WillisBack/dataset-financial-user-claim huggingface dataset:
I was seen by a doctor in a emergency room. My insurance paid the debt in full. The doctor tried to balance bill me in error. I sent the explanation of benefits to the debt collector to prove I did not owe the debt in question. They keep telling me that they are waiting for the original creditors response. I have been waiting over 30 days for them to remove this from my credit report ( since sending E.O.B ). The account is over 2 years old and I have been disputing this account for over 1 year.
On XX/XX/XXXX Capital One cashed a check for {$760.00} that was made payable to a different entity. 
On XX/XX/XXXX I called Capital Ones customer service line and spoke with one of the  representatives. After repeating myself several times using simple terms, I explained the error that I had made. 
I had inadvertently mailed Capital One the wrong check. I had mailed my office rent check to Capital One. 
My office, XXXX XXXX, an executive office suit, noticed the error quickly when they received the check that was intended to go to Capital One. 
I explained to the Capital One phone representative who had a difficult time grasping the concept that Capital One received the wrong check. When the representative finally understood, your representative said I should just wait and see if the check clears. 
It was to my surprise, it had indeed cleared. Capital One cashed a check that was made out to a different party. 
I mailed a letter to the attention of the Office of the President at Capital One.
I took advantage of a free-trial offer for a credit report. After charging my account for {$1.00} to pull my credit, I was signed up for monthly credit monitoring. I called and requested to cancel my monthly membership. My credit card continues to be billed. I have called them to cancel this membership several times in 2016 and every time I call, the representative states that they are have no prior notes of my conversations. This company refuses to cancel my membership and refund my money. I was finally able to get the membership stopped in XX/XX/2016 after insisting that my call is escalated to a supervisor. But this company still took well over {$200.00} from my bank account after I instructed them to stop The company completely refuses to acknowledge all of the prior requests to cancel the membership and refuses to issue a refund for all of the unauthorized charges to my credit card.
Equifax through a previous CFPB Complaint No : XXXX. Equifax was to remove and delete an illegal fraudulent account by XXXX XXXX XXXX. Upon completion of the Equifax , CFPB investigation, Equifax deleted the fraudulent account, but later restored the illegal account once the above CFPB account terminated. Equifax has 24 hours to delete permanently any XXXX account as informed in the previous CFPB Case. Now, this new Complaint is on another fraudulent account by XXXX XXXX XXXX XXXX which derived from the previous XXXX Loan account removed temporarily. See attached
I am currently serving in the XXXX XXXX XXXX, and the government travel credit card is issued for military/government service related duties only. 

Ive spoken to the bank about the ongoing pay issues involving pay delays to military that are do to government shut downs or just department of defense pay delays that are out of military service members hands. 

They want their money or they add late fees and the chain of command gets involved in negative manner on their card holder. 

Ive given the bank the information to call the pay roll which is military travel pay department whom pays the card directly and thru defense travel services which they will refuse to do so, and burden the service members to pay. 

This practice needs to stop
I have disputed this account on my credit report that is showing " Jefferson Capital Systems '' from XXXX and the CB 's removed the negative remark due to them not investigating within 30 days. I have since then received a paper in the mail stating they are the owner of the collection account. I have notified them through the Credit Bureau that this account was due to identity theft and is not mine. They continue to report on my credit after the CB removed it. They also continue to collect even after telling them this is due to identity theft. 

I have provided a copy of my police report showing identity theft.
The company in question, CACH LLC, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as CACH LLC and CACH , LLC ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " XXXX 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.
My account is in Forbearance states from XX/XX/XXXX-XX/XX/XXXX but Fed Loan Servicing posted a 90 days late in XX/XX/XXXX and a 120 late in XX/XX/XXXX. I contacted Fed Loan Servicing and they were unwilling to correct the reporting and told me to send in a dispute to the credit bureaus. I sent in the dispute with documentation from Fed Loan Servicing that proves my account is in Forbearance during those dates. XXXX was able to remove the 90 day late and the 120 day late due to the supplied documentation but XXXX was only able to correct it to show that it is " paid as agreed '' in the comments but the 90 day late and the 120 day late remains. i was told by XXXX that Fed Loan Servicing was n't willing to remove that. This does n't make sense. If there is n't anything due and it is current how can it still show 90 and 120 days late? XXXX was able to clearly see that it should n't be reporting that way but XXXX wo n't make the change.
My wife passed away XX/XX/XXXX. I was unaware of this card carrying a balance and realized it when I pulled my credit to buy a home. I called to pay them and asked them to resolve it and they said they would fix it. They still have not fixed it. I called again XX/XX/XXXX and they said they have fixed it and they haven't.
Select Portfolio Servicing XXXX Inc., is the WORST company I have ever dealt with in life! Since XXXX, XXXX, I have been trying get the mortgage ( in my deceased father 's name ) lowered. I have consistently filled out paperwork, and sent in requested documents over and over again. ( I have those documents as proof along with dated receipt emails from Select Portfolio Servicing , Inc. ) My latest attempt has been to go online and request a modification/assumption ( or whatever the latest option ). However, I received a letter from Select Portfolio Servicing stating that my home would go into Foreclosure and up for sale on XXXX XXXX XXXX. I am attaching a letter I wrote to them in XXXX XXXX. It pretty much sums up the situation. I believe Select Portfolio Servicing has deliberately put me off, by loosing documents, and requesting them over and over again. I had an appraisal done on the home. I contacted them about it, they said it was no long valid because it was over 90 days! I did n't know that! They have done checks on my credit so much that I asked them not to do it anymore because they were Hard Hits! I have met with a XXXX XXXX XXXX to help me with my troubles. I feel somewhat of a relief, but I still have foreclosure hanging over my head. This mortgage company seriously needs to be investigated. I 'm sure other people are experiencing, or have experienced somewhat of the same thing.
My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or Helvy, ( collection agency ) until it was turned over to collection. I sent two letters to Helvy explaining the situation and that the bill was due / paid by the new homeowners. Zero response from Heavy. 
Finally when I saw the collection on my credit report, I called Helvy and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify Helvy that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX   removed it in 24 hours. The other two agencies have not. 
This gross mistake by Helvy is costing me a mortgage and poor credit score. 
Thank you in advance for your help.
A balance in the amount of {$67.00} was paid to   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX , MD  XXXX  ; telephone  XXXX  on  XXXX . Unknowingly, I was unfamiliar with the balance until I requested a copy of my credit file from  XXXX ,  XXXX  and  XXXX . I contact  XXXX   XXXX  's office and they stated they had mailed me an invoice with a {$67.00} balance several years ago. However, I never received the invoice due to moving from   XXXX   XXXX   to   XXXX   XXXX  . A change of address form was submitted in   XXXX  , however, I never received the invoice.   XXXX   XXXX   XXXX   XXXX   office submitted the payment to a collection agency,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX  ; telephone   XXXX   XXXX   XXXX   XXXX   Capital Accounts stated the balance is {$87.00}, which I am disputing. Attached is a payment receipt from  XXXX   XXXX  's office disputing the {$87.00}.  XXXX   XXXX  's office stated they contacted Capital Accounts to let them know the payment was made, however,  XXXX   XXXX   XXXX   XXXX  refuse to update the payment as being paid, which I have also been disputing the fact payment was made with Equifax and they refuse to delete the unpaid balance off of my credit file.
I got your response from previous complaint # XXXX, but you still can't hold my rewards cash balance, it has ~ {$50.00}. GIVE MY MONEY BACK!!! 

I know you have the rights to close my account, but you can't just take away my cash rewards. It's unreasonable at all. All the other banks like XXXX, XXXX, XXXX all give at least 30 days to redeem the remaining balance. How could you take away my cash reward without noticing me in advance? Don't you think it is unfair to me, do you?
I have tried to cancel this service multiple times over the last 2 years however when I last contacted them XX/XX/XXXX, they claim they are unable to find my account. This is not the first time I have tried and each time I become so mad and frustrated I give up. Experian has now sent me an email stating they will be increasing the monthly service for the membership I do not want and they seem to not be able to find when I try to call or email them. I have not logged into their site in over a year and can't reset the password when I have tried because " they can't find my account ''. I have no desire or value in this service and have not wanted it in some time. Their IVR in the phone system is a joke- no matter what prompt you push you CAN NOT connect to a live person. HORRIBLE HORRIBLE company.
XXXX   XXXX   XXXX   started contacted m e in 2015 from a   XXXX   XXXX   I had at one point. The original creditor and this agency is trying to collect on the same debt. It is reporting to all 3 bureaus in the amount of {$620.00}. I do not owe this company, and have no idea who they are. I asked for validation and not verification of this alleged debt. I have no contract with this company and do not owe them. The bureaus have failed to validate any info that I asked for.
JC Penny reported a credit a credit card debt to the 3 credit bureaus back in 2012, then stated this account was sold to XXXX, I 've since spoken with and resolved with XXXX and they completed an investigation to determine the account not to be mine and they have closed the account and reported to all credit bureaus to remove this tradeline, JC Penny needs to do the same, the account is not mine and they need to remove this from all 3 credit bureaus. This is against the law to report inaccurate things on someone 's credit report, this must cease.
I was promised a phone call back from a CAPITAL ONE Account Manager,  XXXX  on  XXXX / XXXX /  XXXX   and never received a call. This complaint has not been resolved. I reopening the complaint for a final resolution.     I was lied to be pursuaded to use this high interest card.
I called Chase Bank back in XXXX to dispute a transaction of a washer that was bought at XXXX online but I had to returned it a couple of weeks later because it was Mal-functioning. XXXX promised me to refund my money in 7 business days and they never did so I decided to dispute the transaction through the bank. I have been a customer with Chase Bank for many years and this is the first time I dispute anything. When I first called they were very nice and courteous and told me not to worry that it was going to be investigated. 1 month later I received a letter considering the charge Valid because of the copies of information that was obtained during investigation and they included in this letter they sent me. The information they sent me belonged to ANOTHER person! They sent me personal information of someone else with a different name, amount of transaction, including their e-mail and all personal information which is a violation of the privacy act, it is absurd how they handled this investigation and sent information that has absolutely nothing to do with me.. they violated Federal Laws. The same week I went to chase bank and told them what their investigations team had done, their investigations team did n't even read the information sears sent to them because it did n't even had my name on that paper which " supposedly '' validated the charge on my card. 
I sat down with chase banker and showed him all the papers proving I had the right to have my money back including e-mails of the day they picked up the washer and PICTURES that I took when they were taking my washer away on XXXX XXXX at XXXX. After showing the proof the Chase banker was really nice and saw why I was frustrated and that Chase was definitely going to make it right. So he FAXED all the papers and proof that I had to Re dispute because the investigation team did n't do their job right sending me information that was n't even about me. 
After I went there and talked to the banker I was sure that everything was going to be ok. 1 month later, They send me a letter saying that after reviewing with the merchant XXXX XXXX they found that there was no record of return! How do they accept that excuse when I have PROOF that it was returned? I have an e-mail with date and time of the pick up AND I have pictures proving they were there on that specific time taking the washer away from me! They not only took the Brand new BROKEN washer that they sold to me but they also took all my money and do n't want to return what I work SO hard to make. Not only that but Chase reported my disagreement on this dispute to the credit agencies and destroyed my Credit. I had an excellent credit and now it is Fair because I disagree on a dispute that I have been fighting for months because I have been robbed not only by XXXX but my own credit card company. 
I am very frustrated and cried so many times, it is a big charge and it is not fair that they can just get away with all my money.
I have repeatedly contacted this company via e-mail in order to pay a debt placed by XXXX XXXX XXXX. Once I determined that I owed the debt, since the original bill they sent me was unclear, I contacted them on XXXX/XXXX/2015 requesting that if I pay the debt in full that they remove the account from my credit bureau. When I did n't hear back from them, I contacted them again on XXXX/XXXX/2015 by e-mail. Again, when I did n't hear from them, I contacted them on XXXX/XXXX/2015 with a final request. In this request, I stated if they did not address my request that I would need to turn the problem over to the Consumer Financial Protection Bureau and the XXXX. This should be an easy request to address. Moreover, they should feel fortunate that I am paying this to begin with, because the physician at XXXX XXXX XXXX is overbilling me considering the services he provided. He saw me for about XXXX minutes, did n't run correct tests, and sent me away with medication that did n't even work for my problem. The hospital initially billed by insurance provider almost {$500.00} for his services, and they state I owe about {$250.00} of it despite paying my {$300.00} deductible at the time of service. The total bill was well over $ 3k. And when they billed me, they did n't even bill me correctly. They stated it was for XXXX services rather than physician services, which lead me to believe I had already paid the bill with the deductible. When they finally cleared it up, they placed it with a collection agency before I had the opportunity to pay it and failed to send me notification that stated they were going to place it with an agency. Then, when the collection agency initially billed me, they stated it was for the ER visit rather than disclosing the physician 's visit. Confusing to say the least.
I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.
They have doubled the amount by filing it twice for one second this was to be filed on my insurance and was given instructions as to how to file being it was state medically needy insurance they refused to do so saying I had to pay it and get reimbursed from my insurance and that is n't how that insurance works so they need to file it with the insurance and remove this from my report
In XXXX I filed Bankruptcy which has since then been discharged and I am currently making voluntary payments to keep the car. I was told I could only reaffirm the Loan if it was current and because I was past due I would not be able to reaffirm. I was unable to bring current until the Bankruptcy was already discharged. When I contacted XXXX XXXX on XX/XX/XXXX and asked amount due to bring account contractually current, I was told {$1100.00} to pay for XXXX, XXXX, XXXX, & XXXX. On that day I authorized {$800.00} and then returned call on XX/XX/XXXX and authorized remaining balance of {$300.00}. After that payment I would then have been due for XXXX installment on XX/XX/XXXX. I called on XX/XX/XXXX and authorized {$330.00} - when this happened the representative put in the payment for {$770.00} causing my checking account to over draft. I then called XXXX XXXX to advise them of the error. Now up until this moment I was contractually current. But when they reversed the payment in order to refund me the {$440.00} that was taken in error, its created my account to reflect as if now I owe {$220.00} for a partial payment. I have what is called a Simple Interest Loan which they created this interest due with the payment processing error. I 've since been told that I was misquoted the amount to bring current. Then told I have n't made enough payments since beginning of loan. I have asked for a payment history which they have said they have mailed, but coincidentally I have never received. I 've also been told I have outstanding fees due but they can only explain about {$200.00} or so of them as to late fees but unable to explain the remaining balance to me. I then asked to speak with manager I was forwarded to Manager XXXX XXXX at XXXX have left a message but since then no one has returned my call, I have yet to receive the payment history, and my account is still showing past due. I 've since then made a payment on XX/XX/XXXX in the amount of {$330.00} which should have covered XXXX but due to their error applied towards XXXX. My loan has already been closed due to Bankruptcy so I 'm no longer in an agreement meaning they are able to repossess my vehicle at any time. I feel the account is purposely being mismanaged in order for them to keep the vehicle.
United Consumers, INC is a thir d party that opened on my credit on   XX/XX/XXXX , for {$460.00} I never entered into a contract for services with, they have put themselves on my credit report dropping my score, I have disputed them in  XX/XX/XXXX  in  hopes of seeing proof of any contract they hold with me entering into services for payment and they have yet to provide it. They are still on my report and it has been under dispute for 3 months with no changes. I have never entered into a contractual agreement with this company, and they will not be able to provide any agreement between them and I, so its unfair to stay on my credit report after a 3 month investigation.
In XX/XX/XXXX I received a notice from Ocwen stating that I was eligible for {$5000.00} recast offer on my mortgage. It was an earned incentive under HAMP for paying my monthly mortgage as agreed & on time. I immediately accepted the incentive, and requested to have {$5000.00} applied to my loan, and to have my monthly payment lowered by {$50.00}. When my monthly mortgage payment increased from {$1100.00} to {$1300.00} on XX/XX/XXXX, I called Ocwen to make sure that my incentive had been applied, and was told that it takes 2-3 months. I recently received a letter from Ocwen dated XX/XX/XXXX stating, that I am not eligible for my incentive due to my payment being 41 days late. I have never been late with my monthly payments. I pay my own property taxes & home owner 's insurance and I have never been late. This is an unethical tactic by Ocwen to keep my incentive that I worked diligently for. I have ( 30 ) days to appeal their decision, which I did on XX/XX/XXXX by email to their Escalations Department. This loan servicer is very shady & dishonest, they are always trying to beat their customers out of money, incentives, loan modifications, etc. I want my {$5000.00} earned incentive applied to my loan ASAP.