WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted this company on 3 different occasions regarding an account they furnish in the amount of {$940.00}. This company is being grossly negligence. Despite my very specific request for them to properly validate this account they totally ignore and continually send the XXXX that they want to! I asked this company to provide me with a consent to treat or authorization form to coincide with the dates of service in question. I also requested a detailed summarized bill, and an insurance denial letter. I have always had insurance and I am not sure why this service if this bill belongs to me was not covered. This company provided me with a bootleg statement on their letterhead which is not sufficient. This company has a legal obligation to provide the requested documentation. I am tired of sending letters wasting money for the to send me the same XXXX over and over. If this matter is not resolved I will sue for damages as this account is hindering getting me the credit I deserve as I have no other accounts reporting negatively but this one. Im sure this company is used to manipulating consumers but I assure one thing you will NOT do such a thing to me. Provide the proper documentation or delete this account or be SUED!
I have had many issues with XXXX/Navient. When I was unable to pay due to financial difficulties, they refused to work with me nor help me to put me in a repayment plan that was reasonable. They have misallocated my student loans many time which has caused me to default on one of my student loans and the loan went to collections. I have since then paid off the loan which went to collections but it affected my credit score. XXXX/Navient has harassed me many times when I was unable to pay the full amount of {$1000.00}. They have told me to ask my boyfriend for money to help pay and that my rent is too high and I should move to a lesser expensive apartment. That is just 2 of the examples. The representatives at both companies have misinformed me many times and contradicted themselves with the information I was given. Because my credit score was affected, I am not able to consolidate my loans with another lender. 

I attended XXXX, California which is now closed.
In  XXXX   XXXX , we filed a complaint with th e Consumer Protection Agency  against   XXXX   XXXX  . The  CPA  took the case and got involve d ( CFPB Case No .  XXXX  ). On  XXXX   XXXX ,  XXXX , we received a letter from  XXXX , who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting fo r over two ye  ars that our payment was late and were charging us late fees. We thank the CPA  for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on  XXXX   XXXX ,  XXXX  and the loan with  XXXX  was subsequently paid off. I have copies of all documents relating to this loan payoff. In  XXXX  's  XXXX   XXXX ,  XXXX  letter they state that they are going to contact Equifax and  XXXX  to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX  's credit report still shows an open loan to  XXXX  in the amount of $  XXXX . We recently applied for a loan wi th    XXXX   XXXX   XXXX   XXXX   and were rejected because of the  XXXX  mark on the credit report. I have tried to reach out to  XXXX  to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX  's credit and hindering us from getting a loan. Thank you.
On XX/XX/2018 I mailed reinsertion letters to XXXX, Equifax & XXXX because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to XXXX, Equifax & XXXX
Got again my credit score today and see that Capital One is still in with a hard inquiry. I never request a credit card from XXXX XXXX and it is still on my credit report. Already contact the company by letter never got an answer. Somebody used my identification and email. Was part of the abuse of identification by XXXX.

I would like that Capital One correct the mistake immediately.
ON XXXX XXXX, 2016 I SENT US BANK ASSOCIATION A QUALIFIED WRITTEN REQUEST IN REGARDS TO COURT DOCUMENTS DROP OFF AT MY FRONT DOOR BY THE LAW OFFICE OF XXXX, XXXX XXXX XXXX, XXXX. ABOUT FORECLOSING ON MY HOME. I HAVE NOT BEEN SEVERED PROPERLY, AND US BANK ASSOCIATION HAVE NOT RESPONDED TO MY QWR IN A TIMELY MATTER.
I have received XXXX voicemails from " Americollect, '' phone # XXXX, claiming they are trying to collect a debt from me, but giving no info. I responded using this email address, but gave no personal info, and asked what debt and for whom? I received an email response which gave no answers but appears to be a fishing expedition. 

I do n't know of any outstanding debt.
Account was opened by my spouse in my name without my knowledge or consent. 
Opened XXXX XXXX, XXXX, currently the status of the account is open, responsibility individual, with a balance of {$1000.00}. 
Original account XXXX Diversified Consultants, INC is the current debt collection agency. On XXXX XXXX, XXXX I filed to dispute debt with XXXX through the XXXX XXXX website.
Hello, I promise this derogatory mark is n't mine it was the result of my identity being used by some unknown person. I 've never bought or received anything from this company. I never lived at the addresses associated with it. XXXX XXXX XXXX, XXXX XXXX, 2017,  {$6700.00} Thank you. Best, XXXX
Back in XX/XX/XXXX, I was contacted by a Law Firm Collection Agency ( XXXX XXXX XXXX ) regarding a XXXX Account, with an assumed balance of {$1200.00} (??? ) and I stated to the Agency above, that " I do not owe, this amount of money to XXXX and willing to settle the debt for 70 % of the original amount owed.I know the original amount because I was trying to file Bankruptcy in XX/XX/XXXX, so I had the original balance in the paperwork and I explained this to the Representative.

On XX/XX/XXXX, I received the attached letter for XXXX XXXX XXXX ( Attorney at Law ), with the attached credit application, just stating " this is an attempt to collect ''. I have been trying to work with this credit for a settlement of the original debt, but was told I need to agree to the {$1200.00} before they can agree to an settlement. I stated that this doesn't sound legal and asked that they return the debt to XXXX and was told they can not do this. The attached letter is what I received and that is all, no other communication.
There are 4 accounts on my Transunion credit reports that do not belong to me. I have disputed these accounts, Was sent notices that the accounts have been verified. They CAN NOT verify accounts as mine that do not belong to me. And they are still listed on my credit reports even though they do not belong to me. 1. XXXX Account # XXXX, 2. XXXX XXXX Account # XXXX, Both accounts 1 and 2 have same acct # s different amounts listed and different company names. 3.XXXX XXXX Acct # XXXX, 4.XXXX XXXX  XXXX Acct # XXXX These accounts do not belong to me so I want them removed from my credit reports IMMEDIATELY.
I used my XXXX Chase credit card to make a purchase through XXXX in order to fly with my parents ( my father was very ill ) from XXXX. I later was charged a total of {$630.00} ( {$210.00} per ticket ) in fees. I would've used any other card for this, but because this is a XXXX card and I booked through XXXX I understood that there would not be any other fees. The fact that I was charged {$630.00} because I was told I should use my XXXX card for XXXX or Mileage Plus purchases is misleading and defrauding me with these fees.
XXXX XXXX, XXXX when shopping at a local XXXX store, my personal check was denied by the check verification service they use, Certegy Check Services. XXXX can not answer why the check was denied but prints out a little tiny piece of paper telling you to contact Certegy Check Services at XXXX for assistance. 
This number is an automated service wanting your bank routing number, bank account number, social security and drivers license numbers. You can not reach a representative using this number. Going to Certegy 's website, I found XXXX listed for customer service. The person I talked to wanted all the same info and proceeded to tell me nothing. They give you a total runaround and can not tell you why your check was denied. You get " could be '' risk factors but they do n't have access to what risk factors are, your check did not meet the standards in their risk modeling software, but again they have absolutely no answers or reasons for denial, they just keep repeating the same canned answer over and over. They can not tell you if you will be at risk for future check purchases or which businesses use their verification service. Certegy can not verify funds due to federal laws protecting consumers bank accounts, so why are they even allowed to be in business? What service are they really providing business?
Our home was completely destroyed by a XXXX. We had a reverse mortgage with Champion Mortgage. The lender cashed our insurance settlement check of {$210000.00} and we were given a loan payoff in XX/XX/XXXX of {$110000.00}. In XX/XX/XXXX, we did not receive our balance from the insurance check. Instead the lender gave us another payoff balance that was an additional $ XXXX by adding mortgage interest and mortgage insurance ( for a home they cashed a $ XXXX check ). We have been homeless since XX/XX/XXXX and can not buy another home because this lender is : 1 ) continuing to charge us interest and insurance each month even though the lender cashed a check to payoff the mortgage 2 ) lender will not process our loan payoff 3 ) lender has stolen our balance due from insurance.
My husband asked me to sign some loan documents to help him refinance his home loan. He stated that I had to be on the title for the refinance. When the papers were brought to me, they had the wrong name on them. I never took my husbands name and my driver 's license specified my maiden name. I was told by him and the notary to sign the documents anyway even though I protested. 

The documents are incorrect as I am not nor will not be known by the name on the mortgage refinance documents. 

Do I have to be or remain a part of this fraud?
They are calling my employer and my work extension repeatedly every day rather than calling my mobile number. They are telling the receptionist personal information. I am trying to work with them, but this is harassment at this point.
I had a medical bill from XXXX XXXX / XXXX XXXX XXXX for XXXX. Enough I was making monthly payment, XXXX XXXX / XXXX XXXX still sent my account to a collection agency. My account was referred to XXXX. I continued to make monthly payments and paid off the account in XXXX, 2016. All payments were made to XXXX. I actually over paid by {$14.00} at which time I called XXXX regarding my credit on XXXX XXXX, 2016. I was informed by XXXX that I did have a credit and I would receive a refund in the amount of {$14.00}. My refund was processing and I should receive my refund by XXXX XXXX, 2016. I did not received my refund. I called XXXX to inquire about the refund and I was informed that my account was transferred to Credence Resource Management and given the phone number. I could not get an answer from XXXX as to why my account was transferred or on my refund. I called Credence regarding my refund. I was informed that Credence had to research further and to call back. I waited a week to call. When I called back, I was informed that no research was done regarding the refund and more time was needed. Again, I waited about a week. When I called back, I spoke to manager " XXXX '' and although there was credit on my account, Credence needed to research and contact the " customer ''. As of today, still nothing has been done. XXXX and Credence both verified that I am do a refund. I am being refused my money back. 
XXXX XXXX XXXX / XXXX XXXX ; accnt # XXXX / Credence XXXX
On XX/XX/2012, I was seen by the XXXX XXXX XXXX XXXX. At that time I had XXXX XXXX XXXX, which was billed for the visit. I thought this debt had been paid but found out on the credit report that it is now past due. <P/>My Explanations of benefits from XXXX states that I owe XXXX XXXX XXXX XXXX XXXX after benefits are applied to the bill. They instead state that I owe them XXXX, which is the full amount of the bill. I disputed the amount of the debt with the debt collection agency, sent them a copy of the EOB from XXXX, and received a sheet of paper just simply stating that I owe XXXX. Even though on their online billing website it shows the credit for XXXX from XXXX. Further, the bill online states that nothing at this time is due. See attachements below.
I am very upset with this company. They have violated my rights several times to the fullest extent and I have had it! My card was compromised and used, therefore my funds were taken out. I called and filed a claim, that of course, got denied. I called this company SEVERAL TIMES as to why my claim was denied and they flat out refuse to tell me or send me the documentation that I requested for as proof as to why I lost the dispute, WHICH IS ILLEGAL. Furthermore, their employees are rude,  XXXX , and DO NOT  SPEAK   XXXX   WELL,  which makes it harder to communicate and causes them to mix up my information.  XXXX  of the reps hung up on me, another  XXXX  kept talking over me, and even most of their reps ( who seem to be the same all the time ) are unprofessional and even calls me  XXXX , when I am a  XXXX . Also, keep in mind that I have the hardest time communicating with this company. I had a previous claim that got denied, but then honored in my favor because I was in the right. However, it took me  THREE MON THS of calling, letters, writing, re-disputing, arguing, etc. just to get it resolved in my favor that should 've been in my favor the whole time. Even when I requested for a callback from the disputes department, they call around  XXXX  when I told them several times to call past  XXXX  PST, but they still DO NOT LISTEN AFTER  XXXX  CALLBACKS! The reps name was  XXXX  who denied my last claims which I believe might still be her who is denying it. This company thinks they are always right and flat out do what the  XXXX  they want. It is time this company stops violating peoples right and listen up! Because at this point, I am being or feel discriminated since the customer service rep told me that my account got closed b y the " Risk Dept '' due  to suspicious activity on my account ( which I reported before ). So therefore, it make me believe that it boils down to concerns with terrorism/money laundering, that I DO NOT DO. The reason why I feel this way is because they know my ethnicity and the rep on the phone basically admitted it and believes that there is no reason why my claim should be denied and my account be closed. I woke up today to text messages saying my card has been blocked and that t here may be an issue  with my account. Myself was not able to login and when I tried to, it said that my account is locked and to call cust srvc, which was the same exact message when my card was being used without my permission. If their company can not speak  XXXX  well, then there is going to be a mix up of info, which is also how my claims get denied too. I HAVE A RIGHT TO FILE A CLAIM! I still, to this day, have not even got a chance to respond to the merchants response to the dispute for a rebuttal because I have n't even received the documents that were used in the investigation which again is violating my rights. I WANT PROOF THAT IT IS ME THAT DID THE TRANSACTION! THIS IS ILLEGAL, NOT FAIR, AND VIOLATING MY RIGHTS!
Debt Recovery Solutions keeps reporting and trying to collect on an old account I had with XXXX over a decade ago. I was told that XXXX sold the account to Debt Recovery Solutions. I paid this account completely off. I do not know why they keep reporting this erroneous information.
Nations Recovery Center keeps calling my elderly parents and scaring them with debt that I might owe. they are not providing information but calling and hanging up
Due to hurtican IRMA ( in fed declared disaster zone ) I spent more than expected vacating & repairs. I am a XXXX female. FHA assisted with a modification which was ratified on XX/XX/2018 with trial payments thru XX/XX/XXXX. Each payment was made in advance. During this time i was sent SOMEONE ELSES LOAN DOCUMENTS. I informed LOANCARE and was sent my papers. These wete returned notarized but apparently ate getting shuffled around between XXXX XXXX ( processor ) and whoever is thhe new pt of contact ( old is XXXX XXXX loss mitigation ). Because this was disaster related the 1st 90 days was extended another 90 days - in forbearance NOT TO. BE REPORTED LATE TO CREDIT BUREAUS. There are continuous errors reported to credit bureau and promises to fix over & over again. These are unfair practices in collections. 
XXXX XXXX
XXXX XXXX XXXX XXXX falsely verified information that is reporting on their systems with my information. I have exercised my rights under the FCRA for 100 % variable and 100 % accurate, which they still have failed to provide. They state they made a phone call to verify my information with the XXXX County District Court which is prohibited under the FCRA as 100 % variable and 100 % accurate. I demanded for them to remove the information as I have filed a second dispute under my Federal rights in accordance of the FCRA to them which they should have received by now. XXXX County District court stated to me they do not send verification or gave any information to XXXXXXXX XXXX XXXX. I will exercise my rights for the damages including and up to litigation.
I wanted to get a credit line for my bank of America cash rewards card. So i called their helpline via the number on the back of my card. 

The customer service rep clearly stated that when I apply online for the credit line increase that it would only be a soft pull. 

I mentioned to him that i did not want to request it if it was going to be a hard pull on my credit. He assured me that it would be a soft pull only. 

I checked my hard inquire report and it shows a hard inquiry on XXXX XXXX, 2017 I would like to have this removed as the representative gave me false information.
XXXX XXXX And Experian all have police and identity theft reports and when an item disputed they refuse tobacco within 48hrs
Wells Fargo loan consultant did not advise me to keep making payments on my existing loan until the new loan went through. When I applied for the refi with WF on XXXX XXXX, I had just made a payment on the existing loan 2 days before. Today I got a nasty gram from WF in email saying my XXXX payment was overdue. Not only that, but the reason the refi is taking so long is that Wells Fargo does not know how to work with condos and the insurance policy, even though other banks do I think routinely. And with this whole insurance thing, I had to contact all kinds of parties outside of the bank and yell and scream until Wells Fargo made an effort to work on the loan. The mortgage consultant had sent me a rejection letter prior to that because he could not find folks in his bank to work the loan.
For 10 yrs I have been paying weekly mortgage pymts : the amount due plus extra principle ( see numbers below ). 

My pymt : $ XXXX/week x 52 weeks/yr = $ XXXX/yr / 12 months = {$970.00} per month. 

Amount due : $ XXXX/month I recd a call from Huntington Bank XXXX ( Spoke to XXXX XXXX ) stating that " as of XX/XX/2018 Huntington no longer accepts partial payments '' and that my account was over due $ XXXX {$25.00} late fee and that my weekly pymts were not being applied but being held in a " suspension '' account posting once per month. I believe this is unethical ( lazy ) behavior and that weekly pymts are protected by the consumer protection laws. By not applying the weekly payments the bank is : 1 ) Holding consumer money for their own benefit.

2 ) Causing financial harm to the mortgage holder because the principal is paid down slower and adding more days of paid interest ( i.e. more revenue to the bank ). 

The banks should be posting the weekly payments " as received '' to allow for responsible home owners to pay down their mortgage faster with less interest expense. 
The representative also said she would re-send the letter that was mailed in XX/XX/2018. I open all my mail and have no letter, email or message on Huntington website login. I'm fairly confident that no communication was ever sent.
XXXXXXXX XXXX  and Lowes have violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX DATE : XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : DXXXX XXXX XXXX {$770.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C.  1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$770.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
XX/XX/XXXX, Nissan-Infiniti LT contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, Nissan-Infiniti LT again contacted me via a letter. They stated the lease terms can not be altered for me. IFS must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted Nissan-Infiniti LT via a letter. This letter discussed the reasons for my hardship. I was arrested and taken to jail for resisting arrest. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.