WillisBack/dataset-financial-user-claim huggingface dataset:
I asked for a bid from a company via email for transfer of a group of XXXX people, about XXXX miles from a city to the start of the trail. I received a bid via email for the transfer of {$590.00} each way. When I received the XXXX bill the charge was {$2000.00}. I disputed the bill with XXXX. When XXXX rejected my dispute I asked for a copy of the merchants reply to the dispute. The merchant had changed the price from {$590.00} to {$950.00} each way and added extra charges without ever informing that he had changed the prices and was going to add extra charges. There was no contract. When I tried to talk to him in person about a refund for return the trip which I canceled 7 days before we were to return to the city he told me he had a 30 day cancelation policy. At that point I did not know he had changed the fee and had added extra charges. ( I canceled the return trip ( ( XXXX phone calls, XXXX which went on to the company 's answer phone and XXXX to an employee of the company ) ) as the group 's air flights to the east coast were all canceled because the east coast airports were closed due to heavy snow and blizzards. ) I have tried to contact him to resolve the dispute via email, by registered signature required mail and by " sort box '' mail where I have a tracking number and time that the letter was placed in his PO box . He has refused to respond to me. 
I have disputed the fraud charges with XXXX 3 times. XXXX has supported the merchant and this fraudulent charges 3 times.
No!!! 
They didn't address none of my issues!!! 
I have police report for the fraudulent use of my personal information. This particular increase did not pertain to me that inquiry range of from XX/XX/2017 to XX/XX/2017. 

This is illegal for anyone to apply for credit using my information. I want proper verification for the use of my personal information. This company has sold my information to a company for profit against my consent ... 

Noting was done to resolve this.. I request probably removal of all increase in this range. Because my information was used illegally ... 

Police Report # XXXX XXXX Police We understand that they do not want to remove because they recieved money for selling my personal information. But I was not informed on the use of my identity. 


Recently received email saying complaint closed. They haven't provided any proof of verification they are just saying they had permission. But if you didn't get information from me personally then it is illegal to sell my information for profit with out my approval, permission, or request. Therefore this information is totally false! 

After speaking with creditors they haven't attempt to even gain the information need to even prove this claim. They just taking it upon themselves to say its verify with no contact to creditor nor any documentation to prove they had the right to sell my information!!! 


I will like to Opt out any promotional programs that they use to sell my information with out my content. Take me off this listing because I've never agreed to this use. 

I demand immediate removal of all inquiries and false accounts from my statement
I was offered a settlement from diversified consultants for a  XXXX   XXXX  bill. I paid the {$200.00} to settle the debt. They have not corrected my   XXXX   credit report. I have spoken to representatives of diversified consultants and  XXXX . My 1st dispute was submitted on  XXXX   XXXX   2017 with  supporting documentation. They did not correct the problem. I submitted a second dispute on  XX/XX/XXXX  and I received the results yesterday and the update has not been corrected. The report still shows a balance of {$87.00} due and instead of the account being closed it says placed for collection.
We have NYCB Mortgage Company and every year they magically do not have proof of insurance - we live in a condo association which renews on time. In addition, they require a separate policy for us and even though we have prepaid the policy, they continue to collect an escrow payment for the policy and now when signing into our account, there is no way to actually pay our new mortgage payment - a payment which has been paid on time since inception. STAY AWAY FROM NYCB XXXX
This is FORTH complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the 80/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits. The second complaint resulted in PNC contact calling me and asking for return call with best times to call. After three attempts and no return call at requested time ( which were during business hours ) the complaint was closed. the employee should be terminated. 

Response from the third complaint resulted in a call which I returned and then they once again did not return the call. Now I am receiving notices that they are using money from escrow to cover regular payments, however, the issue has been they say I owe more to cover escrow. My regular payments should not change. In addition per the attached, my homeowners is being paid on my own ... see page 6..ESCROW NO. In addition to me paying my own insurance, taxes dropped. If they would listen and calculate the escrow based on facts that insurance being paid on my own, taxes decreased due to homestead and prove of increased value, PMI should be removed and no escrow should exist. In addition, they state they had to pay for the appraisal, however, the fact is they charge the consumer and I was able to negotiate under the {$500.00} PNC charges.
A company XXXX was given my credit report by Experian. This was not authorized and has had a negative impact on my credit score. Please remove.
Blueshore Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX was notified on XXXX XXXX XXXX to cease and desist contacting family and third parties regarding this debt They have all current contact information on myself. Phone, address etc. XXXX XXXX XXXX XXXX they contacted my husbands ex wife, asking for my step son in regards to this debt ... .. I spoke with supervisor XXXX XXXX on the XXXX after they had harassed my sister at work! 

XXXX issue. This debt was paid off in XXXX of XXXX to the cash store XXXX. I do not owe this debt!
The finished my payments with XXXX XXXX XXXX  in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence. They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information
My original mortgage was with XXXX, I had a modification agreement with them XXXX then changed to XXXX XXXX I then had a modification agreement with them XXXX then transferred my loan to Green Tree. Somehow they did not have my modification and returned my payments. Green Tree stated I had to start the process all over while charging me more fees interest and costs. I do not receive ANY STATEMENTS I have no idea what my mortgage balance is, what fees or costs have been added. I have completed the modification papers atleast XXXX different times to date and they always have some excuse as to why its not processed. I have no idea what the current balance due is.
TransUnion is reporting a Bankruptcy on my report and keeps verifying that XXXX is reporting it to them. I have a letter from XXXX that states they deleted the Bankruptcy report from my Consumer report and they are not reporting it to TransUnion. I also have a letter from the Bankruptcy Court who also says they are not reporting a Bankruptcy to TransUnion. On TransUnion website they claim all Bankruptcy before XX/XX/2018 are verified through XXXX and as I said before XXXX has no Bankruptcy reporting on me.
I signed up for a XXXX XXXX Citibank Visa in XXXX 2016 and started using the card. 
On XXXX XXXX, my partner, who shares the credit card account, got an alert from XXXX about a negative note on her credit report for late payment of a bill. This shows as registered with XXXX and XXXX. I immediately contacted Citibank and payed the balance in full minus the most recent late payment and interest charges which they removed. The thing is that I had never received a paper or email statement or any notification about a past due payment-since the inception of the account. They had a valid email address as evidenced by my receiving a payment notification ( and I confirmed it with the phone agent during my initial call ). Though he agent waived the most recent feeds, he never mentioned the previous billing cycle 's late payment and interest charges ( and also offered only to have me make the minimum payment vs. paying in full ) which I discovered when reviewing my charges a few days later. In a subsequent phone call to Citi on XXXX XXXX, 2016, the agent told me they could not reverse those charges ( she put me on hold to apparently check with a supervisor ). 

Since I had never received billing notifications of any sort from Citibank, they should also reverse the first billing cycles fees. The scarier part is that had we not gotten the notification from the credit bureau, it could have been worse. 
I use a number of credit cards and typically pay in full, on time, every month. It did not occur to me that I might have to proactively " ping '' the credit card company because they neglected to send any bill. We are all conditioned to respond to a bill we receive, otherwise it 's " out of sight=out of mind. ''
A company by the name of AR Resources Inc. of XXXX XXXX, PA. has put 3 " unpaid collection '' line items on my CBR, out of the blue.! I have never spoken to this company regarding anything, or received any phone calls or messages from them, or anyone about a supposed bill I've never paid, until they posted three unpaid debt collections on my CBR two months ago. Never.! When I called them ( several times beginning in  XX/XX/XXXX ) stating they have made a mistake about some debt I owed, they stated they would send me a bill from an emergency room visit in XX/XX/XXXX. ( I haven't been to an emergency room in 40 years ). So after asking me to wait for 30 days, they never sent me anything. I called them again, and they said they would mail me the supposed bill again, and to wait for 30 more days, again. The lady stated that since I didn't have any medical insurance, that is why I'm being charged and I have to pay. I told her I've had medical insurance with the same company I've worked for for the last 30 years. She seemed surprised and took the insurance information, and said not to worry, she would submit the bill to my insurance company. No word, no bill, no nothing, so 35 days later I called again, and was told that they sent the claim to my insurance company and that's all they could do. I then asked why have they listed this one " bad bill '' of {$650.00} on my CBR report as three separate items.? She said she didn't know why it's listed three times on my CBR, and she could not help me fix it. I said ; you put it on, why can't you take two off while this is being researched and resolved, leaving the one item/bill.? She said to write the CBR companies, if it appears more than once.! Wow ... I called my medical insurance company today, and they stated that the " bill '' is way past any normal time limit of one year for them to consider paying it. I asked the insurance company to please double check and see if this bill that is supposedly mine, was ever submitted at any time before. The lady clearly stated, it has never been submitted to my account before. Please help me to get this incorrect, almost 2 year old medical bill off of my CBR's..! These three bad marks for unpaid collection debt first appeared on my CBR on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I was contacted by Fair Collections and Outsourcing inc.by phone that I owed XXXX $ to XXXX XXXX XXXX owned by XXXX XXXX on XXXX XXXX. 40 days after my lease ended at XXXX XXXX XXXX XXXX IN XXXXon XXXX XXXX. No prior notice of any money owed was sent during this time prior to the phone call. XXXX collections explained the amount owed was for unknown late fees, unknown damages, XXXX $ unexplained and XXXX $ described as electric re-billing. I was never offerd a final walkthrough inspection of the apartment to check damages. The Electricity was never included in my lease and was my responsibility not XXXX XXXX to pay. After 15 years leasing from this company I am surprised that I was turned over to a collections agency threatening my credit score and rental history without notice and so quickly. On the day my lease ended I was returning my keys ; the Offices of XXXX XXXX in XXXX Indiana were closed. This includes, XXXX XXXX and XXXX XXXX.
i am a new widow and nearly XXXX before my husband died he instructed me to cosign on my nieces student loan which evidently is a private loan. she got into financial trouble and began to be late or did not pay at all. i finally told her since i was cosigned that i needed to protect myself and so she needed to give me the payment and then i would make the real payment to insure it got in on time. at that time the agreed note between her and teh company was XXXX per month. i was making these payments each month but then began t worry about possibly forgetting myself so XXXX months ago i called the company and told them to automatically charge my credit card each month for the XXXX the agent made me listen that recording that stipulated i understood the XXXX would be charged each mnth..i said yes. on XXXX XXXX i got a call telling me the note was going up because i had a better credit rating and money in the bank ... the new agent said XXXX or i woiuld be reported to the credit bureau. i tried to explain the money in my account was funds from my husbands life insurance policy and that i needed it to live on for the rest of my life and support our XXXX XXXX son and the other account was a trust fund for when i died to make sure my son would make it..my only income is XXXX in social security ... but he would not consider this and did not note it. today i tried again. and the lady again said you have money you pay..i tried to help her understand i was not assuming the loan that i was just charging on my card what my niece gave me so whatever arrangement they had should still be in affect ... then she said i was supposed to have been paying the XXXX for the last four months but i had no idea as the last i heard was the taped statement agreeing to the XXXX on my credit card automatically. then they wanted XXXX more dollars to pay the late charge for something i knew nothing about and they had not told me. she told me pay it and they might reconsider lowering the note back to the XXXX next month. they refuse to do anything in writing saying they no longer do that. i was dumbfounded that XXXX years ago this was a XXXX loan and now after XXXX years is a XXXX loan. with interest daily and is variable interest. i tried to explain i as the cosigner was not assuming the note ... just making sure nothing hurt my credit rating. i was also told that if the note was paid on time for a year i could be taken off as the cosigner..now they say it has to be a year but paid only by the primary. i just want the note to reflect the prior agreement they had with my niece and i want the lender to honor the on time payment and eventually at the end of a year release me as the cosigner. i want the lender to not play both sides of the field by using my life insurance procedes and trust fund monies as the basis to raise a note but refuse to lower the interest ... ... ..they are preying on a widow and senior citizen
Someone opened an account without my permission in Illinois. I have never had an XXXX Illinois account. I live in Missouri and have had XXXX MO for over 12 years. This information is only reporting on my Experian report. Its fraudulent and I want it removed from my report. Its now with a collection agency and There is no contract which also does not give them the right to attempt to collect
I was contacted by the collections agency attempting to collect a debt that they never billed me for. I asked them to send me a bill and for simple validation of the debt by phone and by certified mail. Instead giving responding to my letter, the reported the debt shortly after, not allowing me the 30 day period in wich they were not to report the debt to the credit bureaus and I was never sent any form of validation till this day. This is the XXXX company trying to collect thid debt from me and neither of them were able to validate it but Diversified Consultants were the only ones who reported the XXXX debt that was claimed to me mines.
On XX/XX/XXXX, I processed a large payment of {$18000.00} through my online banking service ( XXXX XXXX  ) to pay off our credit card bill. I inadvertently sent the payment to another credit card company ( Chase Card Services ) which was my old XXXX Visa card that I had not used since XXXX. 

On XX/XX/XXXX, I realized the error I made and contact my bank ( XXXX ) who stated that the payment had already been processed by Chase and deposited into their JPMorgan account and that I needed to contact Chase to obtain the refund. 

On XX/XX/XXXX, I contacted XXXX at Chase XXXX and explained to him what occurred. He stated he would submit an inquiry using my old XXXX account and the inquiry would be completed within 14 days. 

On XX/XX/XXXX I contacted Chase for a follow up and spoke first with XXXX who stated that my record showed that there was an inquiry but there was no overpayment posted to my old account. She advised me to contact Chase customer service and gave me XXXX. I called that number which stated that that number is no longer in use and to call XXXX which tell you to call XXXX. 

I have a copy of the check that XXXX sent to Chase Card Services and the account number to which JPMorgan the holding company for Chase deposited the {$18000.00} into. 

I made an error and should have sent that amount of money via personal check rather than online and making the error. However, Chase/JPMorgan should be able to identify within 14 days why they can not post {$18000.00} to an account that has been closed and return the check as soon as possible.
Access to my  Chase   XXXX   XXXX   XXXX   Visa  Credit Card was suddenly and without any explanation stopped. I can no longer use the card anywhere. I always pay my balance in full and have no account balance, no late payments no balance due. I have not even come close to my maximum credit limit at any time during the use of this card. I have not been traveling and have not used the card in any usual wa y ( no large purchases of strange things/ no large internet purchases ). I have not changed any of the account information ( no address, phone, payment or any contact information changes ). Chase refuses to provide an explanation as to why they have frozen the account. I have another Chase Visa card which is working just fine, my Chase Sapphire Reserve Visa C redit Card. I use this card in almost exactly the same way, in the same places, and for the same items that I use the ot her Chase card for. In the past I simply used them interchangeably, so to speak. Chase is acting in an arbitrary if not illegal fashion in regard to my accounts. Please if you coul d get them to apologize and reinstate the account I would appreciate it.
On XX/XX/XXXX, I contacted Statebridge Company customer service to request the force-placed insurance they incorrectly put on my mortgage be removed and a refund made for all premiums paid for the force-placed insurance. Statebridge Company did not honor my request, and during the course of making multiple follow up calls to resolve the matter, I was given the runaround as to customer service claiming they did not receive requested documents, asking for the same documents multiple times, continually adding requirements to process my request, making claims they knew nothing about previous calls, etc. On XX/XX/XXXX I sent a letter to Statebridge Company via certified mail demanding their compliance with CFPB 1024.37 paragraphs 37 ( g ) ( 1 ) and 37 ( g ) ( 2 ) to have the insurance canceled and a refund made to me within 15 days. Statebridge Company received this letter on XX/XX/XXXX and subsequently canceled the force-placed insurance as indicated in a letter I received from them dated XX/XX/XXXX. However as of XX/XX/XXXX, Statebridge Company has not issued a refund and multiple follow up calls had resulted in getting more of the same runaround -- receiving conflicting information, being passed from department to department, adding requirements to process the refund, etc. Statebridge Company is not in compliance with CFPB 1024.37 paragraphs 37 ( g ) ( 1 ) and 37 ( g ) ( 2 )  and must act immediately to process my refund to comply with CFPB obligations. If their compliance requires CFPB intervention, any assistance would be greatly appreciated. Statebridge Company is located in XXXX, Colo. Their NMLS ID no. is XXXX.
I have received a debt in collections but I was not aware it would go to collects and in the state of Texas receivable performances does not a active surety bond. I have tried to dispute it but they were not able to do anything.