WillisBack/dataset-financial-user-claim huggingface dataset:
I was XXXX with XXXX XXXX in XXXX XXXX and subsequently had XXXX XXXX XXXX. I am a XXXX veteran, and my XXXX was paid for by the XXXX XXXX. Although I am a XXXX resident, I receive medical treatment at XXXX XXXX XXXX XXXX XXXX in XXXXXXXX. 

Understandably, many of my providers sent their claims to a XXXX, XXXX XXXX XXXX, and the claims were denied because I am not a part of their sytem. However, I contacted those providers by phone and/or written communication to provide them the name and telephone number the claims needed to be faxed to. 

XXXX XXXX XXXX XXXX XXXX was XXXX of the providers I called and wrote letters to explaining the proper procedures they needed to follow in order to receive payment. Despite my efforts, they did not follow through. This debt was placed with collection agencies and are reported on my credit report. Because of my illness, I have not been able to meet my financial obligations, but am now trying to resolve these issues. 

Since learning of this problem with my credit report, I contacted in writing the collection agency that has this debt and explained the problem. They never responded to my letters. I have disputed the debt with all XXXX major credit bureaus, but the debt still remains on my report. 

I have spent considerable time trying to resolve this matter ; making calls, writing letters, researching resources. After contacting XXXX XXXX XXXX XXXX XXXX by letter, I received a phone call from XXXX XXXX. XXXX XXXX informed me the XXXX still stands ready to pay this bill. Authorization remains in force and payment will be made as soon as the original claim is sent to her. 

I again spent several hours over the course of the past two days trying to reach someone at XXXX to provide them the contact information for XXXX XXXX. I left a message to have them return my call, but have not heard from them to date. 

I believe this debt should be removed from my credit report based on the above information. The XXXX XXXX from the very beginning was the responsible party for this debt. All other service providers who properly filed their claims have been paid by the XXXX. This erroneously reported information negatively affects my overall credit score, and I am working very hard to resolve my financial situation. 

I had to retire from my position with XXXX XXXX XXXX after my XXXX and am now XXXX. 

I spoke with an account representative at CMRE Financial Services yesterday and was told the original debtor has put their collection efforts on hold while they investigate the claim. I called XXXX yesterday as well, but noone has returned my call as of yet. 

I believe I have done everything possible to resolve this situation with the parties involved, with no resolution. Please investigate this matter. You can contact XXXX XXXX at XXXX XXXX XXXX XXXX to verify that the XXXX is responsible for this debt, and that it will be paid as soon as she receives the original claim. 

I can be reached at XXXX XXXX XXXX XXXX any time. 
Respectfully, XXXX " XXXX '' XXXX XXXX
I applied for this payday loan in XXXX of 2014. I borrowed XXXX. At least I thought this was a payday loan. I told them I received my pension on the first of each month. I have been paying XXXX a month for an entire year. So far I have paid XXXX dollars on this loan with only XXXX going towards paying off the loan. I did not know this when I took out the loan. I am on a fixed income right now and this is destroying me.
Equifax , Inc. never thoroughly investigated my compliant under the FCRA & FDCPA. 
-- -- -- -- -- -- -- Equifax , Inc. continues to report XXXX on my credit file even after I provided verifiable evidence ( see attachment ) of XXXX deliberately responding to my certified debt validation 30 days after the time period allowed for creditors to respond. 
-- -- -- -- -- -- -- On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.
I recently started to monitor my credit using XXXX which works with XXXX. This is when I noticed multiple credit inquiries that I did not apply for. The inquiries are from the following banks XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These FRAUD inquiries are reporting on Transunion and XXXX. I have contacted BOTH bureaus to start an investigation and i have sent in all documentation.
Dear Sir/Madam, After reviewing this document : XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.
In XXXX 2015 my wife and I began VA refinancing procedures with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The loan was approved and we signed papers on XXXX XXXX, 2015, on XXXX XXXX, 2015 the loan was transferred to Green Tree. The refinance papers showed that XXXX months worth of escrow was held to pay for property taxes due on XXXX XXXX, 2015. 
On XXXX XXXX, 2015 I received notice from the XXXX County Treasurer that we were delinquent in paying property taxes. On XXXX XXXX, 2015 I called an agent with XXXX XXXX and was told they would look into the matter, and she confirmed that there was XXXX months worth of monies withheld to pay property taxes, I also emailed her a copy of the tax statement. On XXXX XXXX, 2015 I again called the rep. from XXXX XXXX and had to leave a voice mail, since I did n't receive a call back, on XXXX XXXX, 2015 I called and talked to another rep, and he told me I would have to call Green Tree. I did call the tax division at Green Tree and advised what the problem was and she told me it would take XXXX days to look into the matter and another XXXX days for a decision to be made, I told the lady this was not acceptable and asked her XXXX to talk to a supervisor and she told me no both times, On XXXX XXXX, 2015 I tried to make a written complaint to Green Tree, but with the subject heading Complaint in was rejected and I was instructed to call Customer Service, I was finally able to get the email to go through by putting a different heading for subject matter, today I got a return answer that the matter was being looked into and it would take XXXX days from the date of my notice to them to reach a decision, well past the date of XXXX XXXX, 2015 when XXXX County said a lien would be placed on the property.
On XX/XX/2018 I disputed a negative collection being reported by Diversified Consultant on my credit files with XXXX, XXXX  and XXXX. All of the credit bureaus responded back saying the information they are reporting was verified but they sent me no prrof of the verification or validity. I have no knowledge of this collection nor have I ever had an XXXX XXXX XXXX account whom Diversified Consultants are collecting for. I have never receive any debt notices nor have I received any paper work with signatures validating the validity of this collection account. I would like the negative information to be removed from all my credit files
I have been dealing with transunion for over a year and they have not looked into the things thats on my credit report at all I have sent multiple letters and it comes back verified they have not explained to me where they furnish the informations from involving a bankruptcy.
XXXX XXXX is not licensed to collect in my state. I am requesting that they be removed from all three credit bureaus.
I've been working with XXXX XXXX XXXX since XX/XX/XXXX requesting a mortgage modification. I've faxed the modification request and financials to the mortgage company. While the modification request is in processing there is a property foreclosure sale date set for XX/XX/XXXX. I don't want to loose my home
I have previously filed against Wells Fargo over this same thing. They have again claimed that I gave my ex permission to charge things to my account after not only removing him, but calling the police on him for stealing from me. I want a detailed explanation of how they are arriving at this ( or honestly if they are just making this up because I did not give him permission at all ). Furthermore, they admit to issuing multiple cards for the account. One I knew about ( I have or had it, and that's fine ). Another was given to him without me knowing about it, and that's the issue here. It either shouldn't have been given to him or deactivated the moment I called in and told them to revoke everything ( yes, including any loose cards they gave him, but they failed to ). They had already failed to stop him from withdrawing money from my account and changing contact information to prevent me from discovering his fraud / filing against his fraud until relatively late. They are even preventing me from getting statements from 2 accounts that he opened in my name even though that's against Social Security 's rules ( federal rules ). However, the statements are less of a problem than them ignoring that he did not have permission to mess with my accounts at the time in question and there's multiple court orders here about how they aren't supposed to be charging me for his debts. So let 's start with a real, detailed explanation from them of how they arriving at this conclusion so that I can figure out what they are misunderstanding or if they are just lying because they feel that they can more easily squeeze money out of me than out of the actual person who is responsible. If that doesn't clear it up, then it will be about 2 months ( I believe ) before I can serve. Thanks.
I applied for and received a  Barclay Cash Master Card i n or around   XXXX   XXXX  . I have a {$20000.00} credit balance approval. On   XXXX   XXXX   XXXX   I purchased a new automobile and charged {$5000.00} of this purchase on my  Barclay Cash Master Card. It was rejected. I called immedia tely from the dealership to  Barclay Master Card ... .... Barclay Master Card stated that I have been issued a new   card and the  one th at I attempted to use is not valid. I have only had this card for approximatel y five mon ths. I informed the  Barclay Master Card pho ne representative that I have never received a new card nor have I been notified that a new card had been issued to me. I was told by this Representative that the card I have in my possession was not valid. That terminated our conversation. I then used another credit card and my {$5000.00} was accepted The following day I called to make a complaint at  Barclay Cash Master Card.  My phone call was transmitted to a representative regarding my complaint. I explained the above situation to her. She informed me that when I placed my credit card from  Barclay Cash Master Card into the machine to charge my account,, the dealership did   not " follow through '' correctly.. I informed her that I did call on Friday   XXXX   XXXX   and I received a different explanation.. Her only response was that they have a record that I called.
I opened a keybank bank account with the confirmation from an employee who guaranteed me he entered some code to get me the {$300.00} bonus for account opening and assured me that I should get it if I meet all the conditions. Even after 90 days and meeting conditions way before time, I never received the bonus. One of the things they advertise and do not honor is fraud and I wanted to bring it to federal attention, how keybank rips people off.
I know that I am victim of student loan scam. 
Right after I lost my job, I started getting calls asking me " Do you have federal student loans? ". On or around XXXX XXXX, 2015, I answered desperate after I had used all of my deferment months with XXXX XXXX loan servicer. I was speaking with XXXX XXXX from the company XXXX XXXX ( see attached ). I thought that her pitch seemed like a scam but she kept telling me how much this program would save me. As a XXXX who works XXXX, I am eligible for XXXX XXXX XXXX XXXX XXXX so I thought that this was only way to sign up. I told her that I had I heard of this program but was unsure how to access it. Since I was in such a vulnerable and panicked place, everything was in collections because I had just been laid off from my job after 15 years. 
So, I began the process of signing up for the forgiveness program with XXXX so that my loans would be forgiven in ten years. For this service, XXXX told me that they would charge me {$39.00} dollars a month on top of my federal student loan payments. I agreed and when I reviewed the contract, I called them back because they were going to charge me {$1300.00} for this service. I called them back and they said that this {$1300.00} was an upfront fee for this service and that the {$39.00} dollars would be the monthly fee once it was broken up over time. Since I was desperate and did n't know that I could sign up for the public service loan forgiveness program on my own, I agreed. I kept asked her is n't this program free? The representative convinced me that the program was not free to sign up for and that I would be lost in the paperwork to sign-up on my own. I reluctantly agreed to sign up with XXXX and signed the contract on XXXX XXXX, 2015 ( see attached ). They then transferred me to another person who took my information for automatic payments. 
I made my first payment of {$39.00} on XXXX/XXXX/2015 to Equitable Acceptance Corporation. Many months went by and then I attended a Student Loan workshop on the XXXX program at XXXX XXXX XXXX XXXX. I realized at this workshop that I had been scammed. I reached out to a financial coach at the XXXX XXXX XXXX XXXX and she helped me understand the scam and we started finding out the details of what I had fell victim too. I found out that I had a loan for the services from XXXX XXXX XXXX for {$1300.00} that was sent to Equitable Acceptance Corporation ( EAC ). When I called EAC, they said they had no knowledge the money was for and they did not know who XXXX was. Also, that if I stopped paying them, it would adversely affect my credit. I have been paying EAC {$39.00} every month for over a year. The {$1300.00} of the original service had an interest rate of 20.03 %. I am exhausted and furious that this has happened to me when I was at my lowest. Since doing substantial research I have found that the CFPB has helped people like me and gone after these scammers. I hope that the CFPB is already investigating these companies and that they will be brought to justice.
inaccurate information being reported via chex systems, no knowledge of accounts XXXX XXXX XXXX XXXX provided chex systems PO REPORT and FTC report.
I recently received a collection noltice from Immediate Credit Recovery Incorporated saying that I owe {$1200.00} for a previous student loan debt. I'm currently paying my student loans every month and I have never heard of this bill. I disputed the claim with the collection agency asking them to validate this information with a signed contract from me. They did not send me a signed contract. They sent me a bill claiming I owe. This bill doesn't prove anything. I still don't see where I owe this agency anything. They are not following the law by sending me a signed contract with my name on it proving that this debt is mine.
My wife and I have A XXXX credit card ... .my wife ordered a shirt from the store @ XXXX XXXX XXXX store.The shirt arrived was great when she got the bill she called the store @ XXXX and paid the bill over the phone in full ... .the next month she got a bill that stated that the XXXX payment was returned because she paid with a debit card ... ..How was she to know that the charge payment was returned. When she called she was told that they do not accept debit cards over the phone???? Will accept in store so we got a XXXX dollar charge for returned payment and XXXX charge for late payment ... ... .if we were not in our XXXX 's they would not be taking such advantage of us We paid our bill in good faith ..was pleanty of funds ... we were never told that the payment was not accepted till it was too late. Not fair!
Ally continues to call me at my place of employment looking for my spouse. I have informed them from the first call that this is the incorrect number, this is my POE and to remove the number from being called, yet calls continue. I have been called 3 times on XXXX XXXX,4 times on XXXX XXXX.
Starting XXXX XXXX, 2015 RUSHCARD prepaid services notified me saying they are updating the rushcard system from XXXX so that means no access to my funds. After XXXX XXXX XXXX I got a text messages stating that rushcard extended the maintenance until XXXX. I tried using my rushcard at the ATM that night and the ATM did not recognize my card. I called rushcard the next morning and the customer service representative could n't tell when I can use my funds again. I 'm nervous about the situation because I can lose my money I work hard for. I 'm so depressed I ca n't my bills that upcoming I do n't know what to do? It 's been three long days without my money. If you search rushcard on XXXX alot of people are suffering without their funds. I feel like XXXX XXXX does not care and his company is not telling customers the truth about what HAPPENED to our money. Please help meSincerely, XXXX XXXX
The company that has been attempting to collect a debt of {$98.00} from me is called IC System. Their website is www.icsystem.com and they are attempting to collect this debt as an agent for XXXX, the phone company. The debt is under a different name than mine, I have never had a XXXX account, and I 've told them this several times. They even reported it to the credit bureau and it was added to my credit report. I contacted the credit bureau and they removed the debt from my credit report as it is not under my name. Somehow they have it tied to my social security number and are again contacting me via phone and mail threatening to report it to the credit bureau again. I just called the company and spoke to XXXX XXXX ( supervised by XXXX XXXX ) who told me that they would continue to report it to the credit bureau and would not remove my social security number from the debt. He recommended that I keep disputing it every time they report it to the credit bureau and said that was my only option of recourse. That simply can not be true. Any help/advice would be greatly appreciated. 

Thanks.
XXXX ( dba.XXXX XXXX ) added an escrow account to my mortgage payment and reported it 30 days late in XX/XX/XXXX. They acknowledged this was done in error and failed to correct my credit to positive status for over 7 months. They also reported my account 30 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, even while accepting my payments and providing written documentation that the negative reporting was their error. They also provided written documentation that the account was never late and should have been updated with the credit agencies. As of XXXX, XXXX XXXX, my credit score is still under 650 because of the late payments reported over the last 7 months and I have documentation of 11 attempts to correct this via email, mail and phone calls. I have also hired a lawyer to work on my behalf. I have suffered severe financial loss due to these errors and the length of time that my credit score has been damaged. There is no explanation for the 7 months of delays is correcting the errors in my credit reporting and I would like the CFPB to investigate this case and hold XXXX responsible for it's gross negligence. I hope this case will be used as an example of how mortgage services can destroy innocent victims credit and cause innumerable levels of stress and financial damage. There needs to be better credit correction oversight of mortgage services in the future to prevent this from happening again.
I sent a certified letter dated XX/XX/XXXX to the collection agency New World Collections which they signed for on XX/XX/XXXX to Validate, Dispute, Cease and Desist. They responded with a letter dated XX/XX/XXXX with copies of my itemized medical bill with what I was treated for, the date and how much. Not only did they violate HIPPA privacy laws they also failed to provide me with the original contract bearing my signature that states I owe New Worlds Collections the alleged amount owed. I replied again with another certified letter dated XX/XX/XXXX which again they signed for on XX/XX/XXXX. They failed to reply back and have filed a law suit to garnish my wages. I found out I was being taken to court through a commercial lawyer letter dated XX/XX/XXXX. I have kept a very detailed file that will show our communication back and fourth. They also have the creditors address listed as my old residence.
In XX/XX/XXXX my grandfather took out a loan to pay for my education at XXXX XXXX XXXX XXXX. I did not sign any loan documents. In XX/XX/XXXXmy grandfather passed away. I supplied Sallie Mae with a death certificate. I began getting multiple calls daily even after speaking with a rep. They constantly harass me to pay a loan I did not take out. They claim my name is on the debt, but have not provided me with proof. They told me I could not get federal aid unless I paid on this loan. I began making payments so I could continue receiving federal aid. When I found out this was a lie, I stopped paying on this loan. They apparently rewrote the loan in my own name without my permission or signature. In XX/XX/XXXXthey began calling me multiple times each day rarely leaving a message with what appears to be their intent to annoy/harass me. I have had to block several of their numbers. They then threatened me with a lawsuit several times. After those threats they sent me a letter that they would forgive a part of the debt and send me a XXXX XXXX. I never signed this form, but they reduced the debt anyway. They contacted me at my place of employment. After advising to never call me on that number again she continued to harass me. I tried to log in to their website, but my user name no longer matches my SSN or birthday. I have been deceived and lied to by Sallie Mae, now Navient, and continue to be harassed about a loan I never took out. They have ruined my credit for a loan that is not mine.
The XXXX mortgages below attached to the title of XXXX XXXX XXXX XXXX, XXXX, md XXXX, were never erased from the title. We have been working to get the title cleared for 3 months with no success. Please help. 
1 XXXX Ocwen $ XXXX opened XX/XX/XXXXWas originally XXXX assigned to gmac XXXX XXXX XXXX XXXX XXXX bank to XXXX bank ( purchased by XXXX XXXX XXXX {$63000.00}. XX/XX/XXXX. We got a response from XXXX XXXX on XXXX. They ca n't find it.
Original Creditor : XXXX XXXX XXXX ( collection agency- Central Control Financial ) I recieved a call from this agency -- They advised the debt was for my XXXX year old daught but, my name was on the insurance card that she used. Therefore, the company put it on my credit report, I never signed anything or had knowledge of any visited to this agency. However, my daughter has insurance through social security with medicated and it should have been charged. I am not responsible for her bills -- secondly, i found out through the credit report and they called from my report.. I did not have any insurance under my daughter in 2015 but, I am a victim of Identity fraud and furthmore, my daughter lives in XXXX County..
Purchase Protection damaged or stolen i got mugged  at gun  point and was denied because i was mugged in my car ... the item was in my pocket.. this is a fraud service.. they change the reason 3 times on me ...