WillisBack/dataset-financial-user-claim huggingface dataset:
I had XXXX and should have been covered. It was due to the hospitals mistake of marking me male, I contacted them as soon as I found the mistake but they said I would have to verify who I was with the XXXX provider. After talking with my XXXX provider, they assured me that there wouldnt be an issue. The hosital continued to say I owed them money and sent it to collections. I was and still am covered by XXXX.
On XXXX/XXXX/XXXX I found out that there is a negative on my credit, from XXXX XXXX. It shows that I owe {$1600.00} from an account that was paid in closed in XXXX. Apparently this was just reported on my credit. This was a shock as I have always gone to great strides to keep my credit good. I need to know why something that was paid 4-5 years ago is on my credit? I have talked with XXXX XXXX, they were n't able to help and referred me to TD bank ( they handled the retail card services for XXXX ). TD bank is the creditor that reported the inaccuracy however they have been nothing but difficult. I was hung up on at least 3 times and they were unable to give me an answer as to why someone with TD bank decided to put this inaccuracy on my credit after it has been paid and closed for years. There has to be some accountability from these companies, especially TD bank!! This situation has caused me to not be able to finance a car and countless hours of stress and phone calls etc. Now I 'm being told that I need to put a dispute in with all the credit companies and wait up to 90 days. This is NOT acceptable. I paid my bills. TB bank reported an inaccuracy and I ( the victim in all of this ) am now being told " sorry about your luck ''. I want this matter corrected and TD bank held accountable for their actions.
Credit report XX/XX/XXXX : they have still not deleted hard inquiry for XXXX done XX/XX/XXXX ; They did not delete soft inquiries XXXX, XXXX, XXXX, XXXX, XXXX, all done XX/XX/XXXX ; they did not delete fraudulent address XXXX , XXXX, CA XXXX & same address with XXXX ; they did not delete fraudulent employer address XXXX and fraudulent employer XXXX from XX/XX/XXXX. ORIG REQUESTED ALL XX/XX/XXXX with Notary documents and affidavits.
XX/XX/2018 I sent a certified letter to the Company and have not received a response or explaination of why there is an unauthorized credit inquiry on my report. I explained and that I have no knowledge or would like them to send verifiable proof that indeed this was a made by me. I HAVE NOT RECEIVED A RESPONSE
This company called Midwest Recovery System said I owed XXXX. 
When I checked my credit report I notice they put it in collections I dont owe this debt. I am so furious .I called this company with XXXX from the fraud dept This guy I talked to was very rude told I dont owe this. Then I said I never received anything about this. 
all of a sudden I got a document from them thru email. How about that showing up I want this off my credit report.I. gave him info all of a sudden I got a document.
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. XXXX is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
I am having continuous problems with XXXX/Navient. I am paying off XXXX loans ( XXXX which is only {$2000.00} ) since 2008. I have no problem paying my loan but it is clear that my payments are only going towards the interest and not towards the balance. I applied to a Rate Reduction Program and agreed for Navient to automatically deduct funds from my bank account if I was accepted into this program. After about two months I was told that I was not accepted to the program but they continue, even to this day, to take money out of my account every month for the same amount as the Rate Reduction Program. My mother is a co-signor on this account and is XXXX without work. They continuously call my mom harassing her and now are threatening to report me to the credit bureau if I do not pay an additional {$350.00} on top of the monthly payments that I am making. The representatives are rude, nasty and condescending. They switch me to a different department with each call and refuse to address my concerns. XXXX XXXX is the prime reason why people who attended will not have kids or purchase a new home. The government is avoiding this snowball problem which will have a vast affect on the economy in the near future.
Chase XXXX is reporting on my credit file. This account is not mine. I was a victim of Identity Theft. I have provided an Identity Theft Complaint and Affidavit and Police Report to Chase Bank and still have not gotten this account resolved and deleted off my credit file. I have also disputed this with the bureaus and Chase is saying that this account is valid which is incorrect.
XXXX XXXX XXXX at XXXX, XXXX XXXX, calls claiming to represent Cashnet. I have not received written documentation from this company, only a verbal claim that they represent CashNet USA. 

Even worse, this man called my son on his cell phone! My son is in no way connected to this situation. Yet this man threatened him with legal action, garnishment thru his employer and more. 

Is a debt collector permitted to call any number he so chooses??? 

Please also note that I have contacted CashnetUSA a number of times over several months asking for written documentation as to whom represents them. I have not rec ; d anything. 

Is it not my right to know whom I should pay?
Branch Banking and Trust, aka BB & T  I spoke with a representative  XXXX     2017. The repres entative walked me through online how to OPT OUT of overdraft. I trusted the bank representative gave me the correct information. She in fact gave me incorrect information. Due to the misinformation I received, I received    XXXX   ov erdraft fees totaling {$72.00} on  XXXX / XXXX /   2017. I   contacted the bank ; a representative said they could try to pull the calls but because there were so many calls during that time period, they  may  not be able to review all of them. They could n't promise me a resolution. As I received a refund in  XXXX   ( admittedly my fault )  they " ca n't '' honor additional refunds for 24 months from the first refund in  XXXX . The bottom line is the banks employee gave me incorrect information which caused the overdraft fees. Currently waiting for a follow up call from the  manager  with the research, if anything.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. exposing myself to the risk of identity theft/fraud due to negligent security protocols in handling consumer information. This is all due to a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
My personal information was exposed through gross negligence on Equifax 's part. Furthermore, delaying informing any of the victims for months, allowing management to sell stock options, and not offering a legitimate remedy for the situation and instead further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I spoke with a representative at XXXX because person by the name of XXXX called my XXXX year old mother and asked if I live there. My mother, who has XXXX, said yes and he gave her his information to call him. He called XX/XX/XXXX to tell my mother I had an outstanding debt of {$110.00}. When I got home one night at the beginning of the month she stated that she gave someone her credit card to pay this debt. I did not put two and two together till this morning. When I contacted them at XXXX and requested XXXX , a young lady answered the phone and when I explained the situation and she could not help me I asked for a supervisor. It was at this time I realized what was happening. This supervisor by the name of XXXX, XXXX??? I 'm sorry I ca n't remember ... maybe XXXX or XXXX ... she told me that she spoke with me, on XXXX XXXX, and I told her that she should call my mother, I apparently gave this debt collector my XXXX year old mother 's name and she would pay the bill. It was then I realzed my mother gave them her credit card number to pay them XXXX on XXXX XXXX. I never, ever spoke to this women and I believe they lied to her, scammed her and here we are today. I can pull my phone records to prove I never spoke to this supervisor. I can also tell you the young lady I spoke was XXXX and the other rep was XXXX and I know XXXX knows the supervsors name. The reason the debt was never paid on XX/XX/2016 is because my mom must have transposed a number because the pmt did not got through. They sent me an email saying they had a problem with the card however I deleted it because I had no idea what they were referring to until this morning when I put it all together..NOW THAT 'S KARMA..just saying ...
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Account Number Num : Balance {$220.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX
Today XX/XX/2017, I received a call from a Capital One fraud investigator by the name of XXXX about a fraud claim that I filed months ago. He told me that an authorized user had made purchases on my account that the authorized user stated to me that they did not make. He told me that they initially help the merchant liable and that the merchant and disputed the claim. I was in a rush and I was not able to speak to him at the moment. He gave me his phone number to get in contact with him. I tried calling but have yet to hear back from him. Without giving me any details or discussing the real issue he told me that the charges will be back on my card. Those charges are not mine and that this investigator poorly handled my case and is not doing a thorough investigation but is merely trying to get my paperwork of his desk in favor of his superiors.
XXXX XXXX XXXX was acknowledged an escrow surplus of over {$3800.00}, but has refused to return it even after numerous calls, emails, and other written requests. Each time they assure we they will cut a check and it will be there in 7-10 business days, but the check never comes and my escrow account still shows the surplus.
My Mortgage Company has a pay-by-phone option that I utilized in XXXX 2014. I lost the transaction number, so I checked my bank statement and verified that both the mortgage payment and the telephonic transaction fee had both cleared ( by name ). Within months I noticed that the XX/XX/XXXX payment was NOT acknowledged as received. I began receiving late fee charges, correspondance suggestioning financial assisstance (! ), and eventually threats of foreclosure (! ). Simultaneously I am attempting to go through the 'proper channels '. I contact the mortgage company telephonically, to no avail, all personell maintained that the payment had not been received. I then attempted to contact the complaint dept, and forwarded all pertinent bank statement info, also to no avail. I then secured legal assistance who again forwarded all pertinent info on my behalf. They ( legal ) also received the 'company line ' that the payment had not been received. At that point the my legal service suggested I contact CFPB, as solving this type problem falls within your specific function. Please assist as my Mortgage company is now threatening foreclosure within the month.
I 'm writing to find out about the lawsuit against Freedom Acceptance. I am a veteran who was apparently sued in Virginia by Freedom Acceptance. I was the co-signer on an account for my ex-husband, but since they could not contact him, they froze my bank accounts until I made payment arrangements with them. I am still paying a debt that is n't mine. I just want to know if there is anything that I can do to stop this.
An auto loan of {$17000.00} was taken out on a used vehicle. 
The vehicle was a total loss on XXXX/XXXX/16 due to a XXXX. 
XXXX/XXXX/16 Ally bank fraudulently quoted XXXX XXXX an outstanding loan balance due of {$25000.00}. 
The same day XXXX XXXX issued a payment to lien of {$25000.00} to Ally bank The outstanding amount was actually {$16000.00} which was credited to the account XXXX to pay off the car in full. 
Ally Bank owes me ( $ XXXX {$16000.00} ) = {$9100.00} since XXXX/XXXX/16 over 30 business days since the loan was paid in full. 
I have spent over 10 hours on the phone with Ally Bank which has as of today XXXX/XXXX/16 has said they have not prrocessed any payment to me. My rental car insurance ran out weeks ago. This is outright fraud on the part of Ally Bank. I have no assurance they will ever pay me the money they owe.
One XX/XX/XXXX I made my XX/XX/XXXX mortgage payment in the amount of {$1400.00} to XXXX XXXX. They cashed this check on XX/XX/XXXX which was deducted from my checking account. I have a copy of the check from the bank that shows XXXX cashed it as well as my bank statement that shows the withdrawal. XXXX reported to the credit agencies, XXXX and Equifax that my mortgage was past 30 days late. I contacted XXXX to get this resolved and have not received a resolution. I filed a dispute with Equifax and XXXX and provided proof from my bank and my bank statement that shows the check was cashed 6 days later. 

On XX/XX/XXXX Equifax finalize their dispute which indicated that XXXX verified that the information they submitted was correct. I don't believe that Equifax reviewed the documents I mailed in regarding my dispute if so how in good faith could they have accepted the verification from XXXX XXXX. XXXX XXXX clearly falsified this information which has now impacted my credit score.
Background : I have been making ontime payments every month since XXXX to my student loan lender Sallie Mae, When they sold my loans to Navient I have made payments every month on time since. I make over XXXX $ payments every month! ( I also have XXXX kids, a mortgage, and 2 car payments ) I first went to school in XXXX, I left in XXXX. I went back to school in XXXX and graduated in XXXX. 

I called Navient shortly after I graduated to set up payment options. They would not let me put my loans in forbearance. They would not let me consolidate them or try to get a fixed interest rate. The most they would let me do is set up a payment schedule, so I set up a 10 year repayment plan. 

I have been following up every other month or so to make sure my loans are still on track. I checked yesterday and it appears that my two biggest loans in the amount of ... 

{$20000.00} had an increased interest rate, it used to be under 10 % now it is 10.375 % also, my loan of, {$17000.00} had an increased interest rate, it used to be under 10 % now it is 11.25 %!! 
( my total loans are over XXXX $ federal and private ) I called Navient today to figure out why, and also how they expect me to pay these off if they keep raising my interest rate but the office is 'temporarily closed '. 

I logged on to XXXX to see if anyone else had this issue and I found out the CFPB has filed a lawsuit with Navient and I didn't know. I live in Washington ( XXXX ), and have for 20+ years. This is one of the states that have filed the lawsuit and I would like to get more information please. I do feel that I have been wronged and have made every effort to make payments to get out from under this burden.
I have a XXXX account with Wells Fargo MORTGAGE. I have been trying to get a loan modification without success. I have been going through this for years now. Just when I thought I was getting ahead, and processing a modification, Wells Fargo sold my loan to XXXX XXXX LOANS. I am frustrated and still trying to get a loan modification. I do n't know if it is Wells Fargo or XXXX OR WELLS FARGO.
I called after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine and was never paid. They never sent anything but still continue to report it messing up my credit costing me lots of money because this debt was from XX/XX/XXXX and they are reporting a XXXX day late as of XX/XX/XXXX which from my research on the internet is completely illegal.
On XXXX-2018 my Bank sent a wire transfer of {$800.00} to Coinbase and they keep assuring me I will get the money back, but I still have not received it. It has been 19 days now. Their complaint support email asked for the XXXX tracking number from the bank transfer which I did send them. It is not possible to contact them by phone and their emails just keep saying the same thing, that they are busy and will get back to you. I just want my money back and will never do business with them again. Please help. Thanks.
XXXX Bank XXXX XXXX accounts reported past due. Account reported open XXXX with a balance of {$5500.00} is not my account, my XXXX account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.
Back in XXXX of XXXX I had a direct deposit of XXXX dollars that went into my checking account at the time with usaa, well there was fraud on the account not due to my own doings but a guy that I met online and gave him the information to put money in my account. They put my account on hold and locked it out due to this guy ( XXXX XXXX ) he would call himself, I even reported him to the FBI and still have emails that he sent me from that time, they have requested information to prove my identity and I did, every time I would call them to see if they had come up with an answer they would either hang up on me or transfer me to 5 if not 7 different departments and this is still going on today as we speak. Here is is XXXX XXXX, XXXX and they still have my money of XXXX dollars and cents that i received from my job back in XXXX and they still will not give me my money back.
I purchased a car in XXXX in 2010. I financed the vehicle with Gateway One Lending. When I moved to XXXX and reregistered the vehicle there, they transferred the title to the new state, which was their obligation as the lien holder. I moved to XXXX last year, but Gateway did n't move the title this time as the loan was about paid off and XXXX has a title fee that XXXX does n't. When I paid off the car, Gateway informed me that they 'd left the title in XXXX six months prior and I would have to get the title from them, submit for a new XXXX title, and pay the {$75.00} fee, all of which should have been done when they were the lien holders. Now, since they did such an incompetent job of moving the title, I 'm not even sure I can get a clean XXXX title since the state still has Gateway One listed as the lien holder on the vehicle.
Firstly, I have tried multiple times to try to email and mail the company to obtain a copy of the original loan ; however, the company has never provided me with one. Additionally, I currently am XXXX XXXX service member and I have not been in Arizona for the past 4 years to be able to sign up for a car loan or obtain a car. I was previously married to my ex-husband ; however, we are divorced now. I know this car loan was opened without my consent or permission from my ex-husband and the car dealership. I have also tried making contact with the dealership to obtain a copy of the loan they, unfortunately, do not retain records of that. I have been dealing with this for about 2 years now. So when I finalized my divorce on XX/XX/2017, I included the Auto Loan into the debts that my ex-husband would pay to further protect myself. The judge sided with me. He, unfortunately, will not provide me with any documentation and will not respond to my emails and has blocked me all on social media sites. He voluntarily returned the vehicle and will not make any payments towards it. Now it has been written off on my credit report around {$16000.00}. I really need someone to help. I have legal representation to file a complaint and documentation from the court of XXXX XXXX in Arizona.