WillisBack/dataset-financial-user-claim huggingface dataset:
The debt was the result of a Dr. who had performed an XXXX on me by billing the wrong Insurance Company. The service was performed through XXXX XXXX XXXX in XXXX Oregon - Patients check into an ADMIN office who gather all insurance info. This info is then distributed to individuals doctors. Once I was aware of the error ( which I had absolutely no control over ) I gave them the corrected insurance info, my insurance was billed and debt was paid in full. Revsolve Inc refused to remove from my credit report. Administrator for doctor ( who may have been covering her own error ) also refused to help. Bottom line is this bill was properly paid, should have never been a debt collection, debt collector was given all the information proving payment and still refused to remove from my credit report.
My house in Florida is pending foreclosure ... I am trying to sell it ... My attorney and I have written Nationstar Mortgage and in two months ... they have refused to provide the payoff amount ... they prefer to seize the house and sell it at auction
On XX/XX/2018, I submitted to the CFPB a complaint about Diversified Consultants, Inc. ( XXXX ).  They attempted to collect an invalid, not owed, debt from XXXX XXXX. 
In response to complaint ID No. : XXXX : Diversified responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. 

However, XX/XX/2018 resubmitted the same item that it stated it would conduct no further collection activity XXXX XXXX and XXXX, in direct contravention of its XX/XX/XXXX letter.
XXXX XXXX here, I was given a notice that that there was two fraud alerts, can '' t get any information on them, who to contact, phone number, etc.. 
My contact is : XXXX XXXX XXXX XXXX XXXX XXXX, mn. XXXX XXXX XXXX
Frauding scams using my documents of XXXX county Indiana of Michigan XXXX Indiana of XXXX XXXX Hospital of XX/XX/XXXX Frauding scams frauding my parents documents of XXXX XXXX XXXX XXXX XXXX XXXX ( who is decest ) Fraud scams frauding using XXXX Frauding death record of XXXX XXXX XXXX XXXX of XXXX county Indiana Frauding scams frauding using using XXXX XXXX XXXX XXXX documents of XXXX county Indiana Frauding scams frauding my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX Hospital of XXXX XXXX Indiana of XX/XX/XXXX Frauding scams using my immazation record of XXXX   XXXX of XXXX county Indiana which ran through 10 States schools Frauding scams frauding my documents of Grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana. She was a XXXX XXXX retiree Frauding scams frauding her 4th husband of XXXX XXXX of Michigan State he was a XXXX XXXX retiree Frauding scams frauding my great great grandparents death record 's of. XXXX XXXX married to XXXX XXXX of Sir name XXXX Frauding scams frauding her parents of my 3 time 's great grandma and grandfather who are decest. 

Frauding scams using XXXX XXXX who was married to XXXX XXXX serial numbers death record 's. 

Frauding scams using using XXXX frauding XXXX Anothney Hospital  of of XXXX XXXX Indiana who was the head of XXXX XXXX Hospital as an XXXX XXXX.. 

Fraud scams using XXXX Frauding scams using business permits Frauding scams using my XXXX  school documents of XXXX XXXX XXXX school of  XXXX county Indiana Fraud scams using my grade school documents of XXXX XXXX  School of XXXX XXXX Indiana as others States land development Frauding scams using XXXX Indiana and Texas XXXX Frauding scams using XXXX XXXX XXXX School as XXXX XXXX   Frauding scams using my documents of XXXX XXXX XXXX as XXXX towns Frauding scams using XXXX XXXX  and XXXX XXXX   Frauding scams using scams using auto stores and medical fraud scams using construction crews Frauding scams frauding 50 states wide Frauding scams using fashion related Frauding scams subdivision sinage Frauding scams frauding my documents and shopping malls Frauding scams using XXXX XXXX Frauding scams frauding my documents as lawyers and judges and attorneys and law partners Frauding scams frauding my documents as adult entertainment scams Frauding scams using my documents as semi truck and send trucks companies 50 states groceries stores retailers store 's products and diner resterant franchises tore in to many documents Federal not interested in 65 percent of USA federal date block over land development areas talking in my documents. 

Frauding scams using many XXXX frauding XXXX XXXX and using business Others also frauded using XXXX XXXX school using XXXX  Frauding scams using using streets and hwys sinage  Frauding scams using dictionary companies and XXXX XXXX Frauding scams frauding XXXX Indiana Frauding scams using XXXX Frauding scams using dump trucks
I called the XXXX number because they were several {$36.00} fees on my account. I have n't called to have any of the fees waived on my account in years. I am disable and I asked the young lady XXXX employee # XXXX could she waive any of the fees. XXXX advised me that US Bank do n't waive any fees. When I asked her for a number to someone that I could speak to that 's over her. She gave me a p.o.box nnumber. I have been a customer at US Bank for over XXXX years and have even recommended family members to open up an account. I felt that the young lady was very rude and was n't even trying to work with me. To loose a customer that 's been a customer for years over {$72.00} fee is insane. Before I became XXXX I worked with many customers in order to make them happy. An employee like XXXX employee # XXXX could give US Bank a bad name with consumers.
I paid my car payment 10 days past the due date in the month of XXXX 2016. The creditor ( innovate XXXX ) reported a 30 day past due on my credit report. 
I have communicated, but they have not taken any action, to resolve. 
Please help.
A fraudulent collections report is on my credit report from Diversified Consultants for XXXX. I called XXXX and they confirmed I have never had an account with them.
Received un unsigned letter from Ford Credit informing me that they had unilaterally increased the amount of my loan by {$1500.00} due to a maintenance contract. The maintenance contract had been paid by a Visa card. I have the receipt. 
A company should not be permited to 1 ) increase the amount of the contract ( loan ) without prior approval. 2 ) should not be permitted to send out a letter such as this without a name, phone number and/or e-mail address to respond to. 
My understanding of the Dodd Frank legislation is to prevent things like this from happening.
I havent been able to access my credit report, and once I called XXXX to discuss the problem no one wouldnt help me. It says that my info is wrong and I know for a fact that someone has been putting stuff on my credit which is the reason i cant access to dispute it.
Trans Union has reinserted information regarding my car loan with XXXX. XX/XX/2016 it was reported as deleted but XX/XX/XXXX/XX/XX/XXXX XXXX XXXX reported that Trans Union had reinserted the negative information. In addition, it also appears that the information that Trans Union is reporting is inaccurate suggesting that I am 3 months behind on my car note. Consequently, it is impossible to be more than 30 days behind with XXXX XXXX because at that point that tag your name and put it on some collection list.
In 2013 I was having some trouble making all the required payments on my consumer loans. I contacted American Express to discuss arranging a payment plan. I realized that I had accumulated a large number of points on my XXXX Amex card, that I also hoped could be used as a credit towards paymrnts. I was initially told this would be ok, THEN I was told it would only be OK if I made a large payment immediately on the card. I felt bullied into the transaction, and complied because I wanted to keep my points balance and keep the card open. After the payment, Anerican Express refused to honor the points balance and closed the card.
fourclosed on by PennyMac XXXX XXXX XXXX affordable mortgage mod. trail end XXXX XXXX approved for mortgage modifacation signed doc XXXX have made all payments PennyMac says modifaction, has not been excepted you are in fourcloser XXXX We have made our payments as per modifacation Asked where are the payment going? 
We are told to pay for fourcloser. 
We told them, the fourcloser was dismissed. 
PennyMac says no it was not. XXXX We have never recieved accuarate numbers from PennyMac We have been over charged, by inspection fee The inspector tells my nieghbors we are in fourcloser Mortgage sold again XXXX
I got a reply and my phone is not working. I tried to call but it is shutting down. You are asking for more info but the person I talked to said he needed the reporting agency I reported it to. That do n't make any sense to me as you have it on your own paper work. What is it you need or require to move forward with this complaint? I am telling you I am requesting each item you say I bought with this credit card? that you have itemized without the full date and my signature on each receipt that I actually bought the item. I do n't want any phone contact. I want proof that you ask me questions and I respond. This has been going on long enough now and needs to end. I also want to be assured the eliminated debt that was to be removed from reporting will not be resold and start this over again.
Wells Fargo Home Mortgage continues to collect taxes in an escrow account year after year despite the fact that I do not have to pay taxes under the Texas XXXX XXXX veteran law/act. They apply the escrow money each year to the principal on the loan. Numerous telephone conversations over the years has proved fruitless. The purpose of the tax exemption is to provide more money on a monthly basis to XXXX veterans. If Wells Fargo is doing this to all these types of Texas mortgages the amount of money they are accruing could be substantial!
I have had several instances where I have needed financial assistance based on the high interest rate and monthly cost of my graduate loans ( in spite of being on an income-driven repayment plan. ) According to Navient 's payment history - since XXXX of XXXX I have paid approximately {$720.00} dollars towards the principal of the loan ( currently over {$42000.00} - but was only {$39000.00} at the end of grad school. ) In that same time period I have paid almost {$8000.00} in interest. The last three months ( for example XXXX, XXXX, and XXXX XXXX ) payments of more than $ XXXXmonth have been paid - but not a single penny has gone towards the principal. How is this NOT like debtor 's prison? The last phone call I put in to customer service, they literally told me to " just pay the interest for ten years and then request forgiveness of the loan. '' But that would amount to tens of thousands of dollars in pure profit to Navient with absolutely no benefit towards paying off the debt. I 'm interested whether they are being sued privately. I know they 're being sued by the CFPB, and a couple states - and I intend to be involved there. But I 'm wondering if there any private citizens involved in class actions - if so - how do I get involved there?
I disputed this debt on XXXX/XXXX/15 and received a response from the company apologizing for the inconvenience and that the debt would be removed from all om credit reports. I may be facing disciplinary action or termination because this debt still remains on my credit reports. Therefore, the company failed to honor their resolution, as stated in the response to my complaint. I am again asking for this debt to be removed from all om credit files, as it is not my debt. My final complaint response that was filed with your office and was not disputed, by me, was assigned number XXXX. Thank you.
Account is not mine. Credit alert set up and police reports sent in regards to existing fraudulent accounts. 

This frauduent account new on my credit report : Date account created was XX/XX/XXXX right after my ID theft report. 

Never opened this account, never been late on a non existing account. 

Account number on credit report : XXXX Called with no resolution. 

Please resolve, thank you both XXXX and XXXX, XXXX XXXX XXXX
My dedicated loan specialist at Nationstar refused to provide me with an email address to discuss my account and help to resolve several issues. I have tried contacting my assigned representative over 15 times by telephone and we have not spoken.
Had a dispute with Sears credit about a delinquent account when I closed the account and had pay off balance months prior. They claimed it was open when, in fact, it was closed. Its the only thing that could affect my score. Since the. My score dropped over 100 points.
TODAYS DATE:XX/XX/XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX ( XXXX ), and XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
The company has been billing me for add-on ( debt protection ) feature I did not authorize. In XXXX of 2018, I asked the company to provide proof to validate charge or refund money. As of the writing of this complaint this has not been resolved.
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX # XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX /XXXX XXXX / XXXX XXXX
I have two collection accounts on my credit file that are fraudulent. XXXX is allowing this miscarriage of justice. Dr. XXXX once said, injustice anywhere is a threat to justice everywhere. Equifax is only concerned with promoting their BRAND. XXXX XXXX XXXX/Capital One, and XXXX XXXX XXXX. has ruined my life. 
I can not get a V. A. Loan because XXXX is permitting these horrendous, horrifying, and horrific deeds. This is 100 % identity theft and XXXX ; XXXX XXXX XXXX. XXXX XXXX/Capital One does not care. C.F.P.B. must protect me from these bandits. It is all about their BOTTOM LINE. 
Each time these items are removed XXXX, XXXX/Capital One puts it back on my credit report, and XXXX is sanctioning it. They are trying to collect a debt that is not owed, fraudulent, and it should not be reported to my credit file. I have a police report! As a Veteran who fought for this country, and a XXXX XXXX XXXX XXXX they are treating me like the scum of the Earth. 
Please help protect me against these atrocious, and unspeakable parasites of a company. Please help!
We were operating under a license from XXXX XXXX XXXX and terminated our relationship with them as of XX/XX/2018. We then terminated our business with one vendors, XXXX, who continued to bill us after termination of service. 

Now, we have collection agency demanding payment for services/products that were not provided to us. 

We have asked this company to stop contacting us, yet they continue to do so. 

CFMGROUP, LLC XXXX XXXX XXXX XXXX, GA XXXX We do not owe any debt to the original vendor nor to this agency.
I have an outstanding medical bill I was completely unaware of. I relocated cities and never received this bill or else I would have paid it immediately. I ran my credit on XXXX XXXX yesterday and was shocked to see I had an outstanding debt. Please let me know how I can resolve this issue ASAP!
DIVERSIFIED CONSULTANT ACC # XXXX FAX # XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account DIVERSIFIED CONSULTANT ACC # XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
I reached out to XXXX XXXX XXXX certified mail requesting them to send me proof that the debt belongs to me. They received my letter XX/XX/18. I have not received a response from them and the debt is still listed on my XXXX  and XXXX credit report.
I have been unfairly directed into forbearance and deferment for years while I could have qualified for income driven repayment. Navient knowingly and intentionally steered me toward forbearance and deferment instead of making me aware of more suited methods of repayment. I have over 7 years of foreberance and deferments during which time I would have qualified for IDR and during which I have been negatively effected by negative credit reporting and delinquencies. My loans were predatorily directed in the most profitable manner while neglecting my best interests. Please inform me of the best course of action.
In mid  XXXX  I cancelled my  XXXX   XXXX   XXXX  home phone service.My bill was automatically deducted from my  XXXX  checking account. When cancelling I agreed to a service with  XXXX   XXXX   XXXX  to hold my present phone number for a year for  XXXX  dollars a month. When I cancelled I checked and my home phone could not receive or make outgoing calls from the date I cancelled. In  XXXX  I received a phone bill for service from  XXXX  to  XXXX   XXXX   XXXX  for {$71.00}. My phone was shut off in  XXXX  and did not make or receive any phone calls.On my phone bill dated  XXXX   XXXX  to  XXXX   XXXX    XXXX   it list a payment received for $  XXXX  the same bill it list a credit owed to me for $  XXXX  .I la ter received a check for that amount I called  XXXX   XXXX   XXXX  and asked  how I c ould owe money and be owed money at the same time. They said they would take care of it  XXXX   XXXX   XXXX  to  XXXX   XXXX    XXXX   my statement listed a charge of $  XXXX  ..It listed  a credit of {$46.00}, an adjustment of {$140.00} and a balance of {$100.00}. It list a refund of {$46.00} paid to me by check.It listed a return check of {$71.00} and a returned check charge of {$30.00}. I did not receive any checks for {$71.00} nor did my checking account where my bills were automatically taken from list any deposits fro  XXXX   XXXX   XXXX  into my account. The important thing to remember is my phone was shut off in  XXXX  and should not have been billed any charges other than the {$5.00} fee for holding my phone number for a year. Incidentally I also cancelled this service in  XXXX  when the billed my for a full month of usage for a disconnected phone.I paid my full phone bill in  XXXX  and should have only received a bill for a partial month up to the point of cancelling my phone service.In  XXXX  {$24.00} was taken from my account for what I presume to be a partial months service from  XXXX  until the day  XXXX  cancelled in  XXXX . My  XXXX  phone usage bill was paid in  XXXX , My  XXXX  partial month usage bill was paid for partial use in  XXXX  and from that point no charges should have  been.owed.Where  did the {$71.00} charges come from and then charge me for a returned check fee of {$30.00} for phone usage on a disconnected phone They referred the {$100.00} bill t o Diversified Consultants Inc   XXXX   XXXX   XXXX ,  XXXX  FL.  XXXX   XXXX , Phone  XXXX   XXXX . I sent them a check for {$100.00}. .My phone account number is  XXXX   XXXX   XXXX   XXXX   XXXX . My Name is  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  Ohio, XXXX , Cell phone  XXXX   XXXX   XXXX .
I have an FHA mortgage with Bank of America and I have been begging them for the last 3 years to refinance my mortgage. They sent me a XXXX page application to fill out which I did and then faxed it to where they told me to. I am in the midst of a XXXX and my wife, very soon to be XXXX, wants no part of the house as I am so upside down with it. The bank is telling me that since her name is on the original mortgage -- -although she was unemployed and made no contribution financially to the mortgage when we got it -- -they insist on all her financial information and will not move on the application for the refinance. I am between a rock and a hard place as I have just recently retired ( XXXX/XXXX/15 and am now living on Social Security and a State pension. I am at 5 and 1/8 % and I know they can do much better than that but they are completely at a stand still in the process and I am getting no relief from them whatsoever. If you could help me I would be exceedingly grateful. Thank You in advance.
This predatory lending company issued me an {$800.00} loan. After making several payments and paying it down, I was having a financially difficult time and tried to work with spotloan l. However, they threatened to put down I was refusing to pay. This was in I believe XXXX. Today, XX/XX/XXXX, my mother received a text from this company with a link, my account reference number, and the zip code in association with the account. These are the only things required to get into the account. Meaning, had my mom changed her number, someone would have full access to my account. Today my loan stands at {$1200.00}. I in no way can afford this, and to say paying these awful people back is the bottom of my life priority list, would be an understatement. Any help is appreciated.