WillisBack/dataset-financial-user-claim huggingface dataset:
I went to the hospital before I joined the XXXX, I could not afford to pay the bill. I enlisted in the XXXX and was contacted by XXXX XXXX XXXX for the hospital bill, I paid this collection company the entire amount {$1000.00}. I discovered that another collection company First Source Advantage is collecting the same debt. I have contacted them and they said it is a different bill for a different collection. I disputed with XXXX and they said I did not pay this debt. 
I did some research and found that the hospital I went to XXXX XXXX XXXX was purchased the same month my debt went into collection by the TN XXXX XXXX XXXX which was XXXX 2013. I paid the collection from the TN regional health system but the collection from XXXX XXXX XXXX which is First Source Advantage will not accept this explanation and says they are XXXX different hospitals. I look online today and they have the same address, phone and website for TN XXXX XXXX XXXX. 
Please help me get the collection removed from my report. Please let me know if you need any other information..
I called TransUnion I was victim of there Inquiry Issue and customer service would not take care of it. 

XXXXXXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX  XXXX   XXXX XXXX  XXXX
We had a tornado damage our house on XXXX XXXX, 2016. Our insurance company sent us a check within a few days. The check was made out to us and the mortgage company, PennyMac. We signed the check and forwarded it to PennyMac. We have had numerous contacts with PennyMac and are still trying to get the money to pay for materials and the labor needed to do the repairs. They told us my husband could act as a general contractor and not have to worry about the XXXX and all the other paperwork. We sent in paperwork saying he would be paying all the bills and there would be no liens or any other attachments on the property. Now they say that wo n't work and the work had to be started before that would be acceptable. We ca n't begin the work because they wo n't give us the money to finish paying for the materials. I have n't even ordered the new door because we are having so much trouble getting the money to pay the bills.
Regions Bank of XXXX, GA has allowed my estranged husband access to my personal checking account without my authorization. They provided a receipt to him with after he made a deposit to that account. I have requested that NO ONE be allowed to access my account in ANY WAY without my authorization and was refused this, the bank stating anyone can deposit money into my account if they provide an account number. He does have the account number as I was required by law to provide it to him, but it was not to be used by him at any time. This was also discussed in a legal negotiation in which he was told this was n't permitted.
After repeated attempts at asking them to please stop calling me, my employer, my family and close friends, AmEx has continued making harassing phone calls. I am seeking legal action as there have been various FTC breaches with this company.
OnXX/XX/XXXX I contacted my lender, Freedom Mortgage to request that my PMI be removed from my loan since my mortgage balance had dropped below the required 80 %. The original loan amount was {$210000.00} and the balance owed as of XX/XX/XXXX statement was {$160000.00}. I was asked to fax a letter to the lender requesting my PMI be removed. I was told that I would receive instructions on what to do in a few weeks. As of XX/XX/XXXX I had received nothing from the lender so I called. After 3 attempts with different staff I was told that my fax was n't received. I have a fax received confirmation. I was asked to email my request so I did on the same day. Today I received a call from the lender and was told that I had to order an appraisal and pay for that myself. I told them that since my balance owed had dropped below the 80 % the PMI should be removed automatically. She also told me that since I was making accelerated payments this posed a potential issue, I did n't understand this statement. My minimum payment is {$1500.00} and I have been paying {$2500.00} to pay off the loan faster.I was put on a long hold and the staff came back on the line and said she was trying to reach a manager. I asked her to please call me back since I did n't feel me waiting for over 20 minutes was fair. I have heard nothing since the then. 

I have attached a copy of my XX/XX/XXXX loan statement and copies of my fax request, fax receipt confirmation, Email request and email receipt confirmation.
XXXX XXXX 2017, Wednesday XXXX XXXX emailed XXXX with questions RE : questions about requirements, qualification ratios and Conditional Credit Approval Letter ; X/X/2017, XXXX XXXX voicemail to XXXX RE :  questions about requirements, qualification ratios and Conditional Credit Approval Letter X/XX/2017 CONFIRMED BY PHONE ( XXXX XXXX ) ... XXXX STILL WORKS THERE. as of today XXXX XXXX 2017, Monday, XXXX XXXX she has not responded ALL my questions. X/X/2017 XXXX XXXX XXXX confirmed the approval is contingent on my selling my existing home but has not answered my other questions, in particular, I want to know why I have to sell my existing home before I can get approved for a new loan AND why my existing home ( that has no mortgage obligation ) has to be sold at a price such that the net proceeds equal an amount specified by them
XXXX XXXX XXXX did not correctly validate and verify the information on my report. HEPA laws prevent this company from excessing my medical information. Please provide the information that caused you to report this information on my credit report according to the ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter.
XXXX XXXX XXXX and XXXX XXXX are continuing place this derogatory information on my credit report. This account was paid by my insurance company.
Again I have received another noticed dated XX/XX/2016 stating that I am still delinquent and the owner of a loan for a house that was foreclosed on. I originally filed a complaint and shellpoint acknowledge this was being taken care of XXXX ( see below ) that this is being corrected and it is an error and should not be in my name and again I have received a bill saying I am delinquent on a home I do n't own anymore. It is showing on my credit as another delinquency and I want this corrected and I want this out of my name or I will see an attorney. This is my third time asking to remove this loan from my name and XXXX has still not taken care of this due to I have a brand new bill again for a house that was purchased by someone else and in someone elses name. This needs to be removed asap or I will seek legal counseling. ( see shellpoint acknowledgement below that this should not be in my name and will be removed. 

Shellpoint Mortgage Servicing said : Explanation of closure Shellpoint acknowledges your concerns with regard to the foreclosure sale of the subject property. After careful review of the loan, we concluded that the foreclosure sale was conducted by the prior servicer of the loan ( XXXX ), and we are updating our records accordingly. Additionally, the billing statement that you received from Shellpoint was inadvertently sent, and we apologize for any confusion or inconvenience that this matter may have caused.
I live in the state of VA and was unexpectedly hit with personal property taxes and only had 3 weeks to pay by the time I received the notice by mail. I was not prepared for this as I have not lived here in over 10 years. In order to resolve that issue some bills where not paid on time .. which would include the credit card for which I have the complaint with. My account is up to date and even though my payment was late it was not 30-60 days past due which is what they reported on my credit which had a very significant impact and I am currently trying to improve my credit in order to be able to buy a home. When I called them to discuss this and requested that they show me a courtesy of removing the delinquency from my credit as my account was paid and is up to date and this was the only instance for which I was late, as I always pay before my due date. I was told that they can not remove the delinquency from my report as they have no way of reversing the report they submit to the credit bureaus. I informed them that I have spoke with the credit bureaus and know that they can electronically respond to my dispute I made with them the previous day and the credit bureau stated once they receive that response it will up date immediately so if I need it removed soon to contact the company directly. So again the agent continues to repeat annoyingly over and over we can not change what we submitted unless we made the error. They proceeded to tell me if I had a dispute I would have to file it with them personally in writing and mail it to their dispute center and wait for them to review and make a decision which will take 30-60 days maybe up to 90 days. I kept explaining that their negative report affected me within a minute of them reporting it and can just as easily reverse it, if they would be willing to extend me that courtesy, however, they would not. I asked for another supervisor as the one I was talking to kept talking over me and saying the same thing over and over, she then placed me on hold for 15 minutes when another woman came on the line I explained the situation yet again. She stated well since you admitted to being a little late there was no error on our part, I said a little late is not 30-60 days delinquent but irregardless I was simply asking for a one time courtesy since I have never had a late payment ever and as a matter of fact they were always paid early. She agreed that this has never happened before on my account but still continued telling me that I would now need to submit my complaint in writing and mail it to them, even after I told her that I filed a dispute with the credit reporting agency and all they need to do is respond. When I mentioned I was filing a complaint with CFPB she then stated now I have to transfer you to the president line and immediately did so, and where I got a voicemail asking me to leave a name and number and a brief description of the issue. I only have 2 weeks before I loose the opportunity to refinance my vehicle from 12.99 % to 1 % and they are the only thing holding that up and the smallest account I have and giving me the biggest issue.
On Saturday, XX/XX/2018 I tried to sign up for XXXX credit monitoring services and was denied because they are not able to access my Equifax file. This is the second attempt to sign up for the XXXX services to no avail because of Equifax blocking my report. I contacted XXXX 's customer service at XXXX at XXXX XXXX to see what were the next steps and they directed me to contact Equifax customer service at XXXX at XXXX pm. I spoke with a representative and informed her that I was denied subscription with XXXX because they were blocked from accessing my report. I requested that she assist me with granting access to XXXX. The female representative states that because I am not a paying customer with Equifax, paying for one of their products that she is unable to assist me. I told her that I was informed to contact that department, but she is unable to help me? She said that she is unable to look into my request because I don't have a paying subscription with Equifax. I disconnected the call and hung up to speak with another representative. A male foreign representative answered and I requested to speak to a manager. Instead of him transferring me, he repeatedly asked if he could assist me. I told him I would rather speak with a manager because none of the representatives were able to help me in the past requests. He refused to transfer me until I asked for his name so that I can add him to the complain that I planned on sending to CFPB. He hesitates for a few and says his name is XXXX, which I'm sure is not his honest name. He then says he is transferring me to a manager. After a brief pause another male answers which sounds to be the same foreign person. I asked for his name and he says is name is XXXX. I was unable to resolve anything and am so frustrated that I have to deal with such an incompetent company. 

I find it very odd that my credit report can be pulled for a new application, but when I am trying to sign up for a monitoring service to monitor my own credit Equifax blocks the request. Knowing that Equifax is unable to protect my personal information since being one of the victims in the Equifax security breach, I am trying to monitor what is going on with my credit.
transunion and XXXX  have not fixed any of the inaccurate information on my report sent all doc 's and all the information they requested
When I tried to fix some problems with Experian & XXXX  - both CRAs did a lot of un-ethical showing me a lot advertising for other products! Even after I made it clear that I did not want to buy those products - they kept sending those ads! 

That has compounded the problems with false info! Even this month - XX/XX/XXXX - I tried - a lot of times to check if XXXX had deleted the false info. I COULD NOT load my credit report because when I tried - more XXXX  Advertising came instead! 

That happened again & again & again!!! So now I have to file complaints against all 3 of those companies!!! I need to file complaints with CFPB about distinctly different 3 distinctly different companies. - Those 3 companies are - 1- XXXX. - 2 Experian. & 3 - XXXX. 



In XX/XX/XXXX - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. - Things had gone very well! - Then - in XX/XX/XXXX - some problems started! - In XX/XX/XXXX - false charges started appearing on my XXXX XXXX. - I called XXXX Customer Service to talk to them about that. - Some of the charges were from another state. Very strange. - I was avoiding using my XXXX XXXX for a while. - XXXX de-activated my account. - XXXX sent false info to my credit files! - I suffered from a ridiculous amount of adverse actions because of XXXX sending false info to my files! - I also suffered from adverse actions because XXXX failed to correct the problems even after 30 days! - Those 3 companies - XXXX, Experian & XXXX  have severely violated FCRA! - That caused more adverse actions against me! - For example - I got toy limited by XXXX XXXX XXXX XXXX XXXX! That toy limiting almost certainly happened because of XXXX sending false info to my files! 

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The dealer who handled my documents did not properly transfer the title, leading the vehicle to get repossessed. He misused my Identity ( ID fraud ) In the interim, he prolonged the time in correcting his mistake, resulting in the car to be sold. I then contacted the initial financing company ( XXXX  ) explained the situation and provided them with documentation. Because I was left without a vehicle after financing it, I went to the Dept of Motor vehicle and put in a complaint. Upon the DMV 's instigation, the dealer was fined for faulty practices. I have contacted the collection company in regards to this matter as well as XXXX XXXX   to properly report on my credit report. I gave XXXX the police report, showing the vehicle was repossessed due to the title not matching the plates and then sold and I had no longer possess the vehicle. XXXX stated they will not collect the balance on this account because I provided proof of the fraud that was committed. However, they continued to report this fraudulent debt on my report.
I found this on my credit report. I have received phone calls in regards to this account however I they have not given me any information either by phone or in writing in regards to the money they are requesting.   PORTFOLIO RECOVERY Opened  XXXX   XXXX ,    2016  {$1800.00} That is all the information I have.
I sent a dispute certified mail dated     XXXX   XXXX  , 2017  r egarding erroneous reporting on my Equifax Credit Report ; with a Creditor. I referenced the account number listed on the Equifax Report for an "  Unverified  Account. '' I had    XXXX     accounts total reporting from this  Creditor and three  of those were an asset to my credit report, and were validated as mine. Equifax erroneously removed ALL four causing a very detrimental affect to my credit score and reporting. Removing   XXXX   good standing accounts, shortening my length of open credit and good pay history ; this was a poor decision of Equifax . One of the three  accounts is one that I am still paying on faithfully without  one  missed or late payment for the past seven years. " Deleted ''. The other two were paid in full account with no late or missed payments. " Deleted. '' Only one which was negative did I dispute and it was removed.     When I got the update in the mail, dated,     XXXX   XXXX  , 2017    , I immediately contacted Equifax for correction. When calling I received a very rude and insensitive representative that continued to tell me that I disputed the accounts and when referencing the dispute letter I sent she said, well you need to contact the Creditor ; after not being able to justify the error.     The  Creditor  is saying we need copies of the report and we may not be able to assist you with the paid off closed accounts, but the open one that your still paying on we can research. This is time consuming, and unfair. This seems intentional and no one is willing to help as I am in the middle of credit crisis and financial investments  may  fail.
In the beginning of XXXX XXXX we contacted the Oklahoma XXXX XXXX to inform them that our unpaid income tax would be paid by the end of the month and to ensure a lien would not be filed. They assured us the lien would not be filed unless the income tax was not paid by XXXX XXXX. Two weeks following that conversation we received the lien in the mail which was paid in full the following day. On XXXX/XXXX/XXXX, I filed a dispute with XXXX and Equifax stating the same since this lien had appeared on my reports. On XXXX/XXXX/XXXX, XXXX confirmed and deleted this from my credit report. Equifax submitted their results today, XXXX/XXXX/XXXX and has refused to remove the lien from my credit report. It is obvious from my attached credit report that I am a financially responsible consumer who continually makes payments on time and is never late and satisfies each and every loan that I take out. This is the only negative thing listed on my report and it is hindering me from refinancing my home into a conventional mortgage which will save my family and I tens of thousands of dollars in the next decade.
I was approved for the XXXX XXXX American Express credit card which had a bonus of XXXX reward points with {$5000.00} in purchases within first 3 months. I called up the number of my card and verified that buying Amex gift cards would allow me. So I purchased {$5000.00} gift card. 

The Amex representative in early XXXX again confirmed that I will be receiving XXXX in points within 4-6 weeks and now they are declining and saying I am not eligible for the points! 

Investigation number XXXX
The statute of limitation in the state of Texas is 4 years. This exceeds the statute of limitation timeframe. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4. ) Regards
They call multiple times even when told not to call, when they call they always have someone else call and say they are from a different department, they get loud over the phone and very rude, threatened to take money from my bank and work even though I had n't received any paper work on a court issue.
After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under XXXX.