WillisBack/dataset-financial-user-claim huggingface dataset:
I had XXXX at XXXX hospital on XXXX/XXXX/15 and received confirmation from my health card provider on XXXX/XXXX/15 that they provided payment in full. Since that time I have been contacted by XXXX, XXXX collection agency and now Paragon collection agency. Each time a new collection agency contact was made I provided the explanation of benefits to the company but Paragon is telling me XXXX XXXX XXXX explanation of benefits was incorrect ; I asked for proof that I owe the debt but they said that was not up to them to provide. This has now been credit reported by Paragon and my credit score has dropped by XXXX points. I submitted a complaint to XXXX and they came back and said Paragon states I owe and they closed my complaint. Again, no proof. What must I do to correct? I have never had any collection debts before and this has already resulted in me getting a letter from XXXX that they are closing XXXX of my credit card accounts. 

Thanks for your help
On XXXX XXXX, 2015 Recieved a call @ XXXX XXXX from ( whom I thought was ) XXXX XXXX ( XXXX ) He briefly stated he was in jail in XXXX XXXX, NV and needed bail. He stated he was in an accident and was hit by a XXXX woman but failed a XXXX test. He stated I would recieve a call from his attorney XXXX XXXX ( XXXX ) from XXXX XXXX in a few minutes. I told him no problem and waited for the call. XXXX XXXX XXXX called me @ XXXX XXXX and explained the jail circumstances and I agreed to post bail for my friend. Bail was sent to XXXX XXXX in XXXX. He explained this was a normal procedure to send funds XXXX and the he needed only the tracking number which I provided after the transaction was complete. One hour later, XXXX XXXX calls and asked for an additional amount to cover an out of court settlement that he negociated with the woman. The woman was planning on suing XXXX XXXX. XXXX XXXX said she would sign a statement to not file suit if a settlement sould be made. I agreed to pay only if the woman signed a statement to agree not to file suit. XXXX XXXX agreed but no statemnt was sent to me. The last I heard of XXXX XXXX. I have since tried to call XXXX XXXX several times but I believe my phone numbers have been blocked. I contacted My friend XXXX XXXX this am only to XXXX it was not him involved in any of this. Hence, the filing of this complaint. Please call or email me to advise. XXXX XXXX XXXX XXXXXXXXXXXX. Thank you
We opened a checking account for my daughter at M & T Bank in XXXX XXXX prior to her going to college in XXXX. On XXXX XXXX, XXXX they charged her XXXX separate insufficient funds fees. She contacted them and told them that she had not made the charges, that her account information must have been compromised as she had been using the debit card for some electronic transactions for school text books. 
M & T Bank concluded that since the card was in her possession she must have made the charges and refused to acknowledge any possibility that her account had been compromised. 
They are now attempting to collect the " debt '' of insufficient funds fees AGAIN. 
1. I can not find any indication that we had signed up for them to overdraft the account in case of insufficient funds - THE CHARGES SHOULD HAVE BEEN DENIED RATHER THAN PASSED THROUGH. 
2. The bank charged NSF fees 4 times in the same day - again, the card should have been declined!!
This complaint involve s Ocwen Bank.  My mother and her partner owned a home in  XXXX  Arizona. My mothers partner died over   XXXX   XXXX   XXXX  . My mom died   XXXX   XXXX   XXXX   I am the successor trustee for my mom. I have since   XXXX    tried  to get Ocwen to change the mailing address and get me information on the mortgage so we can pay them. My mom paid on line so did n't receive mortgage statements. I have provided on numerous occasions all documentation showing both parties died and that I am the successor trustee of my moms trust as well ad death certificates. They refuse to change the address or to give me any information. The home is vacant for 4 months. Ocwen will only accept faxes, no e-mails or other communication allowed. They say after the fax is received, they will contact you within 3 days, but it usually takes about  XXXX  weeks. The folks working for  Ocwen  including managers are like robots and they repeat the same arguments that I am not entitled to any mail nor any information on this loan.
On or about XXXX/XXXX/2015, I telephoned a " Payment Assistance Specialist '' at Wells Fargo. I was told I can not receive any further forbearances and I must pay by XXXX XXXX, 2015. This person was trying to see if my being in " XXXX XXXX '' may help get an in-school deferment, but she thought not. This person offered no information about getting another servicer or modifying the loan. It seems, Wells Fargo wants me to default on the loans! XXXX XXXX University XXXX XXXX XXXX, XXXX, VA XXXX
On XX/XX/2018, I was paid with a Fraudulent check for the amount of {$2900.00}, the individual that issued me the check, asked that I let them know after I deposited, I contacted my bank on XX/XX/2018, and asked them if there was a way this individual could take my bank information by me depositing his check, the customer service banker, asked me if the person was asking for a fee or any type of money, no he did not, was very picky about the cleaning services, I explained to her that the only information the customer has about me is my full name and address, she stated I have nothing to worry about, as long as I did not give him any bank or socials, dob, etc I was fine, so XXXX XXXX I deposited the Check, my funds were available the next business day, I was so excited and began paying my bills, on Monday XX/XX/2018 morning, I check my account and it has been frozen, I contact the bank, and the customer service banker tells me that the Check is not validated, it's fraudulent, I felt so confused, upset, and I asked her what could I do?? The customer representative informed me that I would need to contact the local law officials, but that my account would remain frozen until {$1400.00}, was paid in full. I contacted XXXX County Sheriffs Department and filed a report, the Filing Officer stated the report would take 7 to 10 Business Days, I contacted my bank to give them the Case # and informed them of the wait, the customer service after hours gentleman was very nice, and noted my account. On XXXX I went down to pick up the Police report at XXXX XXXX XXXX XXXX XXXX XXXX, Texas, and the report was still not ready and stated I could email them and they would email me the report. I contacted my bank to give them an update, the customer service banker was very firm and stern, and informed me that my bank account would be closing in a few days and that I would need to get it paid, I went in to the branch to give them an update in person and to find out why I would be closed in a few days, and if I could make some type of arrangements because I need my bank account for a need to pay my bills, but can not afford to pay the lump sum, as she was looking into my account, she seemed standoffish and distant, sitting with her body position towards the doors and hands on her knees, ready to walk me out, i asked her about my account closing in a few days, she stated she did not see anything, as she reluctantly signed back on her computer, she nodded her head and stated there was nothing about my account closing in a few days, and there was nothing more she could do as she began to rise from her chair, I have always been treated well at the branch and on the phone with Customer Service, but this day I got the cold stern, no payment arrangment final. I feel, like the bank is treating me like fault party.
I have received information back from the company stating the laws and why the inquires on my report are factual, However the company is not reading and understanding what I am saying as I have stated the inquires on my report are fraudulent as I was in the department of corrections when they were made, and you are not allowed to apply for credit when you are in prison. I have gone to the companies to dispute these errors and have spend hundreds of dollars sending certified mail only to get a response that the credit bureaus responsibility to remove FRAUD. Therefore I am again requesting that the credit bureau needs to do this job properly and read the complaint I am submitting. I am aware of the laws but I am also sure you are aware that you can not go shopping when you are in prison.
last week recieved information the transunion has deleted incorrect information on my credit files from CFPB case number XXXX response from complaint, Relief We received your complaint about the XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. This item identified in your complaint has been deleted. it was not deleted from all files
Company Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Report No : XXXX Unique Transaction ID : XXXX Report Created : XX/XX/XXXX I have received my latest credit report ( attached ) from the above company and I found my account information incorrect. My XXXX Personal Loan Account No. XXXX is closed in XX/XX/XXXX. The closure letter is also attached. But till date in my credit report the same account is showing open with an outstanding amount. That is effecting my credit score. I have already reported the same to Experian and received a Reference No. XXXX on XX/XX/XXXX. But not yet received any resolution to the same. 
Also for the other accounts listed in credit report, the current balance part is not updated. 
The whole thing shows a wrong picture about me to the banks and is not good for my financial aspect.
XXXX/Experion Credit Reporting Agencies Credit Report Dated XX/XX/XXXX Upon receipt of credit report dated XX/XX/XXXX, I noticed I have a " Derogatory public record or collection record '' contributing to my FICO score and I would like the detail of the this record. I have no knowledge of this problem and I would like to go back to originator of the comment and determine if an error has been made. In the event that remark is accurate, I would like to resolve amicably. <P/>I have calledXX/XX/XXXX and Experion on a multitude of occasions and have yet to speak to a human being or get any detail related to derogatory mark. <P/>I have attempted to use XX/XX/XXXX Online Dispute page ... .only to find the website complaint page unresponsive ... ie. after entering my data, I select submit and nothing happens. <P/>I am quite frustrated. Thank you for your assistance.
ON XXXX I HAVE RECEIVED A SPECIAL INVITATION BY MAIL FROM DISCOVER TO APPLY FOR A PERSONAL LOAN. ID # XXXX OFFER EXPIRES ON XXXX XXXX. SO, BEFORE I APPLIED FOR THE LOAN ON XXXX XXXX. I HAD CHECKED MY SCORE AND USED THEIR CALCULATOR THEY PROVIDED TO SEE WHAT THE APR WOULD BE. 13.99 %. OK, SO I CALLED AND ASKED A FEW QUESTIONS. XXXX DO YOU PRESCREEN THE SUBJECT BEFORE THE INVITATION. ANSWER : YES. XXXX WILL YOU INVITE IF CRITERIA IS NOT MET. ANSWER : NO. SO ONCE I GOT MY ANSWERS. I APPLIED. AND THEY DENIED ME. NOW I HAVE UNWANTED INQUIRY ON MY REPORT WHICH KNOCKED MY SCORE BY XXXX POINTS. AND FOR WHAT? I HAVE BEEN WORKING EXTREMELY HARD ON FIXING MY CREDIT SO I CAN HELP SECURE A FUTURE FOR MY FAMILY. I GOT MY FIRST BREAK FROM XXXX XXXX XXXX WITH A {$300.00} CREDIT CARD, IN LESS THAN 18 MONTHS I HAVE OVER XXXX WITH XXXX XXXX. I HAVE APPLIED FOR OTHER CREDIT CARDS SINCE. AND NEVER DENIED WITH ANY XXXX. NOW I HAVE OVER XXXX WORTH CREDIT CARDS AND XXXX CAR LOAN, THAT 'S HOW HARD I WORKED TO GET HERE, TO BE STABBED BY DISCOVER WHO I HAVE A XXXX CREDIT CARD FROM THEM WHERE I MADE OVER XXXX PAYMENTS THE 16 MONTHS TIME AS A CUSTOMER AND UNDER 25 % UTILIZATION. I AM OUTRAGED WITH THEIR TACTIC TO XXXX MY CREDIT. JUST BECAUSE THEY CAN.
The continuously call me at work, which connects you to an IVR that states, " I 'm calling in regards to an issue very recently filed within our office involving your name and social security number ''. Either hit " XXXX '' or call XXXX to speak to a representative. I hit " XXXX '' and a rep came stating he was an attorney and needs to verify my name and social security number. I refuse and ask what it 's all about. The gentleman at the other ends becomes belligerent and threatens to sue if I do n't clear up the matter at hand. Yet he does n't state what it 's about unless I give my name and ss #. The caller ID shows either XXXX or XXXX, which is a spoofed phone number. XXXX the XXXX number shows it 's a collection agency.
XX/XX/XXXX - requested & reviewed XXXX credit report utilizing XXXX XXXX XXXX XXXX On review, disputed entry regarding credit card account issued by Comenity Bank XXXX. I have never heard of, had phone conversation or other correspondence with this bank. 

XX/XX/XXXX - message from XXXX with link to review results which shows the bank has verified the account is active - dispute rejected. 

XXXX - received welcome letter & credit card from Comenity Bank for an account to be used at 'XXXX ' store. Again, I have no knowledge of, have never purchased from, or any other interaction with Comenity Bank, or XXXX. ( Please note this card was received more than 3 months after the credit report shows that it was opened ) XXXX - went on Comenity Website to request account be closed, and all reference to the account to be removed from my credit report. To date, there has been no reply from Comenity Bank. 

To date, and to my knowledge, there has been no financial transactions, or liability. This appears to be a scam marketing campaign. I have not held a store credit card since I closed a XXXX card more than 25 years ago. I hold a combination of more than 5 XXXX, XXXX, and XXXX cards each with a minimum limit of {$15000.00}. Why would I want a card for XXXX with a limit of {$750.00}? 

I want the reference to be removed from my credit report. The bank & XXXX should be given a strong warning, and or financial penalty regarding this type of marketing.
I mailed the company a formal letter of dispute on XXXX/XXXX/2015 and requested verification of debt. I called today to advised them it 's been past 30 days and I still have not gotten any documents. I was told by XXXX XXXX that my dispute letter was received and she said she mailed the documents to an old address I then asked why was it not mailed to the address listed on the envelope and the dispute letter and she had no reason why.
I RECEIVED A LETTER DATEDXX/XX/2018 FROM I.C. SYSTEM A COLLECTION AGENCY. THE LETTER HAS ANOTHER NAME LISTED ON THE LETTER WHICH IS XXXX XXXX. 
THE LETTER HAS MY ADDRESS AND CITY AND STATE AND ZIP CODE ON THE LETTER BUT NOT MY NAME. MY NAME IS ( XXXX XXXX ) THE ORIGINAL DEBTOR IS XXXX XXXX XXXX I HAVE DISPUTED WITH MY CREDIT CARD ( XXXX ) and ( XXXX XXXX ) I HAVE RECEIVED A CONDITIONAL CREDIT WITH BOTH CREDIT CARD COMPANIES.
We have been trying to get our home out of foreclosure, and it feels as though every step we take to accomplish this, the company forces us two steps back. We begin by discussing with our company, Nationstar Morgtage, that we would be going through a financial situation, making it difficult to make the full payment each month. We asked to make half, and were told that the best way to handle a situation like ours was to let it default. We did that, and also began the hardship process with the company. I sent information in, and consistently was asked for more information pertaining to our account. I understand the need for the company to be well informed on our situation, but in five months time, the hardship still was not processed, and they asked for more information, some of which was already provided. At this point, we were five months behind on our payments. We then decided to borrow money, just to get it out of foreclosure. I spoke with a representative in XX/XX/XXXX, and was told to pay a certain amount by XX/XX/XXXX. I mailed the payment on XX/XX/XXXX, and called on XX/XX/XXXX to confirm that they had received it. I was told that due to my payment being received two days late ( XX/XX/XXXX ), even though it was postmarked for XX/XX/XXXX, that I would have to pay an additional XXXX in attorney fees, just to get it back out of foreclosure. It feels as though Nationstar has done its best to do everything they can to make us lose our home. Prior to this financial hardship, we have never been late on a payment. We fully plan on refinancing after we can clear our account, and never plan to work with Nationstar again.
Bank of America employee - XXXX " XXXX '' XXXX denied submitted hardships on request for loan modification. These documented significant current hardships were ignored per XXXX XXXX. He would not even look on the BofA portal where these hardships are date stamped. He stated according to BofA I had no hardship which is extremely confusing since these documented detailed multiple hardships were uploaded to the bank 's portal. XXXX XXXX repeatedly denied the existence of any hardships and stated repeatedly that no modification would be approved. Thess hardships were caused by seeking a modification for BofA. BofA sent confidential letters to the property where tenants mistakenly believed that this property would be foreclosed. BofA inspectors stopped by the propery also distribing tenants and implied foreclosure, tenants also asked and were granted early termination of their lease due to these false threats. This caused a significant income reduction for me and I asked for a loan modification with BofA due to a increased expense my XXXX loan was reset. There is massive confusion with BofA XXXX day my loan is denied and I am not allowed to appeal even though the underwriters missed the hardships. The NPV were missed calculated and note provided to me. BofA states I have no need for a modification however I have proven, detailed over and over date stamped by BofA I have several hardships. I have XXXX different areas of BofA calling me all of them state I am denied.
Please remove the following inquiries from my Transunion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Roundpoint Mortgage intentionally misapplied an additional principal payment as a regular payment for the next month. They charged advance interest in doing so. This misapplication is apparently an intentional error whenever an excess payment amount is at least enough to cover the next month 's payment. This is based on conversation with their representative and also a supervisor. The misapplication of additional principal leads to consumers paying interest in advance that is not due on incorrect principal balances. Obviously, this is a potential profit center for any mortgage service and especially one the size of Roundpoint Mortgage. The company has said they will rectify the error and note my account. When asked if this is how they process all accounts, the supervisor said she does not know and would bring it up to the " Cash Team ''. This is something that deserves a look by the enforcement authorities at  CFPB. From my conversation with Roundpoint, I would highly doubt mine is an isolated error. Date of payment XX/XX/18. Date of call XX/XX/18. Amount of payment Due {$730.00}. Amount of payment made {$1700.00}. amount of advance interest charged {$310.00}. Amount of principal not applied to balance {$1000.00}.
Hi, I opened Citi Gold checking account thru internet. At that time, XXXX bonus points of XXXX was offered with certain requirement. At the time of opening the account XXXX XXXX, I confirmed with an officer of Citi. I fulfilled the requirement in early XXXX XXXX and confirmed with an officer of Citi. Since I had not received the promised bonus points, I have contacted with Citi officer in XXXX twice saying the points would be posted by XXXX. Today, XXXX XXXX, XXXX, I have n't received. I have contacted the Citi and XXXX told me I 'm not eligible since I do n't have any letter saying I 'm eligible to receive the bonus points. My previous confirmation ( more than 3 times ) is noting. It was internet offer to general public. How can I show the letter. Why should I show even I have confirmation from the citi officers ( 3 times with evidence actually 4 times ). I believe Citi must stop deceiving general public with fake promotion. Please make Citi stop deceiving general public. 

Attached plz find the confirmation with Citi Officers. 
Thanks
I have discovered the Assignment of Mortgage on my loan was robo-signed by robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. The Assignment of Mortgage executed and recorded/filed on XXXX XXXX, 2011 on my loan was robo-signed by known robo-signer XXXX XXXX. XXXX XXXX was not an employee XXXX XXXX XXXX XXXX XXXX XXXX at the date of the signing and XXXX Bank, XXXX did not exist on XXXX XXXX, 2011.
I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and XXXX , XXXX has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine.
I was given a XXXX XXXX on a child that ended up not being my child. I was placed on child support and it was put on my report. After it was determined the child was not my child, it has not been removed.
I have exhausted myself at all levels trying to get an inaccurate collections off my credit that is causing me denials for loans. To start, I have only 2 open student loans with, XXXX XXXX. However, I have to complaints that needs to be addressed ; First, EdFinancial which does not have possession of my loan is still being reported in a derogatory manner and the same loan is now with XXXX too. Creditors are seeing a total of 4 loans when there is only 2 because they have different account numbers. 
I request that EdFinancial remove the negative information thats being reported because again my loans are with XXXX and in good standings and not due until XXXX 2018. 

Second issue is that XXXX XXXX have a status on my report that says, Student loan assigned to government which my lenders views as a negative situation where as Im in financial trouble with the government and this is so misleading. I want that comment removed and my account showing current as it should.
XXXX-target continues to verify their account on my XXXX credit report even though I have reported to them through all XXXX credit reporting agencies, that fraud existed on their account. I have included XXXX police reports with my identity theft disputes. XXXX police report is from XX/XX/XXXX when I noticed that identity theft had occurred, while I was out of the country. The XXXX report was filed XX/XX/XXXX to continue to investigate identity theft, as my license had been used in traffic violations. 

Target reported in XX/XX/XXXX, through CFPB that my account was at a XXXX balance until XX/XX/XXXX, at which time, fraudulent activity was made on my account. 

The account must be removed from my XXXX credit report. My target account was withdrawn from my XXXX report, & blocked from my XXXX report.
My home was wrongfully foreclosed XX/XX/XXXX while my modification was still being processed with Ocwen Servicing. Ocwen Servicing agreed to rescind the property foreclosure sale and modify my mortgage loan to lower my payment. My mortgage has been modified, but Ocwen is reporting on my credit report Foreclosure redeemed. That is incorrect information that has reported to the credit bureau 's. I would appreciate your assistance in this urgent matter. This information on my credit report has hindered my employment opportunities.