WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/2018 i contacted XXXX XXXX about a unauthorized charge to my card in the amount of {$360.00}. They informed me that they couldn't find me in their system and made note of my first and last name. they informed me that if the payment tried to come thru they would reject it and not except it. I called my bank periodically checking on this charge thru out the week. unfortunately a week or so later the charge came out of my account. I contacted XXXX XXXX   again, which at this time they sent me to a head supervisor because the payment had not been taking by them. speaking with the supervisor she informed me that a third party was involved and gave me their corporate number. the third party was XXXX, i spoke to a lady who assured me that they didn't accept payment either because the hotel rejected it they would have no reason or authority to take it. I contacted my bank and informed them of the situation and proceeded with filing a dispute.I never received any products or services from this merchant. 

there was also a unauthorized charge of {$170.00} on XX/XX/2018 to my account by a moving company who couldn't provide service to me at the time i requested. I responded to the confirmation email and informed them that i would call them to set up something later. later that day someone from this company called me and states that they already tried to take {$170.00} out so what are they to do at this point. I informed the gentlemen that the deposit was not authorized and i only had a phone conversation with someone who couldn't even confirm a time the movers would be available. He placed me on hold for 5 minutes then hung up on me. when I tried to call back no one answered. I never received any products or service from this merchant.
Was contacted by this company about another persons debt. I let them know they had the wrong number and asked who was calling. MG Credit was rude and hung up. Called back to complain. let MG Credit know the number they are calling is wrong and to remove it from they call list. MG Credit continued to ignore my request and gather more information about me and the phone. This happened on XX/XX/18 around XXXX eastern time.
I was interested in a car insurance service but was surprised when their quote said I was getting a higher rate because my credit score from Transunion was XXXX. I generally have a very high credit score. I clicked over to Transunion 's website to check my credit score and discovered it was actually XXXX. As part of this process I was taken through a very non-transparent process wherein they made me a " member '' with a {$9.00} monthly fee despite no mention in the sign-up process that there would be a charge ( I discovered later that in the fine print of the terms and conditions I checked there was a stipulation that I would become a member and be charged a fee, but the actual fee was not detailed and never was it shown on the actual web portal, only buried in 12 pages of terms and conditions ). I then had to cancel and get refund from them. 

It was exactly the sort of behavior that is described in these articles that I discovered later : XXXX XXXX-XXXXXXXX, XXXX I think 1 ) they are selling a different score on their website than the one they are providing to the insurance company and 2 ) they are fraudulently getting people to sign up for memberships when all they want is their free credit report and in the process charging {$9.00} monthly for a service no one wants. It is shocking that it is continuing to go on especially since they so recently settled over the same issues. 

Please look into this further and protect consumers. I called them and insisted on a refund but many consumers would be less shrewd and more vulnerable.
I opt in to receive assistance from  XXXX   XXXX    XXXX   and after filling out the necessary documentation I 've been trying to get in contact with them to cancel the process once I found out that I could 've done everything for free of charge. I 've left messages and called numerous of times but no call or response and they have an automatic system that 's set up to lie about their hours. It has n't  been thirty days and I 'm not  due for a payment yet all I want to do is cancel my whole consolidation process.
The debt was eliminated. 
I have had calls on the hour every hour from XXXX XXXX for a debt that does not exist.
XXXX and has falsely reported an inaccurate claim and or amount on my credit report. I disputed the entire amount that was sent to collections within 30 days by my previous apartment complex. I did this with recipients and all evidence that I was never in violation of my lease agreement. I was unfairly targeted and discriminated against and issued a 7 day notice to vacate. I complied with their request and paid all current rent. My account was still sent to collection and i was charged an early termination fee.
Hello, In XX/XX/XXXX after the fall of the Mortgage business, my second mortgage loan was charged off by the servicer XXXX due to my bankruptcy filing in XX/XX/XXXX. After being unemployed for XXXX years, I was no longer able to keep my BK payments of {$2500.00} per month and my chapter XXXX was dismissed but not prior to my unsecured debts being charged off in bankruptcy. I then request that my XXXX mortgage loan be modified by Litton Loan. However, Litton Loan Servicing company was closed down at the end of XX/XX/XXXX and my loans were transferred to Ocwen Loan Servicing. Ocwen modified my first loan and invalidated my second mortgage. I have been paying on this modified loan now for over 4 years. I am now being contacted by XXXX XXXX, a collection agency, in an attempt to collect on the charged off XXXX mortgage debt under the name of Ocwen Mortgage. Ocwen Mortgage said that they have nothing to do with that debt. I 've asked both Ocwen and the collection company for the name of the investor they are collection payment for and I can not get an answer. The leins are recorded in the name of XXXX Mortgage, the company that fund my mortgages, however they filed chapter XXXX bankruptcy in XXXX and the bankruptcy case was closed in XX/XX/XXXX. I have attempted to contact XXXX Mortgage with out any success. I have also contacted the trustee that handled the bankruptcy and they have no contact information. Through MERS I found the investor listed on my first mortgage as XXXX Bank as Trustee for XXXX Mortgage and the second was listed as XXXX XXXX XXXX for XXXX Mortgage. I contacted B of A and they could not find an active account for the second mortgage and was not able to help me any further. If the debt of the second mortgage still exhisted in the name of Ocwen, why was this not address at the time of the loan modification. I do not have proof that either Ocwen or LCS Financial has any rights to collect on my mortgages and I am asking that they prove that they have the right to collect on these debts. 
Thank you, XXXX
I was called by the One Main Financial store in XXXX KY. ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.
I am resubmitting complaint since the previous explanation was not accurate and insufficient. 

Since Medical Data Systems reported the outstanding debt to Credit Bureau, it is responsibility of MDS to correct the error Below is the summary of my complaint : My son received treatment @ XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX He had insurance coverage and details was provided to XXXX. 
However XXXX continued to send bill making it self pay inspite contacting several times to correct the error and submit to insurance. I also tried conferencing XXXX billing department with XXXX XXXX XXXX XXXX since I was told XXXX was having trouble submitting the claim. However XXXX service rep hung up the phone when I conferenced associate from XXXX This continued for most of XX/XX/XXXX and XX/XX/XXXX and eventually XXXX turned over the bill to Medical Data Systems for collections and it ended up in credit bureau as unpaid collections. 
To avoid running out of time, I contacted XXXX late last year and submitted a claim myself with the information I was provided by XXXX. However XXXX informed me that it was missing several pieces of information to process the claim. 
I was hoping to get the claim resolved within 6 months so that collections does not become permanent in the record. I have contacted Medical Data systems several times in last 6 months but so far I have not received the information I need to submit the claim with XXXX. 
Every time after spending hours with Medical Data systems staff I get same information which is missing Diagnosis code and Procedure code. 

XXXX has promised that they will process the claim as soon as they receive complete information and will pay the outstanding bill to XXXX as soon as it is processed. 
I dont have any doubt that the bill will be completely paid I am requesting CFPB to interject and advise Medical Data Systems to remove the collections effort from the credit report immediately. Meanwhile I am working with XXXX to provide me the required information or submit the claim with insurance immediately
This debt originated from a lease break on an apartment. The debt owed is {$2400.00} as per the lease agreement with XXXX, and also the previous debt collection law firm of XXXX. This new company, Valle law firm in XXXX, Fl sent me a letter today stating that I owe {$130000.00} to them on behalf of XXXX.
my credit report indicates this account was open on or around  XXXX   XXXX  ,2011 at an  address I never resided at. I 've disputed this account with the  XXXX  credit bureaus on several occasions as a fraudulent account. They 're stating the response from this compan y (   XXXX   ) i s verified as mine. How are they verifiying this account? I do n't have or nor have I been sent any thing verifying this fraudulent debt as mine. I do believe my ex husband 's girlfriend may have gotten this account
I opened a " line of credit '' with XXXX XXXX XXXX in XX/XX/XXXX. My grandmother XXXX XXXX suddenly from XXXX and I took out the " loan '' to travel to Ohio for the funeral. The " line of credit '' consisted of a {$100.00} origination fee and a 273 % interest rate. I never intended for this to be a long term thing. I only borrowed about {$700.00} back in XXXX and I still owe over {$1000.00}. The first year cycle consisted of paying off the " line in credit '' entirely and borrowing the money again the same day. Each month I would have to pay a {$100.00} origination fee to open a new line of credit that consisted of submitting a new application, employment verification and a copy of my bank statements. I didn't understand why a " line of credit '' had to be forced closed and and new " line of credit '' opened each month. I thought a line of credit was open ended. The representative never explained that you could make payments at anytime and withdraw from the line of credit until after I was trapped in a year later. I went in to make a payment in XX/XX/XXXX with my refund to get this line of credit paid off once and for all. The female employee working in the XXXX store location told me that paying off the line of credit would hurt my credit score because it would report negatively to the credit bureau after the balance was paid off. I talked to this employee for at least 30 mins about paying off the balance. The employee told me that it would be best to make a payment but keep the line of credit open to improve my credit rating. This young lady convinced me to make a {$400.00} - {$500.00} payment on the line of credit and to keep it open that day. This was a decision I seriously regret. I went in to make a payment next month only to find out the payment I made was applied to the loan cycle interest. How is it that you make a payment only to them send you a statement a few days later reflecting the available credit was applied to interest charges. I went in to speak with the manager and explained the situation and she apologized for the deceptive credit information the young lady gave me the previous month and told me she was no longer employed with the company. They also informed me at the time that they did away with the {$100.00} origination fee. I asked what would happen each month when I have to make the payments and they didn't give me any additional information. Over the past few months I have noticed the monthly payments have gone up to roughly {$300.00} per month for a {$700.00} loan I've been paying on since XX/XX/XXXX. I asked the store manager about settlement options or long term payment arrangements and they basically told me they don't offer settlements or any other payment arrangements. I feel that XXXX XXXX XXXX  used deceptive tactics to trap me into this loan so that they could continue to pocket my hard earned money. I have been charged over {$1800.00} in interest alone since XX/XX/XXXX.
I sent the attached letter to Equifax back on XX/XX/XXXX. 52 days have passed, and they have not responded to me yet. They were supposed to respond within 30 days, and have not.
I have been waiting for my final and then I find out it has been turned over to collections i never got a bill and I had been a customer along time .I called and the man from XXXX was very ugly and was no help .I would have already paid the bill of what they say of XXXX but I still do n't think is right .but now its on my credit for 7 years because I could not get them to send me my bill and the closed my online account
I started with this company I say back in XXXX XXXX and I was told that they would pull my credit report to see where I stand and that it was a soft inquiry well that was wrong it was a hard inquiry that they told me would be free and a onetime startup of XXXX well that was wrong to they charged me XXXX the first day. So when I questioned them about it they advised me they where checking to see if I had funds to cover and would be credited back to my account NO! it was never done, I have spent over {$800.00} dollars with this company for them to write letters and to help me in which it was not an success and now I am being harassed by the law firm that they some how work for legal fees and services .Also I kept calling they would hang up or keep transfer the calls to Different departments and hang up or say they will return calls or better Yet lock me out of the account so I cant see what there doing to my report.
Ocwen loan servicing is the servicer of my loan. 
1. They refuse to talk to about anything. 
2. They refuse to send me any papers. 
3. They will not send me my statements4. They will not send payment statement. 
5. They will not return any letters or phone calls. 
6. They refuse to let me know what owed on loan. 
7. They refuse to let me know if they received my payments. 
8. They refuse to let me know what my payments are. 
9. They but forced insurance on this property when I have insurance on the property. They refused to take it off after 3 months of sending them proof and calling them over XXXX times. 
10. They double charged me for insurance. 
11. The only thing that they will say when I call, is that they were told not to talk or send anything to me due to I filed litigation against them. 
XXXX. I have over XXXX documented calls to Ocwen and copy 's of letters sent to prove this. 
I believe they are doing this because I filing a lawsuit and complaints against them in an unrelated mortgage that they are servicing for XXXX XXXX XXXX. ( Case, XXXX in XXXX County ). This has noting to do with this loan which is owned by you, XXXX. There is no reason for there conduct in the servicing of this loan. I have no complaints or lawsuits against you. I have not missed any mortgage payments. Its not in foreclosure. I want to make payments on time and have been making payments for the last 4 months not knowing what my payments are, and if they were even credited ect. 
I believe they are going to to try to foreclose on this loan even though I have proof of all of this, just like they illegally did on the loan with XXXX. This is the loan I filed the lawsuit on. This letter will be sent along with complaints to other agency 's including the press. 
The nation is in a foreclosure crisis and the courts are full of foreclosure cases. There is no excuse for this conduct by Ocwens loan servicing. They may cause this loan to go in foreclosure for no reason what so ever.
I had submitted a complaint ( Case number : XXXX XXXX about the Debt Recovery Solutions debt I did not owe. They responded and sent a letter through CFPB that they will delete it and send it back to the original collector XXXX XXXX XXXX. My reports updated on XX/XX/XXXX, and I found out that they deleted the file from XXXX and readded it to my XXXX report under the same name Debt Recovery Solutions and XXXX XXXX XXXX. They are the same company and they 're just jumping from report to report with this.
I filed bankruptcy and this vehicle was included but the company is still showing the account open on credit report but no balance owed but I got a letter that show I still owe XXXX the account is closed also on my credit report so it should not still be showing open also the company did get the car back as I surrendered it back to the prestige financial
To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXXI also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA.
During my enrollment at XXXX XXXX, I was informed by the school financial consultant and admissions counselors that my tuition would be covered under my federal and private student loans. Prior to dropping out, I began making payments on my student loans. Afterwards, I was under the impression that any sum or money owed to the school was covered under my loans, and I continue paying them on a monthly basis. Currently, I'm still paying off my federal and private student loans. Earlier this month ( XXXX ) I checked my credit reporting account and noticed that a sum of around {$2500.00} was sent to collections ( XXXX XXXX XXXX ) from the school back in XX/XX/2017. When the sum was transferred to the debt collector, I was not notified in any way that I owed this debt or that it was transferred at all. I have formally filed a dispute with 2 credit reporting agencies and I have also filed a borrower defense discharge application with the Department of Education. After the disputes were filed, I have finally received a notice about the debt today, XX/XX/XXXX, demanding the amount in full or to sign up for a 12 month payment plan. I find it very unprofessional that the school openly lied to me about their financial practices and that the debt collector didn't inform me until 6 months after the debt was transferred.
URGENT!!! NEED HELP ASAP!!! ( Supposed to close loan on XX/XX/XXXX ) I 'm more than happy to provide more information upon request. When I purchased my home, I financed with XXXX. That loan was sold to XXXX XXXX XXXX, where I had a few loan modifications over the years. The loan was then sold to Carrington mortgage services. Carrington is now saying I owe $ XXXX more than what I actually owe, and they will not provide documentation or research the issue in a timely manner. I am aware that I owe the deferred amount from the loan modifications on my loan, however they are saying I owe the modification pay-off twice over. We are supposed to close on the house sale on XX/XX/XXXX. We have been trying to get this resolved for nearly 4 weeks, with absolutely zero response. We have been asked to contact Carrington 's  research department via Fax, but are also getting no response. I am desperate for an answer by XX/XX/XXXX.
This is a complaint against XXXX XXXX, XXXX ( previous known as XXXX, XXXX, XXXX XXXX, XXXX ) that practices business at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX, XXXX is representing XXXX XXXX ( Resurgent Capital Services, LP ) doing business at the following address : XXXX XXXX XXXXXXXX, XXXX, SC XXXX This law firm is being reported for a violation of section 808.8 of the Fair Debt Collection Practices act. 

XXXX, XXXX XXXX has been filing legal documents in the XXXX County Circuit Court using the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, OR XXXX This address is for a XXXXXXXX XXXX located in XXXX and doesn't reflect any physical address the is used by the law firm to practice or conduct from. 

Since the debt collector has misrepresented themselves on legal documents at an address that doesn't reflect a location where XXXX XXXX, XXXX practices law and doesn't reflect the address used when filing business forms with the State of Oregon, Secretary of State, this scenario could make it difficult for XXXX XXXX, XXXX to follow garnishment proceedings with publicly traded companies such as XXXX since garnish paperwork served doesn't not reflect the correct address where the law firm is currently residing in the state of Oregon or their own home office as section 808.8 implies. 

As a result, these collection practices appear deceptive to the consumer as well as a lack of accountability on how the law firm has chosen to practice law in the state of Oregon that could lead to being reported to the US Postal Service for mail fraud and the possibility of wire fraud charges, at the federal level, since there is no indication the the garnishment is correctly being applied to XXXX XXXX ( Resurgent Capital Services, LP ) simply going by the work of XXXX XXXX, XXXX at this time. 

While XXXX XXXX ( Resurgent Capital Services, LP ) has indicated in phone conversation that they have been for the debt, that is only based on a telephone call and not in writing. 

Lawyers for XXXX XXXX, XXXX have been reported to the Oregon Bar Association for misrepresentation since neither attorney ( Mr. XXXX XXXX XXXX and/or XXXX XXXX XXXX ) has been actively practising law in the state of Oregon through an office within the state of Oregon ( based on their own Linked In social media profiles ).

Mr. XXXX has represented himself in a hearings based on a XXXX conversation ( via voice ). In addition, the physical office reported on documents with the state of Oregon, reflect an inactive office space.