WillisBack/dataset-financial-user-claim huggingface dataset:
I was a patient XXXX Clinic and the owner, XXXX XXXX XXXX, was my XXXX. 
I went to this clinic XXXX. During the time that I received XXXX, I spoke to XXXX about my inability to continue XXXX due to the co-pay situation since I only had XXXX and they did take my Medicaid. 
XXXX told me personally to continue the therapy and that the co-pays would be written off. 
I would nt have continued otherwise. 
The co-pay was never written off and it has been sent to collections for some time now. Additionally, it has appeared on my credit report and it has adversely affected my ability to obtain credit. 
I am respectfully requesting that this debt be cancelled per the discussion that XXXX and I had during my XXXX sessions. In addition, I need the debt removed from my credit report. 
I have attempted to resolve this with collection agency and the clinic. I sent letters XXXX and they refuse to respond. I have made phone calls XXXX and they want to record my call ( which I am fine with as long as I get to do the same ). They have refused to have a mutually recorded conversation. They have refused my calls under these terms. I have requested XXXX to remove this debt off my report since they have not been able to validate the debt and they refuse to resolve it with me.
I noticed a collection account added to my  report  XX/XX/17  f  ro m  XXXX   XXXX . I immediately sent a letter via certified mail, fax and to the thei r executive em ails on   XX/XX/17  t o verify and validate this debt.   XXXX    notified Equifax that this account was being disputed  HOWEVER continued to collect on this account without sending me documents to validate and verify this debt. I immediately notified   XXXX   XXXX   of their violation and their failure to respond to my letter within 30 days. I also sent all necessary documents to Equifax requesting deletion for the c ompanies failure to comply with my request and the fdcpa. I filed a complaint wit h the BBB, CFPB an d the attorney Generals office in both Texas and Washington against   XXXX   XXXX  , and the company sent a response that they would immediately send a request to the credit bureaus to remove this negative account. I have attached that letter for your rev iew. I have called Equifax and spoke with a supervisor would could not confirm that they received my packet with over 60 pages of documents to validate my request even though it wa s sent certified mail and a return receipt was delivered to me. This is frustrating and this inaccurate data is affecting my credit report. Please remove it at once.
I took out a loan from this company, just after I took out this loan I was displaced from my job of 6 years, I was trying to do the right thing and notify this company of my displacement. I told them would like to set up payment plan until I get back to work I also told them I had to close my checking account the money wo n't be there do not debit my account they debited my account anywaysThen charged me XXXX on my account, the rep or supervisor refused to work with me telling me I had to pay the regular payment told them I do not have the money or resources at this time they told me nothing they can do, this company refuses to work with meOr set me up on any repayment plan which would allow me an opportunity to repay the loan
After a separation of 2 years, without being on my mortgaged property, it was ordered in a divorce that my ex-spouse had 2 years to obtain credit and take over the mortgage for the property that I had financed. It was also ordered that if at any point, she was more than 60 days past due, I would retain ownership and responsibility for the property. After multiple court proceedings for her contempt, the property was finally awarded back to me on XX/XX/2016. The mortgage was originally with XXXX, during the court proceedings the mortgage was sold to Seterus, a collection firm. On XX/XX/2016, I paid {$4200.00} to Seterus to make the mortgage account payments current and up to date and made every payment on time from that point until the house was purchased in XXXX. The house was sold on a VA loan. I contacted Seterus in XXXX and informed them of the sale. Seterus assured me that although the closing was set for XX/XX/XXXX, I did not have to make any further payment on the loan. I was concerned that this would negatively affect my credit score. The Seterus representative assured me that I had a certain amount of days before that would happen. I was under that amount of days. On XX/XX/2016 I made a final payment of {$190.00} to Seterus, the payoff difference. On XX/XX/2016, I received a check from Seterus for {$310.00} for over payment. In XX/XX/2016 I received a letter from Seterus, it stated that I was past due on the loan. I called Seterus once again to dispute. Their representitive confirmed that the house was sold and their were no late payments. After explaining I was trying to repair my credit. I requested to have their auditors update their report to the credit agencies. It is now XXXX it shows paid, but now showing I have late payments.
Attempt to send my $ to XXXX - denied. 

I call and the representative tells me about the risks of Cryptocurrencies. ( Which I find funny because this is my money ). 

2nd representative is straightforward and tells me that Capital One has decided to no longer support sending money ( even though it is my money ) to XXXX ( a legal company ). 

XXXX XXXX XXXX XXXX XXXX XXXX I file a complaint with CPFB at the end of XX/XX/XXXX. 

I received a letter ( XX/XX/2018 ) from Capital One stating ( attachment ) that they will give me an access code that may not work with all companies. [ To me this was just another gimmick to delay me as they already stated they wont honor my request to send my money to a legitimate business ]. 

XX/XX/2018 I logged on to my XXXX account and input their access codes and was denied. I have used various bank accounts and have NEVER had this problem. 

Again, to reiterate. This is not a credit card purchase. This is money in my bank that they REFUSE to allow me to transfer. They will not work with me that is why I am filing a complaint.
O
n XX/XX/XXXX I enrolled in EquiFax XXXX program due to a concern about my private data being breached. I was asked to provide credit card information. On XX/XX/XXXX, I attem
pted to access my XXXX account- error message stating " we are unable to activate your account '' On XX/XX/XXXX, I called and self identified myself, yet I am still unable to activate my account. Supervisor XXXX in " Authentication Department '' was unbothered and lacked motivation for my Identity being compromised.
After self identifying myself via live conference with customer service, and online, I am still being told " we are unable to activate your account ''. I am concerned because my identity is potentially compromised.
For years we have used billpay to make a payment to Nevada State Bank without problems. In XXXX we received a notice stating no payment has been made. On XX/XX/2016 a payment was deducted from our account at a XXXX where my wife works. On XX/XX/2016, a past due statement arrived in the mail. XX/XX/2016, On a 3 way call with billpay and Zion, NSB 's parent company, My wife was told to stop pay and reissue another payment by a Zion rep named XXXX. XXXX reissued another check and sent a letter of good faith. On XX/XX/2016, per XXXX made a 3 way call to billpay and this time got XXXX. They finally received the first check which had a stop pay on it and told us we would be charged {$25.00} for non sufficient funds, 2nd check had still not arrived with no explanation as to why. XX/XX/2016, another 3 way call to XXXX who transferred to XXXX for removal of NSF. She agreed to remove it XXXX time for something called life of loan. XX/XX/2016, Another 3 way call to XXXX who verified payment was posted on XX/XX/2016 for XXXX payment with a late fee of {$16.00}. XX/XX/2016, billpay sent a check due for XX/XX/XXXX, XX/XX/2016, called billpay to confirm check was cashed, it was not, tried calling Zion 3 different times, hung up on 1st time, next 2 attempts phone was hung up immediately. Billpay rep can confirm this. As of XX/XX/2016, we are waiting on a call from billpay, they are attempting to resolve the issue. 
My wife asked if she should send a payment in 2 weeks before it 's due and was told that was not needed as they back date journal entries. 
We have worked hard to keep a good credit score and Nevada State Bank or Zion is not helping.
Good Morning, On XX/XX/XXXX I filed to have my loan payment recalculated down from $ XXXX/month.  My documents sat there in the uploads with one part missing and no one told me. It was part of the application that is done through the federal student aid website. When I checked in on XX/XX/XXXX, I was told it was missing, so I added it. I was notified on XX/XX/XXXX that the loan recalculated, but it went up to $ XXXX/month, when it should have went down, as my family size changed and my alimony payments have been cut in half. I called immediately to ask that it be looked at again and am presently waiting on that. 

I do n't believe they are looking closely at the documents I have sent. I sent my paycheck, and my divorce documents. There is information that needs to be teased out when looking at these, like the dates of my alimony payments, which were to be $ XXXX/month starting last XX/XX/XXXX, and then go to $ XXXX/month nine months later. So as it stands, my alimony payments will be {$500.00} each month for the next 5 months, and then they will stop. This will add {$2500.00} to whatever they use as my base salary. I make {$32000.00} annually at my job, and I have started to work some overtime. This means that My base income will be {$34000.00} base pay until I re-certify a year from now. 

Travel reimbursement somehow gets lumped in to my gross on my check, so that needs to be scrutinized by someone who knows how to read a paycheck. I do n't know if they take into consideration what I would make after standard deductions on a tax form, as I am not using a tax form to recalculate, and they would n't tell me the numbers or formula they use to recalculate. If they tease out travel, and add a standard deduction of {$6300.00}, and 150 % poverty for a family of XXXX {$24000.00} ( which is the number I suspect they use to calculate though they will not confirm ), my discretionary income comes down to {$4100.00}. % 15 of  {$4100.00} divided by 12 brings me closer to $ XXXX/month. 

I need them to recalculate this correctly and be a little more transparent about how they calculate. I need to know they are using the correct numbers and looking at the documents I send. If they are not using the numbers I have used in the previous paragraph, I need to understand why. 

Thanks, XXXX XXXX
I just pulled my credit report and Hyundai Motor Financing has my payment listed as late over 30 days for XXXX 2015. I have documentation that shows that this is not true and has been continually paid. This is negatively impacting my credit report.
Paid debt off. RMP says I have to wait till the XXXX of XXXX To have it removed from my credit. I want it updated ( now ) within the next 24 hours with the 3.credit bureau. Thank you.
HarvARD COLLECTIONS ADVISED THEY WOULD DELETE MY COLLECTION IF I PAID THEM {$1700.00}. I BROUGHT THEM CASH AND THEY GAVE ME A DELETION LETTER BUT THE CREDIT BUREAU KEEPS SENDING INFO THROUGH XXXX XXXX ASKING THEM TO VERIFY THIS ACCOUNT SHOULD BE DELETED AND THEY WILL NOT RESPOND. THEY TELL ME THAT XXXX SHOULD CALL THEM. XXXX TELLS ME THAT HARVARD SHOULD CALL THEM TO REMOVE IT. NO ONE WILL PICK UP THE PHONE AND CONFIRM IT NEEDS TO BE REMOVED OR SEND THE INFORMATION THROUGH XXXX XXXX TO CONFIRM IT NEEDS TO BE REMOVED.
This company is n't collecting on the debt so why is your company still have it listed, requesting removal
I have previously disputed the following inquiries on my credit report and TransUnion refuses to remove the following inquiries, even after providing proof that the inquiries were fraudulent.     I 've contacted  XXXX  and they are unable to find inquiries or reason why they put an inquiry on my report.     -  XXXX   XX/XX/16    -   XXXX    XX/XX/16
The account shows the Status was Charged Off but it also shows that there is a balance and past due amount of  {$4000.00}. How can there be a balance or past due if there was a charge off?
I have advised the Cash Store a few times that I have spoken with an attorney but due to the holidays, I will not hear from him until Monday. Cash Store called me XXXX a day even though they were told by me that I work during the day which is XXXX Monday through Friday. I just started this job on XXXX/XXXX/15 and I am still on probation until XXXX, therefore I ca n't just working to answer their calls.
I received a credit card from hsbc bank. I had issues was not working and received a debt release or credit release indicating since I had not paid my debt, It would be added to my income. Since it was added to my income then it became as a debt that was paid. They should not be reporting to the credit agency as not paid. XXXX, XXXX and XXXX. I have already reported the debt as part of my income and was taxed on that incomed. This appears to be a form of accepting payment twice for credit that was added to my w2 form as a form of income. Is this a legitimate business practice. If it is please explain the law or statue that allows it. Not a business policies. Policies are not laws. 
Please assist me. My complaint is with the merchant I will file a dispute with the creditor after I get a response from the merchant.
I move out from my apartment, I move to a different state. I terminated my lease. The apartment complex charge me early termination fees and more. The manager of the apartment sent out final bills to the wrong address, I never received a final bill from them or phone call. Years later I check my credit report and I notice a collection company trying to collect in behalf of the apartment complex. I did not denied that account is mine. They are charging me {$6600.00} dollars in termination fees and other fees. However, I have a Lease Contract Addendum that states I will only pay {$2100.00} as a early termination fee. They waived their right to charge anything else. I 've tried for a long time to get this corrected and the collection company will not call me back, i leave voice mails and no reply back. They just reported to the credit reports again XX/XX/XXXX that I still owe {$6600.00} dollars but they wont call me back. They keep damaging my credit and because of them I can not buy a house. I need them removed out of my credit. They do n't want my money then close the account and have them stop reporting negative incorrect information to my reports.
My XXXX XXXX and XXXX XXXX is still reporting data that past I past due on my credit report.The accounts are closed and past the statute of limitation.Information was submitted to XXXX XXXX to remove the information off my rercord.
On XX/XX/XXXX I ordered a {$500.00} XXXX Gift Card from the XXXX website ( order number XXXX ). The total cost of the order was {$500.00}. I never received the card. On XX/XX/XXXX, I called the customer service number ( XXXX XXXX ). to let them know I had not received the card in the mail. The representative verified there was {$500.00} on the card. He also blocked the card so it could not be used. He issued a ticket number - XXXX, and told me I should receive a refund to my credit card within 3-6 business days. 

I called customer service again today, XX/XX/XXXX. The representative told me there was no progress taken on this issue. When I asked if we could do anything to ensure this issue would be processed, she just told me they were backed up and had not gotten to my ticket number yet. I do n't even know that the company intends to do anything with this.
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Hello, I have been dealing with this issue for 2 years.Asking CBNA/XXXX   to please remove their derogatory statement off my credit report.Every letter that I wrote them always came back, that they have investigated my claim and they have followed the law. 

I was a XXXX card holder for over 20 years. Always paid my bill on time and kept a {$0.00} balance.On XX/XX/2015 I did not receive a bill in the mail.Ok no bill so no payment was made. I did not receive a email, letter, phone call, to informing me that I have a late payment. Instead I get a letter from a Collection Agency. This amount was for $ XXXX.I requested a copy of there Policies and procedures Manual on late payments to to if this is their standard practice. All I received was their standard form letter. 
I immediately paid the account balance and fees and closed the account.
We sold our house in the XXXX XXXX last week and moved to a home in XXXX where we want to use the proceeds of the XXXX area mortgage to pay off for a mortgage here in XXXX. The bank involved on the payoff mortgage for our present home mortgage has no offices XXXX area. Because of that they have stated that we must come in person to payoff this mortgage requiring a XXXX mile round trip. We want to pay off the mortgage without making this trip! Is this possible? The bank is Comerica.
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
I made a purchase in XXXX and XXXX of XXXX with My XXXX XXXX XXXX XXXX XXXX. I had been enrolled in auto pay so I thought nothing of this when I did not receive a statement for the purchases. I received a call from a credit agency in XXXX of XXXX linked to XXXX XXXX. I called XXXX XXXX directly and was informed that I had been charged numerous late fees. They are claiming that I was NOT enrolled in auto pay and that I had signed up for e-statements. After settling this matter with them and coming to an agreement on the amount owed and paying the balance owed in full I have come to find out they negatively reported ( account closed for non-payment ) to Equifax and other bureaus. This has dropped my credit score from XXXX to XXXX. Not only that but after settling this with them they sent me a PAPER notification in the mail on XXXX XXXX and XXXX stating they would be taking {$250.00}. 
This is deceptive. They did not send me ANY notice in the mail about needing payment. They did not call me directly when they clearly had my phone number and address on file. They unfairly charged me off and reported me. If they can send a paper notice for a payment they can certainly try to reach me for payment before charging me exorbitant fees and effecting my credit rating. 
Also, after settling this debt with them and my account had a XXXX balance they charged me ANOTHER late fee. When I called back they agreed to return XXXX {$19.00} late fees. They said the only thing they can do is put a credit on the account. THE ACCOUNT THEY CLOSED AND REPORTED NEGATIVELY. How am I supposed to get the money back from a CLOSED account??? 
There practices are abusive toward consumers. They made no effort to contact me before negatively impacting my life. To this date I have never received paper or electronic notification that my account would be closed and negatively reported. I only discovered this after checking my own credit report. Also, none of the customer service representatives that I spoke to mentioned this either.
I have tried numerous times to get my credit file corrected. Equifax is taking less than 2 hours to "  investigate '' the inaccuracies. One example is a Chapter XXXX bankruptcy with inaccurate information within it. I received the result of there " investigation '' 1hour and 30 min after submitting the dispute. Equifax has received many disputes this year from me and has a record. I want a copy of what they sent to the creditor and a copy of the responding parties response.
I have submitted several request to Barclays bank as to whether they are FDIC insured or not and up to what amount. They continue to give me the run around and to send me an invalid link to check to see if they are FDIC insured. I do not understand if they are a full regulated bank whey they do not know themselves if they are insured or not?
I 've had this card for quite some time and until recently hide always received an email notification telling me that my bill was due I could login to my account online and pay my bill and have always paid my bill on time I have perfect credit there is not a late payment anywhere on my credit report abou t two m onths ago for some reason I never received a notification from this Bank I checked my spam folder I thought maybe for some reason they had mailed a bill but they claim they did n't mail anything to me there was no notification at all and they charged me a late fee I told them I received every other email that I 'm supposed to receive this is the o nly one and as k them to check into it now 2 months later this is happened again they 're not sending me notifications and then they 're turning around and charging late fees it 's not my fault they did n't have their it Department fix this 2 months ago whenever I told them about it and now they 're trying to take advantage of their customers