WillisBack/dataset-financial-user-claim huggingface dataset:
My insurance company XXXX XXXX failed to pay an emergency room doctors fee because of a clear misread of my medical coverage. After spending many months trying to resolve the issue with the insurance company and the medical biller, the outstanding bill was sent to XXXX for collection. On XX/XX/2018, XXXX  Account XXXX XXXX stated that the unpaid debt would be reported to credit agencies if not paid in full. XXXX was contacted by XXXX XXXX on XX/XX/2018 ( two days later ) to let them know the account/bill was covered and was going to be paid by UHC and not to pursue the matter any further. The XXXX representative who XXXX spoke to was named XXXX. On XX/XX/2018, XXXX sent XXXX a Explanations of Benefits document showing that the bill was in fact paid in full. On XX/XX/2018, XXXX reported the unpaid debt to XXXX  and XXXX. An XXXX representative stated that they are not responsible for correcting the reporting to the credit agencies. This uncollected debt now appears on my credit report. This is a clear violation of the FDCPA.
A collection agency, Credit Control XXXX LLC, for XXXX claims I owe {$31000.00} for a Credit Card number ending in # XXXX. 
The credit card had a {$2000.00} limit. 

This was a Credit Card i got through the XXXX. Postal Service and the XXXX and XXXX. 

This was a NO-INTEREST credit card, now they are charging me interest.
Experian has given my information to companies not having a valid need for access and without my authorization. I contacted XXXX XXXX and XXXX XXXX ; and they claimed there is no record of contact from them nor am I in their system. XXXX XXXX and XXXX were, also, not authorized for access. The XXXX enclosed documentation has been disputed several times as the company, XXXX XXXX XXXX, can not show proof of debt. My records show a XXXX balance and they can not show a record for what the debt is for. Who wins on this one?
According to Equifax, my personal information was accessed by an unknown third party in the security breach that occurred on XXXX XXXX, 2017.
REGARDING THE COMPLAINTS I JUST FILED XXXX ENDING XXXX AND THE XXXX MOST CURRENT XXXX XXXX. I FOUND LETTERS FROM BANK XXXX DATED XXXX/XXXX/XXXX STATING THAT THESE ACCOUNTS WERE FRAUDELENT ON CARD ENDING ON XXXX I AM ATTACHING THEM AND I NEVER RECIEVED ANYTHIG AND THAT IS FURTHER PROOF OF WHAT HAS TAKEN PLACE BY THE BANK AND THEY NEVER MENTION NONE OF THAT AT ALL AND TRIED TO COMMIT FRAUD. I EMAILED THE CORPORATE PRESIDENT. I HAVE EVEN FURTHER PROOF OF THE LIES THAT HAVE TAKEN PLACE. I EVEN FILE POLICE REPORTS AS WELL AS FTC.
WellsFargo is charging overdraft fee on online transfers. It is impossible to transfer funds between account if the funds are n't available. I transferred {$520.00} that showed available after my direct deposit on XXXX/XXXX/2016 and was charged {$35.00} XXXX/XXXX/2016 as follow : XXXX/XXXX/16 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$520.00} ONLINE TRANSFER TO XXXX EVER YDAY CHECKING XXXX {$35.00}
After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX on XX/XX/XXXX and XX/XX/2017. I attempted to reach creditor and was unable to.
Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.
I have been a subscriber to the XXXX, XXXX, and TransUnion credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, XXXX, XXXX, and TransUnion. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my XXXX, XXXX, and TransUnion consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with XXXX, XXXX, and TransUnion. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 3 ) TransUnion [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!
I was invited to apply for a Discover Card. I filled out the necessary information then was sent an e-mail to verify my address asking for State I.D, or other, and photo of social security. I attempted to upload photo of I.D . from phone but was unsuccessful. I then went home and scanned both I.D . and Social Security and uploaded them from my p.c.. Although the photo on my i.d is not clear my address and license # are. I received another email again requesting the information or to call. I called, spoke to an agent who was trying to find another way to send information, since they had trouble reading the I.D., whom she then said hold on a moment and then returned to the phone saying it was n't necessary to send any more information and they would process the applicatiuon 7 to 10 days. I then received another e-mail saying to call them or lose my application. I called them and was informed my application was denied. I checked my credit report saw they made a soft inquirie previously and then a hard inquiry. I recently received the denial letter which states I was denied to do inability to verify my credit references. It also adds on the back my fico score at XXXX ( it is XXXX ) and that there was not enough credit length on other cards and loans. I have had a XXXX XXXX credit visa card for three years, a XXXX for going on two years and an XXXX opened recently. All of which have been paid on time. I also have a loan through Department of Education, and a loan through a credit union of which all are current. I feel I have been discriminated in some way or I would have been run-around as I had. They came to me! And have had no trouble with these other credit cards.
I co-signed a student loan for my son-through the college, to be a XXXX XXXX. My son defaulted ( he had quit school to help his very sick father in law to be with the family business -- he now is divorced and can't make his loan payments- ) and i have taken over the payments to not allow my credit to be damaged. though it was too late at that time -- I was unable to get a car, when my car died, to get back and forth to work. -- I had to get a co-signer because my credit was ruined.-by navient student loan services. 
to make a long story short, my son never graduated and had defaulted on his loan. I guess we have a private loan, which i was not aware of and my interest rate ( which I found out is a variable rate ) keeps climbing. now its 11.25 % -- this is a rip off. I am paying {$210.00} in interest each month and there is no way to add additional payments to the principal either, to cut down on the interest. 
I have paid all back payments and interest.- now current. 
I don't know what to do ... this loan will never be paid off by the time of my death. 
I am XXXX yrs old and a single mom of XXXX -- trying to make right by my sons loan that I co-signed. I am struggling, don't know how long I can keep up these payments. 
I need to know if there is away to refinance this loan? need a fixed rate and not a private loan.-where they can keep raising my rates. 
I see student loans for 2-6 % ... why am I paying 11.25 %? 
HELP PLEASE
I had an account with XXXX XXXX XXXX and I asked them for XXXX for TV service. There was no XXXX in my area, so XXXX XXXX XXXX had a deal with XXXX and that 's what XXXX XXXX XXXX gave me. My payments went to who I had a contract with, never paid anyone but XXXX XXXX XXXX and paid in full. Never had credit card, check, or money exchanges with XXXX because I had no account with XXXX. I left XXXX XXXX XXXX, now XXXX tells me I canceled early, and I owe money. I was never with them. I never had a contract with XXXX XXXX.
I have been repeatedly called from a XXXX number regarding debt owed by my brother. I ignored the unknown number the first time and they left a voicemail stating they were calling about debt owed by ( my brothers name ). 
I later found out they also called two other siblings trying to track down my brother. 
They continued to call my number so I eventually answered, told them this was not the right number and asked them not to call again. Nonetheless, they began calling again so today I answered again. 

The caller stated that her name was XXXX XXXX, she worked for Key2 and her number was XXXX ext XXXX. 

Even though I told her this was the wrong number and I had already asked not to be called again, she continued to probe and try to determine my relation to her target and push me to get him in touch with her until I eventually hung up. 

I want this company to stop calling me.
I 've been faithfully paying to Genesis lending since I was enrolled in school, monthly. I made sure my payments were always on time so my credit would n't go down. I then found out that the school I attended was closing, and my private loan was being sold to another company. Even though I 've still been making payments, there is no history of my previous ones to Genesis Lending, nor has it been reported to credit bureaus about on time payments. I do n't understand why I still need to make payments if this was a scam and the school forced this loan on me.
I received a call in XXXX of 2017 about a XXXX past due account. I told the caller I didnt order XXXX and never resided at address that account was associated with. The caller asked for my last four SSN to verify that I wasnt the person they inquired about and I gave it to them not realizing what I had just done. After receiving a collection notice on my credit report i called XXXX to dispute the charges and they had me fill out a ID Theft Affidavit which i sent to them in XX/XX/2017. The collection was removed from my report only to be placed back on with a different collection agency this month. The amount thats in dispute is {$1900.00}
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA.

This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2018 Amount : {$600.00}
I applied for a credit line increase with my existing United Chase credit card. I was denied an increase because of failure to pay past debt with Chase from XX/XX/2008. That is perfectly understandable, but that information was not obtained from my credit report it came from WITHIN Chase. Reason is that it DOES NOT exist on any of the three credit reports. With that said I understood from when I asked for the increase that a inquiry by Chase in to my credit report was granted by me when asking for the credit line increase. But what I feel is completely wrong is that they took two credit reports one from XXXX and on from XXXX. Needless to say they needed NEITHER report because they based their decision by the information Chase had with in house from me having past debt with them. I am not complaining that I was turned down for an increase nor am I complaining there was a credit report taken. I understand the process. What I am upset about is that they took two reports one from two different companies. I asked them to withdraw just one of  them and all I got was double talk that they are ONLY CONSIDERED one report.
XX/XX/2018 found a hard inquiry on my credit report that I have no idea about. Tried calling them and they wanted my card information to sell me a XXXX gift card..after refusing many times I asked for the fraud dept. The number they gave me was XXXX which is the number for information, I tried calling back and they blocked my number. I have called trans-union about this and they said they can not help. I called the Fed. Trade Comm. and they haven ; t helped. I just want this hard inquiry off my credit.
I never finished the program they had me audit the Program to get back into the class then told me there was a waiting list. I never had counseling. They gave me the loans I have not been able to pay them they have been on deferment over and over because they make my payment higher than half my salary. My loan is atleast 10 years old and constantly accruing interest. I do t have specific dates right now. To be honest I email Navient every few months no reply or help yet
On XX/XX/XXXX I called called carrington mortgage regarding my escrow refund that had been returned by my bank. I incurred various bank fee because this check had been cashed the week prior. I was told this was a bank error. Then I was told It would have to be researched after I provided proof of the returned checks. I went back and forth with carrington for over a week. They told me it was okay to redeposit the check and it was returned again and I have incurred more fees.
I have not received any notices or letters from them before putting on my credit report. This is not proper way to contact the client to resolve the issue.
XXXX XXXX XXXX XXXX ... they call my work number almost every day ... this has to stop
I have informed Equifax numerous times via online dispute, fax and certified mail that some accounts on my credit file are reporting as if I am or have previously disputed them in which is incorrect. The creditors stated that Equifax is responsible for updating their records in a timely manner after information is submitted to them. The only disputes that I have about the accounts is that they reflect as if they were or are in dispute. I have requested for the additional information to be deleted from the accounts from my credit file.
I logged in my credit report XXXX XXXX 2016 and my mortgage late payments were removed and now they are back on there which has brought my credit score down.
I was recently in XXXX, XXXX travelling and I let Wells Fargo know of this ahead of time. My second night in XXXX I went for dinner and drinks and when I checked my account the next morning, roughly {$1400.00} was taken from my account through fraudulent activitiy. 

I immediately called Wells Fargo ( My bank ) and clearly indicated that I did not make this transaction and that it was fraud. I told Wells Fargo that the only feasbile way I could think of this happening was when I handed my card to someone for a small transaction. Apart from that it could have been a scanner on a fake ATM or something. 

The agent at Wells Fargo recorded my claim as a " transaction dispute '' since I was given a credit receipt. After looking into the claim, Wells Fargo issued a " credit card reversal '' and took the money back because my account did not reflect any charge whatsoever. I do not know how they managed to steal my money but, they somehow did and Wells Fargo is now refusing to reimburse me. 

I indicated to Wells Fargo that this is not a clear cut case of no receipt no reimbursement, rather they need to look into it, they can not just refuse to refund me. The evidence I mentioned to them multiple times : The fraudulent charges are {$600.00}, {$530.00}, and {$260.00}. Way outside my normal spending habits and way more than anyone needs to pay in XXXX given the exchange rate. 
My friend was also a victim and he contacted his bank ( XXXX ) as well. His bank refunded him the fraudulent charges and closed the claim. His claim, exactly the same situation as mine, can be used as support for my claim. 

Finally, added to this is my own financial problems which after Wells Fargo issued the reversal, my account dropped into the negative and I was hit with multiple overdraft fees. 

I can not believe that a bank is able to refuse to reimburse me on a clear cut case of fraud. I understand that they have their own processes involved but Wells Fargo has refused to look into it and has permanently closed my claim. 

Please let me know if there is something I can do to recover my money. 

Thanks, XXXX
I am an XXXX XXXX military XXXX serving in the XXXX. In early XX/XX/XXXX I applied for a Barclaycard Luxury Gold Card, specifically due to their generous SCRA benefits. I was approved, and immediately asked Barclaycard to apply SCRA benefits to my account, which they did, sending me a letter stating, among other things, that " While you 're on XXXX XXXX, the following terms apply : The APR for all balances have been lowered to 0.0 %, All fees, including annual fees, will be waived. '' The letter ( and representatives with whom I spoke ) were clear that these terms would not change regardless of future Barclaycard policy changes, however I just received a letter stating that I will be required to pay a {$990.00} annual fee beginning in XX/XX/XXXX. In this letter, Barclaycard claims that CFPB agrees with their decision, essentially meaning that service members who signed up for this card with the guarantee of certain specific benefits now have no recourse - I find it hard to believe that CFPB would make or support such a decision.
Transunion had a computer glitch that caused all of the inquiries on my credit report to be deleted and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I contacted Transunion on XX/XX/XXXX and they would not remove the inquiries. I am requesting that the reinserted inquiries be permanently removed from my credit report. Here are the following inquiries that were deleted and reinserted : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
I am a co-signer on XXXX of my daughter 's private student loans with Navient. XX/XX/2015 I realized that my daughter 's loans were six payments late. I made a good faith effort to bring them up to date by making a payment of XXXX. 
I spoke with Navient specifically about my co-signed loans only, and not the ones my daughter and her mother had signed separately. On each call Navient kept pushing and referring to my daughter 's total loans and not my specific loan payments. 
On XXXX/XXXX/15 I Spoke Navient to reduce my payments of XXXX per month. I gave Navient my debt to income information along with my own Federal student loan debt and my need to pay medical bills for XXXX XXXX. 
On XXXX/XXXX/15 I was told my payments could be reduced to XXXX per month and then a few minutes later I was told that my daughter entered into a loan reduction program that she canceled an due to that cancellation I would not be able to reduce my payments. This is not a miscommunication it 's something else, the loans that I co-signed on were never a part of a loan reduction program established by my daughter or myself. 
On XXXX/XXXX/15 I was told by Navient that there is no way possible that I can reduce my co-signed loans, and also that in order to be removed from the loan as a co-signer that I would have to sign a co-signer waiver and pay a onetime fee of XXXX dollars in one payment to be removed as a co-signer this is not a miscommunication, if all phone calls to Navient are recorded then this would be easy to prove along with Navient 's web site that states that after 12 of on time payments a co-signer can be removed as a co-signer. 
For most of the time these loans existed I was XXXX Military XXXX, I was retired medically with XXXX and at no time was I given an opportunity to reduce payments due hardship or any other reason. If this is n't predatory lending than nothing is. Whether Military, XXXX or Just a U.S. Citizen no one should be treated in this manner. I wish I had enough money for an Attorney.
XXXX XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX