WillisBack/dataset-financial-user-claim huggingface dataset:
I incurred a medical bill due to the deductible being owed, which I do not dispute. Prior to the XXXX, I was contacted about paying the deductible, which I did not have in full at the time so I paid {$500.00} of an approximate {$3900.00} deductible. After the completion of the procedure, I received the invoice for the balance and immediately contact the hospital billing department to make payment arrangements. Of an approximate {$3400.00} bill, I agreed to pay {$250.00} per month until the bill was satisfied. I made approximately XXXX payments of {$250.00} when suddenly I got a collections notice from a debt collector. I immediately contacted the debt collector, and expressed my disappointment that the bill had gone to collections, especially since I had been making the substantial {$250.00} per month payments. Nevertheless, I assumed responsiblity for the bill, and agreed to a payment plan of {$200.00} per month until the debt was satisfied in full, or of which time I was able to take advantage of a reduced offer of settlement. After XXXX payments, I happened to check my credit report, and noticed this account was reported as delinquent, and it had negatively affected my credit to the tune of almost XXXX points. I was never notified either by the hospital ( the debt owner ) nor the collections agency, that my credit might be negatively affected. And, since I had been make regular substantial payments on a debt that would have been satisfied within a year, it never even occurred to me that that might be the case. I was never late with any payments. I never disputed the debt, and did assume responsibility, and had been making regular substantial payments. Since, I was never informed that my credit might be adversly affected even in the wake of making substantial and regular payments, I feel I was deceived by the collection agency, as well as, the hospital that was the original owner of the debt. In fact, on several phone calls, I even brought attention to the fact of my desire not to have this situation negatively affect my credit rating. At no time, was I informed that this was even a possibility and was completely taken by surprise at the negative impact this debt had take on me personally. I feel the hospital and collection agency acted in bad faith, in accepting a payment plan that would have eliminated the debt in realistic time, but never advising me that payment plan would still result in a negative report on my credit. Otherwise, I would have paid much less per month as would have been less of a burden to me. However, in an effort to satisfy the debt as quickly as possible, and not be negatively affected in my credit report, I made payments in much larger amounts than was comfortable for my family and our monthly expense ratio.
A {$600.00} medical bill for treatment of my wife, not me, was sent to collection. The only way I found out about it was when I did the free annual credit report. I told the debt collector that it was not for me, they said the medical service provider chases the insured name and not the person who signs the form at the doctors office. My sister happens to manage a medical office and she verified that the service providers XXXX the insurance that was used, and not the person who signs the form accepting responsibility. What is the point of having a patient sign that form if they doctor chases the insurance? The system is horrible and biased in favor of the insurance/doctor/bill collector. If any one of them had sent me a certified letter explaining the facts I surely would have resolved this MINOR ISSUE. The law should REQUIRE at least certified mail before an allegedly unpaid bill tarnishes a person 's credit score. I had perfect credit all of my life until this unwarranted, unfair, and uncalled for blemish marred my credit score. My reputation has been slandered by the doctor 's office, the insurance, and the bill collector, and they walk away scott free. It is way too easy for them to throw out claims without any substantiation. They ought to be ashamed of themselves, especially for the bill collectors who are bottom feeders and bullies anyway! I know that N.Y. has recently made some slight improvements regarding medical bills. That 's great, but what does that bill become when sent to a collection firm? The federal government must do what states can not or will not do. 
This happened several years ago, so my letter is more of a cautionary tale, than any request for assistance. On the other hand, if there is any action I can take now I would be very interested in learning what that might be. Thank you. God knows we need all the help we can get to fight against the many unethical, though maybe legal, practices exercised by firms today.
Ocwen has filed foreclosure papers on my home at XXXX XXXX XXXX, XXXX XXXX, Texas. American Home Mortgage breached my contract by charging me for unjust late fees, illegal charges, and a fathom " escrow '' account amounting to almost four years of payments making my " real interest rate '' about 46 %. They are using a robo-signed Corporate Assigment of Deed of Trust signed by " XXXX XXXX '' .Ocwen has no real interest in my loan. I quit making payments to American Home after a XXXX audit revealed what they were doing.I have not made a payment since XXXX 2011. These people from XXXX XXXX on down are criminals. I was XXXX in Texas for 48 years. I would be in jail if I had done this. XXXX XXXX XXXX and XXXX is the foreclosure mill that is still using false papers, they need to be sanctioned, Ocwen promised in the settlement with the Texas XXXX that they would no longer use fake papers to foreclosue but here they are doing it and the law firm knows it is illegal which makes then guilty XXXX. I have sent a notice of recission to Ocwen and they did not respond. The reciission is in effect and no effort has been made by Ocwen to file suit to remove the recission.
In XX/XX/XXXX I finished consolidating my student loans being serviced by Department of Education/XXXX XXXX, then in XX/XX/XXXX I requested to be a part of the Public Service Loan Forgiveness Program ( PSLF ) and Income Based Repayment Plan ( IBRP ). By XX/XX/XXXX XXXX XXXX transferred by consolidated loan to Department of Education/XXXX XXXX ( PHEAA ). I noticed that once my loans were transferred to XXXX my newest account/balance/revolving payments are missing from my credit reports and my closed older accounts show incorrect balances. I have attempted to reach XXXX XXXX to request correct credit reporting, however, the electronic phone system will not allow me to speak with a representative and emails I send to XXXX 's account info remain unresolved. I am requesting that my account with XXXX be reviewed and correct loan information be reported to the credit bureaus as soon as possible.
Trans Union, XXXX  and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I called TransUnion XX/XX/18 regarding data error using the number provided online from free credit report. I was connected to an offshore representative without my knowledge. I was not alerted my call was re-routed to a foreign country albeit to an employee of TransUnion. Because my call was routed outside the US and the information requested included my US Social and other personal data it occured to me my shared data was potentially at risk. I only realized I was talking to a foreign national due to the delay over the phone. I requested to be re-directed to a US based representative. I asked if the call was secure and encrypted otherwise my voice and vocal responses could potentially be hacked/tapped in the foreign country used by TransUnion to re-route my US based inquiry. This may be a common cost saving initiative by all Credit Bureaus but it potentially represents a glaring gap in security because its routed un-encrypted through a foreign telecommunication system. While I was assured Transunion makes every effort to secure information AT its offshore locations this is not a safeguard for interception of call TO those offices in foreign telecommunication systems subject to foreign unknown laws. At a minimum if a call is routed outside the US and representatives are collecting personal data you need to be informed at the outset of the discussion with a representative. This needs to be fixed asap.
I reached out to AD ASTRA collection company due to seeing their number listed on my report. The first thing I noticed is they are reporting on my credit report under " XXXX XXXX XXXX  XXXX '' but when I call their number they say the name of the company is AD ASTRA. I sent A certified letter requesting debt validation as they have two accounts listed with open dates XX/XX/12 & XX/XX/2012 for A place by the name of XXXX XXXX. I have informed them via writting and over the phone that I have never done business with such company. And I requested That they send me debt validation showing original contracts showing that I had an contractual obligation to this company. Which they refused to send me. When I called the representative informed me they do not have to give me that information and if it wasn't me then they wanted me to send them A police report in order for them to look into this account. Their representative was very nasty and unwillinging to help. She continued to say things like " Your accounts '' when I repeatedly informed her those accounts where not mine and I have never agreed to business with such company. I asked to speak with A supervisor and was informed by the supervisor that they could not send debt validation unless I request so in writting ( Which I have already done ) She explained they didn't receive the request and I would need to send it again. I have been reauesting this information for some time now and seem to be at A dead end with this company. I also asked since AD ASTRA are the ones reporting on my credit report why where they reporting under A different name? This company seem like A scam! I am requesting legal original contracts validating this debt with my signatures or for this to be fully removed from my credit report or I will escalate this even further.
IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. THIS CREDITOR HAS BEEN REPORTING 2 ACCOUNTS INACCURATELY AS IF THE ACCOUNTS ARE ACCURATE. HOW IS THIS POSSIBLE WHEN I HAVE BEEN A VICTIM OF IDENTITY THEFT WHICH I HAVE PUT THE BUREAU EQUIFAX ON NOTICE AS WELL AS XXXX XXXX XXXX THAT THESE 2 ACCOUNTS THAT WHERE OPENDED FRAUDULENTLY. I'VE SENT NUMEROUS DEBT VALDIATION CERTIFIED LETTERS IN TO THE COMPANY ON XX/XX/20018 RECEVIED BY AGENT XXXX XXXX ASKING TO PROVIDE ME WITH THE ORIGINAL DOCUMENTS THAT CONTAIN MY ORIGINAL SIGNATURE. NO RESPONSE HAS YET TO BE GIVEN IN REGARDS TO THIS BUT A BOILER POINT STATEMENT PRINT OF CHARGES THAT SOMEONE ACTED AS ME AND CONTINUED TO PAY ON THE ACCOUNT. WHEN I CALLED IN AN SPOKE WITH A REP. REGARDING THESE FRAUDLENT ACCOUNTS SHE STATED " THE NORMALLY IF FRAUD IS COMMITTED THEN THE THIEF DOESNT PAY THE CARDS IT'S JUST A ONE TIME USE AND THEN THEIR DONE ''. I EXPLAINED TO HER THAT THESE CROOKS HAVE EVOLVED AND IF SOMEONE IS TRYING TO LIVE AS YOU AND CAN NOT GET CREDIT IN THEIR NAME THEY WILL PAY THE BILL TO KEEP IMPERSONATING YOU. IT'S COMMON SENSE THEIVES ARE NO LONGER XXXX. I AM SO XXXX UPSET BEHIND THIS FRIVOULOUS REPORTING I CAN SCREAM. I HAVE NEVER HAD A XXXX XXXX XXXX ACCOUNT NOR HAVE HEARD OF THEM BEFORE. THIS IS TRULY INSANE.
I spoke with a rep last Monday at Experians consumer affairs area. The rep initiated the disputes on my behalf. I faxed over a copy of the police report to them. They did n't ask for anything else. I get an email from them on my work email saying that they could n't honor my request because they needed additional information. I am going to submit it through here that way there is a paper trail. Experian is looking at a lawsuit. I am a victim of identity fraud and I have sent over the required information. I also have proof that was sent over to them and that the fax succeeded. I am attaching that snippet in my documentation. I am also sending over another copy of the approved police report that I sent, a copy of my dl, a copy of my electric bill as well. I anticipate this being finished by the end of the week or I will be filing a small claims lawsuit first thing next Monday morning. I am going to submit a complaint with the ftc as well so that my lawsuit is no surprise. I am over this and very tired of it. I expect to see this resolved no later than Friday. Please see documentation.
You continue and are persistent in maintaining erroneous reports and accounts. I have contacted original creditors that I settled accounts with, no contract exists and when an account or debt is settled it can not be sold or reported again. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$920.00} XXXX XXXX {$900.00} XXXX XXXX {$850.00} XXXX XXXX {$150.00} XXXX XXXX {$150.00} XXXX XXXX
We have a XXXX and XXXX mortgage with Ocwen. The ARM changed in XXXX. I c kept calling to find out the new rate, but was never told the amount would increase an additional {$410.00} which is an amount now applied to principal. My husband took a new job where we are paid on the XXXX. We have a SS check that hits on the XXXX of the month. 
I called Ocwen to have our second mortgage gate changed to the XXXX. of the month, but was told that, they could not change the due date of our XXXX mortgage ; I would have to get a new mortgage. 
Our XXXX mortgage has been late five months in a row. 
Late charges keep adding on. 
What recourse do I have? 
Ocwen refuses to help me by changing the due date to the XXXX on our XXXX mortgage, which is at almost 15 % interest rate and only {$22.00} is applied to principle. I got caught in the XXXX scam. Account # XXXX Please let me know if you can advise or help me. 
Many thanks, XXXX XXXX
Equifax is showing a debt from XXXX XXXX XXXX XXXX with a balance of {$270.00}, this debt is from 2009 and is past the statute of limitations. Seven Years
Navient makes the process to change your repayment plan online excessively complex and unclear. Navient forces you to take a questionnaire and then " recommended '' two repayment options. I know the option I want ( flat repayment ) and yet it was completely unavailable. The issue was resolved via calling into the company, but I believe this lack of clear online repayment options, especially the inability to select the lowest total cost option ( flat repayment ), unethical.
On XX/XX/2017, I executed a wire transfer deposit from my bank account at XXXX to Coinbase, Inc. in the amount of {$50000.00}. Coinbase states " Bank wires often arrive the same business day if sent before the cut off time for your bank, otherwise they will arrive the following business day. '' I still have n't received the money in the Coinbase account. 

After numerous attempts to engage their web-based support portal, all I got was a few automated or completely meaningless responses with no resolution in sight.
Hello Dear CFPB I applied Chase XXXX XXXX Credit Card and my application was denied and i think its very unfair and wrong decision .I got phone call from XXXX supervisor she told me i have too many cards open and i handled my credit too well and i do not see any negative information on your credit and thats why i will turn down this application. 
basically i was told to not handle my credit as well as i was handling and thus they will denied my credit card application. Also XXXX mentioned i am not utilizing my available credit which is not accurate because i just paid off my Chase XXXX Credit Card which was more then {$4000.00} balance. Please reevaluate my application and make fair decision. 

Thank you
I made a purchase on XXXX XXXX which involved a Money-Gram ( Walmart ) money transfer. after remitting the funds, the next day, I received an email from XXXX XXXX requesting additional funds for " Shipping Insurance ''. There was no mention of any insurance prior to purchase. I sent emails to both parties ( seller & XXXX ) requesting to cancel the transaction and refunding my funds. I receive no replies from either party. I have been SCAMED by someone posing as XXXX XXXX. How do I take legal action to retrieve my funds?
On XXXX XXXX, XXXX, I sent to, Hunt & Henriques, Attorneys in Law XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA. XXXX an offer to delete my debt and I never receive any response to my request.. I have the complaint # XXXX open with CFPB XXXX/XXXX/XXXX.
A few months ago, I recieved an email saying that a collections account had been removed from my credit. It was from XXXX XXXX XXXX and just recently I get another email saying I have a new collection from XXXX XXXX XXXX. Now, my credit score has dropped significantly because they added the collection onto my account after they had been removed over two months ago.
I have disputed this information with Equifax in which the results of their investigation is that the infomration is reported correctly. I disputed the information and asked that it be removed because the plantiff vacated and dismissed the judgement. I have a letter from the attorney with the proof that this judgement is not correct. How is that equifax investigated and did not know this information. This proves that Equifax has been bias with investigation and has not been investigating correctly. They are leaving a judgement on my file that is hurting my credit report and refuse to remove it even when it 's being vacated andl dismissed by the plantiff.
Already a victim of identity theft, Regions did n't make it any easier after all the Harsh Emotional Distress, Pain and Suffering Humiliation they put me through 1 Week of visiting 8 Regions Bank the last branch I visited XX/XX/XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I Opened 3 Bank Accounts ending in,XXXX,XXXX,XXXX Which was opened by a Branch Manager XXXX XXXX XXXX work tirelessly to open these accounts reached out to Fraud departments and operations manager 's ETC. Because I had been to several previous 7 other locations because no one would look deep into my situation to help me on XX/XX/XXXX My Bank Accounts were froze by region accounts screening for new accounts up into today me filing this report. Due to a system called XXXX XXXX so I got all information from XXXX XXXX and XXXX  XXXX my consumer reports filed from these companies stating everything was paid to XXXX $ balance and nothing fraudulent reported I emailed those documents to XXXX as he instructed me to. To have the holds and freezes release on my behalf and he did that indeed He reached out and emailed the documents to a XXXX who had placed the holds on my accounts for over week canceling my direct deposit had my money sitting in a limbo she fraud fought him on the issues ignored he request to remove holds and any freeze After she received verification that I do not owe money or had anything fraudulent reported I sat with XXXX for a hours 5 days a week up until XX/XX/XXXX I saw his frustration he could n't give a explanation on why regions was so harsh on me and did n't accept me as a law abiding citizen of the united states of America I could n't no longer endure the embarrassment from regions as I said on XX/XX/XXXX I told me XXXX XXXX to have my money released so I move on and close the accounts its obvious regions do n't want to accept me a client its harsh situation on their behalf he reached out again to a " XXXX '' The Annalyst Fraud Agent Responding within seconds she removed the holds and closed out my bank accounts.But did n't have the decently to respond to a regions Branch Manager after several messages and emails to remove the holds and freezes.To keep my bank accounts open which was approved by branch manager. It was like she took it upon herself to judge me and discriminate against me base on false accusations and inaccurate reported information.
Portfolio Recovery has called me ftom more than XXXX different phone numbers to collect an old debt. The debt originated XX/XX/XXXX and dropped off credit bureau reporting XX/XX/XXXX.
I 've been a member of USAA since 1990. Like millions of Americans, I was hit hard by the Great Recession. And was divorced, lost my job and forced to sell my much devalued home through short-sale ALL in the same year. Subsequently, I was forced to file for bankruptcy. Got back on my feet within two years but, USAA blocked access to their " full '' website immediately. For 3 1/2 years I have only been allowed access to my accounts through a minimized web page holding only cryptic information as an alternative. When I log into USAA, it actually closes immediately and transfers me to another page where you have to go through the entire procedure again. The " new '' web site that opens only offers minimal access. USAA also insures my car and when I had an accident a month ago, I could not see vital information pertaining to my claim. Their actions are clearly punitive. I kept my pre-bankruptcy bank accounts open ONLY to pay my insurance bill each month without much bother and do business through another bank. It is disturbing that I can not access information that is mine. Communicating with the adjuster has become nearly impossible as I can not download forms, photos or send emails that are allowed through the full web site. All things necessary to complete my damage claim. 
I have read online from other USAA members that this is a common practice for USAA that amounts to a " punishment '' for losing financial stability. Punishment on its members for causing the bank lose capital either through defaulted loans or credit card debt. 
An interesting side note. I also have an IRA brokerage account through USAA. Numerous times I have tried to place money in the IRA and been rejected. The full web site offers easy access for adding to IRA and similar investment accounts. The reduced web site access offers no avenue for increasing the amount in my IRA which has stayed at {$11.00} for 3 1/2 years. Seems USAA does n't want my investment dollars either!