WillisBack/dataset-financial-user-claim huggingface dataset:
I began a Mortage modification on XX/XX/XXXX. SPS continued losing documents and did not send a letter confirming having recieved all the documentation until XXXX XXXX. SPS did a property evaluation in XXXX, XXXX XXXX and XXXX. In XXXX they sent a letter stating that I withdrew the request on XX/XX/XXXX which is incorrtect. SPS claimed that they were going to excellerate the modification several times due to their error. The error of not prorperly precessing the modification. SPS did nothing but require me to resubmit an entire package again. SPS is delaying the modification thus forcing the boworroer to pay higher interest than with a modification in place. The borrower has been forced to accumulate high interest cost due to the slow modification process and SPS inabilty to contact the owner and inform him of modification availible for investment property in a timely manner. These factores have eroded the equity the owner had in his property and gavin it to the lender.
XXXX XXXX XXXX has re-aged the DOFD in violation of the FCRA. This is a XXXX   account. Pursuant to the FCRA, the DOFD has to be reported within 90 days of reporting. This time as since past years ago ; and, this account has been actively and erroneously been reporting on my credit files since XX/XX/2016 until the present time. I would like it DELETED in its entirety.
XX/XX/2018 someone opened a new account in my name and it wasn't me. AMCOL SYSTEMS .. I CALLED THEM THEY TOLD ME TO CALL YOU
XXXX DIAGNOSTICS XXXX {$430.00} XXXX XXXX {$150.00} XXXX Lab {$150.00} These invoices were paid and covered by Insurance and still reflecting on my credit. I have called the companies and the physicians stated insurance was paid and should have reflected XXXX and off my report, but it is still showing on my credit report. XXXX will call me back nor correct this information.
On XX/XX/XXXX I made a {$59.00} purchase at Best Buy on my Best Buy Credit Card. In XXXX I made a {$30.00} payment. In XXXX I made another {$30.00} payment. I thought I had a credit of {$1.00}. XX/XX/XXXX I receive a collections letter from Citi Bank asking me to call. On XX/XX/XXXX, I try to access my online account to see what's going on and I'm locked out of my account. I call. I am transferred and put on hold repeatedly, spending over an hour trying to sort this out. I am told by 5 different people that my last payment incurred an interest charge and a late fee and then repeated late fees for the late fees. All the while, I have no idea. I never received a bill in the mail or via email. They told me I was signed up for online billing ( did not knowingly elect that ) which means, I have to go onto my account to see what is on there. Here 's the catch - if you're late, they lock you out of your online account. So I believe I have paid for my item and in fact, have a credit balance - meanwhile, they are charging me interest and late fees and I have no way to know that because they don't notify you and you can't access your account that they lock you out of. On top of that, why would a consumer even check their account in the first place when they haven't purchased anything with that card and last they knew, had a credit? I have paid them and closed my account effective today XXXX XX/XX/XXXX ). However, I am complaining to you because I want action for corrupt business practices. This process is corrupt and the intent is to fleece consumers. This needs to be stopped. I will never purchase anything from Best Buy again and I will not elect to do any additional business with Citi Bank.
XXXX XXXX XXXX sent my account for {$240.00} to collection without notifying me they would do so. In fact, I paid {$310.00} of an initial {$550.00} balance that I negotiated down from the original {$780.00} which proves I communicated with them. I had sent a total of five payments and had the sixth check written to go out in the mail when they sent this to Hospital Collection Services whom I also contacted to say I would fight this and their response was to simply send it to collection. XXXX XXXX XXXX have failed to show proof I requested by letter and by telephone that they sent me XXXX consecutive statements of any sort of warning that I would be sent to collection. I had an array of hospital bills for this visit in 2013 and paid them all off ... .some of which were much larger. These included XXXX, XXXX XXXX, XXXX 's hospital, etc. Why would I ignore such a small bill when I paid all the other 's? Neither company was willing to work with me when I telephoned, sent letters, and after repeated phone calls explained they would leave this in collection and not accept payments.
I tried numerous times to close an account with XXXX after I moved out of an area in which my cell service worked, which is a legitimate reason to close an account by their policy. After repeatedly calling for three months, and being left on an endless hold numerous times, they agreed to close my account and remove all charges from my account because I was always on roaming cellular service, and I was not receiving the service I was paying for. I moved in XX/XX/XXXX, and they closed the account in early XX/XX/XXXX. I now have two different collections on my credit report, for two different amounts, but both from sprint and they are destroying my credit score. I do not owe this money and no one from XXXX will give me a clear answer to why this account went to collections, much less why there are TWO accounts for XXXX in collections. Also, no one has contacted me in the past year to let me know I owed this debt, I just so happen to see the collection accounts on my credit report.
In XXXX I sent a letter to Equifax to remove undeliverable addresses from my credit report. On XX/XX/XXXX, I received a letter from Equifax stating that the disputed address was removed. But when I receive current credit report the address still remains. The latest credit report is dated XX/XX/XXXX, and it is still listed on my report. Every time I request the information to be removed I receive a letter stating that it was deleted but it never disappears from my credit report.
I tried to dispute due to the fact I have never lived in any other state besides California, yet, on my credit report shows an account with XXXX out of Georgia. I can prove through utility bills and rental lease that I was not in Georgia at the time of said account was being used in my name. The company did nothing to further investigate my claim, but decided it was an accurate account.
My XXXX account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with XXXX as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XX/XX/XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXX with them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XX/XX/XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XX/XX/XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact XXXX today XX/XX/XXXX and was transferred to XXXX. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my XXXX tradeline that is not reporting as derogatory, it is reporting as unrated currently on XXXX and Transunion now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that XXXX is providing them. XXXX is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.
This debt is from XX/XX/XXXX. It has been payed in full. 
The first I have heard of this was last year, ( XX/XX/XXXX ), in XX/XX/XXXX, when XXXX attempted to collect on this. 
The originator of the debt, ( a hospital just outside of XXXX ), has since closed. After many attempts, I was unable to find anyone involved that might be of help. 

I originally payed a lump sum and had the remainder come out of my checking account, via direct deposit. This resulted in the account being payed in full. 

After no luck with the hospital and no luck dealing with XXXX, In XX/XX/XXXX I contacted all XXXX credit bureaus and submitted the information I had. They decided that this debt was unfounded and had the negative remarks pulled from my credit score. 
That was just last month. 

In XX/XX/XXXX, I received a letter from Halsted Financial Institute attempting to collect on the same debt. 
I contacted them on the telephone and tried to explain my situation. 
I believe that XXXX just offloaded this case to them, selling a bunk debt, after realizing that they could n't collect on it. 

If you could please assist, it would be great help. I do n't want to go through all of this again, or until the end of time. I 'm not sure what to do at this point. 
I do appreciate your time. 
Thank you very much, XXXX
Creditor Information Opened XX/XX/XXXX ( 8 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Balance : $ {$81.00} Original Creditor Name:06 XXXX XXXX I have paid this balance of twice, once XXXX  and once to CCS on XXXX XXXX. CCS stated that they would mail me a receipt within 8 business days, I never got this letter confirming proof of payment. I called them back today XX/XX/XXXX to have them solve this issue and they have no record of payment. I told them " I want this off my credit, it's only {$81.00}, I will even pay again today if you can send me proof of payment via email today so that I can have a receipt which is fair ''. CCS denied to send me proof of payment if I made one today, and denied to accept my payment. How can I resolve this matter if company does NOT provide receipt for future records. Please help, this is only {$81.00} we are talking about, I will pay for a third time all I am asking for is a simple confirmation # or anything that can protect me as a consumer. I can not wait 8 days to get a receipt if I am paying today. hope this makes sense. Thank you
Got a collection from XXXX XXXX XXXX in the sum of {$2300.00} for a credit card issued by XXXX Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.
On XXXX/XXXX/XXXX I contacted XXXX XXXX who is a loan officer for Arvest Bank ; who is also my current mortgage lender, regarding a FHA Streamline refinanace at a current rate of 3.50 %. My current interest rate with Arvest Bank is 5 %, and the mortgage term is 30yr. I initially asked for a 15yr term with a fixed rate, but he advised that my payment would raise {$50.00} dollars higher than my current mortgage payment and that I would not be permitted to do a FHA streamline refinance unless the payment is lower than my current payment. He then advised me to do a 30yr term, but I requested that it be a 20yr term, because I want to pay off my mortgage sooner. I was informed that a FHA streamline refinance does not require income or credit qualifying, as long as you have been current on your mortgage for the past 12 months, but XXXX pulled my credit without my authorization. He then told me, that he wanted to due my loan at a 30yr term and not a 20yr term, because he would not be able to sell it to an investor at a 20yr term. I tried to work with XXXX, but he was not very customer friendly, and continued to presser me to do a 30yr term loan. I called at another Arvest location and spoke with XXXX XXXX on XXXX/XXXX/XXXX, and filled out application, and she informed me that there was a state and federal tax lein on my property, and that it would need to be paid before I could refinance my mortgage. I contacted IRS and the state of Arkansas and was informed that I did not have any tax liens on my home. XXXX sent a XXXX No.XXXX Authorization form to prove that I owe no federal taxes. I filled form out XXXX/XXXX/XXXX returned to Arvest, but XXXX XXXX Closing agent with XXXX XXXX XXXX stare the IRS refuses to speak with her. this was either something to prevent or stop me from refinancing with streamline. I was told that my paperwork was going to underwriting XXXX XXXX, and I would close in a week. On XXXX/XXXX/XXXX I was contacted by XXXX XXXX who informed me that this was not going to happen and that XXXX XXXX no longer works for Arvest Bank and she would be handling my refinance and we can not prove that the XXXX Federal tax lien has been paid and XXXX XXXX XXXX ca n't verify that this has been released, yet I have paper work from the state which says this was released XXXX/XXXX/XXXX from the court house but XXXX and XXXX said it has to come from the IRS. XXXX/XXXX/XXXX XXXX said we would set date to close. XXXX/XXXX/XXXX XXXX said it had to go back to underwriting. It is now XXXX/XXXX/XXXX and I have left several phone and email messages, but no one has returned my calls. 
Yours truly, XXXX XXXX
I have already payed the company almost a year ago. I called the company and send them a Copy of my bank statement proving this. They agreed they had received it. I do not know why it is showing up now on my credit. This had been settled before it affected my credit. 

Thank you, XXXX
To Whom it May Concern : Back in XXXX of 2014, I contacted your agency regarding a private student loan that I had though National Education Servicing, ( NES ) at the time I was paying I think {$50.00} a month. However, none of my payment was being reported to the Credit Bureau, instead since I was told that I was not paying the complete amount, I was being reported as delinquent. Once your agency contacted them, they decided to place me in a restoration program where all the delinquencies would be removed my from credit report and my monthly payment was increased to {$100.00} a month. I have consistently make those payments. However, I checked my credit report today, only to realized that National Educational Servicing has not cleared the delinquencies from my credit report and currently has me in default even after the payment of a {$100.00} that we have agreed on. National Educational Servicing wants me to pay {$700.00} a month, which I can not afford, I am a Program Assistant, with the Civil Rights Division of the Department of Transportation. My salary is : {$49000.00}. However, they have gone back on their word to report me positively to the credit Bureau and I am currently in law school and they told me I am not able to get a forbearance because I have defaulted on my loan, even though I have been consistently making a monthly payment of {$100.00}, one which we agreed on, now I am in default on an agreement that I reached with said agency. The phone number for National Educational Servicing is : XXXX. I would appreciate a prompt resolution to this matter. The manager I spoke with at NES is XXXX. 
Best, XXXX XXXX XXXXXXXXXXXX Ph : XXXX Acct # ***********
Coinbase is an online platform for buying, selling, transferring, and storing digital currency. 

Currency can either be stored in a 'Wallet ', which acts like a current account and facilitates instant transactions, or a 'Vault ' service, which is advertised as a more secure method of storage. I decided to go with the more secure option and transferred all my funds into the 'Vault '. When setting up a 'Vault ', you are required to provide a secondary email which is used to verify and initiate withdrawals. 

On XX/XX/XXXX I initiated a 'Vault ' withdrawal, but soon realised I no longer had access to this secondary email address as it belonged to my former employer. 

There is no method to update this secondary email address via the Coinbase user account. I emailed Coinbase on XX/XX/XXXX to notify them of the problem, and received an automated response to say the only action was for the 'Vault ' to be closed and funds transferred back to the 'Wallet '. 
This would be a satisfactory outcome, however despite numerous attempts to contact Coinbase, I have only received further automated responses. I have carried out some research online and discovered numerous other people with similar problems, many of them reporting they are waiting 6+ months without resolution : XXXX XXXX XXXX I'm now deeply concerned for my finances and by the Coinbase operation.
This complaint arises from a dispute in the way the payments were applied to my Capital One card. My concerns are in reference to Credit Card Accountably Act " Require that payments above the minimum payment be applied to balances with the highest interest rates first '' This is sample of billing statements from my Capital One account Statement XXXX XXXX - XXXX XXXX 2010 Interest charge calculation Balance subject to interest interest charge Purchases 18.90 % {$860.00} {$13.00} Cash 22.90 % {$730.00} {$14.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$830.00} {$12.00} Cash 22.90 % {$720.00} {$12.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$800.00} {$12.00} Cash 22.90 % {$700.00} {$13.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$730.00} {$11.00} Cash 22.90 % {$710.00} {$13.00} During the time frame of these XXXX statements, {$410.00} in payments were made, XXXX purchase of {$62.00} was made and {$220.00} and interest and fees were assessed. 
( I have attached the XXXX statements in reference to this complaint ) It appears that payments above the minimum payment may not have been applied to the highest balance first. Would this not result in the account stated to be incorrect? Could you please look into this matter?
Equifax had a data breach on XX/XX/XXXX, which contained my personal, sensitive data potentially including my social security number, bank accounts, credit cards, etc. However, Equifax did not announce the data breach until XX/XX/XXXX. 

After providing the necessary information in their website www.equifaxsecurity2017.com, it was confirmed that my data was impacted by the data breach.
I had an old debt with a XXXX XXXX Credit Card that was bought by Glasser and Glasser , PLC. I made payment arrangements. I paid what I thought was the full outstanding amount. Unbeknowst to me, I had an outstanding balance of XXXX. Glasser and Glasser filed in the District Court of MD case # XXXX to garnish the full amount on XX/XX/XXXX This amount was garnished by my financial institution : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MD, XXXX. Glasser and Glasser did not notify me in writing of the intended garnishment. My bank answered the garnishment request on XX/XX/XXXX as recorded by the District Court of MD and sent all necessary paperwork as requested to Glasser and Glasser. I have called on several occasions as well sent multiple emails requesting an order for signature from Glasser and Glasser to release the funds to satisfy this debt. I have gotten nothing but the run around from this company for the last month stating that they do not have the paperwork from my bank. I have included a collections representative from my bank in each email and he as well has reached out to the company providing copies of paperwork sent and requested that anything additional be sent to my bank. The only answer we receive is to call again! This is the contact information : XXXX XXXX ( She is the individual I have spoken to and emailed multiple times ) Senior Account Manager Glasser and Glasser, P.L.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XXXX XXXX XXXX ( fax ) XXXX XXXX Collections Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
FCO Collections ( Fair Collections and Outsourcing ) has recently started harassing my ex-roommate and I about a bill we apparently have from when we moved out a year and half ago. Up until this point, we were told there was no outstanding bill. FCO refuses to validate the account ( a consumer right. ) A man by the name of XXXX XXXX is degrading, harassing, and threatening. He 's lied to us and bullied us every time we speak on the phone. He refuses to send documents and his only response is " This is n't about me, this is your responsibility. '' We have no clue if this bill is substantiated and they wo n't work with us unless we have payment. My roommate set up a payment plan because he told us initially that we had until XXXX XXXX to figure this out and today he called and said that he was reporting it right away. He wo n't let us talk and interrupts us every time we try to ask questions. He has attacked us from the very moment he started calling.
I disputed a debt on my credit report with Resident Collection for {$1200.00} with an open date XXXX XXXX, 2014 and it was deleted out of my XXXX credit file because the debt was n't mine well the company quickly put it back on my credit report using a different name but the same address the new name is Innovative Recovery Inc and they placed it in my XXXX credit report without notifying me of rights to dispute the debt before placing it in my credit file! They did n't give me a chance to dispute the debt or notice to dispute. Matter of fact I did n't know of this company until saw it on my credit report. It 's not my debt and they ca n't verify that it is so they are playing games by trying to use 2 different names with the same business address It was deleted from my XXXX credit file because it was n't my debt! I contacted the apartments from where the debt was supposedly originated and they said they have no record of me owning this debt and they fax a letter to verify that I did n't owe them anything at the time! So I do n't know how this collection is claiming I owe and the original creditor is saying I do n't!!! 
They are violating all kind of FCRA laws with these shenanigans! I want to explore the possibility of a class action lawsuit against them!
Several companies ran my credit without authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX I XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SC XXXX ( XXXX ) XXXX
On XXXX XXXX I received a charge from XXXX for {$180.00}, which I disputed through my credit card issuer, American Express. I received a provisional credit from American Express on XXXX XXXX. Upon receipt of a refund check from XXXX I contacted American Express to reverse the billing dispute on XXXX XXXX, which lead to a fee being charged to my card by American Express in the amount of {$180.00}, which I was told would be forwarded to the merchant. Upon receiving collections notices from the merchant, XXXX XXXX, I opened an inquiry with American Express and it was determined that the original dispute was not properly closed and would need to be rebilled. On XXXX XXXX a charge for {$180.00} showed up on my credit card, and was tagged with the merchant information. I then contacted American Express to reverse the {$180.00} fee that was manually added to my card, but they have closed, opened, and closed out the dispute and have given me the run around on resolving this issue. 

XXXX Fee that needs to be refunded : {$180.00} Reference # XXXX