WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX i submitted a dispute to ALL three credit bureaus. XXXX, XXXX and Transunion. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. XXXX removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and XXXX hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. XXXX needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report.
Transunion ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
XXXX replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX ( multiple accounts ) XXXX ( multiple accounts ) XXXX XXXX XXXX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!
I hope this finds you well, Over the past week, Citibank has repeatedly called me in an attempt to reach my wife ( XXXX ) and to collect on some current that she owes ; I am *Not* a co-signer on any of these debts. 

Not only have they continued to harass me while at work via my personal cell - they also identified that they were " Citibank '' which is also a violation of CFPA by giving out the institution where debts are currently owed.
On XX/XX/2017 Jefferson Capital System cashed a check in the amount of {$10.00} as a result of an agreement to update their account to the original creditor as paid in full and remove their account from the three credit bureaus. This was not done per the agreement and the bureaus are still reporting a balance of {$240.00}.
While trying to check my credit report with Equifax they asked me questions about a mortgage loan, a car loan, a bank card and a department store card that were taken out in my name, I have no knowledge of any of them because I 've never gotten any type of loan or bank card as it seems I was too young and some where done last year
Account # XXXX Claim # XXXX I am filing a complaint against Ditech Financial, LLC. Hopefully my complaint will benefit many others. I had smoke damage in my home. My insurance has come and access the damage and written the check to cover it. However ; it is written in my name and my mortgage company. I would like to endorse the check and send it to them so they may endorse it and send me part or all of it to start the process of making the repairs. I also plan to send my claim report from the adjuster, In addiction Ditech is requesting for an estimate of the material that will be used from XXXX or another supplies place. Well actually I tried to get that information. But XXXX was unsure how to give that information since it requires price, quality, and quantity. from the claim. It is about 9 rooms that that has to be restored, serviced, and remodeled. All rooms won't use the same material. I need to start and figure out what is needed along the way. My insurance company said all they need to do is cash the check and write me a check to begin then verify what was done, and give me the balance. I am doing the work myself under the coaching of a skilled handyman. They want to pin me down to a certain company to buy the material. But I plan to do that according to whoever give me the best deal with the price, quality, and quantity. Here are the places I plan to use XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. You would think that Ditech would like the house repaired since they still hold an interest in it. If there is any other information that you may need, please call XXXX XXXX. Thank you very much for whatever help you can give.
I recieved a letter from National credit in XX/XX/XXXX to which i sent a certified letter back to them which was signed for. I had asked for validation of the debt that XXXX XXXX claimed i owed. I have not ever done business with this company. He sent me a XXXX page copy of a lease that had no signatures on it and a agreement inspection report WITH NO DATES ON IT. this did not meet the required law for validation and has not been met to this date
Received several phone calls at home around XXXX-XXXX. Upon answering, the caller just hangs up. This morning, I called the number shown on Caller ID ( XXXX, no area code ), and a woman named XXXX ( refused last name ) said she was from American Medical Collection Agency and was calling due to an outstanding bill for my husband ( XXXX ) from XXXX XXXX on XX/XX/XXXX. She wanted a payment today, and I said we have full insurance coverage and this should have been paid by insurance. She said it was not, and she said this will " hit '' his credit if it was not paid today. I said I have never received any written notice of this debt, and she said if I would provide my email, she would email the notice. I said since I do not know who you are, I am not providing an email to you and you need to send written notice of this debt to my mailing address - of which she had. She again said that this would " hit '' his credit report if I did not agree to payment arrangements today. I said send it to me in writing, and I will send it to my insurance company for review. I also told her about the timing of the calls, as well that they were just hang-ups without any person on the line, and she said she would notify her company. I informed her to cease and desist with all calls before XXXX my time. When I requested her company information, she provided the following : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX XXXX XXXX NY XXXX
10 accounts are showing closed on my credit report as of XX/XX/2011. The loan amounts were paid and I asked the company to remove the accounts from my credit report as it has been over 7 years since the last time reported and over 11 years since I attended XXXX University. The company has failed to honor my request or respond and it is causing problems with my credit report and showing that I have all these account with Dept of Education and Nelnet when I don't.
On  XXXX   XXXX ,   XXXX   my car broke down major problem with engine I called Ocwen to let them know my  XXXX  payment would be late and I would have the money by  XXXX   XXXX ,   XXXX   and if they received it would I be late because they told me I would have a late fee but they would not report late on my credit report they advised me to over night it so it is received at there overnight bin which is in Texas I did what they told me to do. I contacted them again on  XXXX   XXXX ,   XXXX   I gave them the overnight number and they said great I explained what happened I even have a ID # and name of CSR told them that I was trying to get caught up but the expense of my car is the reason why again they told be as long as it is in our overnight  XXXX   XXXX  by the  XXXX  of the month you are not late. I found out last week they reported me  30 - 6 0 days late I know I was late with the payment but it was done within the 30 days. I called them on  XXXX   XXXX ,  XXXX   XXXX  &  XXXX  I was told that they can look up the calls and if they can see them they would look into this I told me I never called which I did I have id # times etc. At this point I called the  Mass Attorney Generals  office they told me to contact you. I tried to reach out to them again because they are changing me for register letter fees for  XXXX  I was told that I did n't pick up the letter the women I spoke treated me like I was the biggest low life in the world and she kept on saying I was not telling the truth I ask if this could be escalated I was following what they told me to do and I had names of th e csr s he said that if they did log the call I had no proof. I was so upset they way they treated me if it was n't for consumers Ocwen would not be in business. Again I called I once again tried to explain my situation why would I overnight money and pay  XXXX  and get it there by the  XXXX  if they were going to report me. I also was told even though they have a overnight bin for these situations they do n't process payments on weekends.
Open XXXX charged me for a debt that is incorrect and would not attempt to resolve and debt collector will not fix.
I spoke with XXXX XXXX and they verified that they have no record of this debt within their system. I disputed this to Experian and XXXX and they are still reporting this debt as mine, when it 's not. Please, investigate the bureaus and have them remove this debt from my credit reports.
On XXXX XXXX I sent a dispute letter to Equifax certified mail asking them to send documentation and proof of debts belonging to me. Equifax received my certified letter on XXXX XXXX at XXXX after receiving my letter they provided no response and no proof of debts belonging to me. It is now XXXX XXXX, 2015 and the debts are still unverified and have still not been removed for my credit files. Under section XXXX ( a ) ( XXXX ) ( A ) ( I ) they have not provided me with documentation of accuracy of the disputed accounts and all items should be removed immediately. I am asking that they honor FCRA 15 U.S.C. 168li, and remove all unverified account immediately other wise they a continuing to report unverified debts on my credit reports. Attached I provided the dispute letter I sent and the certified tracking card from USPS tracking number XXXX.
I recently opened a chase checking and savings account and upon opening the account I was informed that another checking and savings account was opened and charged off in my name. I left the customer service at the bank no that it was fraud that I have never held a personal checking or savings account with chase bank before, just a loan account for a lease car that I have. I provided them with documentation proving my claim of identity theft and my accounts was allowed to be opened ... .. Now days later they close my account after I switched my direct deposit over and all my bills to come out of this account.
I pulled a copy of my credit report at the end of XX/XX/2018. On my XXXX credit report was an account listed from Creditor Advocates that they purchased or were attempting to collect for XXXX XXXX XXXX. As I was not aware of any outstanding medical bills I did not believe that it was actually mine. I proceeded to send Creditor Advocates a letter, sent certified mail, requesting more information so I could look into the matter to see if I was correct and it was an error. As per the FDCPA I requested that they validate the debt within 30 days of their receipt of my letter. They updated the account on my credit report to " disputed '' but failed to send me anything to show the debt was mine and therefore denying my right to make sure the information is correct.
XXXX XXXX XXXX is showing they are a factoring company on an old debt which they are not as well as they are trying to show revolving account with past due monthly payments being missed which collection accounts can NOT do. Filed a complaint with the XXXX ombudsman as well with no luck. Illegal and shady practices by XXXX.
On XXXX XXXX, 2015, I submitted a complaint against Nationstar to the CFPB, case number XXXX. The CFPB received the response on XXXX XXXX, 2015, where Nationstar admitted they were overcharging me due to using incorrect FHAMIP amounts in their calculations ( overcharging me by over {$2500.00} per year ). In their letter, they stated my monthly payments should be {$3300.00} instead of the {$3500.00} they were requiring starting XXXX XXXX, 2015. 

I filed another CFPB complaint today ( case number XXXX ), XXXX XXXX, 2015, because the {$3300.00} they claim I owe in their response is still incorrect. They erroneously double paid my homeowners/hazard insurance in the amount of {$1400.00} each time. This is causing inflated escrow analysis, wrongful charging of a " cushion shortage spread, '' plus increased base escrow payments each month. 

One hour after submitting case number XXXX today, I received a letter from Nationstar letter claiming my loan was in DEFAULT. Although I was forced to pay the XXXX payment late because I did not budget for Nationstar 's wrongful overcharging, I managed to send them {$3500.00} which cleared my checking account on XXXX XXXX, 2015. I immediately called them. I spent yet another hour and ten minutes trying to get it resolved. I was finally transferred to customer service representative XXXX XXXX. He confirmed that my {$3500.00} payment was received on XX/XX/2015. but that it was placed in a " suspense account '' because it was not enough. He confirmed that the payment was not applied to my account until XXXX XXXX, 2015 AND RESULTED IN NEGATIVE CREDIT REPORTING TO XXXX BUREAUS!!! They did all of this even though they KNEW there was research and potential errors and a CFPB complaint response pending!!! Even using their own over-calculations, they had {$130.00} MORE THAN THEY WERE OWED, refused to apply the funds they possessed, then turned around and reported me late. XXXX then told me that they could not correct their wrongful credit reporting for up to 30 days! This is absolutely unacceptable. What happened to FAIR CREDIT REPORTING? At this point, there must be alphabet soup of all of the regulations they must have violated. Please help me STOP THIS MADNESS.
in XX/XX/2018 I initiated a money transfer from XXXX to my personal bank account. *they were previously linked and had been for a while. on XX/XX/XXXX the money from my previously initiated transfer arrived in my bank account. Later that day at XXXX on the XX/XX/XXXX ( probably right after the money arrived in my account ) i received a text message from XXXX   with a verification code. At this time i was not trying to log into my XXXX and i knew my password. I did NOT request this verification code but somehow whomever requested this verification code gained access to my account ( even though the text was sent right to my personal phone that no one else has/had access to ). After this my bank account was completely hacked and compromised all starting with the breach from XXXX. My personal banking account was then linked to a paypal account and money was withdrawn. Also my email that was linked to my XXXX ( different email from any other app that was hacked ) was subsequently hacked. All of this has led to my identity being stolen and my social security completely stolen.
Paypal has a policy which states : If you provide tracking information ( XXXX ) and we can confirm delivery, your payment should be available three days after we can confirm the delivery date. 
o Pending payments are generally released three days after we can confirm delivery, but sometimes the delivery information takes a bit longer to update. If it 's been three days and your payment is still pending, the information is still processing and the payment should be available soon. Please note that pending payments ca n't be released before you meet these requirements. 

I have entered tracking information and delivery confirmation has been entered by XXXX as of XX/XX/2016. The buyer has not made any complaint or expressed any concern with his delivery. Paypal has not released my funds for transaction ID XXXX Instead they are saying they may " hold '' them for up to 21 days!!! For no cause or reason. Just because I 'm new at selling on Ebay. 
How many millions of dollars in customer funds may they be holding and earning interest on despite the fact that the seller delivered a product and the buyer received the product and there is no dispute? This seems completely predatory, arbitrary and lucrative for a company of this size handling as much money as they are. Please address this for me and millions of others.
I have been paying from XX/XX/XXXXeach month towards the settlement amount. Today, I called them to verify how much balance is left towards the settlement amount. They said I broke the settlement by missing the payment inXX/XX/XXXX. I checked with my bank account and verified it was paid. Then I called them to inform this and this time they said it was XX/XX/XXXX payment I missed. Again, I checked with my bank and it was paid. Every month it was paid and never missed a payment. I have the proof from my bank it was cashed each month. They never sent me statements to reflect the balance. I need this to be resolved ASAP.
On XX/XX/XXXX I decided to request a payoff from Nations Star, now Mr. Cooper. The payoff, as well as the statement shows a whooping $ XXXX owing in escrow alone. I called and was told this was due to the disaster in our area and this is the forbearance. My immediate thoughts were this company has overcharged us with erroneous, exorbitant fees. We are requesting an investigation of the entire negative balance of $ XXXX.We further request that this is in itemized format to account for every dollar and someone who has the ability to articulate this to us. Further, their is an amount showing of {$3100.00} for interest during XX/XX/XXXX through XX/XX/XXXX. Although payments are running late due to last year 's disaster, we continue to make payments and a modification was booked and approved. We were turned down for a forbearance. Now all of a sudden we are in a forbearance? The representative could not explain this, only saying ... .because of the disaster??? What? As a federal employee supporting warfighters I have requested federal agencies to investigate this immediately following Mr. Cooper 's explanation. Lastly, we were in XXXX for five years, which was completed in XX/XX/XXXX. It has been only two years since this completion and payments were automatically debited to pay mortgage. We will also include this information while investigating this lender requesting {$28.00}, XXXX.
We agreed to pay {$150.00} a month for TV and internet services for 2 years. I also let them know that we were on an fixed income and could only pay so much a month and they said that they could and would keep the bill under a {$150.00} a month. But every month after XXXX XXXX XXXX took over XXXX XXXX I had to call to let them know that that was not our agreement. So after so many months of trying to get them to fix the problem my husband and I went elsewhere for services. Now XXXX XXXX XXXX XXXX XXXX XXXX say we broke the agreement I didn't they did.
There is incorrect name and address information on my credit report. I was informed of this by Experian and XXXX XXXX
I moved to Oregon and needed to register my car in that state. Oregon requires you to process registration through the lean holder ( VW Credit ). You send paperwork and payment to the lean holder, and they forward it to DMV with Title information. I mailed paperwork to VW Credit on X/XX/2017 They have record of receiving it on X/XX/2017 I was charged a {$45.00} title fee on my XX/XX/XXXX invoice. I waited the allotted 6 weeks for my registration to arrive in the mail - but nothing came. I tracked the problem down to VW Credit - they never processed the paperwork. I have been following up with them continually - trying to move the process along. I asked to have the {$45.00} fee waived - and they refuse.
I received a call from a " process server '' claiming they need to serve me because I was being sued. They also called my place of employment ( actually my boss ' cell phone ). I called back &amp; they stated that I was being sued by credit card company  from 2002. Ther e is n't anything on my credit regarding any kind of collections. This week, they have again called me &amp; also my mother &amp; sister 's cell phones. The company claims to be  XXXX   XXXX   XXXX , which was stated on an email I received. They answer the phone " law office '', so that 's the first sign that this is a bogus company trying to scam people out of money by threatening a law suit.
I am receiving repeated calls on a daily basis. When I do answer the call the person on the other end very quickly gets rather nasty and accusatory. I even offered to pay a regular amount with auto deduction but he wasn't interested in setting this up as he proceeded to belittle me for offering this monthly amount that he considered unsatisfactory. During our last conversation, I asked him to remove all of my phone numbers from his list and to cease all calls to me. I requested that he correspond via the mail. He went on to accuse me of ignoring his mail. Quite frankly, I do not even have any record of him ever sending any mail to me. He is mean, rude and uses abusive LOUD language. When I present some information that he doesn't want to hear he simply ignores the comment and talks over me with some derogatory comment or question. I spoke to him again yesterday and asked again that he remove BOTH of my phone numbers. He will not verbally acknowledge this in the conversation.
I contacted all three credit bureaus via certified letters, to have this XXXX XXXX closed account removed from my credit reports. I have not heard from them and it's been 30 days now this is not compliant with the FCRA law that holds the bureaus responsible for responding to consumers within a timely manner. This closed account has caused stress and my credit score to decrease  drastically. I am in a financial hardship and am a single mother. 
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On XX/XX/2018, 2 purchases for {$400.00} and {$250.00} was made on my card in XXXX, MD at a XXXX store. I've never been in XXXX, MD nor did I give my card to anyone. I was not able to report the transaction to the credit card company till XX/XX/XXXX. XX/XX/XXXX received paperwork, including a police report to dispute the transaction. The credit card company agreed to refund the entire amount of the purchase on XX/XX/XXXX. On XX/XX/XXXX, the money was put back in my account and on XX/XX/XXXX the credit card company took the money back out.
I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file. They are currently reporting a {$790.00} debt.
FEW ACCOUNTS IS NOT EVEN BELONG TO ME, AND IT STILL SHOWING TO MY CREDIT HISTORY AND THOSE ACCOUNT ARE DAMAGING MY FINANCIAL LIFE
XXXX   XXXX ,    2017, I we nt to the Santander branch to close my account. I withdrew my entire balance and requested the account be closed. The teller told me it was closed. I checked online and the account is still open. I sent an email on  XXXX   XXXX ,  2017 as king why the account was not closed. As of  XXXX   XXXX ,    2017, n o response. I sent another email asking if they are going to respond to me. On  XXXX   XXXX ,    2017, I  sent another email and told them I would be making a complaint with whatever agency was appropriate. I finally got a response after that at  XXXX   XXXX  ( 5 days after my initial request ). They told me they did not have my account information and to call them. I replied and gave them my account number as well as a phone number to reach me at. I also told them I would not call them as they have done nothing but lie to me during previous calls about other matters - which is why I cancelled the account. Also, I spent much time at the branch closing my account in person and I would not spend more hours on hold which has occurred every time I have contacted them. Since  XXXX   XXXX , I have sen t 5 m ore emails daily requesting a response and they have refused to respond to me.     Santander Bank refuses to close my account and presumably intends to charge me a service fee in  XXXX .     I want my account closed.