WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted with a debt collection agency called HRR & G their number XXXX at XXXX on XXXX XXXX 2015. They left an electronic voice message asking me to call them asap for a debt collection issue. I did after two minutes receiving the message. They told me that XXXX XXXX XXXX of XXXX has sent my account to collection on XXXX XXXX 2015. After seeing me at the emergency room at XXXX hospital in XXXX Arizona on XXXX XXXX 2015. This was the first time I received any communication XXXX XXXX XXXX XXXX either by phone or by mail. I told them that I never received any invoices from him, however, I did receive XXXX other invoices from the company that read the XXXX and the XXXX and the hospital I received their invoice on XXXX XXXX 2015 and I paid it XXXX XXXX XXXX 2015 at XXXX and it was the first time the hospital sent me an invoice. I did call the hospital after receiving an invoice from them after five months and five days and the hospital told me that the insurance just finalized the payment on XXXX XXXX 2015. I asked the collection agency to send me a copy of the invoice that they from XXXX XXXX XXXX. The problem I have is, the collection agency already sent my file to credit agencies, at least that 's what they are saying initial, then they retracted it. not sure what to believe. XXXX XXXX XXXX never sent a bill or made any calls to me. I received invoiced from XXXX other providers that saw me at the same hospital visits and I paid them all upon receipt. I believe XXXX XXXX XXXX violated fair debt collection act by sending me to collection without sending me an invoice or attempt to contact me and let me know that I have an invoice from him. Why other providers invoices were received and his invoice was not, his invoice a small fraction of the hospital invoice. I believe XXXX XXXX XXXX and his company XXXX are not doing a good job billing their patients resulting in issues like mine. I attempted to call XXXX XXXX XXXX and the office of consumer affair at XXXX several time today on XXXX XXXX and no one took my calls or took messages from me. I called their billing office after speaking with the telephone operator at XXXX and the billing office refuse to talk to me since my file has already been sent to collection on XXXX XXXX 2015. There 's no way that XXXX XXXX XXXX was able to send the claim to my insurance company from a XXXX XXXX 2015 visit and send me an invoice and a final notice before sending me to collection by XXXX XXXX 2015. This is a blunder on XXXX XXXX XXXX and I want him to correct it by sending me an invoice so I can pay him immediately. I wish he or anyone in his office returns my calls after many failed attempts to call him and his office, only an operator answers the phone and gives me other number to call and no one answers these lines.
Bank of America refused to dispute a charge that I have a receipt for that shows I should have been charged in XXXX dollars and not U.S. Dollar. I have proof which they will not accept and they told me they can not do anything about it. I spoke with a claims representative and a supervisor and they both refused to make a claim to get the correct amount adjusted. They charged me a transaction fee but would not look at my receipt for the transaction exchange rate on that date. They told me its correct. But I told them it was not.
I have an account showing on my credit report for Capitol One. They are working with a law firm and holding account they say i owe 2700 plus dollars to. I have called to dispute this believing that i had made on offer to settle and close this account thinking this was handled in 2016. I have asked for the paperwork on this card to be able to verify that i owe this money and to show the payment i made but they are refusing to send me any documentation regarding this credit card. I dont even know the credit card number. the attorney told me this was a XXXX card and then capitol one said it was a XXXX. I would like to have proof of owing this money and know that this was not a settled account. The highest balance i have ever had on a credit card is XXXX dollars. I would like for your company to make sure they are following the laws and giving me the documentation for all charges and payments.
This is regarding unlawful debt collection practices of XXXX. XXXX received a court order to have my bank account seized to pay a debt, taking every penny to my name XXXX it was basically enough money to cover rent and expenses for a month ). This was done with no notification. After seizure, I contacted them to know why did they do this after I had told them as soon as I get stable employment I would work out a payment plan. They said they unsuccessfully tried to serve me at an address that I did not recognize. I have been at the address I currently live for more than 10 years and had provided it to them twice, in addition it is my credit card billing address. They said because they could not reach me they posted notice in some newspaper and this is all a judge needed to know in order to find judgment against me. This is illegal according to California Civil Code section 1812.700 - 702.
My name is XXXX XXXX My mortage loan number is : XXXX with wells fargo home mortgage. I made 2 mortgage payments on XX/XX/2018, payments were processed at the Wells Fargo Branch. I have spent almost 3 months trying to get both mortgage payments applied to my mortgage balance. 

Wells Fargo has now transferred my mortgage to a debt collections agency called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has called me 3 times on XX/XX/2018 for the puropose of collection a delinguent debt. XX/XX/2018 & XX/XX/2018 I received in the mail a mortgage default/foreclosure notice from XXXX XXXX XXXX. 

Wells Fargo cant seem to get my 2 missing payments applied to my mortgage balance and has now transfferred my mortgage to a debt collections agency. I have lost a great deal of sleep and personal time and effort with providng bank statements, cancelled checks and numerous phone calls daily in an effort to get this correct. Now my house is in defualt and possible foreclusre as a result of Wells Fargo errors.
First contacted Equifax, XXXX, XXXX XXXX and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting bXXXX XXXX XXXX XXXX theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXXwith no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.
I never lived atAddress : XXXX XXXX XXXX XXXX, WI XXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXX
to CFPB please investigate this complaint that I disputed XXXX Transunion response they state there reason for lowering score, But when I pay down on a account my score should go up not down in there own documentation they state if you pay down account your score will go up enclosed evidence, But they lower my score this is deceptive tactic. With this type of practice they hold the consumer hostage on credit and interest on accounts
I tried to apply online for an American Express XXXX Business Card and received some sort of warning that I was not eligible for the bonus or welcome offer. This was on or near XX/XX/2018. 

I then called American Express and spoke to a customer service representative. She also received the same " pop up '', but she called the " back end ''. After speaking with them, she said I was in fact eligible. I then questioned her MULTIPLE TIMES to make sure I was eligible for the offer. She said yes -- and it was added to my account manually. This phone call was recorded and the CSR 's statements should be evident.

I have now met all the requirements and I am being denied the  bonus. I specifically asked multiple times before my credit was pulled and I am still being denied. This is by online chat on XX/XX/2018.
Multiple Requests submitted

for Request for Mortgage Assistance/Workout/Modification. Multiple correspondence to request for adjournment to a later date to have review of RMA. Denied due to 37 days or less from sale date. Denied in writing regarding adjournment and then the plaintiff does grant an adjournment prior to the written notification. No one notifies me until after I called several times and corresponded through email and through a complaint on this portal ( CFPB ). Received a new sale date ofXX/XX/18 still less then the 37 days law to review an RMA. Why adjourn for 28 days and not the 37 days? Use my adjournment at the XXXX  County SHeriff 's office on XX/XX/18 to have the date moved to XX/XX/18. This moves the sale date 56 DAYS from the sale date. More then enought time to review and workout the loan modification. Submit all pertinent information with another formal request for a review of an RMA on XX/XX/18. Submit the XXXX County new sale date to show the date has been moved to XX/XX/18. XXXX XXXX from attorney 's office XXXX ( XXXX  hired attorney ). FIRST CALL from their office after many non returned calls and/or correspondence. She was calling to let me know NOW the new sale date they postponed till is XX/XX/18. This was set onXX/XX/18 and only receiving a call to notify me on XX/XX/18. Explained the situation but the attorney just reminds me they are only hired for the foreclosure and the decision is on behalf of the bank. Just reminds me to call SLS again to make sure they have my new sale date and to request a workout with them. Called SLS Yesterday XX/XX/18and spoke to a representative XXXX to ensure the documents that were received AGAIN ( 2nd request ) for the RMA request and workout. Please note that I have been using the same email address to correspond to SLS and had no issue prior of them uploading requests and documents into the system. As of yesterday the documents and request below that were sent at XXXX XXXX on XX/XX/XXXX were not uploaded or even documented that they were received. I find this very frustrating and unfair as I have been told by numerous SLS customer representatives that it takes 24 hours then you will see the items in their system. It was over 48 hours and still nothing. Why???? I fill the bank XXXX/SLS are not be fair to me the consumer for this loan. This is a not fair housing opportunity to have a workout/modification for the loan on the property. This is yet another attempt to have a FAIR review since NJ CItizen Action Agency and I have worked on the financials and are confident that the loan can be brought current and the bank can have the money owed to them if a modification is put in place.
I have been making payments on my husband 's account for the past few months getting his account paid off. When it came down the the VERY LAST PAYMENT, my account was charged XXXX more than what it was supposed to be charged and the payoff was n't even that much. 
I called on Tuesday, XXXX XXXX at XXXX and spoke with a representative for 15 minutes and 27 seconds ( per my XXXX records ) and made sure the payment to come out on Thursday, XXXX XXXX was for {$550.00}. This morning, I checked my account and it was a payment pending for {$780.00}. I called and was on the phone with representatives back an forth for 2 hours and 43 minutes. I had asked for a supervisor, and was put on hold. I asked for the AVP, and was hung up on. My husband was on the phone with me and he even called from his work phone, only to be on hold for over an hour with them only to be given wrong information and NO RESOLUTION to the issue. All I wanted was MY MONEY BACK. I missed 2 hours of work this morning trying to handle this situation. The representatives were more concerned about a rep inputting the wrong information when I called on Tuesday than my money missing. The rep put in the notes that my husband called, but I was the one that called and I verified MY name and MY bank account information. One rep stated that the account was sent to the office of the President, however, she was the one who hung up on me when I asked for the AVP. I am BEYOND furious since we had plans to do other things and now my account is in over draft with no idea of when I will be getting my money back. When I asked any of the reps to give me their I.D . numbers, they either placed me on hold or ignored my question. They saw in the notes that the payment was made, but did not give a resolution to the issue. Instead, they just kept putting us on hold and transferring us. My husband said it happened to him a few months ago. They took alot more than he had authorized and they told him that he would be better off leaving it since he had another payment coming due. He said it took them 2 weeks to return his money after he called SEVERAL times.
There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX of XXXX XXXX assistance XXXX total, XXXX XXXX XXXX total, an account through XXXX XXXX. Please help as this agency is not complying
I must start with the CFPB is a godsend when assisting consumers. You helped me resolve getting insurance money that Ocwen would not issue me BUT now Ocwen will not correct a 30 day late payment that they assured me would not be reported to the bureaus. I 've spoken with the Ombudsman office several times and they tell me the same thing, that its been submitted. I 've called XXXX and XXXX ( which is another nightmare in it 's self because of 3 party language barrier ) but I can not get any resolve. XXXX has correct the XXXX XXXX 30 day late. But XXXX and XXXX when they try and call Ocwen they get a different person every time and a different story every time. Neither XXXX nor XXXX will correct the XXXX late payment based on the multiple letters from Ocwen to me. They tell me they must verify with Ocwen and Ocwen will not verify they reported it incorrectly when the bureaus call them. I have that in writing from Ocwen with the letter dated XXXX XXXX. Ocwen then sent me another letter on XXXX XXXX stating they did not report incorrectly but as a " courtesy '' will report it as current. None of which has happened. I luckily was able to refinance my home with a local lender but had to take a higher interest rate because of this error by Ocwen. I have every right to sue them but at this point just want to be done with this despicable company and pray in the near future they will be dealt with by their many victims.
I have a series of erroneous, credit-damaging late fee payments reported by HSBC on an overdraft account dating back to   XXXX   -- that I did not know existed.     HSBC has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my account.  (   See  HSBC communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated  by HSBC a s a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.
XXXX - checked my credit reported and noticed a debt that doesn't belong to me. 
XXXX - sent a debt validation letter to Collection Bureau of Ft. Walton Beach Inc regarding this debt that's reporting on my credit report XXXX - Collection Bureau of Ft Walton Beach Inc sent me a letter asking for medical release authorization. To my knowledge, a collection agency isn't supposed to have your medical records as well as I'm not obligated to provide medical release forms to the collection agency. 

Please help getting this debt removed from my credit report if the company can not provide me with viable information that this debt truly belongs to me.
MIDLAND FUNDING LLC HAS BEEN ASKED TO STOP CALLING ME BUT EVEN AFTER cease and desist letter they still do. I asked them for a validation Letter and they never responded. Also I have asked them to take their 3rd party collection off of my credit profile. Under the FDCPA, you have the right to " debt validation and They are not giving to me so I would like this taken off my credit. and my credit profile.
My loan was suppose to stay in deferment until I graduated from my current program and then payments were suppose to start six months after graduation. I completed my program XX/XX/2016. on XXXX XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Wells Fargo stating that my XXXX loan is now in default and is due in full immediately. When I called them they told me that there was no way they could reverse anything and they would like me to allow them access to my checking account so that they can charge me {$310.00} a month on automatic withdraws. If I had known that the loan payments were required I could have made arrangements to pay them without the account going into default and now my options are limited. As a new graduate I am still trying to make my way and earn funds necessary to pay off the loans I have.
This is in regards to my mortgage servicer PHH Mortgage. They have used this company from Texas called XXXX XXXX XXXX to enter my home and break in. The home is not yet foreclosed on. They went to verify occupancy. It is a XXXX home in XXXX so there was no food or clothes anywhere. I contacted them and the XXXX Attorney General. The result of that was that they just wanted to see if it was occupied. They have also put XXXX signs on my door saying the property is managed by XXXX XXXX XXXX. The home is also on private property. The property has not been transferred over to them so they do not own the property. They also transferred the property to us with a defective deed. They also told me they could n't produce any paperwork as to who owns the mortgage. This is in XXXX XXXX XXXX and the case number is XXXX XXXX. Is there a way you can look into this and see if this is legal. 

Thank you for your help
Dear XXXX. Seterus is charging me fees to see if I still live in my home ( I requested it me be retured ). They " say '' they send a guy out to see if I still live there. I call them every month and talk to them. Setures took the account over XX/XX/XXXX15. I tryed to pay extra to get caught up on my account ( now does that sound to you of a guy who is going to abandon the property? ) .If they give me back my late fees and house watch fees their would be enough in the account to get caught up but NO, all the care about is money and stealing homes for huge profits.WHY do I need these crimminals handling my account for, they do n't care about communities or people they have to step on. I call them to investage my payments to see what the mistake was make and to call me. They told me they do n't call people with the results, WHY? What are they hiding, so they send paper work they you need a lawyer to explain what it means and they know I ca n't afford that so they get away with if. WHY are n't you as a goverment agency helping me with this problem againest these crimminals? SO NOW they took MY extra money and applied it to the principle, I NEVER GAVE THEM PREMISSION TO DO THAT, just another way for crimminals to get more money from me. I am asking you as a goverment agency to get my money back and apply it to the back taxes account or have then send me a chech for the FULL AMOUNT.
The Credit Card Company billed on XX/XX/XXXX a {$450.00} Membership Fee for the Periods of XX/XX/XXXX - XX/XX/XXXX ( 12 Months ). 

The Credit Card Account was cancelled on XX/XX/XXXX since The Customer was not satisfied with the Level of Service offered by The Credit Card after the Customer was a Good Customer since XXXX ( 17 years ). 

As of the date of Cancellation of the Credit Card Account only 5 of the 12 months of The Benefits offered by The Membership Fee had accrued. The Customer is seeking a reimbursement for the 7 months of Membership Dues which were not used since the benefits paid are no longer available to The Customer. 

The Customer is demanding a Re-Fund of the 7 months of Benfits that were not used ( XX/XX/XXXX - XX/XX/XXXX ) which accrues at {$37.00} per month for a total credit due of {$260.00} for the remaining 7 months. 

The Credit Card company does not want to issue this reimbursement and want to keep 7 months of unused benefits to their benefit.
XXXX, ( XXXX ), has contacted my husband and I many times the past year to collect a debt that we did not know we owed. We got a pack in the mail issuing us to go to court so we called them and they said if you send in a paper stating a payment plan that could be set up, have it notarized, send it back within a week than we would n't have to go to court. We wrote out a paper stating that we would pay {$150.00} a month till it was paid off that same day, had it notarized and faxed it over and called to confirm they received it. While paying them they were very rude about any questions that we had and regularly gave us the run around when trying to find out how much we had left to pay or even if they were getting the payments. Many times they hung up on us or would simply put us on hold till we hung up. We had one gentleman that works for them call us at XXXX at night to ask if we sent a payment in and when we asked who it was he hung up on my husband. The law office works very strangely and is not very nice. We eventually got in contact with who the debt was originally through and made a settlement offer through them. When they approved the deal, they contacted XXXX and told them we could pay off the loan in the amount of {$2000.00} on XXXX XXXX 2015. We made the check out and sent it in and asked for a paper just stating that the debt was paid off and we did n't have to worry about it anymore and they never returned our calls or sent us anything in the mail. A receptionist called my husband 2 weeks ago on XXXX XXXX 2015 and asked if the debt was paid off. He said yes and we are still waiting on a paper confirming it. The lady rudely said that it was cleared up on their end and hung up the phone. We still have not received a paper confirming the debt payoff.
I received a letter informing me that I have a collection of {$4200.00}. That they are a third party trying to collet this debt. They have all of my information correct. The debt is to a XXXX account that was opened in XXXX. I live in XXXX Idaho, the only XXXX that was here was opened in XXXX, then it closed within a year. I have never had a XXXX account. I have even contact XXXX and asked if an account was opened in my name or social security. Nothing came up, I was told that there has never been an account opened with my name or social security. I have even done a credit report and nothing shows up that I have had or have a XXXX account.