WillisBack/dataset-financial-user-claim huggingface dataset:
In correspondence dated XXXX XXXX, 2017, I mailed this credit repository my request for a dispute, as my credit report contained an erroneous entry. Now that over 30 days have passed I have found this company barely investigated the item and my report is still largely incorrect. In addition, when I reached out the data furnishers to request for validation documents, I did not receive anything to validate the entry. Instead, they requested me to fill up a form and send additional information. From what I read online, FDCPA requires collection companies to provide proof/validation documents upon consumer 's request within 30 days. Another thing that I do not understand is XXXX REMOVED this invalid entry from my report. My credit has been damaged due to this incompetence, negligence and none compliance.
Company is XXXX of XXXX, TN and Healthcare Revenue Recovery Group ( HRRG ) of XXXX, FLHRRG phone number is XXXX is with XXXX XXXX XXXX HospitalXXXX XXXX XXXX XXXX XXXXWhat Happened : I went to urgent care on XXXX/XXXX/XXXX and paid the {$20.00} co-pay required by my health insurance, XXXX, to XXXX XXXX XXXX Hospital XXXX. In XXXX, I received a notice from debt collection agencies XXXX of XXXX, TN and Healthcare Revenue XXXX Group ( HRRG ) of XXXX, FL saying that I owed {$20.00} as payment for the " physician 's fee. '' Prior to that time, the only invoice I received for the treatment was from XXXX XXXX XXXX Hospital where the urgent care is located. 

In several calls to XXXX and HRRG, I explained that I had already paid my co-pay and I 've been told repeatedly by the collections agents that " it does n't matter, you owe the money. '' They have refused to send me an invoice or any explanation of the need for the XXXX co-pay. 

I have checked with XXXX who 's confirmed that I owe only XXXX co-pay of {$20.00}. On XXXX/XXXX/XXXX, I sent a letter to HRRG explaining this, providing proof of my healthcare benefits ( and thus the co-pay ) and a copy of the payment made to XXXX XXXX XXXX Hospital. XXXX has said that this is an issue between the physician and the hospital and I conveyed that to XXXX and HRRG in my calls. 

On XXXX XXXX, XXXX, I received another notice from HRRG saying that I still owe the {$20.00} for physician 's services ; the letter did not acknowledge my letter of XXXX/XXXX/XXXX. When I called HRRG on XXXX/XXXX/XXXX the agent with whom I spoke again refused to send an invoice and could not clearly explain the need for me to make a payment to the physician. She was rude, interrupted me and when I asked about my letter, she simply said, " It does n't matter, you need to pay. '' No other explanation was given. 

If this is a real debt, there should be no hesitation in their providing copies of the invoice and a written explanation that responds to my letter. 


Resolution Requested : As resolution, I would like assistance with getting HRRG and XXXX to clear my debt and the record of my debt as I do n't believe I owe it. In addition, I would like for XXXX of those companies to stop contacting me about this debt. 

I would appreciate confirmation of your receipt of this communication. I 've sent under separate cover ( via fax ) copies of my letter to HRRG, my medical insurance benefits evidence and proof of payment of my co-pay.
I contacted USAA to report a deposit that was put in my account on XX/XX/2018, the USAA reps were not able to identify who or where the transfer was from, they then locked my account and prohibeted me from access any of my own money. USAA then told me that it would be 2-3 business before I could have access to my account or my money. I made several phone calls to USAA and went to the XXXX XXXX and no one helped me to get access to my own money, even after I explained that I had no money and I had no other bank account. I explained that I could not wait 2-3 business days to buy gas, food and supplies. Despite the fact that this coming Monday is a holiday and will delay the broken process USAA has in place, nobody at USAA assisted me or attempted to give me access to any of my own money. Pentalyzing the victim is a crime in itself.
I already filed a complaint about multiple credit card and debt collection companies. One of the companies was Capital One ( card ending in XXXX ). Capital One had a debt collection company send me a letter today, XX/XX/2018. It's a different debt collection company than before : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
On XX/XX/XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XX/XX/XXXX.
OnXX/XX/XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. OnXX/XX/XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for onXX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today,XX/XX/XXXX, I  received an updated credit report from Experian showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).
I made a payment on the highest interest/highest amount loan. A few days later, I saw I still had {$40.00} to pay on that loan. I called and asked why, and was told that I did n't choose the option to " pay off loan '', I simply made a payment. I was frustrated that the option to " pay off loan '' was not in a clear and obvious location on the website, and that I was never told about the differences between the two options. When I spoke with a manager, I was also informed that the loan amount reflected on my screen is not an accurate reflection of my loan amount. I was told this gets updated only 1-2 times a month. This makes it almost impossible to have confidence that I can pay off my loan for good. It is also dishonest and irresponsible of Fedloan Servicing to not provide borrowers with accurate, clear, and accessible information on our loans. I was very fortunate to speak with a manager who understood this and explained to me in a clear, honest manner. I would urge Fedloan and the department of education to change dishonest practices implemented to keep borrowers in debt indefinitely for lenders ' benefit and instead create a system that accurately reflects loan amounts.
I had a XXXX card I paid it off and than I move I request a new card and they send it to unknown addresses I call and now I have a bal and a late fees it took me 3 call before they got my correct address and now XXXX  want me to paid for they error since they send the card to a different address I still do n't know how they charge it so many times and XXXX  expect me to paid
I have written the collection agency about a fraudulent they are reporting on my credit file. I sent a dispute to XXXX and provided both agency my Identity theft affidavit along with my police report. The collection agency did not ignored my document and verified this fraudulent account to be mine and never responded to my request and dispute. they are causing me a lot of distress. I have been wrongly denied credit due to their false reporting and negligence
Each credit bureaus are showing different Status. I am on Social Security XXXX. There is a federal loan and student loan Showing past due and diligent payments. I went through the process to go through XXXX discharge process. I went through XXXX. I had a doctor fill out the documents and state I am XXXX. On XX/XX/17 it was approved. On my credit report it shows Dept of education has no late days and was brought to current. But the Federal loan is still showing as late and in Delinquent status. This is hurting my credit score. They should all be the same on all reports and they are not.
On XX/XX/XXXX I had made a purchase with my synchrony XXXX credit card, and they closed my account after the purchase saying I was inactive for too long and dropped my credit score over 100 points. Synchrony doesnt care and says they can not restore the account and that I would have to open a new one. This is highly unfair and I feel powerless as a consumer. Ive worked so hard to maintain a great credit score and this happened. Please help.
On XXXX XXXX, when a mortgage loan was in process, an account that does not belong to Diversified consultant # XXXX that collects a lost balance with XXXX XXXX of XXXX was reported. This information reported incorrectly is adversely affecting the process of the purchase. I need to correct this information immediately and be awarded to the person
In XX/XX/2018 I took out a {$3100.00} personal loan from Cashcall. The terms were {$340.00} per month for a duration of 47 months.The agreement states that there is no penalty for paying more than the monthly amount. So in XXXX I made the first payment of about {$200.00}. In XXXX I made the required {$340.00} plus an additional {$1500.00} to cut the loan in half and lower my monthly payments. To my surprise CASHCALL CHANGED THE TERMS OF THE LOAN WITHOUT MY CONSENT from 47 months to 7 months and they are refusing to adjust the monthly payment to the lower amount now owed. So I refused to make any payment until my account is corrected or until they abide by the terms of the agreement. I received a letter / email from their legal team asking me to agree to a modification of the original agreement. I declined. Now they are reporting me as delinquent and ruining my credit. These personal loans are insanely expensive due to the high interest rate. But by paying off a big amount and keeping a low payment, the account can be a positive boost on a credit for the remaining time of the loan. So this loan could have been a positive thing for me. Now it's turning into a nightmare and ruining my credit incorrectly.
Requested proof via certified mail.Never received any documentation. Never was informed or validated. Falsely reporting the open date on my credit, when it is years old. Violation of the FCRA. Refused to provide me any documents.
XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would post within a day o r two, bu t then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporting company, tha t one of my payments had been listed as default of 30 or more days. I find it extrem ely odd that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected
When I am even 1 day late on my payment they will call my phone over 10 times a day until payment is made. I have asked them a few different times to please quit calling me 10 or more times a day and nothing has been resolved.
I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XXXX XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.
Personal data was exposed in data breach. Equifax has left my family in I vulnerable for the rest of our lives. Something needs to be done to fix this.
Today I am writing to see if you can help me with a bank that is completely ruining my finances and lieing and stealing money from me! On XX/XX/XXXX I ordered from XXXX the a total of XXXX, there was an issue with other I was refunded XXXX on XX/XX/XXXX and never appeared back to my account. I called XXXX thinking maybe an issue on there end and nope it was citizens bank, they gave me all the information I needed to verify with the bank. But instead of citizens helping me they kept taken XXXX out of my account everyday for overdraft, finally I filed a complaint, and the manager said I am so sorry we where having issues that week with refunds going into accounts, he told me my refund would be back in my account in a couple days along with overdraft fees totaling up to XXXX! A few days later I recieved a email from XXXX stating they have to charge me back because citizens demanded there money back and it was fraud!!!!!!!!!!!! It was not fraud it was my refund I then explained to XXXX and told me I had to contact bank where I have gotton now where but lies! My auto insureance was canceled due to them taken out overdrafts frees and not returning my refund! This is fraud on there part!
I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the  representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.
This medical expense was paid ( it was fee of {$160.00} ), but they sent it to a debt collector and now it has shown up as an " adverse account ' affecting my overall credit.
I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX County small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX for a debt. In informed them that I was no longer a resident there and lived in XXXX, Indiana. They informed me they would let the filer of the suit know. 

I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office XXXX XXXX XXXX who was handling both debt accounts. I contacted XXXX XXXX XXXX and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy. 

I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me.

My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed XXXX XXXX XXXX as well as the county court office that I no longer resided there. 

I attempted again to contain Midland to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe. 

I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
I worked very hard to get my private loans paid off and my federal loans consolidated with XXXX XXXX, and to keep myself in income based repayment. As soon as Navient took over, they continue to put me in forbearance and/or deferment even though I qualify for both income based and public service forgiveness. Because they have not held the interest during forbearance, by interest now comprises half of my total debt to them. I have made many good faith efforts to fix this, all to no avail, and have resorted to hiring a law firm. Navient should pay my legal/document preparation fees.
On XXXX XXXX 2015 there was a car accident theses bills were paid according to the XXXX insurance companies collection agencies are harassing I was told this account was paid I trusted and believed this to be true and correct Plus this collection agency is calling my cell phone daily
I screen all my calls from unknown numbers and do a simple google search after the call has been missed. This is the second time XXXX XXXX/Navient has called before XXXX recently ( like within 3 months ) first was only XXXX minute before XXXX, but this time was about XXXX minutes before XXXX. There was no message left. This particular time caller id showed XXXX ( XXXX ) XXXX XXXX, IN.
I've asked Experian to remove the XXXX XXXX XXXX account for XXXX it shows a balance of {$6700.00} the account was opened fraudulently back in 2008 well past the time frame that an account can stay on my credit report so why is it still being reported in addition to that you say it's been verified accurate but you have not provided any proof to me what proof do you have? I want to see it just saying it's accurate doesn't make it so There are also two XXXX XXXX XXXX one is showing a balance of {$6600.00} the other one is showing a balance of {$2400.00} again these accounts were opened fraudulently why are they still showing up and I've asked you to show me some proof or remove them and so far Experian just keeps reporting them but you haven't shown any proof if they belong on my credit report what information are you using because these accounts were opened fraudulently these three accounts have been removed from all the other major credit bureaus yours is the only one that these are listed on tell me what I need to do to have them removed I'm not trying to be rude but I'm going to keep fighting you until you fix my report
I sent a {$93000.00} payment to Navient to pay off my student loan. I wrote my account number on the check and submitted the check in with the payment form to the payment address on their website which was XXXX XXXX XXXX, XXXX Pennsylvania. I sent the check certified mail and they signed receipt for the check on XX/XX/XXXX. They cashed a check on XX/XX/XXXX and did not credit my account. It is now been more than a week since theyve cashed the check and they said they need to do more research to link the check to my account ( my stepfather wrote the check for me, but it had my name and account number on it ). Ive spent several hours on the phone with them. They have almost {$95000.00} of my stepfathers money and have not credited my account. It is causing exceptional stress on all of us. Navient just says that the check is in suspension mode. They are asking for proof that the check cleared. I uploaded a screenshot of the bank account showing the check number and cleared amount and date two days ago and its still not resolved.
I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly XXXX points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.
this company obtained my information without my permission and has been harassing me for a medical debt in the amount of {$160.00} that I did not sign anything agreeing to pay this with their company.
There is an address listed on my credit report that I have never lived at. The address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I do not know whete this address came from but it is over XXXX miles away from me. Thank you.
The contract was taken over the phone and the company advised that I would receive a copy of the contract which I did not. I received a {$500.00} loan and the payoff was {$620.00}. I calculated the number of payments made and noticed I paid {$850.00}. When I contacted  XXXX   XXXX  they informed me that the withdrawals on my account would continue until   XXXX   XXXX   XXXX     which would have me paying them back over {$2000.00} on a {$500.00} loan. The representative advised me they only way I could stop that is to pay them an extra {$620.00} which I refused. I closed my bank account to prevent any further withdrawals because I have paid over the amount agreed and was not provided a copy of the contract which outlines I would have pay the balance in full as oppossed to installments and they certainly did not outline that clearly in the phone conversation or else I would not have agreed to take out the loan. Please assist me with having this company cease and desist with all collection and reporting activity concerning this paid loan.