WillisBack/dataset-financial-user-claim huggingface dataset:
This morning around XXXX on XX/XX/XXXX, I was called by a debt collector from 'Unifin Inc. ' attempting to collect over {$900.00} in medical debt from XXXX for a XXXX I received in XXXX. I have received several calls from this phone number over the last two months, but every time I would answer the caller would hang up. This is the first time there has been a person on the other end. 

The woman on the phone told me how much I owed, and sent an email with the website XXXX in the signature on my request. When I told her I was pretty sure I had already paid the debt, she gave an insufficient explanation of the source of the debt. I told her I had checked my credit report a year earlier and had zero items in collection, but she had no sufficient answer for that either. 

I asked for her to send official documents in the mail, and she said she had sent them. She then told me I could make a deal to settle today for {$650.00}. I informed her I would need to double check with a credit agency to make sure the collection item was legitimate, and I could call back another time. She preceded to adopt a harshly critical tone, informing me that the debt may not be with them any longer after today, and they would pursue any means available to collect the money, and promptly hung up on me. 

When I checked my XXXX  credit report this afternoon, there are still zero items in collection on my account. I am fairly certain this is a paid debt. Unifin 's tactics, obtuseness, and opaque process are all very concerning.
National Check burea and XXXX XXXX XXXX need to be put out of business regarding bad debt issues they are a cancer to American consumers none of money involved was ever borrowed from them they add thirteen percent interest on their investment because they can I say break them fast their causing a very bad life for people in our country
I got a call from  ABR Recovering Services (  http :   XXXX  /  XXXX  Claim Number  XXXX  ) stating that I owed them {$2700.00} from a Tv that I took out i n   XXXX  . All  my accounts have been closed with conns in good standings and paid in full. I stopped by conns they printed me where I 'm paid off with no balance due. My biggest issue is how they HAVE MY SSN, PHONE NUMBER, ADDRESS, and other other info. I called  XXXX  customer service and they stated they are not responsible for other agencies having MY PERSONAL INFO THAT I GAVE   XXXX    ACCESS TO. I dont know how they got my info when I paid everything in full and before contract was up. ABR stated they can not give me more info just to make a payment which i have proof I paid it off in full.
This is about an issue that I have addressed several times. I have been assigned case numbers repeatedly. To date, without success from CFPB.
After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit bureau has not satisfied it obligation to provide the information requested.
We have tried to do a loan modification XXXX, dealing with its subsidiary Select Portfolio Servicing ( SPS ) and have been unable to get a clear answer to move forward. The communication with them is very difficult and always change the person in charge of the case, which cause delays on the process. Their initial approach is always harsh and negative, done by a call center that usually do not have information about the loan modification process. We sent all the required documentation and, after months of negotiation, they denied the loan modification and did not want to evaluate all the facts on the case to get a positive result. We feel the company SPS did not do everything on their hands to help us, having all the necessary documents showing that the proposed monthly payment could be paid by us. They based their decision in figures that are above market value and did not provide a concrete answer for the modification denial. We are sending a new loan modification package with extra documentation to see if they can do their job and approve the loan modification. 
We appreciate all the help you can provide on this matter as this is our primary home and we are desperate to save it. 
Best regards, XXXX XXXX & XXXX XXXX
I sent a letter of dispute on XX/XX/2018 asking for them to validate the account they were attempting to collect by sending a signed contract. They did not send the information I requested, but instead reported to the credit bureau 's that it had been verified as accurate. They have not responded at all to my request. I have informed them that they are are required by federal law to validate - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request to see Validated Proof ( an original Consumer Contract with my Signature on it ) XXXX XXXX XXXX XXXX has on file of the account they claim I owe since I have never had an account with the company they represent and believe it to be a case of identity theft.
Hello, I have 4 hard inquiries on my credit report t without my authorize. The company name and dates on my credit report are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Account Resolution Servi # XXXX is fraudulently trying to collect from me another XXXX dollars since XX/XX/XXXX and I already paid them. I recall paying this XXXX dollars at least two times but I can not find the other checks. 

This fraudulent agencies need to be stop by the government. They know that banks only keep back records for seven years and some people do not keep their records. I keep all records. That is why they need to be stop from collecting fraudulent charges back to seven years. 
I paid the XXXX primary care physician XXXX dollars on XX/XX/XXXX. I paid them with check number XXXX since XX/XX/XXXX. 
I gave that information before to that company but they still want more money from me. Guess what? they are not going to get it because I already paid that account.
The XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX, Kentucky, XXXX, denied my loan application based on erroneous information on my TransUnion credit report, then failed to respond or address concerns related to the loan resulting in several overdraft fees to my account. I would like to complain both against TransUnion for posting the erroneous information and XXXX for relying on it and not addressing the concern once they were alerted that it was erroneous. 

The information of my TransUnion reported was disputed and removed shortly as erroneous. However, without making any effort to contact me, XXXX denied my my small loan request ( {$500.00} ), and then failed to respond when I reported that the information on which they relied was erroneous and deleted. After I complained about the overdraft fees, however, XXXX called me and said they do not respond to messages sent after a loan is denied and I could simply apply again, which of course would damage my credit history.
XXXX   has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost  my credit score to pl ummet substantially. They have as of today    XXXX   XXXX  ,2017 re moved my   XXXX   XXXX   XXXX   Discover Card,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I have contacted all th e Data Furnishers and they have all re-reported the accounts and  XXXX  has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.
The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about 3 days ago it showed up on my report
I have been trying to go to settlement for over a month. It was scheduled again today, and now the mortgage company says they are not ready AGAIN!!! The people at Residential Mortgage Services ( NMLS # XXXX ) in XXXX, PA seem to be completely inept. I 'm beginning to wonder if they are even a licensed mortgage company. This has moved well beyond ridiculous now, and I have inconvenienced and cost many people through this whole process. I am the seller in the transaction and need to get this done.
To whom it may concern : I have had my XXXX XXXX XXXX card for a very long time and I was always very happy with it up until recently. I had emergency repairs in my house I had a leak and I live in a XXXX XXXX house and it was structural emergency that had to be fixed right away. I called XXXX XXXX to explain the circumstances and let them know I would be a few days late with my Minimum payment because of the emergency. Instead of working with me they cut my limit under my current balance and took of my pay over time feature away raising my APR up to 27.49 %. 
I have called and talked to several Mgr 's at XXXX XXXX XXXX most of the calls were out sourced to a different country which I went in circles trying to get something simple resolved. 
I had no other choice but to file a compliant with the XXXX and it still was not resolved after they mailed a letter to Corporate XXXX XXXX but nothing. 
I am quite aware that there is a Credit Card Accountability Responsibility and Disclosure Act of 2009 law that requires the card Issuers ( XXXX XXXX ) to provide written notice to consumers ( XXXX XXXX ) at least 45 days before the effective date of an increase in an APR or any other " significant change '' The 45 day advance notice rule is designed to provide consumers with sufficient time to respond to a change in terms notice which I got in 1 day notice by email that 's not fair. I paid my minimum balance of {$4800.00} and they emailed me for another {$13000.00} 2 weeks latter. I think my minimum payment was a few days late and I am current now but no one at all with work with me. I just want my terms put back the way it was before so I continue my good history with XXXX XXXX. Please let me know if you can help me resolve this they are not working with me even knowing they broke the law. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
XXXX has a satisfied collection on my report from XXXX .I contacted XXXX they have no record of bills or contract.please have this removed immediately thanks
Citibank refuses to put the correct XXXX number on my bill every month. This month after spending a half a day trying to pay my payment, I found out that XXXX XXXX did not credit my payment of {$32.00} and now I have received a past due bill when I made the payment over the phone with XXXX. Citibank needs to be fined the maximum allowable by XXXX law for their lack of customer service and their refusal to spend the money to properly credit bills and install an automated system so payments are credited when paid and I do n't have to waste more time than it worth every month.
Today XX/XX/XXXX I received a message about an " Important Business Matter '' from the XXXX XXXX XXXX. Because i was at work at the time and headed to a meeting me intention was to contact them after my meeting was over. before i could, XXXX XXXX ( XXXX ) sent me an email to my job asking me to contact him about an important business matter and that he contacted my payroll department and they were nice enough to provide my company email address. He also quotes a XXXX in payroll gave him the information to contact me. I replied to his email asking him to not contact me at my place of employment and that i would contact him after i was out of meetings of that he could contact me via my personal email or via my home address since i was unaware of what this was pertaining to and have never received information regarding this " business matter '' previous to his call. He then replied to my email 2 times after stating that he could not contact me via my personal email to discuss this and that he would be contacting my payroll department again to have assistance with this information regarding me. He then sent an additional email apologizing for contacting yet again. to which i replied i would be forwarding this information to my attorney.
I have been at the same residence 25 yrs. After my card was declined with no notice When I questioned t what happened. I was told more than one story and was told to submit 4 types of I'd. Their agent told me I could cancel the card but could but she could not tell me about the questionable activity and advised to leave the account open. If you don't know someone's I'd. How can you allow them to cancel an account? After years with Capital One I believe their customers are at high risk.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the thirty day mark and has not and will not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter in a timely manner for it has cause me a great deal of pain. Thank you.
Equifax mishandled my personal information including Name, Social Security #, Address, Date of Birth, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site XXXX. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I submitted a dispute via certified mail on XXXX XXXX  2017 to all 3 credit bureaus : TansUnion, XXXX, and XXXX. I disputed two accounts, XXXX XXXX and XXXX XXXX, stating I was no longer liable and requested they be removed from all three credit bureaus. I received notification from XXXX stating the accounts in questions were deleted from my credit file. I have also received notice back from TransUnion were they are stated the information was verified, but not validated. I have not received any proof of the verification or validation regarding these disputes from TransUnion. I have not received anything from XXXX regarding this dispute and it has been over 30 days. I contacted XXXX about the disputes and the rep stated she did not see where it had been submitted and for me to do it online or mail it in. I advised the rep that I had also faxed information, but she stated she did not see that information and maybe I needed to upload it. I have copies of all the disputes that were sent to all 3 bureaus and a copy of the certified receipts and the results from XXXX stating that these accounts were removed and deleted.
Ive notified TransUnion via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, TransUnion only sent me a credit report stating that the accounts were verified. The FCRA says that TransUnion has to provide me with the information used to verify the account in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. TransUnion has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the account.
On XX/XX/XXXX i applied for a credit card with XXXX under the impression they serve the military members and was denied based only on a out of state mailing address, their website clearly stated i was eligible as retired military serviceman and i can prove my status anytime upon request however i was denied, no where did it state my mailing address had to be within texas furthermore the website after taking in my address and information clearly stated i was eligible and only after that did i proceed. This is not a mistake on my part but because of XXXX faulty/incorrect membership criteria is misleading and the misleading information will cause my credit score to drop causing my to pay higher interest rates this is not fair to the consumer.
DBA XXXX XXXX XXXX {$460.00} DBA XXXX XXXX XXXX {$300.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.
First, I would like to state that I made the same complaint ( XXXX ) recently about XXXX XXXX XXXX, however ; my comment was sent to XXXX XXXX XXXX not XXXX. Please send to XXXX XXXX XXXX, as they own the loan. XXXX XXXX XXXX continually raised the interest rate on a loan I was paying every month, making my monthly payments unaffordable. I was, at the time, paying at least {$75.00} more than the minimum payment due in an effort to decrease my principal amoubt and XXXX increased my interest rate 9 times in a single year. When i contacted the administrator XXXX, they told me that there was no option of repayment negotiation or payment plan via XXXX and I had to keep paying. My monthly payment is {$200.00} per month minimum ; that is ridiculously unaffordable.
On XXXX, was offered a XXXX point offer on the American Express site as a pop-up for a Platinum card after internet search. Pop-up advised against navigating away from the page. When I applied, I was prompted to log-in due to an existing Corporate card log-in profile. When I logged in, the offer dropped to XXXX points upon log-in. I chatted with Amex online and spoke to AMEX Customer Service and Apply who indicated a potential issue, but had no way to know if I was targeted for the offer, had no way to retrieve and told me to clear my browser cache and apply again. Applied again and got the XXXX point offer via my corporate card login. Applied and my application was put into pending status. Called Amex - application was missing a country code of US despite having NY address on file. Received approval via phone and email. Advised card would arrive within 24-72 hours. Week later and 4-5 hours of calls with Amex ( on 4 days ) I have no card, no card card number, and lower possible rewards. Apparently technical glitch kept card number from generating. Asked to speak to managers multiple times and was sent to voicemails or people hung up. Getting charged {$600.00} card fee anyway. Unfair business practices - lowering offers and manipulating availability.
XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down XXXX over XXXX points.
I traded in my XXXX XXXX XXXX to XXXX for a XXXX XXXX XXXX. The dealer said to not make my final payment due to me trading the car in and that they would receive the payoff the next business day. Short story is my payoff for the XXXX got to XXXX XXXX ONE day late. They reported this to the bureau and will not remove it. I'm in the process of trying to buy a house as a first time buyer and this is reflecting in a negative light with lenders. ONE DAY. I've called XXXX XXXX and they say nothing can be done is what it is and offer no help what so ever. I've contacted to dealership where I leased my XXXX and all they say is sorry it got there a day late.
The water delivery service XXXX XXXX pure, is offered thru XXXX. I gave them the XXXX XXXX and set up auto pay. Some how the XXXX XXXX AKA XXXX had fraudulently billing by opening XXXX accounts with the account number XXXX and XXXX, and charging every month for many many months. 
As XXXX is such a reputable company, I allways pay the bill without going into details. This duplicate, fraudulent billing from the XXXX XXXX Ref XXXX went on for many months. One day, I realized and called XXXX XXXX as well as XXXX. They put all these duplicate charges in dispute. After this XXXX sent all those charges to collections, then A person from XXXX XXXX with the name XXXX XXXX called on XX/XX/XXXX at XXXX called me and said the account is cleared as of XX/XX/XXXX by XXXX. 
Now in XX/XX/XXXX, I realized that they informed the credit bureaus saying that I owed about {$160.00}. This dented by credit score so much, that I am having hard time getting home loans. I request you to call, intervene and do me the justice by calling Collection bureau of America number XXXX Id number XXXX. I would like you to deeply investigate into this matter as I do n't want these XXXX to defraud hapless, innocent customers like me.
In XXXX of XXXX I paid off my balance for my new Banana Republic credit card. They did not inform me that there was as additional fee and left me with a negative balance after I specified to pay off my entire balance. A few months passed and I received a letter that I have been reported to the credit bureau for a negative balance on my account, I contacted Banana Republic and resolved the matter where they wound up apologizing, received a credit on my balance ( this was a first ), and then received check for the miscalculation of my balance. My credit score dropped in the meantime while they had to fix this error on their end, they also advised that they were not able to send a letter or do anything to remove the report to the credit bureau. Banana Republic also closed my credit card without notice.
As my letters indicate, I declared bankruptcy in 2013. However, even though XXXX mortgage accts with BofA were included, I have not missed a single payment during or since the bankruptcy. Never missed or been late since XXXX accts were opened. However, BofA does not report my payments to any of the credit reporting agencies. When I complained to BofA, they sent me a list of the agencies and their phone numbers, but the agencies just report what they received from my creditors -- -except BofA does not report anything from me. I even told the agencies and BofA that I would, at my expense submit copies of the checks from 2013 to the present for XXXX accounts showing payments. The agencies ignored my letters and BofA, as their letter indicates only sent me a list of credit agencies. I need to get BofA to report my payments to them for these XXXX mortgages.