WillisBack/dataset-financial-user-claim huggingface dataset:
Between the first and last weeks of XXXX, Medical Revenue Service, XXXX XXXX, XXXX, Florida XXXX called my work phone ( XXXX ) from XXXX approximately XXXX times. The specific dates I have noted for this XXXX # are XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX., XXXX XXXX at XXXX and XXXX XXXX at XXXX. However, I deleted the first XXXX or XXXX instances without making a record. In addition I received calls from XXXX also associated with Medical Revenue Service at my work phone on XX/XX/XXXX at XXXX. and XX/XX/XXXX at XXXX. 

In no case did Medical Revenue Service identify their business name, nor the purpose of the calls. I did not actually receive any of the calls because they were either made after business hours or I was not actually in my office to receive calls ( I took off most of XXXX on leave ). 

I have only figured out that these calls came from Medical Revenue Service because on XX/XX/XXXX I received a bill from them dated XX/XX/XXXX. The bill was originally for a date of service at XXXX XXXX Hospital from XX/XX/XXXX. I have called XXXX Hospital Billing, paid the bill, received a confirmation number from XXXX, and XXXX has informed me that they will notify Medical Revenue Service. I have separately filed a complaint against XXXX for never sending me an original bill back in XX/XX/XXXX. I had no idea that monies were owed until I received the collection letter. 

However, I want to file a complaint that Medical Revenue Service did not contact me appropriately. It is my understanding that collection agencies are not supposed to call places of employment. My message on my office phone clearly identifies the phone as a workplace phone.
When I enrolled in university XXXX XXXX I was told complete WRONG information and was lied to. One I was not explained properly about the grant and loan process. I thought they were grants that I would n't be paying back. When I talked to an advisor about enrolling I did n't know what I was doing so I was trusting the information they were providing. I had told them my goal was to become an XXXX, they told me I could start my degree online with them then later transfer to any school. So I started this process. School was easy and not a challenge they gave you most of the answers. I did this for about a year. I then reached out to XXXX XXXX XXXX XXXX PA asking if i could transfer my credits to start the process of doing the schooling with them for the XXXX program. They had told me that NONE of my credits would transfer and I would be starting all over. So I then reached out to XXXX XXXX College and even did the preadmission testing. Once my testing was completed I sat in an office with a women who looked over my transcript and completed credits with university XXXX  XXXX and stated NOTHING would transfer and I would have to start over. The whole reason I started with university of phoenix was to get my general schooling done and transfer over to a local school. WHICH THEY TOLD ME BY EMAIL and I still have it, and by phone that I could do this.. WHICH was a LIE. Due to the frustration of all of this I dropped out of school. I didnt know anything about credit, I was a single mom all those years just trying to better my self and they scammed me just as they did others. This aparently happened alot in XX/XX/XXXX-XX/XX/XXXX the years I was attending school with them. They had me applying for loans that I did n't realize was actual loans with the government. THey should be paying these loans and I will be processing a borrowers defense, as I just learned about this. This is effecting my credit because of them scamming me. I am now more educated about my credit and want things done right. XXXX has removed these loans off my credit but they are still on my equifax and XXXX have multiple of the same loans on my credit report. I have copied and pasted some of the emails.. I received alot from them.
XX/XX/XXXX Discovered via brief review of my credit, that a " derogatory account '' appeared on my XXXX Credit Report. The collection firm, " Commonwealth Financial Systems '' displayed {$630.00} medical debt. CFS 's ph. # XXXX and address, XXXX XXXX XXXX XXXX XXXX, PA. XXXX. Immediately I called CFS, spoke with XXXX XXXX and he confirmed debt was from XX/XX/XXXX. A medical debt with an Emergency Room in XXXX. XXXX said he had no further details and quickly added CFS is willing to accept 35 % of for {$410.00} to close the debt. I expressed my concern for not know of this debt nor who they were. I do not recall any calls or letter ( s ) referring to this old debt. I suggested XXXX  do more research and I will do so as well.

XX/XX/XXXX : I contacted XXXX XXXX Hospital, XXXX, Fl. They directed me to XXXX billing. XXXX confirmed I was admitted to the Emergency Room on XX/XX/XXXX, treated and released on XX/XX/XXXX. XXXX confirmed I paid my XXXX {$150.00} co-pay and XXXX paid the remaining balance, {$3200.00}. XXXX suggested I call XXXX for more billing details.

I called XXXX, spoke with XXXX, ( Employee # XXXX ). XXXX   hoped to have a response within one week.

XX/XX/XXXX : XXXX, XXXX, left voice message confirming I paid the {$150.00} Co-pay and has requested archive documents. She also attempted to contact CFS to inform I had Health Insurance in XXXX  but she was unable to reach them.

XX/XX/XXXX I received voice message from XXXX  she needed my approval to Fax selected health records to CFS to display I had Health Coverage.

XX/XX/XXXX XXXX, XXXX, left V message she faxed my E.O.B., ( Explanation of Benefits Payments ), to XXXX XXXX, ( CFS Mgr. ). EOB was itemized with 21 payments totaling {$3200.00} dated XX/XX/XXXX & XX/XX/XXXX. XXXX spoke with XXXX  who stated debt will be removed upon receipt of the EOB..

XX/XX/XXXX I spoke with CFS 's Mgr. XXXX XXXX. He confirmed receipt of the EOB but it now had to be reviewed by another team. He said it should a few days.

XX/XX/XXXX I called CFS asking for XXXX. Spoke with XXXX who stated the review will take a few more days. I expressed my frustration as CFS had the EOB document, full payment confirmation, for more than 10 days. " Please have XXXX  call me ASAP.

XX/XX/XXXX : At this juncture I question if CFS is now operating outside the parameters of the law. 1 ) State of Florida could not confirm CFS 's appropriate licensing. 2 ) It may be considered " Fear tactics '' adding a debt to a consumer 's credit report without confirming contact with the consumer first. 3. ) Now having documented proof of the EOB, direct from the Health Insurance Co, in their hands for over 10 days why has there been further delay to declare this debt paid? This may be considered " harassment ''.

CFPB, Please assist me to resolve this 5 year old issue. I do not know what more I can do..
During the month of  XXXX   XXXX ,  XXXX  i traveled out of town from   XXXX   to  XXXX   XXXX ,  XXXX . During this time i was gone from college for   XXXX   XXXX  . However a few weeks after i got back i got a letter from  Discover  saying i was denied a credit line increase request. I never authorized this as is why i claim it fails to establish " Permissable Purpose '' as noted in the FAIR credit reporting act. I have been with discover for nearly a year and a half. In the past i submitted an aplication in  XXXX  and my credit card application in  XXXX   XXXX . I have never had an issue with the company up until now. During the year  XXXX  i found an error on my   XXXX   credit report of a company named "  XXXX   XXXX    XXXX   ''. I had never had contact with this business as is why i disputed and placed alerts on all my reports. I extended the alerts and the companies are notified that i have to be contacted before extending any credit. After filing a previous complaint discover insists i made this credit line increase request. I will continue to dispute that i authorized the request because i did not apply for any credit. It is to the best of my knowledge to state i still have  those alerts on my files. I recently received correspondence from Discover Executive office of Customer Advo cacy, stating they will not remove that information.
Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies.

I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate.

Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts.
I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXXXXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and connot verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that i have disputed. Please resolve this manner as soon as possible. Thank you.
Wells Fargo stated that XXXX XXXX holds loan to this loan and when I call they stated that they do not hold this loan and to call Wells Fargo Back trying to remove the PMI insurance on this loan
I reported unauthorized charges on this account and Barclays is billing me for this fraud charges that occurred on this card. LUXURY CARD ... XXXX. 
The balance should be XXXX. I have been on the phone with Barclays and I have been passed to department after department with no help on this matter.
My student loan servicer, Nelnet, harasses me and threatens me with default even though I have made regular, steady payments. Often more than one payment a month. On my credit report, my loans are reported as XXXX different accounts. When my payments are made, Nelnet applies them to just XXXX accounts. The other XXXX accounts appear to have no payments at any time. I have inquired to Nelnet and they have never responded. They continue to send me letters, emails and leave phone messages requesting additional payments..
Credit bureau dispute. False late payment reported by creditor to bureau. Error in their statement and billing cycle. Would like a updated past due history on account. Error by creditor not willing to correct in violation of the FCRA. Effecting loan applications for home purchase. Want removal of late fee from credit report not a request to validate. Have constructive payment history, signed up for auto pay, theyve returned my late fees but wont report to credit bureau of error in system.
On XXXX XXXX, 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan. 
I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate. 

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- IXXXX XXXX XXXX 2- OPENROAD LENDING One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
My mother had a reverse mortgage with reverse mortgage solutions. After she died we put the home up for sale we were supposed to close on the loan on XX/XX/XXXX we in order to pay off prior to that on XX/XX/XXXX and the lender placed the home in foreclosure on XX/XX/XXXX
XXXX XXXX XXXX we all know recently closed I had just gotten a credit card within 2 months of them closing had no idea they were closing they reporting it as a closed account and it's being reported on my credit I did not close the account they did because they went to bankruptcy the company said that their standard policy when they file bankruptcy I worked hard to get my credit good and I don't want a bankrupt company to mess it up
XX/XX/2018 I was admitted to the hospital with XXXX problems. Since that time I have been hospitalized five times and under went XXXX removing half my XXXX. I have been unable to work since XX/XX/18 and have no source of income. 
I contacted NAVIENT three times by phone trying to defer the payments until I can return to work. They refuse to do anything stating my co-signer can pay the premium. The cosigner is my mother with whom I have had to move in with and who is paying my other bills such as health insurance needed to cover the massive cost of my health care. 
I asked NAVIENT to work with me and they refuse to make any changes. 
I fully intend to make payments on this loan, but currently am unable to. They are sending bills to myself and to my co-signer and adding late payment charges. 
All I am asking is that they hold off on payments until I can return to work hopefully in XXXX.
I have a very small company structured as a partnership that has been in business more than 30 years. We have had a credit card account with Chase since XX/XX/XXXX. XX/XX/XXXX, our interest rate was suddenly increased by 10 percentage points, to 23.15 %, a 76 % increase. 
We did n't see this increase right away. After we did see it and Chase refused to talk with my office manager/accountant, I put off calling because I knew this was going to involve considerable time, which I do n't have most of the year. It has indeed involved a lot of time -- two days so far. 
On Friday, XX/XX/XXXX, I called Chase simply to ask that the interest rate on this card be lowered to where it was before it was increased. The supervisor I talked with, XXXX, refused to lower our rate and said there was no one at Chase that I could talk with who could do this. Our only option was to write to Chase to express our displeasure. I am doing that at the same time I 'm submitting this complaint. 
According to Chase, our rate was raised because of XXXX late payments XX/XX/XXXX and XX/XX/XXXX. But as the attached scan of the relevant statements makes clear, we never should have been charged either of these XXXX late payments. 
The first was a payment we supposedly did not make on XX/XX/XXXX ( for {$520.00} ). However, we did make this payment on XX/XX/XXXX ( {$800.00} payment ). We purposefully paid early and paid enough to cover upcoming charges, including interest. 
When we got a late fee notice for this payment, we went ahead and paid the " past due '' amount of {$520.00}. This should have been seen as our XXXX payment, as notated by my office manager/accountant on the online payment receipt. At that point, our " minimum due '' payments for XX/XX/XXXX ( {$520.00} ) and XX/XX/XXXX ( {$580.00} ) added up to {$1100.00}. However, our actual payments added up to {$1300.00}, {$220.00} more than the amount due. 
Nevertheless, we were again charged a late fee on XX/XX/XXXX. In response, we made a {$1100.00} payment on XX/XX/XXXX. On XX/XX/XXXX, we made another payment for {$5000.00}. On XX/XX/XXXX, we made a payment of {$2500.00}. 
Despite having paid Chase nearly {$10000.00} during the previous five months, starting in XX/XX/XXXX, Chase raised our rate to 23.15 %. Chase also did this despite the fact that, prior to XX/XX/XXXX, we had no late payments for at least two and a half years ( as far back as we have printed statements ). 
I 'm sure Chase will say that our payment of XX/XX/XXXX could not be applied to our XX/XX/XXXX payment because we made it three days too early. As a result of that, we have had to pay more than {$3000.00} in additional interest, despite our long credit history with Chase.
Bank of America commits felony by using fictitious names, see the federal law, USC violation prima facie evidence!!! FELONY CRIMINALS!!!!! NOW YOU MUST PROVIDE A VALID RESPONSE AND STOP REPLYING WITH YOUR XXXX!!! YOU NO GOOD XXXX!! 
NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 
As XXXX 's Law Dictionary explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to " volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. 
[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for " inventory '' control purposes, similar to the XXXX XXXX 's manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America does not provide full disclosure on their " contracts for life '' and they fail to show clarity and validity of applicable terms to perform under their rules, wat is shown is presumptions and proven criminal willful intent to defraud and steal and lie, just the tactits they use to XXXX people on mortagages and steal houses that already been paid for multiple times. These are professional criminals and they do get caught and just pay settlements, but just XXXX more people to make up for it. Very sad they arent shut down. XXXX
Experian is reporting falsely on my account and I asked them to verify the accounts since they are not mine. They lied in their response to me that they contacted the courts and verified by sending someone to the courthouse. They asked me to contact the court. I did contact the court by phone and mail. I was advised they did not furnish the information to the bureaus and also sent me a letter indicating they did not verify as such. Experian flat out lied and violated FCRA rules. Additionally, I have asked for the procedures and their source for having this info on my report as I believe they are using third party information that is inaccurate to report. This hearsay is causing me harm and I will have no choice but to sue after repeated attempts to get them to delete the records. Experian is the only one to disregard these notices.
Back in XXXX XXXX my credit card was fraudulently used on multiple transactions. While Capital One was quick to issue credits for the fraudulent charges. However XXXX 3 charges were charged back to my account. XXXX XXXX XXXX # XXXX for {$550.00}, XXXX XXXX for {$160.00} and XXXXXXXX XXXX # XXXX for {$330.00}. Despite being given the police report and FTC affidavit identifying these transactions as fraud Capital One Decided to hold me accountable for them. I immediately redisputed them, speaking with a case manager who told me she would have them removed back in XXXX XXXX. Over the next few months I called in multiple times to inquire as to the status of these fraudulent charges and was always told the case manager would have to call me back. Yet I never received a call back. 

Finally I spoke with a Fraud Account Manager who told me because they suspected the charged where domestic fraud even though it was clear I did not make the charges they would not get involved or honor their fraud zero liability stance as advertised and written in the the credit card agreement. 

Under 15 U.S. Code 1643 - Liability of holder of credit card then Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card have been met. In no way has Capital One fulfilled this requirement. Instead they have shifted the burden of proof onto the consumer in violation of this law. 

Then Exclusiveness of liability of a cardholder incurs no liability from the unauthorized use of a credit card. Regardless if the possible suspects may or may not be known the to the consumer as long as the consumer never gave them permission to use the card. Capital One is violating this law as well.
Nationstar mortgage is not applying payments automatically to our " amount due ''. Rather, they are treating certain electronic payments as 'principal payments ' or essentially bonus payments leaving us with a late fee and an unpaid bill. This is beyond absurd. We made our monthly required payment and it should *automatically* go towards our amount due. Had we neglected to look at our monthly statement we would have missed the fact that we incurred an {$80.00} late fee. *****One ca n't help but wonder how many unsuspecting customers of nationstar are being hit with such fees unbeknownst to them. I encourage your agency to look into this matter further.
My name and my birthdate is incorrect. My name isXXXX XXXX XXXX not XXXX XXXX XXXX XXXX not XXXX XXXX XXXX XXXX or XXXX XXXX all this is wrong! My birthday is XX/XX/XXXX not XX/XX/XXXX th XXXX This needs to be corrected
Every transaction for the CitiBank issued credit card was transacted by XXXX XXXX, Founder and CEO, on behalf of XXXX XXXX XXXX. The card was issued under the name XXXX XXXX XXXX, yet CitiBank was already aware of the card 's intended use and the card was obtained for XXXX XXXX XXXX. XXXX XXXX sent an initial message to the Head of Customer Service and received a response that was an outright lie that his account number could not be located. XXXX XXXX sent a second message noting the applicable illegalities with the only " legal '' option being account closure with any further contact being illegal. The communication of only ( 2 ) messages is easily retrievable. CitiBank called ( 3 ) times within only 5.5 hours on XX/XX/2018. I would like them to never contact me again, but it seems they believe laws of the US do not apply to their organization. Apparently, the majority of financial institutions engage in incessantly intrusive and harassing activity for personal enrichment.
I recently filed a complaint with the CFPB regarding a dispute of a charge with  XXXX . The amount has always been in dispute. As a result of that complaint, t he President 's offi ce of  XXXX  agreed to remove all late charges and interest from my account and I am now in a billing cycle in which I can pay the charge with no fees.   Nevertheless,  XXXX  reported my account past due with late payments assessed to all three major credit reporting bureaus. I have disputed this reporting with all three credit reporting bureaus and Experian has responded with an unsatisfactory result.
Dear sir/madam, as I was going through my credit report on XXXX and XXXX negative report on my credit. The negative report was from PORTFOLIO RC, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my XXXX credit report. I am requesting that PORTFOLIO RC or any of it affiliates should remove such negative statement from my credit report