WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter in the mail from Phoenix Financial Services for a debt I have no record of. The date of service does not match anything on my records nor does the amount owed. I have been paying the hospital and the doctors in question and I have never seen a bill for the amount they are requesting. 

I called the company on XX/XX/18 to try and understand the discrepancy better and was met with a very angry man who informed me after a long communication regarding how this payment did not match anything on record, he would simply mark me down as refusal to pay and the company will continue to peruse payment for the debt owed by any means possible and hung up the phone. 

I never agreed to these terms and simply wanted to find out why there was such a large difference in the date of service and amount I am said to owe. I called the company back and after two tries I was hung up on each time immediately. On the fourth call I got a woman who then transferred me back to the same man. I asked him for his name to which he told me had already given me his name three times. Upon the beginning of this conversation he did not tell me the conversation was in an attempt to collect a debt but instead yelled at me that he did not need to tell me his name. I reminded him not providing his name is unlawful and I would like to speak to a supervisor to which he told me they were closed and to call back tomorrow. He then hung up on me. 

I never said I was refusing to pay I simply will not pay anything until I know the amount, date of service, and the company I am dealing with matches the records of the service provider and hospital. To me the practice of telling me they will use any means possible to collect the debt and they are marking me as refusal to pay, not providing me their name, and not telling me the call is in an attempt to collect a debt all violet the fair debt collection practices.
Over three year 's ago ; I went through a Civil Litigation with XXXX XXXX XXXX, in which I though was resolved. The problem that I 'm currently experiencing is that XXXX XXXX XXXX and Experian Credit Bureau is reporting inaccurate information on my credit report, in which I 've explained to Experian numerous of time. From my understanding if a creditor does n't report correct information on a consumer credit file it is assumed to be illegal and MUST be removed immediately. In my case XXXX XXXX XXXX is n't reporting their information currently. First, and foremost I no longer owe the amount that they are currently reporting on my credit file, which is cause tremendous harm to my credit report and credit score. Furthermore, it increases my debt to ratio in a negative way, which also impacts my overall credit report and score. If XXXX XXXX XXXX and Experian can not report accurate information on my credit file is it against the law? I would like for this information to be removed from my credit report immediately. 

Thank you, XXXX XXXX XXXX XXXX
Investment Retrievers Inc continued to contact me about my fiance and I advised them he was being legally represented and provided them the company name, phone number, ext and the representatives name. They claim they could not get through so continued to call with harassing phone calls. I tried to send a Cease & Desist letter via fax however their fax connection was disabled & I only received fax transmission errors.
Dear Chase, I appreciate all of your assistance regarding mortgage and explaining XXXX XXXX XXXX handled the foreclosure process in XX/XX/XXXX 
XXXX XXXX XXXX - appears to not be aware of bankruptcy proceeding until recently. 
XXXX XXXX XXXX - appears details may have not have been provided regarding foreclosure. 
Improper transactionmistakes and errorsappears to be a void-able deednotary revoked for code violationsappears to be a void-able eviction/unlawful detainer has wrong title sale number XX/XX/XXXXeviction during bankruptcy XX/XX/XXXX - XXXX and agents presented no bankruptcy documentseviction filed using title sale number foreclosure that was rescindedrecession shows bank was working with meinterest remained in propertymy biggest regret not paying mortgage to WaMu - as WaMu stated this was the only way to obtain a modificationAs well as any notice that Chase took over WaMu XX/XX/XXXX- XX/XX/XXXX - this may have prevented mistakes and errors that occurred.
I have had numerous problems with Sallie Mae starting since 2003. When I enter college, I was lured to apply for several private loans without thorough explanation as to the variable interest rates, and the consequences of their increase over time. Once, I completed my studies I was overwhelmed by student loan debts, and Sallie Mae did not show any flexibility in repayment options. I was emotionally and mentally stressed and I tried really hard to find solutions to repay Sallie Mae. Unfortunately, once I completed college, like most XXXX I needed to find a job. During this lapse of time I told Sallie Mae that I was experiencing financial hardship, yet they show no sympathy to my situation and forced me to repay my private loans. I had to go back to school, and this time to graduate school hoping that I would earn a diploma, which will enable me to find a high paying job. My loans were postponed yet the interest kept increasing. Consequently, when I came out of XXXX school, I was not able to pay my loans back with a meager salary as a XXXX XXXX XXXX ; since that was the position that I was able to find right after school. 
Since I was unable to repay my debt Sallie Mae send my debt to a collection agency, which handles my repayment at this time. Now, I am forced via an automatic repayment taken straight from my account to repay my debts every month, and I 'm only paying the interests of my loans not even the principal amounts. I feel financially defeated! 
Based on my personal experience, I would be very interested in filing a class action lawsuit against Sallie Mae for its innumerable violations of federal and state laws, and for bullying people like me into submitting to their unfair practice.
hi, i am very frustrated i have been trying to work with these bureaus to abide by the law but the refused to, The are reporting unverified & inaccurate accounts on consumers profile and leaving it there after consumers asked them for an investigation, the refuse to send me a the documents used to verify two accounts that i am not aware of.i sent my letters via certified mail its been almost 3 months i HAVE been ignored .I dispute two accounts that are reporting on my credit profile with the same company. THE LAW STATES THAT THE BUREAUS MUST REPORT TRUE BUT THEY ARE ALLOWING COMPANIES TO RUIN MY CREDITWORTHNIESS AND REFUSE TO INVESTIGATE TO DO THE RIGHT THING.

1 ) XXXX XXXX XXXX XXXX-I explained this was for a apartment complex i stayed in, i payed {$2000.00} to get out of my contract early because my mom had a XXXX so i moved in to help her, the manager told me it was fine long as i paid the {$2000.00} i could terminate the contract early after paying the fee i was allowed to move, months later without any word are notice from this company i looked at my report and found a collections .I wrote them via certify mail asking them how do i owe this debt they never replied, than i sent the bureaus a letter about this account because i dont owe this debt asking them to verify and they havent responded either.

I called the apartment complex and i spoke with An employee who explained to me the manager was no longer there because she had stolen several clients money & ran off, therefore my $ was stolen apparently by the manager the company didnt do a back round check on and hired .How am i responsible for this .this isnt fair the lady explained that the apartment complex is trying to build a case on her and that i wasnt the only one she had did this too .she instructed me to reach out to the bureaus because i dont owe this debt this isnt right for me to pay for the mistake of the apartment failure to higher decent people and do background checks because the lady told me that after researching her they found she had did this before at another apartment complex 2 ) XXXX XXXX XXXX XXXX- i have no clue what this 2nd account is with the same company theyre reporting the original creditor and the collection agency nor the bureaus responded
Collection Consultant, a collection agency, reported to XXXX & XXXX that I have a balance to XXXX XXXX {$80.00}. 
The actual balance was {$1000.00} but the way they reported it was misleading. They claimed that there was a high balance of {$920.00} and an open balance of {$80.00}. The truth of the matter is that, the account had been paid in full since XXXX XXXX, 2015 with a XXXX time payment of {$1000.00}. The said agency became fully aware of such payment when they requested copies the attached proof of payment which was faxed to them on XXXX XXXX, 2015 at XXXX XXXX. To make things worst, they also reported the same report on my husband 's credit report despite the account being under my name alone.
I'm disputing these XXXX unauthorized inquiries inwhich I did not authorize nor do I have any acknowledge of please remove these from my report in order to promote fairness. The inquires are, ( 1 ) XXXX ( XXXX ) ( 2 ) XXXX XXXX ( XXXX ) ( 3 ) XXXX XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX )
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX  is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to Experian. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my Experian credit history and legal actions will be taken. I have prove of what I said above about XXXX  NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.
I opened the XXXX credit card to use on a recent vacation. after i got my first statement I realized the account had a annual fee of {$49.00}. I was very disapointed to get this fee when none of my other credit cards have annual fees. I contacted the bank requesting to waive the annual fee. to my surprise they declined my request. i am giving one last chance to have that annual fee waived at least for this time, before i am forced to closed all my Chase accounts.
I currently have a first mortgage with   Nationstar. We are in the process of applying for financing to purchase a new home ( with another lender ).
Nationstar offe  red me a loan modification in late   XXXX    . I paid the  three trial  payments, and was then permanently modified.     When my new lender pulled my payment history,  the three trial payments for the modification period showed as my loan being in forbearance. My loa n was never in forbearance. This is now holding up my financing process with the new home - which I am about to lose to another buyer.     I have spoken with Nationstar numerous times, and I have also sent numerous emails to their research department ( as instructed ) with NO response.     I just received my most recent statement as well - they have been collecting legal fees from me as well without my knowledge, and for no reason. I finished a successful Chapter  XXXX  in   XXXX   XXXX    , and no legal fees should be due at ALL.     I need help. No one is responding - talking to customer service is absolutely useless.
Attempted to make a donation onXX/XX/XXXX to XXXX XXXX using my XXXX  card and was denied.
An IRS lien was filed, released and withdrawn. Equifax has failed to remove it from my credit report, despite several written requests that included extensive documentation. Details are in the attached files.
On XXXX/XXXX/XXXX, I applied for a Checking Account at the XXXX XXXX XXXX ( XXXX XXXX, Officer ), with a {$100.00} Deposit. Chase currently had a promotion that if a customer opens a New Chase Checking Account with a Direct Deposit, I would receive {$150.00}. After completing my application ; and after XXXX XXXX ran several inquiries, I received my Checking Account. 

On XXXX/XXXX/XXXX, I received a Letter from Chase stating they could no longer support my banking account, and will closed my Account on XXXX/XXXX/XXXX. I immediately contacted Chase to find out the reason, an XXXX ( Loss Prevention ) stated she would not reveal the reason. 

Therefore, I believe I was denied a Checking Account based on my race.
XX/XX/XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).  This account is a error as well as a duplicate showing twice for the same alleged status. 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
Validations of date and Mini-Mirandi under Section 807 ( 1 ) AR Resources , Inc failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX  v. Heard XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XXXX XXXX XXXX XXXX XXXX ) I expect this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
I fell behind on my car payments because I was unemployed. I had made payments when I could. When I was 60 days late they kept dunning me 4 to 5 times a day. The problem was is that they called my XXXX year old mother. I sent a letter to them and they called and told me it would n't happen again and it did. This woman is old and retired and does n't have to know my business.
I have an account with US Bank and they have a late reporting on my credit report. US Bank charged me for overdraft protection that I never signed up for.
After our loan was sold to roundpoint mortgage company, we received a letter requesting documentation of homeowner insurance. We faxed the documentation to the number provided on the letter. We soon received a second letter requesting same. We re-faxed, emailed, and spoke with a customer service representative who assured receipt. We just got another letter notifying us of a charge of {$7200.00} to cover costs of insurance because we failed to provide documentation of insurance.
JH Portfolio Debt Equity has placed a collection on my credit report which was from a old XXXX Account which I have not made a payment on this account since that XX/XX/XXXX. When JH Portfolio Debt Equity was called they said according to their records I made a payment on XXXX/XXXX/XXXX to XXXX which is not true it is a complete lie. Because this false information is on my credit report I can not obtain a loan for my son to go to college. A dear friend of Mine has been in communication with this company and I have made a copy of all the correspondence which she has sent to this company
XXXX XXXX sold my student loans to American Education Services. They have changed the interest, timing of payments and only have allowed for 12 days for payments. They only wanted to do electronic services, which I had NEVER signed up for with XXXX, nor do I want ever. Postage signed XXXX XXXX due XXXX XXXX. Location of the school is XXXX, Nevada. They have been problematic with telling the truth, told me before they sent me a " welcome package '' never received it, and then proceeded to state the " welcome package '' was emailed. Just being generally untruthful, unhelpful and giving me bad information which I did not sign up for with XXXX XXXX XXXX. They also never sent me anything involving payments, or payment information Via Email. They were just hoping I was going to miss my payments I guess.
Midland Funding is incorrectly reporting that I owe them a total of {$4500.00} on my credit for two different accounts. <P/>The account number for the first account is " XXXX '' and the balance is {$2500.00}. The account number for the second account is " XXXX '' and the balance is {$2000.00}. <P/>I have never had any dealings or communication with this company so there is no reason for them to be reporting any unpaid debt on my credit report. <P/>Why did they not send a notice of my right to dispute these debts before they reported to my credit? I only found out they were on my report a couple of months ago and since then, I have been disputing these accounts for deletion. <P/>I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. 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 received a XXXX for XXXX from SLS for a loan that was foreclosed in XXXX/XXXX/XXXX, SLS was the second trust deed holder on the property. They did not make an offer at the sale and continued billing, me until the end of XXXX, even after numerous conversations with thm that the property was foreclosed in XXXX. According to Idaho law they had 90 days to do a deficiency judgement against me, but they did nothing. The property reverted back to the 1st trust deed holder on XXXX/XXXX/XXXX for {>= $1,000,000}, which was the balance of their loan. I need SLS to to correct the XXXX C, which they have sent me a letter that they would n't, I will include the letters and information following.
I contacted Western Union to verify that money sent in the past five years was indeed received because I noticed that a recent transfer was not received and Western Union did not provide transparency. Upon my repeated calls, Western Union committed to provide such history the next day then within 20 days. They failed to deliver on this commitment and deny me of my consumer rights to verify if any of the transfers are left dormant. I no longer trust Western Union to address this issue since they claim they address my request even though I keep telling them I have never received any information. Please note that Western Union has sent unrelated emails during this period so they have the right information in their records. I conclude that they are not willing to respect my consumer rights and are retaining my information unfairly. I also find it unfair that a consumer has no transparency on past transactions either online, email or telephone. This lack of transparency and opaque systems also raise serious concerns with WU 's ability to effectively meet their Anti-Money Laundering, OFAC and BSA obligations. 

Please refer to the following WU case number # XXXX
Complainant : - XXXX XXXX XXXX SSN : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Equifax CRA, is reporting incorrect information on my credit file. Additionally, Equifax has advised that they will not investigate the issues I am disputing, and have gone ahead and turned my online ability to dispute any incorrect information. Further, they are not also refusing to accept any documents I forward to them via fax, mail of electronically to support my dispute.
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Equifax continues to list an incorrect former name on my profile. My name is XXXX XXXX XXXX, with NO generational tags to it. Equifax is showing an incorrect name on my profile. Again please see attached drivers license and ssn card showing my correct name.
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Equifax is listing a FORMER SSN as being associated with me. I only have one SSN number and do not understand how my profile would have more than one SSN. I have contacted all current and former creditors and they have all verified that they did not provide this incorrect information to Equifax. I have demanded that Equifax either remove this inaccurate information or provide the name of the creditor providing this inaccurate data. They have advised that they do not know who is providing this inaccurate data but will still report it.
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I have retained the services of an attorney, XXXX XXXX, and submitted a power of attorney to Equifax, to allow them to discuss my account with him directly. XXXX XXXX attempted to contact Equifax on my behalf but they declined to discuss any matters on my account with him.
I am not able to make any kind of contact with my XXXX XXXX card of Regions Bank because I do n't reside in the XXXX any more and Regions Bank DO NOT provide any phone number that I can call from XXXX, the country I am resident now. Regarding internet, I do n't have a Social Security number, as I am XXXX. I JUST NEED A PHONE NUMBER THAT IS NOT XXXX! I can pay for the call. I need to question one debit and activate the new card, as the old one expires XXXX, but there is no way to contact them : ALL REGIONS informed phones are XXXX. In the past It was possible to call my Regions Bank branch, but they do n't care this matters any more.
XXXX aka Credit Bureau Systems has repeatedly placed several inaccurate invalid and disputed debt onto my report. I HAVENT RECEIVED THE FIRST BILL FROM THEM FOR ANY ACCOUNT. They have several amounts they claim I owe. I dispute the debt, I win the dispute, and then XXXX Credit Bureau Systems XXXX XXXX XXXX KY XXXX opens up several new accounts and changes the account number and places it back on my report as debt owed. I disputed XXXX XXXX ( 3 debts ) to XXXX and XXXX XX/XX/XXXX and XX/XX/XXXX. I called them early in XX/XX/XXXX, and sent a letter to them in XX/XX/XXXX regarding CBS. I won the dispute XX/XX/XXXX and it was deleted. I posted a letter I sent to XXXX about CBS. CBS placed it back on my report with a new account number after I disputed it and it looks like a new debt owed. I called XXXX Fraud Dept and the lady stated I would have to contact them, and that yes they were reporting old  disputed deleted debt making it appear to look new again by changing the account number and changing the amount owed slightly. This debt of XXXX XXXX went back onto my report as a debt of XXXX XXXX  in XX/XX/XXXX. So did 3 other debts of XXXX {$120.00} $ and XXXX XXXX They just make up new accounts and place it right back on the account, it does n't matter if they can validate it or not. Also they break HIPPA by giving out medical information to public about people. I 'm suing and I 'm asking for an investigation please! These people are criminals!