WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX was performed at XXXX hospital in XXXX, GA on XX/XX/XXXX.  Insurance was filed with XXXX. Received EOB that part of the claim was denied due to XXXX not obtaining appropriate precertification. Bills started coming from XXXX and at least one phone call a month asking to be paid. EOB stated that I was not responsible for the fee. Called and spoke with XXXX and they stated they would pursue with insurance company, XXXX. Kept receiving bills and phone calls once or twice month. XXXX issued a new EOB that the previous denial had been reversed and paid more money toward claim and again stated the bill was paid in full as the rest of the balance was a contractual write off with the insurance company and XXXX and that I could not be billed. Again, the phone calls and bills kept coming. Spent many hours on the phone talking to both companies to resolve the issue. Had XXXX and XXXX on a three way call for XXXX to inform XXXX that I had satisfied my responsibility for the bill and did not owe any more. Still the calls and bills kept coming. Received a call from XXXX XXXX XXXX collection agency on XX/XX/XXXX, without written notice, that the debt had been turned over to them and they were trying to collect. Again, tried to explain that I do not owe. Again called  XXXX and they attempted to call XXXX and they refused to talk to the agent.
there is someone elses name on my transunion credit report. the names XXXX XXXX is not mine nor do I know this person. My name is XXXX XXXX and always has veen
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  ),  XXXX XXXX XXXX Account Number : XXXX ( Experian, XXXX, XXXX   ), XXXX  XXXX XXXX XXXX /XXXX  XXXX XXXX XXXX Account Number : XXXX ( Experian , XXXX , XXXX ), XXXX Account Number : XXXX ( Experian , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Experian , XXXX , XXXX ), XXXX XXXX Account Number : XXXX ( XXXX ), XXXX XXXX XXXX  Account Number : XXXX ( Experian , XXXX  ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Experian , XXXX , XXXX XXXX ).
This is a scam company. No way is this my debt and you never gave me a chance to dispute this debt! This is bogus
Card was previously added to the XXXX payments center to keep on file for digital purchases. Subscription service was linked to card thru XXXX. Renewal time came around and card had expires as I forgot about the subscription from a year ago. XXXX as punishment issued a ban for any adding of cards to my entire XXXX account. Contacted XXXX. They advised they would not unrestrict it. I find this to be a violation of UDAAP. Having a card reissued for the same card number ( new exp and cvv ) is not an indicator of fraud or money laundering etc. That is a common  practice of a bank to issue a new card with a new exp. I feel XXXX has been unfair and very deceptive about accepting payment and giving support which did not solve any issues.
On  XX/XX/2017    I was contacted by someone  at Ally Auto finan ce in regards to my brothers auto loan account with this company. I asked them repeatedly to tell me how my information was obtained regarding a business matter and debt that does n't concern me. The person that I spoke with whose name was  XXXX  would n't provide me with that information and told me to speak with my brother to get him to request to take my information off of this account. I have not now or ever given permission to my brother or Ally Auto Finance to contact me, I never signed on as a co-signer, I never gave any information to the auto finance company or an y one  else associated with Ally financial. After a long and frustrating conversation with  XXXX   I was t ransferred to  XXXX  the supervisor who at the beginning of my call stated that my name would be taken off of their information. When I asked again how my information was obtained he would not tell me that information. I asked for the contact information of their legal department or the president of the auto finance division and again I was denied. I asked again how my information was obtained and how they were able to invade my privacy and harass me to which I was told that my number would be removed. I asked again and finally  XXXX  told me that he did not know. I told him that I have every right to know and he told me that he would place me on hold for an  hour or two so tha t this information could be found. After asking again for the contact information to the legal department so that I could send a cease to contact letter to them I was told that information was not available and then abruptly put on hold. After a few minutes  XXXX  came back to the line and stated that  XXXX  was searching for a supervisor for me to speak with and if I could wait then they could fine on for me. I repeatedly asked for information that was not provided, they would n't tell me where could send a cease to contact letter. I feel very harassed by this company and I feel that my privacy has been invaded.  <P/> For reference purposes the phone number that contacted me was  XXXX .
send XXXX on XX/XX/XXXX # XXXX received reply on XX/XX/XXXX Company 's Response on XX/XX/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX has reviewed the information provided by XXXX XXXX, as well as the information associated with XXXX   reference # XXXX. The debt was assigned on XX/XX/XXXX by the original creditor, XXXX XXXX XXXX XXXX XXXX The debt was assigned with a principal balance of {$670.00}. Allowable statutory interest has accrued on the debt, in the amount of {$88.00}. The current balance as of the date of this response is {$760.00}. XXXX sent a debt notice to XXXX XXXX on or about XX/XX/XXXX at her last known address on XXXX XXXX. XXXX did not receive the notice returned as undeliverable. XXXX has attached the document provided by the original creditor to support this debt. If XXXX XXXX would like to discuss this account in detail she may contact XXXX 's manager XXXX directly, during normal business hours. 

send new reply on XX/XX/XXXX # XXXX after there reply : OUR COMPLAINT I send a report with cfpb on XX/XX/XXXX, and received a reply from the company on XX/XX/XXXX. In the reply said the amount owe and a copy of the bill. I don't remember if this is one of the companies I went to, because the dr 's was changing me to diffent places to get my medicine. I didn't see a contract or ect, just the bill. But XXXX claim that they sent a letter to me on or before XX/XX/XXXX to my XXXX address and they never received it back, so claim that I received it. Well I never received anything at no time and nothing after the month 's they claim they mail me one. which I think the company did not send me any letters in which they claim, and never came back to them. so it's my word against their, how can I proved it, that they give me notice to disputed the collection. I have a mail center that records every mail that come in on my account. I got a copy for XX/XX/XXXX to XX/XX/XXXX showing no mail from there company never showed up at my rainbow address. The mail center is Mail link plus in XXXX XXXX, Nv XXXX XXXX XXXX this company only send me a copy of a bill, no contract or ectXXXX
Attached you find a payoff letter from XXXX that states loan was paid in full as agreed. It was not part of Bankruptcy.
609  Section/ DELETIONS TO CREDIT REPORT My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation.     Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g  ] of the Fair Credit Reporting Act of    1970 pr ovides that your credit bureau should send me all information on file that led to my credit application being denied. According to the pr ovisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurat e reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :   XXXX   XXXX   XXXX   #  XXXX , #  XXXX    XXXX   XXXX   #  XXXX    XXXX   XXXX   #  XXXX   XXXX  #  XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   Please notify  me that the above items have been deleted pursu  ant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts. If you do not remove this items in a timely matter I will file a law suit under section 617  under the color of the law.
If you have any questions or need additional information, please contact me at address noted below. There are a total of 2 pages of items with all three credit reports
My " unconfirmed '' Chapter XXXX was dismissed. 
I changed my mind and the attorney cancelled my case. 
Please see attached documentation.
I have been harassed by this company called Navient for the past 3 to 4 months about XXXX dollars that I don't owe them because I am still in school. I studied XXXX away from the University XXXX for a semester. Filled out and sent in a deferment letter and these people continue to harrass me to the point they are calling me at XXXX at night on a school night when I have to study for exams and do homework.
I have been disputing a fraudulent reporting from XXXX XXXX to Transunion about a zombie debt that has fraudulent activity dates and the California status of limitations expired for the last 3 years but Transunion has not done a deep and effective investigation and keeps accepting reports on this invalid debt to this date. I am trying to dispute it, but I am being denied online access and they say the record has been disputed already and that I have to contact them through a P.O. BoxIs this never going to end? Is there a complacency from Transunion toward XXXX XXXX on this matter to let them post monthly updates on an invalid and fraudulent debt collection?
I am writing this complaint due to the lack of communication on the construction loan XXXX that I had with XXXX XXXX XXXX. Our commercial loan officer was XXXX XXXX XXXX we meet with him at the bank about the loan in XXXX CT. We closed on the construction loan in XX/XX/XXXX for a 1 year construction loan with 2 6 month extension if needed. We started construction and everything was going fine. We had know problem making the loan payment because they came out of the checking with XXXX XXXX XXXX automatic. Due to changes in construction and weather we had come to the anniversary date on the construction loan and need the extension for 6 months. We reach out to XXXX XXXX early in the process to get it done so there was know problem with the loan. We than go the paperwork in the mail showing amount due on XXXX XXXX XXXX we were not done with the house. We reached out to XXXX XXXX about it and he said they were working on it. He would get back to us with something by the end of the week. We reach out again he said that they would have it done by early next week not to worry about it. We got the paperwork work late from them and than they put a late payment on my credit. We called XXXX XXXX about it and he said that should have not happen and he would take care of it for us. We tried and tried to get this fixed with him and XXXX XXXX also from XXXX XXXX XXXX she was our mortgage officer for the end of the loan when it was to go to a first mortgage on the property. We reach out to XXXX XXXX again after we closed on the mortgage to get this fixed he than at that time said to us that they can not fix it because they have an A rating an it would not look good for them. I said over and over to him you said not to worry about it you would fix it. He reply sorry he can not fixed it. I can not believe that after all this that was his comment to us. Not good business practice. Thank you XXXX XXXX
In XXXX of XXXX, Sun West Mortgage Company issued me an FHA loan for the purchase of my primary residence. I have reasons to believe Sun West Mortgage Company failed to meet " HUD Quality Control Requirements '' when  underwriting my loan. Deficient and poor underwriting practices lead to enormous losses to the Federal Government, and also to individuals ( a. individuals to whom loans are issued, b. millions of taxpayers ).
I have reasons to believe that Sun Wests underwriting of my loan was deficient, having " excessive qualifying ratios '' and " insufficient compensating factors ''. HUD 's handbook requires that lenders gather significant compensating factors to approve loans that exceed HUD-FHA 's limits. One compensating factor, for instance, would be for S
Sun West to require a borrower to come up with a larger down-payment. Sun West, however, failed to gather any significant compensating factors to approve my loan. 1. My debt to income ratio was too high, exceeding HUD 's benchmarks. 2. Sun Wests underwriters qualified my commissions as " acceptable '' and " verifiable '' income, even though I had been at that job for less than a year. I had also just recently moved to New Jersey.
3. Sun West hired their own appraiser as required by FHA, which appraised the value of the home at exactly what the seller was asking for ( at {$270000.00} ). I later found out that the seller had purchased the home for only ( {$110000.00} ) just seven months prior to the appraisal. The seller did poor and minor work at the house ( obviously not spending more than {$10000.00} ). The nearby homes had been sold for a much lower price, thus, leading me to believe that the
appraiser was in collusion with the loan officer to get a high appraisal, to get that loan approved quickly, through a " lethal predatory lending '' that has now put me on route to foreclosure. It has caused me substantial financial loss.
5. The loan officer had contacted me through a lead that was given to him by my realtor. Sadly enough, my realtor lacked integrity and honesty. At this particular sale, my realtor was violating several New Jersey Real Estate laws ( he and the seller, who were in collusion, were later fined by the State of New Jersey for these violations ). After reviewing all communications with my loan officer and my realtor, it appears to me that the loan officer did not act in good faith at the issuance of this loan. It appears to me that he served the best interest of the seller and of the realtor ( who at this sale, failed to disclose that he was a dual agent ). As a matter of fact, the seller was a broker ; she and the realtor had an employer-employee relationship. 5. After contacting Sun West about being a possible victim of fraud and " predatory lending '', Sun West failed to provide me with an adequate response, and my loan was quickly transferred over to XXXX ( which is the mortgage bank that now shows on my credit report ).
Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX
Ally Bank Checking Account : I recently deposited a check in my checking account on XXXX XXXX, 2016 electronically via my mobile device which was approved the following day. The funds show in my account under " current balance '' but are not available to me. I called the bank as I noticed my account was overdrafted by {$86.00} yet I just deposited a {$25000.00} check. The bank stated that the funds would not be available to me until the next 5 days as my account was flagged for frequent overdraft charges during the last 6months. However, instead of admitting this was an unfair practice, the bank instead is charging me additional overdraft fees during this period. Essentially they are blocking me from having funds available that would prevent these exact overdraft fees from being charged. This is pretty obvious to me they are exploiting a common practice in the industry which other banks were just fined for and this bank simply has just gotten away with it.
XXXX XXXX XXXX XXXX, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports since XXXX 2015, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of the so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, XXXX XXXX XXXX has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

FMS Financial Solutions refused to correct their records, despite the fact that they were made aware that they are violation of the Fair Debt Collections Practices Acts ( 15 USC 1692 ), especially section 807 ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States.
I have an outstanding debt with XXXX XXXX XXXX XXXX  and when I tried calling them they said it was moved to a collection agency and I needed to work with them, Ive never recd a letter but I did get phone calls I asked the agency to send me in written or email my debt it took 3 calls to finally get this letter emailed to me and when I tried calling them to arrange a payment I dont get a call back 1 week later I get a call from the agency ( Constar financial service ) they call me during my work hours Ive asked for them to all me after XXXX est time and they never do they only call during the day which I cant take. Ive left several voice mails to this agency after work to have them call me back. Its not right that they only can call while Im at work esp since this is a dent and a private matter for my coworkers not to know. Im looking to resolve this and get it off my credit report
This morning I logged into the Experian website to lift my security freeze. I lifted it from today XX/XX/18 through Friday XX/XX/18. I was curious if it actually lifted this time as in past times they charge me but don't lift the freeze. I got a confirmation - see attached, I then looked at my credit card statement and they charged me to lift the freeze - see attached. My bank called me about 6 hours later and stated they still can not view my credit report as it is still locked. I spent an hour on hold ( yet again ) calling several different numbers, but still Experians excuse for customer service, refused to even answer the phone. I've been defrauded of money. They have purposely and willfully stolen money from me and refused to provide a service for what I have paid. Due to their malfeasance, I have lost a business opportunity and a loan. I should hire an attorney and sue them
I have completed all payments toAlly Financial. I have called Allytwice to report that XXXX isstill reporting that my account is stillopen and owing XXXX It has beenover two months and this is still notchanged on my credit report. Allyagrees that the account is paid infull. I would like Ally to contactXXXX XXXX and report my accountas paid and closed.
I have on my credit names that I had never used attached with addresses I have never lived. One is my ex husbands address and has me listed as another name. I am asking for this to be removed. This was pulled up by a background prior to getting employment
I have had this same issue in the past with the original creditor  XXXX  and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with ERC, copy of letter and response is attached, and once again now this new collection agency,  XXXX .  XXXX   XXXX , is claiming I owe them without even mailing me anything through the  XXXX  Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if  XXXX .  XXXX   XXXX  can not verify this alleged account ac cording to the Fair Debt Collections Act.
I have been banking with Wells Fargo since I became an adult roughly 20 years ago. Up until recently, I had my personal checking, personal savings, business checking, business credit card, and a car loan with Wells Fargo and Wells Fargo Dealer Services. This was the third consecutive car loan with Wells Fargo Dealer Services. I started a XXXX XXXX company 4 years ago and naturally it was with Wells Fargo. My point is, I have been a very loyal life long customer. 

On XX/XX/XXXX, Hurricane Michael made landfall as a major Hurricane and decimated our area. My wife was XXXX XXXX XXXX  at the time and we were forced to evacuate to XXXX Alabama several days prior. I returned on XX/XX/XXXX to a damaged home, no power, water, or communications. 

During this time I missed a car payment that was due on XX/XX/XXXX. I have never had a 30 day late on the 3 loans I have had since XXXX. When going to make my XXXX payment, I realized I had missed a payment. I immediately made both payments and called customer service. The representative informed me my payment had been made and gave me the number for a disaster relief department that was closed. I called the next day and they wanted to back out my payment and set up a payment arrangement. I declined the offer and just wanted to stress how important my credit was and didn't want it effected by this. They assured me my account had been flagged as being effected by a disaster. 

One month on, I check my credit and it has dropped from XXXX to XXXX points due to a 30 day late being reported. With my history as a XXXX XXXX XXXX  and XXXX XXXX, I know it is possible to back out negative credit reporting. I called again, this time talking to no fewer than 5 people, asking to speak with a supervisor or manager only to receive a " Escalation specialist '' or " Senior Escalation Specialist ''  never being connected to anyone that could resolve my issue. I was told to fax a request to a credit department, they wouldn't submit for me due to no error being made, or I could contact The Office of The President.