WillisBack/dataset-financial-user-claim huggingface dataset:
In 2015 I was going to a clinic for XXXX called XXXX XXXX XXXX XXXX XXXX XXXX, PA and they told me they accepted the insurance i had at that time. I believe the main office is located on XXXX XXXX XXXX in XXXX, PA XXXX. Soon after I started getting bills in the mail. So i talked to the reception lady up front and she told me it would be taken care of. I kept getting bills, so i questioned them again i was again told they would wipe the charges off my account since they wrongfully told me the insurance was being accepted. Soon after i quit going to the clinic. I now have 16 different accounts of {$240.00} that are in collections and is affecting my credit. I tried contacting the billing department for XXXX XXXX XXXX and there was no answer and nobody attempted to reach me back. I think this situation is completely wrong and I know of other patients that have ran into the same problem with the company. They are trying to charge me what my insurance should have paid but would not while telling me they were. I feel i was being told false information, I was told the problem was taken care of several times, and now it is affecting my credit and there is absolutely nothing i can do. The debt collection company doesnt want to hear anything about it and XXXX XXXX XXXX is such an unprofessional clinic it can not take care of a simple billing problem. The collections company is XXXX XXXX XXXX.
I have a current mortgage loan with XXXX XXXX XXXX, loan is serviced by Loancare for a Co-op in NY. I am currently in contract for the sale of my co-op & also in a purchase contract for the purchase of a new home. Currently both files are cleared to close except for we are waiting on Loancare ( my current lender on co-op ) to produce the collateral documents needed for closing. The purchase of my new home is contingent on the sale of my co-op. I have been at Loancare 's mercy going on two months now awaiting either the closing documents needed to move forward with the sale of my co-op or for them to concede to not having the documents & provide me with an affidavit stating the documents are lost, in order for my Co-op to reissue the original collateral documents. My buyers ( for my co-op ) have already extended their rate with their bank twice ( having paid fees to do so ) & my seller for my home is threatening to pull out of deal since I have been unable to close. Between these two deals there is over {>= $1,000,000} at risk & I have no place to turn other than threaten to sue them if these deals are lost. I don't know what else to do.
I applied for a assumption with Nationstar Mortgage on XXXX XXXX, 2016 and as of today 's date they can not tell me whether I 'm approved or declined. I have submitted the documents requested more then once, changed the contract dated per the mortgage lender with Nationstar because it is out dated, and I signed disclosure as of XXXX XXXX, 2016 which I believe they are out of compliance. I have tried to speak with a supervisor of which no one can give me a name or number at the XXXX number or this mortgage lender. The original mortgage lender is now out of the picture and another person has stepped in. This person has asked for information that I has already given them and they still tell me that the wait time for a approval is 30 days from todays date XXXX/XXXX/2016.
On XX/XX/XXXX, I received a notice of default and intention to foreclosure. In order to cure that default, I was informed to pay the past due amount of {$2400.00} by XX/XX/XXXX. I paid said amount on XX/XX/XXXX, in which I will be providing proof of  transaction along with this letter. Ever since this date, I have made all mortgage and property tax payments on time, which were electronically made to XXXX via my personal bank. Despite all payments being processed on time, I was told that I am missing payments to my loan and mortgage servicer. At the beginning of XX/XX/XXXX, I  was notified by a new carrier, Carrington Mortgage Services, that I owe a total of {$8000.00}. I tried reaching out to the new carrier to resolve this issue and was unsuccessful with their compliance. I have not received any monthly statements of payment history and/or confirmation of said payments within the last two years from them.
I had my directexpress card stolen and reported it within XXXX hour and closed it. I made a police report that same day then found out were it was stolen. I went to the minimart and talked to the manager and watched the tape of some woman stilling it..I then made several calls to the bank to resolve the issue. XXXX month later I finally received there form and sent it back. Two weeks ago I received a letter from them stating that they could not confirm that fraud occurred.
We forclosed on our home 6 years ago. Have made our payments on time, never missed a payment. Now 6 years later citimortgage send us a letter stating they need hazard insurance. Made multiple phone call to try and tell them we do not want to pay for insurance on a house we do n't live in. Every time we call we are told they will investigate. Well as of today Citibank purchased insurance that they are now adding to my account. By the way they said my previous insurance expired XX/XX/2016 which is not possible. Would love anyone at Citibank to look into this I mean look cause obviously the investigative work did nothing. # XXXX
LoanMe has been sending me emails regarding my payment status, and claiming that I 'm calling them and to call Them back. However I have not called them regarding my loan nor have I emailed them. They continue to send me automated emails on how to make my payments and to call this number back as if I phoned them. It 's becoming annoying and it 's false communication tatctis
These inquiries, unrecognized by me, are posted to my report : XXXX   XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX. XXXX XXXX XXXX XXXX,XX/XX/XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX. 
XXXX, XX/XX/XXXX ( twice ). XXXX/XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX.
RoundPoint Mortgage Servicing Corp. keeps charging us for flood insurance that we do n't need. We have adequate flood insurance and have provided documentation to them numerous times. They assure us that they have the information, and then we get a bill for flood insurance that they have purchased for us.
For the past year, I have repeatedly informed this institution on the best feasible way to reach me and each correspondence is sent certified mail. I have stated on the web for the past 6 months that I CAN NOT access the loan portal page since Bank of America changed some permissions on the portal so I am unable to access and technical support was unable to override. 

Per the attached, there has been challenges with either receiving mail or having mail sent of the office. ( see attached ). If I am unable to obtain some items which are FREE this would indicate that are issues. I also requested that if I needed to be contacted to please contact me at my residence at XXXX. I am charged to connect to BOA from XXXX and if a fortune XXXX company can not contact regarding this issue or issue a collect number I 'm further concerned about this consistent attempt of BOA to insist they have n't received documentation and/or can not contact me. In addition, there is a XXXX hour time distant from the XXXX to XXXX so please do not contact me after XXXX. 

Additionally, on three separate occasion BOA or its agents have been on-site to either threaten or prevent rental of this property. This documentation has been sent on various occasions with dates and names. This has cost me thousands of dollars to include issuing a writ of possession since the agent informed the tenant that she should not be paying rent. Eviction resulted in XXXX worth of damage to the residence. BOA asked if I would be able to pay XXXX of good faith money down and I asked if they would like for me to put those funds down or to pay for the damage. There was never a response so I assumed the repair I have before and after photos to validate my good faith. 

This coupled with the fact that this company has not attempted to complete the RMA, sent back two certified full payments which would have taken the house out of foreclosure at the time and NEVER informed me to make a payment. Illustrates the intent of this institution to be unwilling to adhere to acceptable mortgage servicing practices. 




Therefore, I requested that the home be sold at XXXX which is the cost of the last appraisal conducted. This also is in accordance with the loan modification process ( attached ) but NOT adhered to by BOA. 

With all the documentation that I have on file and the correspondence submitted and not acted upon I am pretty confident, well documented solid case. I am unsure if this case of rampant through BOA or if this is a rare occurrence. However, I truly do not wish to have any dealing with BOA and would like to sell this residence so I can get on with my life.
I 'm beyond exhausted trying to get Experian to correct the numerous errors on my file! 
I 've called them several times and written them as well. I have all supporting documents that back up my disputes I have sent Experian my police report and all other documents to have them look into this matter. Experian is reporting accounts that I have no knowledge of and that do not belong to me. Some of which were previously deleted and reappeared! When I complained through the BBB they stated they could n't find my file in their system. My Experian file number is XXXX. The accounts are the following listed : XXXX XXXX, XXXX, XXXX XXXX and XXXX. XXXX XXXX is absolutely inaccurate! This debt buyer was sending me fake robo-signed court documents which I hired an attorney for and they were served a cease and desist order! Experian is taking a huge risk being that portfolio recovery was ordered by a judge to terminate false reporting. The CFPB sued XXXX XXXX ( File No. XXXX ) where XXXX XXXX was ordered to pay {$19.00} XXXX in consumer relief and {$8.00} XXXX in civil monetary penalties. XXXX is still falsely reporting for an account I never had! This is my final warning to Experian as they have ignored my disputes. Experian needs to remove and delete the accounts disputed. Experian has violated the laws of the FCRA where it states they 're suppose to block and delete accounts opened as a result of identity theft within 15 days! I 've notified our city attorney general 's office and I 'm willing to talk to the media about this! This complaint acts as my final notice before I take legal action. To ensure compliance and to halt a lawsuit I will take against Experian ; Experian needs to respond to me within 15 days. Failure to do so will act as evidence of Experian 's infringement upon my legal rights and I will immediately seek legal avenues to remedy this situation.
American Express sent me to collections. I began paying the collection agency ( XXXX XXXX XXXX in XXXX ) every month and when I did, I received a notification from American Express via e-mail. They now do not send me statements anymore. When I call them to get my balance, they direct me to American Express. When I call American Express, they ca n't help me and tell me to call XXXX XXXX. I have never received any correspondence from XXXX XXXX. When I call the number that American Express gave me for XXXX XXXX, they answer the phone, saying, " American Express '' and say they are not XXXX. I need your help. I want to finish paying this bill and I want to resolve the credit reporting issues for this debt. How can I find out my balance and find out if I am paying the right company?
My Mother in Law passed away and had an existing Quit claim deed for myself and my wife, Her daughter. 
The mortgage company refused to acknowledge our rights to the property for almost 2 years and would provide no information on the balances due and how our continued payments were being applied as we have made double payments and a {$10000.00} principal only payment in XXXX of this year. 
I was finally able to get a statement showing how are payment were applied and it has an extra fee charged to it for every double payment and they charged a fee to accept the lump sum payment. 
Upon asking why they did this i received a letter from the Staff attorney XXXX XXXX from 21st Mortgage corporation stating they would answer my questions in the future but haven't done so. 
I also requested a payoff amount for the loan and it is the total sum of all the payments through the term of the loan with no reduction in interest for the early payoff. 
They basically refuse to answer questions and have not been forthright about my payments. 
This is not the originator of My Mother in laws loan. I believe she had a death benefit on the original loan and it should have paid off the mortgage upon her death but the paperwork is confusing because we can't find the original documents. 
I feel that this servicing company 21st Mortgage is taking advantage of us and probably all it's clients. 
The Attorney 's name is XXXX XXXX XXXX Attorney ext.XXXX XXXX Can you help us get them to be legally forthcoming and find a resolution to the extra fees and total payments made without interest reductions?
XX/XX/XXXX : received a notice from the County of XXXX stating my property tax payment is overdue. I paid the pending balance due even though I have an escrow account with Nationstar/Mr Cooper. 

I subsequently contacted Nationstar/MrCooper to let them know that I paid directly because the county did not get my payment from them. Nationstar stated they sent the property tax payment of {$3500.00} on XX/XX/XXXX. 

As of XX/XX/XXXX there has been no payment in the amount of {$3500.00} from Nationstar/MrCooper ( or XXXX XXXX, which is the company who makes the payments on Nationstars behalf ). 

I have asked Nationstar to credit back the {$3500.00} they deducted from my account but they have yet to respond back to any of my inquiries.
In my most recent Transunion Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Transunion to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.
I am providing by request from navy federal. On the XX/XX/XXXX the transactions that need to be addressed. I did this in XX/XX/XXXX XX/XX/XXXX and 2 times this year. I cant see credits from navy federal anywhere on here. The only deposits made to bring account positive were my deposits. They paid Bill 's when I asked them not too. And they tried each bill 2xs with fees and no refunds. By doing this they made a horrible situation worse. And took account to XXXX dollars. There were no credits for the fraud or checking account checks due to them. My mom XXXX XXXX XXXX was a joint owner on this account. I have provided death certificate twice. This fraud attacked her and I. Since she was a joint owner this account should have been taken to XXXX balance and taken off all reports. Please look at uploaded material and notes I've made for you.
Equifax 's absolute lack of security has caused my name, address, date of birth, and social security number to be leaked to the public. Equifax 's incompetence has put my financial security in jeopardy. I am now and will continue to be under constant threat of identity theft, harassment, and financial ruin for the rest of my life. I never gave any form of consent for Equifax to store my personal information, and I especially never gave consent for them to leak this information to the public.
In XX/XX/XXXX, I paid XXXX XXXX XXXX XXXX ( XXXX )  approximately {$70.00} for a charged off checking account I discovered. In XX/XX/XXXX, I discovered that XXXX had falsely reporting the account as " LATE '' every month although it was paid in XX/XX/XXXX. I called XXXX in XX/XX/XXXX to ask them to fix the error. I was directed to file a dispute with the credit bureaus. So I filed a dispute with all three credit bureaus in XX/XX/XXXX. In XX/XX/XXXX once the dispute was completed the false reporting was still present. I called XXXX again today. I was told the reporting is accurate by XXXX a XXXX collections employee, which led me to seek further assistance from CFPB. There are almost 50 false reports of a late payment on my credit report for a {$70.00} charge off that I paid in full years ago. This is hurting my credit immensely. XXXX should be held responsible for not resolving my credit dispute within 30 days, if not for the years of false reports.
Over the last 3 days I have received calls from my ex-wife, her mother, and her sister stating that an American Express representative was contacting them to collect a debt which I understand is against the law. They are not allowed to divulge why they are trying to get in touch with me. Not only is this defamation of character with are also contacting individuals I'm not even related to. I would like to stop immediately or I'm going to take legal action and I figured this was the best route initially.
I contacted Primary Residential Mortgage, XXXX on Monday XXXX XXXX to start the mortgage process. I spoke with XXXX XXXX. I filled out the application the next day. He called me back to tell me I need to pay on a credit card to hopefully raise my credit enough to get approved for a loan with no money down. The next day, Wednesday, XXXX XXXX, I contacted XXXX XXXX to get a copy of my credit report that he didnt go over with me. We only spoke about the XXXX card. He asked why I wanted it and asked, what are you doing? I told him I wanted my credit report to look over it and that its mine. I asked to speak to a XXXX. XXXX XXXX hung up on me. I called back and spoke with the XXXX, XXXX XXXX XXXX, and told him what happened. He was not very concerned but told me he would mail me a copy of my credit report. On Thursday, XXXX XXXX, I still had not received my report, so I called and got XXXX XXXX XXXX secretary. I told her I still had not received my credit report. She called me back to say XXXX XXXX XXXX advised her he had requested it on Monday, XXXX XXXX, and I should have it soon. That was almost a week after I had asked for it.
i never received anything stating that i owed this company money. My first time seeing this is when i pulled my credit report. Never got a notice in the mail nothing.
I have XXXX ( XXXX ) tax liens listed on my credit file ( XXXX ) with XXXX and Equifax that DO NOT MEET the Enhanced Phase XXXX ( PII ) Personally Identifiable Information standards for XXXX XXXX XXXX. These PII standards as outlined by XXXX and available publicly on the CRA 's websites, specifically XXXX XXXX own site states that XXXX XXXX MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both XXXX XXXX Equifax and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as " XXXX ''??? The " Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( XXXX ) with XXXX and Equifax.
this acct was a result of identity theft and still reports on my credit report i have obtainted reports and notarized statement of id theft ftc complaint
Hello All, Experian Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX
There are XXXX accounts remaining on my credit file that are past the age of 7 to 10 years for reporting. The bureau will not delete these accounts, nor will they furnish me information as to why they are not removing the accounts.
The company, Lien Enforcement , Inc - Wrote a letter, as I will attach, threatening for me to pay a fine of XXXX for a fine for a towing company for a car I DO NOT OWN ANY LONGER. We have already been to the XXXX and filed our release of liability, last XXXX 2015 -We have called to confirm, and XXXX also advises we are not the owner. The company threatens to report me to debt collection, and when calling to notify them that we are no longer the owner and that we can provide release of liability, they inform us " it will do us no good. '' They need to do their work, and notify the correct owner of car, as XXXX can confirm that information for them. They are a SCAM company, trying to bully other owners into paying money they do not owe.
I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted TransUnion and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with XXXX, TransUnion and XXXX because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. TransUnion, XXXX and XXXX will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.
My report says I have about XXXX differant XXXX XXXX accounts. Wrong. I payed off, all durfing XXXX. I have XXXX XXXX credit card XXXX. Then We have XXXX that I only use, it is XXXX XXXX XXXX. I had XXXX XXXX XXXX, that is paid off and only XXXX.That is XXXX XXXX-XXXX.It was closed XXXX/XXXX/2015. But my XXXX XXXX shows about XXXX XXXX ones. I do not have one.Maybe sonmeone else is using my name. Please help me.Thank you.