WillisBack/dataset-financial-user-claim huggingface dataset:
I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company Schreiber, Cohen LLC was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, XXXX was included on the bankruptcy petition, and notified. Schreiber Cohen LLC was also notified of this action. The bankruptcy was discharged on XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt  and what do I do? The clerks office told me to contact Schreiber Cohen LLC, XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ Schreiber Cohen LLC. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.
Hi my name is XXXX XXXX. I just open chase credit for one month.they close my account for no reason.now it affect my credit line. My chase account number is XXXX. Thank you XXXX XXXX
Credit Service CO is reporting on my credit and attempting to collect on a debt that is erroneous and past the statute of limitations. 
This debt is from 2011 and I am a XXXX I was in a XXXX XXXX XXXX and had to go to the hospital. So for one this debt was covered under workers comp! For 2 it is past the statute of limitations in UT.

Last, they are in violation of the FCRA for continuing to update the LAST ACTIVE date. The LAST ACTIVE date is when payments are being made. So they continue to update this date monthly which will keep this erroneous debt on my credit report. 
They are obviously in violation and if they do not fix this then the next correspondence will be from my attorney. I XXXX XXXX for a living and these guys harass me for years on a debt that was paid and is old. Someone needs to do something about this.
I 've tried to get this account remove from my credit report on numerous occasions. I do not owe XXXX XXXX XXXX any money and this account need to be remove from my credit file. I have asked this credit reporting company to investigate this account and have it removed because they are allowing XXXX XXXX XXXX report inaccurate information. XXXX XXXX XXXX is trying to make money off of me for no reason and I owe them nothing they are a debt buying company and I 've asked for proof showing I owe this debt and also a debt validation/debt verification and also a copy of a lease showing I owe {$780.00} in which I owe {$0.00}. Please have this company remove this account from my credit file asap. This XXXX XXXX XXXX account is listed as a collection account with Experian please remove from my credit file.
i just retired from the XXXX how can i have a medical bill of any kind when XXXX pays XXXX % for me and the family XXXX. my insurance is still XXXX and the VA. Could some one please explain, this does not belong to me. Thank you for all your help.
Please take notice that SOUTHWEST CREDIT SYSTEMS, LP has failed to provide verification of the debt with regard to the above referenced account. Therefore, this debt must be deleted from my credit file within 30 days. 

You reported this account to the consumer reporting agencies on or about XXXX XXXX, XXXX, three days before you notified me of a debt, and you also notated that the debt was disputed with the consumer reporting agencies. You initially contacted me by letter on XXXX XXXX, XXXX notifying me of a XXXX XXXX account placed for collections. I responded to your notice requesting verification of such debt on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I requested you to close the account and cause such delinquent account to be removed from my credit file. I have received no verification of the alleged debt, and no response to my request to close the account. 

Pursuant to 15 U.S.C. Section 1692g ( b ), you are required to notify me of the name and address of the original creditor. You have failed to provide such information. In addition, you have failed to provide verification of the debt under 15 U.S.C. 1692g ( a ) ( 4 ). Because the entire debt was disputed, you have a duty under 15 U.S.C. Section 1681s-2 ( 8 ) ( E ) ( i ) to conduct an investigation with respect to the disputed information. You have failed to investigate this disputed information and provide verification thereof. Therefore, you are in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and all other applicable state law. A complaint may be filed with the Federal Trade Commission and the Washington State Attorney General, and may take legal action. 

This account must be deleted from my credit file, and this account must be closed by your office from further collection attempts within 30 days.
I had an agreement to pay on medical bill monthly. After sending in payment for XXXX it was turned over to a collection agency. This however, may not have happened if I had not gone to the billing office to dispute a charge. On several occasions when I pay my co-pay at the doctors office I am later billed for it. I tell them I have my receipt, they tell me its for Lab work, they send it to collection. Collection called to tell me its for Lab work, I go to Billing Office, show my receipt for office visit paid, they tell me its for Lab work, I paid the amount they ask for to get it out of collections. I called Insurance Company, they tell me I do not pay for Lab work if it is done during my visit. The Insurance Company calls the Billing Office, told them I was not responsible for the bill. The Billing Office was to call Insurance Company and Physicians Office to confirm charges, however they did not call the Insurance Office, Physicians Office or me. They will not accept calls from anyone concerning this bill. I do not dispute owing the medical bill, I do dispute the amount because they have accepted XXXX payments since turning it over to collections. I believe that a company should honor their agreement when given. I do not want to lose the physician I have now, but if I have to change I will go back to the old clinic ( never had a problem with billing ). I am not the only one that has had this problem, the ones I have spoken with are afraid of losing their physician. This company is to large to resort to these tactics. I have paid my bill down from around {$3400.00} to XXXX, why send it to collection now? I did not receive a statement this month, but I sent the payment I agreed to pay. The statements you receive are very confusing, its as if they do n't want you to know what you owe or what you have paid.
I was contacted by XXXX XXXX at United Consumers Incorporated ( ucicollects.com ) in XXXX 2015 about a purported debt of {$130.00} that I had with a medical provider. As I explained to XXXX, that matter was bogus as the provider had erred on a previous procedure and asked me back for a redo, explicitly stating that there would be no charge for that redo. After speaking with XXXX, within days, I finally succeeded in getting that bogus charge removed. I e-mailed the company with my account reference number at XXXXXXXXXXXX about this being resolved, and never heard back from UCI ... for a while. 

Incidentally, in XXXX 2015 I received an invoice from that provider showing that I owed nothing. 

On XXXX XXXX, 2015, I received another phone call from XXXX about this purported debt, and he indicated no awareness that we had discussed this a few months earlier. ( At that time, I was n't sure if he was the person whom I 'd spoken to in XXXX. He said nothing when I told him that I 'd spoken with someone and did n't know if it was him or not. ) He asked me if I wanted to pay it through him right then and there -- trying to receive money from me over the phone which I did not owe. He gave me the same UCI account reference number that he 'd given me in XXXX. 

While I do n't blame UCI for trying to collect money from me in XXXX for a debt that they were told I owed, it is inexcusable that they would call me months later to receive payment for a " debt '' that even the provider had long acknowledged I did n't owe. Moreover, doing so -- telling me that I owed money which I did not -- was IN VIOLATION of 28-3814 ( f ) ( 5 ) of XXXX Code. 

Apart from the annoyance of harassment, my bigger concern has been a collections agency affecting my credit rating. 

I e-mailed XXXX and the company about this on XXXX XXXX, 2015, including a scan of the provider 's original assertion that I would not be charged for that procedure and also a scan of the XXXX invoice showing that that provider was requesting not one penny from me ( he had cited the same figure of {$130.00} that he had cited in XXXX, so it obviously was now resolved though he incompetently did n't confirm this before harassing me over the phone while I was at work ). 

On XXXX XXXX, I e-mailed the company at the XXXXXXXXXXXX address with my account reference number. I also called their phone number and left a message to alert them to all of this. I followed-up with another e-mail on XXXX XXXX, noting that I had already begun investigating legal action and became aware of that section of the XXXX code that they had unquestionably violated in harassing me by asserting that I owed money which I did not owe. 

On XXXX XXXX, I still had not heard from them with any assurance that they wold back off and that my credit rating would not be affected by any of this. 

Today is XXXX XXXX and I still have heard nothing. It has been three weeks since I last received communication from the company, when they insisted that I owed money and tried to have me pay it to them when I in fact owed nothing to that provider and had n't for months.
paid all the arrearage amounts on my loans and little to nothing was removed from the principal balance. it appears that they have been automatically recapitalizing late payments to the principal balance. whenever I make payments nothing ever comes off the principal balance of my loans. I recently paid almost {$4000.00} of payments and less than {$100.00} came off the principal amount. The loans were being amortized down faster before I consolidated them with myfedloan.
XXXX a magazine company is stating I owe XXXX dollars and I do not. They have contacted me on my cell phone very rude and threatening and called me at work today XX/XX/2018 a man this time very demeaning and belittling and threatening. They also called my XXXX XXXX XXXX mother today XX/XX/2018 who just got out of the hospital said they were going to freeze her XXXX and they had a warrant for my arrest. My mother was beyond upset and can not afford to get upset in her state of health. They said they would call my work and get me fired. The scared me and intimidated me and my elderly mother! The first woman that called was XXXX at XXXX Ext XXXX. The man that called today I didn't remember his name asked for him to repeat it and he would not and he would not give his phone number. He said they were freezing all my bank accounts pay check etc all income. This is so wrong and abusive especially and elderly XXXX woman fresh out of the hospital. Please help me make this stop. I bought nothing from them. There address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
I have had an account with XXXX XXXX for about 11 years and on XX/XX/18 they sent me a text saying that my account was closed due to a second account holder being deceased. I was not aware of there being a second account holder on my account. I am now trying to get access to my funds and they have given me the run around in regards to receiving the money that was in the account that was closed by them. I have over {$2000.00} in the account and am now put in a financial hardship due to not being able to receive my funds. On XX/XX/18 and XX/XX/18 i went the an XXXX XXXX XXXX store to see I could have my funds transferred per their suggestion, by opening a new account. I was unable to open a new account because I was flagged in their system because of the closed account. On XX/XX/18 I attempted to try to open a new account again per XXXX XXXX 's customer service suggestion and was again not able to open account. On/XX/XX/18 they said that they would send the remaining balance by check through the mail in 7-10 business days and they had also said the same thing on XX/XX/18. I am being told different things every time I call XXXX XXXX and given the run around and shuffled through various departments with no answer. I would like to receive my money as soon as possible, because it is mine. I have a little over {$2300.00} in the account, as I am unsure the exact amount because I no longer have access to the account online. They also promised that they would send any account statements and account transactions to my email on XX/XX/18 since I no longer have access to this information.
We ( my late husband & I ) owned property which was in his & his brothers name. Financed thru BofA, sold to Green Tree and now DiTech. After my husbands death I ended up owning the property XXXX %. It is rental property and I make all of the payments, etc. Yes, I have been late on several payments but always catch them up and pay any late charge associated with them. I just received a call from DiTech saying that they received my XX/XX/XXXX payment, but would not be applying it to the loan, as it was not the total amount due. I asked what the extra amount was for, please break it down for me and she said she could only give me limited amount of information on the account and she would not be applying my payment. My husband has been deceased for 7 years and I have always spoken with this and previous companies regarding the loan and payments. They have had my brother-in-laws permission to speak to me regarding anything to do with this loan for many years. Even though I always pay any late fees, if I am not mistaken, the original loan papers say any outstanding late fees, etc. will be added to the end of the payment schedule/final payment. How can a financial institution treat and threaten paying customers in this manner? Is this legal?
I have 4 duplicate XXXX XXXX XXXX tradelines on my credit report for the same two loans. I disputed these items with Transunion through the CFPB on XX/XX/XXXX after speaking with XXXX XXXX XXXX and receiving reassurance that they processed my documents and submitted everything to the XXXX XXXX XXXX. I completed the Loan Rehabilitation through XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Account # XXXX ) on XX/XX/XXXX, and my loan has been sold to XXXX XXXX ( XXXX XXXX ID : XXXX ). Part of the agreement with the Loan Rehabilitation is that the defaulted and duplicate accounts would be removed after I completed the program and the loans are consolidated and sold to a new servicer. I was promised that the accounts would be removed within 30-60 days of completion, it is now XX/XX/XXXX and the accounts still appear on my report. I will attach the documentation pertaining to both the removal agreement and the new loan servicer agreement. The rehabilitation document subsection pertaining to the removal of the defaulted loans is section 10. I would also like to mention the fact that during this entire process, since XX/XX/XXXX, I have been a XXXX XXXX and should have been able to defer my loans, but every deferment was revoked after 30 days or simply denied. This has been a nightmare, but I have followed the rules despite being mistreated by an institution that was supposedly created to support and empower citizens.
I have disputed this problem several times with Capital One Bank and the three credit bureaus over the past year with no results. I had two credit cards with Capital One that I let get behind, but when my finances got better a few months later I called Capital One and paid my debt in full. They had closed the accounts and reported charge offs to all three credit bureaus. All I asking since I did honor my debt with Capital One that they remove the charge offs on my credit reports since the account is now closed. And during the same time I had a credit card account with XXXX XXXX, I also honored my debt with them paid in full. They have an internal collection agency, XXXX XXXX  XXXX, I reached out several times to both companies and they tell me they no longer have my account, so neither company can remove the charge off from my credit report.
I paid my XXXX bill in full in the amount of {$94.00}. XXXX XXXX ( Comenity ) payment was mailed with proper time to get to creditor. But they posted it one day after due date and charged me a late fee of XXXX and interest XXXX. I called the company and said this is bogus charges I will not pay, they said they would credit XXXX only to the account. At which time I said then I am closing this account. The balance owed was XXXX which I sent a letter in writing to close this account on XXXX XXXX with the cut up credit card and a check for {$14.00} check # XXXX to close this account and put it in writing. Then I received XXXX bill on XXXX XXXX and they had charged me another XXXX in late fees bringing my total to {$41.00}. I called again and said close this account I put it in writing 27 days ago, and they said well we never received it. Then on XXXX XXXX I received a letter responding to my request saying we cant close your account because this is not the correct balance. Over 30 days for them to respond to my letter is negligence and fraud on their part and a way to charge me another XXXX dollars. I feel they owe me the {$41.00} that I had to pay to close this account and the duress it put me under that they just kept charging late fee when account had been asked to be closed in XXXX. It is not a large amount but this is a matter of principle and fraud for charging fees that were not warranted.
Back in XXXX 2016, the American Express Platinum was offered a promotion of XXXX reward points with {$3000.00} spend in the first 3 months for an upfront charge on the annual fee of {$450.00}. I took the offer and earned the points that was deposited on XXXX 2016 on platinum account ending XXXX. On XXXX XXXX, 2016 the XXXX reward points was rescinded, it clawed back without any reason. As a consumer after paying the hefty fee of {$450.00} and legitimately met the minimum spending of {$3000.00} from the mall and car rental, with the points being clawed back with no explanation nor anything was proved that I was n't eligible/qualify especially after 3 months now the annual fee would be refunded this case is clearly a consumer fraud and dishonoring of their promotional offer. 

In resolute of this case I would like Amex to re-deposit the XXXX back to my platinum account ending XXXX and an formal apology with letter of explantation. 

I have contacted Amex reward team and spoken to XXXX on this case, her ID is XXXX with no avail.
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
I took out a credit line mortgage in  XX/XX/XXXX with Citibank. Citibank issued a satisfaction of mortgage that was filed releasing the mortgage but does not understand that I am unable to complete the short sale of my property unless they release the judgment lien they filed against the property in  XXXX . I have an approval to close on my sale. However, the Title company advises I must have a release of the mortgage and judgement lien. The judgment lien is for the credit line mortgage which Citibank issued the satisfaction for. I have tried to explain this to the customer service dept, but no one understands and keep sending me the same document.  <P/> I have attached a copy of the original credit line documents and the judgment filed with the court. I simply need a release of the judgment lien which releases the same credit line mortgage, I was issued a satisfaction of mortgage for. Please see attached.  <P/> Time is of the essence on this matter. Please help me.
I borrowed from then XXXX, now Navient, a total of about {$8000.00} in XXXX separate loans. This is on top of my federal loans that I currently had to put in to forbearance. The loans were all to cover on-campus housing expenses, transportation costs, and supplies for school. At the time, I had no other options and was forced to have my father co-sign on all XXXX loans. I do not feel I was properly prepared to take these loans out and did not anticipate how aggressive the repayment terms would be. I am now almost XXXX payments behind and have done voluntarily forbearance twice, with a significant fee, to prevent default. Navient frequently harasses both me and my father XXXX the co-signer XXXX numerous times during the day and even late at night. I currently work as a paramedic and my father as an elementary school principal. I have attempted to express what I can afford per month, which is less than what Navient wants. I have given them a complete financial review of all my expenses and they still claim that I have enough to afford my monthly payments. I have been berated and made to feel bad about borrowing the money, even times when the representative will say " It 's only {$8000.00}, why ca n't you pay this back? ". My credit has suffered due to my accounts with Navient. I am unable to refinance and can not seem to qualify for any consolidation programs. I feel like I am running out of options and Navient continues to bully both me and my co-signer. 

I obtained these loans while attending the University XXXX XXXX Florida between XX/XX/XXXX and XX/XX/XXXX. 

Thank you.