WillisBack/dataset-financial-user-claim huggingface dataset:
I was sent to collection for a vet bill. I never had the opportunity to resolve the debt as it was sent to the incorrect address. After noticing it on my credit report I contacted the debt collection agency for XXXX reasons. 1 is the amount is incorrect and 2 I had made a payment towards this bill. I have a copy of the original bill which was {$420.00}. I was put into collection for {$660.00}. I requested several times for a breakdown of this difference in the amount owed. I never received the breakdown. I was told to allow at least XXXX weeks to receive it as they have to receive it from the original creditor. I was also told if they do not receive it within 30 days the debt would legally have to be cancelled. I attempted to contact the debt collector again the last 2 days and they will not take my call. I am very upset over this as the amount being reported is wrong and my payment I made is not being reported as well. It has been well over 30 days. The original creditor is XXXX XXXX Hospital. The collection agency is Capital accounts ... .acct # XXXX XXXX.
Public Records - XXXX County Tax Lien sent letter to LexisNexis, XXXX, XXXX and XXXX XX/XX/XXXX requesting the Tax Lien be deleted as the item was Paid Off in XX/XX/XXXX and it was refused.
I had a one time service come out for pest control and that was paid. Two years later an account shows up on my credit and they contact me to start making payments. This is from the actual company and not a collection agency. I contact them and they tell me I owe {$1700.00} and scare me into making payments even though I tell them I do not know what this is, I did not want my credit affected as I am trying to buy a home. My son talks to me and I decide to contact them again because I do not owe this bill and they scare me so I make more payments. My son then has me get a copy of the contract and they send me a contract with verbiage blacked out in the body of the contract and tell me its for my protection. It also has a signature that looks similar to mine but you can tell it is not. Also the initials are electronic and I never signed any of this or agreed to it. I have called mulitple times to resolve and they are very mean and upsetting. This is affecting my credit and I do not know what to do. My son helped me dispute on credit im not sure if that will help. If they are doing this to me they must be doing it to others. Please help me I do not know where to turn next. I feel they are taking advantage of me because of my age. thank you.
XXXX addresses appear on my credit reports that I have never lived at. I have been a victim of identity fraud/theft before, and I want to make sure that my information is accurate. I do n't want to become a victim of identity fraud/theft again.
This is concerning AMEX credit card practice of charging " Trailing Interest ''. This practice charges interest on a monetary debt that is has been paid. I was charge interest XX/XX/XXXX - XX/XX/XXXX for a debt that had been paid on XX/XX/XXXX. How is it legal to charge interest on money that is no longer a debt? 

XX/XX/XXXX charge balance due. 
XX/XX/XXXX balance paid in full. ( less than 24 hrs late ) XX/XX/XXXX AMEX interest of {$69.00} was added to my account for XXXX charges. 
XX/XX/XXXX balance paid in full ( including XXXX interest charges ) XX/XX/XXXX balance was due ( but already paid ). 
XX/XX/XXXX AMEX interest of {$46.00} was added to my account as " Trailing Interest ''. 

AMEX claims this Trailing Interest is for the carrying over of a balance, but I only carried over 1 day ... ..SO HOW DO THEY GET TO CHARGE ME FOR THE OTHER 22 DAYS?
This is a followup complaint to my previous complaint XXXX. 

Regarding my previous complaint XXXX, I appreciate Freedom Mortgage 's prompt response and their acknowledgement of their error made with my account. After consulting with my accountant, the estimate of {$300.00} was lower than the actual taxes I will need to pay as a result of Freedom 's error. The property tax payment made by Freedom Mortgage on XX/XX/XXXX was {$3300.00} and I am minimally in the 25 % tax bracket for XX/XX/XXXX. Freedom 's payment error will cost me {$840.00} in extra federal taxes for the XX/XX/XXXX tax year ( XXXX x {$3300.00} ). Given that Freedom has already sent me a check for {$300.00}, I am requesting a second and final payment of {$540.00} to pay for taxes I will need to pay as a result of Freedom 's error. Please feel free to contact my accountants, XXXX, XXXX and XXXX to verify this information. Their website is XXXX XXXX XXXX and email for XXXX XXXX is XXXX. Thank you.
Acct has XXXX $ balance please delete from my Equifax and XXXX credit reports! You cant collect from a {$0.00} balance
On  XXXX   XXXX  ,2017 I wa s notified by  XXXX  that a new collection had appeared on my credit file upon investigating I found out that this item had been disputed and deleted previously. Agencies listed below   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  I never received a notice within 5 days telling me they we reinserting this information
Experian is incorrectly reporting that I was 30 days past due in XX/XX/XXXX for my XXXX XXXX XXXX auto loan. I do n't know how this happened. For years, this account has been paid off and closed and has n't reported activity since XX/XX/XXXX. Since XXXX, this account has been reported as a paid off account that was always paid satisfactorily and never late. The account number is " XXXX ''. I am attaching a screenshot of a bank report from XX/XX/XXXXof this year that shows how Experian did not have a late on this account. Somehow last month, Experian started reporting that I was 30 days late in XXXX of XXXX. I was shocked to find this out because this is incorrect inaccurate information and needs to be deleted immediately. I know this for a fact as I still have all of my monthly statements. Moreover, XXXX and XXXX are not reporting a late on this account. This is more reason to believe Experian is making this reporting mistake. I will also be including a section of a recent report which shows how only Experian is making this mistake.
I am currently in mediation with Ocwen on my mortgage. I went to a housing counselor and she helped me submit a request for modification. Ocwen turned me down because they said there were numerous credit inquiries and collections on my credit report. I obtained a copy for myself and the information they said was there is not. The only bad account, other than the mortgage, is a doctor bill. The reason that was not paid by medicare is because the doctor 's office delayed to long to submit the charges. I have one credit card and the payment is listed as never late. I also had a small loan at the bank which was paid off years ago and it states that it was never late. I do n't think they even really considered my application because i received a denial letter one week after they said they had all the information. I am XXXX years old and sometimes i feel like they think I do n't know any better so they can do what ever they want.
I wrote XXXX, XXXX, transunion on numerous times and the item still not coming off or my credit report not being updated .I sent copies of letters that my name was stolen and social security thru identity theft and I m getting repeating inquires on my credit report, I called all three companies and wrote them.nothing is better done, I do n't think its fair that mhy credit score keep going down and being damaged every time I try to clear and fix it .someone trying to keep things in my name .I disputed all the inquires and they wont take it off, The XXXX bill for {$1400.00} not off .XXXX XXXX XXXX {$490.00}, XXXX company for a car loan {$30000.00} that wont be taken off .Student loan that 's accurate and they still have the owe .I believe the credit reporting agency is out to get people and not see you progress at all .I need my credit clear up soon as possible and I would like a rapid rescore this is hinder me and my family
From XX/XX/XXXX - XX/XX/XXXX. Phones at six and seven times a day.
on XXXX XXXX XXXX I applied for XXXX XXXX credit card and I had hard inquiry on Equifax which fine and normal then I found another hard inquiry for same company on XXXX XXXX XXXX I did apply for the credit onetime and I got approved on XXXX XXXX XXXX for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XXXX XXXX XXXX. its from XXXX XXXX for XXXX  credit card cos. thanks
Had issue with Accurate Background and submitted a complaint to CFPB case # XXXX for which I received a response. They circumvented the CFPB and failed to maintain them in the loop. They are asking for clarification of the disputed information which was quite clear in my letter and they are also want further clarification to my consumer statement I want added. They provided an updated report but it fails to contain my consumer statement even though they state they placed it and forwarded to there clients. I have mailed my XX/XX/2017 letter to Accurate Background via regular mail but feel I would get a timely response if I had the assistance of the CFPB to encourage a response.
XXXX XXXX : FOR THE XXXX KICK OF THE MULE I AM STILL STANDING BY MY RESPONSE SUBMITTED TO BBT BANK AND THE CONSUMER PROTECTION FINANCE BUREAU ON NUMEROUS OCCASIONS. YOU KNOW THE ROUTINE XXXX-WHERE ARE THE CONTENTS OF MY SAFE DEPOSIT BOX! STOP REFUSING TO CHECK THE VIDEO CAMERAS ON THE AFOREMENTIONED DATES ; WHAT IS IT BBT BANK THAT YOU DO N'T WANT THE CONSUMER PROTECTION FINANCE BUREAU TO KNOW? WHY ARE YOU AFRAID TO CHECK THE TAPES? WHAT ARE YOU TRYING TO HIDE? OR HAVE YOU ERASED THE TAPES? IS THIS A BBTGATE? THE SAFE DEPOSIT BOX KEYS I HAVE ARE NOT THE ORIGINAL KEYS I WAS GIVEN! AS YOU CAN SEE IT 'S THE SAME ROUTINE XXXX!!! SEE YOU ON MULE KICK NUMBER XXXX!!!
Because of losing a XXXX I was unable to work for almost a year. I fell behind on my bills. I filed a chapter XXXX bankruptcy. I paid back everyone I owed % XXXX of what I owed! Three months early. Even my daughter 's student loan that I had signed for. Now two months after my discharged in which I thought I was debt free I get a letter from XXXX XXXX XXXX XXXX stating that I still owe MOHELA money. Apparently even though I was making monthly payments to them through court. they were charging me interest. Now they what that interest to be paid. They are charging me interest on my interest. They said that becuse I fell behind that they could " capitalize '' the interest and turn it into principal. therefor I ca n't even get the tax deduction. When I file my chapter XXXX they submitted a claim to the court for what I owed them. Why did n't they ask for the full amount then. 
it 's like a loan shark. Even after you pay them you will always owe!
Discover card is deleting records that can disprove the balances owed on their accounts. After 10 years of paying about {$200.00} a month on my account there is no reduction in my balance. I began to research this account to find out what the initial balance was as well as an accounting of how and what charges was I still paying for but was unable to find that information out because those records were inaccessible. I was lulled into trusting discover When I began this investigation I pulled up records that showed a beginning balance but no purchases only an unchanging balance. My credit limit is higher but I do n't understand how I arrived at the current balance. I saved the statements that were available at first but when I went back to review them a few days later they were not available. I reported this to XXXX. But got nowhere. For the last four years I have paid about XXXX $ a month with no change to the balance. I feel as if I am an indentured servant. Please help.
this account was open in XX/XX/XXXX or XX/XX/XXXX i made payments on the count ever month untill it was paid off. i was told the account was paid in full, i use XXXX XXXX and i noticed it was on there as a collections, try to resolve with the company with out any luck, they reported opened in XX/XX/XXXXwhich is untrue
This is a formal complain from Mortgage Brokers who are consistently tricking consumers towards obtaining Mortgage Financing on alternative forms, but the objective is only demand on a rush substantial deposits which are at the end never returned to the victims they get, with numerous excuses. 
In my situation, have excellent credit and they lied and misrepresent towards the product they offered, mainly about payments which were never requested by the Company providing those Funds. 
The extorting Company which should BE CLOSED IMMEDIATELY AVOIDING FRAUD AND MISREPRESENTATION IS CALLED Amerifund Fax # XXXX, Phone # XXXX. Name of CEO AND OWNER, A TRUE TRICKY, DISHONEST broker is XXXX XXXX, LOCATED IN XXXX. 
They stole from me XXXX, money wired to them, they didn't provide the services, lied, misrepresented, and now refuse to return the money back.
I have been paying on my student loans since mid XX/XX/XXXXand my balance has increased due to misallocated payments. I was also steered toward forbearance around XX/XX/XXXXinstead of toward a payment plan. I now have - balance of over {$110000.00} in student loans.
I sent both Equifax and XXXX a letter requesting that they verify and validate information that they are reporting on my credit report and I also requested WRITTEN validation and verification that the previously disputed items they are being paid to list on my credit file. 

This is my 3rd request and they have not sent anything to me. per federal law they are required to. As I have previously written them that their is someone else that bears my same name and the accounts that they are listing on my report is inaccurate and that a proper investigation needs to be conducted not just a letter sent to me stating that they completed the investigation and no results sent to me.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

We are requesting that they abide by the Federal Laws in this matter.
XXXX Submitted on fraud issue since Equifax ignored the reason for complaint, that I want financial compensation for Equifax ILLEGALLY freezing my account when their self serve was broken.

Today I got a letter stating that Equifax UNFROZE my account per the last complaint. They don't know what they're doing and they once again acted ILLEGALLY by removing the freeze. 

XXXX ID XXXX refused to tell me who at Equifax removed the freeze and he didn't understand the notes that are on the account. 

I had him reinstate the freeze. 

I WANT DOUBLE financial compensation for Equifax 's illegal activity on my account.
I have had a personal line of credit with Arvest for almost 3 years with no late payments. I recently advanced to just under my credit limit. Although I make my payments on time and I have never exceeded my credit limit, Arvest Bank is negatively reporting that I am over my credit limit although I am not. This is negatively impacting my credit, and it could have large negative impacts on a mortgage loan I am in the process of getting for a newly constructed home.
XXXX XXXX refuses to write a letter of each of my payment is the last twelve months they are sending a activity report. All of which prove in the last day of each month a payment was made for the exception where they held a check for an entire month in XX/XX/XXXX and sent in back to me due to no account. a complaint was filed with XXXXthey removed it only to put it back on my report and they have it noted in the system. credit tech. refuses to uses common sense and read my activity that was reported. The offer demanded that it be in a certain format.
In XXXX or XXXX there was an unauthorized payment taken from our Ally bank account. We called and closed the account. We have not used the account since. We transferred all our auto withdrawals to the new Ally account. 
XXXX they close ALL of our accounts with them and report use to consumerdebit.com When I asked them why they said that we had an overdraw on XXXX account from XXXX. I explained that the account was closed in XXXX and they needed to research their records. They refused to help me further and referred me to XXXX. I am paid a decent amount every two weeks and there is no reason an overdraw would go unpaid. They did not close that account and are now destroying my finances and refusing to review their mistake. They said they contacted us but my wife works at home and never received a call or email.
For tax year XXXX, I made an excess contribution of {$320.00} to my Health Savings Account at XXXX XXXX, managed through XXXX, and deposited through my employer 's payroll system. 

This excess contribution of {$320.00} has accrued {$0.00} of interest. Per IRS guidelines, I have until XX/XX/XXXX to withdraw an amount of {$320.00}. 

I noticed this error in XX/XX/XXXX. On XX/XX/XXXX, I provided an " Excess Contribution Removal Form '' to XXXX XXXX via email. This was acknowledged and submitted for processing. See attachment email_XXXX.PNG. 

I received no response from XXXX XXXX. I contacted them at least 3 times afterwards, and they were unable to provide me a status. 

On XX/XX/XXXX, I re-submitted my " Excess Contribution Removal Form '' ( see attachment form.PNG ). I contacted XXXX XXXX on XX/XX/XXXX, and was told that my account balance is insufficient to withdraw {$320.00}. However, my online account ( see account.PNG ) shows an available balance of {$320.00} with no pending transactions or holds. The representative I spoke with confirmed that the form I submitted was correct and that my account has sufficient funds, but my excess contribution removal was refused processing regardless.
XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX    XXXX   XXXX     XXXX   XXXX , GA  XXXX  TransUnion, LLC   XXXX   XXXX    XXXX   XXXX , PA  XXXX  PLEASE UPDATE MY PHONE :  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
GMFS does not have sufficient staff working in their loss mitigation department. Each time I call, I am told that they are having abnormally high call volume and always have to wait over half an hour to speak with anyone in the loss mitigation department. This is endlessly frustrating and a massive burden for GMFS borrowers. They should either hire more employees in the department or stop servicing more loans than they can handle.
The company CMRE FINANCIAL SERVICES , INC was contacted to resolve the matter but company refused to stop recording the conversation after being asked several times. They will not disclose information to a third party that is okay with being recorded to resolve matter. The medical bill was covered by XXXX XXXX hospital as a financial assistance program. This was sent to collections by XXXX XXXX XXXX XXXX XXXX accidentally this should have never been sent to collections according to XXXX. XXXX   informed me that once the hospital covers the bill they drop all charges, but XXXX never informed them of the assistance. I tried to inform the collection company of this several different times. Company is very unprofessional and is trying to violate my personal right to not be recorded.
I sent a letter to Equifax on XXXX/XXXX/2016 in regards to inquiries on my credit report that I have not authorize, apply for a job, credit, nor was credit granted to me. I asked for them to provide documentation showing proof of my authorization. On XXXX/XXXX/2016 I received a letter from Equifax that provides information about inquiries although it does not resolve the my concern. I also placed a fraud alert on my credit file the end of XXXX to try to alleviate anything further and I have since had inquiries reported on my file. I contacted Equifax on XXXX/XXXX/2016 to discuss my dispute and ask that they be removed since I did not authorize. I was told I needed to contact each creditor and ask them to request the removal. I have since contacted each creditor by phone and by letter. When contacting by phone I was advised that I need to send a letter so I proceeded with the letter. I have not received a repspone from the creditors so I contacted Equifax one more time to state that I contacted the creditor and that I have not heard anything. I was advised to allow additional time even though it has been 30 days with no response. I would like the inquiries to be removed from my credit file as I did not authorize them. Any assistance would be greatly appreciated.
XXXX XXXX has report a {$710.00} debt on my credit report. They did not verify any information that I have asked of them showing a contract where I was obligated to pay this debt. I no longer have service with XXXX and I do not owe any debts to XXXX, they have not provided me with any proof of debt and I disputed this information by mail within the 30 days that I received their letter. I do not owe any debts XXXX XXXX XXXX because I received no services to them and I have no obligations with them to try to collect from me.
I received a letter addressed to me about an unpaid fine relating to a felony conviction in Florida in 2002. This bill is not mine. I called the company from my work phone and told them I am not the person they are looking for. The woman on the phone apologized and said she would remove my name from the system. Two days later I received a phone call at work from the company requesting payment for the bill. I spoke to a different woman this time and I asked why I was receiving the call ; she said the woman I spoke to earlier had removed my address from their system but not my telephone number. Since they called him on my work phone, the first woman I spoke with entered my work telephone number in their system. I asked them to remove my telephone number from their system. The woman asked me for my date of birth and I refused ; I will not give out my date of birth to a stranger on the phone. I offered to provide the ID number from the bill I received ( as this was sufficient for the first woman I spoke with ), but the second woman said she needs my date of birth. I asked the woman to tell me the date of birth they have on record for this bill and I would confirm or deny that the date of birth on record was mine. She said *it doesn't work that way* and I need to provide my date of birth. I told her this is not my bill and I would not provide my date of birth. She said they would continue to pursue payment of this bill and I need to contact a lawyer for legal advice.