WillisBack/dataset-financial-user-claim huggingface dataset:
I was hurt on the job. I was covered by workmans comp. I Supplied all required and requested information to hospital administration. I completed and turned in every form to my employer in a very timely manner. A few days later, I began getting phone calls about the hospital not receiving payment. I told my employer that there was an issue with the hospital getting payment because the insurance company did not have all of the required paperwork. My employer kept saying it 's all been taken care of, the company and the hospital will get it worked out. I stated my case to anyone that had any involvement in the process. Just hoping I would be released from the responsibility of asking adults who are professionals in the customer service industry to communicate effectively and identify issues that have very simple solutions. It quickly became clear that complete incompetence, or at-the-very-least fraudulent negligence by my employer and his insurance company. I quit my job and never again was able to have any conversation with my ex-employer. I ca n't even get info on which WorkComp Co. the policy was with.
i was sold from XXXX to carrington mortgage in XX/XX/XXXX. i have yet to get a statement from carrington, I ave been calling since XX/XX/XXXX or XX/XX/2016, I have been promised each time this would happen, all i got was a letter about my escrow that did n't make sense. I have made two payments now and they did not apply my payment as requested.some goes into pad my escow. today i called to find they are mailing me a XXXX check out of my escrow which will not make me short for my house insurance in XX/XX/XXXX. They are incompetent. they do this so they can increase you house payments. I googled this mortgage company and could not believe the complaints of how badly they handle concerns. I have called at least 10 times with no results even XXXX 's escalation dept called them and they never called her back. i want a new mortgage company with competent people. i want a monthly statement showing me what i paid and how it is applied. i want to be able to designate how my extra is applied to my escrow. i do not want higher house payments and they is what they are trying to do, and all the complaints i found stated.
For a {$27000.00} loan taken out from Sallie Mae in XX/XX/2004, I was charged $ 11,000+ dollars in disbursement, repayment and capitalized interest fees. The possibility of such exorbitant fees was not made clear to me at the time of the loan. I do not feel this type of loan practice is fair and would like to know what my options are.
I applied for a mortgage and was told Experian reports XXXX judgements : 1. XXXX County. XXXX {$15000.00}. XXXX XXXX XXXX XXXX. XX/XX/XXXX 2. XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX . XX/XX/XXXX I have never resided in XXXX County and have never heard of XXXX XXXX XXXX XXXX. These do not belong to me and because of the mistake I am denied a mortgage!
CAINE & WEINER ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CAINE & WEINER or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAINE & WEINER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
This is the second time I have filed a complaint against Medical Data Systems , Inc. You are failing to respond to my complaint in a timely matter. Medical Data Systems , Inc. is reporting negative information on my credit report that is incorrect. I was billed for a service from XXXX XXXX XXXX XXXX XXXX. I provided XXXX XXXX XXXX XXXX XXXX numerous times with my insurance information. I have talked to my insurance company and they have confirmed that the claim should have been filed with them. The claim was never filed. Every claim that has been submitted has been approved.I have confirmed this both with XXXX XXXX XXXX XXXX XXXX New Mexico as well as with New Mexico Medicaid. They have not received any claims from XXXX XXXX XXXX XXXX XXXX for this bill. XXXX XXXX XXXX XXXX XXXX did not do there job correctly by not knowing how to bill insurance companies correctly. Now my credit is suffering because of someone not being able to do there job right. I am demanding that the debt be erased or charged/claimed to the insurance company. Also this was before I was married, my maiden name is XXXX XXXX.
I was dealing with Pacific Union ( my current lender ) on a refinance, but the original lender who did loan to help me buy the home offered a better deal so I decided to go with them for my refinance. The only caveat was that Pacific Union was offering {$0.00} to close because they were netting my escrow balance toward my payoff amount. When we tried to get a copy of the netted payoff for my other lender to use, I was told by multiple employees on multiple calls that they were sending it but it never came. Finally I got a manager on and they said they never send these and absolutely refused to cooperate. The escrow funds are XXXX % my money, not theirs and they have no right to discriminate in using it to reduce their internal payoff ONLY if they are doing the loan. I need you to please contact them and push them to send the net funded payoff to my fax at XXXX to help me get my transaction closed ASAP. They are putting me in a position where I am risking getting a 30 day late. Thank you for your help.
I filed a bankruptcy request in XX/XX/2009. I decided to withdraw the bankruptcy and paid all creditors in full. The records show the bankruptcy request was dismissed XX/XX/2009, which was immediately after filing. 
Both XXXX and XXXX deleted this derogatory info upon request. 
Equifax treats it like a regular bankruptcy and will not delete it. This greatly affects my credit capabilities. I have a stellar payment and credit rating otherwise. 
I have had a statement attached to this negative report, and the person who input it misspelled several words which make me look even worse. 
There is no purpose served by not removing this filing. It was filed prematurely and immediately withdrawn without any adjudication. I need this entry deleted as the other bureaus have done. 
I am a XXXX veteran and I need my clean credit rating. 
This is the only negative on any of the credit bureaus. 
Please help me! 
Thank you.
I really do not know what I'm paying on. What is this loan from? I've been paying on this for about 10 years and the balance does not decrease. Where is the money going? What is this? This needs to be settled for a lower amount because it will never be paid in full. Is there a way to settle this account for 60 % a lower amount.
I received XXXX different checks and while waiting to see if they would clear they put a stop payment on it. It made my account go way negative and what do you know, wells Fargo made it to where you could only send direct deposit. They took my XXXX check and I have had to go without for a whole month. You figured that they knew what happened and closed the account for me, that they would 've abided by the law and not take my whole payment. I have this in progress as a nasty complaint.
I signed up for XXXX credit in-store, made purchases but was never sent a bill. I sent written correspondence to Citi including a copy of the day pass through trackable priority mail to obtain a bill and request I be contacted through US mail. 
When I received my first bill it had an additional {$210.00} in fees and interest. No acknowledgement of my correspondence. 
I called Citi on XX/XX/XXXX and was told by agent XXXX that I could pay the amount of original purchase, {$210.00}, and another department would investigate the issue and get back to me but it could take some time. I trusted this agent and paid this amount while on the phone. 
On XX/XX/XXXX I received my second bill with a due date of XX/XX/XXXX ; again, no communication about my issue and this bill including additional fees and interest, and it was late on arrival.

Citi has ignored my correspondence, purposefully did not reply via US mail as requested and knowingly told a falsehood on the one phone call to intensify their late fee amounts. All verifiable. Citi has still not sent the physical card.

Citi has damaged my credit. 
I sent a {$270.00} check to settle this account including any new fabricated charges, fees or interest has been sent to XXXX in XXXX KY lockbox/processing center with proper form and a copy of this letter. This created a credit balance of about {$11.00}, although the last bill they sent does not include this payment. 
Through certified mail I directed Citi to immediately close all accounts related to me, XXXX XXXX They refuse close my accounts, and insist if I do not call them I will incur an additional {$250.00} fee.
Opened AmEx Delta card in XXXX 2017, complied with the requirements to have XXXX bonus miles. Never got the bonus miles. Speaking with them for 9 months now, " glitch on our end, we are working on a fix, will be fixed SOON, give it another 4 weeks, etc ... '' getting a runaround ... Can't talk to the team working on the case.
When checking my credit score it shows my amount increased by {$1300.00}. I contacted Navient to explain to what this increase is for. It seems everytime I am close to paying off my loan they add more to my loan. They can not explain to me what this amount is. Should I not have the right to know what the complete total is. That said is is money I owe to the school but that school is closed, so how do I still owe them money. Sounds very questionable and no one can give me a answer.
Continued calls from this company to me for a debt that does not belong to me. They continue to contact other people in the company I work for causing damage to my reputation and causing personal embarrassment. They have been told numerous times I am not responsible for this debt and the person they are looking for is not employed by the company I work for.
XXXX XXXX is reporting that I was late 120 day I was in deferment i should not be reported as late
Numbers from XXXX and XXXX continue to call people around me, but not me directly, stating legal action and that I would be arrested if I did not call them. They continue to call my ex girl friends father on a repeated basis as well as my sister mother in law in which they call her by he maiden name.
I believe that Navient has not been applying my monthly payments accurately. I have been paying 180 a month for ten years. I have paid out as much as the initial loan, yet my loan balance has barely moved in those ten years. Navient is not applying my payments correctly and in  essence has been stealing, I feel, from me for years.
Hello I call Transunion to complain about the fraud inquires thats was place on my report and they was not trying to help so can you please ask them to provide supporting sign documents with my consent if not place have them to remove all inquires listed below XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018
WHY MY PAYMENTS FOR XXXX ARE NOT BEING REPORTED CALL XXXX TO MAKE A COMPLIANT AND THEY STILL ARE NOT REPORTING WHEN I PAY
Ive attempted to file a dispute with Experian numerous times via their website and have been unable to, they request information sent via mail, this information was already provided to prove identity. I submitted social security number, address, DOB, etc. Still, they request information be sent, which makes no sense as I am able to view my credit report but not make any disputes. I pay a monthly membership fee and should be able to file online disputes as part of paid membership. Their rep stated other people are having the same problem, it appears to be a technical issue on their side. Whatever the case may be, I pay a monthly membership and should be able to file disputes online as I am able to view my credit report. Do not mark this as duplicate as additional information has been provided here.
BMO Harris Bank keeps charging me excessive overdraft fees and not even covering my overdraft although I signed up for overdraft protection they have never covered any overdraft but continue to fee me excessive fees for a {$2.00} charge in the negative at XXXX  XXXX XXXX they charged me {$36.00} I'm currently in a economic hardship and they refuse to reimburse me the excessive fees! Also they state they sending back my auto withdrawal from XXXX XXXX XXXX and charge me more and more although I opted into overdraft protection this bank is frivolous in that they excessively charge and fee u to much!
Message to TD Bank Customer ServiceMessage : Date XX/XX/2015XXXXSubject OtherMessage Account : TD CONVENIENCE CHECKING XXXXAmount : XXXXMessage : Opened my account on XXXX XXXX, 2015 @ XXXX, at XXXX XXXX XXXX, XXXX MD XXXX , at which time I set up, or was instructed during account setup my account would do an automatic transfer prior to any fees. That did not occur. In fact, XXXX of fees were charged to my account in which it seems a FRAUDULENT and/or SCAM-LIKE manner ... or that is how this assessment of fees due to a obvious bank error, including charging a fees assessed for transferring available funds to my savings account. I am very disappointed and feeling very SCAMMED. The customer service representative XXXX, was HORRIBLE! A very disappointing and offensive conversation. This experience is converting into a nightmare, when I have referred XXXX ( XXXX ) people. I am very discouraged. I respectfully request an immediate reimbursement of my XXXX to my account, and correction to ensure this does not occur again. I would like to not have to make this issue become a issue requiring mediation of a third party. I would appreciate assistance in resolution, immediately.
First National Collection Bureau , Inc. sent me a letter ( along with a payment book ) indicating that I owe over {$5000.00} to a company I never incurred debt from. On this letter, they indicated that this " debt '' was from 2007. After further research, it was determined that this company has been practicing in false/scam situations similar to this one for years. I ran my credit report ( as a safety precaution ), and saw that this debt is not and never was on my credit report. Upon further research, I saw that this company has MANY class action lawsuits pending against them.
XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on XXXX Transunion and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.
An account is listed under Portfolio Recovery. I have attempted to dispute this debt, and no steps were taken on their end.
Target XXXX XXXX XXXX XXXX, XXXX. XXXX Attn. : Collections Correspondence Dear Sir or Madam : While visiting our daughter in XXXX in XXXX XXXX, my wife XXXX and I shopped once in a Target store and were delighted to be asked to open an account ( which we thought was a discount card ). While there are no Target stores here in XXXX, we do travel on business and felt having a Target card would be useful. We expected to receive a Target card in the mail but one never arrived, hence we did not activate it. Nor did we receive any invoices for the single small purchase we incurred until XXXX XXXX, XXXX. We were horrified to discover that our small purchase had ballooned into a {$130.00} bill with four months of late fees! 

On XXXX XXXX, I contacted Target representative XXXX XXXX at XXXX. I explained that we had never received the Target credit card, and she confirmed that a card in XXXX 's name had never been activated. I also explained that the first card statement we had EVER received was for a closing date of XXXX XXXX, XXXX. I told her that I was more than willing to pay for the costs of goods we purchased but I explained that we had had no knowledge that the account was in arrears and requested that Target drop the exorbitant penalty fees. She said that she was more than willing to drop the accrued interest but she refused to eliminate the penalty fees. 

I then requested that I contact a supervisor. At XXXX on XXXX XXXX, a supervisor named XXXX called me back. I again explained that we were more than willing to pay for what we purchased, but had no written knowledge of ANY indebtedness, and especially the the past due debt until XXXX XXXX, XXXX. XXXX refused to eliminate the penalty fees, and suggested I write to you. 

We have searched our small rental condo repeatedly and have found no correspondence with Target since the initial purchase until the XXXX XXXX, XXXX letter with the XXXX XXXX, XXXX invoice. There is no Target credit card either. We can not explain how XXXX letters from you and the original cred card have gone missing, but can confirm that relatively frequently other mail we expected was never received at our mail stop. 

The simple fact is that we are willing to pay the initial amount we charged, but the amount we initially charged has ballooned to four times the original amount in 5 months. We know this new charge is both grossly unfair and illegal under XXXX law as well. Hopefully your office can rectify this matter amicably, as we know that Target has a reputation for high customer satisfaction. If not rectified, my wife XXXX is a XXXX and will be taking this matter up with the XXXX State 's Attorney general 's office. 

We sincerely hope that you will roll back the clock so that we may pay the original purchase price and move forward with a positive relationship with Target, but are prepared to contact the State 's Attorney General if you chose not to eliminate the late charges. We believe you have violate XXXX consumer protection provisions in your collections and are prepared to move on that front if this issue is not settled as we have suggested. 

Sincerely,
This Creditor is : Ad Astra Recovery Services, Creditor is : XXXX XXXX XXXX XXXX NM, in the amount of {$760.00} Account Number : XXXXX This account was already disputed by me and all the three major credit bureaus. " It was, " Investigated, Removed and Deleted. '' from all of my Credit Reports after I proved it was a, " Fraudulent Account and not mine! '' I was hit very hard back in the Year 2015 by up to 15 ILLEGAL CREDITORS, in which someone used all of my personal information to obtain credit and have access to cash as well. 
However, for some odd reason, it was once again placed on both my XXXX and XXXX Credit Reports! I do not know if it was placed on my XXXX Credit Report as I do not have access to it, however, this Creditor should not even exist as I mentioned all the credit bureaus did their investigation and found that is as indeed a, " Fraudulent Account! '' and had it removed! I do not understand why this is happening but it not right and I think it is quite illegal as this creditor is violating my rights under the Federal Trade Commission Laws! I have spent over two years now working on all the, " Illegal Frauds '' that were committed in my name and I when I finally managed to clear them up, " I then get hit again with this Creditor who was already removed and deleted. I also submitted to this company all the legal documents they requested and still they are allowed back! Something is not right with what is going on as I should not have to continue disputing Creditors that have already be en removed! I need this Creditor to remove themselves from my credit reports as what they are doing is, quite illegal!
ILLEGAL FORECLOSURE AGAINST OUR HOME ... AUCTION SALE XXXX XXXX, 2016. PLEASE HELP! 
NATIONSTAR MORTGAGE LLC- THE SERVICER TURNED " LENDER-ASSIGNEE-MORTGAGEE '' WITH NO MATERIAL PROOF ... ALLEGED LOAN ACCOUNT RECENTLY DISCOVERED TO BE LEGALLY NON-EXISTENT ( DELETED BY XXXX BUREAU FROM XXXX XXXX CREDIT REPORT IN XXXX 2016 ) ... FAILED DEBT VALIDATION REQUIREMENTS -- WITH MULTIPLE VERSIONS OF THE AMOUNT OF DEBT, AND THE IDENTITY OF THE HOLDER OF THE BENEFICIAL INTEREST ... .SUBJECT TO COLLATERAL ESTOPPEL AND WAS ISSUED A CEASE AND DESIST PENDING DISPUTE OF ALLEGED DEBT ... .YET, BLATANTLY IGNORES EVERY FEDERAL AND STATE STATUTE ... '' AND MAKES CLAIM THAT ITS COLLECTION EFFORTS ARE OUTSIDE OF DEBT COLLECTION given it is foreclosure-related.. '' RECORDS THE UNLAWFUL NOTICE OF DEFAULT THAT IS BEHIND THE FORECLOSURE AUCTION SALE OF OUR HOME ON XXXX XXXX, 2016 ... WITHOUT AN IOTA OF MATERIAL PROOF TO THE RECORDED FORECLOSURE INSTRUMENTS PURSUANT TO CA CIVIL CODE 2924.17. 
PLEASE FIND ATTACHED. ( The additional exhibits are being sent via fax. ) THANK YOU FOR YOUR URGENT INVESTIGATION AND ENFORCEMENT ACTION!
A False claim of collections has been on my financial records for over two years. 

A false claim was reported to the Simmons Collection Agency. 

The Buisness ( a dance studio ) falsified records stating that I paid tuition for my XXXX children to take " recreational dance ''. This is not true. My Children were selected and I enrolled them, and paid for in full at the beginning of the year for the required classes for Competative Dance. 

I alerted them ( The Simmons Agency ) that the collection was false MANY TIMES. 

We hired a lawyer to communicate to the Collections Agency and the buisness it represents the Debt and impending Collections was fraudulent. 

I have calledSimons Agency many times. It has been almost 3 years of communication! 

Today I sent in even more supporting documentation asking them to take it off my credit report immediately. 

The Dance Studio that has made this Collection has falsified records and is being vindictive because they did not want to refund funds that they owe me including tuition, competition fees and costume fees. This is a false claim on my fanancial record!. It is on my credit report and is causing continual financial harm. We did not " drop '' dance classes as states in the contract. The girls were kicked off the Team in the middle of the Competition Season, after we paid for all fees, costumes and tuitions, in full, upfront.