WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage was transferred to Fay Services from XXXX XXXX XXXX as of XXXX/XXXX/16 due to us being behind on payments. On XXXX/XXXX/16, we made a payment of {$1800.00} which cleared our bank on XXXX/XXXX/16. On XXXX/XXXX/16 we made a payment for {$1800.00} which cleared our bank on XXXX/XXXX/16. On XXXX/XXXX/16 we made a payment of {$1800.00}. This check was sent back to us with a letter stating that they could only accept the full balance due for payment. Our XXXX/XXXX/16 statement had a balance due of {$6700.00}. On XXXX/XXXX/16, we sent a payment for {$6700.00} paying the balance in full as the letter requested. On XXXX/XXXX/16, we received a check from them in the amount of {$1800.00} refunding our XXXX/XXXX/16 payment. To date they have not applied the {$6700.00} payment and have put our house into pre-foreclosure. I called on XXXX/XXXX/16, when we received the check in the mail. I left a message for our account manager, and he still has not called me back as of XXXX/XXXX/16. I finally got to another representative on XXXX/XXXX/16, who hung up on me in the middle of explaining our payment application issue. My husband called on XXXX/XXXX/16 and left a message for our account manager and has not received a call back either. He spoke to another representative who said he would look into our {$6700.00} payment and call him back by the end of the day. He did not receive a call back. I checked our account online this morning, and not only have they not applied the {$6700.00}, but they have put a property preservation notation on our account for the pre-foreclosure. In addition, they told my husband we would owe additional late fees for the money that they returned back to us. Our XXXX/XXXX/16 statement shows a late payment will be assessed if the full balance of {$6700.00} is n't paid by XXXX/XXXX/16. They are holding onto our funds to accrue late fees, and sending payments back so they can continue to refuse payments for payment not being paid in full.
My wages have been garnished, by XXXX XXXX XXXX contracted thru E.D. gov. Unfortunately I was never notified of the garnishment process, or given the chance to dispute or voluntarily offer repayment, agency claims they sent a letter in XXXX of 2017, I honestly know that I did not receive a letter, actually I never even received a warning of garnishment from my employer either. I feel I was not offered a chance of repayment arrangments now that I 'm able and employed to do so, the Education department states that the agency will make numerous attempts to collect the debt or make options available, but in my case they did not, and I feel that they make false attempts and skip straight to garnishment process so that they get their money with out the process of making options available, so in reality they fraud the Education department with their claims of attempts to collect and they fraud people like me by not notifying me or giving me the chance at repayment options before consuming 15 % of my pay, I take the blame for being in this situation but still I was shafted by the process.
On XXXX/XXXX/XXXX I was injured at work, resulting in TX workers compensation claim numberXXXX ( now updated to claim numberXXXX ). 

Despite providing the WC claim info to XXXX XXXX XXXX XXXX XXXX XXXX multiple times, they repeatedly billed me for services rendered. 
My WC Adjuster even contacted them XXXX/XXXX/XXXX to advise that they could not bill me ( see attached ). Instead of correcting the matter, they turned me over to collections. 

As I communicated to the XXXX XXXX XXXX XXXX XXXX 's billing department multiple times in XXXX -- and to the collections company Patient Account Services , LLC in XXXX -- this is not a valid debt. Over the past two years I have made multiple attempts via phone, fax and mail to correct this matter with both XXXX XXXX 's and with Patient Account Services without success. 

The treatment provided by XXXX XXXX XXXX XXXX XXXX on the date of service XXXX/XXXX/XXXX was related to a valid Texas Worker 's Compensation claim ( see attached ). Pursuant to the Texas Worker 's Compensation Act, Section XXXX, neither PAS nor XXXX XXXX XXXX XXXX Hospital are allowed by law to bill me for services provided. 

Attached is a letter sent from the Worker 's Comp adjustor to XXXX XXXX 's on XXXX/XXXX/XXXX stating this fact. I am unclear this company continues to pursue collections against me for this illegitimate debt. This inaccurate account should NEVER have been transferred to collections. Not only have both XXXX XXXX and PAS attempted to collect on this illegitimate claim, but have reported false data to the XXXX and XXXX credit bureaus. 

I am in the middle of buying a house and this inaccurate collections account is impacting my ability to do so. This account must be deleted, and the reports retracted from the Bureaus, immediately. 

Additionally, I would like to receive written communication from the company stating that they will discontinue collections and delete the reports from the bureaus.
Somebody trying to get credit and made hard insquires on my credit report that are not mine XXXX to be XXXX yes are mine but others no please help remove
Citicards mixed up my account with another XXXX XXXX living in Texas who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX 's letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for six months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX 's as opposed to the XXXX 's where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for six months now.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX

3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX
Someone opened several bank accounts ( checking and savings accounts ) in my name without permission. These accounts were supposedly opened online according to Wells Fargo, XXXX, XXXX, and XXXX. Someone obviously stole my identity ( SS #, name, DOB, etc ) and opened these accounts. I then had to call all the banks and cancel these accounts, put a credit stop with the XXXX credit agencies as well as fraud alerts and go to the local branches of Wells Fargo and XXXX in order to close these accounts and prove that I had been a victim of identity theft. What I do n't understand is how anyone can just open accounts in my name online, but I have to actually go to a local branch in order to close them???!!!!! What XXXX kind of stupid system do these banks have??!!
My loans were originally with XXXX XXXX and XXXX XXXX bought them out. Well in XX/XX/2017 I had called in to get some information on my loans. After speaking with a representative I went on to get 2 more calls that same day. That clearly violates the FDCPA and I advised them not to call my cell phone anymore. Well the next day I received another 2 calls from them from an automated dialer and therefore I called them and advised them that also violates the FDCPA. After that I was frustrated and offered them a settlement on the account in which they rejected. As of XXXX Navient has been speaking to me because they were the servicer at that time and XXXX XXXX the guarantor. I advised Navient of the same thing. Either settle on the account for the violations of the FDCPA and or bring the balance to 0 considered pain in full. I also advised Navient not to call my cell phone as my employer pays for it. Well they didn't listen to that and I proceeded to get another few calls. After a while they stopped. Well last week XXXX XXXX XXXX whose parent company is Navient called my two sisters. First thing they said is this is an attempt to collect a debt how do we get ahold of XXXX. Well stating it was an attempt to collect a debt that clearly violates the FDCPA. Both of my sisters advised them not to call there cell phones they said okay wont happen again. Well my one sister got another call today and first thing that is said is this is an attempt to collect a debt. My sister was not happy as she specifically told them not to call her cell phone. well since they called her again and they advised it was an attempt to collect a debt that's another two violations. I want this balance taken to 0 considered paid in full to reflect that.
Ocwen mortgage company contacted me about their VA refinance program. They told me repeatedly that it would be of no cost to me and my balance would not go up. I never saw the amount I would be paying until it was time to sign. I noticed when signing that the balance was higher than I currently had. The notary was rapidly going through the loan and getting me to sign as fast as possible while " explaining what the paper was I was signing. When I noticed the balance was higher, he said I could bring that up with them later. The refinance ended up being {$3000.00} over my previous balance. When I called about this it was VERY hard to reach someone to talk to. I left repeated messages and nobody ever called back. I finally got in touch with Ocwen and they told me there was nothing they could do as I signed the new loan.
I have been a long time credit card holder for over 10 years, of the same two accounts with Capital one. I have encountered a financial hardship due to loss of income and have tried contacting Capital one via phone seeking help to lower the interest rate on my credit card and receive some help with the removal of the late fees and fee penalties applied to my account however I have not been able to get through on the phone. My current phone number has been disconnected due to non-payment and I have to use someone else 's phone to reach out for help. I am in need of some assistance to bring my accounts ( there are 2 ( two ) different credit card accounts in my name only ) current and remain a good standing customer.
This complaint is an update with more documents to show the issues with XXXX Credit Reporting. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XXXX/XXXX of XXXX not XXXX. 

The 3 XXXX accounts listed as joint holder should be listed as charge off XX/XX/XXXX.
XXXX   XXXX ,  XXXX  CFPB :  XXXX  denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the past  five ( 5 ) ye ars.   XXXX    claims that I owe it over {$140.00} on my  XXXX   Visa Platinum  Credit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX      alleges that it performed more than {$140.00} of Maintenance on my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.  XXXX  threatened to take away my  XXXX   XXXX  and the personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that   XXXX   remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my    XXXX     Visa Platinum  Credit Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get   XXXX    to ac cept payment from my   XXXX   Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX   Visa  Platinum Cred it Card. And remove the negative information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized XXXX XXXX accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX  credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX XXXX XXXX XXXX, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : 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 been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to me.
My bank who held my mortgage was sold quickly over a course of a few months. XXXX XXXX was bought by XXXX XXXX XXXX, then XXXX XXXX, and finally BBT. I believe that my mortgage was reported late for 4 months straight during this time in error which is now effecting my credit score to  purchase a new property.
In   XXXX  ,   Carrington Mortgage modified my loan without my approval and/or knowledge.
I recently learned of their actions during a refinancing of the loan with another lender. When I 've talked with Carrington about this issue, they seem not to know much about it, never  theless it appears on my credit report as a loan modification. The documents that I will upload indicate that I never signed-off on the modification.   During this period, this property was a rental property, and was occupied by tenants that I leased to for approximately 10 years (  XXXX  ). Further, the mortgage was not late, i.e, I was not having difficulty paying the mortgage and did not need a modification.   I 'm not certain about what can be done, but I 'd like help in unraveling this matter and getting to the bottom of why the modification, and why without my knowledge and involvement. Your help is appreciated.
I 'm a victim of identity theft and I sent a letter containing all information about the identity theft that I reported to FTC and to my local police department ( case # XXXX ). Equifax is supposed to block/remove all fraudulent items in my report as directed by section 605B of the Fair Credit Reporting Act but they refused to do so after contacting them by mail and by phone. They are directly in violation of the FCRA 605C and also Privacy act of 1974 that we do n't have a contractual agreement that they can hoard my personal information and pass them around to the fraudulent creditors and ask them to investigate. Their misleading practice has been harmful to me psychologically and financially. They are also in violation of Fair Credit Reporting Act that they verify information through physical verification of the original signed consumer contract with my wet ink signature and always asked the fraudulent creditors to verify for them. Anyone paying for their service can report anything without Equifax verifying the information. I am requesting that they follow the law and remove the fraudulent account immediately.
XX/XX/XXXX, XXXX XXXX submitted an unauthorized payment of {$58.00} that was deducted from my credit union account and created an overdraft and overdraft fee.
This company ARS is continuing to add and take away a debt that does n't belong to me. I received 3 letters from them on XX/XX/2016 saying they were removing these accounts. These accounts are not even mine. They just sent me another so-called validation of the debt and took off the name of the original person that owes it. This is damaging my credit and preventing me from being able to obtain credit with my credit union.
It appears I am unable to have an address I 've never been to removed from my credit report without an attorney 's help for recourse. I 've hit a brick wall. 
XX/XX/XXXX-Disputed a reported address I 've never lived in nor even know where it is in the area. 
A written notice was sent XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX with all requested supporting/identifying documents. Included was detailed information relative to why & how it is NOT my data. 
Experian refused to allow it as a dispute and uploading any supporting document in PDF format was unfruitful. It may be the XXXX format that I will check. Four attempts in two days without success.starting XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, however, they already have the original supporting document sent in XXXX XXXX. 
Below is a cope/paste of their screen message to me : We 're sorry. We were unable to honor your request Sending us your information To submit your request by mail, please send your documents along with XXXX copy of a government issued identification card, such as a driver 's license, state or military ID card, etc., XXXX copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Be advised that written information or documents you provide with respect to your disputes may be shared with any and all creditors with which you are disputing. 
Mail this form to : Experian XXXX XXXX XXXX XXXX, TX XXXX Your identification information ___________name Social Security Number : XXXX Address Report number : XXXX What is my recourse?
Someone promised me money greater than 100 $ but in a spoof email pretending to be someone else.
Recovery Special has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX. amount {$380.00}.

XXXX XXXX  Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address in XX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX   XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX  at the number above and filed the dispute with XXXX on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX Public records and my credit report demonstrates this. XXXX  said the XXXX  Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.
I went to BMO bank XXXX XXXX XXXX XXXX WI. I gave them a {$10.00} bill and asked for a roll of quarters. They asked if I had an account there. I said no. They said they could not give me the roll of quarters. They said they are saving them for their customers. What are banks for? I used XXXX money asking for XXXX money. Are the United States low on quarters?
Hi my name XXXX back in 2015 in XXXX i started school at navient school they gave ipad that would not keep connect to wifi which i was also told when tax time came around i would get school XXXX never receive anything from them and they also have been blowing up my phone the payment when i told them before kicking me out only a week in school that i was having problem with their tablet now their asking for when i move i lost it and cant .my only thing is i never got student XXXX for from them when i got ferdal grant that paid for tablet and they told me after 6 month i will half to start paying for my school.
I bank with BBVA and also for business with a company called " XXXX ''. XXXX XXXX is an app that allows workers to imput their work hours and earnings into their system and receive money before their payday. This service is of great necessity to me based off of the drive service work I do and the need for gas to complete my job. Recently, my bank has not been updating my bank info faster enough, it 's almost at crawl.. I do n't know what the recent hindrance is, but I have updated all my online banking alerts so my information should be sent immediately. I love banking with BBVA, I would just like this aspect of our relationship to get better.. <P/>I just need my bank info to be sent to XXXX faster so I do n't have issues using their services.. <P/><P/>Thanks XXXX XXXX
I applied for a mortgage from   XXXX   XXXX  , they did   XXXX   times hard inquiry during 2 months period, with out my authorize,  XXXX  in  XXXX     2016  and other  XXXX  in  XXXX   2016 , they did the second hard inquiry after they cancel the pre approve, i never get the loan and my score dropped  XXXX  points, I filed a dispute with credit agency, they did n't solve the issue.
The company only calls when there is a payment due. Have not seen any improvement in my credit they are just taking my money without improvement.