WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. On XX/XX/2017 I received a collection notice for XXXX work completed and paid years ago. 

At the time of XXXX procedure, XXXX XXXX XXXX asked that I take out a credit card in order to pay for all of their fees. 

I did that. I took the credit card and paid the credit card off. 

Now, years later, I am getting a letter telling me that I owe {$250.00} for XXXX work. The collection agency is Transworld Systems Inc. in XXXX XXXX PA sent me the letter. 

I immediately wrote them back telling that this was a FRAUDULENT charge. I am XXXX years old!!! They must think that I do n't have my affairs in order. The truth of the matter is that I have an money manager for a wife. She has all financial transactions in her accounting ledgers. We can go back 20 years and know exactly what we paid and when those checks were cashed. 

in any case, I do need your help in sorting this out with me. They may just ignore me and continue to accrue late fees. 

I want to make sure that my perfect credit score is NOT harmed with this collection. thank you XXXX XXXX ( XXXX ) XXXX XXXX
They repeatedly call me and my husband even after they've been repeatedly told to stop calling me. I've also informed them that they aren't legally allowed to collect the debt that they are trying to collect, since it is beyond the statute of limitation for being allowed to collect on the debt. I've also told them that I'm not working and don't have any money to pay them. I want them to stop contacting us, like we have repeatedly asked them to do. They call several times a day, and I've repeatedly told them to stop calling us.
Equifax and XXXX  a is reporting XXXX XXXX and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.
Transunion : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.
5 year + old charge off account. 
Discover bank keep going up on total amount. I was told the account will be XXXX soon. 

Balance should be $ 800-1000 max.
experian refused to answer my questions for method of verification and took over 30 days with my dispute.
PENNYMAC TRIES TO KEEP AND PROFIT OF MY INSURANCE CLAIM CHECK WHILES I HAVE NO HOME TO LIVE IN I HAD WATER DAMAGE IN MY HOME AND FILED A CLAIM WITH MY INSURANCE COMPANY. TYPICALLY, INSURANCE COMPANY WILL WRITE A CHECK TO YOU AND THE MORTGAGE COMPANY. 
ORIGINALLY, MY MORTGAGE COMPANY WAS XXXXXXXX XXXX XXXX AND I HAD NO ISSUES. THEN MY LOAN GOT TRANSFERRED TO PENNYMAC. THIS IS WHERE MY HEADACHE STATRTED. 
PENNYMAC IS JUST REFUSING TO RELEASE MY INSURANCE CLAIM CHECK. ITS STORY AFTER STORY. THE CHECK WAS RECEIVED BY PENNYMAC ON XX/XX/XXXX & I WAS TOLD IT TAKES 6 DAYS TO PROCESS AND SEND US OUR CHECK. I EVEN SENT A POST PAID ENVELOPE FOR EXPEDITED DELIVERY. EVERYDAY I CALL, ITS ANOTHER 6 DAYS. THE CHECK WAS SENT TO THEM XX/XX/XXXX, ALL REQUIREMENTS HAVE BEEN SENT TO THEM BUT THEY ARE REFUSING TO PAY THE MONEY.CONTRACTORS ARE WORKING IN MY HOME AND NEED TO BE PAID. I HAVE BEEN OUT OF MY HOME FOR 6 MONTHS NOW AND NEED TO GET BACK HOME I JUST WANT MY MONEY ASAP. THE MONEY IS NOT THEIR MONEY, ITS TO BE USED TO PAY CONTRACTORS WHO HAVE WORKED TIRELESSLY IN THE HOME. THE WORK HAS BEEN DONE, THEY HAVE SENT SOMEONE TO INSPECT BUT THEY STILL WANT TO KEEP THE INSURANCE MONEY. 
ALL I NEED TO THE CHECK ASAP AND I WILL FIND ANOTHER COMPANY TO FINANCE MY HOME. I WANT THE CEO TO CALL ME AND EXPLAIN THIS BECAUSE THIS IS NOT FAIR TO HOMEOWNERS IF THIS IS HOW THEY BEHAVE
I FELL BEHIND ON MY MORTGAGE PAYMENTS IN XXXX BECAUSE OF CIRCUMSTANCES NEEDED TO CARE FOR MY GRANDCHILDREN WHOM I HAVE CUSTODY OF.I HAD TO GO FROM WORKING FULL-TIME TO PART TIME WHICH I THOUGHT WOULD BE FOR A FEW MONTHS, BUT IT ENDED UP BEING LONGER. I REACHED OUT TO MY MORTGAGE COMPANY TO SEE IF I COULD GET A EXTENSION OR TO SEE ABOUT AN MODIFICATION.I WAS ASSIGNED AN CASE MANAGER XXXX XXXX AND THIS WAS BY VIA MAIL. THEY SENT ME DOCUMENTATION AFTER DOCUMENTATION OUTLINED WITH WHAT THEY NEEDED TO START THE PROCESS.WHICH WAS IN XXXX.AT THE TIME I WAS ONLY BEHIND 2 PAYMENTS.EACH WEEK I HAD TO SEND MY INFO VIA EMAIL, FAX OR BY MAIL. WHICH I CHOSE FAXING SINCE IT IS INSTANTANEOUSLY. WHICH WAS THE FINANCIAL BORROWERS STATEMENT WORKSHEET, MONTHLY EXPENDITURES WORKSHEET, XXXX, REQUEST FOR TRANSCRIPTS OF TAX RET. HARDSHIP LETTER, XXXX FORM, BANK STATEMENTS, PAYSTUBS. I FILLED OUT ALL OF THEM. I SENT THEM ALL BACK VIA FAX, BUT NEVER HEARD FROM THEM. EACH WEEK I CALLED MY CASE MANAGER WHO WAS NEVER IN.LEFT SEVERAL MESSAGES, AND NEVER HEARS FROM HIM.I STARTED TALKING TO JUST RANDOM CASE MANAGERS TO TRY TO SEE IF THEY KNEW THE STATUS AND EACH TIME THEY STATED THAT MY DOCUMENTS WERE HARD TO READ, OR WAS TOO LIGHT, TOO DARK, OR SLANTED, BUT INSTEAD OF CALLING ME BY PHONE IN A TIMELY MANNER TO RESOLVE THE ISSUES WITH MY MODIFICATION APP, THEY WOULD SEND IT VIA MAIL.I JUST BELIEVE THEY TRY TO PROLONG IT SO I COULD LOSE MY HOME. ALSO ON THE DAY I CALLED BACK TO SEE IF THEY RECEIVED MY INFORMATION BECAUSE I DID N'T HEAR FROM THEM, THAT WAS AFTER XXXX ON XX/XX/2016.THEY SAID I NEEDED TO SEND IN ANOTHER BORROWERS FINANCIAL STATEMENT, WHICH I SENT IN XXXX AT THE VERY BEGINNING OF THE PROCESS, WHY WOULD YOU ASK ME TO RESEND IT AGAIN IF YOU ALREADY KNEW YOU COULD N'T READ IT IN XXXX. THEN I FELT LIKE THEY WERE UP TO SOMETHING, SO I RESENT IT THRU FAX ON THE SAME DAY I CALLED THEM THE FOLLOWING WEEK AND THEY SAID THEY RECEIVED IT, AND TO ALSO LET THEM KNOW I HAD DIFFERENT CIRCUMSTANCES THAT WOULD HELP ME FINANCIALLY TO MAINTAIN MY HOME. THEY DID MENTION THAT IT WAS ALL COMPLETED AND BEING REVIEWED.SO I JUST WAITED, THEN I CALLED BACK THE FOLLOWING WEEK BECAUSE AGAIN THERE WAS NO CORRESPONDENCE BETWEEN THE CASE MANAGER AND I.HE WAS NEVER IN HIS OFFICE, ALWAYS ON VACATION. AGAIN I SPOKE TO ANOTHER CASE MANGER WHO INFORMED ME IT WAS DENIED AND THEY WERE SENDING THE INFO IN THE MAIL, WITH SHORT SALE INFO, OR DEED IN LIEU. I JUST FEEL LIKE THERE WAS NO HELP FROM THEM TO EVEN TRY TO HELP ME THROUGHOUT THE ENTIRE PROCESS.
I paid XXXX XXXX phone number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX in XXXX FLORIDA {$450.00} to pay a XXXX bill to be removed from my credit then i received a letter from another company named Diversified Consultants saying that the bill had been reopened an i still owe {$450.00} when i paid the bill on my credit report the bill was removed an said paid.
In XX/XX/XXXX I sent an invoice from our company to a client. In early XX/XX/XXXX one of our vice presidents e-mail account was hacked and unbeknownst to him was used to send collection letters and a request to be paid with an ACH transfer. The hacker, using the e-mail account, completed an ACH request form and asked our client to send payment for the invoice which was in excess of {$30000.00} to a JPMorgan Chase account. Our company does not have an account with JPMorgan so this was clearly an attempted fraud. The form gives the JPMorgan account number, routing number, name on the account and the same of the authorized signer on the account which was a version of the name of our XXXX XXXX. Our company name and contact information was also on the form. Our client happens to have a policy to call when ACH information changes so the attempted fraud was stopped this time. 

I called JP Morgan Chase to report this attempted fraud in hopes that they investigate the account so that they can find out if the owner is really the person on the account. If they can find the owner, we would like to take action for this attempted fraud so that it does n't happen to someone else. JP Morgan would not discuss this with us because we are not a customer. Hopefully, there is some kind of way to encourage companies to participate in fraud prevention using information provided from anyone that has it. It was so disturbing that they would n't even look at the problem that I believe that if you are trying to use a bank to commit fraud, JPMorgan Chase is the bank for you.
1. Car got repossessed in private property. Withing XXXX days of repossession, I was supposed to received a certified letter, with a reinstatement and option to buy back the vehicle, this was never received. 

2. At least 10 days prior to sale, I am to receive a notice of sale. Never received this notice. Making the company to break the law once again. 

3. Never got notice of deficiency post sale. 

4. Amount being reported it's unverifiable.
XX/XX/XXXX : I became aware of the Equifax breach which happened between XXXX and XX/XX/XXXXand I entered the last four digits of my social security and my last name on the following website to check if I was a possible victim of identity theft : https : //www.equifaxsecurity2017.com/XXXX. After checking, I was given the following notice, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This is concerning to me and would like to be updated on what will happen next.
Experian is the only credit report that still shows XXXX on it was suppose to be deleted from all tree credit reports was deleted from XX/XX/XXXX and XXXX XX/XX/XXXX
I have an installment loan with XXXX XXXX XXXX in XXXX, Il. I am behind in my payments due to a job loss and starting a new job making less money. I am behind in several bills and have started a bankruptcy ( Chapter XXXX ) through an attorney. I was told to give the information to the finance or credit companies so they can deal with the attorney instead of calling me. I gave XXXX XXXX my attorney information on XX/XX/18 ( through online portal ) and again XX/XX/2018 on the phone. On XX/XX/18 they are still calling me regarding payment. Not only did XXXX call regarding payment she called my work asking for me and when I wasn't there she asked to speak to the payroll department. 

I called and spoke to her this morning, XX/XX/2018. I again gave her the information for the attorney and demanded that she stop calling me. I also asked XXXX what she wanted with the payroll department and she said she was just verifying employment which was a lie. She already knows I work here since she continues to call me at work even after telling them to stop. 

This is also the third time I have told them to quit calling me at work which hasn't worked in the past since they continue to do so.
helloi went to XXXX school in XXXX fl. I took out a sallie mae loan so i can afford it. I called them today to find out how i could pay down my principle, but they said that all extra money goes to future interest. Im struggling to afford the payments and i feel like a serf from the high middle ages. My complaint is that paying on principle is not an option, i feel like this should be illigal. After all they say they are committed to help me dream, invest and succeed. Or is that just for their shareholders. thank you
I am just amazed that 3 credit bureaus all at once managed to do the opposite of what I requested. I asked for an investigation of items on my reports, none were done. I requested no fraud alerts, fraud alerts were added without my permission ... Can someone tell me why after providing the enclosed required documents to identify myself, the credit bureaus claim not to receive it ...? Why no investigations have been started after more than 30 days. This is a blatant violation of FCRA regulation ...
Notice to Cease Communications Certified Mail TO : DISCOVER XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2018 RE : Acct. # s XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is in response to the many phone calls I have been receiving from you concerning the above mentioned accounts. 
1. I am requesting DISCOVER to cease further communication with me by PHONE concerning this account. 
2. I am requesting DISCOVER to close this account Please DO NOT communicate further with me via phone with respect to these accounst. 
You are harassing me calling numerous times and leaving messages as I have a seriously ill individual who I care for and these numerous calls stress her. 
Pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act,, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or any other phone. 
I am keeping a record of each call. I am requesting that you communicate with me only in writing. I simply wish you to cease all communication via phone calls. I do not admit or deny liability on the debt. I just want you to stop calling me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
I sent letter LVNV requesting that they validate not verify debt they are attempting to collect. I specifically asked for signed aggrement and other suppportimg documentation. They provide me with billing statements which does not prove I am obligated to pay them anything. They have report delinquent information to credit bureaus asking to be deleted.
- This company is reporting my account as 30 days past due for the month of   XXXX   but I have made my payments on time.     - Last month it showed that   XXXX   was 30 days past due but once it updated, it showed that  XXXX , was in fact, not 30 days past due but is now showing  XXXX  was.     -Prior to that, it showed that  XXXX  was 30 days past due but once it updated, it showed that  XXXX , was in fact, not 20 days past due but stated that   XXXX   was.     This is very confusing and seems to be a system glitch that continues to carry forward into the current month. I anticipate that once my   XXXX   payment ( made  XXXX  ) reflects on my account, it will show  XXXX  as past due. For the record, I paid   XXXX   's payment on   X/X   which was the total remaining balance leaving me with a zero balance. This was paid in an effort to stop this from continuing.      Below  is my payment history since the beginning of the year. My normal monthly payment is due on the  XXXX  of every month.      XX/XX/2017      XXXX   XX/XX/2017       XXXX     XX/XX/2017    XXXX      XXXX    XXXX    XXXX    XXXX   XX/XX/2017    XXXX     XX/XX/2017    XXXX    XX/XX/2017   XXXX
I mailed a certified validation letter on XXXX XXXX, 2017. Letter was received by company, and I received no validation of debt. They still to the credit bureau, despite not validating the debt belongs to me.
It was XXXX, I was working a part time and borrow {$110.00} from Advance America, a payday loan predator company. At, the time, I lost my wallet and all of the contents, which contained my id, ssn, and other pertinent information. 

On XXXX XXXX, XXXX ; I get a call from them out of the blue, from a company that claims that are attempting to collect a debt from them. This company, is harassing me, and I want it to stop. Not, only, to they charge enormous interest to poor young and old they do not stop until they get paid. Please do something!
My account was closed with Chase Bank without them acknowledging me before hand. On XX/XX/2018 my direct deposit from work was deposited into My account that I later found out was closed. I called chase to see if I could just pick up a check for the remaining balance or have the funds transferred to my wifes account. I was told no and that a paper check would be mailed to me and it would take 7 to 10 business days. 10 days passed and still no check. I called chase again and they extended the mailing date but could not give me a reason as to why the check did not come. I called customer service several times and have gone into the branches in my city and I still didnt get any answers. I went into a branch and was told that I could open another account and have the funds transferred into the account and it will take 4 days. Today is the fourth day and I have still yet to receive my money. I called customer service and they said there was no paperwork or anything on file that showed I should be receiving MY money. Is has been almost a month without my money and Chase has been nothing but rude to me when I call to recitfy the situation. I will have no choice but to have my lawyer contact them at this point.
PayPal, XXXX, XXXX XX/XX/XXXX : I sold a handbag on XXXX for a total of {$410.00}. 
XX/XX/XXXX : PayPal received {$410.00} that Icouldnt actually access. I refunded the buyer {$31.00} because she didnt want to pay sales tax and then I refunded the remainder of the money and sell the bag to someone else. I had already paid for and printed the shipping label. I canceled the order on XXXX, refunded the buyer via PayPal ( as instructed ), and voided the shipping label. 

XX/XX/XXXX : I woke up to realize my XXXX XXXX checking account was overdrawn. They were VERY QUICK to take money FROM ME to cover the refund but they STILL HAVENT released the original payment amount to me! XXXX XXXX debited my account to cover the transaction ( meaning I dont have any funds to pay any of my bills ) but PayPal still shows everything as Pending! 

XX/XX/XXXX : XXXX XXXX charged me a {$35.00} overdraft fee for the transaction. So the took my money and charged me a fee within a day yet somehow the transaction is STILL NOT COMPLETE. Why am I the last one to receive access to payments TO ME!? 

XXXX XXXX has also recently started rejecting automatic online bill payments then charging a {$35.00} Return Item fee. I originally turned off overdraft services to avoid the {$35.00} Overdraft Fee but was told I was still being charged multiple overdraft fees because they still authorize transactions like car payments. So by the time I got used to that ( I.e. theyd already gotten a few fees from me ), they started REJECTING those same transactions that would have resulted in additional Overdraft fees AND charged a {$35.00} Return Item Fee! Dishonest and a manipulation of customer expectations!
I accessed my credit report from Experian in XXXX of 2018. I noticed there were MANY instances of my name that I have never used, but were listed on my credit report. I wanted to open a dispute regarding this incorrect information, but was prevented from doing so in an expedited manner, as Experian does not allow online disputes for this type of information, despite the fact they are solely responsible for the incorrect reporting. 

I am currently attempting to purchase a car. Credit scores have direct financial impact on the APR I will pay for a new car loan. Having MANY versions of my name that are incorrect likely have an impact on my credit report. Despite these circumstances, Experian says the ONLY methods by which I can dispute their incorrect information is via XXXX Mail or telephone. I am XXXX and do not use voice telephones. Despite this, Experian refuses to make any other method available to dispute this incorrect information. 

Experian is also reporting MANY unauthorized credit checks on my account ( one company making 5 inquiries in the space of a couple of months ) for which they refuse any type of dispute process. 

In addition, Experian claims to not have an XXXX coordinator for XXXX individuals, and further refuses to provide information for anyone on their legal team, making it impossible to escalate this issue. 

Providing XXXX Mail as the only option for XXXX customers is discriminatory, as able customers can get their dispute investigated immediately, whereas for XXXX Mail disputes, there is an inherent slowness that causes delay, putting the XXXX customer at a significant disadvantage in attempting to make major purchases.
Experian continues to validate and obvious error on my credit file. XXXX companies are collecting on the same the debt at the same time. I have provided proof several times and I do n't know why they are n't fixing it or getting fined. They need to delete and fix this immediately. They are the only ones reporting these items and continuing to do so. They are in violation of the FCRA
I contacted equifax about several facts on my equifax credit profile. 

My date of birth was listed as XX/XX/XXXX my birthday is in fact XX/XX/XXXX I sent a copy of my drivers license. 

Also they had listed as addresses I've never lived at. I asked that they all be removed and they haven't been. 

I had many credit inquiries that I tried to tell them weren't mine, they refused to investigate them. I wrote them a letter and in the letter asked for a return letter. They never opened a dispute and my information is not updated. When I call in they refuse to make an investigation. I was also a victim of their information breach. They refuse to abide by the law and I had no choice but to take this action I have dozens of hours invested in this endeavor. And I just am at my wits end, they are damaging my credit profile by refusing to do what's necccesary, they rush me off the phone after I wait for hours to speak to representatives. 


XXXX XXXX.
They are trying to collect a debt that was already paid by insurance ... .will not give me original creditors new contact info so I can provide proof.
XX/XX/2018I am calling in reference to a resolution payment for a credit card of XXXX XXXX the debt was for {$4000.00} and change. I made an offer of {$2000.00} and they did not want accept my offer. I tried several times to fix the problem spoke with two different collectors and a supervisor at the end I had to pay {$3600.00}. I had the offer of {$2600.00} before but to bad advice from my friend I lost the offer and due to that I was penalized.the company is Federated Law Group,XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX
I work for a company in XXXX IA, When I filed for my payday loan I did not give my current place of business number. My boss and another co worker have been called and the business calling them left messages on their voice mail. The messages left do not state that they want to talk to the people they are calling but to me. My number is also in the company directory and they could call me directly. Further more, I have spoken with them and told them I would call them when I get the chance and they continue to call my place of business.
I attempted to view my free annual credit report yesterday XXXX XXXX, 2016 and was able to obtain XXXX and XXXX, however TransUnion redirected me to a page that gave a " four zero four - page not found '' error, and my browser indicated there might be fraud alert. I tried this twice and got the same result. 

I submitted a contact form via the Annual Credit Report website, however there is no way to confirm resolution. I would like a copy of my free annual credit report from TransUnion as well as confirmation that there is no fraudulent activity on my report. 

Thank you!
On XX/XX/XXXX I contacted OAC in XXXX Wisconsin for a debt placed on my XXXX report for {$59.00}. The debt was placed on XX/XX/2016. The collector told me that the payment will be reported to XXXX  and the debt will be removed within XXXX business days. Today, XX/XX/XXXX at XXXX pm, I called OAC to ask them if the removal request was sent. XXXX at OAC told me that it can take up to 120 days. I felt duped and felt like they lie to me. They have no intention to remove it. At least I would like the company to update my report that the debt has at least been paid.