WillisBack/dataset-financial-user-claim huggingface dataset:
I received XXXX in XXXX. I received a bill of over {$1600.00} from the medical facility. I made arrangements with their billing company to make monthly payments of {$73.00}. I set the payments to happen automatically from my bank account every month and did n't miss any payments. I went out of town on the XXXX of XXXX. Yesterday, XXXX XXXX, I received a call from a collector. The billing company sent me to a collector and they are asking for over {$120.00} per month. I am trying to reach the original billing company. XXXX of their representatives confirmed that he could see my monthly payments but my file had not been updated to reflect the payment arrangements made. They say they can not do anything at this point and that I have to deal with the collection agency.
To Whom It May Concern : My complaint is against this mortgage company : MB Financial, mbmortgage.com,  XXXX acct. # XXXX Beginning in 2019 I decided to pay off my mortgage within 5 years. I have a 15 year loan, have paid on it 5 years and I have 10 mores year before I pay it in full. Beginning the month I paid {$2500.00} towards my principal along with my monthly mortgage payment of {$3000.00}. Thus, for the next 5 years I will be paying {$5500.00} each month in order to complete paying off my mortgage in 5 years.

I went to the MB Financial website and made the arrangements described above. 

A problem developed when I looked at my bank records and noticed that MB Financial took out the {$5500.00} from my account and also accepted my Bill Pay check of {$3000.00} that I had been making to them for the previous 5 years. I promptly called their office and explained the situation. They stated that I should have stopped payment on my automatic payment of {$3000.00} as their " system '' could not withdraw just the additional {$2500.00} I had stipulated. I told them I understood their explanation, however I explained to them that I had only authorized them to pull out {$2500.00} from my checking account. Their website did not make clear that they would be taking out the {$2500.00} I authorized plus the normal {$3000.00} mortgage payment. 

So to resolve the issue I asked them to wire back the extra {$3000.00} they had withdraw, without my authorization. They said they could not, but that they would send me a check sometime soon. Today is XX/XX/XXXXand they still have not refunded me the extra payment. My first call to them was on XX/XX/XXXX. I have made 7 calls so far and still do not have the {$3000.00} they pulled out without my consent. Today, I called to speak to the supervisor, XXXX, and I have yet to get a call back from him. 

This " bank '' has pulled out money from my checking account without my approval. In addition, they have not had the decency to refund me the money. I request your assistance in getting they to resolve the issue. 

Thank you for your help.
I have an illegal online lender reporting a several year old charge off on my TransUnion report. I have disputed the validity of this item as many as 10 times in the past two years and each time I never receive any information from TRU except " Account Verified ''. I have asked repeatedly for the means of verification and the details that were verified only to be told that this is TRU internal information only and can not be shared. With each dispute, I have received a letter from the information furnisher acknowledging the request for debt validation, but never anything actually validating it. After speaking with a supervisor at TRU following my last dispute on XX/XX/2017 ( which was closed within days as " validated '' ), I contacted the original creditor ( information furnisher ) in writing demanding validation of the debt including all pertinent information they are reporting. I received a letter a few weeks later that stated " We are unable to validate this debt. '' I again contacted TRU with this information and was told to fax them the letter which I did. I was told by TRU that it would take up to 5 days to complete the update to my file. Having received no response or acknowledgement of receipt from TRU, I called a few days later for an update. At that time, I was told that TRU had initiated another validation request to the creditor and they then had 30 days to respond. After being transferred to a supervisor and demanding to know what additional proof they needed and what exactly they are validating, I learned that this is the exact same electronic request they have allegedly sent close to 10 times previously that does not require any evidence or any kind of real validation other than a YES/NO reply. I asked why they were doing this knowing that they had sent the exact request multiples times already and since they had a letter in their possession from the creditor that plainly states validation is n't possible. Unbelievably, TRU 's answer was that they " need to ask the creditor if they agree with the contents of the letter. '' This is a letter that THEY WROTE! In exasperation, I asked one final time, what proof I needed to provide that would at long last remove this item and I was told that they could not tell me that as it is internal information. 

It is obvious that TRU has not validated this debt as they claim as the creditor themselves stated in writing that it is n't possible. TRUs unwillingness to accurately verify the items they report, and their refusal to remove reporting of items that have been proven invalid is a clear violation of, and willful non-compliance with the Fair Credit Reporting Act.
i have a current loan and was wrongfully repossessed, i was advised that i had a deferment payment how ever no paper work received, to confirm, i was advised via phone deferment was approved .after submitting over XXXX in fees to recover my vehicle, Further more a tracking device was installed in my vehicle with out my consent ... .... I have ha numerous calls to my mother home after requesting 3 times to contact me only and provided a secondary number that i agreed for them to contact. This company has had numerous complaints I am not the only one I just want fair treatment per Florida state law.
We were notified via XXXX that equipment had not been returned and failure to do so would result in collection. We were informed after we had already moved. We quickly found all equipment and sent it back via XXXX as per request from XXXX. That is the last we heard from them. We were not notified of cancellations fees or any other fees associated with terminating due to moving. Had we known we would have corrected this issue before they sent it to collections. Now it is hurting are ability to close the mortgage on our home.
It should not cost to freeze and unfreeze credit. With the recent breach, freezing all three should be free. Even giving one free freeze/ unfreeze a year would be good.
On my XX/XX/2016 Amazon Store Card Statement issued by this bank I was overcharged by {$260.00}
To whom it may concern, I received a letter yesterday ( XX/XX/17 ) dated XX/XX/XXXX informing me that Citi had closed my account due to lack of activity. This was the first communication I had heard from them regarding the inactivity and the potential for closure. 

I called the number on the letter, and requested to re-open the account. I was told that I would not be allowed to do so without a hard inquiry into my credit. This would of course have a negative impact on my credit score. I also requested that they transfer the line of credit onto another of the cards that I have open with Citi,  which was denied. 

I requested escalation and was connected to XXXX who is an Account Manager with ID # XXXX. She told the the same information. 

I have been a long-standing customer of Citi credit card and banking, and by having multiple card accounts across different financial institutions, I am aware as well that these practices -- the lack of notification and lack of remedy without a negative impact to the consumer -- are irregular within the industry, and are highly anti-consumer. Additionally, having an account closed by the company could reflect badly on credit reports and scores as well, both through the closure, as well as the reduction in outstanding credit in the debt/credit ratio. 

Citi knows I am a longstanding customer in excellent standing who has never failed to pay my obligations every month on time, and in fact still sees fit to extend me credit via other cards -- this decision had nothing to do with creditworthiness, just account activity. Therefore, I insist that the account be re-opened without a detrimental hard inquiry into my credit, or that I be allowed to transfer the full credit line to another Citi credit card account. 

Thank you for your consideration.
To whom it may concern, I mailed a Multiple Inquiry Removal Letter by certified mail in order to dispute information, in regards to multiple hard inquiries that were being reported on my credit reports. They recieved this request XX/XX/XXXX and responded XX/XX/XXXX. The request that I submitted included the list of Hard Inquiries that were not factual and I received the same response for all inquiries, stating " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. Receiving a response five days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I did not inquire or signor give consent in any way for the inquiries and was looking for a validation into where they came from. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries and request that they be removed from my credit report.
I have a debt with citibank for an old XXXX card, my debt was sold to a company called XXXX. In XXXX of XXXX I recieved a letter informaining legal actions will be taken to receive money for the debt, however i could stop this if i call there legal office and set up an arrangement, which i did on XXXX/XXXX/XXXX and the first payment of XXXX dollars was made on XXXX/XXXX/XXXX and after that until XXXX/XXXX/XXXX monthly payments of XXXX dollars was made on the account. Now when i set up the arrangement last XXXX i informed the rep to leave notes that I would be laid off on XXXX/XXXX/XXXX, i was informed to contact the company when it close to that day and I did on XXXX/XXXX/XXXX. The manager who took the recored calla and I asked him to leave notes on my acct said he will have the last payment come out on XXXX/XXXX/XXXX and he stop all other automatic payments and he would send me new paper work and that i had to return with my termination letter. Now as of yesterday XXXX/XXXX/XXXX I received a credit monitoring notice information me i had a judgement on my record and it was found it was placed by XXXX with the county of XXXX in Virginia on XXXX XXXX XXXX ( while payment were being made on the acct ). I called the company and asked why this had taken place they said because I stop making payments and that I didnt return the paper wrk that was sent to me ( this is the paper work i have been waiting on ). It was later discovered that they sent said paper work to an old address of XXXX XXXX va and not the address that all my payment reciepts have been coming to of XXXX XXXX XXXX XXXX va.
To whom it may concern, I am being charged twice by a company which is attempting to collect a debt. They said I did not pay a bill to XXXX. I had been a long-time customer with XXXX and I gave notice to cancel my car insurance some time around XX/XX/XXXX in XXXX prior to moving to XXXX full time. To my knowledge, after cancelling with them, I never received any further bills from XXXX. 

On XX/XX/XXXX I received a notice from : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX ( they dont answer their phones I left many messages explaining I never received a bill. 

Since I live in XXXX, I did not want to hassle with this nor did I want anything to effect my credit rating in the states so I and went ahead and paid {$69.00} ( which is what they claimed I owed ) on XX/XX/XXXX. I used my XXXX XXXX XXXX. They cashed it *see below and then, they recently sent me another notice to pay them the same debt. They sent that notice on XX/XX/XXXX. 

This is what appeared on my XXXX bank statement DescriptionTypeAmountXX/XX/2018Online Payment XXXX To Jonathan Neil & Associates , Inc XX/XX/XXXXBill payment {$69.00} I do hope you can help me. 

Thank you
I was young and thought I had gotten a check for early payment on services and was getting this nice cozy job but got scammed. It has caused nothing but chaos on my life trying to open a bank account and being denied everywhere due to Bank of America.
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX  XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I OPENED UP A CAR CARE CREDIT ACCOUNT APPROX A YEAR AND A HALF AGO I HAD JUST PURCHASED A XXXX NISSAN ROGUE AND PLAN TO USE THE CARD FOR OIL CHANGES AND REGULAR MAINTINENCE, SINCE IT IS A BRAND NEW CAR AND NEEDED NO MAJOR REPAIRS. UPON GOING TO GET THE FIRST OIL CHANGE AT XXXX XXXX WHO WAS LISTED AS A MERCHANT, I WAS DENIED SERVICE AS THEY SAID THEY WERE UNSURE HOW TO PROCESS CARD SINCE IT HAS NO EXPIRATION DATE SO I WAS ENDED UP USING ALTERNATIVE FORM OF PAYMENT. AFTER ATTEMPTING TO USE XXXX XXXX AND ALSO XXXX I ALSO DID NOT HAVE SUCCESS WITH BEING ABLE TO USE MY CAR CARE ONE CARD FOR ANY SERVICE AS BILLING WAS AGAIN AN ISSUE I ALSO HAVE THE HEALTH CARE CREDIT ALSO FROM SYNCHONY BANK AND AND KNOW THAT THE MERCHANTS HAVE TO MANUALLY ENTER THE BILLING INTO A COMPUTER TO PROCESS IT IS A LONG PROCESS WHICH FRUSTRATES MOST VENDORS AND MOST WILL JUST SAY THEY CAN NOT PROCESS PAYMENTS WITH THE CARD. UPON MY 4TH ATTEMPT TO USE MY CAR CARE ONE CARD I FIND OUT THE CARD WAS CLOSED THEY TOLD ME DUE TO INACTIVITY, I SPENT ALMOST AN HOUR ON THE PHONE WITH A REP AND TOLD ME THE MERCHANT SHOULD HAVE KNOWN HOW TO CHARGE THE CARD AND IF NOT THEN THEY COULD HAVE CALLED FOR ASSISTANCE THE ONLY THING THEY WERE WILLING TO DO IS RE ISSUE ME ANOTHER ACCOUNT, WHICH THEY DID AND PROVIDE ME WITH MERCHANTS THAT WERE NOT LISTED ON THE WEBSITE BUT THAT WOULD ACCEPT THE CARD AS PAYMENT WHICH WOULD HAVE BEEN MUCH HELPFUL PRIOR. AS A RESULT OF THEM CLOSING MY ACCOUNT SUDDENLY IT DROPPED MY CREDIT SCORE XXXX POINTS, I SPOKE TO THEM ABOUT REMOVING THE CLOSED ACCOUNT FROM MY FILE, BUT THE ONLY THING THEY WANT TO DO TO ADD A STATEMENT THAT THE ACCOUNT WAS CLOSED DUE TO NON ACTIVITY WHICH WILL BE NO HELP IN RECOVERING MY DROPPED CREDIT SCORE AS A RESULT OF THEM CLOSING THE ACCOUNT.
I am losing my home to foreclosure. The mortgage company Select Portfolio Servicing had sent me a letter with a number and email address for someone I can ask questions about my situation. I emailed them to ask if there was anyway that they can delay the foreclosure sale for a few months due to the fact that I ca n't find a place to live. I am recently divorced. My ex-husband ruined my credit, so I am having a hard time finding a place to live. They did send me a letter telling me that they would give me {$3000.00} if I leave the house. That sounds great but If I do n't have any where to live, that wo n't help. I never received an answer about delaying the sale. This is a really stressful time for me. It 's bad enough that after 25 years they are taking the house, but I need some more time to find a place to live. My car is n't big enough for my belongings. This mortgage company always stresses how much they want to help me. They have done nothing for me except create more stress in my life.
Asset Recovery Associates contacted me stating they were going to sue me and place a lien on my credit card for a fraudulent credit card debt that was opened when I was XXXX. Informed that I 've already disputed it and had it removed from my credit report almost 10 years ago. Informed not to contact me anymore and asked the representatives name. She would n't give me her name and I told her to have her collection agency remove me from her list. She informed me she was n't a collection agency. Used harassing and offensive language and said she was going to call my work. Informed I could n't get calls at work and she called anyways.
A bankruptcy is showing on my 3 credit report when it should not be on my report because i never followed through with the bankruptcy. 

There is also on collection showing on my Equifax report of {$98.00} that should not be on my report because it was fraudulent.
I have written and spoken with XXXX, Transunion, and XXXX several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, XXXX removed the bankrupcy but put it back on and Transunion and XXXX did n't budge has refused to budge and continues to report this on my file.
Initially I disputed an account, which came back verified, I believe the that the investigation is questionable.
Contaced by text message to my cell phone with the following unsolicited message from XXXX : You Have Been Approved For Forgiveness Of Your Federal Student Loans But Your Application Is Incomplete. Please Call Our Office At : XXXX To Complete Enrollment.
I obtained an online loan through XXXX XXXX XXXX  on XX/XX/XXXX in the amount of {$1600.00}. after paying on the loan in the amount of {$190.00} every 2 weeks, the last payment being made on XX/XX/XXXX and paying a total amount of {$590.00}, I was unable to cont paying every 2 weeks at that payment amount. I tried to work with XXXX XXXX on a payment arrangement to pay off the amount owed, however they were unwilling to work with me. After doing some research I noticed that they did not have a license to lend in Indiana, so I revoked my ACH with them. They have since charged off my account, but they have sold it to a 3rd party collection agency. The name of the 3rd party collection agency it was sold to is Rocky Mt Capital Management. I was told it was sold to them on XX/XX/XXXX. I have not received any information from them in the mail and last week I began getting contacted by someone by the name of XXXX XXXX, saying I owe {$3100.00}, but her client will settle for {$2300.00}, if it is paid by the end of the month. She tells me she works with XXXX XXXX  in XXXX XXXX, and her client is Rocky mt Capital. I am unable to pay this amount. If this amount isn't paid she said that her client will file a suit against me. I told her I never received anything in the mail. She also told me that the amount of my payment with XXXX XXXX was {$50.00} a month and that I only paid 1 payment which is untrue. She has me call one number to contact her, but calls me from 2 other numbers, one is a XXXX XXXX number ( XXXX ) and the other is an XXXX, XXXX number ( XXXX ), but the number she has me contact is XXXX. I called the XXXX In number once and a XXXX answered the phone. I hung up, it all just seemed fishy to me. Not sure how to go about resolving this mater. I do not want to be sued, but I can't afford to pay what they are saying I owe. I don't have a problem paying back the principal amount of what I borrowed, but I would need to set it up on payments. And I don't even know if any of it is real, with the tactics they are using.
I have been trying to dispute many collection accounts that were inaccurate and or falsely reported on my three credit reports with very minimal results until I submitted complaints with the CFPB and got results from both the credit bureaus and the actual collection companies. But, Equifax still has an account listed as open and with balance in collection! I had disputes listed with Equifax and even get email correspondence stating results are posted ( for only a few more days now ) and yet I can not even log into the website with my personal info and unique Confirmation Numbers!? I keep getting the same error message of : We are unable to Process your request ... .. 
My results from using CFPB even had the collection agency replying saying they have sent corrected and updated info TWO TIMES to the credit bureau and yet still listed at Equifax? I would like to know ( view ) why Equifax has not fixed this, but unable to even re-dispute ( send more documentation ) anything without access to their website?! I have contacted their customer service only to be told I must contact them directly? I thought I WAS contacting them? Do I need to show up in person for a meeting? This is ridiculous! 
Needless to say, during this long process I have been denied for leasing on living arrangements due to all this wrong information and the needed points were not gained/showing to grant me loans/application approvals. 
I have attached my documentation and screen shots of Equifax error message, correspondences and account numbers.