WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, I disputed a XXXX Bill for payments made to the account that were not credited and for undefined charges designated as " other. '' I sent via fax proof that payment was made and that the balance XXXX claimed was due was incorrect. 
After many attempts to get XXXX to define the charges and correct the bill, my service was discontinued and I could not access my account in order to get bills and other information to dispute the charges, but do have several key bills that were disputed. 

I sent a Debt Verification Request that was never answered and offered to settle the account with the stipulation that there be no negative information be added to any credit report. 

On XXXX/XXXX/XXXX, I received a letter in the mail from " XXXX XXXX XXXX '' claiming to be collecting on behalf of XXXX. I assumed the payment would go to XXXX, but apparently it did not. 

I was not aware that XXXX sold the account without notice and while the amount owed was disputed before verifying the debt. I noticed on my credit report a new debt opened that I did not recognize named Amsher Collection Services. This is when I realized the payment I was led to think was going to XXXX, was in fact not. 

The amount reported to Amsher Collections was incorrect and over the disputed amount. 

I thought I was paying XXXX. The agreement was that all negative information be removed from all credit reporting agencies or any specialty credit/information agencies and it remains on my credit report. 

Apparently, there are others who have had similar experiences with both XXXX and Amsher.
The collection firm is Nelson & Kennard operating out of XXXX, CA. 

I initially discovered something was wrong when I logged in to my bank account and discovered that my balances for checking and savings were zero. Upon looking at my transaction history, I discovered that my entire balance on both accounts had been taken out on a legal order. 

Upon contacting my bank, I was given a phone number which led me to the aforementioned firm above. They told me that I owed a debt of around XXXX XXXX dollars to XXXX for a car purchased back in 2004. I am only XXXX XXXX XXXX and would have been XXXX at the time this vehicle was purchased. I tried to explain this to the firm and they asked me to send them images of my driver 's license, social security card, and to write my signature five times. I did all of this and they still told me that I would have to wait for a fraud packet to be mailed out to my house so that I could fill it out and mail it back before they could take the " next steps. '' I do n't understand how they could have pulled all of my money out of checkings and savings for a debt that I have clearly proven that I could not have even accrued. I do share a similar name to my biological father, who left my family when I was young and has been known to try and use my name in the past ; with the only difference being that I have XXXX as my suffix. I do n't see how it is even legal for this firm to have withdrawn all of my money without even notifying me of it first. 

On top of that, I still have bills due that I am now unable to pay because of this debt that is not mine. My account balance has already been thrown in the negative and on top of that, the firm also appears to have charged a non-refundable {$120.00} legal fee which is absurd. There is no reason for me to not be able to get that fee back when this is not a debt that is mine.
I was on contacted on  XXXX   XXXX  at  XXXX    XXXX   from a representative for  Professional Credit Management  (  XXXX  )  XXXX   XXXX , AR about a medical debt. I informed  PCM  that I am not responsible for said debt, that I have a court order from my divorce settlement stating any prior and future medical bills for the children are the responsibility of my exhusband. It was then tha t PCM  told me they do not pay attention to or obey court orders and I was responsible and would be reported to the  XXXX  credit bureaus as deliquent and sued for the debt.   XXXX  I was not aware that debt collectors could pick and choose which laws and court orders they had to obey.
The company picked up my car in XXXX XXXX and I got it back the following day. I paid what they said I had to and then i strated paying {$250.00} every 2 weeks to keep it up and not have such a big payment at once. Now they are saying Im past due again afte they have told me they dont allow a 10 day grace period. My question is how an Im behind if they dont allow the grace period? I am trying my best to pay for the car and I have kept up with the payments and they still want more money on top of the regular payment.
I am disputing the underlying facts of an entry. They are reporting a XXXX XXXX account that my ex-wife opened without my knowledge but it still appearing on my report since XX/XX/2012. This has been disputed with Transunion and been removed, but Equifax refuses to understand that this account was her responsibility. I provided the details and the divorce decree but they still will only reply with " we verified this account belongs to you ''. I have a credit score in the XXXX range and pay everything on time. I would not make a late payment for a {$200.00} account. This is not right and needs to be removed. I have disputed with Equifax at least three times with a refusal to investigate further.
XXXXHAD AD ON XXXX ALLOWING YOU TO TRANSFER USING MONEYGRAM FRAUD IN-DUCED WIRE TRANSFERS. 

VIOLATING THE DODD-FRANK REFERNCE NOXXXX TOALING {$1300.00} PLUS FEES.
Two checks I sent were cashed but not posted to the account. I do not know what they did with the money. I filed a complaint with the Office of Consumer Protection of XXXX County, Maryland ( XXXX ). They have all the information. and sent 2 letters to Chase but got no response - I had also sent two letters but no response except for more statements.
Flagstar Bank has inappropriately denied assistance even though we are in imminent default under FHA guidelines even though we are current on our loan. We ( the borrower ) have had a reduction in income due to previous job loss, reduced pay with a new job and increased expenses. We do not want to loose our home! Flagstar states in it 's hardship letter they " ... understand that your home is an important and valuable asset and your peace of mind is important to me. Flagstar is dedicated to helping our homeowners preserve and maintain their investment. I am prepared to discuss your situation and help determine the best course of action for you. '' We feel this has hardly been the case. We are current. We have n't missed a payment. We are trying to be proactive rather than reactive with our loan.
Well, I had this account and yes I am doing my best to pay this back and yes this was cause by my XXXX XXXX XXXX which they was putting my funds back into my account for Premium Expenses of my Health Insurance Healthcare Plan of retire medical spending account and yes this has been a complete night deal for me and yes I am not saying I do not owe it but I am getting calls all day and nights in hours of times and yes I did make a payment on this account again on XX/XX/2018 and yes I am doing all I can to handle this and yes I was on the hospital the last past week of my heath problems and I only work part time for the XXXX XXXX XXXX in XXXX, California and I do not make to much money an dyes I started to get my Social Security Retirement Benefits this month and I am doing my best to handle what I can to pay this and yes I di d stop by the bank on XX/XX/2018 and try as much as I can on a payment, please I am not well an di do feel they are harassing phone calls, so I am asking that they do not call me or send me any thing, each time I go and make a payment on this I can not even get a balance how much I still owe and yes I would like to know what they are charging me on this too, thank you for your complete help on this now
On XX/XX/XXXX, a series of fraudulent charges were made to my account. All but one of them was cleared from my account. The fraud charges resulted in me getting a new credit card. The charge that was not eliminated was for {$400.00} to " XXXX ''. I notified them via calls and messages and formally filled a dispute. When the dispute was finished, they said an error was made and the {$400.00} was put back on my account. Only this time it was three separate charges of {$400.00} each totally {$1200.00}. I called to notify them, was hung up on, and called back again. This time they told me they have to close my account again and issue me another new card. Complete waste of time to go through this all, have to switch over my auto pay bills all again, and still not have a resolution to it.
According to my credit report, I have contacted them and requested my address, employment and account be removed. Its XXXX account that remains on my credit report TCS XXXX XXXX for a date od service in XXXX XXXX. I have contacted them directly. I spoke to a XXXX at XXXX and she told me that this billing company est. XXXX and they do not have any records of my information. She then told me to contact the doctor office XXXX XXXX and speak with XXXX at XXXX. They too have no records of me, by searching for my name and social. I was then told to contact the hospital XXXX XXXX XXXX XXXX in medical billing. I spoke to XXXX who said she has no records of my information.
Creditor is unlawfully reporting an account which is not legit not accurate on my credit report and refuses to cooperate with my request to remove it.
XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX/Equifax XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
A company by the name of GC Services called and said I owed them {$1100.00} for a student loan I have never had. All my schooling was paid for by the XXXX XXXX. The person I spoke to was XXXX XXXX and he said payment must be sent immediately or it would affect our credit. They were rude, demanding and knew my full social security number and birthdate. I told them it was not mine but did not want to speak too much since they record everything and seemed very strange to me. I recently found out they are scam. DO NOT SEND THEM MONEY or continue any type of conversation with them.
calls every business day with an automated method saying they are trying to reach someone in out company about a debt. This company has no debts in collection, so I simply XXXX the name and then the number XXXX, XXXX and XXXX. You can see how many others have had this same treatment. This is a scam, I am sure people think there companies must owe some money and probably give them money for nothing. This probably should also go to the Dept. of Justice. Please investigate this
I am a victim of a student loan assistance program called Total Debt Assistance Group. They got all of my information, I signed a contract, and they charged me {$600.00}. I did n't know they were illegal until after I finished all the paperwork and gave them my money.
My payment for  XXXX     2017 to my mortgage payment to Ocwen Mortgage is missing in my   XXXX   Credit report (  see attachment ) and also my Credit report was last updated  XXXX   XXXX ,  2017  by my credit reporting agency
In XXXX XXXX, I called my federal student loan servicer, PHEAA, to request that the additional payments ( beyond the minimum due ) I was putting towards my loans each month be targeted at my highest interest loans first, in descending order. I was informed by the person I spoke with at PHEAA that I would have to message them through their online portal to do so. I did this on XXXX XXXX, XXXX. 

The next month, I saw that my additional payment had not been targeted at my highest interest loans, but simply disbursed equally among all of my loans as it had in previous months. I called PHEAA again, and was informed that I would have to hand-write and sign a letter ordering them to disburse the payments in the manner I wanted, scan this letter, and upload it through their online portal ( at myfedloan.org ). Frustrated, I did so on XXXX XXXX, XXXX. 

The issue finally seemed to be resolved, and for several months my additional payment was targeted at my highest-interest loan. However, on checking the disbursement this month, I discovered to my dismay that they had again disbursed my additional payment equally among all of my loans in direct violation of my request -- twice over the phone, once through an email, and once through a hand-written letter that was scanned and uploaded to PHEAA 's awful website.
It is unclear how to proceed as PHEAA seems perennially unable to fallow the simplest directions in a task that seems incredibly easy ( i.e., just taking several hundred dollars that I am *trying* to give them each month ).
I have a collector who is constantly calling, and is insisting that I owe for an account which has been paid from Financial Aid ( FAFSA )
I had a credit card that was about to be charged off when I contacted the original creditor and paid the card off. It was reported on my credit as paid and resolved by the credit grantor. Then a few months later the same account was showing up as a collections account now owned by Midland Funding LLC. This has been reporting as a collections account since XXXX although I paid the debt in XXXX of XXXX.
Trying to get free annual credit report, ca n't get past TransUnion 's annoying pages/ads for paid credit score, no link to go by it --
I was told over the phone with XXXX XXXX XXXX by XXXX in XX/XX/XXXX that my  accounts were closed. His company lied to me about services that would be available to me repeatedly in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Rather than close my accounts they quietly collected all of my remaining funds ( FRAUDULENTLY ) and then charged for 3 months more " service '' in the accounts. Now they have HARASSED me repeatedly, REFUSED TO ANSWER MY COMPLAINTS, and FRAUDULENTLY STOLEN MY FUNDS SINCE XX/XX/XXXX. The company allegedly records all phone calls and will not allow you to record them, but can not disprove my consistent and documented story. They have not responded satisfactorily to my complaints and are rude and unintelligent ( or perhaps poorly trained ) in my communications with them. This CORPORATE ENTITY is taking advantage of me, A HUMAN, AMERICAN, CITIZEN, and I demand that they and the CFPB resolve this issue promptly by immediately returning all funds in my account as of XXXX XXXX, and ceasing and desisting any and all attempts to collect the fraudulent {$60.00}. CHASE LIED AND NEEDS TO BE HELD ACCOUNTABLE!
barclays bank placed an account with their attorney who consequently filed suit for a credit card account that Barclays refused to negotiate a reduced interest payment plan so that we could pay the principal balance at a XXXX interest rate for 5 years. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, Pa filed suit against us in the beginning of XXXX according to a letter we received XXXX, however we were never notified or served a notice of a court date. They instead served our documents to another individual being sued by Barclays and we in turn received his documents. Docket XXXX. They further advised that they are entering a judgement in this matter on us. They were sent a letter by me on XXXX via certified mail concerning this matterDue to their error, we never had an opportunity to present our side and they also compromised our personal information including address etc and financial information to an individual that we do not know.
On XX/XX/XXXX without my requesting it, I was enrolled in Paperless Billing. While I was indeed logged into my account on the XXXX. ( my records show that I reviewed transactions from a recent trip ) I did not request paperless billing. 

By arbitrarily enrolling me in Paperless Billing, Citicards avoided sending a paper statement which caused me to miss my subsequent payment due date. Since no statement arrived at my home, no payment was sent and now I have a missed payment on record, an interest fee and a late payment fee. 

I was refused any redress by Citicards when I contacted them by phone and chat on XX/XX/XXXX. While online with their chat personnel I found that they had disabled my ability to turn off Paperless Billing,  which was very suspicious. 

This smacks of a predatory practice ( making changes to an account without any request ) and needs to be promptly addressed.
My financial advisor referred me to their XXXX XXXX department when I told them thay I was going to buy a house. I was approved for a loan and I started looking for houses in my price range. When I found the house that I wanted I locked in my rate and started the application process. Throughout the process they exhibited poor communication and started asking for documents a couple of days before closing. Two days before closing they contacted me to finalize numbers, including my monthly payment which was quoted to be {$1500.00}. When I got to the closing table I discovered that monthly payment would actually be {$1700.00}. When they informed me of this payment I felt like my back was against the wall because I was afraid being sued by the seller and I felt I had no choice but to sign. Since my closing two weeks ago I have been under duress on how I am going to make my monthly payment. On my Truth In Lending Disclosure they quoted my taxes and insurance to be {$290.00} a month. As a normal consumer this number did n't seem out of the ordinary to me. In doing my research I have been made aware that several professionals from Morgan Stanley Home Loans neglected to change the property tax number to the correct amount even after they were told by the title company on XXXX occasions that their estimated property taxes needed to be adjusted. Morgan Stanley Home Loans were negligent on several occasions. I am now stuck with a mortgage payment I ca n't afford.
They have continued to call me and make threats that they are going to put this debt on my credit report even though I still have not gotten anything from them in the mail on who I owe and amount. They offer to text it to me with a link on it and I refused that. I have asked several times for them to mail it to me. I have yet to receive anything. Now when they call they hang up on me as soon as I answer and when I call back they have the same recording that they will transfer the call it rings and then disconnects so I ca n't get this supposed collection agency 's name. One total me Capital Billing and one total me Capital Accounts. I have never been called by the same number. They are all different area codes and phone numbers. I submitted a complaint already on XXXX. I wanted to add to it since a new number called but I did n't see that option. That complaint number is XXXX
We used our " Best Buy/CitiBank '' credit card for purchases in XXXX, Arkansas. The remaining debt was {$230.00} as of XXXX XXXX, 2017. We went into the store to pay the debt on XXXX XXXX, 2017, but the store was having difficulties with their electronic cashier system. We paid them {$100.00} in cash, and wrote a personal check for the remainder, {$120.00}. The store cashier could not process the check electronically and could not print a receipt for the check. We submitted the check anyway and left the store, assuming the debt was paid. 
Collection calls began several months later, and come usually 2-3 times every day, often after XXXX XXXX. We have explained the situation with the collectors from CitiBank, but they seem to not understand and insist we owe upwards of {$280.00} due to interest and penalties. We have offered several times to immediately pay the {$120.00} because we have confirmed with our bank that the check has never cleared, but we refuse to pay the interest and penalties. And we have demanded that the reports to credit reporting agencies be rescinded. We have asked to speak with a supervisor, but this request has been denied. We will gladly pay the original remaining balance, but not the added interest and penalty. We have now asked that all calls cease immediately, but they have called twice today already. One agent did offer to remove {$39.00} fee, but no more.
I got a loan for XXXX $ from XXXX XXXX for one year. I paid in full and receive a confirmation letter and payment history from them, because I have to report the lease to the credit bureaus myself. The company will not and does not report to any bureau. I called the bureaus that I have and they can not expect any report of my lease only threw the company. I am stuck please help me put my leasing to the credit bureau.
The debt account was open on XX/XX/2018. The company is Security Credit Service. The debt amount is XXXX. I am not aware this debt and it is not mines.
I opened the Chase XXXX XXXX  Rapid Rewards account through a link on the XXXX website on XX/XX/2018 and bought my ticket immediately after opening it. I was lured by the offer of a {$200.00} statement credit right away and then {$50000.00} XXXX  Rewards points if I spent at least {$2000.00} in the first 3 months. I did receive the statement credit on my first bill and I spent {$2200.00} in the first 3 months, at which point I figured I'd get a " congratulations, you earned your bonus '' note or something. Since I didn't, on XX/XX/XXXX I contacted Chase via the Secure Messaging function in my online account to ask when I would get the XXXX  Rewards Points. They told me I'd been offered XXXX  Rewards Points after charging {$500.00} to my card, and that those points had been deposited in my XXXX  account ( which they were ). When I said their records were wrong - I'd signed up for a different offer - they said no, they weren't wrong unless I could prove what I was offered. Of course I can't prove anything - I didn't have the foresight to take screen shots as I was applying ( though that only shows an offer was available, not that I actually applied through that offer ) and Chase pointedly doesn't document anything " because their offers change all the time. '' I can search " Chase XXXX XXXX  Rewards Points '' and find several websites from between XX/XX/XXXX and XX/XX/XXXX that refer to the bonus offer - so I know it WAS an offer that was available at the time I opened my account, and I know I would not have put over {$2000.00} on my Chase card without that incentive ( I would've opted for cash back on a different card ), but Chase ensures that there's no way for a consumer to prove what s/he was offered at the time of the credit card application.
Ditech mortgage will not update my account and I can not make my payment. If I do, they will not apply the money to my account, but will instead hold it in a separate account. I contact them every month through my account and they have never responded.