WillisBack/dataset-financial-user-claim huggingface dataset:
I received a medical bill fromDesign Receivables Solutions Incorporated and Company, XXXX XXXX XXXX, XXXX XXXX XXXX , CA. 
This is after two years of my date of service an emergency room. I had received other bills concerning my treatment on the XX/XX/2013 which have all been settled by my insurance. 
Some bills arrived in the post more than XXXX time until they where resolved by insurance. 

Another debt collector service called me in 2013 to negotiate payment for a bill. 

This particular company kept silent about the fact that I still owed for two years and then sent me a bill after I changed my address. I called them and said I have insurance and I have sent my details. 

They responded that my insurance can not cover my bill because two years have elapsed. I replied that if I send my insurance details in answer to a bill and a creditor does not respond, I will assume that the bill has been settled by insurance. 

The collection agency has to response to the question- Why wait you wait two years to send a demand letter for a debt or send a follow up that you did not receive my response to your demand letteror send follow up letters continually demanding my debt to youror send a letter or phone call stating that you received my insurance details and my insurance does not cover the debt for the service offered. 

I searched XXXX, XXXX and XXXX company online and found out that this is their usual practice
There is a charge I did not recognize on my account. I have reported this to my financial institution, Chase, and was denied with the reason that I approved the charge at the time of the transaction. However, my wife and I do not remember having a conversation with Chase about this charge, yet, when we noticed the charge, we did speak with each other about finding it odd that Chase did NOT call immediately before allowing a charge like this to post to our account.
I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. Additionally, I submitted a complaint that they exceeded their 30 day response period on XX/XX/2018 and still no responses. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA The item is as follows : XXXX XXXX XXXX XXXX XXXX
I fell behind on my credit card payment. Capital One called my husband who is not on my account and asked him to pay my bill. When he refused they told him how much I owed them. I dont think thats legal.
Shellpoint Mortgage Servicing refused to provide the contact information for the Bureau of Consumer Financial Protection. During a call in which they requested documents to be sent again for a loan modification, I was speaking to a representative named XXXX on the date of XX/XX/2017 and had had enough of their incompetence and requested the contact information of the Government entity that regulates them. XXXX refused to provide the name of the CFPB ( which I had to XXXX ) and the contact phone number. She said the information was on the statement and when I demanded she provide the information she terminated the phone call. Reviewing the mortgage statement from Shellpoint Mortgage did not provide any contact information for the CFPB to launch a complaint as indicated by the representative.
I USED MY XXXX ATM CARD @ USbank ATM IN XXXX GROCERY STORE ON XXXX/XXXX/16. I REQUESTED A {$500.00} WITHDRAWAL. I 'VE DONE THIS FOR SEVERAL YEARS AT THIS ATM. I USUALLY GET XXXX BILLS 0F {$20.00} DENOMINATION. MY RECEIPT SHOWED A {$500.00} WITHDRAWAL, & WHEN I IMMEDIATELY CHECKED FOR ACCURACY @ THE CUBICLE TO THE LEFT OF THE MACHINE, I DISCOVERED I HAD XXXX {$20.00} BILLS, XXXX {$5.00} BILLS, & XXXX {$1.00} BILLS FOR A TOTAL OF XXXX BILLS WORTH {$390.00}! 
I IMMEDIATELY WENT TO THE USbank BRANCH NEXT TO THE ATM TO THE ATM MACHINE & COMPLAINED TO A TELLER. 
SHE CALLED HER BRANCH MANAGER, & HE DECLARED THE ATM MACHINE HAS NEVER BEEN WRONG. HE ALSO SAID I HAVE TO FILE A CLAIM THRU MY BANK ACCORDING TO REGULATION E. 
THIS ALL OCCURRED WITHIN ABOUT 15 MINUTES. 
THE ONLY STATEMENT I COULD GET FROM USbank WAS THE BRANCH MANAGER 'S BUSINESS CARD. I CALLED XXXX WHEN I GOT HOME & FILED A COMPLAINT. ON XXXX/XXXX/16, I CALLED USbank & WAS TOLD THE SAME BALONEY, ALTHOUGH THIS BANK EMPLOYEE ACKNOWLEDGED ATM SHORTAGES ARE XXXX XXXX & BLAMED XXXX OR WHATEVER COMPANY SERVICES THE ATM MACHINES. I ALSO FILED A POLICE REPORT WITH THE XXXX PD, NV ON XXXX/XXXX/16. HOWEVER, ON XXXX/XXXX/16, XXXX PD INFORMED ME THAT THIS WAS A CIVIL MATTER! THUS A USbank ATM SHORT- CHANGED ME {$100.00}, & THIS IS CONSIDERED A CIVIL MATTER. I CLAIM THIS IS OUTRIGHT " THEFT! '' I RECEIVED XXXX BILLS & ONLY XXXX WERE {$20.00} DENOMINATIONS. THE ATM MACHINE EITHER XXXX UP OR SOMEONE ( S ) XXXX WITH THE MACHINE!
I attempted to pay off two unsubsidized XXXX loans in lump sums, in the online Navient system, on XX/XX/2018. These were for the amounts of XXXX and XXXX. Because I have previously done this, my bank account was saved in the online system and was the default choice for these payments. I later found out, without any notification from Navient, that these payments were 'reversed ' because 'the bank rejected payment '. My bank had no record of them even attempting this payment ; the first Navient representative with whom I spoke told me they sent me notification of this reversal, which is not true. 

When I investigated, I found that my bank account that was stored previously in the system had been deleted from the system, despite the Navient customer support having a record of the attempt from my original checking account. This is suspicious. I do not mind having to re-enter my account, but Navient earned ~XXXX  dollars in interest by having my payments reversed and not telling me about it. When I tried to have this interest taken off future payments, they told me that they can not physically connect me to the 'processing ' ( disputes ) department, and that I must handwrite a letter to send in to their department, which will take 30 days to review. 

I hope this is not a common or intentional occurrence. {$7.00} dollars, while small as a once off, could amount to quite a bit over thousands of borrowers. As a separate issue, it is obvious that handwriting a letter to the disputes department, paying for postage, taking the time to drop it off at a post office, is their way of betting that you will not follow through with the complaint. There should be an easier way to make these claims online, as there is for virtually every other process in their system.
Between the dates of  XXXX  a steady repayment method has been made of nearly  XXXX  a month to Federal/Private student loans.     Having become  XXXX , I have recently fallen into financial hardship and have requested a delay of payment but   Navient is now taking action to send me to collections.
During struggling periods, this is not the first time repayment methods have become a problem with Navient.
Medical information being shared without a Hippo signature I would like a sign copy showing my signature on the debt in question. I would like to see a sign hippo that give anyone but the medical facility the right to shared with any out side agency a medical problem that may are may not occurred. XXXX XXXX XXXX  opened date XX/XX/2014 amount {$1000.00} If no Hippo signature giving XXXX XXXX XXXX the right to any of my Medical information are sign statement I ask that they remove not to be reported the law state that any thing about one Medical history should not be shared without hippo approver to the person that share the information without a {$1000.00} fine est.
This is the second time contacting CFPB this year about Ocwen. The first time Ocwen agreed to put the mortgage in my name only as long as I had the paperwork notarized which I did immediately. I called the second week in XXXX and did not receive the relationship manager I was given but was passed onto another. I believe his name was XXXX. I asked him if my paperwork was received and he said yes. I then told him I didn't see where it said a dollar amount I needed to send in or where I send it to. He told me they wouldn't need the money they just needed to get the final approval on the paperwork. Said call back in a couple weeks. A couple weeks went by and I called again. They said that it was still going through the process and should be done soon. I called every two to three weeks checking on this and each time receiving a different relationship manager. Meanwhile they would not take my mortgage payments. Two weeks ago and I called again livid! The women I spoke with told me that all I had to do was send them {$2800.00} and they'd approve it. What?!! I've been wanting to pay three months ago and now they tell me once again if I send them money they will approve it! 
I honestly do not know how this mortgage company is allowed to continue the fraudulent business they have! Every single day I'm stressed to the max wondering if today is going to be the day my house goes up for foreclosure! I on top of all this have received a notice that I will be getting a temporary trial period payments ( Nothing I've seen yet ) and a lawyer that is saying that my house is going to be foreclosed on if I don't pay the full {$64000.00}! Btw before all this modification bs, I only owed {$49000.00}. So I have no idea what the truth is, where I'm suppose to turn and again, how this bank can continue to do this to their customers!! I hope once and for all this gets resolved and Ocwen is made to stop playing with peoples lives. As you can see from these documents, this is what I'm dealing with.
I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to Great Lakes Higher Education. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with XXXX w/account number XXXX as a paid collection which is also reporting incorrectly.
Scottrade provide me with the information I requested on how to file arbitration. It was previously brought to Scottrade 's attention that the arbitration agreements with Scottrade Brokerage and Scottrade Bank are mutually incapable, thus I sought clarification on the specifics, as well as requested instructions on how to file a dispute. Scottrade has refused to respond. Furthermore, Scottrade has alleged that I would be responsible for significant administrative/travel/filing fee costs associated with filing an an arbitration case. I have requested information from Scottrade on how to remedy the prohibitively expensive nature of arbitration and have not received a response. I kindly request Scottrade provide information regarding how to file an arbitration claim against Scottrade, Scottrade Bank, and Scottrade Financial Services and the differences in any arbitration agreements.
I have already deleted the e-mails regarding my request to see why my EQUIFAX credit report stopped showing the fraud alert associated with my credit data. I did contact and describe in detail what my issue was. I was contacted back with an e-mail saying the issue was resolved. In fact it is NOT RESOLVED. I have been renewing my fraud alert since the data breach was first published. I am allowed to renew some days in advance and do get the verification that a fraud alert is active on my account. Customer service also stated the fraud alert is active. I believe it has been about 30 days since I received the last email that my issue was resolved. If it is possible see if Equifax can determine why a fraud alert is not still displayed in the " Credit Summery '' of my report.
I received a loan in the amount of XXXX, term 4 years, my payments monthly are XXXX, at the end of my loan I will have paid XXXX. I would like this investigated please
Several years ago I opened an account with BBVA Compass bank in My Name and my wife 's name. When the account was opened we were issued a credit card. In XX/XX/XXXX we closed our BBVA bank account and we thought we closed the credit card account. We never used the credit card during the time we had the bank account and never received any credit card statements before or after we closed the bank account. Today XX/XX/XXXX we received a {$0.00} balance statement from BBVA Compass for a credit card in my wife 's name for the period of XX/XX/XXXX to XX/XX/XXXX. I called BBVA compass to verify that this was not fraud, and the ask for my SSN number, which I refused to supply. They were able to verify the account by our phone number and address, and agreed to close the account. I ask for the last four digits of the SSN number that they had on file for this account, but their representative XXXX XXXX refused to answer. I am complaining about two actions by BBVA. 1.  Keeping the credit card account open, when they stated it would be closed in XX/XX/XXXX, and not sending any statements until XX/XX/XXXX. 2. For refusing to supply me with the SSN that the account was opened under. The bank account had my SSN on it, so they had no business opening a credit card in my wife 's name with my SSN.
This is the second complaint to the CFPB on this death/assumption/modification closing. To date OCWEN has only retaliated for my complaint by changing the terms and transfering my deceased daughters loan which had been transferred to me, back into her estate? 

The loan was transferred to XXXX who is now requesting {$12000.00} which Ocwen claims to have forgiven : Current Terms were : Unpaid Principal Balance : {$21000.00} Interest Rate : 10.375 % Remaining Term : XXXX? 
Loan maturity date : XX/XX/XXXX Proposed Terms are : Unpaid principal balance {$33000.00} Principal forgiveness : {$9000.00} Amortizing unpaid principle balance : {$24000.00} BALLOON PAYMENT : {$4200.00} INTEREST RATE : 3.875 % REMAINING TERM : XXXX? 
REMAINING AMORTIZATION TERM : XXXX? 
Modification Effective date : XX/XX/XXXX? 
XXXX XXXX XXXX : XX/XX/XXXX I continually questioned the terms of the death/assumption/modification and finally received this unofficial non RESPA document. I was told that there was no BALLOON NOTE and all this information would change after the trial period? It was not changed but instead my daughters loan was transferred to cover up this disaster. In addition I was continually questioned as to where I got the document? So I gathered I was not supposed to know that I was being defrauded and taken advantage of. 

I was already promised by the OMBUSMAN department that they would adjust the junk charges added to my loan previously when this loan was paid off? Is it a technicality that transfer does not mean paid off? 

Ocwen is now requesting estate documents before they can talk to me ( letters attached ). Documents that were provided last year in order for them to provide a mortgage assistance acceptance form and final notorized borrowers acknowledgement ( both attached ). 

The payments are current to XX/XX/XXXX and all payments were made as agreed per the contracts we are into 6 payments and no one is paying attention. All documents have been provided after continually contacting OCWEN and finding someone who made sure I got the documents to notorize and finalize this transaction. Only to find that it has not been finalized because of the retaliation from the attempt to rob me and my deceased daughter with a pen. PLEASE, PLEASE HELP.
XXXX XXXX XXXX  XXXX XXXX  fund paid this bill and it has been verified. It should have never went to collections and I never got any notice it was in collections just showed up on my report one day. Please remove and update records.
I opened a high interest pay loan with Cash Call. In XX/XX/XXXX and they have marked my account as late on three separate occasions on my credit when I first, requested the pay date be changed so that my account was debited on a different date. The representative asked for all my information. On XX/XX/XXXX and XX/XX/XXXX, those payments were not reflected correctly and caused overdraft fees and late payment on the account. In XX/XX/XXXX, again, they show a late payment when the payment was made on time and reflected one day late. If you note on their terms we have the ability to change that withdrawal date. 
I was not notified that it would not be honored in XX/XX/XXXX. Also, they state in the paperwork that they will notify the persons responsible for the loan if any ACH is not honored so we could have an opportunity to correct that problem. That did not happen on any of the cases. 
I have called, written, spoken to supervisor to notify them and they just respond with a generic letter. 
Therefore, I would not only like my case looked into, but the practices of this company. 
WE are at their mercy to say if I called, or did not call. Perhaps, call logs might be retrieved as my communications have been more than several. 
I incurred hundreds of dollars in overdraft with Cash Call and I should not be marked on my credit report at all when I called to change the ACH debit dates as well as their lack of communication on letters they state were sent. I would like proof of those demands, as that is what they ask of the consumer, proof we paid and when. 
Thank you for all of your assistance.
why didn't this company ( ocwen ) show you all the history of the payments that they have since XXXX and how is it possible that a company not know that they paid a year early of taxes NO I do not accept there response this company needs to show you proof of all the transaction of payment history they have done in my loan since XXXX where it goes from XX/XX/XXXX is where the loan went from XXXX to XXXX, plus and then XXXX, plus on the prior principal balance when it should of keep going down from XXXX because each month a payment was being paid the principal balance should of gone done.
This is a Business and they called asking for a individual who does not work here. They would not identify themselves, the company and just hung up on me 2 times!!
I reached out to capital one to advise them of an charge that had taken place on my account. I was told by the merchant that has caused the pending transaction that it could n't be stop and I should reach out to the card holder directly. Which landed me with the rudest off shore agent I had EVERY encountered named " XXXX '' XXXX. He did n't attempt to help me at all when asking questions he repeated the same dialect repeatedly. I asked that he please not say the same thing again and thats when it started. He said that I was n't listening and if I payed attention their was nothing he could do. While I was talking he continued to talk and when I got louder so did he. He was yelling and I said that you dont get to yell at me I am the customer. He in return advises that I was talking loud so, so could he. He continued to rant as I advised him of his horrible service and the fact that he was being very unprofessional. He said I can talk to a supervisor because they are going to do and say the same thing basically. After I advised the agent of how disrespectful and nasty he was he said thank you so much ma'am for that, and anything I said after he was purposeful attempting to get a rise out of me. I could n't believe this was happening so then I made the suggestion he get the supervisor as he mentioned before. When I was transferred I still was in disbelief of what just occurred. I had never felt so disrespected by any company and truthfully felt like my account was in jeopardy because this guy had access to it. I told the manager of what took place and she attempted to help but with no true resolve, I told her that I was going to immediately close my account and dissociate my self from the company solely on the actions of the rep which did n't seem to really concern her. My dispute was finally opened when I continued to reach out to the company and I continue to express the fact that once this is resolved and completed I will be closing this account. It does n't really seem to matter much to anyone I speak with there which is why I cant believe Capital One stands for agents like this. They advertise the fact that they are suppose to care and have your best interest in mind however I see that 's only unless you need them to correct an action. Highly disappointed.
BSI Financial bought my mortgage from another company. ever since they have stated that I have not made payments.
Fell behind on my student loan payments and have not been able to catch up due to other living expenses.
In XX/XX/XXXX my credit card with Capital One was in a {$780.00} state of closer so I called to make arrangements which was towards the end of XXXX of that same year. So I began to make payments to lower my card debited amount. I'd noticed that I also needed to cut down on my uses of the card which I'd done that also. I began to increase my payments, here I'm thinking that doing such would lower the amount of the balance, but it didn't, it just seems like this balance was getting longer to pay off. After staying up until XXXX XXXX on XX/XX/XXXX this morning and adding up what I've paid into this account with the {$280.00} that shows on my new balance will total to be {$1400.00} in a 9 months span. I know what my interests rate is and this rate that I'm being charged is more than what I agreed to. XXXX the costumer service rep. that I'd spoke with this afternoon @ Capital One claims that what I owe is {$480.00} which is a big conflict in what I have received and what she's claiming that I owe which is ridiculous. XXXX XXXX XX/XX/XXXX
On X/XX/2018, XXXX made an unauthorized hard credit pull on my Equifax credit report.

Contact information : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone ( XXXX ) XXXX.

I do not have an account with XXXX and I did not attempt to open one.

I filed a dispute with Equifax and notified XXXX directly and no one has corrected this problem.
I have a complaint of file # XXXX, I 've attached formal complaint being filed today that further details the fraud involved by the Lender and Brock and Scott, PLLC.
For the past 4 years I have been trying to get a modification. About 3 years ago the loan was assigned to Caliber Home Loans. XX/XX/XXXX I was a approved for a Trial Period Plan for 3 months, XXXX payment due XX/XX/XXXX in the amount of {$1500.00} ; the last payment under the trial plan was due XXXX XXXX. I continued to make monthly payments as I was waiting for the final paperwork for the modification. XX/XX/XXXX I received a letter stating that I was not eligible for the modification because I did not accept the offer, which is not true as I never received the documents. XX/XX/XXXX, received another letter in which they returned my payment for the month of XXXX. I did call Caliber Home Loans XX/XX/XXXX asking for an explanation and details, and I was told that there was nothing to explain since letters were sent out. In the meantime, I received a foreclosure letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that my property is going to be foreclosed XX/XX/XXXX. I am looking for some help, as I do not want to lose my property in which I have owned XX/XX/XXXX. Caliber not once, helped me or has made any effort to take into consideration my hardship. The currently interest rate is 8.250 %, and an adjustable as well. I can not afford to take any chances as the rate can go as high as 14.250 %. Any help I can get would be greatly appreciated. Attached is all the necessary paperwork to support my complaint. 

Regards, XXXX XXXX
About two months ago I contacted Experian about Identity theft. 
This item was not removed from my credit report there was another Item that was removed because of Identity theft. My family and have been a victim of this on going problem It has been hard to get Credit the little I know about this Item is that it is a Medical COLLECTION.Please note we have Insurance and I am attaching it documents. 
Thank You