WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX in XXXX WA sent a letter to my son regarding a bill due. The procedure was done when he was XXXX years old so I was the responsible party. The bill was paid XXXX 2016.
When I called they refused to talk with me because he is over XXXX- he was n't when the bill was created and due. They want him to call them and, because I do n't trust them, I do n't want him to call and then be harassed.
After attempting to speak with 2 first line agents, I talked to a supervisor and he said he will send it to dispute and that I can not do anything else.
I will have proof of payment by mail from the XXXX  center, XXXX XXXX XXXX, this week.
They were horrible to talk to, my son should not have to talk with anyone and this bill is false. They are using it to fraudulently get money for something that has been paid.
What can I do? XXXX XXXX  XXXX
I had taken a home equity loan with Citizens One. This year the loan came due. They told me they were going to foreclose on my house if I could n't pay them XXXX. I was never late or missed a payment. I have been trying to modify this loan for a year this month. I have been through the process 5 times now. My home is worth XXXX. Because of a divorce and other issues that are coming to an end this month I could not come up with XXXX. Please help! I can make payments as I always did and do n't want to lose my home I 've had for 27 yrs. Because of this the have trashed my credit. It 's clear to see on my credit report. Please help
I am writing in complaint of the newly adopted discriminatory practices of XXXX XXXX XXXX and Citigroup against companies and individuals who are simply following the law and are interested in practicing their legal rights to items not restricted by state or federal government. Their new measures block and individual from purchasing guns without a background check or who are younger than XXXX. It also bars the sale of bump stocks and high-capacity magazines. It would apply to clients who offer credit cards backed by Citigroup or borrow money, use banking services or raise capital through the company. 

It is not the place for a bank or any company to create legislation or laws outside of the normal process of elected government. The consumers who use banking and credit services have no elected representation within XXXX XXXX XXXX or Citigroup so they have no recourse to prevent their freedoms and rights from being violated by private companies. These banks are effectively creating the same effect as a government creating a law, but it is being done without the normal representation and protection every American has under government. Blocking commerce is effectively destroying liberty. When s Bank is as big as these two banks and they decide to make it impossible to purchase legal items, not only do they destroy the freedom and liberty of individuals through the blocking of their ability to own products, but they immediately destroy private companies who are merely trying to practice their dream of building a legal business.

Should the United States take action to make the legal age to purchase a gun to be XXXX, then that will be the law of the land and Americans that disagree will have the powers granted to us under the courts to pursue correction, however we do not have such protection when a bank blocks commerce and blocks Americans from purchasing a legal item. 

How would it be any different if XXXX  or Citigroup opted to block the sale of Bibles or any materials that say XXXX is a sin? Where the bank might disagree, the 1st amendment is a protection of free speech, but if a bank feels the 1st amendment should not allow specific speech, they could powerfully destroy that liberty by making sure no American could purchase anything that supported beliefs the banks do not believe in.

I urge you to take these complaints seriously. If not blocked, these two banks and possibly others will be emboldened to pursue addition social change through their lending actions. This is a threat to our constitution and our very way of life that should scare and concern every American regardless of their personal beliefs.
To Whom this May Concern :   XXXX     I sent out letters to all three bureaus pertaining to a bankruptcy on my report. I asked the bureaus to send me documentation with my signatures and how they verified this information. The bureaus stated that the courts verified this information to be true and accurate. I got a letter from the court stating that they do not verify nor submit any information to the credit bureaus it goes through 3rd party companies such as   XXXX   XXXX   which is against  Federal Law   XX/XX/XXXX    the bankruptcy was removed from my equifax report then later it was placed back on. I need to speak with someone about having this information removed from my  Public Records
This is in regards to the last bill from XXXX XXXX XXXX for internet service ending in XX/XX/XXXX. I ended the service and moved hundreds of miles away. I provided my new address. I even stopped by an XXXX XXXX XXXX store to close the account. I never received any notification of any balance due. 

In XX/XX/XXXX, my credit report was pulled to secure a pre-approval for mortgage and there was no notice of the debt. My credit was pulled in XX/XX/XXXX, and my credit report showed that XXXX XXXX XXXX send a balance due to a debt collector for {$140.00}. I never received any notice of this debt. This caused my credit score to drop two credit tiers and will drastically increase my mortgage rate. 

As soon as I saw my credit report, I called the company ( told them of my situation ), and paid the amount in full. I was encouraged to pay it in full instead of disputing it, because I was on a tight schedule for my mortgage and paying it would improve my credit scored. I called all the credit report agencies to ensure that the reports show that it was paid in full. My credit report was pulled again and there was no change in my credit report. I contacted the company and they didn't offer any assistance. They didn't say anything that could help me.
In XX/XX/XXXX We took a loan for XXXX from XXXX XXXX XXXX, which later was bought by J P Morgan Chase Bank for a property located in XXXX County, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
Dear EQUIFAX, Please remove the following Employer from my report as it does not belong to me and is being reported in error : Wrong Employer : XXXX XXXX XXXX. I will wait for an updated copy of my credit FILE to reflect this change. Thank you in advance. Sincerely, XXXX XXXX
Equifax I have contacted you 7 times to remove old out dated or just not mine information 7 times by fax and phone You have address that are not mine that you will not remove 3 address .XXXX , XXXX , XXXX XXXX XXXX this is a partal address you have it on file. Also you are reporting XXXX XXXX And XXXX XXXX XXXX   they were to to be removed but you have not done so please remove them inquires there are 4 I never made .I will fax you the information with the CFPB case Number on it this was posted on XXXX XXXX XX/XX/2018
I have been denied credit because XXXX refuses to remove a a negative account from my profile. On my credit report XXXX XXXX XXXX is listed as a seriously delinquent account as of XXXX/2014 although I provided them with a copy of the original contract which states that the contract date was XXXX/XXXX/14 and that the first payment was not due until XXXX/XXXX/2014. Not to mention I paid the first three payments on the date of the contract. I have disputed this item on XXXX occasions and it is an obvious case of XXXX working to keep a bad spot on my credit because XXXX XXXX XXXX is a paying client. XXXX is responsible for what is reported to potential lenders and I want XXXX held accountable for this infraction of the FCRA. It has caused me emotional stress, pain and anguish because I am not able to live my life to the fullest and it is embarrassing to be refused credit especially due to greed. My quality of life has been greatly diminished. Not to mention I have spent days going thru the proper channels with XXXX and I earn {$1000.00} per day.
I received an email informing me that a late payment had been listed on my XXXX report the morning of XX/XX/2017. The compsny was Afni, and before yesterday morning I had never heard of them. Later that same night, I received notification that the same company had also reported to XXXX. I was never contacted by this company to receive notice of right to dispute.
Collectors are calling Family Members! This is not our debt, but they are calling us in reference to a family member who does NOT live with us! They are pushy, and we need to hang up on them. I thought it was illegal to contact family member! But these calls are aggravating!
I had a balance owe on my AMEX in XXXX XXXX. I paid the {$220.00} due through the phone. XXXX XXXX the statement came back saying I owed this amount plus late fees and interest. I told AMEX that I paid off the amount and sent them a copy of my bank statement with the withdrawal. AMEX stated this was not good enough. I called XXXX, my banker, and three way the call in so myself AMEX and XXXX rep was on the phone and this was not good enough to clear up the matter. When asked what would help to clear the matter the only thing AMEX keeps saying is to send the statement and have XXXX contact us. XXXX even sent a letter of confirming the issue. My credit is ruined and I can not find a place to live and I can not clear up this matter on my own. I contacted a lawyer and he stated I should contact the credit bureau first. PLEASE HELP!
Ace cash express email stating that I was approved for 3,000-10,000 dollar loan, name XXXX XXXX XXXX loan code was XXXX XXXX, wanted me to give him my bank login info and password, I refused, he hung up on me.
On or about XX/XX/XXXX or XX/XX/XXXX, an online company called " Myscore '' charged my Visa Card for {$29.00} unauthorized. 
XX/XX/XXXX while I was searching online to obtain legal counsel, in electronically agreeing to the terms and conditions for legal counsel, I inadvertently agreed to " Myscore '' as well. Immediately after discovering my error, I sent an e-mail to " Myscore '' demanding they close my account immediately. Unfortunately, they had charged my Visa Debit card immediately upon my agreeing. I advised them because it was my oversight, they could keep that fee but, close my account immediate and never charge my card again. " Myscore '' agreed to my demand and sent an e-mail confirmation to my e-mail address stating my account was closed XXXX XXXX, XXXX at XXXXest. 
" Myscore '' is an online service company with NO mailing address or US state location that, offers credit monitoring, credit fraud protection, unlimited credit bureau access to your own reports and alerts participants if their credit is being used by someone else unauthorized or may have stolen your identity ; " Myscore '' provides these services for an annual fee of {$29.00} until the participants requests their account be closed in writing or via e-mail. 
Coming up to XX/XX/XXXX, " Myscore '' charged my card again almost a year after I closed the account and received confirmation from them that my account was closed. 
I immediately informed my bank of this problem and they immediately closed my debit card, put the amount in dispute and issued a temporary credit to my checking account in good faith, hoping the company would credit the {$29.00} back to my account. Unfortunately, after 6 - 7 attempts from XXXX XXXX to XXXX XXXX the company has continued reneging on its promise to credit back the {$29.00} to my checking account. 
My bank stated that the company, " Myscore '', has abused their charging privileges and my rights as a consumer. 
Everyone I have spoken with, with the exception of XXXX individuals at " Myscore '', the customer service reps spoke with XXXX foreign accents and each one promised they would process my credit of {$29.00} ... each customer service rep was blaming another rep for my credit not being processed ; and with each promise from XXXX XXXX to XXXX XXXX, I was advised to wait 4-5 business days before the credit post back to my account ... which, to this date has not be done.
Experianis reporting XXXX item from XXXX XXXX that do not belong to me. I have sent the documented police report to them along with the notarized affidavit of identity theft. as well as sections 605 ( b ), 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which requires them to block these fraudulent items. I have disputed these items many times and sent Experian letters time and time again confirming this. I have even contacted XXXX XXXX to settle this and they told me to contact Experian because they have walked away from this item. Experian have ignored this request and continue to report these fraudulent
Experian 's dispute process for uploading documentation to the Experian dispute website does NOT work, i have tried unsucessfully for 3 days. the agents on the phone are no help whatsover. ive mailed the documenation with no success either. 

this is unfair to the consumer.
I have disputed with Experian in XX/XX/XXXX and in XX/XX/XXXX with ftc affadvit and police report with utility bill, copy of id, and copy of report of identity fraud accounts reporting on my credit file and they responded with a credit report with the same info on it again. I also reported with the companies that were reporting and only a couple of them actually sent me notification that they will inform the bureaus to remove my info. I just checked again and even though there was no verification, the accounts remain on my credit file causing extreme distress and preventing me from refinancing my home loan. There were a couple of things that they said they verified but did not provide me of the info that they verified with. I told them that whatever they verified was not true because they were not my account!!! 1. XXXX Negative item- never heard of them. 2. XXXX Negative item 3. XXXX Negative item XXXX Negative item 4, XXXX. These were formerly disputed through your organization in XX/XX/2015 but you were unable to reach me because of change of phone number.
Midland Credit Management contacted my landlord several times and told them they were calling to collect a debt of mine in violation on FDCPA 804 ( 2 )
After a year of having my mortgage with Ditech, it was sold to another service provider for a period of only two months and then Ditech bought the mortgage back in XXXX of XXXX. My first payment due date was XXXX XXXX, XXXX. I mailed my payment on XXXX/XXXX/XXXX and Ditech received the payment and the check cleared my bank on XXXX/XXXX/XXXX. The last week of XXXX I received a call stating that my payment was late. After speaking to a representative ( XXXX in XXXX XXXX ), she noted that Ditech did in fact receive the payment, but it was not applied to my account for an unknown reason. She then advised me that when my XXXX statement arrived showing the past due amount, that I should only pay one payment and that she would insure that my XXXX payment was credited to my account. On XXXX XXXX, I received a voicemail from XXXX again, stating that the XXXX payment was indeed past due and I should contact Ditech. When I called ( speaking to another representative ), I was told that the check that cleared my bank on XXXX/XXXX/XXXX had been refunded to me on XXXX/XXXX/XXXX. When I asked why, I was told she was n't sure. As of the date of this letter XXXX/XXXX/XXXX, I have not received any check. To make matters worse, I was told that in order to keep my account in good standing, I was to make the XXXX payment again or risk becoming delinquent. I did so by phone and have a confirmation number for that payment. Against my better judgement, I did this to protect my wife 's and my good credit. My XXXX payment was due on XXXX/XXXX/XXXX and again, against my better judgement, I mailed this payment by check on XXXX/XXXX/XXXX, in fear that the payment from XXXX/XXXX/XXXX would not be credited to my account. As I business owner, I understand that accounting errors can occur, but every time I have contacted this company, I have not received a straight answer where my first XXXX payment is. The answers have been from 4 different representatives : 1 ) It will be credited to your account, 2 ) It was refunded by check on XXXX XXXX, 3 ) It was electronically transferred back to your account, 4 ) We do n't see a payment from you on XXXX/XXXX/XXXX. None of these items have occurred. I have copies of the cancelled check and it was deposited into Ditech 's account. Today, I went to my mortgage loan originator for his help. We jointly spent one hour on the phone with 4 different Ditech representatives and got different answers from each one. No solution was presented by any representative. We were sent to a voicemail of the 3rd supervisor of the day and never received a call back. This company has violated the terms of the mortgage agreement, while I have complied. This entire issue is an internal Ditech issue, but has quickly become my issue.
Due to my divorce I am unable to pay the mortgage I made an attempt to pay the mortgage but the servicer Caliber Home Loans returned the payment. My kids live with me and we are afraid we will be left homeless during the holiday season. I retained a real estate agent who has had the property for sale since XXXX but due to the house not having a garage and being in front of a elementary school it has not been sold. We've also reduced the price of the property significantly in order to make it more marketable and we are still unable to sell it. The agent requested to stop the foreclosure process with my servicer but my servicer continued with the process. 
Please help us!
Company = Coinbase Website = https : //www.coinbase.com Problem = can not access Coinbase service and my money Hi, here is what happened to me : - XX/XX/XXXX I requested support to Coinbase since I lost my secret key ( 2FA ) to access my Coinbase account - so I followed their instructions -XX/XX/XXXX I successfully completed their procedure to verify my identity. And they sent me an emails saying : " Please allow 48 hours for your TOTP 2-Factor Authentication to be disabled before signing in '' - Today XX/XX/XXXX ( after 17 days ) I'm still waiting ... .no answers from Coinbase support despite my emails. I'm still not able to use my Coinbase account and so my money there.

Thanks fro your support.

Best regards, XXXX XXXX
I paid my credit card in full about 3 months ago, and when I requested my credit report TRANSUNION and XXXX XXXX show that my credit card was paid in full. the only who shows the correct paid was XXXX, I called my credit card bank and they told me that they report the info in XXXX XXXX. Im working on fix my credit and I need the correct info in my report.
my XXXX sister XXXXXX/XX/XXXX, with a reverse mortgage.i promised her that i would take of the funeral exspenses and etc. i notified the mortgage co. and other envolved parties of her death.we were told that her real property would go back to the mortgage co. it has been over 4 years since my sisters XXXX, and the property is still vacant. now the mortgage co. is threatning to sue me to payoff the loan balance.i have no connection with her property or her mortgage
On XX/XX/XXXX I went to the emergency at XXXX XXXX XXXX   Hospital from a XXXX XXXX. The following month I received a bill of {$270.00}. I forwarded the bill to to owner of the dog because they said they will take care of the bill and they give me a check of the said amount and I took is personally to the hospital and it was settled on XX/XX/XXXX. Since this payment was made I never ever received any other bill or calls letting me know of any unpaid billof {$280.00} at all. I have been working on building my credit by making all my payments on time for the past six years. Last year around XX/XX/XXXX I received an alert that my credit history had drastically gone down. I launched a dispute through XXXX   to determine what was wrong with my credit and they investigated and informed me that I had a bill that was not paid for XXXX XXXX XXXX Hospital. I called the collectors XXXX XXXX XXXX XXXX to find out about this said amount and advised me to find out from the hospital. Therefore I personally went to the hospital and they checked their records and said that I didn't have any unpaid bill unless if it was for the emergency physician Dr . They gave me a No. to call for physicians billing department. I called them and they also said that they could not find any unpaid bill with my name with them. I called the collectors and they explained to me that they were directed by a company called Pendrick capital Partners whom they claim were the purchasers of the physicians company. I asked if anybody called or wrote a letter to inform me of this unpaid bill of {$280.00} and they could not give me any answer. I was very absent and disappointed and asked them why nobody including the XXXX XXXX XXXX XXXX ( collectors ) nor Pendrick Capital Partners ever informed me of this unpaid bill before they forwarded it to my credit report. The letter that was issued was after my phone conversation with XXXX XXXX XXXX for collection which was to cover up that they wrote a letter earlier trying to recover the unpaid bill received after my phone call on the XX/XX/XXXX claiming the legal time had expired. In the first place how can they say they made attempts when I NEVER received any letter to inform me of the bill. This letter they just issued is the first I ever received. Why would they claim they made attempts and why could they issue a letter like they did after my phone call and after damaging my credit history. I have always paid my bills on time and this could not have been an exceptional. I need an explanation why nobody informed me of the said bill? Legally there should have been attempts either through writing or phone calls made informing me about the unpaid bill and to my dismay no efforts were made.
I set up a monthly payment of XXXX $ and two months it was taken out of a prepaid card the next month XXXX was taken out of my account and I called to resolve the issue. They send fax my statement which I did about 4 times they never received. I was speaking with a XXXX or XXXX, now another representative calls me to accuse me of lying. She hung up the phone after threatening me while I was asking for the company email or personal so I can send her the proof. Her name was XXXX. I have attempted several time to call her back and no response I also found the company phone number no one answers as well.
XXXX XXXX IS REPORTING A ACCOUNT ( XXXX ACCT # XXXX ) TO XXXX THAT IS STILL SHOWING DERROGETORY INFORMATION THAT SHOULD BE DELETED FROM MY XXXX  CREDIT REPORT.

THEY SOLD THE ACCOUNT TO XXXX XXXX BUT NEVER DELETED THE ACCOUNT WHEN THEY SOLD THE ACCOUNT. THIS ACCOUNT WAS SOLD TO XXXX XXXX  ON XX/XX/XXXX. SEE EXHIBIT ( A ) ATTACHED.

ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX SENT DELETION NOTICES TO ALL CREDIT REPORTING AGENCYS TO DELETE THE ABOVE ACCOUNT, ATTACHED IS EXHIBIT B & C TO SEE THE LETTERS OF DELETION TO ALL CREDIT BUREAUS.

I CONTACTED XXXX, AND THEY STATE THAT ITS UP TO XXXX XXXX TO REQUEST THE DELETION OF THE XXXX   ACCOUNT # XXXX.
I am a XXXX Veteran and have limited income. I reached out to bigpictureloans.com for a loan due shortfallings on my bills in XX/XX/2017 I was paying the installments on time only to realize that the {$800.00} I did pay on my {$1000.00} loan was only interest and that I still had over {$3000.00} to pay. How could anyone afford that? This is highway robbery. There is no way I can continue to afford to pay them {$400.00} per month on a {$1000.00} loan for the next year or so.
I am a victim of identity theft. I have included documentation. The inquiries from this company were not authorized.