WillisBack/dataset-financial-user-claim huggingface dataset:
This memorandum covers Consumer Protection, Credit Reporting, Legal Aid Request, Unfair Business Practice, and dispute for unnece ssary medical services  provided.  <P/> O n  XX/XX/XXXX   I fell and hit my  XXXX  and an  XXXX  witnessed this and called for a medic. A bystander helped me up and I was leaving to be driven home by a friend. I was stopped and informed that the medic must give me an assessment. I did not agree that I needed medical assistance. A paramedic checked my vitals ( flashlight my eyes and asked me general questions ) and we determined I was fine and I was on my way. I am now receiving a bill from Credit Bureau  Associates  for {$1300.00} for a  XXXX   ( Assessment ).   The City of  XXXX   XXXX   XXXX  - No Transport is the original creditor charging the rate of {$1200.00} for non-residents and NO CHARGE for residents receivin g medical services.  The remaining {$120.00} must be interest of some sort.   XXXX   XXXX   XXXX   XXXX  ?  XXXX  ] For what its worth, I have lived on the military installation that borders  XXXX  for almost  XXXX   XXXX .   I never received a notification of this charge ( letter, phone call, email ) despite the ambulance billing agency  (   XXXX   XXXX   )  reporting  XXXX  notices sent to my confirmed address. [   XXXX   XXXX   XXXX   XXXX   ] I am an  XXXX   XXXX  service member currently  XXXX  since  XX/XX/XXXX and  XXXX  is my insurance company. I spoke with  XXXX  over the phone today who confirmed on that date that coverage was declined since they do not approve claims of ambulance services if you are n't taken to the hospital.   XXXX   XXXX   XXXX   XXXX    ] My  cr  edit score was excellent and here we are almost a year later, I am first hearing of this and notice my credit score d rop  XXXX  points. This is detrimental to future endeavors. I must have this taken care of or the technicalities of the assessment reviewed to either eliminate or reduce the cost of this unnecessary bill. I have no record at all. Credit Bureau  Associates  agreed to attempt to mail me a copy of this bill to my  XXXX  location since I do not have access to a fax machine currently so this may take a few weeks to arrive. My best form of communication is email or I could call if required. I understand my rights under the FCRA so I am creating this memorandum for record to coordination all email traffic from this point out. [   XXXX   XXXX   XXXX   ]  A fair resolution for this problem would be to determine that medical services were unnecessary, provide proof of itemized services provided on the bill, have this bill reviewed for accuracy, remove this toll from my credit report, and eliminate or lower the cost of this collecti on.   This information has been sent to  XXXX   XXXX , Credit B ureau Associates, the Federal Trade Commission, Consumer Fi nancial Protection Bureau,  XXXX   XXXX   XXXX   XXXX  California  XXXX   XXXX   XXXX , and the California Department  of Insurance .  <P/> Thank you in advance for your time.  <P/> Best regards,  XXXX   XXXX
I called to make the XX/XX/XXXX payment on my account. I verified that the payment would only be for the amount due in XX/XX/XXXX, but the customer service rep charged y my debit card double ( both the XX/XX/XXXX payment and for the payment due mid XX/XX/XXXX ). She said that there was an issue with the computer system, but when I spoke to the supervisor she told me that it was human error. I let them know that they have over drafted my checking account and left me with negative money in my account weeks before XX/XX/XXXX. They advised that they are not able to void the charge but they can have a paper check out to me in XXXX weeks!!!
I obtained my XXXX  and Experian credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information. XXXX  and Experian has failed to provide me with the requested information, which is a Fair Credit Reporting Act Violation because they are supposed to verify with the original creditor. Experian sent a response stating that they have already verified the information and will not verify it again. I contacted the US Bankruptcy court and they said that they do not verify information with the credit  bureau. I also received a copy of my XXXX XXXX report and it does not show a bankruptcy record on my XXXX XXXX report. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately. Attached is a copy of the XXXX XXXX report showing no bankruptcy record and a copy of my XXXX  report showing 2 of the bankruptcy 's deleted and I thought that the credit bureaus use the same method of verification.
Today I was contacted from Ally Financial about a past due lease payment. The last time I made my payment I believed I had enrolled in auto-pay. When I got the call today they said I was n't and was now past due. I immediately made the entire payment, but was notified that the credit hit would stay. They made no attempt to call me previously. I am in the middle of the mortgage process and this will put a tremendous hardship on me and my living situation. Extremely frustrating that a lapse in their communication and my auto-pay not being processed will have such a negative impact as all accounts are paid.
I have been notified through XXXX website that I have been a victim of the data breach of XX/XX/2018. According to their files I have many open accounts that I have no knowledge of and do not belong to me. They are using these files as references for the security questions to gain access to my report. Because these accounts are not mine I have no knowledge of the details surrounding them and therefore can not access my own credit report to correct these errors. There are also errors regarding my name and addresses and former employment. I have made attempts through email to get help from XXXX   and I received no reply.
Navient had me on a payment program and I was paying a somewhat reasonable amount monthly. However when it ended decided that I had been on too many programs since the opening of my account. I tried multiple times to work with them on a reasonable payment plan but they could not lower it unless I sent them XXXX bank statements and XXXX paystubs. The manager would go through my bank statements to make sure I was not spending my money on frivolous items like XXXX, etc. Initially, I refused based on principal. I have nothing to hide and do not spend extravagantly but felt this was an invasion of privacy. I paid what I could each pay period but continued to accrue fees and they called me up to 15 times per day and on the weekends via automated calls even though they were closed. When they could not reach me they would contact my references that I had to list when I applied for the loan. They harassed my family and friends. They hung up on my mom 3 times when she asked to speak with a supervisor. Afraid of garnishment and worse, I finally sent my bank statements and pay stubs. This is still not a guarantee they will lower my payments. It is humiliating. I am awaiting review of my account for them to determine if my payments will drop from {$570.00} per month to {$240.00} per month. I borrowed {$20000.00} and now owe {$79000.00} after 5 years. I want nothing more than to repay what I owe, but I have so many other bills that I can not repay the monthly amount without an income based repayment plan. Taking out a private loan was the worst mistake I ever made and has made me wish I had not returned to school for my degree. XXXX ( now Navient ) are more like mafia than student loan lenders. They never stop. I have tried to consolidate my private loan debt with XXXX and my credit union but because my credit is affected by these student loans, I have been declined. I feel like I am at a loss. I borrowed money to better my life by getting my degree and a great career. Sadly, I regret this decision daily because of these loans. I hope that filing this complaint will help other making a decision about private loans.
On XX/XX/2018, at XXXX XXXX, I placed an 8 minute call to Associated Credit Services ( ACS ) in XXXX, MA at ( XXXX ) XXXX regarding a debt collection that appeared on my credit report that morning. I had received no notification regarding the debt or the original creditor to that point, and was told by the ACS rep that it was a XXXX XXXX account ( and if I had any disputes, to contact them directly ). I contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/2018 at XXXX XXXX. I was told by the customer service rep ( XXXX ) that I could pay XXXX XXXX directly over the phone. I asked whether the account could be pulled out out of collection first ( as it had only been placed for collection several days earlier ) and he said yes. I then proceeded to pay the entire amount allegedly owed by me with my debit card to ensure the collection would be resolved and removed from my credit report. I waited a couple days for the payment to clear, and several days more to see if my credit report updated. It did not. I then filed a dispute with all 3 credit bureaus, and received a response this morning showing that the collection account was updated to " Paid in full. '' I never paid Associated Credit Services -  ever. They did not have collection authority at the time I resolved the balance as XXXX XXXX had taken it out of collection and allowed me to pay in full directly to them. Had ACS exercised its due diligence in investigating disputes per the FCRA, it should have obtained the information from XXXX XXXX regarding the revocation of authority effective XX/XX/18. Without collection authority, ACS had no legal right to update the status of the collection upon receiving notice of the dispute. It should have been deleted entirely. I can prove legal damages as well as I was in the middle of refinancing my home when this issue arose and I have unable to continue with that process. As an XXXX I am prepared to challenge this violation in court if I must, as well as involve the Attorney General of the Commonwealth of Massachusetts and the XXXX if needed. I hope I do not need to take these steps.
Equifax 's poor security concerning consumer data has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. This leak happened more than a month ago, and they still are not notifying potential victims. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account. I think it is ridiculous that they only offer 1 year of free protection, and that they make us accept terms that include an arbitration clause. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Consumers should not have to file a police report to receive a free credit freeze.
Nationstar Mortgage is impossible to get on the phone. They send me letters and ask me to call my loan specialist. I call and ca n't get thru. They ask me if I want them to call me back after keeping me on hold for a long time. I give them my number. When they call, this line instantly goes dead. They post that their customer service hours are XXXX to XXXX Mon thur either Thursday or Friday ( they have listed both versions in different letters and on their website. But when I call after XXXX XXXX, I get a recording that they are closed for the day. But it 's XXXX XXXX ... they are supposed to be open for another XXXX hours. Unless the central time they are talking about is in XXXX. I am behind on my mortgage and struggling to keep up, but when I have money to send them, why do they make it so XXXX hard to call and make a payment on the phone?
I have gotten XXXX phone calls today from a number that pulls up as Southwest Credit, which is a company that I have contacted recently to cease all communications and record that I dispute the charges.
I had deposited a paycheck as I usually do into an ATM for about XXXX $ on XXXX/XXXX/2015 at about XXXX and checked my balance, where it clearly stated XXXX $ was available immediately for the account and more was being cleared by the bank as usual. Later on I went and purchased something small for XXXX $ a little bit later on XXXX/XXXX/2015 at about XXXX but today I went to check my account balance and noticed a XXXX $ overdraft fee. This is unfair as there is nothing stated on the screen regarding that I would be charged a XXXX $ bank fee. 

Im not a banker, I dont know every single tiny little detail loophole etc especially when I am not informed.
Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXXXXXXXXXX Business Information Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I have made voluminous efforts by calling, faxing and emailing Freedom Mortgage Corp. to obtain the following XXXX ( XXXX ) issues : {$1100.00} refund due me resulting from a Cashiers Check disbursed on XXXX/XXXX/XXXX from my XXXX XXXX XXXX Bank checking account to XXXX, TN. XXXX Associates who in turn made a wire transfer to Freedom Mortgage on XXXX/XXXX/XXXX for a purported closing cost deficit of {$1100.00} when I sold my home in XXXX, TN. on XXXX/XXXX/XXXX. Freedom Mortgage claimed they never received my XXXX XXXX Mortgage Payment for {$3200.00} ( Mortgage Loan # XXXX ) which I later validated by providing a statement that I paid it over the phone on XXXX/XXXX/XXXX with a Rep from Freedom Mortgage which subsequently cleared my XXXX checking account on XXXX/XXXX/XXXX. {$1300.00} due me by Freedom Mortgage resulting from an Escrow refund check disbursed by XXXX XXXX XXXX Bank to Freedom Mortgage on XXXX/XXXX/XXXX which represented a surplus in my Insurance Escrow account with XXXX. I have yet to receive my XXXX Form XXXX which illustrates the interest paid on my Freedom Mortgage Loan # XXXX in calendar year XXXX. 
Desired Resolution : Refund Desired Outcome Refund monies totaling {$2500.00} and provide my calendar year XXXX Form XXXX which states the interest I paid on my Mortgage Loan with Freedom Mortgage Corp. in XXXX.
Upon moving out of my apartment I paid all of my bills and closed all accounts. That includes my cable which I got from XXXX. XXXX said to return the hardware for the cable thru XXXX, which I did. I have the ups receipt to show that I sent all hardware back to XXXX. My credit reports were showing that I owed XXXX {$300.00}. I contacted XXXX and showed the receipt to prove I have taken care of everything on my end. They closed the debt and I waited for XXXX to delete it as well. After trying to get XXXX to delete the debt I have not been successful. I have shown them all the proof I have and still no. I am hoping that this will give me the answers I need. I would like to buy a house and this will not look good to the banks.
I fell behind with my mortgage payment around XX/XX/XXXX because my business income had decreased. I had to close my XXXX and find work. In XX/XX/XXXX I found employment. The damage was already done I had no choice but to file bankruptcy in XX/XX/XXXX. Then XX/XX/XXXX I went thru divorce. In XXXX XX/XX/XXXX I hired an attorney to help me apply for loan modification with Nationstar. This process took some time. XXXX XXXX I was denied because due incomplete application. My attorney resubmitted my paperwork again XXXX XX/XX/XXXX. This time I got approved for loan modification for HAMP. My attorney received an email from the foreclosure attorney for Nationstar stating I was approved for HAMP on XXXX/XXXX/XXXX and the first trial payments starts XXXX/XXXX/XXXX. As of today Nationstar has failed to provide the approval of the trial agreement. We have called and emailed the attorney for status of the agreement and they have failed to provide. I am asking for your help to find out if I was approved for loan modification and if yes, why is it taking them so long to provide the documents.
Navient is my service now after they bought it from I'm not sure who. It has gone from service provider and bought out by the next. Anyway I went to school at XXXX XXXX for under two years but am being told I owe Navient {$170000.00}. On a recent statement is says that the money was from XXXX XXXX in the amount of approx. {$78000.00} but now I guess in interest up to the current amount. I have never rec 'd this amount of money {$78000.00} from anyone, not XXXX XXXX and certainly not XXXX XXXX. I have asked every rep on a recorded line about this balance and none of them have any answers. I did agree to start paying on this loan although I didn't agree with the amount back in XXXX or XXXX in order to be eligible to apply for a so-called Obama mortgage program to help people get into a home program that would allow a smaller down payment. I was told that I had to start paying on these loans although I NEVER agreed to the amount. And I still don't. I need some assistance on how this loan has ballooned up to the amount of a home, and how and who rec 'd the principle amount.
It is with great fraustration that I continue to try save this home. I owned this home with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. 
I am on the deed. My name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX NY XXXX. 
The subject property is XXXX XXXX XXXX, XXXX, New Jersey ,XXXX. 
This property was occupied by Mr XXXX and shortly after with out my knowledge was rented [ and I found out that is in foreclosure. I have called SPS various time asking they give me the opportunity to save the home and the have not wanted to speak with me. 
They have rejected my phone calls and continue to proceed with foreclosure. MY name is on the deed. There are no tenants in this property. I am pleading for SPS to allow me to do a work out plan to save the property. I was not aware of this situation. 

Please advice of what can I do. I have done a lot of credit cleaning and now this is going to pull me back.
I kept getting a call from XXXX when I answer it there is no one on the other end. after several continuous calls I called them back and found out it was ERC a debt collector. I asked them what debt they were trying to collect and they did not find any debts to be owed with my name, SSN or phone number. They removed my number 3 times over the past month and yet I still get calls. The most recent from a new number XXXX. There is no debt to be collected associated with me or my number and yet I get called every week sometimes twice a week. I am sure this is happening with other people too and it is very annoying.
every month chase give interest on my account every XXXX of the month. but if i sent a payment before the XXXX they hold the payment and make like the mailman deliver it late.By doing this it leave me with a higher monthly balance were chase can have extra interest. this month i sent in a payment a head of time .I call and my month balance was??? this was on XX/XX/2015.my payment sent in was on the XXXX of the month.Now chase gave me interest on the XXXX instead of the XXXX were that payment would reduce my monthly balance at a lower balance. BY doing the XXXX of the month the payment didnt show to low my monthly payment .they have been doing tricks like this for a long time getting over on their customs. somebody needs to hold chase accountable.they making money on hold the balance were they would make more at higher monthly balance then they would if i sent in a payment before the calculate the interest for the month due. for example if the balance XXXX and i sent a payment of XXXX before the XXXX the new end monthly balance should be XXXX at apr interest rate. but chase wait to post payment so on the XXXX the monthly balance still be XXXX where the chase can have extra interest payment.so when you seen in that payment it dont show were it help seening in extra payment.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern XXXX, XXXX. XXXX XXXX, XXXX, Georgia XXXX Experian, XXXX. XXXX XXXX, XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX, California XXXX I recently pulled a copy of my credit report and noticed the following information is in error : 1 EXPERIAN - PULLED ON : XX/XX/XXXX *** NO RECORD FOUND *** IT SHOWS NORECORD FOUND 2 XXXX - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX NAME : XXXX XXXX NAME : DOB : XX/XX/XXXX SSN : XXXX MY SS NUMBER IS WRONG PLEASE FIX 3 XXXX  - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX THIS IS NOT CORRECT I BEEN LIVING IN THIS ADRESS FOR MORE THEN 3 YEARS NAME : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX XXXX REPORTED XX/XX/XXXX I I lived at these addresses. Since XX/XX/XXXX Please remove them. 
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, PLEASE UPDATE MY PHONE NUMBER XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
This is apparently a debt owed by my husband 's son XXXX XXXX. They call almost daily and I 've told them he 's a XXXX yr old man who does not live with his daddy. They call from XXXX. They said they are with XXXX in XXXX Mass. although that is not a XXXX area code. Address I was given by a XXXX was XXXX XXXX XXXX XXXX Mass. XXXX
XXXX XXXX-XXXX XXXX was the original account holder. I took a payment into the store ; when they were still open, and they said their computers were down and took the check. They applied the payment at a later date and all of a sudden I owed them almost twice what I originally owed. I paid the balance of what I originally owed them, and they continued to collect on the account although they had no proof that I owed them anything more. 

Since they knew that I did not owe them more, and could not collect anything else from me they began selling the debt to other companies, and when they needed to prove I owed them, they would pull it back, and re-sell it. I filed a complaint with Missouri Attorney General 's Office, they waited and then sold it to XXXX XXXX. That is why there is no a/c number listed because it is not a valid account. 

I have never had an account charged off by XXXX XXXX, they bought this erroneous account from a bank that was selling debts that were not owed to them.
I am financing a car with North State Acceptance. I started making payments XX/XX/XXXX. 
I have problems initially before I purchased the car, mechanically, several issues. I 've only had the car 3 months or so and had to put another motor in it and a catalytic converter, a steering column frame, and cutting off issues. I purchased the car from XXXX in XXXX NC. On Sunday, XX/XX/XXXX, I woke up and my car was not in my driveway. My car payment is not due until XX/XX/XXXX and I am not behind. I called North State and asked if they had my car, and they said no. The gentleman said that I was up to date on my payments, which I already knew that. So i dialed XXXX and had an officer come out because I thought my car had been stolen. The officer on the case called me on Monday morning, today ( XX/XX/XXXX ) and told me that in his search for the car, he found that it had been repossessed by North State Acceptance by error. Mind you, I just spoke to a representative and they assured me that it was not them that took my car. ( XXXX XXXX ) Now, here I am having to get a ride from other people or cabs because of the negligence of North State Acceptance and their misinformation. Now I have to wait for them to bring my car back.