WillisBack/dataset-financial-user-claim huggingface dataset:
I honestly do n't know who is worse, this shady/crooked " law firm '', or the medical group that hired these XXXX. My wife, who was off of work due to a high-risk XXXX, while I myself was XXXX, had to have an emergency XXXX due to complications with labor. After the emergency XXXX, she got an XXXX, which made her be off from work even longer than expected, a total of 12+ weeks. Even with short term XXXX ( 60 % of pay ), with a family of four, with a house and other expenses, the medical group sent her/our account to these XXXX for collections, a mere 4 months after the procedure. Do the math, that put her back to work for one month, when the medical group and these bullies, collaborated to bring a suit against her. We never heard anything from this firm of XXXX, until I happened to be browsing our State 's court system website, checking on another matter, that I came upon the case opened. We dug through our stack of bills that we struggled to pay as we could, and I came across the bill for the medical group. I immediately went online to their bill payment system, and even though we did n't have the money really, pad the bill in full, per the amount showing on her account number. I contacted the medical group, and then called this firm to speak to the attorney who opened the case, XXXX XXXX. Instead of having enough fortitude to speak to me directly, she hid in her office, and I had to deal with some bargain basement paralegal, who copped an attitude with me, telling me that we owed an additional {$160.00}. I told her that we settled the bill, and since the case had n't actually been in front of a judge, that we were not paying for any court fees, etc., and that if she/they had a problem with it, to contact the medical group, whose bill was PAID IN FULL. She gave me all the attitude of a spoiled little, daddy 's girl, debutante, that I could handle, and I finally just hung up on her. Fast forward a month later, and these XXXX seriously went to the trouble and effort of opening a case for that additional {$160.00}, which we were not aware of at all, until a judgement had already been made, making it impossible for our side of the story to be heard in open court. It is people of such low morals, with their elitist, bourgeoisie enabling mentality, that fight for the already rich, to take from the poor, to make the rich ( themselves included ), even richer. Preying on working class families, and potentially taking food out of the mouths of small children. 

If you own a business, do not do yourself the disservice of hiring people like this. In one case, you 're only out money for an unspecified amount of time, and in the other, you have sold your soul to the XXXX, or some other form of XXXX XXXX.
I had open an account at Santander in regards for a line of credits for my small business, that I was advise from a lady name 's XXXX that work for Santander branch in XXXX ma. Following that my had set up a contract with paycheck for HR services that was paid to my XXXX XXXX XXXX for some reason service never being done and paycheck had been using the money that I had open the account on XX/XX/2017 which I had never received no invoice from them, and I found out that through another bank that I was trying to open a business account for credit line they told me that I can not open it because I had a red flag on my name. I hat went to Santander branch in XXXX ma which they give a number to call, when I call that number they asked me to pay them {$200.00} for them to help me. I find that unfair and I am asking for your help please.
XXXX XXXX XXXX  HAVE LIENED MY PROPERTY FOR {$50000.00} FOR THE DEBT THAT BELONGED TO MY EX-SPOUSE. I ATTEMPTED TO CONTACT THEM TO REQUEST A LIEN RELEASE BECAUSE THIS WAS NOT MY JUDGEMENT AND WAS NOT MY LIEN AND WAS NOT MY CREDIT CARD IN FIRST PLACE BUT XXXX XXXX XXXX  ASKED FOR MY PERSONAL INFORMATION SAID THEY WOULD RELEASE THE LIEN INSTEAD THEY NOW CALLING ME THREATENING TO ARREST AND GARNISH WAGES IF I DON'T PAY THIS JUDGMENT FROM 2011 THAT BELONGS TO MY EX- WHO IS NOT ON MY PRORTY. I SENT THEM SEVERAL LETTERS SINCE XXXX OF LAST YEAR WITH NO RESPONCE FROM THEM. NOW THEY ARE CALLING MY WORK IT IS EBARACING BUT THEY ARE LEAVING MESSAGES WITH RECEPTION SAING THAT I HAVE A WARRANT OR SOMEONE WILL ARREST ME IF THIS IS NOT PAID. HOW IS THIS OK .... THIS IS NOT A LEGAL LIEN AND SHOULD NOT HAVE BEEN ALLOWED TO BE LIEND ON MY HOME PLEASE HELP HELP HELP
XXXX XXXX XXXX XXXX I paid {$190.00} to XXXX by Postal Money Order and have call them month after month to remove this from my credit report and it still shows and they keep telling me that it should not be on there. This has been going on since XX/XX/XXXX every month they tell me it 's not on there and they have requested from XXXX XXXX XXXX XXXX to remove it but nothing. 

The information show collections in XX/XX/XXXX is wrong
Opened a account at XXXX XXXX had fraud when disputed itThey said no problem opened me a new accountApparently they then decided new was opened to soonAnd they closed it without my knowledgeThey also applied for a credit card for me I did not authorizeOr ask forI then went to another bank to open a accountAnd was told XXXX report me to check systemFor suspected fraud? I 've been trying to get corrected for5 yrs now ca n't get a account anywhere!
I have had this account for over 12 years and now I am being told that the mother 's maiden name listed on the account is not what was submitted when the account was opened. my debit cards keep getting blocked and I have to use cash to make purchases and when I call in to get these resolved I get blocked by the mother 's maiden name issue.
I was treated by XXXX XXXX for a XXXX issue. I was never told/disclosed any charges during the treatment and was told by the practice that our insurance will " cover '' it. After the treatment, we were sent an unexpectedly huge bill ( $ 1800+ ) for a minor procedure by a nurse practitioner ( not MD or surgeon ). We contested/appealed the charges to the clinic/hospital numerous times. 

Then, at one point ( around XXXX 2017 ), upon our numerous written protests, they sent us a bill for {$120.00} ( only ) and when we called to confirm and pay, we were assured that it was the only outstanding charge on our account. We paid that promptly and assumed that this matter was settled. 

However, a few months later, an {$1800.00} ( appx. ) charge appeared on our account and XXXX started sending bills again. There was no indication of our earlier ( {$120.00} ) payment in the new bill. We have written numerous letters, and provided documentation that we paid ( at least at one point ) all outstanding charges, and that we dispute all other charges, but to no avail. XXXX ultimately turned over the debt to a collections agency ( XXXX XXXX XXXX ) It is our belief that our initial charges were discharged by XXXX XXXX and that they assured us that we only owed {$120.00}, which we paid. We think the re-appearance of appx. $ 1800+ a few months after the account was cleared of any charges is unfair and we no longer should be responsible for charges that were cleared from our account. 

Now debt collection agency ( XXXX XXXX XXXX ) insists that the charges are valid, despite our written assertions otherwise. Thank you for your attention.
Disputed several time to credit bureaus of account was a result of identity theft and provided a police report. I also contacted the collection agency to notify them of the inaccuracy of this account and received no response or help.
Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry.

Inquiry # 2 XXXX Inquiry from XX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry.

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX- I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 5 XXXX  Inquiry fromXX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.
I Inquired about a refinance of my home with Quicken loans. I was told my interest rate would be 3.5 % and my closing costs would be {$2500.00}. I received in the US mail documents for me to sign showing that my loan costs were over {$4900.00}. I was asked to give a {$500.00} Depost for the apprasial. I have had no apprasial done as of yet and I have cancelled my loan with Quicken. I want my deposit back as I was mislead about the amount of closing costs. I originally spoke with XXXX XXXX # XXXX. I feel he lied to me to get a {$500.00} deposit. He also told me the {$500.00} would be deducted fromy closing costs. The paperwork does not reflect my deposit. I feel scammed. Now that I want out of this loan, nobody is communicating with me regarding this matter. Quicken Loans operates a scam to get people to pay {$500.00}.
I 've attempted to set up several payment plans, I never get written communication verifying that payment plan and then when I call back they said it does n't exist or that I never paid and wont set up another one. They are very rude, they threaten, the make judgmental statements about you. I 'm willing to make monthly payments but they wont make the amount something that fits within my budget and they are now saying they will garnish my paycheck without letting me make payments. They are the worst company! I do n't even know why a hospital would ever use them!
I have not been able to pay any bills or pull any money from the ATMSince XXXX XXXX, I had a bill pay deducted from my account on XXXX XXXX which has not been received by my credit card company, If consumers are receiving late fees, possibly a missed payment on their credit report that could be devastating to someone like me who has great credit. Its been 12 days since I had access to my cash.
This complaint involves XXXX XXXX and XXXX XXXX. I tried settling this debt many times and finally could not access my account at all. XXXX no longers uses XXXX XXXX and they keep trying to collect from small consumers instead of suing XXXX. I paid and paid on this debt and it never seemed to go away. I am being harassed by a 3rd party debt collection agency with repeated calls daily trying to collect on a debt I do not believe I owe. The bank is ruining my life and credit score and I am in the process of trying to sell a house. I have a bank account with XXXX XXXX with money in my account from Social Security that I can not even access because the bank repeatedly closes my account because I have suspicious foreign transactions occuring. This happens every month around the first week of the month. I have told XXXX XXXX that I made the transactions and yet this happens every month. To add to the problem I am XXXX Veteran married to a foreign national who has every right to stay in this country despite the fact she is not a citizen because she holds a green with a 7 or 10 year status.
Approximately  XXXX   XXXX ,  2017  I sent a copy of a certified letter and a copy of a returned mail to Equifax stating and showing they are reporting inaccurate information so I asked them to delete the account and information. The envelope was addressed to  XXXX   XXXX .
I am a former XXXX customer that has billing issues that the company has not been able to resolve through normal channels, despite numerous ongoing attempts by me. I canceled my phone service to XXXX on XX/XX/XXXX and paid off the service account at that time. The phone ( equipment ) was paid off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX leaving me with no balance for phone service or equipment. In XX/XX/XXXX I received a bill for phone service. I tried to access the account on line but I could not because the account had been paid off and closed down. I called XXXX to find out why I was receiving a bill. I spent hours on the phone because they could only see that the account was paid off and closed down and could not understand why I received a bill. After many transfers and several hours, I finally talked to someone that said that they could see that the bill was a mistake. They assured me that the account was closed with no balance. I was told that the issue was resolved and I should ignore the bill. In XX/XX/XXXX I received another bill for phone service. I again called and spent hours on the phone trying to resolve the issue until finally someone assured me that the account was closed with no balance. I was told that the issue was resolved and I should ignore the bill. This went on month, after month, after month, after month ( at least XXXX months ). Finally I decided to take their advice and start ignoring the bills that your company can not find a way to resolve. Now my account has been sent to collections and my otherwise perfect credit is ruined. Sunrise Credit Services , Inc. XXXX XXXX XXXX, XXXX , NY XXXX, ( XXXX ) XXXX is trying to collect {$210.00} & my otherwise perfect credit is ruined.
I sold an item on XXXX. Payment was made by the purchaser to my account on PayPal.com. PayPal.com has seized my {$28.00} and refuses to make these funds available to me. They will not provide my funds nor provide an explanation for this seizure of funds.
Transunion has not deleted a Tax lien that was filed in error. I disputed this XXXX times with the Transunion only for it to come back verified. I have provided XXXX letters from the original creditor ( XXXX ) explaining how it was filed in error. I have also provided a letter from the source ( XXXX County Recorder ) also indicating it was filed in error, yet it remains on my credit report. XXXX and XXXX removed this item immediately upon receipt of the documenation I have attached. I am asking requesting intervention by the CFPB to act for removal of this tax lien clearly filed in error.
Bank of America sold my mortgage loan to XXXX, XXXX. on XXXX XXXX, XXXX with XXXX Mortgage XXXX as the new servicer. Yet, three days later Bank of America with no further interest in this mortgage, scheduled the home to be auctioned, on their behalf, on XXXX XXXX, XXXX then rescheduled by them, for XXXX XXXX, XXXX.
We were on a second payment plan with Wells Fargo Home Mortgage. Our first one we had a problem with someone hacking our bank account and causing our final payment to bounce. Our home preservation specialist at the time a gal by the name of XXXX XXXX was not able to get her manager to extend that final payment and we started another payment plan for three months starting in XXXX. We then had to be transferred to a new home preservationist by the name of XXXX XXXX XXXX. XXXX is a far cry from XXXX in that XXXX will not get in touch with us if a problem arises that we could have fixed. After we made the final payment on the plan on XX/XX/XXXX, we received an email asking for a call. Called her back on the XX/XX/XXXX, and this was one of the few times that were able to speak directly with her. On other occasions could not get in touch until sent a bit of an angry email to her regarding how the payment plan was going to be paid each Friday at a branch. Feel like that Wells Fargo put us with a home preservationist to only have us fail in our attempts on the payment plan. On XX/XX/XXXX gave Ms. XXXX a payment of {$20.00} and at that time was told to expect paperwork for what happens next. Said paperwork was not received and then get email from her stating Wells Fargo had denied our request. Email made no sense and in that we never made any request for assistance. Explained that no paperwork had been sent back in an email that no paperwork was ever received and to explain. Still have not received paperwork or new paperwork about being denied either. Can provide all receipts that show that the payment plan was paid in full and that the {$20.00} was also paid. This is a second complaint have filed over this problem and no one at Wells Fargo will address our concerns only send letters stating need more time. They are setting us up for a fail in our minds.
Requested an investigation because of inaccurate information on my credit report. In the dispute I requested that the information be deleted. I made this request on XX/XX/2016. Equifax received the letter on XX/XX/2016, USPS Tracking Number XXXX. I just received a response today. The response was in reference to a second letter that I sent to them. Per the FCRA all items are be deleted if the investigation was n't conducted within 30 days.
On XX/XX/XXXX I received a denial letter from Chase saying that the investment property in which I initial ask for a modification on was denied. There was only XXXX program that fit the scope of modifying my investment property which was a Home Affordable Modification XXXX Tier XXXX XXXX. The other programs listed several reasons why I could n't qualify for the other programs but the Home Affordable Modification XXXX Tier XXXX ) simply said the debt to income ratio could n't be calculated within the acceptable range of 25 % to 42 %. Based off the underwriter using a gross rental income of {$910.00} XXXX based off XXXX lease and not XXXX leases for this XXXX building XXXX it was easy to sumise that they needed all of the leases. I submitted all the perpective information by the end of XXXX with updated information and all of the leases. On XX/XX/XXXX I received another letter saying the modification was denied. After reading again through all of much the same information I came upon the reason it was denied in coralation with the Home Affordable Modification XXXX Tier XXXX XXXX. It now stated that Chase services the mortgage on behalf of the insurer and can only approve certain programs. Not only was this statement not on the first denial ( hence I would have never reapplied ) but it gives the impression that Chase strung me alone putting me in a deeper financial bind when they never was able to offer me a modification on an investment property. The entire process started XX/XX/XXXX and I received my first letter of decision on XX/XX/XXXX. I was informed by Chase that in accordance with my loan I could receive a modification on my investment property. Years later I find that they never intended on helping me but instead gives me misleading information, lies, ambiguious language, contradictory approvals and eventually sends me more in to a deeper financial whole. What Chase has done is not only morally wrong, but legally wrong to a homeowner. It goes against the principalities of what banking and Finance, consumer protection Federal bureau, and any other entity that oversees money and finance when it come to the public interest. Due to the uncertainties of the denial and the truthfulness of them Im still not sure if Chase offers a modification program for investment property. If Im to go buy the first denial letter I would say yes given the denial reason but if I was to go by the second denial it would be no which means this whole process has been not only a scam to further place a homeowner is a detrimental financial state but a waste of tremendous time. I also noticed that the eligibility data was not included in the new decline letter ( hmm I wonder why ).
Hello. I missed a payment with a company called SpeedyCash. I called them, apologized, and promised that I would pay them on my next payday. I asked them to stop calling me. In spite of my contacting them in good faith and my promise to pay, they have continued to call me even though I officially asked them to stop. I have written them a Cease and Desist request as well. -- -
XXXX  appears on my credit-report ; Requesting the inquiry be deleted. Already removed from my  XXXX  credit-report.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS DATE:XX/XX/XXXX IN RESPONSE TO CFPB : XXXX RE :  Request for reinvestigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXXational Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All BankXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Personal Loans Cos inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX
In XXXX I purchased my first car from XXXX XXXX, Ford Motor Credit actually financed the deal for me. The car was repossessed in XXXX. This information is still being reported 16 years later. I 've worked with the Credit Bureaus who advised I needed to contact Ford Motor Credit directly. I reached out to Ford was transferred to a couple different departments and left a voice message. I received a call back from someone who said they were looking into it. Yet and still this is still being reported on my credit as an OPEN account. I 've been denied credit due to repossession recently and this is the only repossession in my history. This has made my credit appear worse than what it is. I 've struggled trying to clean up my credit even recently filing Chapter XXXX Bankruptcy which is now discharged. Still this account remains.
We submitted a complaint with your company. Nationstar customer care contacted us and told us we could reapply for making homes affordable even though we got an auction date. Our auction date was XXXX XXXX. We got our paperwork faxed over to customer care at nationstar on XXXX XXXX. By making homes affordable rules you must have paperwork in 7 days before auction. I stayed in constant contact with the representative. On XXXX XXXX I received an email from XXXX XXXX at nationstar that she was going to check on the status of our application. We never heard back from her until XXXX XXXX stating that we had our home auctioned because they never received our application. I have the transmittal showing XXXX pages were faxed on XXXX XXXX.
P & B LLC CALLED YELLING AT ME THAT I OWE A DEBT THAT WAS PAID OFF YEARS AGO. 
THEY ARE THREATENING TO SUE ME. 
THEY REFUSED TO SEND ME PAPERS OR DOCTUMENTATION IN THE MAIL. THEY STATED " WE ALREADY SENT IT ONCE WE WONT DO IT AGAIN '' THEY CALLED FROM AND AZ NUMBER AND THEY ARE LOCATED IN NY. THIS IS ROBO CALLING. 

This is a scam. 
I do n't owe anything. 
There are hundreds of blogs about them doing this to other people and they should be shut down. 
The address given is as followed.