WillisBack/dataset-financial-user-claim huggingface dataset:
I was hospitalized for a life threatening condition. When I checked into the hospital I provided my VA information and VA card. 

When I checked out 8 days later I again provided my VA card and information. All bills were to be submitted to the VA within 90 days of discharge. XXXX XXXX XXXX failed to do so and instead waited until late XXXX to submit the bill to the VA. As the VA Voucher was closed after 90 days the VA rejected the bill and informed me that, due to XXXX failure to exercise due diligence in their billing practice neither the VA nor I were liable for the bill. I am a XXXX vet ( service connected ) and live on my Social Security. I have no means to pay a bill that should have been submitted properly to receive payment from the VA.
On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from EXPERIAN XXXX, XXXX and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till 202. All 3 credit bureau EXPERIAN, XXXX, XXXX  are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).
I first found this bill listed on my credit in XX/XX/XXXX by the company XXXX. I mailed a request for debt validation the same month, which was returned to me because the company refused delivery. I mailed another request for validation in XX/XX/XXXX and received a letter from XXXX with an attached final bill from XXXX from the months of XX/XX/XXXX through XX/XX/XXXX. I contacted XXXX in XX/XX/XXXX and filed a fraud complaint because I had no knowledge that the account was opened in my name and was XXXX from XX/XX/XXXX through XX/XX/XXXX. I received no response from XXXX, however the debt was removed from my credit report from all three major reporting agencies shortly after. 

On XX/XX/XXXX the same debt reappeared on my TransUnion report, but the company reporting it is XXXX. I sent a request for validation in XX/XX/XXXX and received the same invoice that XXXX sent. I made a complaint to CFBP last week that XXXX failed to validate the debt with any contract that included my signature or any other information that I requested. XXXX responded to the complaint with the same letter that was mailed to me that included the same invoice.
I had a debt from XXXX XXXX Bank and XXXX credit purchased it as a collection account. I was taken to the local XXXX by XXXX, and he ruled in their favor, but not for the {$1500.00} that they stated that i owe. I only owe just over {$1100.00}, the amount the XXXX granted them. I sent the dispute to Transunion to correct, with all the proof necessary to correct it, and I recieved paperwork back saying it would n't be removed until 2021. I need your help in getting this removed as being incorrect. I will send any necessary paperwork you need.
I was banking with wellsfargo for years. I would withdraw money from my account because I thought I had money there and if I did n't they were still giving me the money and charging me outrageous fee 's. I had online banking but i did n't always check the account because i have been XXXX in and out of the hospital.
On XX/XX/2017 I took an {$800.00} loan out from XXXX XXXX XXXX XXXX. The percentage rate they charged was XXXX % for the 1st loan and XXXX % for the 2nd loan On XX/XX/2017 I took a {$1500.00} loan out from the same company. 

Ultimately the {$800.00} loan cost me {$1800.00} and the {$1500.00} loan cost me {$8100.00}. 

After doing some investigation, I discovered that payday were were illegal in the state of CT and loans were capped at 12 %. In addition, lawmakers were going after the tribal loan company for their practices. 

XXXX XXXX XXXX XXXX is not registered in CT.
A review of my credit report has identified a public record dated XXXX/XXXX/XXXX. This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. It is due to be deleted in XXXX.
My husband and I had separate checking and savings accounts with Navy Federal Credit Union. We also had one checking account together. My own separate checking account had fraudulent activity in the amount of over probably {$20000.00}. Navy Federal CU was great handling the fraud claim except for not receiving claim status details in the mail. They stated when asked that I could see any activity that was taken by them by simply looking at my online account. Customer service stated I could see the Provisional Credits by seeing the adjustments, etc. The fraudulent activity was verified to be true & correct. What happened was I was over paid in the amount of {$7900.00} they said because Visa verified or approved that is was valid claim. So all of a sudden on XX/XX/2015 my account showed a negative balance of that same dollar amount. I called them and they stated they send a regular letter by mail stating this would happen within the next two two weeks before the XX/XX/2015 I never received the piece of mail and stated that something that big and important be sent certified since it was going to have a huge bearing on my families lives. Anyway I said I understood the overpayment. Then to my surprise they confiscated all money that was both of my husbands and my account. They took ALL of his direct paycheck that was on an automatic deposit through the XXXX of the XXXX where my husband has worked for about 26 years. So they continue to take all of our money until the balance was paid in the amount of the {$7900.00}. I called them to say that I was sick and we only had one income coming in and it was my husbands. I told them how could they leave us without any money for food, groceries or anything. I told them numerous times that my husband and I were willing to work out a payment plan where they could deduct a certain agreed upon amount out of his paycheck until the debt was paid. I could not understand how that this was legal. It finally got to the point where my husband that to stop his direct deposits so that we could have money to pay our bills like the house payment, groceries, gas, utilities etc. They were so rude about this. I complained to a manager and they stated if there was something they could do that they would be in contact. They never did contact us. They also shut off my debit cards and closed our savings accounts without any warning. If this was legal what they did how come they handled this so poorly. I would n't this stress on any military family or anyone for that matter. Can you let me know if there practices where legal or not? We also incurred tons of overdraft fees because payments were denied.
QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. Seterus failed to placed the {$51000.00} in the class XXXX claims and by not doing so was discharged at the confirmation of the plan. Seterus failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. Seterus did adjust the loan on XX/XX/XXXX only after Seterus had violated the bankruptcy code and FDCPA. Seterus during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. Serterus in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class XXXX ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. Seterus did not let this happen paid them off and then demanded the amount in full.
Never had payday loans, never any mortgage but XXXX and XXXX 10yrs plus, one credit card in ten yrs XXXX  XXXX, one student loan 2016. This is all I 've had in ten yrs. 
Also I was denied for drugs alcohol n theft from work supposedly. I have never done a drug test for work and I have never stolen. XXXX says they do n't have info. XXXX trust out of XXXX main main office pulled back ground and has a ton of abnormal inquires n accnts I 've never heard of. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, other mortgages unknown to me, XXXX, XXXX XXXX, XXXX XXXX, tons out of FL, tx, ny, ok, mo, nv, ca, I mean every other state but mine mass. My family and I have been recent victims to identify theft. I need help clearing this from my file I have never ever been in this kind of situation I need help please.
Lowcountry Credit ( Owned XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX I cosigner for my son on a used XXXX XXXX in XX/XX/XXXX. 3 weeks after we had the car it left him stranded radiator system was rigged per XXXX XXXX   mechanics. Two weeks tires started looking air took it to XXXX XXXX, told all four tires were dry rotted. Notified the the XXXX XXXX used car place notified the bank every time. Over 3 months time my son had a car he had missed work, towing fees mechanic fees because this car was sold and it was a dangerous car. Dealership offered to pit 2 new front tires on so they did. Again 2 more dry rotted tires. By XX/XX/XXXX the car was undrivable my son and I made NUMEROIS calls to the dealership and Lowcountry Credit for help getting him a different safer car bc they sold a lemon and they knew it. They absolutely would not budge. We voluntarily turned the car in. XXXX XXXX Lowcountry Credit had to come tow the car bc it was undriveable. Today XXXX I am trying to buy myself a car and I looked at my credit and this bank still had us on as owing XXXX dollars and we were in good standing per XXXX Problem is they never reported the repo so it looks like I owe XXXX dollars. They wrote a letter today stating they didn't repo it until XX/XX/XXXX which is a lie. We never made another payment as of XX/XX/XXXX and turned it in so why would they wait 5 months to " come tow the car : they didn't. Now they want to say it was only sold for {$2400.00} which is also them changing numbers in their co.puter to make it look the way they want so I supposedly owe {$9300.00}. Now they want to report it to the agency. Problem is they are lieing fraudulent numbers and IF it had been reported 2 years ago I would have it off my credit within the next year. This company is an old XXXX SC family owned business that has been defrauding the public for years and then they cover it up at MY expense. Please help. Their a bunch of dishonest crooks. They fix their books and records. 
Thank you
I had an account listed on my credit report as not being paid for a radiology group. I just found out that the bill was paid in XXXX and it should not have been on my credit report as unpaid. The XXXX XXXX called the credit bureau in regards to this account having already been reported as paid and to take the charge off. I believe this has caused me to incur higher interest rates than if it had not been on my credit report. How can I go about changing this to look like it was n't just paid but should have never been on the report to begin with?
I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.
I have noticed some fraudulent credit inquiries on my credit report through agencies like XXXX and XXXX agencies and I never use those ... have tried setting up a XXXX year freeze on my credit and Experian will not allow me to even though I tried enrolling and paying their fee. Please help.
I learned of this debt when checking my credit scores one day. I was unaware of this debt as no Dunning Notice was sent to me. The company has also not verified my request for proof, including my original signature, that the account is in fact mine. When contacted through the XXXX  all they sent me was a letter with an offer of a payoff plan from a third party, their purchase information from the original creditor, and statements from the original creditor. The amount of the debt is {$600.00}. The company bought this debt on XX/XX/XXXX, reported the debt to credit bureaus on XX/XX/XXXX, and the third party sent me the letter with a payoff plan offer on XX/XX/XXXX. I originally disputed this debt on XX/XX/XXXX through a credit repair company - this dispute never received a response, which is enough to remove the debt from my credit report to begin with. I complained about this company to the XXXX on XX/XX/XXXX. The company responded to my complaint on XX/XX/XXXX and declined their response XX/XX/XXXX. I received a second response from the company on XX/XX/XXXX, which I declined on the same date. The company has not provided any proof that an acceptable Dunning Notice was sent prior to reporting to credit bureaus or proof, with original signature, that the account is mine.
On XXXX/XXXX/XXXX I sent a letter Certified mail # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX North American Credit Services for validation of debt and HIPPA authorization. 

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

North American Credit Services have not complied with this request.
XXXX did not bill our insurance as we requested, then turned us over to CMRE collection agency. We paid CMRE because we were in the process of applying for a mortgage loan. Since then, our insurance was billed and they have paid. We have been unable to obtain reimbursement for the {$1200.00} that we paid.
Citibank has refused my timely request to opt out of the company 's new arbitration provision. Citibank lied about the date of my request. Certified Mail tracking proves that it was not only postmarked, but even received, before the postmark deadline. I believe that Citibank is expecting customers not to notice or question the imposition of arbitration. 

By way of background, I have been a Citibank credit card customer for 21 years, have never missed a payment, and have always maintained a high credit score. My account is in good standing and no disputes are pending. 

Facts, in chronological order : XXXX XXXX, 2015 : Citibank announces the proposed arbitration provision and the opt-out process. " You can reject the change to arbitration by writing to us ... Your letter must be postmarked on or before XXXX/XXXX/2015. We will not close your account ... '' Letter attached. 

XXXX XXXX, 2015 : I mail my opt-out request, XXXX XXXX, Certified, postage-paid. Letter and postmarked Certified Mail receipt attached. 

XXXX XXXX, 2015 : Citibank receives my letter, before even the postmark deadline. United States Postal Service tracking results attached. 

XXXX XXXX, 2015 : Citibank refuses my arbitration opt-out request. Citibank falsely claims that " you did n't mail your preference to opt out by the deadline we established. '' Letter attached. 

XXXX XXXX, 2015 : I file the present complaint with the Consumer Financial Protection Bureau and mail copies of the complaint and of the documents mentioned above to Citibank.
I went to Titlemax on XXXX XXXX XXXX in XXXX, GA on XXXX XXXX to apply for a loan with the title to my car. I received a loan for {$2500.00}. In XXXX when I paid my XXXX payment I asked what was the minimum I could pay. I was informed it would be {$300.00}. I had just been hired at a new company and getting settled in to my pay dates. I called again to make a payment on XXXX XXXX and I again asked what would be my minimum payment and was informed it would be {$300.00}. I was also informed by XXXX, who wrote the loan for me on XXXX XXXX, that if I did not pay the entire monthly note of {$360.00} that the amount I was paying would be applied to interest, an additional interest that was not calculated in the original loan agreement. This is a penalty for not paying the full amount. This was not in the written agreement and it was never verbally stated to me ever until XXXX XXXX.
I worked with Wells Fargo Bank for three months in order to get a commercial mortgage loan for a property in my town. On XXXX/XXXX/15 I met with my Wells Fargo Broker and he told me that I was " locked in '' at 4.75 % interest rate. And he did use the words " locked in. '' I was Ok with the rate so I continued my due diligence and forgot about my loan because I was " locked in. '' We closed on XXXX/XXXX/15. At the closing table my Wells Fargo Broker handed me and my wife the closing documents and the rate said 4.86 %. I had a lot of things going on so I had forgotten the " locked in '' rate. I asked if this was the rate we had locked in at. The broker just explained how good of a deal this rate was and that he had just given a loan at 5.1 % so my rate was great. In hindsight, he never answered my question as to weather that was the " locked in '' rate or not. I had XXXX choices : 1 ) walk away from the deal because this did n't seem like the quoted rate, or 2 ) sign and secure the property. My wife and I signed the papers. Next I went home and looked at my notes from XXXX and my suspicions were correct. He increased the percentage rate on the closing day without notifying us, ever. Even at closing he did not notify us that the rate was increased over the " locked in '' rate that he told me in XXXX. 
I understand that sometimes rates change and I can handle that, but when you never tell your customer about the change that seems pretty rotten. I made the assumption that when he said we were " locked in '' that meant that the rate would not change. It is especially rotten when you are at closing and the broker puts it on the table basically saying walk away from the deal or sign my paper at this higher rate. 
I looked through my emails and notes and I could not find XXXX time where he put my " locked in '' rate in writing. It was only in my notes. Next time I will ask for it in writing and take that paper to closing. 
This especially hurts because I felt like I had a great relationship with this broker. We met, talked on the phone, and conversed through email many times over three months. We were on great terms and I trusted him fully. Then he does this to me. Not cool. 
I looked online at the Wells Fargo Vision and Values written by XXXX XXXX the chairman. He talks abut how honesty, trust and integrity are essential in dealing with customers. He also talks about open honest XXXX communication and building long-term relationships with customers. He also relays how the Wells Fargo reputation extends from their character and how their brand is what people say about them. In the end, I experienced none of this in my Wells Fargo experience. XXXX XXXX is correct about how reputations extend because I am telling all my investor friends about my experience there and that I recommend that they stay away from Wells Fargo.
I have retained new copies of my credit reports, and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by  not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX about XXXX. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.
I have sent the attached information to all three credit bureaus and nothing has changed. 

The report states the original charge off was {$5000.00} and High Balance {$1000.00}. 
When actually it was {$10000.00} initial loan.The credit report further shows that no payment was received after XX/XX/XXXX, my attachments clearly disprove that. 

I took out a loan with XXXX XXXX for {$10000.00} on XX/XX/XXXX. I paid it every month at the bank until I went into the bank XX/XX/XXXX and was informed that I didn't have a loan. The teller said it was not in her system, I called Mississippi to the corporate office as I was told. Finally, I was called back and told don't worry about it we will just take your collateral ; I explained I didn't put up any collateral I had good credit. I was referred to XXXX XXXX in Louisiana and he set up a payment plan of {$300.00} a month XX/XX/XXXX which was paid through XX/XX/XXXX until I received a XXXX Cancellation of Debt. The credit reports. reflects no payment was made after XX/XX/XXXX. On XX/XX/XXXX a process server put a citation of service in my Mothers door. XXXX XXXX was suing me for {$3500.00}, I hired an attorney XXXX XXXX, the claim was settled for {$3000.00} ( check copy attached ) Section 2 of settlement documents states it was paid in full. On the credit reports it still reflects incorrect information. I have disputed multiple times and sent copies of my documentation. It is still reflected as an adverse account.
I had a car loan with XXXX XXXX that was paid off in XX/XX/2011. They are still calling me from XXXX. I spoke with a rep and ( supposedly ) a supervisor on 3 different occasions and they said they would remove my number. I had them send me a paid in full statement but they still continue to call me. It has become harassing!!!!
I was very concerned about some accounts on my report that were not right. I wrote a formal letter to Experian hoping to get an explination. I sent this letter on XXXX and have yet to receive a response, they are way past their 30 day limit. My wife also tried to write them letters and they claimed he wasnt real or something. I dont understand what is going on, so I am hoping you all can help me better than they can. Here is the letter I wrote them and my credit report that has the mistakes on it.