WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is that i was told by the hospital XXXX XXXX that i should wait to pay my bill to see what my insurance picks up. so that time passed 2 or 3 years goes by. My wife and I think her multiple XXXX and mine have been covered 100 percent. We get a call from Financial Credit Network informing us we have many accounts in delinquency. All of them with XXXX XXXX hospital. Without any type of warning shot they want all the money now which i do n't have. All these accounts are for XXXX to XXXX dollars to XXXX dollars to XXXX dollars. So they pummel my credit report with several delinquent accounts with the same hospital i owe the money to. Meaning so instead of owing 1 delinquent account for XXXX dollars i owe several accounts for XXXX dollars to XXXX dollars destroying my credit. Just because i could n't give them the money right there and then. That would be like someone owing on a XXXX that went delinquent and getting reported on for that XXXX XXXXXXXX 40 different times because it was used at XXXX XXXX XXXX XXXX XXXX, the gym at XXXX XXXX. Well you get my drift i hope. It is unfair credit reporting because first of all it is the same place XXXX XXXX XXXX, Second of all I was never afforded the opportunity to settle this bill with the hospital before it got this big. Try calling them they never pick up the phone and they never call back after leaving messages. My wife is XXXX I am a veteran with medical issues, I tried to explain to Financial Credit Network how bad they screwed my credit up. For something i did n't even know about? How can these people hurt the public so bad and not even have to answer to anyone. XXXX XXXX XXXX XXXX XXXX
I am concerned that Lowes credit card is misrepresenting their terms and late fees! In my telephone inquiry, regarding a late fee, I was told " the government allows us to charge a late fee after XXXX days of issuing a statement. '' I asked what their billing cycle is and was told it is XXXX days. How can a due date be XXXX days on a XXXX billing cycle? In reviewing my current statement date XXXX/XXXX/15, which I received on the XXXX ( XXXX days? ), It had a purchase dated XXXX/XXXX/15 on it. due date XXXX/XXXX/15. There is no postmark on there postmark on their envelope to verify when it is mailed, XXXX days is longer than most deliveries. I believe their intention is to leave a very short time to respond to the statement, thereby increasing there ability to charge late fees. 
XXXX
I purchased kitchen appliances at Sears in XXXX 2014 the sales person talked me into applying for a Sears MasterCard to get an extra 5 % discount on my purchase. They also offered 0 % interest on the credit card for all purchases in the first 6 months. When I received the XXXX statement they added an interest charge of {$760.00} for the previous purchases. I called customer service and spoke with XXXX who said I needed to pay the balance before the 6 months period ended and that 's why the amount was added. This is not the way the sales person explained this to me. Making a major purchase is overwhelming and I was taken advantage of by the sales person. She never mentioned that I would incur this charge if not paid within 6 months. The total purchase was near {$8000.00} and current bal is {$2000.00}.
I feel that I am being ignored in my requests to have outdated information removed from my credit report and I am taken aback by this unprofessionalism. After I wrote Transunion a dispute letter in XX/XX/XXXX to their offices in Pennsylvania I later sent a dispute via this secure website, please see dispute 's # XXXX and XXXX. I felt as though their responses were very generic and that was frustrating for me. I was told in both emails that they would get back to me and they have not. I can not imagine how the disputes were closed without any valid information in it and another was marked as a duplicate. Who is allowing them to get away with this? Is this a legal and proper response? The accounts still have no remarks of disputes and the status ' have not changed since XX/XX/2012, that tells me no investigation or confirmation of information was obtained. I was forced to provide my feedback both times discussing how Transunion handled my disputes and I remarked that they did not address my issues or conduct and investigation 's with the companies or included inscriptions and procedures. Which is why my 2 feedbacks mentioned that this agency did not do what they said they would and I also gave my feedback that I do not understand their response or their results because I see no change.

I am referencing XXXX/XXXX # XXXX
After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage.

It is now reflected on my credit score and XXXX XXXX  has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement.

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). During their investigation, XXXXXXXX XXXX  confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.
I get XXXX sales calls re : Mortgages a day and its ridiculous. I want it to stop
I called in to get pay off balance and close my CC account with bank of america. The rep said I owed {$.00}, so I did an online transfer, which she saw, and said I didn't owe anything else and the account was closed. One week later I receive a bill for {$16.00}, so I called and they said I owed the money. I explained what happened when I closed the account, and the rep said the original rep was wrong, and I still owed the {$16.00} regardless. It's not the amount, it's the principal. I was told it was paid off and closed and now they are trying to get more money from me. It's just not right. I've been a good customer with no late payments and good credit, and I don't know what to do.
I have been trying to aquire a loan modification through Wells Fargo. However, the deciding factor is the lien I have against me from the state of California for rear child support. I have spoken with the child support division and the have spoken with their legal team. The legal team has told me, they are willing to temporarily lift the lien so modification can go through. The only documents they have requested from Wells Fargo and or myself is Mature Installments ''. I have completed paperwork 3 or 4 times now only to be tokd by Wells Fargo that I must come current on my child support. It has been very frustrating and disappointing to have had to repeat this process only to get the same result. If the State of California is willing to lift the lien, why is Wells Fargo refusing to provide the necessary documents?
QWR and Debt Validation letters have been sent several times. They did not response according to the law and did not provide certificated and authenticated documentation. In addition foreclosure document fraud by XXXX XXXX as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX and the Assignment says the note was assigned in XX/XX/XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XX/XX/XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS XXXX XXXX HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.
I purchased a vehicle on XX/XX/XXXX from US Autosales. Because of my credit score I had to go to this dealership that clearly does predatory lending to poor people. I was approved for a vehicle totaling {$19000.00} for what I thought was a XXXX XXXX XXXX but its probably a XXXX. After putting a deposit of {$2100.00} my total to finance is {$17000.00} with a 23.30 %. Instead of my interest rate being a little over {$4000.00} which is what my calculator say Im being charged {$14000.00} in interest on a $ XXXX car. In total my car is {$34000.00} because of this illegally charged finance charge. I was also forced to purchase a service plan adding another {$1900.00} on my contract for a plan that does cover the car for my entire loan. I have called and spoke to multiple people about fixing my paperwork so that my payments can reflect correctly. This company also tell you that they have a tracking device on your car what they dont tell you is that this device shut your engine off so that you cant start your car it doesnt matter when you are which wasnt explained to me when I purchased or signed for this vehicle. I would like to start a class action lawsuit against this company. I should have read the reviews before purchasing because theyre bad. Please help
On  XXXX   XXXX ,   XXXX  , I had an   XXXX   XXXX    performed at the  XXXX   XXXX   XXXX   XXXX   XXXX . Prior to this procedure, I was informed and signed a document stating I would be responsible for {$110.00} which I paid the day of the procedure.   A few months later I received an invoice from the University  XXXX   XXXX   XXXX   XXXX  showing an additional amount due of {$390.00}.   When I called the hospital billing department to question this additional amount, I was advised to send a letter to t he Disp  ute Resolution  Department, which I did on  XXXX   XXXX ,   XXXX  .   I followed up with phone calls and emails and received confirmation in  XXXX    XXXX   from  XXXX  in t he Dispute Resolution  Department that my letter had been received and was being reviewed. I never heard back from anyone, never received any phone calls, emails or correspondences about this matter.   I recently found out that my  credit score ;  which has been around  XXXX  for many years just dropped over  XXXX  points. After requesting my credit report, I learned that a company named  BROWARD ADJUSTMENT SVCS reported  a collection of {$390.00}, amount that was in dispute with the University  XXXX   XXXX   XXXX   XXXX . I was never informed by the hospital that my account would be turned over to a collection agency and was never contacted by  BROWARD ADJUSTMENT S VCS about this amount.
Navient does not give a clear path to find your monthly statements on the website. I need documents easily if they want us to be paperless. This information is hidden and unattainable. I have to call to get documents. Tonight I have spent 45 minutes trying to find where statements are located with no success and it is too late to call to get my document sent. This should not be a difficult document to find.
When viewing Credit Reports from all three credit Agency an Charge Off amount appears on report. I have no knowledge of this charge-off amount and never received mail correspondence in regards to this debt.
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX and XXXX XXXX
In early XX/XX/XXXX, I received a replacement card in the mail because my American Express Platinum Delta Skymiles credit card expired. I activate this card as usual. 
On XX/XX/XXXX, I misplaced my card. I called American Express to cancel the card and send me a replacement. 30 minutes later, I found the card. I called American Express again in an attempt to get them to cancel my request. After a 20 minute+ conversation, I was told that because of security, this was not possible. I agreed to wait for a new replacement card. I asked the customer service agent to at least expedite the card so that I don't have to wait longer to use my credit card.

XX/XX/XXXX/XX/XX/XXXX - I received two replacement cards in the mail. I only requested one, but the previous customer service agent must have made a mistake. I ignore this security problem, and I chose to activate the card received in the mail ending in XXXX. This card was the last card received. I cut up the other replacement card. 
On XX/XX/XXXX, I made an online purchase with the card ending in XXXX. In early XX/XX/XXXX, the card ending in XXXX stopped working. Because of past issues with customer service, I decided to ignore the problem until later. 
On XX/XX/XXXX, I called American Express Customer Service to change account address because of a recent move. American Express informs me that the card they have on file is different from the card I have ( the one ending in XXXX ), and this other card was sent on XX/XX/XXXX. They tell me that they have to send me a new replacement card to my current billing address. However, I was making the call because I needed to change my billing address. The customer service agent did not address the major security problem with having a different card on file. The only option they gave me was to send me yet another replacement card. Because of the decline in their customer service and my growing concern for account security, I cancelled my account. 
XX/XX/XXXX/XX/XX/XXXX - Tried to submit a formal complaint. Ignored multiple times.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.
I have tried and tried to get this debt taken care of. This collection account is for a workers comp claim. I have contacted GLA collections and Underwriters both and they will not help me. I want this collection REMOVED from my credit report. Underwriters said they would pay the account and GLA collections REFUSES TO SEND INFO TO UNDERWRITERS!! I am stuck in the middle with this collection on my credit report and it wo n't be removed!
I took this loan out in XX/XX/XXXX., for XXXX. I have paid XXXX semi monthly since ( yes insane, I know but I was desperate ), I fell behind on payments last month and asked them if I could settle it. They now want {$900.00} more!!
I had my mother deposit a check in to my US bank account and pay a bill for me because I was out of town and it was time sensitive, well she got the XXXX checks switched by accident and I noticed it and called the bank two days later and explained to the girl and she understood and even said it happens I explained I was going to go and deposit the amount and she said not to worry. This was on XXXX XXXX 2016 on XXXX XXXX 2016 I went to check the balance on my account on the phone and it did n't recognize my pin number, so again I talked to customer service and the girl said that there could be a glitch and call the main branch but never did she say that there was an issue with my account. Now on XXXX XXXX I went to pay my electric bill and my card was declined well after contacting US Bank I was informed that my account was on hold for fraud because of the incident that happened. After talking with the fraud department I was told that it was put on hold to be cancelled I asked why was I never alerted because the bank sends me messages for everything else I was told that they do not notify people only by letter and Ill get that in ten days, well still no letter. Also I have a direct deposit that was suppose to post on XX/XX/XXXX that is sitting in limbo and was told they will deduct the negative amount on Tuesday XX/XX/XXXX and send me a cahiers check with the remaining balance that will take 7 to 10 business days if it takes the full amount that will fall on Monday XX/XX/XXXX which is a holiday and I will be without money till XX/XX/XXXX because that 's when I get paid again
On XXXX XXXX thru the XXXX, I was on a business trip in XXXX and used my credit card for purchases and services. On XXXX XXXX, I received a fraud alert text from my credit card company asking about a {$1000.00} purchase/cash advance just made with my card. I replied to the text stating it was fraud as I discovered I had lost my card and wallet. I then called my credit card company to report the theft/loss. I told them I did not make the {$1000.00} charge. They stated that they were closing the account and mailing me a new card. However, later on that evening, I logged into my credit card account to check the charges. There was ANOTHER charge after this first fraudulent charge in the amount of {$2100.00}. I called my credit card company to inform them of this and did not understand how another fraudulent charge could have happened after I earlier called them and they closed the account. 

Two weeks went by and I noticed that the {$2100.00} charge was removed from my account as it was in dispute, but not the first fraud charge of {$1000.00}. Two weeks later, I again had to call them about this matter and they finally took off the {$1000.00} charge. 

I received multiple calls from my credit card company and a letter stating I had to provide more information or the case would be closed ; however, I spoke to my company on numerous occasions to give them all the information they required. Finally, near the end of XXXX XXXX, I reached the investigator again and asked him what else he needed to resolve this matter. He stated that the transactions required a pin or other personal information, and asked how I thought this may have happened. I told him that I had no idea. My wallet was stolen when the card was stolen and it contained personal information. I told him this, but stated I had no idea how criminals make these fraudulent transactions. I also stated that I called the company and closed the account after the first transaction ( the XXXX one that they alerted me to ), and I had no idea how the second one ( XXXX ) could have even happened. I received a voicemail back from the investigator a few days later stating that he had resolved the charges in favor of the merchant. On XXXX XXXX both charges were reversed against my new account. I then received a letter stating that they had decided in the merchants favor as I had provided the card and personal information to a third party ( which I clearly did not )! 

I called the company back multiple times. I asked to reopen the case, they said that was impossible. I asked if I could appeal the decisions and they told me NO. I then asked if a new investigator could be assigned to look into this matter as I do not think due diligence was done and the case was poorly handled. I was again told that this was not possible. I then called the direct number for the investigator and left a voicemail asking to speak with him and that I had issues with the resolution. I received no call back.
Well they Loan me a XXXX dollar but in return I wouldve to paid XXXX back which I think thats way to much so I assume they trying to scam me ..and also the percentage rate is XXXX which really not adding up so I want help out of this Loan situation please!
TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX {$270.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title  relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVICES {$270.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX