WillisBack/dataset-financial-user-claim huggingface dataset:
Upon reviewing my credit report I noticed that American Medical Collections was reporting an account. I called them and I instructed them that I have no idea what this account was about. I advised them that I have full medical coverage and that I have no outstanding medical bills. I explained to them that I was willing to pay the amount of {$120.00} but I needed for them to remove this information from my credit report as the account was not mine. I offered to pay the account as my job is extremely sensitive to my credit report. I was instructed that they will not remove the information because I verified my address. I explained that I never received any notice or mail concerning this account. But they continue to insist that they will not remove this account even if it was an error.
On XX/XX/XXXX I was in a car accident that resulted in my car being a total loss. My insurer requested a Letter of Guarantee from Ally Financial so that they would be able to send a check. ALLY requested an evaluation letter and a breakdown of the charges. The Insurer sent them the information that was requested in XXXX. Ally financial continued to delay ( Stating things were wrong on the evaluation even when things were sent over to them proving otherwise ) and did not respond to XXXX XXXX request for the Letter of Guarantee. Ally finally sent the letter of guarantee on XX/XX/XXXX and Ally received the check from XXXX XXXX on XX/XX/XXXX. Ally financial stated they are charging fees for late payments in the amount of {$720.00} and can not explain or show documentation of where these fees are coming from. I spoke with someone who claims they are financing fees but how can intrest occur on amount paid by the insurer. I have gap insurance which covered the reminder of the amount that was owed at the time of the accident ( XX/XX/XXXX ). I have reason to believe that ALLY Financial is defrauding the account. I and my insurer have tried to contact Ally Financial about this issue but continue to get transferred with no one telling us why these fees were assessed to the account. On top of that they did not tell us we owed any fees until XX/XX/XXXX. They also have reported to the credit bureau that I have missed payments and delaying my home buying process.
XXXX XXXX XXXX has not been reporting my accounts to at least 2 bureaus and i have continuously disputed this issue with the credit bureaus and the company. I have had this account since XXXX 2015 and have never been late etc. XXXX XXXX has n't repoted my account in over 4mnths. They claim the are but the report agencies say they dont see the account. This is a company that is actually hurting my credit by not reporting it. Its been a headache dealing with this.
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX XXXX for XXXX XXXX XXXX XXXX with a balance of {$400.00}. I have XXXX numerous notifications to these companies that this is identity theft yet they continue to show on my credit reports despite me being the victim of the crime.
Hello, I am writing to request your assistance regarding an issue with my student loans, because my student loan servicer has improperly and inexplicably increased the principal balance of my loans by {$660.00} between my XXXX and XXXX, 2017 bills. My loan servicer is PHEAA who has been completely useless is resolving the issue with my loans.
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I am currently on the REPAYE repayment plan, where the monthly payment is calculated as a percentage of income. If the monthly payment does not cover all of the interest that accrued during that month, 50 % of the unpaid interest is cancelled and the other 50 % is added to an unpaid interest balance ( listed as " Outstanding Interest '' on my loan statements ), which does not accrue more interest. Regardless of the monthly payment amount, the principal balance of my loans should not increase.
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I am attaching my monthly billing statements from XXXX through XX/XX/XXXX. I consider the XXXX through XXXX statements to be " correct, '' however on the XXXX statement the principal balance on my loans inexplicably increased by {$660.00}. From the time I enrolled in the REPAYE payment plan in XX/XX/XXXX through XX/XX/XXXX, the principal balance of my loans stayed constant at {$130000.00} ( listed as the " Current Balance '' ), however on my XX/XX/XXXXbilling statement the principal balance of my loans inexplicably increased to {$130000.00}, an unexplained and improper increase of {$660.00}.
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Because I am on the REPAYE plan the principal balance should not be increasing. In addition to increasing the principal balance by {$660.00} that I do not and should not owe, the increased principal balance will accrue additional interest and this error will substantially increase the amount of interest over the life of the loan.
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PHEAA has absolutely refused to fix this error, and their general attitude seems to be that a {$600.00} error is too small for them to worry about. They further insinuate that because I am on the REPAYE plan, the entire balance will eventually be cancelled and therefore I should n't worry about it. However, my income may increase substantially in the next few years and I may pay off the loan early, so I would like the balance of my loan to be correct and not be improperly inflated by bogus accounting errors.
Twice I have been contacted by debt collectors on behalf of XXXX at my place of employment. To my knowledge, I never gave XXXX my work phone number nor did I authorize them to contact me at work. When this happened the first time ( XX/XX/2016 ), I called XXXX Customer Service and requested they not contact me at work anymore. I was told verbally by a representative that they would not contact me there anymore. I also subsequently canceled my Internet and Cable service with them due to my displeasure of them resorting to these tactics to collect money I owed them in addition to them repeatedly disconnecting my services for payments not made mere days after they were due. 

On XXXX XXXX, 2016, I was once again contacted at my place of employment by a debt collector seeking payment for my remaining balance to XXXX. I expressed my displeasure to the creditor and she said " I have several complaints like this ''.
I had XXXX I 'm not sure when I contracted but when I did the installer had to enter my home through the attic. The room where the attic is located in a room I rarely enter so I did n't notice that the installer damaged my property until later. I notified XXXX on a call to them while addressing another issue be it there poor service which went out quite often or an occasion where a representative was very rude to me and refused to transfer and I had to escalate the call. At any rate, I ended up canceling the service when they renigged on offering a payment plan and then said they did n't and it was just one thing after the next. They threatened to take funds out of my account which I did n't have and said that is what I agreed and then refused to send me the contract. When I mentioned the damage they then sent me on a wild goose chase to file a claim for which the company has no affiliation with them. Some of the interactions were just simply unprofessional and not very helpful. When I finally received a call from a collection company I informed them of the damage and advised that I was disputing the amount which is {$100.00} and asked if I needed to place the information in writing the representative stated no. I did n't receive any additional calls from them. It 's the New Year so I wanted to take a gander at my XXXX and low and behold who has placed a Collections on my file. I am still in dispute with this and feel that they should have investigated this claim that their employee damaged my property. Then they damage my credit this is unfair treatment but this is how they have been treating me since I 've made my claim. Please investigate XXXX and the Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. You attention is greatly appreciated.
I have been a customer of wells Fargo for over 5 years. I noticed that as soon as i decided to have my check direct deposited I was being charged fees that was unwarranted. I believe wells Fargo deliberately sequenced my checking account to reflect me not having enough in my account to cover minor transactions so they could charge me overdraft fees. Now they said my account was not eligible for overdraft service so why am i subject to those fraudulent fees.
I currently do not have any outstanding accounts. The debt collector 's name is First National Collection Bureau , Inc . The only information provided about the creditor is : XXXX XXXX XXXX and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.
In XXXX XXXX I got an auto loan from Susquehanna bank. After making several payments, Susquehanna sent an incentive to " skip a payment " for the holidays. I paid the {$30.00} fee ( interest payment ) and was everything was fine, my next payment was due the following month. I continued making my payments. Fast forward to XXXX, when BB & T buys Susquehanna. I begin receiving letters that I 'm behind on my car payment. Then my credit is hit 3 times in a 90 day period, saying I 'm delinquent 90 days. The local branch shows all my payments are current but corporate is showing different. Because of the buyout, I can no longer access prior bank statements, only corporate can. I was told by local branch it was a bank error and they would be in contact to fix everything. After a few days with no phone call, I called the collection dept that keeps sending letters. I was told because BB & T does n't do skip a payments, they do n't honor them, even though Susquehanna offered these. So I was told they will continue to hit my credit and send letters til it is brought " current ". How is this legal? This was an incentive offered by the bank BB & T bought. At this point, it 's looking like I 'm going to have to get a lawyer involved.
Under one of the " negatives '' attached to my report they have an entry which says, " oldest account opened too recently ''. 

My oldest account is with XXXX and is XXXX XXXX XXXX. 

Please correct.
Hi Dear CFBP Team, My name is XXXX XXXX. Recently I got affected due to the natural disaster in Florida and you help me getting a plan with Ocwen to pay the amount of {$1900.00} for a period of 6 months ( XX/XX/XXXX XX/XX/XXXX ). I recently sent a payment and Ocwen voided. So I called Ocwen today XX/XX/XXXX ( XXXX / agent XXXX ) and they said that because I was 48 days behind they proceed to cancel the plan and now they are requesting me to pay the 6 months all at once. I asked them why they did not informed me any of this and they said that the plan closed automatically and that they do not inform about this. So, I asked them to reopen the plan they said they can not and that I have to pay 6 regular months to put my house up to date. 
Obviously they are aware of my situation and there is no intention to help me. It is true I was behind few days but I sent the payment and they rejected. 
I really appreciate your help to this matter. 
Kind regards, XXXX XXXX Ocwen Acct # XXXX
All they did was verify it is my account. But again this is an outdated XXXX account that is suppose to be dropped off in 10 years. 
I do n't understand why Equifax does not follow their own policy.
The mortgage company caused multiple delays in the closing process. These delays caused much stress for both me the buyer, as well as the seller who almost cancelled their contract. This issue resulted in XXXX closing dates not achieved, as well as several thousands of dollars of extension fee 's that were levied onto my loan even though I had nothing to do these delays, XXXX % of the time I returned any requests, or documents requested before the next day. I feel this was a form of extortion, for that regard, it would be next to impossible to restart the process with another institution this far into the process. Furthermore upon reflecting back to those issues, I feel that maybe those issues were intentionally caused, maybe to create a stream of revenue for the bank, which if that is the case I think it maybe fraudulent.
XXXX, a medical equipment company, improperly submitted a claim to our insurance company. I contacted the company, after speaking with our health insurance, and asked that the claim be resubmitted. We did not receive a second statement and the debt ( XXXX ) was submitted to AARGON, a collection agency. We have filed a formal grievance through the insurance company but XXXX refused to resubmit the claim using proper medical coding and refused to assist either my husband ( the patient ) or myself with the claim. The first telephone contact with XXXX was made in XX/XX/XXXX after we received the insurance explanation. My husband, myself, and our insurance company all attempted to speak with their company without success. We received a notice of collection dated XX/XX/XXXX.
I tried to communicate as instructed by XXXX XXXX XXXX XXXX XXXX ( see attached ) with " servicer '' to address my concerns in XXXX email dated and forward to all parties involved on XX/XX/2018. Please see below email forward. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To XXXX CC XXXX, XXXX XX/XX/XXXX at XXXX PM XXXX XXXX XXXX, XXXX XXXX has informed me to contact you " the Servicer '' ( SLS ) and now I have been declined information from both you and XXXX XXXX referencing my concerns as a consumer-homeowner. 

XXXX XXXX stated SLS in fact is not affiliated with XXXX XXXX in anyway ( per the XXXX letter attached from XXXX XXXX ). These statements from XXXX XXXX are misleading, deceptive and confusing. " Please advise clarity of your affiliation and a detailed explanation of your position. 

If all possible can you furnish me a contract that confirms your interest in and with XXXX XXXX  and all Trust, in addition to a clear chain of title from the originator due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX having no knowledge of the chain of title who in fact transferred this unlawful transaction to you without merit. 

PLEASE NOTE THIS IS NOT A DUPLICATE COMPLAINT Please confirm and respond within 15 days of receipt. 

Cc : XXXX XXXX XXXX XXXX - VP
My loan is serviced through MOHELA and is at a 9 % interest rate. In XXXX, XXXX, I called to inquire regarding my high interest rate and possible options to lower payments, etc.. I was told that I 'd been charged incorrect interest since the loan originated ( XX/XX/XXXX ) and to " hold off payments '' until MOHELA 's accounting department could reconfigure my balance. On XXXX/XXXX/XXXX, I received a letter that my terms had changed to 8.17 % and balance reduced from {$36000.00} to {$23000.00}. This reduced my payment significantly and I made many financial decisions based on this information. I proceeded to make a home purchase, my credit improved, and I took a new job in another state. Subsequently, on XXXX/XXXX/XXXX, I received another message from MOHELA stating that the terms had been CHANGED BACK ( 9 % interest rate ) and my balance had actually gone up because they 'd put my loan in forbearance while their accounting department calculated what my new payment would be at 8.17 %, etc.. In calling MOHELA, I was told that the original person who 'd given me the information " had been XXXX '' and could not be reached. I then spoke with multiple supervisors in Customer Advocacy. " XXXX '' is my primary contact and states she is " trying to get Senior Leadership to do something but having a hard time ''. I 've gone weeks at a time without receiving a call back and it has taken hours of my time to try to get this resolved. I am a XXXX working at a XXXX and do n't have time in my day to constantly try to get an answer. I feel like I 'm being ignored and it seems unethical and illegal that a financial institution of any kind could change one 's loan terms on a whim. I made financial decisions for my family based on information received, only to have them change it back " because we made a mistake ''. The change in terms was in writing and they should be held accountable. I understand I have an obligation to pay my loan, but MOHELA has an obligation to provide accurate information and abide by the terms they provided me on XXXX/XXXX/XXXX. I encouraged them to utilize their " mistake '' for future training of employees or in looking at their processes. XXXX and financially, I was so relieved to hear that my balance had been reduced and that I would be able to meet some financial goals I 'd been pursuing. For MOHELA to make such changes on a whim, without this in consideration, is completely unethical. Something NEEDS to be done.
Bank of America provided checks with my Equity Line of Credit. The XXXX check ( # XXXX ) was deposited into the payee 's Bank of America account. The XXXX check ( # XXXX ), made out to the same payee, was rejected by a branch of Bank of America ; the reason, " REASON-S ''. My primary concern was to have my rejected check ( # XXXX ) stopped permanently since the payee refused to return it to me, but according to a number of representatives with whom I spoke, the " stop '' can only be executed for 6 months at a time and then must be renewed. Since my Line of Credit expires in 2019, I will have to reinstitute the " stop '' XXXX more time during the life of my loan. As you will see in the attached letter to an executive officer of Bank of America, the details are quite clearly stated, but this executive elected to pass it on to someone who never read all my documents and was attempting to simply get me out of the way. I 'm sure the bank has it in their power to clear up this problem, especially since it was their organization that submitted to me checks to use, without restrictions. If additional documentation is required, I will be happy to submit all that I have.
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be  compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , Equifax and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. I have made all the reporting credit bureaus aware of the Identity Theft and the Fraudulent accounts and nothing.
On XXXX XXXX, 2015 I called midland credit management. I verbally requested that they send me verification that they owned the debt. I also wrote them on XX/XX/XXXX and have yet to receive anything from them at all. I have requested that they stop reporting to the credit bureaus and they have not stopped. When I disputed it with the credit bureau they responded back stating that MCM sent them information stating that they own a debt that I owe. Well, I 'm still waiting on this as I have a right to see that they do in fact own any debt that I owe.
FREEDOM MORTGAGE ORGANIZED A COMPLICATED FRAUD COVER UP IN XX/XX/XXXX WITH XXXX MORTGAGE. XXXX XXXX HAS CONFIRMED LOAN ORIGINATION FRAUD AND EMBEZZLEMENT / MISAPPROPRIATION OF FUNDS OCCURED AT FREEDOM MORTGAAGE AND XXXX XXXX WHEN FREEDOM MORTGAGE WAS CONFRONTED AND CAUGHT ... THEY SOLD THE LOAN TO XXXX *** XXXX REQUESTED THE PROPER LOAN DOCUMENTS TO PROVE THIS WAS NOT A FRAUDULENT LOAN .. AND INSTEAD GOT AN ORGANIZED CRIMINAL COVER UP ORCHESTRATED BY FREEDOM MORTAGE 'S VICE PRESIDENT, XXXX XXXX *** FREEDOM MORTGAGE NEVER PRODUCED THE DOCUMENTS NOR DID THEY DEFER OR REFUSE TO COMMENT AS UNAUTHORIED 3RD PARTY IN XX/XX/XXXX ...  ALTHOUGH LEGALLY THEY SHOULD HAVE AND FORCED XXXX TO CANCEL THE LOAN DUE TO NOT HAVING THE PROPER DISCLOSURES OR LOAN DOCUMENTATION *** FREEDOM MORTGAGE LIED TO THE CFPB AND THE CONSUMER IN XX/XX/XXXX AND XX/XX/XXXX AND MISLEAD BOTH OF THEM ON HOW THE REAL ESTATE SETTLEMENT PROCEDURES ACT WORKS WHEN ENFORCED *** YOU CAN NOT MISLEAD A CONSUMER ... YOU CAN .NOT LEAVE OFF LENDER REQUIRED ITEMS TO MAKE A PAYMENT APPEAR LOWER *** WHEN ERRORS OCCUR THEY HAVE TO BE CORRECTED OR 100 % OF THE LOAN HAS TO BE CANCELLED ... IMMEDAITELY ... WITHOUT QUESTION, HARASSMENT, EXTORTION OR ANY FURTHER COLLECTION ATTEMTS OF ANY KIND *** THIS IS COMMON SENSE AND IT IS THE LAW IN EVERY INDUSTRY*** XXXX HAS NOW LOST THEIR STAR WITNESS ... XXXX XXXX KNOWS SHE BROKE THE LAW AND NOW REFUSES T COMMENT *** XXXX KNOWS FREEDOM MORTGAGE BROKE THE LAW *** XXXX BROKE THE LAW BY COVERING THESE FACTS UP *** AND NOW EVERYONE IS HIDING FROM EACH OTHER HOPING WE JUST GO AWAY ... THERE IS A 0.0 % CHANCE OF ME GOING AWAY WITHOUT JUSTICE IN THIS CASE ... I FOLLOW THESE LAWS EVERY DAY ... I EXPECT EVERYONE ELSE TO DO THE SAME WITHOUT QUESTION ... ALWAYS FREEDOM MORTGAGE ANSWERED THE PREVIOUS COMPLAIBTS FALSELY AND ENTHUSIASTICALLY ... SO WHY BE COY NOW??? YOU BROKE THE LAW,,, FACE THE CONSEQUENCES. I CAN NOT SELL STOLEN GOODS OR MISLEAD PEOPLE BY HUNDREDS OF THOUSANDS PF DOLLARS ... AND NEITHER CAN THEY. WE ALL FOLLOW THE SAME LAWS ... SOME OF US JUST NEED FINES AMD PRISON TIME AS REMINDERS. WE HAVE PROVEN FRAUD ... XXXX CONFIRMED FRAUD AND LATER COMMITTED THEIR OWN FRAUD ... SO WE ARE EXERCISING OUR RIGHT TO IMMEDIATE LOAN FORGIVENESS. IF THEY REFUSE TO COMPLY ... I ALSO WANT THE RECORDING MADE OF MY XX/XX/XXXX-XX/XX/XXXX PAYMENTS AND XX/XX/XXXX TO XX/XX/XXXX PAYMENTS IN XX/XX/XXXX ... WHERE XXXX COMMITTED WIRE FRAUD BY TELLING ME THEY WERE APPLYING PAYMENTS TO MY ACCOUNT WHILE SIMULTANEOUSLY STEALING THEM AND NOT PAYING PRINCIPAL AND INTEREST FIRST AS REQUIRES BY THE RESPA. ALSO ... WE HAVE ESCROW FRAUD IN XX/XX/XXXX. I IMMEDIATELY PAID THE ENTIRE ESCROW SHORTAGE FROM THE ANNUAL REVIEW OF XX/XX/XXXX AND IMMEDIATELY GOT A DEMAND LETTER FOR MORE MONEY AND ANOTHER ESCROW SHORTAGE ... THEY CONTINUE TO USE COMPUTER FRAUD TO STEAL $ $ $ AND LEAVE CONSUMERS STRUGGLING TO KEEP UP WITH THE CONSTANT DISHONESTY.
I had a promotional balance with Best Buy. The promotion ended and I did n't know about it. I contract the XXXX number and was told it was to late and 2 months ago that they could n't help me. I was told the only way to get help was write a letter to a different department. I also found out I was n't receiving a statement paper or via email. I was told if I did receive the statements I would know of when the promotion was ending. I was however receiving a due date payment which I had thought this was my statement but it turns out it was n't. I did however completely pay off my bill minus the interest. I have now sent XXXX letters to the department they told me to contract and I have n't received anything back.