WillisBack/dataset-financial-user-claim huggingface dataset:
An account with XXXX XXXX XXXX and XXXX was in dispute which unfortunately lead to being sent to collections. The details were worked out amongst myself and XXXX XXXX XXXX and XXXX in XX/XX/2018. They advised that they reported to all agencies that my account is no longer delinquent and not under collections. They advised that credit reporting agencies take up to 90 days to remove but they sent the request already in XX/XX/2018. At maximum, that would mean until XX/XX/2018 would that remain appearing on the report. To date, false information is continued to be reported on the credit report thus impacting my credit score I have worked so hard to improve all due to their delay or lack of following through with applying appropriate information. There are not any derogatory accounts nor are there accounts in collections and I desire for them to remove that indication on all credit reports. It is negatively impacting my interest rates on loans I apply for.
Collections Company PHOENIX FINANCIAL SERVICE has been reporting negative information of a debt to XXXX credit bureau in which I do NOT recognize that I am the owner of this Debt of {$30.00} dollars.
The debt from XXXX XXXX XXXX is on my credit account but I 've never been. Syndicated Office Systems seems to be the collector and I have not received a letter or a phone call from them. I called XXXX XXXX XXXX and I am not a patient there.
On XXXX/XXXX/2014, I see that a debt of {$210.00} was added to my credit report for a XXXX XXXX bill that was not paid. I have never had XXXX XXXX before and have contacted the company to let them know and they insist its my bill. I have only ever had XXXX.
Franklin Collection Company out of XXXX, MS , has been given a medical account that I do not deny I owe. I 've made several {$100.00} payments on this account to the original debtor. Admittedly, I fell on extremely hard times lately and have not made the {$100.00} payments in several months. The balance is now XXXX. Franklin Collection Company demanded XXXX down and a monthly payment of XXXX. I explained that I can not pay that amount. They then suggested that I pay XXXX installments of XXXX and the XXXX and said this was the best they could do. Otherwise, they would have to forward the account to legal for wage garnishment, etc. I reluctantly agreed to the XXXX down, even though I can not afford that. They sent an e-mail contract for me to sign that still reflected the XXXX down. When I replied to the e-mail that this did not reflect the terms agreed upon by phone, the reply was that the mailbox could not be accessed. So, how was I to send the signed agreement in the first place? From there, they have called my parents home, my job and my cell phone - even though I expressly asked that both my parents number and my work number be removed. I am a single woman, paid once per month and paying out of pocket tuition expenses for completion of my XXXX degree among other expenses. I can not afford the down payment terms. I 've expressed that to no avail. I need some assistance in dealing with this persistent harassment from this company.
On XXXX XXXX, 2017, I was charged {$2000.00} by a medical facility for medicine I had received but that I subsequently found out I did n't need. I returned the medicine to the medical facility and requested a refund. The medical facility took back the medicine but did not issue a refund. I then contacted my credit card company, BarclayCard and initiated a dispute against the {$2000.00}. A few weeks later I was contacted by BarclayCard and informed since I did not have a receipt showing proof that I returned the medicine they could not move forward with the dispute. I explained that the reason I was filing the dispute was because I did n't have a receipt. I was very upset and surprised to find that BarclayCard was unable to further pursue my dispute because that business did not provide me with proof that I had returned the medicine. I was shocked to find out that the burden of proof was on me to proof I had returned the medicine before BarclayCard would even contact the business. As my credit card company, and based on our relationship, I believed BarclayCard should be advocating and representing me directly in this dispute. If the Medical Center wants to respond to the dispute and state that I never returned the medicine, then let that be the case. But to take the side of the business over its customer, before allowing the business the opportunity to respond, is shocking to me. Barclaycard and I have a business relationship that will survive way beyond this one transaction with one this particular business. I expect Barclaycard to represent me in this dispute and allow the business to justify why they have not issued the credit. I can almost guarantee once the dispute is put forward the business will not contest it because that would mean that they are plainly lying. BarclayCard has now denied my dispute 3 times. They are requiring me to pay {$2000.00} for merchandise I do not have and was returned to the medical facility in new and never used or open condition. BarclayCard will not defend its customers against businesses that are unethical.
my credit is set up under XXXX XXXX for a purpose. The landlord/ management of this mobile home park in XXXX illegally checked my credit. How do I know this? the mobile home park sent me XXXX and XXXX XXXX as there is their right. However, I signed the lease as XXXX. XXXX XXXX only Experian, XXXX XXXX, and XXXX know anything about XXXX XXXX the lease signature is attached
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I paid off my Macy 's American Express credit card XXXX 2015. The card had XXXX lines and I sent XXXX separate bank cashier checks. XXXX 2015 I checked account to make sure payment had been applied. Both lines had been closed yet payments not applied. I spoke with customer service and faxed copy of both cashiers checks that had cleared bank in XXXX 2015. One payment was applied to the store line of credit but the Amex side has still not been applied 7 months later after numerous faxes and calls to company.
I opened a CitiGold checking account with Citi in late XXXX XXXX. At the time, they were offering a XXXX point XXXX bonus offer for meeting minimum terms within 2 months ; which I did. They were supposed to credit those points to my account within 3 months of meeting the spend, which at the latest would have been end of XXXX. I have written them and they have acknowledged that I met all requirements but then tried to say that they did n't have my XXXX number and would credit it as soon as I got it to them. This obviously is not true because on my account page with Citi it shows my XXXX membership information. I called on XXXX/XXXX/XXXX and gave them my information over the phone expecting an immediate response. Today, over a month later, I still have gotten nothing from them except they continue to charge me the {$30.00} fee to my account. Please Help
I honestly do n't understand this collection agency. I previously complaint about this agency and they told me to write a dispute. I did. They ask to close this file and states they are not doing any wrong.I ignored the fact that they kept hitting up my credit report during the dispute which I still have not received any statement detail with the expenses I owe and what services nor do I have a contract with Midwest recovery. I why are they keep hitting my report frustrating me. Could I get a lawyer for their actions and lack of professionalism it truly bothers me mentally when I do not owe this company and stressing trying to figure out how did they come about that amount. Below is proof they are constantly hitting up my credit report with negative activity.
In XX/XX/XXXX I filled out a loan agreement and added three stipulations to the agreement. I asked the student pay interest while attending school. I asked to be notified if the loan does not get paid and I asked the loan be denied if the terms were not agreed to by all parties. XXXX XXXX XXXX manipulated the documentation and removed all three stipulations. They then pushed the loan through and sold it off to NCT. My signature is not on the promissory note and I did not agree to the loan. In XX/XX/XXXX XXXX was the depositor on the note and they filed chapter XXXX. A large number of loans were dissolved as a result of that action. I am currently asking American Education Services for Proof my signature is on the documentation they have, for evidence the National Collegiate Trust has authority of the loan in the form of the loan location or batch number example:XXXX or XXXX, and validation the loan was not dissolved as a result of XXXX going out of business. I have been talking with AES over the past 11 years about this matter. I did provide a completed Fraud packet but they sent it back to delay the results of the investigation. They now request a new fraud packet for the purposes of obtaining my current contact information. I have one negative mark on my credit and that is AES. I pay all valid bills on time and pay off all debt I sign for but I will not pay extortion to a scam operation that will not take the time to validate the evidence they hold. I will not continue to allow them to effect my credit when I made them aware of the fraud 11 years ago. I have spent wel over 2000 hours on the phone and sent 100s of letters and emails trying to get this matter resolved. I have contacted two state governors and three IGs. I have written the current president asking for help. I have gone on social media to let others know of my circumstances and I am waiting for results. This is my seventh complaint about this company with the CFPB. Can you please look into this matter.
On XX/XX/2018 I was alerted through XXXX that a negative item was placed on my credit report and needed to be reviewed. Upon logging into the XXXX   XXXX XXXX   portal, I was alerted that FBC Mortgage has reported a account as 30 days past due. FBC sold my previous account to XXXX XXXX in XX/XX/2018. All payments prior to the sale of the loan were made on time or before schedule. I contacted FBC today and spoke to a customer services representative who informed me that yes, in fact FBC did report inaccurate information to the 603p bureaus. I asked for this to be corrected as it is the duty of the furnisher to ensure accurate information is reported to the bureaus. I do understand that FBC has 30 days to perform a re investigation as to the inaccurate reporting. However, I was told that I needed to provide complete copies of my personal credit report to FBC so they can do the re investigation. I should not have to provide proof to the lender if they reported the information inaccurately and they are the ones who have a contractual business relationship with that bureau ( s ). The customer service representative stated on a recorded line that in fact it was FBC 's mistake and was reported incorrectly. If I sent my complete credit report to them via fax or mail, once they received it, they would review my claim. 
My concern is that if I needed to apply with a lender and they saw a possible " 30 days past due '' on a real estate loan, that I would be considered high risk when in fact I am NOT and NEVER WAS past due on that loan.
Started receiving phone calls from Sunrise Credit Services. Stated they received my debt from XXXX XXXX. I have active service with XXXX. I called XXXX they stated they do n't have me in debt with anyone. Sunrise Credit Services continues to call me. They did not have my address so they claim they could not send me out a Proof of Debt letter. I gave them my address. They refuse to send me out a valid Proof of Debt letter. The lady said she could email it to me. Gave her me email address. No proof of debt letter. To this date they HAVE NOT sent me out a valid proof of debt letter which is legal under the FDCPA Debt Collection Act. 

They have put this erroneous debt on my credit which is in clear violation. I am requesting that they take this collection off of my credit report before I get my lawyer involved and sue them for violation of the FDCPA Debt Collection Act.
I purchased a mattress from XXXX XXXX on XXXX/XXXX/XXXX and chose to pay the mattress with their interest-free financing promotion given that the balance of {$5000.00} was paid in 36 months through GE Capital, which is now Synchrony Bank. I needed to set up my monthly payments online, and at the time, the only option I had was to pay the minimum payment each month. On GE Capital 's website, I could n't set a custom amount for the monthly auto-payment, as I wanted to ensure that I pay my balance completely before the 36 months. 


Every month, GE/Synchrony sends an email to my inbox with a summary of my statement, which contains only three pieces of information : due date, balance, and minimum payment due. The email does not display at all when the interest-free promotion will end. To further exacerbate the problem, the monthly emails from Synchrony went to the " clutter '' folder in my inbox and did n't get my attention until it was too late. 


When I finally had the chance to log into my account on Synchrony 's website on XXXX/XXXX/XXXX, I was shocked to see that I now have a balance of {$5800.00}. I learned that the promotional date ( XXXX/XXXX/XXXX ) was passed without any prior warning. I was able to see the promotional end date only after logging in to my account on Synchrony 's website. I pulled up my original purchase document and saw a statement saying " If the promotional purchase balance is not paid in full by the end of this Promotional Period, interest will be imposed from the date of purchase at the APR of 29.99 % ''. It became apparent to me that the minimum monthly payments I could set up three years ago did n't adequate cover the full purchase price. Still shocked at the revelation, I checked my statements from earlier this year and saw that the monthly payment to Synchrony kept decreasing every month and is no longer the amount that I first set up with. 


The significant problem with this loan structure is that all of the accumulated interest is put on the consumer all at once after a certain date has passed. What 's worse is that for people like myself who did n't recognize the huge balance increase right away, the auto-payment is still in place and is draining away my bank account every month. I feel that Synchrony set up the structure of the installment loan to not fully inform customers up front in order to profit as much as possible from consumers, which does n't feel right.
On XXXX XXXX, 2015 my aunt ( XXXX ) had a follow-up appointment with her XXXX. She had been hospitalized and was currently in a XXXX. The XXXX wanted a XXXX. He faxed an order to the hospital office which was just next door and indeed walked us out to the front of the building and directed us to where we were to go. We went and had it done. XXXX and her supplementary insurance initially paid for it but then withdrew the payments because they said that she should have had the XXXX at the XXXX. Medicare told me verbally that she was not liable for the payment.The physician had received documentation from the rehab so he knew where she was staying. Now the hospital is sending her ongoing letters and indeed a Final notice demanding payment as well as threatening to turn it over to a collection agency and listing it as a bad debt which will be detrimental to her credit rating. I feel the XXXX and those with XXXX are targeted as more likely to comply. I am her power of attorney and we are not going to pay for the mistake of others. To make matters worse, on XXXX XXXX the XXXX was repeated at the rehab because the Physician notes were unclear. My aunt should not have to pay for the mistakes of the professionals.
I am a XXXX veteran who has been the victim of ID theft numerous times. I have sent Equifax several valid police reports asking them to remove and or block fraud accounts on my Equifax credit report. they will not do anything to address this issue. I am in the process of filing a lawsuit against them for failure to comply with the law. I wish this matter to be resolved prior to having to go this route. Equifax also will not update my credit file to reflect the correct information that should be reporting. The following accounts are still listed and are fraud and need to be removed ASAP. 
XXXX
On Wednesday, XXXX XXXX 2015, a company called EOS-CCA called me referencing my student debts. They informed me if I did not enter into a " XXXX '' as of the date listed above, I would be subject to having charges pressed against me, and that my interest rate due to the contract of the Federal Student Loan I signed at the time I was in school has now risen to 6.8 % DAILY. The amount they said I owed was {$3000.00} dollars above the actual amount. After fearing that I would not be able to make my student loan payments and would be XXXX, they directed me to a website ( XXXX ) where I can print a " XXXX '' and send it back via e-mail. After feeling some relief that I would now be able to handle my student loans and would not be subject to face charges pressed against me, I did some research on the company only to find out they are a fraud. The phone number they called me from is XXXX, the extension number given to me was XXXX, and the " account handler '' only gave me her name as " XXXX ''. On the " XXXX '' I submitted to them, I gave them personal information such as, date of birth, home address, phone number, family size and my social security number.
With the increasing awareness on tactics of predatory student loans I believe there is cause for a investigation in the student loan company ECSI. 

At XXXX XXXX XXXX ( Tuesday ) I was unable to reach ECSI to pay my loan. Their web help line was unavailable and their phone lines indicated there was a 20min wait time. After leaving a message to be called back, my number was never returned. I 've attempted to contact ECSI many times in the past with similar problems. 

Considering my significant balance with ECSI of {$53000.00}, my monthly interest accrual is approximately {$210.00} per day, so around {$7.00} per day. 
Delays in the ability to conduct payments or discuss account problems causes undue financial burdens on the customer. 
Moreover, when trying to give a one time payment on my account, I am unable to pay the same day or day after and only have the option of paying on specified days put forth by the loan company, the soonest date being XXXX XXXX, 2017. By delaying my payment of {$25000.00} until the XXXX, I continue to accrue a higher debt load as the loan balance is higher over further increasing the amount of interest owed. Also, as I 'm unable to put in a one time payment, I need to set the auto payment to {$25000.00}, have the payment go through on XXXX XXXX and then login again and switch the auto payments back to the monthly amount. NO OTHER STUDENT LOAN COMPANY makes their customers do this. This also sets people up for failure. Moreover, their website is down frequently and is very difficult to navigate making mistakes more likely. 

After finally getting through to a customer service representative, he confirmed that yes, there was not way to electronically put in my payment sooner than XXXX XXXX. He also said they were updating their website and he would send me the link to the new one but he never sent it. I asked why I was n't able to access this when I searched for their site online. 

Please please look into this company. I had loans with XXXX and this company is going the same thing! Sincerely, XXXX XXXX, XXXX
My information was stolen from XXXX due to their poor network security. They are unable to show in a meaningful way, and indeed do not seem to know per reports thait their website generates random responses when SSNs are entered to check if data was compromised, who was affected. Instead, they are attempting to offer " free '' credit monitoring services that I do not need and are likely just an attempt to bait-and-switch consumers into continuing onto a paid monitoring plan at the end of the one-year period. Their sloppiness in allowing my data to be stolen, which is fundamentally the result of lack of government oversight, has made me spend time placing alerts on my file, and now I will have to continuously monitor my credit reports.
I made a purchase with my Macy 's American Express account in XXXX XXXX for {$48.00}. I would get my statements delivered to me through my online banking service. When I tried to use my card again in XXXX XXXX, it was declined so I called the company. They said my bill was 2 months overdue. I explained I had not got a statement at all and I did not use the card monthly, therefore, I did n't track whenever I was supposed to receive a statement/make a payment. They offered to forgive {$19.00} of my fees/interest charges. I had always paid my bill on time in full. In XXXX, my credit union switched to a different online bill pay provider, but my credit union stated that Macy 's should have sent me a paper statement. I called Macy 's American Express again and this time I was told that there had been a letter sent out in XXXX stating that they were no longer going to be sending statements electronically through my credit union 's bill pay. I do not recall receiving this at all and what I do not understand is why the company never sent me any statements until I asked them to.
Since XXXX 2013 I have have this cell phone number. They are calling for a XXXX or XXXX XXXX. I am neither. I haverepeatedly called them back and told them they have the wrong number. Yet they continue to call. This time, they called and left a number so for the 400th time I called it back. XXXX XXXX. They all from XXXX. Called this number back also ... does n't give you any information. I think I have been pretty good about this after over two years of the same phone calls. I, again, am not XXXX XXXX..nor is my name XXXX XXXX. No where close to my name. Please make it stop. Their number does n't even show that they called because I was going to file suit against them. Amazingly it does n't even show that they called on my bill ... .Weird ..bc I have the voice mail.