WillisBack/dataset-financial-user-claim huggingface dataset:
On    XXXX   XXXX  , 2017   , I sent a letter to A ccount Resolution Service  to send me information on collection accounts on my credit report for {$1200.00} and {$980.00}. They are on my credit report as medical accounts. I asked ARS to get me the doctors visit registration sheet copy for those  two  accounts. When I go to a doctor, they give me a sheet to fill out in which I write all my personal information and my insurance information. I requested a copy of the those documents because this will show them that I did provide insurance, therefore those accounts should not be in collection and should not be on my credit report. In response they sent me a letter on   XXXX   XXXX  ,  2017   , stating that they confirmed there 's an outstanding balance, however they did not send me the signed documents I requested. On   XXXX   XXXX  ,  2017 , I replied to them that their response is not a verification of debt and again I requested the medical office documents. As of today   XXXX /2017   , they have not replied. The letters ARS sent me is showing the creditor name "  XXXX   XXXX   XXXX   XXXX   XXXX  '' which I do n't know who they are, the letter does not show the Doctor 's name or address, just an invoice number and a balance. How can I investigate where this debt is coming from, if they are billing me without telling me which doctor 's the invoices belong to.
Portfolio Recovery Associates filed a Summons And Complaint against me. The complaint stated I owed them {$670.00}. The case number is XXXX in the XXXX Judicial Circuit Court located in XXXX, MI. 
During pretrial the lawyer representing the law firm attempted to use computer generated statements and I stated they were hearsay. The lawyer then produced an affidavit.I can not remember the Affiant 's name. I asked the plaintiff ( PRA ) if I could question the affiant and also requested the original assignment agreement between the original creditor and PRA. 
The judge allowed it and set a trial dated. Shortly thereafter I received a dismissal filed by PRA. 
My complaint is this. They dismissed the case because I believe they did not have the legal right to sue for the full amount. Which is why I asked for the ORIGINAL assignment agreement. This agreement typically says how much the assignee can sue for. Never the full amount. PRA is still reporting this on my credit reports. I believe this a violation of The Fair Credit Reporting Act. 
I also believe their Affidavit process needs be investigated. In 2010 they had an employee signing a deceased woman 's name ( XXXX XXXX ) and had been for over 15 years.When the person who signed the affidavit was questioned. She stated that they signed so many affidavits she didn't think anyone would notice
Originally the 1st year there were no problems in XXXX, however, when I recharged up my XXXX I had {$200.00} of credit in XXXX now they will not credit my account correctly to ever pay my account down. In XXXX XXXX I owed approximately {$270.00} per the statement if I paid all minimum amounts due which I have in 3 years it would be paid off. I have paid all minimum amounts due every month and on time all months since then except 2 months so only for 2 months should I have had late fees and other fees. All other months were paid 1-4 days early and no matter if I paid in the store, by mail or online directly to XXXX XXXX even if they promise to charge no more late fees still they do. So today my account is over {$820.00} on many occasions I have complained to them still they will not credit my account properly without adding all kinds of late fees and other fees. 
Then in XXXX they sent me a special notice my credit was available for {$350.00} and t go shopping for XXXX. I had not charged anything all last year. So I paid my friend to drive me & spent over an hour made sure when entering the store I had {$350.00} credit they said yes. Then they denied me since I could not find my card so I found my card they had made me put back all items so I spent another 1 hour finding my items again and then they denied me again saying my balance on my card was too high ( of course because they did not credit me properly and added on too many late fees when my payment was not late and too many other fees. Now they took my credit score from XXXX to XXXX last I checked. I am very upset over this. Can you please help me? Thank you. 

Sincerely, XXXX XXXX
my capital auto loan is being hacked for the second time not allowing my automatic deduction to come out of my XXXX checking account what kind of online security does capital one have it seems to be the worst around. now my auto loan is going to show a late payment because they have the poor cyber security
I tried to pull my free credit report from XXXX XXXX XXXX for Experian and got the following error : A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form.
They tell me my loan will be forgiven after  ten y ears and then you talk to another representative and they say  twenty  years. It started out with  eight  years. I 'm so confused. My loan is increasing instead of decreasing, even though I have auto pay. It went from  XXXX  dollars to  XXXX  dollars in  one  year! I wish I had never went into forbearance like they suggested in  XX/XX/XXXX . I have record of paying sinc e  XX/XX/XXXX , i t 's on my loan site, I followed their advice and it only made paying back the loan worse. Still to this day, one person says one thing ( in the same company ) and another representative says another. I think they are trained to do that. I just want to pay my loan off. I was even told one year ago in  XX/XX/XXXX , by someone  XXXX  at   XXXX   XXXX   on  XX/XX/XXXX , that I only had 100 more payments to go, because I had already made  twenty  payments and now I 'm just getting the run around. Not sure what is going on. Something about paying  XXXX  dollars in order to do something, not sure. Bottom line, I should never went into forbearance or try to get help with this forgiveness program. I would have walked to work if I had known all this was going to happen.
My father passed away and had a Bank of America Checking and Savings account that was " POD '' payable on death for myself and my sister. I went to the Bank of America Branch at XXXX XXXX XXXX XXXX in XXXX and give them a copy of the death certificate and the last bank statement. The person there said " we will contact you by mail. 2 weeks past and I did not get anything in the mail. I went back to the branch and asked when I am going to be contacted? They said they did not know and said " to wait longer. '' They also refused to give me any current information about the account, such as balance etc. I asked where the people are who are going to contact me and they said " they did not know. maybe in Texas or XXXX XXXX ... '' Another week went by and I went back to the branch. They gave me a phone number and a " reference number. '' I called it and was switched to a stock broker at XXXX XXXX named XXXX XXXX. There was a investment account associated with the checking and savings account, however I was previously told by Bank of America staff that : " the checking and saving account POD only applied to those accounts and not the brokerage account. I still have not gotten my share of the balance from the checking and savings account. Bank of America has yet to " contact me by mail. '' I can not get any documents relating what was set-up by my father, or the relationship of the Bank of America accounts, the Merrill Lynch account, Another bank where my father had an account paid the POD account within 5 days of the presentation of the death certificate. Bank of America has deliberately delayed paying the POD savings and bank accounts, and has had conflicting information on the accounts and the processing of my request. This involves both a checking and savings account at B of A.
Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which ATT, placed my XXXX XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit report.
Turned down for credit they are so many names on my report. My name is XXXX XXXX XXXX XXXX.
this was a court hearing I did not get to attend and I am getting garnished for something that is not mine. the case was filed on XX/XX/2016 in which I had no idea because of a change in mailing address at that time. the signatures that they have had on file are not mine. this was removed even from my credit report as fraud.
Forbearance plan was put in place after Hurricane Harvey. I was already 2 months late before I called and requested assistance and had over $ 5K of late fees on my account. I was called and offered the plan and was told over the phone that if I make 12 monthly payments of {$1800.00} ( Normal payment was {$1300.00} ) starting on XX/XX/XXXX and didn't miss any payments the whole 12 months, I would be all caught up and have no past due payments and all of my late fees would have been paid off as well. I was very worried about the large payment, but I had no other choice at the time. It was a hard 12 months, but I was able to make all of the payments on time and made my last payment this past XXXX. I even called them early in XXXX to validate what I was told and that after I make my XXXX payment all past dues and late fees would be paid off and my normal payment of {$1300.00} would resume and be due on XX/XX/XXXX.  They told me " YES ''. Even the automated system said after I made the XXXX payment that my next payment due is in the amount of {$1300.00} and is due on XX/XX/XXXX. Now they are totally changing everything up on me and telling me that I still owe the late fees and that all of these payments I've been making all year were going to the past due amounts that I had before Harvey and that even though I made large payments in XXXX and XXXX it still shows those months as being not paid. I asked to speak to the person who set up the repayment plan and was told they no longer work there. Now when I go online it no longer shows that my next payment of XXXX is due on XX/XX/XXXX.  It now shows that it is due for XXXX and I am two months late on payments. RIDICULOUS. WHAT CAN I DO?
Western Finance in the amount of {$1700.00} this company has stated that file lawsuit if I do not respond within 5 days
On Friday XX/XX/18 I went to XXXX XXXX XXXX in XXXX XXXX. I was interested in lowering my current payment, and transitioning into a XXXX vehicle. The salesman was very nice and honest, and then his manager XXXX came out to talk to us. He explained he would have to do a soft pull of my credit in order to give me a roundabout of what he could do for my situation. I told him I didnt want my credit pulled and could he provide me with a roundabout estimate of payment if I provided to him my scores, he stated do you know all three of your scores I stated yes. I provided him my 3 scores and he wrote it down and went in the back. It was around XXXX so my friend and I told him to call us and let us know what he came up with, he stated the payments are looking about {$400.00} with no money down. I walked out assuming he would call tomorrow with final deal. On the morning of XX/XX/18 I checked my score due to receiving an alert that my score had changed and to my surprise my credit had been pulled from XXXX XXXX against my consent. I called the salesman XXXX immediately and he stated he was on his way in. I asked did he have his managers phone number he stated no and that he doesnt come in until about XXXX. He insisted for me to come in and check out the vehicle to purchase, however I was more concerned about my credit drastically dropping in points. I made my way to the dealer and saw the vehicle, I didnt like the vehicle because it was a XXXX vehicle yet it had less perks than my current vehicle. XXXX ( XXXX manager ) came out showing papers claiming he never pulled my credit. XXXX stated to me alone He probably pulled your credit and forgot he did it At that time i was told to sign the credit authorization form in order to proceed. There was no deal they were able to work out for me and a vehicle and my credit suffered, even when originally my credit was not to be pulled. They pulled my credit illegally and I will like my score to go back to my original score of XXXX.
I was laid off from my job for the second time and decided to go back to school. As I went through they were lookin it my and my husbands income as well. I needed to get a full-time job, so when I went back to working full time they told me I had to start paying off this loan. I 'm XXXX XXXX less than half of my paycheck and is very burdensome. I struggle every month trying to pay that bill as well as my other responsibilities, i.e., my monthly bills. 
If I could get some of my {$66000.00} debt of student loans, and parents plus loans down, this would help me tremendously. I 'm trying to go back to school to earn an XXXX, but I will be XXXX or XXXX years old before I am able to even think about not having to pay any more educational loans.
Subject : Claim number appeal  XXXX  To whom it  may co ncern : I am  XXXX   XXXX  POWER OF ATTORNEY and   XXXX   XXXX   advocate.   XXXX   has a valid claim under the fair credit billing act and also due to the fact she rented  a drive w ay for a month see attached lease and those services were not provided and she had to move. She has provided you several times with these facts and proof.  See  attached new warrant against merchant. If you do not properly investigate this matter I will have no choice then to involve CONSUMER FINANCIAL PROTETION  BUREA  as  XXXX   XXXX  paid for  XXXX  rent and did not get the money back as it is illegal to live in  someones drive way  with a recreational vehicle. You are violating her rights as a cardholder under the fair credit billing act.   Govern yourself accordingly, Respectfully,  XXXX   XXXX
I am writing about Ocwen Loan Servicing , LLC . Ocwen aquired my mortgage loan from GMAC in XXXX XXXX. Without any correspondence with me, it immediately removed my hazard insurance policy and replaced it with one that was six times higher and overcharged my account by {$500.00} each month. In XXXX XXXX, I requested an escrow analysis and that my original hazard insurance policy be reinstated. My original insurance was reinstated. However, Ocwen continued to overcharge me for the next 12 months. At one point, there was a {$5000.00} surplus in my escrow account which it refused to refund to me. Recently, the surplus suddenly disappeared.
Equifax is allowing XXXX or XXXX or in Equifax case no name collections to report on m credit file in Breach of the HIppa laws Privacy act also MY XXXX was paying this so this company has no legal right to report Equifax is allowing them to do so and sharing this information with out the my consent MY medical records are mine and can not be shared for any reason my medical bills are part of that record.
We continue to get automated calls from LEADING EDGE XXXX at our number, although we are new customers assigned the phone number.
Equifax wrongly changed my last name on my credit report, and deleted all of my previous credit history, and started a new credit report. After several attempts of explaining the situation, XXXX supervisor found my old report and promised to combine with the new XXXX. They had XXXX credit reports for me with the SAME ssn. I initiated a dispute to have this corrected, they only updated my last name to the correct XXXX. ALL of my previous credit history is gone. I have been denied credit due to Equifax reporting my credit history incorrectly. It shows that I only have XXXX months of credit history, and I am XXXX years old with a mortgage, car loans, credit cards, etc. All of this showed on my credit report as recently as XXXX 2014. None of it shows now, and it is all current information.
I requested PayPal to send me a check of {$500.00}. Estimated arrival was 2 weeks and it has been 2 months already with no check arriving, yet they still withdrew the funds from my account. I called and asked them to cancel the check and refund the money to my PayPal account so that I can transfer it. 

Their solution? I need to wait one week for the to trace the check and cancel it. After waiting a week they will then notify me of a timeframe in which they can reimburse me my money. 

This business practice is almost criminal. I never withdrew my money, I never cashed a check, yet the money is gone from my account. Why do they need to track the check? Why does it take a week to cancel it when it takes me a couple minutes with my bank? How come they ca n't give me a timeframe of when I will receive my money and why do i need to wait months to withdraw money that is mine? Absolutely ridiculous!!!
PNC  bank has charged me a late fee on several occasions when I am making my payment on time. I was charged a late fee but my payment was not late even after the bank sent the payment on time. I have had the worst customer service from this bank. I was told I would be sent a passcode to access my account online. I receive the code and it never worked! I am so upset about this. I have not been able to view my account online! I have never seen a more complicated online process. Acct #  XXXX
One Click Cash XXXX keeps contacting me after several cease and desist letters had been sent and verbal notifications have been done.
Dear Credit Reporting Agency, Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

Account Name : XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX : XXXX
This dispute has been faxed twice already and I have had no response from the CFPB or Equifax. The information required has not been supplied as asked for. A generic answer was supplied but, it does not answer the disputes question. until I get a satisfactory and accurate answer, this question/dispute will be repeated until it is answered. 
The CFPB has ignored my dispute in this matter.
XXXX XXXX/XXXX XXXX is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to credit.
I am disputing the following account as creditor is unable to verify debt in its full truthfulness. As his debt collector is not entitled to collect on a debt in the state of Florida.
I borrowed a total of {$57000.00} in private loans beginning in XX/XX/XXXX from XXXX XXXX. I have payed XXXX XXXX/Naviet over {$50000.00} to date. As of today my principal is about {$67000.00}.
I began paying my loan in XX/XX/XXXX. I needed to lower my payments and I was introduced to an interest only plan. When the interest only plan was expiring I received a letter from Naviet in XX/XX/XXXXto call for lower payment options. After speaking with several representatives I was told that I do not qualify for any lower payment options. I wrote a letter to the corporate secretary to explain my financial situation and the unprofessional way I was treated. As a result, an advocate reached out to resolve the issue. I was told that they would lower my payments by extending my payoff to thirty years instead of twenty-five. I was comfortable with the new payment. As of today my payments have been increasing rapidly. I realized that my payoff is indicated in my account summary as an ESTIMATE for the year XX/XX/XXXXwhich is not thirty years. I reached out to the corporate secretary and an advocate on XX/XX/XXXX about the payment increase and my term is not thirty years. XXXX XXXX a representative for Navient reached out to me and told me that she will get back to me about making sure my payoff date is for 30 years. I have not heard back from Navient since that phone call two weeks ago.
I found that {$300.00} was taken from my account almost over a month ago now. I live in XXXX MD and this transaction occurred in XXXX at an ATM. I was never near this location at all. I called the company immediately as soon as i noticed the funds were deducted from my account. I filed a police report immediately. The same day i submitted the police report and a formal dispute with Rush card. They told me there is nothing you can you will have to wait 10 days for our investigation and on XX/XX/2017 you will get a provisional credit. I called to check the status and they advised i will not be getting a provisional credit because they found no suspicious activity. I have phone recordings of the representatives repeatedly telling me i would get a provisional credit today and was never told anything about the investigation. I would call and be hung up on by multiple representatives and put on hold for two hours at a time being told there is no manager or there is no supervisor then being told that the manager is in a meeting that they dont know how long will last. I was promised calls backs at least 10 times from managers i never received. I have been a customer of this company for 4 years and never had anything like this happen because i protect my information. i dont believe this card company has done all it can to protect my information and this is why this is happening. I was left with my money for over a month now and my children need things. I advised the company of this and asked if there was an expedited process and i got the run around and got hung up. i was forced to wait on paying important bill and now i still dont have my money back. I know my rights and i have given this company everything that they have asked for. I used my card in XXXX Maryland around the same time it was used in Pennsylvania according to rush card representatives. how can i be in two places at one time this is impossible. i did not authorize this transaction and i would like to take legal action against the company.
Dear CFPB, In XX/XX/2018 I received an offer from Citi for an XXXX XXXX credit card for which I could get XXXX bonus airline miles. I signed up for this card to get the miles and help my family take my mother on a trip she has always wanted to go to. 
We met the qualifying purchase requirement however never received our promised miles. After several inquiries as to why I did not receive the bonus miles I was told that I did not qualify for this offer because I had previously had a XXXX XXXX card with Citi ( though a different type of credit card ). 
It is very misleading to send offers to consumers that we can not actually take advantage of. I am attaching a copy of an offer my husband received ( he also has the same XXXX XXXX Citi card ) which illustrates my point. The offer says he can get XXXX bonus miles but he really can not get these because he already has a Citi AAdvantage card. I find this to be a very misleading practice that takes advantage of innocent consumers. 
I feel I should receive the bonus miles as promised when I initially signed up for the card and no longer receive deceptive offers.
I have received several voicemail recordings from XXXX XXXX XXXX ( XXXX ). Latest one was today XX/XX/XXXX at XXXX EST. They claim that I have an unpaid loan and need a statement from me or my lawyer. I have spoken to them in the past and informed them I do n't have any outstanding debt, and to send me a letter via mail with any statements. They have yet to do that. I asked them to stop the harassing phone calls, and that has not stop either.
Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX  onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.