WillisBack/dataset-financial-user-claim huggingface dataset:
Pro collect shows up on my credit report to owe {$210.00}. 

I contacted the collection agency, at XXXX XXXX in attempt to pay the debt. When they refused to provide a proof of payment or receipt of payment by email for me I asked to speak with a supervisor or higher authority, the lady put a man by the name of XXXX XXXX on the phone, he refused to tell me his first name because he said that it is against their policy I went on to ask his position, he told me that he is a recovery specialist I asked if he was a manager or supervisor and he told me no. I told him that I specifically asked to speak with a supervisor or someone of higher authority and he told me that he could not allow that. He then stated my name to be XXXX XXXX I told him that is not my name and he then asked for my name. I said Im not giving my name since you have my social tied to someone else, he then said that there is two names and he just assumed mine was XXXX XXXX. I refused to give my name after discovering that a different name is tied to my social. He then began trying to force payment by asking for my card number while yelling at me that he was putting me down as refusal to pay. He continued to talk over me when I continued to ask for a supervisor. Repeating that he was putting me down as refusal, he told me there isnt a reason for me to speak with a manager that there isnt an issue. I told him that they have my social tied to a different individual and he just continued to yell that he has updated my status to refusal to pay and I stated again that I didnt say I was refusing to pay but that they have incorrect information against me. I never received anything in the mail, they didnt even have my address but asked for it.
In XX/XX/XXXX I went to XXXX XXXX Hospital ER for a XXXX, XXXX, used my health insurance card. I was looking at my credit score XX/XX/XXXX and come to find out I have a collection agency trying to bill me after 5 years! CMRE Financial Services Inc. I never received a bill and now its messed up my credit.
I filed a complaint last month to which they said they responded. The response is a corrupt file. Once again LVNV and failed to provide any proof of dates, balance, how calculated or the debt is even mine. Furthermore, they are inaccurately reporting on my credit reports as current late payments. This is also false.
SYNCHRONY Bank automatically and without notice reduced the credit limit on the card from {$790.00} to {$380.00} which immediately reduced my credit score significantly immediately after I paid {$300.00} to reduced the balance on the card. Then a week ago SYNCHRONY Bank automatically closed the card advising me via phone conversation that the card was over the credit limit when the card was not over the credit limit/. SYNCHRONY Bank failed to credit a payment of {$100.00} made on the card two weeks prior to the closing of the card. There have been no delinquent or late payments payments due on the card. This is not the first problem I and other customers have had problems with SYNCHRONY Bank and it fraudulent banking practices. ( https : //www.complaintsboard.com/? search=Synchrony+Bank ). 

SYNCHRONY Bank had a habit of closing account for any alleged reason, continuing to bill the customer and in the meantime write off the balance on the card, sell the card to a debt collector and the debt collector attempts to continues to collect the amount owed on the card after SYNCHRONY Bank closed the card and collected funds. I am requesting a thorough investigation of SYNCHRONY Bank and its fraudulent banking practices which has caused harm to thousands of customers and losses to businesses whose finances/store/credit cards are managed by SYNCHRONY Bank.
I have been contacted on my cell phone from phone XXXX XXXX XXXX XXXX on Monday XXXX the XXXX and on Wednesday XXXX the XXXX, the person who called asked me to tell him my XXXX and my birthday. he wanted to know my home address. I told him excuse me whom I am speaking to and he claimed to be speaking regarding a medical bill to collect that for a physician office visit. That looked so odd to me since I did not receive any medical bills on my address nor phone calls regarding medical bills to be paid. I told him send me itemized bills and will try to arrange payments after that if those are correct. he tried to give me discounts up to XXXX $ on phone to collect money by any means!! .. He called me twice after that and I blocked his number. 
Yesterday I received a mailed letter from ( STALLINGS FINANCIAL GROUP INC. ) asking for {$740.00} to be paid to them in 10 days or else? and the language seems abusive and threatening. 
I contacted the hospital for confirmation of bills and to check for any pending balances. 
the online account of the company is not a real one and they do not have physical address they only hold a P.O. BOX NUMBER. 

thank you Yours XXXX XXXX.
I have an adjustable rate mortgage loan that has a very high rate of 9.45 % with very little going towards the principle. It also has a balloon payment of {$440000.00} due on XXXX XXXX, XXXX. In XXXX my loan amount was {$620000.00}. Today my loan amount is {$600000.00}. 
Over the last 10 years I have paid over {$500000.00} in payments with little reduction in the principle. I did not receive an amortization schedule and have not been able to get one from my mortgage servicer. I have complained many times to the mortgage company and my loan is either sold or the loan gets transferred to a new servicer. I have recently had a significant drop in income and could not make the payment. I have requested a loan modification under the HAMP program which was submitted in XXXX of XXXX. I am sure this would qualify as a predatory loan because of the high rate, non amortizing and excessive balloon payment. My monthly payment is {$5700.00}, of which {$4700.00} goes toward interest and only {$280.00} for principle. 
This is a loan that would not be made today. It only benefits the investors and makes it impossible for the borrower to repay.
Agency of credit control has placed this collection on my account without notice for the second time. I asked for verification and they have sent a letter that it was paid in full and account will be ceased but still did not put in a request to have account removed from credit bureau or verification. First time I filed a compliant the account was removed off credit report and 6 plus months later account was added back on my credit report.
This is a followup to case XXXX. Per this case, Financial Corporation of America had stated the debt was valid and that an itemized bill ( which was part of my original request ) would be sent to me. I never received the itemized bill. I had not pursued this issue, as I had not received any correspondence. Last week, I again received a collection notice without any of my original concerns being addressed. Today I received a bill from Financial Corporation of America 's customer 's service providers as well which also did not detail the billing.
Equifax did not protect my personal information and allowed hackers to obtain info to use improperly. 
The company failed to notify me for 41 days.
The CEO and other company officials cashed in stock during this 41 days before the stock went down. 
Major credit reporting should be broken up under our anti trust laws.
Accepted unemployment forbearance from lender JP Morgan Chase. I was told that credit reporting would be suspended during forbearance period of months of XXXX 2015 - XXXX 2015. Unfortunately, Chase reported my mortgage 30 days late for XXXX 2015 and 60 days late for XXXX 2015. I was under impression the unemployment forbearance gave a borrower a period of time of reduced payments to allow time to regain employment and pay the mortgage current? The mortgage was paid current at end of forbearance period in XXXX 2015. If knew in advance that the mortgage would be reported late during forbearance period, I would have not accepted the forbearance. There is bad faith on either JP Morgan Chase 's part or by the VA/government guidelines in explaining the unemployment forbearance? There should be a disclosure that states " negative credit reporting WILL result '' in accepting the forbearance.
On my credit report under 'regular inquiries ' via ( Trans union, XXXX and XXXX ) there is an inquiry showing the company XXXX XXXX with the date : X/XX/2017. This inquiry is fraudulent and I would like this inquiry removed from all credit reporting agencies.
I expect a script back from the bank covering themselves but since i am working with a lawmaker to pass laws to protect people like me i am still reporting this. i expect a script and cover your XXXX response. 
My son was born with XXXX in XX/XX/XXXX. I have struggled very much so due to this. We have medical bills of over a million dollars we are suing to have insurance pay for.Despite having a long term relationship with bank of america with NO RISks or any real problems i want to describe actions taken by XXXX in XXXX and XXXX XX/XX/XXXX In XXXX day because I could not believe all they would do is send me copies of credit card agreements when I indeed asked for real help like refunding my interest. I would get letters denying this and copies of credit card statements i neither asked for or needed but never help. Things really deteriorated when I made a remark that with the copies they send me of credit card agreements to verify interest is valid when i never disputed that i made a remark i could make a good fire with all the paper I sent that in writing. NExt thing i knew XXXX person XXXX XXXX called me and told me she was sending me a letter closing all accounts I had about XXXX accounts credit cards for many years. and a bank account. all closed. I know you will say as will the bank that it is legal. 
Know that laws have to be passed to protect families like mine and make banks meet a higher standard when taking these actions. Not say i am a risk when i have never been and was currrent on all. All i wanted was loyalty for loyalty i gave in the form of interest refunded.instead XXXX person made the decision with powers in the bank from the bank to close all my accounts. it is truly unbelievable. If there is any damage to my credit i will take action. Also know before they mde me leave bank my checks no longer funded. the way i was treated was worse than a customer who is actually deliquent. I know i will get a script back that is why i have contacted the media and legislature.
AAMS XXXX {$2400.00} I DONT OWE THIS COMPANY ANY MONEY, IM REQUESTING THIS ACCOUNT TO BE REMOVED FROM THE CREDIT REPORT.
I received a promotional solicitation on the  American Express appli cation offering me {$100.00} credit voucher if I made a {$600.00} or more reservation using t he American Express trav el application. I selected the offer & proceeded to make a a {$660.00} hotel reservation  on  XX/XX/XXXX  t hrough  AMEX travel through my American Express app. This is on my American Express bill for  XX/XX/XXXX . Having been more than 30 days I called to check on the status and was told that no such offer existed. After challe nging this I was told the offer existed but I did not enroll. After challenging this further I was transferred to multiple individuals including  XXXX ,  XXXX   XXXX  and  XXXX . Several claim to be supervisors although none ended up being. All of the individuals claim to be able to do nothing. Finally after  two hours and  repeated phone calls the last representative I spoke to a tend a reference ticket  XXXX . So far they have refused to acknowledge this bait and switch or the fraudulent activity on their part. Please help!
In XX/XX/XXXX I was effected financially by Hurricane Irma and asked Franklin American Mortgage if any assistance could be offered. They provided me 3 months of no payments with the intent do a Disaster Loan Modification to move the 3 payments and the interest to end of the loan. 

In late XX/XX/XXXX I started and applied for the Disaster Loan Modification process with Franklin and made a payment for XX/XX/XXXX for {$1800.00}. I was put on an forbearance period of 3 months with a new mortgage trial payment and APR. Originally I was told that XX/XX/XXXX - XX/XX/XXXX was  the trial period and then it changed to XX/XX/XXXX - XX/XX/XXXX. 

Two concerning events happened during XX/XX/XXXX ... first they had on file that I " Accepted '' the trial period terms when I had never have done that because they never contacted me with the new payment information. After learning this, I did accept the updated payment information. Secondly they did not inform me in XX/XX/XXXX when I started this process that my APR would change, had I known that I may have sought out other means to help myself out financially.

I made the first two trial payments for XX/XX/XXXX and XX/XX/XXXX of {$2000.00} each. In XX/XX/XXXX I learned ( they again did not tell me this ) that the lien was not in 1st position that there was a judgement lien against my property for another person with a similar name as mine. I worked with Franklin to get the information and went to my local court house to find out that there are no other liens against my property and the legal information Franklin has are simple court orders from previous years dating as far back as XX/XX/XXXX.

I sent them this information on XX/XX/XXXX and requested an Affidavit to help prove that the persons on the legal document are not in fact " me ''. It has been almost three weeks, I have talked to multiple representatives and 3 supervisors all who can not tell me any information about where the " lien not in first position '' issue is at, and if the information that I provided will correct the issue. I am in my last 30 days of the trial period and the modification  request is showing denied for this reason. If Franklin does not have this lien position resolved by then this could severely impact me financially and force me into a foreclosure because of a false red tape / paper work error. 

At this point due to the lack of communication, cooperation and unwillingness to get me answers to help resolve a simple issue, I feel like I am fraudulently being force to foreclose on my property.
Dear Sir or Madam, I monitor and take my credit reports very diligently. I was never informed in writing, or for that mattter, verbally, of an alleged original debt from XXXX XXXX XXXX, the supposedly alleged creditor. As a first note, this alleged debt is so old, it is nearly at the statute of limitations for debt reporting and or collection efforts. The alleged debt is as follows : Allegedly Opened in XX/XX/2012 No Account Number Provided ( At All ) Alleged Credit Limit {$500.00} Alleged Amount Due {$800.00} Not possible to owe that much more than a credit limit NEVER notified of this alleged debt 30 Day legal contestable period never adhiered to No Original/Post Written Record Provided Current Alleged Debt Buyer : MSW Capital ( Never Inforened in writing from them regarding anything ) Attempted to dispute denied, based on no verification ( XXXX XXXX, MSW ) XXXX XXXX contacted at : XXXX MSW contacted at : XXXX This is the only alleged negative remark on my credit report Perfect payment history on all accounts Alleged debt never notified of or verified I request your help in having this alleged and bogus item from my credit report in a timely manner. I respectfully and greatly appreciate your help in this matter.
XXXX XXXX XXXX ADDED TO MY CREDIT REPORT THAT I OWED THEM AN AMOUNT OF WHAT I THINK IS A HOSPITAL VISIT. I DESPUETED THISON MY XXXX REPORT. AND THEY KEEP CALLING BUT I DONT ANWEAR. THEY CALL ME WHILE I WAS WORKING AND ANWEAR THE GUY WAS PREATTY MUCH TRYING FOR ME TO VERYFIED AND I ASKED HIM WHERE HE WAS CALLING FROM AND AT FIRST IT SEEM LIKE HE WAS REFUSING TO VERYFIED HE KEEP SAYING IT WAS AN IMPORTANT MATTER. THEY I TOLD HIM YEAH YOU GUY ADDED SOMETHING TO MY CREDIT AND HE SAID YES. AND HUG UP. I CALLED BACK AND THEY TRASNFER ME BACK TO HIM AND I ASK HIM WHY HE HUNG UP HE SAID YEAH WAIT I ASK HIM WHY WAS HE CHARCHING ME FOR SOMETHING THAT DID NOT HAVE MY NAME. HE SAID HE WOULD LETE ME TALK TO SUPERVISOR. HE PREATTY MUCH DID NOT KNOW WHAT TO SAY. SUPERVISOR CAME ON THE PHONE AND HE WAS RUDE SO I WAS RUDE BACK I ASK IF HE HAD PROOF HE SAID HE HAD SEND IT BACK IN XX/XX/2017. AGAIN THIS DEBT JUST SHOW UP ON MY CREDIT ABOUT 3 DAY FORM THE DAY OF THIS COMPLAIN. HE KEEP SAYING THAT I DID OWED THAT MONEY AND I KEEP TELLING HIM THAST HE HAD NO PROOF WE STARED SCREEMEING BACK AND FOWARD AND I DECIDED TO HUNG UP. IT WAS POINTLESS. 

BOTTOM LINE I DO NOT OWD THIS DEBT I NEVER BEEN TO THE HOSPITAL.
Sunrise Credit Services Inc. states I owe XXXX {$110.00}. I have never had XXXX and do not owe this debt. I had XXXX Internet and XXXX through XXXX which I paid on time and do not any money to. I called XXXX at least ten different times to question what they are erroneously charging me and I kept on being transferred to XXXX stating claiming that I owe XXXX for XXXX. In fact, I had credit with XXXX and do not owe {$110.00} to XXXX or XXXX at all. None of my attempts with XXXX were ever resolved and ended in calls being disconnected, being on hold for over an hour and being transferred numerous times without the charges being dropped as promised by an XXXX representative. I was told the charges would be dropped and to call back the following week to see that the charges were cleared and it ended up in going to a debt collector. Please Help since Sunrise Credit Services nor XXXX is willing to resolve the issue which is affecting my credit. Thank you.
I am very unhappy right now as my personal information was tamper with. I do n't understand as a company with this magnitude could allow something like this to happen. You put your trust in a company that is suppose to be secure and make sure all your information is kept private and it has been comprise. I want to know how you guys will fix this matter. I am really angry right now as to know that some where out there someone have my information and can using it. I have already been a victim of identify fraud. Why did it take you guys six weeks to notify myself and other consumers of this security breach, this is wrong. You guys know this is not acceptable coming from this company. This is wrong! wrong! wrong! Shame! Shame Shame! I see that your executives was able to sell their share to protect their money shame you guys. I will pray hard for you guys and contact my lawyer.
XXXX XXXX XXXX XXXX is not mine. It needs to be removed from my Equifax Credit Report.
I completed graduated school in XX/XX/XXXX. I recently received a contact from a debt collector stating she was calling on behalf of PNC loan bank regarding an account I defaulted on in XX/XX/XXXX. I informed her that I had spoken with the company in XXXX and informed them I had been enrolled in graduate school and actively taking classes until at least XXXX. She reported that was not the records she had been given. I inquired that if she had been notified that I defaulted in XXXX why was it just being sent for collections. She reported she did not know. I also asked for the account to be reviewed and contacted the creditor but they refused to give me any information about the account and directed me to the debt collector. I have recently requested information regarding my account from the debt collector, but I have not received any correspondence from her in weeks. I am mostly concerned because when I contacted the creditor they reported they had no contact information from me, but the debt collector claimed she called me the first day she received the debt and she had my personal cell number and address, however I never received any information from PNC about my account being at risk or sent into collections and when I consolidated my student loans in XX/XX/XXXX, they did not agree to allow the account to be consolidated with my federal loans, but I never received anything from them after that either.
Received a notification from my credit monitoring service that this debt was placed on my credit report. Upon further investigation with them on the phone, I was advised that they were from XXXX. This issue has been a continued dispute with them spanning both XXXX and New York State Attorney General. XXXX engaged in deceiving practices and ripped us off concerning this account. XXXX refuses to discuss the issue with me concerning this and their representatives have done nothing but yelling. 

The collection agency has refused to engage me instead has resorted to just placing this on my credit file. This matter is in dispute with several consumer protection and government agencies. This company has never once given me the chance to inform them and dispute this debt and they have never reached out to me. They have violated the Fair Debt Collection Practices Act. 

In addition the company claims they were paid for the debt when I paid the creditor directly once they agreed to take care of the situation. As you can see they refuse to report a status on my credit report and instead state " NO STATUS '' and they claim it is for someone else in another state. 

I have enclosed 2 items, one is the printout from XXXX showing it on my credit report and the other is a letter they emailed to me about the payment.
Hi I am needing help with my background check this is becoming a huge problem I am trying to apply for Uber as a driver and my background check comes back clear I am requesting a new background to help this matter for applying for Uber as a driver
I entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that perticular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, Im guess because its mulitple accounts. i called to inform them of this. XXXX have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harrassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you
the IRS and Minnesota revenue released me from tax liens debts and it was my ex husbands business in which I just signed the tax returns at the end of the year. My name was never on his business. 
I would like the credit bureau to completely removed the tax liens from my credit report since the debt was never mine and the IRS and Minnesota Revenue released me from these debts.
I received a letter on XX/XX/2016 from Citi stating that I had been enrolled in their Credit Protection program. The fee for this " service '' was {$.00} per {$100.00} charged even if the balance was paid in full each month. I contacted Macys for which Citi was acting. They could not understand how any of this had happened because the card had been cancelled years before. When I contacted Citi they could not explain how it happened. I strongly suspect something along the lines of the XXXX scam. When I googled Citi I saw that they were forced to return XXXX to consumers over a year ago for the same practice I was subjected to.
I had told my Internet provider XXXX XXXX that I wanted my account closed months before my account was actually closed. I had gotten another provider, but they kept charging me even though I was n't using their services. I now have a collection from XXXX XXXX on my credit account that I want removed by XXXX XXXX.