WillisBack/dataset-financial-user-claim huggingface dataset:
Two different medical institutions sent bills to XXXX XXXX XXXX as they did not bill to insurance, I paid these amounts directly to the individual healthcare entities, thus the two entries from XXXX should be removed from my reports, as this was never a collection issue it was the problem of the billing of the healthcare entity that did not bill insurance
In XX/XX/XXXX I submitted a application for the Making Home Affordable Plan. Wells fargo sent a letter dated XX/XX/XXXX requested a the Benefit letter and social security award letter for my husband and my latest two paystubs XXXX and tax returns for any contributing non -borrower. On XX/XX/XXXX, I received a letter from Wells Fargo which listed 16 requested items received by Wells Fargo and 6 missing items. On XX/XX/XXXX I received a Denial Letter for Wells Fargo Proprietary Step Program a program which I did not apply for. The Denial letter list only one program that I was reviewed for and did not offer any details of the evaluation process or what was used in terms of qualifying us the interest rate used or if the amortization method used. I feel that Wells Fargo did not want to review for the Making Home Affordable Program for which I applied.
They closed my card account and did n't give me a reason. Now they are going to charge me money to send me a check for the remaining balance. They have not presented any other way for me to receive the money without paying them a fee.
XXXX XXXX XXXX said that they requested for this account to be removed because it was not my responsibility to pay. Medicaid said they are the ones who have to take care of this account.
I did n't open a loan in XXXX of 2015 at XXXX XXXX
Starting on XX/XX/XXXX I have been getting calls from veros credit about a auto loan my mom has. I have repeatedly told them do not call me I have nothing to do with my mother she lives in a different city than me. They call 5 times a day harassing me saying they are reporting my mothers car stolen. Then as of yesterday XX/XX/XXXX they have been using different sheriffs offices phone numbers. They have used XXXX XXXX, XXXX and XXXX sheriffs department numbers so far. The creditors name is XXXX XXXX from Veros credit. One of her many numbers is XXXX.
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter
XXXX decided to charge my account since my main account was closed due to fraud, and because I did not have enough funds to cover all those transactions USAA declined them all. Declining the transactions is fine. The important issue here is that I was charged a returned fee on every single transaction twice due to XXXX resubmitting those transactions. I called USAA on XXXX XXXX and spoke to an Executive Agent ( Supervisor ) who stated she would make an exception and waive one last overdraft charge to help me out. Also, she stated she would put a stop pay on those transactions to prevent them from hitting my account. Today to my surprise I see that the credit she promised is not there and also another transaction from XXXX caused another overdraft. I ca n't remove the account on XXXX 's end because there are pending transactions. I need someone to review my calls and explain to me why I was lied to. I 've had my account for years and I 've never had this issue. I just moved my entire family from Puerto Rico to the states because the hurricane and this bank has decided to not help at all with the situation. Also, they are not allowing me to close the account which to be honest would have solve the entire situation. Currently the account is still overdrawn due to the missinformation I was given when I called.
i am paying weekly payments through direct deposit from my bank for about a month now on a XXXX dollar loan, yet my payoff amount due is still higher than the original amount I received
I noticed this company on my XXXX  credit report, but have not received any letters of communication from them nor have I received a phone call. This company have not validated that this debt is mine nor have they verified any information is correct. I have sent many letters to them asking them to validate this debt and have not heard from them, it has been over 6 months, and I have still not heard from this company. The amount of debt they are reporting on my credit report is {$2200.00}. I do not believe that this is my debt.
I had a 0.00 % Promotion balance transfer balance of around {$3000.00} that was not set to expire until XX/XX/2019. I used the same card to make 2 large purchases, and ended up returning those purchases. The credits for those returns went toward the promotional balance instead of the purchases balance. This seems highly unethical and fraudulent to solicit, promote, and advertise promotional balance transfers of 0.00 % just to in turn pay off the promotion balance using credits that were the result of a purchase.
XXXX XXXX took over my US airways reward credit card. We got lots of information asking us to activate our cards with AA to receive special offers. We paid off our US airways card and did not activate the new XXXX cards because we did not want to take part in their offers. Now I am getting harassed about owing a fee on a card I do not want.
I have tried to have a 7 year old account removed from my credit report from all of the credit bureaus and they have not removed it from my credit report. The car loan was with Santander Consumer. Date opened was XX/XX/2010 and the charge-off amount was {$18000.00}. I have written dispute letters, to have this removed and it has not been proved or validated at all. 

I have also tried to have XXXX XXXX XXXX removed for {$260.00}, XXXX XXXX XXXX for {$1900.00}, XXXX for {$330.00} and XXXX XXXX for {$3900.00}. They have not provided me with any validation and these items still remain on my credit with XXXX. The other credit bureaus have removed this information.
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have bank statements proving i paid!!!!!
On XX/XX/XXXX i received a letter from XXXX XXXX stating that i owe {$87.00} to creditor : XXXX XXXX. from an account back in XX/XX/XXXX. 

I called the creditor XXXX XXXX  and ask about the account and they said that i paid the account in full and nothing else was needed. Costumer Rep sent me an email stating that my account was pay-as-agreed and nothing was sent to collection services. 

Therefor i called CCS, they asked for my file number stated in the letter from them and to verify my address and name. Informed them that i called the creditor and ask about the account debt, and that i have received a email from the creditor stating that the account was payed as agreed. CCS asked me to sign up on their website for a " email services account '' to show them the email from the creditor
I just read a VERY Very similar story as mine on your site, and it is with Bank of America. 
It is also in regards to a checking account that belonged to my mother that passed away XX/XX/2014. I am her only daughter and she was not married. I also handled her account as her XXXX XXXX worsened, but I failed to add myself to her account. Which would have saved ALL of this headache! I have been in touch with their department that handles these accounts so many many many times. I have sent them, and confirmed their receipt, of her death certificiate and of a Affadavit of Heirship ( notorized ). Which proclaims that I am her only heir and executor of her estate. Once they received that- they tell me over the phone that I need to submit a different affadavit with the court and submit whatever the court sends me in approval of my affadavit. I clearly understood that the Only diffference between what I completed, and the court responded version is that the court version would be " telling them what to do with the money '' - rather than my document that simply established that I was her heir. The amount in the account is only {$1800.00}. I have filled out the other affadavit ( including the XXXX 'Disinterested parties ' & notorized again! ), but I have not submitted it yet -- because it is going to cost me {$210.00} or {$250.00} to file. Very frustrating!! I have even had to call, in response to a letter I received, and tell them that Yes -- this account is still belonging to someone, and is not 'unclaimed '. So DO NOT gid rid of the account or money. I spoke with someone who assured me after faxing in a signed statement to not liquify the account- that the account would be upheld and still waiting resolution for me. Since I can no longer log in online.. ( which was the Very first thing to go..bc my plan was just to transfer the money over to my BofA account ) ... I 'm terrified to call and make sure the money is still there. What if it is not? What if they managed to put up so many red-tape XXXX requirements that I ca n't to the money? 
Which to me raises another very interesting question, what do they do with all of that money they get to keep? It has to add up quite substantially. I just wish someone would absolutely tear them up in that regard. I can not stomach the idea that this money goes to the company in some fashion, and it is all based on their taking advantage of such horrible times and circumstances with their customers. For whom they would claim to care very much about. It 's deplorable. Please help!! It 's Only {$1800.00} dollars now!! How can they have rules & regulations that are placed ahead of state requirements in such matters? The state does n't even require all of these steps and motions, and things. It just makes no sense at all.
I did not receive any of my welcome bonus offers from my American Express XXXX card after finishing the required purchase.
The account was opened on XX/XX/2016 and the amount is {$240.00}. There was no contacted from this company.
Ditech Mortgage illegally and unlawfully withdrew {$390.00} from my checking account. I have autopay set up with Ditech and Ditech took advantage of my autopay by removing monies not authorized. My current mortgage payment is {$740.00} and I wished to pay another {$100.00} towards the principal. When I called to report this after much wrangling, Ditech agreed they were wrong. The Ditech Autopay system " had just been upgraded '' which I suppose gave Ditech a license to take my money. I want the CFPB to do a full investigation of Ditech 's payment processes online including a careful review of autopay. I was unable to cancel my autopay even though the system made me believe I had cancelled autopay after I discovered the unlawful withdrawal. Ditech had to remove the autopay in a phone call.
I filed a claim with chase for XXXX this amount was charged to my account from a vendor without my consent. This vendor is XXXX my wife and I stayed at their resort during our honeymoon. Chase asked my to provide docs showing that this amount was settled in cash I provided the receipts that were given to me by the venue to Chase right after I filed the claim. 4 months go by I do not hear from Chase at all and all of the funds are reverse out of my account without notice leaving now with OD fees and huge negative balance. I called Chase to see why this happened, the representative said it was because I never submitted any documents. After explaining to the representative that did in fact submit the documents right away the representative put me on hold and did some research and saw that the docs I submitted were never reviewed. He then proceeded to re-open the claim and the funds were put back into my account and the fees were reversed. Yesterday after nearly 4 months with no notification chase took the funds out of my account again with out notice and leaving my account in the negative with OD fees, this time they said that its because time expired and they cant collect the amount from the vendor, then they said that docs I provided are not valid. No one from Chase contacted me requesting any additional information and Chase never requested the signed bank copy from the vendor. How am I supposed to know that what they have is not valid if they do n't inform me? I spoke to a claims supervisor named XXXX and she stated that people over there do n't know what they are doing that 's why I had to speak to a supervisor, she was terrible and was not able to help me at all. In fact this woman kept taunting me through out the call. Please CFPB help me get this resolved. Thank you so much.
I went to the dentist in pain after a XXXX, he said I needed a XXXX. For the first time in my time seeing him, he wanted payment for procedure up front instead of sending it to my insurance as usual and as my insurance says is supposed to happen with in-network providers. I could not afford the procedure in cash, and would have usually walked away to get a second opinion. However, then my dentist 's assistant said there was a deferred payment credit card option that is just " great. '' While I was still in pain in the dental chair in the back of the office they presented me with a CareCredit application. I felt pressured into signing up for a credit card that I think is probably a pretty bad credit card. I was in pain and it was a high-pressure situation taking place in the dental procedure chair. I, regrettably, signed the credit card papers for a charge over {$1000.00}. This charge posted to my new account the same day. Once I finally had a chance to read the terms of the credit card, I decided this was not something I should have signed up for, and it was revealed my pain would require more expensive procedures. I wished I had gotten a second opinion and not been pressured into a new credit card. I contacted my dentist to find out what the real cost of the procedure would be and to ask them to put my XXXX on hold at the lab. They said they did n't know what insurance would pay, they did n't have the ability to refund any portion of the balance, and that they would put the crown on hold at lab while I figured out where I would get other procedure done to finally relieve my pain. I was so relieved they could put the XXXX on hold at the lab, but it turned out they either could n't or did n't keep their word and no one notified me. Since they could not help me with a refund I began my dispute with CareCredit, asking for a full reversal of the charge - the contract states this is my right because a charge greater than {$1000.00} was posted within 3 days of signing up at my dentist 's office. Now, a month after disputing the charge, I received notification that CareCredit has closed the dispute in favor of my dentist who issued a partial refund. I asked CareCredit to follow their contract and reverse the full transaction. They have told me they " just finance '' and that I have to request this refund from my dentist. My dentist has already said he can not ( or will not ), but the CareCredit contract states " Right to Refund. CareCredit provides you with the right to a refund to your CareCredit account for any dental or audiology transaction amount greater than {$1000.00} if the transaction occurred within three days of the date your provider submitted the application. '' I do not want this card, and I feel I have been conned.
My bankruptcy was finalized before the reaffirmation could be XXXX, so XXXX sold the loan and the new company ( Carrington ) is now reporting the mortgage as well on my credit report as " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, 2013 ''. So why are both XXXX and Carrington allowed to both report this when there was only XXXX loan that we continue to pay and pay on time.
I am a member of Experian 's credit monitoring service. My score continues to drop because there is a technical error in their calculating algorithm. They have admitted to this problem as well as admitted its also affecting other customers. I filed my original complaint with them XX/XX/XXXX, case number XXXX, I have made several phone calls and I am told after 4 months that it is still in motion and being reviewed but they can not contact anyone internally in the technical support department to check status. Further more the analytics they provide on my account are incorrect, and fraudulent. Other credit bureaus have me listed in the 700 range while experian has me calculated because of their system error XXXX points lower. They refuse to fix the problem, and provide no service or information to help correct the issue.
In XX/XX/XXXX2017 we started the process of refinancing our 2nd mortgage held with Ditech. The rate is 8.6 %. We attempted a few years back to refinance with Ditech ( formerly a XXXX loan ) to lower the rate but they would not do it. The new bank we are working with saw that the 2nd mortgage loan had two liens placed by XXXX. I contacted Ditech by phone to attempt to resolve the issue and sent an email on XX/XX/XXXX/17. They sent a letter with information that Greentree was now Ditech but I could not access the letter and was not the resolution to the issue. I called Ditech a few more times. When I have talked to the Ditech representatives by phone they can not locate the documents and could not help. On XXXX/XXXX/2017 I called and was told Ditech was going to do a title search. On XXXX/XXXX/2017 via email I sent copies of the two recorded deeds from the XXXX XXXX Arizona XXXX online service. I called Ditech on XXXX/XXXX/17 and asked to speak to a supervisor. I was told a supervisor was not available and they would call me. Ditech has NOT responded at all since I started contacting them in XXXX 2017. The rate is XXXX us and we will refinance but Ditech must be held accountable for the terrible  service and continued interest accumulation.
On  XX/XX/XXXX ,  a letter of dispute was sent to Ocwen 's research department stating that loan payments on the loan had been {$480.00} instead of {$450.00} as per the original loan agreement. This was an overcharge of {$27.00} each month for 135 months amounting to {$3600.00} as of that date. Another letter of dispute  dated  XX/XX/XXXX   was sent to  Ocwen  stating that no payment was due on  XX/XX/XXXX ,  since the amount they said was due, {$600.00}, and the overcharges were considerably more than that amount. Because Ocwen did not furnish any explanation for this discrepancy, no more payments were made on the account.  <P/> As of   XX/XX/XXXX ,  the overcharges and interest on the overcharges amounted to {$6400.00}. At that time,  Ocwen  turned the account over to their attorneys for foreclosure proceedings, even though the missed payments amounted to less than the overcharges and interest on the overcharges.  Ocwen  was notified by certified mail of this fact, but  Ocwen  ignored that letter, and proceeded with the foreclosure.  <P/> When Ocwen initiated the foreclosure proceedings, and proceeded to foreclose on the loan, an attorney was retained by us, and we were advised that fighting the foreclosure would be expensive, and we were advised us to file bankruptcy, which we did.  Ocwen  foreclosed and the property was finally sold at a sheriff 's sale  on  XX/XX/XXXX  We  do not believe this is fair, legal, or acceptable by us. We lost our home, and certainly do not agree that  Ocwen  's action was justified and is certainly not acceptable to us.
AMERASSIST AR SOLUTIONS, collecting on behalf of XXXX XXXX XXXX XXXX I attended The XXXX XXXX XXXX in XX/XX/2013 and received federal student loans for my tuition. Amerassist AR Solutions is attempting to collect {$5000.00} and has reported this on my credit report. This is a fraudulent collection action and an attempt to collect money that I am already paying back to the government as they are the ones who lent me the money to attend the school. Amerassist is merely attempting to collect free money from me and will not remove the account from my credit report. This has made it very difficult for me to get any type of credit due to the balance owed and the age of the student loan.
Disputing American Express issuing credit card ( allowing for credit increases ) to XXXX. 

History shows long-term history ( 30+ years ) for none and late payments on credit cards, mortgages, utilities, taxes, etc. with low FICO scores ( approx. XXXX-XXXX range ), unemployment ... and income under XXXX,, ( SS and Pension ). Background check would have also shown XXXX active credit cards. 

Also, harassing/intimidating phone calls requesting immediate " pay-by-phone '' checking withdrawals should be illegal. Approval given under the influence of XXXX ... resulting in " insufficient funds '' /fees for bounced checks. 

Feel it is banks negligence that caused him to fall into a black hole of debt IMPOSSIBLE to climb out of. Rather than additional credit, there should have been a limit with cancellation imposed ... NOT increase or allow additional credit.
I wired $XXXX USD to my Coinbase account.  Coinbase did not post the money and says they returned it.  It was never returned.  I have spoken with my bank at length and they have completed their investigation.  They say Coinbase took my money and never sent it back.  I have written to Coinbase 8 times, they only send automated responses.

-The full name on the account the wire was sent from:   (private)
-The amount of the wire:  $XXXX -The date the wire was sent:  XX/XX/XXXX
-The federal reference # or IMAD # for the wire:   XXXX

This is the original email from Coinbase:

From: Coinbase [mailto:no-XXXX]
Sent: Tuesday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX
Subject: Wire reversed


[Coinbase]





Hi XXXX,

You recently sent a wire to fund your Coinbase or XXXX account for $XXXX USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing.

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or XXXX account. For more information, visit the Bank Wire Deposit section of our payment support page.

If haven't received your funds after 7 business days, please email XXXX for assistance.

Respectfully,

The Coinbase Team