WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX perform a teeth cleaning. They told me the insurance will cover it. Then all the sudden I received from a debt collector {$870.00} dolls to collect. If I dont pay that will report me to credit union.  XXXX XXXX XXXX report it that I owe that money. I call them and they told me to give sensitive information. Assists social security number date. Then they try to enroll me to their credit union for a fee to protect me. All is a host and they have hurt my credit score
There are 5 accounts with the XXXX XXXX XXXX XXXX that are showing on my credit report. These accounts have been closed for some time. 

They are showing missing payments from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX There was any agreement made and these payments were made up.
I met the requirements for the ability to benefit to the exact letter of the law. They knowingly falsified their findings to continue to garnish my wages. I was exactly the person this law was designed for and they simply ignored the law and continue to ruin me financially. Someone needs to investigate this. We can not continue to let our politicians get away with this type of behavior. Please investigate the Department of Education and the collection agency they use to ruin peoples lives. I promise that if you investigate my case you will see that I met the requirement. I ask that you just look into my claim and the people who committed fraud to deny my claim.
I saw that there was a fee charged to my bank account out of nowhere for {$120.00} in processing for a Levy Order I was not told about. Originally I thought it was an unauthorized debit and I was going to have to change banks. I spoke to the department who handled court orders. They said they collected {$0.00} but charged me {$120.00} processing fee which was nowhere in the fee disclosure I received when opening the account. The account with the Franchise Tax Board has a payment arrangement to be cleared in XXXX 2016 that is standing on the system. When I requested the fee be reversed they refused stating that I need a letter from the Franchise Tax Board. When I called the Franchise Tax Board they said they do not call nor provide letters for errors when it comes to bank levy 's. I called the same department back and they refused again and said they get calls and letters everyday from the same department whose number they gave me.
Equifax is reporting of a fraudulent hard inquiry for XXXX XXXX, 2015 from XXXX XXXX. XXXX XXXX says they have sent letters trying to rectify and Equifax say no such letters exist. XXXX removed the fraudulent hard inquiry but Equifax will not. Plus they have my name misspelled and incorrect on my credit file. I have been calling XXXX XXXX for over a year and nothing has been done to fix their error.
I have a fraud alert on my credit report and this debt is erroneous and not valid and is not mine.
XXXX took over the servicing of my Mortgage and almost immediately made a mistake paying taxes and collecting payments. My loan includes escrows which means the bank is responsible for paying my taxes when due. When XXXX received my school tax bill they failed to pay the school taxes. In XXXX they received the town tax bill. Since they failed to pay the school taxes in XXXX the school taxes were billed again and were added to the town tax bill. XXXX read this as my town taxes had increased from appox. {$2000.00} to {$10000.00}. XXXX then raised my escrow payment almost {$1000.00} per month to cover for their mistake. I immediately called them and told them of their mistake, but they did nothing to correct their mistake or the payment. I sent them a letter explaining their error ( attached ). It was ignored. I made several other subsequent calls and they ignored me, acting as if I was a liar and did not know what I was talking about. I would explain their error and they would respond that I owed the additional funds. It was as if they turned the volume off on the phone and did not hear a word I said. This included managers I spoke with. I was treated with absolutely no respect or concern. They acted as if it was impossible they could have made a mistake. Almost 2 years went by and XXXX ignored every call and every letter. It was not until after dozens of attempts to correct their mistake I got a manager who actually looked at the escrow account and saw there was thousands of dollars in excess funds in the escrow account. However, He still never admitted the mistake. I was told I needed another {$500.00} to bring account current. At this time XXXX was already holding {$43000.00} and still reporting I was almost 2 years behind on my mortgage even though they had all the payments. Also, I did not need another {$500.00}. XXXX had been holding over {$1000.00} for years which they could never explain why. They refunded this money to me about a year ago. So in fact they had all the payments plus approx. another {$700.00} and XXXX was still reporting my account almost 2 years late. XXXX needs to immediately correct my credit report to reflect no lates. I believe they should also have to pay restitution for all the problems this has caused me in obtaining new credit. XXXX has violated multiple laws for collecting and reporting a debt while servicing my account without taking any responsibility at all for their negligence.
Every year Carrington mortgage service increase my monthly payment claiming a projected tax increase which the original monthly payment escrow is more than enough to cover the taxes. The taxes has not increase either. They also increase my monthly payment because they clam that there was not enough in the escrow to cover the taxes. 
They also my it difficult to have your monthly payment applied to the account after making a payment. They applied the payment after the grace period so that they can charge a late fee even thou you have prove that the payment was made in plenty of time. I have asked them to stop calling me but they continue to call for nonsense.
On the XXXX show XXXX while they are showing a buyer looking at a home for sale, a flash at the bottom corner of the screen, says " XXXX payment is {$2000.00} ''. 
being in lending for 48 years, I know that in order to quote a payment, you must also show, APR, loan amount, term, etc. 
ALL THEY QUOTE IS THE PAYMENT!!!!!!!!!!!! 
XXXX XXXX is owned by Quicken Loans, a huge National Mortgage Company. 
This is not right for them to do this, and must be stopped now!!!!!!!!!!!!
This company keeps calling my phone, sometimes 5 or 6 times a day and usually does not leave any messages but they did one day telling me they want me to call them back immediately. I looked their number up on-line and found them to be a collection company in Missouri calling me in California. I called them and was on hold for " the next available representative '' and then was sent to an answering machine where I left a message, including my phone number, telling them I am a XXXX year old woman, with all my debts paid and I do not owe anyone anything and to stop calling me. They continue to call, hang up, and so I added them to my phone blocking system so their calls can not get through. I do however still see even though they can not get through to me, that they still call several times a day even after being told I do not owe anyone anything and to stop calling. If they do not stop, I will sue them in California for {$1100.00} per phone call which would now earn me well over $ 100.000.00+ with all the calls they are making after I asked them to stop! 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Web : XXXX
Elan Credit services will not allow me access t o my account. They wont send my statements and they have locked me out my on line account. I do n't know what charges are being charged. I do n't know if I have late charges etc.
I XXXX XXXX have a collection placed on my credit report with Hunter Warfield Inc a debt collection agency located in XXXX FL. I have never opened an account with this corporation and they have failed to provide me with the proof of debt. It was placed on my credit report on XX/XX/XXXX for the amount of {$2400.00}. I have been hindered in opening credit lines in purchasing a new vehicle because of this negative information reporting on my credit report. I am including tracking numbers that proves Hunter Warfield Inc has received my dispute via USPS. # XXXX this letter was delivered to Hunter Warfield Inc on  XX/XX/XXXX. It has been more than 30 days and they have failed to respond. I am demanding this account be removed due to lack of validity.
debt was included in a bankruptcy Chapter XXXX case number XXXX, this was filed on XX/XX/2016. this should be removed. I disputed this account to the XXXX credit reporting agencies and the creditor and they did not remove the account from my credit report.
An invalid debt was sold from XXXX collection company to another and I am again being harassed and my credit score negatively affected due collection attempts from this company. In XXXX XXXX, I contacted you because XXXX in XXXX Florida continued to send me letters stating I owed a debt to XXXX XXXX XXXX in the amount of {$300.00} but they would not respond to my letters and they had failed and refused to provide any documentation of a valid debt. With your assistance, this negative mark was removed from all XXXX credit reporting companies and I did not receive any further correspondence. However on XXXX XXXX, XXXX, I received notification from my credit monitoring service that a collection account, reported by Enhanced Recovery Company also located in XXXX Florida, was placed on all XXXX credit reporting sites for XXXX XXXX XXXX in the very same amount as XXXX had back in XXXX. This company made no effort to contact me by mail or phone to confirm or deny the validity of this debt, but instead just placed it on my credit reports and marking this account as open as of XXXX XXXX. When I was dealing with XXXX, they claimed this amount was for wireless phone services with XXXX XXXX XXXX when in fact at that time I was with a different company, and I did not have any contract in force with XXXX XXXX XXXX at the time of the supposed debt. I had also at that time contacted XXXX XXXX XXXX who stated they were not aware of this debt and could not find any records of it.
I have not overdraft my account in over 4 months, and when it was it was almost immediately remedied. However, my bank Ally continues to hold checks for 5 business days, these are checks from my employer for reimbursements such as mileage and tuition, not checks drawn on a random account. 

It seems to me that this practice suits to assist the bank in collecting overdraft fees rather than preventing them. I have never attempted to cash a check that bounced, etc. I believe they are practicing this solely to attain more money for themselves.
I had a loan that was sold to a different mortgage company that had derogatory remarks on my credit report I have a XXXX balance with them. I would like to get this taken of my credit score can you please help me out on what steps i need to take, to have it removed.
I have an extremely common name and am very concerned because I know there is a very bad guy born on the same day with the same name as me. I found this out when an apartment complex did a background check on me and got my information mixed up with his. Today, I found an associated address that is not mine on my Equifax Credit Report today using their TrustedID XXXX XXXX. It took Equifax a long time to send me the email to activate this service and it is currently in a " processing '' status. I need to have this address removed and lock my credit reports. Here 's the wrong address not associated with me in any way " XXXX XXXX XXXX, XXXX XXXX, MISSOURI, XXXX ''.
Hi my name is XXXX XXXX I lived in an apartment with XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX we made reports of mold out break in our apartment. They did not seem to fix the problem we also had a leak in our floor so we had mold all over there was a leak in the living room and we complained so they fix it. They took theyre time to fix things that were broken. We had bug infestation and we were getting sick from mold we tried to fix the problem our self so we gave 30 day notice we were leaving. We left XX/XX/2017 I believe and we relocated i checked my credit and I have a debt collection I was not aware of and I did not recognize any written notice about a collection or a phone call or any thing I called to ask what this was about and she said XXXX XXXX I was not notified that I can dispute this collection. They claim there was damage to my apartment and the apartment was fine when we left besides the mold Every where that they decided to do nothing about I even reported this problem to the health department and nothing was done about it. And as far as cleaning fee I did not get any receipts and I did not get my deposit refunded.
X/X/2017 card an unauthorized use of debit card at an ATM at XXXX XXXX XXXX XXXX in XXXX, indiana. XXXX transactions, consecutively. # 1 for {$100.00} + {$3.00} fee # 2 for {$100.00} + {$3.00} fee # 3 Chase stopped the charge. Received email from Chase at XXXX about charges. Email attached. Email opened between XXXX-XXXX on X/X/2017 Immediately clicked Link to say NO these are not my charges. XXXX XXXX XXXX XXXX XXXX XXXX Link said they would call me and stop my card. Nobody called. I checked my online account multiple times to ensure additional charges were not being incurred. Clicked the link in the email multiple times on X/X/2017 because I did n't receive a call. On XX/XX/XXXX I called Chase to ensure my account was closed and to get a new card. On X/XX/2017 Chase reversed my fraud claim with this reason : 1. I reviewed my online bank account more than 2 times 2. I did n't " report '' the fraud until XX/XX/XXXX ( while reviewing my account ). Called XX/XX/XXXX to dispute again, Chase advised to go file a police report and then fax it to them to reopen the claim. Called police on XX/XX/XXXX, they said to come in Monday. Filed police report XX/XX/XXXX. Purchased police report for {$6.00} to send to Chase via fax. Paid {$5.00} to fax police report to Chase on XX/XX/XXXX XX/XX/XXXX Chase denied my fraud claim again. Called Chase XX/XX/XXXX to dispute. Advised that my claim was denied again. 1. I reviewed my online bank account more than 2 times 2. I did n't " report '' the fraud until XX/XX/XXXX ( while  reviewing my account ). Additionally, Chase said I never clicked the above link from the email. This is 100 % inaccurate and they must have an issue with their link/email tracking, as I clicked the link over 3 time. Still can click the link today and nobody calls. I should not be penalized because their method of fraud alerts does n't work when customers respond. Had the email said, call us right away if these were n't your charges, I would have called, but they did n't not do that. They said click this link - I did. Their link failed them.
XX/XX/XXXX - Requested PayPal to transfer my {$490.00} balance to my XXXX XXXX XXXX ( XXXX ) Checking Account. 
XX/XX/XXXX - After a week I noticed the funds weren't available in my XXXX account. Usually they arrive after 3-business days. I contact PayPal support online. 
XX/XX/XXXX - PayPal responds that my bank should have posted it by XX/XX/XXXX and asked me to wait for XX/XX/XXXX and if its not available they will initiate a withdrawal trace. I also email my banker at XXXX to have him look into things on their end. 
XX/XX/XXXX - XXXX  ACH Manager confirms they show no signs of this transfer and request that I get an ACH tracer number from PayPal. I email back to PayPal and let them know it hasn't appeared in my checking and ask for the ACH tracer number. 
XX/XX/XXXX - PayPal replies with a 9-digit tracer number to provider to XXXX. I provide this to XXXX  who can not track with the 9-digit number and say that tracing numbers are typically 15-digits long. I call PayPal and after an hour on the phone they tell me the 9-digit number is a case number and the tracking will be emailed to me as it will take them 48-hours to obtain. 
XX/XX/XXXX - I reach out to PayPal again to follow up on the 15-digit number. 
XX/XX/XXXX - PayPal responds and asks for another 72-hours to get the 15-digit tracer number. 
XX/XX/XXXX - PayPal responds that they shows XXXX accepted the ACH transfer that was made but provide no tracer number. I reply again that I'm pending a 15-digit tracer number from them. 
XX/XX/XXXX - PayPal again replies with the same 9-digit tracer number. I call and spend 90-minutes on the phone with them and finally escalate to a Manager who tells me that they had a global system issue from XXXX where several ACH transfers failed and that I must've been affected by this. He tells me that the funds will be in my XXXX XXXX  automatically on XXXX. He offers in the meantime a {$490.00} credit which I could then transfer to my XXXX account in the meantime and I decline because that temporary credit would be withdrawn from my account on XXXX and I didn't trust them to have this fix. I was smart to do this. 
XX/XX/XXXX - Funds still not showing up in my XXXX  account. I spend another 90-minutes on the phone with 4 different people from PayPal ( manager level highest level of customer service reached ). I'm offered an employee ID and told all calls are recorded but no issue or tracking number for this " global issue ''. I'm told that I need to be patient and just wait. I'm told they have no ETA on when this will be fixed or when I'll see the funds but they ask for my patience.
As of XX/XX/2018 Rise Credit has already waived the loan, however my credit report shows Rise Credit 30days past due which brought my score down 30 points.
On XX/XX/2018, I spent {$800.00} purchasing a Moneygram money order at a XXXX store when I was traveling in Rhode Island. The purchase fee is {$0.00}, and the amount on the money order is {$790.00}. I have the receipt from XXXX and the original money order in my possession. 

On XX/XX/2018, I used the mobile app of XXXX XXXX XXXX to mobile deposit the money order into my checking account. I thought there's no problem with this money order. However, on XX/XX/2018, I received a phone call from XXXX XXXX XXXX saying that my checking account has a negative balance because Moneygram only pays {$11.00} for the {$790.00} money order I deposited on XX/XX/2018. 

I called Moneygram to get clarification on this issue. The representatives I have talked to include XXXX, XXXX, and XXXX XXXX XXXX works for the paper product 2 department, escalation department for money order concern XXXX. They checked their system and insisted that the money order only has {$11.00} on it. How could that be possible?? I have the money order in my possession right now. It clearly has {$790.00} printed on it. I also have the receipt showing that I paid {$800.00} for the money order using debit cards. What's wrong with Moneygram 's system? Where did my money go? I purchased a {$790.00} money order but got paid {$11.00} by Moneygram. Where did the difference {$780.00} go? Moneygram representatives are not willing to help. I need the money to pay my rent!!! This issue has been making my life miserable. I can't focus on my job and I have to worry all the time about where my rent money comes from. 

Here 's some detailed information about the money order : serial number : XXXX Amount : {$790.00} purchase date : XX/XX/2018 purchase location : XXXX store, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX XXXX  store manager : XXXX XXXX XXXX  phone number : XXXX
Dispute were file and certified mail.  XXXX    XXXX   updated and corrected there files.  XXXX  has not investigated or updated there files. This is unfair credit reporting, information that 's not accurate or true. Information reported by  Optimum outc omes for the amount of  XXXX  on  XXXX ,   XXXX   for  XXXX   XXXX    XXXX   XXXX  . Information from  XXXX    XXXX   on  XXXX   XXXX  for  XXXX    XXXX   XXXX   XXXX  .
Experian is not reporting the correct date, the account was opened. XXXX XXXX has sent official letter stating the date the account was opened. Experian has done several inadequate investigations and has not completely and accurately investigated the file. Experian is also incorrectly reporting the XXXX 2014 payment as 120 days late and the XXXX 2014 payment as 120 days late There are all sorts of inaccuracies in their reporting and they will not comply with my rights to have a correct and accurate reporting of this XXXX XXXX account. It is unfair for me to continuously have to spend more time writing letters and verifying information they should have access to.
Beginning in XX/XX/XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, XXXX and Experian.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX.
Creditor : XXXX XXXX  Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX and XXXX XXXX XXXX XXXX Experian has deleted XXXX XXXX XXXX  XXXX has deleted no inaccuracies
I have never lived in these apartments they are collecting on. I called the apartments directly and drove down there to get a copy of the lease and i.d of the person who signed the lease and she said I had to talk to the collection company. I have called them maybe 12 times over the last 3 years and they are no help. I tried telling them that it was identity theft and that I never lived there, the man told me to pay or stop calling and the lady hing up on me. I asked for validation/proof 5 times, they have yet to send any letters or emails. I called one last time before sending this in and got no answer. I looked up the company and all the reviews are like this.
I started a fraud dispute with the credit bureaus. XXXX is the only creditor that did not removing the fraudulent account from Bank Of America.I 've contacted BANK Of America they using a fraudulent checking account which was opened with fraudulently and using the fraudulent account to verify the credit card account. My social security and ID were compromised and fraudulent account was opened without my knowledge or authority l started a fraud dispute with the bank.I 've send the bank every documentation the 've requested. Bank Of America requested my id from a third party which was XXXX. XXXX sends an ID without my knowledge or authorization. After the Bank had my ID no one asked to verify the legitimacy especially on an ID theft claim, I don't know what XXXX has or what was sent.The Bank never verified with me.Nor did I know my XXXX was an issue I have never been embarrassed trying to explain myself.I'am XXXX by XXXX XXXX. I've been going thru XXXX XXXX XXXX and XXXX XXXX XXXX.I'am ashamed and disappointed how Bank Of America has handled my situation, they were questing my XXXX and making me uncomfortable with questions that could have been avoid if only the bank let me know what XXXX has sent out.I had NO problem sending the bank my id picture, nor em I embarrassed or ashamed of myself. I'am who I am and i'm proud of myself