WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, I received a collection notice from The Revenue Group on behalf of the Ohio Attorney General for an unpaid bill of {$200.00} from the Ohio XXXX University XXXX XXXX. The service date of the bill is XXXX/XXXX/XXXX. This is the first notification I am aware of receiving for this bill. I assumed it is in error, because I had numerous health issues at that time and had met my out of pocket total expenses for my insurance. I called Ohio XXXX University XXXX XXXX on XXXX XXXX, XXXX, and was told that notifications of the bill were sent in XXXX XXXX and XXXX XXXX. This was four years ago, so in all honesty I ca n't remember if I did or did not receive these notices, but I can say that we are not the kind of people that ignore our bills. Had we received two notices I am certain we would have either paid or disputed it at that time. After speaking to XXXX XXXX XXXX, I contacted my insurance company for verification of payment. I was told that records that far back are not readily available, and may not be available at all. I was advised to make a records request in writing, which I did on XXXX XXXX, XXXX. I have received no response from my insurance company. I also sent a letter to the Revenue Group on XXXX XXXX, XXXX, explaining that I do n't think I owe this debt, but that I will work on obtaining documentation to prove it. So, the problem is, I have received this collection notice out of the blue, four years after the service was rendered. I no longer have any documentation that can prove I do n't owe this, and my insurance company also does not have documentation that goes back that far. I can not prove that I do n't owe this. However, I have had multiple interactions with Ohio XXXX University XXXX XXXX since XXXX for healthcare, and not once has anyone mentioned this bill. In fact, on XXXX occasions I have received payments from Ohio XXXX for overpayment. Why would they send money back to me if I owed them? This is really distressing. If I do n't pay this bill, it 's going to go on my credit record. Plus, it is going through the Ohio Attorney General Office, and I am an employee of the State of Ohio ... .If I do n't pay it, I 'm afraid I may get in trouble at my job. Can Ohio XXXX XXXX XXXX and the collection companies do this? Just pop up with a bill four years after the fact and say pay it or else?
Back in my early  XXXX    XXXX   which I am now almost  XXXX , I moved to   XXXX   for a business opportunity. After three months I got promoted and had to move to   XXXX  . In conclusion it has been over 5 years and there is a credit reporting agency even though I paid it off, it still shows a dregotory item on my credit report just as bad as a bankruptcy. There are a few credit cards and all things that were not my fault from a roommate that signed a lease without me knowing and 2 years later I received a bill and paid for it. My credit report has been ruined for 5 years. I even have a mortgage in my name a car lease in my name. But the problem is I always have to have a co-signed and I always pay outrageous fees because my credit is always poor from 5 years ago. I paid all these debts off. Most of them I did n't know went into collections until I moved back to  XXXX . I need help.
In XXXX XXXX a statement was sent from Capital One that clearly stated I had several options to pay. I picked interest only. It was later determined they made a mistake ( but up to this time they have never admitted it ) They did not apply the amount I sent instead put me delinquent and have since, done nothing but harass me for their error. The loan is adjusted every year and I now pay an amount that will pay the loan off in the time required. I have proof positive that every payment has been paid and on time. By the way, I have never been late on my mortgage payment in my whole life of home ownership including with Capital One. They are now demanding funds that far exceed the amount I owe and have threatened foreclosure if I do n't pay by XXXX XXXX, XXXX.
Experian has fail to send me my report with results that I have been disputing containing wrong information since XX/XX/2017.
I have opened a complaint against Portfolio Recovery associates for not validating a debt after I requested. 
Today I logged on to look at my credit report and it shows that I have made payments to the same supposed XXXX XXXX  account. I have downloaded and printed 3 years worth of bank statements and do not show any payment history to XXXX nor Portfolio Recovery. The only reason that there would be false payments to the account is to illegally re age the account. These are two violations of Fair Debt Collection Practices Act on the same account.
At XXXX on XXXX/XXXX/2016 I received a phone call from a person named XXXX who claimed to be with Financial Corporation of America. He asked to speak with XXXX and I said this is he. I asked what this was in reference to and he said a personal business matter. I said if you are not gon na tell what this is in reference to I am not gon na talk to you and he would not so I hung up. Check the supporting documents to see that there is no Financial Corporation of America listed at this number or anywhere in the city of XXXX XXXX, Texas. As you will see this number is registered to XXXX XXXX XXXX.
THE COMPANY XXXX IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE. THE DEBT IS OCCURRING FROM MY FORMER APARTMENT COMPLEX THAT I WAS UNLAWFUL TOLD TO LEAVE. I WAS TOLD THAT IF I WOULD LEAVE THE APARTMENT IMMEDIATELY MY LEASE WOULD BE BROKEN THAT DAY AND ALL DEBTS WOULD BE CONSIDERED AS " PAID, '' I HAVE DISPUTED MULTIPLE TIMES WITH COLLECTION AGENCY TO NO PREVAIL. I NEED THIS ISSUE TO BE RESOLVED AND DEBT TO BE REMOVED BECAUSE IT IS NOT VALID FROM WHAT I WAS TOLD BY APARTMENT MANAGEMENT
I messaged Toyota XX/XX/XXXX advising them that I had a XXXX baby and due to unexpected financial expenses and out of pocket medical cost that arose due to this XXXX birth I was going to be late on my payment. The message follows : Hello, I will be submitting a XXXX XXXX dollar payment XX/XX/XXXX. I will be submitting an additional XXXX XX/XX/XXXX. This will cover XX/XX/XXXX payment and XXXX of XX/XX/XXXXpayment with the following XXXX to complete XX/XX/XXXXpayment to be paid XX/XX/XXXX. I have fallen behind because I had a XXXX baby born XX/XX/XXXX and had many out of pocket expenses that I needed to cover after the ordeal. '' I reached out to them again via the secured portal XX/XX/XXXX and they advised me to send all correspondences to XXXX XXXX, IA. There was nothing resolved in my request at this time either. I followed up with a certified letter XX/XX/XXXX, asking that these late fees be waived and again still nothing. I spoke with XXXX an agent at Toyota XX/XX/XXXX and she advised me to dispute with the credit bureaus. That was done and the bureaus directed me back to Toyota who provides the info. 

I am asking for the payments reflecting late XX/XX/XXXX and XX/XX/XXXX to be waived and updated. Thanks!
While trying to obtain a VA mortgage loan, I was unable to obtain the loan because of an error on my credit report. I filed for bankruptcy chapter XXXX and the banking financial was also included in the filing of lenders to file against in the bankruptcy. The bankruptcy chapter XXXX was filed in XX/XX/XXXX and was discharged XX/XX/XXXX. The credit report states, it 's was a judgment and not satisfied, but it was filed with the chapter XXXX.
I applied for a credit card with Wells Fargo and was approved. When trying to activate my card my cell phone was not compatible with Wells system. I do not have a land line. 

I went through an extensive underwriting process to get approved, they have all they information they needed in order to approved my credit worthiness. 

With no compatible phone number my account was sent to their Fraud Unit. I was then asked to go to a local branch with my drivers license. This I did. However, when I got to the branch, presented my ID and called the Fraud Unit they requested additional information such as my utility bill, etc. All of these bills are in my husbands name. 

This is discriminatory against me for being a married woman. What do I have to do go buy a new house under my name? 

I 'm infuriated with this process.
Three 3 Fraud Accounts Where Open With Citi Bank Checking And Saving Account Where Open At Citi Bank Without My Permission With Fake Accounts Signature with my Name Citi Banks Denied To Resolved this Risk and there are not Helping me with this problem. and they Claim That there was never any Fraud at Citi Bank with my Information Bank Persist that the Signature match someone else copy my Signature to open Fraud Accounts With Citi Bank Someone Stole My Identity and Signature and used it to Open This Account Fraudulent and My Social Security Number Was Stolen and also there was Fake Checks Deposit to those Accounts. My Ex Boy Friend Stole My Identity And Stole My Signature and Open This Accounts and Citi Bank is Not Helping and did not closed the account marked as Fraud??
iN SHORT, THE ISSUE INVOLVES THE MORTGAGE WITH OUR BANK, CHASE. WE WERE GIVEN A LOAN MODIFICATION A FEW YEARS BACK, AND HAD BEEN MAKING THE PAYMENTS UNTIL XXXX OF XXXX. AT THAT POINT, WE BEGAN THE PROCES OF ANOTHER MODIFICATION AT THE BEHEST OF CHASE ECAUSE OF A CLASS ACTION SETTLEMENT. ALSO, THE PAYMENT WAS SET TO GO UP IN XXXX OF THIS YEAR AND NOW HAS, AND WILL AGAIN IN XXXX ( I THINK ) OF XXXX. WE COMPLIED WITH EVERY SINGLE REQUEST THAT CHASE MADE AND WERE DENIED. WE THEN RETAINED A COMPANY/PARALEGAL TO ASSIST US IN THE PROCESS AND WERE TOLD IT WAS DENIED AGAIN. WE ARE CURRENTLY UNDER BANKRUPTCY PROTECTION BUT THE ARREARS IS PART OF OUR PAYMENT PLAN AND WE WERE ABLE TO MAKE THE XXXX XXXX PAYMENT. HOWEVER, THE HOME IS STILL TECHNICALLY IN FORECLOSURE. WE THINK CHASE IS GIVING US THE " RUN AROUND '', IN TERMS OF REQUESTING THE SAME INFO OVER AND OVER AND THEY ALREADY HAVE A FOREGONE CONCLUSION OF DENIAL. ALL WE WANT IS A PAYMENT WE CAN AFFORD. THE LOAN WAS ORIGINALLY OBTAIN IN XXXX AND WE BELIEVE THOSE CIRCUMSTANCES WERE SOMEWHAT SPURIOUS AS WELL.
I revived a letter from CCI to collect a debt. I do NOT have a contract with this company and I have never heard of them. I have also received phone calls from this company trying to collect a debt that is not mine. This is absurd!! This is not legal. This is illegal.
This is not my medical bill, this is my ex wife and which she is not even on my insurance. This needs to be removed off of my credit credit file and collections need to stop. How can I be responsible for someone else debt. Please help I have disputed this also.
XXXX XXXX XXXX purchased an account from XXXX XXXX and has Dynamic Recovery Solutions trying to collect on an account that is from XXXX that I paid to XXXX. XXXX XXXX XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact Dynamic Recovery Solutions who told me that the account was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.
We are still processing a short sale with Astoria. On XX/XX/XXXX, I emailed the last remaining requested documentation to XXXX XXXX. She responded to my email that she would review that document and advise me that afternoon whether the foreclosure sale date of XX/XX/XXXX has been postponed. She did not respond as promised. I called Astoria this morning, XX/XX/XXXX, to confirm the foreclosure sale date has been postponed. I spoke with XXXX. I asked her as to a status of postponing the sale date. She said she does n't see that XXXX XXXX notated the file requesting for a postponement from the investor. She said the processor in her absence is XXXX. I asked her to check with XXXX to see if they have postponed the sale date. XXXX stated that she does n't have the document and XXXX does and she will review it for postponement once she gets back from vacation on XX/XX/XXXX. I asked for a supervisor since it 's not appropriate to hold up the entire process for one person 's vacation. She transferred me to XXXX, the " Team Lead '' who says he does n't have the document I confirmed XXXX XXXX had yesterday. I asked him to check her email since she did n't upload it so the rest of the office could see it and XXXX does n't have access to her email to retrieve the document. Once again, XXXX XXXX has lied to me she did not review the document and she failed to update me as promised before she left for vacation. Astoria has continued to provide inferior customer service and I should n't have to spend 90 minutes on the phone with them to get someone to assist with an issue. Astoria continues to  make promises it does n't ever keep.
On or about XXXX I opened a Bank of America ( BOA ) Cash Rewards Visa Credit Card ( CC ) Having been a loyal bank member since XXXX. Subject BOA-CC grew periodically in available credit, maintaned a status of 'paid ', and 'never late '. Since opening the BOA-CC, rarely did the subject card not have a 'zero balace ' each month at statement close ; Further, this BOA-CC is 1-of-3 credit cards ( all in good standing ) issued by the same bank, reporting 'timely ' to Credit Bureau 's 3-business days after close of statements. On or about XXXX XXXX, XXXX, this BOA-CC, 'intentionally and fraudulently ' reported to U.S. Credit Bureau 's as 'status unknown ', while simultaneously erasing all data therein relating to this CC. When I, as Consumer, enter into BOA online banking this 'same linked CC ' shows a 'credit balance ' for refunded interest and an available balance of almost $ XXXX. This 'intentionally-fraudulent ' misdeed created a 'status of unknown ', dissolved a portion of my credit availability by almost $ XXXX, and date-opened data thereby affecting 'historical and percentage usage. Summarily, the sequence of events were 'diabolically ' put in motion to depress credit FICO Scoring. The BOA can merely look into my linked 'billpay ' checking account and review payment activity to other banks and credit cards 'Nationwide '.
A balance was carried over from XXXX XXXX to BarclaysJetBlue when XXXX XXXX ended the program with JetBlue. Below is the XX/XX/XXXX-XX/XX/XXXX payment history from the BarclaysJetBlue account. For two years, I have been consistently making early payments 2x the requested minimum without making purchases yet Barclays continues to charge interest on multi-cycle billing. I do not use the card, am trying to bring down the balance but the interest is the same month over month. I am asking for your intervention as is my right under the CARD Act of 2009, the Fair Credit Billing Act & Fair Credit Reporting Act. Recently, I sent a second payment in XX/XX/XXXX to be applied to XXXX billing and payment was not reflected. The Barclays billing and interest practice is creating a hardship and making it difficult for me to ever pay off this credit card account and negatively affecting my credit score.. 
XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$580.00} XX/XX/XXXX {$100.00}
In wake of the massive Equifax breach there needs to be an easy and free way in which a consumer can freeze ( and thaw ) their credit so that the perpetrators can not open new lines of credit in my name. 

While I will continue to aggressively monitor my familys credit, it is disappointing that there is not a way to easily do this at the three main crediting agencies.
For Equifax, XXXX and XXXX to actually profit from a security breach that they caused is beyond mind numbing.
Hi Customer, We the credit bureaus collect ALL of your personal and financial information in one convenient database. Unfortunately, all of that data was stolen, but for $ X a month we will monitor and protect you from fraud. 

No thank you. 

XXXX XXXX
On XXXX XXXX, 2016 I swiped my card to pump gas at Shell located at XXXX XXXX XXXX XXXX NC. When I went to make a purchase immediately after pumping gas, I discovered that Shell had placed a hold of duplicate transactions of XXXX dollars. In other words, they had held a total amount of XXXX dollars on my card when I had only pumped XXXX dollars of gas. I went back to the store to talk to the cashier and she was an XXXX Lady and she refused to hear what I was saying and said that she was not going to do anything. Later, I was able to call my back and cancel the XXXX transaction but I just noticed that Shell still has a hold placed on my card of XXXX dollars on my card account. This hold has been there since last Friday and I would like my funds released so I can use them for myself. I am not able to use these funds because Shell is holding it and I think it is very unfair to hold my money this long and for this amount for a {$25.00} gas purchase.
I originally started disputing some items on my credit report on XXXX/XXXX/15. I then received a reply from Experian dated XXXX/XXXX/15 stating that they think my dispute letter was " suspicious '' and that it was not sent by me. I even sent a copy of my driver 's license and utility bill in my initial letter. What else do I need to send? I have sent them multiple letters since then to dispute my accounts again and have yet to receive any result for my dispute.
I am 3/4 of a month behind and GM Financial is calling me about 4 times a day ... all different times. I have the info stored on my phone. They are calling me while I 'm at work and can not answer. They are blowing up my phone.
jc penny/synchory bank offers a discount on line to apply for credit card.. gives a bogus number cvc tells me with out physical card I cant get discount.. yet the card will take the purchase..now they have accessed my personal info giving me credit and refusing discount w/o a card?? XX/XX/2018 on phone over an hour. I have had issues with jc penny before cancelled there card.. obviously nobody has reported them enough for it to stop
This company have been calling my mother in law, leaving message on her voice mail saying there are papers I need to be served with for a debt I owe. 
They also called my brother in law letting him know if I do n't pay the debt my wages will be garnished. 
They contacted my ex husband and told him I owe a debt that needs to be taken care of, and there is legal action filed against me for which I need to be served ( this has been threat for the last year ) When I call the company back and asked to send me a bill and I would gladly pay whatever I owe I was told they do n't send bills and I need to provide my credit card or bank information over the phone, which I refused due to not knowing if this is valid debt or not. I also asked the company for their name and addressed and they refused to provide that information to me. My intention was to send them letter stating to cease any communication.
After speaking with multiple people, through multiple phone calls ( at least 12 with several calls lasting an hour ), and given multiple stories/excuses this issue has not been resolved and is preventing us from selling our house in XXXX, NY. The address given above for Key Bank is based on a letter sent to us stating the loan was paid in full on XXXX/XXXX/XXXX which is inaccurate and the letter was signed by no one, simply ending with " Sincerely '' - no signature. At one point we were told the issue would take 5 days and would be resolved on Monday, XXXX XXXX. When that did not happen, we were then told to fax a signature allowing them to release the information. Our lawyer drafted a letter requesting the Satisfaction of Mortgage be filed and I ( XXXX XXXX ) signed it and it was faxed to the fax number ( XXXX XXXX ) given to us. In calling to confirm the fax was received and this issue could now be resolved could talk to no one who knew anything about the fax but was told the matter would be resolved in 15 days from XXXX XXXX making it now XXXX XXXX to close this matter. On our lawyers advise, we requested a letter stating that fact and also a copy of the Satisfaction of Mortgage. After two, hour long calls on Friday, XXXX XXXX, we are now told by a person named XXXX that he is entitled to 48 - 72 hours to research this matter. NONE OF THE OPTIONS BELOW APPLY. OUR LOAN TAKEN OUT IN XXXX WAS PAID IN FULL BY XXXX BUT BANK DID NOT FILE SATISFACTION OF MORTGAGE RESULTING IN OUR INABILITY TO SELL THAT HOME.
I had an auto repossession on XXXX from Exeter Finance Corp due to my illness with XXXX XXXX. Exeter sold the account to XXXX XXXX XXXX. When I had my credit report pulled XXXX XXXX is reporting the date placed for collection as XXXX/XXXX/XXXX, which is not the original date the account was placed for collection. I disputed the date with XXXX, and XXXX did not update the " date placed for collection '' which was in XXXX. I need this updated as soon as possible.
I took out a loan of {$600.00} from big picture loans via telephone on XX/XX/XXXX. I agreed to the fee of {$170.00}, as I was told this was a one time payment for accepting the loan. After I received the loan deposited into my bank account, I started receiving emails saying that I had to pay {$170.00} every two weeks! I was NEVER told of the interest rate of 683.3776 % or having to pay over {$350.00} a month for the next 6 and a half months. I called them and tried to work this out but to no avail. They say they will debit the payment of {$170.00} every payday through the end of XX/XX/XXXX.
I had a 1995 bankruptcy process in case of chapter XXXX and recently asked for a car loan and I refused it because that chapter appears on my credit report and all debts. Trans Union call and tell me that is not in the report. but request in XXXX different places and all XXXX appeared they told me that Chapter XXXX
For the past three years I have pleaded with the top XXXX CRA to correct the record. Derogortory Information on my credit report is both FALSE and/or dated 15 to 20 years ago. I have not been able to obtain a credit card for over 15 years because of this. What 's worst, credit collection agencies are now filing judgements XX/XX/XXXX and XX/XX/XXXX for disputed items dating back 16 years. People who work as public and or government agencies are being targeted as easy targets. Many times it 's easier to simply give in to the false XXXX dollar judgement than fight and retain an attorney at a much higher cost. This happened numerous times. The new weapon by collection agencies in XXXX is the XXXX XXXX. They strong arm public employees and abuse their office. The CFPB needs to step in and sanction the reporting agencies and heavy fine the abusive collection agencies.
Got a call from XXXX at Transworld on behalf on XXXX XXXX. Trying to collect on a bill I paid upon receiving from XXXX XXXX. I never received a followup from XXXX XXXX about the bill being owed. I received a collection letter about a month ago about this, which I disregarded as I did not owe anything.