WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX. I sent a letter to AmSher stating the following : 1. Discontinue calling me because I do not feel comfortable being asked to verify my address, last four digits of my social security number, nor name to someone that has randomly called my phone. During the call prior to the letter the AmSher representative became argumentative and unprofessional. I asked within the letter to be contacted via USPS Mail only and provided my address for mailing. 2. I am disputing the debt and request validation and verification of the debt. I am also requesting verification that AmSher has the authority to contact me and attempt to collect the debt. XX/XX/XXXX. I received a call from AmSher 's representative who's name I can provide in a secure setting for privacy reasons. I explained to him that I sent a letter the previous month and he indicated that he confirms that I sent the letter but that it was a verification/validation letter. He became unprofessional and asked me if I planned on paying the debt since I had not paid the debt in four years. I asked him to send that to me in writing and if the call was being recorded that I am requesting that in writing because it's a false statement. I just discontinued service with XXXX in XX/XX/XXXX therefore it's impossible for me to have not paid the debt in four years and if they are stating that then I want to see that in writing.

I have requested from AmSher and from XXXX an itemized written statement of my last two months of account history. I am requesting this because I believe that I do not owe this debt. However ; no one has sent me anything except an invoice which is not itemized. I'd like to resolve this issue as soon as possible and request that I do not receive any more calls from AmSher again as it has become very abusive.
AD ASTRA Recovery Services ( XXXX XXXX XXXX ) This was originally a letter reminder from XXXX XXXX for pmt due within 10 days of date on letter. Pmt was taken from checking account within 2 days causing many overdrafts. We went into XXXX XXXX, XXXX, Colorado and showed letter, explained problem, were told nothing could be done. We reversed pmt through our bank. Later we received collection letter from AD ASTRA demanding {$110.00}. We sent AD ASTRA in KS a debit card number with signature on pmt stub so the issue would be resolved. One month later, we received another collection letter and determined the debit card was not charged, so we obtained a bank money order and paid full balance of {$110.00} by XXXX XXXX  Money Order ; mailed to KS address, XX/XX/2019. We wanted to clear up this matter for good! We received 2 more demand letters XX/XX/2019. We attempted to resolve issue over the phone but AD ASTRA contact address and phone on correspondence lists Colorado office address ; that office now shows as closed on Internet search.
I have a credit card account with Pentagon Federal Credit Union and have requested several times that the credit insurance I am being charged monthly be discontinued via email within their secure email messaging platform and they refuse to do so unless I sign documents. My email from within their secure website should be good enough. 
I have placed the credit insurance debit charges that they keep charging me into dispute, yet I logged in today and I can not find anything about the status of the disputes. This month, another charge for {$.00}. These charges may be small, but they add up, and when this may be occurring nationwide, it adds up to a considerable amount of money. When I inform you I no longer want the credit insurance it should be removed prompty without the need for dispute resolution or me having to go to regulatory agencies to complain.
I received a called from this company, They say a Attorney that was in charge of this account was ready to file, if no payment was made. 
I send a request to this agency for a Validation of the account since they are not the original creditors and I request a break down of fees and they fail to provide proper documents and or prove for there claim.
I received an email from Citibank stating I owed {$95.00}. I do not have nor have I ever had a Citibank credit card. I called Citibank and explained that I did not have an account with them and that I had received an email the lady told me to forward the email and gave me the address to forward it to. When I went back to the email it was no longer there. I called citibank again and the lady looked up using my social security and date of birth to see if there was an account, but she could not find an account and told me not to worry about it. A month later I received a bill. I called again re explained the above and was told do n't worry about it because she could not find an account. The following month another bill came I called again and this time I was told to call XXXX that this was the fraud department. I have been trying to call for the last 3 days but the phone is always busy. I do n't know what else to do. Can you help me get this resolved?.
My wife and I live in a row house in XXXX D.C. We rent out a XXXX-floor apartment as a bed-and-breakfast. For the tax year XX/XX/2015 the District of Columbia government mistakenly assessed our property as being 100 % commercial property. Of course our taxes and consequently our escrow payment ballooned. The D.C. government has since corrected their mistake. The D.C. government has offered to refund the escrow overpayment to our mortgage bank, New York Community Bank ( NYCB ). However, NYCB is insisting that we, the homeowners, personally repay this escrow overpayment.
XXXX ( Capital Mgmt ) keep calling for my mother. XXXX particular call I pretended to be her to get to the bottom of these calls. The person they are looking for is NOT her. The individual I spoke with gave an address that is no where near our home and D.O.B. that was nearly XXXX years younger than my mother to which I responded I was in my XXXX. He then asked for the last XXXX digits of the SS number and I responded the first number is XXXX and that is all I am saying. He responds you certainly are not the person we are looking for and this person is much younger and that digit is not in the SS, and he would remove phone number from list. The calls began again almost two weeks ago. This is ridiculous and outright harassment, and wish to file a complaint on behalf of my mother. Thank you in advance for your assistance.
MY IDENTITY WAS STOLEN SO I PLACED A FRAUD ALERT ON MY FILE. NOW I AM UNABLE TO OBTAIN ANY CREDIT BECAUSE THE TELEPHONE LISTED ON MY FILE IS WRONG AND THE CREDITORS ARE NOT ABLE TO CONTACT ME TO VERIFY MY IDENTITY. I HAVE TRIED UNSUCCESSFULLY TO CORRECT THE WRONG TELEPHONE NUMBER.
The debt is not mine and I would like it to be removed. It is impacting my life in a negative way. The name on the account is not my name and it is spelled incorrectly.
This acct is reflecting as in Dispute on my credit bureau, which I have never disputed. I need to have this dispute removed immediately. I attempted to call ASC and spoke with XXXX XXXX XXXX XXXX on XXXX/XXXX/15 @ XXXX who advised due to the age of my account no one could assist me over the phone. It is unfair that they have purged my account and no one could help. All he could advise was I needed to write in to have this taken care of, I do n't have the time to wait for them to correct their mistake. This account needs to updated according to the Fair Credit Reporting Act as it is NOT in dispute, nor has a dispute even been initiated by me.
My mortgage loan was being serviced by XXXX XXXX XXXX for the past 5+ years. I filed bankruptcy under Chapter XXXX in XXXX of XXXX. I was not in arrears, and my plan indicated I was to pay my mortgage payment monthly outside of the plan. XXXX XXXX XXXX sent me monthly statements every single month, as well as quarterly escrow account reviews, so I could know when to pay, how much to pay, etc. My monthly statements showed by loan balance, my escrow balance, my payment breakdown, and an explanation of amount due. My loan was transferred to Bayview Loan Servicing in XXXX of XXXX. I have not received ANY correspondence from Bayview Loan Servicing other than the initial welcome letter. In other words, they refuse to send me my billing statements each month. They will not send me any information about my account unless I call every month to ask them to send my ledger. They claim they are prohibited from sending me monthly invoice statements. However, That can not be true if XXXX XXXX XXXX was sending invoices every month. How can I keep abreast of my finances if I am not receiving any information on the bills I am to pay? Chapter XXXX bankruptcy should not prohibit me from receiving information about my mortgage loan on a monthly basis. I am not aware of any law or provision in the bankruptcy code that prohibits mortgage companies from sending an invoice each month, especially in a Chapter XXXX where I am to continue to make regular monthly payments and have agreed to do so in my Chapter XXXX plan.
I refinanced mortgage loan from LoanCare to XXXX. LoanCare paid taxes ( escrow account ) as did XXXX. LoanCare paid taxes knowingly paid taxes even though they were informed on XX/XX/2016 that refinance was happening and they had given documents to XXXX ( new lender ). I have been trying to work with Loancare since XX/XX/2016 to get my money back as Tax collector only received tax money from XXXX. LoanCare has consistently misrepresented where my money is. I have documentation $ returned to them on XX/XX/XXXX. LoanCare 's representatives have been either ill trained as their information does not match the facts.
Have received numerous calls from XXXX. The caller leaves a message representing themselves as Bank of America collections department and requesting that I return the call. I have returned the call and when I do the automated voice asks for an account number or social security number to verify whom they will be talking to. Since I have no Idea why they are calling since I have no delinquent debts, I certainly do n't know of an account number to give. AND I certainly will NOT give my social security number to someone " claiming '' to be from Bank of America. The call back number the party gives is XXXX. I believe this is a scam because I have called Bank of America and asked the operator if she heard of this XXXX number and her reply was no. then I asked if there was any problem will any of my accounts. The reply was NO problem. 

Thanks for a reply of an explanation.
I filed a dispute in XXXX 2015 for an inaccurate 30 day late payment currently reflected on my TransUnion account for XXXX XXXX XXXX credit history report. My account inaccurately reflects a late payment for XXXX 2015. This inaccuracy occurred because of a fraudulent transaction The XXXX XXXX allow to occur with my credit card number in another State. The fraudulent transaction occurred in XXXX, 2015. This was investigated and correctly found by The XXXX XXXX as fraudulent. When I discovered and reported the fraudulent transaction, The XXXX XXXX closed my original account number and issued me a new account number. They transferred the old account statement, which appeared with a late payment for XXXX and XXXX 2015 as a result of the fraudulent transaction, and transferred it to my new account number. As a result of my dispute filed with TransUnion, I received a letter from them indicating the inaccuracy was corrected. However, the issue was not removed from my XXXX XXXX XXXX credit history report with TransUnion. I have continually disputed this issue with them, as well as continuously contacting The XXXX XXXX. TransUnion has continuously refused to update my XXXX XXXX credit history report to reflect no 30 day late payment for XXXX 2015. I have never made any late payments for my purchases with the XXXX XXXX and my credit report should accurately reflect this. For some reason, either TransUnion or XXXX XXXX XXXX refuse to correct my credit report. This has occurred because of a fraudulent transaction The XXXX XXXX allow to occur, which is now incorrectly reflected on my credit report. It now appears I do n't make payments on time. My account balance was/is XXXX when this fraudulent transaction occurred. I have filed other disputes with TransUnion since the original dispute and none of them have resolved this issue. I take my credit report very seriously and have no late payments on my credit report other this inaccuracy that my disputes seem unable to resolve. I would recommend to anyone who experiences an issue like this with The XXXX XXXX to not allow them to open a new account for you until they resolve the issue and it no longer appears on your credit report with any of the XXXX major credit agencies.
Because of a balance transfer of 0 % APR to my Citibank credit card account, they are charging me interest on regular purchases that are paid off by the due date. My credit card agreement states that there is a grace period for purchases when they are paid by the due date. I pay my purchases in full for each statement. They are saying because of the balance transfer, that they can now charge interest on purchases on the day that they post. I think this is unfair and very misleading to the consumer.
Rushcard : I lost my card on XXXX I was told a replacement card would be sent but could take XXXX business days to receive. On XXXX XXXX marked the 10th business day and I had not receievd the replacement. I attempted to call and with all of the issues occuring due to the system glitch I have yet to get a hold of anyone that could help me with the replacement of my card. At this point XXXX deposits of XXXX each are sitting on the card with inability to use as they told me the card was blocked. I did later not sure how or why was able to use my card via XXXX ( saved on my account ), but because I can not remember the card # and or XXXX digits on the back I 'm only limited to purchases on XXXX. The transfer option is not available ( a friend also has XXXX and was willing to help by giving me the funds after transferring to her ). I was able to addmyself as a payee and submitted a partial payment as a test to see if the payment would come. BUT this was only 2 days ago, and the scheduled time for arrival is 5 business days. We shall see if this option works in any way. Needless to say with {$1000.00} sitting on a card I ca n't acess has put me in a tight spot as my other cards are used for paying bills and in doing so am left scrambling to purchase other things. The service has been nothing but disspppointing, with NO ONE I have spoken to having no access to view my account, so they say, because many others have had the ability to check. There has been no effort to provide me with any updates other than those found on their site and it 's even more dissappointing that they are lying about being back up and running. I expect there be much more offered by the company than waiving of fees for a few months. That 's absolutely ridiculous to think that will resolve any issues they have caused for the thousands affected.
Spoke with Navient customer service XXXX XXXX, XXXX XXXX, and XXXX XXXX pertaining to the fact that the balanced owed to Navient is XXXX and Navient is reporting on my cbr that I still owe them. Navient was paid XXXX XXXX, XXXX ... Please see attached acknowledment for Navient that loans were paid. 

Loan opened XXXX/XXXX/XXXX in the amount of {$5500.00} XXXX Current balance {$5900.00} Loan opened XXXX/XXXX/XXXX in the amount of {$3500.00} XXXX Current balance {$3700.00} Loan opened XXXX/XXXX/XXXX in the amount of {$1500.00} XXXX Current balance {$1700.00} XXXX currently are reporting that I owe {$180000.00} in loans - inaccurate ... 
XXXX currently are reporting the balance owed as {$170000.00} - correct amount ... 

Navient wants to continue to state that it 's the cbr agencies fault and the reporting agencies refer me back to Navient when I call. I am needing for this to be corrected immediately ... To date XXXX/XXXX/XXXX the above mentioned loans are still reporting as owed to Navient in addition to these loans have been now ALL consolidated with XXXX my other student loan servicer. Meaning the loans are being reported twice. My debt ratio has increased unnecessarily an additonal XXXX plus. 

I moved the loans simply because Navient has handled my accounts poorly since XXXX and do not take any ownership when they make mistakes.
It seems that there are  XXXX  separate collection accounts from the same agency for an   XXXX   XXXX   visit when my daughter   XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX  . I had never received notification of the debt. Only found out when I ran my own credit before shopping for a new car and a new house for my family.  XXXX   XXXX   XXXX  never submitted the claim to our insurance company so, of course, it was not paid. I contacted them to have them submit these charges to  XXXX   XXXX   XXXX   XXXX   XXXX  FL. They said they could not do that and to contact  Debt Recovery Solutions. Debt Recovery Solutions is either unable or unwilling to submit these charges to the insurance company as they should have been 3 1/2 years  ago. This should NOT be showing up on my credit. As a divorced mother of  XXXX , this is impacting our life greatly as I can not be approved for a mortgage with  XXXX  income AND this hanging out there. Please help me and my family!
I am requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file, of the account listed below. In the event that you are not able to provide me with Verifiable Proof, Then I am requesting that the following accounts be verified or removed immediately.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account. 
XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
I was notified in XX/XX/XXXX I owed a debt from a personal loan of XXXX dollars. I made payment arrangements to the company of XXXX a month which was XXXX XXXX XXXX a law firm in CA and I was told if I do n't pay this debt I will be sued and taking to jail. I was making these payments and decided to consolidate my debt through XXXX XXXX in XX/XX/XXXX and they were confirmed through XXXX XXXX XXXX XXXX  I owed XXXX and my payment would be XXXX towards the law firm every month. I recently wanted to know my balance as of today with XXXX XXXX which they told me was XXXX left to this company. I call the company direct and they are telling me I owe XXXX dollars still because of interest and fees over the years. All I want is a correct amount to pay and set up payments or pay the XXXX in full and not deal with this anymore.
I have complained to Equifax and CFPB on multiple occasions regarding being locked out of online disputes and access to my credit report. Even when the questions are answered correctly, I am blocked from accessing my report online to complete disputes.
Ford Dealership XXXX TX did not give me the incentive packages that I was qualified for. Ford Motors was running a {$2500.00} cash back offer on new Ford Transit XLT, I was not given this cash back and was told to put down XXXX for XXXX cars. In addition I was told my credit score was too low to receive 1.9 % APR on both the vehicles. The first vehicle was 3.9 % and the second XXXX was 1.9 % While in the finance room I left to get some lunch and my mother was conned to putting down {$5000.00} for XXXX cars for APR of 1. 9 %. I immediately realized this and refused to take delivery of the second vehicle. I feel that we have been lied to by deceptive trade practices, the truth in lending was not disclosed as we actually were qualified for 0 %. Ford Motor Credit is complicate like other large dealerships in knowing and abetting the unfair, illegal discretionary lending practices the dealerships are involved in.
I have sent in inquire letters, and called nothing was resolved. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX account opened XX/XX/XXXX closed unpaid with balance of {$1300.00} and charged off as of XX/XX/XXXX. One Late payment submitted XX/XX/XXXX. And additional late payments being reported there after starting from XX/XX/XXXX to current date. 3 credit disputes through credit bureau 's and through XXXX 's directly. Account over statute of limitations to make payments and I 'm pressured to make voluntary payments for account to be accurate. How am I late on an account that has been charged off? Target red card had been paid with XXXX balance since XX/XX/XXXX and i am being reported late since XX/XX/XXXX how am I late on an account that is closed and paid?
Citi Card posted my account as past due 30 days for a {$40.00} payment which they simultaneously received a payment of {$400.00}. They sent me a letter stating if I had financial issues they can help before my account goes past due and reported to credit reporting agencies. However, while this was happening they had already reported me past due and cost me XXXX points of my XXXX fico score. This is unsound business practice and unsound treatment of customers. {$40.00}!!! Phenomenal large payment history. I just got an auto loan which may have been affected by Citi 's lack of common sense and customer care therefore costing me unknown financial hardship.
On XX/XX/XXXX a collection was put on my credit for {$140.00}. According to XXXX I missed payments for 5 consecutive months starting from XX/XX/XXXX. In XX/XX/XXXX I had moved and canceled since I no longer needed them.