WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XXXX of 2014 I sustained a XXXX injury and was taken to XXXX XXXX  at XXXX XXXX XXXX, XXXX FL XXXX. They stitched me up and presented me with a bill. At the time I was on hard financial times and very short on money. On XX/XX/2014 I personally visited the accounting/business office at this same location to make an offer of full and complete settlement for any and all charges due, in cash, that was accepted. I have a paid receipt signed by XXXX XXXX, Cashier at XXXX   XXXX  marked XXXX Bal Due in her handwriting. In turn XXXX XXXX has referred the ENTIRE AMOUNT out for collection multiple times. I have disputed this on my credit reports and had it removed multiple times. They have now sent it out again. After over 4 years of this nonsense I have had enough. 

What they have done constitutes Civil Theft. They took my money then came after me for the full amount. 

I will appreciate your kind assistance to resolve this matter. 

XXXX XXXX XXXX
My complaint is concerning Ability Recovery Service, PO BOX XXXX, XXXX, PA XXXX. Ability had been calling me to pay a debt identified to me only as XXXX ID XXXX. To date I have never received anything from Ability Recovery Service in writing.
Ability Recovery Service calls for three or four consecutive days every few months to demand payment. Each time I inform them that they must correspond with me in writing only and if they wish to talk to someone they must speak to my attorney at XXXX Law in XXXX XXXX XXXX, Utah. 

On or about XXXX XXXX XXXX I sent certified letter number XXXX which demanded validation of the debt Ability Recovery Service asserted that I owe. 
I also demanded proof that Ability Recovery Service was allowed to act as a collection agent for their unknown client. The XXXX XXXX XXXX website confirmed delivery to Ability Recovery Service as of XXXX XXXX XXXX. 

As of today, which is 108 days after a representative from Ability Recovery Service signed for my letter, Ability Recovery Service has neither validated the debt nor removed it from my credit files. 

In my letter dated XXXX XXXX XXXX I informed Ability Recovery Service that I will consider their refusal to respond in writing as verification that they are unable to confirm or document their claims. I furthermore informed Ability Recovery Service that this failure to reply within 30 days an acknowledgement that they are not able to validate the debt. 

A debt that is not validated can not be reported to the credit reporting bureaus. Ability Recovery Service must ensure that reports concerning this debt to any and all credit reporting bureaus are removed. The time limit for Ability Recovery Service to have  corrected my credit files expired on or about XXXX XXXX XXXX. As of today it was still being reported on the XXXX, XXXX, and XXXX credit reporting bureaus, none of which will remove it because they all report it as disputed but within the law to report it. 

This caused me real economic harm when I recently refinanced my house, as I did not get the best interest rate possible on my new mortgage. My mortgage broker estimated this cost me upwards of 0.28 % higher interest, which translates to {$25000.00} over the life of the mortgage.
A debt collector is demanding payment of a 2011 weed abatement lien for the City of  XXXX FL. I told them in writing I sold the property over a year ago subject to all the liens so the debt is no longer mine. They verified with the city that the debt WAS mine when it was incurred. 
I called the city tax collector office and the gentleman wanted to know whose authority were these debt collectors going under? 
I 'm sure they bought my account cheap from a previous collector who appropriately ceased contacting me years ago.
XXXX XXXX, XXXX I 'm writing to you in regards to my Synchrony bank account at JC Penney I started an account with JC Penney approximately seven years ago. Recently synchrony bank acquired the credit account and since than I have had nothing but problems. 
I had a balance of {$320.00} on XXXX XXXX XXXX. I set up a payment agreement on the internet, for {$65.00}. However, my payments were not deducted from my account on the same day every month so I paid off the balance on XXXX XXXX, XXXX. But, Synchrony continued to credit my account. On XXXX XXXX, XXXX, they credited my account XXXX. I called and was told this would not happen again and a check would be issued. I asked for written documentation and was told they could not give me anything in writing. On XXXX XXXX, XXXX my account was again credited for XXXX. Again, I called and told them my account was closed and paid off and again they sent me a check. 
Because I did not trust them I had my bank stop payments on any deductions they tried to make. Since XXXX they have tried to credit my account four times and now claim I owe them XXXX last time I talked to them, I got so I angry and cursed them out. They accused me of lying. Please, can you help. This is hurting my credit and my husband and I are looking forward to buying a house in the future. 
I have enclosed a copy of my bank records showing when they credited my account, the stop payment issued by the bank and the statements from JC Penney. 
Thank you in advance XXXX XXXX
Mr. Cooper was my mortgage company for a property I purchased. 

A couple months prior to expiration date of my property mortgage insurance, my insurance agent and I faxed and emailed reinstated proof of insurance for the property covering XXXX XXXX, XXXX through XXXX XXXX, XXXX. 

After receiving non-renewal from Mr. Cooper, I called. Emailed and faxed over the proof of insurance. My agent also emailed the proof of insurance. 

Mr. Cooper sent me non-renewal letters after that to which I called and asked how many times do I and my agent need to forward the proof of insurance before Mr. Cooper updates their file. 

On XXXX XXXX, XXXX, after receiving another non-renewal letter from Mr. Cooper, I called them. ( As of XXXX XXXX, XXXX, Mr. Cooper mortgage transferred my loan to XXXX XXXX XXXX ) I found out on XXXX XXXX, XXXX that Mr. Cooper has been billing me for home insurance policy and that Mr. Cooper paid out {$1100.00} on my behalf for this insurance. I was told my loan account showed having two policies. Mr. Cooper actually got an insurance for me and has been billing me. I have been paying this without knowing!. A lady named XXXX at Mr. Cooper told me I will be receiving a refund check within 5-10 days. 

I still have not received it. When I call Mr. Cooper, I was put on hold and after few minutes, I would get cut off.
None of the above actions properly stated my issue, although I was forced to choose one. I chose, '' contacted me instead of my attorney '' but that is n't the issue. New Hampshire state law does not permit debt collectors to leave messages. a debt collector from Bonneville Collections left a voicemail for me on my cell phone in early XXXX.
This has been an on going battle since XX/XX/2008. My compliant starts when this company ( at the time was Sallie Mae ) told me that there was nothing that they could do to help. I was laid off, and with my unemployment checks I paid my student loans and kept them current until my last check I called and was told there was nothing. I paid {$200.00} at least 4 times for a forbearance which didn't go to my loan, just lined the companies pockets. As I struggled to make my payments I would pay as much as I could month. I got a letter saying I have not paid anything so I called and asked about this. I was told the money was going into a " piggy bank '' until a full amount was reached to pay the monthly amount. That's not right. So while I was making payments they were not being applied to anything and hurting my credit and making my bill larger with penalties and late charges. After years of this going on my bill has gotten out of control that I'll never be able to get out of. I've talked to several lawyers to file for bankruptcy with no help. I got my wages garnished by some collection company that I called and we worked out a XXXX dollar payment a month which I did and did successfully so last year I filled another IBR and I got a letter saying my payments are going up {$760.00}. There's no way I'll be able to make that payment a month and this is just getting ridiculous. My school shut down, I never got a job for what I went for and student loan forgiveness doesn't help me and it's all because of this company completely ruining my life.
I have a high interest loan through Prosper loan. After repairing my credit I was able to get a bank loan at a much lower interest rate through XXXX out of XXXX, Illinois to pay off the Prosper loan. On XX/XX/2017 XXXX sent Prosper a check for XXXX on my behave to pay off my loan with Prosper. Prosper lost the first check. 
The bank stopped payment on that check on XX/XX/XXXX and sent Prosper a new check via XXXX on XX/XX/2017. Prosper received that check on XX/XX/2017, and presented it to XXXX on XX/XX/2017 for payment and the funds were transferred to Prosper on I believe XX/XX/2017. Prosper was presented with proof that the funds were transferred to their account and is still unwilling to acknowledge the payment and has put my account into " pass due '' status which will eventually affect my credit rating. Prosper has a financial interest in my paying for the full terms of the loan and feel that is there end goal here. At this point Prosper will not speak to me and will not respond to the support ticket that was placed on my behalf by XXXX.
XX/XX/XXXX, a letter was written by Navy Federal Credit Union stating if I paid XXXX they would settle my credit card account and stop collection processes and send a letter showing the account settled. This did not happen. XX/XX/XXXX I recieved a letter basically bait and switching me. The letter stated we did not have a settlement agreement and they still took my payment and still owe XXXX pus and they look forward to speaking to me to settle the account. Basically took my money and did not supply what was promised. A settled credit account and a letter showing this. Instead, they took my money and are making me pay off the remaining balance. I have a photocopy of the letter, which was also sent with the payment so no mistakes would happen. I'm pretty sure they thought because I sent the letter with the payment, I can not prove that's what they said. Not true. I have a copy of the settlement letter and the letter stating they basically took my money and went against their agreement. These are attached with this complaint. I also have proof of when the payment was mailed. It was tracked.
Step 1 : What is this complaint about? 
I sent bitcoin from XXXX to XXXX ; however it arrived it Coinbase where the company says it successfully transferred to XXXX, yet the funds are no where to be found. I believe Coinbase lost my money and have been unresponsive so far. Its been a week.
On my last and final XXXX 's bill, XXXX 's charged me a late fee and interest in the amount of {$34.00} for allegedly failing to pay my bill by the XX/XX/2018 payment due date. These are fraudulent charges by XXXX 's because the full payment ( {$390.00} ) was sent in a timely manner via U.S. Mail from XXXX MN, however, the payment was not processed by XXXX until after the payment due date. I requested that the error be corrected on a XX/XX/2018 phone call to XXXX 's, but XXXX 's declined to correct their mistake. The delayed payment processing times and poor customer service are a result of XXXX 's bankruptcy and liquidation. 

This bill was absolutely paid in full and on time.
Equifax has divulged my information without my consent via the recent data breach. This has made my personal identifiable information, including but not limited to my SSN, my date of birth, and my credit card information, essentially public information.
I used my Bluebird card for XXXX XXXX hold until I returned the car. XXXX released the funds and Bluebird is giving me the run around telling me different stories, one being that XXXX did n't release the funds yet, and another being that it was released but American Express requires the funds to be held for 30 days. Also when I called Bluebird, I had to call back about four times because every time I asked to speak to a supervisor, I was hung up on by the representative.
I received a letter from LJ Ross on or around XX/XX/2018 attempting to collect a debt from XXXX. I mailed out a letter requesting LJ Ross to provide me with the contractual agreement between LJ Ross and myself on XX/XX/2018. I requested that they send me that contractual agreement within ten ( 10 ) days of receipt. They received the letter on XX/XX/2018 and as of XX/XX/2018 I still have yet to receive the contractual agreement between LJ Ross and myself.
On XX/XX/XXXX, American Express sent me an email stating my payment had not arrived. I never set up for such email alerts. My payment is due on the XX/XX/XXXX and was not late. I called on XX/XX/XXXX to inquire about my payment and it was received XX/XX/XXXX. So not only was my payment received before the email was sent out, it also was not late. I requested that the email alerts be removed and he said I had to do it online. I'm on vacation and don't have time for that. So not only did I have to take time out of my vacation to call them to inquire on a payment that was received now I need to remove myself from such alerts that I never signed up for. I want American Express to stop emailing me and remove me from any email alerts they send to my email. My payment is always made on time.
Applied to Suntrust Mortgage on XXXX/XXXX/16 to refinance our Suntrust Equity & existing Mortgage w/Seterus XXXX. The existing Equity expiring XXXX/XXXX/16 with a higher interest rate Plus a Revolving Line of Credit Fee. 
A check for {$500.00} was written for an appraisal, We received our contract via XXXX everything was moving along fine, Suddenly XXXX XXXX was not returning phone calls, We received a letter from XXXX XXXX Banks requesting a third copy of our personal information and was later told XXXX XXXX was no longer with Suntrustt and could not find all the files previously sent. At this point we decided to refinance with XXXX XXXX and was told the appraisal was no longer valid and another appraisal was required. 
. Thank You,
I closed on my mortgage on XX/XX/2018. USAA Bank received their funds that day. I had an escrow balance of more than {$900.00}. I called after 10 days to inquire where my funds were and was told I should receive them within 20 days of closing. I inquired again today and was told they were disbursed on XXXX-18 ; not mailed, disbursed. 
Mortgage companies should not be allowed to hold my funds without paying interest for that long. The loan account is not like a checking account, all outstanding or pending debits are accounted for on the closing statement and therefore no reason to hold the account open. 

My account # is XXXX ; the property address is : XXXX XXXX XXXX, XXXX, OH XXXX.
Citi Bank opened and issued me a MasterCard credit card in my name without my consent or request.As you know this can lower my credit score, and share information I want kept private. My mail box has been invaded by junk mail from them for years trying to give me their card and now they just by passed my consent and issued it to me.
Fed Loan servicing has continued to incorrectly service my federal loans for several months, despite my continuous calls to have them correct my account. I sent in my re-certification for my IBR payment plan on time, however, I have a significant change in income. I was approved for {$530.00} on XXXX/XXXX/16. On XXXX/XXXX/16, I submitted a form to have Fed Loan re-consider the amount I was approved for under the REPAYEE plan. On XXXX/XXXX/16, I was told that Fed Loan was unable to process my request. I called and was told that I needed to submit the form again which I submitted again with XXXX more paystubs on XXXX/XXXX/16. I was told that they are backed up and that it would take time for them to review my account, therefore, I could either may a payment under the standard repayment plan which is approximately {$2700.00} or I could submit another form for a special reduced payment forbearance where I would pay only {$5.00}. I was approved for the special forbearance on the phone and I was told to wait to make my {$5.00} payment until XXXX/XXXX/16, which I did. On XXXX/XXXX/16, I received a notice stating my reduced payment forbearance was approved. I made my {$5.00} payment on XXXX/XXXX/16. On XXXX/XXXX/16, I received a notice stating my payment was late. I called immediately to find out why my account was showing as late and was told to ignore this. On XXXX/XXXX/16, I was approved for the REPAYEE plan and I immediately made my payment of {$360.00} on XXXX/XXXX/16 - which was early as the letter stated my payment was due on XXXX/XXXX/16. However, my account still shows as delinquent. I have called several times regarding this and have been told different things everytime. I made a call on or around XXXX/XXXX/16 and was told that after my payment due date of XXXX/XXXX/16, my account would reflect my {$360.00} payment and it should no longer show as delinquent. I was also told that I needed to make another {$5.00} payment because Fed Loan never applied my forbearance to a few days in XX/XX/XXXX, that it was only for XX/XX/XXXX, even though I had called and applied in XX/XX/XXXX. I made that {$5.00} payment immediately on XXXX/XXXX/16. I waited until XXXX/XXXX/16, however, it still showed as delinquent. I called again and now demanded to speak to a supervisor. That supervisor told me that all the prior representatives I have been speaking to over the last few months have given me wrong information. She assured me that she would correct my account, that I indeed have been on a forbearance and my account should never have been delinquent. She assured me that in a few days my account would be corrected. However, my account is still showing as delinquent at 36 days past due and my payment amount due is for {$530.00}, which is incorrect. My payment due should be {$360.00} and not due until XXXX/XXXX/16. In addition, I have asked several times whether Fed Loan has reported to any credit bureaus any delinquency and have been told they have not. I have refrained from making a complaint, but this is now absolutely unacceptable. Fed Loan needs to correct my account immediately.
My identity was stolen and a lot of accounts were taken out in name including student loans. Please help me to rectify these fraudulent accounts : Dept. of Education/XXXX in XX/XX/XXXX for {$68000.00}. Ive constantly called them to setup payments to avoid it dragging my credit down any further. This is not my account!! Other accounts are as follows : XXXX XXXX XXXXXX/XX/XXXX Balance : {$1100.00}. 
XXXX XXXX/XXXX XXXX XX/XX/XXXX Balance : unknown XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX credit limit : {$2000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Resolution XXXX
XXXX was unfair and deceptive in its credit card practices towards me. Sending me bills on marketing products I didnt buy and was deceptive in their collection practices.
I was contacted on XX/XX/XXXX along with three family members from XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX-XXXX regarding some claim. I contacted on XX/XX/XXXX and spoke with XXXX trying to obtain further information regarding said claim and to probe as to the continuous harassing calls family members have been receiving. When I attempted to probe about steps to validate debt and receiving documentation I was advised by XXXX I would have to reach out to the original debtor who will then forward me back to XXXX. 

I spoke with XXXX XXXX on XX/XX/XXXX and simply asked for validation of debt and requested for paper documentation regarding debt. XXXX became abusive in language and began accusing me for owing this debt, stated that information on my credit report reflects a great amount of judgements against me and that I don't pay my debt and that I was going to court and to jail regarding this matter. I attempted several times to request documentation regarding debt as this is the first time I have been made aware of any debt that was owed and not fully paid back. I was not able to receive any information regarding debt as XXXX XXXX attempts were to have me acknowledge debt. I have no clue who this person is and I didn't feel comfortable verifying anything over the phone without first understanding the origin of debt, amount owed and what debt was for. 

I have requested two times today during my phone calls to utilize the stop calling option regarding my family members being called repeatedly during the last two days. 

I was unable to receiving any information regarding the debt and was not provided with any resolve to obtain debt information to have resolved. I also explained that I was part of a fraud alert and as a result I will not verify payment over a phone if I have no idea whom I am speaking with. 

XXXX hung up and threatened to sue and press charges regarding debt.
Hello I wired {$60000.00} ( XXXX XXXX  ) to XXXX/Coinbase onXX/XX/XXXX, I verified every information on XXXX page, routing #, acc # and wire message twice before sending the money.

wire info : REF : XXXX XXXX XXXX XXXX TRN : XXXXXX/XX/XXXX After a few days without my Coinbase acc being credited I wrote support and they gave a ticket # XXXX, on XXXX I received this email " '' Hi XXXX, Thanks for sending in the requested information.

The wire may be returned because it was missing your banks details in the originating institution field.

I am working with a payment specialist to address the wire properly. We will follow-up with you as soon as we have an update " As of today XXXX  I haven't received any update on my case, customer support doesn't respond my emails, phone support does not have access to bank transactions, basically there is no real person to talk to about this type of issues, just an unresponsive email address.

bottom line, as ofXX/XX/XXXXI don't know where my money is.

Thank you
I have contacted all   XXXX   credit reporting companies regarding incorrect info on my credit report regarding a collection from  Choice Recovery .  XXXX  deleted the incorrect info however  XXXX   XXXX  will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks