WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX my XXXX, Dr. XXXX, assigned me to monthly XXXX  sessions with a licenced certified XXXX, XXXX XXXX, at the University of XXXX  XXXX XXXX XXXX. I was insured by XXXX XXXX XXXX XXXX Insurance Company. 
In XX/XX/XXXX I became eligible for Medicare. I chose XXXX XXXX XXXX XXXX for my Medicare supplemental insurance. 
In XX/XX/XXXX, unbeknown to me, Medicare refused to cover my XXXX sessions because, I later found, Ms. XXXX did not have an XXXX. or XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX did not inform of this. In addition, XXXX XXXX XXXX XXXX supplemental insurance had refused to pay 20 % of my coverage because, they claimed, Medicare would not pay the 80 %. I was not informed of this either. 
Nor did XXXX XXXX XXXX XXXX XXXX inform me that, as of XX/XX/XXXX, the price of XXXX visits with Ms. XXXX increased from {$220.00} per visit to {$350.00}, a 65 % increase. 
When I finally understood what happened, I requested that XXXX XXXX XXXX XXXX XXXX assign to me a XXXX XXXX who was qualified under Medicare. By this time my bill was {$2700.00}. XXXX XXXX claimed that their organization did not have the capacity to inform Medicare patients about the necessary requirements under Medicare for service reimbursement. Nor did they notify me of the 65 % price increase, knowledge that would have helped me make an informed choice for an alternative, less costly service provider and avoid debt. 
I also pointed out to them inconsistencies in the attached billing record. For example, from XX/XX/XXXX to XX/XX/XXXX a XXXX  visit cost {$340.00}. In contrast, from XX/XX/XXXX to XX/XX/XXXX a XXXX visit cost {$220.00}. Then a reversal. On XX/XX/XXXX a XXXX visit cost {$340.00} and on XX/XX/XXXX it cost {$350.00}. The billing department could not explain this, nor did they assume any responsibility for it. 
Last, I am under qualified for partial financial assistance through the XXXX XXXX XXXX because I own my own home. I found that one nearly needs to be a pauper for financial assistance. They denied any responsibility for the untoward chain of events and flatly refused to negotiate an equitable resolution. 
On XX/XX/XXXX, my medical bill was referred to XXXX XXXX XXXX XXXX in XXXX, WI. I contacted and explained everything to them, but they too refused to fairly negotiate a resolution or allow any monthly payment plan. I was told that the entire amount was due in a lump sum. It was suggested that I should take out a second mortgage on my home to pay this debt. I was told that if I did not comply with their terms, the entire bill would go on my credit record and they would continue to seek reimbursement. 
My credit record has been above average for many years, and, at my age, it means everything to me. I hope to replace my thirty-year ARM to a fixed mortgage loan in the future but will not be able to do so under this burden. 
Can you please help me?
XXXX from The XXXX XXXX XXXX contacted me via a recorded phone call on XXXX about a debt I uncured with XXXX. The account number was : XXXX. We agreed to settle this account by paying {$350.00} through 3 consecutive automatic withdrawals. Please see the following : XXXX XXXX Withdrawal ACH XXXX XXXX XXXX XXXX TYPE : payment ID : XXXX DATA : XXXX XXXX XXXX/XXXX/XXXX CO : XXXX XXXX XXXX XXXX XXXX. On XXXX, I was contacted by a different collection agent from XXXX who asked me to pay about {$560.00}. I explained to this agent that I had an agreement with a previous agent from XXXX XXXX XXXX and that I thought the 3 payments were already withdrawn. I checked my account and found that only one payment was withdrawn ( See the above ). I checked my credit report and I was shocked to learn that XXXX has reported that a balance of {$580.00} was written off. I wrote a letter XXXX in which I explained that I, with good faith, have agreed to pay and that it was not my wrongdoing if the collection agent from XXXX XXXX XXXX did not do his job and that they should not report this account as a WRITTEN OFF. On XXXX XXXX, XXXX, I was contacted by a Law Firm called J.A.CAMBECE asking me to pay {$460.00}. I sent to this law firm all the information I have and I explained to them that XXXX XXXX XXXX is aware of my payment efforts and that it refuses to share the audio recorded agreement I had with XXXX back in XXXX XXXX. In addition, the numbers do not add up : {$580.00} was written off. I paid {$110.00} as shown above in my checking account.
Hello, through my reports, I 've come to learn that there is currently a name that is being reported to all XXXX credit agencies which is incorrect. The source is American Express. For background into this issue : My true legal name is XXXX characters long " XXXX '', however AMEX reports my name is " XXXX ''. I have contacted American Express to fix this issue, and their response in writing has always been " Unfortunately due to system constraints, we have updated your first name as this, because it can not exceed more then XXXX characters. '' This is problematic for me because " XXXX '' is a legitimate name and not an abbreviation for " XXXX ''. This is misleading and to me is quite comical that AMEX would be operating a " system '' that can not properly communicate someones name to agencies as important as our countries credit agencies. Also I should note that NO other credit card company ( and I have many ) have this problem! 

I believe that AMEX needs to be pushed to comply with operating a fair system that can handle more then XXXX characters, and be forced to not report the incorrect name to agencies. 

Thank you for your time, and I am looking forward to a response and resolution to this matter, which certainly affects many XXXX citizens.
I applied a loan modifications at Nation Star Mortgage XX/XX/XXXX and until now I have n't got the approval & gt ; & gt ; and kept saying that the loan was denied due to missing documents & gt ; & gt ; This is not true because I am very much concerned to keep the house for investment & gt ; & gt ; I am behind of almost 2 years for the payments and they are stressing me out to pay it so I can keep the house otherwise it will be foreclosure & gt ; & gt ; According to my tenants who live there right now they have been harassing them and gave the letter of foreclosure XX/XX/XXXX gt ; & gt ; take pictures of the house outside & gt ; & gt ; I am retired XXXX and receiving social security XXXX taking care of adopted son and want your help to stop the foreclosure I was able to pay the monthly that time & gt ; & gt ; I really want that house to keep for my investment in the future & gt ; & gt ; Thanks for your consideration and your kindness. 
The complete detail of the mortgage & gt ; & gt ; Nationstar MortgageAttn. Making Home Affordable Loan Modification processing XXXX. XXXX XXXX Texas XXXX XXXX Loan SpecialistTel. No - XXXX XXXX XXXX ext. XXXXFax no. - XXXX XXXX Loan no - XXXX owe {$89000.00} as of now and the house is worth {$130000.00} according to the market valueI really need your attention to help me to solve this problem because it 's affecting my medical problems & gt ; & gt ; I am on XXXX twice a week because XXXX I am having right now & gt ; & gt ; The doctor advised me to lower the stress to keep me healthy & gt ; & gt ; I just had XXXX XXXX XXXX XXXX XXXX & gt ; & gt ; I am divorcedHere is my tel.cell no.- XXXX XXXX XXXX XXXX XXXX - XXXXXXXXXXXX, XXXX XXXX XXXX
Upon a credit check review for a mortgage qualification I was made aware of a collection account for   XXXX   XXXX   XXXX   in the amount of {$1100.00}. I contacted   XXXX   XXXX   XXXX   to get more information and was transferred to Glass Mountain Capital Collection. The little information I was able to find out is the following : On XX/XX/XXXX  someone opened a  XXXX  account under one of my old names.   XXXX   transferred the account to   XXXX   XXXX   who sold it to   XXXX   XXXX   XXXX   which hired Glass Mountain Capital Collection. I told both Glass Mountain Capital &   XXXX   XXXX   XXXX   that I never purchased or did business with  XXXX  and that the name used to open the account in   XXXX   has n't been my legal name since  XXXX . I have asked both companies to provide me account documentation and to date nothing has been received. Also called  XXXX  and they showed no record of an account. I have filed an Identity Theft report with the FTC and a Police Report.
i have asked to have paperwork sent to me in the past two months from SPS so that they can update my file for reaching a agreement for my home. They sent a letter today that they deny me loss mitigation, how can this be done if they did not allow me to present paperwork about how my situation has changed. Can you please help?
I had a payday loan and read online they were illegal. I tried to pay the loan off and XXXX XXXXs with the money I owed minus what I paid, they refused to accept the payment. I called the state of New Jersey to find out what i could do and was told to not pay because they are illegal in New Jersey. I filled out a complaint with the agency. XXXX XXXX is an illegal lending institution and does n't have the right to put negative information on my credit report. I have called and asked XXXX XXXX to remove it and I have also disputed it to the credit reporting agencies and it is still there.
XX/XX/XXXX I started contributing $ XXXX check to my XXXX account XXXX about $ XXXX. I never opted for electronic statements only, and never was told about a {$2.00} paper statement fee XXXX nor was I charged for XXXX until XX/XX/XXXX ). XX/XX/XXXX, I moved from my old residence XXXX, XXXX XXXX, MT XXXX to XXXX Spruce Court, XXXX XXXX, MT XXXX and did not update my mailing address with XXXX XXXX Bank. They began charging me a {$10.00} fee for having my XXXX returned to them, and continued to charge this fee until XX/XX/XXXX. I checked my account to see the balance on XX/XX/XXXX after making a purchase and learned of the fees. The following day, I called XXXX XXXX Bank to see if we could find some resolution, and the representative said they would only give back XXXX fees ( {$20.00} XXXX. I was not satisfied and called back. After much argument, they offered to give me {$80.00}, but I still was n't satisfied because this was n't a mistake where the account insufficient funds or was in a delinquent status. My mailing address was wrong and my statement was returned to the bank. They did not call or email me at any time, despite having my contact information. I only got XXXX emails from XXXX XXXX - XXXX to verify online enrollment and another to tell me about an update to their website. Total fees are {$180.00} dollars.
I contacted my lender for refinancing, I 'm current, but my interest rate is extremely high, they refused to assist me because I 'm current on my mortgage payments.
On XXXX, 2016 I received notification from XXXX that XXXX accounts were being deleted from my credit report : XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX These XXXX were deleted from XXXX but they have yet to be deleted from my XXXX and Experian credit reports. They need to be deleted from those XXXX Credit Reporting Agencies. I have contacted both of them and they both, very rudely have told me that they do n't have notification to delete and if/when they do it can take up to 90 days.
Im being harrassed about a debt i did not owe to the original creditor. Ive asked them to stop contacting me and to remove the derogatory mark from my credit report they have refused.
Credit Acceptance Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX account information : XXXX form : XXXX date : XX/XX/2015 I XXXX XXXX totally disagree with this charge, espcially with Credit Acceptance reporting {$3300.00}. I never receive a form from them, I been trying to fix my credit, I believe this is for Car loan that I never had, I had file a dispute a year ago to get this of my credit report. 

This Credit Acceptance are charging the wrong person, or someone had use my Social Security number for this, by all means I entitle CFPB to investigate in order to remove this account from my credit report
I had 5 missed calls from this number. My cousin called back to see who it was and rep mentioned a medical debt concerning my daughter before ever verifying if she had the right person on the line. After verifying the last four of my social the rep told me about the debt and asked if I could settle for 50 % off. I asked when she got the debt and she told me XX/XX/XXXX. I moved to TN and didnt know that this debt was ever in collections and I felt pressured to pay a settlement because she told me she wasnt sure how long the settlement offer would last. I told her I had to call back because I was embarrassed I had to deal with this while my cousin who I just moved in with was with me.
Credence Resource Management showed up on my credit report and I have no Ideal who the creditor is. I currently do not owe anyone other than my less than 2-year history with my current creditor which I am not behind. I believe this is a fictional collector which is affecting my credit score more than XXXX Points. I have been the victim of identity theft 4 years ago and I believe this is a part of it.
My complaint is in regards to the recent Equifax security breach and the way they are handling it by pushing those affected to sign up for their paid service TrustedID Premier. Their official response has been extremely disgraceful and crooked. 

I refer to two articles that highlight some of the corruption behind their response : XXXX XXXX article - " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Link : XXXX : XXXX Article 2 : XXXX - `` XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Link : XXXX : XXXX
the loan company repossessed the vehicle told me the payment that was being made that it was supposed to bring my account current. I am now being told that it did not that it was still 37 days past due for 2 full payments past due.

They refuse to actually call me they put notes in claiming they have called me and then they never do. Not 1 representative has the same story about the past due amount I have one representative claim what I paid was paying the repossession fee only the next claims there was an error made in the payment that they didn't process it right.

On my account it shows that after they took the payment from me that I authorized they attempted to put a payment through that I didn't authorize them to attempt on my account.

At this time their claiming that I am 37 days past due and that the loan modification expired that they were supposed to have approved moving 2 payments to the end of my loan. Their claiming that the 37 days past due is a total of 2 payments which is impossible if it was 2 payments worth it would be 60 + days past due not 37 days past due.

I have read numerous complaints from other people who have had similar experiences with them. When they had the car repossessed they couldn't provide me with paperwork when they filled out the initial loan paperwork they screwed it up putting myself as the co-signer and my co-signer as the main signer on the loan when asked to fix it they said they can't do it because they would have to refinance it and they don't refinance loans.
There are several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
My servicer left a blank envelope at my door with only the words confidential and an XXXX number to call. I called the XXXX # the same day I received this ambiguous notice. The rep advised me I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my mortgage. I offered to make one full payment now for the following business day, with the entire balance of the arrears to be paid at the end of XX/XX/XXXX. The representative, and the supervisor that followed my conversation, both refused to take the payment because a demand letter had expired the day before. Instead, they are requiring the full arrears be paid now by secured funds ( XXXX XXXX or equivalent ). I specifically asked that if I had received the number and called yesterday would my payment have been accepted and I was told yes by both the agent and the supervisor. 
I advised the Supervisor that I was out of state tending to a family matter and the default notice they claim was sent was not received. Further, I called them immediately upon receipt of the door notice. Despite this, the supervisor and agent refused to take my payment and arrangement ( which I was willing to confirm both as payments by phone to secure the arrangement ). 
I am additionally concerned that my previous CFPB complaint regarding their practice of charging fees for payments and suppressing internet payment functionality may have adversely impacted their decision making process in this case.
Everything was fine up till closing, our lender BECU reported everything was " on schedule '' or even " ahead of schedule '', but missed the final disclosure deadline of 3 days before closing. At XXXX the day before closing, BECU contacted us requested a 15 day slide as they could not meet the agreed to date. After rescheduling utilities where possible, canceling family travel plans, and spending the intended closing day calling around BECU, final disclosure was agreed to be completed 8 days delinquent instead of XXXX and our appraisal fee would be reimbursed. 

The new final disclosure date was met, however the final disclosure documentation featured a significant increase in closing costs ( 33 % increase ) and cash at closing ( 39 % ) due to an error on BECU 's part ( for initial estimates they used 2 months for school taxes escrow, on final disclosure they used XXXX months, a {$5000.00} difference ). Since we are only 3 days from our new closing date, there is implicit pressure to accept these XXXX and so far all phone calls to management/emails to our officer have not been returned or acknowledged our concern.
TO WHOM IT MAY CONCERN, I AM CONTACTING YOU REGARDING A COMPLAINT I WANT TO MAKE REGARDING MY STUDENT LOAN PROVIDER. I AM AT A LOST FOR WORDS RIGHT NOW SINCE I WONT BE ABLE TO EVEN PAY MY RENT FOR MY CHILD AND ME TO LIVE WHERE WE LIVE NO LONGER SINCE I JUST MADE A {$210.00} PAYMENT TO SHOW NELNET MY INTENT TO PAY WHICH WAS MONEY NEEDED TO PAY FOR MY RENT ON FRIDAY. I HAVE BEEN DEALT A HAND THAT I CAN NOT CONTROL MOST RECENTLY WITH THE LOST OF MY MOTHER WHICH BILLS STILL HAVE TO BE PAID THAT I AM PAYING STILL. I HAVE ATTEMPTED TO WORK WITH NELNET. I SENT RECENTLY OVER THE LAST FEW WEEKS DOCUMENTATION THAT MY JOB WAS SENDING ME TO THE XXXX CLASS AT XXXX XXXX UNIVERSITY XXXX. MY JOB SENT US AN OFFICIAL LETTER WHICH I SENT TO NELNET SINCE I NEED THE DEFERMENT WHICH WILL ALLOW ME TO GET BACK ON MY FEET. THEY HAVE NOT PROCESSED MY REQUEST AND HAVE NOT AT ANY TIME REACHED OUT TO ME VIA MAIL SINCE I HAVE NO OTHER FORMS OF COMMUNICATION. THEY HARASSED ME SO BAD SEVERAL YEARS AGO AT MY JOB THAT I ALMOST GOT FIRED. FOR THE LAST 2 MONTHS I HAVE MADE 2 PAYMENTS IN THE AMOUNT OF {$210.00} WHICH HAS PLACED ME IN A SITUATION TO NOT BE ABLE TO PAY MY RENT SINCE NELNET HAS NOT COMMUNICATED WITH ME AT ALL VIA MAIL AS REQUESTED OF THE LAST FEW YEARS. I AM TRYING TO GET THEM TO APPROVE MY DEFERMENT SO I CAN HAVE SOME HOPE OF MOVING FORWARD BUT THIS HAS NOT OCCURRED. AT THIS POINT, MY FAMILY FRIEND HAS DECIDED TO REPRESENT ME IF NEEDED WITH A COURT CASE SINCE NELNET HAS IGNORED ME EVEN AFTER I SENT OVER XXXX EMAILS TO THEM OVER THE LAST FEW DAYS. I GOT XXXX EMAIL FROM STAFF INDICATING THEY HAD TALKED TO ME WHEN I HAVE NO CELL PHONE FOR THEM TO CALL ME. I USE A FRIEND 'S CELL WHEN NEEDED 1 TIME PER WEEK. I HAVE ALSO ADVISED NELNET THAT MY PAYMENT LIMITATION IS {$150.00} NO MORE THAN {$160.00} ONCE MY DEFERMENT FOR THE 2 YEARS I WILL BE TAKING CLASSES FOR THE XXXX COURSE AT XXXX. I HAVE ASKED FOR NELNET TO HELP ME, HELP ME HOWEVER NO RESPONSE BUT XXXX EMAIL. THIS IS MY FINAL PLEA VIA A COMPLAINT TO THE CFPB AND XXXX REGARDING MY DETAILED HISTORY OF ISSUES WITH NEEDING HELP FROM NELNET. I NEED AND YOU WOULD THINK NELNET WOULD GIVE ME DETAILS SINCE I WORK FOR THE STATE OF FLORIDA OVER 17 YEARS INFORMATION REGARDING THE FORGIVENESS PROGRAM FOR STATE EMPLOYEES. IAM VERY UPSET ABOUT THIS ISSUE.
I have Disputed this account by certified letter notarized, with Experian. They had 30 days to reply and failed to resolve the account. XXXX XXXX XXXX XXXX. Please note this account is closed, paid and older then 10 years old. Also note that XXXX payment history for the same account proves I have good payment history and also exceeded the 7 year FCRA law. I have included images for expert an app and privacy guard web site.
I noticed 2 new accounts on my credit report that I didn't recognize for a company called Debt Recovery Solutions LLC. I contacted the company and asked them to please explain how these accounts were opened in my name and to please send me the necessary documents so that I may verify the debt. The man I spoke with said the account had my name, address, and SSN, but the birth date was not mine. I know for a fact that I did not open any accounts recently and that these accounts are not mine. Yhe man said he would send me the documents right away and they never came. I disputed the accounts with XXXX and there is an active investigation. I checked my report again yesterday and found the accounts still under investigation. I also found 7 additional accounts were opened on XX/XX/2018 with the same company : Debt Recovery Solutions LLC. A total of 9 fraudulent accounts were opened without my knowledge or consent and the company knows this was not me but they are doing nothing to stop the activity.
This company repeatedly uses an autodialer to contact me on my cell phone. I only know the company name because I XXXX the number. They call and if I answer all I hear is hold music or if they leave a voicemail it is hold music for a good minute until someone picks up and starts talking. I am a XXXX veteran and have been diagnosed with XXXX and because of this companies tactics to autodial I miss out on getting important calls from my medical team. I have never received written notification as to what this is comcernimg which they are required to do.