WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried paying my loan but I ca n't and I am two months behind on my loan and I called them to let them know about the payment peaks loan said ca n't you borrow the money from a family member
I rode in an Ambulance on XXXX/XXXX/2016. It took a while to get my medical insurance information so that XXXX paid the claim. In that time the charges were forwared to Clark County Collections Service XXXX. I 've paid the ambulance company and the lab company so I should have no other charges to pay but this collection agency is claiming I owe {$1200.00} with interest.
I have been harassed and falsely accused by XXXX a wells fargo manager. I did not know she was working at this wells fargo bank on XXXX XXXX XXXX XXXX al XXXX. I was opening me a new account because my old account was hacked supposedly which is what they told me. But i ran into XXXX when i was trying to fix my new bank account. While i was in the bank XXXX police officers came in i did n't know what was going on but i know now. I received a harassing and threatening letter from " XXXX XXXX '' a security agent from wells fargo but i did n't receive a letter until after i made a complaint. I did n't even know my checking account was closed until XXXX/XXXX/2015 and I was n't going to get my social security money. I found out XXXX has once again falsely accused me of harassing her, when their is proof i did n't even bother her. If wells fargo or XXXX had any sense they would had looked at the security footage and i was n't even bothering XXXX XXXX, and she made a false police report which is a felony. Wells fargo believed her side of the story and for the record i did not know that anything was wrong until i called on XXXX/XXXX/2015. I 'm getting tired of XXXX falsely accusing me and everybody taking her side. This is why my new account was closed based on her demand that i was harassing her and this XXXX believes her side. I have legal grounds to sue XXXX XXXX and wells fargo for false accusation and harassment from XXXX and the closure of my account.
Richard Sokoloff Attorney at Law claims to have served me with a judgement that I never received and didn't want to give me any to verify, stated my spouse and I received services and they would not give proof of being served. WHen we contacted the dental place they have no records of what services were provided so no way to verify that this is a legitimate debt. 
Worse is this was a judgement from XX/XX/2012 and now 6 years later that I have more than the amount they can place a lein from my insurance check, they place one. 
The lawyers info is XXXX XXXX  XXXX - XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Credence Resource Manage claims I owe them {$1200.00}??? 
This was all settled a while back. The company customer service had spoke to me there was a settlement and some point and for some reason they never updated anything. I have tried contacting them to resolve this matter and It has gone no where.
Company responded USAA Federal Savings Bank said : Explanation of closure XXXX XXXX, we regret the frustration and inconvenience you experienced as a result of this matter. Our research found that when the payment was received, we were unable to identify where the payment was to be applied as it did not reference an account or member number. As XXXX XXXX, of our staff, informed you, the {$350.00} payment was posted to your credit card account. XXXX XXXX submitted a request to the consumer reporting agencies to have the XXXX through XXXX 2016 late payment reporting removed from your credit report. In addition, credits totaling {$56.00} posted to your credit card on XXXX XXXX, 2016, for the interest and late payment fees that were incurred. XXXX XXXX remains available should you have any additional questions. We appreciate you allowing us to review your concerns and respond to you. 
Relief On XXXX XXXX, 2016, credits totaling {$56.00} were posted to your account for the late fees and interest charges incurred on your account. 
{$56.00} UNRESOLVED COMPLAINT : With numerous attempts to contact XXXX XXXX at XXXX, to resolve this issue for updates on when this item will be removed ; I have remained unsuccessful due to miscommunication of not returning my phone calls. Per discussion, XXXX XXXX informed me that my final payment would be {$14.00} which was paid on XXXX. Also, during the discussion I was informed my credit report would reflect a change in which I also have not seen. Instead, my score continues to drop do to USAA failing to update payment status to my account. At the beginning of this process my credit score reflected a XXXX, due to the defects of USAA I now reflect a XXXX. Please assist on removing such indecency from my report eliminating further harm to my important credit history. I am looking to purchase a home and this deficiency has ruined my reputation to the upmost worst reflection of my character and history of responsibility. 
BOTTOMLINE : I am still receiving negative activity to my report corresponding to failure upon USAA updating the status of my account. Please represent a paid in full amount and/or remove from credit report completely. 
Thank You, XXXX XXXX XXXX
XXXX CREDIT CARD ENDING IN XXXX PERSONAL CREDIT CARD XXXX CREDIT CARD SERVICES XXXX XXXX XXXX XXXX NC XXXX FIRST TO MY KNOWLEDGE SENT NOTICE OF A " BALANCE DUE '' WITH A STATEMENT CLOSING DATE OF XX/XX/XXXX FOR AMOUNT OF {$2.00} " DUE NO LATER THAN XX/XX/XXXX '' AS STATED ON C/C STATEMENT XX/XX/XXXX. 

I WAS NOT NOTIFIED PERIOD OF THIS " GHOSTED '' " BALANCE '' OF {$2.00} UNTIL XX/XX/XXXX. 

IMMEDITALLY PAID BALANCE IN FULL AND " '' '' ABOVE BALANCE DUE '' '' '' IN THE AMOUNT OF {$30.00} /PAID DIRECTLY TO XXXX XXXX XXXX ON XX/XX/XXXX BEFORE DUE DATE OF XX/XX/XXXX AS STATED ON C/C BILLING. 

LEAVING AN 'EXCESS BALANCE ' ON THE C/C ACCOUNT OF {$24.00}. 

XXXX XXXX PROCEEDED TO " '' FRAUDULENTLY WITH INTENT TO INFLICT HARM TO MY PERSONAL FIANCES AND CREDIT SCORES '' '' '' DECEPTIVE CONSUMER PRACTICES '' '' '' '' UNFAIR RESOULUTION AND CONCERN AND REGARD TO THIS ACCOUNT/MATTER. 

XXXX XXXX REPORTED TO CREDIT BUREAUS AS **INACTIVITY ON ACCOUNT " '' LATE PAYMENT '' ' " '' DECREASED ORIGINAL CREDIT LIMIT '' '' TO {$500.00} FROM {$5000.00} FOR A BALANCE DUE OF LESS THEN {$3.00}? 

XXXX XXXX FAILED TO NOTIFY ME VIA CALL OR LETTER OF ANY BALANCE DUE /AND TO INTENT TO TURN OVER TO CREDIT REPORTING XXXX XXXX CONTINUES TO PRACTICE CONSUMER DECEPTIONS " '' '' FRAUDULENT & UNJUSTIFIED CLAIMS UNDER {$3.00} " '' '' / " LATE PAYMENT '' CHARGES FOR UNDER {$3.00} / '' DELINQUENT BALANCE REPORTS UNDER {$3.00} / '' '' 'IN-ACTIVITY REPORTING '' '' '' UNDER {$3.00} INACCURATE AND FASLEY REPORTED TO BUREAUS AS A {$5.00} BALANCE AS DELIQUIENT/UNPAID/LATE BALANCE DEBT DUE.
In XXXX 2015 USAirways ( Barclay Bank ) switched my credit card account to the XXXX XXXX card. With USAirways I had a {$99.00} companion ticket to fly. I tried to use it today and XXXX advised me that the companion ticket was no longer available as of XXXX 2015. My complaint is that I was never notified that the companion ticket was being cancelled and therefore did not get the opportunity to use it before it expired. I would like for XXXX XXXX credit card to honor the {$99.00} companion ticket.
XXXX XXXX were billed to XXXX XXXX. XXXX XXXX denied payment as they required more information. XXXX XXXX XXXX has filed bankruptcy. Outstanding debts were sent to Remex Revenue Services for collection action. I provided all documentation to Remex and they refuse to provide me with written confirmation that my record is cleared.
Equifax recently announced a massive data breach. I have used the website they set up to confirm my information was compromised. They have not provided me written notification that my information was compromised, and have not provided details on exactly what information of mine was compromised. 

By failing to personally notify my of which data of mine they compromised they are placing the investigative burden on me. They are making me responsible for finding out if they compromised my information. 

Once I determined that some of my information had been compromised ( but not details of which information ), the only recourse they offer is one year of " free '' credit monitoring by their service. They are leveraging the problem they created to benefit their business. While they may not have created the situation, it has the appearance of a shakedown scheme. 

The risks Equifax has exposed me to are serious. Their response has been anything but. They have failed to provide adequate notification to those they placed at risk and failed to assume responsibility for placing them at risk. I consider this especially egregious since I do not have a consumer relationship of any sort with Equifax ; they store my information for the benefit of themselves and their customers, yet it is me currently facing the risks of their negligence.
There is an account from the Veterans Administration on my credit report from XXXX that shows I have an oustanding balance that either went to Collection or charged off. However the account was paid in full. I have submitted a dispute through XXXX and XXXX responded asking for documentation from the Veterans Administration that verified the account was paid in full. I called the toll free number various times and have consistently been unsuccessfull obtaining such document. I feel that responsibility lies with XXXX to obtain current information from the VA regarding the account. I feel they are acting negligently and there is a legal obligation to keep this account accurate. This has been paid XXXX of 2012.
My previous complaints were delayed, ignored and not addressed by wells fargo. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX XXXX are the issues here.
According to the law section 809 of the FDCPA, CONVERGENT XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX MUST provide a 'signed ' contract of myself doing business with their company and my obligation to pay them. this company HAS NOT PROVIDED this information to me. The above company has been given the allotted 30 days to provide this. THEY ARE VIOLATING MY FEDERAL RIGHTS and are subject to lawsuit. I want to file this complaint on this company for this. Please assist me in correcting this, as it is and has damaged my lifestyle and ability to gain and maintain employment.
I received a first notice of debt from XXXX or XXXX  XXXX XXXX on XX/XX/XXXX. I sent a validation of debt letter via certified mail pertaining to US U.S.C. 1692g, Sec. 809 ( b ) of the FDCPA. on XX/XX/XXXX and an employee named XXXX XXXX signed for it on XX/XX/XXXX. I never received a response from XXXX. On XX/XX/XXXX, a letter from XXXX that was addressed to me was sent to my ex in-law 's address. I ignored the letter as it was not sent to my address and I already asked the debt be validated XX/XX/XXXX. To this day, I receive phone calls several times a week from this company. Below is a copy of the letter I sent to XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX RE : Account # XXXX. Dear Sirs : ( 1 ) I  owe no debt to XXXX XXXX XXXX and dispute the validity of this claim alleged against me. I demand verification of this debt. Mail it to the address above. I will seek the appropriate regulatory and judicial remedies if any adverse information is recorded against me for this debt I do not owe. ( 2 ) If this is related to XXXX XXXX in XXXX XXXX, there was a mutual release of claims in a court settlement. Because I am represented by counsel, all further communications regarding XXXX XXXX must go through my attorney : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ( 3 ) I am not responsible for the debts of XXXX XXXX. He does not reside at the above address. Do not contact me about matters related to him. Sincerely, XXXX XXXX
TD Bank/ Target XXXX should be reporting a ZERO balance. I have submitted proof to Target as well as the credit bureaus and the error is not being corrected. I received a XXXX Cancellation of Debt on this account. I also included this cancellation of debt when filing my taxes in 2015 therefore the balance needs to be reporting as {$0.00}. I need this corrected immediately or this account needs to be deleted off my credit file! I am unable to get the credit I deserve because of this. I am attaching proof.
XX/XX/2016 : Applied to refinance my house with USAA, locked in my rate 3.5 %. 
XXXX/XXXX/16 : Received my application packet with all of the documents needed in the mail, including my intent to proceed. Expiration date of application packet was XXXX XXXX, 2016. 
XXXX/XXXX/16 : I uploaded all of my packet including my XXXX, income statements, intent to proceed, everything. I used USAA, so they have a digital portal to which I uploaded and indicated that I was done. The prompt said " Thank you! If we need any additional documents we will contact you. Check back to see the status of your mortgage application. '' XXXX/XXXX/16 : I get an email from loan originator XXXX XXXX XXXX # XXXX saying " I see your loan estimate has been delivered, please respond to this email with yes it is my intent to proceed '' I replied and told him I uploaded everything and yes it was my intent to proceed and asked him to please let me know if he needed me to submit the packet in any other format. NO RESPONSE. 

XXXX/XXXX/16 : I receive a denial letter in the mail stating my application was incomplete. I call and spoke with another originator XXXX XXXX who says " Oh yeah, I do see here you submitted everything on XX/XX/XXXX ... sorry about that. I 'll be happy to start another application for you, mortgage rates have gone up though. '' The increase in mortgage rate will cost me approximately {$7300.00} ( this does n't include the {$6000.00} in closing costs ). And they will have to run another credit inquiry. I was told by the manager " the individual has been reprimanded for his errors. '' However, I am the one who is paying the price for his errors.
After several requests XXXX XXXX has never mailed me a receipt of a payment. And said he did not know if he could get my loan info. How can you collect a loan without loan acct information? This company true to collect dirty but has little paper trail or verification to back up their claims.
in May of XXXX I mailed Transunion and XXXX XXXX dispute letters for negative information that is mixed into my XXXX XXXX XXXX because two accounts were illegally combined into XXXX and left as negative. At one point my account was purchased by XXXX XXXX and I am devastated to find the old account information form XXXX XXXX appearing on account XXXX XXXX XXXX Mortgage # XXXX. I have asked the bureau displaying this mixed information to delete the account all together because even though they have attempted to change and fix the reporting their attempts have not removed the old information that is damaging and was tagged on to my account. I don't m ind at all if it is deleted all together because the inaccuracies start on XX/XX/XXXX and end at XX/XX/XXXX. This was a government transferred loan due to fraudulent activity by XXXX XXXX and the transfer was supposed to fix this issue and help the delinquencies drop off. The account was deliberately sent to a negative status to allow that transfer. 

I pulled my XXXX and I have attached it here to show you how confusing and wrong the readings are. from XXXX it is showing as 120 late repeatedly and then for some reason in XX/XX/XXXX it is showing as 30 days late and then it is X until XX/XX/XXXX then thereafter it is OK. This is all wrong so please delete this account all together so I am done with this nightmare. This is not fair to me because this loan was transferred 3 times and XXXX XXXX is not able to modify anything claiming the account is closed and accurate but it is clear no one is following up. I have been transferred throughout 3 difference finance companies who have had their hands in this account and I am getting now where. 

I dont understand why Transunion has dubbed my last dispute a " Duplicate '' when they have not properly followed up with me and I am not sending any duplicates because I have written them asking why this account is negative when it is not. I has put an incorrect email before and I have no access to their response. 

Please assist me here. Thank you
I do not recall ever having an account like this. Sent a request by mail to please provide evidence and nothing has been receive. Please help The account in question is through Portfolio Recovery Asso # XXXX showing
XXXX has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX ( 2x ) ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX -XX/XX/XXXX
I have written to Fidelity Credit Svc 4 times My 1st communication was to dispute this bill. I was quoted {$70.00} at the window I had XXXX people present with me I was to be billed for a consultation I spent less than 5 minutes with the doctor and medi-care would be billed They say I owe {$110.00} after billing my medi-care. I have sent them 3 additional letters which they first received XX/XX/XXXX with my requesting validation of this debt I again sent another request for validation which they received XX/XX/XXXX I SENT OUT A THIRD REQUEST FOR VALIDATION ON XX/XX/XXXX WHICH THEY HAVE RECEIVED and still no response from them nor have they deleted it from my credit reports Under the Fair Credit Reporting Act I have a right to dispute incomplete or inaccurate information and consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable must be removed or corrected. They wo n't even respond must less correct or dispute my claim I am exhausted from having to remedy my own complaints
Summit receivables called my husband about my debt and he is not on card. They called me and tried to tell me I am in a XXXX state and they can collect from him. I am in Georgia so they ca n't. They tried to scare me by saying if they go to court it will affect my husband
I have repeatedly asked for evidence to support your reporting, but yet again, TransUnion has failed to provide me with a copy of any viable evidence submitted by the following. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have sent seven ( 7 ) or more previous letters to you, all by certified mail ( copies of receipts attached ) requesting that you remove inaccurate information from my file and you have failed to do so. Since the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) I repeatedly asked for Validation as well as Verification and even requested the method of verification, and TransUnion has not complied still. The following information, therefore, needs to now be deleted from my credit file. I have given TransUnion ample time and opportunities to make the appropriate corrections to include 1 ) correction on Account Numbers ( description ) - all descriptions end with XXXX Therefore I can not verify the correct account is being properly reported. The line item is incorrect if the account number is not listed therefore and again inaccurate information is being reported, 2 ) Outdated employment data is reported. All companies listed under this section is no longer reportable as I am not employed with any of those companies, 3 ) Telephone number ending in XXXX does not belong to me this is an unknown telephone number. In reviewing my credit report dated XX/XX/XXXX, I realized there are several inaccurate listings still. These accounts are incorrect and several are outdated. All reported data must be complete, correct, and proven if challenged.
I find a debt of {$270.00} listed on my XXXX Report for XXXX XXXX XXXX - via Optimum Outcomes - from 2013 - no attempt to collect or notify me of said debt or to validate it has been made to me. I want it off my credit report.
Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). The account in question ends in XXXX
I have been trying to sell my home for XXXX years after being turned down by Chase Bank to help with our monthly payment. After XXXX years of waiting for a buyer we finally have someone that wants to submit a fair offer on the home but Chase 's refusal to provide a copy of the new appraisal is holding up the file. That 's all we need to proceed with the buyer 's offer to Chase Bank. Can you please help with this issue?
I file an affidavit with Federal Trade and Commission the reference number is XXXX, I also file a Police Report with all the list of the accounts involve with the Identity Theft. I am having a hard time in dealing with XXXX XXXX XXXX XXXX XXXX XXXX even thought the account was open back in 2008 but such account was hacked and I am not agree with Balances this account has that are not mine hackers make so much damage to anyone involve on this Identity theft issues I am Requesting Clearly to XXXX XXXX TO REMOVE/DELETE this account I am not responsible of what they are claiming to be mine. I hired XXXX to help me but XXXX XXXX continues reluctant ignoring the facts of what being a victim of identity theft means. I need your help to refer me with any other Government Agency to enforce what the law states about Consumers who are victims of Identity Theft. or may be you can help me. I am NOT agree at all with JH XXXX with their procedures about how they review and deem this account to be validated, Confirming my Address and my Name, signatures, etc ... does n't mean I can not be immune to be a Victim of hackers utilizing my name to commit fraud/scam utilizing my name pretending I am the one who is doing whatever they are doing. This is the point that XXXX do NOT understand and where I need help for someone to explain them what a Victim of Identity is about. Thanks.