WillisBack/dataset-financial-user-claim huggingface dataset:
The issue o have is not with the medical provider, XXXX XXXX, rather it is with the debt collector, Transworld Systems Inc ( TSI ).

I had a balance due for XXXX XXXX in the amount of {$20.00} for services in late-XX/XX/XXXX. That amount was paid to XXXX XXXX on XX/XX/XXXX.

On it around XX/XX/XXXX, I received a letter from TSI datesXX/XX/XXXX noting this bill had been sent to collections. Upon contacting XXXX XXXX, they showed no balance due and sent me a receipt of payment from the payment made XX/XX/XXXX.

I then tried contacting TSI numerous times between XX/XX/XXXX and XX/XX/XXXX originally at the number on the mailed letter ( XXXX  ) and then through a number on the TSI website when 5 calls to the printed number ended up in a disconnected call due to a mailbox being full. When I called the number on the TSI website, I was transferred to 2 different agents who both told me they couldnt access any XXXX XXXX   accounts and they tried to give me the number that Ive been trying to call for the last week. I asked to speak to a supervisor and The agent at TSI was unwilling to do anything other than give me the number I already had that wasnt able to connect to anyone.

This is highly frustrating likely fraudulent business practices that have now taken me over an hour of time to attempt to address. Please make sure TSI doesnt do this to others.
Hi my name is XXXX XXXX. Recently my step dad had a severe XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX hospital because of his XXXX XXXX. Long story short, we tried getting my mom an electric wheel chair ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ XXXX XXXX and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/XXXX XXXX/ and my experian report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged my credit ...
I signed up with this company and was misled as to the rates and fees that would be attached to this '' line of credit '', which effectively acts like a running payday loan with ridiculous fees. 

I have paid the principal amount of the loan ( {$480.00} ), and requested that the account be closed and considered paid in full. This was in an email sent on XX/XX/2018. 

The company insists that their practices are legal due to them operating on tribal grounds, and that California 's consumer protection laws are not applicable to them. This is in an email reply from them on XX/XX/XXXX. 

Their statement in the legality of the line of credit : " MobiLoans , LLC ( " MobiLoans '' ) is organized under the laws of the Tribe, is owned and operated by the Tribe, and operates exclusively on land owned by the Tribe. As such, MobiLoans is an " arm of the Tribe, '' and entitled to sovereign immunity and therefore not subject to any state laws. '' I'm not sure what else to do. Any help you can provide will be greatly appreciated. 

Thank you
My previous complaint filed here had a typo on the hard Inquiry date. The correct date of the disputed inquiry is XX/XX/2018 On XX/XX/2018 I submitted an online dispute to Equifax stating that a hard inquiry by XXXX XXXX XXXX dated XX/XX/2018 on my Equifax was NOT approved by me. 

On XX/XX/2018 Equifax replied with confirmation Number XXXX stating that they had investigated the dispute and did NOT remove the hard inquiry form XXXX XXXX XXXX. 

On XX/XX/2018 Equifax replied with confirmation # XXXX stating that there is no XXXX inquiry on my report and sent me a copy of the report. The report sent by Equifax now shows an inquiry with the name " Utilities '' dated XX/XX/2018 instead of the name " XXXX ''. 

Equifax provided me with the following invalid address : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wrote a letter to XXXX XXXX XXXX using that address and my letter was returned by post office as NOT deliverable. 

Equifax seems to be playing name games here and has not removed the hard inquiry dated XX/XX/18. I demand that the hard inquiry dated XX/XX/2018 be removed immediately.
I found that US Bank opened a fraudulent credit card account under my name for a thief, who somehow stole my SSN and maybe DOB. As the thief also reported a brand new address, which does n't match any of existing addresses in my credit reports, US Bank should conduct more rigorous underwriting process and due diligence, require proofs of the new address and contacting me at the address that is listed in CR 's. They also should be surprised ( and stopped ) by total absence of any mortgage for this new property and seeing that my existing mortgage for the CR listed address is not paid off ( like if thief told them that he moved ). This negligence makes US Bank an accomplice in the Identity Theft.
The account from XXXX college under the collections agency XXXX has been deleted and readded twice now after failed attempts to verify. I was never notified of it being readded. I just redispited the first time and it was deleted again, and now has been readded once again without warning and without validation. I want this account removed and blocked from ever being readded. This is breaking the FCRA laws.
On or about XX/XX/XXXX, {$550.00} was deposited into checking account as a loan via internet loan company XXXX. The APR as a yearly rate is 781.29 %. The finance charge for the dollar amount borrowed is {$1600.00}. The total amount paid back after all payments have been made is {$2100.00}. Within a week of the deposit, XXXX XXXX XXXX contacted me by phone exposing XXXX is known for violating the state laws for monetary gain at consumer 's expense and wanted to represent me on this matter. After doing my research, I learned that XXXX did in fact violate Indiana Statute : 24-4-4.5-7-101 et seq. through excessive finance rates and fees. I further learned the legal APR for 14-days {$550.00} loan in Indiana is 10 % of the principal equaling {$55.00} in finance and fees. XXXX 's contract ask for a payment being {$180.00} every 14 days for a term of 12 payments. The lending practices for XXXX is in direct violation of the Indiana Statute requirement for payday loans.
After reviewing the loan with a banker, I realized the estimated payoff amount started to increase from {$12000.00} in the statement dated XXXX XXXX, XXXX to {$13000.00} in a statement on XXXX XXXX, XXXX. Also the Accrued Interest doubled on two different dates. On XXXX XXXX, XXXX the interest was {$100.00} and on another invoice from the same date was {$510.00} and that happened again on XXXX XXXX, XXXX as well with accrued interest going from {$130.00} to {$380.00}. The interest rate is currently 18.89 % and my payments are {$320.00}, I asked if the interest rate could be lowered and was told 'Santander Consumer USA does not lower interest rates. '
I have a student loan in the original amount of roughly {$28000.00} with XXXX XXXX. The loan is currently with Northstar, and has passed to XXXX and a few other companies. I was enrolled in a 0 % interest program and have been paying on the loan for almost 8 years now. My current balance is roughly {$34000.00}. My loan has also been bought and sold to numerous companies without my knowledge. I have enrolled in the reduced interest program repeatedly, only to find out there was a mistake on the companies behalf, and that I would have to enroll all over again, meanwhile being charged exorbitant interest rates while being a few dollars off on the payment amount to qualify. The most recent example of this was in the winter of XXXX ( XXXX or XXXX. ) I was paying {$150.00} per month, and the representative told me there had been an error and and I needed to be paying {$160.00} to be on the 0 % interest program. Between XXXX and XXXX, they had asked me for a {$1000.00} down payment to be entered into a 0 % interest program. They failed to tell me it was only good for 6 months, and then did not contact me when it ended. This happened a number of times. My account was being sold from company to company, all demanding large down payments to be in reduced interest programs. I know I have payed off around {$15000.00} over the past 7 years, and somehow my principal balance seems to keep going up. I am currently receiving demands through Northstar Location Services. I am currently paying {$160.00}, as they told me last time I called I was off by {$8.00} to qualify for 0 % interest- so they blatantly lied to me.
Requested a pay off of vehicle loan held by Santander ' Consumer USA at the time a payment was due. When I called the following day the dollar amount had increased significantly. After speaking to a CS rep I was given a XXXX dollar amount. I asked to speak to a supervisor to explain their practice and was told someone would call me. This put the payment XXXX days late. 
After going back and forth trying to get anything close to my billing statement for an accurate number, I finally got a number that was again higher and different than the others however I settled for this and told the rep I wanted to pay and close the account while we were on the line. I was told the amount to settle the account in full was above the amount of transaction the we 're allowed to process over the phone and I would need to send my payment via mail. I did so. Even paying a few dollars more so I had peace of mind I was finished with this organization. The payment finally posted but only after a second 30+ days late fee. Luckily I included enough to cover this ( I expected this to happen since paying off an account here was not an acceptable practice ). Loan was a 72 month loan and it was settled after 53 months. My complaint is that I now have two XXXX 2 XXXX thirty XXXX 30 XXXX days late marks on my credit report. This company refuses to discuss with me due to the fact I no longer have an active account.
My previous dispute with Equifax did little to resolve the issue that XXXX XXXX XXXX maintains XXXX account on my credit report that should have dropped off in XXXX. Equifax did from my last dispute has no payment history, even though the account opened in XXXX, and went into default in XXXX. Therefore, under the 7-year rule of the Fair Credit Reporting Act this account needs to be removed immediately and permanently. There is no debate on this as by legal statute this credit trade line have outlived its usefulness and it must be deleted. I demand that all information be purged with XXXX XXXX XXXX and that any connecting collection agency be notified that this credit trade line can no longer be enforced either by state court actions or on the application of negative information on my Equifax credit report, or any other pertinent credit report. Equifax must delete this trade line permanently!!!
The name of the company is Santander consumer USA, and my car was flooded my insurance company issued a pay off and it didnt help at all. I owe more after paying an additional {$1800.00} Im a victim of hurricane XXXX, and I am still homeless and they want money I dont have. They charge 18 % interest rate even after the vehicle is just gone it would be different if I had the vehicle or the title or something because I could use a salvage title or have it salvaged or something to pay them off but no they have the vehicle It seems to me that Im going to be paying forever
I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX XXXX add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding XXXX station my location and area operation.
SELIP & STYLIANOU , LLP ( presenting XXXX XXXX ) misrepresented vital case information on several documents and provided falsified information to the courts. Additionally, the service processor used ( XXXX XXXX XXXX XXXX ) falsified the Affidavit of Service providing bogus and fictitious information.
Debt is from XXXX for the amount of roughly {$4100.00} is well outside of the seven year period is also the XXXX same dept as claim # XXXX filed on XXXX XXXX. They're calling mlm my cell with an autodialer.
XX/XX/XXXX I purchased a vehicle from drive time in XXXX tn. The amount financed was XXXX. This includes a warranty I purchased with the vehicle. XX/XX/XXXX I voluntarily repo the vehicle after I was told I could not trade as I was told when I purchased the vehicle. Drive time put a charage of XXXX on my credit. According to the laws of tn in regards to credit reporting by buy here pay here businesses. The business may only report a loss. Since I made 13 consecutive payments of XXXX totaling XXXX and drive time stated that the vehicle sold for XXXX. The refund of the difference off the warranty XXXX out the account. So thE amount on the credit report is invalid and fraudulent while also against the law of fcra and the state of tn.
Good Afternoon Maam or Sir, I am writing in reference to an auto loan with XXXX XXXX XXXX 

I purchased a vehicle in XXXX and XXXX XXXXXXXX XXXX provided ( and continues to ) finance the auto loan. 

I purchased a XXXX XXXX XXXX XXXX with XXXX miles ( VIN XXXX ). I was told the APR for the auto loan was 12 %, however, after paying a total of {$17000.00} ( As of today ) I realized that the actual APR is 24.15 %. I remember being rushed to sign the contract. 

I provided a {$4000.00} down payment and financed {$17000.00} for 72 months at a 24.15 %. After requesting a copy of the contract, the finance charge is {$16000.00}. As such, the cost of the XXXX XXXX XXXX XXXX with XXXX miles would be {$37000.00}. 

I have paid over {$13000.00} and the current balance is still over {$14000.00}. 

I purchased the vehicle from XXXX XXXX XXXX XXXX, NY XXXX, and I am a resident of CT XXXX.
POLICE REPORT WAS SENT TO ALL XXXX BUREAU 'S VIOLATES HIPPA, CRA AND MY RIGHTS INACCURATE INFORMATION MUST BE REMOVED XXXX POLICE CASE NUMBER XXXX XXXX
I have filed disputes with all 3 Credit reporting agencies XXXX, Equifax and XXXX in regards to a public record bankruptcy ref XXXX. All 3 bureaus keep stating that the bankruptcy was verified and is reporting accurately. I have compared all 3 credit reports and all 3 bureaus are reporting different " filed '' dates. XXXX shows a file date of X/XX/2010, Equifax shows a file date of X/X/2010, and XXXX  shows a file date of X/XX/10. How can they say that they verified the bankruptcy as accurate but yet all of them are reflecting different file dates. Per the FCRA all information contained on a consumer 's credit report must be true and accurate and all 3 agencies have violated my rights under the FCRA by stating that they verified this bankruptcy as accurate when in fact it is not.
I received a subpoena from a collection agency threatening to sue me on a time barred debt from 2004.This company has tried several times to garnish my wages but have been unsuccessful due to I only work 1-2 days a week and now they are taking me to court and asking for record of employment, checking/saving accounts, deed to property, titles to vehicles and copies of tax returns for the past 3 years which I do n't understand the need for because I thought it is against the law to try and sue or threaten to sue someone on a time barred debt.
I spoke with a company who Identified themselves as XXXX XXXX XXXX  verbally and via email. they are claiming that they are handling my debt from Huntington bank. here 's the problem prior to XX/XX/XXXX ( XXXX day ) I had no previous knowledge of an attempt to collect a debt and the company was just looking for the debt to be satisfied right away and wanted my card information. upon feeling unsure I contacted the company multiple times but always got different answers. So in short the company made me aware of Huntington bank planning on suing me if the debt is not settled. the issues here are that neither Huntington nor XXXX have any knowledge of a lawsuit and upon asking this company what regulator governs collections agency they blocked my number from being able to call. Also the most important thing in all of this is that the debt to Huntington was charged off in XX/XX/XXXX which is over 7 years ago and in Ohio statute of limitations are six years regardless of the type of debt. The time limit is counted from when a debt became overdue or when a borrower last made a payment, whichever happened more recently. If its been more than six years, a creditor can not sue a debtor for debt collection purposes. Please investigate thoroughly the only information I have on the company is their phone number which is XXXX and they sent me and email that came from XXXXXXXXXXXX
This is concerning a XXXX that billed me for a full {$180.00} payment for an appointment that I cancelled. I called her office within the 24 hrs and her voicemail mail was full. I finally got thru the day before my appointment and left a cancel message. I did n't hear from her office for 5 months and out of nowhere received an invoice saying I owed her {$180.00} for a late cancel. I called and told them I had cancelled this appointment but to no avail. Today I received a bill from a collection agency called Merchants Credit Guide Co. in XXXX saying XXXX XXXX had sent the bill to collections.
Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that the Experian Credit Bureau failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was sent in XXXX XXXX XXXX sent certified mail with USPS Tracking # XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.
They call me ( from A LOT of different numbers EVERY day ) every day. E V E R Y day. I owe no one anything. I had my accountant ( a few years back XXXX help me fix all of my debt problems and now have a credit score of XXXX ... who ARE these jerks???
I took out a lone for {$1200.00} and I have pay back {$1700.00} they said I still owe {$1000.00} I have made seven payments
In 2017 I was given a credit monitoring alert that a collection account was added to my credit report from Secured Resolutions not knowing anything about this company or debt I tried to get information to validate this information reporting on my credit report. I notified the collection agency asking for validation of the debt. They attached information which is enclosed.
Dear CFPB, Please help me CARRINGTON MORTGAGE refuses to help me modify loan because they said is not on their best interest to help me keep my home. CARRINGTON MORTGAGE requested for my full application around 3 different times and now they are telling they are not going to review my application because they don't feel like it. 

Please help!!! all I'm asking is for help to keep my home.
I went onto get my free annual credit report and Experian said they were unable to process my request, ( although I had just received my report from XXXX and XXXX ), however Experian was willing to mail me my report for {$20.00}! I feel as if I have just been cheated!
I applied for a unsucure personal loan.

With Wells Fargo. I have been banking with them since 1996. I submitted my XXXX for last 3 years and my last pay slip from Maryland before I was sent overseas to work for 6 months. I also submitted my 6 months of pay stubs in Euros. I was told from my local banker that my application looked good I have a credit score of XXXX  after having XXXX only two years ago. I was asked a few days later to submit my pay stubs again as they could not read them I did and then I got a call saying I was conditional approved. They also sent a email to say the same. Next day loan was declined I called in was told Wells Fargo are not able to convert Euros to US dollars.

They they said I could not use Euros as income. I informed them that I had to submit all my income with the IRS.

They then said I should try another lender I said I would not as I have only banked with them since 1996. They then said to try to include my wife 's XXXX  income I was a little hesitant to do this as she has some bad credit from 6 years ago. We did do the application it go declined was told because of my wife 's bad credit and also that I had changed jobs so many times. I have had the same job for six years and the job before was for 12 years. I have excepted the decline but did feel the treatment from Wells Fargo is fair and as this will put economic hardship on me as I will probably not get a loan else where after my credit shows Wells Fargo pulling my credit twice.

Regards,
Was in the middle of loan Mod when separated from husband and did n't find out that loan Mod was denied due to lack of documents submitted. I was not notified it was going back to foreclosure or that it was set for sheriffs sale on XX/XX/XXXX. I found out first week of XX/XX/XXXX from a neighbor. I called Nationstar and they said it was too late to do anything because was less than 30 days to sale. I asked them to send me the loan Docs they were using to foreclose because I never signed the loan. My husband did as my POA but I never signed a POA for him to be able to do that. They said there were too many pages in my loan ( which was a sub prime loan with a variable interest rate done in XX/XX/XXXX ) to send me those documents. The property was titled in an LLC ( XXXX XXXX ) which went bankrupt in XX/XX/XXXX. The loan note however was only in my name. They sold my home at sheriffs sale XX/XX/XXXX for {$220000.00}. I owed only {$210000.00}. according to Nationstar. It appraised at {$200000.00}. I have a child only a year off XXXX recovering from XXXX XXXX and I 'm losing sleep worrying about this and why I have n't been notified of the sale or why they will not return my calls.