WillisBack/dataset-financial-user-claim huggingface dataset:
After reviewing a copy of my credit report, I noticed multiple collections account placed on my credit report from your company IMC Credit Services LLC from 2014.. I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and the hospital /medical provider to which I owe the debt and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Also, please provide proof of identification upon treatment, and my signature with the provider of service to release my information to your company IMC Credit Services LLC. Cease any credit bureau reporting until this debt Is validated by me.
I am writing in regard to XXXX account XXXX for XXXX. XXXX was a long time subscriber to XXXX for 9 1/2 years. At age XXXX, she subscribed at the lowest price point because her income is well below the poverty level ( just a little over {$XXXX} a year ). A XXXX telemarketer contacted XXXX and thanked her for being a long time subscriber and told her that she was eligible for a free upgrade to High Definition service. The telemarketer used unfair and deceptive marketing practices by telling her that she would also receive 3 months of premium movie channels at no charge. XXXX failed to adequately disclose the true nature of the deal in a manner that XXXX could understand, which resulted in much higher prices, unauthorized charges and a requirement that she maintain the new rate for 2 years. XXXX used high pressure predatory practices by targeting an elderly person, who is hard of hearing, and gets confused over the details. All she understood is that she was being rewarded for being a good customer with free services. 
When she saw her next invoice, she saw that her subscription price more than XXXX which she did not expect, and could not afford. When we called XXXX about the unauthorized charges, they would not allow her to go back her original plan and told her that she was stuck at the new rate for 2 years. She then told XXXX that she wanted to cancel all services and was told that she would be charged for a verbal 2 year contract. She cancelled her service and returned the requirement equipment. XXXX predatory, and deceptive practices confused XXXX at her age. 
XXXX has since issued collection actions through Diversified Consultants ( Agency reference # XXXX ) in the amount of {$470.00} which hit her credit rating. We are requesting that XXXX cancel all inaccurately perceived debts due as a result of their deceptive actions, cancel collection actions including repeated phone calls, and rescind the credit rating incident, in order to restore her credit rating to pre incident levels.
I received a NetSpend gift card from my XXXX nephew for XXXX. I tried to activate it and was told it was a credit card. I let the customer service rep know I did not want a credit card, I just wanted to get the funds off the card. I was told I couldnt use it as a gift card. I replied that my XXXX XXXX nephew bought it off of a gift card rack at XXXX XXXX, how could it not be used as a gift card. After getting the run around I hung up. 

Today, after a few weeks, I have cooled off and called again today. I was told the same story, but the customer service rep at least was willing to see if she could make it a gift card instead. I was put on hold and when she came back on line she told me the card had expired. I asked how could it have expired when the date on the card showed XX/XX/XXXX?
This complaint deals with Transunion not being truthful/being dishonest about the investigation results from a dispute which I submitted. I disputed the public record, and Transunion stated that it verified the public record with XXXX. I contacted XXXX and there are no public record on my XXXX consumer disclosure ( s ). On page 3 of the attachment from Transunion.comXXXX, it states that " if a bankruptcy appears in the public record section of your Transunion credit report, Transunion obtained information about your bankruptcy from our third-party vendor, XXXX. '' Well, I know that there are no bankruptcy records with XXXX, and also all of my XXXX disclosures have been suppressed, and I have a security freeze ( pages 6, 7, and 8 of the attachment confirms this information ). 
Because Transunion has been dishonest about there investigation results, I request Transunion delete the public record from my credit report immediately. 
As the attached documentation shows, XXXX has no record of a bankruptcy in my files, and also my XXXX reports have all been suppressed, and I have a security freeze. Transunion has stated that it uses the vendor XXXX to verify public records. I strenuously demand that Transunion delete the public record from my credit report.
It was that me and my mother co-singed the loan for me, my mother filled for Bankruptcy and because this was filled under the bankruptcy, it was suppose to be forgiven. Navient is the servicing company. We paid the loan thru XX/XX/2018 and after this I was not able to make the large amount of payments. I could only pay $ XXXX   month for two loans, so I contacted the servicing company, and  they told me they can help me. But it's has been nothing but a problem. We received a letter telling us that they are willing to help but are not will to help overtime we call to discus the help. At this time there are forcing us to pay what they want us to pay, I live on my own and with what I am making an hour, I can't ever support myself with what I pay now for my bills and rent. Please help. I will be looking in to hireling and attorney at this point since Navient is not willing to help. My mother is on XXXX and she is not able to pay more then the total amount me and her {$50.00}, Please help us. thank you. every time you call Navient they threat you that they will put bad review on my and my mothers credit score.
I called Wells Fargo on XXXX XXXX of XXXX. I asked them to close all of my accounts because they hold my larger checks for 7 full days and this is HARSH on  the cash flow of a small landscaping business. 

PROBLEM # 1 - THIS OLD DELAYED BANKING SYSTEM SUCKS. WE HAVE PUMPED BILLIONS INTO COMPUTERS. THIS DELAYED SYSTEM IS ABUSE OF SMALL BUSINESS TO THE GAIN OF ONLY BANKERS. 

When they closed my accounts, I asked them clearly to " Stop any and All Outgoing Payments. '' They clearly agreed. Then I found out that they kept paying automatic payment requests and are charging me overdraft fees as well! 

I asked them to stop ALL PAYMENTS. Do not pay any automatic drafts. Pay nothing ever again!. I told them I had a lot of things coming through that account and that it would take time to get it all corrected, and that I would do it. 

PROBLEM # 2 THEY LIE, STEAL, CHEAT, and BREED GREED. 

They also told me when I closed my accounts that I would have access to my digital records. The day I called and complained, they locked me out of my records and put me in collections. Now I have to do business taxes from a PDF! That is going to cost me a fortune in labor!!! 

PROBLEM # 3 : THEY LIE, STEAL, CHEAT, and BREED GREED. 

I attached the statements. It show some deleted charges, but when I call, they still say I owe the negative XXXX
The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX.
The Equifax company, for decades, since the beginning of that company, has NEVER been able to verify my identity, and therefore, refuses to respond to my registered postal mailings, my emails, my phone calls, or anything. I have never received a credit report from Equifax, since the beginning of that company. They only thing Equifax has ever done is mail me a piece of paper saying they can not verify my identity. 

Today, I was denied the opportunity to open an account for home internet service because the internet service provider uses Equifax, and Equifax has frozen my credit report. Without home internet, I am unable to interview for online jobs with companies, and am unable to be employed online with many companies. All this is due to Equifax. 

This is not a one-time episode of Equifax meanness. This has been their everyday routine since the beginning of that company.
I opened this loan in XX/XX/XXXX to help manage an issue that came up it property taxes and to help manage some other debt. In XX/XX/XXXX I came into some serious financial issues with repaying the loan and I wasn't about to come to a resolution with the bank.
I am dissatisfied with American Express. My issue is that XXXX XXXX delivered to me a defective sectional sofa. Also, after countless attempts to resolve the issue with them, I tried working with American Express to be my advocate, as I am a long standing customer of theirs. I have had XXXX billing disputes with American Express and they have not resolved this issue for me. Please note that American Express does not seem to want to fight for me as their customer. They do not read all of the documents that I have submitted to them explaining my issue. Please see the full details in the attached " CFPB Letter XX/XX/2016 '' Word document that I uploaded in the " Step 4. Product Information '' step.
I HAVE SENT XXXX EVERYTHING REQUIRED BY THE FCRA AND THE ONLY THING THAT THEY CAN DO RE DISPUTE THE ERROR THAT THEY REPORT ON YOUR CREDIT EVEN AFTER FOLLOWING ALL THE STEP 'S AND GUIDELINES PUT IN PLACE BY THE FCRA. I WAS TOLD THAT AMERICAN HONDA ACCOUNT NUMBER # XXXX WOULD BE REMOVE WITHIN 48 HOURS HERE WE ARE 10 WEEKS LATER AND THEY OFFER TO RE DISPUTE THIS UNLAWFUL REPORTING EVEN AFTER THEY HAVE REVIEWED ALL THE DOCUMENTS SENT IN TO THEM. IM AFRAID TO EVEN GIVE MY PERSONAL INFORMATION TO XXXX DO TO THE FACT THEY OUTSOURCE THERE FRAUD CLAIMS OF ALL THINGS TO A 3 WORLD COUNTRY THAT U.S. LAW 'S AND GUIDE LINES DO NOT APPLY..
I am a XXXX who is utilizing the Public Service Loan Forgiveness Program ( PSLF ). I recertified my loans XX/XX/XXXX and switched loan programs from the IBR to the Pay as Your Earn program. I called multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to make sure the forms were filled out correctly and everything would be processed on time. Despite my efforts, the forms were not processed correctly. I should have only been billed for a {$5.00} forbearance payment in XX/XX/XXXX ( mandatory to switch to PAYE ). However, for some reason my forbearance was not processed correctly and I was billed my normal payment amount of {$650.00}. Further, if I made this payment it would not count to the PSLF program. I was told on multiple occasions that I would receive a new bill for only {$5.00} sometime from XX/XX/XXXX to XX/XX/XXXX but that bill was never received. I called again on XX/XX/XXXX and was told the forbearance was not processed and I had to submit a new forbearance request. This new request was finally processed on XX/XX/XXXX and due to that, my forbearance payment would not be made until XX/XX/XXXX and I would not officially be recertified under PSLF until XX/XX/XXXX. As such, I am losing 2 months worth of payments that should be eligible under PSLF ( in addition to the one month forced forbearance to switch to PAYE as well ). The loan company essentially told me there is nothing they can do despite that I did nothing wrong, called multiple times, and was very proactive in trying to prevent this problem. This is very typical of my experience with the loan company and the PSLF program. Every year, either my wife or I have issues recertifying for one reason or another. Many times the loan company just miscalculates how much our payments should be.
I faxed loan modification reinstatement documents to the Wells Fargo Home Preservation Department on Friday, XX/XX/XXXX, at XXXX, at Wells Fargo Bank Branch , XXXX , CA. This is my fourth submission for loan modification. In addition, I have applied and been approved three times with KYHC, but Wells Fargo has rejected the funds. As a result, I am in foreclosure in three days, XX/XX/XXXX. I need immediate intervention to stop this illegal foreclosure sale of my primary and only residential property, purchased in XX/XX/XXXX. Predatory loan originated in XX/XX/XXXX when I refinanced the loan with XXXX with brokerage agent. As a result my excellent credit has been destroyed and my health has been greatly compromised. Please review this case ASAP. Thank you for looking into this matter.
Letters have been sent asking for them to prove this is my account and all my letters have gone unanswered. They have violated the FCRA for not providing the information in a reasonable time frame
This company continues to call from different area codes and phone numbers up tp 20 times a day after I have informed them to stop calling and to send whatever information they say is owed to them to the address on file which I have yet to receive, however the phone calls as of XX/XX/2016 have continued.
I requested validation of this debt several times from both credit bureau and collection agency after seeing it on my credit report. it couldnt be validated by collection agency. i received a fake statement ( bill ) in the mail as validation. Not only do i know this isnt a account thats mine but based on this statement i received the dates of service doesnt reflect proper name or address at the time. i wasnt known by this new name or address until 6 months ago so how is a statement from XX/XX/XXXX-XX/XX/XXXX showing my new info???
Febuary XXXX - XXXX XXXX  XXXX XXXX XXXX FIRST REPORTED DISPUTE - XX/XX/XXXX - RESULT XX/XX/XXXX WITH TRANSUNION- NO CHANGE ON INACCURATE BALANCE DUE. 
DISPUTE XXXX XXXX XXXX RESULT BACK XX/XX/XXXX WITH TRANSUNION - FOR DUPLICATE ACCOUNTS And would like to know why and how they are allowed to continue to damage my credit with this inaqurancy? 
Also according to credit report accurancy, the account has it 7yrs on my credit report as of XXXX XXXX.
We have near-perfect credit almost allways in the 800 range. While trying to buy a new home, a credit mark showed up from a XXXX XXXX Lab service done way back on XX/XX/2014. The company is now out of business due to fraudulent billing practices but a company called XXXX XXXX XXXX ( phone is XXXX XXXX XXXX ) placed the mark on my credit report without first contacting me. Their head of this account also verbally threatened me with a lawsuit if I did not pay in full immediately, which I take very seriously. I was also told that I could resolve the issue by sending them the Explanation of Benefits documents ( from my insurance, XXXX XXXX XXXX XXXX, which I did. They did not respond and the bad mark on my credit remains in place. I simply refuse to be extorted like this and companies that make these kinds of threats by inaccurately placing bad credit marks on your history need to be held accountable.
I received an offer in the mail to get a {$400.00} bonus if I opened a new Platinum Checking account by XX/XX/2018 and made a single {$1000.00} direct deposit within 60 days. I opened this account in branch and the specialist helping me took the mailer from me that I received and entered the Offer Code assigned to me online as required. 

The offer states the {$400.00} bonus will post to the account within 90 days after the direct deposit posted. 

I opened the account on XX/XX/2018 and a direct deposit of {$2500.00} posted on XX/XX/2018. 

I've tried communicating with Citizens Bank multiple times via their secure message system - they never get back to me or tell me to wait longer. Their phone system is a mess.
Last year ( XXXX ) i sent in a full payment to get my loan caught up to date.i was behind in payment., including all back owed taxes. 
They applied the funds and gave me a new adjusted monthly payment, now to include my taxes. i was making my payments, then in XXXX my payment almost doubled, I contacted them and it took until ( XXXX ) to resolve the issue. I could not make payments during this time because they still wanted the doubled payment amount. After funds were applied to the correct loan i then sent a payment ( XXXX 2015 ) to once again get current, Now still to this date my account is delinquent and they will not up date it so i can make a payment. They are doing this to me on purpose to try to force me into foreclosure once again. The initial funds i sent in back in XXXX last year and their miss appropriation of funds is still unknown exactly how and where funds were applied. I have asked for a detail to explain all fund disbursement and it still is not current and.i 'm notallowed to make a payment, because they do not show current balance of my last payment to get all owed amount applied to my loan.
Due to being unemployed, I fell behind on my car loan payments. I was contacted, and tried to deal with the issue right away. I remained in contact with the lender, despite their poor communication skills. I could n't afford to pay the full amount ; so I was offered a deferment plan. I was to pay fees ( {$95.00} ) immediately, and pay the loan amount {$180.00}, by XX/XX/XXXX. I paid the {$95.00} immediately on XXXX XXXX 2016 via XXXX, using the loan companies pin number. They would n't accept my debit card ; or automatic payments, and said I had to use XXXX XXXX. I have a hard copy of the receipt. I paid with cash. I sent an email to the Loan Company immediately after making the payment. I did n't hear anything back from them. They have my email, work number, cell number, the number of a friend, and my address. I assumed all was well. Unfortunately, XXXX sent the money to XXXX, and did n't send the money to the lender. XXXX admitted guilt. Need-less-to-say, the lender never received payment. They repossessed my vehicle XXXX. The lender will not let me speak to a manager ; or a supervisor until I make a full payment : {$960.00}. Please, help me resolve this issue.
I contacted Transunion when I noticed a XXXX account added to my credit file. Transunion has failed to provide me with any information bearing my signature and has yet to give me anything information proving that this account is mine. You
Wilber & Associates received this case from XXXX, whom I had already provided documentation from WA State of title transfer for the vehicle involved in this case on a date well-prior to the claim date. This correspondence in its very existence is harassment since XXXX should have not passed my information on to an additional collection agency. Additionally, the language in the letter is threatening in that Wilber & Associates alleges that they " are attempting to resolve this matter in an amicable fashion '' however the options listed for responding only include 1. payment and 2. providing insurance coverage information and do not include an option for disputing that I am responsible for the debt being collected.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX My ID via drivers license is attached
I was loaned money on a false degree. I was also not made aware of how much I was being loaned. Then my loan was sold and I have been charged interest at a higher rate than agreed ... as I was not aware of any rate. Also charged while in school and serving in XXXX.
HELLO I WENT TO CASH A CHECK AT BANK OF AMERICA THAT I HAD FROM A PAYDAY LOAN COMPANY AND BANK OF AMERICA CHARGED ME {$XXXX.00} XXXX DOLLARS TO CASH THE CHECK. THE ACCOUNT WAS DRAWN ON THE BANK THE BANNK IS NOT AN INDEPENDENT THIRD PARTY THEREFORE IT SHOULD NOT HAVE CHARGED $ XXXXTO CASH THE CHECK. I DID NOT HAVE AN ACCOUNT THERE.
My personal information has been compromised for a lifetime due to Equifax 's negligence in handling my information.
On XXXX XXXX, 2016 I presented my Citi XXXX card to XXXX to pay for the XXXX dollar ( {$90.00} ) for my safety deposit box. Unknown to me the teller coded the XXXX dollar charge as a " cash advance '' on my credit card instead of the anticipated normal credit card charge. Although I pay my credit card charges in full every month, Citi assessed a XXXX dollar ( {$5.00} ) fee for the cash advance and also charged XXXX XXXX cents ( {$0.00} ) interest on the cash advance on the statement with period ending XXXX/XXXX/2016. And on my subsequent statement for the period ending XXXX/XXXX/2016 a interest charge of XXXX cents ( {$0.00} ) was shown for the XXXX dollar " cash advance '' of XXXX/XXXX/2016 even though the cash advance had already been repaid. Today via a telephone call to customer service for Citi at XXXX I was told by the Citi representative named " XXXX '' that Citi will not provide the calculation of the XXXX XXXX cents and XXXX cents for interest. It appears that Citi intends to continue to charge me interest forever for the original cash advance as well as interest on the interest forever even though the cash advance has been repaid. This is crooked and criminal. What is the CFPB going to do about it?