WillisBack/dataset-financial-user-claim huggingface dataset:
Since XXXX XXXX, XXXX I never received any medical bill i live in XXXX XXXX, and now i am owing total {$2400.00} in medical bills that could of been charged to Medical since I just recently got approved for Medical in XXXX XXXX, Medical would n't do anything. i suddenly receive phone calls about the medical bills totaling that amount and asking them to release the phone number and information they refused to release phone number for ambulance and City of montebello paramedics, I am trying to get financial assistance for XXXX XXXX i have no income, just recently approved for foodstamp and trying seek a job and original amount owe for XXXX is {$1.00} XXXX and XXXX is {$350.00}, CMRE never told us any information regarding any debt collection or no mails ever received
I got into a collision with my brand new 2 months XXXX XXXX. My XXXX XXXX insurance called the car being totaled so they were getting information with XXXX XXXX for the payoff amount. Since it was only 2 months old, I understood that the car was upside down, so I would need to come up with some money to settle the whole thing, which was also what XXXX XXXX Claim adjuster said to me as well. I thought since I was getting another Toyota, I could negotiate that part when I get the new car. However, a few days later, my Claim adjuster came back and said good new, Toyota accepted their pay off amount and I was actually going to get a little money back even after XXXX XXXX taking my deductible. I was happy, signed the paper work with XXXX XXXX, got the check and I went and leased another Toyota Prius, because I needed a car. Almost 1 month later, I received a letter from Toyota Finance saying that I owe them money because the settlement was not enough to pay off my lease. And they were going to charge off that amount and report to the credit reporting agencies. I talked to XXXX XXXX, and they gave me the letter that Toyota Finance accepting the settlement. XXXX XXXX said that Toyota should not go after me for the difference, since they already settled the account and released the title. I talked to Toyota Finance, but they still demanded the money or they would report me. I knew about the difference, and was going to negotiate it with Toyota when I was going to get the XXXX Prius. But since they told XXXX XXXX that they accepted it, and XXXX XXXX even thought the whole thing was closed, and wrote me a check, I did not negotiate that part of the difference when I leased a new car. What Toyota did, accepting first and went after me later, took away my chance of negotiating, which was really unfair. Now the fact that they are demanding the difference in full with no opportunity for me to ask for a discount or payment plan is really predatory practice. Please help.
I tried to contact XXXX in XX/XX/XXXX of this year and requested proof that the bill was due. I was a student there from winter XX/XX/XXXX until Spring XX/XX/XXXX when the semester ended. I was not made aware of any other classes needed to be taken and was even allowed to get my unofficial and official transcripts sent to three other colleges I attended since then. 

I was planning to attend a XXXX college this fall and to my surprise I could not get financial aid due to this issue. After speaking to the XXXX representative I was told a list of fees could be sent out to me yet I never received it. Then I reached out to Great Lakes where the loan was being collected and asked for a deferment form and it was not sent out either. So I contacted the Department of Education and asked for the signed promissory note. It came in the mail two weeks ago and while it had my name and a temporary address listed on the signature line my signature was not there only a host of letters and numbers.
After review of my credit report I discovered accounts that were open in my name without my consent. GM Financial has a car note reporting that was a result of fraud. I filed an identity theft report as recommended by the FTC and took the steps needed to report the problem and remedy it quickly. After disputing with the credit bureaus XXXX refused to block or delete this account even with the identity theft report.The same information was sent to the other bureaus and it was removed.GM Financial was made away of this problem and it still has not been resolved. Although the account is not potentially negative I do not want it on my credit report because it's inaccurate and unknown to what kind of record it will lead to in the future. Time is of essence. I want this resolved ASAP.
There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to Experian to have it removed and they performed an investigation witch did not remove it from my credit report. 
XXXX Inquires from XXXX were removed but not the derogatory account.
I applied for a secured card with Citibank, during the application process, I never supplied a security word, when I received my card and called to try to activate it, they asked me to validate my identity using this security word I never setup, then they said to provide them with a phone number linked to my name, I did just that and they still refused to give me access to my account, then they asked for a relative phone number, I provided that and again they told me it is an unverified number. I offered to provide my SSN, driver license, address, a list of relatives they can call to confirm who I am, but they refused so I asked to close my account and they said they can not and refuse to do so until the account gets verified, so they are pretty much stealing my money and telling me that I cant have it back.
This account has been closed and charged off with the original bank and I do not have a signed contract with XXXX XXXX or Jefferson Capital Systems nor have I done business with XXXX XXXX or Jefferson Capital Systems. I have a right to demand a signed copy of such contract between XXXX XXXX JeffersonSystem and myself.
XXXX Removed the posting as a result of my efforts in XX/XX/2018. ( CFPB claim XXXX. ) Diversified Consultants the assumed collection rights for debt as directed by XXXX XXXX. Diversified reposted the debt to all agencies with no validation efforts after XXXX willingly removed the posting This would be reselling of debt to another 3rd party debt collector. A violation of the Dobb Frank Act.
I applied for a Citigold checking account with a promotion offer that earns XXXX XXXX XXXX miles after completing a set of requirements within 3 months. After a month of opening the account and meeting the requirements, I sent a secure message to confirm that I met the requirements and a representative confirmed that I met the requirements and that my account is eligible. After waiting 90 days after statement close of the statement where I met the requirements, I inquired again to ask that the miles be credited since I met the terms of the offer. I got a response back saying that an investigation would be opened to determine if I was targeted for the offer, and that if I was, the miles would be credited after another month. Two weeks later, I replied to ask that an investigation be reopened since I never heard back. Now it has been over 10 days, again with no promised response. Citibank should honor the terms of the bonus and stop trying to mislead people and collect more account fees.
I was checking my credit report and a hard inquiry popped up saying that him something about XXXX  XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my XXXX XXXX TransUnion report I talk with XXXX XXXX and they said they have no information also I spoken with TransUnion they tells me to call the police and XXXX XXXX is not helpful at all
I called CapitalOne concerning an XXXX charge that was on my card that i did not know about. I also told them that a XXXX charge was ok one time but it was not ok going forward because it is my X-Wife and she is no longer with me. The charge is for {$140.00} and is on my account twice without my permission. I can not stop the payments myself because i do not have the account information and this company never sends anything to this address in the mail. When i called they told me it's all done via email and if I don't have the account verification information then no account changes can be made. So i have these changes that will not stop. I told them to cancel the card and stop all payments to the account and they told me that all payments will be transferred to the new card per the agreement they have with Visa and Mastercard. So i can't stop the charges unless i close the account. Closing the account will have a negative impact on my credit because i just opened the account less than a year ago. All that i asked them is to stop the charges they tell me they can't. Please help me with this.
Transuniom and XXXX are still negatively reporting 4 student loans from XXXX on my reports whereas XXXX  has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.
I received a letter in the mail that my credit limit had been reduced. Macy Department Store is reducing peoples credit, the reason is they say there system automatically reviews the account every XXXX and it 's based on information they receive from XXXX every month. I think this is crazy and who gives them your information on other credit you have every XXXX days.
I contacted Target twice at this point and I supplied Target with the FTC report and a local police report as supporting documentation about the ID theft.   Target received the first letter on  XXXX / XXXX / 2017 , they did not update the account with the credit bureaus as disputed. They also did not respond to me personally at all. I spoke with a gentleman last week and again explained the situation, he agreed, Target had been made aware of the ID theft.   I just learned today, Target insists on continuing to report the account on my credit reports. It is my understanding, this is an illegal action on Target 's part. Target also continues to report back to the credit reporting agencies that the account has been verified. This is not possible. I did not open the account, how can they verify an account I did not open.
Tried to get my report and was unable to do so even though I tried through all three companies. Experian said they were " Unable to honor your request. '' XXXX told me I had already received it and XXXX said there was an error and that my report could not be pulled. I have essentially no credit history because I have never borrowed money but I need the report for a job application and have obtained one before for this purpose with no trouble. I am wondering if the issue is that there 's no history so there 's nothing to pull. Called a few numbers and got no help. Ca n't even request one to be mailed to me.
I am filing this complaint with your company DIVERSIFIED XXXX this account number is reporting on my credit report as if I have a debt with your company. I am have been a victim of identity fraud I never had an account with your company nor was I notified that a outstanding balance was due on any account that I have opened. Please Validate the debt that your company is reporting to my credit report.Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I request proof that I am the party which has a binding obligation to pay this debt and only by providing the following documents will legal validation be satisfied under the law. 

Complete balance and payment history, if any, to show amount sought is accurate ; the requirement of which has been established via XXXX. 
Agreement bearing my signature where I promised to pay you or another creditor the alleged debt. 
The agreement granting you the authority to collect on this alleged debt and if purchased, proof of the amount you paid for the debt. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) - ( Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. ) Provide proof of 1st delinquency and last payment date to original creditor, if any. 
Evidence your legal registration and bonding status for collecting debt in the State of CA.. 

I know my rights. I know that upon this notice you are required to cease all collection activity until complete validation is provided in writing. I know you must cease all phone calls to me whatsoever and may only communicate in writing to provide me complete validation or to notify me that you are closing the account and cancelling your collection efforts. I remind you that many courts have ruled ( XXXX UNITED STATES DISTRICT COURT, XXXX, to name only one ) that the reporting of a collection account to a credit reporting agency is also collection activity and therefore, since you have reported it you must have it deleted from my credit report. Simply placing an " in dispute '' statement to the credit report violates my rights under law. I would suggest you check with your legal department regarding this as I intend to hold you accountable should my rights be violated any further. 

It is my intention to enter into good faith negotiations to settle the debt in question only when and if proper validation is provided. I look forward to a speedy resolution of this matter.
I took out a car loan for XXXX with Ally financial in 2011. They have withheld account information to me, lied about my payment plans, used extortion and bullying to squeeze exorbitant amounts of cash well over what I originally agreed too. I have put over 30,000 dollars in this car and they are still harassing me.
Freedom Mortgage has our property tax in escrow and will not pay it. The courthouse says they will sell our house on the courthouse steps if its not paid. Plus our name gets put in the newspaper, etc.

Our property taxes have been escrowed since day 1. We have never missed a payment. They lie every time we call. First they say they paid it. Then they say the paid the wrong parcel. Then they say they paid for the wrong person. All lies.

This mortgage company has horrible reviews and should be shut down. It is illegal for them to keep our money and not pay it to the appropriate parties.
On Saturday   XXXX   XXXX   I used my debit card at a   XXXX   ATM machine and also mad a gas purchase and food purchase as well. This was the last time I seen my wallet and cards in my physical, I didnt realize until sunday night that I did not have my credentials and check my online banking and realized some fraud charges were made to the account that I did n't authorize. I file my claim with citizens bank and from the jumb they made me feel guilty because they said the account was a fairly new account, and now because of this i feel like im not getting proper results and customer service. I spoken to about  XXXX  different ppl and they have all told me different things, then I was informed when I went into the bank today that they have dismissed my claim. I know have  XXXX  different claims numbers because I reopened the claim ... ... ... I spoke with a lady named  XXXX  who is a a lead supervisor over a debit card claims debt, she has been very agressive and unprofessional to me, if you do your research and hear all the calls I have placed with citizens bank because they are all recorded these ppl are mean and rude, and really made me feel bad about having a new account with this bank.
I was very surprised and disheartened to learn today that I have been paying interest on promotional balances with Best Buy for the past  1-2 years ( over $ 1100+ ). I fe el the interest and fees I have been paying were 'hidden ' from me once I adopted Best Buy 's push for 'paperless billing. ' I believe Best Buy 's campaign for paperless billing made it seamless for them to keep the details of the promotional balances and interest charged under the radar, exploiting the average consumer based on two facts : The small font and placement of the promotional balance information on their main webpage.  <P/> In the past, when I received paper billing statements in the mail, it was easy to see when promotional balances were expiring, as well as all the details of the fees, interest paid, and pertinent billing details.  <P/> Once I succumbed to Best Buy 's paperless billing campaign, much of this information became hidden. Their website 's online summary page only highlights the minimum payment due, current balance and available credit. There is no mention of interest paid, interest charged, or fees in an easy to see and noticeable location. The consumer has to scroll down and look for a smaller font which describes the details of any promotional balances expiration date.  <P/> Also, the consumer has to scroll down even further to see details of the last transaction where they might notice any previous interest or fees charged.  <P/> And in my case, every time I went online to look at the account activity, it was right after an automatic payment was made ; thus, there were no details of any previous interest fees paid- as this information was no longer available or shown on the main screen. The only way to see this is to click through several steps to pull up old statements, which then require the consumer to choose a specific file format, understand the upload process, etc.  <P/> When I called Best Buy to explain and ask for reimbursement of the fees due to above, they only credited me the amount of the last interest c harge ( {$660.00} ). Th ey said they would not credit me interest beyond this date, due to my account agreement.  <P/> This was very misleading and disheartening since I had the money to pay off any promotional balances before expiration, but was not properly informed of both the promotional balances or continued interest accumulation.  <P/> I would also like to point out that I have  XXXX  other credit cards that operate much differently than Best Buy. They specifically flag and point out to the consumer any promotional balance that may be expiring, and highlight interest paid or to be paid.  <P/> Unfortunately, I was not able to remedy this situation with Best Buy, and feel other consumers may also be suffering from the same fate.  <P/> I 'm asking for your help in this matter.
I had a 6 month advertising agreement with XXXX for my XXXX XXXX XXXX. Communication with them was always by email. I told them to cancel my account and for 2 months they repeatedly sent me notices about my payment not processing. They actually billed me for 7 months and said it auto-renewed. 

They also changed the layout of the website and it longer featured my ads across the top. So they were not even providing what I had contracted for. 

I am now getting harassing calls from a girl named XXXX at a collection company called XXXX XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 

I Have told her she can't just call me on the phone and I need something in writing and I thought it had to be certified mail or return receipt. She stated she sent a letter, but I never received it. I have since researched the payment history ( attached ). 

She is threatening to turn me into the credit bureau 's. I do not owe Homes.com anything in fact I should be entitled to a refund of the 7 month 's extra billing. 

Payment History attached.
syncb/gap charged off my account for XXXX dollars while I had already paid XXXX this shows on my credit report and this is from 2010. They put a judgement on my record disabling me from getting a job without my knowledge. I had received a summon and responded to it in the mail that I paid this debt and closed the account. since the collections company is in business with the judge they still disregarded the letter and put the judgement. The collections company will not provide me with copies of statements showing that I paid what GAP wanted me to pay in order for me to close the account. They stated that I need an attorney to call them to get the records. Attornies do not call debt collectors. The debt collector is XXXX at XXXX and XXXX and I have received threatning calls from them stating that they will put a lien on my house. After further research I discovered that they have a court date to move this case to a different district which may be corrypt so they can further put a lien on my house. How can there crooked people get away with this - so GAP charged off XXXX then sold the debt to thes epeople plus made money on my XXXX which they will not disclose? This is outright fraud! So they are using my social security number and they will not send me my own statement, putting the legal system in front because they know that it is corrupt? I sent letter to GAP and Sync bank and noone will respond becaus ethey think that in front of a corrupt judge they can get away with pulling this off? The court records show that they are trying to move this to a different disctrict number XXXX. I talked to a XXXX at XXXX and I asked for the records and she stated that I need the attorney to call them for my records from 2010! ~ I want my GAP statements from 2010 showing my history and payments! My number is XXXX or e-mail XXXXXXXXXXXX XXXX name is XXXX XXXX
Been attempting to get this debit verified and find out who this is I have no knowledge of debt. Have sent complaints and disputes along with certified letters to company also with no responses
I was in a car accident and had a lawyer involved who paid all my medical debt that was caused by this accident. Before the lawsuit was settled the medical bills did however go to collections. But when the debt was settled my lawyer paid the hospital and not the collection company. So this debt has been paid. I never received a bill about this debt and then all of a sudden I got a notification that my credit report had a debt collection on it which was from XXXX XXXX being collected by Phoenix Financial Services for {$1500.00} and one for a {$100.00}. These debts have been paid by my lawyer and I am no longer responsible for this debt. Also I am one who had my XXXX credit report hacked so its possible this could be a fraud attempt to get money from me. These collection debts are appearing on all three credit reporting agencies.
Good Morning since XX/XX/2018 I have sent disputes every 35 days to fix inaccurate info on my credit files. I am writting regarding an Complaint that I have with XXXX and XXXX. XXXX XXXX is the account name, they say the balance is {$1300.00} I have disputed with both bureaus asking them to please delete as this is not my debt. But it comes back as verfied. I question the validity of this and I suspect they are using XXXX automated verification along with 3rd party means of verification when they should be doing their due dilligence. I suspect they are using XXXX because it is the same generic response everytime either verified or meets FCRA. And they have nothing linking me to the debts. Also account summaries sent is nowhere near proper verification. I have requested account validation and I have had zero reponse. XXXX has stopped responding and said they will no longer investigate. This is a direct violation of my rights and by law they have to investigate but since it has been longer than 30 days that is yet another violation, and I request that They delete. They were unable to provide any signed documentation that tied me to the debt or any " instrument of indebtedness '' and since none of this was provided and per Fair Credit Reporting act I would like my rights protected and for XXXX to delete this account please.