WillisBack/dataset-financial-user-claim huggingface dataset:
ACS/XXXX was changing my repayment plan to an income based plan. While they were doing so they let the loan go into delinquency from XX/XX/2013 to XX/XX/2013. There is a negative 120 days delinquency on my credit report that I have disputed numerous times.
I recently signed up to credit karma so that I can repair my credit. I noticed that I have XXXX hits on my credit from a collection agency regarding unpaid medical bills. I always have had medicare any time that I had seen a doctor. I contacted medicare and they said they do n't see any money owed. I asked the collection agency to give me the name of the doctors that they claim I owe, and they told me they do n't have that info that its medical data and that I owe that money to them. Please help, I did not visit these hospitals at all and if I had my insurance covers XXXXpercent. 

name of collection agency CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2015 WAS LAST REPORTED {$1500.00} {$3800.00} {$2800.00}
There is a new address for me listed on the Equifax report. It 's show XXXX, Arizona. I have never lived in Arizona. This address is blatantly an error.
We are in the processing of taking out a home loan for a customer. On  XXXX / XXXX / XXXX , our customers credit was pulled and there was a collection company listed on their credit report that should n't be listed. On all  XXXX  bureaus, the account is showing as being disputed. On  XXXX   XXXX ,  XXXX , an attorney had sent a cease and desist to the collection company as this account had no legal bearing being placed on the customers credit report as well as filing a dispute to all  XXXX  bureaus.     On  XXXX   XXXX ,  XXXX , the customer contacted  XXXX ,   XXXX   and Equifax to ask them when the account was placed in dispute. Each bureau stated that the account was not in dispute or never in dispute. The customer then asked when such comments were placed on her credit file and was told they do not have that information.     This collection account is affecting the customer ability to secure financing.
Macy 's has changed their online system and as a result I have been unable to access my balance, account information, statements or make a payment online for months. I do not receive a paper statement and have had difficulty getting account and transaction information from telephone. I went into the store received a receipt print out of my balance on XXXX/XXXX/15. I received a slip showing a balance of {$220.00}. I paid that balance in full and made a purchase for {$120.00}. I called XXXX as instructed by the error message when I tried to get my online information, they were unable to assist me in getting online and the telephone rep was confused about my balance. He was unable to give me a balance that makes sense according to the store balance printed on the receipt and the payment I made. I have spent over XXXX minutes on the phone trying to get assistance without resolution and am not sure how I can resolve this at this point. It seems extremely unfair to not provide accurate account transaction and balance information and access to make payments.I typically pay in full and without the ability to know balance information I could have interest charges I would normally not have. They will not give discounts unless you use your card but wo n't provide account and balance information accurately.
Ocwen # XXXX was listed on my credit report ( last date reported ) XXXX, XXXX and should not have been due to foreclosure date of XX/XX/XXXX. After 7 years, Ocwen should not have reported this debt and should be removed from my credit report.
I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Cbcinnovis XX/XX/XXXX Cbcinnovis XX/XX/XXXX Cbcinnovis XX/XX/XXXX
On XXXX XXXX 2017, JP Morgan Chase closed all 5 of my credit card accounts without warning, and despite perfect payment history for the entire history of my relationship with Chase. I did not violate any terms of service, did not make any suspicious or unauthorized purchases, and was simply told by the customer service representative that I was determined to be a 'risk ' due to the amount of credit cards from Chase I had. This was despite being recently approved for a new Chase card. I would have certainly preferred Chase decline my application, rather than allow me to be approved, only to go over some unknown thresh hold and terminate my relationship. I attempted to call and appeal the decision, but was brusquely informed that there was no appeals process.
I signed a contract for alarm service through XXXX, via their contracting company XXXX XXXX XXXX XXXX XXXX, in the contract, it simply stated a credit bureau would be ran. For clarification I asked the representative XXXX XXXX if it was a soft or hard inquiry & he assured me it was soft. The company then messed up on all kinds of things including the running of my credit. They ran my credit on XXXX/XXXX/16 & XXXX/XXXX/16 ( 2 days after the first time ). I contacted my rep XXXX XXXX again & told him they ran it twice and it was a hard inquiry not a soft as her assured me. He apologized and said he woudl try to get it straightened out. This was all via text on XXXX/XXXX/2016. Nothing was done. I spoke to XXXX at XXXX approximately 3 weeks ago, and was told she requested a deletion of the inquiry from XXXX but they will only remove XXXX inquiry not XXXX. I pulled my credit again today & XXXX inquiries are on there. 
I believe that it is only fair that XXXX inquiries should be removed, as I was given false information by XXXX 's authorized provider XXXX. I never would have agreed to the contract if I was told it would be a hard inquiry. The company should be accountable for the information their employees provided me and the inquiries should be removed from my credit. The XXXX inquiries dropped my score XXXX points on Equifax. The damage to my score is not my fault and they should be removed as I was deceived by the company 's representative. I have all the texts should the company like to see them.
They call approx 5x every day! Its XXXX XXXX and they've already called 2x. Yesterday they called at XXXX, XXXX, XXXX, XXXX, and XXXX. Everyday since XX/XX/XXXX, I get between 3-5 calls a day. Its harassing me!
I have requested the following documents about my mortgage from SPS but the website keeps giving me an error message. 

Note Rider ( s ) Mortgage/Deed of Trust Truth in Lending Statement HUD-1 Settlement Statement Additionally, SPS has stuck me with a loan modification program that has a large balloon payment. I need help. Please remove the third installment of the principal that was forgiven and tell me if you can either remove additional principal or make the loan fully amortized. 

Additionally, I also wish to stop escrowing for taxes and insurance.
To whom it may concern, In XX/XX/XXXX I submitted a dispute to Equifax ; to dispute items that was reporting incorrect on my credit report and to also dispute items that was reporting on my credit file that was associated with the Theft of my identity and Fraud accounts. 

With my dispute request I mailed in all supporting documents ( FTC report, policy report, IRS ID Theft report, and Department of Education notice ) In XX/XX/XXXX Equifax updated and corrected all the error ( s ) on my credit file. 

During the week of XX/XX/XXXX. I attempted to gain access to my credit file and was unable. After a week of requesting to unlock, unblock, and unfreeze my account. 

Per Equifax they combined the Fraud credit file and my True credit file together so I could gain access to my credit file. 

On XX/XX/XXXX I noticed that the Items Equifax removed in XX/XX/XXXX was put back on my credit file and also New account Ive never seen on my credit file before. 

I contacted Equifax CRA department on XX/XX/XXXX and they stated it would take up to 30 days to dispute the items they deleted in XX/XX/XXXX and the new items they combined with my True credit report ; that was on a second credit report due the ID theft Items Equifax deleted and repute on my credite file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Address reporting incorrect I never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX   XXXX XXXX XXXX NORTH CAROLINA XXXX
Hello. I am paying this debt off today but I want action because I never received any type of notice that I owed them for this debt and it shows then in a collections account. I am paying the debt and want it to be reported immediately for there negligence on any type of letters, phone calls that I never received notifying me of this debt. I will pay it but I want prompt reporting that it was paid. Unacceptable that I never received anything saying I owed XXXX to them.
1 ) Portfolio Recovery Services Account - XXXX Amount : {$11000.00} Address ID : XXXX XXXX ) 1 ) Portfolio Recovery Services Account - XXXX Amount : {$980.00} Address ID : XXXX Both of these accounts appear from identity theft. They do not belong to me nor do they have the correct social security number on file for me. I requested XXXX, XXXX and XXXX XXXX to have these accounts removed immediately, but this was not the case. Please contact me for any questions or concerns. 

Thank You, XXXX XXXX XXXX
I fought this medical debt over a XXXX w/my insurance for XXXX years, it is now paid in full by me, but there are several things wrong in the details. XXXX. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.XXXX.delinquent date is listed as XXXX, WHEN I was still in the hosp I was already delinquent? XXXX. terms are listed as XXXX month? there was no terms.XXXXIt lists a high balance for credit limit, being a medical bill there was no credit limit.XXXX.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.XXXX.All XXXX credit agencies have different dates of XXXX reporting.XXXX was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was XXXX and needed help that XXXX time I should be punished after the fact, and for XXXX more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?
I have 1 30 day late reporting on my credit reports with all 3 bureaus from KOHLS. 
I have been a perfect on time customer since XX/XX/XXXX and i have a 30 day late showing for XX/XX/XXXX. 
I had spoken to numerous personnel who stated that the late would be removed from all 3 agencies only to find they have not and will not remove it. 
I had spoken to 2 supervisors in XX/XX/XXXX in which they confirmed my late would no longer reflect on my report. On XX/XX/XXXX i spoke to a lady in the executive office who stated she will not remove the late payment mark.
I paid my American Express balance in full in XXXX, based on the " unpaid balance due '' amount they published on their website ( not the statement balance ). American Express claimed I didn't pay in full because they hadn't posted the interest I had accrued on the " average daily balance for the month '' yet. They charged a full month 's interest on the balance I paid, even though it was not at the end of the month ( did not pro-rate the interest ), and because I owed this unstated interest, and the balance was considered " unpaid '', I continued to accrue additional interest on the unpaid balance. Even though I paid the stated balance due two months in a row, I continued to accrue unstated interest and thus, was considered to be carrying a balance. Additionally, according to American Express ' policy, by carrying this balance, I was not eligible for a grace period for any new purchases. A credit card 's standard grace period is 23 days before a purchase begins to accrue interest. However, because I was carrying a balance - this unstated interest amount - my purchases were not eligible for that 23 day grace period. ALL of my purchases began accruing interest on the day of purchase. The result was {$45.00} in interest due on a statement with {$62.00} purchase! I believe this policy represents usury, and is unethical, if not illegal.
XXXX XXXX XXXX Credit Report Period XX/XX/XXXX Account Number XXXX  Condition Derogatory Responsibility Individual Current Balance XXXXXX/XX/XXXX Original Balance i sent XXXX the total payoff due to the hurricane plus they have gap on all their cars now they put it back on my credit report violations of my fcra rights XXXX   Limit 0 Monthly Payment 0 Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 48 Loan Type Auto Lease OpenedXX/XX/XXXX ReportedXX/XX/XXXX
XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : TRANSUNION, XXXX AND XXXX I am writing to dispute the following information that appears on my [ XXXX or XXXX or TransUnion ] consumer report : Dispute : " XXXX   XXXX  XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
XX/XX/2017 - Forward Movement Recovery has been calling and leaving threatening voicemails that if I do n't call them back they will contact my family. They have called my uncle on his work phone, home phone and cell phone ; and they have called my grandparents. They are asking for XXXX XXXX, my maiden name was XXXX so they do n't even have the correct last name. 

I returned their call XX/XX/17 and they refused to give me information without telling them my social security number. I refused to give it to them so they would n't tell me why they were calling. I have my credit report monitored so I know there are no collections or derogatory information. 

I believe this is a scam and it 's very unsettling that they have my family 's private numbers that I do n't even have.
I have sent to XXXX  and XXXX  copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to XXXX  3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes Trans Union in this complaint on the inquiries.
in XX/XX/XXXX I closed my AMEX account. my balance then was {$32.00} and I paid off that amount on XXXX/XXXX/16. Since then Amex has charged my closed account with purchases and fees for late payments now shown on my credit report of {$710.00}. I made no purchases after closing the account and destroyed the card. I spoke with AMEX fraud dept and now am advised they credited my account with {$500.00} leaving a balance that I do not owe and which will continue to incur late fees. They put me on hold for over 30 minutes and I getno response to my effort to get a XXXX balance.
I have checked my credit and notice incorect information being reported. I am not aware of any of these accounts being reported on my credit. I have been XXXX in XXXX XXXX   for 12 years and while gone didn't give anyone access to any of my personal information. I also receive XXXX and don't use my credit for anything. 


below are fraudulent accounts being reporting in my name. 

XXXX REPORT INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX TRANSUNION REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  REPORTING INCORRECT INFORMATION XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX
My account was turned over to Professional Debt Mediation on XXXX XXXX, XXXX. I have contacted them once before today in XXXX XXXX. I have never paid anything on this account. When my credit adviser checked my credit report, he saw that they had reported activity on XXXX XXXX, XXXX. He advised me to call and ask them to remove the false report. They refused and argued that I had been lied to. Professional Debt is reporting the last date of activity on this account in error which is a violation of the CFPB. Please have this account deleted because of their error.
I had judgement in XXXX against me with Discover Card. The collection agency XXXX XXXX XXXX is handing it. I was paying {$50.00} a month volunterily since XXXX. Now I have paid over {$2000.00}. 
On XX/XX/XXXX my checking account was frozen with XXXX balance from a notice from XXXX XXXX   XXXX. I called XXXX to asked them why couldn't I receive a notice that XXXX was going to do this since I have been paying them since XXXX I feel this wrong for the company to do this without given me ANY warning and taking ALL the money in my checking account. I have {$35.00} in wallet as I am writing this to you all.
EOS CCA bought a collections debt from an unpaid XXXX account totaling {$2500.00}. As I am repairing my credit to prepare for a mortgage, I decide to call them to settle the account. I speak to a representative who was very rude, and asked to be transferred to his manager, with whom I came to a settlement agreement with totatling {$1200.00}. Per the manager, the settlement amount would stop all collection efforts and have the account settled in full, allowing a possible deletion of the debt. The stated that they have no way of removing the debt themselves, so I thought, it would be a win-win for the both of us. 

They received the payment by drafting from my account, which I did authorize in good faith that they would honor their promise and update my credit report. They did update it but simply applied the {$1200.00} to the original amount I owed, thus leaving the EOS CCA entry with a remaining balance which was supposed to be zeroed out.
I am an XXXX XXXX servicemember and I bought my house at the end of XXXX. I borrowed well under what the VA authorized me to borrow, and the house came in under the appraisal. Obviously from XXXX to XXXX and then onward the value of my house declined. Since the time that I bought my house I have had to execute XXXX moves. Wells Fargo holds the loan. I have called them continuously to see if I qualify for any of the principal reduction products, or other products that I have read about on Government websites and in talking with XXXX advisors. They have told me on every occasion that I do not qualify for any type of product that would help me lower my payments, the only solution they offer is to refinance which I have already done and which did not help at all but just allowed them to make more money in interest. I have explained to them that I am an XXXX XXXX servicemember and that I have had to execute XXXX moves on XXXX different occasions and that I am not willingly moving from my house and having to pay both rent at my new duty station and my mortgage back at my old duty station. They have offered me no understanding nor any help trying to find a product that works for my situation, it has been an attitude of " oh well I guess you just continue to struggle while we bleed you dry. '' The only thing that they have offered me I have already done which is to refinance my house. This did not help at all and just made them more money in interest. I do not want to stop paying my mortgage, as some have offered. This is not the type of man I am, nor does it align with my core values of honor, courage, and commitment. My complaint is that I see and read about all types of government programs to help with principal reduction and Wells Fargo says that I do not qualify for any of them. I do not know why I do not qualify. I am moving around the XXXX serving XXXX on military orders, and I have a XXXX son that lives with me. I am not asking to get out of my mortgage free and clear, I am just asking for some help in the form of principal reduction or perhaps some other product that would help me be able to pay my mortgage for my house and rent at my new duty station.
I filed a complaint with my credit card company XX/XX/2017 regarding a vacation to XXXX we didn't receive what was described the company acknowledge that there were several complaints made and agreed to refund {$1500.00} from a letter sent from my credit card company. I have followed up with my credit card company regarding the credit back on my card they continue to tell me I have to complete another dispute indicating the company has not credit my card back. My credit card company indicated I should follow up with the resort so that they can put the credit back on my card. I have made many attempts with the resort to process the refund with no success.
I have a checking account with Chase Bank. I selected to not have over draft protection but instead if the funds are not in the account they are not to pay but to deny charges. On XXXX/XXXX/2017 charges from XXXX were presented for XXXX and XXXX ; Chase Bank paid these charges and then charged me XXXX NSF fee, after being instructed to never pay anything if the funds were not in the account. They are stating that the fee is a reocurring fee, even though I am only charged by XXXX when I purchase items and it is not reocurring. They credited back the NSF charge and the service charge but have not taken the XXXX and XXXX charges off my account and charged the merchant back. I am very upset over my instructions on my account were not followed and feel if they have done this to me, there are surely others which is adding up to a lot of consumers being ripped off.