WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX while receiving treatment for an one the job injury by XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, Texas XXXX, I was placed in a splint supplied by the clinic. Some time after that I received a bill from XXXX XXXX, XXXX XXXX XXXX XXXX Ohio XXXX for the sum of {$60.00}. I spoke to the office manager, XXXX, at XXXX, and she contacted the billing department at XXXX XXXX and informed them this was a Workers Compensation Claim and not to bill me. The last time she spoke to them wasXX/XX/XXXX at XXXX. She told me at that time that is was all taken care of and I would not be billed as this was all taken care of by my employers Workers Compensation Insurance. I received a letter fromXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX Texas, demanding payment of {$31.00} on behalf of XXXX XXXX. No explanation is given for the claim but I had no other business with XXXX XXXX. Since they have been warned on several occasions that this is a Workers Compensation Claim I am inclined to suspect that XXXX XXXX and XXXX XXXX are attempting to commit fraud by coercing double payment on the debt.
There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX
XXXX XXXX XXXX, received debt consolidation loan at XXXX % to payoff high interest loans. One of those high interest loans was to Navy Federal Credit Union ( NFCU ). I had XXXX write NFCU a check for {$32000.00}. On about XXXX XXXX XXXX, I noticed an unusually large amount still in my account. It appeared NFCU has not cashed their check for {$32000.00}. I called NFCU to see what the issue was. The rep stated NFCU returned the check because of an endorsement issue but they have fixed the issue and will apply the check towards the balance. The rep stated I would be getting a letter stating the check was returned but ignore it because they fixed the issue. I checked the next day and just like NFCU stated, check # XXXX for {$32000.00} to NFCU was cashed then returned. I checked NFCU website to confirm it was applied towards the payoff balance -- it was. I did the checks for the mid-month income XXXX XXXX XXXX because the next week I would be in XXXX done. I wrote the final check for {$97.00} to NFCU. Came home celebrated the holidays. Saw a large amount in my account when I was doing end-of-month checks. XXXX XXXX XXXX, I called XXXX and told them about the letter I received from NFCU. The XXXX rep stated NFCU still has the check. I checked NFCU website -- It stated the loan was paid off in full. That meant that XXXX must have credited my account instead of debiting my account or they have not posted it yet or whatever. I transferred a large amount to the saving account because they are connected. So XXXX can claim the money anytime they wanted. On XXXX XXXX XXXX, I received confirmation the loan at NFCU was paid off. Presently, forgot about the whole situation, that is why I take a lot of notes. So when XXXX take the money or call me about it, I know why. On XXXX XXXX XXXX, I tried to withdrawn {$100.00} from my NFCU account. I could not. I assumed it was because of the reported fraud. I went home to pick up brochures for a campaign and out of the blue NFCU calls me talking very fast. Basically telling me I owe them some money for some reason, and asking how do I want to pay. On XXXX XXXX XXXX, I called NFCU to get the particulars. The phone kept transferring me so I waited for the NFCU to call me back at XXXX as the rep stated because she did not have all the information, it was just dropped on her desk. I did not like that NFCU 's first inclination was to take all my money when it was so easy to see that I pay my bills on time. I have not been late on a payment to any organization for at least the last 12 years and have very good credit.
I had Direct student loans and had them transfered Navient .Before it was transferred my federal income tax was garnished to pay towards the debt and I never saw anything showing that the money was paid towards my account. No statements did n't show on my credit report either.And It was over {$2000.00} which was taken.
On XXXX XXXX, XXXX received a call and voicemail from XXXX regarding an urgent matter that has escalated to her desk. XXXX requested a call from either myself or my attorney. At no time, did XXXX state the reason for the call. Upon returning the call on XXXX/XXXX/XXXX, another representative informed that the call was regarding a credit card. Although, she was not certain why XXXX was calling as the account is current and there is no balance due. 

The issues I have with the customer service practices are the following : 1. the person never identified the company she was calling about 2. the person left a very misleading and vague voicemail 3. the person never left the intent of the voicemail ... is it a lawsuit, debt collection, or something unrelated to financials. Just a urgent matter I also spoke with a member of leadership, XXXX, during that conversion I was informed that her company changes scripts frequently to accommodate the frequent law changes. XXXX proceeded to inform me that it is not needed for her company to identify themselves when attempting to collect a debt. Upon question this statement, XXXX then stated it is suggested that a representative state who they are calling on behalf of but not required by law
NCC Business Services has failed to validate or send proof of contracts that I have with them. I have never entered in or had a contract with NCC Business Services. I do not owe no debt to this company. They are a collection. I never had a contract with NCC Business services for the said debt of {$1200.00}. If NCC Business Services does not send a copy of this contract within 30 days the only resolutio I will accept is delete the said debt from all credit reporting agencies. As it is a fraudulent account.
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I have paid this debt to the original creditors in full. I never had a contract with NCC Business Services. I included a receipt to show I have paid this debt to the original creditors on  XXXX / XXXX /2016 in the amount of {$1200.00}.
I have contacted Equifax since XX/XX/2017 to inform that multiple inquiries were showing on my credit that I am not aware of. I sent another certified letter explaining that the inquiries came back verified, so please submit proof of how this was verified. As of today 's date no inquiries have been removed from my report that I disputed.
I was declared fully and permanently XXXX by a sitting Federal Court Judge in 2004. My income derived from SSXXXX. My income is below poverty level and a wage garnishment by Nel-Net, the XXXX current loan shark, has taken my income even farther below poverty level and it seems the dept of edu has their own standard of determining who is XXXX and who is not since they can disregard the decision of a Federal Court Judge and the panel of experts sitting with him. They conferred with each other, before the jusde handed down his decision. 
In my XXXX semester at the university, I began to enter a XXXX ( XXXX ) and informed my instructors I needed to withdraw from their classes. I was enrolled in XXXX classes. I attempted to contact my student adviser through calling and e-mails, but she never responded to advise me in any way. I was between my XXXX to 4th week at the time. The university showed me as having dropped out and charged me for the entire semester. This was in XXXX. Now my below poverty XXXX income is being garnished, for XXXX, by a loan shark company who continues to add on penalties while they collect on the loan. I have tried for 2 1/2 years now to get this loan deferred with no success.
I had an AmEx Gift card for {$100.00}. I did not make any purchases using this gift card but when i tried to use it there was no balance in the card. I checked online on the AmEx site and it shows 4 transactions made in XXXX XXXX. I have never been to XXXX XXXX so seems like there were fraudulent purchases and I lost al the {$100.00} gift card balance. So far AmEx has been very unhelpful.
I AM IN THE XXXX. XXXX  XXXX  me. I can not get a Mortgage to buy a condo. 

These the the copies from Equifax credit report : Credit Report Alerts Equifax Credit Report SSN Scanning ID Theft Insurance ALERT TYPE COMPANY BUREAU DATE Updated tradeline XXXX Equifax XX/XX/XXXX Updated tradeline XXXX   Equifax XX/XX/XXXX Updated tradeline XXXX  Equifax XX/XX/XXXX Updated tradeline XXXX  Equifax XX/XX/XXXX I paid my dues, I have no accounts with XXXX XXXX XXXX Credit Card , I called 6 weeks ago asking them to STOP the reporting since my account is closed and I do not do business with them. They XXXX me again and agagin. 

I applied for a mortgage and got Denied because XXXX from XXXX would not stop sending report to Equifax. 

My credit has been damaged and my mortage denied due to XXXX ( from XX/XX/XXXX- XX/XX/XXXX ).
Multiple calls it in one day, I 've told them to call me after XXXX because of work. XXXX will not work with me on making payments and have the debt removed from my credit report. XXXXsaid she only will have n't debt removed if I pay in full which I ca n't pay in full I would be more than happy to make payments only if they will remove my debt from my credit report once paid in full.
I have been paying my loan for almost 20 years and still paying basically interest only. My accrued capitalized interest has risen to {$30000.00}, resulting in me paying 75 % of interest on every $ XXXX monthly payment. At this rate I will never pay this off. I still owe ( from 1996 ) {$90000.00} and only borrowed {$58000.00}. My rate is higher than anything else I own at 6.25 %. I have an XXXX credit score, so have nothing over 3 % and ca n't refinance or pay my loan off. My main question is how can I eliminate the capitalized interest charged and reduce my rate? This fact is not allowing me to make principle payments to reduce my debt. I had a hardship after my divorce for two years, but I still should n't have to suffer. Please advise this ca n't be legal and there has to be limits to term and interest counted for. 

I stress - I just want to pay what I borrowed so I can get my life back. Right now XXXX % of what I pay is going to interest. I ca n't even deduct the interest on my taxes. Please help me find a solution! 

Thanks
I was not aware of debt until I checked my credit report and saw XXXX notices from BYL Collections on my XXXX report. I then filed a complaint with Consumer Protection and the XXXX After much back and forth with BYL through the XXXX, it was discovered that BYL had sent notices to an incorrect address and never sent me any notice of any debt and therefore made no attempt to ( 1 ) collect a debt and ( 2 ) no due diligence to ascertain my correct address prior to contacting XXXX BYL therefore stated that they would remove the information from my credit report. However, I have disputed the information with XXXX and each time BYL verifies the debt to them and denies removal of the debt. I have a statement, in writing, through the XXXX of greater Washington from BYL stating that the derogatory marks would be removed once payment was received. Payment was sent by the company making payment on the account at the end of XXXX. BYL needs to find out if payment was made to the original creditor. So, besides the fact that they never gave me notice of any debt that was owed ( neither did the original creditor ), they also have reneged on their agreement to remove the information from my credit report.
This case has reference to earlier case/complaint agains XXXX XXXX XXXX XXXX XXXX XXXX per # XXXX. Now apparently, XXXX has transferred case to another collection company " XXXX XXXX XXXX XXXX XXXX XXXX. Although XXXX XXXX has termed the case as 'in dispute ' but XXXX by transferring the case to another collection company forces me to undergo avoidable harassment and inconvenience. Thanks a lot for stepping in to help as always. XXXX XXXX
Experian is reporting incorrect personal information. 

Inaccurate names : XXXX XXXX XXXX XXXX ( there is no space in my name, please delete ) XXXX ( there is no space in my name, please delete ) XXXX ( name spelled wrong, please delete ) XXXX XXXX ( last name incomplete, please delete ) XXXX XXXX XXXX ( last name incomplete, please delete ) XXXX XXXX XXXX ( last name incomplete and there is no space, please delete ) XXXX ( last name incomplete, please delete ) XXXX ( name incomplete, please delete ) XXXX ( there is no space in my name, please delete ) Inaccurate Addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
This collection company call a lot of time, and in 2 ocasion i tell them, this amount is incorrect, but they said i have to pay, this = is what i old, i said not i old like XXXX why i have to pay {$440.00}, i want to dispute this, they said i can't this dispute this amount, that the only think i have to do is pay the XXXX i say no,,, i want to dispute this amount, and they reduce with a very bad behavior and rude. THe have now report this to all credit berue even without letting me dispute this, of give me the opportunity to dispute this amount. 

Also this deb company call for a lot diferente phone number, and use tactic like, can you put XXXX on phone, if i said is not here, the said this i a debt collection calling for XXXX on deb she have from XXXX, even if they don't know who pick the phone, my husband take the phone few time and they give information without permission, also the call saturday and sundays, and call a lot of time so when my husband pick the phone they hangoff..like XXXX to a woman to pick the phone guessing it is me.
Allied Interstae has received my debt from XXXX ; however my debt has been formally disputed to XXXX prior to being sent to collections and XXXX did not validate the debt based on Fair Debt Collection Practices ActAllied Interstate is in violation of Fair Debt Collection Practices Act by communicating with me and further attempting to collect on a disputed debt in which has not been validated
We had a Bank of America for 15 years which we used for big purchases and would pay off at the end of the month. On XX/XX/XXXX we were mailed a letter stating that are account was closed. We left on an out of state vacation on XX/XX/XXXX and did not receive the letter. Called Bank of America while we were in Alaska trying to find out find our card was not working and we were told that the account was closed. The service person that we talked to could not tell us why the account had been closed and offered no other help. When asked if the account could be reopened he said that he would have to transfer the call at which time the call ended. We did not carry a balance on the card and were very rarely late on a payment over 15 years. I can not see a reason to cancel the card and then have a rude service person speak down to us while trying to figure out what was going on while we were on vacation.
On XXXX/XXXX/XXXX XXXX XXXX reports invalid fraud lent information stating a address I did n't live within I also have proof to prove my report and also they reported I owe something to them but I do n't owe anything because I left due to domestic reasons and it was on the news. The original report was made back in XXXX/XXXX/XXXX but I am no longer even in that place and still putting unverified information on my report this information is not correct and not valid. Date of my last activity was not XXXX,
I have been trying to modify my loan with Wells Fargo for the past several years. All I get is the run around and their mischievous tricks that they use on everybody. When, " Keep Your Home California '' sent them the last mortgage payment they returned it, saying, no thank you. Then they started going after me for, " falling behind '' on my mortgage payments. When I applied for a different program from, Keep Your Home California, they pretty much torpedoed it, with these same tactics, forcing me into bankruptcy.
Got a loan at XXXX. Signed up for intellipayment to take payments out every 2 weeks. The loan was with TD bank. XXXX sends them payment every 2 weeks with automatic deduction. Since the day we got the jeep every 2 weeks payments were taken. XXXX sent XXXX payment later than TD banks payment date. XXXX only sends payments on Fridays and this was not the correct day. TD bank should be aware of this since the are signed up to participate in the program. TD bank has called, and sent letters and are harassing me every day about late payment threatening to ruin my credit. We signed up for auto deductions so we do not have to deal with this. I can prove every payment has been taken from our bank account and TD bank refuses to acknowledge this. I am tired of calling dealer, TD bank and XXXX and they all blame each other. At this point if TD does not fix this error, I am going to get a new loan, and not use them or XXXX again. We have had another vehicle on the same program for over 3 years before trading in without any problems and also a truck with no issues. TD bank refuses to fix this error and I need help. They are trying to get another payment which we do not owe and say every payment is late when it is not. I have the payment schedule from XXXX and also can show every 2 weeks payments were taken out. I will never use TD bank again and at this point if they ruin my credit- I will be suing them. I XXXX XXXX took out the loan for my granddaughter XXXX XXXX and the payments come out of her bank account. She is on the XXXX account.
XXXX, XXXX, AND EXPERIAN ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
I had multiple federal and private student loans during my time in college. During my personal bankruptcy case after college, I found that after my discharge was granted that, while most of my student loans were moved into the automatic stay, XXXX was not. I was the only signer on this loan and never intended or tried to have my student loans discharged during my bankruptcy case. All of my other loans resumed as normal after my case was discharged after some time, all except XXXX from my KeyBank loan. Unknowingly, they had moved my student loan into default and discharged it during the course of my bankruptcy, all without any of my knowledge or contact from them ( due to the rules of bankruptcy ). My complaint here is that it has been negatively impacting my ability to obtain better credit since it shows as an outstanding collections balance. Now, I pay far more monthly to their collections arm than I would have if the loan would have resumed normally, like every other loan I hold. I feel this was unfair treatment during a bankruptcy, unfair reporting of my credit situation, and an unfair balance to pay off as a lump-sum. I have no means of recourse here since this item was nestled tightly into my promissory note and seems at odds with the inability to discharge a student loan without proving undue hardship, which I never pursued during my case. I do not have any requests beyond repairing my credit standing and paying a fair monthly charge, something of which I was never given the option. My lawyer claimed she had nothing to do with this portion of the bankruptcy and washed her hands of me and my case. What are my options now other than sit back and take it on the chin? I have attached a copy of my credit report from last year and my most recent statement from them with the monthly payment amount I currently pay.
XXXX XXXX IS THE ORIGINAL OWNER OF THE REPORTED ACCOUNT. THE ACCOUNT WAS SECURED WITH THE TITLE OF MY XXXX XXXX XXXX XXXX. MY VAN WAS TAKEN AND MY TITLE NEVER RETURNED TO ME. XXXX OBVIOUSLY SOLD THE ACCOUNT AS A COLLECTION ACCOUNT NEVER DISCLOSING THE FULL DETAILS OF THIS ACCOUNT TO XXXX XXXX.
On XX/XX/XXXX I was admitted and discharged from XXXX XXXX, XXXX, Georgia. A few months after this I received a bill from XXXX XXXX for the amount of {$700.00}, which represents the amount of my care that was not covered by my health insurance provider. I contacted XXXX XXXX 's department of XXXX XXXX XXXX to establish a payment plan and verbally committed to a payment plan of {$55.00} per month until this matter was resolved. On XX/XX/XXXX I received a Payment Plan Installment Letter from XXXX XXXX XXXX XXXX XXXX listing the terms of my payment plan, reflecting the terms that were agreed upon over the phone, 13 payments of {$55.00} to resolve the balance of {$700.00}. This letter was signed by XXXX XXXX, a representative of XXXX XXXX XXXX XXXX XXXX. 

Since receiving this letter, I have made all payments required of me pursuant to the above referenced agreement. I have had my bank send checks to the address listed in the Payment Plan Installment Letter in the amount of {$55.00} and have not missed a single monthly payment. During this time period, XXXX XXXX XXXX XXXX XXXX has referred my account to a collection agency twice, resulting in severe deterioration of my personal credit score. XXXX XXXX XXXX has contacted me through mail multiple times requesting full payment of this account, despite my existing agreement with XXXX XXXX XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to explain I had an existing agreement with XXXX XXXX and they informed me that I would have to address this matter with XXXX XXXX XXXX XXXX XXXX. I spoke with them about this the first time my account was referred to collections and referenced my Payment Installment Letter. was assured by the manager of the department that the collections account reference would be withdrawn, that my original payment plan would be honored, and my account would not be referred to collections again. This month, I received notification that my account was referred to XXXX XXXX XXXX again and my credit score subsequently was negatively impacted by this. I called XXXX XXXX on XXXX XXXX, 2017 to address this and was told that they were unsure why my account had been referred to collections again and this would be reversed. While I am relieved that they agree my account should not be referred to collections, it is still cumbersome to continue having to address this issue after being told multiple times that it would not happen again and it is detrimental to me as a consumer to have derogatory remarks reflected in my credit score. 

Pursuant to the Fair Credit Reporting Act and Dodd-Frank Wall Street Reform and Consumer Protection Act, I believe that it is unethical and unfair for XXXX XXXX XXXX XXXX XXXX to continue to refer my account to collections agencies, resulting in negative marks on my credit profile and deterioration of my credit score. I have made all payments required of me through the XX/XX/XXXX Payment Installment Letter.
I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the origin entity that is reporting this negative.