WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX. Is attempting to collect a medical debt that originates from XXXX XXXX XXXXXXXX XXXX in the amount of {$440.00} from XX/XX/2017 that I do not owe because I had medical insurance through XXXX/Medicaid and it is highly impacting my credit and has been for some time now. I want it removed in full from my credit immediately and the status of the debt changed to paid in full immediately. I will prove I have/had insurance by attaching a current copy of my medical card. I had insurance at that time and I know this was paid for by my insurance so I want this matter resolved quickly
Comerica Bank charged me {$6.00} for Bank On-Line fees in error. They only credited me {$13.00} even though they over charged me for over 2 years!
I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my of my Risk View Disclosure report for my own review. 
My name is XXXX XXXX XXXX my current Employer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am not aware of a credit charge from First Federal Credit Control. 

This reflect an original creditor of XXXX of XXXX Florida in the amount of {$210.00}. The open date XXXX XXXX, 2014. I am disputing this charge as i have no knowledge of this charge. Please assist. 

Thank you.
My mortgage with Loancare ( billpay alias " XXXX XXXX '' ) was paid in full on XXXX/XXXX/XXXX ( attached ). Loancare issued a check for my escrow balance on XXXX/XXXX/XXXX ( attached ). I mistakenly forgot to turn off my bank 's auto-pay for the mortgage and payment of XXXX was made to Loancare from my XXXX XXXX bank account, delivered electronically on XXXX/XXXX/XXXX ( attached ). I called the customer service line on XXXX/XXXX/XXXX to request a refund and the customer service agent said that because my loan was paid off, they had no record of the payment on my account and told me I would I have to send proof of payment to Loancare at XXXXXXXXXXXX. Later on XXXX/XXXX/XXXX, I provided, to the indicated email address, my billpay electronic delivery receipt along with my loan and contact information ( attached ) and Loancare auto-responded acknowledging my request and assigning it a reference/ticket number. ( attached ) On XXXX/XXXX/XXXX, Loancare deemed my proof of payment insufficient, requested my bank statement, and closed my request as " resolved. '' ( attached ) Based on the information I provided to them, and the fact that there has never been an issue matching my XXXX bill-payments to my mortgage account, I believe Loancare has sufficient information to locate and identify my errant over-payment and is stonewalling to hold my funds for as long as possible.
We purchased our home on XX/XX/XXXX, 2015. We opted to set up an impound account. It seems Academy Mortgage, XXXX XXXX XXXX XXXX, NJ XXXX, was unable to accurately figure out the taxes that should have been made for this home. They based their figures on the sellers original purchase price not the purchase price we paid for the home. They sold the loan approximately 18 months later and still at that time had not figured out they were not collecting enough for the county taxes. They told me it was my responsibility to figure that out. I thought that is what they are being paid for to figure this type of thing out. So now they managed to completely eat up my reserve account, the new lender was able to figure this out almost immediately and it is now costing me {$300.00} more a month to fix their computing errors. I do not understand why it is so difficult to figure out 1 % of a purchase price for county taxes. It seems fairly straight forward and simple. I was able to figure out what the impound account should have been within less than a minute. If these people are being paid to competently secure a home mortgage it seems they should at the very least be able to compute basic math and understand how county property taxes work. We are fortunate that is n't going to be a total hardship for us, but it could make a huge difference for other home buyers. I have purchased six homes in the past and have never had this sort of issue with a lender. It is completely unacceptable business practices and they really need to be investigated for their lack of competence. <P/>As an additional concern was they were not able to pay my tow insurers either. I had to pay the flood insurance myself, because they managed to not send the payment to them either. This mortgage lender needs some retraining to service loans correctly and manage impound accounts.
hello my name is XXXX i bought a car from a buy here pay here dealership. they sold me a used car with many mechanical problems. without me even knowing they sold my account to another financial loan company. This company has made my life XXXX literally from the moment i started receiving bills in the mail i was in shock i didnt know who they were. so when my vehicle started giving me major problems after making {$280.00} payment i called the company and told her i didnt want the car no more that i wanted to surrender it even though i knew it was going to hurt my credit. the lady said i couldnt that i knew it was used and that i was still responsible for the account basically she didnt care about my opinion or my feelings as a customer, or about my situation. i paid a mechanic to fix it and within a few weeks again it breaks down on me. this was really bothering me i couldnt pay insurance, pay car payments and pay repairs on top of all my extra bills. i called the lady again and explained to her again i wanted to surrender my vehicle. i couldnt afford paying all this money for something that was going to keep breaking down on me. she said no. she said if i would do that that the towing truck costs was going to be added to my account. and that the vehicle was probably going to be auctioned for {$500.00}. so basically this {$3200.00} car was being given away for free. i had tears after i hanged up with her. how can they make you keep making payments when you are telling them you do not want it anymore. i stopped making payments. i took insurance, and plates off. the vehicle was parked for over a month without being used. they kept calling and calling me threatening me with wage garnishments, taking me to court if i wouldnt make a payment. i told them please wait, please be patient with me, and to please just come and get the car. the lady insisted i sell the car. and then they would deside if they would give buyer the title. this has made me so stressed out. i feel scared of answering the phone. im scared to go to court. i cant believe theres companies out there who give XXXX cents for their customers. its hard making payments on time especially when im a mom of XXXX children. i want to sue these people. file a complaint XXXX for threatening me and doing things that they said they were going to do and didnt do. i feel this shouldnt happen to anyone ever. please help. please help!!!!!!! yesterday XXXX my car was towed away for not having insurance or plates. on top of this i have received many many calls from the company today they dont care about anything or anybody. they even hanged up on me. i dont want to keep dealing with these rude ignorant women. they should be the ones paying the towing truck company for not listening to me. for not putting their customers needs XXXX before theirs. us as customers are the reason why they have a job and a paycheck. please help ... i want to get this to the highest level there is. i want a judge to listen to me.
I were given a loan issued through wells fargo dealer services from the auto dealer I bought a car from. Not in the complaint but another issue the dealer decided to check XXXX banks for credit without our approval, which made our credit score go down. Anyways, I wanted to pay the loan off. Normally at other banks I have been with including XXXX allowed us to pay online or by phone via an ACH debit with our bank routing and account numbers. for example at XXXX I made an ach payment for {$15000.00} with no issue. However, what I learned was that Wells Fargo Dealer Services has instituted a limit of {$4900.00} on ACH payments per day, and that the only way you can pay even that amount is by paying a {$20.00} fee, since you need to speak with someone to do it. We just wanted to pay off our entire loan which was about {$17000.00}. Despite over 30 minutes on the phone trying to get a solution to not have to pay additional fees or interest, and just pay with the ACH for XXXX I was unsuccessful. No where in the loan documents or disclosures I was given explained that I was only able to pay XXXX at a time by providing my banking information for ACH debit. Despite this they would not let me pay this way. They did offer a wire transfer option that would have cost me {$20.00} at my bank, since they charge a fee for that. They also would allow me to send a check in which would take a few days, and thus accrue additional interest while the check was in the mail. Essentially, the unfriendly wells fargo policy was essentially causing me to pay additional fees that were not disclosed within the TIL. Despite the fact that the TIL says I could pay my loan off in full without prepayment penalties, Wells Fargo limited my options to options that would cause a fee ( Wire, or additional interest until they accepted the payment via mail ). I am very disappointed that despite wells fargo offering a direct debit ACH payment without fees or added costs, they would not actually accept my payment since I wanted to pay more than an arbitrary number that they set as a limit, and did n't notify me about when I got the loan.
Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities  claim. 

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Equifax is not blocking accounts on my credit report which are fraudulent. I have submitted a FTC fraud report to them, sent an affidavit which the bank requested & sent them numerous letters which demonstrated I was the victim of identity theft. Equifax continues to not comply with FCRA & I believe are willfully noncomplying. There are numerous XXXX accounts reported to my credit report which are fraud & I'd like them removed. The bank has already discharged these accounts internally so I have no idea how they claim they're being verified ... I need these accounts removed from my account at once ...
I am an XXXX citizen, and I have a complaint relating to Coinbase. 
The problem started when I decided to withdrew my money, XXXX euro. It was on XX/XX/XXXX. I paid a fee of XXXX euro, so I have to receive XXXX euro via XXXX transfer. On XX/XX/XXXX, they put my withdrawal on " Pending '', and I did n't received my money. I asked them information on XX/XX/XXXX, and I received only an helpless computer answer. I wrote again to ask information on XX/XX/XXXX and XX/XX/XXXX, without answers. Today XX/XX/XXXX, I fear I am loosing my money so I 'm searching for help
I have sent 3 certified letters to XXXX, XXXX, and transuion regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. XXXX, XXXX, and transuion is reporting inaccurate information regarding this account. This is a violation of the FCRA law.
I took out a signature loan with " Citi Financial '' in XXXX. I had trouble paying back this debt when the economy was in a down spiral. CitiFinancial after so long of not being able to pay had retained an attorney XXXX XXXX XXXX in XXXX Georgia. Afterwards XXXX XXXX XXXX attorney at law had drained my bank account to the negative of checking and savings tour around negative {$23000.00}. This was on a loan that was paid down to. {$8700.00}. Not only that XXXX my tax returns were confiscated 4 for over {$3500.00} each for two years. I paid payments to XXXX XXXX XXXX for the remaining balance. I got a check returned to me that at the bottom said " refund on closed account ( no hold ) ''. I was no longer contacted by anyone else on this matter because the debt was paid in full. Now it is XXXX of XXXX and on my credit it shows that I owe {$11000.00}. The debt was never wiped clean off my credit and I still have a judgement against me after debt was paid.
Credit card account with Sears issued by Citibank was wrongly reported as a charge off to the credit bureaus after being closed by Citibank. Account received monthly payments as required but reported after due date and without notifying any late payment, past due balance or any contact for orientation account was closed affecting my credit. After closing account the balance was paid in full in XX/XX/XXXX, in my XXXX credit report is reporting as it was closed on that date XX/XX/XXXX affecting more my credit score because the account was closed on XX/XX/XXXX. Account was opened on XX/XX/XXXX and closed in XX/XX/XXXX
They have called my work place HR Dept and tried to get my SS # and threaten to garnish my wage. If they garnish my wage I could lose my job.
This company is contacting me as the result of a conflict between a company I owned and  XXXX   XXXX   XXXX . I have complaints about this issue with both the FTC and FCC yet this company has the audacity to try and collect on a debt that does not exist because  XXXX   XXXX   XXXX  broke their contract with me and violated the false advertisement law. If the collection company wants to stay involved with this issue after reading the statement I sent to the FCC and FTC then I have a lawyer that would love to talk to them.
My house is scheduled to be auctioned off on XX/XX/XXXX. I tried my best to get a Loan Modification for over 7 Years. It was a marathon effort starting way back in XX/XX/XXXX, with the servicer - XXXX. I submitted tons of documents and XXXX kept on rejecting the Modification for one frivolous reason or the other. I was in fact asked to take the other Loss Mitigation option - Short Sale Now the new Servicer is " Specialized Loan Servicing '' ( SPS ). I have submitted a complete Short Sale Package and requested SLS to postpone the auction and allow time for the Short Sale to be processed. However they are not willing to do that. Hence this request through your good selves, so that I can avoid the Foreclosure stigma in my life and my credit report.
I was given two days to leave an apartment complex only owing a couple hundreds dollars and now it is listed on my credit file for $ XXXX. This is crazy, I requested the apartment complex give me a break down and nothing ever was received. I was more than willing to pay what I owed which was a couple hundred dollars. Please help
Since XXXX 2017 my record with Citi Bank Corp. reflects that I am XXXX and closed my Sears card on Saturday XX/XX/XXXX I was informed in the Sears store of XXXX XXXX XXXX in XXXX XXXX XXXX XXXX that the system had rejected my card, To investigate today X/XX/2017 I call to the CitiBank and they informed me that its records showed that I had XXXX. I Investigate with the SS and with XXXX and in none this information appears. Citi Bank refuses to fix the error and demand a letter from the SS office. I am a XXXX veteran with a catastrophic condition and it is very difficult for me to go to the SS office. Citibank persists in keeping this false information in its files, which can hurt me in other financial and personal matters. I hope you can help me with this matter. Thank you
Dear XXXX, Acc # XXXX We are writing this letter to report XXXX. On XX/XX/XXXX, XXXX cancelled his account with XXXX to start with a different carrier. The XXXX plan was a family plan that included XXXX family member XXXX XXXX contacted XXXX to take over the plan from XXXX, this was to retain her phone numbers and any cell devices. XX/XX/XXXX, XXXX and XXXX contacted XXXX to ensure all changes were final and nothing else was required. XXXX confirmed all changes were made and all amounts have been paid. 

Late XXXX, XXXX received a debt collection notice from Convergent claiming an unpaid debt of {$570.00}. We have contacted XXXX and they have confirmed the debt is for an I-Phone XXXX that was purchased by XXXX. XXXX have stated despite confirming changes they made a " mistake '' and did not change payments over to XXXX XXXX account. 

This debt is damaging to my credit score ( XXXX XXXX ) and XXXX have declined to remove from collections and correct their mistake. 


Any help with this matter would be great.
This Problem is not with my checking or savings account. This problem is not addressed by the choices given on the previous check boxes. 

XX/XX/2018, I applied to Bank of America for a medallion Signature Guarantee. I supplied copies of the required documents, a stock certificate, a passport ID, and a stock transfer document to be stamped with the guarantee. 

The Transfer document was signed with a digital signature. The digital signature included a cursive signature as part of the digital signature. The Bank refused to guarantee the document solely because the signature was digital. The reasoning offered to me was that they could not verify the digital signature against a signature card on file or the Passport ID. They requested that I submit the signature without the digital indicator. I refused ; referring to 15 U.S. Code Chapter 96 - ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE as my source indicating that what I had submitted was legally binding. 
Bank of America contact info concerning this info is : XXXX. ph XXXX
Wells Fargo Nationwide marketing group. I purchased furniture with 12 months no interest financing from them. The furniture was delivered in two separate deliveries and consequently, there are two separate special term balances with different end dates. I receive one statement with a single minimum payment due. Wells Fargo applies separate minimum payments against each of the two balances. They do not apply the full payment against the balance with special financing that expires the soonest. The documentation does not state how much of a minimum payment is required against each balance. In discussing this with the company, they can not provide the minimum balance for next month. This makes it difficult to pay off the balance without paying deferred interest since I have no idea how much of my payment will be applied against the longer term balance. My contention is, if there are indeed minimum payments required against each balance then they should be clearly spelled out.
I received a claim form in reference to IQ data international. The company was requesting a change of address, telephone number and name.
I bought a cell phone ( XXXX ) from XXXX on base at XXXX XXXX GA when i first got stationed there. The phone service was very insufficient so i returned the phone within the 14 day grace period and went to another cell phone company. The XXXX vendors failed to process my return correctly. So after 6 months of me not knowing, i started getting phone calls from a collection agency for the phone i had returned. They put a {$710.00} debt collection on my credit. I went back the next day after i found out after 6 months. They submitted a claim that took another 6 months to follow through. And at which that 6 months i continuously received phone calls and told them of the issue. Which every time they called they said it was no problem and they will fix the issue, which was a lie they also told for 6 months. Finally after a year, the debt was paid by XXXX but the collection debt hurt my credit and has not been removed. It has been paid, but not removed from my credit files. They made the mistake and now my credit score has been penalized for it. Actions need to be taken to not only removed what they have done, but also to prevent this sort of issue from happening to others.
In XXXX of 2016 we were solicited for a Mortgage Loan Modification by Seterus, the servicer of our XXXX Mortgage. The deadline to make the first Trial Plan period Payment was XXXX XXXX, 2016 and we made the payment in XXXX. As explained in a prior complaint to your office by us against Seterus , Inc. ( Case # XXXX ) we made all of the required Trial Plan Payments and have been trying, unsuccessfully, since XXXX, 2016 to finalize the Modification. 
Recently, after receiving solicitations from Foreclosure Lawyers, we became aware that XXXX filed a Mortgage Foreclosure Action against us on XXXX XXXX, 2016 ( XXXX XXXX Court Case # XXXX ), after they offered us the Modification and before the first payment was due. This Dual Tracking by XXXX and Seterus was in bad faith and a VIOLATION OF THE CFPD REGULATIONS PROHIBITING DUAL TRACKING IN LOSS MITIGATION AND LOAN MODIFICATION PROCEDURES. In addition, Seterus continued to accept our payments in XXXX, XXXX, XXXX, XXXX, and XXXX and NEVER notified us that a forclosure action had been filed. 
We have been victimized by Seterus over and Over again! 
All this time we have been negotiating with them we had no idea that they had already filed a suit against us.
There are time limits governing when a creditor can sue you for a debt. These laws are called statute of limitations. In Maryland, the statute of limitations requires that a law suit be filed within 3 years for written contracts to include credit cards. 

SEARS/CBNA made three erroneous updates on XXXX report with 2 accounts ending in XXXX and 1 account ending in XXXX. Then on XX/XX/2018 SEARS/CBNA went on XXXX   looking for another dispute from me, changing an account to read XXXX using company bureau ID XXXX.
I have been trying to get this situation corrected for a year now but no one in the XXXX XXXX credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX XXXX website, i was only able to pull up my XXXX XXXX, 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXX XXXX has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.