WillisBack/dataset-financial-user-claim huggingface dataset:
I am resubmitting the complaint on my wifes behalf since Medical Data Systems continues to make false statement in the response to CFPB. When I contacted MDS on XX/XX/XXXX to obtain the information I need as per my previous complaint, I was told by a supervisor ( XXXX ) that I need to contact Insurance ( XXXX  ) and ask them to send written notification to MDS that they will waive the submission requirements and process the claim. Only then as per XXXX MDS will provide the information and/or will submit the claim for processing. Which indicates that MDS has all the information and willfully is not providing the information. This is obvious tactic by MDS to ensure the claim is not processed. I conferenced XXXX ( XXXX ) with MDS ( XXXX ) 2 weeks ago and XXXX has confirmed that I had insurance during the date ( XX/XX/XXXX - XX/XX/XXXX ) and they are willing to process the claim provided they get all the information. MDS has recorded conversation with XXXX. 
I mentioned this to XXXX, but she was not willing to provide the information I need unless she gets written notification from XXXX as noted above. MDS should review the recording I request CFPB to interject and advise MDS to remove derogatory remark from My wifes credit report and provide all required information immediately
IN REGARDS TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX THEY ARE CONTINUING TO REPORT TWO FRAUDULENT ACCOUNTS I KNOW NOTHIG ABOUTON MY CREDIT REPORT AND HAVE NEVER HEARD OF THESE COMPANY BEFORE AND HAVE NEVER RECEIVED ANY CORRESPONDENCE THEM. HOW AND WHAT THE DEBT IS FOR AND WHAT PROOF THEY HAVE THAT IM CORRECT PERSON THEIR LOOKING FOR? THESE ACCOUNTS WHERE OPENED I ASSURE YOU DUE TO ME BEING A VICTIM OF IDENITY THEFT AND EQUIFAX HAS YET TO NOT DONE A PROPER INVESTIGATION TO EVEN SEE THAT THESE ARE NOT EVEN MY ACCOUNTS AND DONT BELONG TO ME. I HAVE NEVER HEARD OR HAD A XXXX XXXX XXXX ACCOUNT.
Chase Mortgage has refused my request for mortgage assistance. I have repeatedly requested a modification. Since Chase received a bailout, Chase promised to help consumers stay in their home. Chase has a pattern of not granting modifications to XXXX residents. 
Now that I am back working, I can afford my mortgage payments. Chase is trying to force me to sell. This is unlawful and needs to be investigated.
MarkOne Financial company continues to report inaccurate information on my credit report. They are reporting a repossession but after several attempts MarkOne Financial have failed to show me any written documentation of a signed agreement/contract with my signature, right to collect in my state, and documentation of balances and how they were calculated. I have been a victim of fraud and have expressed this to them several times in writing and they are still refusing to remove this inaccurate account from my credit report. This is my last step before I have to move forward with litigation.
I didnt open up or take out a loan in 2018. The year and dates are wrong this account is more than 5 yrs  old and I didnt borrow {$750.00}.
I had a lease wi th Toyota Financial Services.    My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid t o Toyota Financial S ervices Since  insurance company did n't pay in full initially, Toyota Financial Services p ut a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with TFS and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.
XXXX is currently a complaint that I have opened and I am appalled that I have gotten 2 wrong extension numbers and they actually left them on my voicemail and of course when I tried to call them they were both wrong!! What is going on I want my complaint responded to as you can see this was supposedly taken care of back in XX/XX/2016 and look I am here again with the same issue because Bank Of America didnt do there job removing inaccurate info on me. I really would like them to be notified about the problem and have some one call me with a valid extension number. I will be holding on to the voicemail with the wrong extensions in them to call back in case they say they tried to get a hold of me and couldn't. XXXX
Afni collection for XXXX. I did not open an account last year. Someone used my name.
XXXX. On XXXX/XXXX/XXXX I received a Motion for Default to XXXX XXXX. On XXXX/XXXX/XXXX I filed a Motion to Deny/Set Aside Default within 20 days. 
XXXX. On XXXX/XXXX/XXXX I received from attorney a Memorandum with Return of Service from XXXX XXXX XXXX time ever seen this document ), the Motion for Default and the Affidavit for Non-Military Service. This documents states that papers were sent to XXXX address, when in fact they were sent to XXXX address ( envelop say XXXX thing while but actual documents differ as far as the addresses ). 
XXXX. On XXXX XXXX, while attempting to buy a car and got denied, I saw my credit report and noticed the Default Final Judgment on XXXX/XXXX/XXXX had been granted. Up to this point attorney has not send me notification of such Judgment, especially since I put a Motion to Deny/Set Aside the Motion to Default 3 weeks before. 
XXXX. On XXXX/XXXX/XXXX I filed a Motion to Vacate Final Judgment. 
XXXX. One week later XXXX/XXXX/XXXX the attorney finally sends me a copy of the Default Final Judgment when he received my Motion to Vacate the Default Final Judgment. Apparently this case went to trial on XXXX/XXXX/XXXX behind my back, never having gotten served or gotten a subpoena. I was never notified to defend myself as it is legal and proper. In addition, a Judgment was placed to my homestead property, which is illegal in Florida. This tactics to sheet people out of the little we have should not be tolerated in any setting. 
XXXX. On XXXX/XXXX/XXXX attorney did not show up to court in reference to my Motion to Vacate Judgment, apparently address was wrong. 
XXXX. XXXX hearing was set for XXXX/XXXX/XXXX attorney did not show up again and the Judge Agreed to Grant me the Order to Vacate Final Judgment, thus ruling in my favor. Judge was to set a new trial date for XXXX/XXXX/XXXX. 
XXXX. On XXXX/XXXX/XXXX Attorney sent Requests for Production, Admissions and First Set of Interrogatories to the XXXX address. 
XXXX. On XXXX/XXXX/XXXX I requested that the attorney send me Validation of Debt in order for me to be verify if the debt belongs to me and be able to fill out his Requests from item # XXXX above completely. My letter specified that the next communication the attorney have with me, is to provide me with validation of debt. 
XXXX. On XXXX/XXXX/XXXX I received again the same package from item # XXXX to the XXXX address but the Notice of mailing states that it was sent to the XXXX address. The attorney completely disregarded again my request for validation of Debt. 
XXXX. So on XXXX/XXXX/XXXX I requested yet again, for Validation of DebtXXXX. As of today XXXX/XXXX/XXXX I still have not received Validation of Debt from the law office of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX. 
Although I receive mail to XXXX addresses, this law firm 's paperwork are conflicting from what the envelops state. They never served me and completely went behind my back in a sneaky way to file a judgment against my homestead property. They failed to notify me of the events that occurred in a timely, professional, ethical and illegal fashion. They also fail to verify the debt as belonging to me after multiple attempts on my behalf.
CACH LLC is still reporting negativity on my credit reports. I 've disputed it with all bureaus but the bureaus verified it as a valid account. The account was paid as a paid for delete ... the company agreed to remove the account from my file when we paid it ... I need them to adhere to the agreement as it is damaging my credit. Plus insurance was supposed to pay for the claim so I 'm being dinged multiple times ... please remove it from my file ...
Experian continues to damage by reporting an unverifiable & possible fraudulent acct. They just completed another investigation on my credit & I 'm truly confused how they 're verifying the following information ... XXXX is reporting on my credit. I 've sent over 5 letters to Experian requesting how they verified the information as I 've contacted the company twice & have received nothing from them. Additionally, I have no signed contract or agreement so I 'm curious as to how they 've verified the account. I 'm attaching all the correspondence which I sent to all parties. It has now been over 9 months since I first started disputing this account. It 's time that they do their job & remove it for lack of any verifiable proof. Lastly, I believe the company is trying to collect on an account which was already paid or covered by insurance but they did n't file the proper documents to get paid so they thought damaging my credit would get them paid. I have no records of this company nor do I think any exist. And since I 've never signed an agreement with them I believe it 's a fraudulent claim & could do n't be verified. I need it removed at once or I will be seeking a legal remedy.
On XXXX XX/XX/XXXX, I initiated an online money transfer of {$1.00} from my Bank of America checking account to a friends XXXX XXXX  account using XXXX and recipient using XXXX Quick pay. This transaction was as a refund of the money which the XXXX XXXX holder had loaned me for rent two weeks earlier ( also sent using the same online banking service ). The XXXX XXXX    holder had gone into a XXXX branch in late XX/XX/XXXX, where a bank official registered his email and phone number on the XXXX Quick Pay. 

After I made the payment, the XXXX XXXX  holder did not receive his money. I went into a XXXX XXXX to make a complaint and I was informed that it would take up to 5 days because it was my first time making a transfer to him. Five days passed, and the intended receiver went to make a complaint at his bank. There, he was informed that his phone number was unable to pair to his account because it was already in use by another XXXX XXXX account holder. Hence, the amount of {$1000.00} intended for him was deposited to a stranger who already has his current phone number registered. He was also informed that he could do nothing about it, and that only I, the sender could file a claim through my bank ( Bank of America ). I am a single mom, and soldier, who certainly can't enrich the life of a stranger who erroneously received money intended for someone else, or XXXX XXXX. We can only assume the stranger received it because neither of the banks disclosed the status of the funds. 

I initiated a claim through Bank of America ( Claim # XXXX ) on XXXX XXXX, XXXX. I have attached a copy of the result of the claim which states I should contact the other party directly for further assistance. I and the intended receiver have contacted XXXXXXXX XXXX and XXXX multiple times but they keep evading us with privacy laws. XXXX states that they can do nothing about it due to some fineprint which was never issued to either of us when we registered for the online banking service. 

XXXX is doing nothing to help the situation. In the first place, XXXX XXXX  was part of the problem cause they helped the customer register on the Quick pay, and did not inform him after his phone number was not paired to his account. Bank of America in turn has reached out to XXXX twice and got nothing. The money is in XXXX, if XXXX can not get it out, then they should be held liable. Bank of America asked me to file a police report, which I did and nothing came out of it. The police couldn't understand why they should get involved in this when the banks should get it resolved. Also, some bank officials were also surprised at the unresolved situation, while others told me it happens but it is uncommon. 

Bank officials encourage customers to use the XXXX online banking app, and do not educate customers of the risk. There is also no visible agreement or fine-print available at sign up. If the customer is liable for errors, won't we all walk into the bank for funds transfer or use the regular online banking the requires account number and routing numbers? 

I hope that this can be resolved as soon as possible through your office. Thanks for your time.
Dear CFPB, I have an unresolved complaint with Chase that has been going on for over six months. Back in XXXX, Chase applied a mortgage payment to principle, without my permission. I have called dozens of times, faxed, emailed, and filed a complaint with CFPB. Chase has since charged me {$400.00} in late fees and says I owe them money for a mortgage payment that is short but this is not true and fraudulent. They took my payment and applied to principle. Despite my complaint, Chase has still not resolved the issue. Today, I am trying to make my mortgage payment by phone but Chase will not take it unless I pay them " the full amount withstanding '' which is the amount of the principle payment applied in XXXX. I made the payment using my bank today XXXX XXXX but it will not arrive by XXXX XXXX. I notified XXXX XXXX, the rep on this issue with Chase by phone about this predicament. I do n't want additional late fees and I should n't be charged anything more than my mortgage payment. This is formal complaint that Chase has billing practices that are abusive. This also serves as a record that today, using my XXXX XXXX XXXX of account I sent {$2200.00} for my XXXX mortgage and sent {$650.00} for XXXX payment. Chase sent me a letter in XXXX that I had {$650.00} in escrow so that is why I paid that mortgage payment that way.
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
ON XX/XX/XXXX at XXXX I contacted Capital One in regards to a balance if {$470.00} reporting on my XXXX , XXXX , and XXXX credit files, but my balance is {$350.00}. I spoke with a Representative Name : XXXX employee #  XXXX who stated I have to wait 30 days after I put my request in writing. I explained to her this is in accurate balance and its a violation of the FCRA to not update correct information referring to my account information. Also when I opened my Capital one Acct XX/XX/XXXX I was told after 5 months of on time payments I will get a credit increase. that did not happen I didn't get an increase until XX/XX/XXXX. I feel this company fail to be in compliance of what they write in fine print.
I received a letter dated XX/XX/XXXX  from The Receivable Management Services Corporation indicating that   XXXX   XXXX   XXXX   had placed a request for payment of {$200.00}. They asked that I submit payment to Receivable Management Services Corporation at   XXXX   XXXX   XXXX  ,  XXXX , OH  XXXX . The letter stated that " When you provide a check as payment, you authorize us to either use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. For inquiries, please call the number at the top of this notice. '' The number listed was   XXXX  . They also indicated that I could pay by phone at   XXXX   or go to http : //www.rmsna.com/payrms : user id =  XXXX  & password =  XXXX . The letter indicated that the claim number was  XXXX  and the reference number was  XXXX . An attachment to the letter indicated that the detail number was  XXXX - and the service date was  XX/XX/XXXX . the letter is attached.
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In the summer of  XXXX , I booked a flight to   XXXX   XXXX    through  XXXX . I purchased travel insurance in case I was not able to go on the flight. I was not able to go. I understood from   XXXX   that the ticket could be reused within the year for a domestic flight provided the differential was paid between the two flights. Later that year, I went to   XXXX   XXXX  . The difference in cost was {$37.00} which was paid. I have received three phone calls from people who identify themselves alternately as  XXXX  or Receivable Management Services Corporation (  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX  ; all in  XXXX  ). Twice the call came from   XXXX   XXXX   XXXX   XXXX   ; once the call came from   XXXX   XXXX   XXXX   XXXX  . The speaker on all of the calls sounded like he was   XXXX   or  XXXX . I eventually hung up on the calls.
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I did not believe that I owed  XXXX  {$200.00}, but I called them to confirm. They sent me an email confirming that I do not owe {$200.00}. The people with whom I spoke sounded like they were at a call center, but I was supposedly speaking with a supervisor. The email is attached.
I was the victim of identity theft on XXXX XXXX, XXXX when someone used my personal information to purchase devices and services from XXXX XXXX online. Since I am not a XXXX customer and never received any bill in the mail I did n't find out about the fraudulent charges until it appeared on my credit report a year later. As soon as I found out, I contacted XXXX Fraud, filed a police report, and submitted the necessary paperwork to the tree credit bureaus. On XXXX XXXX, XXXX XXXX Fraud sent me an email stating that after their investigation they determined that I am not liable for the fraudulent charges. However, two weeks later I started receiving phone calls and a letter in the mail from XXXX XXXX, a collection agency form XXXX, TX. When I talked to them on the phone and explained that the case had been closed, they said that XXXX had just submitted the claim for collection on XXXX XXXX, XXXX, which obviously makes no sense. So, it appears that XXXX is trying to make money by illegally pursuing a non-existent claim. They also added a " collection fee '' of {$150.00}!
receiptI wen t to Conns and w as approved to purchase a computer from there on credit. I accepted the terms of the agreement and also purchased insurance to protect the computer. After having it for about 6 months to a year ( give or take ) I started having issues with the computer and remembered I had purchased insurance on it for the length of the contract. I brought it to the store in  XXXX  Texas and drop it off for repairs. I spoke with and handed it to my salesman  XXXX   XXXX . I receive a receipt and wa told they would call me once it was repaired. Nearly a month went by and I called and asked was the computer ready, I was told they would have to call me back and advise as they would need to call to check the status as electronics had to be shipped out. I did not receive a call so I went to the store the next day to make my payment and ask again. They were still unable to give me an answer. I advised them at this time that I would NOT make the payment on an item I did not have due to them loosing it. I spoke with my saleman aga in (   XXXX    XXXX    ) a nd he said he would do everything he could to get this take care of. I called their corporate office in  XXXX  to advise of the issues and was told they to would reach out to me once it was resolved but still to date I have not been contacted. Also, I am unsure as to why this is still reporting to my credit file due to the age of which the first " late payment '' was in reality verses what they show.
Second complaint to the CFPB about this issue : 1. I was thrown out of a hotel in XXXX in late XX/XX/2018 after I had a XXXX XXXX due to XXXX. 

2. I booked the hotel in the spring of XX/XX/2018, and had a {$100.00} coupon applied retroactively to the cost of the hotel - which is the XX/XX/2018 {$100.00} credit on my AmEx account. This {$100.00} credit is NOT a refund for dissatisfaction from the XX/XX/2018 incident that occurred at the hotel, per AmEx 's most recent response. 

3. I've filed this dispute several times, each time providing lengthy and detailed information and documentation of the charges, refunds, what occurred at the hotel. and each time I've been told by AmEx customer service representatives that what occurred at the hotel was not right, I should not have been thrown out, that the information I provided would be reviewed in detail and a response would be needed from the merchant beyond receipt and booking information. However, each time the dispute has been closed by AmEx, they provide me the same receipt and booking information from XXXX, and even provided me information from the hotel that stated I assaulted someone with a hotel key card - which I did not and I don't know how you'd assault anyone with a hotel room key card. 

4. I'm done going around and around with AmEx and explaining in great detail what occurred, to only have my disputes closed with incorrect information and receipts from the merchant. Yes, I booked the hotel room. Yes, I received a {$100.00} credit for a coupon. Yes, the charge amount I'm seeking off my account is {$170.00} not {$270.00}. However, I was thrown out of the hotel before XXXX  due to an XXXX XXXX and I am not paying for the hotel room charge as I was not able to use the service I paid for - which is a night stay in a hotel. 

5. AmEx simply 'went through the motions ' on their last response. They provided no detail and only outlined what occured with the past disputes in their last response to the CFPB. I'm done with the non-sense.
This company Evans Law associates continues calling me and multiple family members and work places about a very old debt that has been worked out. I do not know where they are getting these numbers but it is interrupting businesses and people who have nothing to do with it. They are telling family members about it which is illegal.
I spoke to my bank, PNC, regarding withdrawals from a lender who was to have no further access to my checking account. I was told that the impending payment would be reversed due to a stop payment request and the payment returned. However, I noticed on Saturday, XX/XX/2018, that the payment was taken back out of the account. One of the charges was disputed but it was also returned to the lender. This lender has been incorrectly stating the remaining amount of the loan and has breached the contract. I made my bank aware that this lender is to no longer to have access to my account but it seems my bank has disregarded me as a customer.
I sent in disputes regarding inaccurate account information almost two or three weeks ago, and did n't receive a response regarding inquiries or accounts that were removed from my credit report. I called Equifax and I was told that they were n't going to remove the inquiries that were n't authorized. I did n't receive any notification regarding the accounts that were disputed either.