WillisBack/dataset-financial-user-claim huggingface dataset:
This collection agency got my medical information and should n't have. I signed statements on this account they have on file that the account was n't mine. 
They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They XXXX called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information in error. No collection agency should have been given my medical financial information. 

This company has filed an account on my credit report, even though I disputed this account, yet it stayed on my record and they continue to harass me every day.
In XX/XX/XXXX XXXX XXXX was listed as a participating provider with XXXX  XXXX/XXXX. Each yr. when visiting he office I provided my ins. ID card. As a participating provider I should not have been balanced billed for my visits. After being reported to another collection agency in XX/XX/XXXX I contacted XXXX, explained the situation, and completed a complaint form. I advised XXXX that XXXX XXXX ' office never stated that they did not participate in XXXX as indicated on my ID card. XXXX XXXX ' office has submitted my information to 2 different collection agencies for 2 different amounts.
I have recently obtained my credit report, and I have found fraudulent account OFFICE OF THE ATTY GEN #  XXXX
XXXX was paid by XXXX now they are out of business XXXX which i still have and never used have 2 collections on my credit score
Around XX/XX/2016, Best Buy/CBNA reported to the XXXX Credit Reporting agency that I filed Chapter XXXX bankruptcy against account XXXX and account XXXX. I HAVE NOT FILED BANKRUPTCY. After many hours on the phone with Best Buy credit card customer service, it was investigated and my account was re-opened. However, this morning ( XX/XX/2016 ) I received an alert from XXXX Credit Reporting agency that they have reported, yet again, that I have filed bankruptcy. I HAVE NOT FILED BANKRUPTCY. I am at my wits end of how I can get them to stop reporting this erroneous information on my credit report. I am trying to rebuild my credit and this is very damaging. Last month, I attempted to refinance my vehicle and was denied. Best Buy refused to provide where they are getting this information from so I could contact the lawyer, court or whomever provided this information. Please help. I can not afford an attorney but if that 's my only recourse, I will certainly hire one.
I went thru the process of deed-in-lieu win XXXX. My house was financed with Greentree Mortgage. One department would tell you to make your payments or your deed in lieu would n't be approved. After several months of this, I found out that was not true and my credit was ruined anyway. I could have saved the money and fed my kids. So in XXXX XXXX, I received a XXXX. The tax accountant filed and I thought I was done. Then on XXXX XXXX, XXXX, I received a XXXX from Ditech Financial for XXXX. First, is the deadline to send not XXXX XXXX? Now I have to go back to an accountant and pay additional money to amend a return. I do n't understand why it took them so long to send and why I keep losing money after the shame of having to give my house back due to a horrible divorce.
I have been over sea with my company from XX/XX/XXXX- XX/XX/XXXX and I have a credit collection company Phoenix Financial Service trying to collect a debit from XX/XX/XXXX for {$1200.00}. I was not even in the country to incur a debit.
I am writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX  ] Account Name : NATIONAL CREDIT SYSTEM- XXXX XXXX XXXX XXXX   XXXX  NATIONAL CREDIT SYSTEM- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
XX/XX/XXXX - {$350.00} deposit sent via XXXX ( TD Bank to XXXX XXXX to XXXX ) to XXXX XXXX in exchange for XXXX puppy to be sent from Texas to New York. 
XX/XX/XXXX - {$500.00} balance sent via XXXX ( TD Bank to XXXX XXXX to XXXX ) to XXXX XXXX XX/XX/XXXX - Received email from XXXX asking to send {$1000.00} cash in order to send the puppy in the correct size crate because the breeder 's was too large. This would be a return rental feeI that would be returned upon the receipt of the puppy and the return of the crate. I did not feel comfortable as not only was this not in my contract, but a legitimate breeder should know what size crate they need and on top of that the email was completely grammatically incorrect and used the same verbiage as the breeder. Suspecting a scam, I advised the breeder to take care of it as it is his business and this was not in my contract. He said he did not have the money which was another red flag, as an adult and a business owner you should have {$1000.00} cash or furthermore, why does it need to specifically be in cash? I immediately asked for my money back. The breeder pleaded with me not to cancel and I started getting calls from XXXX who were clearly no such company as they barely spoke english and had no business etiquette. They did not even understand when I asked to speak to a manager. I even called the XXXX XXXX XXXX XXXX International Airport asking if there really was a dog sitting in a crate and there was not. I found the real XXXX in XXXX and forwarded them the email asking if it had any affiliation which it did not and they agreed it sounded like a pet scam. After much back and forth, XXXX was shut down and I knew I had been scammed. 
XX/XX/XXXX I went to TD Bank asking to fill out a fraud complaint. They denied me and said there was nothing they could do. I knew that did not make sense as if the money had just disappeared or if it was a credit card they would have to do something. 
XX/XX/XXXX Reported an Internet Crime Complaint & also reported it to the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Filled out a police report with above information XX/XX/XXXX I went to a different TD Bank branch and they were very upset that the other branch did absolutely nothing to assist me. They helped me properly fill out a claim and advised it could take months and to check in after XXXX if I didn't hear from them first with further questioning. The report did not let you include much info, so they advised that when I received a call I could add information such as the police report that is vital to this whole claim. 
XX/XX/XXXX I called TD to check on my claim and add all the important information such as the police report, Internet Crime Complaint, and XXXX XXXX XXXX XXXX XXXX XXXX complaint. They said the case was already denied and closed on the XXXX. They claim a letter was sent but I have received XXXX communication from them. They advised I was misinformed in the branch that this could take months and I would be contacted, they said they've never heard of that and all cases are resolved within 7-10 business days.
In XXXX when I lost my job I got behind on my student loan at XXXX/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by XXXX when I made 9 consecutive payments. I was also told that the 120 late finding would be removed. I made the payments and then the loan went back to the regular lender. However the 120 late fee was never removed after many requests. Finally in XXXX the loan was consolidated by XXXX. However XXXX still will not remove the 120 late fee. Recently, while checking my credit report I saw that XXXX XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same time?
Chase Credit Card : Below are the XXXX amounts outstanding on my Chase Credit Cards. The credit card ending in XXXX has had a 0 % interest rate offer on balance transfers for a year. I 've contacted Chase numerous times this month requesting to combine both credit card balances, ( each with interest rates of 15 % + ) on to the 0 % offer, speaking to Supervisor after Supervisor ; however, each occasion they would not allow me to transfer within the company. Stated " it 's against policy. '' I came to the solution of contacting the White House, because this policy is not fair. 
CREDIT CARD ( ... XXXX ) Account Summary Current balance {$7900.00} CREDIT CARD ( ... XXXX ) Account Summary Balance last statement {$2300.00}
XXXX XXXX I was forced to sale my home due to hardship related to divorce. I entered into the loss mitigation process XXXX with an offer, but Freedom Mortgage continually delayed the process, lost documents, and eventually caused XXXX buyers to back out over 5 months. Finally, I received a cash offer, but still it took several months of back and forth to Sell the home. Following the sale of the home XXXX XXXX Freedom Mortgage continued to notify the credit bureaus that I am past due 180 days. This home had multiple offers, would have sold multiple times, and even after it sold I continued to get threatening letters regarding property insurance on a home I no longer owned. Freedom Mortgage has no accountability and their departments lack communication that sets up consumers for failure. 
Their loss mitigation process is not transparent, their customer service department lacks customer service ( Multiple complaints filed with no response ), and they have made no attempt to work with me to resolve this issue. I submitted my complaint to the XXXX with an evidence file that clearly articulates the issue with time stamped evidence, but the response completely avoids the evidence presented and only points out a poorly drafted timeline that omits their continued failures questioned in my complaint.
Single mother w no help. Fell behind on payments. Called multiple times to get hardship or to settle account. Constantly told i do not meet criteria even though i have no employment
Several years ago I had a balance of {$2000.00} on a credit card. Due to life issues I ended up not being able to pay and then honestly forgot about it as there was no contact for years. About a year or two ago they drained my entire bank account and sent me info saying that I now owed {$7000.00}. I understand that this was my debt but that 's just crazy. I have now paid off $ 3000+ of it which seems more than fair in my opinion. However they are still asking for $ 4000+, 200 % of the debt.
on XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated and verified. I got an unsatisfactory response to my request on XX/XX/XXXX which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), they may be liable for their willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX XXXX and XXXX.
In XX/XX/XXXX I applied and was approved for a Navy Federal XXXX XXXX card with a limit of XXXX. I also was informed of a promotional offer of XXXX bonus points if I spent XXXX or more within 90 days of my account opening. I followed all instructions. I was followed up on several occasions to XXXX XXXX via Telephone conversation at the Credit Card Contact center as well as via the XXXX XXXX XXXX in XXXX, CA. I was assured on many avenues that the points would be posted to my account and that I just needed to allow 6-8 weeks after the 90-day period from account opening. As of today, I still have not received those bonus points on my account. I spoke with a Navy Federal Representative on XX/XX/XXXX who stated he would be opening a case for me to have those bonus points credited to my account. That representative never created a case for follow up. On XX/XX/XXXX I was advised I was not eligible for the bonus offer. I spoke to many people including XXXX a supervisor and was told that they would not do any additional research on my request except as for the department to make an exception for points which would probably be declined. I asked XXXX if she reviewed all my phone calls from the start of my calls to Navy Federal ( First call being on XX/XX/XXXX. She stated she reviewed the last five calls and unless I gave her a specific date she would not spend any more time ) As a valued member of Navy Federal Credit Union I'm very disappointed in her lack of support for resolution. I know that I was told on several occasions and assured that I was getting these points. I was also led along. Never once in my interaction until today XX/XX/XXXX was I told I was not going to be eligible for those points. 

I'm also disappointed that a manager level employee at the Bank would not be willing to do the right thing and research my calls back to 1XX/XX/XXXX to find the conversations that I was lead on by the bank. I felt as her lack of understanding, making comments that she has done enough research and spent enough time that she was ultimately calling me a liar, and presuming that I had a false claim about being misled about these points. 

Here are the following dates I had conversations with Navy Federal.  This data is coming directly from my carrier. I'm still working on getting call Data from XX/XX/XXXX to present to cite in my complaint. This will be available in the next couple days per my Cell Phone carrier. 

XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX {$0.00}
Hello.my name is  XXXX   XXXX .i send it the amount of {$250.00} for my sister in my country and i was very specific with the lady whoever attemp my phone call than i want to my sister got the money in the window of the bank.but she did everything wrong.she put the money in  one account th an l never mention to her.my sister has to go two times to the bank.to try to got the money.and they told her than there is no money.available.that peace me off.because the has to waist ther time for no reason..this comp i s Ria  XXXX
this company use to be castle payday loans now it is Big Picture Loan. They do not tell you how much interest til you are approval for the loan in documents. Did not read the fine print. Interest for XXXX for the first XXXX payments XXXX is interest does not go toward the loan at all. the payments are differentXXXX is the finance charge and when loan is pay off it will cost be {$8000.00}. They never talk to you on the phone. approval over the internet. what can I do? I already have pay XXXX payments of {$310.00}. I got scammed and I do not want more people to be effect with this company when you really need money should be a easier way and not cost fortune.HELP!!! loan number is XXXX.
I reached out to the XXXX XXXX XXXX requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the XXXX XXXX XXXX I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus
There is an account listed under closed accounts on my report. XXXX 's, accct # XXXX. I have disputed this acct numerous times and everytime it comes back the same. They do nothing to correct it. 
This account is listed on my report under CLOSED accounts, and Charged off. 
Yet my report shows a balance of {$240.00}. If this account was charged off, the bal should be XXXX. 
Also if it is Closed, How can it show a past due balance?? As of this moment in time, it says I have a past due balance of {$80.00}. 
And I would like to know what the difference is between a status update? and a Balance update?? 
This account is also NOT a unsecured loan. It was a revolving account. A retail credit card. XXXX is a department store. 
I have one more question. Why does my payment history ONLY show the negative marks?? If you look at my payment history, it says no info available, accept at various spots .. where it says in delinquency. Like I said, I have asked more than 5 times, that this account be corrected. I also think it is interesting that this creditors contact information states ... BY MAIL ONLY! So I can not call them???
Approximately 4 months after purchase a new home and receiving a first mortgage loan, I attempted to " recast '' my monthly mortgage payment by making a large payment of principle ( {$60000.00} ) and a recast fee ( {$300.00} ) in accordance with my loan documents. The recast request along with my payments were made on XXXX/XXXX/16. The recast has not been processed to date despite my numerous inquiries. Now the mortgage has been assigned to another servicer on short notice ( approximately 15 days ), again without any acknowledgment of the recast being completed. In calling the current ( and soon to be former ) servicer I have been given a variety of excuses and promises on the progress of the recast. Being able to recast the loan and adjust my monthly payments without a prepayment penalty ( once my prior home sold ) was part of the inducement in doing this loan and the failure to do so appears to be a material misrepresentation.
In XXXX I left a company, and several months later a collection agency contacted me stating that I owed {$26000.00}. After several months and years of contact, no contact, could n't figure out where the debt sat, I was served with a lawsuit in XXXX XXXX. However, I hired a lawyer, he demanded verification of the debt. When we received that, it was a man made excel spreadsheet with many many errors, including duplicate charges with different amounts, overlapping charges, as well as the amounts did not sync with their claims. It was eventually taken before a judge and the judge dismissed the claim in CA court. Now the statutes of limitation has ran out, but they refuse to take it off of my credit report ( they said in XXXX XXXX it was n't on there, but it has been there since XXXX XXXX. ) They keep telling the reporting agencies that instead of resolving this, I need to call them. However, the contact uses very threatening and intimidating language and tactics and I am not comfortable doing so. Even my lawyer was shocked at how aggressive and threatening he was. 
Also, they accessed my credit report without my consent or knowledge.
i went and see my credit report online on Credit Karma and I 've seen a lot of bank accounts that someone use my social number and open them. I just need all of them to remove from my life. I can list all of them for you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is all the accounts that i have never regonize. i really need them to dispute from my credit reports.
Dear, My name is XXXX XXXX XXXX, I had XXXX USD master credit card transaction with the XXXX on XXXX/XXXX/2016, which is an unlicensed binary option brokers. 
XXXX XXXX who is from XXXX contacted to trade for XXXX. I lost everything. 
So, I had opened the dispute for the charge back from the XXXXCredit XXXX ( Capitalone ) against the XXXX. 
The reason is that merchant is failed to performance service described according to master card charge back code XXXX. 
I provided all of XXXX Chat Script and the script are showed how I lost my money. But XXXX said the chat script can not be used the evidence, and they closed my dispute. 
I would like to reopen the dispute and get the money back from the XXXX XXXX.
I borrowed XXXX. One main is reporting XXXX to the credit bureaus. The larger amount includes interest for the full term of the loan 54 months. I contacted them and they said it is a requirement by law, i explained that this was hurting my credit. I would like to have someone make them change the amount to the {$8000.00}
Our home loan, formerly XXXX, was sold to Green Tree. Bought our house in XX/XX/XXXX. Refinanced in XX/XX/XXXX. Ever since has been a nightmare. Last year - we were late on a payment due to my husbands seasonal lay-off. I was harassed at work - rep from GT told me if I did n't identity myself - the account would be locked and they would n't accept a payment. 
This year, we are a month late. Called several times for options - shut down every time. Threatened with Credit Score dings. Harrassed at work. Now I am expected to come up with {$1900.00} XX/XX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX mortgage. They will not accept 2 week payments for each month. Have tried in the past. Was informed the type of loan we have does not allow comprising. Left a horrible message on our home phone - asking if anyone was still residing in the home. This was due to getting tired of being treated like dirt by whomever I was lucky enough to talk to. We have a great payment history. Now for the first time, when we need help, we are treated like scum of the earth. I 'm beginning to wonder if they hate all Americans in general. 
After talking to a XXXX XXXX about the payments in XX/XX/XXXX, he stated that the harassing phone calls would stop. Guess what, they have n't. They called again this afternoon.
VA paid for an emergency visit. For service connected vet the credit people post the debt as the vetransand shows collections .same with forgivin student loan. Shows serious delinquintcy in all XXXX cases and ruined credit. The student loan is 15 yrs old the originators of the emergency debt even wrote a letter requesting it to be taken off with no avail. Help
On XX/XX/2017, at XXXX am ( XXXX ) I received a call from someone asking me to provide my attorney 's name because I 've been sued for a debt. I asked who he was calling on behalf of an he stated he was calling from Weinberg Mediation for XXXX. He woke me up from sleep, as it was so early in the morning my time, and I told him that it 's XXXX am, why are you calling. I also said I 've never heard of the company or owe a debt he was speaking of. I asked him not to call me on wireless, and hung up. At XXXX pm ( XXXX ) the same phone number called again XXXX, but I was at work so I did n't answer. The same number called again at XXXX pm ( XXXX ) and left a detailed message with part of my social security number on the voice mail. On my lunch break I called the number back and asked them why they are calling me. I told them I do n't know what account they are talking about and please stop calling my wireless. The agent hung up on me.