WillisBack/dataset-financial-user-claim huggingface dataset:
My fiance spoke on my behalf to the customer service line with my permission and was told he would be able to pay the account in full by the end of XXXX on XXXX XXXX. He was assured that he would be able to do so without any penalty, fee, negative credit marking, or closure. 
We called to make a payment on XXXX/XXXX/16 and during the call I asked if the account was in collections as I received a letter that it was. I was assured that it was not with a third party and still active, and that if I made a payment that day the account would be restored fully. Because of the late fees, my husband wanted to talk to a supervisor regarding the arrangement as the customer service department was unwilling to remove the fees. He spoke to many representatives who continued to tell us to simply make the payment and the account would once again be in good standing while refusing to transfer him to a supervisor or anyone willing to hear out our complaint. At one point the people in the department actually lied and said they were transferring him to customer service but transferred him to another representative of the collections department. The only reason we know is because the second person made the mistake of saying they were n't customer service when asked repeatedly. As the phone call was continually transferred from one representative to another we did finally agree to make the payment as the collections representatives refused to transfer us until we did. They again promised that the card account was still open and would be restored upon payment. 
Upon payment, the collections representative said the account would not be restored and that there would be a negative credit mark on my credit report. Again, that is contrary to what the other representative just told us multiple times on the same phone call. They still refused to transfer us to a manager or customer service and tried to pressure us into opening another account, guaranteeing and promising that it would be approved. We found out later they did n't have the authority to say that. 
Eventually, after continued demands to speak with a supervisor, they transferred us to customer service who said they were under no obligation to honor anything that was said previously. They said that we would just have to deal with what we had been told up until that point. We were assured that they would investigate the matter and review the calls to see if anything unscrupulous had transpired, and get back to us. Not only did they lie to us multiple times to get a payment, but now we are receiving calls and letters from debt collection agencies about the amount that we already paid. At this point, all I am asking is to have the account taken out of collections and the negative report to be removed from my credit. I do not feel as though this is a reflection of my ability or willingness to pay as I would have responded differently had I known that payment arrangement would not be honored. I am willing to show whatever proof is necessary to indicate the payment has been made. Please contact me with any questions or concerns.
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and Experian Credit reports to verify the information they are reporting. XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. Experian has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or Experian, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; XXXX.
I have contacted Chase Bank regarding my home mortgage which was suppose to be a Home Affordable Modification Program Agreement, off and on since XX/XX/2016 Each time when I call the XXXX I get a different Customer Assistance XXXX but the same answer regarding the amount of my monthly payment {$900.00}. However when I receive my monthly statement from Chase the the monthly mortgage amount is different. This month the payment is {$440.00}. I just was speaking to a representative at Chase regarding the difference and was disconnected. The amount I am paying and the amount Chase says I owes is {$450.00}. As a widow with a daughter with latent XXXX XXXX I am struggling to make my monthly payment. Can someone please explain to me why the huge almost double difference in the monthly payment amounts from XXXX branch of Chase to another? I just made my XX/XX/2016 payment and I paid from the Chase monthly statement I received showing {$440.00}. l called Chase asking for verification of the amount due and the woman I spoke to said the payment was {$800.00} plus, once again a different amount. I would appreciate any help you can give me.
Tittle max continues to call my work and personal cell phone to collect a debt for someone I do not know. Every time I ask them to stop calling and explain this, they say they will remove the numbers. This is the 4th time this has happened.
This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XX/XX/XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XX/XX/XXXX I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XX/XX/XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing zero payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.
On the dates listed below, I communicated with TransUnion via Certified U.S. Mail. I requested the following actions : ( 1 ) I notifed them that an account shown on my credit report was the result of fraud. I asked that the fradulent account be investigated and removed. ( 2 ) I provided documentation showing my current and correct address requested that it be updated. Neither of these two ( 2 ) requests have been updated or corrected. This, despite, my requesting, in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the most recent : XX/XX/XXXX. I provided copies of my Florida Driver 's License, Current Employer Pay-Stub, Credit Union Monthly Account Statement and copy of my XXXX Federal Tax Form. Lastly, on XX/XX/XXXX and on XX/XX/XXXX. I requested in writing, again, using Certified U.S. Mail and paid the XXXX ( XXXX ) dollar fee with a U.S. Postal Money - yet, the Security Freeze has not been placed on my Transunion Consumer Credit Report.
I have been dealing with an agent for a company called Primary Residential Mortgage and she has been giving me different and wrong information for months now. today she accused me of going behind her back and saying false things and told me that I need to be a man, that she does n't do business like that and that " she will not do anything for my loan and that ii could kiss my loan goodbye ''. I have been misinformed on numerous issues during my loan process and have been treated less than fair.
I have been paying approximately {$680.00} a month for my college loans. 
XXXX loan is provided by Navient and this is the loan that is causing all ofthe trouble. My Aunt has cosigned on this loan for me and she has XXXX and she has been subjected to XXXX to XXXX calls a day, not onlyto her home phone but to her place of employment also. This has to beillegal so I am writing to you for help. 
The phone calls seem to be computerized and call from all different areasof the country. There seems to be no one who is in a position to stop this. 
I have had people promise that they would stop calling my Aunt knowingher physical state and XXXX. I gave them approval to take electronicpayments from my account and after a month they took a monthlypayment plus over {$500.00} which overdrafted my account for multipleother bills I have. It then took over a month to get back the unauthorizedwithdrawal. I know that Navient is connected to XXXX XXXX so there mustbe some ability for someone to intervene and stop this harassment of avery XXXX cosigner, my Aunt does n't deserve this and I would like to haveher removed as a cosigner. I intend to keep paying my loans butsomething has to change, please help me with this problem.
I have been receiving harassing and threatening telephone calls and numerous death threats from Enhanced Recovery Company representatives for a debt that do n't belong to me, I do n't owe and is the result from identity theft. The debt is from XXXX for {$530.00}. The debt is fraudulent. I am a victim of identity theft.
On   XXXX   XXXX  , 2017, I contacted Sallie Mae using their phone number (  XXXX  ). I asked to be transferred to their Collection Department. I was hoping to speak with their collection department in the hopes of lowering my current monthly payment ( {$2100.00} ), which is beyond my means. I was hoping to hear options regarding how to lower, how much may be lowered, or any option available. Unfortunately I was told that the collections department could not help me until my account was delinquent. I do not understand why my account has to be delinquent in order to be provided payment lowering options. I do not wish to have my credit score, or the credit score of my cosigner impacted by letting my account go delinquent just so I can hear options to lower my payment. In short, I would like to hear options in lowering my payment, but Sallie Mae WILL NOT work with me until my account is delinquent.
I sent a letter to all 4 3 credit bureaus XXXX XXXX Equifax in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true
i called Trans-union to Dispute Varies Inquires that appear to be on my Credit Report, i did advice that i appeared to be a victim of Their Inquiry issue, however the rep then denied to assist me.. 
XXXX - XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXXXX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 Also Mentioned that i have 3 medical Collections,  that have already been paid and has not been removed.. they mentioned it will take up to 60 days to be removed.. please assist me
Equifax 's data breach disclosed on X/X/17 has resulted in the loss of my sensitive personal information as well as millions of other Americans. I am listed as a potential victim on their website, and was provided a date next week upon which I can return for free credit reporting that allegedly waives my right to sue. This is outrageous.
In reviewing my credit report in late    XXXX   XXXX  ,  I saw a negative entry on my report from  XXXX  collection services. I sent a written letter to this company on    XXXX   XXXX   XXXX    asking for verification of this debt or a copy of my contract with this company. As of this date,  Franklin Collection  Services has yet to respond or provide proof.
While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests.

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXXINDIRECT XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX via AXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX INDIRECT XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXX XXXX Indirect We Inquiry from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XXXXXX/XX/XXXX
Doctor billed the incorrect amount and after I refused to pay the incorrect amount, they sent to collections and is now on my credit report as an adverse account. The doctor has verified with my insurance company that the wrong amount was billed.
I paid an old XXXX XXXX XXXX debt a year ago and just received a debt collection letter threatening to report me to the credit bureaus. I contacted XXXX XXXX XXXX again and they verified the account was paid, in good standing, and closed.
RE : ACCESS TO MY TRANSUNION CREDIT REPORT. 

Last night I DOWNLOADED A COPY ( OR SO i THOUGHT ) FOR MY PERSONAL FILES AND TO PRINT LATER. WHEN I GOT READY TO PRINT THE CREDIT REPORT, I RECEIVED AN ERROR STATING INVALID FILE STRUCTURE. please see attached pdf for detailed screenshots. i am unable to go back to transunion or XXXX and download another copy. 
I understand the policy is you get the XXXX chance to download the file and it is stated to print of download a copy for XXXX 's files because of not being able to go go back and access at a later time. BUT I did download my report and as you can see in the attachment it appears I legitimately have my transunion credit report downloaded as a PDF - i.e no error messages are present NOR did I receive error messages while downloading. SO i exited transunion to go to next credit report. I would like to be able to get a copy of my report and do not feel I should have to pay. please feel free to contact me at : XXXXXXXXXXXX or cell phone XXXX
In fall of last year I opened a Citigold checking account with a promotional offer to earn XXXX XXXX XXXX miles. I met the terms of the offer but the XXXX bonus miles never posted. Citi continued deduct the $ 30 monthly checking account fees ( which they require until the bonus is paid out ). I contacted XXXX inquiring why my bonus miles never posted. They responded back that I had qualified for and had met the terms of the offer and they only needed my XXXX account number to credit the miles. I provided the XXXX account number and continued to wait, paying more exorbitant $ XXXX monthly checking account fees. I recently got another letter now stating they would not honor the promotion, claiming I was not targeted for the offer. Citi is well known for extending citigold offers to customers to entice them into paying exorbitant checking account fees and ultimately dragging their feet on honoring the promotion while collecting more fees. I have asked Citi to honor the XXXX bonus, but they have essentially told me to pound sand. If they would not honor the promotion I requested they refund the {$90.00} in checking account fees they extorted from me during this process. They also refused to do this. I have closed my account to avoid further fees.
Bank of America has forced lender placed insurance and would not allow me to pay amount in full until my homeowners association resolved the matter. They were forcing me to pay an additional {$130.00} per month with out cause nor willing to adjust amount if the program was paid in full. There is a good reason why this firm is constantly being investigated by the US government. i have mortgages with 2 other companies and not once have I ever had an issue. Stay clear of using this bank for home mortgages as they are crooks.
I applied for a loan with company and was approved with a initial credit limit of {$650.00} that I could take out cash advances out against so I requested a {$400.00} dollar advance and was approved and I received emails showing all this from company but when it came time to fund account instead of money all of sudden they decide I do n't qualify even though they had my social security number and done check from beginning and still approved it first time should have not been rejected this is fraud doing it based on age .Also I offer to send in all papers showing income and my identity for proof based on letter but they said no which I had no problem faxing the papers to them.
About a year ago, in XX/XX/XXXX I had to go to XXXX hospital for XXXX, that day I made many XXXX and they asked me would I enter for more XXXX, I had health insurance with XXXX XXXX XXXX XXXX FL, but there was test insurance does not pay and for that reason the Hospital sent me to collection, affecting me the credit
I incurred a charge off account with  XXXX , it was turned over to collections to  XXXX .This account is showing on my credit report as being open, it was closed in 2016.This company is adding interest in to this account, to increase the amount on my credit report to further damage my credit score. The beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.
A debt collection company ( Budget Control Services , Inc ) continues to harass me and try to collect on a debt that is in dispute with my daughter 's dentist involving issues with our insurance company. 

I sent a cease communications letter via certified mail return receipt, that explained that their charges were in error and that I choose not to work with a third party collection agency. 

Today, I found out that BC Services placed derogatory & false information on my credit report and have continued collection efforts to include phone calls. 

I have copies of the cease communications letter they received, and certified mail receipt if needed. It was signed by " XXXX XXXX '' at their corporate office on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , CO XXXX on XXXX XXXX, 2017 ; 7 days after I received their threatening letter. 

I suffer from numerous ailments that are aggravated by XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, to name a few ). I just want this harassment to stop! 

Please feel free to contact me for additional information. 

Thank you!
XXXX XXXX collection agency has reported into collection on my credit report an amount of {$6200.00}, and I have no idea where this amount came from, I need to receive a statement of this bill with each debt itemized, and why this collection service feels I owe this debt, and proof this is a legitimate and correct amount for this debt.
With the recent data breach affecting Equifax, I am concerned with the security of my credit/personal information at their bureau. In effect, the security at other bureaus concerns me as well.
It worries me that 1 ) the hacks were known nearly a month in advance of the reports breaking about a breach and 2 ) recent reports have shown 3 managers sold stock in the company before the hacks even happened, leading to a suspicious narrative around inside gaming and trading.
The result of this breach, if the reports are to be believed at their worst conclusion ( personal data is now public ), I can never truly feel protected from identity theft, or worse, even by our most trusted institutions, and must have permanent restrictions ( such as credit freezes ) on all my accounts to protect my identity and financial security.
As a concerned citizen, thank you for looking into this.
Sincerely, XXXX
I continue to get calls from a lady named XXXX at CRM phone number XXXX She called my job multiple times saying that I owed a money from XXXX- that I borrowed online- that I didnt! and stated that I am going to have officers arrest me and that I can not work at this job with a felony. I am a XXXX  and was in front of a patient, while she was yelling SS #, my address, saying I was a felon, and officers would take me out of a patients room and this was not her fault and she will have them come to my job now! I repeatedly told her that I am not able to answer these types of calls at work and I have no knowledge of what she was talking about. Asked if she could call at a later time. She stated that she was not required to let me off of the phone. She started yelling my phone number and account numbers and stated that I can not hang up or I will be jailed!! She has called my job 2x on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and then called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and my cellphone 4x times XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and left messages this morning on my work phone saying this is a felony and if I dont call her back in a few moments she will discuss this with my employer. This lady was very disrespectful, I am at risk for losing my job!! I alspo asked her to supply a fax or email me what she is talking about and she stated that she is not liable to do so and wanted me to supply my information with no follow up.