WillisBack/dataset-financial-user-claim huggingface dataset:
Went to the Emergency Room at Utah XXXX Hospital in XXXX, Utah in XX/XX/2016. Paid bill for hospital portion and for XXXX services. Never received one bill from Utah XXXX XXXX XXXX for this visit!! Never received a phone call to verify my address or tell me that I had a debt.
after being XXXX injured almost 5 yrs ago my husband is completely XXXX, he spent 67 days XXXX. and 32 days XXXX, 2 yrs ago XXXX sued him [ g e money bank original credit card ] we explained how we now live off of XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in Pa. is there anything I can do. thankyou,
Had a FHA Mortgage with Chase ( XXXX ) I did a Loan Modification with them in XX/XX/2013 in which only about XXXX weeks ago thru a payoff request that I understood that they did a second mortgage on me and remitted amount to XXXX. I am upset and feel like they did not upon approval of loan modification tell me what the product was on how it was going to impact me, Furthermore the XXXX XXXX Department there told me that the XXXX that was separated from my primary and setup as a second mortgage was Satisfied and that I did not owe any amount from the original amount of the loan and assured me that the remaining XXXX was the only debit we had. XXXX never disclosed to us who they were and what portion of my original loan they had. So I want to go after them with a NON Disclosure Act. Can you assist me?
XX/XX/XXXX Chapter XXXX was filed. On XX/XX/XXXX Ocwen approved a mortgage modification. 1st trial payment was XX/XX/XXXX last on XX/XX/XXXX. Completed on time. Contacted them multiple times to see when i was going to receive statement. Called multiple times for years & was told to keep paying modified amount. So I did. CXXXX BK discharged XX/XX/XXXX. XX/XX/XXXX received a 2page statement dated XX/XX/XXXX saying Due in bold red letters {$65000.00} to bring my account current. Said became delinquent XX/XX/XXXX. Received another statement next day dated XX/XX/XXXX, saying payment duue XX/XX/XXXX for {$67000.00} also in big red letters. Contacted, said my payment was rejected. They told me to send proof of all my payments for pat 4.5 years and schedule appt for XX/XX/XXXX. Sent me a hardship info pack to complete. They sent me a modification pack without using my current expenses, etc in my hardship pack that I had not sent back yet. Told me to take their modification AS IS pre-apprived & if they review my hardship pack it is not guaranteed I get a modification. I called them with an update of my pack every couple of days and just said ok. Now paying {$2400.00} from {$1000.00}. They added $ XXXX on my loan w/baloon. Need help, savings exhausted. They forced me to take this or lose my home. Did not attempt to work with any offers I made. May lose in a couple of months. Expenses are more than income. Have cut all I can. I've been totally onest with them for years but they did not ever tell me any kind of way I need to be paying my original amount before mod or even should have told me it was not approved. They just kept taking my money. Said they couldn't tell e anything becasue I was in a BK. They should/could have not even sent the trial mod payments if that is the case. I have lots more info, documents, etc. I'm so sick, worried, stressed, can't sleep. I need some type of relief. I pray you can assist in some way. Thank you
Nations Recovery Center keeps calling my home from different phone numbers. I told them to stop calling. They have called from at least XXXX numbers : XXXX and XXXX. When I told them to stop calling they were rude and said they would increase the calls.
on  XXXX   XXXX  I received a call informing me after  30+years of u sing  my American Express card they  put a hold on my card until I will give them permission to go through my I R  S ta x returns .I have never been late on a payment and have generally either paid the full amount or more than the amount due ever month. I informed them I was out of state and was using my card for motel & gas. They gave me no reason for this action beyond they want to know my income and they will decide if I can afford this card. I DO NOT think that is their decision to make as long as I am making my payments!!!! I feel they are judging me on my age and  XXXX . I am  XXXX  and no longer have a high income but I have been  XXXX  for several years and am managing fine, they have no idea what I can afford.
There are 3 inquiries that were done in the year XX/XX/2016 these 3 inquiries were to drop off my report. To date they are still reporting. I tried getting online to dispute this information and have it removed being its been 2 years but was not able to get online with transunion to do so. I always have a problem viewing my credit report with them
This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, XXXX, XXXX delete these late payments and update my profile
This is my third attempt to receive from the bureaus requested original documented proof of a disputed 8-year old account [ XXXX XXXX ]. It appears that the account was remove, updated from the information I provided and then placed back onto my report causing my FICO score to drop nearly 40 points. Therefore, it seems I was penalized for requesting a proper investigation ; and sending me tangible proof. 

As per section 609, I should be protected from all forms of false and manipulative reporting and asking for all documents that were filled out when this account was opened, including an application and/or contract with signatures is within my rights. I contacted all three bureaus after discovering that all three bureaus had different and conflicting information about a very old account. It is clear that I was penalized for challenging an account. The amount owed was the same, which should have been the only reason my score would have to change. 

In the pass I was a victim of identity theft, I simply want the original documents to determine ownership.
I have been working on a short sale for almost 2 years. The first lien holder is  XXXX   XXXX  and they have given several approvals but  Trinity is the 2nd li en holder and they would never cooperate. They wanted it to go to foreclosure. After several attempts to get them to work with us, I tried to reach management and they would never reply to any of my messages or requests. I received a letter fro m Trinity ( attached ) d ated  XXXX   XXXX     2017  stating that my loan was being transferred to  XXXX  on  XXXX   XXXX ,  2017 . As of Today  XXXX   XXXX   2017 ,  XXXX  still has no documents transferred and I have made several attempts to get trinity to look into this. I now have a foreclosure date with the first lien holder and an approval letter stating I can close at the end of  XXXX  if I can get 2nd lien holders approval on the short sale. I can not work on the short sale as it still has not been transferred to  XXXX . I am afraid that  Trinity  is going to blow my chance of getting my short sale through.
My credit card from PNC Bank Credit Card was compromised when XXXX had a security breach ... I was notified from PNC Bank that they would be sending me a new credit card in XX/XX/XXXX, to replace the old credit card that may have been compromised from the target breach at the end of XXXX XXXX ... I also spoke to them at this time about making a payment and they told me to hold off until I received the new credit card ... .I was supposed to receive the new card in XX/XX/XXXX, however, I did n't receive the new card until XX/XX/XXXX, almost a month and a half later ... .Once I received the new card I immediately called PNC Bank to activate the new card to replace the older one ... I ask the representative at the time if the account was open and activated and he stated that it was, however, at the time I talked to this representative, it had already been closed by PNC Bank ... The rep told me to set up a payment in the next week or so since the account was running behind due to PNC Bank mailing out the new card a month and a half late ... I called back in a few day later and agreed to set up a payment until the rep told me PNC Bank Closed the account XX/XX/XXXX and PNC never notified me they were closing the account ... I was outraged, since I had been a customer all my life at PNC ... .PNC also charged late fees and over the limit fees, how convenient, while I was waiting for the new card to arrive ... At that point I called PNC, and they said the person I needed to speak with about this problem was in a different department, and a person would call me to speak about this in 72 business hrs ... .I never received a phone call from PNC, after I called in several times about the credit card ... .At this time, I have XXXX credit cards, XXXX showing up on my credit reports, XXXX, XXXX, and XXXX, and this is in direct violation of the fair credit reporting act, since PNC failed to call me back to discuss my credit card being compromised, and that they would be using negative information in my credit reports ... They also state in credit reports that we came up with a resolution, then I disputed this, simply not true ....
I have contacted this office requesting validation of this alleged debt without any response & it has been more than 30 days. I have not conducted any business with this company and have no contact with them.
Last XXXX ( 2015 ) I order a hat from XXXX an online creditor.. phonr number, XXXXXXXXThe had that I received was the wrong type and size. I returned this product since last XXXX ( 2015 ) .To date XXXX is still charging me for the product. Since I refused to pay they had send my account to a collection agency. 
In addition, I usually order product from another online creditoe. XXXX. Approximately 2 weeks ago I had attempted to order products from XXXX. I had experienced prejudical treatment from XXXX staff. Eventually they took my order but, never approved it. About a week later, I called XXXX and was pushed around for almost one hour. Finally a supervisor from XXXX customer service, in a nasty tone of voice said that she had cancelled my XXXX account because my XXXX account was send to a collection agency. I should not be paying for any product that I did not have or received. In addition I shoild not be discriminated against because some staff members from XXXX have that authority to discriminate at will.
The creditor has been making false negative reports for almost 12 years ... I have not done any business with that specific company since 2006, which is well past the 7 years for negative porting to be allowed. I have submitted several disputes via the Internet, mail, & phone with TransUnion to remove this item from my credit report as it creating a tremendously negative impact on my TransUnion report.
Called to inquire program I was never told that if I did not complete.I never did the course.I was never informed that would be charged or this would be on my credit report.
On  XXXX   XXXX ,   XXXX  , I made a {$400.00} payment to Best Buy credit card services for a TV I had intended to purchase. I never bought the TV, and when I went to cancel the payment I set up through my bank, I missed the cutoff date by a few days and the electronic payment went out. I went to the Best Buy store in  XXXX  and they told me I would have to talk to their credit card people. Citibank handles Best Buy credit card services. I contacted Citibank at  XXXX , I believe it was in late  XXXX ,   XXXX  . They acknowledged the payment of {$400.00} and said they would look into it. I never heard from them. I contacted  Citibank  again in late  XXXX  and again, they acknowledged that I made the payment. The young lady with  Citibank  stated she would assign a case number and get back to me. Shje / Citibank never got back to me.     I mentioned to them that if they sent me a check, if it did not come as a check, I would probably have treated it as junk mail / another credit card offer and toss the envelope in the trash. The young lady I talked to did not state if they had ever sent me a check. The young lady asked me for my bank routing number and account number. I assume she wanted it for two reasons. To check if they had sent me a check and if it had cleared my bank, or to electronically pay me so I would not treat their mailing as junk mail.     I will be glad to give you more information such as my Best Buy Credit Card Account number, as well as my bank routing and account number, and a screen shot of my bak statement showing the payment I made to them for {$400.00}. My bank says they ca n't help me because a 60 day window has passed from the  XXXX  transaction date.      XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , AR  XXXX  PH :  XXXX
XX/XX/XXXX XXXX XXXX XXXX The account is reflecting an Unknown Status. The Account should reflect a XX/XX/XXXX balance. Also the Credit Report is stating that I was late in XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. 
This account was never late. I was placed on an FHA INSURED LOAN MODICATION PLAN THAT INCLUDED THE FOLLOWING DATE XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. The FHA plan started from XX/XX/XXXX and renew the plan on XX/XX/XXXX. I ATTACHED A LETTER from XX/XX/XXXX XXXX XXXX of the INFORMATION TO SUBSTAIN BY ENVIDENCE THAT THE LOAN WAS NEVER LATE. 
Please remove late status from my Experian Credit Report. 
Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
PayPal credit advertises 0 % apr for 6 month for all purchases over {$100.00}. 
On XX/XX/2018 I made a purchase of {$2000.00} however PayPal charged me a finance fee on this amount against their advertised offering.
We are notifying CFPB I ca n't just sit back and do nothing.. In lieu of the issues that have occurred with XXXX XXXX, it is clear that I must report the issues I have had with Citizens Bank. We are reporting about a monthly withdrawal that we never signed for or approved of and have been complaining about it for over a year. We finally just switched bank accounts ( after 36 years ) and were waiting for the our account to be credited - then you debited the money again. We thought that the $ XXXX month was a small amount, but if Citizens Bank was doing a similar scam with EVERY account it dealt with, it could be millions in fraud. In fact I will also make a fraud claim.
Bank of America will not remove my PMI and Escrow account. I have 22 % equity on my home and they are asking for me to pay {$500.00} for an appraisal to remove the PMI. THEY are ripping me off every month by not removing this unfair fee.
On XX/XX/XXXX at approx XXXX XXXX I cancelled a transaction of {$400.00} that I had entered on Google Payments. I received a confirmation of the cancellation. I relied upon the information and used the funds to make other payments. The following day they debited my bank account the {$400.00}. They have been telling me since then and are now telling me that it will be 710 days to return the funds that they should not have taken. Their support center has done nothing to correct the error. The just repeat the information on their website or cut and paste it into an email. I think that it is either inconvenient to have people Available to correct their errors. The claim that it is impossible to fix. Certainly there is a person capable of correcting this but they cant or wont relay the information. As they are not regulated like a bank they seem to believe that they dont have obligations. This is costing me hundreds of dollars in fees and loss of reputation. Their representitive offered me a {$5.00} courtesy credit. I need the {$400.00} back and will address the fees later. Thank you.
On XX/XX/XXXX, I received a letter from Barclay Bank in regards to my new gold luxury card stating that I would fall under their SCRA benefits for the duration of my XXXX XXXX service ; however, on XX/XX/XXXX, I received a letter stating that because I opened my card after my XXXX XXXX start status that I would no longer be under SCRA benefits. As a current XXXX member I should still be under SCRA benefits. I was told that they are switching their policy on me and they will no longer waive annual fees for me as they originally intended.
Once again I got an email telling me they have fixed the issue. Yet they have screwed it up even more. Now every single account I have had and have with XXXX except the one that was actually discharged, notes that it was discharged in bankruptcy. Even my current 15 year mortgage that I got post bankruptcy says it was discharged. Experian is committing several egregious violations of the FDCPA. If they were actually validating these accounts then XXXX would be telling them the true status. Also on the XXXX XXXX/HELOC for XXXX ( the one that was actually discharged in bankruptcy and the only one that needs to be marked as discharged. ) XXXX still claims a mortgage lien on the property so if they sold it or transferred it as you are insinuating then why does my title say different?
I have contacted Equifax on numerous occasions with the latest contact dated X/XX/2017. I keep letting them know that there are 25 inquiries on my credit report was not authorized by me. They tell me to contact the companies who initiated the inquiries but the few companies I did contact told me I had to contact the credit agency that are reporting the inquiry, and when I contact Equifax they give me the run around. They tell me these inquiries will stay on my report for two years. This is not fair, especially if I did not authorized these inquiries. I believe my credit account was breached way before Equifax became public about their systems being breached. I am currently trying to place a security freeze on my credit file from all 3 credit agencies and I am also currently in the process of consulting an attorney to help me deal with these matter.
I am attaching a copy of my credit report with the inquiries highlighted ( pages 61-65 ) ....
XX/XX/2018 I opened an account with BBVA Compass. In a weeks time, they allowed my account to be compromised, they froze it, i did not even HAVE my debit card yet when they did. They have still not let me get my money out. Even had to open a SECOND account and they still won't let me. I had to miss my father 's funeral due to them not giving me access to MY MONEY. I filed a fraud claim, I have continued to not be able to pay bills or pay for meds I have repeatedly been railroaded by every department in this bank. I have been discriminated the to my XXXX, refused STILL to allow me to get my money. im Broke, mad, and I want HELP. They also made a mortage I NEVER  applied for
On XX/XX/2016 we stayed at a XXXX in XXXX UT and used our American Express Bluebird card to pay for the room. As per normal they held funds to cover the transaction then charged the funds, but they never released the " hold ''. When I called the XXXX they informed me that they did not do automatic releases and it would be up to my financial institution to release the funds. I called American Express and was told that they could not release the funds either, it was n't their " policy ''. So-XXXX will not do an auto release, even though they have been paid, and American Express will not release because it is not " their policy ''. So who has my {$88.00} and who is responsible for returning these funds to me? It has been nearly XXXX weeks and someone still has my {$88.00}.
I applied for a credit card at my bank and was turned down. I received a letter that they turned me down because of XXXX. I called and asked what were the main reasons I was turned down or how to get the main reasons. they said I had to go to the bank to find out. I am XXXX and do n't drive in essence cant get to bank. bank would n't help me.
Many overdraft charges and insufficient funds when deposits were pending and checks cleared when deposits were made the same day. This has happened to me several times.
I receive sometimes multiple calls a day from this number XXXX either as Name Unavailable or Receiveables. They do n't leave a message. Ringing my phone is very frustrating as I have an XXXX parent who may be trying to call me so I need to check the phone each time it rings. Please stop this nuisance!! And please insist that companies that accept credit applications CONFIRM the phone number before thay issue the credit.
To Whom It May Concern : I was the victim of a car accident XX/XX/XXXX and I kept receiving the same bills regarding my visit to the XXXX XXXX XXXX ( XXXX ). I wanted to wait until the settlement was complete before I paid it off. I also wanted to make sure no new bill were or would be issued before settling the person 's insurance. Therefore, my XXXX bills were understandably taken to collections ( AllianceOne ), but I explained to them the situation and I paid off all the bill regarding my XXXX bills by XX/XX/XXXX to the collection agency on behalf of XXXX XXXX XXXX. I confirmed by phone multiple time ( XXXX times ) with the hospital that my account had been XXXX out. My attorney also confirmed that these were the only bill that I had or will have regarding this incident. On XX/XX/XXXX I received a call from AllianceOne trying to collect a bill from that I have never was issued. They said they received this bill on XX/XX/XXXX ; almost 1.5 years after my accident. And after my attorney and I had taken measures to make sure all my bills pertaining to the incident were resolved. I tried to dispute this bill with XXXX XXXX XXXX, so they took it out of collections, but they never resolved it. I was consistently corresponding to them for about 1.5 months. I even had my attorney tell them that we had asked for all the bills pertaining to the incident. They stopped corresponding to me for about 1.5 months. On XX/XX/XXXX this started up again. This time I asked for a " verification notice, '' detailing terms in which the clients has asked. I have not received any such letters. I has been over 5 business days. I also got a " print screen '' version of my " new bill '' which they claim I have been receiving since last year, but there would be no reason for me to not receive these bills if I had been receiving the other bills before. I have been trying to file dispute with XXXX XXXX XXXX again as there are items which are duplicated including items that I have already paid for and new items for treatment I did not receive. The patient billing manager refuses to try to respond to my requests. I tried to schedule an appointment with her, but there has been no response. I have filed a compliant with the hospital online and in-person, but have not received a response.
First of all I always have my ID on me so that is a HUGE lie! Secondly how would action collection agency know what happened? Where they there? Pretty sure this agency is located in XXXX so they are going off of what their client is saying which again is a lie! I am not responsible for anything! I 'm not working! Doctor did nothing so he gets paid nothing, simple! Do not contact me anymore about this INVALID DEBT!!!!!
syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$540.00} i sent this agency two notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this account