WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted XXXX that I would need to end my service agreement because I was in a car accident and wouldnt be able to work. At the time they agreed that they wouldnt charge me a cancellation fee, and to return the equipment. I did. The bill was gone over to me at around a {$300.00} balance, which was the final bill.They also said I was billed for months after I cancelled due to not returning the equipment, and when it was returned i would be credited. They told me someone would be calling to collect. I wrote to them on their boards plus called a million times over, to adjust what was promised. Then, all of a sudden the bill got larger then what I originally had. They said that I didnt return the equipment and had to open up an investigation. I did return the equipment, and had the drop off confirmation very early on in this whole roller coaster. So they adjusted the bill again. Then I called to pay it and the bill went up again, this time with bogus charges that they placed on my billing plan saying I was charged for things that were not a part of my plan to begin with. I have told them I am fine with paying what was promised but they have added {$300.00} in plus fees amounting to a {$550.00} in collections, when my monthly bill was up to date and only a measely {$70.00} to begin with, I have had promised phone calls back from management, and they never call. Plus the waiting time to talk has been well over an hour every time with never any notations added to the account as promised either. Which is very unprofessional to have to go over the case each and every single times with promises to resolve and its left unresolved. They promised me my account would be credited properly as well as no fee for canceling the service since I was in the hospital, and they re-nigged on the entire agreement and now their collection company is reporting to my credit causing havoc and un-allowing me to obtain financing. Its wrong and unfair to do business like this. Please help thank you
Debt is for a monthly charge from XXXX XXXX for my husband for equipment. He agreed that payment would to be paid by monthly credit card deductions about {$17.00} per month. XXXX XXXX is trying to collect for year of XX/XX/XXXX. My husband is deceased with death in XX/XX/XXXX and all equipment was returned to them at that time. I no longer have access to credit card information to ascertain if XXXX XXXX actually charged credit card. Assumption was that monthly bill was being paid by automatic deduction. XXXX XXXX never billed us at the time nor since that time nor have they ever tried to contact my husband and went directly to collection. My husband 's assumption was that the monthly payment was automatically paid by credit card as XXXX XXXX had requested.
This is in response to Arvests banks numerous and identical answers to my complaints about their violation of Regulation Es guidelines. There is a 60 day threshold. I was instructed to get this complaint and their answer through the CFPB by the Arkansas banking, the states Attorney General and the FDIC before they would be able to proceed. You keep saying my complaints are duplicates.
on XX/XX/2019, between XXXX and XXXX XXXX., US Bank sent out a third party vendor to my address # XXXX XXXX XXXX, XXXX , AR XXXX ( which is really in XXXX, Arkansas ) and they went in and winterized the house. The order # that was left on my front door was # XXXX ( name of company XXXX ), they stole a bunch of stuff out of my house and destroyed some of my stuff, which US Bank says I still own the property as of right now. I have made a list of all the stuff they stole. 

XXXX '' XXXX Digital Photo Frame Deluxe XXXX Coffee Maker and a box of coffee that was never opened ( both brand new ) XXXX Juicer Expensive pair of binoculars 1 or 2 totes, they threw my pictures in the floor and stole the tote they were in XXXX  Woven Clothes Basket, brand new A XXXX Digital Camera XXXX XXXX Lantern, still in the box A Single Serve Coffee Maker, stainless steel with a stainless steel cup that went with it XXXX  XXXX  XXXX Tree in a XXXX  box with soft gel like flowers on the ends of the branches They broke a brand new big picture frame They broke a new set of Owl Bowls in the kitchen XXXX XXXX XXXX XXXX Ice Cream Cone Maker XXXX and Stainless Steel Waffle Maker, brand new I've tried talking to US Bank several times, about this, and they won't help me. 

They won't give me the third party vendor 's phone number or anything either. 

US Bank should be liable since they are the ones who sent these people out to my house. 

Sincerely, XXXX XXXX XXXX phone XXXX Work phone XXXX
After graduating I looked for options on how to consolidate my Student loans. I was able to do this with all outstanding loans except Navient. I was told it could not be consolidated with Government loans. My record during the entire process was always to pay the interest only during school after graduation I along with my mom we tried to position all of my loans into a affordable position. When we originally borrowed this money we told that after 2 years of favorable repayment that the co signer could be removed only for this to be a lie. 
Last year 2016 my mother sent in a cfpb complaint only to be told it had to come from the borrower. But now it is ok to harass her now without my approval.
I go to check my credit on XXXX XXXX and I realize I have this medical bill in collections. I don't remember ever receiving a bill or notice of some sort. I don't even remember what I was at the hospital for or even if i was there. I go to a credit repair company and maybe a month later and it is off my credit and my credit is raised some points. I am happy and content. As I check my credit again about maybe a month later and it is back on there and my credit drops again. I call the debt collection agency and ask to speak to someone to remove it but they can not remove it. I'm not even sure if this is mine but the balance was low so I paid it in full but they told me they can not remove it off of my credit and only say it was a paid collections.
XXXX advertises a XXXX credit card that earns 2 % cash back on everyday purchases. There is also a sign-up bonus of " {$100.00} bonus cash back '' after {$500.00} expenditures within 90 days of account opening. Earnings are credited as points that equate to cash ( XXXX points = {$1.00} ). XXXX does not disclose that the points can only be used at full value if deposited into a XXXX brokerage account. The points are only worth half the value when used as a statement credit. The {$100.00} bonus is only worth {$50.00} as a statement credit, and the " 2 % cash back '' is really only 1 % unless deposited to a XXXX brokerage account. The fine print in the XXXX application refers to redeeming points into an " eligible XXXX account. '' I applied for the credit card over the phone and asked if the credit card was an " eligible '' account and if I could use the points as statement credits. The XXXX representative said I could use the points for a statement credit, but did not disclose that they would only be worth half their value. I only discovered this issue when I tried to use the points.
I was XXXX over seas and had no access to a computer to pay my bills so i set up a auto pay for an account but it didn't go thru and by the time i got back in the country it was to late to correct and they would not help me even though they said the auto pay should've gone thru.
I have already settled the balance that it is saying I owe ( {$250.00} ) years ago. As it is, there is no branch for me to walk into to settle this issue, and it is causing financial issues for me. I have already paid the {$250.00}. 28.
I obtained a credit card from XXXX bank and due to unforseen circumstances the credit card went unpaid and eventually the debt was sold to a collection agency. This credit card was opened more than 7 years ago and it is reflected as negative information on my credit profile. According the Federal Trade Commission no debt can be reported if it is more than 7 years old and in this case it fully applies. I have written directly to the collection agency and they are LVNV FUNDING LLC and they have refused to reply to my letters.
This Debt Collector continues to report to all XXXX Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a XXXX. 

LVNV is also reporting the incorrect date on SEVERAL accounts as the " Account Open '' date as of last year ( XXXX ) when in fact these accounts were opened in XXXX to XXXX and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive.
I went into a loan agreement with   XXXX   XXXX   XXXX   XXXX   on  XX/XX/XXXX  was paying according to the loan. However the loan was sold without my knowledge, to Innovate Auto Finance in  XXXX  with my knowledge no information was mailed or phone call I continued to pay. The new loan company cut my vehicle off through GPS tracker that led me to believe there was a mechanical problem with the vehicle so I fell behind in payments. While my car was in the shop my car was repoed by the new company. I called them for the amount owed his exact words were my balance was  XXXX  and it was for an entire year until I disputed it off my credit file. They never mailed me any information of what the car sold for, my balance owed, or any information regarding the vehicle I made several attempts by calling, mailing letters with no response They told me I owe nothing. When I disputed the loan amount went from   XXXX   to  XXXX . I disputed it again they decrease it to  XXXX  dollars
Diversified responded to my XX/XX/XXXX complaint ( XXXX ) with a letter with half truths : DCI contacted me several times at the end of XXXX. I received a collection letter dated XX/XX/XXXX on XX/XX/XXXX. DCI contacted me via phone on XX/XX/XXXX and again on XXXX and on XX/XX/XXXX after I had asked them several times not to contact without the proper verification. I stated that I had not received an itemized statement and that I had only received a demand or collection notice. I sent via XXXX a debt validation letter on XX/XX/XXXX, a letter that was not received in Diversified 's office until after XXXX XXXX. on  XX/XX/XXXX, so how on earth could they have responded to my debt validation letter on XX/XX/XXXX if they had n't even received it? I provided to the CFPB the receipts and receipt of UPS letter on my initial complaint, I will submit them again for you to review. Additionally, DCI claims that I requested billing statements, which is false, I requested a detailed itemized invoice of the alleged debt owed and I have not received a detailed itemized statement of the account to date. Diversified failed to provide this within 30 days and I have proof. Diversified did n't respond to my XXXX/XXXX/XXXX and they completely omitted it from their statement. Why do you suppose that is? Because Diversified did not follow the proper protocol and still reported a debt that has not been validated which in a violation of my rights under the FCRA.
My Credit Report now shows a " Collections '' account regarding a " XXXX '' account from 2011 being collected ( and reported to Credit Bureaus ) by Real Time Solutions in XXXX. I immediately contacted RTS and told them this was not my debt. They did not contact me prior to reporting ( despite having my email address ). 
They advised me to send them a Police Report ( I.D . Theft ) and they would remove it. This was done. They then asked for an Affidavit, which I completed. Real Time Solutions is polite but they are not transparent about the status or anticipated resolution. 
They illegally reported this, they did not contact me prior, and they have not yet removed this despite me complying with every action they 've asked me to take. When I ask about resolution.. they respond " It 's in " Research '' ''. 
I did have identity theft in 2011 and had to change my bank account. I explained this and provided them with a police report. 
There is no apparent resolution, yet my credit report has been severely impacted and I was denied a XXXX card which I needed for work expenses.
XXXX refuses to delete this account from my report, after they told me they will remove, once the account is paid in full., since the account was charged off/closes. I paid the account in full, so now they are saying they will leave the account on my report for seven years. that was not our agreement. My XXXX XXXX XXXXXXXX account is paid in full and closed, so please remove it from my report. Also, i have my XXXX XXXX XXXX XXXX account with XXXX, that was charges off/ closed, that i am currently making monthly payments on to XXXX, and I was told the same agreement once that account is paid in full, which I believe will be XXXX 2018.
I have attempted to work with TransUnion in removing an account that is a result of identity theft with no resolution. I have attached my identity theft report and police report for further assistance. 

The following accounts I am disputing are : XXXX XXXX XXXX ( Identity Theft )
On XX/XX/2018I received a notice that PNC bank had issued a 30 day late default on my credit report. In XX/XX/2018 I entered into a PNC personal loan that was supposed to be auto removed from my PNC account.. The first auto removal was in XX/XX/2018 and was deducted correctly. In XX/XX/XXXX I received notice that XX/XX/XXXX payment had not been made. I contacted PNC two separate times around XX/XX/XXXX and was ensured every thing was fine that they are unsure how the situation happened and I was scheduled for auto deduct and every thing should be fine. When I received the notice today I called PNC and after 1.5 hours was able to finally find a person that could figure out what happened with the account. She stated that at some point after to first auto deduct PNC went in and adjusted my rate to reflect the agreed 0.25 deduction for auto deduct payment and that some how messed up PNC 's system and the payment was not taken out. It happened again in XX/XX/XXXX she said, even after I called on 2 different occations and was told it was corrected. I am not late on any payments. My credit should not have been negatively affected this way. This was a PNC error. I am not late on any payments and all payments are up to date. Please remove this from my credit.
Gold Key Credit , Inc. is attempting to collect debts already discharged i n Bankruptcy i n 2013   . The Debt collection company fraudulently changed the dates of the debts and have reported the debts as outstanding to the credit bureaus  (    XXXX   XXXX   XXXX   ) as current accounts.
I recently purchased a copy of my XXXX credit report and notice that CONVERGENT OUTSOURCING INC is reporting negative information without giving me the right to dispute. I had moved from the address but I had my mail put on hold until I recieved my approval letter for my deed in lieu, after I recieved my approval I changed my address to my new address.
Navient continues to try to collect a full payment ( monthly ) by requiring me to reset the online payment amount shown on their website ( on a monthly basis ) in order to pay the agreed upon income repayment plan amount. I can not enroll in the automatic online repayment or the full {$1200.00} will be taken from my bank. So every month I pay manually ( online ) by going in to 'reset ' to the lower amount prior to submitting my payment. I asked Navient about this and they said I ca n't remove the higher amount. So I tried paying the higher amount down- but it ca n't be done. It just renews to the {$1200.00} every month.
I wish to amend my former complaint XXXX. <P/>Part of that complaint was as follows : I was dual-tracked by Bank of America. I received an approved modification package effective XX/XX/XXXXXXXX... But they still foreclosed on my home effective XX/XX/XXXXXXXX... To this day Bank of America is still listed as the owner according to my local tax collector. <P/>Bank of America responded to my chain of title problem with this : " Regarding Bank of America 's name being listed as the owner of the property, my research shows no changes have been made to the recording of the Deed of Trust since its original recording date of XX/XX/XXXX. If you wish to pursue this matter further, we will need you to provide more specific factual detail in support of your claim and I will investigate the matter. '' And I rebutted thusly : I explained exactly what I consider to be the issue and what the solution should look like- if you search my address in the XXXX County tax collector 's site, you see that the [ BoA ] is still listed as the owner of my home. I did not make that change- what made that change is that the company foreclosed and recorded the new certificate of title on XX/XX/XXXX. Then when they rescinded the sale they did not record a new certificate of title. So even if I am legitimately vested on title, I might as well not be if there is no recorded document to that effect. I could n't apply for my XX/XX/XXXXhomestead as a result. I should not have to investigate, execute, or pay for that work- the company should do it. <P/>I 'm amending my complaint because after seeking mortgage assistance again from BoA in XXXX, I have been approved for a short sale ; however, the following communication ( also attached ) came in to my realtor through XXXX on XX/XX/XXXX : " Good Afternoon, I received the Appraisal and it had Bank of America as the owner. I have verified that the property title is showing this also. I need the Title corrected to show XXXX XXXX XXXX as the owner to move forward. I am not sure how long this will take. Thank you, XXXX XXXX XXXX '' So, after everything, I was correct, and BoA bumped me off title when they foreclosed in XXXX.
I been in bankruptcy since 2009 and this debit is XXXX years old and collection calls XXXX time a day
They say i owe this debt, but they can not provide me proof of my whole, Social Security number or even baring my full signature, and have not provided me with an agreement between me their establishment. I sent them a validation letter but they provided me with a computer generated report of transactions which may not be accurate.
WELLS FARGO ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify WELLS FARGO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WELLS FARGO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Approximately a year ago, I opened a Macy 's account and in the next few months purchased several items. In early XXXX 2016, I received a letter from the collections department stating that because they could n't contact me by phone, I might not be aware that my Macy 's American Express Card account was past due. ( Our mailing address has not changed in some 10 years. ) I called the number listed in the letter and explained to the agent that the account was past due because I had not received any monthly statements or bills and asked for an explanation. None was given, but the agent said that I would begin receiving monthly statements and that all late fees and interest charges would be credited back to the account. 

I finally received the XXXX thru XXXX statements in early XXXX, but the late fees and interest charges had not been credited and though monthly statements are now received regularly, not only have the late fees and interest charges not been removed as promised, but new ones are added each month. 

In mid XXXX we sent Macy 's a check for the merchandise that had been purchased and not returned. 

My husband and I have both spoken with various collection department agents and explained our position that we have paid for the merchandise and since I was told that the late fees and interest charges would be removed, we do not owe them any money. None will discuss why no statements were received until numerous late fees and interest charges had been added to the account or why those fees and charges have n't been removed as promised. 

The last of several letters I 've received since the initial one in XXXX, all urging me to call them to discuss getting my account " back on track '', arrived in early XXXX from Citibank via XXXX XXXX. Apparently the need to capture a phone number to use to harass us is important enough to use such silly gestures.
T o whom it may con cerns, I recently disputed this debit and I received copy of the bill which included my medical record. I have never authorized  XXXX   XXXX   XXXX  to provide my medical record to a third party. The document provided by the debt collection agenc y ( Medical Revenue Service ) is cle ar violation of t he HIPAA l aw.  XXXX   XXXX   XXXX  has provided my lab report which clearly stated the details regarding my lab. These are medical information that should have stayed between my doctor, myself and the hospital. I was traumatized during that period and my medical data and information should stayed with the doctor. I was never given the chance to review this bill because I have never received it and I certainly did not authorize  XXXX   XXXX   XXXX  to provide my financial and medical record to a third party. I do not know who Medical Revenue Service is and I absolutely do not owe them a single penny.   I am allowed under th  e Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the attac  hed account to be deleted immediately from all three credit bureau agencies.      XXXX   XXXX