WillisBack/dataset-financial-user-claim huggingface dataset:
Husband was taken to ER and seen by ER doctor before being admitted to the hospital. All claims pertaining to this admission have been paid correctly with the exception of the ER doctor. I believe the original claim was not filed correctly and the hospital was paid instead of the doctor. I have an EOB showing that the amount they claim due was paid to the hospital by our secondary insurance carrier less than one month after the claim was filed. I have been told on more than XXXX occasion that because my husband is the subject of the claim, but not a party to it, the information they can give me is limited. I have made XXXX XXXX XXXX XXXX phone calls to various entities and sent XXXX letter with copies of all pertinent information at my disposal in an effort to clear up this matter. It is my belief that the original claim as filed by the hospital was not done correctly and therefore the funds were paid to them instead of the ER doctor. Much to my dismay I have not been able to get them ( at least they have never told me they had XXXX to go back to the original filing by the hospital to determine if indeed this is actually the problem. If I am correct in this regard, then the hospital owes the ER doctor the balance, not us. I did check with Medicare and was told that they must submit all claims to the secondary insurer as shown on the paperwork submitted to them. When I spoke with the secondary insurer they did assure me that the claim had been paid in full but could not give me the check number ( again because my husband was not a party to the claim, just the subject ). They stated that they would be happy to correct any errors, if any, but the complainant must contact them by phone ( anything written would end up in the infamous " round file '' ). The complainant responded to me after I delivered this message that they could not contact the insurer by phone which seemed absolutely ludicrous to me. Any assistance you can give us in resolving this issue will be greatly appreciated. 
The ER doctor 's organization was advised in XXXX 2016 that any further contact by them or effort to collect this debt would be considered harrassment.
Dear Credit Protection, This letter is in response to your collection on my credit report which was opened on XXXX XXXX, 2012. Since the amount is so small, I wish to save us both some time and effort by settling this debt. 
Please be aware that this is not an acknowledgment or acceptance of the debt, nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am willing to pay [ this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. 
If you agree to the terms, I will send certified payment in the amount of {$120.00} payable to [ Credit Protection in exchange to have all information related to this debt removed from all of my credit files.

If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Credit Protection. The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act
Due to a loss of income last year ( $ XXXX/mo. ) I applied for a loan modification through our lender, Ocwen Loan Servicing XX/XX/XXXX. We were approved for a modification and made our first trial plan payment XX/XX/XXXX. We successfully made our 3 trial plan payments and continued to make payments to the mortgage company after the trial ended. We started calling them XX/XX/XXXX as we had not received our completed modification papers to make the modification permanent. We spoke to our relationship manager three to four times a month requesting our paperwork. We were always told that the paperwork was with the underwriter and we should have it " soon ''. We finally received our paperwork XX/XX/XXXX. We had the papers notarized on XX/XX/XXXX at the bank where I included a cashier 's check for the monthly payment as Ocwen had requested and mailed the papers that day. When I called in XX/XX/XXXX to make my house payment I was told that my loan modification was denied because they did n't receive the paperwork within the allotted time frame of 30 days. When the customer service representative looked into it further we were told that they had in fact received our paperwork on XX/XX/XXXX and that the modification was denied on XXXX XXXX. When we asked why they told us it was because the lender had that right. We called numerous time after that and we were told that it was being sent to a supervisor and that they would fix it. I tried to make a house payment in XX/XX/XXXX and they once again would not accept my payment due to the denial. On XX/XX/XXXX I received notification that my loan had been referred to a law firm for foreclosure. We never received anything from Ocwen stating that we were in foreclosure. When I spoke to yet a different customer service representative I was told to just fill out another request for modification. I did that and submitted a complete application XX/XX/XXXX which was later denied because we had submitted a XXXX application within a years ' time. In XX/XX/XXXX I was told by another representative to send an email to the escalations department asking them to look at the original denial. On XX/XX/XXXX we received notice that the denial was overturned and that they were approving our modification. I was able to talk to our relationship manager on XX/XX/XXXX who told me that he had to ask the research department to confirm that we had made all of our payments. About a week later we received documents in the mail showing payment history starting XX/XX/XXXX but none of the payments from XX/XX/XXXX. Ocwen is now telling us that we are in default again due to no payments being accepted by them since XX/XX/XXXX. As of this week our relationship manager is still unable to give us any information as to how we are to proceed from here. I would greatly appreciate any suggestions that you can offer at this point. We want to keep our house. Thank you.
These XXXX companies are continuing to request payment for accounts that I do not owe. 

{$140.00} from Stellar Recovery and {$36.00} from XXXX XXXX XXXX. 

These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to XXXX. 
This needs to be removed ASAP. 
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). 
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. 
I will contact the Attorney General against XXXX, XXXX and XXXX and both of these companies if this is not resolved NOW! 
ALL references regarding this account must be deleted from ALL reporting agencies. Since
This company has been Robo calling me twice a day, every day for the last 5 days. I have added their phone number to my blocked list but they keep trying to call. When I called them back they refused to identify themselves until I answer personal questions about myself. 

I'm not going to give my personal information to a stranger over the phone. Their representatives refuse to tell me who they are and what company they work for. They just keep telling me they have an important business matter to discuss. I have hung up on them several times. I have asked them twice to stop calling me and the calls have not stopped.
Ocwen Mortgage issued me a XXXX form in 2014. This cancelation transaction was report to the IRS, and it 's been confirmed by the IRS that the debt is in their system. Due to a Medical financial hardship I 'm presently in default of my mortgage. A XXXX, non profit organization that Ocwen referred me to work with was unable to secure me a forbearance or modification due to not enough income. The non-project discover that Ocwen, has inflated my principal pay off balance on my mortgage to {$460000.00} after I had informed them that a XXXX cancelation of debt was submitted in 2014 in the amount of {$300000.00} to the IRS. Over the last few years, My monthly statement as well as my credit report showed my Principal amount at {$130000.00}. The Non profit contacted Ocwen to exsplain my current mortgage status and they were giving confusing information, in so many words they admitted to jumping the gun on canceling out the debt and sending that form to me & the IRS, The non profit stated to that something is n't right here based on the last letter sent Ocwen is frantically trying to add the {$300000.00} debt back to my mortgage and I may need to speak legal advice.
Hello, My father ( XXXX XXXX ) had a Parent PLUS loan serviced by AES. My husband and I made regular monthly payments of {$590.00} via ACH toward his loan balance up until the date of his XXXX, on XX/XX/XXXX. 

I contacted AES by XX/XX/XXXX notifying them of my father 's XXXX, and they were in receipt of the XXXX certificate indicating the date of XXXX to be XX/XX/XXXX. I was advised that the loan was forgiven effective on the date of XXXX. I was unable to obtain other information until my Letters of Administration were conformed by the courts, which AES received in XXXX of XXXX. 

My issue, and what has since dragged out for a year past the date of my father 's XXXX, is that the monthly ACH withdrawal hit our account on XX/XX/XXXX ( date of XXXX - a Saturday ) and was removed XX/XX/XXXX ( Monday ). After the significant back and forth over multiple phone calls, I was advised that since the loan was forgiven on XX/XX/XXXX, that my personal payment would be reimbursed. I ironed out the proper protocol to submit a dispute and request reimbursement with a woman named XXXX, mentioned by name and employee number in the letter I sent to AES, and which is attached to this complaint. 

As I had not heard anything since my letter was mailed XX/XX/XXXX, I called AES to request a status update on XX/XX/XXXX. I was told that my complaint and request for refund were rejected on XX/XX/XXXX on the grounds that the payment was made prior to the date the company received the XXXX certificate ( XX/XX/XXXX payment vs XX/XX/XXXX XXXX cert receipt ). As this directly contradicted the information I had previously received, I requested to be transferred up the line to a supervisor that could assist. While I was being bounced around over the 40min call, I was advised I needed to send another dispute letter ( disputing the outcome - at my expense via XXXX ) to the same address I had sent the original letter ; I was also told by an employee XXXX ( # XXXX ) and her supervisor XXXX ( # XXXX ) that the circumstances appeared odd given the date of forgiveness was indeed retroactively forgiven on XX/XX/XXXX, therefore any payments after that date would have been effectively surplus ( paraphrasing ). The conversation ended when XXXX mentioned that all other supervisors were in a meeting and unable to take my call and would call me back by close of business PST yesterday, XX/XX/XXXX. I have yet to receive a return call and am deeply frustrated by being put through this circus for a calendar year. 

My goal is to receive the {$590.00} that I paid toward this loan - that was not in my name nor my responsibility, to begin with. Please assist, as I 've done everything possible and ca n't seem to get straight answers or any real help from anyone whom I 've spoken with about this matter. The emotional and financial toll has been a significant burden, as have the repeated 45+ min calls for which I have to take time off from work. 

Thank you, XXXX
Citibank promotional offer for XXXX american airline miles for opening a citigold account. Opened account in XXXX XXXX, completed prerequisites in XX/XX/XXXX, points have not shown up as of XXXX XXXX XXXX. After many messages with Citi, points were promised on XXXX/XXXX/XXXX, never showed, now my case is thrown in a pile with a huge backlog, i 'm told.
I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update in XX/XX/XXXX. In those complaints I informed XXXX, Equifax and XXXX of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX, XXXX XXXX Mi. XXXX '' was incorrect and it has been removed. But The XXXX XXXX XXXX continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.
I paid this with my XXXX XXXX XXXX XXXX. I have proof with the check that was sent to this company and its still on my account. I owed XXXX XXXX XXXX, and they sold my account to Franklin Collections. They say we didnt and i can upload it and they can talk to my banker as well.
complaint XXXXt ditech is trying to use fake documents against me ... .i have the real ones notarised ... .there 's is fake and not notarised ... i have copies of both ... .they are trying to XXXX me out of {$16000.00} ... .they also tried to infect my computer with a virus sent in an email from them ... PLEASE HELP ME ....
I have contacted Credit Acceptance 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, XXXX has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX
Someone gained access to my bank account online by changing my password. According to the banks fraud department, they were able to change the online because they had my social security number and debit card number. Once they gained this access to my account, they changed my mobile phone number online and signed " me '' up for a peer to peer mobile payment app the bank offers. They attached this service to my savings account. They now controlled both ends of the transfer sending and receiving. They sent themselves {$1000.00} from my savings account. They then tried to change my statement preferences and email address but were unable to do so. When the money transfer went over, the online access was cut off by the fraud department being notified to the activity somehow. I have filed a fraud claim with the bank and it is still under investigation. I have changed all of my account numbers and debit card but am still considering leaving the bank and going straight cash consumer. I have also filed fraud ID alerts with all 3 of the credit reporting agencies and ID theft with the FTC and reported the incident to the best of my capability to the Social Security Administration of which I intend to follow up on to determine if a new SS # can be issued. I was informed on more that one occasions by more than one fraud agents that our ss # are our main identity identifiers ' in this country and there really is not any other in place so the reality is this will happen to me again and again in my life with my current ss #! I do not know what else to do, I feel so violated, angry and shafted by the system. It's like, we know and we are sorry- hope it doesn't happen again to you : - ) There has got to be a better way.
XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies (CRAs) with an open date ofXX/XX/XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately.I have tried to resolve this issue with XXXX XXXX multiple times via phone calls (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX), emails (XX/XX/XXXX and XX/XX/XXXX), and written letters (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards XX/XX/XXXX), auto loans (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX), and has increased car insurance quotes (XX/XX/XXXX).XXXX XXXX claims that I was refunded $XXXX on XX/XX/XXXX and another $XXXX on XX/XX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1) there was a $XXXX  withdraw from XXXX XXXX and 2) I never received the $XXXX in return to my bank account on or around XX/XX/XXXX orXX/XX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate $XXXX returns onXX/XX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or around XX/XX/XXXX.Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date ofXX/XX/XXXX. The last instance I was even at XXXX XXXX was XX/XX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs.In addition, I have tried resolving this with Equifax, XXXX, and XXXX. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports.Attached you will find screenshots of my bank statements proving that I absolutely paid the $XXXX and a definitely NEVER received a $XXXX. XXXX XXXX's debt collection needs to be removed from my Credit Reports immediately.
US BANK has been unwilling to work with me to modify my loan. I have consistently submitted all documents requested since XXXX 2014, with no avail.They constantly lose docments I fax, send correspondence from all over the US. No one can never give me the status and says its in underwriting or in process.THIS IS STILL CONTINUING to this day.
I have maintained a PNC Bank account since XXXX, XXXX and was placed in a traditional type of account with maintenance free checking, money market account and no fee ATM card. We had enjoyed that convenience for many years and even through several other bank offers. In XX/XX/XXXX, at the XXXX branch of PNC Bank, we were asked to change our account to a premiere or premium account feature with more conveniences and we reluctantly agree. Now, we just discovered that we had suddenly been charged {$10.00} money market account maintenance fee for the last 13 months because we were oddly required to come into a branch and change to yet another type of account or incur the charges. This is really very disappointing as it seems that now, the bank decides when to require its customers to physically come into a branch to change their account and quietly charge their accounts when they do not comply. The manager at the XXXX branch told me that since I just initiated the update today, they will refund only one of 13 months account charges. I need some investigation into this as this may be happening to many other customers. It is actually a glorified form of stealing from customers.
I went to XXXX XXXX Hospital emergency room in XXXX California for an injury in XXXX of 2017. I was covered by Medi-Cal at the time. The hospital billed me anyways. I sent the hospital proof of insurance within 90 days and reported the billing to Medi-Cal. The XXXX office also sent proof of coverage. The hospital sold the debt and the collection agency refuses to remove the negative credit reports and bill from my record. The billing company is CMRE.
On XXXX/XXXX/XXXX a hard inquiry was pulled on my credit report. I did not give permission.
PMAB collection continues to harass me with unsolicited phone calls from spoofed numbers and mail me about a debt I do not owe. The bill is question was workers compensation claim and all bills for that claim has been satisfied by workers comp and insurer. PMAB was sent a ceist and desist XX/XX/2017 to stop. which is attached to this complaint.
I currently have a Pick-a-Payment loan with Wells Fargo. Although this product is no longer offered through Wells Fargo, it has been grandfathered into their loan products.
My loan was originally with XXXX XXXX, when I discovered the negative amortization feature of the loan, and saw my principal consistently increasing, I attempted on eight different occasions to obtain a loan modification.
The first seven times I was told that my debt-to-income ratio did not allow me to qualify for a modification. I then did all I could to mitigate my circumstances, by going back to school and receiving a XXXX 's Degree in XXXX XXXX and a XXXX XXXX XXXX XXXX I have a four bedroom home and my adult daughters have moved back home to rent out their old bedrooms and help with utilities. My nephew has moved in as well and is renting our family room for his bedroom.
The last time I applied for a modification, I was told that my total income allowed me to make my Principal and Interest payments. However, the P & I that was used on the NPV worksheet, was the minimum payment {$3900.00} of the Pick-a-Payment loan, and not the full principal and interest which was {$5300.00}.
When I appealed their denial, based on the inaccurate P & I used, Wells Fargo explained that they were able to use the minimum Pick-a-Payment amount, and stood by their decision of denying the modification request.
The last three times I applied for a modification, I was told, and received a letter, that stated an Escrow amount for the property tax and homeowner insurance would be establish and last the duration of the loan.
Then after the denial I received a letter that stated I had to bring the escrow balance down to XXXX. To do so, the payments were spread over a set period of time and resulted in a drastic increase of my monthly payments.
After the appeal, I was told that they unknowingly had extended the Pick-a-Payment option and I would now have to pay the full P & I + escrow. This was an increase from {$3900.00} to {$6800.00} a month.
My extended family helped me to make the first two {$6800.00} payments, however, I have exhausted all of my resources and am unable to make another {$6800.00} payment. I am currently two months behind, and have over {$4000.00} in late charges. My original loan amount has increased by over {$100000.00}.
I desperately want to keep my home, and only want P & I payments that I can afford.
I read an article dated 2015 that explained the class action lawsuit you filed on behalf of Wells Fargo customers who have had similar experiences with the Pick-a-Payment loan, and was wonder if it 's to late for me to use the case for some type of recourse, so I can keep my home.
With XXXXBTC in my XXXX account, I requested an increase in my daily limit transfer so I could engage in arbitrage. My account was closed in early XX/XX/2018. I emailed them for a reason. They replied that I wasn't XXXX yet. I ( re ) submitted my identification docs to show that I am. They replied that the account was closed for other reasons, that they couldn't disclose. I have asked that my account be reopened but have gotten only emails in reply asking how satisfied I am with the resolution of my case.