WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX has never sent me a outstanding bill/debt, I contacted them and tried to resolve this issue many times since it has shown up on my credit report and they have no information when I have contacted them. They do not provide the account number, why there is a outstanding bill, etc. I have asked for info and they have not provided any. There was no balance due when I shut service off when I lived in Pennsylvania, I never owed them anything I even made calls to make sure at one point and was always told my balance was {$0.00}. I am beyond frustrated that after many times of contacting them they still are unable to provide proof that there is anything owed to them from a outstanding balance.Now I have them showing up on my credit report for {$230.00} and they have no reason why. I want this removed as soon as possible. 

Thank you XXXX
Our car was stolen with my wallet in it. It had my debit/credit card. The thief used the card via debit several places before we discovered car gone charging XXXX at several stores. Our bank investigator was hateful and denied charges. We reported it stolen with a few hours. The bank denied us and said they wont give us out money back, None of it. Commerce Bank
Auto lease was entered into XX/XX/XXXX. Lease terminated XX/XX/XXXX. Communications about late payments and additional amounts due to creditor ( Ally Financial/GMAC Financial Services ) began XX/XX/XXXX. According to the Fair Credit Reporting Act, a negative credit item can remain on a credit report for 7 years FROM THE DATE OF FIRST DELINQUENCY. The first delinquency of this account occurred no later than XX/XX/XXXX. No additional commitments, payments, or communications took place on my behalf during any subsequent time. This creditor continues to report delinquency, collection, and charge-off to this day on Credit Bureau files. Under Section 623 ( a ) ( 5 ) of FCRA : A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on that account, which shall be the month and year of the commencement of delinquency on the account that immediately preceded the action. 
Therefore, I demand that Ally Financial be held accountable and remove this negative item from all credit reporting, dating back to XX/XX/XXXX. Thank you for your assistance in this matter.
got a letter from a collection agency stating I owed XXXX XXXX dollars for an apartment I had six years ago. I called the apartment complex and they told me it was a scam.
After closing on a home on XXXX XXXX 2015 I received a call stating that I owe the seller {$2500.00} because of a mistake made by the title company. I was confused why the title company wanted me to write a check to the seller after we already closed and monies were exchanged. The title company made the mistake which ended up being a {$5000.00} benefit to my side of the HUD. I am now being sued for the {$5000.00} plus interest and attorney fees. I was summoned the week of XXXX XXXX 2015 after returning home XXXX. I am recently divorced and have no money to afford a lawyer or pay the {$5000.00}. I feel the mistake was made and there were plenty of people involved to review the HUD before receiving a clear to close. I need help please. I 'm very worried.
In the XXXX transition to XXXX debacle, I was denied access to my XXXX statements and records. When I got onto my XXXX account, I was not able to access my records. I was not able to access my records on XXXX because I was n't sent a XXXX card. I assume if I never get a XXXX card, my XXXX records would be lost to me forever. 
Would that be legal? Can a credit card company deny me access to my records?
I have repeatedly disputed false inquiries on my credit report with Experian while sending proof that the original creditors either have no record of my inquiry or that I have received no response from the original creditor. After numerous calls and escalations Experian has failed to remove these false inquires. Please uphold them to their jobs.
I was alerted to fraudulent charges made to my Chase credit card account in XX/XX/XXXX. Later that month, I discovered additional charges made to XXXX that I had not made and identified were connected to the additional fraud attempts on my card. I notified Chase and they removed the charges. 

In XX/XX/XXXX, I noted that the charges had been rebilled to my account. I reached out to Chase who asked that I contact XXXX/provide screenshots of my purchase history. I forwarded an email from XXXX confirming that I had not made a purchase from their site since XX/XX/XXXX. 

There were five charges made : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX I was contacted by Chase on XX/XX/XXXX who indicated that this was not sufficient evidence that I had not made these charges and my dispute was denied.
on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX XXXX  $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XX/XX/XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XX/XX/XXXX and XX/XX/XXXX you have no payments at all reflected, I can understand XX/XX/XXXX but NOT XX/XX/XXXX and XX/XX/XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.
Tried to activate a prepaid card with netSpend, they wanted me to submit paper proof of drivers license, birth certificate and social security card. No other service has ever asked for that when activating a PREPAID card. Then I could n't get a refund, they made the card a one time use, did n't get the fee I paid for the card back just the money I loaded.
CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
account paid off on XX/XX/2019. After reaching out to First Federal Credit Control, they assured that they took necessary steps to remove the account and suggested I dispute it with the bureau. After disputing the collection with the credit bureau, the results stated that the information was confirmed by the creditor to be accurately reporting. I reached out again to the creditor who advised it may take up to six months for the reported information to change, which I know to be inaccurate.
My husband and I purchased a home for {$98000.00} with XXXX down, we financed {$96000.00} at 9.25 % interest rate upon which we now owe {$94000.00}, and now that we are ready to refinance our current mortgage company is refusing to accept a refinance unless the entire interest for the life of the 30 year loan is paid ( interest fees at 30 yrs 9.25 % = {$180000.00} ) in addition to the current balance of principle owed. Is this legal?
Hello, I am XXXX XXXX. My property at XXXX XXXX XXXX, XXXX XXXX, Arkansas is being attempted, to be foreclosed on by Ocwen Loan Servicing, LLC.  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. The alleged account number is XXXX, I own this property outright and is in my possession. There is not anything owed on it. I was given an IRS XXXX form for settlement in 2016 ( see attached ). Ocwen XXXX XXXX, XXXX. is harassing me by calls, letters, and statements, etc ( see attached ). for approximately 2 years on paying a debt which does not exist. Also, Ocwen Loan Servicing LLC.has not released any property liens. I request they release these liens because property is paid off ( no balance remaining ). My contact number is XXXX XXXX XXXX please send all correspondence to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arkansas XXXX.
XXXX XXXX from Kinum Incorporated has been repeatedly calling me at work and announcing herself to reception and then to my boss as debt collector in an attempt to shame me. I called her back today and told her I would be able to pay the debt in two weeks but not today and she was abusive and hostile ending the call by screaming " sure you will lady! '' and then hanging up. My husband called back to speak to XXXX XXXX but she refused to speak to him to resolve the situation. I am humiliated and will not tolerate this harrasment. Please help me resolve this issue.
The collecting agent used extremely rude and abusive languages when they called me before XXXX XXXX and during my work. When I try to get more information about what this debt about, they are refuse to give me more details and keep asking me to give out my personal information. When I refused to give them my personal information, the representative threatened me then hang up on me immediately.
We had a second mortgage with XXXX XXXX XXXX XXXX XXXX. This account went into foreclosure. XXXX XXXX XXXX XXXX XXXX was the property. The foreclosure was X/2012. 

We started the process of purchasing a home and noticed that they were reporting a balance on the account. We called them and they were very nice and said that they would change the reporting. They did not, when we went to close on our house they would not change it on the credit report but did allow for the change directly to the mortgage company we were purchasing from. We would like the account shown as closed and XXXX balance on our report, just as they reported to our mortgage company. 

XXXX and XXXX XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX
On XXXX at XXXX am XXXX XXXX received certified letter requesting proof of original application, contract, any and all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), XXXX XXXX is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. I am also aware that the Health Insurance Portability Act or ( HIPPA ) regulations in the United States prevent any medical documentation to be shared. In addition XXXX XXXX received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since XXXX XXXX has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.
When my credit was pulled on XXXX it came to my attention that there where XXXX medical collections reporting from the same collection agency that I was completely unaware of. I had XXXX XX/XX/XXXX and received numerous medical bills which I was under the impression I had made arrangements or paid all of these in full when they were received. Never did I receive any notices from any collection agencies or that would 've been an obvious sign they were n't paid and I would 've paid them. When my wife called this collection agency on either Thursday or Friday of last week, she asked if they had ever sent me notice of either of these supposed debts and the representative responded stating they had never sent anything but the hospital did so they do n't have to. She also stated they had just sent XXXX of the collections back to the hospital so they no longer had it anymore but the other they did have and I needed to pay it. I was under the impression however that they have to send notice giving the consumer 30 days to dispute the validity and to request verification. Without sending that notice, it was illegal to report the account on my credit report. I was also under the impression that 5 days after the first point of contact, they had to send a letter and it 's now been 7 days and I 've still yet to get anything from them. I 'm unsure as to whether this debt is truly owed or not because I 've not been given the appropriate time to investigate the account per law and being that I 've paid so many of these bills, it 's quite possible it has been paid especially since there were obvious mistakes with the XXXX collection they supposedly sent back to the hospital. If the debt is truly owed, I have no problems with paying but I do feel that the correct procedures need to be followed so that I could 've paid it to prevent it from hitting my credit report and I was not given that opportunity.
After XXXX filed a civil suite for collection, an agreement and imidiate payment was made to thr lawer they used. Then a week later they continue to try to collect the debt.
I needed urgent dental work done last XX/XX/XXXX XX/XX/XXXX and had no money available. The dentist suggested applying for a Care Credit card. The office let me know that they offered 12 months no interest. Because the promotional period is over, I've now been charged {$570.00} in interest all at once. My balance was down to {$1400.00} but because of this added interest it is up to {$1900.00} more than I owed originally for this one and only charge of {$1900.00}. I knew there was no interest for 12 months but was not aware that I'd be charged interest on money I've already repaid. This seems like a very unfair practice, it's like being charged twice.
I had a credit card with XXXX XXXX. Card # XXXX XXXX XXXX XXXX. Card was open on XX/XX/XXXX with a limit 0f {$1600.00}. At some point I had financial difficulties and was not able to keep up with payments. Eventually, credit card amount was charged off by the company. But I was able to settle the account in XX/XX/2014. Despite meeting my obligation, the account has not been updated w/ credit bureaus. I have discussed this twice with XXXX XXXX without getting anywhere. I would like help to get XXXX XXXX to update this account with credit bureaus. 

Thanks.
My credit card had a fraudulent charge posted to it and it took a few months for the credit card company to investigate and confirm that the charge was in fact not mine. I have not been able to get a straight answer from them as to whether or not this statement of fraud has been reported to the major credit bureaus. I am now looking to purchase a condo and just want to make sure that this is cleared up and is not showing that I have defaulted on payments when the charges were not mine and they took an extended time to investigate and told me it would be taken care of. I received a collections letter from a collections agency in attempt to have me pay the fraudulent charge. After initiating a fraud investigation, I then received another collections letter for the interest that was charged on the fraudulent charge that I had not paid ( because the interest was from the incorrectly posted charge ). The credit card agency my credit card is through is XXXX via XXXX XXXX XXXX under license from XXXX XXXX XXXX XXXX. The phone number for cardmember service is XXXX. Thank you for your help.
On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. 
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. 
I am a XXXX Military XXXX/XXXX who temporarily lost my source of income after becoming XXXX, awaiting XXXX Separation. 
After regaining my income I furnished paid amounts to XXXX ( A Failed Bank ) and XXXX XXXX XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. 
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. 
I furnished documentation and findings from U.S. Department of Labor, Office of XXXX Adjudication and Review, OPM XXXX Retirement Specialist, Department of Veteran 's Affairs and XXXX County Appraisal District and IRS regarding my Application/Approval for Residence Homestead Exemption. 
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. 
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. 
I proceeded to Re-instate my mortgage with XXXX by paying ( 6 ) Payments of {$1800.00} for a total of {$10000.00}. 
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. 
The Letter from XXXX ( Office of the Consumer Ombudsman ) seems to be unaware and fail to provide the documentation. 
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. 
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. 
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. 
I feel this is a slap in the face for my contribution and service to my country. 
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. 
T/Y!
PHH Mortgage underpaid our property taxes by {$1300.00} and we had a lien on our house as a result of their failure to pay the City our taxes. I would like PHH to allow us to close our escrow account and let us pay our own city taxes and homeowners insurance. 

After hours of phone calls they over-nighted the difference in payment on XX/XX/XXXX to the city and the lien was removed from our house. Since then they have charged us random amounts each month to make up for the low escrow balance and have been putting the majority of our monthly payments to escrow and not to our principal and interest. Since their initial mistake, the average breakdown of our payment each month has been 54 % to escrow, 30 % to interest, and only 16 % to the principal. 

We transferred money into the escrow account in order to have our contributions to principal and interest go back to a reasonable rate. They have recently refunded this " overage '' in our escrow, making it so we would again be short for our city taxes this upcoming year. On XX/XX/XXXX we requested by phone the paperwork to close the escrow account so we can pay our own city taxes and homeowners insurance. We never received the paperwork and called again on XX/XX/XXXX and they said they sent a letter indicating that we are not eligible to close our escrow account. We did not receive this letter, although we have had other correspondence from them. The customer service representative we spoke with did not know why we would not be eligible to close our escrow account. We have paid off 44 % of our loan. 

If they can not pay our taxes or estimate our escrow correctly and the majority of our payment goes to fund our escrow account, rather than principal and interest, we will be paying more in interest than we should be paying, especially over the life of the loan. 

I would like PHH to allow us to close our escrow account so we can pay our own city taxes and homeowners insurance.
My wife received a letter dated XXXX XXXX, 2016 from " XXXX '' at Chase Bank USA, N.A., XXXX XXXX XXXX, XXXX thanking her for her alleged application for an AMAZON.COM Visa Signature card and requesting " more information. '' She had not applied for such a card ( or any other card at this time ) from Chase or Amazon and, indeed, had not contacted Chase for any reason. Two days later, she received a letter dated XXXX XXXX, 2016 stating that the sender had reviewed her " application and credit report and are unable to approve your request at this time for the following reason : Obligations too high relative to income. ] '' For further information on the basis for Chase 's rejection of the application we never made, the second letter referred my wife to XXXX. We are concerned that Chase, or someone purporting to be Chase, is trying to snare credit card business through the use of false and misleading correspondence, and that in furtherance of that scheme has sent a credit inquiry about my wife to a credit reporting company, thereby potentially damaging her credit rating.
This compliant is for The XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. In 2008 Bank of America purchased XXXX XXXX XXXX, XXXX for XXXX XXXX dollars. All of Countrywide 's CWAB certificates were paid in full. Also, the Federal Housing Administration, FHA, XXXX XXXX and XXXX XXXX executed settlement agreement with BofA releasing all liens. One way or the other these asset backed certificates became Real Estate Owned, REO properties ; and is listed so with the XXXX XXXX XXXX XXXX ; and when you contact their XXXX to verify status of your property ; the response comes back as REO property ; and to contact the master servicer which is BofA. 

Therefore, I need verification that our property ; XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX is Real Estate Owned, REO, property by the bank, and/or XXXX.
I obtained a XXXX XXXX in XXXX of 2015 on a lease. Last month they filed a late payment with the credit bureaus. As a result I can not get my mortgage that I was pre-approved for. According to my payment history I have made 19 payments, which is one payment ahead of schedule. I have had to call every other month due to the poor finance department record keeping. I contacted the finance department a few hours ago and asked them to contact the credit bureau to remove the late payment. Their response was that they can not call and have it removed. My KIA MOTOR FINANCE act number is XXXX. I have had countless phone calls in regards to my act. The one month that I was 1 day late, I contacted them to let them know that I would be paying it on that day and they reason why I was late. My husband passed away on XXXX XXXX and I was dealing with his death, the estate and removing his possessions from his apartment. They told me that it would be noted and that there would be no problem.
Equifax has a collection report saying I owe {$290.00} from XXXX. It was originally from an old XXXX cell phone bill. I paid XXXX a long time ago in full. I filed a dispute XXXX times already with equifax and every time it comes back saying I still owe money. I even faxed them a letter from XXXX saying I owe nothing. I call XXXX and they say the account was paid and closed but they wont call equifax directly and equifax wont call XXXX directly to resolve this. They each tell me to call the other company so I ca n't get anywhere as this hurts my credit. I have dealt with this about 6 months now with no results.