WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I received a credit report alert for the first time through XXXX notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named Harris & Harris. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted Harris & Harris to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number.  Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.
We have a company sending a demand notice she said it is not a school loan we filed a chapter XXXX bankruptcy on XX/XX/2012 I called them they will not provide any information regarding the account it is on our credit and we are trying to buy our XXXX house please help the name of the company is educational computer systems inc.
They have reported on my credit report XXXX accounts that are still open and not showing paid. XXXX for Synchrony Bank/Care Credit and the other for XXXX XXXX XXXX. XXXX have been paid, Care Credit XX/XX/XXXX and XXXX XXXX XX/XX/XXXX.
I had several fraudulent transactions in my account that were generated by the same person/company. Upon reporting it, Ally has refunded the money on most of them. However, they initially refused to refund the very last transaction. Their reason was that I reported it too late. However, I report the very next day after that last transaction. After views, they refunded a portion of the fund, {$3400.00} out of {$5800.00}. When I asked them, they could not tell. This is after numerous phone calls and hours of waiting. Upon my pressing for an answer, they promised a call back within three days from an Executive group employee, but it never happened. When I called again this morning, I was told to patiently wait. The fraudulent transaction happened on XX/XX/2018. It has been almost 3 months. I don't think this is acceptable. Please help.
Key Bank reported forgiveness of student loans to me as cosigner, which would be reported as my income to the IRS on Form XXXX. This process is a duplicate of the same forgiveness in 2011 for which I have the Form XXXX reported then.
XX/XX/2017 Account Control Technology Collection Agency XXXX XXXX XXXX, XXXX, Ca XXXX  XXXX ( XXXX ) XXXX Today I spoke with a XXXX, a representative from this collection agency. I inquired about any student loans I may have with this company, because after calling the US Dept of education I was given the above number so I could check with Account Control Tech.
I inquired about why she has my personal information and that I never had a loan with account control and she said well I contract with US Dept of education, so I asked how can you work for account control as a debt collector and for US Dept of education at the same time.
I told her I feel like this is fraudulent and I owe Account Control anything. I told her to do not use my personal information or contact me, or it will be harassment. I was also threaten to have my pay check garnished.
I have her to validate my debt and to send me a contract with my wet signature that I supposedly signed.
I am asking for my debt to be discharged, because of threatening of my and my kids well being about taking my wages and for committing fraud and saying that she works for the US Dept of Education when in fact she is a debt collector.
XXXX XXXX is CFO of this place.
XXXX.
I borrowed {$2500.00} in XX/XX/XXXX. 8 payments of {$290.00} and 1 {$170.00}. If I were to pay this off today I would owe {$3100.00} after making all these payments. {$4.00} of each payment goes to the principle of this loan. I have asked for a hardship payoff due to a series of medical issues since XX/XX/XXXX. 1st an accident at work and then XXXX XXXX XXXX XXXX on my XXXX. I missed almost 3 months of work. I believe that this interest rate and loan process is so wrong. I also know that I was the XXXX that signed the paper. I want people to know not to do this. The XXXX XXXX  counselors almost talk you into getting the loan saying things like " I know you can pay it off sooner '' .. They basically schmooze you into thinking you can afford this.. After final payment the total I will have paid is {$14000.00}. There should be laws protecting vulnerable and gullible people like myself.
I have submitted XXXX written requests and made numerous phone calls to Bayview Loan Servicing to obtain a breakdown of the activity on my mortgage account. I am in chapter XXXX but I make the payments directly to Bayview each month. I have been told that it is not their policy to send monthly statements of account to CHXXXX clients. I do not understand this because before XXXX XXXX XXXX transferred my loan to Bayview, XXXX XXXX XXXX did send monthly statements. I have made XXXX of the 60 monthly payments required under my monthly plan. I am not in default. Bayview has also failed to send the XXXX mortgage interest statement required under IRS regulations. They offered to give me a figure over the phone but obviously this information must be reported in writing. As I am typing this, I just spoke with Bayview and they state that the XXXX will be faxed today or tomorrow. They also stated that because I have an attorney of record on my account. their policy is not to send me any information but to report it to my attorney instead. The problem is that my attorney states that Bayview has not sent them the requested information either. I have experienced problems with accounting errors on previous mortgage accounts and it is important that I know how my payments are being applied. I know that the law requires Bayview to provide me with a detail of how my payments are being applied as well as my escrow and principal balances. I believe that I am not the only client of Bayview who is not receiving information on their account. I am attaching a copy of the XXXX the letters mailed to Bayview in XX/XX/XXXX and XXXX XXXX the XXXX letter was also faxed. I would appreciate any assistance you can offer to facilite my receipt of the transaction activity and balances on my mortgage account. 
ThanksXXXX XXXX
I have a debt from  XXXX  listed on my credit report that is in collections but I never had an account with  XXXX . The  Collection Agency Convergent Outsourcing , Inc. is   the  XXXX  reporting this debt on my credit file. I have used  XXXX   XXXX   XXXX  to try to get it removed as they have not sent any type of communication on when I actually did obtain this said account with  XXXX .  XXXX   XXXX   XXXX  was not able to get it removed as the collection agency is not responding back to them with proof that this is my debt.
Went to XXXX XXXX XXXX in XXXX TN to purchase XXXX XXXX. When it came time to get with finance dept. the gentleman XXXX XXXX XXXX ) helping/robbing me told me I HAD to purchase extended warranty to get any financing. He added a {$1500.00} " XXXX XXXX XXXX premium to my contract. I had purchased from this dealership previously and was told the same thing. At that time I did n't think to question it. That finance guy was XXXX XXXX, who I just learned was been promoted to management of the dealership. Guess I know why. Sells exorbitant policies to people every chance he got to increase his sales and commissions.
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days late in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
i have attempted to dispute multiple inaccurate items from my report and the bureau keep verifying the wrong information and illegaly placed information as accurate and verified. i have received absolutely no items as proof that an investigation occurred. it has been over XXXX days and i have not received and investigative results. they are reporting wrong information and refuse to delete or fix.
Yes Coinbase has not transferred any funds into my checking account even though it shows complete on XXXX XXXX and I have a XXXX balance on Coinbase and no funds have been put back into my checking account. It 's been over two weeks with no response even though I filed multiple cases. The amount was {$1000.00} and I have contacted my bank and nothing has come in even though Coinbase did a wire transfer to verify my bank account. They took my money asap but will not replace it. Please help!
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have never lived at this address. 

I would like for it to be removed from my credit bureau on Equifax and any other credit reports.
In XXXX me and my ex wife divorced. In the divorce decree I was to take over payment of the house, and she quit claimed deeded the house over to me. We were in Chapter XXXX Bankruptcy before the divorce and I continued making the payments to the trustee and it was discharged in XXXX XXXX. I attempted to contact Ocwen Loan Services to establish a routine pay habit, Ocwen advised me they could not talk to me due to I was not on the account. I argued with them and told them of my situation and that it was a joint home loan, and my ex wife has not been seen or heard from in three years with no way to contact her, and I also told them she was incarcerated and after being released she has been anonymous to anyone. They advised I was nowhere on the account, I again advised them they were in error and asked for an address to send the payment, ( which was not late ), i sent payment which they did not accept. I have been trying to refinance the home and was pre - approved due to my discharge and being remarried and having ample income to support a refinance. I have called Ocwen over XXXX times with the same response, " we can not talk to you '', the underwriters today, XXXX/XXXX/XXXX, did a XXXX way conference call with Ocwen and witnessed the same treatment and agreed it was insane due to my credit report now showing 60 days late on the payment and it is a joint account. I again contacted Ocwen and advised them if it shows up on my credit and that it is a joint account that proves I am on it and I want the delinquency removed from my credit report, they again would not talk to me nor let me pay stating i am not on the account. Now the underwriters stated they could not approve the refinance becaus of the 60 day alleged delinquency. Please help me get this taken care of, also I see many complaints on this company for bad business practice.
My wife and I recently sent an investigation request to the credit bureaus. We are attaching a copy of the letter we sent, with our identity verifications attached. Well over 30 days have passed, and we have yet to receive any responses.
Purchased a motorcycle in 2007 which was financed by HSBC Bank Nevada NA. Got behind and loan was turned over to XXXX XXXX XXXX for collection. Paid off debt but unable to get a lien release. HSBC Bank has the lien on title but sold this lending division to XXXX. Have contacted HSBC and XXXX numerous times trying to get a lien release and no one will send me one.
This is a complaint for credit card denial dated XX/XX/XXXX. The reference number XXXX for denial. I and discussed my credit history and stated the conclusion could not be correct based on the facts. They denied me for late payment I have not had a late payment since XX/XX/XXXX when I filed bankruptcy form the recession. I have a credit score of over XXXX and income of over {$100000.00}. I told them i would provide my tax return. I have less than {$32000.00} in total debt and {$30000.00} of that is on installment loans with payment of {$1100.00}. I told them the reason i had inquires was to get a business line of credit because my company was expanding and sales has increased over 300 %. So given that information it's not clear how I could be denied.
I made a payment of {$90.00} through Paypal to an online seller. But I did not receive service as described. I did not ask for a full refund, but the seller refused to partial refund. I opened a dispute on Paypal. But I accidentally closed the case and Paypal did not allow to reopen it. I lost {$90.00}
In XX/XX/2018 my loan with XXXX  XXXX was sold to XXXX XXXX/Shellpoint Mtg Servicing. XXXX XXXX transferred my loan information to XXXX XXXX/Shellpoint with a negative escrow balance of {$480.00} for flood insurance. This was in error because I have had continuous flood insurance coverage since XX/XX/XXXX. I have never had an escrow account, as I pay all my taxes and insurances myself. I addressed it immediately with XX/XX/XXXX/Shellpoint because my first statement from them showed the negative escrow balance of {$480.00} and they added an escrow account and increased my 30 year fixed rate payment. I have called, faxed and emailed several times a month since XX/XX/2018 to get the corrections made. Each department says it's up to a different department to fix it. As of XX/XX/XXXX, I have repeatedly submitted evidence of continuous flood coverage dating back to XX/XX/XXXX including the letter from XXXX XXXX. XXXX XXXX will not help, they state they do not have any files or information ... that everything was sent to XXXXXX/XX/XXXX/Shellpoint. XX/XX/XXXX/Shellpoint puts me off continuously by stating a variety of non-sensical and non-applicable reasons for not making the correction. The last supervisor I have been speaking with in the Insurance Department ( XXXX XXXX ) states that " he is waiting for response from his contact at XXXX XXXX ''. This is FIVE MONTHS of being blown off by XX/XX/XXXX/Shellpoint ... all the while my FIXED Mortgage payment increased {$40.00} per month. I have NEVER had a missed or late payment on my mortgage and I do not want XX/XX/XXXX/Shellpoint messing up my excellent credit because they can not be bothered to correct the issue.
The complaint is between XXXX XXXX XXXX & the XXXX Chase XXXX Rewards Card that I hold.

I purchased a vacation through this service on XX/XX/XXXX in the amount of {$5500.00}, charged in full to my XXXX Chase XXXX Rewards credit card.

That purchased included an itemized summary of Flight & hotel. Ground transportation. And a Package Protection Plan.

The Package Protection Plan cost {$340.00} in premium and policy stated on Page 1, the right to change or cancel for any reason prior to the scheduled date ( XX/XX/XXXX ) for a full refund.

I canceled the trip on XX/XX/XXXXover the phone with XXXX XXXX XXXX and was verbally today the amounts of the refunds that I was set to receive. In no particular order, Hotel was to be refunded in the amount of {$2200.00} Ground Transport was to be refunded in the amount of {$300.00} and Airfare was to be refunded in the amount of {$2700.00}. I would stand to lose the insurance premium as expected in the amount of {$340.00} The amounts {$2200.00} and {$300.00} were refunded promptly ; however the amount of {$2700.00} has yet to be refunded, now four full months later.

Calls to XXXX XXXX XXXX XXXX were made at least 10 times. Documented online requests through customer service are available for review on XX/XX/XXXX. Phone calls to offshore agents and elevated to supervisors on staff were made, notably a saved voice mail on my cell phone dated XX/XX/XXXX indicated that I should not worry ( supervisor ) that the refund and confirmed amount of {$2700.00} was being processed.

XX/XX/XXXX - I wrote a letter to the firm documenting my complaint.

Today,XX/XX/XXXX i logged another phone call to a " supervisor '' again being told that the amount of refund was above his authority, but that he was elevating it to the right level to assure me that it was being processed.

Four month 's later, at an interest rate of over 21 % - I am sure that I have paid well over {$2700.00} I am owed this money without question. The insurance policy that I purchased was purchased indeed to protect me from this very issue. Perhaps I also have an issue with the XXXX Casualty Insurance Company, pursuant to policy number XXXX
I have disputed an inaccurate account on my credit report from XXXX XXXX XXXX. They are reporting absolute false info, by stating reporting that I had an installment account with them, even showing 36 on time payments thru XX/XX/XXXX, then defaulting to a charge off status after that. There has NEVER been an installment account with them. I even confirmed this by phone with XXXX XXXX XXXX, and supposedly XXXX with XXXX documented such facts so that it would be reported when disputed. This account was an " overpayment '' of a Pell Grant given to me in XX/XX/XXXX when I was attending XXXX XXXX. Then billed me for overpayment of {$180.00} for 120 days, before turning it over XXXX XXXX XXXX to collect. I have disputed this on THREE separate occasions with both XXXX  and Equifax, demanding they do their job and investigate this false reporting, however, XXXX XXXX XXXX continues to " verify information as correct, '' and the Credit Bureau continues to accept such false verification without the documentation I have requested validating the accuracy of the account. They have continuously violated the FCRA sections 611 and 623. I filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and complaint was closed advising me to deal with XXXX XXXX XXXX regarding issue. Clearly it wasn't noted that I had already made several attempts to do that, hence my seeking help from them for a resolution. Therefore, I have sent it to the CFPB Ombudsman for second review. I was advised to file separate complaints for each credit bureau.
My mortgage loan was transferred to another company and I was never notified. My mortgage payments were returned to my bank account, during XX/XX/XXXX- XX/XX/XXXX, and now my mortgage payments are in default. A company named XXXX XXXX XXXX XXXX is now threatening me, and stating that my house in going to be foreclosed unless I pay over {$17000.00}. As of today, XX/XX/XXXX, my mortgage payments are still deposited into the original mortgage loan account. XXXX XXXX XXXX XXXX notified me that my payments are being received under the original account number that I have been using for the past 20 years.
Hello, I am writing in regards to a civil judgment from a company called Gurstel Chargo. They are a bad debt buyer and purchased a debt from a charged off account with XXXX XXXX Bank. I owed just over {$1000.00} and went to court to dispute it due to the hardship it would cause, but the deadline had passed and I lost, so my checks have been garnished for the past 9 months. I calculated the amount owed compared to the amt taken from my paystubs and I show that it should be paid in full. Yesterday, I received a letter stating that a company called XXXX XXXX was going to start garnishing me for the exact same account. I had only XXXX XXXX XXXX Bank account. I sent an email to Gurstel Chargo 's attorney and requested the balance and the amount owed and explained that XXXX XXXX was trying to garnish me again for the entire amount, ( which I know has been paid in full ). They will not respond to me. I checked my annual credit reports and sure enough, it shows the XXXX XXXX account was sold to another party and then sold again. I have paid this is full yet am being charged again for the entire amount I just paid off. What can I do?
1. I authorize withdrawals from my checking account for my payment and they do not come out. Example : I authorized a withdrawal on XXXX/XXXX/2015. It 's been 4 business days and the payment has not come out yet. Then the bank says that my payment is returned. I have enough money in my account, it just is not debited. I paid XXXX other bills, XXXX the State of Oregon, and the other the IRS, on XX/XX/XXXX. XXXX payments, also through checking account debit, came out the same day. 
2. Chase has locked me out of my online account access. I tried to log in using my account number, my social security number, and date of birth, and it locked me out. I called. I was on the phone for 24 minutes and when I finally got to someone who could help, she asked me security questions like what streets I 've lived on and where I 've worked. She told me my answers " could n't be verified ''. I do not know where Chase is getting their information about ME, but it is not correct. I KNOW where I have lived and where I have worked. I wrote them a letter to this effect, but did not get a response.
Rushmore Loan Management Services has continued to give me conflicting stories on why an analysis of my escrow account has increased my monthly payment. Additionally, Rushmore failed to have the proper documentation on file causing my taxes to go delinquent. They stated to me that they had the wrong parcel number causing my taxes to go delinquent. Rushmore failed to notify me of their errors verbally or written and in the meanwhile, I've received dozens of letters from private organizations offering to help me with delinquent taxes. In talking with Rushmore, they are blaming XXXX XXXX XXXX and not taking ownership. After speaking with a lady named XXXX on XX/XX/2018 and not receiving a call as agreed upon on XX/XX/2018 or a letter in the mail, I spoke with a lady named XXXX who informed me my monthly payment was going to go up 41 % based on Rushmore mistakes. This is unacceptable and I should not have to bear the mistakes Rushmore has made. This is totally unacceptable and Rushmore should be held accountable for very, very shady business and ethical practices.
The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.
Getting daily calls on my wireless phone that do not announce who is calling from XXXX. If I follow the voice prompts for English I get a dead line with no response. I called the number and got Commonwealth Financial Services. I am not aware of any outstanding debt or previous debts that were sent to a collection agency. This appears to be an attempt to get me to pay them so they will stop calling me? I requested that they stop calling me. If this is a legitimate debt I see no reason they should not contact me by mail with the details. I have not received any notices of unpaid debts or of any action by a debt collection company.
On XXXX/XXXX/XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from XXXX XXXX and XXXX  that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.