WillisBack/dataset-financial-user-claim huggingface dataset:
My son went to the XXXX XXXX XXXX XXXX sometime this year. The hospital been sending him a bills saying that he owes them {$240.00}. After not getting a response from my son about this debt, they then sent it to the collection company XXXX XXXX XXXX to see if they could collect the money owed. XXXX XXXX XXXX did not contacted me about this debt to see whether it belongs to me or my son because we have the same name. Instead the went ahead and place this debt on both of our credit report. I contacted the collection agency to let them know that I did not owe this money and that the debt belongs to my son. I  also contacted the hospital about the debt and they also stated that this debt does not belong to me and that I should contact the collection agency again. I have contacted the collection agency 5 time already to see if we can resolve this issue.The collection agency states that they have already notify the all three credit reporting agency to have this item remove from my credit profile. XXXX and XXXX removed the item but Equifax will not remove the item and insisted that the item belongs to me. I have repeatedly disputed this item but Equifax still say that the item belongs to me. I even try to get the collection agency on the phone with Equifax, but the representative from Equifax say she ca n't speak to third parties and will not take the information from the representative from collection agency with the control number showing that they already send the request back in XXXX XXXX to have this Item remove.I have also asked XXXX XXXX XXXX to send me a letter stating that this item belong to my son and that they have request removal of this item, but i did not get that request full fill. I again contact the billing department at the hospital and they stated that they will have the collection agency send me a letter showing that they corrected the mistake, still no letter. I did not go to the hospital and I do n't owe them the {$240.00} that is placed on my report. I need this Item remove from my credit report immediately.
For the past 8 years I have always paid my XXXX XXXX mortgage on time and on the same date via their phone system. Recently I found that when I went to pay that my previous month 's payment was coming up late. I knew this could not be the case because I had a confirmation number and I also saw a {$15.00} phone transaction fee deducted from my account from XXXX XXXX the same day. Feeling confident that it must have been a bank error I called them and immediately paid both months. While on the phone I was also informed that they had reported me as late to the credit bureau! I could not believe it. Still I assumed that they would just fix it. Afterall, I was given a completed transaction confirmation number from them and they charged me the phone transaction fee on the due date so it was clear that I used their system so obviously I thought I had paid. In addition, I need to note that neither my co mortgagee nor myself ever received an email or voicemail alerting us that we were late on our payment. The bank claims that their telemarketers did leave a message. Absolutely they did not. If they had of course we would have responded asap as it was in our best interest to do so! I also have proof of funds for that week from my bank as I wanted to show them that I had the money in the account so they could see I could pay at that time. Ultimately after XXXX rounds of disputing this including contacting the President 's office to try to get XXXX XXXX to do the right thing they will not. Their final stance is that I apparently entered a XXXX when it should have been a XXXX when entering my bank account number in their phone system and because of this it is my fault and they will not do anything to help me. I have not seen their proof and believe that this could just as easily had been an error on their part. Even if it was a human error on the part of the customer, they have my 8 year payment history always on time, on the same day every month. They have proof that I did the same that month on that date as their system gave me a confirmation number! If I have a confirmation number and no one notifies me that there is a problem, how can I fix it? When I did go into my account later in the month and saw the late notification I called and paid on the spot. The end result for me and my co mortagee is that it has dropped my credit rating XXXX points from good to fair. This has enormous negative ramifications for me/us as we need to refinance the house this year and now do not know if we can and if so it will cost us more and the interest rates will be higher. None of this makes logical sense. Why should a loyal customer who has paid on time for 8 years and has paid out hundreds of thousands of dollars to XXXX XXXX XXXX Mortgage be left flapping in the wind like this for possibly, accidently entering a XXXX instead of a XXXX in the phone system while trying to pay my mortgage on time?! It is just insane. Can someone please help us?!
The credit bureaus continue to report credit cards on my reports that do not belong to me. XXXX XXXX and XXXX XXXX XXXX.
On XX/XX/XXXX, I initiated a rollover of a 401k to an IRA with the stated intent on taking a one time dispersement for a down payment on a home. I was sure to inform Wells Fargo of this purpose. I was told " a couple of weeks '' for the entire process to be completed. The IRA was created on XX/XX/2018. I promptly submitted the distribution form that same date at XXXX to the email XXXX as instructed with an expedite ticket number of XXXX. I was told it would be fully complete in 5-7 business days. I have had to make multiple calls with Wells Fargo agents unable to locate the form, unable to find the underlying account, and insisting I had to start the process over. In total, 10 calls have been made regarding this. On XX/XX/XXXX, at XXXX, I was instructed to resubmit the form to the same email above and it would be processed within 24 hours. This did not occur. In a call back to voicemail on XX/XX/2018, I was notified that in response to my inquiry they were unable to find any evidence of a submitted form. 

The continued delays, obfuscation, and inconsistent messages are materially interfering in my contractual obligations with the sellers of the home I seek to purchase. A closing date for the home has been delayed 3 times as a result of the incompetence and misdirection of Wells Fargo 's investment services team. This is my money. This should be a routine transaction that is common for 1st time home buyers. I insist they release my funds to me on an expedited basis. Any assistance in securing this result would be appreciated.
i have been seeing on my credit report and account i have with  XXXX   XXXX   XXXX  has been showing negative. i did make a late payment for the first time since i had the card in  XXXX     2016  but never missed any payments since and have aleady paid  XXXX  bill and not due until the  XXXX .  XXXX   XXXX   XXXX  is blaming the credit  XXXX  and  XXXX  is blaming  XXXX   XXXX
I have been contacted regarding a payday loan I supposedly applied for in XXXX 2011 and failed to pay back. I did not take out a payday loan during this time and not with this company or any of it 's affiliates. They have my personal information and have read it to me when I called them back. They have contacted my mother and spouse and threatened to have me arrested if I failed to pay this loan back. I do not owe them money and I want them to stop harassing me and my family. They call from different numbers daily and the address listed on " their website '' is actually the address for a XXXX XXXX in New York. It has reached the point where it has made my wife and I nervous and looking over our shoulders.
I wrote M & T Bank this letter on XXXX XXXX, XXXX and mailed it the same day. As of today, XXXX/XXXX/XXXX there is no response. 

This letter is in regards to the Mortgage Insurance on my loan. This loan was originally done in XXXX by XXXX Bank. It was sold to M & T Bank within the past year or XXXX. When I originally got the loan, I was told the PMI would go away after 5 years OR after reaching 80 % LTV on the home. 

As of today, the home value has increased enough to be at 80 % LTV and the 5 year mark will be this XXXX XXXX. I did a XXXX Refinance to lower the rate, which I was also told would not affect the timeframe. I was also told if I wanted to get rid of the PMI sooner, I could have an appraisal done proving the equity was there. 

I just got off the phone with a representative today ( XXXX/XXXX/XXXX ) who told me I would not be able to get rid of PMI until XXXX. According to this representative the guidelines are different. She mentioned I have to be at 78 % LTV AND 5 years with the property. According to your system the 5 years started after the XXXX ( I was told it would not make a difference due to the type of loan ) The balance on the mortgage has to be at 78 % LTV from the purchase price, around {$120000.00}. 
In this case, there is enough equity in the home to meet the 78 % and this XXXX will be 5 years. The PMI should go away in XXXX XXXX.
My doctors office, XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, tried to defraud my insurance carrier and myself by billing XXXX for the same visit with XXXX different billing codes. I tried to resolve the issue with the doctor 's office directly. After being given the run around, I filed a claim with the Texas Department of Insurance and XXXX. The doctors office corrected their bill and resubmitted the claim. The claim was then paid correctly by my insurance company. During all of this, I received a letter from a collection agency, RS Clark and Associates. I contacted them to ask for validation of the debt because I was told by the doctor 's office that they did not turn in my information. I then called them several times and never received a call back. I looked at my credit and I have a derogatory mark for an account in collections. I have asked them to remove it and they say they can not.
Please see attached motion before the XXXX XXXX XXXX. Paragraph XXXX is my complaint to you as well. I previously asked for an investigation into a complaint I filed about the illegal devaluation of my property, which forced me into foreclosure in the first place. It may be still under investigation. 

Now I am on the other end of a property devaluation candle that burns at both ends. The sale of my property, through the on line system, by the bank, which as you will see by the explanation in the motion, resulted in a value XXXX percent below its worth. It was accomplished by the bank itself, with the publishing of a very low value they would pay for the property, only {$170000.00}. The amount is {$100000.00} less that it was purchased for in 2001. The bank 's actions effectuated the low sales price on my unit. If the sale is not reset, then I will be subject to a {$150000.00} deficiency judgment at the age of XXXX. The amount bid has nothing to do with the price my unit could sell for in an open competitive market, and because the sale was to a third party, the county has told me they will count it which will devalue every property in the building, an injustice for many including the MBS owners.. 

You will see I have quoted an attorney who had the sale of his client 's property cancelled with his argument that the online system is not fair. Why are the banks allowed to participate and aid and abet an system of sale that desecrate everyone 's property value and cause deficiency judgments in this manner. Please do something about it. This can not be excused by a ruling that it is internal between the servicing bank and XXXX XXXX. Both the servicer and XXXX XXXX have obligations under federal law to protect the consumer 's loan value, both the borrower 's and the XXXX investor 's. They are legally obligated to do so by my mortgage contract. Please intervene and make the bank join me in contesting this sale, and have them then be the purchaser which takes the unit back appraises it and puts in back on a open competitive market. That is the way it has always worked and because of this the values never went down, only stagnated during recessionary times. 

May I point out that during the foreclosure crisis it was hedge funds buying up these properties at pennies of the dollar, hedge funds which had banks as their major clients, banks whose actions made the values go down with low bids on the on line system, and then they hugely profited buying them up. 

You will see I say the banks use of the online system violates my contract because my contract required adherence to RESPA provisions. RESPA provision require adherence to federal law and regulations which govern federally realted mortages, and the fdICs regulations say that a federally related mortage to sell, especially when it is over {$25000.00}. must be appraised by a certified appraiser and put on the market for a reasonable time. 
Finally may I complain that the bank knows I am appealing to the Supreme Court and therefore never should have requested the scheduling of the sale in the first place.
I have called 3 separate times to set up Income Based Repayment plans. each time I'm told they will send the required paperwork and then it never comes. After 3 unsuccessful attempts to receive the info I finally did get paperwork. I filled out required forms submitted them and received confermation that I qualify for the {$0.00} a month repayment plan and that any money I pay a month will be applied to the principal. within a week of receiving this info the company proceeded to send me a bill for the old payment of {$120.00} per month. I made a few months payments thinking that the money would be applied to the principal when I saw that is was not I stopped making the payment. they are now threatening to send me to a collection agency and bang my credit score. I should not have to call for a 4th time and spend 40 min waiting on the line only to get a rep who will lie to me yet again saying things will be taken care of. There is a class action lawsuit against this company for doing the same thing to numerous clients. I was willing to make payments of {$50.00} a month and was told that I have to pay the full amount they request unless I qualified for the income based repayment. so I did and I qualified and I'm still getting these bills and threatening letters.
This company is calling my parents, my children, my brother & past residences searching for me. I have no idea what this company wants with me. I 've tried to contact them, with out any success. If they would leave a clear vociemail, I would call them back.
A charge was placed to my Bank of America account which overdrafted the account. I was not notified of the negative account status, nor the fee that was then applied. I have called in multiple times for this exact issue, each time being told it was now fixed and I would be notified. I have a history of texts showing Bank of America notified my when my account is negative, but this time Bank of America refused to do so and charged me {$35.00} for it. I have never opted-in to overdraft protection, if anything, I have repeatedly requested to not allow my account to be overdrafted.
my acct ending in XXXX was supposed to be cr on XX/XX/XXXX, still no credit. When to the merchant and they show they show they credit the acct.
Western Union Money Transfer on XXXX XXXX, 2016 : Western Union provides 3 opitions on line for money transfer. One is a credit card option, however when you choose it, Western Union gives you the illusion of proceeding with the transaction, asks for personal information, like driver licence etc. After you provide all info and submit your credit card information, the web site gives a message " your transaction could n't be completed '' and forces you to chose WU option for payment. When I called Western Union, after being conected with someone in XXXX, I was told that my credit card company denied the transaction. I called my credit card ( XXXX XXXX XXXX ) and was told by them that nothing was denied by the credit card company, moreover, that no transaction was ever received. When I called WU again ( conected to a foreign country again ), the only information I was receiving was to take cash and go to a local Western Union agent ( highly inconvenient and burdensome ), or to choose the WU option on line. My complaints about the previous wrong info as well as questions about when the credit card option on WU web site would work, were completely ignored. 
Western Union deceives people on their website to obtain personal, sensitive and financial information from their customers, therefore it is kindly requested that the US Government investigate those practices and take further legal action if necessary.
I have XXXX US Bank XXXX XXXX XXXX ( Business and Personal ) between myself and my girlfriend. We paid annual fees for each card this year under the assumption that the current reward of " XXXX free night hotel when booked with points '' would remain active for the remainder of the year for which we paid the annual fee. US Bank is changing this effective XXXX XXXX, 2015 and removing this benefit. This is a deceptive bait and switch tactic, and we are no longer getting the value we paid for in the annual fee.
I have been a victim of identity theft and tried correcting my information with the credit bureaus. They told me to get a notarized affidavit, send them my driver license and social card ; which I did. I have been dealing with them for the last year and it gets so frustrating how I get denied for everything I apply for even though I am a very responsible person. As a matter of fact, I have kept all of my correspondence with them as proof that I have sent everything that they asked from me. I called several times as well. I have had notarized my affidavits and police report XXXX already but up to now, the accounts are still on my report which is barring me from having a decent credit score.
I have a personal school loan in the amount of {$36000.00} with Sallie Mae. Sallie Mae has charged me late fees because i have been latte with payments because I am not able to make the current payments. Sallie Mae has never contacted me directly. They have only called my co-signer with an automatied system. Because of Sallie Mae negligence. Sallie Mae reported my loans to the credit reporting companies as defaulting. So now they have ruined my credit rating and my co-signers.
On XXXX/XXXX/XXXX, I moved from my house in XXXX to a XXXX for two years. After the move, someone went through my trash and cashed a torn, fraudulent check. The check was dated in XXXX and was still cashed by a XXXX branch. I filed a claim with Chase 's fraud department immediately after recognizing the fraud. They refused to reimburse the money because the check was not shredded. I filed another complaint pointing out that the check had been torn and was dated two years ago. They refused to change their decision and said it would not be considered again.
The bank fail to provide advertised Rental Car Coverage during my car rental, where it instruct its customer to decline CDW offered by the rental company as they are covered by using their card for rental. 

I was locked out of my rental and the rental company requested payment for its service to unlock the car since I declined their offered CDW. When I called the XXXX XXXX customer service, since CDW is covered as per their advertisement, they transfer me to XXXX XXXX and in turn transferred me to roadside assistance which charged me {$69.00}. The charge details as follows : XX/XX/2018 XXXX XXXX XXXX Country Code : US - United States Original Account Number : XXXX Currency : US Dollar ( USD ) Merchant : XXXX XXXX Merchant Information : XXXX XXXX XXXX XXXX TX XXXX Transaction Date : XX/XX/2018 Posted Date : XX/XX/2018 Transaction Type : Purchase Reference Number : XXXX {$69.00} I attempted three times to resolve the issue and requested refund by my credit card to the charge since their instruction is false and they fail to offer their promised coverage but they fail again to address the issue. My latest complaint to them No. XXXX dated XX/XX/2018. 
Your support in that matter will be greatly appreciated. 
Regards,
XX/XX/2018 RE : Hunt & Henriques XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX Acct : ending in XXXX Dear Consumer Financial Protection Bureau : I am writing in response to a debt collectors threatening letter, dated XX/XX/2018 ( copy enclosed ) about the above -referenced account ( XXXX ending in XXXX ) I have explained to the debt collectors demand, how I can not balance this request. Ive expounded on my position, as explained in my letter to Hunt and Henriques, XX/XX/2018. This is a permanent situation, not only medically, but because of our listed ages ; my wife will be XXXX in XXXX and I will turn XXXX in XXXX. In addition, our only source of income, as I explained to the debt collators, is Social Security and our pensions and my Veterans Medical Benefit. I explained to the debt collectors that we have no attachable income. My stated notice to the debt collectors is covered in the Fair Debt Collection Practices Act, 15 USC 1692c. 

( c ) In accordance the above-referenced act, I have asked XXXX ( twice by phone and once by letter ) and the debt collector twice by letter ( enclosed ), to cease and desist. 

In addition, I explained in detail and forwarded several copies of my wifes diagnosis of XXXX and how our finances are affected by medical charges and other financial obligations. 

I am asking that the debt collectors cease in their efforts to further contact me and to stop any attempt at legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Walmart has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
On approximately   XXXX   XXXX  2017    I made the required payment and extra. On   XXXX   XXXX    2017  I made another payment for   XXXX   XXXX  2017   , it was applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about  XX/XX/XXXX    payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX  2017    I reveiwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for sixty days. I called the company again and the representative hang up.
I was approved for a loan that took the place of an existing loan and so it was cancelled out with a new balance to pay monthly. The interest however has increased and when it was time to see if I can lower the payments they said that I could not because I have n't met the criteria on my loan as in terms of when I will be eligible to get a reduced monthly balance to pay per month. They are also harassing me by calling me from work and or at home.
Today XX/XX/2019 I tried to submit a dispute on my experian credit report. After submitting all the information they ( experian ) would not allow me to submit my dispute. It stated that I already disputed these items and to call that toll free number again. I've tried several times to reach a live person to dispute these accounts that are wrong and can't even speak to a human. XXXX XXXX XXXX XXXX XXXX is paid in full ... .XXXX XXXX XXXX has fraudulant charges ... ..XXXX XXXX was verified as never paid late ... .and XXXX XXXX was verified as never paid late .... ( XXXX did a proper investigation and that was the outcome and correct results ) XXXX has fixed my credit report but experian won't even let me on the system. This is not right as having this wrong information reporting is hurting my credit and causing me a hardship. I am fustrated at the fact that they won't even let me re-dispute this information nor let me online to do it.
I have contacted them on several occassions about constantly running my info when inhave not applied with them since XXXX of last year. I haved asked them to remove my information and was denied due to federal law. I just want my info removed from their system