WillisBack/dataset-financial-user-claim huggingface dataset:
I received a XXXX Form XXXX from Department Stores National Bank, XXXX XXXX, SD for default on a Macy 's Credit Card. I sent a letter on XX/XX/XXXX asking for a corrected XXXX showing this was cancelled ( copy attached ). I have never had a Macy 's Credit Card. On XX/XX/XXXX, I received a letter from the IRS ( copy attached ) and subsequently sent a letter to the Payer 's Name listed in the IRS letter asking for a corrected XXXX. The letter was returned undelivered. The IRS is billing me f for taxes on this bad debt which does not belong to me. 
I want a cancelled XXXX clearing me of this debt that I do not owe along with a copy of the credit application showing where, when and by whom an account was opened in my name.
This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. 

This company did not provide a copy of its surety bond as they stated in compliant XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
On XX/XX/XXXX I was contacted by representative XXXX of JVS Group stating that she was attempting to collect a {$470.00} debt incurred by me for medical services. I expressed to her that I had a XXXX balance with the medical provider that had been recently confirmed. I asked her for an itemized bill detailing the dates of service, patient names and amounts that she was attempting to collect for. She stated that she was unable to mail me this information but provided me with a list of dates and amounts that did not add up to the amount they said I owed. I immediately called the original debtor who checked in their archive system due to the oldest date of service originating in XX/XX/XXXX. They again confirmed that I had no outstanding balances other than an account sent to another collection agency that I make monthly payments towards. All other services had been paid for- not written off or otherwise sent to collections. 

After reviewing the matter, and fearful of aggressive collecting tactics that could destroy my credit, on XX/XX/XXXX I mailed a certified letter to JVS to formally dispute the validity of the debt. I expected a return notice that they had received my letter. It never appeared. Instead, on XX/XX/XXXX I checked the tracking number via USPS.com and learned that a notice was left at the address but no authorized recipient was available. So, I called XXXX XXXX listed on the collection letter from JVS. He was very unhelpful and advised me to mail my letter of dispute via regular postal mail or to give him my phone number so that he could research my complaint. Then, after I refused to give him my number ( which his office has since XXXX called it before ), he stated that I had several open collection accounts, he was a very busy man on his way to a meeting and unceremoniously transferred me to his voicemail! I left him a message with my name and my JVS account number and advised him to cease and desist all collection activity since I dispute his claim.
Navient calls between XXXX times every single day. I have tried to talk and work out a plan until our financial situation improves in two months when we can resume normal payments to no avail.
I received a call from IQ Data at work from XXXX. She was very rude and broke every collection practice. I called back to speak to supervisor and the agent transferred me back to XXXX. I will be seeking a lawsuit against the company for collection practice.
I have sent TransUnion four certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
I am very distressed AFNI have included the below information in my credit profile due to its damaging effects on my good credit standing. I have contact  XXXX   XXXX   XXXX   XXXX  they have never heard of me as a matter of fact I 'm not in the system of there 's. As AFNI are no doubt aware, credit reporting laws ensure that   XXXX   XXXX  &  XXXX    only report accurate credit information. No doubt the inclusion of this inaccurate information is a mistake  on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a home, better paying job and car for my family which was highly embarrassing and has negatively impacted my lifestyle.   I 'm sure you 'll agree it needs to be removed as soon as possible.   The following information needs to be verified and deleted from my credit report as soon as possible : CREDITOR AGENCY - AFNI Original Creditor -  XXXX   XXXX   XXXX   XXXX  {$510.00} Please delete the collection above asap possible.      XXXX   XXXX   XXXX   XXXX  Illinois  XXXX   XXXX
Portfolio Recovery Associates of XXXX, VA, has made numerous phone calls to my home attempting to collect a debt from a third party after confirmed receipt of a certified letter from me telling them the party they are attempting to contact does not live at my address, does not have my phone number, and not to contact me any more regarding this matter.
My paycheck was direct deposited into my account on XXXX/XXXX/15. On the following day, I used Bank of America 's online bill pay service to pay some bills. All of these payments were declined even though the money was processing in the bank. These declines all incurred a {$35.00} charge each including charges from the payees for a declined payment. This should not have occurred because the check was in Bank of America 's possession.
I graduated college and my payments started at $ XXXX month with a 9.25 % interest rate. I have paid on time every month since, except one time when I paid 3 days after my due date due to my finances. I called a week ahead and spoke with a service rep who stated it was not an issue and that I would n't be late because of my grace period. Within 2 days, they called me and my grandparents 8 times in 1 day. I called and asked them why they were harassing me when I was n't even late and had spoken with their rep prior stating I 'd definitely have it paid within the week it was due. They said they call everyone at that rate and when I told them I was starting to have financial trouble because my payment is so high, they offered no help. I then asked about my interest rate because it had gone up to 9.625 % and they offered no help there as well. I told them I really wanted at least my interest rate lowered if both were n't possible so I could really start paying off my loan and they rudely told me I needed to pay more than the minimum due to make that happen. HOW CAN A PERSON OUT OF COLLEGE AFFORD MORE THAN {$800.00}? They are completely greedy and unreasonable. They will not lower my payment or my interest rate based on my income. I have called multiple times as I am going through financial difficulties and do n't want to default on my loans, but they are less than helpful. Im not calling saying I ca n't pay. I genuinely want to keep paying on my loan, but I do n't know how much longer I can afford this payment and I am afraid of defaulting and getting harassing phone calls everyday.
On XXXX XXXX, 2014 I made a settlement payment to XXXX XXXX XXXX to be credited to my account with XXXX XXXX in the amount of XXXX and some change. I received a call from a company called Debt Management Partners stating that they now own my cashnet account and that I still owe them monies. I do not as I have documentation which I am enclosing stating that I have paid them off. Please see attached. I paid this account with my XXXX credit card ending in XXXX. I refuse to pay for this account XXXX.
A certified brokerage inheritance check for XXXX was deposited on XXXX XXXX of this month, 2015. I was given a receipt and told the verification period typically took 24 hours, and if issues arrived I would be notified. 2 days later with no funds and no notifications, I decided to contact Wells Fargo and XXXX XXXX to see into the problems. XXXX XXXX confirmed the funds were withdrawn by Wells Fargo by XXXX XXXX. Wells Fargo has on three separate communications told me that : 1 ) They were still waiting on XXXX XXXX to confirm the funds. 2 ) That the check had been returned. 3 ) That the check had to be verified still. They have told me that my funds would be available on XXXX XXXX, which is abnormally long. They have also refused to make any portion available earlier, despite what I understand to be conflicting legalities of deposits over {$5000.00}. Customer Service complaints aside, I find their practice unfair and unreasonable and request a third party 's assistance on the matter.
For the last 3 years, i thought i was on an income based repayment, but when i redid my paperwork last week, i found out i was on an income sensitive forbearance. I was never informed that i was on a forbearance and even though i made payments for the last 3 years, they didnt qualify toward the 25 year ontime forgiveness. I now have to start from scratch at repayment. I have navient as a provider and now that im on an income based repayment, i will still be paying for at least another 25 years.
I have contacted Navient on many occasions to no help, I have requested a supervisor and have been denied, I have requested proof of my co-signature and still nothing. I have proven to them that their lack of due diligence in the loan origination has lead to years of credit damage and financial damages to me. Still I have nothing, the only request I had of them is to remove me from a loan that they do not have any proof of my signature since I was serving my country in XXXX when this loan was originated, still they refuse to even escalate this, costing me thousands of dollars in higher interest rates due to my lower credit. PLEASE HELP
My loan is from XXXX XXXX XXXX in XXXX XXXX, it used to be on XXXX XXXX but I guess they moved to mile of cars way. Interest is as high as 7 % and I can not use any of the credits I got there anywhere else, I still owe XXXX, I want some relief or a refund because this school is just not worth it, none of the teachers knew what they were doing. My loan used to be with XXXX XXXX but now it is with navient.
This company broke the terms of the accord set by the check I sent them which they have already cashed. I informed them that I will be sending them a conditional endorsement check payment by sending them a letter last   XXXX   XXXX  , 2017. Attached with this complaint is a screenshot of the USPS tracking page where it shows, they received my letter last   XXXX   XXXX  , 2017. I then sent them a check dated   XXXX   XXXX  , 2017, which cashed. Clearly the condition on the check says, " to delete the negative reporting from my credit report for check to be cashed ''.
The check has been cashed and the negative information still remains. This is a violation of California Civil code. Please see attached files proving this company 's violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT.
I have received, and responded to, calls from this company, verified that I am not the person who they are attempting to reach, yet they continue to call me at my place of employment demanding that I verify my identity to " ensure I 'm the person '' they are trying to reach. The person calling leaves the name XXXX and phone number XXXX XXXX XXXX XXXX.
I got paid this passed Friday XX/XX/17 and I 've been trying to use my app XXXX to cash out from my next check but they 're stating that my bank info is n't being sent to them. Im aware that my account is current but for some reason they ca n't access it.
I have a residential mortgage loan currently with CIT Bank and previously with One West Bank and before that with IndyMac Bank as each bank was bought up by the other so they are now " bigger '' than " too big too fail '' putting our country in grave danger that their corrupt practices will cause them to come begging for another XXXX dollar tax payer bail out. My loan originated in 2007 with Indymac Bank and for the term of the loan multiple copies of the proof of insurance for my condo building was sent to the bank over and over and over and each bank claimed they did not receive the faxes and mailed copies and thus, each bank threatened to place extremely expensive insurance on my condo even though they were provided mulitiple copies of the insurance declaration page, year after year, proving that the insurance coverage was uninterrupted year after year. In talking with these bankers, it is clear that they have a deliberate and malicious protocol to wear borrowers down by continually telling them that they have not received the multiple copies of proof of insurance so that they can force place grossly overpriced insurance that creates another profit source for them at the expense of the borrower who already has insurance. THERE IS A PATTERN TO THE BANKS CORRUPT AND AMORAL METHODS AND PROTOCOL AND IT IS CLEAR THAT THE EMPLOYEES ARE DIRECTLY GIVEN INSTRUCTIONS TO " LOSE '' OR " SHRED '' THE PROOF OF INSURANCE THAT WAS FAXED OR MAILED IN FOR MY HOME REPEATEDLY EACH YEAR FOR APPROXIMATELY 10 YEARS. NEVER ONCE WAS THE INSURANCE FOR MY APARTMENT BUILDING EVER NOT IN FULL FORCE AND EFFECT YET I HAVE RECEIVED THREATENING LETTERS BY THESE BANKS CLAIMING THAT THEY HAVE NOT RECEIVED THE PROOF OF INSURANCE AND THEY WILL GOUGE ME BY FORCE PLACING INSURANCE. PLEASE STOP " CIT BANK '' WHO CONTINUES THIS TRADITION OF CORRUPTION AND THIEVERY. ALSO, AS A BANK THAT IS BACKED BY THE FEDERAL GOVERNMENT, HOW IS IT EVEN LEGAL THAT CIT BANK DOES NOT PUBLISH ANY INFORMATION ON ITS EXECUTIVES AND IT ON DOZENS OF CALLS THEY REFUSE TO DISCLOSE THE NAME OF ANY EXECUTIVES, INCLUDING THE CEO.
i paid my lease in full and Ally Financial is reporting a voluntary repossession on my credit. this has damaged my credit score.
I received an email from Chase saying I could get {$30.00} off a {$150.00} purchase at Amazon.com on Prime Day ( today ). There were some conditions - all items must be shipped and sold by Amazon.com. I spent a good hour making sure that I met all the conditions for the sale. At checkout, the promotion code did n't work. I was told by Chase to contact Amazon. Amazon told me the deal was only valid until XXXX. There was no mention of that in the email that I received. The only time limitation was that it was valid on Prime Day. Today is Prime Day. I 'd understand if it was late at night, and maybe the code was set to a different time zone. But it 's XXXX.
I took out a loan XX/XX/XXXX with Western Sky for {$2500.00}. The first payment ( {$150.00} ) was drafted from my XXXX checking account XX/XX/XXXX. My monthly payment amount is ( {$290.00} ). I am current with the loan as of this writing. I have paid ( {$13000.00} ). For the last two years, a company XXXX has been calling my residence and cell phone XXXX times a day. They are requesting that I sign some form of documentation about my payments. For the last six months I have repeatedly asked for documentation concerning my loan, the payments I made, the amount of interest, etc. Only after threatening to stop the bank draft did they finally send me the information. These documents were mailed to my home. I was shocked to discover that I have paid back my original loan amount over five and one half times. 
XXXX is still calling both my home and cell phone several times per day. After doing some research on Cash Call, Western Sky and Delbert Services Corporation, I discovered that these are illegal loans and that in fact as of XX/XX/XXXX, Cash Call, Western Sky and Delbert Services Corporation are being sued for issuing illegal loans. In addition, according to a statement of charges filed by XXXX Department of Financial Institutions, XXXX XXXX, Western Sky, Delbert Services Corporation are all owned by one man, name not given. After reading more reports I also discovered that WS Funding, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX other companies are also part of this illegal loan. I feel as if I have been a victim of fraud by an illegal company.
Billed for a XXXX XX/XX/2018 for 1 day stay XXXX. Insurance paid $ XXXX+to XXXX hospital XXXX , GaXXXX XXXX billed me nearly {$2400.00} after insurance paid. I questioned the amount as the bill had many!!!!!!! charges labeled XXXX supplies. I am a XXXX XXXX  familiar with the XXXX process.Though I did not agree with the charges, I made two monthly payments of {$100.00} online. In XXXX, I was called by a representative from XXXX XXXX demanding that I agree to pay {$220.00} dollars per month to have it paid in 12 months. I refused because I could not afford it. I told her that I would continue to pay the {$100.00} but she said that I could not pay what I wanted and that they determined what I should pay and her communication became hostile. At that point I felt harassed and hung up on her. 2 weeks later in XXXX, I got a call from medical bill collections. I attempted to pay online and found the account closed and not accessible online.I was blocked from paying XXXX directly. Now a company called XXXX XXXX XXXX XXXX is calling me repeatedly from a toll free number and making threats to ruin my good credit unless I pay in full. I think that my rights were violated by both XXXX and XXXX XXXX XXXX.
Equifax continues to report information that they know is in violation of the FCRA ( re-ageing of the account ). 
They have only used EOscar to " verify '' the information and have not provided any legal documentation showing that the following have the standing to show an open account and that they can report the dates shown. The listed companies are well known for this type of action ( refer to FTC ) Upon Review of my Credit report the you will find that the Original Creditor information if very different then what is being reported. This will support my claim of illegal and damaging reporting on my credit report. 
Collection Agency : XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXCollection Agency : XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXOriginal Creditor : XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXOriginal Creditor : XXXXStatus : OpenOpened Date : XX/XX/XXXX
I discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX following phone numbers do not belong to me and are a result of fraud : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX XXXX I have attached a copy of my current lease agreement showing where I live which shows that I moved in XX/XX/XXXXand signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.
There is an old Capital One account where I never had a an account with a limit of {$900.00}. I have disputed this item with no outcome. Please help I would like some kind of validation.
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX/XXXX   XXXX, XXXX  XXXX/XXXX XXXX ( account reported multiple times on my credit report ) XXXX XXXX XXXX XXXX ( account reported multiple times on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account reported multiple times on my credit report ), XXXX, XXXX XXXX
I TOOK THIS LOAN OUT AND I PUT MY MISPLACED DEBIT CARD ON AND CALLED AND PUT IT ON HOLD UNTIL I FOUND IT. THEY TOLD ME THAT ONCE I PLACE A CARD ON HOLD THE CARD WILL BE FROZEN AND SENT A NEW ONE. I EXPLAINED THAT TO THEM AND IT A XXXX CARD I REQUESTED A NEW CARD ASAP, THEY TOLD ME IT WILL COST XXXX DOLLARS. I EXPLAINED TO THE LOAN PLACE AND TELL THEM I AM WORKING ON IT THEY CALL ME EVERY DAY AT WORK EVEN THOUGH I ASKED THEM NOT TOO. THEY GOT ME IN TROUBLE ON NUMEROUS OCCASIONS.
I had a vehicle financed with Security Credit Corp. In XX/XX/XXXX, I paid off the loan. Despite that, Security Credit is still reporting to the credit bureaus that I have an outstanding balance. And furthermore, they are reporting that my account is past due. This account has been paid off now for a couple months, and has never been delinquent.
I did not sign up and did not authorize the charge and have not been able to get them to cancel or refund the charges. I have been charged {$39.00} for the past 5 months Total scam - I did not authorize this.
A debt collection company named  Northland Group Inc.  continuously sending me letters during the past  2-3  years asking me to make a payment of {$660.00} they claimed that I owe  XXXX . I have never applied a credit card, or never did I purchase anything that did n't pay at first place in  XXXX , so I do n't know where does this {$660.00} come from. What 's even more suspicious is that they asked me for my SSN, and because I was n't aware of how unsafe it can be, I exposed my SSN to them. I have absolutely no idea on how to handle this at the moment, so I am looking for your help. Thank you!