WillisBack/dataset-financial-user-claim huggingface dataset:
This bill with XXXX XXXX was reinstated on my credit report XX/XX/XXXX. I have proof it was not on my report before. It had been removed several years ago. After it was removed it was sold twice. Stellar recovery is now reporting it as XXXX, I disputed the original amount when on report. It was XXXX. I had turned in equipment and they never fixed balance. XXXX is ignoring this as I have credit report from them in XX/XX/XXXX and this is not on my report. I 'm attaching all evidence. They are not investigating and are just closing case.
On XX/XX/2018 I received a call from XXXX XXXX XXXX about a bill from XXXX. XXXX XXXX who represents XXXX had mailed a bill to my wife and I stating we owed {$880.00} to our address at that time. Since then we have changed addresses. My wife was wondering about the bill emailed XXXX XXXX of XXXX to find out what the charges were for. On XX/XX/2018 XXXX XXXX emailed my wife XXXX back that he would send a statement. This statement did not arrive until XX/XX/XXXX. XXXX XXXX had my wifes email address, work phone number, and cell phone number. XXXX XXXX neglected to let us know about a bill and sent it to collection. He had our address and since we didn't receive anything from Mr. XXXX we believed Mr. XXXX had made an error. XXXX XXXX XXXX had it on XX/XX/2018. Finally after 54 days I received a phone call from XXXX XXXX XXXX. Since they contacted me on XX/XX/2018 I have not received any correspondence from XXXX XXXX XXXX. XXXX XXXX XXXX had called and I had told the XXXX XXXX XXXX once about my present address. How many other people has this business turned people over for collections and not send anything out to people. This company I feel maybe deceiving others by their actions.
XXXX XXXX agreed to remove collection from file if I paid bill in full. They agreed to report it to all XXXX Credit Reporting Agencies. XXXX and XXXX removed with no issue in 7 days. Equafax refuses stating that they have recieved no such request. However, they lowered my score because I paid debt. I also paid off auto loan and personal loan. XXXX and XXXX both show correctly. Equafax does not. Equafax lowered my credit score for paying both loans off and used excuse that deliequent bill caused problem. I gave Equafax all info including email on XXXX telling them to remove bill. Equafax refuses. This should be illegal to do harm to someones credit for paying off loans and Bills. Also, persons on phone are outsourced to XXXX and had difficulty understanding my issue. Person became angry when I requested they correct their error. 

XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
I got a new credit card in XX/XX/2017 with citicards. I signed up for Autopay. For some reason, the Autopay did not go through. Neither citibank or my XXXX XXXX XXXX could figure out why it didnt go through. 

But, Citibank charged me a fee and then my credit score went down. 

I called citibank and they said to make a payment and fax a letter to citibank credit reporting Dept. I did that, but now citibank cant tell me anything about receiving the letter. 

Now my credit score is very low, and it wasnt my fault the payment was late. It was a bank error, not my error. Need help.
i disputed item is showing as a tax lien judgement and has been paid for years and shouldve been removed
Transunion, XXXX and XXXX are all reporting that I owe a student loan when in fact this is not true and the statue of limitations are expired which is 4 years in the State of Texas. I have sent multiple letters to ask them to verify the " unverified '' information in which I was told that they have investigated and it is in " fact my account ''. This is untrue and incorrect and I need them all to delete this incorrect information from my credit file. I can not get a mortgage for my family because of their error. What upsets me is that they can put incorrect information and say they " investigated '' when I know for a fact that no investigation was done and no proof or wet ink signatures were sent to me. I do not have an MPN for the loans they have on my file. So they need to remove this within the legally allotted time frame which has increasingly expired. I understand that XXXX and others have been sued for reporting incorrect information on peoples personal credit reports and I want my name added to that bunch. I do not want to go to court and sue the 3 credit agencies and XXXX XXXX XXXX XXXX for their mistakes.
Speedy Cash XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Pay Day Loan Company ( Cheating the Poor out of their money ) I took out an loan, and was unable to pay. The company refused to take payment. 
Transferred the Pay Day Loan to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I was told to make payment arrangements, However when I call XXXX XXXX XXXX XXXX, they refuse to set up for me to pay at the Speedy Cash Location in XXXX, Tennessee. 

I have been trying to make payments since XX/XX/2017, to make payment at the Speedy Cash in  person, this company refuses to set up payment arrangements. 

I request that these type of companies hurt the community, and poor peoples credit scores! They over charge all minorities, and the white people get charged less rates on an dollar. This business should be closed, and ran out of town!
I opened a line of credit with XXXX XXXX XXXX with TD Bank. I have since made two payments to them. My bank is rejecting the payments because they are not recognizing the creditor as a legitimate creditor. I have since called my bank and asked them to allow payment for this line of credit. TD Bank, who holds the line of credit, has since charged me fees and filed against my credit. I have made multiple calls to them and made every effort to pay them. They have told me they were going to have a supervisor contact me multiple times and I have never received a call back. They have agreed to remedy the credit issue to ensure that this has no negative impact on my credit and now I can not even get them to give me an update. It is a never ending list of them asking for more information and then never getting anything done. I have spent hours on the phone and been treated terribly by them. I am seriously concerned that TD Bank has no interest in helping me and I feel like they are ignoring the issues to attach additional fees to our account. Please help us as it appears TD Bank has no interest in helping. What options do we have?
2 years ago i XXXX XXXX XXXX XXXX a Bankruptcy and my loan. now every time my brother applies for his own credit he gets denied because they see my history i wan na know if its our social security thats mixed up or our names.
Used a Chase ATM to withdraw {$700.00} from debit card. Chase ATM did not dispense cash " This device has experienced a technical problem ''. However the money was withdrawn from my account. Chase branch was very unhelpful and told me to settle with my own bank, but my bank says Chase has my money! Chase continues to be unresponsive and unhelpful. Details of transaction below : XX/XX/17 XXXX XXXX XXXX # XXXX Card # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA Term ID XXXX Sequence # XXXX
My checking account was overdrafted on XX/XX/XXXX for a small amount ( $ XXXX- {$15.00} ). On XXXX of XX/XX/XXXX I had a deposit made that more than covered the deficiency. Chase proceeded to charge an overdraft fee of {$34.00} for the small ticket item, and refused to reimburse me. 

This is usurious, first off - {$34.00} ticket for a $ XXXX- {$15.00} deficiency that extended for less than a full business day??
I previously disputed items which you verified as accurate. However I asked in writing XX/XX/2017 to please provide me with your method of verification, I asked for the following information in accordance with the FCRA. 
1. copies of any documents you used to make your decision, including electronic correspondence of all types. 
2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information received from that data. 
3. the name and job title and contact information of the individuals you contacted at the data furnisher. 
4.the name and job title and contact information of all employees within the organization that played a part in handling the dispute. 

you have failed to provide valid information and method of verification and I ask that you delete these tradelines immediately
I 've tried for many years explaining to them how I could not afford my loans after college and they kept changing programs on me. I went from owing XXXX to now owing XXXX and my payments have tripled and I really ca n't afford them now!!
Last summer sometime aroundXX/XX/XXXX I began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with XXXX and the disputed accounts were XXXX XXXX XXXX for {$260.00} and {$200.00}. Debt Recovery Solutions for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just having a baby XXXX XXXX and not checking my report for a while but inXX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from XXXX that these accounts were deleted.
I am writing to you again because my attempt to communicate with TransUnion resulted in the message " Session Expired '' while I was still completing their form. 
As previously noted in your case number XXXX, I wrote that a fair resolution to this issue would be for the company TO EXPLAIN IN SPECIFIC DETAIL OF HOW MY FICO SCORE DROPPED FROM XXXX to XXXX IN TWO MONTHS. 
I have carefully reviewed the company 's response to me, and I can not find an answer to my question. 
I trust you will agree I need to know exactly what happened during that XX/XX/XXXX-XX/XX/XXXX period to avoid future dramatic decreases in my FICO score. 

Thank you for your help in this matter. 

XXXX XXXX XXXX, FL.
1. Accounting practices at Roundpoint MTG are unbelieveable 2. The accounting has described my Storm water tax as a : MUD/Utility Tax Disbursement b : Ground Rent Disbursement. They keep on changing this in their accounting system 3. They have successfully sent the payments in once before to the tax department without problems, however this time then sent my payment to the tax department with some other XXXX and loan info and incorrect address to the tax department. The Tax department by law could not accept the payment as they had all the wrong information associated with the payment. 
4. I called the Roundpoint Mortgage to advise of this and the Customer Service rep said she would put a note into my account and it would take 3 to 5 days to resolve this. I gave them 6 days and called this morning only to find out from the Customer Service person, that they tried to call the Tax department on XXXX XXXX 2016, and the phone was disconnected. I called the Tax department before I called Roundpoint Mortgage ( they still have not received my tax payment ) and the number was working just fine. 
The Customer service person said that he could not find the phone number to the Tax Department, and I explained that the Tax Department sent you the same Notice that they sent me, and the Phone number is printed on the front of the notice very clearly. I then gave him the phone number. He said he would make a note of this in my account. 
... 
So now, my taxes are delinquent because Roundpoint Mortgage sent my money to the tax dept with the wrong info. I have called twice to Roundpoint Mortgage and they say that they are going to handle this, which apparently they are not and Customer Service reps keep telling me that they will make a note into my account. While this goes on, I am being charged interest on my taxes daily until they are paid. 
This mortgage company is supposed to be paying my taxes through my escrow account, which seems they ca n't even do this correctly. 
I have attached emails from the Tax Department, my Tax notice and a screen shot of the activity on my mortgage where you will see the lousy accounting. 
I have bought and sold XXXX houses in my life and this is the worst mortgage servicer I have ever dealt with. 
PLEASE HELP! 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
On or around XX/XX/2018 I spoke with an Amex representative on the phone, who told me that ( despite being a previous delta skymiles cardholder ) I would qualify for signup bonuses of XXXX skymiles and XXXX skymiles for the XXXX XXXX and Gold Delta credit cards respectively. Additionally, I would also receive statement credits of {$100.00} and {$50.00} for the XXXX  and Gold cards respectively. In order to receive these promotions, I needed to meet minimum spending thresholds on each card, which I did on or around XX/XX/2018. However, after several months without seeing the statement credits or point bonuses in my account, I began calling XXXX to resolve this issue. My first call was on or around XX/XX/2018 with repeated calls about once per month until the present date. On each call, I was told that my case was still being examined but I was told that it sounded like I should have received these promotions. Today, I made a final call and was told that my case was denied and I would not be receiving my promotional offers. 

I feel that I have been taken advantage of by Amex and was mislead into applying for these two credit cards and paying {$190.00} in cardholder fees, only to be denied the promotions I was promised. Until now, my attempts to resolve this issue with Amex have been unsuccessful and I feel powerless to hold the company accountable for the promises they made me and for treating me fairly. This is why I am filing this claim to receive the support necessary to make my case right and receive the promotion that was promised to me at the beginning of this year.
This company has never contacted me through written correspondence. They have place this account on my credit report regarding a debt that I do not owe. I was never provided any details as to the authenticity of this account because none exist. I believe the creditors are partaking in fraudulent activities as this is an unauthorized account. I have disputed these accounts with XXXX, it came back as verified. This debt is invalid. Every member of my household has had Medicaid for the last 8 years which pays 100 % of ALL medical cost.
Good afternoon, My name is XXXX im having various issues with my mortgage company " Freedom Mortgage '' this is the second issue with them I paid them {$1600.00} on XX/XX/2017 now their stating that they never received the payments I show them my bank statements and had my bank send over the proof the took the funds out my account..Now they keep calling me asking for the same paperwork they have in systems.. I 'm starting to think someone for the company has been stealing my payments so I call lose my house ... I 'm a fairly new homeowner it 's been a rough year dealing with Freedom mortgage ... They are creating a hardship for me and my family it 's been a long year now going back and forth with them about money ... Please please help me
they keep on calling my friends telling that they are XXXX court and I have a case and even said they are the pollice officer giving a friend of mine case number.
I was checking my credit report and saw a notation that a debt collection agency had been added to my report. Diversified Consultants had submitted a report I owed a debt of {$34.00} to XXXX. I was never notified by XXXX or Diversified of this debt. I was never given the opportunity to pay or dispute the charge.
I recently noticed a pattern of random accounts appearing in my debt collections on my credit report. I have had a number of accounts that appear to have a very similar sequence of a time frame in which they were established. I did not authorize nor do I have knowledge of how these accounts were opened without my consent. I am not sure of how someone could have obtained my personal information in order to conduct such activity. This appears to be a case of identity theft and I wish to address this matter immediately. The debt collection states on my credit report that the original creditor was XXXX but mind you I did not have service with that company during the time of this frivolous occurrence.
DT XXXX XXXX ( DriveTime ) financed my XXXX Jeep Liberty from XX/XX/XXXX to XX/XX/XXXX after which I fully purchased the vehicle and have title in hand, has begun reporting this as a " Repossession '' negatively to all XXXX major credit reporting agencies - significantly degrading my credit score and reputation. This may even impact a pending career promotion. See case number : XXXX that references me purchasing the vehicle and their delay in providing me the title due to a new documentation system. I find this distressing that they continue to cause me inconvenience now bordering on harassment by reporting this as a Repossession. I can provide, both " Release of Lien '' and " State issued title '' without lien holders as proof of my position and claim.
Paypal closed my account with a {$1000.00} balance. They have said that they will take 180 days before I will receive my money back, which seems outrageous.
The company is not properly reporting my on time payments to all three credit reporting agencies. They do not report my payments or even that I have a mortgage with XXXX. Ditech currently reports my debt to be reaffirmed after Bankruptcy to XXXX and XXXX. And per Bankruptcy laws and FCRA my monthly on time payments need to be reported as such to all three credit bureaus.
I have a couple hard inquires on my credit report that I have not inquired about and I am not sure who did. The first is labled " XXXX  & XXXX XXXX '' dating back to XX/XX/XXXX. The second is labled " XXXX '' dated XX/XX/XXXX. The last is labled " XXXX XXXX '' dated XX/XX/XXXX. I have no knowledge of any of these inquires and would like these removed from all of my credit reports.
I am a victim of credit extortion originating from a company called XXXX. They were connected with a collection agency called Fidelity Information Corporation. FIC has recently ceased operations and has since turned over collections to another collection agency called Fidelity Creditor Services. For a small fee of less than {$25.00} Olddebts.com allows unscrupulous individuals to submit an online claim of debt for any amount desired requiring no proof of validity, how the debt was calculated, or verification the right person is being reported. XXXX states they are not a collection agency. They were however represented by FIC who reports a negative to the CRA 's. All requests for validation made to FIC or FCS are ignored. The consumer is left with no recourse other than conventional means to combat a virtual debt that does n't actually exist. The CRA 's will only accept an automated electronic response from collection agencies to their investigations. Any proof from consumers to the CRA 's of FCRA violations made by collection agencies are not accepted. Fidelity keeps knowingly perpetuating a false claim while holding my ability to obtain credit as hostage. Any and all requests for validation made to Fidelity are ignored. In my case they are unable to produce proof because the debt never existed. The website Olddebts.com clearly states they do not require any validity of debt from their clients while ensuring negative claims against innocent consumers are reported.
In XXXX, I applied for unemployment in California, they issued a debit card from Bank of America, on which I would be receiving my payments. I finally applied for my tax return in XXXX, the amount of payments that XXXX in California said that I was suppose to receive is in conflict with what I actually received. Asked Bank of America three times to e-mail me the print-outs for XXXX of the deposits made by XXXX unemployment in California to my debit card. This is time sensitive because the IRS has given me certain amount of time to straighten this problem out. The first e-mail I received was only for XXXX XXXX deposits. Called Bank of America again, the second e-mail the print-out was compressed, could not make out what was a deposit or purchase or anything, called Bank of America one more time, they said they would send out the e-mail, did not receive the e-mail. I need this information as soon as possible that I may make sure that the deposits the unemployment made are the same with the records what I have to be able to do my tax return correctly for XXXX. Would like to receive a phone call when they e-mail this information for the fourth time. Thank you.
I am beyond exhausted trying to have this problem solved with this company called XXXX XXXX XXXX in connection to XXXX XXXX XXXX. XXXX XXXX XXXX has been calling me threatening me and harassing me regarding a debt I had no knowledge of. After doing extensive research with the hospital I discovered that this debt that they are oppressive about and verbally abusing me for is an account for my underage daughter. ( Under XXXX years old ) This debt that they are claiming that I owe I had insurance that covered that medical visit. XXXX XXXX XXXX has called my workplace, my child 's School Camp, my neighbors and references that were listed on our medical sheet!!! They have called everyone who we'd known at this point except our family pet dog. At this hospital visit I sign a HIPAA form Privacy Act document. XXXX XXXX XXXX has violated our family rights in so many ways that we're ready to sue. At this point this is my last attempt to have this resolved and closed and removed off of my credit reports. I need XXXX XXXX XXXX to provide me the coordination of benefits sheets that provides all the procedure codes and the XXXX code sheet with an original signed document from me the parent of an under-aged child method of verification for this debt. I have currently opened disputes with all the credit bureaus regarding this collection that they have reported falsely on my credit report. I have filed complaints with the FTC and the Better Business Bureau about this and openly willing to share this experience with the media regarding this false reporting. I've called them on several occasions to resolve this and all they have done is yelled at me and oppressed me. I requested that they cease and desist the phone calls and letters they've been sending uncontrollably and they have violated my rights by continuing to communicate with me and this has made my child miserable!! Should they not remove this off of my credit reports I will sue for defamation, Financial injury, and willful injury under the FCRA section 623. I have supporting documents and proof where they violated my rights which I can sue under the fdcpa section 805 ( C ) regarding my cease-and-desist letter. XXXX XXXX XXXX   needs to immediately delete and remove this collection account off of my credit reports otherwise I will move forward with taking legal action against them. XXXX XXXX XXXX also doesn't own this debt and have also violated under the credit laws which were updated XX/XX/2018 regarding Medical collections under the HIPAA Privacy Act. XXXX XXXX