WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, I received a phone call from XXXX XXXX XXXX, the collections agency, saying a small medical bill had been sent to them after the medical provider had not received payment. Come to find out, the medical provider had mailed it to the incorrect address and did not attempt to contact me when payment was not received before turning it over to a collections agency. I was in college at the time and thought my parents had taken care of the bill. I found out in XXXX XXXX that the bill had still not been paid, upon which I paid it immediately. XXXX years later, my husband and I are purchasing our first home and are applying for a mortgage. Our mortgage broker notified me that my XXXX XXXX was being severely impacted by the collections claim still appearing on my report. Although the balance shows {$0.00}, XXXX XXXX XXXX is still reporting this to Equifax, which is the score the mortgage broker uses to pull credit. MDS is not reporting it to the other credit bureaus and my scores are above XXXX with them, while my Equifax score is XXXX. Because my credit is so high without the collections claim, I called MDS and spoke to XXXX different people, all of who refused to remove the claim. I also left a voicemail with the head of XXXX who never returned my call. I also called Equifax who told me they have no control over what is reported to them and can not remove it. Obviously, my husband and I are now receiving a worse interest rate on our mortgage because this claim is still being reported XXXX years later.
Hello. I am a XXXX military veteran. I had all my student loans on forberance. Upon my arrival back from XXXX. I get a call saying my forbearance had expired and I did not reapply. That is not true, I did resubmit and faxed my orders to XXXX XXXX XXXX. Without that forberance my score went down and my credit hasn't been the same since 2012! Plus, my loan account moved to another provider and I never knew it! They were sending mail to an old address and did not have the correct number to contact me. So, by the time I would reach out to someone on my behalf ... the loan had moved! Very frustrating. My credit is jacked, my grandparents who co-signed for me ... their credit is messed up. I 100 % know I play a huge role in this and I take responsibility for my mistakes. But, I serve my country and comeback home to set things straight and I haven't been able to get a grip on my life and my credit life yet. Forberance was the only thing helping my credit score stay above water until I can make payments consistently and comfortably. Now, I hate when my phone rings and I just want to get it right.
Check and Go debt from XXXX. Filed Chp XXXX Bankruptcy in XXXX XXXX, was discharged in XXXX XXXX. Check and Go was listed on the XXXX. I received a telephone call / voicemail in XXXX XXXX from " XXXX '' XXXX ( XXXX, XXXX XXXX XXXX ) stating that they were going to be delivering a summons to my residence and then my job and that I must have a supervisor present. I returned the phone call and indicated that I had filed for Chp XXXX Bankruptcy in XXXX XXXX. They stated that this was a fraud charge and my bankruptcy did not protect me from that. I forwarded this information and the voicemail to my Bankruptcy attorney. Today on XXXX XXXX XXXX, I received a voicemail on my personal cell phone and work telephone from " XXXX XXXX XXXX '' XXXX stating that I needed to contact this number and that the voicemail would serve as " legal notice ''. I returned the phone call and the " Senior legal representative '' stated that fraud charges were being made against me because of the Check and Go debt from XXXX that was included in Bankruptcy. I explained that my bankrutpcy was discharged in XXXX XXXX, asked them not to contact me again at home or at work, and to call my attorney with questions. They stated that my bankruptcy has nothing to do with the fraud charges being placed against me. I explained that I knew this was scare tactic and that I was not falling for it. She insisted that she was forwarding my account to a " locater '' and that I would have to appear in court with my attorney to answer to these charges. I again asked this company to not contact me again regarding this matter. She stated that the phone calls would continue. I disconnected the call. Immediately after disconnecting the call, I received XXXX " Unknown '' calls. I answered, nobody on the other end. This is also harassment in nature.
XXXX  has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAGEMENT XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that SOURCE RECEIVABLES MANAGEMENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed. Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act. Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer. Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client. This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reportin g hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.
I have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XXXX XXXX Acct # XXXX 2 ) XXXX Acct # XXXX 3 ) XXXX  XXXX Acct # XXXX
Cain and Weiner claim I owe XXXX to XXXX for an insurance policy that appears to be either duplicate or fraud. They previously sent me a notice about a Progressive policy, however, they amount they were seeking is much higher. They claim they stopped collection efforts but have now sent me a notice looking for XXXX. My vehicle was totaled and no longer in possession of it, motor vehicle is aware and plates were canceled. I have not been in possession of vehicle since on or around XXXX. XXXX was told to cancel, however, it appears the rep ( s ) did not do so. Again, I believe they are referring to a previous policy which Cain and Weiner previously agreed to stop collection on
XXXX XXXX XXXX is reporting inaccurate information regarding an alleged late payment. We were never late on this account. I have disputed this information with XXXX XXXX XXXX and they have claimed to verify the information as accurate. However, I was able to locate the agreements signed by an account representative of their company which moved the seasonal payment due date and receipts and confirmation numbers showing we continued to make our regularly scheduled payments during this time. The seasonal payment is a flexible payment that is contingent upon when customers receive their tax returns back from the federal government, in which consumers have no control over. A payment can not be late is the due date is modified in writing by a representative of this company. XXXX XXXX XXXX continues to report this inaccurate information despite my dispute, and efforts to bring a duty to report information accurately per the Fair Credit Reporting Act to their attention. I have disputed this information with the Credit Bureau, XXXX, as well who has also claimed to verify the information as accurate when in fact it is not, and the enclosed records provided to both companies proves this. However, they continue to report this inaccurate information in violation of my consumer rights under the Fair Credit Reporting Act.
I need a review of the mortgage for fraud they do n't want to give a mortgage they have been asking for the same paperwork over and over again, they want foreclosure, I want to get a modification
I have sent Experian proof several times how XXXX XXXX has been ( for over 3years ) falsely report to companies that I have late payments from 30-120 days late yet I was granted a deferment for these XXXX account ( total ). 
Experian is avoiding my request by keep sending me a letter staying they were unable to honor my request because I did not provide sufficient identification information for them to verify my identity. This is what Experian keeps sending me every time I try to have them investigate those XXXX total XXXX accounts that 's currently being falsely report late payments of 30-120 days late years after I was granted a deferment. 
Please read the attract proof of claim.
On XXXX XXXX, 2017 USAA closed my account and refused to return all funds owed to me. {$1100.00} was deposited into the ATM own by USAA, deposit was made by cash. USAA decided that the account transactions were fraud and informed me that no money would be returned. Ive contacted USAA several times and sent them all documents of identification proving that I am the actual account holder. On several occasions USAA has hung up the phone when I was addressing my concerns. USAA has never emailed me or mailed a letter about this situation all form of communication was started by myself the account holder
Receivable Solutions Inc has repeatedly called even after we stated that this debt is past the AR statute of limitations for medical debt collection. The first day we spoke to them, I told them that this was past statute of limitations and un-collectible and not to call again about this debt ; they called back a few minutes later, and at that time I told them that I was filing a complaint with the government. Then calls came everyday. 
# XXXX .. XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX
I AM PROVIDING A COPY OF THE NECESSARY DOCUMENTS REQUIRED FOR A IDENTITY THEFT REPORT PURSUANT TO THE FCRA 605B.
We put our home up for Sale as a " Short Sale '' on XX/XX/XXXX. We have two issues with Citimortgage : # 1. Received an offer on XX/XX/XXXX and since then Citimortgage has requested new closing dates every month ; for different reasons. A year later the new closing date is XX/XX/XXXX. Need a reason why it took so long for the closing. Which put me threw a lost XXXX. 


# 2. We were told by Citimortgage Representative, that we will receive a relocation incentive of {$3000.00}. That is no longer available because they said we moved out. Yes, we moved out to due no heat in the home, however I still have furniture in the home ; I am staying with family members.
In XXXX 2015 I responded to the XXXX, Delaware ( XXXX XXXX ) Citizen 's Bank Branch in response to XXXX $ promotion for opening a checking account. The teller explicitly told me to qualify you needed to keep the account in good standing and make XXXX online bill payments. The teller said that SHE HERSELF WILL POST THE BONUS IN SEVERAL DAYS! Of course nothing happened, and I contacted the regional manager. That manager apologized for the teller and told me even though your XXXX online bill pays were PERFECT ( this qualified ) you must wait 5 months later to XXXX XXXX!!! Yes, a FEW DAYS became 5 MONTHS! So on XXXX XXXX 2015 no bonus was received and I called customer service and the local branch manager - who said " oh you needed XXXX SEPARATE MERCHANTS on bill pay, so you do not qualify. So SERIOUSLY, they mislead me on the bonus payment date, then they mislead me into believing I qualified with XXXX bill pays, then they make me wait 5 MONTHS to tell me I did not qualify - and as frosting they failed to respond and resolve the issue on XXXX XXXX. This bank is DECEPTIVE and possibly PREDATORY, they failed the elementary rule of business - HONORING YOUR WORD. I made a complaint requesting them to execute regional managers statement that I qualified As of XXXX 2015 they have refused to reply or make the deposit of XXXX $ to demonstrate HONORING their WORD.
It started by them tell me I did not have to make a payment until after I graduated, which was a lie I had to start making payments before I graduated college, not able to meet the required payments I got small jobs that I could work around my classes just so I could make a payment, While I made these small payments. I received harassing phone calls from them telling me I needed to make a payment. My loans are not put together for one lump sum payment, so I have to make multiple payments each month to different loans. They were all through XXXX XXXX XXXX I have been sold out to different loan companies while I was making payments and no one will send me proof of my original title. They have also sent me to court while I was making payment to them. Since I did n't know my payments were n't be shared I am now paying through collection agents and to a lawyer on two of the four loans. They keep going up on the amounts owed each month, so it is continuing getting harder to meet the required payments.
This car loan has been paid in full.. I have requested to be removed from my credit report but they have not done so. I have not received any response from this company. This has been showing on my credit report as current but the car loan has been paid in full and should have been sent to all XXXX credit reports to be removed from my credit. 
I have another car loan with them that is correct but this account should have been removed. They are not willing to help me at all and are not giving me any information whatsoever.
Experian is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a UDF form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. I rcvd an email that my most recent dispute has been completed on XXXX/XXXX/2017, but I did n't r'cve information pertaining to my dispute. I also found it very difficult to dispute inaccurate names, addresses and phone numbers that appears in my credit file. 

I was told that the public records Bankruptcy ( which reports on my credit report inaccurately ) was verified through a third party company named XXXX, but when I contact XXXX I am told that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that Experian is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their credit file.
I sent a letter dated XXXX XXXX, 2017 to Capital One ( the company I have my credit card with that processed the charge being disputed ) explaining that I purchased facial cream under a trial period, and notifed the company within the trial period that the product did not work. This call to the merchant was to make sure I was not charged with the purchase. If I did not make this call, I was to be charged {$89.00} for the sample product and every 30 days a new shipment would be sent to me. Capital One took my complaint but had me go back and forth with the merchant multiple times trying to resolve the dispute, which I had done before contacting Capital One. After many calls, Capital One said they needed the cancellation number that the merchant provided me with when I called to cancel the product. Of course, the merchant knew the game and told me they do n't provide cancellaltion numbers. I even told Capital One that the merchant 's number says they tape the calls and I suggest that Capital One insist on hearing my calls to them. They refused. To make a long story short, Capital One refused to reverse the charge, saying I first needed to provide them with a cancellation # before they could reverse the charge. Capital One made the entire complaint about the cancellaltion, rather than about receiving a product that was a total fraud. I sent Capital One ( along with my letter of information ) 9 pages from different consumer organizations saying how the product and the merchant with frauds, the product did n't work and they were charging account, not crediting accounts back that had complaints, and illegally charging multiple times without consumer 's approval. Capital One chose to ignore all this information and refused to reverse charges, saying I could n't provide them with a cancellaltion #. This is the only dispute I 've had with any purchases from Capital One for a very, very long time and I 've been a customer of theirs for many, many years, which makes it more difficult to understand why they would be so difficult.
A Payment for XXXX for XXXX XXXX was denied for insufficient funds from Chase Bank. A DD from SSD was scheduled for XXXX, and payment was made late on XXXX. 
As of today balance of {$390.00} from a {$580.00} DD. Purchases and payments do n't add up. Chase bank is stealing my money.
I am in the rehab program with Coast professional. I just completed a rehab program with XXXX who took out payments via ACH. Coast however was drafting payments off my debit card. A couple months ago I replaced the lost debit card causing me to miss two payments within the rehab program barely catching it before 90 days. I had the money in there but received no call, email, or letter letting me know a payment was missed. Apparently they did not have my apartment number on file. 

I suppose I should be grateful that I was allowed to make a payment and continue the program. They told me that if I had not called within the next 3 days I would of had to restart the whole program from scratch and lose all my payments. I had made 4 payments before this happened, however they said because I missed two payments they were taking two payments away. So the payment that should have been my fifth was counted as my third. Essentially they pocketed a little under {$400.00} ( 2 payments ) of my money and extended out the length of the program a couple of months.

This just does n't make sense to me. Especially since I made two payments at once to get through the program faster and you are allowed to miss one payment during the program.
I am unable to receive my credit report online as described on their web page. I have tried several times over the last year and it will not allow it. I think the process to get a copy mailed is too complicated and they are doing this on purpose. There is no logical reason I shouldnt be able to get it online. I am asking your department to find out why they cant and do they do this to everyone. 
This company is XXXX. I believe this is unethical, if not illegal.
We have a Citi Best Buy card and have for years. Last XXXX we fell behind on our payment, due to the XXXX my husband lost his job. I thought Citi would work with us, unfortunately they would not budge. Our account went 3 months late. Even though I was making a payment, since it was not the full amount, Citi did not care and continued to add late payments. On XXXX XXXX, 2016, I spoke to an online chat rep asking if they could please lower the interest on the card so it would be more manageable for our family. I was told no and basically that I was irresponsible for letting the card go over its limit. I asked them to state that as a Citi repr they would not help us with the payment, I was again told I was irresponsible. I was n't asking to remove the debt, just to have a payment that was manageable. We have made every payment on time for years and were treated horribly at a time we needed to the help.
On XX/XX/XXXX and XX/XX/XXXX ... This bank pulled my credit. I have been having a problem with this bank for over a year. I did not and do not authorize Chase to to make a inquiry on me and it seem like someone periodically run my credit every 3 -6 months and im tired of this
I applied fo r PayPal Credit an d was approved in  XXXX   XXXX  of  2017, si nce then I have made several attempts to use the credit as it was provided to me per their disclosures. The credit is unusable in every way, i have made rough ly 20 at tempts trying to purchasing varying items to see if the credit is usable and to no avail. They are only offering these products as an attempt to bolster their marketing and promotions for their product but do not provide any actual credit, many consumers have complained about the fact that PayPal blocks ALL credit transactions and avoids having to actually supply credit, and their excuse is always " security or fraud related protection ''. So it should be simple I prove my identity and the " security '' issue should be removed and so I did which I provided additional identity documents verifying my identity on the week of  X/XX/2017    and Pay Pal STILL WO N'T OFFER CREDIT despite indicating that i have a {$2700.00} credit line. This appears to be illegal that they are falsely advertising credit but not actually allowing consumers to use it.
In the state of Wisconsin, collection agencies have to licensed in order to collect a debt. Rent Recover , LLC is not licensed in this state. Furthermore, I never received any written communication in regards to this debt. It simply appeared on my credit report.
Grant Mercantile Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX  XXXX XXXX XXXX THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX  and XXXX and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me.
chase has continuously checked my credit even after having called them and explaining that I do not want, nor have I ever, applied for credit with them. 
I have not applied for any credit in 2017, and Chase has run my report at least 3 times! None of which times were authorized or initiated by myself. 
I called the credit bureau and had place a freeze on my ss, but this has not stopped Chase from running my credit again at least twice after the fact. 
I want this ended, yet Chase continues to run my credit regardless of the freeze on my social security number.