WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX XXXX I received an alert from XXXX credit alert that an account was placed in collection by Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX , XXXX XXXX phone number XXXX XXXX. The amount of the debt was {$340.00} the original creditor name was XXXX XXXX XXXX. This company failed to notify or contact me pertaining to the debt to allow me the opportunity to dispute the debt, but instead reported to the credit bureau causing a negative impact on my credit score. This is the third company that tried to collect the debt for XXXX with each one sending the debt back to XXXX for validation. XXXX is attempting to charge for debt that I do not know they charge a month in advance for their services I was not at the property XXXX XXXX XXXX XXXX XXXX XXXX XXXX, moved out XX/XX/XXXX. XXXX was supposed to provide me service at my new address XXXX XXXX XXXX XXXX XXXX XXXX, but due to the fact that my daughter had already had service in the home already, they waited intill the day before the install date in XX/XX/XXXX to inform me that they could not install the service for me the day the connection was supposed to take place. XXXX is trying to charge for service that I did not receive. My XXXX account has always been paid up one time and there is no balance owed to XXXX.
As of XXXX/XXXX/XXXX your tradeline remain on my account. Please remove ASAP. Never received contract only statements. Requested CONTRACT AND STATEMENTS to properly validate the account. As of XXXX Ive only received statements no contract. Contract was requested in XXXX.
cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX  BYMAILONLY XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, RENTAL PROPERTY XXXX, XXXX XXXX XXXX not mine idtheft victim
On XXXX XXXX, 2015 I tried to deposit XXXX checks into Bank of America 's ATM ID # XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The ATM made all kinds of crazy sounds, took my XXXX checks in the amount of XXXX, XXXX and XXXX totally XXXX. ATM gave a message of something like ERROW and kept my XXXX checks. The ATM did spit out a receipt stating " We apologize for the inconvience. We are unable to process your request and can not return your items. I have the receipt if needed? 

Bank of America 's claim number is XXXX, I spoke with XXXX in ATM Fraud Dept. 

Today I call Bank of American 's Customer Service number on the back of my Debt Card twice. After going through all the phone prompts, a message came on saying " due to unforeseen circumstances we ca n't take your call ''. Then the phone call is disconnected. 

I want the XXXX checks found in this ATM and my account needs to be credited XXXX.
I contacted this collection agency and informed them that this debt is not mine and asked them to validate it but they could not prove me with proof that this debt belong to me.
i went to XXXX college of XXXX georgia for XXXX with hopes of a better life for me and my family XX/XX/XXXX-XX/XX/XXXX. I finished my course and completed my externship and i was told that they would help me find a job.Career services never helped me with job placement I recieved a letter in the mail XX/XX/XXXX that stated XXXX job placement rates were misleading and that i may be eligible for student loan forgiveness i then filled out the paper work and sent it to the department of education for them to determine. I called to check on my student loan forgiveness application and they told me that it could take up to 12 months to determine at this time i had my loans in deferment so i was not required to make payments but the customer service rep stated that i should put my loans in forbearance. I did as the rep said i should do and a couple days later i got a bill in the mail for {$1000.00} dollars from my lender fed loan servicing. I can not afford to pay that
On XX/XX/XXXX, I took out a line of credit through Synchrony Financial in order to purchase a new mattress. I committed to making a {$200.00} payment each month in order to pay off the loan before the promotional period of deferred interest/no interest ran out. I made a {$200.00} payment after receiving my bill in both in XXXX and in XXXX. In XXXX, my statement arrived after the bill 's due date of XX/XX/XXXX. I believe the statement was mailed late on purpose in order to charge me a predatory late fee of {$27.00}. 

On my XX/XX/XXXX statement, the late fee appeared with a past due amount. I made a {$400.00} payment in early XXXX ( for my XXXX and XXXX payments ) but instead of paying off {$400.00} toward my balance, {$27.00} went to pay the unfair late charge. I enrolled in Autopay after this incident because I no longer trusted the company to mail my statements on time.
There are two addresses on my Experian Credit record that do not belong to me. I have never lived in XXXX Az.  or XXXX Hi. 
I have lived my whole life in California. 
1. ) Belongs to Ex-Wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX 2. ) Belongs to My Son XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii XXXX
Our mortgage was transferred from XXXX XXXX XXXX to " Loancare a XXXX Company ''. We were given a loan ID at Loancare that does n't exist. We can not contact anyone at Loancare to correct this. We are put on hold after which the phone goes quiet and then hangs up 3 minutes later. 
We can not resolve this issue to pay our mortgage. Why is this so hard?
Ditech sent my Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX. Section 5 of that statement is a table showing " What Happened Since My Last Escrow Review. '' The column titled " What You Actually Paid to Escrow '' is missing an entry of {$260.00} for the month of XXXX. This number plays a key role in arriving at my true shortage. I wrote a complaint letter to Ditech on XXXX/XXXX/XXXX and received Ditech 's response on XXXX/XXXX/XXXX. In its response, Ditech states " Please note that as of XXXX XXXX, XXXX, a payment had not been received ; therefore, the monthly escrow payment of {$260.00} was not reflected for XXXX XXXX, after the analysis was completed. '' Failing to insert this number for XXXX XXXX inflated my total shortage by {$260.00}. I disagree with Ditech because I have never missed a payment and although my payment due for XXXX XXXX, XXXX arrived XXXX/XXXX/XXXX ( after the XXXX/XXXX/XXXX analysis date ), Ditech should have inserted $ XXXX ( expected payment ) for XXXX XXXX, just like the entry for XXXX XXXX. I wrote a second letter dated XXXX/XXXX/XXXX asking Ditech to reference its position within RESPA 's Regulation X and Ditech refuses to respond. I presume Ditech may not have responded as it is claiming this t be a " Duplicative Notice of Error '' ( 1024.35 ( g ) ( 1 ( i ). Even if this is true, I still believe they are required to notify me within five business days of making such a determination ( 1024.35 ( g ) ( 2 ).
Repeated calls for years from XXXX  XXXX XXXX, also known as XXXX XXXX XXXX, XXXX, XXXX
This is not a joke, Prosper Marketplace has used my dispute against me and is trying to shake me down for money, and has now doubled my balance owed in just one month and now is reporting late payments every month. Back in XXXX, I contacted Prosper Marketplace to let them know about their reporting issues on my personal credit reports was inaccurate- and they said they would investigate ; but instead they contacted the credit bureaus and told them I owed DOUBLE the original amount!!, and that I needed to pay or " handle this matter '' ASAP!! This really happened and I can't imagine how many laws were broken in trying to shake me down. Prosper marketplace is now reporting a balance of {$6600.00} on a loan they state I personally received in 2011 for {$3400.00}. I couldn't believe it so I reached out further, and their ( Prosper ) only answer was to state that they sent me an " identify theft package '' to help me. Prosper is the one who is using my identity incorrectly!
I had water service in XXXX VA back in 2011. In XXXX 2011 when I paid my bill I enclosed a note requesting service be discontinued on XXXX XXXX, 2011 because I was moving out of state. I left Virginia early on XXXX XXXX. I had a forwarding order in with the post office and never heard anything else from the water company. I recently discovered that I have XXXX collection accounts for that water service, both with different amounts. I disputed with the credit bureaus and requested proof from the collection agency, stating that since I only had service at XXXX location, I was concerned about having XXXX different collections. The collection agency sent paperwork which appears to show that XXXX collection account is for water service and XXXX collection account for collection fees. However, I noticed that water service was continued for almost 2 months after the date I had requested for disconnection. Furthermore, the last payment I made, placed into a water company drop box, was never credited. My deposit was also never credited. I was also never sent a final bill, so I was unable to dispute the charges for after I requested disconnection. Taking into account the deposit that was never credited and the the payment never credited, if the charges after I requested disconnect were removed, I believe the water company would actually owe me a refund. I absolutely feel the account for collection charges is wrong because if I am owed money, then how can I be charged collection fees? I do not believe the account for the balance is accurate, again because of unauthorized continuation of service and failure to credit payments and a deposit.
Ocwen Loan Servicing ( since they bought our mortgage ) has gone up from XXXX ( what it was when they purchased it to over XXXX now. We have filed MANY times for modification and it was DENIED each time. They are crooks. They manipulate numbers and they Purposely denied payments at one time when we fell behind hoping that we would default. We had to file bankruptcy ONLY because of OCWEN. I want our loan modified and the payment lowered. I know what our taxes are, I know what our insurance is and None of this constitutes the amounts they have increased our payment. When I submit a complaint, they do n't do ANYTHING BUT SEND PAPERS. MAKE THEM BE FAIR! I WANT A MODIFICATION TO OUR LOAN. UNDER NO CIRCUMSTANCES SHOULD THEY HAVE RAISED IT OVER 700.00 IN THE 8 YEARS OF THEM OWNING OUR LOAN. INSIST, that they do right by people or bar them from stealing from American Home owners!! Please take steps. I will file as often as I need to
I recently obtained a new number as of XXXX XXXX, 2015. Since that time, I have repeatedly ( several times a day ) received calls from Ocwen Financial for a XXXX. I do not know this person and have relayed as much to the customer service rep. They apologize each time but nothing is done to resolve the fact that they now have the wrong number as they still continue to call.
the problem is navient says i 'm on a variable interest rate..i went back on my records when i was with   XXXX   XXXX   my private loan payments were always {$320.00} ...  XXXX   XXXX  i was switched over to  Navient  and payments stayed the same till  XXXX   XXXX  when they went to {$320.00}.  XXXX  of  XXXX  they went to  XXXX .  XXXX  of  XXXX  they went to  XXXX  and now its  XXXX   XXXX  and its up to  XXXX  ..it has gone up {$3.00} in 5 months this year alone.. I know for a fact i never singed on variable intrest rates and have called serval times requesting the paper work showing i signed off and agreed to variable   interest rates..I have never recived any proof of this and my rates keep going up.
Credit bureaus are reporting my former addresses as being ( 1 ). XXXX XXXX, XXXX, IN ( 2 ). XXXX XXXX, XXXX, IN I have lived at XXXX XXXX XXXX XXXX, XXXX, IN since 1994. and have never lived at the XXXX other addresses listed.
On XXXX a debt popped up onto my credit report stating I owe money to a company called XXXX XXXX XXXX. The newest company to claim this debt which shouldn't be coming back to me. This debt was a very old bill which I have already shown was fraudulent multiple times before and had it removed. Yet it keeps getting sold and put back on. The debt claims it was opened in XXXX of last year. I disputed and I'm not sure what proof they provided but it was not deleted and still the dates claim I had an account with them in XXXX of last year. This is not true or anywhere near true and it needs to be, once again, removed from all credit reports and not sold this time to ruin my credit once again.
I made monthly payments to RMB Inc. only for them to send my account to the credit bureau. I requested with XXXX on XX/XX/2018 to get set up on automatic draft. XXXX from RMB Inc. confirmed that I was set up on automatic draft and that everything was current. 2 days later I am notified that they reported my account to the credit bureaus. I contacted RMB Inc 9 times on XX/XX/2018 to speak with a manager. Every representative sent me to a XXXX 's voicemail. I started my first call at XXXX XXXX and ended my last call right before they closed at XXXX XXXX. The representatives were very rude, XXXX, XXXX, XXXX, XXXX, XXXX were all unhelpful. When I left my voicemail I requested someone call and leave a message and email me if they get my voicemail. I haven't received any communication or contact with a manager at RMB Inc.
Hello, my issue is with XXXX companies that are under XXXX umbrella, Loancare a Division of XXXX, and XXXX. I submitted a complaint to The XXXX but it was later suggested that I submit XXXX to Loancare as well. My problem started in XX/XX/XXXX when I missed a payment. I paid in XX/XX/XXXX and then I quit paying all together in XX/XX/XXXX. I do n't have the exact dates of everything with me, but I submitted it all to the XXXX. I quit paying not because I did n't have the money, but because my XXXX and I was unable to make clear decisions on my own. In XX/XX/XXXX all of the past due balance was in my bank account, and I received a letter stating that I needed to call and make arrangements to pay the balance or my loan would go into foreclosure. I called within a week of receiving that letter and they told me that it had already gone into pre-foreclosure and that I had to wait for someone to contact me. We were then instructed that we should resume the payments as normal, but we had to physically send a check into the office, and we agreed to a Loan Modification. Everything was to remain " as is '' until I got the paperwork, and got it sent back, and then everything that was " late '' was supposed to be removed and fixed. We then started paying the payment out of my husbands account, and from XX/XX/XXXX until we sold the house XX/XX/XXXX there was never a payment missed. Loancare and XXXX are also both reporting at the same time during overlapping months which makes it look like I had two mortgage 's at the time. I also want to say that we went to buy a house through the VA in XX/XX/XXXX, and they were only reporting late payments through XX/XX/XXXX, so we were told to wait until XX/XX/XXXX so we had a year reported with no missed payments, and when we went back in XX/XX/XXXX they were then reporting the foreclosure. This only happened when I sent in my bank account history to show that I was making payments on time from the XX/XX/XXXX through the end of the loan. Either way what they are reporting as a Foreclosure was A loan modification and it should not be reported as foreclosure because no paperwork was filed with the court.
On XX/XX/XXXX, I submitted a mortgage payoff in the amount of {$290000.00}. Mr. Cooper/Nationstar Mortgage acknowledged the payment was received on XX/XX/XXXX. This payoff included interest for the entire month of XX/XX/XXXX. Accordingly, we are due back 20 days of interest ( for the period of XX/XX/XXXX to XX/XX/XXXX ). 

Mr. Cooper/Nationstar Mortgage had provided us a payoff quote. The payment of {$290000.00} was calculated as follows, per their quote : {$290000.00} -Balance due through XX/XX/XXXX. 
{$110.00} -Late Charge per quote if paid after XX/XX/XXXX. 
{$2100.00} -Additional full month of interest if paid after XX/XX/XXXX. 

{$290000.00} -Total submitted on XX/XX/XXXX. 

We are due back {$1300.00} for the overpayment of 20 days of interest : {$2100.00} ( interest for full month of XXXX ) 31 days = {$68.00} ( Daily interest charge ) ; 20 days X {$68.00} = {$1300.00} ; To avoid any confusion, please note I have received two checks from Mr. Cooper ; neither of which included the interest charges due back to us : {$3300.00} -Mortgage escrow balance. 
{$110.00} -Refund of late fee : fee was submitted per payoff, but funds were sent to Mr. Cooper within the grace period. 

I am therefore requesting the interest due back to us in the amount of {$1300.00}. I have contacted Mr. Coopers customer service line twice ; the first call was on XX/XX/XXXX. Both times I was told someone would return my call after looking into the matter. To date, no communication has been received.
On Wednesday, XXXX XXXX 2018 I decided to look at the APR on a longtime Discover card that I 've had. So I opened the statement online and then spent the next 20 minutes or so hunting for the APR to no avail. I 'm not computer illiterate by any means and was getting frustrated as the APR on the other couple of cards I have is plainly shown on the first page of the statement. So I called Discover Customer Service and was told by the CSR, that she would gladly transfer me to someone in the tech department so they could '' guide me through the screens '' to find this information. She, however, was able to tell me the APR within the first minute of the call. When I told her that was outrageous that as a consumer, I 'm not able to find this information readily and why? She then said she would pass my concern to management. After I got off the phone I sent Discover an email asking why APR 's are not readily accessible to me on MY statement and have yet to get any sort of response. But they sent me a survey immediately after the call asking for my opinion to which I responded negatively in every category. It never has been like this with Discover in all the years I 've had a card with them. I have literally never had an issue with them ever until now. What gives? Finding my APR should not be a secret ... it is n't with other major credit card companies. Why is Discover being so secretive? 
I hope you can help me as I 'm ready to close the card and be done with Discover.
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account for at least 2 consecutive months, and making at least {$1000.00} in total debit card purchases. 

After enrolling with the promotion code, I contacted Citi to confirm that they had my XXXX XXXX XXXX number ( XXXX ) and I also received confirmation that the XXXX bonus XXXX XXXX AAdvantage miles offer was successfully attached to my account. 

During XXXX of, 2016, I confirmed with Citi that I had successfully fulfilled all of the terms of the offer and to expect my bonus miles on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

Citi is now stating that they require the original bonus insert, which would have been sent out 6-8 months ago. It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, since Citi customer service confirmed to me that I was enrolled in the offer Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
On XX/XX/XXXX I received a credit report from XXXX XXXX XXXX that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
XXXX XXXX is reporting on credit twice and it needs to be permanently deleted from all 3 credit bureaus immediately!
Law-abiding XXXX owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes.
Sir/Ma'am, I joined the military in XX/XX/2014. I had a 2 year contract with XXXX until after XXXX. 
Due to the fact that my XXXX was to XXXX, I would n't be able to use my XXXX service anymore. 

When cutting my contract with XXXX, I explained to the customer service rep that I had XXXX orders to XXXX. The rep told me everything was fine and that the early termination fee for cutting the 2 year contract was waived due to the SCRA. 

It has been 2 years since that conversation was made, and since then I have been receiving mail from debt collectors stating that I owe XXXX XXXX or so dollars. This has had a major impact on my credit, being that this occurred 2 years ago. 

I have called XXXX multiple times, and they keep telling me that there is nothing on file for my early termination, or the waiving of the fee. They have also said that Southwest credit, a debt collection agency, owns the bill now. They are the ones requesting the XXXX dollars. 

Is there anything that can be done to settle this issue? I will be XXXX to XXXX in a month, and I really would not like for my credit to keep going down as the time passes. 

The last concern that I have is the impact this has on my credit. If this issue does get settled, could the debt get removed from my credit altogether, or would it stay there saying I never paid a XXXX bill that was apparently " waived '' two years ago. 

I would really appreciate any help I can get on this matter. 

Thank you.