WillisBack/dataset-financial-user-claim huggingface dataset:
I have regular appointments with the Hospital XXXX. I 've been a regular patient for 9 years for a XXXX XXXX that required the XXXX in XXXX XXXX. In XXXX XXXX, XXXX XXXX and XXXX XXXX, I had follow up appointments to check the status of the XXXX. Apparently, my insurance company denied the XXXX claim on each of these appointments. I was n't aware that these bills were not settled because I never received a bill from the hospital. Recently I was contacted by a debt collector for the balance on these XXXX claims. When I called the hospital, the claim they have mailed bills to my address to which I never responded ; however, they verified that for some reason each of those bills was returned undelivered by the post office. Immediately upon finding out about these unpaid debts, I contacted my insurance company which is in the process of resubmitting the claims in order to settle the debt. In the mean time, I 've had this debt collection company calling and sending me invoices in the mail for a bill that will be covered by my health insurance. I 've told them multiple times that my insurance company is handling the debt, but they still insist on contacting me. My wife and I have exemplary credit. In fact, I pride myself on how good my credit is and I 'm in the process of refinancing my mortgage and now I 'm afraid that I 'll have this debt collector listed on my credit report for the next 7.5 years for a debt that should have never even hit collections if the hospital had figured out how to get a bill to my house so I could contact my insurance company. They did n't even attempt to call or email me. They just sent it right to collections. Funny how the the debt collectors bill arrived in my mail box but nothing from the hospital. When I contacted to hospital, they told me they have to correct address on file so I should contact the USPS. I 've lived at this address for 5 years and all my mail comes to this address. I want for this debt collection company to stop contacting me and I 'd like for any negative entry of this debt to be removed from my credit report. I 've attached documentation showing the bill I 've been receiving from the debt collector. I 've also attached documentation for the reprocessing of XXXX of the XXXX claims showing that XXXX of the debts has been settled. I 'm still waiting for the explanation of benefits for the other XXXX once the claims are reprocessed.
XX/XX/2017. My small business was a victim of identity theft by the bank. They opened multiple accounts and subaccounts in my business name and from what I was able to find out that there was a virtual credit card set up by the bank that linked all of the accounts together and some bank unknown bank personal then was able to transfer money and gain access to the money. I would like copies of those account statements that I know of and copies of others that I did not know of to include opening and closing statements. I would also like account information on the virtual credit card and who had access so that I may intelligently request the lost funds back. Your assistance will be greatly appreciated.
Bank of America stated I had a personal credit card account with them that they filed a claim for in my personal bankruptcy of XX/XX/XXXX. The account in question was not with BofA and was a XXXX XXXX XXXX   business credit card account. 

BofA has fraudulently posted and reported a derogatory business credit card account to the major bureaus since XX/XX/XXXX. I have complained to BofA and they have recently sent me out the account history for my XXXX XXXXXXXX business card. I asked first for my business contract between XXXX XXXX and my self for these charges. BofA has lied to the CFPB and me about saying that because the credit application is 13 years old, it is not available. That is a complete fabrication and lies because BofA like with many of their mortgage loans they take over, they do so without the appropriate assignment notice to debtors ( Which would not be 13 years old ) and they do not have those documents, I was never noticed and they can't produce that notice either. Prior litigation we are investigating shows BofA plays fast and loose with the assignment of debts it buys and trades. I have received a call from a FTC investigator regarding BofA 's games for a regulatory offense. I'm waiting on more documents of other information XXXX XXXX is secreting and a final decision from her or her supervisor I have reached out to for resolve before I speak to investigators. 

Apparently there is an ongoing history of contract fraud and document fraud on the part of BofA and its outside and/or third party loan servicing I wasn't previously aware of .... I believe it's now my duty now to see that justice is done for all the other people who have been harmed by BofA. This all started out as an incorrect reporting of information into my report/s from a Business account XXXX XXXX   Card and now it is quick evolving in to an SEC and FTC investigation. In light of XXXX XXXX continued acts and BofA coverups, I'm sure she will be subpoenaed to answer for her actions and BofA cover ups, she is destined to be a real shooting star here. Way to go XXXX XXXX, you have opened BofA up to millions of dollars worth of damages/fines .... I'm sure that won't bode well for your great XXXX page and resume.
When my loan was originated it included an escrow for XXXX items : 1. property taxes ; 2. Homeowner's/Hazard Insurance ; and 3. a private water and sewer fee. The loan has been assigned to Suntrust Mortgage and they claim that they are not setup to pay the private water and sewer fee. Customer Service hands me off to the tax department, the tax department says I need to talk to the customer service department. I have sent them a copy of the bill, they have a copy of the HUD-1, they can not give me a time frame for their response. The bill is due by XXXX/XXXX/2016. They refuse to give me a time frame to have this reviewed and resolved.
NE Credit Collection is reporting to XXXX a collection in amount of {$640.00} for XXXX XXXX XXXX XXXX which I can not validate and they will not validate. The " open date '' is XX/XX/XXXX and this is impossible because I have lived in XXXX since XX/XX/XXXX and prior to that XXXX for 2 years. After research this is for XXXX XXXX XXXX phone ( XXXX XXXX XXXX in XXXX. This is an illegal practice of this collection company and the initial medical creditor since they are reporting inaccurate dates. I have not lived in XXXX since XX/XX/XXXX. This should be immediately deleted. I have never received a 30 day notice of collection to my current address which I have live since XX/XX/XXXX well before the reported date.
Our loan is with Fay servicing. We were making XXXX payments ( and still are ) per month XXXX XXXX XXXX to loan, XXXX to principal. Fay was holding checks until complete payment was made, and then this caused us to show " late ''. In addition out bank account was hacked and we had to replace XXXX returned payments. I sent the information from our bank to Fay and they were to drop the late charges on this issue. 
As to the XXXX late payments, I have sent letters, emails, and spoke with multiple customer service reps on the issue. All have stated that the issue would be resolved in our favor. This has gone on for over XXXX  months ... .HELP. A copy of the most current email is enclosed. 
The actions, ( or in some case inactions ) has caused damage to our XXXX XXXX and ability to refinance our loan. 

Thank you, XXXX XXXX XXXXXXXXXXXX XXXX
filed for Bankruptcy in XXXX. Still getting call from collection agency attempting to collect on castle payday loan. Have a XXXX form sent from castle Payday for cancellation of this debt. Received a call from XXXX Service.wanting me to pay this. spoke with XXXX XXXX XXXX, phone XXXX they called XXXX. Then on XXXX received a call from XXXX XXXX with XXXX XXXX saying I was being sued for check fraud by castle Payday. Explained to this person that this has been canceled in bankruptcy, also faxed the dept cancellation form from castle Payday. What can I do to stop these call. Every XXXX XXXX months I get these calls. XXXX phone XXXX. Your help is appreciated.
In XXXX XXXX I spoke to XXXX at Remex who explained that Remex does not own this account and it had been sold per XXXX XXXX Hospital to another company. I called recently because the account is still on m Equifax account and I was told to pay them. I explained this is not my debt is part of employment verification done by XXXX hospital in XXXX. I explained to the representative that Remex does not even own this debt to attempt to collect would be abusive on their part and XXXX Hospital is responsible for the debt. I asked the representative to provide all paperwork regarding the debt and she refused to provide.
To whom this may concern, XX/XX/XXXX Apparently, there is a fraudulent account in my name with my social security number and current home address attached. A judgment in the amount of {$53000.00} has been created against me because of this fraudulent account not being paid ; because of this judgment against me, I am unable to sell my home without paying the lien and move on with my life. According to the credit application, this account was opened XX/XX/XXXX. The company that has placed this lien against me is called Ditech Financial LLC. A couple of months ago I contacted someone by the name of XXXX from Ditech and informed him of my situation, and he made me aware that I needed to dispute the charges. I was also made aware that an investigation would take place soon thereafter. The process of the dispute had me to manually fill out paperwork before a notary and initiate a police report. There were no issues with this process especially since the original paperwork was done manually. The attached paperwork contains the original installment contract, credit application, the title, the dispute denial, and the dispute paperwork which contains my writing. Accordingly, I felt like whoever could clearly see the differences in handwriting since I was able to see the original installment contract that they had on file. So now I am at the point of feeling like I am getting the run around because its getting harder to speak to anyone about this and recently they have stated that my claim has been denied. This is difficult to accept because the handwriting on the application is not mine, and the credit application signature block stated signature on file. To me, this means they did not even sign the credit application! This account was fraudulently created because I was never or had any understanding of the signing process. Therefore, any signature on any of the attached paperwork for credit is not mine and I am without a doubt disputing.
I opened an account with Chase on XX/XX/XXXX. It was closed on XX/XX/XXXX, but I was never notified. Nearly 10 years of my credit history disappeared from my account, which is negatively impacted my credit score. If I had been notified of the potential closure, I would have used the account a few times, just to keep it open.
Shellpoint Servicer / XXXX XXXX XXXX XXXX : Denied not enough income 130 % Debt to Income -- For three Months my application has been in and Countless Times re-sending- They wanted me to Break my self employed income away from my Long Term Rental income- LESS {$2800.00} in income -- so the Over All Income would not work - that is WRONG.
We mailed full payment of {$67.00} due  X/XX/17    to Target on  XXXX . Due to two federal holidays that week, payment was received and posted by  Target  1 day late. We were out of town for 3 months and did not have mail forwarded as we pay all our regular monthly bills electronically so we did not see notice that Target received our payment  one  day late. Cumulative fees were charged each month until we returned home on  X/XX/17    and found a bill in the amount of {$96.00}. This was only for late fee s (  late fees on top of late fees each month  )  even though  Target   received payment in full in  XXXX . I contacted Target several times and finally spoke to a supervisor who said they could not waive the late fees even though payment was made. I sent a letter appealing to  Target  headquarters that this seems unfair and excessive particularly since bill was paid. I received no response. We pay all our bill on time, in fact we pay early and are proud to have an excellent credit rating. Target reported this incident to the credit bureaus which undoubtedly will impact credit rating. I feel this practice of charging late fees after a bill is paid is unfair and excessive and impacts our credit rating and we paid more in late fees than the actual bill even though they were paid.
This is my  3rd  dispute with  XXXX   XXXX  regarding the inaccurate reporting of 30 days late for  XXXX   2016 . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.
I have gone through a bankruptcy chapter XXXX. I have XXXX houses that had debt discharged. Neither house went through foreclosure. Experian is reporting the bankruptcy as a foreclosure on the house loans which is NOT correct. I have asked them to change the coding to reflect a chapter XXXX, however they refuse to change it.
There are several issue, experian have deleted account in good standing to ruin my credit history, rei aerated previously deleted informations, improperly shared my formatin with collection law firm which requested nformation has nothing to do with employment or extending credit
I had a credit card with Wells Fargo. I am unsure if I requested it or it was given automatically. I had a credit limit of XXXX on the card and had a mortgage and my salary directly deposited into my checking account at the bank. I had no issues until some months later when I incurred a XXXX monthly fee. I inquired and was told that in order to not have a monthly fee I would need " direct deposit and a we credit card with a limit of at least XXXX. '' I told the representative that I met that criteria and then I was told that my credit limit had been reduced to {$1400.00}, unbeknownst to me. So the bank decreased my credit limit so they could start charging me a XXXX monthly fee. I was livid and still am, but it is time consuming and super frustrating to re-establish my mortgage and accounts with another bank, but boy would I love to do so. I have been paying this now for at least 2 years and thought I had no recourse.
Disputed with the company on XX/XX/2018. The company received my dispute on XX/XX/2018 via certified mail. It is now XX/XX/2018 and I have yet to receive back sufficient validation of that was requested to verify this alleged debt. The FCRA gives the company 30 days to respond and after this time had passed, the company sent directly to my address a copy of billing statement. According to FDCPA, this is NOT sufficient validation.
My Mortgage company PHH, located in New Jersey sent me a letter stating that due to my equity in my home ( {$300000.00} ) and my excellent credit I qualified for a refi at a terrific rate, please call. I called because this would also pay off my bills. I talked with an agent XXXX XXXX. My main question was " whats the interest rate '', I believe currently I 'm at 3.84 %. He had to have my SS number which I hated because it will show on my credit report. He looked and came back with a little over 4 %. I agreed to proceed. He asked for a credit card number which rattled me. Why? He said in case I DECIDED TO DROP out of this offer it covered their costs. I asked him again to be sure we were clear. He then forwarded my info to a XXXX XXXX who asked for all kinds of forms - the normal forms. I receive Royalties for lease and gas/oil in the state of Oklahoma. I get XXXX 's but getting a contract showing what I would receive for the next three years was near impossible. No one understood what I was talking about. SO I informed XXXX if they had to have this and I would be rejected to be sure to remember I was told that I would not be charged the {$730.00} fees on my card. She never answered me on that question/statement. I have all the email 's as proof. I was charged yesterday on my credit card. I wrote XXXX stating why? I also have not received anything in writing that my refi was rejected. She wrote that my refi was denied because of the inability to get continuance on my royalties. Even a job can not give continuance. What I did receive from PHH was another letter stating that due to my excellent credit and equity in my home I qualify for a loan on my equity. What kind of scam is this place running??
There is a letter enclosed explaining the issue. QUALITY ACCEPTANCE LLC, committed a series of FCRA regulations as well as never contacted us to let us know about the auction of car, nor ever given us a receipt for auctioned car, and not selling car for blue book value, as well as not honoring agreement to lower the 19.95 interest rate after a year, putting us in collections when QUALITY ACCEPTANCE failed to give us not only auction slip but to warn us of auction, so we could have possibly bought car, sending letters threatening to sue without intent. In one year and 3 months, we paid including auction car that was under sold by {$3000.00}, we paid {$14000.00}, plus {$2000.00} down payment, and have no car no nothing to show due to QUALITY ACCEPTANCE illegal dealings.
My identity was stolen. I found out when I received a credit report when applying for an apartment. I spoke to XXXX on XX/XX/2018 at approximately XXXX pm. I requested the letter as I was advised by the FTC detailing that : 1. the fraudulent account was not mine. 2. I am not liable for the account. 3. That the account was removed from my credit report. 

XXXX from CapitalOne told me that the account has been closed due to fraud and that I would be receiving the above requested letter in a few days. 

Today, on XX/XX/2018 at approximately XXXX XXXX I contacted CapitalOne as I still did not receive any correspondence from CapitalOne as promised. I contacted CapitalOne and informed them of the situation. XXXX told me that they were notifying the credit bureau but I could not get the letter as promised unless I provided a copy of my social security card and my driver 's license. I told them I was uncomfortable with that as my identity was stolen and could provide them with any information they wanted. They refused to help me. 

The basis of this complaint is that the company told me incorrect information during a sensitive time on XX/XX/2018, did not follow up with me, and when I called again they said the complete opposite of what they said during my initial call.
Follow up complaint. 
From my previous complaint regarding Portfolio Recovery Associates, they sent the documents requested. From my previous complaint, I stated that I was never told about this collection from their company and their intent to place this account on my report as a negative account. When I received my free annual report in XXXX, thats when I became aware of this insertion onto my credit. According to my XXXX report, this insertion was first reported to this bureau on XX/XX/XXXX. After reviewing the last payment documented as requested, the last payment was recorded XX/XX/XXXX bill, meaning the last payment was in XX/XX/XXXX.XX/XX/XXXX This account was outside of the statute of limitations when it was placed on my credit report. This company knowingly inserted an old account with intentions of ruining my credit. Furthermore, they never contacted me regarding their intent.
I recently viewed my credit report and I see that I have a collection of {$630.00} of a hospital bill that I was n't aware of at all. I did have a car accident three years ago and went to the hospital but I was told the insurance company was gon na pay for it since I was the passenger of the person driving the vehicle. And now it 's appreared on credit report 2 months ago and it 's messing up my credit and I called the company twice and they were very very rude and did n't give me enough information and hung up the phone. I need this off my credit report please.
I found fraud in the so called loan process i.e. servicing, and originating the credit. Notice was enacted of the violations on commercial law and common law. The mortgage servicer 's fraudulent activity has voided the contract and nullified the contractual obligation of the payee. I revoked the power of attorney and instructed the company to forward the chattel papers to the updated trustee. They refused to comply with my demand. Now, they are processing an illegal foreclosure of my personal property, which is not lawful because they sold their security interest when they transferred/ assigned my promissory note to an investor that is trading my " instrument/ note '' on the open market. All of this is not legal because in Alabama, all transfers/ assigns are to be filed with the county recorder 's office. 
The mortgage servicer, once mortgage lender, have no lien on my property, which makes the frivolous foreclosure process an illegal procedure. They committed securities and wire fraud by sending me a forged document ( a copy of the single indorsed security instrument ) via email communication. All incidents have been report to the pertained local and federal agencies.
I joined Coinbase in XX/XX/XXXX. Things were going fine until my Coinbase accout XXXX was hacked. I had coinbase place a freeze on that account immediately butbthe hackers had already stolen my funds. I also had a second account XXXX which I believed may have also been hacked. I found out two days later that was not the case and to please reopen my XXXXXXXX XXXX XXXX account for trading and transferring my fund into my attached bank accounts. As I stated the theft took place in XX/XX/XXXX. By the middle of XXXX I still had heard no response to my requests to open. Finally at the end of XXXX I was told that I was able to use my XXXXXXXX XXXX XXXX account. All was well until I received a notification of suspicious activity in my account and my account was again unable to place buys or deposits. I was told this should take 24/48 hours to investigate and return my account. Once again I was placed on a cycle on neverending unanswered emails until I finally got so frustrated I typed a letter to the privacy/disputes department. I received an email from XXXX who had gone through all my documents and agreed this had gone on long enough and he was personally going to make sure my account was escalated to the proper authorities for an explanation of what was going on in my account. Finally on XX/XX/XXXX I received an email from Coinbase support that they had reviewed my account and were reinstating it. I made two {$50.00} transactions of bitcoin and ethereum, paid for them with my XXXX debit card and everything seemed fine. The next day I attempted to make another small trade and my account once again had been closed to buys or deposits. When I emailed for an explanation I was told my account was not eligible for a review at this time and Coinbase could provide me with no further explanations. I sent a second letter to the privacy/disputes department on XXXX XXXX and have had no response to date.