WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement each month I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors ( The payment includes the total Credit Debt $ + Lower interest rate ). 

I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying 600 $ + to this company every month from XX/XX/2016. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
( Reference Link - https : //www.ftc.govXXXX ) For all this time as the company " XXXX XXXX XXXX XXXX' never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made.
XXXX. I am told that PennyMac is obligated to return all monies in my escrow account within 21 days. I called PMac last week and was told the check was sent on the XXXX or XXXX of XXXX. I called PMac today and advised them they were in violation of the law as it is now 30+ days since closing. I was put on hold for about XXXX minutes after telling the rep I wanted the check Sent by XXXX. I was then transferred to a voice mail where I repeated the problem and again requested the check which is for about {$400.00}. Your aid is requested and it feels good to have a place to go to when people with wobbly business practices display their contempt for us. Thanks!!
I have submitted XXXX accounts to Equifax with my police report and notarizes affidavit and will not remove the accounts off my credit. XXXX and XXXX have removed. Equifax will not.
On XXXX XXXX, I booked a hotel room through a website called XXXX. The website operates like traditional sites such as XXXX, XXXX, XXXX. The only difference is that after completing a booking through XXXX, the website will then credit airline miles to the airline of choice that a customer has specified. 

On XXXX XXXX, I booked a XXXX night reservation through XXXX for a stay at a hotel called XXXX by XXXX. I paid {$190.00} for the reservation and was told by XXXX that I would receive XXXX XXXX XXXX miles upon completion. XXXX for the reservation, XXXX as a bonus, and XXXX from a referral. 

However, apparently the site has a condition that in order to receive the miles, it had to be a first time booking. The problem is that this was not communicated to me before or even after making the reservation. Instead, it appeared that the XXXX miles would be credited upon completion but it never happened. After completing my stay on XXXX XXXX, 2015, XXXX only credited my account with XXXX miles instead of the promised XXXX miles. 

I paid for the reservation using my Chase XXXX card and recently called Chase to ask for a chargeback. After explaining the situation, Chase informed me that they " do n't deal with miles. '' They said that since I was able to stay in the hotel there is nothing they can do. 

I feel very ripped off here. I could have booked the hotel through other sites for which I could have gotten better prices and/or discounts such as XXXX, XXXX, XXXX, XXXX. Instead, I booked through XXXX which clearly stated I would receive XXXX XXXX XXXX miles after the hotel completion. 

XXXX failed to deliver on this expectation and as such I expect Chase to refund the money owed to my credit card. 

FYI, I 'm also attaching a snapshot of the completed reservation, purchase price, and that XXXX miles should have been credited. It shows XXXX instead of XXXX because XXXX was from an account referral that was also promised and XXXX again failed to deliver.
I received a notification that there was an inquiry from Capital One on my credit report on XX/XX/XXXX. I called Capital One at XXXX XXXX on XX/XX/XXXX. They confirmed an account was opened with all of my information. They said they filed something with their fraud department and the account would be closed. They said Id receive a letter noting the account was closed and that it would be removed from my credit report within 90 days. I received the card in the mail on XX/XX/XXXX. I called back in on XX/XX/XXXX and the system recognized my account. I went to a supervisor in the fraud area who told me the account wasnt closed on his end and apparently there are multiple systems. I asked for more information like how they applied ( phone or internet or an employee of theirs ) and he said they dont have that. Of course they have that! He was unwilling to provide any information and both people I talked brushed this off like it was nothing. It is something to me! My identity has been stolen! It came across as if it happens all the time and its nothing. The fraud supervisor said there is no way to catch this until the consumer calls in saying it was fraud. Im a XXXX XXXX by trade, and thats ridiculous. There are fraud tools that detect fraudulent emails amongst many other things. There is verification they can do with the credit bureau as far as comparing length of address and employment. There are red flag procedures they should have. When I brought up these things, the supervisor just repeated himself over and over and talked to me like I was clueless. It doesnt appear they are protecting anyone and it appears all that matters is the new card to them at the end of the day.
Re : Fidelity Visa Credit Card, XXXX XXXX XXXX On XXXX/XXXX/XXXX I made an electronic funds transfer ( bill payment ) from my bank account to my credit card account in the amount of {$1000.00}. I did not receive an email confirmation on that day, nor the following day, nor could I find in my account information that a payment had been made. As such, on XXXX/XXXX/XXXX, I again made an EFT to my credit card account. 
Now, two debits of {$1000.00} are shown on my account, and apparently made at the exact same time on the same date. 
On XXXX/XXXX/XXXX at XXXX XXXX, I received 2 email confirmations showing debits of {$1000.00} On this date, I call XXXX XXXX  XXXX XXXX to request a cancellation or refund, and spoke to XXXX at XXXX XXXX+/- I was advised, in substance, that : This company is a bank, and unless someone shows up for work, no electronic confirmations will be made. XXXX will debit your account immediately, however, to return the inadvertent transfer of {$1000.00} from the float, it may take 10 to 15 days to correct the error.
I forwarded one of my tax bills to SunTrust Mortgage. They only paid aportion of the bill, and I was assessed fine/cost of {$280.00}. I contactedthem about this and they told me they would refund my account for thedifference because it was their error. After several months and severalmore phone calls I have still not received a credit to my account.
I went to XXXX XXXX XXXX MI and was told I would have a loan thru Genesis Lending which I learned was been since investigated. I have had issues with the Instiutute itself and can not rid myself on the ongoing debt and no way to fix the issue. I am in debt {$16000.00} for a XXXX XXXX certificate in which I never got due to issues with promises of an externship. Once externship started I was told I didnt do well enough or only given limited access to the job I was to learn. The Genesis Loan I have tried to resolve but I get phone calls and letters weekly. I can not pay back any money if I am unemployed. I have discussed with them several times and I get the same answer. Its unclear to me also how I am responsible for paying back loans on a college that the government had to shuit down due to the dishonest nature and students left in unreasonable debt.
I received a notice that there was activity causing my credit score to decrease. When I check my report I saw that L J Ross and Associates had reported a collection of {$180.00} on my credit report. I was not aware of this matter by this company and had never heard of them until the entry was placed on my credit file. I am really puzzled because, my utility company is the same, and my utilities are still on and I have " not '' received any notice from them indicating that I have or had an overdue or delinquent account. 

I have disputed this matter with the credit reporting agencies and this company that I had never heard of or received a collection notice from " verified '' the debt. I have yet to see any verifying documents. I am preparing to sue this company and wanted to make you aware of it.
WAS DOING a reverse mortgage but because they only can add or tack so much on the original loan we did not close.At that time I had been promised by my reverse mortgae professionals supervisor that AAG would pay certain bills that incurred when -like the mold inspection etc.That wasin XXXX now it is XXXX and I have received imvoices for the bills.XXXX told me to fax the invoices to him and he would see what he could do.All he said was that we did not CLOSE so consequently they could not pay the invoices.This is my basic complaint-his supervisor assured me that they would pay these bills
Receivable Performance placed a " collection '' on my credit report in behalf of XXXX on XX/XX/2015 in the amount of {$110.00}. I disputed this with XXXX  ( unfortunately, I can't recall the date ) & XXXX sent me a letter stating basically that the debt was mine. This is LITERALLY IMPOSSIBLE! I HAVE NEVER HAD XXXX. XXXX DO NOT SERVICE MY AREA. I have the same name as my father with the exception of my middle name ( My dad does not have a middle name ). My father HAS HAD XXXX in the past. 
Please investigate this and have it removed from MY credit report. 

Thank you for your assistance!! 

Receivable Performance XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WA XXXX XXXX
Per previous request here is a notarized FTC affidavit, police report and I am disputing XXXX charge off entries on my consumer report with Chex Systems. I am disputing these entries with chex systems. The reported information that I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also disputing the inquiries that were associated with these accounts.
I contacted XXXX XXXX XXXX on XX/XX/19 regarding a letter I received in an attempt to collect XXXX. I asked if these claims had been filed through insurance and was told that it was simply too late to file ( regardless of the fact that I told her we had issues with our insurance company during the time of the claims ) and that this amount would be added to my credit report by XX/XX/XXXX if I do not pay regardless of payment arrangements. When I contacted the insurance company, they were more than happy to begin the process of refiling the claims as it was no fault of my own that they were denied. 

In my opinion, this was a deceptive tactic to collect monies owed rather than inform me of my options. She did tell me I could follow up with insurance, but then said it was too late. This felt like she was leading me not to follow up by saying, " At this point it's too late for insurance to be filed. Most insurance companies only have window of time that claims can be filed. Outside of that window they will be denied ''. 

XXXX also told me that they remove negative impacts from credit reports once they are paid in full, but I paid off a medical collection bill with them quite some time ago that still remains on my report after I was promised it would be removed.
Reporting a charge off account. Never received any documentation stating I owed the amount and never gave me the opportunity to pay the account. Also, when sold the auto was told I had gap insurance and found out I was lied to later. Reporting charge off and wont provide documentation. Requested numerous times for original documentation confirming it was even my account. Called and left a message to discuss never got a returned call.
My account was hacked on XXXX mail order credit company, fraudulent charges was made of XXXX, my address was changed to a CA location and also my E-Mail was changed. I sending in to all 3 credit reports the official police report, letter of complain to the Office of the Attorney General of State of New York. I received a letter from the Attorney General their office spoke with XXXX and the unauthorized charges will be removed. 
My account now reflects a XXXX balance which was before this incident happens. 
The address in CA still appears on XXXX report and Experian report. 
Experian has given me all kind of excuses first it told me that only XXXX can remove this address from my file. After it said that if I sumitted all the proper documents it will be deleted. I submitted all the proper documents now Experian send me another noticed that it ca n't make changes without contacting the furnisher of the information or the vendor who collected the information from a public record. I have to wait 30 to 45 days it will provide me with the result.
I received a bill from : Receiveables Performance Management, LLC, XXXX XXXX, phone : XXXX, for {$490.00}, for DISH NETWORK. I called their office XXXX times to dispute this bill. I was put on hold all XXXX times. I was never able to speak with anyone.
In XX/XX/XXXX/XX/XX/XXXX, I refinanced my Wells Fargo mortgage to a fixed rate of 4.125 % that matures in XX/XX/XXXX and has no prepayment penalties. Since, XX/XX/XXXX this newest misapplication of my mortgage payments issue has existed. The bank has attempted to falsely foreclose on my home. By Wells Fargo falsely CLAIMING : ( 1 ) past due mortgage payments up to 2-5 months ; ( 2 ) demanding the refinancing of my 15-year mortgage to one of their 20, 30, or 40 year to pay for two months ; ( 3 ) two years of past due and late mortgage payments to the credit bureaus ( e.g. XX/XX/XXXX reported serious delinquency of 11 months ) ; ( 4 ) loan falsely placed into the foreclosure department ; ( 5 ) often forced to make 2-3 months of payments within 30-days to avoid immediate foreclosure ; ( 6 ) advance annual early escrow prepayments or buydowns of upwards of {$2000.00} ( above mortgage payments ) ignored ; ( 7 ) mortgage payments often misplaced into principal, escrow, etc. ; ( 8 ) numerous late payments created by reversing, hiding, or splitting my advance mortgage payments ; XXXX 9 XXXX their information correct despite two-years of communications ( e.g. letters, cancel checks, phone calls, faxes ) ; ( 10 ) refusal to mail me monthly mortgage statements ; ( 11 ) consistently wrong balances due shown on mortgage statements, bank letters ( because statements not mailed ), or sending multiple monthly statements in a month ; ( 12 ) that my account was being handled by the bank president 's department ( but unsuccessful ) ; and more! On XX/XX/XXXX, I received their ( XX/XX/XXXX ) letter that read : " Wells Fargo Home Mortgage is pleased that you were able to successfully overcome the challenges you faced when your mortgage loan was previously in a default status. '' Two check payments on XX/XX/XXXX ( # XXXX ) and on XX/XX/XXXX ( # XXXX ) each for {$1200.00}. Regardless, the XX/XX/XXXX bank statement requested a total of {$2600.00} ( with {$240.00} in unpaid fees ), plus an extra {$41.00} late fees. The first XX/XX/XXXX statement requested a total of {$2600.00} ( with {$240.00} in unpaid fees ), plus an extra {$41.00} late fees. The second mortgage statement, dated XX/XX/XXXX ( with {$280.00} in unpaid fees ), plus an extra {$41.00} in late fees. These two-years of injustices will marks its three-year anniversary in just couple months. Yet, it is still not settled. I have extensive documentation to support this situation.
I file a dispute with trans union on XX/XX/XXXX.This was for a medical bill while I was cover by XXXX  with a XXXX supplement plan and va coverage..The doctors did not submit the bill to my coverage in a timely maner and sent it to americollect who enter it on my credit report. when I file the dispute on XX/XX/XXXX they had the amounts of {$110.00}. and XXXX dollars. They said that it was not cover by any of my insurances.But took the XXXX dollar amount off the report..This was done on XX/XX/XXXX..The XXXX stay on my report until I paid it on XX/XX/XXXX.. I have no billings from progressive physician associates.. now americollect has added a new charge to these same physician on my credit report for XXXX dollars on XX/XX/XXXX.. I do not owe this and beliee I never owe the XXXX amount.
I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports XXXX, XXXX and Experian are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.
I hold a VA home mortgage with Freedom Mortgage company. In having my XXXX completed I was informed by my tax lady that I had paid over {$1000.00} in PMI too Freedom Mortgage in 2014. I have a XXXX from Freedom Mortgage showing PMI payment. As this is a VA loan there should be no PMI and the previous Lenders of my mortgage have not charged PMI. I have attempted to clear this issue up with Freedom Mortgage by no less than XXXX different means. Through direct phone calls to their Customer Service as well as emails and phone calls directly to individuals and have not received any resolution or correspondence from either
On XXXX XXXX, 2017 on or about XXXX XXXX my husband was contacted from teleohone number XXXX on his cell phone about a credit card I have in my name alone regarding payment-they proceeded to ask if he could get me on the phone about a financial matter regarding payment. He handed the phone to me and I told them not to call that number again. I am working with XXXX XXXX XXXX to resolve the debt. They did not have his cell number supplied by me and they should not be calling that number.
While reviewing my credit report I noticed a collection account in the amount of XXXX with a past due amount of XXXX. Every month the amount changes by {$30.00}. I have sent numerous letter for XXXX XXXX to verify and validate this account all which have gone unanswered. I reached out to the credit bureaus and they keep saying the account is verified. When I asked them how was it verified or to provide me with proof they can not provide any such documentation.
XXXX sent me a letter that they closed my account with no reason. My payments were made on time for the 3 years I had the credit account. 

They are telling me that this is based on information in my credit report which is not there. They also ran my credit without my permission. 

I spoke with an XXXX at XXXX executive response team. He was rude and demeaning, hung up on me twice, refused to give me his supervisor and told me if I called block my number would be blocked.
I have been working with XXXX since XX/XX/XXXX. They successfully removed several negative items from my credit report. Within the last 30 days XXXX XXXX XXXX has put 5 collection accounts back onto my XXXX and XXXX credit report, and 2 accounts back on XXXX that were removed. That is 12 negative collections that were removed, that were put back onto my report ... ..They changed that Account numbers, but they are identical accounts, amounts, and open dates .... Removed From on : XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$890.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - {$120.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed I know three accounts were removed from XXXX around XX/XX/XXXX, but i 'm not sure which ones as i am waiting on XXXX XXXX to send me a more detailed report then what i currently have access to. I can provide that report once I am in possession of that. XXXX XXXX added these removed accounts back onto my credit reports under different account numbers on : XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - {$890.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX NA XX/XX/XXXX XXXX XXXX - {$120.00} - XX/XX/XXXX NA XX/XX/XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX NA XX/XX/XXXX This is UNETHICAL and harassment ... ..I have worked very hard to get these medical collections removed from my credit report, and I have paid a lot of money to XXXX XXXX to do so. XXXX XXXX confirmed that the origional accounts all started with 3 ... .Now the duplicate accounts all  have account numbers starting with 8 I am attaching a credit report from XXXX XXXX XXXX with the original accounts numbers starting with a 3, and a report from XXXX XXXX showing that this company created duplicates of these removed accounts with different account numbers starting with 8 .... I want XXXX XXXX aka XXXX XXXX XXXX to be investigated, and to take every step possible to shut this type of company down!!!
Transunion mentioned that they investigated the information from XXXX XXXX   that I disputed and the disputed information was verified as accurate. 

Dispute : I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided. 

This is a final goodwill attempt to have you clear up my record. 

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX, XXXX/XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX ) XXXX was a billing company and a creditor mentioned by XXXX XXXX XXXX XXXX XXXX 
these accounts are not mine. It must be removed immediately. 

I need what was provided to you to show the medical bills are mine. why are you believing them over me. I am disputing and they said is mine medical bills, then show me proof.