WillisBack/dataset-financial-user-claim huggingface dataset:
I received an invoice from XXXX XXXX , XXXX saying I owed {$210.00} for an unpaid balance to XXXX XXXX. They did not say the date of the bill or what it was for, just the company. They immediately offered to drop the amount to {$150.00} if I called or paid it within 30 days of the invoice. I've been receiving a ton of calls recently as well that I have not answered because I didn't know the number. 

After receiving this invoice, I immediately thought it to be a scam as I have not had a XXXX  bill in I don't know how long. Actually it could be over 10 years and it was for cable. I also know that everything has been paid and I owe nothing. So I did some research online and it looks like they try to collect on things that aren't even owed. I called to let them know I didn't have bill. 

When the lady answered she immediately asked if this was, ( said my name ). I said " This is she. '' And then she said the reason I'm calling is because of a debt you are owed. This conversation is being recorded for collection purposes. I said, first of all, I called you. You didn't call me and I don't owe anything to this company. How did you get my name and this " supposed '' debt amount. She then asked for my social security number. I refused and said I don't give that out. She said I owed a bill and they are trying to collect and again asked for my social so they could verify the information and tell me what exactly it was for. I again said no. Then I said they should remove my name and number from their calling list and not to call again or I would notify the police. She then hung up on me. 

So far nothing has shown up on my credit report. Hopefully nothing will or I will be furious.
I was not notified of a change in my mortgage amount to increase the escrow balance. I did not receive an answer to my email when I enquired why the on line amount for my mortgage due had changed. I never received any written notification that my mortgage had changed. So because on line info is often slow to correct, I ignored it for XX/XX/XXXX and paid my normal mortgage amount. When my online statement showed an even greater balance due in XX/XX/XXXX, I called the bank, found out the error, and paid the difference owed. They did not inform me at that time that my previous mortgage payment was applied to principle, not credited as a mortgage payment so I remained delinquent even though I paid the amount owed. That was reported to the credit bureau because they do not record partial payments of mortgage payments that are more or less than the exact amount. So for three months, I did not know about the error, and did not correct it until a collection agency called in XX/XX/XXXX to collect my XX/XX/XXXX mortgage payment. I was able to correct it all with the bank but they would not change the report to the credit bureaus because they said it was my error. 

You can see on my banking statements that I paid {$1400.00}. to my mortgage account XXXX in XX/XX/XXXX, and XX/XX/XXXX, then {$70.00} extra in XX/XX/XXXX and the rest of the balance due of {$1600.00} to cover the difference between {$1400.00} and {$1500.00}. the XX/XX/XXXX partial payment went in as reduction in principle and when I paid the extra amount owed, no one told me it did not fulfill my p=mortgage payment for XX/XX/XXXX so that delinquency remained on my account and was reported to the credit bureau. All finance charges were reversed, and XXXX acknowledged never answering my email inquiries or sending me notification of the mortgage payment change. They said it is my responsibility to find out about changes and prevent partial payments.
Fay Services purchase my  home loan from XXXX XXXX.They have not send me statement in two months.  They stated it was problem with their systemThe main problem is they are holding my money until they get the full monthly payment.They are changing my loan agreement.    Without written permission.  They knew how my money was applied before they purchase.  I made a payment on the XX/XX/XXXX and XX/XX/XXXX and they held my money until XX/XX/XXXX.  They are probably get some interest from some bank for that period. .  They are charging me money on interest for they are not applied my money when it come in.I have statement from the for several years,   showing when I made  half payment it applied,  They can not change my contact without my consent.    They are just making more money for them self.   When I called them stated,  they have the right to hold my money,  where does anybody have the right to hold money  when been send.  I not know of any company banks or anybody else does this.  They should have their license taken away from them
To whom this may concern : What I want to know is how Experian, let all these accounts fraudually pass through there system when I never opened a member ID with them? They used my name for different loans and credit agencies through 3rd parties. On top of that they dont even have my social security number right. The account has my name and my wifes social. I am very disappointed!!!! For years Ive had to pay out of my federal taxes to pay agencies back that I had to fight because I knew it was not my credit. Ive been trying to get a loan for years and never been able to buy a house or a vechicle to provide for my wife and kids. We have XXXX kids that suffered through all these rough times with us. For somebody else to steal our identity, right from under our nose with not even knowing. I finally caught up with my student loans and I couldnt understand why I couldnt approve for any loans until I finally decided to check my credit report to find out that somebody had stolen our identities. Now under the Fair Credit Reporting Act to know the information contained in my credit report. Now we understand ourights under the federal law and as of now we will be seeking legal actions to resolve this unfortunate matter. This is fraud!!!! How could this happen to my wife and I? We have not been able to prosper for our children. My wife is ill and cant even walk and I cant even afford for her to get seen. We have a son in college and a daughter that is a senior this year and she had to work super hard to get scholarships because we cant afford to get loans approved to be able to contribute to our children furthering there education. Now this matter needs immediate action. 

XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX P.S. Lawfully wedded in XXXX XXXX, IA
XX/XX/2018 Central Portfolio Control calls from XXXX asking for XXXX XXXX, I tell them this is not her number, they change the number they are calling from and call again. this has been going on for 4 years that i owned this number. I am not affiliated with this person and I have no idea who she is.
On XX/XX/XXXX I discovered XXXX XXXX XXXX XXXX XXXX for {$660.00} and {$690.00} had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This has been open for a few years now after they took me by ambulance after a car accident and I have tried telling them numerous times that I had health insurance. I have never been billed for that hospital stay or 2 ambulance rides I 've had since then. Because I HAVE health insurance, I HAD it then too. This keeps dropping my credit as they reinsert it without notification or answers. My car accident was i believe in XX/XX/XXXX.
the following unauthorized inquiry need to be removed : Made by : CREDCO Made on : XX/XX/2017 To my knowledge, I have not signed any documents authorizing this organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely,
Upon termination of a 39 month lease with XXXX XXXX XXXX, the 3rd party inspection company XXXX  cited excessive wear and tear of all 4 tires on the vehicle. The vehicle had been serviced exclusively by the authorized dealer to inspect, oil change and rotate tires. All completed on schedule/mileage as agreed. The vehicle was returned to the dealer with XXXX miles traveled, well below the allotted amount of the contract. We were not given access to the inspection report until a month and half later when we received a final bill for replacement of all 4 tires equaling {$1000.00}. 
We spoke with both the customer service representative and her supervisor XXXX XXXX to seek an explanation of the charges and to dispute the validity of the charges. We were provided the final report via email with photos of tires that showed wear but did not prove they were the tires of the vehicle we returned. In addition, attempts were made to schedule an inspection with the 3rd party  company XXXX prior to returning the vehicle. An inspection was scheduled but they arrived a day early when we were not home and they could not schedule anything prior to our return of the vehicle. We were at the mercy of the dealership, 3rd Party and XXXX XXXX once the vehicle was returned. The condition of the tires were not as stated in the report. Even in the case were the tires were in a state of heavy wear as stated, we were robbed of the opportunity to find reasonable replacement at another repair facility who would charge a fair and reasonable price. We were subjected to the highest price possible without any care by the dealership & finance arm of XXXX. We feel abused by this experience.
Re : Experian Dear Experian, There are incorrect addresses in my credit file that am not associated with and are the results of crime ( s ) that were committed against me. I am a victim of identity-theft. Needless to say, you were sent copies of an FTC Identity Theft Report and sworn Identity-Theft Affidavit. Please deleted the following addresses from my file. These address are related to identity-theft criminal activity. My only and correct address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. Having these addresses listed make it difficult of creditors to properly identify who I am. You are also in violation of THE FAIR CREDIT REPORTING ACT for reporting inaccurate information. Failure to comply shall lead to legal actions for being in violation and defamation of character. Whereas, knowingly having my name associated with addresses of debts that resulted from crime ( s ) 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 4. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 5. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX Thank you.
1 ). On XX/XX/2018, I sent my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report.

2 ). On XX/XX/2018, I sent a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, by U.S. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX XXXX, opened on XX/XX/2018, with a balance of {$2100.00}.

3 ). Equifax Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).
I have disputed this account numerous times with the credit bureaus as the debt is not mine. XXXX XXXX XXXX is unable to validate the debt for that reason. The collection agency then removed the debt. XXXX XXXX XXXX then gives the debt to another collection agency to collect and it appears on my credit reports AGAIN without notice to me that this is happening. This has been a cycle, and I am needing to pursue a formal complaint so that the debt can be deleted permanently.
The second address on my credit report is WRONG. I do NOT nor Never lived at this address .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I was born and raised in XXXX XXXX, Nevada. I have lived here my entire life. We have lived in our house for almost 32 years. Could you please help remove this address from my Credit report. Thank you XXXX XXXX.
To whom it may concern, I have been trying to fix my credit from past mistakes I made in order to buy a home in the future. When checking my credit report with XXXX and Transunion I noticed a lot of unauthorized hard inquiries on my report. I called XXXX and Transunion several times and also disputed those negative items and they have not been removed. On my Transunion report the only items that shall remain that I authorized are from XXXX and XXXX. Thanks in advance.
On XX/XX/2018 I mailed a certified dispute letter disputing information from an unknown account, XXXX XXXX for {$910.00}, that was added to my experian credit profile. I waited 30 days and did not receive a response from Experian. I called today on XX/XX/XXXX and was advised that experian did receive a response from the creditor but had not verified it by documentation or any other means saying instead that the creditor " disagreed '' with the dispute. They were not able to tell me why I was not notified in writing of the results, when the results were available, or if they would ever send the results. I explained to them that they were obligated to verify this account and they only offered to start a new investigation which would take another 30 days. This infringes upon my rights under the fair credit reporting act. I would like Experian to either verify this account and send me in writing the methods used to verify this account or delete this negative tradeline immediately.
NELNET IS A STUDENT LOAN COMPANY. THEY ARE REPORTING THE SAME DUPLICATE ACCOUNT ON MY CREDIT REPORT OVER 10 TIMES. I ONLY HAVE ONE ACCOUNT WITH THEM BUT THEY ARE REPORTING THE SAME ACCOUNT OVER 10 TIMES.
I have incorrect address and telephone number on credit report. Correct address should be XXXX. Current address is : XXXX Texas XXXX. 

I have also attached my dispute which I could not do online. I have attached a copy of credit report with notes on what corrects need to be made. 
Some accounts are paid in full and I have attached letter. XXXX account on report twice ( XXXX ). Once account 10 years old ( XXXX ). XXXX accounts fraud ( XXXX, XXXX, XXXX XXXX ) XXXX account that is paid in full ( XXXX ) I have supplied more than enough paperwork.
Ocwen Loan Servicing has not processed my loan modification and is basically blaming me for the delinquency, stating that they did n't get documents. This would be my second time using them for a first loan modification. I had sent my new application to them in XXXX timeframe. I had decided to go with back with them since it was a pretty smooth process the first time. This time has been a complete fiasco. They sent me a letter stating that my loan modification had been approved XXXX/XXXX/2016, subject to information ( one form ) that was faxed to them on XXXX/XXXX/16. A Delinquency Letter was sent XXXX/XXXX/16. After that, a letter a month came with a new issues every time. After speaking to them on various occasions, they stated that there was nothing to worry about, all of this is was standard procedure for loan processing. However, like I said previously my loan had already been processed and was approved. As the mortgage statements came I continued to pay the amount stated as my modification. Then they sent me a letter stating that my application was n't complete in XXXX 2016, the document missing was a tax form. We sent the document that they requested four different times as you will see from the faxes. They also had left out the information that was needed on the tax form and by the third time sending it then asked for a letter of clarification. The main problem was that they took an IRS form and made it theirs ( which was illegible on their part ) I ended up downloading the form directly from the IRS site. After they said the form was legible they said they would reprocess my application which had already been approved in XXXX. It has been an on going battle. They said my loan should be completed by XXXX XXXX and scheduled a conference call for the XXXX. Prior to that they sent a letter stating that they had not gotten a response from the third party loan ... On the call on the XXXX then stated the application was with the underwriters and would still have to get word from the third party loan. Ocwen went on to give info from help if loan does n't go thru ... What?????? Please review all attached documents to help settle my compliant. I am XXXX and do n't want to lose my home to foreclosure.
Ive been making student loan payments religiously several years now and it never gets paid off. Ill be on added a bunch interest back in from when it was in deferment. CFPB was supposed to be suing them and get Trying to get a settlement. Hardly any goes on the Principle all I should always have the max on my income tax statement of say {$600.00} paid in interest, Its always far far less than that. Its a sham to make  regular payments and it will not get paid off. The payments that keeps getting higher every month too.
This is regarding Ford Motor Credit. I do not, nor have i ever, had a loan with this company. I have been repeatedly receiving calls on my landline as early as XXXX XXXX  and as late as XXXX XXXX. The messages are cut off and only a mechanical number saying the same telephone number twice. This had been going on all of XX/XX/2018 it seemed. I must leave my phone on because of my mother 's poor health, but don't answer if I don't recognize the number. I'm at work about XXXX hours a day, but when I get home there are numerous messages, all the same from this same number XXXX. The message asks for a call back to XXXX. No place in the message does the call ID who is calling. It became such a nuisance that I called to ask who was calling. First the recording I received asked for my SS #. I did NOT type it in, but when I finally made my way through prompts and spoke with a person, the matter was supposed to have been cleared up. I had phoned from my cell and did give my name. Two days later, I received messages on my CELL phone and also then my email! When I called back, I was very upset, and asked to speak to a supervisor. This next person " XXXX, '' tried to get additional personal information from me. When I would not give it he told me he couldn't help me and would not transfer me to a supervisor. I have just checked my credit reports as I feared identity theft. NO Ford Motor Credit charges appeared. Please help me make this harassment stop. They now are using my landline, cell and email to harass me. And I have NO LOAN with them! In fact I have NO auto loan at all!
The complaint relates to coinbase. I have protected my account using 2-factor authentication. By switching my mobile device, the 2-factor auth in coinbase needs to be updated as well otherwise you will unable to make transactions anymore. It happend that my account was blocked and asked to unblock my account. I'm now waiting more than a week and all a got is sorry emails confirming my issue has been properly escalated.coinbase supportdesk doesn't allow you to do anything (no escalation via manager, no complaint management nothing). They just telll you you need to wait. but no reaction. It appears thousands of users have problems with accessing their money etc.I'm perfectly fine that coinbase has a great success to celebrate with new clients. But they block user's money by not doing anything related to i.e. my issue. Throughout a week I lost several thousand of dollars because I was not able to do transactions.Whatever they write as Terms and Conditions of use, this is actively blocking cash and coin outflows from coinbase. They actively decide to serve the onboarding of new clients first to promote their success and they absolutely don't care about existing clients.I'm an international client of coinbase (XXXX) but I have never come across such a treatment of customers. Don't get me wrong, whatever they write you is polite but they then don't keep their promises.This company is not mature enough to service financial clients at all.What options do I have?
I owed credit acceptance about {$7000.00} for a car loan. They took me to court and everything got settled and the judge ordered me to pay XXXX % of my gross income every week until the debt is paid off. They are not to contact me anymore or to harass me over the phone. Since the Judge gave his judgement, credit acceptance has still been calling me, harassing me and they are now claiming to be the United States government. I have changed my number several times and they still find me and claim to be the United States government or a representative from the student loan forgiveness program seeking to get my personal information such as my bank account. When i use a different number to call them back, they pick up the phone saying " credit acceptance ''. Since everything was settled in court, they no longer have the right to contact me in any way, especially making false accusations claiming they are the United States government. I have taken other actions such as making a police report and reporting them to the FTC, but they continue to call me and family members around me. When I do n't give them what they want, they start using foul language, hang up and sometimes call me as much as 55 times a day. 
They call using several different phone numbers, but the main one is XXXX ( XXXX, IL )
On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from XXXX XXXX XXXX XXXX, both asserting XXXX XXXX XXXX as a creditor. The Convergent amount was {$620.00} and the XXXX XXXX amount was for {$50.00}. I checked with XXXX. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in XX/XX/2006. This is clearly identity theft.
we tryed several times to refinance or loan modification and was turned down they stated that they just werent interested in doing that we pleaded to them because we could no longer make the high payments because my spouse was no longer able to work, and our saving were gone so we couldnt make the payments. my wife got into a car accident and couldnt work for 3 months and we fell behind in our payment we got some what back on track and tried to make up the payments and couldnt get statement from them to get money from 401k hardship fund by the time they complied we didnt have enough to cure all the cost, we sent them  XXXX  dollars the amount thet quoted us in writing to make up the payment, then said we owe more, and they were going to foreclose in   XXXX   XXXX   2017 we just want a payment we can afford to live in our home im applying for SSi im  XXXX  years old and hopefully they will grant it, we have no ideal whats going to happen now so any help would be a   XXXX   send.