WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday, XX/XX/2018, I received a letter from XXXX XXXX XXXX stating that I owe {$860.00}. The letter is dated XX/XX/2018. I called the number to find out who I needed to talk to because I dont acknowledge this debt. They couldnt give me much information other than XXXX XXXX XXXX XXXX XXXX. I called them, but they have no record of me having an account with them ( old or current ). I also called XXXX XXXX  who is listed as the original creditor who also said the same thing. 

The person I spoke to said this account would be reported to the credit agencies and it would show up on my credit report even though I told him I needed time to figure out what had happened and who to contact to clear this up. He said he was not a financial advisor and could not tell me what to do or how to clear this up and that he would request a debt verification. 

I was a little surprised that he didnt ask me to state the last 4 digits of my social security. He just listed them and asked if those were it.
My credit score was increasing normally until XX/XX/XXXX with no hard inquiries made to it. When I verified it on XX/XX/XXXX, my scored hay decreased by XXXX with no statement or explanation reflecting the root cause of the reduction.
l work hard to keep a good credit history, but for the last few months l can not get the Trans union credit report and the credit card XXXX XXXX XXXX  to up date my monthly payments, now it has been effecting my credit score this is not fare, l have contacted both and slow is the only progress they both say it is the Trans union say XXXX updates certain time, the XXXX say they updated my information on time yet l am losing points and updates are not being in time cause when my credit is updated even after l had make payments it has not show up correct amount, there for it said is why my score is going down, l am at the point l am ready to take legal action
Greetings, Our loan is serviced thru OCWEN. We requested an escrow analysis several months ago, in the XXXX 2015 timeframe. We have called several times since then and they indicated that since we are in a chapter XXXX plan, it may take longer to process. We noticed about XXXX weeks ago online that our house payment had increased by about {$340.00} per month. The escrow amount was about XXXX but the principle and interest had remained the same. When we called recently, they indicated that they are investigating and they recommended that we make the old payment for XXXX 2015, which we did today, XXXX/XXXX/15. We have been current on our mortgage since XXXX and now risk being delinquent, unless we make the increased payment for which we have no documentation as to why it increased. Our fear is that what little good credit we have established by paying them on time will now be impacted. This company seems to routinely " operate in the dark '' from our experience and we are glad that you are here to help us. Thank you.
I own a business and had an account with Comerica Bank for about a year. in XX/XX/XXXX I recived a certified letter from " XXXX XXXX XXXX '' from Comerica that on XX/XX/XXXX that my account will be closed and if I dont go in the bank and close it, he will. He did not provide any information as to why, and when I called them they said its their decision and they have decided to terminate our relationship. I own an ATM company, and on a monthly basis we write about 250 checks to pay our vendors. They issued this letter to us right after we had mailed out our vendor checks. We did our best calling our vendors to tell them to cash their checks as soon as they can to avoid checks being returned. On XX/XX/XXXX, I went into my local branch " Comerica Bank XXXX XXXX XXXX XXXX, Ca XXXX and spoke with the manager XXXX XXXX and closed my account. I made sure the account was at a XXXX balance. Couple of months later I get a letter from XXXX about being reported to them for unpaid fees. I called XXXX  and I was told that Comerica reported my business to them for some fees that had posted to my account after when it was closed. The total of the fees was {$520.00}. I researched this and found out that Comerica had tacked on overdraft fees from the time after when I closed my account per their request. I called Comerica to dispute this but they did not want to cooperate with me. By being reported to XXXX I can not open any new accounts with any other banks. I have tried and they say my business names needs to be removed before a new account can be opened. On XX/XX/XXXX I then called XXXX and just paid the {$520.00}. Although I do not believe I should pay for it, I still did just to be done with this. So the issue now is that although I paid in full the fees XXXX is telling me they can not remove my business their systme, and the removal request has to come from Comerica. So I then called Comerica and told them I need to be removed from XXXX  as I paid them their {$520.00}. After being transferred to many different people and departments, I got a hold of someone in " Corporate Quality Process Department '' XXXX and I was told that yes our account shows paid in full, however they will not remove me from XXXX. I am writing because I need help from being a victim of bad practice by Comerica Bank. Not only I paid the {$520.00} for which I dont believe I should have, now my business is reported to XXXX which is a negative mark and not allowing us to work with any other banks. My company has been in business since XX/XX/XXXX and we have never had any issues. I need help in getting my business removed from XXXX, and also I would like a refund for my {$520.00}. My business name is " XXXX XXXX XXXX '' and my XXXX is " ATMs Unlimited '' Address is XXXX XXXX XXXX XXXX, Ca XXXX. I am the owner of the business and my name is XXXX XXXX and my phone number is XXXX
I have filed disputes online and mailed request to remove inquiries : Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX , XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX CARD Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX , XXXX. 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX committed fraud and while my payments where XXXX $ dollars after years of payments with fixed rate they increased payments by XXXX $! plus. Then they sold my loan to Select Portforlio Servicing XXXX XXXX XXXX XXXX XXXX. There fax number is XXXX Fax. Select Portforlio Servicing is working along XXXX XXXX XXXX plus my original loan documents loan is not found or they wo n't produce it. Please call me as soon as possible XXXX.
My XXXX year old XXXX 's account is blocked by Citibank since XX/XX/2018. More than one week with no access to funds. We have been to the Citibank branch twice and complied with all requests. They can not explain why the account is blocked.
Late payments being reported by XXXX are not accurately reported. There are discrepancies varying from each of my credit reports to the next, they are not even reporting the same late months and years as the other. And there is no way that it 's possible to be late for a payment ( s ) on my account but not actually late that same month and year with the same account, as listed on alternating credit reports. The dates listed as late for 30, 90, or 120 days late are not correct. On XXXX credit report it 's only listed as XXXX times late while the other listed as XXXX times reported late etc.
I was referred to a XXXX XXXX by my doctor and they faxed over a referral with my medical insurance info on it and i got billed because they said that they could n't verify the medicaid part because i didnt give them a copy of the card i tried many times to get a card and to this day since ive tried the first time in XX/XX/XXXX i still have not gotten a card this doctor visit happened in XX/XX/XXXX ive disputed it its come of my credit report and immediately put back on the report it is ruining my credit
I contacted Bloomingdales credit about charges on my account that were not by me ( fraudulent ). They responded on XXXX/XXXX/2015 with a letter asking me to fill out a fraud claim form. I did and have been given the run around ever since. The matter has still not been resolved and I have called every 2-3weeks. They have said they are still investigating, they said my claim fell through the cracks and they are working on it now, they have said I will take another 1-2 billing cycles to resolve it. Every time I call, it 's the same story. 
I contacted XXXX and they had me fill out a police report for Identity Theft and they would help me. However, Bloomingdale 's is giving them the same run around as they give me. 
In the meantime, I have bill collectors calling me and sending me threatening letters. I call every time and explain the situation and they promise the calls will stop, but they do n't. Most importantly, my credit score has dropped from XXXX to XXXX!! I am at my wits end and do n't know what to do next. Please help- however you can.
Awhile back, on XX/XX/XXXX I locked my keys in my car and I contacted a locksmith. He overcharged me XXXX. I knew he overcharged me because later that day when I came home from work, I contacted other locksmiths and they only charge XXXX at the most. I contacted my bank, Chase, and I told I was completely unhappy with the service I received, and they first offered to give me credit. Well.. today I received a letter stating they are in favor of the locksmith.
I called the company for a balance on a current debt that I was paying off because they did not update the computer and my online account said that I still owed the full amount. Upon calling, the representative said I had another account. I told her I did not know about that account and she said it was probably because the bill was sent to an old address. Although, the company has my current address, I updated my address with them. After hanging up, I realized that the address they sent the bill has someone who will hurt me if she finds me living there. I called back and asked why they sent the bill to an old address when they have the current address on file. She told me that they did not send the bill and that is not what the first representative said and that all calls are recorded. I told her my lawyer will be subpoenaing that record. She said she was going to get a supervisor. The first girl got back on the phone and tried to tell me that is not what she said. I tried to tell her that she did say that. The so called supervisor got on the line and told me that they can not control when they get bill. I told him that was not the issue. The issue is that they sent to the wrong address when they have the correct one on file. Also, that they put my life in danger. He tried to argue. I told him that my lawyer will be subpoenaing the records. He said get your lawyer and hung up. I called CFPB and the representative told me a few things to protect me against scams. I called back later without giving the representative any information and asked for their license number. At first, she told me she did not know what I was talking about. She put on hold a couple times. Finally, she told the company did not have one.
I have tried for the last 4 years to get my XXXX credit report from XXXX  and it never works, while XXXX and Equifax work every time. I tried again several times after receiving my other 2, and once I enter my name and address info XXXX ( again ) fails with this message : A condition exists that prevents XXXX from being able to accept your request at this time. To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX I see this message in complaints all over the Internet. My information is not wrong - it works consistently with the other 2 bureaus. Equifax has had complaints online dating back to the beginning of the requirement for this site. I would like to know why they are able to avoid the law while the other 2 bureaus are playing fairly? I should not have to mail sensitive info to receive my report when this site was specifically set up to do this for me securely. I have even tried variations on abbreviations in my address, tried my old address without my new one ( lived here 1 yr ), tried just my new address, and with/without my middle initial. Someone needs to force them to be compliant ( XXXX ) and make them fix their code. Forcing people to mail them usually means people will either skip them ( saving XXXX time ), or actually go to XXXX or one of the scam sites and pay for what the government says is a mandated 1 per year free report. At best, people lose money for something that is free, at worst they get confused by all the scam credit reporting sites and get conned into paying a lot of money for their " free '' report. Please make them play nicely as they are required to do.
I am a XXXX veteran, senior citizen of a fixed income. My social security has been discontinued at XXXX point, and continues to be deposited late on numerous occasions despite my complaints to Social Security about this matter. I have XXXX separate months when I did not receive any income. US Bank is aware of this matter ; it continues to charge exorbeint overdraft fees, allows checks and automatic deductions to be submitted at least three times and each time the funds are not in the account they charge me insufficient funds fee and the over draft fee. I am never able to catch up because I always in the negative due to extremely expensive penalty fees and extended fees, etc. The bank refuses to allow to close the account or to freeze the account. This is so they continue to charge me the extreme fees which keeps me in the negative. I have explained my situation to them but the bank refuses to assist me in this matter in any way. I view these bank practices as predatory, and target senior citizens and XXXX persons. Is there anything that can be done to challenge these unfair practices by this bank. I am always so in debt for their fees I never have enough money to pay my bills and pay their continual fees. 
Available Balance Checking - XXXX - {$360.00}
We have been receiving repeated robocalls from XXXX XXXX XXXX, starting at XXXX XXXX daily. Sometimes we get calls two or three times in a day. I did an online search of the company and found that it is a debt collection agency that uses illegal tactics. Further, WE DO NOT HAVE ANY OUTSTANDING DEBTS, UNPAID TICKETS OR OWE ANY OTHER MONEY, so this horrible company is calling our number in error. Other victims have tried calling the company, only to be placed on permahold or face verbal abuse. This company needs to be stopped. We have had this phone number for years, so if the calls are targeting someone who used to have the number, then XXXX XXXX XXXX records are way out of date.
I filed a complaint on XXXX/XXXX/14 with the Florida State Attorney General 's Office about Hyundai Motor Finance calling me repeatedly at work, even though I had asked them not to in writing, because I am not allowed to get personal calls at work. They said they would stop doing so, so I let it go. Today, they called me at work again. They know they are not to call me at work.
I received two hospital bills in XXXX. The charges looked identical on each invoice. While I was in the process of understanding my bills I started paying the hospital. I was contacted by a collector saying that payment in the amount of {$470.00} must now be sent to them. It was XX/XX/XXXX ( our income was strained ). I contacted the hospital again on XX/XX/XXXX and spoke with a representative who told me that the problem was how the insurance company processed payment on the bill. They paid on the bill as an out-of-network instead of in-network. All of the doctors were in-network. I contacted the insurance company on the same day and spoke with a representative there and they gave me a confirmation code to give to the hospital. I contacted the hospital representative back with all the information provided by the insurance company including a new confirmation code. I was told by the hospital representative that the bill would be pulled from collection. I communicated all of this information in a letter to the collection agency. Now, 2 years has gone by without so much as a phone call, not even a letter until XX/XX/XXXX. This agency contacts me to tell me I have a debt in the amount of {$470.00}. My proof is in the names, dates, and confirmation code given to me for this bill. Can someone help me? I do not have a scanner but I 'm willing to make copies and send them if necessary.
Midland Credit Management is constantly calling my phone about a debt that I DO NOT OWE!!! I just want them to stop calling me. I once asked about the debt and they WOULD NOT tell me what the debt is or was.
I contacted Trans-union on XX/XX/2016 and advised that I was a victim of their inquiry issue and that I had never received notice from them, the customer service rep stated that I was not a victim of this and refused to remove the inquiries. I asked what method she was using to determine that I was not a victim and she refused to give me this information. Trans union is notorious for reporting incorrect information to consumers credit reports and will not remove the incorrect information even when it is brought to their attention that an error on their part was made.
XX/XX/XXXX-XX/XX/XXXXI went to college, a school that was sued and closed down by the Federal Trade Commission! The name of the school was named XXXX XXXX XXXX. After leaving the school, do to deceptive advertising practices, I enlisted in the XXXX XXXX in XXXX, to help me pay for my federal student loan, which was {$2600.00}! The military had in option to pay that off. They didn't do it. After joining, you are not allowed to have cellphones, Internet or anything like that. So that debt fell into collections, and was eventually lost, do to me moving from basic training, advance training, my duty station at XXXX XXXX Texas and finally XXXX. I saw that from time to time on my credit report. My point is that should be OFF my credit report because its way past the 7 year statute of limitations. 

As for the main two NEGATIVE marks on my credit report, are from XX/XX/XXXX one of which is {$3000.00} and the other is {$4000.00} ... .. These are WRONG! They are both listed as XXXX. I did NOT attend ANY school in XXXX! Nor did I take out any loans or credit cards that equal the amount listed there! These are both erroneous marks on my credit report. 

I enlisted the help of XXXX XXXX to help dispute these negative marks. I been tentatively selected for a federal job. And I don't want something that dose not even belong to me, ruin my chance at wonderful career. I have in til XX/XX/XXXX to make my case to the Point of contact at the government. 

Any proper debts I do have are well beyond the 7 year statute! In fact in XXXX I took out a auto loan for {$14000.00} and I paid that XXXX in XX/XX/XXXX!!!!
One of my largest loans is {$30000.00} that I took out in 2009 with a variable interest rate of 13.5 % this is without a consigner. This is the largest out of the {$87000.00} I owe without interest.. Now I must go back to school to try and get a job so I can try and pay off my debt before I die. I am unable to consolidate any of my private student loans because of the insanely high interest rate and my income is all tip based ( hard to guarantee how much I will make in the years to come ). I would love to get a job with the degree that I currently have but can not do so because minimum wage would not be able to support me and the over {$1000.00} monthly payments I will have to make to navient for he next 30 years. I just think it 's really funny how XXXX XXXX was able to sell off my debt to another company called Navient and I ca n't get them to lower my I interest rate to a single digit number like the government did with their loans. Navient or XXXX XXXX or whatever company holds my loans is the modern day loan shark. Right now I know I will never be able to buy a house or even get married. I thought going to college would help with my " American Dream '' but it has completely destroyed it.
On numerous dates in XX/XX/XXXX, I have contacted pennymac in reference to an increase in my escrow payments per month due to a mistake on their end. They originslly stated it was my taxes fault, but then changed their story and blamed it on my insurance company for not keeping up with my windstorm insurance. After speaking with my insurance company, they stated they had not changed anything in reference to my policies and any increase in pay was due to the mortgage company. After explaining to them what I found out, pennymac finally admitted on a recorded line that they XXXX XXXX  and forgot to collect for it so now doubled my escrow payment. If they made the mistake, why and I getting punished for it and having to pay payments out of my price range.
Threaten to keep making negative impact on my credit until I pay. I informed it wasnt my debt indenity was compromised.
XXXX XXXX - XXXX to cancel was received and signed for. 

XXXX XXXX - I got called by Wells Fargo about making payments, I told them about the XXXX XXXX interaction. 

XXXX XXXX - I got confirmation again that it was received and the loan was to be cancelled. 

XXXX XXXX - There was no movement, I contacted their call center which claimed they 'd get back to be me on Friday by end of business. I told them I 'd need to file a complaint if it was n't resolved this week since they were insisting I send them payments. 

XXXX XXXX - They did not get back to me. Called again, said someone would call me Monday. I told them I 'd need to file a complaint if it was n't resolved this week since they were insisting I send them payments. 

XXXX XXXX - No one called. Called back, told to call on Tuesday. I told them I 'd need to file a complaint if it was n't resolved on Tuesday since they were insisting I send them payments and it was ~40 days now. The Right to Cancel is 20. 

XXXX XXXX - Called back, told to call back the following Tuesday. I told them I 'd need to file a complaint if it was n't resolved today since they were insisting I send them payments.