told me if I didn't pay right at that moment she was filing a court case against me for fraud. She claimed to be calling from Critical Resolution Mediation. Unfortunately for me, I fell for their scam and provided credit card information to pay off the so-called debt. The charge on my credit card was not one charge, but it was broken up into three smaller charges that added up to the total. Critical Resolution Mediation is supposedly located in XXXX, GA, but when my credit card was charged it was processed by XXXX XXXX, XXXX in XXXX North Carolina   XXXX. I can find nothing to prove this is a real business. 
On XX/XX/18 I received a voicemail from XXXX in XXXX, TX. It was the same woman reading the same exact script. Again she didn't identify herself or the company and made the same threats that if I didn't call them back immediately " further action will be taken ... '' I have saved both of the voicemails I have received to date and can provide them if needed.
In XX/XX/XXXX I leased a new XXXX XXXX XXXX, the leasing company was Ally. When the lease matured in XX/XX/XXXX, Ally offered me a discount to purchase the vehicle. I decided to take them up on their offer and was directed to XXXX, Ally 's lease buyout and processing company. I entered into a agreement In XX/XX/XXXX with XXXX and Ally to buyout the lease and re-finance the vehicle with a 60 month loan. I agreed to the Financing arrangement ( again with Ally ),  and the he loan was approved in XX/XX/XXXX. It was funded on XX/XX/XXXX. My first payment was due on XX/XX/XXXX. My next payment is due on XX/XX/XXXX The problem is that XX/XX/XXXX/Ally has NEVER processed the title of the vehicle over from the leasing company ( Ally ) and i have not received any paperwork regarding the transfer of the title in order to register the vehicle with the State of Ohio. Ohio still only recognizes the leasing company as the owner of the vehicle when in fact that lease was closed on XX/XX/XXXX and I am now responsible for paying Ally for the vehicle. The current registration expires on XX/XX/XXXX and I can not renew the registration without a new/updated memorandum Title from XXXX/Ally. After XX/XX/XXXX I will not be able to drive the vehicle legally. HOWEVER, I am will still be responsible for making monthly payments on a vehicle that I will soon not be able to drive. I have been trying since XX/XX/XXXX to get them to send me the Title memorandum and have sent several emails and made numerous calls to Supervisors at Ally and XXXX all of which are being ignored.
Since XX/XX/XXXXXXXX I have received a 'first ' and 'third ' notice from RSI Enterprises , Inc. in unmarked envelopes regarding an 'outstanding ' debt to XXXX Tax and Revenue for back taxes for a year ( ending XX/XX/XXXX ) in which I did n't live in XXXX. 

To note I have received no correspondence from the city/district regarding this situation. 
The envelopes are unmarked. 
The letters are unprofessional and appear to be a scam ( i.e. grammatical errors. 
I responded to the first letter with a call, which went unanswered, and an email on XX/XX/XXXX, which also went unanswered. 
After I received the second ( which they claim is 'third ' letter, on XX/XX/XXXX, I spoke with an RSI XXXX representative, who connected me to the XXXX Office of Tax and Revenue on XX/XX/XXXX. After speaking to the main operating line, I was transferred to the Collections Office. I have been unable to reach anyone in the Collections office, and my calls have gone unanswered and messages unreturned. I have been logging every attempt to reach the Office, and I can provide specifics : XXXX to the Main telephone line at XXXX I spoke to XXXX XXXX, who advised me to speak to your office, informed me that " errors '' regarding the appropriate taxation of XXXX residents who moved to the city at the end of the tax-year is a systemic issue in the department. She recommended that I speak with XXXX XXXX and provided me her number. 
XX/XX/XXXX to XXXX XXXX at XXXX, and again at XXXX, at which point I left a message with my name, number, and requested a call back. 
Having received no return call, I again called XXXX XXXX at XXXX on Friday, XX/XX/XXXX, again leaving another message requesting a call back and providing all my information. 
Having received no call on Monday, I called on Tuesday, XX/XX/XXXX, at XXXX. I was again sent to voicemail, where I left the same message with all requisite information and a request for a return call. 
I then escalated to calling XXXX XXXX 's number at XXXX on XX/XX/XXXX. The call was not answered. I left a message again providing my information, the history of my attempts to reach the office, and a request a return call. 
On XX/XX/XXXX, having allowed the 24-hour window for a return call, I again called XXXX XXXX 's number. The call was not picked up, so I again left a message, and indicated would be attempting to contact this office by email, should I not receive a call back by noon today. 

I want to report this pattern of delay, error, and non-communication practiced by both the XXXX government and its collection agency, RSI Enterprises , Inc . Frankly, the negligence places my credit score, and therefore my financial health in whole, at risk. I am hoping that you can help me.
PNC Bank, in my opinion, has failed to provide an adequate method of setting up automatic bill payment for its credit cards. At this time, you can not set-up auto bill pay through online avenues, and must mail in a form to apply for automatic bill payment. Further, enrollees are not informed whether they are signed up or not by PNC. An application I filed XXXX3 years ago appears to have been approved recently, which I only learned about because they double-paid my last statement balance, XXXX of which I had to conduct manually. 

After contacting a representative of PNC, I was told the only way to modify my existing auto-payment regime is to call a representative directly. Again, I have no present way of individually understanding what the auto-bill pay policy is for my account. 

The result of XXXX of the above policies is that customers are materially more likely to carry balances between statements, accruing high rates of interest on larger balances than they would otherwise. Without a feedback mechanism in place, customers are also unable to determine whether automatic payment has been set up until a billing date passes, at which point a customer may already receive a black mark on their credit report, imparting unfair economic consequences on people trying to improve their financial wellness.
The company XXXX XXXX XXXX, is harassing me for a debt they say I owe, it doesnt even show in my credit history, they say that they sent letters of collection to two address that I have not leave there for more than ten years, and the account was suppose to be in debt since 2012. They have call my work place asking for me and have call my cell phone treading to sue me even take my property away.

I contacted HSBC asking them for information on my debt and they didnt find anything, I called folder dept and found nothing so I wrote a letter asking to get the company name they sold my case to ... I suppose to owe {$660.00}. This is the number to reach XXXX. XXXX number is this XXXX. The place sounds like its empty with an echo, then they call back and has some voices like operators but I didnt hear it before ...
I was contacted by Midland Credit Management collection letter dated XX/XX/XXXX. I disputed the debt in my letter dated XX/XX/XXXX. Midland responded in a letter dated XX/XX/XXXX, which I really am lead to believe it was a generic response or no real investigation was done about my dispute. On XX/XX/XXXX I sent Midland my second dispute letter, they continued their collection activity in their collection letters dated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX Midland 's letter told me they opened an investigation on my  dispute letter. <P/>However, I applied for credit with XXXX and XXXX and they inquired into my personal credit report on XX/XX/XXXX and Midland was reporting derogatory information about me during an open dispute investigation. I was denied credit by XXXX letter XX/XX/XXXX and XXXX letter XX/XX/XXXX. <P/>On XX/XX/XXXX Midland letter notified me that they were no longer be collecting on the account.
I have inquiry on my credit report that I didn't do I need them removed time is of the essence
Home Depot  sold an account to  XXXX   XXXX   XXXX    XXXX   in the amount of {$930.00} and they have been contacting me all times of day and night and threatening to sue. I have no written or signed contract with  XXXX   XXXX . I have made all  XXXX  credit bureaus  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  aware of this matter, yet they continue to report inaccurate information on my report. This matter has become a troublesome situation for myself and my family. Any help in assisting me with this matter is greatly appreciated.
When I saw there was a {$840.00} negative account on my credit report when attempting to purchase a house inXX/XX/XXXX, I notified the credit bureau that I was not aware of this charge on my account. Subsequently the creditor ( Midland Credit Management Inc. ) sent me a response on XX/XX/XXXX stating that they were unable to determine the nature of my dispute and denied that their records were incorrect. Phone calls continued to come to my home phone, letters requesting payment of the debt and eventually they filed a lawsuit against me. My only issue with this all is that they expect me to pay for a bill that someone from Mississippi made. I have never lived in Mississippi and do not know anyone who lives there therefore did not feel I was obligated to pay this debt. My court date has now been set for XX/XX/XXXXand I have to put time and money into a debt that I did not make. Can you assist?
My loan was showing inaccurate from Carrington Mortgage for almost 2 years from the time it was service transferred to them, They were not recording my payments that were paid on time every month. Now they supposedly have the account updated but I still feel the numbers are inaccurate and they have reported to all XXXX credit bureaus that my payments were missed when actually they were never late at all
Bank of American changed my information mailing address, contact information without informing me. They can not tell me who did it or why. They then transferred all my funds out of the account to an unknown address. fraudulent activity was occurring in this account without my knowledge. I have filed a complaint as well as a fraudulent claim with Bank Of America. They have not responded and I can not get ahold of anyone to help me resolve this issue. The lack of concern over what was done to my account is alarming to say the least. I have no even received a phone call for any kind of follow up! I filed a police report as well as a letter to B of A Headquarters.
I had sent in XX/XX/XXXX my paper work for forbarrance with Navient. They failed to call me or send emails or papers in the mail stating that they needed more information to process my paper work. I had to call them myself to find out, and I just called them in the beginning of this month, XX/XX/XXXX, my payment plan ends this month also. Then I spoke with a gentlemen that said I needed my husband who has nothing to do with my student loans, we file spereatly every year in taxes, information and I told him no it states in the paper work they do if we file together in which we do n't. Then I look again at my online account with Navient this moring, XX/XX/XXXX and I was charger XXXX to my account for no reason. I get hit with interest every month that adds up to maybe {$150.00} a month. I will be calling them about this matter this morning. I am so frustrated with them not contacting me if information is needed and charging me when it is not needed. I ended college in XX/XX/XXXX with XXXX in loans I am not almost at XXXX in XX/XX/XXXX. Not right for them to charge this much in interest. I should not own them this much. Something needs to be done and I want them to fix my loans, no one ever has a straight answer when I call either. I would never recommend them to anyone.
There's an account on my credit report that is not mines, it has me as an authorized user inwhich I have no knowledge of, and I would like this account removed immediately. The account in question is Chase Card, with a XXXX credit limit.
Halsted Financial Services continues to call me at least 5 times a day. When I called the area code ( XXXX ) number they wanted me to confirm my social security number and date of birth. I refused and asked them what this was about. They would not tell me. I do not owe any outstanding debts and have told them to quit calling me. I have told them I would contact the CFPB and file a complaint. They hung up on me without saying good bye. This needs to STOP. The caller idea says the company is Halsted. But different area codes keep turning up on my caller id from XXXX, XXXX, XXXX, and XXXX area codes. Please ask them to stop harassing me over a debt that I do not owe.Have t
In the months of XX/XX/XXXX and XXXX 2017, I made contact with NCC Business Services. Upon receiving payment for my collections they agreed to remove the collections from my credit. Since then they have NOT removed the item from my credit. Please pull up phone records with the company. I recently made contact with the company and they are still giving me the run around.
XXXX XXXX XXXX ( NRA ), XXXX XXXX XXXX, XXXX, PA ( XXXX ) XXXX entered an amount on my credit report that was already billed to XXXX and XXXX paid the amount due to XXXX XXXX Hospital several years ago. However, this complaint is not about the bill or the amount. It is about how this claim was communicated.
My son noticed this amount, and the information about this amount, was entered on his credit report. He called the credit reporting agency to report that his credit account had false information.
The credit agency directed him to call XXXX XXXX XXXX ( NRA ) to resolve the false claim. He called and spoke with the representative at NRA.
When my son asked about why this false information was on his report, the representative told him there was a mix-up with the last name. Then, the representative proceeded to tell my son all of my personal identifiable information, including my address and birth date.
Of course, my son knows this. But what right does this collection agency have to give out anyone 's personal identifiable information to any one? Could n't they simply verify that the charge on my son 's report was mistakenly added to his report without disclosing my information? What reason would they have to tell anyone personal information about someone else who they ( the agency ) mistakenly exposed?
Further, the NRA representative had no idea that the person on the other end of the phone line was indeed my son. It could have been anyone. How many other callers have been given my personal identifiable information? There is no way to tell. This is a serious breach of confidentiality and one of the reasons there are so many mistakes on everyone 's credit reports. Am I to understand that my personal information is being floated to whomever calls and asks for it? Not to mention that the information is false no matter whose report it lands on.
I have requested multiple times that Experian remove all of the information that I have circled on the attached credit report. They refuse to do so. They keep sending me an updated credit report saying that the information is not there and pretending to not know what information that I am referring to. 

Please see attachment.
XX/XX/2016. My second partial payment was electronically transferred to SLS on XX/XX/2016, two ( 2 ) days before the grace period expires. SLS not only charged me a late fee, it has now reported my payment as late to the credit reporting agencies, negatively impacting my credit. This appears to be a violation of Regulation Z, which requires that a periodic payment be credited upon receipt. This is not happening on a routine basis.