WillisBack/dataset-financial-user-claim huggingface dataset:
My mother obtained a credit line mortgage with PNC bank, I 'm not sure about the details because I 've requested the terms of the loan several times, but it 's not legible. I 've made payments based on advice from the estate attorney, until a couple of years ago because I can no longer afford to make the payments. I 'm was the executor of the estate and filed all the paperwork to PNC and five years after my mother 's death they are harassing me about the payments on a house they 've now placed in foreclosure. 

I 've made an offer on the house a couple of times and have n't heard back from PNC on, my offer, but are receiving constant calls about the back payments. 

My mother 's house had been paid off for several years, and even though I can not prove this I believe she was misinformed and obtained this credit line under distress because she was very ill at the time. In addition, I find it very hard to believe there was no insurance on this loan when she had insurance to cover every credit card that had a balance.
I hit debris in my car on a n Interstate highw ay on  XXXX   XXXX ,  XXXX  because another driver did not tie down materials on a trailer being towed behind a pickup truck, my understanding  is 6 cars  were disabled from the trailer debris. My insurer  XXXX   XXXX  had me tow the car to a nearby repair shop and I had to make accommodations to stay overnight and proceed home in the morning, I was  2 h ours from my house after  XXXX  on  XXXX   XXXX ,  XXXX . I incurred expenses and when I contacted  XXXX   XXXX  about expenses, they told me to pursue reimbursement from the insurance company of the driver of the truck and trailer who was responsible for the accident.  XXXX  was the insurance company of the driver responsible for the accident,  XXXX  stated they had  XXXX  claims from this accident and a limit on pay out so they would divide the payment to all claimants.  XXXX  mailed me a check for {$1600.00} on  XXXX   XXXX   XXXX . I picked up my car from the repair sho p 2 ho urs from my house on  XXXX / XXXX / XXXX  after paying a {$500.00} deductible.  XXXX   XXXX  billed me for cost of repairs of my car on  XXXX / XXXX / XXXX , I sent  XXXX   XXXX  a letter on  XXXX   XXXX ,  XXXX  stating that  XXXX  sent to me a reimbursement check for expenses.  XXXX   XXXX  never responded to my letter and turned it over to the  AFNI Inc coll ection agency in  XXXX  of  XXXX . The collection Agen cy ( AFNI Inc. ) s ent an invoice to me which I responded to with a letter on  XXXX   XXXX ,  XXXX  stating that I dispute the validity of the debt and aske d AFNI Inc. not  to contact me until they provide documentation that supports their belief that I owe this deb t. AFNI Inc  has not responded to my letter and have been leaving messages on my phone and sending threatening letters affecting my credit rating.
XX/XX/XXXX Dear XXXX XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XX/XX/XXXX in XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I 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 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. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX
I have several late payments o. My credit report from navient dating back to XX/XX/XXXX. The rep told me it 's 6 months, however I had a payment agreement set up with navient. They would automatically take {$220.00} from my bank account every month. This payment arrangement was set up in XX/XX/XXXX. I ask rep how am I 6 months late payment when I had the payment agreement set up? She then told me it as partial payment. I was NEVER informed of this. I was told that my monthly payment will take care of my loans. These lates are extremely damaging to my credit. The CSR let me do a retroactive forbearance but it does not update the credit report. What navient has done to me is unfair. They took my money for 5 months and continued to report my account as late. I recently applied for a discharge of loans with them since I was recently d 's as XXXX XXXX. The CAR said if approved they still wo n't remove the lates from my report. Please help me. email XXXX cell XXXX
I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!
There is a collection on my credit reports for Midwest Recovery Systems for {$770.00}. It was opened XXXX XXXX, 2016. I have no knowledge of this account. Also I am a resident of North Carolina. This company is not bonded nor licensed to collect debt in NC.
They had said I had insurance billed my old insurance XXXX because they said I had called into XXXX and told them I had XXXX witch I did n't have and they billed anyways well come to find out they said they offered me XXXX and they did n't even offer me it I am willing to seek legal help if this does n't help like I told them if I did n't have insurance I would of never gotten this procedure done and they think I am lieing about this situation and I am not I will get legal help because I am not in the wrong please help me
On XX/XX/XXXX, I opened an account with XXXX when I purchased a washer and dryer from XXXX. They assured me that XXXX would remove my old washer and dryer and install the new washer and dryer in my home. The sales associate was given my physical address for delivery and my XXXX XXXX for billing. When I was called on the delivery date before the washer and dryer were to be delivered, I was informed that the delivery did not include removal of my old washer and dryer and set-up of the new washer and dryer. At that time, I notified the delivery company that I would not be accepting the delivery. I then telephoned XXXX and inquired as to what happened with the service I paid for with set-up and haul away. At that time, the representative from XXXX informed me that the salesperson was new and didnt know that XXXX doesnt provide set-up and haul away services, even though I had been charged for those services. I then went up to the store and they informed me that they would cancel the purchases and close the credit card account and there would be no fees. 
In late XX/XX/XXXXI received a credit report that showed a delinquent charge with an unpaid balance. This charge stemmed from my purchase of a washer and dryer at XXXX. I telephoned XXXX and XXXX to try to straighten out the charge but was unsuccessful in getting a resolution. In order to complete my closing, I was required to pay the {$300.00} delinquent charge and work through this dispute after the closing was completed. What I have discovered since that time is that XXXX was sending statements for the washer and dryer I never received to my physical address ( where I dont receive mail ). On XX/XX/XXXX, XXXX mailed me the statements for the account I closed on XX/XX/XXXX. These statements show that I was charged delinquent fees for not paying on the account starting with the XX/XX/XXXX statement, even my credit report showed that XXXX reported the account closed on XX/XX/XXXX. It appears I continued to be charged late fees and interest. 
I was expecting the amount I paid, plus interest be refunded to me immediately. I expected XXXX to send me a letter stating that this is not a delinquency on my part so that I had something in writing to show if I have any other issues with this dispute in the future. In addition, I was also expecting that XXXX clear up my credit by informing the credit agencies that I was not delinquent on the account and that an error was made between XXXX and XXXX. XXXX has not cleared up my credit and despite attempts to resolve this myself with the credit agencies, the credit agencies have not accepted my dispute and revised my credit information.
Long story short I had XXXX back in XX/XX/XXXX I reviewed XXXX after getting discharged from the hospital and my bills were back dated. Things were a mess and finally got resolved after almost a year. All of my bills were finally all off of my credit minus a few here and there unfortuantely. All of my collections were officially removed about two years ago. I have not heard from collections, received anything in the mail, phone call or anything. My credit has been great, I 've never been late on a bill or anything. Well recently I got an alert from XXXX XXXX and have a bill sitting in collections for about {$670.00} I believe and I automatically contacted them wondering if maybe one slipped through recently since it was reported for XX/XX/XXXX.. I call and talk to a representive who says it 's from XX/XX/XXXX I explained to her that it was impossible because everything was taken care of and if anything it 's been seven years litterly in about a week. She told me my only option would be to pay for it again and threatened me that there was several other bills. I hung up with her and investigated the company as much as possible and read other people 's reviews of the exact situation I 'm suffering from and XXXX the same amounts. ( Which is odd ) I then filed a bbb report on them and was communicating with XXXX and I explained to him how it was clearly a scam and they have purchased or got a hold of old collection/medical bills and they 're trying to get me to pay for these again. He ignored everything I said and never replied acknowledging anything I was saying as it was my proof. I looked this company up on the assesors and it 's clear that they have had several licenses revoked and have went under serveral different business names as well. I still continued with the bbb dispute and the last response I received from him was " when they get proof it 's the consumers open debt they would send it out to me. '' So you mean to inform me that I have a collections account open when they have absolutely no proof but when and if they get something they will send it? So you 've never sent me anything? They also told me it 's now from XX/XX/XXXX and not XX/XX/XXXX. Regardless of it being XX/XX/XXXX or XX/XX/XXXX it would n't be able to be placed back into collections. They never responded to me, and I never heard or received anything. Bottom line it is illegal to place and old collections account back into collections. They have now called me from all kinds of different area codes repeatedly throughout the day but never leave messages and if I answer they say nothing to me. I feel like it should harassment to call through the night and all day with no response. I feel like they 're attempting to cover their end and have me back down on my dispute. I have filed disputes with all credit agencies, bbb and contacted my consumer complaint in XXXX and I 'll be doing XXXX as well after this complaint with you guys as I am now a XXXX resident. I just need help having this current bill put to a stop and all the others as it is effecting my credit tremendously. Thank You.
Within in my credit report I have that in 2010 I filled for unemployment, when this is impossible as I am self employed. On my son 's report ( he has the same name as me ), he has that he has paid a few vehicles, which were mine. So it looks like we have mixed information.
Wells Fargo was offering a {$250.00} bonus for new checking accounts. I opened a new account on     XXXX   XXXX   XXXX   and fulfilled the below requirements : " Open a new, eligible consumer checking account with a minimum opening deposit of {$25.00} ( not including the bonus ) by   XXXX   XXXX   XXXX       Within 60 days of account opening, either make  XXXX  purchases/payments with your  Wells Fargo   XXXX   XXXX  or establish a qualifying  XXXX   XXXX  of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer.     The  XXXX  debit card purchases/payments must be from the primary linked consumer checking account opened for this offer.     A qualifying  XXXX   XXXX  is your salary, pension, Social Security, or other regular recurring monthly income, electronically deposited to your consumer checking account by your employer or an outside agency. Transfers from  XXXX  account to another or deposits made at a banking location or ATM do not qualify as a  XXXX   XXXX . '' I made the required debit transactions by  XXXX / XXXX /  XXXX   within the 60 days, however the {$250.00} bonus never posted.     I followed up to ask when I could expect this and was told it can take up to 45 days. 45 days came and went and I sent a follow-up after 51 days. I was then told that it would be another 14 days to investigate but those 14 days also came and went.     I also stopped into a branch on multiple occasions during this period and had a banker trying to help on my behalf, asked me to electronically sign something on her electronic keypad for verification ( although it was never shared with me what I signed. ) She said she would call me back to follow through on whether I had received the bonus but I did n't hear back from her either.     I am including paperwork that includes the bonus offer code "  XXXX  '' that would seem to infer that  Wells Fargo  was going to award me this offer after fulfilling the requirements.
I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking Experian to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amount of {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to comply within the laws.
I got a call from Perfmance SLC saying that they could get my student loans payments smaller or even forgiven. So they set up an automatic payment to be taken out of my bank account each month and the last two months they have taken {$100.00} out of my account but did not pay it towards my student loans like they said. They did however sign me up to get my loans consolidated, so they could keep taking money out of my account without ever being caught. I would like to try and get if not all but at least some of my money back for I am unemployed at the money and every little bit of money helps.
I closed an account XXXX for cable services when moving out of my mothers townhome located at XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX The balance was paid in full and the equipment returned. Never received any information XXXX. XX/XX/XXXX I received a letter from a collections company stating that I needed to pay over {$440.00} because XXXX had turn a collection account on me for an unpaid bill. I do n't keep bills for these many years, so I had no way to verify that the account was taken care of. When I refused to make the payment and they told me that my credit will stay messed up until I paid the debt so I made the payment but the bad credit report still there. I am a poor student, I do n't have money to make XXXX even richer. While reading reviews on the collection company 's website, it sounds like XXXX has a scam going on with ENHANCE RECOVERY CORPORATION, to steal money from consumers. This is their information : Enhanced Recovery CorporationXXXX XXXX XXXX, FL XXXX XXXXThe account in question with them is XXXX. 
Someone needs to stop this type of activities to prevent businesses from monopolizing and taking advantage of consumers. This action on their part has caused my credit to be ruin. I am a decent citizen, working part time and going to school XXXX ; I still live with my parents because I ca n't afford to live on my own. I do not need the start of my adult independent life, to initiate with bad credit to affect my possibilities to request credit for the most basic needs in life such as car or home purchases. 
Sincerely, XXXX XXXX XXXX
On XXXX XXXX, 2014 we submitted all of our paperwork for a loan modification on our mortgage. We believed this to be the quickest and least costly solution to a foreclosure law suit that has drawn out for years. Our attorney prepared our documents and sent everything to our lender Nation Star in a timely manner. I was told by my attorney that it would take roughly 60 days for the banks to review the paperwork. It has since been 10 months since we submitted the documents and Nation Star has yet to confirm they have even received our packet. Our attorneys have sent several copies via certified mail with confirmation however our documents have yet to be reviewed. Because of the incompetence of Nation Star I have incurred thousands of extra dollars in attorney fees to continue this process. It was my understanding that a loan modification was the best way for both parties to come to an agreement on this drawn out case, however that has not been the case. I feel as though I have been taken advantage of because the banks have the money and power to continue dragging this out while my funds keep exhausting. My biggest fear is that Nation Star continues dragging this out and I will no longer have the ability to retain my attorney causing me to ultimately lose any chance I have to save my home. My case is now set for trial due to how many months the case has been stale with no progress.
On XX/XX/XXXX I received a response from XXXX XXXX but they have not resolved the issue. Below is my feedback : Please note, this is the first time I get a response in detail. I have constantly contacted your office about the {$920.00} and GAP insurance. I even reached out to the dealership and they explained it should have been covered by GAP. 
The last time I contacted your customer service department was on XX/XX/XXXX and spoke with agent XXXX, he explained the same as I mentioned in my complaint. He even opened a new dispute and sent it for review to the department that handles credit reporting. He also provided me with GAP 's customer service number to dispute the {$920.00} amount, the number he gave me is XXXX XXXX XXXX. Please review your system for notes about this discussion. 
However, based on your response, I now understand the information provided by your customer service department and total loss department has been incorrect, which resulted in the delay of the {$920.00} amount. Please put into consideration that my account with XXXX has always been in good standing, I have never defaulted in a payment. 
At worst case, the {$920.00} payment was delayed by two months, why it is been reported as charge off rather than late payment?? 
I ask you to please review all my discussions with your customer service department and my several attempts to understand that last pending payment of {$920.00}. 
Please note, this incorrect charge off in my credit is putting a halt in a car loan I am trying to obtain through your financial institution. I urge you to please look into this matter as soon as possible. Thank you for attention.
This debt is not mine Midland funding states that I owe them {$4200.00}. I never set up an account with XXXX XXXX Bank. Please call them and have it removed from my XXXX and XXXX reports.
I was traveling in XXXX in XXXX 2015, where I decided to make some purchases. Prior to making the purchase I wanted to verify that my Chase credit card would not have any foreign transaction fee so I contact their customer service department to verify the information.. The customer service representative at Chase informed me that there will be no foreign transaction fee since I informed her that XXXX XXXX dollar is pegged to XXXX XXXX dollar ( meaning dollar for dollar ). The Chase service representative did not give a clear concise correct information when inquired about the fee. Based upon the now erroneous answer from the Chase customer service representative, I made the purchase using the Chase credit card. Imagine my surprise when I received the statement following month when there is over {$880.00} in foreign transaction fee from Chase credit card. I have requested from Chase to review the telephone transcript from XXXX XXXX, 2015 and credit my account for the errors attributed by their employee, but Chase has refused to do so. I have also requested copies of the transcript of the phone conversation I had with the Chase customer service representative on XXXX XXXX, 2015 but Chase also refused that request. I feel that Chase credit card is at fault for relaying the wrong and confusing statement and now they wo n't even release the transcript of the phone conversation because the truth will expose their fault.