WillisBack/dataset-financial-user-claim huggingface dataset:
I apparently had a balance on a medical service that I recieved from  XXXX   XXXX  Hospital. I had paid the up front deductible at time of service. I never received a bill or notification of a balance owed not covered by my medical insurance. I only discovered this myself because I have  XXXX   XXXX  on my smart phone. I 'm in the process of refinancing my home. I found a derogatory mark on my credit. I called  Professional Finance Company.  Right away they said this was an attempt to collect a debit. I ask was debit they said it was from  XXXX   XXXX  Hospital but could not tell me what the charges were for. I had to contact them myself. Which I did it was like pulling teeth. They said since it had gone to collections it would take some time to find out what it was for. many days later I found out what it was for and I called the  Professional Finance Company to  pay this debit and I was told it had already gone to the courts and I was already served. I had never received anything from the Collector, Courts or Hospital in regards to my debit. Not only was I change my original balance, interest and court fees. How is it possible for them to hurt my credit but also my creditability in my town. Without any notice. I did all the work. They can just SAY they sent me notifications and that proof enough?
I am seeing a debt on my credit reports XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services I had no idea who this agency was, nor was I aware of said collector until I applied for a vehicle loan I had never had any communication with them in the form of email, regular mail and or phone call regarding this debt of {$2300.00} Upon our Lawyers advice we wrote to this Agency asking for verification of said debt The letter was very precise and specifically asking for the following ; to provide any and all competent evidence that I have any legal obligation to pay them Specifying that I had no contract with this Agency for said debt I wrote this letter in XXXX of 2018 and sent it Certified Return Receipt Requested After a little over a week I received the confirmation from XXXX that they signed and received my request for validation letter ( signed return receipt was delivered to me ) As of this date I have still not received any validation from this Agency nothing that legally validates any obligation or contract to pay this Agency - no proof of any correspondence with this Agency I have not received any correspondence and/or phone calls I have never spoken with any individual from XXXX / XXXX Resurgent Capital Services They are still reporting to all 3 credit bureaus!
I applied for a Chase Freedom Card that pays 1.5 % back and was turned down for down for the card for some reason. I called Chase on XXXX at XXXX and spoke to a representative. I specifically asked the lady if I could change XXXX of my current credit cards over to the new Chase Freedom Card and still get the {$150.00} credit applied to my account if I spent {$500.00} or more in the first 3 months of having the card and the lady told me I could. 
Chase then mailed me the new card and I in fact spent {$500.00} and more in the first 3 months. Around XXXX, I called Chase to find out Why I never got my {$150.00} credit. They told me I could not get the {$150.00} because my account was not new. I told the person I spoke to what the lady had told me about being able to get the {$150.00}. 
The lady referred my complaint to marketing and said they would be back with me in XXXX to 10 days. I never heard back so on XXXX XXXX, XXXX, I called Chase again. I spoke to a supervisor who reviewed the marketing departments findings and he even told me they had reviewed the phone call I made on XXXX XXXX, XXXX, and found where their employee told me I would get the {$150.00} as a statement credit if I spent {$500.00} or more in the first 3 months of the account being open. However, he told me this was a mistake by their employee and they had no way of giving me the credit since my account was an existing account since XXXX. So, even after finding I accepted the new card based on what I was verbally informed by their employee, they would not honor what I was told! I feel this is very wrong and is most likely illegal, as a company as large as Chase MUST stand behind what their employees inform customers! Further, it appears that Chase is willing to take better care of a brand new customer than a loyal customer of 24 year which is very, very poor business! If chase ca n't honor and stand behind what their employees tell customers, I will NOT be a customer for much longer, as they have violated my trust and banking is based on trust!
I have been battling with XXXX and Navient since 2012 about a misapplied forbearance that caused me XXXX late payments on my credit report. Even though I have never missed a payment, my disputes have always fallen on deaf ears. I even truly feel that the XXXX employee who initially made the error might have been negligent on purpose. 

The delinquencies are XXXX Signature Student Loans, which were reported delinquent in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2012. The actual occurrences of the delinquencies were in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2012. That is the first error. The second error is that the forbearance was to be applied to the starting in XX/XX/XXXX so the account would be brought current. This should have eliminated the chance of account delinquency. I would have, and should have, been been enrolled in the program without any credit bureau reports. The reduced rate repayment plan began in XX/XX/2012, which was paid as of XX/XX/2012, on my account history. The forbearance and repayment plan were a huge repayment triumph for me since my previous dues were so high I could not afford them, and then they were dropped significantly. But now, because of the forbearance error, these XXXX Signature Student Loans ( each showing three months late ) equate to XXXX delinquencies/late payments on my credit report. They have affected my credit score so badly that I can not even qualify for new school loans if I choose to go back to school. This is true, even though I have dedicated myself to loan repayment in full and have prioritized XXXX/Navient above all other responsibilities. No certified letter has done any justice. Attached is the original certified letter which is nearly what I 've expressed here in the complaint.
ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. ATT : EXPERIAN- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX/XXXX XX/XX/XXXX 3. XXXX XXXX XXXXC XX/XX/XXXX  4. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 7. XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX 9. XXXX/XXXX XXXX XXXX XX/XX/XXXX 10. XXXX/XXXX XXXX XXXX 11. XXXX/XXXX XXXX XX/XX/XXXX  12. XXXX/XXXX XXXX XX/XX/XXXX 13. XXXX/XXXX   XXXX 14. XXXX XXXX XXXX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX/XXXX XXXX XXXX  17. XXXX XXXX XXXX XXXX   XX/XX/XXXX 18. XXXX 19. XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
My husband and I have a car loan with BMW through XXXX. Our payment is {$500.00} a month and which we signed up for. We 've had difficulty making our payments the last few months. We asked them to refinanced it and they said we were not approved. We told them more than once that it is hard to make our payments and they have not given us any relief.
I wo n't bury the lead ; Wells Fargo lost {$20000.00}. 
In XXXX, I refinanced my mortgage with Wells Fargo and wrapped about {$20000.00} into the mortgage, keeping the line of credit open. ( Credit limit ; {$20000.00} ) Since then I drew {$5000.00} on the account. To my horror, I received a letter two weeks ago that my account was in default, I was over my credit limit and that the balance due was {$25000.00} ( impossible since I had just paid down {$20000.00} ). I assumed this was a simple clerical error that could easily be resolved. However Wells is insisting it wired the XXXX to my title company. Why they would do this I do not know. However, they have been unable to provide a wire transfer number and my title company has not received the money. 
I have spent at least an hour on the phone every day for the past 10 days. The lawyer at the title company has done the same and yet every time we call we get a clueless customer service person who promises to open a ticket. 
This is a most urgent concern since Wells claims I owe {$5000.00} by XXXX XXXX or the account will be in default.
I refinanced my condo mortgage earlier this year through  Axia Financial. My loan officer  was  XXXX   XXXX .  <P/> I was given a rate ( that I was told I was locked in at with no other stipulations ) and terms of the loan refinance and the ball was in my court to follow through with the actual signing to close the deal.  <P/> When I followed up to go through with the loan refinance I was told that the window for locking in the rate had passed and that I would have to pay {$500.00} + dollars to keep the rate that I was quoted previously, when I had not been told this time deadline previously. At the very least that seems shady.  <P/> Moving forward, the first notary that was sent to my house had the wrong loan terms.  <P/> Next, I was told that I would get a roughly {$2500.00} check back from my old escrow. I received a check for only {$300.00}.  <P/> On top of that I have now spent countless hours of my own time calling into my new bank because the insurance given to the new mortagage bank was incorrect and I ws told that my personal content insurance and property taxes would be handled through an escrow account, which I paid. Now my mortgage bank,  XXXX  is telling me I do n't even have an escrow account.  <P/> On top of that, I was told multiple times by  XXXX   XXXX  that I was insured and that my escrow company had the money to pay my insurance. I was sent a letter from  XXXX  that I was insured. When I was in fact not ensured because  XXXX  did not pay my insurance company. To further complicate the matter during that time I had a {$3000.00} mtn bike stolen.  <P/> I have since learning about the fact that I was not insured purchased my own insurance and have spent countless hours on the phone with my insurance company, my bank and none of the information that anyone has received through my refinance process has been correct and now I am left to sort it out.
Insurance payment from my escrow account was not made in time to my insurance company thus leading to late fees and cancellation notices to homeowner. Monies were withdrawn from my escrow account TWICE ( XX/XX/XXXX & XX/XX/XXXX ) thus lowering the escrow account value below allowed limit allowed by Federal law. This appears to be an error since the money was placed back into the escrow account at a later time ( XXXX ). The error does impact the calculated low value for the escrow account unless special provisions are taken. This new " low value '' for the escrow account will or may cause damage to me by increasing my escrow required payments next year after the annual escrow required payment calculation. 

Late fees of {$10.00} were added by the insurance company. 

Cancellation notice sent to me by the insurance company. 

I continue to get letter in the mail requesting that I pay the late fees to my insurance company ( XX/XX/XXXX ).
Equifax was hacked and di n't properly keep my personal information protected. This breach puts me and millions of others at risk ... this is further exacerbated by the fact that Equifax handled this breach terribly. They did nothing to notify the public over the past several weeks, and I instead learned about the issue via social media. And they have now put the onus on us to figure out next steps and make sure we are protected. 

This is especially ridiculous considering I have never personally chosen to do business with Equifax - any business relationship I have with them is indirect. They are used by companies that I use ... so it 's rather disconcerting that a company I have never used in any form personally could affect me ( and countless others ) in such a negative way.
Equifax claims that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank have stated that the account info is mine. On XXXX XXXX, I called all XXXX banks and all XXXX states that the investigations were ongoing so no information had been reported to Equifax as of XXXX XXXX, 2016. I called Equifax after getting off the phone with XXXX Bank and they claim the companies did verify the information and had no idea why they lied to me. When I asked for the verification they received, I was told that was not how the process worked and then was transferred to a supervisor who then asked me if a fradulent address appeared on my report and when I answered yes, I was told I need to talk to the fraud department. I thought I had talked to the fraud department the whole time. How are you allowed to hold people 's lives in your hands?
I apllied for a XXXX Credit Card and Equifax, minused my Equifax score by XXXX points. My score went from XXXX to XXXX in 24 hours. This is not fair. I was only applying for a credit card to have revoling credit on my credit report in order to purchase a home thru FHA. They have ruined my chances of purchasing a home by minusing my score by XXXX points in XXXX hours. I called and wrote Equifax on many occasions due to they will not take old credit history from 15 years ago off of my credit. I called and they told me every time I do a credit dispute it stays on for 10 more years. I am sick of Equifax. They have ruined my credit for long enough. I need all of those old accounts off of my credit. And my points put back on my credit score. They should not be taking XXXX points for an inquiry on your credit for a credit card
Dear Sir/Madam, I am follow up on the ongoing problems caused by poor customer service of Scottrade Bank and their affiliates. 

In order to warn current and future customers of the poor customer service and illicit actions of Scottrade Bank, I have requested the CFPB public this description on consumerfinance.gov so that others can learn from my experience. 

Preliminarily, after being a victim of the data breach disclosed by Scottrade Bank XXXX I was consequently the victim of identity theft that caused a hacker to gain access to my Scottrade Bank account. The hacker then used the leaked information to conduct fraudulent transfers. 

Upon notifying Scottrade Bank of the fraudulent transfers I heard silence. Indeed, to this day Scottrade Bank will not provide me will all of the evidence they are required to disclose under Regulation E. 

I followed up with Scottrade Bank, citing the Regulation E clause, and Scottrade Bank responded by saying that I was " harassing [ Scottrade Bank XXXX '' and has refused to respond to my legitimate requests. 

I am writing this as fair warning to all customers of Scottrade Bank that in the event of a dispute it is likely that XXXX Bank will refuse to respond to your concerns. Indeed, you can review other nefarious actions of Scottrade XXXX. 

I am open to receiving a full response from Scottrade Bank that addresses the concerns and have repeatedly opened channels of communication with them, however, Scottrade Bank continues to refuse to respond to my questions.
Information is incorrect. Never have gotten any loans or anything put into my name. Someone must have used my social security number. The only thing that is correct is the information from the XXXX hospital but I have Medicaid so there shouldn't be any payments i have to pay. My Medicaid should have taken care of that so that information is also false.
XXXX XXXX XXXX XXXX ( A COLLECTION AGENCY ) INTERCEPTED MY STATE REFUND FOR THE AMOUNT OF {$740.00}. 

I CALLED THEM AND I ASKED WHY THEY INTERCEPTED MY REFUND, I FILED BANKRUPTCY AND WAS DISCHARGED LAST YEAR 2018 THEN WHEN SHE REVIEWED MY ACCOUNT AND FOUND THE NOTE ABOUT MY BANKRUPTCY BUT SHE IS STILL ASKING ME TO SEND THEM COPY OF DISCHARGED LETTER AND COPY OF MY ID ETC ...
ON XXXX/XXXX/2015 I SENT XXXX TO WESTERN UNION VIA ELECTRONIC BILL PAY IN RELATION TO MTCN XXXX AND STILL HAVE NOT RECEIVED THE FUNDS OR A REFUND. A REFUNDED CAN NOT BE RETURNED TO THE ACCOUNT BECAUSE THAT ACCOUNT HAS BEEN CLOSED AS A RESULT OF THIS MATTER. ON XXXX/XXXX/2015 I SENT XXXX TO WESTERN UNION VIA ELECTRONIC BILL PAY IN RELATION TO MTCN XXXX AND STILL HAVE NOT RECEIVED THE FUNDS OR A REFUND THIS ALSO CAN NOT BE RETURNED TO MY NOW CLOSED CHECKING ACCOUNT AND WU HAS BEEN TOLD THIS OVER AND OVER. I RECIEVE NEW LIES FROM THEM DAILY ABOUT WHERE MY MONEY IS AND THE REFUSE TO FOLLOW THROUGH WITH THE TRANSFER OR HAVE MY FUNDS READY AT A LOCATION FOR PU IN CASH. I AM BEING EVICTED FROM MY HOME AS A RESULT, MY XXXX HEALTH AS WELL AS XXXX HEALTH HAS BEEN DRAMATICALLY EFFECTED ( I AM XXXX ) THERE SEEMS TO BE NO END IN SIGHT AND I AM NOW ON THE STREETS.
My daughter was XXXX and her medical bill was sent to collections because I could not afford the payments. The collection company put me on a payment plan of XXXX a month. I missed a payment a couple of times and always made up the payment the next month. When I received notification that I missed the bill it always showed a balance of XXXX which is the two months combined. When I called in to pay the bill they saw I missed last months payment and said I needed to pay the XXXX. After I made a double payment they always said my account was up to date and my next payment due was the following month. I missed three months but always made it up the next month. I received a letter in the mail 2 weeks after I made a payment that my account was in default. I called stating I did not understand that I always made it up and when I made my last payment XXXX/XXXX/16 that I was current until XXXX/XXXX/16. The representative told me I missed those 3 payments and now my account is about to be reported to my credit score unless I pay XXXX to make up the three payments I missed. I stated I made double payments and she said she recognized the double payments but they were never applied to the month missed I just made an additional payment. Now if I do n't pay XXXX or my full balance my account will be reported on my credit score. Not once was I ever told when I called in my account was about to be defaulted or that they were not making up that missed payment. I asked to speak to a manager and after I was placed on hold for 5 minutes the representative told me her manager would not be able to speak to me because he was stepping into a meeting and that he would just tell me the same thing. If this is happening to me it is happening to someone else. People are in collections for a reason and she be helped not taken advantage of.
I got a secured card with Discover in XX/XX/2016 and was told they review to graduate at 7 months. I am at 14 months, have excellent history and have built up my credit. I have been preapproved for a new discover card for 2 months but keep getting strung along about this one graduating. I have called 3x to cancel but keep being asked to give it more time. I even got the " privilege '' of 0 % interest on my own $ as a tactic to not close my account though I have always paid in full. They have done away with the protections and shopping benefits they had when I got the card and the only thing I keep waiting on is the fact that if I close the card I have to wait 2 billing cycles plus 5-7 days yet if it graduates I can have the check in 5-7 days. All I want is my card to graduate. How am I good enough to get a new account yet the one funded with my own money won't graduate?
STATEMENT : Predatory Lending XXXX XXXX, XXXX, my husband and I were saved from foreclosure by XXXX XXXX XXXX XXXX in XXXX XXXX, CA, XXXX a fraudulent loan modification firm signed contract XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CA - paid them borrowed family funds of {$4000.00} but found out 8 months later, they did not submit our docs and it led to XXXX/XXXX/XXXX BofA default and foreclosure notice ). We were pressed to take the BofA loan modification ( only had XXXX to sign, have notarized and return to BofA or forfeit the loan ), even though we explained to XXXX XXXX XXXX law firm that we could not sustain the mortgage payment of {$2400.00}, XXXX XXXX XXXX advised us to take the modification and try to pay for 3 months and then go to BofA and ask for a re-structuring of the loan. Then after struggling for 4 months, asked BofA for a loan re-structuring - we were sent more forms to fill out - thus after sending in Bank XXXX and finally his doctor 's letter for my veteran husband who was very ill in XXXX XXXX, and we could not pay anymore, we could not borrow anymore but BofA modification promises of re-structuring continued until XXXX XXXX, XXXX. 
My husband died XXXX/XXXX/XXXX and was buried with honors in the XXXX XXXX cemetery, XXXX, CA XXXX XXXX, XXXX. I have the Deed of Trust in my name - but not being familiar with how to handle the bank when you are widowed, I asked for help from a referral and now a dear friend who is a Para-legal over 30 years - who filled out the paperwork for my complaint to Washington DOJ ( received XXXX/XXXX/XXXX ). Why? because after he looked over our refinance XXXX by Countrywide/MERS - then taken over by Bank, said that we had a good case, also bank did not want to talk to me until I had Letters of Administration, which after getting a Probate hearing XXXX/XXXX/XXXX, the judge said that I had the Inter-Spousal Deed of Trust in my name ( the loan is in my husband 's name ), I got a probate attorney to send a letter XXXX/XXXX/XXXX to BofA stating that since I have legal title to the property - does not need to probate my husband 's estate. Bank 's response was : " put attorney on as my authorized XXXX XXXX loan representative '', ( I sent a XXXX of XXXX to bank XXXX/XXXX/XXXX ), bank responded " that since my situation has changed, they have closed the loan modification process on the modification loan. '' XXXX XXXX, I have registered with HUD office who sent a my bank package and are now reviewing the file and my assigned rep said review takes 30 days. I do not qualify for any modifications and after the pain & suffering - wonder what new ideas the bank will come up with. I would welcome your advice. I have researched lawyers and have been turned down by XXXX pro-bono attorneys, and XXXX local attorneys - why? No experience in predatory mortgage lending.
I filled once already with this agency and this was supposed to be removed. I have again received another letter for the exact same account. This is now harassment. I do not owe this!
In XXXX of 2013 I sent {$1000.00} additional mortgage payment to Wells Fargo to be applied to the principal of my loan. Wells Fargo received my {$1000.00} and my regular scheduled payment for the month and split it into smaller payments and deducted interest from the money in question. I have on occasion attempted to get them to correct this and have been given a bunch of smoke and screens. I even went into a local branch trying to get this issue resolved. Recently I received a letter stating they were " researching it ''. I went online attempting to find an address for the person who signed the letter and found instead that others had posted the exact same letter that I have, signed by the exact same person and complaining that XXXX XXXX does n't exist as far as it relates to getting their issue with Wells Fargo resolved. It was that website that directed my to you. PLEASE. HEEELPPP!!!
AD Astra Recovery Services is threatening me and suing me for a debt that I do not owe. I have never heard of the merchant nor do I have a Contract with them nor are they licensed to collect in the State of Texas. Those are 3 different violations that entitles me to {$5000.00} per Violation If it doesn't get removed off my Credit Report. The State of Limitations in the state of Texas is 6 years & its past that time for them to collect in the state even If they were bonded to collect and it was indeed my Debt. You have 30 Days to remove such Debt or I will be filing a Civil Suit against your entire company and be forced to present yourself in the court of law.