WillisBack/dataset-financial-user-claim huggingface dataset:
I wrote to XXXX Hospital and Credit Control in XXXX XXXX, Virginia because I have several medical accounts that were included in bankruptcy in XX/XX/XXXX. Most accounts were updated and said included in bankruptcy until the discharge. I spoke at length with the collector, XXXX XXXX back in XX/XX/XXXX, prior to the discharge which prompted her to create identical accounts under each hospital or doctor name as collections and then as Credit Control, doubling the collection accounts. Now, after receiving my annual credit report there are still all of the original accounts, credit control accounts and a triplicate listing with no creditor info, no dollar amount, but a new collection account. I wrote to the hospital in question, since I had no luck talking to XXXX XXXX at Credit Control, she is just antagonistic and cruel, because she knows she 's dealing with sick patients who ca n't afford to pay their bills. The bills, for the most part are as follows : Please correct several accounts on all three of my credit reports that are in error and need to be removed because they were included in Bankruptcy and when I spoke to one of your collectors they agreed to remove the items once I provided information. The last XXXX of my social is XXXX and dob is XXXX/XXXX/XXXX. There are several locations, some items are not identified as XXXX but have the same account number structure : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX Ex XXXX XXXX XXXX Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/Credit Control Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/Credit Control Listed 3 Times All accounts are listed multiple times on each credit report and I would like all entries removed. Please acknowledge my request by email as soon as the corrections have been made. 
If you have any questions or find any additional errors when you investigate and correct, please correct those items as well. 
Thank you, XXXX XXXX When I called to follow up, XXXX XXXX began screaming at me, telling me she had no idea what I was talking about, she remembered me, and had no intention of removing the inaccuracies. She kept hanging up on me and then threatened to call the police. This company is totally unwilling to correct the items, there should not be any open items on my credit. I asked them to correct and they said, they did. That is not true. 
Per XXXX XXXX XXXX, Compliance Officer Credit Control Corp. ( CCC ) XXXX XXXX XXXX XXXX, VA XXXX There are no inaccuracies, there are, but they refuse to report fairly. 
I would like assistance to correct the items and hope to have most or all entries deleted as they are no longer valid debts.
Today, XX/XX/18 a new inquiry appeared on my XXXX  report, XXXX  and not on XXXX  yet from LOWES/ XXXX XXXX, from XXXX  Florida . I already contacted XXXXXXXX XXXX and left a message and emailed them. This is the second time this has happened with that bank as they worked on another inquiry. This Lowes inquiry was made sometime today and XXXX XXXX alerted me about two hours ago. Synchrony XXXX XXXX, ext XXXX.
On XX/XX/XXXX I received notification from my job about a garnishment from XXXX XXXX XXXX XXXX XXXX. Per the notice they were garnishing me for {$14000.00} at a rate of 25 % of disposable income. I called and talked to XXXX at XXXX XXXX  XXXX, XXXX  - the lawyers representing the trust. His number is XXXX ext. XXXX. XXXX told me that this was a lone from XXXX XXXX back in XX/XX/XXXX and it was a private student loan to attend XXXX XXXX College for XXXX. I advised him that I have no knowledge of this loan and that I needed him to send me documentation showing that they not only own the loan but that I signed a promissory note with them - he stated that he would. Prior to this I have never heard of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX  XXXX, XXXX. This has never reported to my credit report nor have I ever received any notification to verify this debt. According to the paperwork, the judgement was issued XX/XX/XXXX - I also have no knowledge of any court proceedings for this matter. I have done plenty of research on this company and I see they are being sued left and right for using false affidavits and misleading information to collect on debts. I will fight this all the way if I have too - there is no way that I am going to pay on a debt that is 14 years old to a company that I have no knowledge of. Please take this consent serious and help me and I am sure plenty other consumers from these deceptive practices.
On Wednesday the XXXX of XXXX I was part of a scam through purchasing tickets. I called Bank of America to see what the best way to send money safely and the customer service agent pushed XXXX. The concert was about 45 mins and I was in a rush to get this taken care of. As I sent the {$180.00} dollars and never received tickets BOA told me It was never sent ... But I got a email stating it was pending. I reached out the to the individual and he stated it did not go through and for me to try another account. After that I have sent the remaining balance of {$250.00} dollars. Which now brings the total of {$430.00} out of my account. Now that both request have gone through - BOA is stating is is my fault when they have stated on XX/XX/26 they are pending and not posted. 

I have spoken over 5 times within 48 hours to BOA, 2 times to XXXX, 1 time to XXXX bank ( One Account was connected to XXXX who retrieved the {$180.00} ) 1 time to XXXX XXXX ( who also retrieved {$250.00} ) Bank of America has stated I am XXXX out of luck due to there mistake of not stopping payment through XXXX. 

Can I have some advice on how to proceed with the BOA?
On XX/XX/2018, I put in an application for a loan, I was denied for the loan because they informed me that on my equifax credit report my child support was in default and late over 120 days for almost 2 years. Ive have not been late with my support or missed a payment. enclosed as proof are all my child support payments that i receive emailed receipts. I mailed the first letter to experian on XX/XX/2018 and they send my a reply as verified and that the information was correct. on my second later dated XX/XX/2018, i asked for proof of verfication. Per the Fair credit reporting act, they have the burden of proof sending me documentation on how they verified the information. They sent me a letter saying that it was once again verified and that they updated the status from 120 days late every month to " G '' which in their code means account under collection. Once again, no letter, no method of verification. So I decided to call the number that equifax has listed on my report for the child support office and it is disconnected, XXXX XXXX.So if they have the incorrect number, how can they call and verify?? My child support obligation was met and closed on XX/XX/2018. The account is now closed, I went to the office in XXXX and they told me to dispute with the credit report agencies because it was out of their hands. I took the initiative to go into my emails and found the payment receipts for all my support payments enclosed, which prove that all payments were made consistently, on a monthly basis with no deliquencies or missed payments therefore proving my case all along that this was incorrect information. The credit bureau had the burden of proof to properly investigate this information and failed, A blatant violation under the fair credit reporting act.
Closed on a mortgage with Chase XXXX XXXX, XXXX. Chased changed the mailing address on my XXXX Chase Credit Cards XXXX XXXX, XXXX. This change was without my verbal or written permission. Chase did not inform me of their intentions to change our mailing address. We do not plan to move into the new home until XXXX XXXX. We are revovating the home to for our personal design. Both these credit cards now do not match the address on our Drivers License. I called Chase to have address changed to where we want to receive our mail. Was on hold set back and forth between XXXX countries and XXXX different people. Issue not resolved. I am employed as a XXXX and work XXXX. I now do not have a credit card that matches my Drivers License, if asked or additional I.D . As a XXXX XXXX XXXX we are told do not show our Passport. As passport is work more than our life on the black market. Again Chase did not ask my premission, for address change and did so without informing me or giving me option. How can I get my address changed to where I want my mail? Thank you for your time and assistance.
In 2015 a salesman from XXXX talked me into getting an alarm system. 
He gave me a price and I accepted, but XXXX kept raising my bill, also the house is rented and my landlord rejected it. Another factor is I'm XXXX years old and XXXX XXXX XXXX  for XXXX  XXXX ... It turned out I had to stay at a VA hospital and wasn't home ... I called XXXX and begged to be released from the contract.Within 2 weeks they removed the equipment and I thought it was over. Next thing I know they referred the account to Perfection Collection and kept charging me monthly until the account rose higher and higher..I never received any letter of resolution from Perfection, the only way I found it was that my excellent credit took a serious hit..I keep getting refused for credit because of this collection company..It shows up bad everytime ... I need to erase this black mark as soon as possible..It is unfair, I was taken advantage of by XXXX because I suffer XXXX XXXX and didn't know for sure what the terms were. Can you please help me?
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
Originally there are four payday loans that were originated at XXXX XXXX in XXXX XXXX. Before they charged off I attempted to contact XXXX XXXX in collection department and they refused to get a manager involved so I can settle this before it charges off. They go ahead and charge off all for loans. One is in the amount of {$270.00} one is in the amount of {$190.00} one is in the amount of {$480.00} and one is in the amount of {$670.00}. I presume that that includes the interest at the time of charge of. And then went to a Recovery Services company called XXXX XXXX in XXXX XXXX. On XX/XX/2018 I did call And spoke to XXXX. and I offered them an {$800.00} settlement the response that I received from this company was " oh I can't even consider that because this was not has not even been reported to your credit profile '' pull the call, apparently they are recorded ... Well that is the purpose to try to settle this so my credit profile is not damaged. XXXX XXXX refused to speak with me regarding a settlement and so is XXXX XXXX their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their telephone number is XXXX. Their collectors are quite rude so I asked to have a manager call me. I did request that a do-not-call be provided due to the collection efforts on this however no one can ensure me that I would only be called once a week or once a month. I requested personally for a manager at XXXX XXXX to return my call as of today 's date there has been no such call. Respectfully, XXXX XXXX
I recently checked my Credit Report and have requested that Navient provide me with documentation that this alledged item belongs to me. Navient calls my cell phone, yet I have told them to stop contacting me by phone and to contact me by mail only. I do not know why I must spend so many countless hours correcting this companies mistake. There are a lot of people out there that have my same name. 

Please see the attached documents that Navient sent back to me as my resubmission in accordince with their request for information. I have also attached a 2nd letter to which I have not gotten any response on. Both letters were sent Certfied Mail To Navient. Navient contiues to report inaccurate information that does not belong to me or on my Credit Report.
I have asked Experian several times to remove dispute comments from a collection account and they are refusing to do so because they say the information is coming from the data provider and they have to remove the comment. The data provider is refusing to remove the comments. When I asked the data provider to do so they laughed at me and asked me what I was trying to buy, and refused to remove the dispute comments even though I told them I was no longer disputing the account. I told Experian I am not disputing this account and to please remove the comment. From my understanding they have an obligation to report correct information and the correct information is that I am not disputing the account. I am asking them to update this account to Have no dispute comment. Also, the date of the first delinquency is completely incorrect and they need to correct that information as well or remove the information completely. The other reporting agency 's had no issue with immediately removing this information. So I am not sure what experians hang up is but they need to get my credit info on this account corrected.
I have several hard inquires on my Equifax credit report that are not mine and I didn't approve them. I have contacted the creditors and equifax about removing them and each one tells me to call the other. 

List of inquiries that do not belong to me : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX.
THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN EQUIFAX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH EQUIFAX, XXXX AND XXXX. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX
XX/XX/XXXX my bankruptcy was discharged after which Loan Depot quit sending me monthly statements even though I did not include my mortgage in the bankruptcy. 

XX/XX/XXXX, I emailed Loan Depot asking them why they quit sending me statements. No reply. 

XX/XX/XXXX wrote a letter after I talked to one of their agents who told me to email XXXX and include a copy of my Bankruptcy Discharge which I did. No reply. 

XX/XX/XXXX emailed XXXX with same question and no reply. 

XX/XX/XXXX called twice and the second time an agent told me to email again requesting that my statements be mailed. Of course no reply. 

I have been mailing my monthly statements even though no statement received to a special address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX
There has been a bankruptcy on my credit report since XXXX XXXX, XXXX. The bankruptcy was dismissed. It was dismissed! I never went to court. None of my debts were XXXX because the bankruptcy was dismissed. I would like this taken off my report. It has been over 5 years it 's been on my credit report. My information was not even completed in the bankruptcy paperwork in the court. This derogatory mark on my credit should not be there.
On XX/XX/2018 I was obsessively checking my online banking account with chase because I had used it at XXXX and XXXX XXXX and my husband had sent me {$40.00} to cover the charges through XXXX. I wanted to make sure that the charges will still pending so that when the XXXX XXXX deposit would hit at midnight it would be covered. I went to bed at like XXXX and noticed they were still pending so I said good they wont post until tomorrow, perfect! The next day I woke up with 2 overdraft charges because 2 checks ( one for {$6.00} and the other for {$11.00} ) that I had given to someone over a month ago. I called chase to ask them why those checks were not on my online banking the day before if they were cashed during the day. They said theyre system does not show checks until XXXX the day of and that if I didnt want an over draft I had to make sure theyre was money in the account by XXXX the day the checks were deposited. I explained to them that how was I suppose to know that the checks were gon na be cashed that day. Also if they want people to deposit by XXXX the day the checks were cash why dont they post it in their online system before XXXX so that a consumer can know! Or if they want to continue posting the checks cashed until XXXX they should allow consumers to make a deposit the day after. This is unfair, abusive and deceptive because the consumer does not know the checks have been cashed that day because chase wont allow them to see the checks until XXXX which by the way half of their consumers are already asleep.
last XXXX i was making a payment, on time, to specialized loan service SLS. i went online to do this. 
i was duped by a company XXXX. a third party pay scam. never submitted payment yet they processed it anyway and charged me XXXX to do so. 
i never hit their submit button! 
anyway not knowing they submitted it I then called SLS a few minutes later to make a phone payment instead, which i did. that is two payments i made the same day. I thought i made a one payment. bank called to tell me i was overdrawn on that account.

i immediately called SLS and told them what happened. Since they received two payments in one day they said they would send one of them back. XXXX payment back in 10 business days by mail. 
that did not happen and after 27 business days i called them to see what happened to my money and after speaking to them they agreed to credit me and to apply that amount XXXX for my XXXX payment. So all is cool i thought till late XXXX when i get a letter from SLS telling me they electronically sent a refund to my bank. This refund was my XXXX payment and i receive a month and a week later So i called them and sent it back to them via phone immediately. 
Ok, its now XXXX, i go to make XXXX payment and they say i owe for XXXX after they have been paid for XXXX. 
I talked to them 12 times to resolve. They agree with me, tell me all is good and i have all the id numbers of their persons i spoke with. 
Ok, i go to make XXXX payment and they inform me i owe a late charge for last month. i almost fell off the floor! so they review and once again they tell me i right and wave the late charge. 
each time i ask them about my credit report and they all made claims it would not be reported and no harm to my credit score. you can guess the rest, my credit score takes a beating i am trying to rebuild my credit after injury. if you could help i would be soooo grateful. thank you ..
U have 2 hard inquiries on my credit in I don't know how I pay my bills in never been late
I never knew that this was on my credit report, until I went on XXXX XXXX and seen this negative information, Ive been sick and I dont know why this is on my credit. Its showing a XXXX gas bill which I dont owe. I never heard of this company until I XXXX them and read all of the negative reviews.
On XXXX, I went to XXXX XXXX XXXX Hospital because I suffered from XXXX. Upon checking in, they informed me the machine they have that tests that was broken. So I immediately checked out and went to a different ER. 

I received a bill from XXXX XXXX XXXX Hospital on XXXX for {$100.00}, since that was my emergency room co-pay with XXXX after what they contributed, which I promptly paid. That was the end of that. 

At least, until the morning of XXXX/XXXX/15 when I received a call from CMRE Financial Services stating I owed {$130.00}. This was complete news to me as for over 2 1/2 years I heard nothing more about this. 

They informed me that XXXX XXXX XXXX XXXX XXXX sold them my case back on XXXX/XXXX/13. That they 've sent notices to XXXX of my addresses and interest had been accumulating on it. 

Instantly a red flag was raised because both addresses they told me were obviously wrong. XXXX XXXX XXXX Hospital always had my right address and that 's where the doctors would pull it from. So why would they have been provided XXXX incorrect addresses? 

And why would I be charged interest on an illegitimate charge I was never notified of? This is literally illegal. 

The charges were broken down to me as follows : {$300.00} - total charge for exam {$100.00} - night fee charge {$400.00} - total {$290.00} - XXXX paid {$100.00} - my balance {$25.00} - by % 10 of interest {$130.00} - total I oweRed flag number 2 goes up. If my emergency room co-pay is only {$100.00}, why did XXXX charge me more? Also, why did n't XXXX send me an itemized statement of what they contributed like they did for all my other treatments? 

Red flag number 3 : the tests that CMRE said were performed on me never were as the machine was broken and there 's a record of that. 

Red flag number 4 : The hospital always had my phone number, why did CMRE never attempt to call me in 2 1/2 years time? 

Red flag number 5, CMRE had no address or phone number listed for this billing agency. And when I called XXXX XXXX XXXX Hospital, they said they 're not based out of there and there was no way to reach them ( except by a lead on a phone number that does n't seem to be working ). 

Turns out it 's a scam and CMRE was complicit in insurance fraud and bilking me on interest charges on a charge that never existed nor was I notified of.