WillisBack/dataset-financial-user-claim huggingface dataset:
Earlier this year I got a couple of alerts from XXXX indicating Commonwealth Financial was/has been reporting an emergency room medical debt to XXXX and XXXX  ( credit bureaus ) since about XX/XX/XXXX. The report states it's for a debt I supposedly incurred in the E.R. some years ago. I do not recognize this debt - the provider or the amount - and I assume it's because all of my medical debts were covered by insurance. I never received any bills pertaining to this amount, or from this company. I disputed the account to XXXX XXXX which appears to have removed it, but I still see it reporting to my XXXX  and XXXX  reports. The reports indicate information was recently updated but doesn't report as under dispute, which I'm aware consumer protection statutes require. 

I have yet to see anything, document-wise, produced which would indicate any debt is owed. I looked Commonwealth up on the website of the Florida XXXX. and see that their previous license to collect debt in Florida was REVOKED and their new license only went into effect in XX/XX/XXXX. I'm not sure if that explains why they never bothered to contact me before reporting this collection, but I imagine they shouldn't be allowed to do either without a license to collect in this state.
Hello, my name is XXXX XXXX. 
Back in XXXX XXXX I have received a paper promotion from Citibank ( Citigold checking account ) which offered XXXX XXXX when you meet certain criteria : 1. You currently must have Citibank / XXXX XXXX credit card ( I had it since XXXX XXXX and it 's still active ) 2. You must make XXXX or more bill payments within 2 consecutive months ( I made XXXX ) 3. It must be a first time Citigold account ( it is, never had XXXX before ) 4. Must spend $ XXXX or more within 3 months ( I spent {$1.00} in 30 days ) 5. Must apply before XXXX XXXX, XXXX ( I applied either XXXX XXXX or XXXX ) 6. Must have XXXX account ( I have XXXX, it 's still active XXXX ) Account was opened at the Citibank branch XXXX in XXXX, NY and the rep told me she sees that I 'm eligible for that promo. 
So they promise that 2 months after doing all that I should be able to see my XXXX which never happened. I started XXXX investigations and they keep saying that unless I show them that piece of spam they sent me in XXXX they wo n't help with miles. Branch manager couldnt do anything either. I see a lot of people have complained about it XXXX so you guys are my last hope. 
I have attached XXXX latest statements of my XXXX XXXX account where you can see there 's no XXXX bonus.
I had collections that I paid with this debt collector. They then said that I was responsible for my husbands accounts with them. I told them no because they were not mine. They reported to the credit bureau that they were mine and that I had created the debts. I called the credit bureau/equifax and asked and they said absolutely not, they ca n't do that. I disputed the debt twice and the agency is still reporting that the debt is mine. The accounts # and dates for this is the same as the collections on my husbands. They were not joint accounts and we both do n't go to the emergency room on the same dates. The credit reporting agency still keeps saying I have to pay it and keeps reporting this as bad credit. Equifax did not do enough to prove that this was not my debt and it was done maliciously.
I was presented an opportunity to purchase my mother a house from Wells Fargo with XXXX % down earlier this year. My mother raised myself and my XXXX brothers for most of my life. This was something that was really important to me and something we all were taking very seriously. I did n't present the finding to my mom till WF and I were 100 % sure this was possible. 

The deal was if my mother lived in the house and she was dependent on me helping her the deal would be considered Owner Occupied. Submitted the application including all of my information and my mothers. The details went back and forth for about 2 weeks and the end result that is was approved by XXXX underwriters. ( Including XXXX manager ) I went to my mother with the great news. ( Obviously a HUGE deal for her ). Her son is being able to help her buy a house. Off to the races. My mom is off looking at houses and finally finds " the one ''. I put down the earnest money & submit all the paperwork to get the conditional approval. It took us about a week but everything was met and we now have a closing date. During the time that everything was being put together WF sent me an offer to complete a course to get a lower APR. ( {$80.00} dollars & 2 hours of my time ) Appraisal and Inspection and came back great all besides the seller did n't have an outlet cover on one of the outlets in the kitchen. Closing date is pushed back a week to meet a second Inspection. During this week everything regarding the multiple account scandal was coming out. This lead to WF stopping the loan TWO days before closing. Giving me the reasoning that my mother did n't met the " XXXX '' requirements for the loan and I would need to come up with XXXX % down to complete the loan. They were unable to tell me what requirements she did n't meet. 

I was unable to come up with the extra XXXX % in the matter of two days and we had to back out of the deal. The issues that came from that were intense. I lost my earnest money and my mom lost the rental she was leaving in. We were stuck - Complaining back and forth with WF did nothing. We were pushed from the branch manager to the XXXX manager. I spoke with him one time and then he began ignoring my calls. After being ignored 5-6 times I went back to the branch manager mentioning the damages. This must have triggered something because I was then lead to their " Executive Resolution Specialist ''. They have been pushing the issue out months claiming they need to do a full audit of the loan. I 've been catching up with the local branch manager multiple times and he continues to say no one has contacted him about this audit. All of this has led me to submitting this complaint with the CFPB because they still have not resolved anything and have n't contacted the WF employee that completed the loan. ( Meaning no " audit '' is going on. ) My hope is just to get my money back for this deal. I have a lot more supporting documents that I can round up ( if needed ).
I have a bank account with Ally my wife takes care of all our bank accounts we deposit a Ally and the freeze my account stating that I was depositing too many checks from her. Which I dont see why would that be a problem she is my wife we are trying to save when our pay check come in she write all the check to our billers and XXXX to our saving account. When I deposit the check again Ally freeze my account and they reason being is being I had too many checks coming from her. Then my account got sent to the fraud department and they lady name XXXX that they place over my account has been very rude and disrespectful towards myself and my wife it has been almost a month dealing with this case and every time we call into follow up she always act as through she has an attitude and do n't want to be bother with us. They still have my account lock and claim to ca n't find my deposit.
After years of struggling to make payments on my private student loans. Navient charged my loans off to a debt collection bureau. I was able to eventually reach a settlement for XXXX dollars with the debt collection bureau to settle the delinquent debt and put the loans in a positive status as paid in full as a result of settlement. Even after reaching the settlement and filing several disputes on all three credit bureaus, Navient is still incorrectly reporting my accounts as delinquent and charged off. Pay law they should change the status and it should be reflected on the credit report.
I recently received a notification from the credit bureau of a collections account from Receivables Performance reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX with Receivables Performance acknowledged the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate.
The XXXX Scott Lowery, P.C. law firm is representing XXXX , XXXX in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX Scott Lowery, P.C. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.
I would like the CPFB to look into American Express 's " XXXX '' practices regarding the " pay over time '' portion of the billing. Specifically, they limit one 's ability to make payments to this portion which incurs interest. 
My recent payments XXXX XXXX for the XXXX statement included funds ( for all accounts ), that were properly applied to the " pay over time '' portion. However, today when I attempted to make an additional {$250.00} payment it went to a portion that is not due until the XXXX or XXXX of XXXX ( for the XXXX statement ). And, AMEX would not apply as I intended to reduce the " pay over time '' balance charged 15 % interest. 
If I have additional money to reduce interest fees, I should be able to apply them as long as my current bill is actually not due, versus being in the " billing cycle '' as AMEX says - to get away with preventing me from reducing this balance quicker. 

So instead of the {$250.00} earning interest in my account or going to reduce my fees, it has gone to AMEX to pay only a portion of the {$2800.00} dollars that is not due until, according to the statement, XXXX XXXX.
I had a perfect credit history. I had no late payments with my creditors for some several years.  My score ranged for XXXX to XXXX normally.  On XX/XX/XXXX, the Navient company reported a 90 day late to the credit bureau for the months of XX/XX/XXXX and XX/XX/XXXX.  This infarction caused my credit score to drop to XXXX.  I had been making payments monthly to Navient. Consistently, the Navient Reps ensured me that as long as payments were consistently made; I would be in good standings. However, that was not the case. I made my last payment on XX/XX/XXXX. and was held in default for not only XX/XX/XXXX but XX/XX/XXXX as well. I have contacted Navient by phone to dispute, but was unsuccessful. I have submitted a written Dispute that is pending. My frustration comes because Navient  incorrectly informed me on my account situation and also was not given the appropriate consideration.I asked that the 90 Day lates be removed from my credit report. Thank you in advance for your cooperation into this matter.
On XX/XX/XXXX, I joined XXXX and received a FicoScoreXXXX credit report. At that time, I discovered a collection reporting from Receivable Recovery Services. This was my first knowledge of this alleged debt as I did not receive any prior correspondence from this company. This company refuses to fully validate this alleged debt ( see attached correspondence ). I have never in my life been XXXX. I divorced and later remarried in XX/XX/XXXX. My current husband has not been XXXX during the entire time he has lived in Louisiana. Although this debt is disputed, as of XX/XX/XXXX this company continues to report this collection activity ( see attached ).
On Wednesday, XXXX XXXX, XXXX, I spoke to a representative at Suntrust Bank who identified himself as XXXX a supervisor. I was concerned about the many {$36.00} charges to my account, I was told that on XXXX XXXX, XXXX I had a balance of {$230.00}. He also told me that a charge came in on that day from XXXX XXXX for {$19.00} and that amount was put on hold making my balance {$210.00}, afterwards there were other charges of - {$10.00}, balance of XXXX, then - {$25.00} with a balance of {$180.00}, then - {$56.00} leaving a balance of $ XXXX.Now here is the problem, I used the phone app which showed a balance of {$79.00} and withdrew {$60.00} which showed I had a balance of {$19.00}, I then made a purchase {$1.00} and there was a charge for {$7.00}. From my app these charges did not constitute an overdraft, however when I logged back in I found that the all transactions except the {$56.00} debit was charged a {$36.00} fee. My sincere concern is this, if the {$19.00} charge came through on XXXX XXXX, XXXX and the amount was subtracted to change my balance from {$230.00} or {$230.00} to {$210.00} and we continue to deduct the transactions from that balance that when the {$19.00} finally showed up on the account as a transaction on XXXX/XXXX/XXXX it should not have been charged a {$36.00} fee because the amount was already put on hold and deducted from the original balance at the time it was presented. My concern here is that if you put funds on hold and deduct it from a customers account you ca n't post it later as an NSF to get excess fees. It appears also that from the banks prospective even though I saw on my app that there was {$79.00} in the account and there was only {$59.00} when I made my ATM withdrawl, I was charged {$36.00} because I was {$0.00} short. After this series of charges anything else that came in, Suntrust just charged {$36.00} at will. I charge them with intent to defraud. Please advise and look into their banking practices. My account number is XXXX and the routing number is XXXX. You do have my permission to gain access to this account for your reviewing purposes. 

Regards, XXXX XXXX XXXX, # XXXX
GMFS contacted me by phone offering a forbearance as a " courtesy '' on XXXX/XXXX/16 They gave false information about the terms of the forbearance. 

They stated that a 3 month forbearance would be made up at the end of the 30 year loan. that the loan would change from 30 year duration, to 30 years and 3 months. 

They also stated that my credit score would not be affected, there would be no delinquency issues, including late fees or interest fees. 
When the 3 month period was almost over, I contacted them and they stated that the previous information given on XXXX/XXXX/16 was not true, and that all 3 monthly payments were now due at one time, on top of my XXXX payment. These practices are unethical, untruthful, and disgraceful and the company should be held accountable by offering restoration and reversing the damage that they have caused.
I have owned my home for nearly 25 years and am facing a foreclosure sale due to a non responsive lender, Fay Servicing. I have tried repeatedly the last couple of years to resolve my mortgage delinquency with Fay, but my requests for help have been ignored, reviews have not been opened, they have sent people out to shake me down -- one time they actually had a company come and break into my home and shut off the power and disconnect the utilities!! They have done everything except what they are supposed to do, which is WORK WITH ME! I make a good living, I am a self employed entrepreneur and never had any issues making my payments until I had major problems due to XXXX. I was in and out of the hospital and literally missed a full year of work. On top of that the medical bills were devastating and I fell behind on all of my payments. 

I wanted to save my home and since I had a XXXX loan I believed that my lender would work with me. I began the process of review for a modification but before the review could be completed my loan was transferred to another company. I began the process again and submitted the necessary documentation for review and was starting to get traction when once again my loan was transferred to another company ( Fay Servicing ). This was beyond frustrating as the delinquent amount continued to grow. Fay Servicing told me they would not work with me and that I needed to pay the full past due amount to them or I was going into foreclosure. I am not in a position to reinstate the loan, but I do make a good living and I have been told there are multiple programs available for struggling homeowners through XXXX program, yet Fay Servicing has never ONCE reviewed me for any of these programs or given me the opportunity to be considered for help. Fay Servicing was also the recipient of {$70.00} XXXX dollars in bailout funds and I thought they were required to consider me for the government modification programs. I have tried multiple times to resolve this matter and work towards a solution, but feel that I have been obstructed at every turn. I am asking for the actual opportunity to be reviewed for all programs so that I can save my home.
ComplaintMy wife and i filed for CH XXXX in XX/XX/XXXX, XXXX XXXX in Arizona. One of our creditors was " Citibank '' wherein we proposed to treat CitiBank 's claim, which was secured by a second deed of trust on our XXXX at XXXX XXXX XXXX XXXX. XXXX AZ XXXX that had a value of less than the amount owing on the first deed of trust, as an unsecured claim which would share pro rata with other unsecured claimants in a {$50000.00} dividend ( the " Dividend '' ). ( See Plan pages XXXX, and XXXX. ) As evidenced by the Certificate of Service on file in the case, the Plan was sent out to CitiBank and other creditors on XX/XX/XXXX. 
The Plan was approved and confirmed by the Bankruptcy Court on XX/XX/XXXX. A copy of the court 's Order is enclosed. 
Since the Plan 's confirmation, we have fully distributed to unsecured creditors, including CitiBank, all amounts required in the Plan ; and a final decree has been entered in the bankruptcy case. All of the Dividend payments have been accepted. In particular, a total of {$3600.00} has been paid to and accepted by CitiBank on account of its claim. 
Upon its confirmation, the Plan constituted a new contract with us and our creditors that superseded the old contracts. Section XXXX of the Plan provides that " the rights afforded under this Plan and the treatment of Claims under this Plan shall be in exchange for and in complete satisfaction, discharge and release of all Claims .... '' CitiBank received its Plan payments and no longer has any Claim against us and therefore must release its lien. 
We received " Notice of Final Decree and Order Closing Case XX/XX/XXXX. Since that date, we have written, phoned, faxed and mailed dozens of requests for CitiBank requesting to release its deed of trust against the Property, recorded on XX/XX/XXXX in the office of the XXXX County Recorder at number XXXX ( the " Deed of Trust '' ) ; but it has thus far failed to do so. Even our attorney has written, but to no avail. 
However, they refuse to take any action. We have an urgent issue necessitating the sale of this property immediately, but are unable to do so because of the lien Citibank refuses to remove. And now, we have received a letter asking for a " Voluntary " payment of $ XXXXin order to release the lien on the property. ( enclosed ) If unable to have this removed immediately, we will be totally financially destroyed after meeting all of our financial responsibilities under the Bankruptcy court requirements and obligations. 
Thank you for your Assistance, XXXX XXXX
Appearance of some type scheme they may have been involved in with the mortgage company agent that didn't allow me to use and FHA Grant (  XXXX XXXX ) that I qualified for and offering another type of loan at the very last minute. I was never given a clear answer as to why they would not accept the grant. 

They lenders were very unprofessional and seemed to drag everything out intentionally. The whole process was unnecessarily stressful. They were still going back in my tax history having me pay off claims that I had already worked out with IRS as far back of XX/XX/XXXX, for example. None of this made sense to me. Since they had waited until the last minute, I had to deplete my savings and retirement account to come up with the down payment. 

I was devastated because I really thought I was in a great situation to purchase a home at that time. 

They constantly " strung '' me along, with periods of time of not taking my calls, lying about why they weren't able to respond to me, saying that documents I sent them were not readable, or they didn't receive them. Also, throughout the whole process I was assured everything was okay and that I would be closing. The closing date was pushed up at least 4 times. I never understood why this kept happening. All I know is it was extremely stressful and weird. 

This all seemed to be intentional to cover something up about the grant that I qualified far If I didn't quality, shouldn't they have let me know sooner so that I could have made a better choice earlier on before I had put so much money and time into purchasing the home. .On the day of " closing '' they were still saying they would not be able to quality for one flimsy reason or another. I was still running back and for the to XXXX re-sending docs they said they didn't receive. I actually didn't meet with the realtor attorney until XXXX that XXXX at his home. 

To top this off, I wasn't able to address some issues I had with the property. I was lied to by the realtor that a " walk through '' wasn't needed because I trusted him when he assured me that everything had been taken care of. 


I feel strongly that something sinister was going on. 

Please advise.
I have disputed the information you listed on my report : XXXX XXXX XXXXXXXX # XXXX : Unverified information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information.
Not understanding the interest on the balance. The amount I have been told is not consistent and I have not seen a decrease. Loans have been deferred and in forbearance sold from XXXX to Navient now to Department of Education. I am now currently enrolled in IBR and public forgivness and still no change.
on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { XXXX, equifax and XXXX } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you