WillisBack/dataset-financial-user-claim huggingface dataset:
I have repeatedly ask for this medical debt collection company to report my accounts as paid on my credit report. But, to no avail. I had several medical debts that were listed as collections on my credit history. I paid off these debts several months ago but they are still listed as open collections on my credit report. It seems unfair how a debt like a medical debt is so hard to get removed once they appear on a credit report. Medical Professional Collection Services, MPCS in XXXX XXXX, XXXX, IN XXXX TEL : ( XXXX ) XXXX ( XXXX ) XXXX FAX : ( XXXX ) XXXX The debts were for XXXX. 
The collections damage my hope of increasing my credit score. 

Thanks, XXXX XXXX XXXX
I have been paying Sallie Mae, now XXXX, for over 16 years, and still " owe '' them XXXX, which I do n't believe is true. This portion of the loan is acquired interest and fees. When I first got the loan, I was a single parent, receiving help from no one, and having trouble paying any bills. However, I did keep a payment going with Sallie Mae as much as possible. This loan has been going on for too long, and I know I have payed it, probably twice. I am getting old and trying too save for retirement, I 've no family to help me out, and am going to have to rely on government for everything, which I have never done, even when I could have. I think Sallie Mae has taken more than their share of my money ... .I asked them please to put any extra dollars to interest, but they never did, as far as I can tell. I do not want to give XXXX any more money. 
Kind regards, XXXX
XXXX XXXX, XXXX Consumer Financial Protection Bureau Re : XXXX XXXX XXXX, XXXX, XXXX XXXX # VA XXXX Dear Consumer Financial Protection Bureau : This is a letter of formal complaint regarding Ditech Financial, LLC, XXXX. XXXX XXXX, XXXX XXXX, SC XXXX handling of my loan and intended modification application submitted since XXXX XXXX, XXXX. 
As an honorable veteran who has served his country faithfully, I initially utilized my entitlement to obtain a home loan in XXXX. Since purchasing the above property in XXXX, the home loan has been " sold '' approximately four ( 4 ) times. In XXXX, XXXX XXXX 's acquired the Ditech brand due to FCC and your charges against Greentree Mortgage Company. Apparently, this acquisition has not eradicate years of Greentree Mortgage legal and unethical practices towards their consumers, because Ditech is the same, if not worse to their consumers. They are unethical, harassing me about my debt, calling all times of day and night, from different numbers, when I have told them not to contact me, being misleading and threatening towards me. 
Since Ditech Financial, LLC has handled the loan, my experience with the company has been totally reprehensible and a violation of my rights. The company has failed to appropriately handle my loan modification request submitted on XXXX/XXXX/XXXX, after I filed numerous complaints both, verbal, written and in contacting their corporate office. Instead of resolving the matter, my complaints aggravated the entire matter without any personal recourse or advocacy. In submitting the loan modification application, they would always provide " XXXX to XXXX '' DIFFERENT FAX NUMBERS TO EITHER SUBMIT OR RE-SUBMIT INFORMATION which has been very misleading. After submitting the information, they would always say " they did not receive the information. '' My PERSONAL INFORMATION WENT TO SOMEONE ... SOMEWHERE!!! With months of delaying the loan modification, my credit rating has been affected, additional costs have occurred on the loan and this ordeal has taken a mental and physical toll on me and my family. 
I am locked into Ditech being my loan servicer. At this point, I do not feel or believe that I am or will be treated fairly regarding my loan modification or any other matter. I am in financial distress, and I am not seeking to negate my financial responsibilities. However, I am attempting to work towards resolving my delinquent status and to modify the mortgage payments. 
Lastly, I and my wife are very disturb to the fact that Ditech had a third party to deliver a " door knocker '' to our address on XXXX/XXXX/XXXX with a number of XXXX. When my wife called the number it was a XXXX XXXX!! When my wife brought it to XXXX ' attention and thought it was intentional. They responded as if it was not a problem or concern. The next month on XXXX/XXXX/XXXX, the " door knocker '' had a different number, XXXX. 
Sincerely, XXXX XXXX. XXXX
On XXXX XXXX 2015, I went to chase bank on XXXX florida and made a payment to my mortgage and returned back home, as soon as I get home I received a phone call from my small brother who told me that my father who was on vacations in XXXX was rushed to hospital and pronounced dead two hours later. I traveled overseas for his funerals and came back, that situation put me in a very difficult time to pay my mortgage for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I went to same chase bank on XX/XX/XXXX with XXXX payments the bankers told me that they can not receive any payment at that time for my mortgage and then told me I have to call financial dept. I returned to the same branch with XXXX months payments where I was behind 5 months, they told me to contact the financial dept and they stated that I have to call their lawyers to ask for reinstatement of my loan. I did call them, i requested a quote of reinstatement for my mortgage they sent it to me ask me to pay {$5400.00} for my mortgage plus {$3100.00} for lawyers fees by XX/XX/XXXX.
original debt was with XXXX money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of my credit report.
I was covered under my insurance at ten to these details were incurred. Because the bills were not sent in a timely fashion, and because I retired and acquired a different retiree policy, the invoices were not paid. I am willing to pay the original fee without the interest and late fees, but have not been contacted by the collection agency.
I have tried several times to modify my house with Penny Mac and they are not willing to work with me on modifying my home.. I am on XXXX and I need my mortgage payment and interest rate reduced based on my income Thank You
A few weeks ago I talked to rapid cash/speedy cash to let them know that I had XXXX recently and wanted to cut off my automatic draft so that I could stop payments from coming out my bank account automatically. They agreed, and took it off. Just to be safe I called my bank and ordered a stop payment on my account as wel which I received in the mail confirming it. I went into rapid cash and said that I have to pay for my rent and a few other things after the XXXX and was a little behind and that I wanted to try set up payments for a smaller amount until I could afford my regular amount. They said I would have to contact customer service to pay a smaller amount but that the automatic drafts is off. A few days ago I called customer service and I told them that I could not afford my regular payments at the moment and that I wanted to see if I could pay something smaller. They agreed that I would only have to pay {$50.00} every 2 weeks or less until I was able to pay more. They said I could even pay {$25.00} each account. They said that I could either call in on Friday and make the payment with my bank card or I could go into the store. I opted to go into the store to make my payment on the due date. They said they could not stop the Collections calls since I 'm not paying the minimum amount but they could limit it to every 3-4 days. Today XXXX XXXX before I went to go make my payment agreed upon I checked my bank account and I noticed they withdrew {$300.00} something out of my account even though they said my automatic drafts were turned off and my bank stopped the automatic drafts. When I called my actually bank they said that the original time rapid cash tried to draft it it did not go through. So they changed their numbers around to try to draft the Money out of my account until it worked. My bank thankfully stoppped it after it started processing.. When I called rapid cash/speedy cash customer service department they said I never stopped the automatic draft because I would have to call 3 separate departments to do it, which they never told me up front. They said it was off. Also, my bank did a stop payment on drafts from them and they still changed there numbers around to draft it. I want to make payments in smaller increments and pay it off but I do not know what to believe anymore, because they are doing something different then what we agreed upon. Even though I am setting up arrangments with them to pay over the phone they are still charging my account.
I have been struggling with my mortgage company in reporting my correct information. I have an account with XXXX XXXX and one bureau is reporting it as negative and being included in a bankruptcy, however Ocwen did a loan modification and the payment history should be reporting perfectly on all three bureaus for some time. It's not a charge off loan. I really need your company 's help in getting this resolved. I have requested information from Ocwen and from XXXX to report the information correctly and I can't seem to get anything resolved. I really need your intervention.
One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXXor before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}
Today I received a medical collection letter for {$520.00} for a bill that is not mine. The collection company name is Medical Business Consultants and the charges are for XXXX XXXX XXXX XXXX. where I have never been a patient. I will not call the number on the letter because I believe this to be a fraudulent company.
Ever since I opened Chase Prime credit card I have been having issues with them attaching someone else 's checking account to pay my bills. I have NEVER given them written, oral, or electronic permission to access someone else 's account to pay my bills. I have complained about this numerous times and walked through correcting it over the phone with their customer service department beginning in XX/XX/2018 and it continues to be an issue. My XXXX bill was paid by another checking account instead of mine. I called in and asked them to immediately reverse it and charge mine instead. They can not get this corrected and the bill remains unpaid. They have completely ignored my complaints, charged me interest and fees, and won't address this problem with their IT department. Now they have frozen my card. I WANT TO pay my bill, but they won't fix the problem that is preventing to be paid. They are in denial that they have an IT issue, so instead of fixing it they just erase or they don't record my calls!
I had a joint credit card account with my ex partner from 2002 with XXXX XXXXXXXX XXXX listed as XXXX. I have not seen or heard from them in over 16 years. I am not to be held responsible for his spending since I left in 2002. The bank won't take my name off without his approval. Again, I haven't had any contact in over 12 years and I want this off my credit report.
Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from Transunion, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX/XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.
several people made cash deposits in well-fargo establishments, they elegant that these transactions are fraudulent and closed the account, now I can not withdraw the money.
I previously disputed and they removed, then listed again on XXXX and Trans-union a tax lien that was paid in full and forward proof of supporting documentation from the state of Georgia, that indicates i letter any credit company that haves this debt, listed on credit report must remove it. They refuse and give you a hard time even with over XXXX reports filed in two years. Also i have filed Chapter XXXX bankruptcy, the continue to add the debts listed in bankruptcy for discharged that they are open and listed in collections, and no included in my chapter XXXX bankruptcy. The creditors are listed in my court documentation, and some where foward over to collections agency but that debt is still listed for amount, and creditor. They ask for proof of Chapter XXXX Bankruptcy, I filed, and I forward this my email, and certified letter, they said that even though my creditors are listed, as for disharged that is not proof and that they can keep listing incorrect debt as in collections even though they are listed in my Chapter XXXX bankruptcy is should state on my credit report as ( included in XXXX. ) I tired of trying to get my credit file disputed, call forward the forms they want and they still refuse to update credit report. They even refuse to update my job I have been on for over 8 yrs.They say I do n't work there and I forward a XXXX, and pay stub with address. By me working for the government I must keep abreast and make sure the credit report have the correct information. But Trans-union and XXXX refuse to update their records
XX/XX/XXXX18 {$10.00} and then overdraft fees XXXX up {$110.00}
This debt continues to show on my credit report. It is over XXXX years old. I contacted Gateway 1 ( Gateway one ) to explain the debt issue in XX/XX/XXXX, which is I signed for a vehicle for a family which after three months decided not to pay I gave them all of their information Social security numbers addresses and phone numbers.. Prior to that I contacted Gateway to find out what I should do, and was advised to turn the car into the nearest XXXX Dealership which I did in XX/XX/XXXX. The debt continues to show on my credit.
I have a credit card with US Bank that is due on the XX/XX/XXXX of each month and never missed a payment or made any payments over 30 days late. On Sunday ( XX/XX/2018 ) I was involved on a major auto accident that took a lot of my time during the week, and yesterday ( XX/XX/2018 ) I made my US Bank payment. Today I received a notification of a {$27.00} late fee and tried to contact a supervisor at US Bank to reverse that late fee, considering that I was not late when I made my payment yesterday. I was first transferred to XXXX, and then XXXX ( same voice, but stated to be two different supervisors ) and then to XXXX, who also said he is a supervisor. All three refused to work with me and reverse the late of on my online payment. I have a screenshot of my payment that proves my payment being made on time.
Went to XXXX Dealership inquire on car to test drive.  However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I would n't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from. I did n't authorize any of those lenders to pull my credit. Not sure how they got my information. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Okay so i disputed a  Repo  account with  XXXX ,  XXXX , and Equifax. They responded back saying that they verify that it was my account. So I called each credit bureau and asked them how they verified that it was my account. All  XXXX  of them said they called  XXXX  to verify. So I took it upon myself to give  XXXX  a called and spoke with a rep ( I do know her name and the department she works and if I 'm not mistaken she recorded the call ). She stated that no company call asking anything about my name ever. I would like them to delete the account off my report because it 's false information and hurting my credit in a negative way
I fell behind on my loan with Toledo Finance after having my loan there for some time and even re-financing it a couple of times. They do this to keep you in the loan. I was receiving daily phone calls from the office. They were leaving rude and threatening messages and a couple of times even left the amount that I owe on my voice mail. The voice mail on my phone only id 's the phone number and it is illegal for them to leave this type of information on a voice mail. I first sent a certified letter to stop the calls. I then sent an intent to sue letter to both the office where I obtained the loan and the corporate office. I got a response back stating that they would stop the calls but I will still obligated to pay the loan. 
In the letter of intent to sue I asked that my loan showed paid in full and all negative history corrected on my credit report. 
They had several violations of the FDCPA. Repeated calls and voice mails, threatening voice mails but the topper was when the rep left a voice mail with the amount that I was past due and that is a clear violation of the FDCPA. I could have sued them through my attorney but tried to work it out with them and they have refused.
On XXXX XXXX, XXXX, I added a debit card to my PayPal account, and completed a large purchase with XXXX. Using PayPal as the payment provider ( and using the debit card as the payment source ), the transaction completed. 

An authorization charge for {$20.00} was posted at this time. 

On XXXX XXXX, XXXX, XXXX the payment fully went through with the following description on PayPal : " XXXX XXXX You 'll see " PAYPAL XXXX XXXX '' on your card statement. 
on XXXX XXXX, XXXX '' I did not receive any following communications from either PayPal or XXXX. I received my product and everything was fine. Until earlier this month, I got an adverse action notice stating : " This email contains important information about your PayPal account. Our records indicate that your PayPal account has been negative for 22 days or more. The amount owed today to resolve your negative balance is {$3500.00}. '' I checked with the card provider and I can verify that the full amount was charged to my card on XXXX XXXX. 

Therefore, PayPal is asking that I pay a debt I do *not* owe. 

I called them today XXXX XXXX XXXX, XXXX ) and they said my card was declined which is why I was " fronted '' the money. Of course, this is absurd. If the card was declined, then they would have stopped the transaction instead of asking me to pay over {$3000.00} in debt. 

This is crazy!
The company BalanceCredit.com took a payment from my bank account on a day that was n't scheduled for a payment. I have n't received overdraft fees yet but I will. 

Their address is here : Balance Credit Attn : Customer Support XXXX, TX XXXX
I initiated services with XXXX they made a hard credit inquiry without my permission neither written nor verbal though Transunion. The Credit Reporting Agency was Transunion, the inquiry was requested on XXXX XXXX, 2016. Multiple calls to XXXX and playbacks of the call recordings confirmed that I never consented to a hard inquiry. I started this process in XXXX and still have received no confirmation or reversal. XXXX provided the address of their headquarters and informed me that I need to write a letter to remove the unauthorized inquiry. The letter was returned unopened by the postal service I then contacted Transunion who informed me that I may not have the inquiry removed without authorization from either XXXX or a government bureau. 
This inquiry is damaging to my credit and I have limited time to solve this case before I deploy.
Portfolio Recovery is  incorrectly reporting that I owe them a total of {$11000.00} on my credit.     I have never signed for services with them and I do not know who they are. There is no reason for them to be reporting an unpaid debt on my credit report.     My report shows an account number of "   XXXX   '' I 've done some research online and I have only come across negative reviews and scam stories by other consumers who have been harassed by this collection company. As a matter of fact, the   XXXX   XXXX   XXXX   has a negative review rating of 91 %! I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
I had this credit card for two, I used it couple times for my own person use, after that I was paying it on time. The I started noticing charges on my account that wasnt fine, I called discover and tried fixing it and they failed to do so, I disputed it multiple times with them and my claim always get denied. They closed my account saying that it was fraudulent charges on there. This has hurt my credit report.
XXXX XXXX called me from XXXX but left a call back number of XXXX. He said he was trying to reach my neighbor XXXX XXXX about a debt collection and I needed to reach him and have him call them. I told him this was highly unprofessional and he shouldn't call clients neighbors. It actually turns out he had my maiden name from 14 years ago and was calling about a very old neighborhood. He told me calling neighbors isn't illegal and he can do what he wants.
I applied for a loan modification with the mortgage company Ocwen on XXXX and I 've noticed that they have added $ XXXXdollars on to my mortgage calling it an unpaid principal. I questioned them about it and I was told it was in the modification and I signed it so that 's that. My mortgage went from {$160000.00}. to {$250000.00}, I did not take out a second mortgage or anything like that. I ca n't believe this is legal. I have spoken with several account managers with Ocwen asking them to explain to me how their company added {$100000.00}. dollars to my account when the modification was supposed to be designed to help me. This has been a nightmare and now they have filed foreclosure.
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to COLLECTION BUREAU OF FWB/XXXX XXXX, XXXX, XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. COLLECTION BUREAU OF FWB/XXXX  XXXX, XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.