WillisBack/dataset-financial-user-claim huggingface dataset:
I have been contacted by Mountain Land Collections and the offices of XXXX XXXX XXXX multiple times in the past regarding a medical debt that is not mine. The first time they sent me information regarding the debt I properly addressed a dispute letter to them asking them to validate the debt. I never heard from them. They did not send me validation of the debt but they did add the debt to my credit report. I have recently drafted letters to each of the credit bureaus, an example of XXXX which is attached, making them aware the debt is not valid and to remove it from my report. Most recently, this company, along with filed a judgment against me for the debt and served me at my home.I did as instructed and responded to the suit with a defendant answer denying the suit because they did not validate the debt. After this, XXXX XXXX XXXX 's office contacted me to set up a payment plan. I informed them that I was not refusing to pay the debt, simply requesting validation of the debt. They have still not provided me with this and they have unlawfully charged my credit card for {$100.00} for the first payment in their plan that I did not consent to. I am disputing the credit card charge with my credit union and a copy of that is also attached.
XX/XX/18 Got a letter in the mail saying I was denied credit. Also a letter came for my brother in law from the same company. Which we never opened and will be sending back. 
When I called XXXX XXXX  they refered me to my local branch. When I talked to them the lady said the application was hard to read because it looked like some had whited out in and wrote over it. ( In my opinion this should have flagged the application and triggered a call to us. ) They had my brother in laws name matched with my husband social security number. Red flag number 2 I would think. 2 workers refused to give me the name of the regulating body. The 3rd person finally gave be the initials of the regulating body but couldn't or wouldn't tell me what the letters stood for or give me a address or phone  number. Also the letter didn't say why I was denied.
Keybridge submitted a medical debt to the credit reporting agencies that was paid. This is a matter in which both the XXXX XXXX XXXX and Keybridge have handled the matter incorrectly. We made regular payments for years to XXXX XXXX XXXX, I submitted 5 written notices to them asking for a statement reflecting what they felt we still owed. At all times we updated them with our new addresses, so they had no reason not to send billing statements. They never responded. My husband spoke to them on the phone and their billing person refused to send a statement. I made monthly payments for years, NEVER receiving any billing from them, and we NEVER heard anything of, or from Keybridge. The only accounting of our debt I could go by was the records I kept, the last billing we received was in 2014. Eventually we received a check from XXXX XXXX XXXX stating that we had overpaid the account. Even at that, they sent a hand written note, as though 1 person in the office had a conscience and wanted to do the right thing, but couldn't get permission to actually write a letter. 
A review of our credit report showed the collection reported by Keybridge. They never contacted us in any manner, nor were we given our right to dispute the debt. The debt is paid, we made PAYMENT IN FULL without EVER receiving any billing from either party. This was the result of a XXXX that was pre-approved by insurance, then after the fact the insurance company denied payment. We made regular monthly payments until the debt was paid in full.
This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation o  f HIPAA as well as the Fair Credit Reporting Act.
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from GLA Collections.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA   authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.       XXXX   XXXX    XXXX   XXXX  needs to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an a ttempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.      Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XXXX  amount {$140.00}  XXXX  amount {$240.00}
I wanted to dispute a charge on my Discover card that is from a company who took my money and did not provide any service at all.They started taking my money in XX/XX/XXXX. The merchant name is XXXX and it was a monthly service fee of XXXX thru XX/XX/XXXX.I know it is old but I feel Discover should still be able to go after this merchant, as they are still in business.They also called me and said they were no longer using Discover and I needed to use a different card.I wonder why. To many chargebacks? I would expect Discover to look into this and retrieve my funds.
Hello CFPB, I 'am sending this request because I previously opened a credit bureau dispute with Equifax XXXX XXXX/XXXX/2016. In the Month of XXXX I received the results showing that case # XXXX, Balance XXXX and Case # XXXX Balance {$1800.00} were deleted from my credit file. I notified Equifax that the accounts were still on my credit file after receiving a letter showing the deletions and no documents regarding any insertions of the items being added back to my credit file. Equifax failed to correct their error. I would like Equifax to remove the inaccurate/outdated information from my credit file as XXXX XXXX and XXXX did immediately upon receiving my disputes.
**Repeated robocalls and personal voicemails left from an individual, despite being verbally told to stop several times. Was told by them that they can't stop, as if they have a right to harass. 
**Calls from XXXX area code ( XXXX ) have been blocked, as they try to call from different numbers, but still XXXX area code. They are leaving repeated voicemails in an attempt to full up my voicemail system. 

**Last attempt was today, XX/XX/2018 : -Blocked call from XXXX area code sent to voicemail w/message left @ XXXX, XXXX -Same area code called right back w/message left @ XXXX, XXXX.
I have a chase credit card that was charged off in XXXX of 2014. This debt was sold to a debt collection once then went back to chase. I believe this debt is part of the settlement when cfpb brought action against chase. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted chase to see if they would remove the account however they would not.
I opened a Citi checking account over the phone and I supplied a bonus code that made me eligible for a {$400.00} bonus if I deposit $ XXXX and left it in the account for 30 days. I deposited the $ XXXX on XXXX XXXX XXXX. So on XXXX XXXX XXXX I fulfilled the requirements for the bonus. The terms say that the bonus should post 90 days after the requirements have been completed. So I should have received the bonus 90 days after XXXX XXXX XXXX, which is XXXX XXXX XXXX. It is over a weeks since that date and the bonus has not yet posted. I have been back and forth emailing and calling them to no avail. I have an email confirming that I fulfilled the bonus and that the bonus should post by XXXX XXXX XXXX. However, even showing them this email they have to said they need to launch an 'investigation ' which will take up to 30 days. I do n't see why they need to investigate anything when I already have an email from them saying that I have fulfilled the bonus and should receive payment.
The PRIMARY reason my credit card use is high is a direct result of my brothers passing. I had over XXXX trips XXXX XXXX XXXX to XXXX to assist in my brothers care fighting XXXX. It was almost 2 years taking care of him, until his death. 

My airline costs alone was well over {$10000.00}. Added to that, I had rental cars, airport parking, food for my brothers family, cash advances, and other miscellaneous expenses. 

Additionally, I had to pay legal fees to straighten out my brothers legal issues, and around {$3000.00} in funeral expenses. 

So yes, I had a huge demand on my credit cards, but I also did n't have a choice.
If this is not removed from my credit I will be suing them for violation of the XXXX. I have never done business with midwest recovery for XXXX flags and never received any notices. They have put a collection on all XXXX of my credit bureus. I request this to be removed immediately.
I want to link my credit card to my bank account, for reward purposes and capital one prompts that I can not use this with an outside application.
This is what Equifax sent me.. Dear XXXX XXXX XXXX : Below are the results of your reinvestigation request and, as applicable, any revisions to your credit file. If you have additional questions regarding the reinvestigated items, please contact the source of that information directly. You may also contact Equifax regarding the specific information contained within this letter or report within the next 60 days by visiting us at XXXX or by calling a Customer Representative at XXXX from XXXX XXXX We have researched the credit account. Account # XXXX The results are : This item has been deleted from the credit file. If you have Please note this is still on my account in the amount of XXXX dollars with a other company called XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX In the amount of XXXX dollars ALERT ( s ) : Fraud Alert. 
Your fraud alert Auto Renewal is ON. Fraud Alert Expiration Date : XX/XX/2016 And I am not able to Lock my Credit Report as Equifax said with my ID Patrol ( R ) Premier account This is my complaint Thank You XXXX XXXX
Hello : This is the second time I've had a problem with Citibank not registering a payment. I pay over the minimum due and they take the money but the minimum due remains. The second time I paid {$350.00} on XX/XX/19. Over twice the minimum. The minimum was about {$140.00}. The payment was taken and didn't reflect on the required minimum payment. I called about 2 days later and explained it to them what happened and I was told that the payment would be credited and reposted on XX/XX/19. Citibank deducted another {$350.00} on XX/XX/19 from my checking account. And never cancelled the original payment. Leaving me with duplicate {$350.00} payments. Now they think it's acceptable for me to wait 3-4 business days for money they shouldn't have taken from my checking account in the first place. This is the second time this has happened to me with Citibank. The first time I just made a second payment. 
I typed this while being on hold for a manager and was now told that there is no manager on duty and one would call. 
Thank you, XXXX
I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. Once I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the A check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report. 
XXXX
Citi bank credit card keeps calling for a XXXX and u have told them they have ththe wrong phone number. HAve been calling since XXXX XXXX. I auto rejected them but enough is enough.
I have XXXX late payment with this account. My brother passed away and I was emotionally not stable. I called the credit card company to ask them to remove the late payment, but they would n't. I have never been late except for this one time.
Hsbc informed me that they sent encrypted and password protected disks which included, which included all of my personal information of me and my co-signer XXXX XXXX XXXX to an unauthorized commercial third party. My identity has just been stolen and XXXX of dollars were withdrawn out of XXXX of my debit cards. i called and complained to Hsbc and all they do is put me on hold and never return. All their offering is a bogus identity guard protection after the fact. I attempted to apply for this guard abd its too complicated abd their requesting many documents to be sent to them in order to activate me its too complicated and time consuming. Can you help me i fear that i may lose every thing because of their negligence.
There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}
They contacted my Grandmother and my Mother and stated that I had a Warrant out for my arrest for a felony bounced check. They verified doing this with my Grandmother upon me calling them, the representatives identified themselves as XXXX and Investigator XXXX with the XXXX XXXX XXXX for the State of Texas. The told me that they will be contacting XXXX XXXX and my XXXX XXXX over a debt held with Check and Go somewhere around 3 years ago in 2013.
On or about XX/XX/2018 I sent the attached letter ( Conn 's 623 letter ) to Conn 's detailing inaccuracies they are reporting to XXXX, XXXX, and XXXX. Under section 623. ( a ) ( 8 ) of FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but Conn 's is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case Conn 's was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.
I submitted a dispute with Interstate Credit Collections concerning a charge from XXXX XXXX XXXX. Interstate Credit Collections stated that the debt was valid, but would not provide proof of the debt. They also did not verify the debt through the original creditor but a third party billing company XXXX XXXX and XXXX who have no knowledge of the actual debt.
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted Chase, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX  XXXX XXXX Date Opened>>>> XX/XX/2017
I submitted the proper documentation to Experian to begin the Investigation, I actually submitted to them ( Experian ) the paper work on 2 different occasions because I felt like I did n't receive the proper results ( an answer ). They stated that my results came back verified and I did n't receive any documentation that stated that they were verified. I actually sent the same letters to XXXX and the Information was removed/ Deleted. 
The XXXX account were : XXXX Acct # XXXX XXXX. Acct # XXXX Attached is the results from XXXX results for the XXXX accounts listed above.
I used my card for a hold downpayment in XXXX to XXXX XXXX. XXXX XXXX The purchase never was made. The card was charged 3 times for {$500.00} Chase card services is fradulent I believe i have submitted a complaint before For a while the balance on the card was {$0.00} Now it is {$500.00} please assist in this matter The card was charged 3 times, XXXX refunds were issued.
This is the 'second ' year this has happened. Wells Fargo Dealership Services, misappropriates my auto loan payments. I had to file a Complaint under the Consumer Finance Protection Act last year in order to get Wells Fargo Dealer Services to correct their error, which they finally did. I prepay my auto loan once a year, sending 12 month payments in advance, with a letter instructing Wells Fargo Dealership Services that these are '12 prepayments '. Wells Fargo Dealership Services ignores my request, applies my payment to principal reduction and expects monthly payments to continue. Their prior explanation is that their computer system can not accept/document auto loan prepayments, which is totally noncredible in today 's computer age. I believe they intentionally misappropriate payments in order to set the borrower up to default under the auto loan, so they can collect 'future ' late charges and penalties. My understanding is that Wells Fargo has been sanctioned by the Federal Reserve as it relates to abusive auto loan practices including poor governance, poor compliance and poor risk management. This year, I sent another letter to Wells Fargo Dealership Services with specific written instructions that I was sending'12 prepayments ' and reminding them that I had to file a complaint under the Consumer Finance Protection Act last year to get this rectified. They did it again this year, and misappropriated my payment applying the payment to principal. I called Wells Fargo Dealership Services to get this corrected, talked with two different people including the Office of the President, and the best they could do was have this investigated. In today 's computer age, ever other lender I deal with can pull up a customer profile, payment history and payments made in a matter of seconds. They were not able to do this and not able to resolve my complaint. Hence, I have filed this Complaint. The consumer should not have to go through this XXXX process just to make a payment in advance. If Wells Fargo Dealership Services is not an abusive auto lender, then it is certainly incompetent as it relates to management of its auto loans. I believe Wells Fargo Dealership Services just simply does not care about the consumer.
I was contacted by Ceder Financial stating that I owed the XXXX University money. First I requested proof of that debt because I didnt believe it was as much as they claimed it took several calls before that information was provided. I offered to pay {$50.00} a month towards the debt but they have refused that amount. They requested that I completed a XXXX page asset background form and pay {$250.00} upfront payment to keep the collection off my credit report. I have told them several times that I cant afford it but they still are asking me to pay {$250.00} upfront and XXXX a month for 6 months and then the amount will be increased to XXXX They have also threatened to take my federal tax return. I explained to them that I work for a non-profit company and i am also paying back student loans. I dont know that they can refuse the payment I have offered due to my tight budget. I was going to borrow the money but it would put me in a bad situation.
I submitted a request for loss mitigation to review for options. I want to keep my home. I send Wells Fargo Home Mortgage an complete application on XX/XX/XXXX. I called to check the status of my case on XX/XX/XXXX. I spoke with XXXX # XXXX at Well Fargo Home Mortgage. He informed that they did not open a review. He stated there is a Sale Date on my home for XX/XX/XXXX.
I open up an Bb & t account online for my social sercuity deposit sand get misled by BB & T Bb & t sends me documents US mail and via email regarding my account opening and debit card that I never receive than tell me on the phone that it was never issue in the first place ( my debit card ) I was told to step into a branch via telephone onXX/XX/2018 for additional information after 2 weeks of opening my account which I was never informed in the first place until now ( reguarding new information to sign ( known as a signergure card ) after my account been open I requested XXXX accommodations within this public facilitiy due to the fact I am XXXX   to an XXXX XXXX, XXXX XXXX and can not get up there and can the send it US MAIL. They refused Bb & t customer services My account was open than Bb & t refused to send my debit card after giving me written email that it was order and I shall receive it within 3-5 days but never did Bb & t is now interfering to not send me my debit card noting I need it for my living expenses etal ... ...