WillisBack/dataset-financial-user-claim huggingface dataset:
This is a rebuttal to the response that XXXX XXXX XXXX replied. I DID NOT ASK THE DEFINITION OF A CHARGE OFF I am well aware of what that means. It 's a bank code that is used to show a loss. That did not answer any of my original questions with this company. What this company is doing is Double Jeopardy in a sense,. The initial company charges off the same account that they purchased or took over. The account number is the exact same as the initial. This makes the mortgage look as though it was charged off twice. Where is the signed documents? Where is the payment history? I did not ask them what the other company was did I asked what kind of underhanded treatment they are trying to pull. Just what accurate law and regulations are they quoting? How is this even close to being legal? For the first company to charge it off and then again this one. I would think that this violates the Fair Debt Collection Practice Act which would include unfair and deceptive practices. I want to see a Mathematical audit on this account.
I attended a for-profit institute in XXXX XXXX, MI owned by XXXX Colleges. The XXXX closed them down and stated that what they did was against the law and they forgave our federal loans and we were told that the private loans that originated from XXXX, owned by XXXX Colleges and now UASXXXX, should clear those loans. I have stopped payments due to what the federal government has stated. They now call me and my mother everyday saying that we need to pay even though I talked to them and told them what the XXXX had said.
I attended XXXX XXXX School in 2005. I was supposed to be released of all financial obligations, but this small amount has remained for years. I do not believe it is federal. They would bother me while I was at school elsewhere, and I would just defer. Recently, I just exited bankruptcy, and all creditors were notified of this and my new address ( and the stay ). Yet somehow they did not change the address and I received no notices of delinquency, no emails, and no phone calls about payment. Now, allegedly they have sent this thing to collections, but the collections agency has no record of this existing. So I am stuck in limbo here. I do n't want this to ruin my credit -- I do n't even owe this amount, and on top of it the alleged collection agency has no record of this. 

They have not given me proper notice or an opportunity to request a deferral or forbearance.
My car was totaled in an accident. My insurance company did a three way call with myself and Wells Fargo Dealer Services. They obtained the payoff amount and the address to send an overnight payment. ( this is the same address currently listed on Wells Fargo Dealer Services website for overnight payments as well ) I have since been informed that the address on the website as well as the address provided by the customer service representative are for NON-INSURANCE claims. The website directs you to choose the pay off reason. Even if you choose Insurance Claim, it provides the same incorrect address. 

The check was sent overnight on XX/XX/XXXX and arrived at the location on XX/XX/XXXX. The check amount was {$5500.00} Check # XXXX. The tracking information for XXXX is XXXX. From that point the check was forwarded to another address for Wells Fargo. 

I called Wells Fargo Dealer services on the XXXX and they stated it could take several days to post to the account and directed me to call back in a week. 

I called back a week later, and was told the check was sent to the wrong address. I explained that Wells Fargo Dealer services had provided the address. They told me due to the wrong address the check would take longer to post, and advised I call back in a week. 

I called back a week later and was told they did have record of the check received on XX/XX/XXXX and that a supervisor for that location forwarded the check to XXXX CA for the insurance payoff team. However, the check at that time was not received at the location as it should have. They advised they would need an additional week to research. 

I called back today and was told they lost the check. They have not applied it, and refuse to reimburse me. My next payment is due in two weeks. They have now asked that I reach back out to my insurance company and ask that they issue another check, and place a stop payment on the first. ( This will of course cause an additional fee to my insurance company for the stop pay - from the bank! ) All of this is costing me and my insurance company time and money. My next payment is due on XX/XX/XXXX, and the insurance said it will take at least a week to get the first check canceled and a new check issued. I do not feel I should be responsible for this payment, any late fees, or any adverse actions on my credit report due to Wells Fargo 's ineptitude. They are a multi national banking institution that had a profit of XXXX XXXX dollars 4th quarter of XX/XX/XXXX. Wells Fargo admits they had the check and lost it. I feel they should be replacing the check, not me or my insurance company. They should be issuing their own check from their own accounts to pay off this loan. If I were 1 day past 30 late on ANY payment, I would have a late fee of 40.00+ and a report on my credit. I would like the same treatment for their mishandling of this issue.
I have filed complaint after complaint about this bk EQUIFAX REMOVES IT AND REINSERTS AT THEIR LEISURE ... adding inquiries i have no knowledge off as well .... this bk is not mine and equifax reinserted it with no confirmation this belongs to me i have attached a copy of the screen FROM THEIR WEBSITE WHICH STATES NO PUBLIC RECORDS YET I GET AN ALERT SAYING A PUBLIC RECORD WAS ADDED
Navient misled me and my family into a payment plan to prevent any negative credit reporting but then they reported all of us to the credit reporting agencies. The Navient representative told me that I only needed to make the XXXX qualifying payments to prevent any negative reporting on my credit and to bring my account current. This conversation was on a recorded line. 
Furthermore, I am ran into technical problems paying them in XXXX ( I used the same bank account for 13 years but they said it was my fault ). 
Here are my last XXXX payments. 
XXXX XXXX XXXX payment in new payment plan XXXX XXXX Paid for XXXX and XXXX. XXXX did n't go through? No record of them attempting a payment in XXXX. 
XXXX XXXX No one knows why they charged me. 
XXXX XXXX No one knows why they charged me. 

And somehow they are demanding {$1300.00} this month? Plus, they refuse to remove the negative report on my credit. 

Can someone please help?
XXXX XXXX sold my collection account to LVNV Funding. I requested validation of debt and they never responded to my request. I was being charged for charges that I did not owe.
1. PNC Bank closed Holders account on XX/XX/2014. 
2. XXXX XXXX left the Holder of the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an any way at any point in time. Account Holder died in this state. Medical Records Attached. 
3. Holder of the account required 24-hour, 7-day a week XXXXXXXX XXXX XXXXXXXX. 
4. Holder of account was in XXXX XXXXXXXX ON THE DAY PNC Bank closed the account Holders. Records Attached from XXXX XXXX XXXX. 
5. Holder of the account was unable to manage affairs. Letter Attached. 
6. Holder of the account was elderly - approximately XXXX years old. 
7. Holder could not communicate - PNC allowed UNAUTHORIZED family member to close Holder 's  Account. 
8. Holder of the account was XXXX XXXX XXXX to bank or XXXX   to PNC Bank. ( Obviously ) 9. PNC Bank was negligent in closing the account and failed to recognize Financial Elder Abuse. 
10. PNC Bank needs to be accountable.
Carrington Mortgage Services is trying to raise my mortgage payment $ XXXX/mo stating that there is an escrow deficiency. There are many similar stories online after CMS takes over a loan that they have purchased. This creates a hardship and seems predatory. My loan is current and for the last XXXX years ( with XXXX XXXX XXXX ) has always been $ XXXX/mo, now they want {$1700.00}. I am nervous to pay them based on others stories that they will squeeze this out of me with no justification
I received a voice message that was left on my sisters phone stating they were the processor of the dispatch office and that I am a defendant in legal proceedings and that there is a complaint against me. Failing to comply can result in further legal actions taking place as well as the case going into default status and I need to contact their legal department asap.
This " debt '' is regarding a simple XXXX performed by a doctor in XXXX on XX/XX/XXXX. The test usually cost between {$200.00} and {$400.00} ( market rate ) and with an insurance plan discounts it usually costs between {$100.00} to {$150.00}. This doctor billed {$2900.00} for the simple test which was reduced to {$1900.00} with plan discounts, but still a mysteriously large bill. I asked for details and was stonewalled, but eventually after a lot of calls and paperwork got the itemized bill. The doctor billed it through XXXX XXXX XXXX as a hospital visit, even though it was an ordinary office visit. Moreover, duplicated charges by the doctor, the hospital, and another doctor were billed for the same items ( billing codes ). 
I paid both the doctor 's bill promptly, but I disputed the hospital bill because it simply was not a hospital visit. The hospital refused to acknowledge the dispute and simply started sending me the same bill repetedly, threatening to turn it over to collections. I asked detailed questions on how they coud charge ten times what it normally costs. I was again stonewalled. The bill was turned over in XX/XX/XXXX to a debt collection agency, XXXX XXXX XXXX in Massachusetts that specializes in medical debt. 

I am flabbergasted as to how a hospital can simply send a massive bill and then turn it over to collections despite an outstanding dispute.
This issue has already been brought to the attention of Cfpb, with no outcome, even when submitting all documentation trying resolution of this debt. 
In XXXX, after losing my job due to a XXXX medical condition, I leased a XXXX-bedroom apartment through XXXX XXXX XXXX. Below is the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.I entered into this lease with a co-worker, XXXX XXXX ; and due to my job loss, and my first SS XXXX check not coming till XX/XX/XXXX ; I had a co-signer XXXX XXXX , a friend of mine. 
After not quite 6 weeks, XXXX, my roommate explained to me that her daughter needed a place to live. Together, we both went to speak with the Business-Department @ XXXX .They were understanding, allowing me to transfer to the only apt . vacant @ the time, as a temporary move until something became available on the first floor. With my medical condition worsening, my physicans wrote a letter to the XXXX that I was in need of a XXXX floor apt , due to my inability to continue living on the XXXX floor without elevators. This new address I moved into on XX/XX/XXXX was : XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX. My security deposit and co-signer application was transferred to the new address. 
Upon losing my position in XX/XX/XXXX, I was faced with filing Chapter XXXX Bankruptcy, due to my debt I could n't pay. My lawyer advised me, to convert this to a Chapter XXXX, since I could not pay the debts included in my initial Chapter XXXX petition. named XXXX as a debtor in both chapters. They did not respond to the Chapter XXXX or XXXX claims, so it was the option that they did not want to follow-up with this. 
XX/XX/XXXX, I was no longer physically able to live on the XXXX floor. I was in constant contact with XXXX Business Office discussing with them my situation. Due to this apt . being kept in excellent condition, I was able to give a 30-day notice with the understanding that this would be paid for my last month 's rent. I felt supported by them and assumed that this matter was closed. My Chapter XXXX Bankruptcy was discharged on XXXX/XXXX/XXXX. XXXX never reported this to me, and initially the collection amount was placed on all XXXX credit bureaus in XXXX. This was not reported since XX/XX/XXXX.Upon my vacating this apt . I left forwarding addresses, phone numbers and my email. I was n't placed in Collections for this @ the National Credit Systems till XX/XX/XXXX. I feel that I explained the situation to XXXX upon me leaving, and parted on good terms with a XXXX balance. I again ask that this account be removed from all XXXX credit bureaus.
This company has violated the FDCPA and the Fair Credit Reporting Act. 

They reported XXXX accounts on my credit report. I contacted both the company and the credit report agencies to demand validation of the debt they are trying to collect. Under the FDCPA and FCRA a debt collector can not report to a credit reporting agency unless and until it verifies the debt This company instead reported the accounts to experian and equifax after they had been removed from XXXX because they could not be validated. These accounts were reported to the above agencies on XX/XX/2017, and I did not receive a reply regarding my request to validate until XX/XX/2017. 

Not only were the accounts reported to XXXX agencies while it was being disputed, the only reply I received was a simple form letter with dates and amounts, not any verification. 

There was no proof of any type that this debt belonged to me as I demanded. Their was no date of verification nor any documentation of the authorized HIPAA business relationship between ARS and the original creditor. Being that I was insured at the time it is extremely important that I receive full validation of any alleged debts including services or signatures. This company has been unable to properly validate this debt and continue to report in full violation of the FDCPA and FCRA
XXXX/XXXX/XXXX I got a lease through XXXX XXXX ( an Uber subsidiary ) on XXXX XXXX XXXX XXXX XXXX. Before I took this lease I asked XXXX XXXX manager : Would this lease appear on my credit history in my credit report? The answer from XXXX Leasing manager was of course YES! So I started driving on this leasing vehicle on Uber platform. XX/XX/XXXX I returned this vehicle to XXXX XXXX. From XX/XX/XXXX till XX/XX/XXXX Ive paid for this leasing vehicle total {$13000.00} by weekly, payment amount of {$150.00}. All payments has been paid on time without any delay. But unfortunately I dont see any account/report in my credit history/credit report about this leasing vehicle after Ive returned this vehicle to the XXXX XXXX. When I took this lease the XXXX XXXX did only inquire through XXXX XXXX to run my credit history/report. But when Ive returned this leasing vehicle the XXXX XXXX didnt report to the XXXX XXXX or other credit bureaus about this lease as their XXXX promised me before Ive took this lease. Ive tried to communicate and resolve this issue directly with the XXXX XXXX managers and sent them few e-mails. But unfortunately Ive got an answer from the XXXX XXXX XXXX that At this time XXXX XXXX does not report to the credit bureaus. The only time we work with the credit bureau ( XXXX XXXX ) is when we review your application for the lease. Other than that, your payment history would not be reported. But when Ive asked the XXXX XXXX manager about reporting this lease to the credit bureaus before Ive took this lease the answer was YES. Whats that? If their manager had told me NO before Ive took the lease, I have gone to another leasing company and have taken another lease. The problem is the managers of the XXXX XXXX dont want to do report to the credit bureaus about my lease as they promised me before. But Uber company and the XXXX XXXX is not a small company. Its a huge company with many offices, thousands employees and its XXXX dollars company. They can afford to provide the reports to the credit bureaus. Also they provide very expensive leases for the vehicles. Just for 1 year 8 months Ive paid {$13000.00} for the lease of XXXX XXXX XXXX Its a huge money and I hope, that I deserved fair report about this lease in my credit history/credit report because Ive paid off this huge money for this lease. Please reinvestigate this matter as soon as possible. For supporting my position enclosed are copies of : - Motor Vehicle Lease Agreement Closed-End-With Arbitration Agreement ( two parts ) - Retail Installment Sale Contract Simple Finance Charge - DMV Registration Card Valid From : XX/XX/XXXX to : XX/XX/XXXX - DMV Registration Card Valid From : XX/XX/XXXX to : XX/XX/XXXX - XXXX XXXX Returning Form - XXXX XXXX Return or Transfer Excess Wear Inspection Report - Approvement of History of All Payments From XXXX XXXX Support
I have disputed inquiries on all three credit bureau reports both with each company by certified mail and with each reporting credit bureau ( XXXX, XXXX and Experian ). They legally had five business days to verify my signature and authorization to run my credit report or remove the inquiry from my credit reports. I have received no verifications from any of the companies or from any of the Bureaus as to how they verified each inquiry.Legally they must be removed if the company can not provide my legal authorization. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. Experian inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am trying to get a mortgage and these unauthorized inquiries are keeping from doing so. I have legally done my part by law to dispute and ask them to be removed without any reply from each company or the three credit bureaus. The bureaus will not legally comply.
The last month of XXXX I requested to investigate an accounts that appeared reported in my credit reports of which even XXXX XXXX XXXX # XXXX that I do not belong with a balance in lost that the agency of collections of XXXX XXXX # XXXX is collecting the balance of $ XXXX} that does not belong to me. Although I have requested that the debt be validated and the debt be written in writing that, according to them, belongs to me and I have not yet received an answer from them. 

On XXXX XXXX, I request the debt be validated again and I have not yet received a response from you. 

I have never had accounts with them and I need to verify and do not mix any information from another person in my creidito reports. 

There were also some accounts with XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX that were removed from my credit reports through satisfactory management with these creditors who could identify the error. Not having the same results with XXXX XXXX XXXX and XXXX XXXX.
I was on XXXX looking at flights when the American Express advertising appeared! Its stated I would recevive a {$200.00} credit statement ... .. come to find out, they are not giving me a credit ... please help me as a consumer.
Citizens Bank ran my credit on XXXX XXXX and I have not done any credit applications with any bank in 3 months. I called to ask why they ran my credit and they keep transferring me an referring me to other banks to call. No one is taking responsibility for why my credit is being ran. XXXX bank appeared around the same time on my credit. I do not have an account or any other bank products with either of these banks. The credit bureaus refuse to remove these inquiries and is referring me to the companies directly even though I told them my identity has been compromised. 
Among these inquiries that I have previously sent complaints about are XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. The credit bureaus will not validate these nor delete them when I told them that I did not authorize these and sent in proof that I had a police report showing my purse was snatched with all of my identifying information inside of it. 
I have a security freeze posted on my credit to keep this from happening again, but I need these items removed in case I want to get credit in the future.
I am writing to challenge Citibank 's position on a disputed charge. I placed an order with a merchant. I did not receive my order. I contacted the merchant to resolve the issue. Then I contacted Citibank to resolve the issue when the merchant stopped responding. 

XX/XX/2018 - Order placed at XXXX XXXX XX/XX/2018 - Order had shipped according to tracking number XX/XX/2018 - I contact the merchant because the tracking number indicated that the order was delivered to me, even though it was not. I ask for assistance. 
XX/XX/2018 - I email the merchant again because I did not hear anything from them, and they have no phone number by which to contact them. 
XX/XX/2018 - The merchant informs me that they must open a claim with XXXX before they issue a refund or a replacement. They estimate that it will take 5-8 business days. 
XX/XX/2018 - 9 business days later I contact the merchant to see if there is any update. 
XX/XX/2018 - I am once again told by the merchant that after the final paperwork is received from XXXX, that they will issue a replacement or refund. 
XX/XX/2018 - I ask how much longer the process will take. 
XX/XX/2018 - After receiving no response I reach out again and ask for a refund. 

I placed an order with XXXX XXXX. I contacted the merchant as soon as I realized that there was a problem with the delivery. They had promised to address and rectify the situation several times. I have been sending Citibank emails and screenshots for months now, and I received a letter saying that they can not resolve the dispute in my favor because they have not received a " credit slip or chargeback approval from the merchant to prove they agree '' I am due credit for this charge. The merchant would not help me in the first place, which is why I had to resort to contacting my credit card company.
Navient hired XXXX XXXX XXXX XXXX to collect on student loans. XXXX XXXX XXXX XXXX is alleging that I have only paid {$1000.00} in total for the last XXXX payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. XXXX XXXX XXXX XXXX is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however XXXX XXXX XXXX XXXX is incorrectly claiming that I have only paid {$1000.00}, which is patently false. Navient and XXXX XXXX XXXX Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, XXXX XXXX XXXX XXXX is incorrectly claiming that I have only paid {$1000.00} on my account. XXXX XXXX XXXX XXXX is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. XXXX XXXX XXXX XXXX is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made.
A new vulturous collection agency named XXXX XXXX XXXX is reporting on my credit in the amount of {$990.00}. This account has been removed from my account over and over and then reappears under a different name each time in which Experian has not been able to verify and all have been removed. However, it is reporting again. This has got to stop!! This is an invasion of my good credit and has been going on for over 7 years.
XX/XX/XXXX ( points before ) XXXX ( Points after ) XXXX ( Amount taken out ) 38 pts  We found 1 change to your XXXX credit report. 
Accounts Removed XXXX XXXX XXXX/XXXX XXXX Account Removed From Report I have no had a student loan for over 5 years and this was paid off. This has came out of my account more then 4 times and has greatly impacted my score. i have worked 2 solid years working to rebuild my credit however this dep of education has been removed 3 seperate occasions and dropped my score over 70 points. This needs to be resolved ASAP