WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by XXXX XXXX XXXX on XXXX XXXX, XXXX, about a medical bill from a company called XXXX, in the amount of {$3600.00}. I immediately contacted the sender by phone and disputed the claim its entirety, as I had never even heard of the provider, XXXX. I also stated at that time that I had never received any treatment or entered into any contact from the provider. I was told they would send copies of the bill, but nothing ever came. 

The matter was then sent to a collection attorney, XXXX XXXX of Burton Neil & Associates, and on XXXX XXXX, XXXX, I received a letter and again disputed the claim, in its entirety, in writing and requested proof of the claim, as well as any and all copies of agreement and invoices for services rendered. I received no response. 

Instead I then received a demand letter from attorney, XXXX XXXX of Burton Neil & Associates. After receiving said demand letter, I again disputed the claim in writing, indicating that I never had any agreement nor received any services from their client. I again also requested proof in the form of any agreements, authorizations to provide services, signed agreements to pay or bill, as well as itemized statements of services rendered and records of care. They sent none of the requested information. 

Instead of providing any proof of their claim whatsoever, the office of Burton Neil & Associates filed a complaint against me in the XXXX Court XXXX, in which they specifically stated that they had an " Agreement '' in said complaint, when in fact, they knew full well that no such " Agreement '' existed. In fact, to this day, they still have never answered any of my several written requests for proof, have never sent me copies of agreements, copies of invoices, nor any itemized statements of services rendered. I have never hired their client to perform any healthcare for me at any time. 

I am preparing to defend myself in Court against this firm, which I believe is using the Court system as a blatant strong arm collection tactic, when in fact, they know full well that they have no proof of any claim whatsoever. I have found many incidents of this firm doing the very same thing to others, who are laymen when it comes to legal issues. They file unsubstantiated claims in court and then move for a default judgment and attach wages, when the defendants never owed any money to begin with. 

I will not be another victim of this shady law firm and their abuse of the court system. I respectfully request that this matter be investigated so that this firm is exposed for the constant unlawful collection tactics that they continue to exercise.
I talked to XXXX numerous times about my credit card never coming in the mail to my P.O Box I never received my credit cards I paid my XXXX credit card for everything that I charged three reprsenatives have told me that XXXX would be deleted from my credit reports I disputed it with all three credit bureaus the only one that deleted it was XXXX need it deleted on my experian and XXXX reports
I would like Full Validation on my parent student loans. How much is owed. Where was the money applied to and why are there extra charges.
I am extremely frustrated. 

We closed on our home in XX/XX/2018. 

We successfully " re-cast '' the loan with loanDepot in mid to late XX/XX/2018. 

But since then, the company has failed to process our XX/XX/XXXX and XX/XX/XXXX payments correctly. The monies are sitting " suspended ''. 

And we have received three letters indicating that we are delinquent. The company has threatened us with late fees and with a negative credit report. 

As the loan history clearly indicates : our payments were made in full and on time. It is absolutely absurd for them to claim that there was any error on our part. 

Since my receipt of the first delinquent notice, I have made more than five phone calls to the Customer Service Department. Each time, I am advised that the company is aware of the problem. They tell me not to worry. All I need to do is call back in 48 hours and they will confirm that the problem is resolved. But it is now one month later. And the problem still has not been resolved. And I continue to receive incorrect delinquent notices.
contacted this company several times to advise this debt is not mine .... ask for proof to and was never contacted back.
According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me the method of verification within 15 days of my request. This should be hard evidence that goes all the way back to the original creditor. I did not consent for them to use an automated system as means of an investigation process using any online computer program, XXXX, etc. The credit bureaus are required to send the all of the supporting documentation regarding the dispute on to the furnisher of the consumer 's account within 15 days.
I purchased a car and it was a total loss. The company XXXX was going to be paid in full for the full balance by XXXX XXXX. They have reported the loan late every month eventhough the loan was to be covered because it was a total loss. This has stopped me from being able to qualify for a home loan becaus they should be reporting the balance as {$0.00} amd never late.
Experian and XXXX are both reporting false information on my credit report. My credit report says that the US Bankruptcy Court-XXXX is reporting That I filed several bankruptcies here are the account numbers # XXXX, XXXX, XXXX, and XXXX. 
I contacted the US Bankruptcy Court-XXXX about this matter and they gave me a letter stating that they are not and do not report information to the credit bureaus. I sent the letter to the and they said they verified it with XXXX? I reached out to XXXX and they confirmed that my account has been frozen and that they are not reporting anything on me.
Wells Fargo Mortgage.  We went to reinstatement asked for a lower payment they wanted {$2300.00} a month we offered {$1600.00} to catch up they did another check came back with same payment  XXXX  we cant afford we want to keep our home but this too k 4months n ow were behind on  11  payments and they want {$10000.00} by   XXXX   XXXX  2017    do n't have and they will not work with us. They want to foreclose on this property so they can make money! Sad ....   XXXX   XXXX
XXXX 's is performing unscrupulous acts and tactics on my account. They are increasing my credit and then when I try to utilize my account they flag it, embarrass me in the store, change my account information Without my knowledge and have me undergo a litany of security measure with Foreigners ( offshore personnel ). This same or similar issue has happened 3 times now, which is unnecessary and excessive. 

I have been documenting the things XXXX 's has been doing on my account since inception. I have conducted myself responsibly, morally and ethically with my credit account with XXXX 's, but they have not. I was contacted on XX/XX/XXXX while attending Church services before XXXX from XXXX 's credit services in Ohio XXXX which was a Sunday morning. They ( XXXX 's ) claimed they wanted to ensure I made the purchase for {$520.00} on my account, although the purchase was coming to my home address, the same listed on my account. Meanwhile, I just made a purchase on XX/XX/XXXX for {$1900.00} and had No issues in the store. XXXX 's is well aware I do a lot of shopping period, but especially between XX/XX/XXXX- XX/XX/XXXX of every year with them, due to their Thanks For Sharing program they solicit for me to sign up every year. They solicit me personally in the store, as well as, at home via phone and mail. They also increase my credit limit every year to encourage me to shop. Then when I shop they block the card while I 'm IN THE STORE ask to speak to the salesperson and me personally, ask me very personal questions about my Mortgage, Vehicles and other things that really have nothing to do with my identity. While in the store I have Multiple forms of Valid indentification which they NEVER ask for and I have to wait 45 minutes or more each time. Is very humiliating disrespectful and inconvenient for me to sit and go to this process if they felt that I was not who I was then why keep giving me credit increase is without my consent with my authorization with my request if I ca n't use it without going through this embarrassing process me each time! Then to add further insult XXXX decided for my protection ( after verifying everything completely and confirming My indentity ) they would block my current credit card, reissue a NEW card without my knowledge or consent. Which would have led to further embarrassment. There is only 1 way I will agree to resolve this and this is a settlement offer from them, or I will pursue further action and I will demand MORE. I have abided by the mutual contractural agreement, overpay every month and on time, but I 'm being abused and mistreated, this can also negatively adversely effect my credit when my credit card account number keeps changing without my consent or a valid reason, which will appear with all 3 major credit reporting agencies.
I PAID {$3000.00} BY DEBIT CARD AT A SUPER WALMART IN XXXX DELAWARE FOR A MONEY TRANSFER TO XXXX. WHEN I ARRIVED AT HOME I WENT ONLINE TO VERIFY MY MONEY TRANSFER AS I ALWAYS DO AND THE WEB SITE AT MONEYGRAM SAID MY REFERENCE NUMBER WAS INVALID. I HAD MADE SUCCESSFUL MONEY TRANSFERS ONCE A MONTH FOR OVER XXXX YEARS. I CALLED AND SPOKE TO SOMEONE AT MONEYGRAM WHO SAID I MUST SPEAK TO SOMEONE IN ONE OF THEIR SPECIAL DEPARTMENTS I REPEATEDLY ASKED TO SPEAK WITH SOMEONE IN THE XXXX MANAGEMENT BUT WAS REFUSED. THEY WOULD ONLY ALLOW ME TO SPEAK WITH SOMEONE IN XXXX OR FROM XXXX OR THE XXXX. I WAS TOLD MY TRANSACTION WOULD BE VALIDATED IF I ANSWERED THEIR QUESTIONS. THE QUESTIONS ASKED BY THE MAN FROM XXXX WERE SO RUDE AND INSULTING I LOST MY TEMPER WHICH I BEKIEVE WAS HIS OBJECTIVE. HOWEVER I WAS TOLD I MUST RETURN TO THE WALMART STORE THE NEXT DAY AND MY TRANSACTION WOULD BE COMPLETED. IT WAS A BLATANT LIE! I HAD TO SPEAK BY PHONE TO ANOTHER PERSON FROM XXXX WHO SAID IF I ANSWERED HIS ABSURD QUESTIONS I WOULD BE ABLE TO COMPLETE MY TRANSFER. I ANSWERED HIS QUESTIONS BUT MY TRANSFER WAS DENIED ANYWAY. HOWEVER I WAS GIVEN A REFUND OF MY MONEY. THE PERSONAL QUESTIONS I WAS ASKED HAD NOTHING TO DO WITH MY MONEY TRANSFER AND A PERSON SHOULD NOT BE EXTORTED THIS WAY. I BELIEVE A LAW WAS BROKEN.
Received HAMP modification in XX/XX/2013. Included a principle forbearance. Not one time in 5 years after modification did I receive any documentation reminding me about the forbearance amount or how to repay it. On the Wells Fargo statement it only included the payoff for the reduced principle. When I went to sell the home there was a lien attached as a second mortgage to some company whom I had never heard of stating that I owed XXXX dollars at settlement. I find this forbearance from the government should have been treated like a debt and made known at least monthly or yearly of the amount and I the consumer should have had the option of paying it down. Wells Fargo had no information about this debt even though they were the writers of the contract that included it. Every time I called for a payoff it never was mentioned that this needed paid off also. Two days before settlement is when I found out that I owed it and who I needed to pay it to. The company or the government should have given options for repayment to me at the time of the loan modification. I was never given this information. I feel like I was set up to fail in the end even though this program was meant to help struggling homeowners. They failed to disclose this information to me during the life of my home ownership.
I am the victim of identity theft. I reported the crime to the police, filed a report with the FTC, and filed all appropriate documents with all credit bureaus and institutions to correct and solve all the myriad of problems that are created by this crime. In the process of investigating I became aware that someone stole my social security number and used it to get reports bi-weekly from CREDIT KARMA, a private credit service. The thief ( thieves ) used these reports to further infiltrate my identity. When I contacted CREDIT KARMA the only customer service is through email ( an unsecure site ) located in a foreign country. I of course refused to give the number. I wanted to speak directly with someone about this fraud. They were unable or unwilling to give me any further information or contacts. I asked for a supervisor to no avail. If this company can easily give out personal financial information and reports with out validating identity then I want to speak with someone. Why are they allowed to conduct business this way? Currently the thieves are still getting reports and applying for loans etc.and I am left with no recourse. Please let everyone know how this company shares its information.
Service Transferred and Mortgage Payment not being applied. Calling daily harassing about missed payment which was made to previous servicer. Copy of bank bill pay to confirm payment has been provided but Servicer refuses to accept as proof of payment.
I am being harassed by a company called http XXXX/ or GC Services. They have called me repeatedly at my place of work, demanding to know my social security number. They do this in spite of my formally complaining to them. This is illegal.
On XX/XX/XXXX I received an alert that on my Equifax report that stated I had a collection added to my report from a company by the name of XXXX XXXX XXXX for XXXX I have never heard of this company, so I researched them and found they had pages and pages of fraudulent claims against them for this sort of thing. 
I was struck by a XXXX driver in XX/XX/XXXX and nearly killed and I have been fighting ever since then with this woman 's ins. I finally reached a very very nice settlement and I have made aware that so called companies like the named above will try to make fraudulent claims thinking I will pay. I WILL NOT!! 
I want Equifax to remove this immediately. 

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Regards, XXXX XXXX
I have been working by phone with XXXX XXXX at loandepot.com to check rates and fees for a mortgage to refinance my home. In order to see the estimate, I was required to pay for a credit check for a charge of {$19.00} to a credit card. I used my debit card for the amount since I did not want a small charge on my credit card. XXXX assured me that the {$420.00} charge for an appraisal fee would not be charged until I spoke with him again, but he had me click on several places in their website to agree to continue with each step. I gave him my debit card number to pay the {$19.00} on XX/XX/XXXX and received an email receipt for that amount. On XX/XX/XXXX, without any further conversation, my debit card was charged {$420.00} as per " my agreement with XXXX XXXX '' as my intent to proceed.
I called Experian today because I got a credit report in the mail that I did not order. Experian told me I was a member. I told Experian I was not aware of this. Experian previously forced me to pay {$1.00} for my credit score. In paying for this, Experian took my credit card information and charged me a membership fee. Experian assures me this information was somewhere in the fine print. I conducted a XXXX search for Experian credit score scams and apparently several people have also been tricked by this. Please help us consumers to stop being scammed by companies like this that are supposed to be here to help the consumer and not rip off the consumer. None of us deserve this.
On XXXX XXXX, 2015 Volkswagen sold me a XXXX Volkswagen Jetta " Clean Diesel '' for {$24000.00}. This vehicle was sold using fraudulent inducement by Volkswagen - the car contained a emissions testing defeat device and violates Unites States and California laws for vehicle emissions. Volkswagen has admitted to cheating on emissions tests and intentionally installing the defeat device. 
My car purchase was financed by Volkswagen Credit, also known as " VW Credit '', which is a wholly owned subsidiary of Volkswagen Group of America. The vehicle sales contract was based on fraudulent inducement and the sales contract should be rescinded. I have sought formal rescission of the contract through legal means. I have contacted VW credit and requested that loan payments for the vehicle be suspended until resolution regarding the sales contract is obtained. The VW Credit representative I spoke to denied any request for suspension of loan payments and threatened to report me to the credit bureaus for any late or missed payments. VW credit offered no other means of resolution despite holding a car loan contract based on fraudulent actions.
Continue to recieve calls from UCB in an attempt to collect a debt that does not belong to me. I have personally spoken to their representatives three times and each time have confirmed they have the wrong number and was told I would be taken off their call list. Today my wife began receiving calls from them as well.
In XXXX XXXX I contacted the wells Fargo bank manager in XXXX that I needed to open a savings account in my XXXX year old mothers name. I was promptly informed that I would need my mothers ID as well as mine to do so. I had to return home to retrieve my mothers ' information. Since XX/XX/XXXX I have had Power of Attorney for her and had filed a copy of the document with Wells Fargo at that time. At the time of filing, The bank had their attorneys look over the document to determine if anything needed to be done. My mothers account ( XXXX XXXX XXXX ) was sent up as a checking account and noted as a Trust. I can not be listed on that account as I am a recipient of the Trust, however, the Bank allowed me to pay her bills and expenses for her personal and business activities from there with out question as her Social Security Check and Retirement Checks all deposit into that account! I have been doing this since XX/XX/XXXX. 
The ( New ) branch Manager of the bank informed that she had no file of the Power of Attorney and that I was not authorized to get into my mothers funds! I did not have a copy of the document on me and was not about to make a THIRD trip back to my house to produce the document as the bank should have had it on file somewhere! 
The manager became quite rude with me and told me that I was committing fraud by not producing the paperwork. I left the bank telling the branch manager that I would simply take our business elsewhere! 
A few weeks later I get a visit from the State Department of Family Services investigating me for fraud and even questioning whether I was her son ( our last names are different ). The complaint was filed by Wells Fargo Bank. 
Needless to say I showed proper documentation to DFS and the closed the investigation. Contacting DFS and filing a complaint was and is way above the duty of the bank! This caused a lot of stress on me and my mother and was completely unnecessary. 
For a company that is currently under indictment for fraud of is customers, You have a lot of XXXX!!
Hurricane Harvey flooded our home, one year and two weeks ago. Our flood insurance sent repair money to XXXX XXXX, which has now been transferred to XXXX XXXX. It has been a continuous struggle to get our money from XXXX XXXX to pay for the repairs. They have delayed funds by : publishing a non-working address for document submission, refusing to let me speak with supervisors, checks mysteriously lost in the mail, promising XXXX delivery but using regular mail, overlooking uploaded documents, documenting but not acting on problem resolutions, refusing/failing to return phone calls, failing to notify me of additional required documents, overlooking requests for paylment, and last but not least, blocking my IP address so I can no longer use the website to access and manage my claim.
Transunion has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A )  of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.
Bank of America has tried 3 times to foreclosure on the property they do not have a lien. The property located at XXXX XXXX XXXX does not have HELOC # XXXX attached and have been notified and reminded the lien secured for XXXX XXXX XXXX XXXX XXXX been paid in full by a title insurance claim. Bank of America is negligent and incompetent in dealing with a loss mitigation situation. Bank of America continues to hire XXXX and XXXX to foreclose on a property is not associated with Bank of America HELOC # XXXX. The XXXX  XXXX XXXX that authorized this continuing foreclosure needs to be identified and reprimanded. The property at XXXX XXXX XXXX is free from any Bank of America HELOC and the title clearly shows this. This is reckless and criminal behavior by Bank of America. We ask the CFPB is regulate and enforce action  against a undisciplined tyrant Bank of America.
XXXX This is a response by to a letter that was sent to me onXX/XX/XXXXstating if I 'm not satisfied with the response from Ocwen Loan Servicing that was sent to you to reply or you will close the file. After gathering document to show that I was force into a medication from Ocwen after being dismiss from bankruptcy, a class action law suit was file against Ocwen and I receive a letter dateXX/XX/XXXX stating if I did nothing I would be part of the law suit letter enclosed ) I have never anything from the suit, and CFPB was involved in the law suit against Ocwen. Furthermore Ocwen state that I requested a modification and was approve for HAMP modification but there is no indication this HAMP modification is a SILENT SECOND MORTGAGE I would have not requested XXXX added to my loan if they would have stated that it was a second mtg. Guideline to what a silent second mortgage is enclosed. and according to RESPA the mortgage company is suppose to provides consumers with improved disclosures of settlement costs and to reduce the costs of closing by the elimination of referral fees and kickbacks. and I 'm still ask Ocwen to clearly show what the XXXX was applied to and what did Ocwen send to IRS interest that was paid by buyer for the time XXXX. Could not enclosed the silent second mortgage will send later.
I need clarification on the loan balance currently being reported to my credit by Wells Fargo Dealer Services. I have tried to get answers from Wells Fargo directly but I am not getting the information I need from their representatives. The loan number for the account is : XXXX. This is for the vehicle I had through Wells Fargo that was totaled in 2015. The insurance should have covered the loss of the vehicle but there is still a balance of {$8300.00} being reported as my remaining loan balance on my report. I have obtained copies of the insurance payouts and the numbers are not adding up to what is being reported on my credit. I am including a letter from XXXX XXXX XXXX which shows that a check for {$5500.00} was paid out to Wells Fargo in XXXX 2015. In addition to that, My GAAP benefit from XXXX XXXX XXXX XXXX was valuated at {$1000.00}. I need to understand how this was applied to my remaining loan balance and why the credit bureaus continue to report that the balance is {$8300.00}.
XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them If I got This letter XXXX card said they will delete this tradeline as stated on the recording I have also further more I never contact XXXX card for a dispute about XXXX they are violating fcra law which is punishable by {$1000.00} Each violation
the law offices of XXXX sued me and got a judgement against me on time barred debt and now my check is being garnished