WillisBack/dataset-financial-user-claim huggingface dataset:
1. Hospital visit XXXX XXXX. My employer provides health care at 100 %. My Health Insurance company is XXXX3. XXXX paid the medical billsXXXX. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for all.
To Whom It May Concern : On XX/XX/2018 my CapitalOne Venture card got charged an annual fee of {$59.00} for the next membership year. Seeing no benefit from keeping this type of card, on XX/XX/2018 I requested a downgrade to a no annual product -- the QuickSilver card. Despite the fact that the phone representative assured me the annual fee would be refunded within 5 to 7 business days, my card has not been credited as of now. On XX/XX/2018, I called customer service and both the front line representative and account specialist insisted that since the product conversion is essentially an upgrade, the fee will not be refunded. I would have cancelled the card to get rid of the annual fee if the representative had not stated the fee would be refunded with the product downgrade in the first place.

I consider this as CapitalOne 's bait-and-switch tactic to make me keep the card and collect the annual fee at the same time.
I tried unsuccessfully today ( XX/XX/2017 ) to have Equifax correct their data entry error regarding the incorrect spelling of my name on my credit report, and they refused, asking me to submit documentation as to who I am. I refused, because there is sufficient information for them to correct it without documents. This is causing consumers to not be able to access my report.
Selene Financial has submitted a false credit report regarding my account, and still refuses to send me any statement of my account. 
On XXXX XXXX, XXXX, XXXX sold my mortgage to Selene Finance. In the subsequent XXXX months, I have paid the mortgage by phone on the XXXX of each month. On XXXX XXXX, XXXX, Selene refused to take my payment until I signed their mortgage agreement. When the sale of my house became delayed for 60 days, I signed the loan papers and immediately paid the new mortgage amount. 
Each time I have called in my payment, I have asked for a statement of my account. I still have not received any statement of any type. Fortunately, I have been sent receipts for my payments. 
Last month, Selene submitted an entry to my credit report that I have made XXXX late payments on the account. This report is not only false, but the number of XXXX late payments seems somewhat arbitrary. This will be my second complaint with Selene since they took over my loan XX/XX/XXXX.
In my credit report from XXXX XXXX requested by XXXX XXXX, an incorrect creditor showed up with a debt in the amount of {$22000.00}, by XXXX XXXX. This debt does not belong to me. I want an investigation and the same be eliminated from my report.
On XXXX XXXX 2017 I opened an account with Coinbase and bought bitcoins through them. I bought {$120.00} in bitcoin and {$50.00} each of the other two coins, then about 3 days later I got an email saying they were shutting down my account and when I go to withdrawl my funds form the account its says I have XXXX money with them but they generated a transaction record saying otherwise. They money was also taken out of my bank account so I know they have it and it is not pending. I have sent them numerous messages and have called them and have been on hold for 2 days, they will not pick up or respond.
I opened a Trust account with Ally Bank of which I am the Trustee of my own Trust. Ally considers my Trust as the primary owner and will not allow me to, request on line statements only, but require that I receive hard copy paper statements. This was not disclosed to me at the time of opening. I have spoken to them numerous times via private secure mail on their web site and today I spoke to XXXX in the Trust department and then XXXX XXXX the Deposit Ops Supervisor and they refuse to allow me to only receive on line statements. This is a concern for me when mail could be stolen from my mailbox or the USPS deliver my mail to the wrong person, disclosing my account number and balance. My Trust is not a person and I should have a right to request my statements be available on line only.
My Complaint is with Select Portfolio Servicing , Inc. and Me. XXXX XXXX the Manager of the Ombusman Dept., I have been for ( 9 ) months sending documents to SPS to get a answer on if they will accept a buyers offer on the Condo, I 'm trying to Short sale for ( 9 ) months and can not get a answer XXXX XXXX said on XX/XX/XXXX that he would have an answer with in 24 to 48 hours it is now XX/XX/XXXX, XXXX, I have left message and I 'm always told he is in a meeting. 
I have received as of today a letter dated XX/XX/XXXX, requesting a profit and loss for ( 3 ) months they have almost a years of them, but I did send them. also asking again for Social Security awards letter I have given them one for the year, I have tried to explain that the XX/XX/XXXX awards letter will not be out until XX/XX/XXXX Taxes have been done and then I will get and give them XX/XX/XXXX, award letter!!!! ( the Soc Security comes goes auto into my bank, and SPS has all statements for ( 9 ) months ) which matches my XX/XX/XXXX award letter they have. 
the other documents is a PRE HUD that the title company has redone ( 4 times all different times ) goes back and forth takes weeks changes to lines XXXX, and XXXX,XXXX,XXXX, now on line XXXX they wanted to know what the exhibit is so the title company broke it down it is from the association dues, ( which do not have anything to do with the acceptance of the Buyers offer to purchase the condo, and to give me a answer if they will except the offer. 
SPS has told me to have line XXXX removed off the Pre Hud, the Title Company can not just take off lines??? 
I hope this answered your request for more documents, and now you can do the job of reviewing my Short sale request! 
There is one Document I have been asking for, as you know this property has a XXXX lien it is with XXXX, they need from SPS the approval letter this needs to be " the full payoff '' they need it for there Calculations, they also can only keep the file open for 30days. so I 'm asking again for this document, or XXXX XXXX can not complete the approval for the short sale. 
Thank you
This issue has never been addressed. Wells Fargo keeps adding in the two people that used my property. This is between me and Wells Fargo. 

I used my personal promissory notes to pay off two peoples home loans. 
One in the amount of {$60000.00} the other for {$25000.00}. 
Wells Fargo kept both payoffs and required one person to keep paying and sold auctioned off the other even tho the loan payoff was sent overnight. 

Wells Fargo stole from me when it refused to return my loan payoffs when the two people were not given their homes free and clear. This is the reason I filed the complaint and not the other two people. It was my promissory notes that Wells Fargo kept for itself not theirs. 

I have the letter from Wells Fargo that proves Wells Fargo received both promissory notes which has been sent to the CFPB Ombudsman. I welcome investigation. 

CFPB treatment of my promissory notes in this manner is violation of Article 75, Bills of Exchange and Promissory Note Act and accusing my promissory notes are fraudulent is slander. 
CFPB please ask Wells Fargo why it kept my promissory notes when the loans were not paid off. 

CFPB if Wells Fargo tells you it does n't accept promissory notes ask why does Wells Fargo 's own website have the definitions of what a promissory note is and why does Wells Fargo require a promissory for every loan it makes. 

CFPB please ask Wells Fargo why it 's own advisors wrote a {$440000.00} promissory note if promissory notes are worthless. 

CFPB the asset that backs my promissory notes is my promise of monthly payment and the promissory note itself. My promissory note is freely transferable same as the one Wells Fargo advisers wrote. 

CFPB investigate this matter thoroughly as Congress gave you the authority to directly handle individual consumer complaints.. Due to the nature of this complaint I have notified members of Congress and the Senate. 

CFPB require Wells Fargo to publish its response to this complaint in your public forum no private messaging or post mail of any kind.
I have gone to the Citibank in XXXX California and was told verbally my master card checking account was closed completely, online and all of the account, have not hot anything in writing to assure me. I need to know all is closed. Thank you. 
Citibank headquarters XXXX XXXX XXXX. XXXX XXXX, NY XXXX Website : XXXX XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
I bought XXXX {$500.00} gift cards at XXXX, XXXX, CA on XXXX XXXX, 2016 for my friend as wedding gift. But when I open it I noticed that the cards looked weird. so I tried to use XXXX of them at gas station. It was not reading. Then I tried all three of them at XXXX for test, it turned out none of them working. I called customer service right away, the rep asked me to make a copy and fax to them. I do not feel comfortable, so yesterday, XXXX XXXX, 2016, when I checked balances, all of them are less than {$1.00}. All my XXXX cards are hacked. I lost {$1500.00}. when I XXXX USbank gift card hacked, I was shocked that tons of people reported. I am confident that either US bank are selling fake gift cards at XXXX 's ( I XXXX I am not the only XXXX, there are tons of victims ) or the employee in US banks selling informations to hackers. I want all my money back including fees ( {$1500.00} ).
I applied for a loan, I was told that I would get a 7.5 % interest refinance loan after all me person information was submitted at the last min. I was told that they could only do a 11.5 % interest Loan, The appraisal price was inflated, Loan to income ratio was ignored. I was told to discontinue my current loan payments because it would throw off the numbersand Other predatory practices
So this has been going on for year, with multiple debt companies all in the greater  XXXX , GA area, so I believe that these companies are all connected.     This is for a very old debt that I had taken out and paid back. The original debt was to  XXXX   XXXX   XXXX   XXXX   XXXX   which multiple federal agencies including the DOJ has sued for defrauding customers. Now this debt has been and keeps getting sold from debt collector to debt collector. I have asked multiple times for verification of the debt and a full accounting showing all payments made. I have never received anything I have asked.   I have asked in writing that they no longer call me and sent multiple cease and desist letters. They go away for years at a time only to resurface using a different collection agency name.     The most recent is Company name Chaplain Financial Services LLC,  XXXX   XXXX   XXXX ,  XXXX , GA,  XXXX  Phone :  XXXX .     In todays call  XXXX / XXXX / XXXX  they did multiple things.    1. C alled using a spoofed caller id. Todays caller id was  XXXX , returning calls to that number says that the number is not in service. I believe this is be a violation of the Truth In Caller ID Act of  XXXX  and FCC regulations. Additionally I believe that this violates deceptive practices under the FDCPA.     2. Their call was a robo-call made to my cell phone. They have been notified multiple times that this is my cell phone. I believe this to be a willful violation of the TCPA.
3. It was stated in the Robo-Call and in the subsequent phone conversation that I had with a gentleman there ( who hung up on me when I informed him he was in violation of the FDCPA ) that they are sending this to a process server today so that I can be served with a summons. They have not filed suit against me, nor do they plan to. I believe this to be another violation of the FDCPA.
All of this from a 3min 5sec phone   call.
Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract. The contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services.
Trying to collect on a old judgment from 14 years ago and have had no contact with me until XXXX XXXX sent me court papers with no court stamp or anything on it and said that they were garnishing my wages for a old judgment from XXXX in Wisconsin that I do n't remember I moved to South Dakota in XXXX and was not contacted until the XXXX of XXXX XXXX about this. 
The original amount was XXXX something according to the clerk of courts in XXXX Wisconsin and they got a judgment for XXXX I was not in Wisconsin I was in South Dakota I left them the collateral In there parking lot and they have added interest of XXXX to the amount so now it is XXXX. I asked for a copy of the file and the lady XXXX XXXX told me no I could not have as it was over XXXX pages. 
They have not sent XXXX letter to me In the past 14 years and they could have gotten my address and such right off the internet I XXXX myself and I found me and it is on file at the XXXX XXXX Courthouse And has been for years. 
These papers they sent are not legal were never filed in court yet they charged me XXXX for filing in court for garnishment there is not XXXX XXXX stamp on them and they were sent from an address in XXXX Wisconsin not from the court house but no heading on it just the address. 
XXXX tactic is what this was my address and such has been in the XXXX XXXX XXXX house for years they said they could not find me yet they say I was served with the judgment papers which would have had my address on them that was returned to them and I did do a complaint with the FTC also. 
Wait 14 years then add interest to the loan seems like a down right scam to me they could have found me they did now after 14 years not sure how they did that either. 
I have had numerous loans in South Dakota and not once has this debt showed up on my credit report if it had it would have been paid. 
XXXX XXXX told me it was undocketed so they never sent it to a credit reporting agency. I have her phone recording I record all of my phone calls. 
Wisconsin XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Thank you
I co-signed a student loan for $ XXXX for my daughter that originated from XXXX and subsequently sold to Discover ( we never received any notice of this takeover ). 
After the takeover neither my daughter nor myself received any statements about loan payments due ; then earlier this year Discover started sending notices the loan was 6 months past due and also started the negative reporting to the credit bureaus ( XXXX, XXXX, etc. ). Due to the ineptness of Discover my credit numbers have taken a nosedive by approximately XXXX points. Is the penalty against Discover cover anything about restoring my credit numbers? If so how much time are they allowed to get it corrected? If there is no provision about credit rating restoration why not? Thank you.
I am daily receiving phone calls from Portfolio Recovery. No messages are ever left. When I block their number they call back from a different number from a different state.
I am contacting you a second time because I do not think my problem was addressed right.I told the bank about my problem but they seem to be stuck on one issue.The company was to send me a release form and never did.They obviously did this on purpose as to extend more time.I never used this merchant in any way shape or form.The company I was dealing with was XXXX XXXX, not XXXX XXXX.XXXX XXXX must be involved with XXXX XXXX as they used their merchant account.There not going to send a release to sign.Neither one of these companies have rendered any kind of service whatsoever.XXXX at XXXX XXXXd says they can not take the money back from the merchant because of the time that has lapsed.I have been defrauded out of money on all my cards and learned a lot.I know they can go back as far as 538 days.If XXXX XXXX was legit, why would XXXX XXXX pay me back.These companies are using merchant accounts to defraud the elderly.The fair thing to do would be return my money.I would like to know what XXXX XXXX told XXXX XXXX.
I 've made almost {$11000.00} in payments since consolidating my loans in XX/XX/XXXX, but my principal balance has n't been reduced. Mysteriously, all of my monthly payments were applied to interest over the last 17 months until last month, when just {$35.00} was applied to principal. <P/>My payment amount has remained the same ; my interest rate has remained the same. Nothing has changed since I began repayments on my loan in XX/XX/XXXX, except having consolidated my loans in XX/XX/XXXX. <P/>I 've gotten no response from Great Lakes Higher Education Corp. in Wisconsin, my student loan servicer, as to why no portion of my payments reduced the principal balance of my loan. I have an extended graduated repayment plan, but a simple amortization schedule calculation indicates my monthly interest payment should have been at most {$30.00} less than my monthly payment amount. This means the servicer has failed to apply principal portions of my payment for all but the last month 's payment. I calculate just more than {$580.00} in principal that has been applied instead to interest, just on my consolidated loan.
On XX/XX/2015 a credit card account with XXXX XXXX XXXX was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with XXXX or XXXX XXXX doing business for XXXX. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with XXXX or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/XXXX and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via XXXX in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach XXXX and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for XXXX and have reached no resolve. In addition, XXXX will only give information after providing the email address on file to which I do not have an email on file with XXXX. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at XXXX to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

XXXX Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This complaint is about BOTH communication tactics and attempting to collect a debt that I do not owe. 

XXXX XXXX - " In order to resolve your complaint, we will need additional information to locate and investigate the issue. Specifically, we need to know the account number or telephone number at which you received our calls. " Case number : XXXX RESPONSE : My name is XXXX XXXX XXXX and that is all the information I 'm willing to give to a company that I have never heard of and that is reporting on my credit report. The phone numbers in the attached letters have been used to protect my actual phone number since I do not know who you are and why you have my information in the first place. 

If you do not have my name in your system then I would strong urge you to consider making a request to have this trade line from your company deleted. If you do have my name in your system you should not have any problem providing a complete package of validation for me including documents with my signature on them for the alleged debt. 

I have attached a screenshot from my credit file. If you do not comply I will file a lawsuit in California for violations of the FCRA and FDCPA and you will be responsible for attorney fees, statutory damages, and my recent actual damages that have been incurred when I tried to apply for a mortgage. My banker has prepared a letter that will be used in court if needed to show that XXXX XXXX is the sole cause of why I have been denied for a {$780000.00} mortgage. 

Delete the trade line immediately and stop calling my boss and stop calling me on my cellular phone.
Submitted a " dispute request '' on XX/XX/2018 concerning Phoenix Financial Service, LLC.

Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations. 3 ) Please remove this creditor for incorrect balance amount account. 

On XX/XX/2018 received email update concerning dispute result. 
Phoenix Financial Service remains on my credit report.
I have now tried several times to deposit checks from a checking account which has already been saved ( though not yet used ) from another account in my Bank of America account. They said that the account is verified ( evidenced through my Pay From Account page on Mobile Banking ), and yet the remove each and every check that I have tried to deposit. These checks have already been saved. I have written express and demanding letters to Bank of America financial centers in XXXX, OH, in XXXX, FL, and in XXXX, DE. I have not yet received adequate compensation and it is now well over a month, and Bank of America is in significant arrears to me. Their customer service is frustrating me to an endless degree.