WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notification from XXXX XXXX that there is an " open collection '' on my XXXX Credit Report. On my report there is an open collection from the agency " EOS CCA '' for {$56.00}. The original company says " XXXX XXXX ''. I called XXXX XXXX XXXX and they confirmed that I do not have any debt and that my account is closed and paid in full ( documentation attached ). I called EOS CCA at the number provdied by XXXX ( documentation attached ) and tried to remedy the issue. Before this call I looked at review for EOS CCA and many consumers stated that this company is a scam and is looking for personal information. In my call to EOS CCA I informed them that this was not my debt and they refused to help me unless I gave them my Social Security number. They could not find my account based on my name, address, or phone number. They said unless I give them my social security number they would be unable to help me. I called and made a complaint with the XXXX as well as XXXX. XXXX is going to dispute the charge with EOS CCA. My credit score is going down because of this company and this open collection. I am hoping that this is investigated so this does not happen to anyone else, and so this does not effect my purchasing decisions in the future. Thank you for your support.
I am writing a complaint against to TransUnion XXXX Failure to respond to my dispute and to remove the items on my credit report, with the following information in my file. I have put here below and I attached copy of the letter I send to TransUnion on XXXX/XXXX/XXXX This items you will see on pdf document i ' will upload. 

I am requesting that the items be removed because it affects my credit to correct the information. 
Enclosed all copies of the documentation I sent to TransUnion they say that what I send for proof of address was unacceptable, I sent for proof of my address a Utility Bill and Bank Statement the other letter was from XXXX XXXX XXXX I sent that letter because I was denied credit for an exercise machine I need because I have medical condition XXXX XXXX I have to XXXX do exercise to so my muscles need to be strong because my condition is it makes me weak day by day. 
I hope this document that I am sending help with dispute to erase everything that is damaging my credit history supporting my position. Please reinvestigate this matter and delete items as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : XXXX XXXX, Bank XXXX, Disputed letter, FTC report and XXXX Case # : XXXX from XXXX FL
BB & T locked my savings account after a year of no withdrawals. I transferred funds into the account, after all, its a savings account - designed for long term savings - but BBT doesnt consider the transfer of dollars into the account as an activity. Now the dollars transferred are locked. They state that i need to come into a location to unlock and receive my funds. 

I live out of state. I have a notarized letter stating my desire to close out the account and release my funds. All attempts to fax fail as the line is constantly busy. The bank has yet to return my calls to e-mail them a signed copy as an alternative to their fax. 

This is the BB & T on XXXX XXXX in XXXX VA
the company cashed my post dated checks. which i have been doing for 3 years. the company was greentree and was bought out by ditech..ditech cashed all XXXX checks which were dated for XX/XX/XXXX. this caused me to now owe my bank XXXX in overdraft fees. which they will not cover. i an on direct deposit for XXXX and the bank is going to keep all my money. this company ( ditech ) has put me into a financial crisis
In XX/XX/XXXX my husband and I were approved for a Modification on our XXXX mortgage for our primary residence. The XX/XX/XXXX Modification got rid of our payment for our XXXX mortgage. Throughout the winter of XXXX we had trouble making our mortgage payments, I have been in continuous contact with ASC ( Wells Fargo ) starting around XX/XX/XXXX until now ; keeping them informed of our situation and when we would be able to make payments. In XX/XX/XXXX ASC sent us a Modification Application Packet to fill out and return. We filled out the paperwork, but did not return it as it stated " If you 're modifying a mortgage that has been previously modified, we need to let you know that if you proceed with a new Trial Period Plan or modification your existing terms may be impacted. '' I have a very important question regarding this statement and do not want to proceed with the modification application until this question can be answered ( I do not want our existing modification terms to be affected if we fill out and are approved for a new modification ). I attempted to contact our home preservation specialist ( XXXX XXXX XXXX XXXX ) at ASC for XXXX months. At XXXX point during that XXXX months, I called her directly everyday for XXXX weeks straight, she never answered or called me back. I also spoke with customer service at ASC many, many times. I asked them my question and they told me that the only person who can answer that question is our specialist for our file. ASC 's customer service people attempted several times to contact our specialist via Instant Message, e-mail and phone calls, while I waited on hold ; she never answered or returned their requests either. Last week we received a letter in the mail from ASC 's attorneys ( XXXX XXXX XXXX XXXX ). This letter stated that they are representing ASC in the foreclosure of our home. I called ASC once again. The person that answered the phone at ASC informed me that we have XXXX options : We can pay the past due balance to reinstate the loan, or we can apply for a modification. I told her I want to apply for a modification ; she informed me that the only person who can do that for me is our specialist ( XXXX XXXX ). Once again, the customer service person tried to contact XXXX ; she never answered or returned the request for communication during the XXXX and a XXXX that I was on the phone with customer service. Since I received this letter on XX/XX/XXXX I have called ASC XXXX times and have been unable to reach XXXX. I need to know if this new Modification will affect our first modification, a question that everybody at ASC is telling me that only XXXX can answer. Also, ASC customer service is telling me that XXXX is the only person whom I can speak with to proceed with the new modification.
Back in XX/XX/XXXX I filed a complaint with this department, ( case # XXXX ). XXXX XXXX XXXX responded and a modification was implemented in a couple of months after two and one half years of stalling. I paid $ XXXX for 3 months and a permanent mortgage was granted. This was nothing resembling the modification that was presented to me, a waste of {$6000.00} or as I see it a SCAM on XXXX 's part. I refused because it would have left my wife and I tied to this house till XXXX. We are in our late XXXX 's and hoping to sell house in XXXX years and move into an apartment. The house was extremely under water at that time as well as now.A few months later XXXX proposed another modification which I started but my mortgage was sold to Caliber Home Loans. with a new loan number. 
Please help I do n't want to go to foreclosure. I currently have not been discharged from chapter XXXX bankruptsy. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Fl. XXXX XXXXXXXXXXXX
I received a letter, collection letter from Central Portfolio Control, they stated that because of interest, late charges and other charges that may vary from day to day, the amount due on the day you pay may be greater. In addition, this is the first time I have received a collection notice on this amount and have not received any information on when the service was/if it was provided by the Hospital they are collecting for. They want me to send in a payment and then discuss options? It does n't even give the date of service..
American Express offer to enroll me to automatic accident insurance every time I booked a ticket under my card. In the past, I kept on complaining that I should not be charged for insurance if the plane ticket is not under my name. I trust them that they will not charge me because I already placed several complains about this. So what I noticed whenever I had a chance of checking my charges I saw some automatic insurance charge and I even have a record in their system about my complain. Again, I saw some charges these past few months and I was told that the policy of the insurance company who is Amex partner change that every time a plane ticket is charged regardless if its me or not will be charged with automatic accident insurance fee. I was told that they send letter about it and XXXX me because I fail to read it, I am now penalized for automatic accident insurance regardless who is the passenger.
I 'm not a lawyer but this is a sneaky way of doing business with a loyal client for the past 15 years. If I will enter into an insurance agreement, I must clearly consent it.
This sneaky way of generating revenue should be stopped and I need to know what available option I have because I spent so much time fixing this instead of going to work. I 'm not only losing money here, but I also lost time which I 'm supposed to be earning money to iron out these constantly repeating issues.
Thanks for your help, XXXX
The entire series of events is completely bizarre. First I was informed by my parents that a representative from Wells Fargo called their home requesting personal information about my account including my email. I immediately called Wells Fargo to confirm if they had in fact made this call because it was suspicious, as only my personal cell phone is on my account. Once they confirmed that it was a phishing scam, and no such call was made by their reps I was told my account was fine. About 1 hour later I received an email on X/X/2017 stating my account was being closed and that I would not receive the funds in the account until XXXX. The entire series of events was absurd and confusing because I had used the card earlier that day, and spoken with Wells Fargo in regards to the phishing scam. I now have no access to my funds and I currently have no other bank accounts. All of my money is in Wells Fargo and they are holding my money hostage. No reason was given for closing the account, it was stated that they were ending the business relationship. I would like access to my funds immediately and Wells Fargo to be held accountable.
I am selling my home Fifth Third bank had been contacted to verify the payoff balance and to verify the account. A flag was set internally with them. I have been paying my mortgage by auto transfer thru XXXX XXXX XXXX for years on the XXXX of every month. When they found out the account will be closed, they attempted to get one months extra interest by claiming the auto payment made on the XXXX for XXXX was not received. Their collections dept called saying I was delinquent claiming the payment was not received and took my bank accounts routing number and account number for a payment over the phone. I verified with XXXX XXXX XXXX that it was after that call was completed. I call back Fifth Third bank asking to refund the 2nd payment and explained that they 'd posted the 1st payment from my account and that they were wrong about the delinquent account. They refused and said they would just credit the 2nd payment toward the XXXX payment. The account will be closed before XXXX. XXXX XXXX XXXX said they ca n't do anything because the transaction had already been processed. You can see on the attached bank statement the withdrawal for {$900.00} on the XXXX and the XXXX for {$920.00} on the XXXX.
XXXX XXXX  is reporting two closed accounts on my XXXX   credit report. Both accounts show a balance of {$380.00}. One is shown to have been opened XX/XX/XXXX, the other on XX/XX/XXXX.

They have been doing this for many years though I have asked for them to remove them.

Also, XXXX XXXX   has never validated the debt with me though I asked them to do so in XX/XX/XXXX and in XX/XX/XXXX. Without validation I can not know if these 7-year-old accounts are mine. I do not believe they are mine.
Bank of America is allowing transactions to post even when an account has a negative balance so they can collect NSF charges. A honest bank would deny the transaction ( s ) preventing customers from being charged a NSF fee. This remedy is better than me having to call and demand the fee reversal.
Debt was settled with  XXXX   XXXX   XXXX  back in  XXXX    XXXX  . My uncle got a phone call from a   XXXX   XXXX   calling from  XXXX  stating she was calling from us national collecting a debt on the account that was settled. She had my dob, and social and states that she will try to not press charges. I told her case was settled and she asked me to submit email to  National Arbitration  reconciliation .org i tried that and the email did not go through. I followed  the trail  from where i got the loan and who it was sold to and confirmed with documentation that it was paid and closed out.
In  XXXX , I was unable to submit a dispute through Transunion online due to an online dispute that was already in progress so I mailed them the dispute. I disputed the same information with   XXXX   because whatever the debt is it does not belong to me and have no idea what it is doing on my credit report. First the transaction showed as closed with a balance due now it shows as open with Transunion.  XXXX  complete their investigation in a little over 30 days but deleted the same information I am arguing with Transunion over. I have called the company and I get no where at all with getting information about this  XXXX  I supposedly owe. They say its  XXXX  I say ok send me the information and they hang up on me or try to get me to pay it.. I go to submit a dispute again to Transunion and again there is an error message on their website but this time I have no other disputes open. I have called Transunion about their website disputes issues and get put on hold bounced around and eventually disconnected.
On XX/XX/XXXX I called Mr. Cooper and spoke to a representative in the collection/loss mitigation department and made payment arrangements to pay my past due. He told me to pay 2 pays and rest would be divided into 4 payments, I asked him how I should pay, he said to wait until I get a letter of confirmation of the arrangement and go online and make payment, he said wait around 10 days. So I waited, and didn't receive anything in the mail, so I tried to make a payment online but it would not take it. I called on XX/XX/XXXX, Mr. Cooper office was closed, then I called on XXXX and was told I didn't have a payment plan and that my house is in foreclosure, the plan was not approved and it was denied, I asked to speak with a supervisor, so someone by the name of XXXX XXXX at the Loss Mitigation department manager called me, I explained the situation, also advise him I didn't get a call nor a letter stating that my payment plan was not approved, he agreed with what I said and said he will review the file and get back to me and even maybe he can put the plan back on the system and let me do it that way. He gave me his number and said he will call me back in 24 hours. Well a day passed and I didn't get a call and I called him and left detailed message, still didn't get call back, called again the next day, I left 3 message so far and no one has returned my call nor I have received anything in writing.
Following a recent review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I learned that Chase Card ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2004, I deserve more.
According the Equifax 's website, they believe my personal information has been compromised by a recent cyber-attack. This puts me at high risk for identity theft and fraud. This is unacceptable!
I sold my XX/XX/XXXX XXXX on XXXX XXXX, XXXX as a short sale. Experian reports this as a settlement. I have a " LETTER OF DEBT FORGIVENESS '' from XXXX XXXX XXXX. Also I live/rent now in a XXXX center ( XXXX XXXX @ XXXX XXXX XXXX in XXXX, California XXXX ) & Experian has me living in XXXX. I have no past due bills & do n't owe anyone/anybody money and have had credit for over 50 years.My XXXX XXXX " FICO '' score is listed at XXXX. Something crooked is going on at this Experian Corporation headquartered in some Foreign country. They claim my payments are XXXX % which is a complete lie. Can you help me in fixing these white-collar criminal activities. Thank you for any consideration in this matter. XXXX XXXX XXXX PS : I am almost XXXX, XXXX & an a XXXX Veteran. I will be mailing in some documents to you.
I have received outstanding bills that have been paid in full. The bills and proof of the payment has also been attached. The bills have not been removed by the credit bureaus and have negatively affected my credit.
My dispute regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not been addressed. It has been over 6 months and the information still shows " re-investigation in process ''. XXXX has failed to provide adequate results within the time limit. I am asking that this be removed from my credit file ASAP. XXXX and Experian removed this debt after re-investigation over 6 months ago. My dispute was filed in XXXX 2015 ( see outcome from Experian in XXXX 2015 ).
Ditech, In response to Ditech back in XXXX they say they have n't received my modification information. I have proof we sent it with a return receipt. They also stated in XXXX they need 60 days to review my file. Its well passed the 60 days and I still have no answer. My attorney and I cant seem to get any cooperation from them. Can you please respond to me with some answers.
There is one account in collections on my credit report. I sent a letter to the collection agency asking for the copy of the signed credit application for thed debt since the account is not mine. It appears as if my identity was stolen and someone took out a credit card in my name. The credit card company sold the account to this collection agency called : LVNV FundingXXXX Resurgent Capital Services. On XXXX XXXX, XXXX, I sent a letter to LVNV Funding,  requesting a copy of the signed application. The company that replied was Resurgent Capital Services. They sent me copies of Statements. On XXXX/XXXX/XXXX, I replied to their letter advising they sent me statements, however they did not send me a copy of the signed credit application so I can report this account as fraud to my local precint. I have not received the copy of the signed credit application as of XXXX/XXXX/XXXX.
Good Morning ... I checked my credit report this morning and found some hard inquiries that were once removed from my report but somehow reappeared. I was not giving any notifications that these accounts would be added back to my credit report. I did some research and was informed that Transunion had a glitch in their system XXXX and that 's the reason why all my old accounts were added back to my credit report. I called Transunion this morning and spoke with XXXX who states that she was a supervisor regarding these issues. She could n't explain to me as to why these accounts were added back to my account. She also informed me that some of my inquiries will fall off this month, end of this year, and the beginning of next year. She also informed that I could contact the creditors for letters but I do n't understand why I have to repeat this cycle again? Please help me from being victimize. The accounts that I am informing about are ... ....
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1.XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry fromXX/XX/XXXX5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX Inquiry from XX/XX/XXXX
on XX/XX/2018, XXXX XXXX, debit my checking out three times. I agreed to make payment on XXXX and the acct was okay with that. due to some health issues, I wasn't able to make the XXXX, but I had planned to contact them once I was feeling better, they have done this several times and I asked my bank to restrict this merchant. I believe this company has it in for me and they feel they can charge whatever they without my authorization. they should be a law for companies like this who tend to bullied customers acct without their regard. I am sure nothing good will come out this, they are tough as nails and negotiate is not an option for them
Purchased a vehicle in XXXX Texas. The dealer uses US Bank as XXXX of theirnew car loan lenders. I never received a welcome package so to speak with my account number and where to send payments. I actually had to go back to the dealer and ask the finance department to get the info I needed to make a payment which was due in five days. A 30 day time frame from the original purchase. Since I have an account with XXXX, that monitors my credit, I got an alert as to the new purchase and wanting to know if I had originated the loan or not. During the set up of my account on US Bank website, it was noted that my address was incorrect, my name was spelled wrong twice, giving me XXXX new aliases and a new address that I never lived at reported to all XXXX credit bureaus. After contacting US Bank customer service, their reply to my situationwas to give me phone numbers to the credit bureaus, which I could call to dispute the erroneous information, which they caused and created due to complete carelessness on their part. I just wish I had another XXXX of moving this loan to someone who cares about customer service. 
XXXX
This Complaint is made against Equifax credit reporting company. For the past 12 months i have been disputing in writing the incorrect, misleading, fraudulent, inaccurate information that states I, opened and had an alleged contract, agreement, mortgage with XXXX XXXX XXXX XXXX I despite this inaccurate information on my personal credit report in its entirety! Only Equifax continues to report this account, despite my disputed letters and police report that states I do not have any knowledge of an account, mortgage and bilateral contract with XXXX XXXX XXXX XXXX. Please note this inaccurate information is causing me injury, and reducing my credit score and ability to get consumer products etc. XXXX XXXX XXXX XXXX to date has admitted that they do not have a bilateral contract with me, nor is there proof of a mortgage ever being executed between me and XXXX XXXX XXXX XXXX on XXXX XXXX, 2007. Additionally, this alleged debt and report is in violation under the fair debt collection act, the fair debt reporting act and State of New York statue of limitations and other positive laws.