WillisBack/dataset-financial-user-claim huggingface dataset:
As early as XXXX, I am seeing negative medical collections items on my credit reports as follows : Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX ; XXXX XXXX XXXX Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX ; XXXX XXXX XXXX Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX ; XXXX XXXX XXXX Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX XXXX  XXXX-XXXX XXXX The dates above are for medical expenses that were billed to me. The original creditors have since sold the debt to a local debt collection agency, GLA Collections. The amounts disputed have never been verified with me, despite several letters to the 3 bureaus requesting the documentation bearing my signature contracting I owe this debt. Additionally, I have always had some sort of health coverage, whether it was under my father 's plan up through summer of XXXX, where my employer has now covered my insurance consistently through the present. Through corresponding with the credit bureaus and directly with the creditor, GLA Collections, the only documentation they can provide is the date of service along with the provider and amount billed to me on generic computer print out statements, without any description of the service to prove the validity of the charges. As of XX/XX/XXXX, I had also sent a letter to the Privacy Officer of  the hospital over these charges in regard to them violating HIPAA when selling my information to a collections agency without my consent or knowledge. Since that correspondence, I still have not received the written communication I requested to verify this debt.
In XXXX of XXXX an account that was in debt was sold to Mercantile Adjustment Bureau. In the same month the debt was sent to collections, without any notification received by me. There was no telephone contact, or mail attempts regarding my right to dispute. The account once more entered collections in the month of XXXX, XXXX. There was also no attempt to contact me by mail or telephone. 

In XXXX of XXXX, I was contacted by a collector from this company, stating I was responsible to pay {$2000.00} dollars. Following this phone call I was scared, because I was unsure of what to do. I believe I was pressured in to settling the debt, even though I was attempting to dispute the original ownership of it. 

Following the telephone call, I began to do research and it was in fact an actual debt collection agency. I immediately paid it off out of fear and reprisal. Once the debt payment was received the business had X amount of days to report the payment to all major Credit Bureaus to include, XXXX, XXXX and XXXX. 
After an extended period of time, no contact or notification was received regarding payment and debt settlement.
HX : XXXX 2014 our house burned down. We had our mortgage with XXXX XXXX XXXX, our insurance settlement was sent to XXXX XXXX XXXX and held in escrow. XXXX XXXX XXXX erroneously reported on a XXXX to myself and my husband, one of the escrow disbursements as non employee compensation. The other insurance escrow disbursements were correctly reported to the IRS. Now the IRS is taxing me on {$87000.00} worth in income as XXXX XXXX is reporting it as if I worked as in independent contractor for them. At the time of notice from the IRS I sent the IRS documentation regarding that income. They then needed verification from XXXX XXXX XXXX and when I reached out to them in XXXX I was told that it was reported correctly, that I needed to consult my tax preparer and refused to allow me to speak to anyone other than their customer care department and refused me access to a supervisor and did call me per my request. I then filed a complaint with you and got a response. However, the IRS never received the updated XXXX with the corrected information. I did receive a letter from them outlining their mistake and forwarded that to the IRS. However in the absence of the XXXX that they clearly stated they would provide a Judgement has been made by the IRS and I now owe {$30.00}, XXXX in taxes. I never did receive a copy of the corrected XXXX and apparently the IRS did n't either. So here I am again filing a complaint. It appears I now have to challenge this in the US tax court. This issue has required a significant amount of time, energy and angst. Their unwillingness to resolve this problem is not only frustrating but unacceptable. The lack of follow through is shameful. You ca n't report income to the IRS incorrectly, then be unwilling to resolve the issue. I will happily fax the most recent notice from the IRS.
I tried to disput info from my eqiifax report. All the other companies fixed it no problem. Not only did they not fix it they deleted all my good credit, current and past. 17 years worth. I olve over the phone. Called them 9 times. Takes 40 minutes to get a human on the phone. They say I requested it I ask for supervisor and wait another 20 minutes. They repeat the first guy. I finally get one supervisor that admits I did n't do it but they wont fix it. I have to call creditors which I do. They wont call Equifax like Equifax guy said. Not how its done. So again I call and I wait, Go through whole thing again and they keep transferring me to nowhere, Or the ohone just loops from one recording to another. I call until they close, They refuse to return my imformation they deleted. Cost me over XXXX pts on my score. Now XXXX XXXX has returned the derogatory marks back to my report where the had removed them. No notice or reason why.
Credit Report with XXXX / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my Doctor at @ XXXX XXXX XXXX XXXX. I will XXXX in XXXX 2017. Deferment has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.
I completed and signed a foreclosure settlement with XXXX XXXX XXXX on a property through my attorney on XXXX/XXXX/XXXX. Shortly after, another lender I do not know and never had any dealings with named " XXXX XXXX XXXX '' began sending me default notices and late payment bills after the settlement agreement was recorded on XXXX XXXX. I was never able to get in touch with XXXX or find out how they are involved. Since then, my credit report shows both " late payments '' and " foreclosure '' listed under also XXXX XXXX management, in addition to the late payments listed for XXXX, with identical origination dates. In other words, the settled debt it is now listed as duplicate on my report -- once as XXXX and again as the XXXX company who I 've never had dealings with. After many letters to all XXXX Credit reporting agencies requesting verification, I was successful in removing XXXX entry from the XXXX CRA back on XXXX XXXX. Unfortunately after repeated requests to investigate, incorrect information remains unchanged on both my Experian and XXXX reports and neither CRA has given me documentation of any debt owed to this XXXX company. I have attached my foreclosure agreement I signed XXXX/XXXX/XXXX and also credit reports of Experian and XXXX showing the incorrect XXXX entries on my credit report.
Hello, On XXXX/XXXX/17, I was informed by my bank a LEGAL ORDER HOLD was put on ALL my bank accounts and I would not be able to access ANY of my accounts, I have XXXX. I contacted the phone number my bank provided, it was Premier Credit XXXX, their phone number is XXXX, they identified as Collection Agency for State of Indiana, I am familiar with Collection Agencies and procedures, I asked them about the FDCPA and they stated does not apply to them and that if I wanted to get clear, I would cooperate with them, They stated I would not be able to access any of my bank accounts at all until {$970.00} was paid to them directly. I advised amount is not correct and not owed for that and they stated not their issue or problem, they stated if an individual was listed on their list from state, Bank accounts would be froze until they were paid, no verification of balance, nothing sent to me, just pay them, or bank accounts froze for up to 60 days or longer. I was able to speak with XXXX ( I think was her name ) and the only reason I was able to speak with her is due to my collection agency knowledge, otherwise individuals would have had no idea what was going on or how even to deal with this, so others will be completely unable to help themselves. The Collection Agency faxed over a form after I had to tell them to take all the money they had listed for the Legal Order Hold to XXXX XXXX XXXX XXXX her phone number is XXXX, I spoke with her and she stated she just had received a Fax from them within 5 Minutes of me speaking to the Collection Agency and normally would be up to 60 Days before they received that and no one is able to access their bank accounts. She stated she cleared my Accounts so I could access my remaining funds after the {$970.00} was deducted from my Bank and sent to this Collection Agency, of which I have no idea still as to correct balance due to all the previous payments that had been made to the state, no paperwork, nothing, just a freeze on my Bank Accounts and almost a {$1000.00} check sent by my bank to just to some phone number I received and had to call. This was completely handled in an absolutely horrible way by this Collection Agency and I am quite certain the State of Indiana will be receiving an incredible amount of individuals contacting them on how this is being handled by this Collection Agency. If you could please assist me in anyway with this issue I would greatly appreciate it and I 'm very sure that there will be Hundreds of more individuals that would need your help if you could please look into how this is being handled by this " Collection Agency '' that the State of Indiana has decided to use to collect back taxes owed this is something that will cause an extreme hardship for an incredible amount of individuals in the state of Indiana by having to deal with the way this is being handled and individuals that do have the collection knowledge that I do, will be incredibly distraught and it will cause an extreme hardship on them. 
Thank You.
Had a residential mortgage with XXXX XXXX XXXX, which was transferred to Chase Bank when XXXX XXXX XXXX   failed about ten years ago. In XX/XX/XXXX, Chase Bank agreed to refinance the mortgage and claimed that they had " lost '' the original mortgage and note and stated that they would issue a new mortgage. I closed on the refinance on XX/XX/XXXX. To date, the satisfaction of the former Washington Mutual/Chase mortgage has not been recorded. Chase has recorded the " new '' mortgage and now there are two open mortgages of record against my home.

I requested that Chase supply me with an indemnification for the lost mortgage and note and they have not responded.

This transaction involved property in NY State, and, Chase is obligated to pay a penalty for late filing ( or in this case the non-filing ) of my mortgage satisfaction and for the failure to deliver the original note and mortgage. At this time, the county records show both the " new '' Chase mortgage and the " old '' Washington Mutual mortgage. If I try to sell my property, there will be a problem because the Washington Mutual mortgage is still showing as of record. I also want to be paid the NY statutory penalties for late filing and the failure of Chase to provide the lost note and mortgage.
I have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( XXXX, Transunion, XXXX ) since XXXX of this year 2018. On XX/XX/2018 I froze my lexis nexus yet the bureaus say they verified through XXXX XXXX and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. XXXX  has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX   XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO XXXX , TRANSUNION , XXXX  3. RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS  SUPPOSEDLY CONFIRMED
Hello : I took out private student loans during my XXXX. The loans went into default during a time I was not able to afford the payments. However, I have been diligently making monthly payments almost 1.5 years. However, the entity ( XXXX XXXX n/k/a Navient ) still reports each month on my credit report that I have a past due balance. I have worked out a payment plan over a year ago and have been making payments. Why are they allowed to report to the credit bureau that I have past due balances as if I am not making payments pursuant to a payment plan. This is causing me substantial problems and it is drastically keeping my credit score down.
This letter is to file a complaint with PayPal as well as the Consumer Financial Protection Bureau concerning PayPal 's policy of allocating refunds on purchases to the general balance instead of applying directly to the cancelled charge. 

This has happened to my account twice in the last two months. The first incident was on my statement of XXXX/XXXX/16 for a charge of {$210.00} to XXXX on XXXX/XXXX/16 that was refunded on XXXX/XXXX/16 by XXXX for {$210.00}. In this instance I was charged {$22.00} in interest on an amount that had been refunded. I would like that {$22.00} refunded as a credit on my account. Note that for some reason the charge is shown as {$210.00} on my Statement, but online it is correctly shown as {$210.00} for both the charge and the refund. 

The second incident was on my statement of XXXX/XXXX/16 for a charge of {$230.00} to XXXX on XXXX/XXXX/16 that was immediately refunded that same day by XXXX for {$230.00}. In this instance I was charged {$26.00} in interest on an amount that had been refunded. I would like that {$26.00} refunded as a credit on my account. 

Please note that I 've already scheduled a payment of {$620.00} for XXXX/XXXX/16 which will alleviate any interest charges as noted on my Statement of XXXX/XXXX/16. Of that amount paid, {$340.00} was a charge from XXXX from a charge on XXXX/XXXX/16 which was refunded three days later on XXXX/XXXX/16 in XXXX amounts of {$110.00} for a total of {$340.00}. The application of a refund amount to the overall balance is confusing to the client and I believe to be a dishonest and unlawful practice. I believe that when a refund is made on a specific order or payment that it should be credited to that order or payment. What PayPal is doing is deceitful and that is why I have sent a copy of this letter along with the statements and listing of charges to the Consumer Financial Protection Bureau as a formal complaint against PayPal. 

I hereby request that you refund a total of {$49.00} in alleged interest charges and case and desist this despicable practice of charging interest on refunded amounts.
I opened a CitiGold account to take advantage of a XXXX AAdvantage XXXX promotion that was offered for having a Citi AAdvantage card. I registered using the code provided to me, completed all steps ( Make {$1000.00} in debit purchases and make two months of consecutive bill pay ), and waited the 90 days for the points to post ( Paying {$90.00} worth of monthly fees in the process ). I called in and was told that I satisfied all requirements necessary, that my account was eligible, and that I was targeted and perfectly qualified to get the points. I had n't heard anything after 150 days and called in. The CSR agreed that again that I was eligible and that they 'd file a note for their supervisor to check on it. I received the note and was promptly told that Citi would not be honoring the promotion as " there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' This directly contradicts everything that their own Customer Service Reps told me both over the phone and through Citi 's online chat service. I would like them to honor this promotion after I signed up through the offer that was through my AAdvantage Citi card and after their reps told me time and time again that I was qualified and would be receiving the miles soon.
I deposit {$100.00} on XXXX XXXX, 2015 at XXXX and I was never given the credit on my savings account I went to the branch and they did n't believe me at all, they have many surveillance cameras they can see when I gave the money to the clerk, I want my {$100.00} plus {$20.00} for the incovenience or I want free checks.
I applied for a loan modification after being denied a few months prior, and the reason I was told I was denied was because it had not been 5 years since the modification had had before, know that the 5 years is up a reapplied again, to only get denied again being told I can know afford the home know, which do not make sense, my hardship was prior to me being able to afford the home know. I have a valid reason to why I fell behind due to loss of income.
Debit Recovery Solutions, LLC keep sending me letters, saying I owe them money for ( XXXX ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money!
Dear CFPB, I am a loyal Discover Card Holder since XXXX. Within the last 5 years, I have started a family and purchased a house. So daycare, mortgage, and home maintenance expenses have been the highest expenditures every month. To make ends meet after emergency room visits or storm damage deductible/repair bills I have for the first time in life needed to carry a balance over from month to month. 

This past year was bad ( for me ) and I carried a balance for 10 months straight but finally got a family loan to help me stop the interest charge on our Discover card. The fine print on our monthly statement reads : " Paying Interest : ... We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. " I had a balance of {$6000.00} from only " Purchases '' on my XXXX bill and over paid XXXX. ( Full disclosure : I still have automatic monthly payments happening on the CC like insurance and cell phone, so there is always a balance ). Then on my XXXX statement I was charged interest of {$41.00}. When I called Discover to ask about the interest, even though I paid over, the representative then told me only if I pay off the total balance 2 months in a row does the interest stop. THIS should be the language on the statement. It is misleading and predatory. 

I asked them to please help me out with the interest so I can start XXXX off interest free. They did remove the charge but the language needs to be changed on the statement. 

I love Discover and the only reason I make this complaint is I want them to be the best credit card out there competitive with XXXX. 

Please address this with Discover because others who are not so lucky to pay off a balance with a family loan will be stuck in this interest trap for many years.
Hello My name is XXXX XXXX XXXX I am XXXX and my birthday is XX/XX/XXXX. I recently decided to check my credit score because I have been working on paying off my credit cards and bill I have accumulated when I was unemployed. Now I am from XXXX, NC born and raised and I have never lived anywhere else outside of NC at all I went to College in North Carolina. I have incorrect information on my credit report of me living in states I have never lived or even visit and phone numbers that I have never had now this same issue came up when I was applying for my XXXX Debit card I had to send in identification because of those same things on my credit that do not belong to me I am trying to get my credit right and this is not helping at all and I also see inquires on my credit from credit cards I never even applied for and things I never even heard of now I only have XXXX credit cards XXXX and XXXX XXXX XXXX which is closed and One student loan that is open but in forbearance, XXXX account that is closed but I make payments on now only inquires I should have should be XXXX and XXXX XXXX XXXX I have been checking on my credit and getting notification with credit Karma now I decided to try the annual to see if it would show the same because I get notifications every time anything changes now I see this on Experian and its incorrect and I would this to be fixed please because I do n't not want things I never did or applied for to be following me around on my credit that is not right even my student loan people had my address in CA and I had to correct them and tell them that is incorrect I when to school in XXXX NC and XXXX NC which is the only time I every lived anywhere else for school and I had my own place in XXXX at XXXX XXXX which is correct but anything outside of NC is wrong and I never had a car loan my car has been paid off since I was XXXX and I never had I mortgage and I have only had XXXX jobs in my life since I have been working XXXX XXXX, XXXX XXXX and the job I am currently at now. If you could please correct this information I would greatly appreciated I can be reached at XXXXXXXXXXXX if you have questions or if I need to submit proof because I keep all paperwork for everything.
I have disputed this judgement on numerous occasions telling experian the county clerk of of the court does not show an open judgement under my name, but experian insist their information is correct and keep sending me back to the county for more details and now they are refusing to investigate and not providing where their information is coming from. If the clerk of the court did n't provide the information and they are not seeing a judgement under my name and social where is experian getting their data from and why is this error still showing on my credit? This is n't my judegment, expeiran needs to remove this ASAP.
in XXXX I agreed to settle the outstanding amount owed by my late husband, I sent the check for {$5000.00}. and since then a debt collection agency calls 3 to 4 times a day leaving no message. The debt has been sent against my credit report as an overdue loan payment The company is One Main and the collection agency is XXXX
Eagle finance company closed and sold my account over to XXXXXXXX XXXX XXXX in XXXX Ive been making monthly payments to XXXX XXXX XXXX since XX/XX/XXXX. And Eagle Finance has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact XXXXXXXX XXXX XXXX about it. But every time i try to discuss this matter with XXXX XXXX XXXX they tell me To contact Eagle. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If Eagle Finance no longer owns my debt, the late payments being reported from them need to be stopped amd removed