WillisBack/dataset-financial-user-claim huggingface dataset:
My ex sister in law received a call telling me that the person on the phone was trying to contact me. I called them back and left a message. I received a call today at XXXX XXXX onXX/XX/XXXX. I was trying to get information about this debt l owe. They stated that I owe {$1900.00} and they would take XXXX if I paid today. I told them to send me the paperwork about this debt. The person on the phone got really upset with me. I also told her that I do n't have a checking account and have n't sinceXX/XX/XXXX. She was very belligerent towards me because of my response to her.
XX/XX/2018 I received a written notification from XXXX XXXX XXXX XXXX  regarding an attempt to collect a debt. This notification was answered, via a typed document, by me XX/XX/2018 disputing the debt and the amount of the debt. Monthly payments have been and are continuing to be made on a monthly basis. I had also notified them that I have had to request, on numerous times, an updated and correct billing invoice of which I would receive after several requests. During those wait times I continued to make monthly payments. I received a call at work today on, XX/XX/18 at approximately XXXXXXXX from a " XXXX '' from XXXX XXXX XXXX XXXX . I relayed the information above to which he stated he had no " proof '' of. I expressed my sympathy to him and suggested he check all records from XXXX XXXX XXXX XXXX and for clarification of correct information. " XXXX '' continued to verbalize his monologue and I I thanked him for his call and hung up. 

A second call was made by " XXXX '' at XXXX XXXX and was forwarded to voice mail. I sent another notification to XXXX XXXX XXXX XXXX   requesting correct information from their source.
On XX/XX/XXXX I settled my credit card debt with Wells Fargo for {$680.00}. I received no documentation or proof of that this debt has been settled. I only have a bank account statement that shows the payment has been processed. It is my right as consumer to receive documentation that the debt has been settled and an agreement that I will no longer be harassed by debt collectors. I called Wells Fargo on XX/XX/XXXX several times and went into the bank on XX/XX/XXXX asking for proof that my debt was settled or a statement showing me how much I owed on the account so I could pay it. They not only refuse to give me proof that my debt ever existed or was settled, but they have denied me online access to my account which once showed my balance and gave me a way to pay it.
XXXX XXXX XXXX has contacted me and since I have failed to communicate with them during my work day, they are now contacting a family member, leaving messages for me on their voicemail.
Currently, the credit bureaus are reporting the same debt in separate entries per what is being provided by  Interstate Credit Collection  and  XXXX   XXXX   XXXX . The balances are not accurate or matching up. I have attached a letter where asking for assistance in matter but have not heard back from either company.
XXXX XXXX has my account listed as PAID on my credit reports. Also listed on my credit reports with XXXX funding as OWED, NO PAYMENT. 
I would like to have this REMOVED from my credit reports. I would like this information that is INACCURATE to be REMOVED from my credit reports. 
If an account says PAID, then it CANT say STILL OWING for the SAME account, that is INACCURATE.
Debt is over 7yrs covered by statue Of limitations. Previously disputed on the XXXX credit bureaus. Debt dates back 1999
Equifax 's online credit report disputing service does not work ( www.investigate.equifax.com ). If you try to use it, it just runs you in circles between XXXX web pages. Credit reports are supposed to be accessible and the ability to dispute inaccuracies are supposed to be easy and available. This needs to be fixed immediately.
I was a victim of identity theft, I have already closed accounts that were opened fraudulently using my credentials. I was contacted in XXXX 2015 by XXXX XXXX XXXX of Rocky Point Capital informing me that I would have to give an official statement for some " trial '' immediately. I informed him that the debt was fraudulent and emailed him a copy of the police report on XXXX XXXX, 2015. He gave verbal confirmation that he had received the police report, that the debt was verified as fraudulent, and that it would removed from my record and the case closed. On XXXX XXXX both my mother and I were contacted by XXXX XXXX XXXX from the XXXX and XXXX debt collection agency who informed us that his firm had been retained by Rocky Point Capital to seek payment for the debt. I emailed them about this matter on XXXX XXXX and received no response.
Transworld union called a Client of mine. They were representing the XXXX fire department and referenced my clients office address which did not make since. See message below : We received a call on our Main Line looking for you, it was someone representing the City of XXXX XXXX and they are trying to set up a Fire and Health Inspection ... she did n't have/was n't willing to give me much more detail.. and when i asked what property she was referring to, she said / Street, so I was all sorts of confused given that is our office, and not in XXXX XXXX XXXX County . 

Would you mind calling them back? She did say she had left you a message on your cell ... Number below. 

Thank you! 


XXXX This is the same number that calls my work line and saying : this is XXXX XXXX with Transworld union please call me using the reference number This was embarrassing in all shapes and forms.
For several months my monthly payment for my private loans were automatically debited from my bank account. I started to receive bills from a collection agency stating my loans with XXXX XXXX  were sold to their company. Since my loans were not in default, they shouldn't have been sold to a collection agency. I have bank statements proving this. Now the collection agency is expecting payments they shouldn't receive. I contacted XXXX XXXX  and nothing was done about it.
Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account
I opened a credit card wi th American Express tha t had a {$450.00} annual fee and  XXXX  point sign-up bonus. Right after getting the card, I went on the AmEx site and saw a huge promotion for the same card -- {$450.00} annual fee, but  XXXX  points as a sign-up bonus ( I still have the Terms & Conditions of this offer open -   XXXX   XXXX     XXXX ?  XXXX  & print # offerBenefitTermsDisclosures ). I called  AmEx  immediately to ask if I could be matched to this higher offer since it had only been a few days since I 'd applied. The person on the phone told me that it should n't be a problem and to check back in a few weeks. I checked back with American Express, and the customer service representatives online now keep telling me that I actually am not eligible for the offer even though one of them said my request is listed as " in progress '' on my profile. I asked for clarification on what this means and they refused to explain. Finally, a customer service rep said " this offer is not just for you, it is for the new card members. '' They refused to elaborate on what any of this means, or go into the actual details of why I was told it would be fine and then told I ca n't be matched to it.
I initiated a re-fi of my conventional XXXX mortgage XXXX. The mortgage is held with XXXX XXXX. After the appraisal came in lower than what we expected, US Bank advised that we could go no further unless I had more income or could bring more cash to closing. I challenged the appraisal but US Bank stood by the appraisal. So, US Bank ( XXXX XXXX ) suggested I find a friend or family member to loan me money or liquidate retirement funds. I even spoke to my employer about a pay raise. Not being able to do any of these things, US Bank then suggested we refi with an FHA mortgage. The appraisal again came in low. Same appraiser as before. Thus, by this time in late XXXX, we were at a standstill. I shared my frustration with an acquaintance who is an independent mortgage broker. He asked to see the most recent appraisal and he found it to be defective. I presented his findings to US Bank and they adjusted the appraised value by {$18000.00} to {$400000.00} which is where the mortgage lender and I had hoped it would be all along. It allowed us to move forward with an FHA mortgage re-fi. I asked US Bank to review the first appraisal for the same mistakes made in the XXXX but they did not respond. The appraiser refused to provide me proof that the XXXX appraisal had been challenged. Once the re-fi was back on track in early XXXX, I was told week after week that my closing was eminent. I was told to make sure I had cash on hand for the closing and to demonstrate to underwriting that I had cash on hand. So, on XXXX, I liquidated {$10000.00} of retirement funds to have on hand ready for the closing. The mortgage lender told me he had his supervisors ( XXXX XXXX and XXXX XXXX ) working on expediting the paperwork through underwriting. When asked about this, neither XXXX or XXXX were aware of there being a problem. Underwriting continued to ask for more information and sometimes XXXX and XXXX times after having already received it. With the closing seemingly going nowhere, I then brought into the discussion XXXX XXXX, XXXX XXXX and XXXX XXXX. I had to go to the corporate office in XXXX to inquire of the chain of command because each time I asked an individual who they reported to, I received no reply. It is XXXX XXXX and my FHA refi, which technically started in early XXXX, is still not closed. This whole process started XXXX.
XXXX XXXX  XXXX has repeatedly changed and incorrectly presented false late payment dates on my vehicle loan for which reflects on my consumer reports. The dates were first XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX ... whereas I've proven with bank statements proving I have never been 30 days late since last XX/XX/XXXX. All of which have been disputed and updated..yet the most recent disputed they changed from XX/XX/XXXX to XX/XX/XXXX. The accused late payment being reported is upon being in deferred agreement effective XX/XX/XXXX & XX/XX/XXXX, and payment was made within agreement. All of this has been documented with them and for my records. I have gone around and around and around with this institution and they can't get anything accurate. They have known my desire to refinance since this whole mess started in XX/XX/XXXX with late pays being reported and therefore making it impossible due to the gross negative & adverse reports being made to the bureaus making scores go down almost 40 pts on XXXX  just for late pay. Please please I request help in getting this rectified. Kindest Regards, XXXX XXXX
I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XXXX and XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX XXXX has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. '' XXXX
I submitted my monthly payment as normal via my bank 's epayment service. All other vendors received payment but Ditech has not received my XXXX 2016 payment as of today 's date XXXX/XXXX/2016. To avoid bad credit reporting, I was forced to repay the XXXX 2016 payment for a second time on XXXX/XXXX/2016
Mailed in mortgage payment, XX/XX/XXXX to Nationwide Advantage Company and mortgage company received payment on time. Tracking number shows the monies were delivered on time in their office they contacted me on XX/XX/2016, that payment was not posted. I provided them with the tracking number for the payment. I was told to call back in two days to see if the payment has posted. I comply with the request called back they still had not located payment. I then offered to stop payment on the check according to XXXX the representative I was speaking with I should not do that because when they do find it they will put it through and this will cost me more. I faxed and mailed a letter out to the corporate office stating the problem and that they needed to fix it. Locate my payment and stop will negative reporting she then informed me that I needed to make another payment over the phone to bring my account current. I refuse to do so and again informed XXXX. XXXX that they needed to find my payment. The resolution for this problem : Nationwide to go back an remove all they negative reports of my being late because I was not, and to remove the late fees they billed me for because I was not late. And list my account as current.
I called in XX/XX/2018 and asked to have my ach payment stopped for XX/XX/2018. I told them that my husband would be paying the account off in full XX/XX/2018. I wanted to have the ach stopped in order to avoid the account being overpaid and having to wait weeks to be refunded. I was told that they could not stop the ach unless there was another form of payment. I adv that my husband would be paying via Card. the rep still refused to stop the payment and i stated that I would have my husband call in. Due to his work schedule, It would be difficult to know for sure when he could call in. XX/XX/2018, I sent a ACH revocation letter to the company to make sure the payment would be stopped. The rep agreed to stop it but advised me that they would put my account into collections as a default. I asked how they could put a current account into default that has never missed a payment and was only trying to pay the account off in full.I then received an email stating that they had placed my account in collections and that it had defaulted. My payment is not due until tomorrow and I have never been late. Then I receive a long illegal voicemail from a MANAGER named XXXX XXXX leaving personal information then she called and left a message on my work voicemail. You would think I was really in collections the way I am being treated. All of this and all I am trying to do is pay off an account. No where in my contract does it state that if you revoke ACH authorization that you will be placed in collections as a default. It actually has other methods of payments such as cash, money orders, mail as well as credit cards. I can only imagine how customers who actually can not pay are treated, if they treat paying customers this way.
On XX/XX/2016, I made a normal purchase on XXXX with my credit card as I have hundreds of times over the years. However, this time there was a problem with the way the charge was processed. With no warning or explanation to me, the purchase was processed as a cash advance, resulting in transaction fees and immediate interest charges, at a rate of 25.49 %. I first suspected the seller but had no immediate way of contacting him. So I called Barclay Bank customer service who told me that yes indeed, the seller was responsible for this. I went back into XXXX to cancel the purchase and again called Barclay to make sure that it was canceled. The rep informed me that everything was OK. The merchant had changed their " code '' and the transaction went through as a normal charge. There was no 'cash advance ' processed, no fees, no interest charges ; and yes, I would receive my miles. Today I noticed the seller had responded in an email saying that they did not process the purchase as a cash advance. XXXX was responsible. Curious, I went into my Barclay account online and saw that there was a indeed a 'cash advance ' processed with all the related fees and charges. I called them again only to be told that the conversation I had with a Barclay rep informing me that the transaction had gone through as a normal charge, had never happened. They claim to have no record of any such conversation. So, I called XXXX, who informed me that they had processed the purchase as a normal credit transaction ; and went on to say that only the card issuing bank had the option to process it as a 'cash advance '. Now because of the delay caused by the " no cash advance '' discussion, Barclay claims that I am forced to accept the purchase ( or return it at my expense if it ever arrives ) and I must pay all related bank fees. As the Barclay rep said before I hung up on her, " There is absolutely nothing we can do about this ... ''
PORTFOLIO CAPIT ACCOUNT NUMBERs : XXXX AND XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO XXXX or any company associate with this account # XXXX AND XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
The creditor, Midland Credit Management XXXX Inc., formerly Asset Acceptance , LLC, garnished my bank account on XX/XX/XXXX and took {$700.00}. I filed a claim for an exemption in the case under Florida law. The money that was garnished was being held by Midland Credit Management XXXX Inc. while the claim for exemption was pending. On XX/XX/XXXX at the hearing for the claim for exemption, we reached a settlement agreement that I would pay {$100.00} per month. The money that was garnished was to be returned to me. The money that was garnished was never returned to me, and I was never given credit towards my outstanding balance for the {$700.00}.. I have been calling the company for two months now and no one at the company can tell me why my money has not been returned or credited. I have met my monthly payment obligations of {$100.00} per month pursuant to the settlement agreement. I want the {$700.00} returned to me. I am aware that Asset Acceptance , LLC was sued by the FTC in XX/XX/XXXX. Meanwhile, they have opened a new company called Midland Credit Management , LLC at the same address in XXXX, MI.
I have a Citibank Home Depot credit card. I recently paid off my balance and a WEEK later, the payment had already cleared from my bank and I went back to the store to make another purchase and my card was declined. I called the company to see why since I had only tried spending {$60.00} and my available balance on my card was {$500.00}. The customer service person said that my account was put on hold because I made more than the minimum balance with my payment. After arguing with the person on the phone they finally allowed my purchase to go through and said the hold would be removed in two day. Today I went back to the store ( 2 days later ) and tried to make another purchase. The card was declined yet again and the Home Depot worker called and the lady would not allow a purchase becaus the card was STILL on hold and they " may '' take it off hold tonight. I am going to call the company and make a complaint with them as well but I know they will not care because the ladies at Home Depot said this happens all the time. This is absolutely rediciulous. I 'm never late on my bill and should not be penalized because I paid off my balance.